@plumbus/payments-stripe 0.2.0

package/dist/charges.js

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+// ── Charges on Stripe ──
+// Where money moves (ChargeRouting → Stripe parameters), payment pages
+// (Checkout Sessions), invoices, saved payment methods charged off-session,
+// holds, and finding the charge a PaymentIntent belongs to.
+//
+// Flows:
+//  • direct       — on the seller's account (Stripe-Account header), with an application fee
+//  • destination  — on the platform, `transfer_data.destination` = the seller, with an
+//                   application fee; `on_behalf_of` makes the seller the merchant of record
+//  • platform     — on the platform, no seller; `transfer_group` ties later transfers
+import { ErrorCode, PlumbusError } from '@plumbus/core';
+import Stripe from 'stripe';
+import { idOf, mapIntent, mapInvoiceCharge, mapSession, } from './mapping.js';
+// Checkout accepts expires_at 30 minutes to 24 hours after Stripe creates the
+// session; keep a minute inside both ends for request time and clock skew.
+const CHECKOUT_MIN_SECONDS = 31 * 60;
+const CHECKOUT_MAX_SECONDS = 24 * 3600 - 60;
+export const PRODUCT_NAME_MAX = 250;
+/** Marks PaymentIntents that are charges themselves (a saved method charged off-session). */
+export const COLLECTION_METADATA_KEY = 'plumbus_collection';
+export const SESSION_EXPAND = [
+    'payment_intent.latest_charge',
+    'payment_intent.payment_method',
+];
+/** Cut to `max` UTF-16 units without splitting a surrogate pair (Stripe rejects half emoji). */
+export function clip(text, max) {
+    const cut = text.slice(0, max);
+    return /[\uD800-\uDBFF]$/.test(cut) ? cut.slice(0, -1) : cut;
+}
+export function checkoutExpiry(requested) {
+    const now = Math.floor(Date.now() / 1000);
+    const wanted = Math.floor(requested.getTime() / 1000);
+    return Math.min(Math.max(wanted, now + CHECKOUT_MIN_SECONDS), now + CHECKOUT_MAX_SECONDS);
+}
+/** Request options for an object on a seller's account, or on the platform (null). */
+export function onAccount(accountId) {
+    return accountId ? { stripeAccount: accountId } : {};
+}
+/** The account a charge's objects live on: the seller's for direct charges, else the platform. */
+export function chargeAccount(routing) {
+    return routing.flow === 'direct' ? routing.sellerAccountId : null;
+}
+function requireSeller(routing) {
+    if (!routing.sellerAccountId) {
+        throw new PlumbusError(ErrorCode.Validation, `A ${routing.flow} charge needs a seller account`, {
+            reason: 'stripe_seller_account_missing',
+        });
+    }
+    return routing.sellerAccountId;
+}
+/** Fee and payee fields shared by PaymentIntents, Checkout's payment_intent_data, and invoices. */
+export function moneyRouting(routing, platformFeeAmount) {
+    const fee = platformFeeAmount > 0 ? { application_fee_amount: platformFeeAmount } : {};
+    if (routing.flow === 'direct')
+        return fee;
+    if (routing.flow === 'destination') {
+        const seller = requireSeller(routing);
+        return {
+            ...fee,
+            transfer_data: { destination: seller },
+            ...(routing.onBehalfOf ? { on_behalf_of: seller } : {}),
+        };
+    }
+    return routing.transferGroup ? { transfer_group: routing.transferGroup } : {};
+}
+/** Checkout page options, for payment and subscription pages. */
+export function checkoutOptionParams(options, mode, hasCustomer) {
+    return {
+        ...(options.allowPromotionCodes ? { allow_promotion_codes: true } : {}),
+        ...(options.automaticTax
+            ? {
+                automatic_tax: { enabled: true },
+                // Tax needs an address; take the one entered on the page for known customers.
+                ...(hasCustomer ? { customer_update: { address: 'auto' } } : {}),
+            }
+            : {}),
+        ...(options.billingAddress ? { billing_address_collection: options.billingAddress } : {}),
+        ...(options.phone ? { phone_number_collection: { enabled: true } } : {}),
+        ...(options.shippingCountries?.length
+            ? {
+                shipping_address_collection: {
+                    allowed_countries: options.shippingCountries,
+                },
+            }
+            : {}),
+        ...(options.locale
+            ? { locale: options.locale }
+            : {}),
+        ...(mode === 'payment' && options.submitType ? { submit_type: options.submitType } : {}),
+    };
+}
+export function lineItemsFor(currency, items) {
+    return items.map((item) => ({
+        quantity: item.quantity,
+        price_data: {
+            currency,
+            unit_amount: item.unitAmount,
+            product_data: {
+                name: clip(item.name, PRODUCT_NAME_MAX),
+                ...(item.description ? { description: item.description } : {}),
+            },
+        },
+    }));
+}
+/** A price whose amount the client chooses (Checkout takes it only as a saved Price). */
+export async function customAmountPrice(stripe, input, options) {
+    const { minimum, maximum, preset } = input.customAmount;
+    return stripe.prices.create({
+        currency: input.currency,
+        custom_unit_amount: {
+            enabled: true,
+            ...(minimum !== undefined ? { minimum } : {}),
+            ...(maximum !== undefined ? { maximum } : {}),
+            ...(preset !== undefined ? { preset } : {}),
+        },
+        product_data: { name: clip(input.name, PRODUCT_NAME_MAX) },
