@siglume/direct-request-payment 0.3.0 → 0.3.2

package/README.md

@@ -1,404 +1,424 @@
-# @siglume/direct-request-payment
-
-[![npm version](https://img.shields.io/npm/v/@siglume/direct-request-payment.svg)](https://www.npmjs.com/package/@siglume/direct-request-payment)
-[![PyPI version](https://img.shields.io/pypi/v/siglume-direct-request-payment.svg)](https://pypi.org/project/siglume-direct-request-payment/)
-
-Merchant SDK for Siglume Direct Request Payment checkout integrations.
-
-Use this package when an external EC site, booking service, membership service,
-or paid API wants to accept Siglume wallet payments without taking custody of
-customer funds.
-
-This SDK is intentionally separate from `@siglume/api-sdk`:
-
-- `@siglume/api-sdk` is for publishing agent-facing APIs to the Siglume API Store.
-- `@siglume/direct-request-payment` is for external merchants integrating
-  Siglume Direct Request Payment into their own checkout.
-
-## What This SDK Covers
-
-- merchant self-service setup with a Siglume merchant JWT
-- challenge secret creation and rotation
-- merchant billing mandate preparation
-- webhook subscription creation
-- merchant-signed payment challenges
-- buyer-authenticated payment requirement creation
-- prepared wallet transaction execution payloads
-- payment requirement verification
-- signed webhook verification
-
-It does not custody funds or manage customer wallets. Merchant setup runs through
-Siglume APIs with the merchant's Siglume JWT; buyer payment creation runs with
-the buyer's Siglume JWT.
-
-## Install
-
-```bash
-npm install @siglume/direct-request-payment
-```
-
-```bash
-pip install siglume-direct-request-payment
-```
-
-Node.js 18 or later is required for the TypeScript SDK. Python 3.11 or later is
-required for the Python SDK.
-
-## Current Platform Contract
-
-The public product name is **Siglume Direct Request Payment**. The current
-platform payload still uses the internal mode name `external_402`; this SDK sets
-that value for you when creating a payment requirement.
-
-Payment requirement creation must run in the authenticated buyer's Siglume
-context. Your merchant server must not use a merchant secret or API key to
-charge a customer wallet. The merchant server creates the signed challenge; the
-buyer-facing Siglume payment flow creates and pays the requirement.
-
-`DirectRequestPaymentMerchantClient` requires the merchant's Siglume bearer
-token for setup. `DirectRequestPaymentClient` requires the buyer's Siglume
-bearer token for payment requirements. Do not use a Developer Portal `cli_` API
-key with this package.
-
-Current HTTP endpoints live under Siglume's market/API Store route namespace for
-compatibility with the existing platform contract. That does not make this SDK an
-API Store publishing SDK.
-
-## Trial Pricing
-
-Siglume Direct Request Payment is currently offered with trial-phase merchant
-pricing designed for small EC sites, booking services, membership services, paid
-APIs, and agent-to-agent payment experiments.
-
-Both launch settlement currencies are first-class: JPY settled in JPYC, and USD
-settled in USDC. A merchant settles in one currency, chosen at onboarding. The
-settlement fee percentage is identical in both currencies; only the flat
-amounts differ.
-
-| Plan | Monthly fee (JPY / USD) | Payment fee |
-| --- | ---: | ---: |
-| Launch | JPY 0 / USD 0 | 1.8% |
-| Starter | JPY 980 / USD 6.00 | 1.0% |
-| Growth | JPY 2,980 / USD 18.00 | 0.7% |
-| Pro | JPY 9,800 / USD 60.00 | 0.5% |
-
-Every payment is fee-bearing at the plan rate. The minimum fee is JPY 30
-(USD merchants: USD 0.20) per payment — it recovers the per-payment settlement
-cost (an on-chain signature plus network gas) on small payments; the percentage
-rate applies on larger payments. A merchant billing
-mandate is required before accepting payments, even on the Launch plan. The API
-and merchant registry may still expose the internal plan key `free` for this
-tier. See [docs/pricing.md](./docs/pricing.md) for details.
