create-brainerce-store 1.83.0 → 1.84.0

package/templates/nextjs/base/src/components/checkout/payment-step.tsx

@@ -1,761 +1,776 @@
-'use client';
-
-import { useEffect, useState, useRef, useCallback, type CSSProperties } from 'react';
-import type { PaymentIntent, PaymentClientSdk } from 'brainerce';
-import { formatPrice } from 'brainerce';
-import { BrainerceError } from 'brainerce';
-import { getClient } from '@/core/lib/brainerce';
-import { useTranslations } from '@/core/lib/translations';
-import { LoadingSpinner } from '@/ui/shared/loading-spinner';
-import { useStoreInfo } from '@/core/providers/store-provider';
-import { cn } from '@/core/lib/utils';
-import { isAllowedPaymentUrl, isValidCheckoutId, safePaymentRedirect } from '@/core/lib/safe-redirect';
-
-/**
- * Backward-compat defaults when backend doesn't return clientSdk.
- */
-const LEGACY_GROW_SDK: PaymentClientSdk = {
-  renderType: 'sdk-widget',
-  scriptUrl: 'https://cdn.meshulam.co.il/sdk/gs.min.js',
-  globalName: 'growPayment',
-  initMethod: 'init',
-  renderMethod: 'renderPaymentOptions',
-  containerId: 'grow-payment-container',
-  initConfig: { version: 1, environment: 'DEV' },
-  additionalScripts: [
-    { url: 'https://meshulam.co.il/_media/js/apple_pay_sdk/sdk.min.js', optional: true },
-  ],
-  bodyStyles:
-    '[id*="Gr0W8-"],[id*="Gr0W8-"] *,[class*="Gr0W8-"],[class*="Gr0W8-"] *{direction:ltr !important;text-align:left}',
-};
-
-interface PaymentStepProps {
-  checkoutId: string;
-  className?: string;
-}
-
-function resolveClientSdk(
-  intent: PaymentIntent | null,
-  preloadedSdk?: PaymentClientSdk | null
-): PaymentClientSdk {
-  // Runtime SDK (returned by the payment app in the intent) wins over the
-  // preloaded manifest SDK. This lets a provider return a different renderType
-  // per-installation (e.g. Cardcom returning 'embedded-fields' when the
-  // merchant opts in, while the manifest default stays 'iframe').
-  const fullSdk = [intent?.clientSdk, preloadedSdk].find((s) => s?.renderType);
-  const runtimeSdk = intent?.clientSdk;
-  if (fullSdk) {
-    if (!runtimeSdk || runtimeSdk === fullSdk) return fullSdk;
-    return {
-      ...fullSdk,
-      ...(runtimeSdk.renderArg ? { renderArg: runtimeSdk.renderArg } : {}),
-      ...(runtimeSdk.initConfig
-        ? { initConfig: { ...fullSdk.initConfig, ...runtimeSdk.initConfig } }
-        : {}),
-    };
-  }
-  const legacy = intent?.provider === 'grow' ? LEGACY_GROW_SDK : null;
-  if (legacy && runtimeSdk) {
-    return {
-      ...legacy,
-      ...(runtimeSdk.renderArg ? { renderArg: runtimeSdk.renderArg } : {}),
-      ...(runtimeSdk.initConfig
-        ? { initConfig: { ...legacy.initConfig, ...runtimeSdk.initConfig } }
-        : {}),
-    };
-  }
-  if (legacy) return legacy;
-  return { renderType: 'redirect' };
-}
-
-function extractMessage(response: unknown): string {
-  if (typeof response === 'string') return response;
-  return (response as { message?: string })?.message || '';
-}
-
-export function PaymentStep({ checkoutId, className }: PaymentStepProps) {
-  const t = useTranslations('checkout');
-  const { storeInfo } = useStoreInfo();
-
-  const [paymentIntent, setPaymentIntent] = useState<PaymentIntent | null>(null);
-
-  // The provider's payment URL. `clientSdk.renderArg` is the URL; `clientSecret`
-  // is only a fallback for providers that duplicate it there. Reading
-  // clientSecret alone breaks providers that return a real identifier (MAX,
-  // Takbull) — the iframe/link silently points at an id instead of a page.
-  const paymentIntentUrl =
-    paymentIntent?.clientSdk?.renderArg || paymentIntent?.clientSecret || '';
-  const [preloadedSdk, setPreloadedSdk] = useState<PaymentClientSdk | null>(null);
-  const [loading, setLoading] = useState(true);
-  const [error, setError] = useState<string | null>(null);
-  const [sdkReady, setSdkReady] = useState(false);
-  // Set by the Cardcom OpenFields embed page via `brainerce:resize` postMessage.
-  // Presence of this value is how we distinguish our own compact embed page
-  // from a provider's hosted page — used to narrow the modal + auto-size the
-  // iframe instead of reserving the tall LowProfile footprint.
-  const [embeddedIframeHeight, setEmbeddedIframeHeight] = useState<number | null>(null);
-  const walletOpenRef = useRef(false);
-  const initialized = useRef(false);
-
-  // Stable refs for SDK event callbacks (avoids stale closures in onload)
-  const cbRef = useRef({
-    onSuccess: (_r: unknown) => {},
-    onFailure: (_r: unknown) => {},
-    onError: (_r: unknown) => {},
-    onTimeout: () => {},
-    onWalletChange: (_s: string) => {},
-    retryRender: () => {},
-  });
-
-  const handleSuccess = useCallback(
-    async (response: unknown) => {
-      console.info('Payment SDK success:', JSON.stringify(response));
-      try {
-        const client = getClient();
-        const resp = response as Record<string, unknown>;
-        const data = (resp?.data && typeof resp.data === 'object' ? resp.data : resp) as
-          | Record<string, unknown>
-          | undefined;
-        await client.confirmSdkPayment(checkoutId, data || undefined);
-      } catch (err) {
-        console.warn('Failed to confirm payment with backend:', err);
-      }
-      window.location.href = `/order-confirmation?checkout_id=${checkoutId}`;
-    },
-    [checkoutId]
-  );
-
-  cbRef.current = {
-    onSuccess: handleSuccess,
-    onFailure: (response: unknown) => {
-      console.error('Payment SDK failure:', response);
-      setError(extractMessage(response) || t('paymentError'));
-    },
-    onError: (response: unknown) => {
-      const TRANSIENT = [
-        'Wallet not initialized',
-        "SDK was not loaded as needed and therefore can't run",
-      ];
-      const msg = extractMessage(response);
-      if (TRANSIENT.some((e) => msg.includes(e))) {
-        console.info('Payment SDK: transient error, retrying render in 1s:', msg);
-        setTimeout(() => cbRef.current.retryRender(), 1000);
-        return;
-      }
-      console.error('Payment SDK error:', response);
-      setError(msg || t('paymentError'));
-    },
-    onTimeout: () => {
-      console.warn('Payment SDK: wallet timed out');
-      setError(t('paymentTimedOut'));
-    },
-    onWalletChange: (state: string) => {
-      console.info('Payment SDK wallet state:', state);
-      if (state === 'open') {
-        walletOpenRef.current = true;
-        setSdkReady(true);
-      }
-      if (state === 'close') setSdkReady(false);
-    },
-    retryRender: () => {},
-  };
-
-  // =========================================================================
-  // MAIN EFFECT — Follows Grow SDK docs exactly:
-  //
-  // Step 1: Load gs.min.js (insertBefore, as docs show)
-  // Step 2: s.onload → growPayment.init({ environment, version, events })
-  //         This triggers the SDK to load mp.min.js → CSS, HTML, params, services
-  // Step 3: createPaymentIntent (starts wallet timer — should be AFTER init)
-  // Step 4: growPayment.renderPaymentOptions(authCode)
-  //
-  // "call createPaymentProcess right before you need to render the wallet"
-  // =========================================================================
-  useEffect(() => {
-    // Defense in depth: the parent already validates checkoutId from URL
-    // params, but we re-check here so the component is safe to render in any
-    // context. Invalid id → no SDK loading, no API calls (error UI below).
