@vesant-sdk/fraud 0.1.3 → 0.2.0-dev.03a9c84

package/dist/index.mjs

@@ -1,9 +1,8 @@
-import { ValidationError, BaseClient } from '@vesant-sdk/core';
+import { PAYMENT_TYPE_VALUES, normalizePaymentType, ValidationError, BaseClient } from '@vesant-sdk/core';
+export { normalizePaymentType } from '@vesant-sdk/core';
 
 // src/client.ts
-
-// src/types/enums.ts
-var SiftTransactionTypeValues = [
+var TransactionTypeValues = [
   "$sale",
   "$authorize",
   "$capture",
@@ -31,7 +30,7 @@ var TransactionType = {
   Send: "$send",
   Receive: "$receive"
 };
-var SiftChargebackStateValues = [
+var ChargebackStateValues = [
   "$received",
   "$accepted",
   "$disputed",
@@ -45,7 +44,7 @@ var ChargebackState = {
   Won: "$won",
   Lost: "$lost"
 };
-var SiftChargebackReasonValues = [
+var ChargebackReasonValues = [
   "$fraud",
   "$duplicate",
   "$product_not_received",
@@ -73,28 +72,28 @@ var ChargebackReason = {
   AchReversal: "$ach_reversal",
   Other: "$other"
 };
-var SiftLoginStatusValues = ["$success", "$failure"];
+var LoginStatusValues = ["$success", "$failure"];
 var LoginStatus = {
   Success: "$success",
   Failure: "$failure"
 };
-var SiftLoginFailureReasonValues = [
+var LoginFailureReasonValues = [
   "$account_unknown",
   "$account_suspended",
   "$account_disabled",
   "$wrong_password"
 ];
-var SiftPasswordUpdateReasonValues = [
+var PasswordUpdateReasonValues = [
   "$user_update",
   "$forgot_password",
   "$forced_reset"
 ];
 var PasswordUpdateReason = {
-  UserUpdate: SiftPasswordUpdateReasonValues[0],
-  ForgotPassword: SiftPasswordUpdateReasonValues[1],
-  ForcedReset: SiftPasswordUpdateReasonValues[2]
+  UserUpdate: PasswordUpdateReasonValues[0],
+  ForgotPassword: PasswordUpdateReasonValues[1],
+  ForcedReset: PasswordUpdateReasonValues[2]
 };
-var SiftPasswordUpdateStatusValues = [
+var PasswordUpdateStatusValues = [
   "$pending",
   "$success",
   "$failure"
@@ -104,12 +103,12 @@ var PasswordUpdateStatus = {
   Success: "$success",
   Failure: "$failure"
 };
-var SiftWagerStatusValues = ["$accept", "$cancel"];
+var WagerStatusValues = ["$accept", "$cancel"];
 var WagerStatus = {
   Accept: "$accept",
   Cancel: "$cancel"
 };
-var SiftTransactionStatusValues = [
+var TransactionStatusValues = [
   "$success",
   "$failure",
   "$pending"
@@ -119,32 +118,7 @@ var TransactionStatus = {
   Failure: "$failure",
   Pending: "$pending"
 };
-var SiftPaymentTypeValues = [
-  "$cash",
-  "$check",
-  "$credit_card",
-  "$crypto_currency",
-  "$debit_card",
-  "$digital_wallet",
-  "$electronic_fund_transfer",
-  "$financing",
-  "$gift_card",
-  "$invoice",
-  "$in_app_purchase",
-  "$money_order",
-  "$points",
-  "$prepaid_card",
-  "$store_credit",
-  "$third_party_processor",
-  "$voucher",
-  "$sepa_credit",
-  "$sepa_instant_credit",
-  "$sepa_direct_debit",
-  "$ach_credit",
-  "$ach_debit",
-  "$wire_credit",
-  "$wire_debit"
-];
+var PaymentTypeValues = PAYMENT_TYPE_VALUES;
 var PaymentType = {
   Cash: "$cash",
   Check: "$check",
@@ -171,7 +145,7 @@ var PaymentType = {
   WireCredit: "$wire_credit",
   WireDebit: "$wire_debit"
 };
-var SiftWalletTypeValues = ["$crypto", "$digital", "$fiat"];
+var WalletTypeValues = ["$crypto", "$digital", "$fiat"];
 var WalletType = {
   Crypto: "$crypto",
   Digital: "$digital",
@@ -199,36 +173,7 @@ var TRANSACTION_RULE_SIGNAL_KEYS = [
   "days_since_last_activity",
   "hours_since_account_creation"
 ];
-
-// src/normalization/payment-methods.ts
-var PAYMENT_TYPE_ALIASES = {
-  bank_account: "$electronic_fund_transfer",
-  electronic_fund_transfer: "$electronic_fund_transfer",
-  credit_card: "$credit_card",
-  crypto_currency: "$crypto_currency",
-  debit_card: "$debit_card",
-  digital_wallet: "$digital_wallet",
-  cash: "$cash",
-  check: "$check",
-  financing: "$financing",
-  gift_card: "$gift_card",
-  invoice: "$invoice",
-  in_app_purchase: "$in_app_purchase",
-  money_order: "$money_order",
-  points: "$points",