-
-Per-payment fees are deducted at payment settlement time, so the merchant
-receives the net amount. Monthly base fees are collected through the merchant
-billing mandate. `fee_bps` returned on a payment requirement is the authoritative
-per-payment rate for that payment in the merchant's settlement currency.
-
-## Merchant Setup: One SDK Call
-
-Run this once from the merchant server or an integration agent with the
-merchant's Siglume JWT. It reserves the merchant key, creates the challenge
-secret, prepares the billing mandate, and creates the webhook subscription.
-
-```ts
-import { DirectRequestPaymentMerchantClient } from "@siglume/direct-request-payment";
-
-const merchant = new DirectRequestPaymentMerchantClient({
-  auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN!,
-});
-
-const setup = await merchant.setupCheckout({
-  merchant: "example_merchant",
-  display_name: "Example Merchant",
-  billing_plan: "launch",
-  billing_currency: "JPY",
-  webhook_callback_url: "https://merchant.example/siglume/webhook",
-  max_amount_minor: 100000,
-});
-
-console.log(setup.env);
-// {
-//   SIGLUME_DIRECT_PAYMENT_MERCHANT: "example_merchant",
-//   SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET: "edrp_...",
-//   SIGLUME_WEBHOOK_SECRET: "whsec_..."
-// }
-```
-
-```py
-import os
-
-from siglume_direct_request_payment import DirectRequestPaymentMerchantClient
-
-merchant = DirectRequestPaymentMerchantClient(
-    auth_token=os.environ["SIGLUME_MERCHANT_AUTH_TOKEN"],
-)
-
-setup = merchant.setup_checkout(
-    merchant="example_merchant",
-    display_name="Example Merchant",
-    billing_plan="launch",
-    billing_currency="JPY",
-    webhook_callback_url="https://merchant.example/siglume/webhook",
-    max_amount_minor=100000,
-)
-
-print(setup["env"])
-```
-
-Store returned secrets on the merchant server. `challenge_secret` and
-`signing_secret` are returned only when they are created or rotated. If a billing
-mandate response requires wallet approval, complete that Siglume wallet step
-before accepting production payments.
-
-## Merchant Server: Create a Challenge
-
-```ts
-import { createDirectRequestPaymentChallenge } from "@siglume/direct-request-payment";
-
-const challenge = await createDirectRequestPaymentChallenge({
-  merchant: "example_merchant",
-  amount_minor: 1200,
-  currency: "JPY",
-  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
-  nonce: "order_123-attempt_1",
-});
-
-// Return only challenge.challenge to the buyer-facing checkout.
-// Never return the challenge secret to the browser.
-console.log(challenge.challenge);
-```
-
-```py
-import os
-
-from siglume_direct_request_payment import create_direct_request_payment_challenge
-
-challenge = create_direct_request_payment_challenge(
-    merchant="example_merchant",
-    amount_minor=1200,
-    currency="JPY",
-    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
-    nonce="order_123-attempt_1",
-)
-
-print(challenge["challenge"])
-```
-
-The signed challenge binds:
-
-- merchant key
-- amount in minor units
-- currency
-- nonce
-
-Changing any of those values invalidates the challenge.
-The nonce must not contain `:` because the current platform challenge format is
-`scheme:nonce:signature`.
-
-## Buyer Payment Flow
-
-Use `DirectRequestPaymentClient` only with the authenticated buyer's Siglume
-bearer token. `SIGLUME_AUTH_TOKEN` may be used in server-side payment-confirmation
-helpers; `SIGLUME_API_KEY` and Developer Portal `cli_` keys are not accepted.