+    }, options);
+}
+export async function createCheckoutCharge(stripe, input) {
+    const account = chargeAccount(input);
+    const onIt = onAccount(account);
+    const lineItems = input.customAmount
+        ? [
+            {
+                quantity: 1,
+                price: (await customAmountPrice(stripe, {
+                    currency: input.currency,
+                    name: input.items[0]?.name ?? input.description,
+                    customAmount: input.customAmount,
+                }, { ...onIt, idempotencyKey: `${input.idempotencyKey}:price` })).id,
+            },
+        ]
+        : lineItemsFor(input.currency, input.items);
+    const hasCustomer = Boolean(input.clientId);
+    const session = await stripe.checkout.sessions.create({
+        mode: 'payment',
+        ui_mode: input.ui === 'embedded' ? 'embedded_page' : 'hosted_page',
+        line_items: lineItems,
+        ...(input.clientId ? { customer: input.clientId } : {}),
+        ...(input.clientEmail && !input.clientId ? { customer_email: input.clientEmail } : {}),
+        // A method kept for later needs a customer to belong to.
+        ...(input.saveMethod && !input.clientId ? { customer_creation: 'always' } : {}),
+        client_reference_id: input.reference,
+        metadata: input.metadata,
+        payment_intent_data: {
+            ...moneyRouting(input, input.platformFeeAmount),
+            description: input.description,
+            metadata: { ...input.metadata, [COLLECTION_METADATA_KEY]: 'checkout' },
+            ...(input.capture === 'manual' ? { capture_method: 'manual' } : {}),
+            ...(input.saveMethod ? { setup_future_usage: 'off_session' } : {}),
+            ...(input.options.statementDescriptorSuffix
+                ? { statement_descriptor_suffix: input.options.statementDescriptorSuffix }
+                : {}),
+        },
+        ...(input.ui === 'embedded'
+            ? { return_url: input.returnUrl }
+            : { success_url: input.successUrl, cancel_url: input.cancelUrl }),
+        expires_at: checkoutExpiry(input.expiresAt),
+        ...checkoutOptionParams(input.options, 'payment', hasCustomer),
+    }, { ...onIt, idempotencyKey: input.idempotencyKey });
+    return mapSession(session);
+}
+async function retrieveInvoice(stripe, invoiceId, options) {
+    return (await stripe.invoices.retrieve(invoiceId, { expand: ['payments'] }, options));
+}
+/**
+ * Email an invoice for a charge. An earlier attempt that crashed part-way may
+ * have left the invoice behind (found by the charge id in its metadata); it is
+ * finished instead of made twice.
+ */
+export async function createInvoiceCharge(stripe, input) {
+    const onIt = onAccount(chargeAccount(input));
+    const earlier = (await stripe.invoices.list({ customer: input.clientId, limit: 20 }, onIt)).data.find((invoice) => invoice.metadata?.plumbus_charge_id === input.reference && invoice.status !== 'void');
+    const { transfer_group: _group, ...money } = moneyRouting(input, input.platformFeeAmount);
+    let invoice = earlier ??
+        (await stripe.invoices.create({
+            customer: input.clientId,
+            currency: input.currency,
+            collection_method: 'send_invoice',
+            days_until_due: input.dueInDays,
+            description: input.description,
+            pending_invoice_items_behavior: 'exclude',
+            auto_advance: false,
+            metadata: input.metadata,
+            ...money,
+            ...(input.automaticTax ? { automatic_tax: { enabled: true } } : {}),
+        }, { ...onIt, idempotencyKey: `${input.idempotencyKey}:invoice` }));
+    if (invoice.status === 'draft') {
+        if ((invoice.lines?.data.length ?? 0) === 0) {
+            for (const [index, item] of input.items.entries()) {
+                await stripe.invoiceItems.create({
+                    customer: input.clientId,
+                    invoice: invoice.id,
+                    currency: input.currency,
+                    description: item.description ? `${item.name} — ${item.description}` : item.name,
+                    quantity: item.quantity,
+                    unit_amount_decimal: Stripe.Decimal.from(item.unitAmount),
+                    metadata: { plumbus_charge_id: input.reference },
+                }, { ...onIt, idempotencyKey: `${input.idempotencyKey}:item:${index}` });
+            }
+        }
+        invoice = await stripe.invoices.finalizeInvoice(invoice.id, { auto_advance: false }, onIt);
+    }
+    if (invoice.status === 'open' && !earlier) {
+        await stripe.invoices.sendInvoice(invoice.id, {}, { ...onIt, idempotencyKey: `${input.idempotencyKey}:send` });
+    }
+    return mapInvoiceCharge(await retrieveInvoice(stripe, invoice.id, onIt));
+}
+/** The PaymentIntent a declined off-session payment left behind, from Stripe's error. */
+function intentFromError(err) {
+    if (!(err instanceof Stripe.errors.StripeError))
+        return null;
+    const raw = err.raw;
+    return raw?.payment_intent ?? null;
+}
+/**
+ * Charge a saved method without the client. A decline or a bank that wants the
+ * client present is an outcome (failed / requires_action), not an error.
+ */
+export async function chargeSavedMethod(stripe, input) {
+    try {
+        const intent = await stripe.paymentIntents.create({
+            amount: input.amount,
+            currency: input.currency,
+            customer: input.clientId,
