@siglume/direct-request-payment 0.3.0 → 0.3.2

package/docs/merchant-quickstart.md

@@ -1,296 +1,302 @@
-# Merchant Quickstart
-
-This guide shows the minimum safe Siglume Direct Request Payment flow for an
-external merchant.
-
-## Actors
-
-- Merchant server: owns the order, amount, currency, challenge secret, webhook
-  endpoint, and order fulfillment.
-- Buyer: owns the Siglume wallet that pays the DirectPaymentHub transaction.
-- Siglume: creates the payment requirement, prepares the wallet transaction,
-  verifies the receipt, and emits signed webhooks.
-
-The merchant server must not create charges with a customer wallet. It signs the
-order challenge; the buyer-facing Siglume payment flow pays it.
-
-## 1. Run Merchant Setup
-
-Run setup from the merchant server, CI, or an integration agent with the
-merchant's Siglume JWT. Do not use a Developer Portal `cli_` key here.
-
-TypeScript:
-
-```ts
-import { DirectRequestPaymentMerchantClient } from "@siglume/direct-request-payment";
-
-const merchantClient = new DirectRequestPaymentMerchantClient({
-  auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN!,
-});
-
-const setup = await merchantClient.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);
-```
-
-Python:
-
-```py
-import os
-
-from siglume_direct_request_payment import DirectRequestPaymentMerchantClient
-
-merchant_client = DirectRequestPaymentMerchantClient(
-    auth_token=os.environ["SIGLUME_MERCHANT_AUTH_TOKEN"],
-)
-
-setup = merchant_client.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"])
-```
-
-`setupCheckout` / `setup_checkout` performs:
-
-- merchant key claim
-- challenge secret creation
-- billing mandate preparation
-- webhook subscription creation for `direct_payment.confirmed` and
-  `direct_payment.spent`
-
-Store `SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET` and `SIGLUME_WEBHOOK_SECRET`
-server-side only. Secrets are returned only when they are created or rotated.
-If the returned billing mandate requires wallet approval, complete that Siglume
-wallet step before accepting production payments.
-
-## 2. Create an Order and Challenge
-
-The merchant server creates the order before asking Siglume for payment.
-
-```ts
-import { createDirectRequestPaymentChallenge } from "@siglume/direct-request-payment";
-
-const order = {
-  id: "order_123",
-  amount_minor: 1200,
-  currency: "JPY",
-};
-
-const challenge = await createDirectRequestPaymentChallenge({
-  merchant: "example_merchant",
-  amount_minor: order.amount_minor,
-  currency: order.currency,
-  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
-  nonce: `${order.id}-attempt_1`,
-});
-
-await orders.update(order.id, {
-  siglume_challenge_hash: challenge.challenge_hash,
-  siglume_payment_status: "pending",
-});
-
-return {
-  order_id: order.id,
-  amount_minor: order.amount_minor,
-  currency: order.currency,
-  siglume_challenge: challenge.challenge,
-};
-```
-
-Python:
-
-```py
-import os
-
-from siglume_direct_request_payment import create_direct_request_payment_challenge
-
-order = {
-    "id": "order_123",
-    "amount_minor": 1200,
-    "currency": "JPY",
-}
-
-challenge = create_direct_request_payment_challenge(
-    merchant="example_merchant",
-    amount_minor=order["amount_minor"],
-    currency=order["currency"],
-    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
-    nonce=f"{order['id']}-attempt_1",
-)
-
-orders.update(
-    order["id"],
-    {
-        "siglume_challenge_hash": challenge["challenge_hash"],
-        "siglume_payment_status": "pending",
-    },
-)
-
-return {
-    "order_id": order["id"],
-    "amount_minor": order["amount_minor"],
-    "currency": order["currency"],
-    "siglume_challenge": challenge["challenge"],
-}
-```
-
-Never calculate `amount_minor` from browser input.
-The nonce must be unique per order payment attempt and must not contain `:`.
-
-## 3. Buyer Creates and Pays the Requirement
-
-After the buyer authenticates with Siglume, create the payment requirement with
-the buyer's Siglume bearer token. Do not use a Developer Portal `cli_` API key
-or merchant API key here.