-
-```ts
-import { DirectRequestPaymentClient } from "@siglume/direct-request-payment";
-
-const siglume = new DirectRequestPaymentClient({
-  auth_token: buyerSiglumeBearerToken,
-});
-
-const requirement = await siglume.createPaymentRequirement({
-  merchant: "example_merchant",
-  amount_minor: 1200,
-  currency: "JPY",
-  challenge: challengeFromMerchantServer,
-});
-
-if (requirement.approve_transaction_request) {
-  await siglume.executeAllowanceTransaction(requirement, { await_finality: true });
-}
-
-const payment = await siglume.executePaymentTransaction(requirement, {
-  await_finality: true,
-});
-
-const receiptId = String(payment.receipt?.receipt_id ?? "");
-const verified = await siglume.verifyPaymentRequirement(requirement.requirement_id, {
-  receipt_id: receiptId,
-  await_finality: false,
-});
-
-console.log(verified.status);
-```
-
-```py
-from siglume_direct_request_payment import DirectRequestPaymentClient
-
-siglume = DirectRequestPaymentClient(auth_token=buyer_siglume_bearer_token)
-
-requirement = siglume.create_payment_requirement(
-    merchant="example_merchant",
-    amount_minor=1200,
-    currency="JPY",
-    challenge=challenge_from_merchant_server,
-)
-
-if requirement.get("approve_transaction_request"):
-    siglume.execute_allowance_transaction(requirement, await_finality=True)
-
-payment = siglume.execute_payment_transaction(requirement, await_finality=True)
-receipt_id = str((payment.get("receipt") or {}).get("receipt_id") or "")
-
-verified = siglume.verify_payment_requirement(
-    requirement["requirement_id"],
-    receipt_id=receipt_id,
-    await_finality=False,
-)
-
-print(verified["status"])
-```
-
-## Recurring Payments: Subscription and Scheduled Autopay
-
-Beyond one-time checkout, a buyer can authorize recurring payments. The merchant
-approves the price and cadence ONCE by signing a recurring challenge (a distinct
-scheme, so one-time challenges and recurring approvals can never be replayed as
-each other); after that, recurring charges are challenge-free by design — the
-buyer's on-chain payment mandate (frozen payee, amount cap, cadence) is the
-per-charge integrity check.
-
-- **Subscription** (`cadence: "monthly"`): Siglume charges the buyer's wallet
-  monthly and pays your merchant wallet automatically. First month is charged at
-  setup. The buyer can cancel from their Siglume wallet at any time.
-- **Scheduled autopay** (`cadence: "daily"`): the buyer authorizes at most one
-  charge per day at a fixed amount and hands you a `schedule_token`; YOUR
-  scheduler triggers each occurrence with that token.
-
-```ts
-import { createDirectRequestPaymentRecurringChallenge } from "@siglume/direct-request-payment";
-
-// Merchant server: approve a JPY 980 monthly subscription once.
-const recurring = await createDirectRequestPaymentRecurringChallenge({
-  merchant: "example_merchant",
-  amount_minor: 980,
-  currency: "JPY",
-  cadence: "monthly",
-  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
-  nonce: "subscription_setup_4711",
-});
-
-// Hand recurring.challenge to the buyer-facing page. The buyer creates the
-// subscription with their Siglume token:
-//   POST /v1/market/api-store/direct-payments/subscriptions
-//   { merchant, amount_minor, currency, cadence: "monthly", challenge }
-// For scheduled autopay, the buyer instead creates a scheduled auto-pay
-// authorization (mode: "external_402") and gives you the schedule_token.
-```
-
-```py
-import os
-
-from siglume_direct_request_payment import create_direct_request_payment_recurring_challenge
-
-# Merchant server: approve a JPY 980 monthly subscription once.
-recurring = create_direct_request_payment_recurring_challenge(
-    merchant="example_merchant",
-    amount_minor=980,
-    currency="JPY",
-    cadence="monthly",
-    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
-    nonce="subscription_setup_4711",
-)
-
-# Hand recurring["challenge"] to the buyer-facing page, as in the TS example.
-print(recurring["challenge"])
-```
-
-Each recurring challenge is single-use: it authorizes exactly one subscription
-or schedule, bound to the first buyer who redeems it. Issue a fresh challenge
-per setup. The platform fee on recurring charges is your plan's payment fee
-(with the per-payment minimum), frozen at setup.