+            payment_method: input.methodId,
+            off_session: true,
+            confirm: true,
+            description: input.description,
+            metadata: { ...input.metadata, [COLLECTION_METADATA_KEY]: 'saved_method' },
+            ...(input.capture === 'manual' ? { capture_method: 'manual' } : {}),
+            ...moneyRouting(input, input.platformFeeAmount),
+            ...(input.statementDescriptorSuffix
+                ? { statement_descriptor_suffix: input.statementDescriptorSuffix }
+                : {}),
+            expand: ['latest_charge'],
+        }, { ...onAccount(chargeAccount(input)), idempotencyKey: input.idempotencyKey });
+        return mapIntent(intent);
+    }
+    catch (err) {
+        const intent = intentFromError(err);
+        if (intent)
+            return mapIntent(intent);
+        throw err;
+    }
+}
+async function retrieveIntent(stripe, paymentId, options) {
+    return (await stripe.paymentIntents.retrieve(paymentId, { expand: ['latest_charge', 'payment_method'] }, options));
+}
+/**
+ * The charge a PaymentIntent belongs to, in the shape its collection reports:
+ * the PaymentIntent itself (saved methods), its Checkout Session (payment pages
+ * and links), or its invoice (invoices sent as charges). Null = not ours.
+ */
+export async function chargeForPayment(stripe, paymentId, accountId) {
+    const onIt = onAccount(accountId);
+    const intent = await retrieveIntent(stripe, paymentId, onIt);
+    if (intent.metadata?.[COLLECTION_METADATA_KEY] === 'saved_method')
+        return mapIntent(intent);
+    const [session] = (await stripe.checkout.sessions.list({
+        payment_intent: paymentId,
+        limit: 1,
+        expand: SESSION_EXPAND.map((path) => `data.${path}`),
+    }, onIt)).data;
+    if (session)
+        return mapSession(session);
+    const [invoicePayment] = (await stripe.invoicePayments.list({ payment: { type: 'payment_intent', payment_intent: paymentId }, limit: 1 }, onIt)).data;
+    const invoiceId = idOf(invoicePayment?.invoice);
+    if (!invoiceId)
+        return null;
+    const invoice = await retrieveInvoice(stripe, invoiceId, onIt);
+    if (!invoice.metadata?.plumbus_charge_id)
+        return null;
+    const latest = intent.latest_charge;
+    return {
+        ...mapInvoiceCharge(invoice),
+        paymentId,
+        amountRefunded: latest && typeof latest === 'object'
+            ? (latest.amount_refunded ?? 0)
+            : null,
+    };
+}
+export async function captureCharge(stripe, input) {
+    const intent = await stripe.paymentIntents.capture(input.paymentId, {
+        ...(input.amount !== undefined ? { amount_to_capture: input.amount } : {}),
+        ...(input.platformFeeAmount !== undefined && input.routing.flow !== 'platform'
+            ? { application_fee_amount: input.platformFeeAmount }
+            : {}),
+        expand: ['latest_charge'],
+    }, { ...onAccount(chargeAccount(input.routing)), idempotencyKey: input.idempotencyKey });
+    return mapIntent(intent);
+}
+const CANCELABLE_INTENT = new Set([
+    'requires_payment_method',
+    'requires_confirmation',
+    'requires_action',
+    'requires_capture',
+    'processing',
+]);
+async function releaseIntent(stripe, paymentId, options) {
+    const intent = await retrieveIntent(stripe, paymentId, options);
+    if (!CANCELABLE_INTENT.has(intent.status))
+        return intent;
+    return (await stripe.paymentIntents.cancel(paymentId, { expand: ['latest_charge'] }, options));
+}
+/** Stop a charge: expire its payment page, void its invoice, or release its hold. */
+export async function cancelCharge(stripe, input) {
+    const onIt = onAccount(chargeAccount(input.routing));
+    if (input.collection === 'invoice') {
+        const invoice = await retrieveInvoice(stripe, input.chargeId, onIt);
+        if (invoice.status === 'draft') {
+            await stripe.invoices.del(input.chargeId, onIt);
+            return { ...mapInvoiceCharge(invoice), status: 'canceled', url: null };
+        }
+        if (invoice.status === 'open') {
+            await stripe.invoices.voidInvoice(input.chargeId, {}, onIt);
+            return mapInvoiceCharge(await retrieveInvoice(stripe, input.chargeId, onIt));
+        }
+        return mapInvoiceCharge(invoice);
+    }
+    // A payment page: the charge's own, or one opened for a saved method that needed the client.
+    if (input.chargeId.startsWith('cs_')) {
+        let session = (await stripe.checkout.sessions.retrieve(input.chargeId, { expand: [...SESSION_EXPAND] }, onIt));
+        if (session.status === 'open') {
+            session = (await stripe.checkout.sessions.expire(input.chargeId, { expand: [...SESSION_EXPAND] }, onIt));
+        }
+        else if (idOf(session.payment_intent) && input.collection !== 'saved_method') {
+            // A completed page with a hold: release it.
+            await releaseIntent(stripe, idOf(session.payment_intent), onIt);
+            session = (await stripe.checkout.sessions.retrieve(input.chargeId, { expand: [...SESSION_EXPAND] }, onIt));
+        }
+        if (input.collection !== 'saved_method' || !input.paymentId)
+            return mapSession(session);
+    }
+    // A saved method charged off-session: the PaymentIntent is the charge.
+    const paymentId = input.paymentId ?? input.chargeId;
+    return mapIntent(await releaseIntent(stripe, paymentId, onIt));
+}
+//# sourceMappingURL=charges.js.map