-
-```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: order.amount_minor,
-  currency: order.currency,
-  challenge: order.siglume_challenge,
-});
-```
-
-Python:
-
-```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=order["amount_minor"],
-    currency=order["currency"],
-    challenge=order["siglume_challenge"],
-)
-```
-
-If Siglume returns `approve_transaction_request`, execute it first. Then execute
-the payment transaction and verify the receipt.
-
-```ts
-if (requirement.approve_transaction_request) {
-  await siglume.executeAllowanceTransaction(requirement, { await_finality: true });
-}
-
-const payment = await siglume.executePaymentTransaction(requirement, {
-  await_finality: true,
-});
-
-await siglume.verifyPaymentRequirement(requirement.requirement_id, {
-  receipt_id: String(payment.receipt?.receipt_id ?? ""),
-});
-```
-
-Python:
-
-```py
-if requirement.get("approve_transaction_request"):
-    siglume.execute_allowance_transaction(requirement, await_finality=True)
-
-payment = siglume.execute_payment_transaction(requirement, await_finality=True)
-
-siglume.verify_payment_requirement(
-    requirement["requirement_id"],
-    receipt_id=str((payment.get("receipt") or {}).get("receipt_id") or ""),
-)
-```
-
-## 4. Fulfill from Webhook
-
-Use the webhook as the durable signal, not just the browser return path.
-
-```ts
-import { verifyDirectRequestPaymentWebhook } from "@siglume/direct-request-payment";
-
-const { event } = await verifyDirectRequestPaymentWebhook(
-  process.env.SIGLUME_WEBHOOK_SECRET!,
-  rawRequestBody,
-  siglumeSignatureHeader,
-);
-
-if (event.type === "direct_payment.confirmed") {
-  const data = event.data;
-  const order = await orders.findByChallengeHash(String(data.challenge_hash ?? ""));
-  if (!order) {
-    throw new Error("Unknown Siglume challenge hash");
-  }
-  await orders.markPaidOnce(order.id, {
-    siglume_requirement_id: String(data.requirement_id ?? data.direct_payment_requirement_id ?? ""),
-  });
-}
-```
-
-Python:
-
-```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":
-    data = verified["event"]["data"]
-    order = orders.find_by_challenge_hash(str(data.get("challenge_hash") or ""))
-    if not order:
-        raise RuntimeError("Unknown Siglume challenge hash")
-    orders.mark_paid_once(
-        order["id"],
-        siglume_requirement_id=str(data.get("requirement_id") or data.get("direct_payment_requirement_id") or ""),
-    )
-```
-
-## Failure Handling
-
-- `EXTERNAL_402_CHALLENGE_REQUIRED`: the merchant server did not provide a
-  challenge.
-- `INVALID_EXTERNAL_402_CHALLENGE`: the amount, currency, merchant, nonce, or
-  signature does not match.
-- `EXTERNAL_402_CHALLENGE_ALREADY_USED`: the challenge is already bound to a
-  different buyer.
-- `EXTERNAL_402_MERCHANT_NOT_FOUND`: run merchant setup with the merchant's
-  Siglume JWT.
-- `EXTERNAL_402_MERCHANT_BILLING_SETUP_REQUIRED`: the merchant billing mandate
-  is not active yet.
-- `EXTERNAL_402_MERCHANT_BILLING_PAST_DUE` or
-  `EXTERNAL_402_MERCHANT_BILLING_SUSPENDED`: merchant billing must be fixed
-  before new payments can be accepted.
-
-## Go-Live Checklist
-
-- `setupCheckout` / `setup_checkout` has claimed the merchant key.
-- Merchant billing mandate is active.
-- Challenge secret is only in server-side environment variables.
-- Webhook endpoint receives raw body and verifies `Siglume-Signature`.
-- Orders store `challenge_hash`, `requirement_id`, and fulfillment status.
-- Fulfillment is idempotent.
-- Browser input cannot change the amount or currency.
-- Nonces cannot be reused for separate order attempts.
-- The order is fulfilled only after a verified webhook maps back to the stored
-  `challenge_hash`.
+# Merchant Quickstart
+
+This guide shows the minimum safe Siglume Direct Request Payment flow for an
+external merchant.