-  prepaid_card: "$prepaid_card",
-  store_credit: "$store_credit",
-  third_party_processor: "$third_party_processor",
-  voucher: "$voucher",
-  sepa_credit: "$sepa_credit",
-  sepa_instant_credit: "$sepa_instant_credit",
-  sepa_direct_debit: "$sepa_direct_debit",
-  ach_credit: "$ach_credit",
-  ach_debit: "$ach_debit",
-  wire_credit: "$wire_credit",
-  wire_debit: "$wire_debit"
-};
-var SIFT_PAYMENT_METHOD_WHITELIST = /* @__PURE__ */ new Set([
+var PAYMENT_METHOD_FIELD_WHITELIST = /* @__PURE__ */ new Set([
   "payment_type",
   "payment_gateway",
   "card_bin",
@@ -265,31 +210,18 @@ function isDevEnvironment() {
 function warnDeprecatedKey(key) {
   if (!isDevEnvironment()) return;
   const messages = {
-    account_number_last4: "[vesant-sdk/fraud] account_number_last4 is not a Sift field; use account_number_last5",
-    account_id: "[vesant-sdk/fraud] account_id is not a Sift field; moved to metadata",
-    wallet_address_last4: "[vesant-sdk/fraud] wallet_address_last4 is not a Sift field; moved to metadata",
-    crypto_currency: "[vesant-sdk/fraud] crypto_currency is not a Sift field on payment_method; moved to metadata",
-    network: "[vesant-sdk/fraud] network is not a Sift field on payment_method; moved to metadata"
+    account_number_last4: "[vesant-sdk/fraud] account_number_last4 is not a recognized field; use account_number_last5",
+    account_id: "[vesant-sdk/fraud] account_id is not a recognized field; moved to metadata",
+    wallet_address_last4: "[vesant-sdk/fraud] wallet_address_last4 is not a recognized field; moved to metadata",
+    crypto_currency: "[vesant-sdk/fraud] crypto_currency is not a recognized field on payment_method; moved to metadata",
+    network: "[vesant-sdk/fraud] network is not a recognized field on payment_method; moved to metadata"
   };
   const message = messages[key];
   if (message) {
     console.warn(message);
   }
 }
-function normalizeSiftPaymentType(value) {
-  if (value === void 0 || value === null) return void 0;
-  const trimmed = String(value).trim();
-  if (trimmed === "") return void 0;
-  const normalized = trimmed.startsWith("$") ? trimmed.slice(1) : trimmed;
-  const alias = PAYMENT_TYPE_ALIASES[normalized.toLowerCase()];
-  if (alias) return alias;
-  const withPrefix = `$${normalized}`;
-  if (SiftPaymentTypeValues.includes(withPrefix)) {
-    return withPrefix;
-  }
-  return void 0;
-}
-function toSiftAccountNumberLast5(value) {
+function toAccountNumberLast5(value) {
   if (value === void 0 || value === null) return void 0;
   const digits = String(value).replace(/\D/g, "");
   if (digits.length === 0) return void 0;
@@ -300,11 +232,11 @@ function collectMetadataExtra(metadataExtras, key, value) {
   if (value === void 0) return;
   metadataExtras[key] = value;
 }
-function normalizeSiftPaymentMethod(raw) {
+function normalizePaymentMethod(raw) {
   const metadataExtras = {};
   const method = {};
   const rawPaymentType = raw.payment_type !== void 0 ? String(raw.payment_type) : raw.$payment_type !== void 0 ? String(raw.$payment_type) : void 0;
-  const normalizedType = normalizeSiftPaymentType(rawPaymentType);
+  const normalizedType = normalizePaymentType(rawPaymentType);
   if (rawPaymentType !== void 0 && normalizedType === void 0) {
     return null;
   }
@@ -316,7 +248,7 @@ function normalizeSiftPaymentMethod(raw) {
   }
   const accountLast4 = raw.account_number_last4 ?? raw.$account_number_last4;
   const accountLast5 = raw.account_number_last5 ?? raw.$account_number_last5;
-  const resolvedLast5 = toSiftAccountNumberLast5(accountLast5 ?? accountLast4);
+  const resolvedLast5 = toAccountNumberLast5(accountLast5 ?? accountLast4);
   if (resolvedLast5 !== void 0) {
     method.account_number_last5 = resolvedLast5;
   }
@@ -327,13 +259,13 @@ function normalizeSiftPaymentMethod(raw) {
     const plainKey = key.startsWith("$") ? key.slice(1) : key;
     if (METADATA_STRIP_KEYS.has(plainKey)) {
       if (plainKey === "account_id") {