-
-Merchant-facing webhook events: `subscription.created`, `subscription.renewed`
-(each monthly charge), `payment.failed` (renewal failure, with `will_retry` /
-`final_failure` flags), `subscription.cancelled`, and — for each scheduled
-autopay occurrence — the usual `direct_payment.confirmed`.
-
-## Webhooks
-
-Your merchant system should treat Siglume webhooks as the durable delivery
-signal. Always verify the signature against the raw request body before trusting
-the payload. Create a marketplace webhook subscription with
-`POST /v1/market/webhooks/subscriptions`; the response returns the `whsec_`
-signing secret once.
-
-```ts
-import { verifyDirectRequestPaymentWebhook } from "@siglume/direct-request-payment";
-
-const { event } = await verifyDirectRequestPaymentWebhook(
-  process.env.SIGLUME_WEBHOOK_SECRET!,
-  rawRequestBody,
-  request.headers["siglume-signature"],
-);
-
-if (event.type === "direct_payment.confirmed") {
-  // Mark the order paid if event.data.challenge_hash/order mapping matches.
-}
-```
-
-```py
-import os
-
-from siglume_direct_request_payment import verify_direct_request_payment_webhook
-
-verified = verify_direct_request_payment_webhook(
-    os.environ["SIGLUME_WEBHOOK_SECRET"],
-    raw_request_body,
-    siglume_signature_header,
-)
-
-if verified["event"]["type"] == "direct_payment.confirmed":
-    # Mark the order paid if event.data.challenge_hash/order mapping matches.
-    pass
-```
-
-## Security Rules
-
-- Keep the challenge secret on the merchant server only.
-- Keep merchant order amount and currency server-authored.
-- Use one nonce per order payment attempt.
-- Store `challenge_hash` with the order and reject mismatches.
-- Make order fulfillment idempotent by `requirement_id` and order id.
-- Verify webhook signatures against the raw body.
-- Do not use a merchant token to charge a customer wallet.
-- Do not treat Direct Request Payment as stored value, prepaid points, escrow, or
-  a platform balance.
-
-Read [docs/security.md](./docs/security.md) before going live.
-
-## Go-Live Checklist
-
-- Run `setupCheckout` with the merchant Siglume JWT.
-- Complete the merchant billing mandate wallet approval if required.
-- Store `SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET` only on the merchant server.
-- Store the returned `SIGLUME_WEBHOOK_SECRET` only on the merchant server.
-- Persist `challenge_hash`, `requirement_id`, and fulfillment state per order.
-- Fulfill orders only from verified webhook data, with idempotency.
-- Treat `fee_bps` returned by Siglume as the runtime fee source of truth.
-
-## Documentation
-
-- [Merchant quickstart](./docs/merchant-quickstart.md)
-- [API reference](./docs/api-reference.md)
-- [Pricing](./docs/pricing.md)
-- [Security guide](./docs/security.md)
-- [Merchant setup example](./examples/setup-merchant.ts)
-- [Express checkout example](./examples/express-checkout.ts)
-- [Japanese launch announcement draft](./docs/announcement-ja.md)
-- [Changelog](./CHANGELOG.md)
-
-## License
-
-MIT
+# @siglume/direct-request-payment
+
+[![npm version](https://img.shields.io/npm/v/@siglume/direct-request-payment.svg)](https://www.npmjs.com/package/@siglume/direct-request-payment)
+[![PyPI version](https://img.shields.io/pypi/v/siglume-direct-request-payment.svg)](https://pypi.org/project/siglume-direct-request-payment/)
+
+Merchant SDK for Siglume Direct Request Payment checkout integrations.
+
+Use this package when an external EC site, booking service, membership service,
+or paid API wants to accept Siglume wallet payments without taking custody of
+customer funds.