-    if (!isValidCheckoutId(checkoutId)) return;
-    if (initialized.current) return;
-    initialized.current = true;
-
-    const client = getClient();
-    const iframeSuccessUrl = `${window.location.origin}/payment-complete?checkout_id=${checkoutId}`;
-    const iframeFailedUrl = `${window.location.origin}/payment-complete?checkout_id=${checkoutId}&failed=true`;
-    const redirectSuccessUrl = `${window.location.origin}/order-confirmation?checkout_id=${checkoutId}`;
-    const cancelUrl = `${window.location.origin}/checkout?checkout_id=${checkoutId}&canceled=true`;
-
-    let sdkInitDone = false;
-    let currentSdk: PaymentClientSdk | null = null;
-    const cleanups: (() => void)[] = [];
-
-    // --- Load SDK script exactly as Grow docs show ---
-    function loadScript(sdk: PaymentClientSdk) {
-      if (!sdk.scriptUrl || !sdk.globalName) return;
-
-      // Inject bodyStyles
-      if (sdk.bodyStyles && !document.querySelector('style[data-payment-sdk]')) {
-        const style = document.createElement('style');
-        style.setAttribute('data-payment-sdk', 'true');
-        style.textContent = sdk.bodyStyles;
-        document.head.appendChild(style);
-        cleanups.push(() => style.remove());
-      }
-
-      // Additional scripts (Apple Pay etc.) — fire and forget
-      if (sdk.additionalScripts) {
-        for (const extra of sdk.additionalScripts) {
-          if (document.querySelector(`script[src="${extra.url}"]`)) continue;
-          const s = document.createElement('script');
-          s.type = 'text/javascript';
-          s.async = true;
-          s.src = extra.url;
-          const ref = document.getElementsByTagName('script')[0];
-          if (ref?.parentNode) ref.parentNode.insertBefore(s, ref);
-          else document.head.appendChild(s);
-        }
-      }
-
-      // Already loaded? Init immediately
-      if ((window as any)[sdk.globalName]) {
-        initSdk(sdk);
-        return;
-      }
-
-      // Already loading (from a previous call)? Wait for it instead of duplicating
-      if (document.querySelector(`script[src="${sdk.scriptUrl}"]`)) {
-        const waitId = setInterval(() => {
-          if ((window as any)[sdk.globalName!]) {
-            clearInterval(waitId);
-            initSdk(sdk);
-          }
-        }, 100);
-        cleanups.push(() => clearInterval(waitId));
-        return;
-      }
-
-      // Load main SDK — insertBefore first <script> as Grow docs show
-      const s = document.createElement('script');
-      s.type = 'text/javascript';
-      s.async = true;
-      s.src = sdk.scriptUrl;
-      s.onload = () => initSdk(sdk); // init DIRECTLY in onload
-      s.onerror = () => {
-        console.error('Payment SDK: script load failed');
-        setError(t('failedToLoadPaymentSdk'));
-      };
-      const ref = document.getElementsByTagName('script')[0];
-      if (ref?.parentNode) ref.parentNode.insertBefore(s, ref);
-      else document.head.appendChild(s);
-    }
-
-    // --- Init: called in s.onload (as Grow docs require) ---
-    function initSdk(sdk: PaymentClientSdk) {
-      if (sdkInitDone) return; // Guard against double init
-
-      const global = (window as any)[sdk.globalName!];
-      if (!global) {
-        setError(t('failedToLoadPaymentSdk'));
-        return;
-      }
-
-      const method = sdk.initMethod || 'init';
-      const config = {
-        ...(sdk.initConfig || {}),
-        events: {
-          onSuccess: (r: unknown) => cbRef.current.onSuccess(r),
-          onFailure: (r: unknown) => cbRef.current.onFailure(r),
-          onError: (r: unknown) => cbRef.current.onError(r),
-          onTimeout: () => cbRef.current.onTimeout(),
-          onWalletChange: (s: string) => cbRef.current.onWalletChange(s),
-        },
-      };
-
-      console.info(`Payment SDK: calling ${method}()`);
-      global[method](config);
-      sdkInitDone = true;
-    }
-
-    // --- Render: call once, then safety-net retries if wallet doesn't open ---
-    // Grow SDK sometimes silently swallows renderPaymentOptions when its
-    // internal resources (mp.min.js etc.) aren't fully loaded yet.
-    // Strategy: render once, then retry up to 3 times with increasing delays
-    // (2s, 3s, 4s) if onWalletChange("open") hasn't fired.
-    let pendingRender: { sdk: PaymentClientSdk; intent: PaymentIntent } | null = null;
-    let renderAttempts = 0;
-    const MAX_RENDER_ATTEMPTS = 4;
-
-    function renderPayment(sdk: PaymentClientSdk, intent: PaymentIntent) {
-      const global = (window as any)[sdk.globalName!];
-      if (!global || walletOpenRef.current) return;
-
-      const renderMethod = sdk.renderMethod || 'renderPaymentOptions';
-      const renderArg = sdk.renderArg || intent.clientSecret;
-      renderAttempts++;
-
-      try {
-        global[renderMethod](renderArg);
-        console.info(`Payment SDK: renderPaymentOptions called (attempt ${renderAttempts})`);
-      } catch (err) {
-        console.info('Payment SDK: render threw, will retry in 1s');
-      }
-
-      // Safety net: if wallet doesn't open within a delay, retry
-      if (renderAttempts < MAX_RENDER_ATTEMPTS) {
-        const delay = 1000 + renderAttempts * 1000; // 2s, 3s, 4s
-        const retryId = setTimeout(() => {
-          if (!walletOpenRef.current) {
-            console.info(`Payment SDK: wallet not open after ${delay}ms, retrying render...`);
-            renderPayment(sdk, intent);
-          }
-        }, delay);
-        cleanups.push(() => clearTimeout(retryId));
-      }
-    }
-
-    function retryRender() {
-      if (pendingRender && !walletOpenRef.current) {
-        renderPayment(pendingRender.sdk, pendingRender.intent);
-      }
-    }
-
-    // =============================================
-    // Execution flow
-    // =============================================
-
-    // A) Get SDK config from providers (fast, no wallet timer)
-    const providerPromise = client
-      .getPaymentProviders()
-      .then((res) => {
-        const sdk = res.defaultProvider?.clientSdk;
-        if (sdk) setPreloadedSdk(sdk);
-        return sdk || null;
-      })
-      .catch(() => null);
-
-    // B) Load + init SDK as early as possible (skip for sandbox)
-    providerPromise.then((providerSdk) => {
-      if (providerSdk?.renderType === 'sandbox') return;
-      if (providerSdk?.renderType === 'sdk-widget' && providerSdk.scriptUrl) {
-        currentSdk = providerSdk;
-        loadScript(providerSdk);
-      }
-    });
-
-    // C) Create payment intent (starts wallet timer)
-    // Wait for provider info so we can choose the right success URL:
-    // iframe providers redirect inside the iframe to /payment-complete (postMessage),
-    // redirect providers go straight to /order-confirmation.
-    const intentPromise = providerPromise
-      .then((providerSdk) => {
-        const isIframe = providerSdk?.renderType === 'iframe';
-        const successUrl = isIframe ? iframeSuccessUrl : redirectSuccessUrl;
-        const failedUrl = isIframe ? iframeFailedUrl : cancelUrl;
-        return client.createPaymentIntent(checkoutId, {
-          successUrl,
-          cancelUrl: failedUrl,
-        });
-      })
-      .then((intent) => {
-        setPaymentIntent(intent);
-        return intent;
-      })
-      .catch((err) => {
-        // This is intent CREATION, before any card is entered, so a failure
-        // here is the merchant's configuration and never the shopper's card.