-        collectMetadataExtra(metadataExtras, "linkmoney_account_id", String(value));
+        collectMetadataExtra(metadataExtras, "payment_method_account_id", String(value));
       } else {
         collectMetadataExtra(metadataExtras, plainKey, value);
       }
       continue;
     }
-    if (!SIFT_PAYMENT_METHOD_WHITELIST.has(plainKey)) {
+    if (!PAYMENT_METHOD_FIELD_WHITELIST.has(plainKey)) {
       collectMetadataExtra(metadataExtras, `payment_method_${plainKey}`, value);
       continue;
     }
@@ -349,29 +281,29 @@ function normalizeSiftPaymentMethod(raw) {
   };
 }
 function mergeAccountIds(target, accountId) {
-  const existing = target.linkmoney_account_ids;
+  const existing = target.payment_method_account_ids;
   if (Array.isArray(existing)) {
     existing.push(accountId);
     return;
   }
-  if (typeof target.linkmoney_account_id === "string") {
-    target.linkmoney_account_ids = [target.linkmoney_account_id, accountId];
-    delete target.linkmoney_account_id;
+  if (typeof target.payment_method_account_id === "string") {
+    target.payment_method_account_ids = [target.payment_method_account_id, accountId];
+    delete target.payment_method_account_id;
     return;
   }
-  target.linkmoney_account_id = accountId;
+  target.payment_method_account_id = accountId;
 }
-function normalizeSiftPaymentMethods(methods) {
+function normalizePaymentMethods(methods) {
   if (methods === void 0) return {};
   const normalized = [];
   const metadata = {};
   for (const raw of methods) {
-    const result = normalizeSiftPaymentMethod(raw);
+    const result = normalizePaymentMethod(raw);
     if (result === null) continue;
     normalized.push(result.method);
     if (result.metadataExtras) {
       for (const [key, value] of Object.entries(result.metadataExtras)) {
-        if (key === "linkmoney_account_id" && typeof value === "string") {
+        if (key === "payment_method_account_id" && typeof value === "string") {
           mergeAccountIds(metadata, value);
         } else if (key in metadata && Array.isArray(metadata[key]) && Array.isArray(value)) {
           metadata[key] = [...metadata[key], ...value];
@@ -388,21 +320,21 @@ function normalizeSiftPaymentMethods(methods) {
   };
 }
 
-// src/normalization/sift-keys.ts
-function siftKey(key) {
+// src/normalization/reserved-keys.ts
+function reservedKey(key) {
   return key.startsWith("$") ? key : `$${key}`;
 }
-function toSiftKeyedObject(value) {
+function toReservedKeyedObject(value) {
   if (value === null || value === void 0) {
     return value;
   }
   if (Array.isArray(value)) {
-    return value.map((item) => toSiftKeyedObject(item));
+    return value.map((item) => toReservedKeyedObject(item));
   }
   if (typeof value === "object") {
     const out = {};
     for (const [key, nested] of Object.entries(value)) {
-      out[siftKey(key)] = toSiftKeyedObject(nested);
+      out[reservedKey(key)] = toReservedKeyedObject(nested);
     }
     return out;
   }
@@ -410,12 +342,13 @@ function toSiftKeyedObject(value) {
 }
 
 // src/normalization/normalize.ts
-var BASE_SIFT_FIELD_KEYS = [
+var WIRE_USER_REFERENCE_KEY = "sift_user_id";
+var BASE_RESERVED_FIELD_KEYS = [
   "session_id",
   "user_email",
   "name",
   "phone",
-  "sift_payment_method",
+  "payment_method_details",
   "payment_methods",
   "billing_address",
   "shipping_address",
@@ -450,9 +383,9 @@ function createStrippedBody(rest, metadata, stripKeys) {
     stripKeys
   );
 }
-function applySiftMetadata(body, metadata, siftMetadata, onlyWhenNonEmpty = false) {
-  if (!onlyWhenNonEmpty || Object.keys(siftMetadata).length > 0) {
-    body.metadata = mergeMetadata(metadata, siftMetadata);
+function applyReservedMetadata(body, metadata, reservedMetadata, onlyWhenNonEmpty = false) {
+  if (!onlyWhenNonEmpty || Object.keys(reservedMetadata).length > 0) {
+    body.metadata = mergeMetadata(metadata, reservedMetadata);
   }
   return body;
 }
