framepayments-react-native 3.0.0 → 3.0.1

package/Package.swift

@@ -27,7 +27,7 @@ let package = Package(
     dependencies: [
         .package(
             url: "https://github.com/Frame-Payments/frame-ios",
-            from: "2.2.2" // Keep in sync with package.json:frameNativeVersions.ios
+            from: "2.2.3" // Keep in sync with package.json:frameNativeVersions.ios
         )
     ],
     targets: [

package/README.md

@@ -91,6 +91,8 @@ Initializes the native SDK. Must be called before any `present*` method. Call on
 await Frame.initialize({
   secretKey: 'sk_sandbox_...',      // your Frame secret key
   publishableKey: 'pk_sandbox_...', // your Frame publishable key
+  applePayMerchantId: 'merchant.com.yourapp', // optional — see Apple Pay section
+  googlePayMerchantId: 'BCR2DN4T...',         // optional — see Google Pay section
   debugMode: false,                 // set true in development to enable native debug logging
 });
 ```
@@ -99,6 +101,8 @@ await Frame.initialize({
 |---|---|---|---|
 | `secretKey` | `string` | Yes | Your Frame secret key (`sk_…`). Used for server-style operations. |
 | `publishableKey` | `string` | Yes | Your Frame publishable key (`pk_…`). Used for client-side operations like wallet payments. |
+| `applePayMerchantId` | `string` | No | Apple Pay merchant identifier (`merchant.com.…`). Single source of truth for every Apple Pay surface — `presentApplePay`, the bundled checkout's wallet row, the onboarding wallet attach button. iOS-only; ignored on Android. |
+| `googlePayMerchantId` | `string` | No | Google Pay merchant identifier from the Google Pay & Wallet Console. Single source of truth for every Google Pay surface — `presentGooglePay`, the bundled checkout's wallet row, the onboarding wallet attach button. Android-only; ignored on iOS. |
 | `debugMode` | `boolean` | No | Enables native debug logging and routes wallet flows through sandbox/test environments. Default: `false`. |
 
 ---
@@ -184,7 +188,8 @@ if (result.status === 'completed') {
 |---|---|---|---|
 | `accountId` | `string` | No | The Frame account to onboard |
 | `capabilities` | `OnboardingCapability[]` | No | Which onboarding steps to include (see below) |
-| `applePayMerchantId` | `string` | No | Apple Pay merchant ID. When set, the onboarding flow includes an Apple Pay setup step. iOS only — ignored on Android. Same prerequisites as `presentApplePay`. |
+
+The Apple Pay / Google Pay wallet attach steps are rendered automatically when the corresponding merchant ID was passed to `Frame.initialize`. No per-call merchant params here.
 
 **`capabilities` values:**
 
@@ -217,6 +222,8 @@ if (result.status === 'completed') {
 
 Launches the native Apple Pay sheet, creates a Frame payment method from the authorized payment, and creates a charge against the owner. Resolves with the resulting resource's id string. Render your own button — Apple's `PKPaymentButton`, a community wrapper, or your own design-system component — and call this from its `onPress`.
 
+The Apple Pay merchant ID is configured **once** at `Frame.initialize({ applePayMerchantId })`; there is no per-call merchant parameter.
+
 The `owner` determines which downstream resource is created:
 
 - `owner.type === 'customer'` → creates a `ChargeIntent` against the customer; resolves with the ChargeIntent's `id`.
@@ -232,7 +239,6 @@ const transferId = await Frame.presentApplePay({
   amount: 15000,
   currency: 'usd',
   owner: { type: 'account', id: 'acct_xxx' },
-  merchantId: 'merchant.com.yourapp',
 });
 
 // Customer → ChargeIntent
@@ -240,7 +246,6 @@ const chargeIntentId = await Frame.presentApplePay({
   amount: 15000,
   currency: 'usd',
   owner: { type: 'customer', id: 'cus_xxx' },
-  merchantId: 'merchant.com.yourapp',
 });
 ```
 
@@ -249,23 +254,42 @@ const chargeIntentId = await Frame.presentApplePay({
 | `amount` | `number` | Yes | Payment amount in cents |
 | `currency` | `string` | No | ISO 4217 currency code. Default `'usd'` |
 | `owner` | `{ type: 'customer' \| 'account', id: string }` | Yes | Customer or account that owns the resulting payment method and charge |
-| `merchantId` | `string` | Yes | Apple Pay merchant ID configured in your Apple Developer account |
 
 **Returns:** `Promise<string>` — the created `ChargeIntent`'s `id` (for customer owners) or the `Transfer`'s `id` (for account owners).
 
-The promise rejects with `code: 'USER_CANCELED'` when the user dismisses the sheet, `'INVALID_OWNER'` if the owner is missing or malformed, `'APPLE_PAY_UNAVAILABLE'` if the device cannot make Apple Pay payments, `'NOT_ATTESTED'` if device attestation has not completed yet (try again in a moment), `'PAYMENT_METHOD_FAILED'` when the wallet payment method could not be persisted, and `'PAYMENT_FAILED'` when the downstream ChargeIntent or Transfer could not be created.
+The promise rejects with `code: 'USER_CANCELED'` when the user dismisses the sheet, `'INVALID_OWNER'` if the owner is missing or malformed, `'INVALID_MERCHANT_ID'` if `applePayMerchantId` was not configured at `Frame.initialize`, `'APPLE_PAY_UNAVAILABLE'` if the device cannot make Apple Pay payments, `'NOT_ATTESTED'` if device attestation has not completed yet (try again in a moment), `'PAYMENT_METHOD_FAILED'` when the wallet payment method could not be persisted, and `'PAYMENT_FAILED'` when the downstream ChargeIntent or Transfer could not be created.
 