+
+## Actors
+
+- Merchant server: owns the order, amount, currency, challenge secret, webhook
+  endpoint, and order fulfillment.
+- Buyer: owns the Siglume wallet that pays the DirectPaymentHub transaction.
+- Siglume: creates the payment requirement, prepares the wallet transaction,
+  verifies the receipt, and emits signed webhooks.
+
+The merchant server must not create charges with a customer wallet. It signs the
+order challenge; the buyer-facing Siglume payment flow pays it.
+
+This quickstart is for SDRP Standard Payment in an external merchant product. If
+you are publishing a Siglume API Store listing that should use Micro Payment or
+Nano Payment, use the API Store flow instead. Micro/Nano run a server-side meter
+gate before provider execution and settle later; they are not browser checkout
+requirements created by this merchant SDK.
+
+## 1. Run Merchant Setup
+
+Run setup from the merchant server, CI, or an integration agent with the
+merchant's Siglume JWT. Do not use a Developer Portal `cli_` key here.
+
+TypeScript:
+
+```ts
+import { DirectRequestPaymentMerchantClient } from "@siglume/direct-request-payment";
+
+const merchantClient = new DirectRequestPaymentMerchantClient({
+  auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN!,
+});
+
+const setup = await merchantClient.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);
+```
+
+Python:
+
+```py
+import os
+
+from siglume_direct_request_payment import DirectRequestPaymentMerchantClient
+
+merchant_client = DirectRequestPaymentMerchantClient(
+    auth_token=os.environ["SIGLUME_MERCHANT_AUTH_TOKEN"],
+)
+
+setup = merchant_client.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"])
+```
+
+`setupCheckout` / `setup_checkout` performs:
+
+- merchant key claim
+- challenge secret creation
+- billing mandate preparation
+- webhook subscription creation for `direct_payment.confirmed` and
+  `direct_payment.spent`
+
+Store `SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET` and `SIGLUME_WEBHOOK_SECRET`
+server-side only. Secrets are returned only when they are created or rotated.
+If the returned billing mandate requires wallet approval, complete that Siglume
+wallet step before accepting production payments.
+
+## 2. Create an Order and Challenge
+
+The merchant server creates the order before asking Siglume for payment.
+
+```ts
+import { createDirectRequestPaymentChallenge } from "@siglume/direct-request-payment";
+
+const order = {
+  id: "order_123",
+  amount_minor: 1200,
+  currency: "JPY",
+};
+
+const challenge = await createDirectRequestPaymentChallenge({
+  merchant: "example_merchant",
+  amount_minor: order.amount_minor,
+  currency: order.currency,
+  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,
+  nonce: `${order.id}-attempt_1`,
+});
+
+await orders.update(order.id, {
+  siglume_challenge_hash: challenge.challenge_hash,
+  siglume_payment_status: "pending",
+});
+
+return {
+  order_id: order.id,
+  amount_minor: order.amount_minor,
+  currency: order.currency,
+  siglume_challenge: challenge.challenge,
+};
+```
+
+Python:
+
+```py
+import os
+
+from siglume_direct_request_payment import create_direct_request_payment_challenge
+
+order = {
+    "id": "order_123",
+    "amount_minor": 1200,
+    "currency": "JPY",
+}
+
+challenge = create_direct_request_payment_challenge(
+    merchant="example_merchant",
+    amount_minor=order["amount_minor"],
+    currency=order["currency"],
+    secret=os.environ["SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET"],
+    nonce=f"{order['id']}-attempt_1",
+)
+
+orders.update(
+    order["id"],
+    {
+        "siglume_challenge_hash": challenge["challenge_hash"],
+        "siglume_payment_status": "pending",
+    },
+)
+
+return {
+    "order_id": order["id"],
+    "amount_minor": order["amount_minor"],
+    "currency": order["currency"],
+    "siglume_challenge": challenge["challenge"],
+}
+```
+
+Never calculate `amount_minor` from browser input.
+The nonce must be unique per order payment attempt and must not contain `:`.
+
+## 3. Buyer Creates and Pays the Requirement
+
+After the buyer authenticates with Siglume, create the payment requirement with
+the buyer's Siglume bearer token. Do not use a Developer Portal `cli_` API key
+or merchant API key here.