-        // The server said "Stripe account is not connected" and the storefront
-        // printed it verbatim: raw English on a Hebrew store, naming a provider
-        // to someone who could not install one if they wanted to. Declines come
-        // from the provider SDK on a different path and keep their own wording,
-        // which is the part a shopper can actually act on.
-        console.error('[checkout] could not start payment', err);
-        setError(t('paymentUnavailable'));
-        return null;
-      })
-      .finally(() => setLoading(false));
-
-    // D) When both ready: resolve final SDK config and render
-    Promise.all([providerPromise, intentPromise]).then(([providerSdk, intent]) => {
-      if (!intent) return;
-
-      const sdk = resolveClientSdk(intent, providerSdk);
-      currentSdk = sdk;
-
-      // Sandbox mode — no SDK to load, UI handles it
-      if (sdk.renderType === 'sandbox') return;
-
-      // The URL to send the customer to is `renderArg`; `clientSecret` is only
-      // a fallback for providers that duplicate the URL into it. Reading
-      // clientSecret first silently breaks any provider that puts a real
-      // identifier there (MAX, Takbull) — the host check rejects the id and the
-      // customer never reaches the payment page. Mirrors the sdk-widget branch
-      // above, which already prefers renderArg.
-      const paymentUrl = sdk.renderArg || intent.clientSecret;
-
-      if (sdk.renderType === 'redirect') {
-        if (!isAllowedPaymentUrl(paymentUrl)) {
-          setError(t('paymentRedirectBlocked'));
-          return;
-        }
-        safePaymentRedirect(paymentUrl);
-        return;
-      }
-
-      // Iframe mode: listen for postMessage from either:
-      //   (1) the same-origin /payment-complete callback page after a provider
-      //       redirect (legacy hosted-page flow), OR
-      //   (2) a Brainerce-hosted embed page on an allowlisted payment host
-      //       that wraps provider-specific logic (e.g. Cardcom OpenFields).
-      if (sdk.renderType === 'iframe') {
-        if (!isAllowedPaymentUrl(paymentUrl)) {
-          setError(t('paymentRedirectBlocked'));
-          return;
-        }
-        const iframeOrigin = (() => {
-          try {
-            return new URL(paymentUrl).origin;
-          } catch {
-            return '';
-          }
-        })();
-        const handleMessage = (event: MessageEvent) => {
-          const isSameOrigin = event.origin === window.location.origin;
-          const isTrustedIframe = iframeOrigin && event.origin === iframeOrigin;
-          if (!isSameOrigin && !isTrustedIframe) return;
-          if (event.data?.type === 'brainerce:resize') {
-            const h = Number((event.data as { height?: unknown }).height);
-            if (Number.isFinite(h) && h > 0 && h < 4000) setEmbeddedIframeHeight(h);
-            return;
-          }
-          // Embed page asking for a top-level redirect (e.g. Bit express-pay).
-          // We re-validate against the allowlist even though the URL comes
-          // from an already-trusted iframe — defense in depth.
-          if (event.data?.type === 'brainerce:redirect') {
-            const url = String((event.data as { url?: unknown }).url || '');
-            if (url) safePaymentRedirect(url);
-            return;
-          }
-          if (event.data?.type !== 'brainerce:payment-complete') return;
-
-          const params = event.data.data as Record<string, string> | undefined;
-          if (params?.failed === 'true') {
-            setError(t('paymentError'));
-            return;
-          }
-
-          // Map provider-specific params to normalized format for
-          // server-side verification (e.g. CardCom lowprofilecode → paymentIntentId)
-          const lowProfileCode = params?.lowprofilecode || params?.LowProfileCode;
-          const normalized: Record<string, unknown> = { ...params };
-          if (lowProfileCode) {
-            normalized.paymentIntentId = lowProfileCode;
-          }
-
-          // Trigger server-side verification + order creation
-          handleSuccess(normalized);
-        };
-        window.addEventListener('message', handleMessage);
-        cleanups.push(() => window.removeEventListener('message', handleMessage));
-        return;
-      }
-
-      if (sdk.renderType !== 'sdk-widget' || !sdk.globalName) return;
-
-      // Store for retryRender from onError callback
-      pendingRender = { sdk, intent };
-      cbRef.current.retryRender = retryRender;
-
-      // If SDK wasn't loaded from providers, load + init now
-      if (!sdkInitDone) {
-        loadScript(sdk);
-        // Wait for init to complete, then render once
-        const id = setInterval(() => {
-          if (sdkInitDone) {
-            clearInterval(id);
-            renderPayment(sdk, intent);
-          }
-        }, 100);
-        cleanups.push(() => clearInterval(id));
-        return;
-      }
-
-      // Re-init with final config if environment changed
-      if (sdk.initConfig?.environment && currentSdk) {
-        const global = (window as any)[sdk.globalName];
-        if (global) {
-          const method = sdk.initMethod || 'init';
-          global[method]({
-            ...(sdk.initConfig || {}),
-            events: {
-              onSuccess: (r: unknown) => cbRef.current.onSuccess(r),
-              onFailure: (r: unknown) => cbRef.current.onFailure(r),
-              onError: (r: unknown) => cbRef.current.onError(r),
-              onTimeout: () => cbRef.current.onTimeout(),
-              onWalletChange: (s: string) => cbRef.current.onWalletChange(s),
-            },
-          });
-        }
-      }
-
-      // SDK ready — render once
-      renderPayment(sdk, intent);
-    });
-
-    return () => cleanups.forEach((fn) => fn());
-  }, [checkoutId]);
-
-  // --- UI ---
-
-  // Invalid checkout id — render the error box instead of ever spinning.
-  // (Checked after the hooks above so hook order is stable across renders.)
-  if (!isValidCheckoutId(checkoutId)) {
-    return (
-      <div className={cn('border-destructive/50 rounded-md border p-4', className)}>
-        <p className="text-destructive text-sm">{t('paymentError')}</p>
-      </div>
-    );
-  }
-
-  if (loading) {
-    return (
-      <div className={cn('flex flex-col items-center justify-center py-12', className)}>
-        <LoadingSpinner size="lg" />
-        <p className="text-muted-foreground mt-4 text-sm">{t('preparingPayment')}</p>
-      </div>
-    );
-  }
-
-  if (error) {
-    const isNotConfigured =
-      error.toLowerCase().includes('not configured') ||
-      error.toLowerCase().includes('no payment') ||
-      error.toLowerCase().includes('provider');
-    return (
-      <div className={cn('py-12 text-center', className)}>
-        <svg
-          className="text-muted-foreground mx-auto mb-4 h-12 w-12"
-          fill="none"
-          viewBox="0 0 24 24"
-          stroke="currentColor"
-        >
-          <path
-            strokeLinecap="round"
-            strokeLinejoin="round"
-            strokeWidth={1.5}
-            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>
-        <h3 className="text-foreground mb-2 text-lg font-semibold">
-          {isNotConfigured ? t('paymentNotConfigured') : t('paymentError')}
-        </h3>
-        <p className="text-muted-foreground mx-auto max-w-md text-sm">
-          {isNotConfigured ? t('paymentNotConfiguredDesc') : error}
-        </p>
-      </div>
-    );
-  }
-
-  if (!paymentIntent) return null;
-
-  const sdk = resolveClientSdk(paymentIntent, preloadedSdk);
-
-  if (sdk.renderType === 'sandbox') {
-    const handleCompleteSandbox = async () => {
-      setLoading(true);
-      try {
-        const client = getClient();
-        await client.completeGuestCheckout(checkoutId);
-        window.location.href = `/order-confirmation?checkout_id=${checkoutId}`;
-      } catch (err) {
-        // Sandbox never declines, so there is nothing here a shopper can act on
-        // either.