+
+This SDK is intentionally separate from `@siglume/api-sdk`:
+
+- `@siglume/api-sdk` is for publishing agent-facing APIs to the Siglume API Store.
+- `@siglume/direct-request-payment` is for external merchants integrating
+  Siglume Direct Request Payment into their own checkout.
+
+## What This SDK Covers
+
+- merchant self-service setup with a Siglume merchant JWT
+- challenge secret creation and rotation
+- merchant billing mandate preparation
+- webhook subscription creation
+- merchant-signed payment challenges
+- buyer-authenticated payment requirement creation
+- prepared wallet transaction execution payloads
+- payment requirement verification
+- signed webhook verification
+
+It does not custody funds or manage customer wallets. Merchant setup runs through
+Siglume APIs with the merchant's Siglume JWT; buyer payment creation runs with
+the buyer's Siglume JWT.
+
+## Install
+
+```bash
+npm install @siglume/direct-request-payment
+```
+
+```bash
+pip install siglume-direct-request-payment
+```
+
+Node.js 18 or later is required for the TypeScript SDK. Python 3.11 or later is
+required for the Python SDK.
+
+## Current Platform Contract
+
+The public product name is **Siglume Direct Request Payment**. The current
+platform payload still uses the internal mode name `external_402`; this SDK sets
+that value for you when creating a payment requirement.
+
+Payment requirement creation must run in the authenticated buyer's Siglume
+context. Your merchant server must not use a merchant secret or API key to
+charge a customer wallet. The merchant server creates the signed challenge; the
+buyer-facing Siglume payment flow creates and pays the requirement.
+
+`DirectRequestPaymentMerchantClient` requires the merchant's Siglume bearer
+token for setup. `DirectRequestPaymentClient` requires the buyer's Siglume
+bearer token for payment requirements. Do not use a Developer Portal `cli_` API
+key with this package.
+
+Current HTTP endpoints live under Siglume's market/API Store route namespace for
+compatibility with the existing platform contract. That does not make this SDK an
+API Store publishing SDK.
+
+## SDRP Payment Menu Boundary
+
+SDRP is the overall protocol name. This SDK covers **Standard Payment** for
+external merchants: checkout, subscription, and scheduled-autopay flows that
+settle through the ordinary DirectPaymentHub wallet-payment rail.
+
+The new API Store small-payment menus are separate from this SDK:
+
+| SDRP menu | Amount band | Settlement behavior | SDK boundary |
+| --- | --- | --- | --- |
+| Standard Payment | Over JPY 500 / over USD 3.00, or immediate finality required | Buyer confirms payment; DirectPaymentHub settles on-chain immediately | Covered by `@siglume/direct-request-payment` |
+| Micro Payment | JPY 50-500 / about USD 0.30-3.00 | API Store meter gate before provider execution; weekly delayed settlement | Use the API Store flow, not this merchant checkout SDK |
+| Nano Payment | Under JPY 1 to JPY 49 / under USD 0.01 to about USD 0.30 | API Store meter gate before provider execution; monthly delayed settlement | Use the API Store flow, not this merchant checkout SDK |
+
+Micro Payment and Nano Payment do not execute an on-chain payment during the
+provider API call. If the buyer has no valid metered budget, scope, or remaining
+limit, Siglume records `rejected_no_charge` and does not call the provider API.
+
+## Standard Payment Merchant Pricing
+
+Siglume Direct Request Payment is currently offered with trial-phase merchant
+pricing designed for small EC sites, booking services, membership services, paid
+APIs, and external scheduled-payment experiments.
+
+Both launch settlement currencies are first-class: JPY settled in JPYC, and USD
+settled in USDC. A merchant settles in one currency, chosen at onboarding. The
+settlement fee percentage is identical in both currencies; only the flat
+amounts differ.