-**Required iOS setup:**
+#### Required iOS setup
 
-1. **Apple Pay capability + merchant ID.** Add Apple Pay in your target's *Signing & Capabilities*, and register a merchant ID in your Apple Developer account.
-2. **App Attest entitlement.** The Frame iOS SDK uses Apple's App Attest for device attestation on every Apple Pay payment. Add to your `.entitlements`:
+Apple Pay setup is a four-part process: create a merchant ID with Apple, configure your Xcode project, pass the merchant ID to `Frame.initialize`, then **contact Frame** to enable the feature on your account.
+
+1. **Create a merchant identifier.** Sign in to [developer.apple.com → Certificates, Identifiers & Profiles → Identifiers → Merchant IDs](https://developer.apple.com/account/resources/identifiers/list/merchant), click **+**, choose **Merchant IDs**, and create one in reverse-DNS form (e.g. `merchant.com.yourapp`).
+2. **Add the Apple Pay capability in Xcode.** Open your project, select your **app target**, go to **Signing & Capabilities** → **+ Capability** → **Apple Pay**, and add the merchant ID you created in step 1. Xcode writes it into your entitlements file:
+   ```xml
+   <key>com.apple.developer.in-app-payments</key>
+   <array>
+       <string>merchant.com.yourapp</string>
+   </array>
+   ```
+3. **App Attest entitlement.** Frame uses Apple's App Attest for device attestation on every Apple Pay payment. Add to your `.entitlements`:
    ```xml
    <key>com.apple.developer.devicecheck.appattest-environment</key>
    <string>development</string>
    ```
-   Use `production` for App Store builds.
-3. **Real device required.** App Attest does not work in the simulator.
-4. **Frame dashboard configuration.** In your Frame dashboard, go to **Settings → Device Attestation** and set your Apple Team ID and the Bundle ID of your iOS app. These must exactly match the app you're running — the backend computes `SHA256("<TeamID>.<BundleID>")` and compares it to the hash signed by the device. If they don't match, payment-method creation fails with `App ID verification failed`.
+   Use `production` for App Store builds. App Attest does not work in the simulator — Apple Pay requires a real device.
+4. **Frame dashboard — device attestation.** In your Frame dashboard, **Settings → Device Attestation**, set your Apple Team ID and the Bundle ID of your iOS app. These must exactly match the app you're running — the backend computes `SHA256("<TeamID>.<BundleID>")` and compares it to the hash signed by the device. If they don't match, payment-method creation fails with `App ID verification failed`.
+5. **Pass the merchant ID to `Frame.initialize`.** This is the single source of truth — every Frame Apple Pay surface reads it from here.
+   ```ts
+   await Frame.initialize({
+     secretKey: 'sk_...',
+     publishableKey: 'pk_...',
+     applePayMerchantId: 'merchant.com.yourapp',
+   });
+   ```
+
+#### Enabling Apple Pay on your account
+
+Once the steps above are complete, contact Frame at [support@framepayments.com](mailto:support@framepayments.com) (or via your [Frame dashboard](https://framepayments.com)) and we'll enable Apple Pay on your account. Apple Pay charges won't succeed until this is done on our side.
 
 On non-iOS platforms `Frame.presentApplePay` rejects synchronously with a not-supported error.
 
@@ -275,6 +299,8 @@ On non-iOS platforms `Frame.presentApplePay` rejects synchronously with a not-su
 
 Launches the native Google Pay sheet, creates a Frame payment method from the wallet token, and creates a charge against the owner. Resolves with the resulting resource's id string. Render your own button (Google's `PayButton` from `play-services-pay`, a community wrapper, or your own component) and call this from its `onPress`.
 
+The Google Pay merchant ID is configured **once** at `Frame.initialize({ googlePayMerchantId })`; there is no per-call merchant parameter.
+
 The `owner` mirrors `presentApplePay` and determines which downstream resource is created:
 
 - `owner.type === 'customer'` → creates a `ChargeIntent` against the customer; resolves with the ChargeIntent's `id`.
@@ -302,21 +328,36 @@ const chargeIntentId = await Frame.presentGooglePay({
 | `amountCents` | `number` | Yes | Payment amount in cents |
 | `owner` | `{ type: 'customer' \| 'account', id: string }` | Yes | Customer or account that owns the resulting payment method and charge |
 | `currencyCode` | `string` | No | ISO 4217 currency code. Default `'USD'` |
-| `googlePayMerchantId` | `string` | No | Google Pay merchant ID override |
 
 **Returns:** `Promise<string>` — the created `ChargeIntent`'s `id` (for customer owners) or the `Transfer`'s `id` (for account owners).
 
-The promise rejects with `code: 'USER_CANCELED'` when the user dismisses the sheet, `'INVALID_OWNER'` if the owner is missing or malformed, `'GOOGLE_PAY_UNAVAILABLE'` if Google Pay is not ready on the device (no signed-in account, no test card, or Wallet API disabled), and `'PAYMENT_FAILED'` for backend failures.
+The promise rejects with `code: 'USER_CANCELED'` when the user dismisses the sheet, `'INVALID_OWNER'` if the owner is missing or malformed, `'GOOGLE_PAY_UNAVAILABLE'` if Google Pay is not ready on the device (no signed-in account, no test card, no `googlePayMerchantId` configured at `Frame.initialize`, or Wallet API disabled in the manifest), and `'PAYMENT_FAILED'` for backend failures.
+
+#### Required Android setup
 
-**Required Android setup:**
+Google Pay setup is a four-part process: get a merchant ID from Google, declare the wallet capability in your manifest, pass the merchant ID to `Frame.initialize`, then **contact Frame** to enable the feature on your account.
 