-        console.error('[checkout] sandbox completion failed', err);
-        setError(t('paymentError'));
-        setLoading(false);
-      }
-    };
-
-    return (
-      <div className={cn('py-8 text-center', className)}>
-        <div className="mx-auto max-w-md rounded-lg border border-amber-200 bg-amber-50 p-6">
-          <svg
-            className="mx-auto mb-3 h-10 w-10 text-amber-500"
-            fill="none"
-            viewBox="0 0 24 24"
-            stroke="currentColor"
-          >
-            <path
-              strokeLinecap="round"
-              strokeLinejoin="round"
-              strokeWidth={1.5}
-              d="M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4.5c-.77-.833-2.694-.833-3.464 0L3.34 16.5c-.77.833.192 2.5 1.732 2.5z"
-            />
-          </svg>
-          <h3 className="text-foreground mb-1 text-lg font-semibold">{t('sandboxTitle')}</h3>
-          <p className="text-muted-foreground mb-4 text-sm">{t('sandboxDescription')}</p>
-          <button
-            onClick={handleCompleteSandbox}
-            className="inline-flex items-center rounded-md bg-amber-500 px-6 py-2.5 text-sm font-medium text-white transition-colors hover:bg-amber-600"
-          >
-            {t('completeTestOrder')}
-          </button>
-        </div>
-      </div>
-    );
-  }
-
-  if (sdk.renderType === 'sdk-widget') {
-    const containerId =
-      sdk.containerId || `${paymentIntent.provider || 'payment'}-payment-container`;
-    return (
-      <div className={cn('py-4', className)}>
-        {!sdkReady && (
-          <div className="flex flex-col items-center justify-center py-8">
-            <LoadingSpinner size="lg" />
-            <p className="text-muted-foreground mt-4 text-sm">{t('loadingPaymentOptions')}</p>
-          </div>
-        )}
-        <div id={containerId} />
-      </div>
-    );
-  }
-
-  if (sdk.renderType === 'iframe') {
-    if (!isAllowedPaymentUrl(paymentIntent.clientSecret)) return null;
-
-    // Detect Brainerce-hosted embed (path-based — works across localhost/
-    // staging/prod without a domain list) vs. a provider-hosted page. The
-    // embed page is already brand-styled and compact → render inline in the
-    // checkout flow. Provider-hosted pages carry their own branding/chrome →
-    // keep the modal overlay so they don't fight the checkout layout.
-    const iframeUrlObj = (() => {
-      try {
-        return new URL(paymentIntent.clientSecret);
-      } catch {
-        return null;
-      }
-    })();
-    const isBrainerceEmbed = iframeUrlObj?.pathname.includes('/embed/') ?? false;
-
-    if (isBrainerceEmbed) {
-      // Inline: default to a reasonable height until the embed posts its real
-      // height via `brainerce:resize`. Transition smooths the resize into the
-      // final measurement.
-      const hasMeasured = embeddedIframeHeight !== null;
-      const iframeStyle: CSSProperties = {
-        height: hasMeasured ? (embeddedIframeHeight as number) : 540,
-        transition: hasMeasured ? 'height 0.2s ease-out' : undefined,
-      };
-      return (
-        <div className={cn('w-full', className)}>
-          <iframe
-            src={paymentIntentUrl}
-            className="block w-full border-0"
-            style={iframeStyle}
-            title={t('payment')}
-            allow="payment"
-          />
-        </div>
-      );
-    }
-
-    // Provider-hosted page (e.g. Cardcom LowProfile with full merchant
-    // branding) — modal overlay keeps it visually contained.
-    const formattedAmount = formatPrice((Number(paymentIntent.amount) || 0) / 100, {
-      currency: paymentIntent.currency,
-    }) as string;
-    const iframeStyle: CSSProperties = { height: '90vh', minHeight: 700 };
-    return (
-      <>
-        {/* Modal overlay */}
-        <div className="fixed inset-0 z-50 flex items-start justify-center overflow-y-auto bg-black/50 py-6 backdrop-blur-sm">
-          <div className="bg-background relative mx-4 flex w-full max-w-4xl flex-col overflow-hidden rounded-2xl shadow-2xl">
-            {/* Header */}
-            <div className="border-border flex items-center justify-between gap-4 border-b px-5 py-4">
-              <div className="flex min-w-0 flex-col">
-                <span className="text-foreground truncate text-sm font-semibold">
-                  {storeInfo?.name}
-                </span>
-                <span className="text-muted-foreground text-xs">{t('payment')}</span>
-              </div>
-              <div className="flex items-baseline gap-1.5">
-                <span className="text-foreground text-lg font-bold tabular-nums">
-                  {formattedAmount}
-                </span>
-                <span className="text-muted-foreground text-xs uppercase">
-                  {paymentIntent.currency}
-                </span>
-              </div>
-              <button
-                onClick={() => {
-                  window.location.href = `/checkout?checkout_id=${checkoutId}&canceled=true`;
-                }}
-                className="text-muted-foreground hover:bg-secondary hover:text-foreground flex h-8 w-8 shrink-0 items-center justify-center rounded-full transition-colors"
-                aria-label="Close"
-              >
-                <svg
-                  width="14"
-                  height="14"
-                  viewBox="0 0 14 14"
-                  fill="none"
-                  stroke="currentColor"
-                  strokeWidth="2"
-                  strokeLinecap="round"
-                >
-                  <path d="M1 1l12 12M13 1L1 13" />
-                </svg>
-              </button>
-            </div>
-            {/* Iframe body */}
-            <iframe
-              src={paymentIntentUrl}
-              className="w-full border-0"
-              style={iframeStyle}
-              title={t('payment')}
-              allow="payment"
-            />
-            {/* Footer */}
-            <div className="border-border bg-secondary/30 text-muted-foreground flex items-center justify-center gap-2 border-t px-5 py-3 text-xs">
-              <svg
-                width="14"
-                height="14"
-                viewBox="0 0 24 24"
-                fill="none"
-                stroke="currentColor"
-                strokeWidth="2"
-                strokeLinecap="round"
-                strokeLinejoin="round"
-                aria-hidden="true"
-              >
-                <path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z" />
-                <path d="m9 12 2 2 4-4" />
-              </svg>
-              <span>
-                {t('securePayment')} · <span className="font-medium">Brainerce</span>
-              </span>
-            </div>
-          </div>
-        </div>
-        {/* Placeholder so the checkout layout doesn't collapse */}
-        <div className={cn('flex flex-col items-center justify-center py-12', className)}>
-          <LoadingSpinner size="lg" />
-          <p className="text-muted-foreground mt-4 text-sm">{t('preparingPayment')}</p>
-        </div>
-      </>
-    );
-  }
-
-  return (
-    <div className={cn('flex flex-col items-center justify-center py-12', className)}>
-      <LoadingSpinner size="lg" />
-      <p className="text-muted-foreground mt-4 text-sm">{t('redirectingToPayment')}</p>
-      <p className="text-muted-foreground mt-2 text-xs">
-        {t('redirectingHint')}
-        <a href={paymentIntentUrl} className="text-primary hover:underline">
-          {t('clickHere')}
-        </a>
-        .