+
+| Plan | Monthly fee (JPY / USD) | Payment fee |
+| --- | ---: | ---: |
+| Launch | JPY 0 / USD 0 | 1.8% |
+| Starter | JPY 980 / USD 6.00 | 1.0% |
+| Growth | JPY 2,980 / USD 18.00 | 0.7% |
+| Pro | JPY 9,800 / USD 60.00 | 0.5% |
+
+Every payment is fee-bearing at the plan rate. The minimum fee is JPY 30
+(USD merchants: USD 0.20) per payment — it recovers the per-payment settlement
+cost (an on-chain signature plus network gas) on small payments; the percentage
+rate applies on larger payments. A merchant billing
+mandate is required before accepting payments, even on the Launch plan. The API
+and merchant registry may still expose the internal plan key `free` for this
+tier. See [docs/pricing.md](./docs/pricing.md) for details.
+
+Per-payment fees are deducted at payment settlement time, so the merchant
+receives the net amount. Monthly base fees are collected through the merchant
+billing mandate. `fee_bps` returned on a payment requirement is the authoritative
+per-payment rate for that payment in the merchant's settlement currency.
+
+## Merchant Setup: One SDK Call
+
+Run this once from the merchant server or an integration agent with the
+merchant's Siglume JWT. It reserves the merchant key, creates the challenge
+secret, prepares the billing mandate, and creates the webhook subscription.
+
+```ts
+import { DirectRequestPaymentMerchantClient } from "@siglume/direct-request-payment";
+
+const merchant = new DirectRequestPaymentMerchantClient({
+  auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN!,
+});
+
+const setup = await merchant.setupCheckout({
+  merchant: "example_merchant",
+  display_name: "Example Merchant",
+  billing_plan: "launch",
+  billing_currency: "JPY",
+  webhook_callback_url: "https://merchant.example/siglume/webhook",
+  max_amount_minor: 100000,
+});
+
+console.log(setup.env);
+// {
+//   SIGLUME_DIRECT_PAYMENT_MERCHANT: "example_merchant",
+//   SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET: "edrp_...",
+//   SIGLUME_WEBHOOK_SECRET: "whsec_..."
+// }
+```
+
+```py
+import os
+
+from siglume_direct_request_payment import DirectRequestPaymentMerchantClient
+
+merchant = DirectRequestPaymentMerchantClient(
+    auth_token=os.environ["SIGLUME_MERCHANT_AUTH_TOKEN"],
+)
+
+setup = merchant.setup_checkout(
+    merchant="example_merchant",
+    display_name="Example Merchant",
+    billing_plan="launch",
+    billing_currency="JPY",
+    webhook_callback_url="https://merchant.example/siglume/webhook",
+    max_amount_minor=100000,
+)
+
+print(setup["env"])
+```
+
+Store returned secrets on the merchant server. `challenge_secret` and
+`signing_secret` are returned only when they are created or rotated. If a billing
+mandate response requires wallet approval, complete that Siglume wallet step
+before accepting production payments.
+
+## Merchant Server: Create a Challenge
+
+```ts
+import { createDirectRequestPaymentChallenge } from "@siglume/direct-request-payment";
+
+const challenge = await createDirectRequestPaymentChallenge({
+  merchant: "example_merchant",
+  amount_minor: 1200,
+  currency: "JPY",
+  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
+  nonce: "order_123-attempt_1",
+});
+
+// Return only challenge.challenge to the buyer-facing checkout.
+// Never return the challenge secret to the browser.
+console.log(challenge.challenge);
+```
+
+```py
+import os
+
+from siglume_direct_request_payment import create_direct_request_payment_challenge
+
+challenge = create_direct_request_payment_challenge(
+    merchant="example_merchant",
+    amount_minor=1200,
+    currency="JPY",
+    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
+    nonce="order_123-attempt_1",
+)
+
+print(challenge["challenge"])
+```
+
+The signed challenge binds:
+
+- merchant key
+- amount in minor units
+- currency
+- nonce
+
+Changing any of those values invalidates the challenge.
+The nonce must not contain `:` because the current platform challenge format is
+`scheme:nonce:signature`.