-1. **Google Pay metadata.** Add to your app's `AndroidManifest.xml` inside `<application>`:
+1. **Obtain a Google Pay merchant ID.** Sign up for a [Google Pay & Wallet Console](https://pay.google.com/business/console/) account, complete the business profile, and accept the Google Pay API Terms of Service. Your **Merchant ID** (looks like `BCR2DN4T…`) appears on the Business Console home page once approved.
+2. **Declare the wallet capability in `AndroidManifest.xml`.** Inside `<application>`:
    ```xml
    <meta-data
        android:name="com.google.android.gms.wallet.api.enabled"
        android:value="true" />
    ```
-2. **Test environment.** When the SDK is initialized with `debugMode: true`, Google Pay runs in `ENVIRONMENT_TEST`; otherwise it uses `ENVIRONMENT_PRODUCTION`.
+   Without this entry the Google Pay button stays hidden — the Wallet API is opted-out by default.
+3. **Test environment.** When the SDK is initialized with `debugMode: true`, Google Pay runs in `ENVIRONMENT_TEST`; otherwise it uses `ENVIRONMENT_PRODUCTION`.
+4. **Pass the merchant ID to `Frame.initialize`.** This is the single source of truth — every Frame Google Pay surface reads it from here.
+   ```ts
+   await Frame.initialize({
+     secretKey: 'sk_...',
+     publishableKey: 'pk_...',
+     googlePayMerchantId: 'BCR2DN4T...',
+   });
+   ```
+
+#### Enabling Google Pay on your account
+
+Once the steps above are complete, contact Frame at [support@framepayments.com](mailto:support@framepayments.com) (or via your [Frame dashboard](https://framepayments.com)) and we'll enable Google Pay on your account. Google Pay charges won't succeed until this is done on our side.
 
 On non-Android platforms `Frame.presentGooglePay` rejects synchronously with a not-supported error.
 

package/android/src/main/java/com/framepayments/reactnativeframe/FrameCheckoutActivity.kt

@@ -7,6 +7,7 @@ import android.os.Looper
 import android.widget.FrameLayout
 import androidx.appcompat.app.AppCompatActivity
 import com.framepayments.framesdk.FrameNetworking
+import com.framepayments.framesdk.FrameResult
 import com.framepayments.framesdk_ui.FrameCheckoutView
 
 class FrameCheckoutActivity : AppCompatActivity() {
@@ -68,9 +69,23 @@ class FrameCheckoutActivity : AppCompatActivity() {
   private fun addCheckoutView(container: FrameLayout, accountId: String, amount: Int) {
     val checkoutView = FrameCheckoutView(this)
     FrameRNTheme.current?.let { checkoutView.setTheme(it) }
-    checkoutView.configure(accountId, amount) { transferId ->
-      setResult(RESULT_OK, Intent().putExtra(EXTRA_TRANSFER_ID, transferId))
-      finish()
+    checkoutView.configure(accountId, amount) { result ->
+      when (result) {
+        is FrameResult.Completed -> {
+          setResult(RESULT_OK, Intent().putExtra(EXTRA_TRANSFER_ID, result.id))
+          finish()
+        }
+        FrameResult.Cancelled -> {
+          setResult(RESULT_CANCELED)
+          finish()
+        }
+        is FrameResult.Failed -> {
+          // Surfaced as USER_CANCELED at the JS layer (RESULT_CANCELED maps to it in FrameSDKModule).
+          // Per-error toast UI is already shown by the native FrameCheckoutView before this fires.
+          setResult(RESULT_CANCELED)
+          finish()
+        }
+      }
     }
     container.addView(checkoutView)
   }

package/android/src/main/java/com/framepayments/reactnativeframe/FrameFlowActivity.kt

@@ -4,6 +4,7 @@ import android.content.Intent
 import android.os.Bundle
 import android.widget.FrameLayout
 import androidx.appcompat.app.AppCompatActivity
+import com.framepayments.framesdk.FrameResult
 import com.framepayments.framesdk_ui.FrameCartItem
 import com.framepayments.framesdk_ui.FrameCartView
 import com.framepayments.framesdk_ui.FrameCheckoutView
@@ -75,9 +76,21 @@ class FrameFlowActivity : AppCompatActivity() {
     container.removeAllViews()
     checkoutView = FrameCheckoutView(this).apply {
       FrameRNTheme.current?.let { setTheme(it) }
-      configure(accountId, amount) { transferId ->
-        setResult(RESULT_OK, Intent().putExtra(EXTRA_TRANSFER_ID, transferId))
-        finish()
+      configure(accountId, amount) { result ->
+        when (result) {
+          is FrameResult.Completed -> {
+            setResult(RESULT_OK, Intent().putExtra(EXTRA_TRANSFER_ID, result.id))
+            finish()
+          }
+          FrameResult.Cancelled -> {
+            setResult(RESULT_CANCELED)
+            finish()
+          }
+          is FrameResult.Failed -> {
+            setResult(RESULT_CANCELED)
+            finish()
+          }
+        }
       }
     }
     container.addView(checkoutView)

package/android/src/main/java/com/framepayments/reactnativeframe/FrameGooglePayActivity.kt