package/dist/charges.js.map

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package/dist/config-rules.d.ts

@@ -0,0 +1,7 @@
+import type { MerchantDashboard, NormalizedPaymentsConfig, PaymentsFinding, Responsibility } from '@plumbus/payments';
+export declare function stripeDefaultResponsibilities(dashboard: MerchantDashboard): {
+    fees: Responsibility;
+    losses: Responsibility;
+};
+export declare function validateStripeConfig(config: NormalizedPaymentsConfig): PaymentsFinding[];
+//# sourceMappingURL=config-rules.d.ts.map

package/dist/config-rules.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"config-rules.d.ts","sourceRoot":"","sources":["../src/config-rules.ts"],"names":[],"mappings":"AAOA,OAAO,KAAK,EACV,iBAAiB,EACjB,wBAAwB,EACxB,eAAe,EACf,cAAc,EACf,MAAM,mBAAmB,CAAC;AAE3B,wBAAgB,6BAA6B,CAAC,SAAS,EAAE,iBAAiB,GAAG;IAC3E,IAAI,EAAE,cAAc,CAAC;IACrB,MAAM,EAAE,cAAc,CAAC;CACxB,CAKA;AAED,wBAAgB,oBAAoB,CAAC,MAAM,EAAE,wBAAwB,GAAG,eAAe,EAAE,CAiFxF"}