+
+## Buyer Payment Flow
+
+Use `DirectRequestPaymentClient` only with the authenticated buyer's Siglume
+bearer token. `SIGLUME_AUTH_TOKEN` may be used in server-side payment-confirmation
+helpers; `SIGLUME_API_KEY` and Developer Portal `cli_` keys are not accepted.
+
+```ts
+import { DirectRequestPaymentClient } from "@siglume/direct-request-payment";
+
+const siglume = new DirectRequestPaymentClient({
+  auth_token: buyerSiglumeBearerToken,
+});
+
+const requirement = await siglume.createPaymentRequirement({
+  merchant: "example_merchant",
+  amount_minor: 1200,
+  currency: "JPY",
+  challenge: challengeFromMerchantServer,
+});
+
+if (requirement.approve_transaction_request) {
+  await siglume.executeAllowanceTransaction(requirement, { await_finality: true });
+}
+
+const payment = await siglume.executePaymentTransaction(requirement, {
+  await_finality: true,
+});
+
+const receiptId = String(payment.receipt?.receipt_id ?? "");
+const verified = await siglume.verifyPaymentRequirement(requirement.requirement_id, {
+  receipt_id: receiptId,
+  await_finality: false,
+});
+
+console.log(verified.status);
+```
+
+```py
+from siglume_direct_request_payment import DirectRequestPaymentClient
+
+siglume = DirectRequestPaymentClient(auth_token=buyer_siglume_bearer_token)
+
+requirement = siglume.create_payment_requirement(
+    merchant="example_merchant",
+    amount_minor=1200,
+    currency="JPY",
+    challenge=challenge_from_merchant_server,
+)
+
+if requirement.get("approve_transaction_request"):
+    siglume.execute_allowance_transaction(requirement, await_finality=True)
+
+payment = siglume.execute_payment_transaction(requirement, await_finality=True)
+receipt_id = str((payment.get("receipt") or {}).get("receipt_id") or "")
+
+verified = siglume.verify_payment_requirement(
+    requirement["requirement_id"],
+    receipt_id=receipt_id,
+    await_finality=False,
+)
+
+print(verified["status"])
+```
+
+## Recurring Payments: Subscription and Scheduled Autopay
+
+Beyond one-time checkout, a buyer can authorize recurring payments. The merchant
+approves the price and recurring product tag ONCE by signing a recurring
+challenge (a distinct scheme, so one-time challenges and recurring approvals can
+never be replayed as each other); after that, recurring charges are
+challenge-free by design. Subscriptions are bounded by the buyer's mandate;
+scheduled autopay is bounded by the buyer's per-run, daily, and monthly
+auto-pay budget.
+
+- **Subscription** (`cadence: "monthly"`): Siglume charges the buyer's wallet
+  monthly and pays your merchant wallet automatically. First month is charged at
+  setup. The buyer can cancel from their Siglume wallet at any time.
+- **Scheduled autopay** (`cadence: "daily"`): `daily` is the approval tag for
+  merchant-triggered scheduled autopay, not a run-count limiter. The
+  buyer authorizes the per-run amount and budget envelope, then hands you a
+  `schedule_token`; YOUR scheduler triggers each occurrence with that token.
+
+```ts
+import { createDirectRequestPaymentRecurringChallenge } from "@siglume/direct-request-payment";
+
+// Merchant server: approve a JPY 980 monthly subscription once.
+const recurring = await createDirectRequestPaymentRecurringChallenge({
+  merchant: "example_merchant",
+  amount_minor: 980,
+  currency: "JPY",
+  cadence: "monthly",
+  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
+  nonce: "subscription_setup_4711",
+});
+
+// Hand recurring.challenge to the buyer-facing page. The buyer creates the
+// subscription with their Siglume token:
+//   POST /v1/market/api-store/direct-payments/subscriptions
+//   { merchant, amount_minor, currency, cadence: "monthly", challenge }
+// For scheduled autopay, the buyer instead creates a scheduled auto-pay
+// authorization (mode: "external_402") and gives you the schedule_token.