@@ -466,14 +399,14 @@ function collectRuleSignals(request, keys) {
   }
   return signals;
 }
-function buildBaseSiftMetadata(body) {
+function buildBaseReservedMetadata(body) {
   const {
     event_type,
     session_id,
     user_email,
     name,
     phone,
-    sift_payment_method,
+    payment_method_details,
     payment_methods,
     billing_address,
     shipping_address,
@@ -495,83 +428,90 @@ function buildBaseSiftMetadata(body) {
     metadata,
     skip_payment_method_normalization
   } = body;
-  const siftMetadata = {
+  const reservedMetadata = {
     ...metadata ?? {}
   };
-  if (session_id !== void 0) siftMetadata.$session_id = session_id;
-  if (user_email !== void 0) siftMetadata.$user_email = user_email;
-  if (name !== void 0) siftMetadata.$name = name;
-  if (phone !== void 0) siftMetadata.$phone = phone;
-  if (sift_payment_method !== void 0) {
+  if (session_id !== void 0) reservedMetadata.$session_id = session_id;
+  if (user_email !== void 0) reservedMetadata.$user_email = user_email;
+  if (name !== void 0) reservedMetadata.$name = name;
+  if (phone !== void 0) reservedMetadata.$phone = phone;
+  if (payment_method_details !== void 0) {
     if (skip_payment_method_normalization) {
-      siftMetadata.$payment_method = toSiftKeyedObject(sift_payment_method);
+      reservedMetadata.$payment_method = toReservedKeyedObject(payment_method_details);
     } else {
-      const result = normalizeSiftPaymentMethod(
-        sift_payment_method
+      const result = normalizePaymentMethod(
+        payment_method_details
       );
       if (result !== null) {
-        siftMetadata.$payment_method = toSiftKeyedObject(result.method);
+        reservedMetadata.$payment_method = toReservedKeyedObject(result.method);
         if (result.metadataExtras) {
-          Object.assign(siftMetadata, result.metadataExtras);
+          Object.assign(reservedMetadata, result.metadataExtras);
         }
       }
     }
   }
   if (payment_methods !== void 0) {
     if (skip_payment_method_normalization) {
-      siftMetadata.$payment_methods = toSiftKeyedObject(payment_methods);
+      reservedMetadata.$payment_methods = toReservedKeyedObject(payment_methods);
     } else {
-      const { payment_methods: normalized, metadata: pmMetadata } = normalizeSiftPaymentMethods(
+      const { payment_methods: normalized, metadata: pmMetadata } = normalizePaymentMethods(
         payment_methods
       );
       if (normalized !== void 0) {
-        siftMetadata.$payment_methods = toSiftKeyedObject(normalized);
+        reservedMetadata.$payment_methods = toReservedKeyedObject(normalized);
       }
       if (pmMetadata) {
-        Object.assign(siftMetadata, pmMetadata);
+        Object.assign(reservedMetadata, pmMetadata);
       }
     }
   }
   if (billing_address !== void 0) {
-    siftMetadata.$billing_address = toSiftKeyedObject(billing_address);
+    reservedMetadata.$billing_address = toReservedKeyedObject(billing_address);
   }
   if (shipping_address !== void 0) {
-    siftMetadata.$shipping_address = toSiftKeyedObject(shipping_address);
+    reservedMetadata.$shipping_address = toReservedKeyedObject(shipping_address);
   }
-  if (app !== void 0) siftMetadata.$app = toSiftKeyedObject(app);
+  if (app !== void 0) reservedMetadata.$app = toReservedKeyedObject(app);
   if (browser !== void 0) {
-    siftMetadata.$browser = toSiftKeyedObject(browser);
+    reservedMetadata.$browser = toReservedKeyedObject(browser);
   }
   if (event_type === "$create_order" || event_type === "$update_account") {
     if (verification_phone_number !== void 0) {
-      siftMetadata.$verification_phone_number = verification_phone_number;
+      reservedMetadata.$verification_phone_number = verification_phone_number;
     }
   }
   if (event_type === "$create_order") {
-    if (order_id !== void 0) siftMetadata.$order_id = order_id;
-    if (amount !== void 0) siftMetadata.$amount = amount;
-    if (currency_code !== void 0) siftMetadata.$currency_code = currency_code;