-      </p>
-    </div>
-  );
-}
+'use client';
+
+import { useEffect, useState, useRef, useCallback, type CSSProperties } from 'react';
+import type { PaymentIntent, PaymentClientSdk } from 'brainerce';
+import { formatPrice } from 'brainerce';
+import { BrainerceError } from 'brainerce';
+import { getClient } from '@/core/lib/brainerce';
+import { useTranslations } from '@/core/lib/translations';
+import { LoadingSpinner } from '@/ui/shared/loading-spinner';
+import { useStoreInfo } from '@/core/providers/store-provider';
+import { cn } from '@/core/lib/utils';
+import {
+  isAllowedPaymentUrl,
+  isValidCheckoutId,
+  safePaymentRedirect,
+} from '@/core/lib/safe-redirect';
+import { PREFERRED_RENDER_MODE, resolveRenderType } from '@/core/lib/render-mode';
+
+/**
+ * Backward-compat defaults when backend doesn't return clientSdk.
+ */
+const LEGACY_GROW_SDK: PaymentClientSdk = {
+  renderType: 'sdk-widget',
+  scriptUrl: 'https://cdn.meshulam.co.il/sdk/gs.min.js',
+  globalName: 'growPayment',
+  initMethod: 'init',
+  renderMethod: 'renderPaymentOptions',
+  containerId: 'grow-payment-container',
+  initConfig: { version: 1, environment: 'DEV' },
+  additionalScripts: [
+    { url: 'https://meshulam.co.il/_media/js/apple_pay_sdk/sdk.min.js', optional: true },
+  ],
+  bodyStyles:
+    '[id*="Gr0W8-"],[id*="Gr0W8-"] *,[class*="Gr0W8-"],[class*="Gr0W8-"] *{direction:ltr !important;text-align:left}',
+};
+
+interface PaymentStepProps {
+  checkoutId: string;
+  className?: string;
+}
+
+function resolveClientSdk(
+  intent: PaymentIntent | null,
+  preloadedSdk?: PaymentClientSdk | null
+): PaymentClientSdk {
+  // Runtime SDK (returned by the payment app in the intent) wins over the
+  // preloaded manifest SDK. This lets a provider return a different renderType
+  // per-installation (e.g. Cardcom returning 'embedded-fields' when the
+  // merchant opts in, while the manifest default stays 'iframe').
+  const fullSdk = [intent?.clientSdk, preloadedSdk].find((s) => s?.renderType);
+  const runtimeSdk = intent?.clientSdk;
+  if (fullSdk) {
+    if (!runtimeSdk || runtimeSdk === fullSdk) return fullSdk;
+    return {
+      ...fullSdk,
+      ...(runtimeSdk.renderArg ? { renderArg: runtimeSdk.renderArg } : {}),
+      ...(runtimeSdk.initConfig
+        ? { initConfig: { ...fullSdk.initConfig, ...runtimeSdk.initConfig } }
+        : {}),
+    };
+  }
+  const legacy = intent?.provider === 'grow' ? LEGACY_GROW_SDK : null;
+  if (legacy && runtimeSdk) {
+    return {
+      ...legacy,
+      ...(runtimeSdk.renderArg ? { renderArg: runtimeSdk.renderArg } : {}),
+      ...(runtimeSdk.initConfig
+        ? { initConfig: { ...legacy.initConfig, ...runtimeSdk.initConfig } }
+        : {}),
+    };
+  }
+  if (legacy) return legacy;
+  return { renderType: 'redirect' };
+}
+
+function extractMessage(response: unknown): string {
+  if (typeof response === 'string') return response;
+  return (response as { message?: string })?.message || '';
+}
+
+export function PaymentStep({ checkoutId, className }: PaymentStepProps) {
+  const t = useTranslations('checkout');
+  const { storeInfo } = useStoreInfo();
+
+  const [paymentIntent, setPaymentIntent] = useState<PaymentIntent | null>(null);
+
+  // The provider's payment URL. `clientSdk.renderArg` is the URL; `clientSecret`
+  // is only a fallback for providers that duplicate it there. Reading
+  // clientSecret alone breaks providers that return a real identifier (MAX,
+  // Takbull) — the iframe/link silently points at an id instead of a page.
+  const paymentIntentUrl = paymentIntent?.clientSdk?.renderArg || paymentIntent?.clientSecret || '';
+  const [preloadedSdk, setPreloadedSdk] = useState<PaymentClientSdk | null>(null);
+  const [loading, setLoading] = useState(true);
+  const [error, setError] = useState<string | null>(null);
+  const [sdkReady, setSdkReady] = useState(false);
+  // Set by the Cardcom OpenFields embed page via `brainerce:resize` postMessage.
+  // Presence of this value is how we distinguish our own compact embed page
+  // from a provider's hosted page — used to narrow the modal + auto-size the
+  // iframe instead of reserving the tall LowProfile footprint.
+  const [embeddedIframeHeight, setEmbeddedIframeHeight] = useState<number | null>(null);
+  const walletOpenRef = useRef(false);
+  const initialized = useRef(false);
+
+  // Stable refs for SDK event callbacks (avoids stale closures in onload)
+  const cbRef = useRef({
+    onSuccess: (_r: unknown) => {},
+    onFailure: (_r: unknown) => {},
+    onError: (_r: unknown) => {},
+    onTimeout: () => {},
+    onWalletChange: (_s: string) => {},
+    retryRender: () => {},
+  });
+
+  const handleSuccess = useCallback(
+    async (response: unknown) => {
+      console.info('Payment SDK success:', JSON.stringify(response));
+      try {
+        const client = getClient();
+        const resp = response as Record<string, unknown>;
+        const data = (resp?.data && typeof resp.data === 'object' ? resp.data : resp) as
+          | Record<string, unknown>
+          | undefined;
+        await client.confirmSdkPayment(checkoutId, data || undefined);
+      } catch (err) {
+        console.warn('Failed to confirm payment with backend:', err);
+      }
+      window.location.href = `/order-confirmation?checkout_id=${checkoutId}`;
+    },
+    [checkoutId]
+  );
+
+  cbRef.current = {
+    onSuccess: handleSuccess,
+    onFailure: (response: unknown) => {
+      console.error('Payment SDK failure:', response);
+      setError(extractMessage(response) || t('paymentError'));
+    },
+    onError: (response: unknown) => {
+      const TRANSIENT = [
+        'Wallet not initialized',
+        "SDK was not loaded as needed and therefore can't run",
+      ];
+      const msg = extractMessage(response);
+      if (TRANSIENT.some((e) => msg.includes(e))) {
+        console.info('Payment SDK: transient error, retrying render in 1s:', msg);
+        setTimeout(() => cbRef.current.retryRender(), 1000);
+        return;
+      }
+      console.error('Payment SDK error:', response);
+      setError(msg || t('paymentError'));
+    },
+    onTimeout: () => {
+      console.warn('Payment SDK: wallet timed out');
+      setError(t('paymentTimedOut'));
+    },
+    onWalletChange: (state: string) => {
+      console.info('Payment SDK wallet state:', state);
+      if (state === 'open') {
+        walletOpenRef.current = true;
+        setSdkReady(true);
+      }
+      if (state === 'close') setSdkReady(false);
+    },
+    retryRender: () => {},
+  };
+
+  // =========================================================================
+  // MAIN EFFECT — Follows Grow SDK docs exactly:
+  //
+  // Step 1: Load gs.min.js (insertBefore, as docs show)
+  // Step 2: s.onload → growPayment.init({ environment, version, events })
+  //         This triggers the SDK to load mp.min.js → CSS, HTML, params, services
+  // Step 3: createPaymentIntent (starts wallet timer — should be AFTER init)
+  // Step 4: growPayment.renderPaymentOptions(authCode)
+  //
+  // "call createPaymentProcess right before you need to render the wallet"
+  // =========================================================================
+  useEffect(() => {
+    // Defense in depth: the parent already validates checkoutId from URL
+    // params, but we re-check here so the component is safe to render in any
+    // context. Invalid id → no SDK loading, no API calls (error UI below).