@@ -40,7 +40,6 @@ class FrameGooglePayActivity : AppCompatActivity() {
     val ownerType = intent.getStringExtra(EXTRA_OWNER_TYPE)
     val ownerId = intent.getStringExtra(EXTRA_OWNER_ID)
     val currencyCode = intent.getStringExtra(EXTRA_CURRENCY) ?: "USD"
-    val googlePayMerchantId = intent.getStringExtra(EXTRA_MERCHANT_ID)
 
     if (amountCents <= 0) {
       deliverFailure("Invalid amountCents")
@@ -68,7 +67,6 @@ class FrameGooglePayActivity : AppCompatActivity() {
       amountCents = amountCents,
       owner = owner,
       currencyCode = currencyCode,
-      googlePayMerchantId = googlePayMerchantId,
       onResult = { result -> handleResult(result) },
       onReadinessChanged = { isReady -> handleReadiness(isReady) }
     )
@@ -153,7 +151,6 @@ class FrameGooglePayActivity : AppCompatActivity() {
     const val EXTRA_OWNER_TYPE = "owner_type"
     const val EXTRA_OWNER_ID = "owner_id"
     const val EXTRA_CURRENCY = "currency"
-    const val EXTRA_MERCHANT_ID = "merchant_id"
     /**
      * The id of the resource created by the wallet flow. Holds a Transfer id when
      * the owner was an account, or a ChargeIntent id when the owner was a customer.

package/android/src/main/java/com/framepayments/reactnativeframe/FrameOnboardingActivity.kt

@@ -19,12 +19,10 @@ class FrameOnboardingActivity : ComponentActivity() {
     val accountId = intent.getStringExtra(EXTRA_ACCOUNT_ID)
     val capabilitiesJson = intent.getStringExtra(EXTRA_CAPABILITIES_JSON) ?: "[]"
     val capabilities = parseCapabilities(capabilitiesJson)
-    val googlePayMerchantId = intent.getStringExtra(EXTRA_GOOGLE_PAY_MERCHANT_ID)
 
     val config = OnboardingConfig(
       accountId = accountId,
-      requiredCapabilities = capabilities,
-      googlePayMerchantId = googlePayMerchantId
+      requiredCapabilities = capabilities
     )
 
     val themeOverride = FrameRNTheme.current
@@ -44,7 +42,7 @@ class FrameOnboardingActivity : ComponentActivity() {
               setResult(RESULT_CANCELED)
               finish()
             }
-            is OnboardingResult.Error -> {
+            is OnboardingResult.Failed -> {
               setResult(RESULT_CANCELED)
               finish()
             }
@@ -69,7 +67,6 @@ class FrameOnboardingActivity : ComponentActivity() {
   companion object {
     const val EXTRA_ACCOUNT_ID = "account_id"
     const val EXTRA_CAPABILITIES_JSON = "capabilities_json"
-    const val EXTRA_GOOGLE_PAY_MERCHANT_ID = "google_pay_merchant_id"
     const val EXTRA_PAYMENT_METHOD_ID = "payment_method_id"
     const val REQUEST_CODE = 9003
   }

package/android/src/main/java/com/framepayments/reactnativeframe/FrameSDKModule.kt

@@ -36,12 +36,17 @@ class FrameSDKModule(reactContext: ReactApplicationContext) :
     secretKey: String,
     publishableKey: String,
     debugMode: Boolean,
+    applePayMerchantId: String?,
+    googlePayMerchantId: String?,
     theme: ReadableMap?,
     promise: Promise
   ) {
     try {
       val ctx = reactApplicationContext.applicationContext
-      FrameNetworking.initializeWithAPIKey(ctx, secretKey, publishableKey, debugMode)
+      // applePayMerchantId is iOS-only; accepted in the bridge signature so the JS Frame.initialize()
+      // API stays cross-platform, but ignored here. frame-android has no Apple Pay surface.
+      @Suppress("UNUSED_PARAMETER") val ignoredApplePayMerchantId = applePayMerchantId
+      FrameNetworking.initializeWithAPIKey(ctx, secretKey, publishableKey, googlePayMerchantId, debugMode)
       FrameRNTheme.current = theme?.takeIf { it.keySetIterator().hasNextKey() }?.let {
         FrameRNTheme.parse(ctx, it)
       }
@@ -99,7 +104,6 @@ class FrameSDKModule(reactContext: ReactApplicationContext) :
     ownerType: String?,
     ownerId: String?,
     currencyCode: String?,
-    googlePayMerchantId: String?,
     promise: Promise
   ) {
     val activity = reactApplicationContext.currentActivity ?: run {
@@ -129,7 +133,6 @@ class FrameSDKModule(reactContext: ReactApplicationContext) :
         putExtra(FrameGooglePayActivity.EXTRA_OWNER_TYPE, ownerType)
         putExtra(FrameGooglePayActivity.EXTRA_OWNER_ID, ownerId)
         putExtra(FrameGooglePayActivity.EXTRA_CURRENCY, currencyCode ?: "USD")
-        putExtra(FrameGooglePayActivity.EXTRA_MERCHANT_ID, googlePayMerchantId)
       }
       activity.startActivity(intent)
     }
@@ -139,7 +142,6 @@ class FrameSDKModule(reactContext: ReactApplicationContext) :
   fun presentOnboarding(
     accountId: String?,
     capabilities: ReadableArray,
-    googlePayMerchantId: String?,
     promise: Promise
   ) {
     val activity = reactApplicationContext.currentActivity ?: run {
@@ -152,7 +154,6 @@ class FrameSDKModule(reactContext: ReactApplicationContext) :
       val intent = Intent(activity, FrameOnboardingActivity::class.java).apply {
         putExtra(FrameOnboardingActivity.EXTRA_ACCOUNT_ID, accountId)
         putExtra(FrameOnboardingActivity.EXTRA_CAPABILITIES_JSON, capabilitiesJson)
-        putExtra(FrameOnboardingActivity.EXTRA_GOOGLE_PAY_MERCHANT_ID, googlePayMerchantId)
       }
       activity.startActivityForResult(intent, FrameOnboardingActivity.REQUEST_CODE)
     }

package/ios/ApplePayPresenter.swift

@@ -28,7 +28,6 @@ final class ApplePayPresenter: NSObject, PKPaymentAuthorizationControllerDelegat
   private let amount: Int
   private let currency: String
   private let owner: Owner
-  private let merchantId: String
   private let resolve: (Any?) -> Void
   private let reject: (String, String, Error?) -> Void
 