+    if (order_id !== void 0) reservedMetadata.$order_id = order_id;
+    if (amount !== void 0) reservedMetadata.$amount = amount;
+    if (currency_code !== void 0) reservedMetadata.$currency_code = currency_code;
     if (exchange_rate !== void 0) {
-      siftMetadata.$exchange_rate = toSiftKeyedObject(exchange_rate);
+      reservedMetadata.$exchange_rate = toReservedKeyedObject(exchange_rate);
     }
-    if (expedited_shipping !== void 0) siftMetadata.$expedited_shipping = expedited_shipping;
-    if (shipping_method !== void 0) siftMetadata.$shipping_method = shipping_method;
-    if (shipping_carrier !== void 0) siftMetadata.$shipping_carrier = shipping_carrier;
+    if (expedited_shipping !== void 0) reservedMetadata.$expedited_shipping = expedited_shipping;
+    if (shipping_method !== void 0) reservedMetadata.$shipping_method = shipping_method;
+    if (shipping_carrier !== void 0) reservedMetadata.$shipping_carrier = shipping_carrier;
     if (shipping_tracking_numbers !== void 0) {
-      siftMetadata.$shipping_tracking_numbers = shipping_tracking_numbers;
+      reservedMetadata.$shipping_tracking_numbers = shipping_tracking_numbers;
     }
-    if (brand_name !== void 0) siftMetadata.$brand_name = brand_name;
-    if (site_country !== void 0) siftMetadata.$site_country = site_country;
-    if (site_domain !== void 0) siftMetadata.$site_domain = site_domain;
-    if (ip !== void 0) siftMetadata.$ip = ip;
+    if (brand_name !== void 0) reservedMetadata.$brand_name = brand_name;
+    if (site_country !== void 0) reservedMetadata.$site_country = site_country;
+    if (site_domain !== void 0) reservedMetadata.$site_domain = site_domain;
+    if (ip !== void 0) reservedMetadata.$ip = ip;
   }
-  return siftMetadata;
+  return reservedMetadata;
 }
-function normalizeBaseSiftFields(body) {
-  const siftMetadata = buildBaseSiftMetadata(body);
-  const stripped = stripSdkOnlyFields(body, [...BASE_SIFT_FIELD_KEYS]);
-  if (Object.keys(siftMetadata).length > 0) {
-    stripped.metadata = siftMetadata;
+function normalizeBaseReservedFields(body) {
+  const reservedMetadata = buildBaseReservedMetadata(body);
+  if (typeof reservedMetadata.payment_method === "string") {
+    reservedMetadata.payment_method = normalizePaymentType(reservedMetadata.payment_method) ?? reservedMetadata.payment_method;
+  }
+  const stripped = stripSdkOnlyFields(body, [...BASE_RESERVED_FIELD_KEYS]);
+  if ("user_reference" in stripped) {
+    stripped[WIRE_USER_REFERENCE_KEY] = stripped.user_reference;
+    delete stripped.user_reference;
+  }
+  if (Object.keys(reservedMetadata).length > 0) {
+    stripped.metadata = reservedMetadata;
   }
   return stripped;
 }
@@ -592,12 +532,12 @@ function normalizeUpdatePassword(request) {
     "password_reason",
     "password_status"
   ]);
-  const siftMetadata = {
+  const reservedMetadata = {
     $reason: password_reason ?? PasswordUpdateReason.UserUpdate,
     $status: password_status ?? PasswordUpdateStatus.Success
   };
-  body = applySiftMetadata(body, metadata, siftMetadata);
-  return normalizeBaseSiftFields(body);
+  body = applyReservedMetadata(body, metadata, reservedMetadata);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeWager(request) {
   const { wager_type, wager_status, wager_event_type, wager_event_name, wager_event_id, metadata, ...rest } = request;
@@ -608,15 +548,15 @@ function normalizeWager(request) {
     "wager_event_name",
     "wager_event_id"
   ]);
-  const siftMetadata = {
+  const reservedMetadata = {
     $wager_type: wager_type,
     $wager_status: wager_status
   };
-  if (wager_event_type) siftMetadata.$wager_event_type = wager_event_type;
-  if (wager_event_name) siftMetadata.$wager_event_name = wager_event_name;
-  if (wager_event_id) siftMetadata.$wager_event_id = wager_event_id;
-  body = applySiftMetadata(body, metadata, siftMetadata);
-  return normalizeBaseSiftFields(body);