+    if (!isValidCheckoutId(checkoutId)) return;
+    if (initialized.current) return;
+    initialized.current = true;
+
+    const client = getClient();
+    const iframeSuccessUrl = `${window.location.origin}/payment-complete?checkout_id=${checkoutId}`;
+    const iframeFailedUrl = `${window.location.origin}/payment-complete?checkout_id=${checkoutId}&failed=true`;
+    const redirectSuccessUrl = `${window.location.origin}/order-confirmation?checkout_id=${checkoutId}`;
+    const cancelUrl = `${window.location.origin}/checkout?checkout_id=${checkoutId}&canceled=true`;
+
+    let sdkInitDone = false;
+    let currentSdk: PaymentClientSdk | null = null;
+    const cleanups: (() => void)[] = [];
+
+    // --- Load SDK script exactly as Grow docs show ---
+    function loadScript(sdk: PaymentClientSdk) {
+      if (!sdk.scriptUrl || !sdk.globalName) return;
+
+      // Inject bodyStyles
+      if (sdk.bodyStyles && !document.querySelector('style[data-payment-sdk]')) {
+        const style = document.createElement('style');
+        style.setAttribute('data-payment-sdk', 'true');
+        style.textContent = sdk.bodyStyles;
+        document.head.appendChild(style);
+        cleanups.push(() => style.remove());
+      }
+
+      // Additional scripts (Apple Pay etc.) — fire and forget
+      if (sdk.additionalScripts) {
+        for (const extra of sdk.additionalScripts) {
+          if (document.querySelector(`script[src="${extra.url}"]`)) continue;
+          const s = document.createElement('script');
+          s.type = 'text/javascript';
+          s.async = true;
+          s.src = extra.url;
+          const ref = document.getElementsByTagName('script')[0];
+          if (ref?.parentNode) ref.parentNode.insertBefore(s, ref);
+          else document.head.appendChild(s);
+        }
+      }
+
+      // Already loaded? Init immediately
+      if ((window as any)[sdk.globalName]) {
+        initSdk(sdk);
+        return;
+      }
+
+      // Already loading (from a previous call)? Wait for it instead of duplicating
+      if (document.querySelector(`script[src="${sdk.scriptUrl}"]`)) {
+        const waitId = setInterval(() => {
+          if ((window as any)[sdk.globalName!]) {
+            clearInterval(waitId);
+            initSdk(sdk);
+          }
+        }, 100);
+        cleanups.push(() => clearInterval(waitId));
+        return;
+      }
+
+      // Load main SDK — insertBefore first <script> as Grow docs show
+      const s = document.createElement('script');
+      s.type = 'text/javascript';
+      s.async = true;
+      s.src = sdk.scriptUrl;
+      s.onload = () => initSdk(sdk); // init DIRECTLY in onload
+      s.onerror = () => {
+        console.error('Payment SDK: script load failed');
+        setError(t('failedToLoadPaymentSdk'));
+      };
+      const ref = document.getElementsByTagName('script')[0];
+      if (ref?.parentNode) ref.parentNode.insertBefore(s, ref);
+      else document.head.appendChild(s);
+    }
+
+    // --- Init: called in s.onload (as Grow docs require) ---
+    function initSdk(sdk: PaymentClientSdk) {
+      if (sdkInitDone) return; // Guard against double init
+
+      const global = (window as any)[sdk.globalName!];
+      if (!global) {
+        setError(t('failedToLoadPaymentSdk'));
+        return;
+      }
+
+      const method = sdk.initMethod || 'init';
+      const config = {
+        ...(sdk.initConfig || {}),
+        events: {
+          onSuccess: (r: unknown) => cbRef.current.onSuccess(r),
+          onFailure: (r: unknown) => cbRef.current.onFailure(r),
+          onError: (r: unknown) => cbRef.current.onError(r),
+          onTimeout: () => cbRef.current.onTimeout(),
+          onWalletChange: (s: string) => cbRef.current.onWalletChange(s),
+        },
+      };
+
+      console.info(`Payment SDK: calling ${method}()`);
+      global[method](config);
+      sdkInitDone = true;
+    }
+
+    // --- Render: call once, then safety-net retries if wallet doesn't open ---
+    // Grow SDK sometimes silently swallows renderPaymentOptions when its
+    // internal resources (mp.min.js etc.) aren't fully loaded yet.
+    // Strategy: render once, then retry up to 3 times with increasing delays
+    // (2s, 3s, 4s) if onWalletChange("open") hasn't fired.
+    let pendingRender: { sdk: PaymentClientSdk; intent: PaymentIntent } | null = null;
+    let renderAttempts = 0;
+    const MAX_RENDER_ATTEMPTS = 4;
+
+    function renderPayment(sdk: PaymentClientSdk, intent: PaymentIntent) {
+      const global = (window as any)[sdk.globalName!];
+      if (!global || walletOpenRef.current) return;
+
+      const renderMethod = sdk.renderMethod || 'renderPaymentOptions';
+      const renderArg = sdk.renderArg || intent.clientSecret;
+      renderAttempts++;
+
+      try {
+        global[renderMethod](renderArg);
+        console.info(`Payment SDK: renderPaymentOptions called (attempt ${renderAttempts})`);
+      } catch (err) {
+        console.info('Payment SDK: render threw, will retry in 1s');
+      }
+
+      // Safety net: if wallet doesn't open within a delay, retry
+      if (renderAttempts < MAX_RENDER_ATTEMPTS) {
+        const delay = 1000 + renderAttempts * 1000; // 2s, 3s, 4s
+        const retryId = setTimeout(() => {
+          if (!walletOpenRef.current) {
+            console.info(`Payment SDK: wallet not open after ${delay}ms, retrying render...`);
+            renderPayment(sdk, intent);
+          }
+        }, delay);
+        cleanups.push(() => clearTimeout(retryId));
+      }
+    }
+
+    function retryRender() {
+      if (pendingRender && !walletOpenRef.current) {
+        renderPayment(pendingRender.sdk, pendingRender.intent);
+      }
+    }
+
+    // =============================================
+    // Execution flow
+    // =============================================
+
+    // A) Get SDK config from providers (fast, no wallet timer)
+    const providerPromise = client
+      .getPaymentProviders()
+      .then((res) => {
+        const sdk = res.defaultProvider?.clientSdk;
+        if (sdk) setPreloadedSdk(sdk);
+        return sdk || null;
+      })
+      .catch(() => null);
+
+    // B) Load + init SDK as early as possible (skip for sandbox)
+    providerPromise.then((providerSdk) => {
+      if (providerSdk?.renderType === 'sandbox') return;
+      if (providerSdk?.renderType === 'sdk-widget' && providerSdk.scriptUrl) {
+        currentSdk = providerSdk;
+        loadScript(providerSdk);
+      }
+    });
+
+    // C) Create payment intent (starts wallet timer)
+    // Wait for provider info so we can choose the right success URL:
+    // iframe providers redirect inside the iframe to /payment-complete (postMessage),
+    // redirect providers go straight to /order-confirmation.
+    //
+    // The mode is PREDICTED with the platform's own resolution rule
+    // (resolveRenderType): the provider's default, unless this storefront asks
+    // for a mode the provider declares in `displayModes`. The prediction only
+    // picks the return URL; the branch below still reads the `renderType` that
+    // comes BACK on the intent, never the prediction.
+    const intentPromise = providerPromise
+      .then((providerSdk) => {
+        const expectedRenderType = resolveRenderType(providerSdk, PREFERRED_RENDER_MODE);
+        const isIframe = expectedRenderType === 'iframe';
+        const successUrl = isIframe ? iframeSuccessUrl : redirectSuccessUrl;
+        const failedUrl = isIframe ? iframeFailedUrl : cancelUrl;
+        // `preferredRenderType` is only sent when a preference is set, so a
+        // storefront on the provider default sends the same body it always
+        // has (and an SDK whose option type predates it still compiles).