@@ -46,13 +45,11 @@ final class ApplePayPresenter: NSObject, PKPaymentAuthorizationControllerDelegat
   init(amount: Int,
        currency: String,
        owner: Owner,
-       merchantId: String,
        resolve: @escaping (Any?) -> Void,
        reject: @escaping (String, String, Error?) -> Void) {
     self.amount = amount
     self.currency = currency
     self.owner = owner
-    self.merchantId = merchantId
     self.resolve = resolve
     self.reject = reject
   }
@@ -63,7 +60,7 @@ final class ApplePayPresenter: NSObject, PKPaymentAuthorizationControllerDelegat
 
   func present() {
     let request = PKPaymentRequest()
-    request.merchantIdentifier = merchantId
+    request.merchantIdentifier = FrameNetworking.shared.applePayMerchantId ?? ""
     request.supportedNetworks = Self.supportedNetworks
     request.merchantCapabilities = .threeDSecure
     request.countryCode = "US"

package/ios/FrameSDKBridge.m

@@ -28,6 +28,8 @@
 RCT_EXTERN_METHOD(initialize:(NSString *)secretKey
                   publishableKey:(NSString *)publishableKey
                   debugMode:(BOOL)debugMode
+                  applePayMerchantId:(id)applePayMerchantId
+                  googlePayMerchantId:(id)googlePayMerchantId
                   theme:(NSDictionary *)theme
                   resolver:(RCTPromiseResolveBlock)resolve
                   rejecter:(RCTPromiseRejectBlock)reject)
@@ -45,7 +47,6 @@ RCT_EXTERN_METHOD(presentCart:(id)accountId
 
 RCT_EXTERN_METHOD(presentOnboarding:(id)accountId
                   capabilities:(NSArray *)capabilities
-                  applePayMerchantId:(id)applePayMerchantId
                   resolver:(RCTPromiseResolveBlock)resolve
                   rejecter:(RCTPromiseRejectBlock)reject)
 
@@ -53,7 +54,6 @@ RCT_EXTERN_METHOD(presentApplePay:(NSString *)ownerType
                   ownerId:(NSString *)ownerId
                   amount:(nonnull NSNumber *)amount
                   currency:(NSString *)currency
-                  merchantId:(NSString *)merchantId
                   resolver:(RCTPromiseResolveBlock)resolve
                   rejecter:(RCTPromiseRejectBlock)reject)
 
@@ -68,8 +68,8 @@ RCT_EXTERN_METHOD(presentApplePay:(NSString *)ownerType
   return YES;
 }
 
-- (void)initialize:(NSString *)secretKey publishableKey:(NSString *)publishableKey debugMode:(BOOL)debugMode theme:(NSDictionary *)theme resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
-  [[[ObjCFrameSDKBridge alloc] init] initialize:secretKey publishableKey:publishableKey debugMode:debugMode theme:theme resolver:resolve rejecter:reject];
+- (void)initialize:(NSString *)secretKey publishableKey:(NSString *)publishableKey debugMode:(BOOL)debugMode applePayMerchantId:(id)applePayMerchantId googlePayMerchantId:(id)googlePayMerchantId theme:(NSDictionary *)theme resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
+  [[[ObjCFrameSDKBridge alloc] init] initialize:secretKey publishableKey:publishableKey debugMode:debugMode applePayMerchantId:applePayMerchantId googlePayMerchantId:googlePayMerchantId theme:theme resolver:resolve rejecter:reject];
 }
 
 - (void)presentCheckout:(id)accountId amount:(NSNumber *)amount resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
@@ -95,19 +95,19 @@ RCT_EXTERN_METHOD(presentApplePay:(NSString *)ownerType
   });
 }
 
-- (void)presentOnboarding:(id)accountId capabilities:(NSArray *)capabilities applePayMerchantId:(id)applePayMerchantId resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
+- (void)presentOnboarding:(id)accountId capabilities:(NSArray *)capabilities resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
   dispatch_async(dispatch_get_main_queue(), ^{
     UIViewController *topVC = FrameGetTopViewController();
     if (!topVC) {
       reject(@"NO_ROOT_VC", @"Could not find root view controller to present onboarding", nil);
       return;
     }
-    [[[ObjCFrameSDKBridge alloc] init] presentOnboardingFrom:topVC accountId:accountId capabilities:capabilities applePayMerchantId:applePayMerchantId resolver:resolve rejecter:reject];
+    [[[ObjCFrameSDKBridge alloc] init] presentOnboardingFrom:topVC accountId:accountId capabilities:capabilities resolver:resolve rejecter:reject];
   });
 }
 
-- (void)presentApplePay:(NSString *)ownerType ownerId:(NSString *)ownerId amount:(NSNumber *)amount currency:(NSString *)currency merchantId:(NSString *)merchantId resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
-  [[[ObjCFrameSDKBridge alloc] init] presentApplePay:ownerType ownerId:ownerId amount:amount.intValue currency:currency merchantId:merchantId resolver:resolve rejecter:reject];
+- (void)presentApplePay:(NSString *)ownerType ownerId:(NSString *)ownerId amount:(NSNumber *)amount currency:(NSString *)currency resolver:(RCTPromiseResolveBlock)resolve rejecter:(RCTPromiseRejectBlock)reject {
+  [[[ObjCFrameSDKBridge alloc] init] presentApplePay:ownerType ownerId:ownerId amount:amount.intValue currency:currency resolver:resolve rejecter:reject];
 }
 