package/dist/config-rules.js

@@ -0,0 +1,87 @@
+// ── Stripe Connect rules for the payments config ──
+// Encodes what Stripe's Accounts v2 API accepts (hard errors) and what Stripe
+// recommends (warnings/info). Sources: Stripe "Configure the behavior of
+// connected accounts", "Recommended Connect integrations", and the v2 account
+// create error codes. Recommended pairs: full dashboard with direct charges;
+// Express or no dashboard with destination charges and platform liability.
+export function stripeDefaultResponsibilities(dashboard) {
+    // Express requires your platform to carry both; full and none default to Stripe.
+    return dashboard === 'express'
+        ? { fees: 'platform', losses: 'platform' }
+        : { fees: 'provider', losses: 'provider' };
+}
+export function validateStripeConfig(config) {
+    const findings = [];
+    for (const [name, option] of Object.entries(config.dashboards)) {
+        const path = `dashboards.${name}`;
+        if (name === 'express' && (option.fees !== 'platform' || option.losses !== 'platform')) {
+            findings.push({
+                level: 'error',
+                code: 'stripe_express_needs_platform_liability',
+                path,
+                message: 'Stripe requires Express-dashboard sellers to have your platform pay fees and cover losses (fees: "platform", losses: "platform")',
+            });
+        }
+        if (option.losses === 'platform' && option.fees !== 'platform') {
+            findings.push({
+                level: 'error',
+                code: 'stripe_platform_losses_need_platform_fees',
+                path,
+                message: 'Stripe requires fees: "platform" whenever losses: "platform"',
+            });
+        }
+        if (option.losses === 'platform') {
+            findings.push({
+                level: 'warning',
+                code: 'stripe_platform_covers_losses',
+                path: `${path}.losses`,
+                message: 'Your platform covers negative balances for these sellers; Stripe may hold a reserve on your balance and expects you to manage seller risk',
+            });
+        }
+        if (name === 'none' && option.losses === 'platform') {
+            findings.push({
+                level: 'warning',
+                code: 'stripe_platform_collects_requirements',
+                path,
+                message: 'With no dashboard and platform-covered losses, your platform is responsible for collecting seller identity requirements (Stripe onboarding pages can still do the collecting)',
+            });
+        }
+        const chargeType = config.chargeType[name] ?? 'direct';
+        if (chargeType === 'destination' &&
+            (option.fees !== 'platform' || option.losses !== 'platform')) {
+            // With no dashboard, platform losses also make the platform collect identity requirements.
+            findings.push({
+                level: name === 'none' ? 'info' : 'warning',
+                code: 'stripe_destination_recommends_platform_liability',
+                path,
+                message: name === 'none'
+                    ? 'Stripe recommends fees: "platform" and losses: "platform" for sellers paid by destination charges; with no dashboard that also makes your platform collect their identity requirements, so keeping Stripe-covered losses is a reasonable choice'
+                    : 'Stripe recommends fees: "platform" and losses: "platform" for sellers paid by destination charges (your platform is the merchant of record and pays the Stripe fees either way)',
+            });
+        }
+        if (name !== 'full' && chargeType === 'direct') {
+            findings.push({
+                level: 'warning',
+                code: 'stripe_direct_charges_on_limited_dashboard',
+                path: `chargeType.${name}`,
+                message: `Stripe recommends destination charges for ${name}-dashboard sellers: with direct charges their customers see the seller as the merchant, and the seller handles refunds and disputes with limited tools`,
+            });
+            findings.push({
+                level: 'info',
+                code: 'stripe_radar_rules',
+                path,
+                message: `Sellers on the ${name} dashboard cannot set their own Radar fraud rules, and your platform rules do not apply to their direct charges; set rules per seller with "View Dashboard as this account"`,
+            });
+        }
+        if (name === 'full' && chargeType === 'destination') {
+            findings.push({
+                level: 'info',
+                code: 'stripe_destination_on_full_dashboard',
+                path: `chargeType.${name}`,
+                message: 'Stripe recommends direct charges for full-dashboard sellers, who run their own Stripe account; with destination charges your platform is the merchant of record for their sales',
+            });
+        }
+    }
+    return findings;
+}
+//# sourceMappingURL=config-rules.js.map

package/dist/config-rules.js.map

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package/dist/diagnose.d.ts

@@ -0,0 +1,17 @@
+import type { CatalogInput, PaymentsFinding, WebhookSetupResult } from '@plumbus/payments';
+import Stripe from 'stripe';
+export declare const STRIPE_API_VERSION: "2026-08-26.dahlia";
+export declare const STRIPE_DESTINATION_NAMES: {
+    readonly snapshot: "plumbus-payments-sellers";
+    readonly thin: "plumbus-payments-accounts";
+};
+export declare function diagnoseStripe(input: {
+    client: () => Promise<Stripe>;
+    secretKey: () => Promise<string>;
+    webhookSecrets: () => Promise<readonly string[]>;
+    webhookUrl: string | undefined;
+    catalog: CatalogInput | undefined;
+}): Promise<PaymentsFinding[]>;
+export declare function setupStripeDestinations(stripe: Stripe, url: string): Promise<WebhookSetupResult>;
+export declare function messageOf(err: unknown): string;
+//# sourceMappingURL=diagnose.d.ts.map

package/dist/diagnose.d.ts.map

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