+        return client.createPaymentIntent(checkoutId, {
+          successUrl,
+          cancelUrl: failedUrl,
+          ...(PREFERRED_RENDER_MODE ? { preferredRenderType: PREFERRED_RENDER_MODE } : {}),
+        });
+      })
+      .then((intent) => {
+        setPaymentIntent(intent);
+        return intent;
+      })
+      .catch((err) => {
+        // This is intent CREATION, before any card is entered, so a failure
+        // here is the merchant's configuration and never the shopper's card.
+        // The server said "Stripe account is not connected" and the storefront
+        // printed it verbatim: raw English on a Hebrew store, naming a provider
+        // to someone who could not install one if they wanted to. Declines come
+        // from the provider SDK on a different path and keep their own wording,
+        // which is the part a shopper can actually act on.
+        console.error('[checkout] could not start payment', err);
+        setError(t('paymentUnavailable'));
+        return null;
+      })
+      .finally(() => setLoading(false));
+
+    // D) When both ready: resolve final SDK config and render
+    Promise.all([providerPromise, intentPromise]).then(([providerSdk, intent]) => {
+      if (!intent) return;
+
+      const sdk = resolveClientSdk(intent, providerSdk);
+      currentSdk = sdk;
+
+      // Sandbox mode — no SDK to load, UI handles it
+      if (sdk.renderType === 'sandbox') return;
+
+      // The URL to send the customer to is `renderArg`; `clientSecret` is only
+      // a fallback for providers that duplicate the URL into it. Reading
+      // clientSecret first silently breaks any provider that puts a real
+      // identifier there (MAX, Takbull) — the host check rejects the id and the
+      // customer never reaches the payment page. Mirrors the sdk-widget branch
+      // above, which already prefers renderArg.
+      const paymentUrl = sdk.renderArg || intent.clientSecret;
+
+      if (sdk.renderType === 'redirect') {
+        if (!isAllowedPaymentUrl(paymentUrl)) {
+          setError(t('paymentRedirectBlocked'));
+          return;
+        }
+        safePaymentRedirect(paymentUrl);
+        return;
+      }
+
+      // Iframe mode: listen for postMessage from either:
+      //   (1) the same-origin /payment-complete callback page after a provider
+      //       redirect (legacy hosted-page flow), OR
+      //   (2) a Brainerce-hosted embed page on an allowlisted payment host
+      //       that wraps provider-specific logic (e.g. Cardcom OpenFields).
+      if (sdk.renderType === 'iframe') {
+        if (!isAllowedPaymentUrl(paymentUrl)) {
+          setError(t('paymentRedirectBlocked'));
+          return;
+        }
+        const iframeOrigin = (() => {
+          try {
+            return new URL(paymentUrl).origin;
+          } catch {
+            return '';
+          }
+        })();
+        const handleMessage = (event: MessageEvent) => {
+          const isSameOrigin = event.origin === window.location.origin;
+          const isTrustedIframe = iframeOrigin && event.origin === iframeOrigin;
+          if (!isSameOrigin && !isTrustedIframe) return;
+          if (event.data?.type === 'brainerce:resize') {
+            const h = Number((event.data as { height?: unknown }).height);
+            if (Number.isFinite(h) && h > 0 && h < 4000) setEmbeddedIframeHeight(h);
+            return;
+          }
+          // Embed page asking for a top-level redirect (e.g. Bit express-pay).
+          // We re-validate against the allowlist even though the URL comes
+          // from an already-trusted iframe — defense in depth.
+          if (event.data?.type === 'brainerce:redirect') {
+            const url = String((event.data as { url?: unknown }).url || '');
+            if (url) safePaymentRedirect(url);
+            return;
+          }
+          if (event.data?.type !== 'brainerce:payment-complete') return;
+
+          const params = event.data.data as Record<string, string> | undefined;
+          if (params?.failed === 'true') {
+            setError(t('paymentError'));
+            return;
+          }
+
+          // Map provider-specific params to normalized format for
+          // server-side verification (e.g. CardCom lowprofilecode → paymentIntentId)
+          const lowProfileCode = params?.lowprofilecode || params?.LowProfileCode;
+          const normalized: Record<string, unknown> = { ...params };
+          if (lowProfileCode) {
+            normalized.paymentIntentId = lowProfileCode;
+          }
+
+          // Trigger server-side verification + order creation
+          handleSuccess(normalized);
+        };
+        window.addEventListener('message', handleMessage);
+        cleanups.push(() => window.removeEventListener('message', handleMessage));
+        return;
+      }
+
+      if (sdk.renderType !== 'sdk-widget' || !sdk.globalName) return;
+
+      // Store for retryRender from onError callback
+      pendingRender = { sdk, intent };
+      cbRef.current.retryRender = retryRender;
+
+      // If SDK wasn't loaded from providers, load + init now
+      if (!sdkInitDone) {
+        loadScript(sdk);
+        // Wait for init to complete, then render once
+        const id = setInterval(() => {
+          if (sdkInitDone) {
+            clearInterval(id);
+            renderPayment(sdk, intent);
+          }
+        }, 100);
+        cleanups.push(() => clearInterval(id));
+        return;
+      }
+
+      // Re-init with final config if environment changed
+      if (sdk.initConfig?.environment && currentSdk) {
+        const global = (window as any)[sdk.globalName];
+        if (global) {
+          const method = sdk.initMethod || 'init';
+          global[method]({
+            ...(sdk.initConfig || {}),
+            events: {
+              onSuccess: (r: unknown) => cbRef.current.onSuccess(r),
+              onFailure: (r: unknown) => cbRef.current.onFailure(r),
+              onError: (r: unknown) => cbRef.current.onError(r),
+              onTimeout: () => cbRef.current.onTimeout(),
+              onWalletChange: (s: string) => cbRef.current.onWalletChange(s),
+            },
+          });
+        }
+      }
+
+      // SDK ready — render once
+      renderPayment(sdk, intent);
+    });
+
+    return () => cleanups.forEach((fn) => fn());
+  }, [checkoutId]);
+
+  // --- UI ---
+
+  // Invalid checkout id — render the error box instead of ever spinning.
+  // (Checked after the hooks above so hook order is stable across renders.)
+  if (!isValidCheckoutId(checkoutId)) {
+    return (
+      <div className={cn('border-destructive/50 rounded-md border p-4', className)}>
+        <p className="text-destructive text-sm">{t('paymentError')}</p>
+      </div>
+    );
+  }
+
+  if (loading) {
+    return (
+      <div className={cn('flex flex-col items-center justify-center py-12', className)}>
+        <LoadingSpinner size="lg" />
+        <p className="text-muted-foreground mt-4 text-sm">{t('preparingPayment')}</p>
+      </div>
+    );
+  }
+
+  if (error) {
+    const isNotConfigured =
+      error.toLowerCase().includes('not configured') ||
+      error.toLowerCase().includes('no payment') ||
+      error.toLowerCase().includes('provider');
+    return (
+      <div className={cn('py-12 text-center', className)}>
+        <svg
+          className="text-muted-foreground mx-auto mb-4 h-12 w-12"
+          fill="none"
+          viewBox="0 0 24 24"
+          stroke="currentColor"
+        >
+          <path
+            strokeLinecap="round"
+            strokeLinejoin="round"
+            strokeWidth={1.5}
+            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>
+        <h3 className="text-foreground mb-2 text-lg font-semibold">
+          {isNotConfigured ? t('paymentNotConfigured') : t('paymentError')}
+        </h3>
+        <p className="text-muted-foreground mx-auto max-w-md text-sm">
+          {isNotConfigured ? t('paymentNotConfiguredDesc') : error}
+        </p>
+      </div>
+    );
+  }
+
+  if (!paymentIntent) return null;
+
+  const sdk = resolveClientSdk(paymentIntent, preloadedSdk);
+
+  if (sdk.renderType === 'sandbox') {
+    const handleCompleteSandbox = async () => {
+      setLoading(true);
+      try {
+        const client = getClient();
+        await client.completeGuestCheckout(checkoutId);
+        window.location.href = `/order-confirmation?checkout_id=${checkoutId}`;
+      } catch (err) {
+        // Sandbox never declines, so there is nothing here a shopper can act on
+        // either.