+  if (wager_event_type) reservedMetadata.$wager_event_type = wager_event_type;
+  if (wager_event_name) reservedMetadata.$wager_event_name = wager_event_name;
+  if (wager_event_id) reservedMetadata.$wager_event_id = wager_event_id;
+  body = applyReservedMetadata(body, metadata, reservedMetadata);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeLogin(request) {
   const { login_status, login_failure_reason, metadata, ...rest } = request;
@@ -626,20 +566,20 @@ function normalizeLogin(request) {
     "login_failure_reason",
     ...LOGIN_RULE_SIGNAL_KEYS
   ]);
-  const siftMetadata = {
+  const reservedMetadata = {
     $login_status: effectiveStatus
   };
   if (effectiveStatus === LoginStatus.Failure && login_failure_reason) {
-    siftMetadata.$failure_reason = login_failure_reason;
+    reservedMetadata.$failure_reason = login_failure_reason;
   }
-  body = applySiftMetadata(body, metadata, siftMetadata);
+  body = applyReservedMetadata(body, metadata, reservedMetadata);
   body = applyRuleSignals(
     body,
     request,
     LOGIN_RULE_SIGNAL_KEYS,
     []
   );
-  return normalizeBaseSiftFields(body);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeTransaction(request) {
   const { transaction_status, decline_category, transfer_recipient_user_id, metadata, ...rest } = request;
@@ -649,20 +589,20 @@ function normalizeTransaction(request) {
     "transfer_recipient_user_id",
     ...TRANSACTION_RULE_SIGNAL_KEYS
   ]);
-  const siftMetadata = {};
-  if (transaction_status) siftMetadata.$transaction_status = transaction_status;
-  if (decline_category) siftMetadata.$decline_category = decline_category;
+  const reservedMetadata = {};
+  if (transaction_status) reservedMetadata.$transaction_status = transaction_status;
+  if (decline_category) reservedMetadata.$decline_category = decline_category;
   if (transfer_recipient_user_id) {
-    siftMetadata.$transfer_recipient_user_id = transfer_recipient_user_id;
+    reservedMetadata.$transfer_recipient_user_id = transfer_recipient_user_id;
   }
-  body = applySiftMetadata(body, metadata, siftMetadata, true);
+  body = applyReservedMetadata(body, metadata, reservedMetadata, true);
   body = applyRuleSignals(
     body,
     request,
     TRANSACTION_RULE_SIGNAL_KEYS,
     []
   );
-  return normalizeBaseSiftFields(body);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeUpdateAccount(request) {
   const { metadata, ...rest } = request;
@@ -675,7 +615,7 @@ function normalizeUpdateAccount(request) {
     UPDATE_ACCOUNT_RULE_SIGNAL_KEYS,
     []
   );
-  return normalizeBaseSiftFields(body);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeCreateOrder(request) {
   const { amount, currency_code, metadata, ...rest } = request;
@@ -683,15 +623,15 @@ function normalizeCreateOrder(request) {
     "amount",
     "currency_code"
   ]);
-  const siftMetadata = {
+  const reservedMetadata = {
     $amount: amount,
     $currency_code: currency_code
   };
-  body = applySiftMetadata(body, metadata, siftMetadata);
-  return normalizeBaseSiftFields(body);
+  body = applyReservedMetadata(body, metadata, reservedMetadata);
+  return normalizeBaseReservedFields(body);
 }
 function normalizeDefault(request) {
-  return normalizeBaseSiftFields({ ...request });
+  return normalizeBaseReservedFields({ ...request });
 }
 function normalizeScoreRequestForApi(request) {
   switch (request.event_type) {
@@ -749,12 +689,12 @@ function isSupportedFraudEventType(eventType) {
 }
 
 // src/types/metadata.ts
-var TYPED_SIFT_METADATA_KEYS = {
+var TYPED_METADATA_KEYS = {
   session_id: "$session_id",
   user_email: "$user_email",
   name: "$name",
   phone: "$phone",
-  sift_payment_method: "$payment_method",
+  payment_method_details: "$payment_method",
   billing_address: "$billing_address",
   payment_methods: "$payment_methods",
   app: "$app",
@@ -773,7 +713,7 @@ var TYPED_SIFT_METADATA_KEYS = {
   ip: "$ip"
 };
 function findMetadataConflictWithTypedFields(metadata, request) {