 @end

package/ios/FrameSDKBridge.swift

@@ -20,11 +20,21 @@ public class FrameSDKBridge: NSObject {
   }
 
   @objc public
-  func initialize(_ secretKey: String, publishableKey: String, debugMode: Bool, theme: NSDictionary?, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
+  func initialize(_ secretKey: String, publishableKey: String, debugMode: Bool, applePayMerchantId: NSObject?, googlePayMerchantId: NSObject?, theme: NSDictionary?, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
     DispatchQueue.main.async {
       let themeDict = theme as? [String: Any] ?? [:]
       let resolvedTheme = themeDict.isEmpty ? FrameTheme.default : FrameRNTheme.parse(themeDict)
-      FrameNetworking.shared.initializeWithAPIKey(secretKey, publishableKey: publishableKey, theme: resolvedTheme, debugMode: debugMode)
+      // googlePayMerchantId is iOS-side ignored — frame-iOS has no Google Pay surface today.
+      // Accepted in the bridge signature so the JS Frame.initialize() API stays cross-platform.
+      _ = googlePayMerchantId
+      let applePayMerchantIdString = applePayMerchantId as? String
+      FrameNetworking.shared.initializeWithAPIKey(
+        secretKey,
+        publishableKey: publishableKey,
+        applePayMerchantId: applePayMerchantIdString,
+        theme: resolvedTheme,
+        debugMode: debugMode
+      )
       resolve(nil)
     }
   }
@@ -52,15 +62,14 @@ public class FrameSDKBridge: NSObject {
   }
 
   @objc public
-  func presentOnboarding(from viewController: UIViewController, accountId: NSObject?, capabilities: NSArray, applePayMerchantId: NSObject?, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
+  func presentOnboarding(from viewController: UIViewController, accountId: NSObject?, capabilities: NSArray, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
     let parsedCapabilities = parseCapabilities(capabilities)
     let accountIdString = accountId as? String
-    let merchantIdString = applePayMerchantId as? String
-    presentOnboardingOnMain(from: viewController, accountId: accountIdString, capabilities: parsedCapabilities, applePayMerchantId: merchantIdString, resolve: resolve, reject: reject)
+    presentOnboardingOnMain(from: viewController, accountId: accountIdString, capabilities: parsedCapabilities, resolve: resolve, reject: reject)
   }
 
   @objc public
-  func presentApplePay(_ ownerType: String, ownerId: String, amount: Int, currency: String, merchantId: String, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
+  func presentApplePay(_ ownerType: String, ownerId: String, amount: Int, currency: String, resolver resolve: @escaping RCTPromiseResolveBlock, rejecter reject: @escaping RCTPromiseRejectBlock) {
     DispatchQueue.main.async {
       Task { @MainActor in
         let owner: ApplePayPresenter.Owner
@@ -75,8 +84,9 @@ public class FrameSDKBridge: NSObject {
           reject("INVALID_OWNER", "owner.id must be non-empty", nil)
           return
         }
-        guard !merchantId.isEmpty else {
-          reject("INVALID_MERCHANT_ID", "merchantId must be non-empty", nil)
+        let configuredMerchantId = FrameNetworking.shared.applePayMerchantId ?? ""
+        guard !configuredMerchantId.isEmpty else {
+          reject("INVALID_MERCHANT_ID", "Apple Pay merchant ID is not configured. Pass `applePayMerchantId` to Frame.initialize().", nil)
           return
         }
         guard ApplePayPresenter.canMakePayments() else {
@@ -94,7 +104,6 @@ public class FrameSDKBridge: NSObject {
           amount: amount,
           currency: currency,
           owner: owner,
-          merchantId: merchantId,
           resolve: { resolve($0) },
           reject: { code, message, error in reject(code, message, error) }
         )
@@ -106,17 +115,21 @@ public class FrameSDKBridge: NSObject {
   // MARK: - Private helpers
 
   private func presentCheckoutOnMain(from top: UIViewController, accountId: String, amount: Int, resolve: @escaping RCTPromiseResolveBlock, reject: @escaping RCTPromiseRejectBlock) {
-    // Single dismiss delegate guards against double-resolve: the inner checkout
-    // calls `finish(.success)` with the transfer id; bare-dismiss (swipe-down
-    // without completing checkout) calls `finish(.cancel)`.
+    // Single dismiss delegate guards against double-resolve. The native FrameCheckoutView now
+    // emits `.cancelled` on its own .onDisappear and the bridge's
+    // `presentationControllerDidDismiss` ALSO fires on swipe-down — the delegate's `didFinish`
+    // guard prevents the double-resolve.
     let delegate = CheckoutDismissDelegate(resolve: resolve, reject: reject)
     let checkoutView = FrameCheckoutView(
       accountId: accountId,
       paymentAmount: amount,
-      checkoutCallback: { [weak top, delegate] success, transferId in
-        if success, let transferId {
-          delegate.finish(.success(transferId))
-        } else {
+      onResult: { [weak top, delegate] result in
+        switch result {
+        case .completed(let id):
+          delegate.finish(.success(id))
+        case .cancelled:
+          delegate.finish(.cancel)
+        case .failed:
           delegate.finish(.failure)
         }
         top?.dismiss(animated: true)
@@ -164,19 +177,22 @@ public class FrameSDKBridge: NSObject {
   }
 