+        console.error('[checkout] sandbox completion failed', err);
+        setError(t('paymentError'));
+        setLoading(false);
+      }
+    };
+
+    return (
+      <div className={cn('py-8 text-center', className)}>
+        <div className="mx-auto max-w-md rounded-lg border border-amber-200 bg-amber-50 p-6">
+          <svg
+            className="mx-auto mb-3 h-10 w-10 text-amber-500"
+            fill="none"
+            viewBox="0 0 24 24"
+            stroke="currentColor"
+          >
+            <path
+              strokeLinecap="round"
+              strokeLinejoin="round"
+              strokeWidth={1.5}
+              d="M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4.5c-.77-.833-2.694-.833-3.464 0L3.34 16.5c-.77.833.192 2.5 1.732 2.5z"
+            />
+          </svg>
+          <h3 className="text-foreground mb-1 text-lg font-semibold">{t('sandboxTitle')}</h3>
+          <p className="text-muted-foreground mb-4 text-sm">{t('sandboxDescription')}</p>
+          <button
+            onClick={handleCompleteSandbox}
+            className="inline-flex items-center rounded-md bg-amber-500 px-6 py-2.5 text-sm font-medium text-white transition-colors hover:bg-amber-600"
+          >
+            {t('completeTestOrder')}
+          </button>
+        </div>
+      </div>
+    );
+  }
+
+  if (sdk.renderType === 'sdk-widget') {
+    const containerId =
+      sdk.containerId || `${paymentIntent.provider || 'payment'}-payment-container`;
+    return (
+      <div className={cn('py-4', className)}>
+        {!sdkReady && (
+          <div className="flex flex-col items-center justify-center py-8">
+            <LoadingSpinner size="lg" />
+            <p className="text-muted-foreground mt-4 text-sm">{t('loadingPaymentOptions')}</p>
+          </div>
+        )}
+        <div id={containerId} />
+      </div>
+    );
+  }
+
+  if (sdk.renderType === 'iframe') {
+    if (!isAllowedPaymentUrl(paymentIntent.clientSecret)) return null;
+
+    // Detect Brainerce-hosted embed (path-based — works across localhost/
+    // staging/prod without a domain list) vs. a provider-hosted page. The
+    // embed page is already brand-styled and compact → render inline in the
+    // checkout flow. Provider-hosted pages carry their own branding/chrome →
+    // keep the modal overlay so they don't fight the checkout layout.
+    const iframeUrlObj = (() => {
+      try {
+        return new URL(paymentIntent.clientSecret);
+      } catch {
+        return null;
+      }
+    })();
+    const isBrainerceEmbed = iframeUrlObj?.pathname.includes('/embed/') ?? false;
+
+    if (isBrainerceEmbed) {
+      // Inline: default to a reasonable height until the embed posts its real
+      // height via `brainerce:resize`. Transition smooths the resize into the
+      // final measurement.
+      const hasMeasured = embeddedIframeHeight !== null;
+      const iframeStyle: CSSProperties = {
+        height: hasMeasured ? (embeddedIframeHeight as number) : 540,
+        transition: hasMeasured ? 'height 0.2s ease-out' : undefined,
+      };
+      return (
+        <div className={cn('w-full', className)}>
+          <iframe
+            src={paymentIntentUrl}
+            className="block w-full border-0"
+            style={iframeStyle}
+            title={t('payment')}
+            allow="payment"
+          />
+        </div>
+      );
+    }
+
+    // Provider-hosted page (e.g. Cardcom LowProfile with full merchant
+    // branding) — modal overlay keeps it visually contained.
+    const formattedAmount = formatPrice((Number(paymentIntent.amount) || 0) / 100, {
+      currency: paymentIntent.currency,
+    }) as string;
+    const iframeStyle: CSSProperties = { height: '90vh', minHeight: 700 };
+    return (
+      <>
+        {/* Modal overlay */}
+        <div className="fixed inset-0 z-50 flex items-start justify-center overflow-y-auto bg-black/50 py-6 backdrop-blur-sm">
+          <div className="bg-background relative mx-4 flex w-full max-w-4xl flex-col overflow-hidden rounded-2xl shadow-2xl">
+            {/* Header */}
+            <div className="border-border flex items-center justify-between gap-4 border-b px-5 py-4">
+              <div className="flex min-w-0 flex-col">
+                <span className="text-foreground truncate text-sm font-semibold">
+                  {storeInfo?.name}
+                </span>
+                <span className="text-muted-foreground text-xs">{t('payment')}</span>
+              </div>
+              <div className="flex items-baseline gap-1.5">
+                <span className="text-foreground text-lg font-bold tabular-nums">
+                  {formattedAmount}
+                </span>
+                <span className="text-muted-foreground text-xs uppercase">
+                  {paymentIntent.currency}
+                </span>
+              </div>
+              <button
+                onClick={() => {
+                  window.location.href = `/checkout?checkout_id=${checkoutId}&canceled=true`;
+                }}
+                className="text-muted-foreground hover:bg-secondary hover:text-foreground flex h-8 w-8 shrink-0 items-center justify-center rounded-full transition-colors"
+                aria-label="Close"
+              >
+                <svg
+                  width="14"
+                  height="14"
+                  viewBox="0 0 14 14"
+                  fill="none"
+                  stroke="currentColor"
+                  strokeWidth="2"
+                  strokeLinecap="round"
+                >
+                  <path d="M1 1l12 12M13 1L1 13" />
+                </svg>
+              </button>
+            </div>
+            {/* Iframe body */}
+            <iframe
+              src={paymentIntentUrl}
+              className="w-full border-0"
+              style={iframeStyle}
+              title={t('payment')}
+              allow="payment"
+            />
+            {/* Footer */}
+            <div className="border-border bg-secondary/30 text-muted-foreground flex items-center justify-center gap-2 border-t px-5 py-3 text-xs">
+              <svg
+                width="14"
+                height="14"
+                viewBox="0 0 24 24"
+                fill="none"
+                stroke="currentColor"
+                strokeWidth="2"
+                strokeLinecap="round"
+                strokeLinejoin="round"
+                aria-hidden="true"
+              >
+                <path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z" />
+                <path d="m9 12 2 2 4-4" />
+              </svg>
+              <span>
+                {t('securePayment')} · <span className="font-medium">Brainerce</span>
+              </span>
+            </div>
+          </div>
+        </div>
+        {/* Placeholder so the checkout layout doesn't collapse */}
+        <div className={cn('flex flex-col items-center justify-center py-12', className)}>
+          <LoadingSpinner size="lg" />
+          <p className="text-muted-foreground mt-4 text-sm">{t('preparingPayment')}</p>
+        </div>
+      </>
+    );
+  }
+
+  return (
+    <div className={cn('flex flex-col items-center justify-center py-12', className)}>
+      <LoadingSpinner size="lg" />
+      <p className="text-muted-foreground mt-4 text-sm">{t('redirectingToPayment')}</p>
+      <p className="text-muted-foreground mt-2 text-xs">
+        {t('redirectingHint')}
+        <a href={paymentIntentUrl} className="text-primary hover:underline">
+          {t('clickHere')}
+        </a>
+        .
+      </p>
+    </div>
+  );
+}