-  for (const [field, metaKey] of Object.entries(TYPED_SIFT_METADATA_KEYS)) {
+  for (const [field, metaKey] of Object.entries(TYPED_METADATA_KEYS)) {
     if (request[field] !== void 0 && metadata[metaKey] !== void 0) {
       return metaKey;
     }
@@ -828,44 +768,56 @@ function validatePaymentMethods(request, errors, prefix) {
     if (skipNormalization) {
       for (const key of Object.keys(raw)) {
         const plainKey = key.startsWith("$") ? key.slice(1) : key;
-        if (!SIFT_PAYMENT_METHOD_WHITELIST.has(plainKey)) {
+        if (!PAYMENT_METHOD_FIELD_WHITELIST.has(plainKey)) {
           errors.push(
-            `${prefix}payment_methods[${index}].${plainKey} is not a valid Sift payment method field`
+            `${prefix}payment_methods[${index}].${plainKey} is not a recognized payment method field`
           );
         }
       }
       const rawType2 = raw.payment_type !== void 0 ? String(raw.payment_type) : void 0;
-      if (rawType2 !== void 0 && normalizeSiftPaymentType(rawType2) === void 0) {
+      if (rawType2 !== void 0 && normalizePaymentType(rawType2) === void 0) {
         errors.push(
-          `${prefix}payment_methods[${index}].payment_type is not a valid Sift payment type`
+          `${prefix}payment_methods[${index}].payment_type is not a recognized payment type`
         );
       }
       return;
     }
     const rawType = raw.payment_type !== void 0 ? String(raw.payment_type) : raw.$payment_type !== void 0 ? String(raw.$payment_type) : void 0;
     if (rawType !== void 0) {
-      const result = normalizeSiftPaymentMethod(raw);
+      const result = normalizePaymentMethod(raw);
       if (result === null) {
         errors.push(
-          `${prefix}payment_methods[${index}].payment_type is not a valid Sift payment type`
+          `${prefix}payment_methods[${index}].payment_type is not a recognized payment type`
         );
       }
     }
   });
 }
+function validatePaymentMethodSignal(value, field, errors, prefix) {
+  if (value === void 0) return;
+  if (typeof value !== "string" || normalizePaymentType(value) === void 0) {
+    errors.push(`${prefix}${field} is not a recognized payment type`);
+  }
+}
 function validateBase(request, errors, prefix) {
   assertNonEmpty(request.customer_id, "customer_id", errors, prefix);
-  assertNonEmpty(request.sift_user_id, "sift_user_id", errors, prefix);
+  assertNonEmpty(request.user_reference, "user_reference", errors, prefix);
   assertNonEmpty(request.event_type, "event_type", errors, prefix);
   validateMetadata(request.metadata, request, errors, prefix);
+  validatePaymentMethodSignal(
+    request.metadata?.payment_method,
+    "metadata.payment_method",
+    errors,
+    prefix
+  );
 }
 function validateLogin(request, errors, prefix) {
-  assertEnum(request.login_status, SiftLoginStatusValues, "login_status", errors, prefix);
+  assertEnum(request.login_status, LoginStatusValues, "login_status", errors, prefix);
   if (request.login_failure_reason !== void 0) {
     if (request.login_status === "$failure") {
       assertEnum(
         request.login_failure_reason,
-        SiftLoginFailureReasonValues,
+        LoginFailureReasonValues,
         "login_failure_reason",
         errors,
         prefix
@@ -878,14 +830,14 @@ function validateLogin(request, errors, prefix) {
 function validateUpdatePassword(request, errors, prefix) {
   assertEnum(
     request.password_reason,
-    SiftPasswordUpdateReasonValues,
+    PasswordUpdateReasonValues,
     "password_reason",
     errors,
     prefix
   );
   assertEnum(
     request.password_status,
-    SiftPasswordUpdateStatusValues,
+    PasswordUpdateStatusValues,
     "password_status",
     errors,
     prefix
@@ -894,14 +846,15 @@ function validateUpdatePassword(request, errors, prefix) {
 function validateTransaction(request, errors, prefix) {
   assertPositiveAmount(request.amount, "amount", errors, prefix);