   private func presentCartOnMain(from top: UIViewController, accountId: String, cartItems: [RNFrameCartItem], shippingAmountInCents: Int, resolve: @escaping RCTPromiseResolveBlock, reject: @escaping RCTPromiseRejectBlock) {
-    // Single dismiss delegate guards against double-resolve: the inner checkout
-    // calls `finish(.success)` with the transfer id; bare-dismiss (swipe-down
-    // without completing checkout) calls `finish(.cancel)`.
+    // Single dismiss delegate guards against double-resolve. The native FrameCartView's own
+    // .onDisappear emits `.cancelled`, and the bridge's `presentationControllerDidDismiss`
+    // also fires on swipe-down — the delegate's `didFinish` guard prevents re-resolve.
     let delegate = CartDismissDelegate(resolve: resolve, reject: reject)
     let cartView = FrameCartView(
       accountId: accountId,
       cartItems: cartItems,
       shippingAmountInCents: shippingAmountInCents,
-      checkoutCallback: { [weak top, delegate] success, transferId in
-        if success, let transferId {
-          delegate.finish(.success(transferId))
-        } else {
+      onResult: { [weak top, delegate] result in
+        switch result {
+        case .completed(let id):
+          delegate.finish(.success(id))
+        case .cancelled:
           delegate.finish(.cancel)
+        case .failed:
+          delegate.finish(.failure)
         }
         top?.dismiss(animated: true)
       }
@@ -192,21 +208,23 @@ public class FrameSDKBridge: NSObject {
     }
   }
 
-  private func presentOnboardingOnMain(from top: UIViewController, accountId: String?, capabilities: [FrameObjects.Capabilities], applePayMerchantId: String?, resolve: @escaping RCTPromiseResolveBlock, reject: @escaping RCTPromiseRejectBlock) {
-    // Build the dismiss delegate up-front so onComplete captures a non-nil
-    // instance directly. Earlier shape declared `var delegate: …!` and assigned
-    // it AFTER constructing OnboardingContainerView; the onComplete closure
-    // captured the local by reference, so any path that fired the callback
-    // before assignment landed on a nil delegate and silently no-op'd via `?.`.
+  private func presentOnboardingOnMain(from top: UIViewController, accountId: String?, capabilities: [FrameObjects.Capabilities], resolve: @escaping RCTPromiseResolveBlock, reject: @escaping RCTPromiseRejectBlock) {
+    // Build the dismiss delegate up-front so onResult captures a non-nil instance directly.
     let delegate = OnboardingDismissDelegate(resolve: resolve)
 
     let hosting = OnboardingHostingController(
       rootView: OnboardingContainerView(
         accountId: accountId,
         requiredCapabilities: capabilities,
-        applePayMerchantId: applePayMerchantId,
-        onComplete: { [delegate, weak top] in
-          delegate.finish(completed: true)
+        onResult: { [delegate, weak top] result in
+          switch result {
+          case .completed(let id):
+            delegate.finish(.completed(paymentMethodId: id.isEmpty ? nil : id))
+          case .cancelled:
+            delegate.finish(.cancelled)
+          case .failed:
+            delegate.finish(.cancelled)
+          }
           top?.dismiss(animated: true)
         }
       )
@@ -276,6 +294,7 @@ private final class CheckoutDismissDelegate: NSObject, UIAdaptivePresentationCon
 private final class CartDismissDelegate: NSObject, UIAdaptivePresentationControllerDelegate {
   enum Outcome {
     case success(String)
+    case failure
     case cancel
   }
 
@@ -294,6 +313,7 @@ private final class CartDismissDelegate: NSObject, UIAdaptivePresentationControl
     DispatchQueue.main.async { [resolve, reject] in
       switch outcome {
       case .success(let transferId): resolve(transferId)
+      case .failure: reject("PAYMENT_FAILED", "Cart checkout did not produce a transfer id", nil)
       case .cancel: reject("USER_CANCELED", "User dismissed cart without completing checkout", nil)
       }
     }
@@ -305,6 +325,11 @@ private final class CartDismissDelegate: NSObject, UIAdaptivePresentationControl
 }
 
 private final class OnboardingDismissDelegate: NSObject, UIAdaptivePresentationControllerDelegate {
+  enum Outcome {
+    case completed(paymentMethodId: String?)
+    case cancelled
+  }
+
   let resolve: RCTPromiseResolveBlock
   weak var hostingController: UIViewController?
   var didFinish = false
@@ -313,11 +338,18 @@ private final class OnboardingDismissDelegate: NSObject, UIAdaptivePresentationC
     self.resolve = resolve
   }
 
-  func finish(completed: Bool) {
+  func finish(_ outcome: Outcome) {
     guard !didFinish else { return }
     didFinish = true
-    DispatchQueue.main.async { [resolve, completed] in
-      resolve(["status": completed ? "completed" : "cancelled"])
+    DispatchQueue.main.async { [resolve] in
+      switch outcome {
+      case .completed(let paymentMethodId):
+        var payload: [String: Any] = ["status": "completed"]
+        if let paymentMethodId { payload["paymentMethodId"] = paymentMethodId }
+        resolve(payload)
+      case .cancelled:
+        resolve(["status": "cancelled"])
+      }
     }
   }
 