+```
+
+```py
+import os
+
+from siglume_direct_request_payment import create_direct_request_payment_recurring_challenge
+
+# Merchant server: approve a JPY 980 monthly subscription once.
+recurring = create_direct_request_payment_recurring_challenge(
+    merchant="example_merchant",
+    amount_minor=980,
+    currency="JPY",
+    cadence="monthly",
+    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
+    nonce="subscription_setup_4711",
+)
+
+# Hand recurring["challenge"] to the buyer-facing page, as in the TS example.
+print(recurring["challenge"])
+```
+
+Each recurring challenge is single-use: it authorizes exactly one subscription
+or schedule, bound to the first buyer who redeems it. Issue a fresh challenge
+per setup. The platform fee on recurring charges is your plan's payment fee
+(with the per-payment minimum), frozen at setup.
+
+Merchant-facing webhook events: `subscription.created`, `subscription.renewed`
+(each monthly charge), `payment.failed` (renewal failure, with `will_retry` /
+`final_failure` flags), `subscription.cancelled`, and — for each scheduled
+autopay occurrence — the usual `direct_payment.confirmed`.
+
+## Webhooks
+
+Your merchant system should treat Siglume webhooks as the durable delivery
+signal. Always verify the signature against the raw request body before trusting
+the payload. Create a marketplace webhook subscription with
+`POST /v1/market/webhooks/subscriptions`; the response returns the `whsec_`
+signing secret once.
+
+```ts
+import { verifyDirectRequestPaymentWebhook } from "@siglume/direct-request-payment";
+
+const { event } = await verifyDirectRequestPaymentWebhook(
+  process.env.SIGLUME_WEBHOOK_SECRET!,
+  rawRequestBody,
+  request.headers["siglume-signature"],
+);
+
+if (event.type === "direct_payment.confirmed") {
+  // Mark the order paid if event.data.challenge_hash/order mapping matches.
+}
+```
+
+```py
+import os
+
+from siglume_direct_request_payment import verify_direct_request_payment_webhook
+
+verified = verify_direct_request_payment_webhook(
+    os.environ["SIGLUME_WEBHOOK_SECRET"],
+    raw_request_body,
+    siglume_signature_header,
+)
+
+if verified["event"]["type"] == "direct_payment.confirmed":
+    # Mark the order paid if event.data.challenge_hash/order mapping matches.
+    pass
+```
+
+## Security Rules
+
+- Keep the challenge secret on the merchant server only.
+- Keep merchant order amount and currency server-authored.
+- Use one nonce per order payment attempt.
+- Store `challenge_hash` with the order and reject mismatches.
+- Make order fulfillment idempotent by `requirement_id` and order id.
+- Verify webhook signatures against the raw body.
+- Do not use a merchant token to charge a customer wallet.
+- Do not treat Direct Request Payment as stored value, prepaid points, escrow, or
+  a platform balance.
+
+Read [docs/security.md](./docs/security.md) before going live.
+
+## Go-Live Checklist
+
+- Run `setupCheckout` with the merchant Siglume JWT.
+- Complete the merchant billing mandate wallet approval if required.
+- Store `SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET` only on the merchant server.
+- Store the returned `SIGLUME_WEBHOOK_SECRET` only on the merchant server.
+- Persist `challenge_hash`, `requirement_id`, and fulfillment state per order.
+- Fulfill orders only from verified webhook data, with idempotency.
+- Treat `fee_bps` returned by Siglume as the runtime fee source of truth.
+
+## Documentation
+
+- [Merchant quickstart](./docs/merchant-quickstart.md)
+- [API reference](./docs/api-reference.md)
+- [Pricing](./docs/pricing.md)
+- [Security guide](./docs/security.md)
+- [Merchant setup example](./examples/setup-merchant.ts)
+- [Express checkout example](./examples/express-checkout.ts)
+- [Japanese launch announcement draft](./docs/announcement-ja.md)
+- [Changelog](./CHANGELOG.md)
+
+## License
+
+MIT