   assertNonEmpty(request.currency, "currency", errors, prefix);
-  assertEnum(request.transaction_type, SiftTransactionTypeValues, "transaction_type", errors, prefix);
+  assertEnum(request.transaction_type, TransactionTypeValues, "transaction_type", errors, prefix);
   assertEnum(
     request.transaction_status,
-    SiftTransactionStatusValues,
+    TransactionStatusValues,
     "transaction_status",
     errors,
     prefix
   );
+  validatePaymentMethodSignal(request.payment_method, "payment_method", errors, prefix);
   if (request.decline_category !== void 0 && request.transaction_status !== "$failure") {
     errors.push(
       `${prefix}decline_category is only allowed when transaction_status is '$failure'`
@@ -916,7 +869,7 @@ function validateTransaction(request, errors, prefix) {
 function validateWager(request, errors, prefix) {
   assertNonEmpty(request.transaction_id, "transaction_id", errors, prefix);
   assertNonEmpty(request.wager_type, "wager_type", errors, prefix);
-  assertEnum(request.wager_status, SiftWagerStatusValues, "wager_status", errors, prefix);
+  assertEnum(request.wager_status, WagerStatusValues, "wager_status", errors, prefix);
   if (!request.wager_status) {
     errors.push(`${prefix}wager_status is required`);
   }
@@ -951,10 +904,10 @@ function validateChargeback(request, errors, prefix) {
   if (!hasTransactionId && !hasOrderId) {
     errors.push(`${prefix}transaction_id or order_id is required`);
   }
-  assertEnum(request.chargeback_state, SiftChargebackStateValues, "chargeback_state", errors, prefix);
+  assertEnum(request.chargeback_state, ChargebackStateValues, "chargeback_state", errors, prefix);
   assertEnum(
     request.chargeback_reason,
-    SiftChargebackReasonValues,
+    ChargebackReasonValues,
     "chargeback_reason",
     errors,
     prefix
@@ -1060,6 +1013,6 @@ function isFraudAlertCallbackEvent(value) {
   return typeof value === "object" && value !== null && value.event_type === "fraud.alert.callback";
 }
 
-export { CHARGEBACK_FRAUD_EVENT_TYPE, ChargebackReason, ChargebackState, FraudClient, LOGIN_RULE_SIGNAL_KEYS, LoginStatus, PLANNED_FRAUD_EVENT_TYPES, PasswordUpdateReason, PasswordUpdateStatus, PaymentType, SCORED_FRAUD_EVENT_TYPES, SUPPORTED_FRAUD_EVENT_TYPES, SiftChargebackReasonValues, SiftChargebackStateValues, SiftLoginFailureReasonValues, SiftLoginStatusValues, SiftPasswordUpdateReasonValues, SiftPasswordUpdateStatusValues, SiftPaymentTypeValues, SiftTransactionStatusValues, SiftTransactionTypeValues, SiftWagerStatusValues, SiftWalletTypeValues, TRANSACTION_RULE_SIGNAL_KEYS, TYPED_SIFT_METADATA_KEYS, TransactionStatus, TransactionType, UPDATE_ACCOUNT_RULE_SIGNAL_KEYS, WagerStatus, WalletType, buildScoreRequestPreview, findMetadataConflictWithTypedFields, isFraudAlertCallbackEvent, isPlannedFraudEventType, isSupportedFraudEventType, normalizeScoreRequestForApi, normalizeSiftPaymentMethod, normalizeSiftPaymentMethods, normalizeSiftPaymentType, toSiftAccountNumberLast5, validateScoreRequest };
+export { CHARGEBACK_FRAUD_EVENT_TYPE, ChargebackReason, ChargebackReasonValues, ChargebackState, ChargebackStateValues, FraudClient, LOGIN_RULE_SIGNAL_KEYS, LoginFailureReasonValues, LoginStatus, LoginStatusValues, PLANNED_FRAUD_EVENT_TYPES, PasswordUpdateReason, PasswordUpdateReasonValues, PasswordUpdateStatus, PasswordUpdateStatusValues, PaymentType, PaymentTypeValues, SCORED_FRAUD_EVENT_TYPES, SUPPORTED_FRAUD_EVENT_TYPES, TRANSACTION_RULE_SIGNAL_KEYS, TYPED_METADATA_KEYS, TransactionStatus, TransactionStatusValues, TransactionType, TransactionTypeValues, UPDATE_ACCOUNT_RULE_SIGNAL_KEYS, WagerStatus, WagerStatusValues, WalletType, WalletTypeValues, buildScoreRequestPreview, findMetadataConflictWithTypedFields, isFraudAlertCallbackEvent, isPlannedFraudEventType, isSupportedFraudEventType, normalizePaymentMethod, normalizePaymentMethods, normalizeScoreRequestForApi, toAccountNumberLast5, validateScoreRequest };
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