+
+```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: order.amount_minor,
+  currency: order.currency,
+  challenge: order.siglume_challenge,
+});
+```
+
+Python:
+
+```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=order["amount_minor"],
+    currency=order["currency"],
+    challenge=order["siglume_challenge"],
+)
+```
+
+If Siglume returns `approve_transaction_request`, execute it first. Then execute
+the payment transaction and verify the receipt.
+
+```ts
+if (requirement.approve_transaction_request) {
+  await siglume.executeAllowanceTransaction(requirement, { await_finality: true });
+}
+
+const payment = await siglume.executePaymentTransaction(requirement, {
+  await_finality: true,
+});
+
+await siglume.verifyPaymentRequirement(requirement.requirement_id, {
+  receipt_id: String(payment.receipt?.receipt_id ?? ""),
+});
+```
+
+Python:
+
+```py
+if requirement.get("approve_transaction_request"):
+    siglume.execute_allowance_transaction(requirement, await_finality=True)
+
+payment = siglume.execute_payment_transaction(requirement, await_finality=True)
+
+siglume.verify_payment_requirement(
+    requirement["requirement_id"],
+    receipt_id=str((payment.get("receipt") or {}).get("receipt_id") or ""),
+)
+```
+
+## 4. Fulfill from Webhook
+
+Use the webhook as the durable signal, not just the browser return path.
+
+```ts
+import { verifyDirectRequestPaymentWebhook } from "@siglume/direct-request-payment";
+
+const { event } = await verifyDirectRequestPaymentWebhook(
+  process.env.SIGLUME_WEBHOOK_SECRET!,
+  rawRequestBody,
+  siglumeSignatureHeader,
+);
+
+if (event.type === "direct_payment.confirmed") {
+  const data = event.data;
+  const order = await orders.findByChallengeHash(String(data.challenge_hash ?? ""));
+  if (!order) {
+    throw new Error("Unknown Siglume challenge hash");
+  }
+  await orders.markPaidOnce(order.id, {
+    siglume_requirement_id: String(data.requirement_id ?? data.direct_payment_requirement_id ?? ""),
+  });
+}
+```
+
+Python:
+
+```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":
+    data = verified["event"]["data"]
+    order = orders.find_by_challenge_hash(str(data.get("challenge_hash") or ""))
+    if not order:
+        raise RuntimeError("Unknown Siglume challenge hash")
+    orders.mark_paid_once(
+        order["id"],
+        siglume_requirement_id=str(data.get("requirement_id") or data.get("direct_payment_requirement_id") or ""),
+    )
+```
+
+## Failure Handling
+
+- `EXTERNAL_402_CHALLENGE_REQUIRED`: the merchant server did not provide a
+  challenge.
+- `INVALID_EXTERNAL_402_CHALLENGE`: the amount, currency, merchant, nonce, or
+  signature does not match.
+- `EXTERNAL_402_CHALLENGE_ALREADY_USED`: the challenge is already bound to a
+  different buyer.
+- `EXTERNAL_402_MERCHANT_NOT_FOUND`: run merchant setup with the merchant's
+  Siglume JWT.
+- `EXTERNAL_402_MERCHANT_BILLING_SETUP_REQUIRED`: the merchant billing mandate
+  is not active yet.
+- `EXTERNAL_402_MERCHANT_BILLING_PAST_DUE` or
+  `EXTERNAL_402_MERCHANT_BILLING_SUSPENDED`: merchant billing must be fixed
+  before new payments can be accepted.
+
+## Go-Live Checklist
+
+- `setupCheckout` / `setup_checkout` has claimed the merchant key.
+- Merchant billing mandate is active.
+- Challenge secret is only in server-side environment variables.
+- Webhook endpoint receives raw body and verifies `Siglume-Signature`.
+- Orders store `challenge_hash`, `requirement_id`, and fulfillment status.
+- Fulfillment is idempotent.
+- Browser input cannot change the amount or currency.
+- Nonces cannot be reused for separate order attempts.
+- The order is fulfilled only after a verified webhook maps back to the stored
+  `challenge_hash`.