@@ -326,7 +358,7 @@ private final class OnboardingDismissDelegate: NSObject, UIAdaptivePresentationC
     // callback to the Onboarding host's delegate. Only treat dismissal of the
     // Onboarding hosting controller itself as a cancellation.
     guard presentationController.presentedViewController === hostingController else { return }
-    finish(completed: false)
+    finish(.cancelled)
   }
 }
 

package/lib/native.d.ts

@@ -6,6 +6,18 @@ export declare function initialize(options: {
     secretKey: string;
     publishableKey: string;
     debugMode?: boolean;
+    /**
+     * Apple Pay merchant ID configured in your Apple Developer account. Applied to every
+     * Apple Pay surface (presentApplePay, the bundled checkout's wallet row, the
+     * onboarding wallet attach button). iOS-only — ignored on Android.
+     */
+    applePayMerchantId?: string;
+    /**
+     * Google Pay merchant ID from the Google Pay & Wallet Console. Applied to every
+     * Google Pay surface (presentGooglePay, the bundled checkout's wallet row, the
+     * onboarding wallet attach button). Android-only — ignored on iOS.
+     */
+    googlePayMerchantId?: string;
     /**
      * Optional theme applied SDK-wide to Frame's reusable iOS components
      * (checkout, cart, onboarding). Pass any subset — unspecified tokens fall
@@ -41,8 +53,6 @@ export declare function presentCart(options: {
 export declare function presentOnboarding(options: {
     accountId?: string | null;
     capabilities?: OnboardingCapability[];
-    applePayMerchantId?: string | null;
-    googlePayMerchantId?: string | null;
 }): Promise<OnboardingResult>;
 /**
  * Presents the Apple Pay sheet and creates a charge from the resulting wallet

package/lib/native.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"native.d.ts","sourceRoot":"","sources":["../src/native.ts"],"names":[],"mappings":"AAAA;;GAEG;AAGH,OAAO,KAAK,EACV,aAAa,EACb,UAAU,EACV,oBAAoB,EACpB,gBAAgB,EAChB,sBAAsB,EACtB,uBAAuB,EACxB,MAAM,SAAS,CAAC;AAiCjB,wBAAgB,UAAU,CAAC,OAAO,EAAE;IAClC,SAAS,EAAE,MAAM,CAAC;IAClB,cAAc,EAAE,MAAM,CAAC;IACvB,SAAS,CAAC,EAAE,OAAO,CAAC;IACpB;;;;;OAKG;IACH,KAAK,CAAC,EAAE,UAAU,CAAC;CACpB,GAAG,OAAO,CAAC,IAAI,CAAC,CAoBhB;AAwBD;;;;;;;;GAQG;AACH,wBAAgB,eAAe,CAAC,OAAO,EAAE;IACvC,SAAS,EAAE,MAAM,CAAC;IAClB,MAAM,EAAE,MAAM,CAAC;CAChB,GAAG,OAAO,CAAC,MAAM,CAAC,CAQlB;AAED;;;;;GAKG;AACH,wBAAgB,WAAW,CAAC,OAAO,EAAE;IACnC,SAAS,EAAE,MAAM,CAAC;IAClB,KAAK,EAAE,aAAa,EAAE,CAAC;IACvB,qBAAqB,EAAE,MAAM,CAAC;CAC/B,GAAG,OAAO,CAAC,MAAM,CAAC,CAYlB;AAED,wBAAgB,iBAAiB,CAAC,OAAO,EAAE;IACzC,SAAS,CAAC,EAAE,MAAM,GAAG,IAAI,CAAC;IAC1B,YAAY,CAAC,EAAE,oBAAoB,EAAE,CAAC;IACtC,kBAAkB,CAAC,EAAE,MAAM,GAAG,IAAI,CAAC;IACnC,mBAAmB,CAAC,EAAE,MAAM,GAAG,IAAI,CAAC;CACrC,GAAG,OAAO,CAAC,gBAAgB,CAAC,CAkB5B;AAED;;;;;;;GAOG;AACH,wBAAgB,eAAe,CAAC,OAAO,EAAE,sBAAsB,GAAG,OAAO,CAAC,MAAM,CAAC,CAuBhF;AAED;;;;;;GAMG;AACH,wBAAgB,gBAAgB,CAAC,OAAO,EAAE,uBAAuB,GAAG,OAAO,CAAC,MAAM,CAAC,CAoBlF"}
+{"version":3,"file":"native.d.ts","sourceRoot":"","sources":["../src/native.ts"],"names":[],"mappings":"AAAA;;GAEG;AAGH,OAAO,KAAK,EACV,aAAa,EACb,UAAU,EACV,oBAAoB,EACpB,gBAAgB,EAChB,sBAAsB,EACtB,uBAAuB,EACxB,MAAM,SAAS,CAAC;AAiCjB,wBAAgB,UAAU,CAAC,OAAO,EAAE;IAClC,SAAS,EAAE,MAAM,CAAC;IAClB,cAAc,EAAE,MAAM,CAAC;IACvB,SAAS,CAAC,EAAE,OAAO,CAAC;IACpB;;;;OAIG;IACH,kBAAkB,CAAC,EAAE,MAAM,CAAC;IAC5B;;;;OAIG;IACH,mBAAmB,CAAC,EAAE,MAAM,CAAC;IAC7B;;;;;OAKG;IACH,KAAK,CAAC,EAAE,UAAU,CAAC;CACpB,GAAG,OAAO,CAAC,IAAI,CAAC,CAsBhB;AAwBD;;;;;;;;GAQG;AACH,wBAAgB,eAAe,CAAC,OAAO,EAAE;IACvC,SAAS,EAAE,MAAM,CAAC;IAClB,MAAM,EAAE,MAAM,CAAC;CAChB,GAAG,OAAO,CAAC,MAAM,CAAC,CAQlB;AAED;;;;;GAKG;AACH,wBAAgB,WAAW,CAAC,OAAO,EAAE;IACnC,SAAS,EAAE,MAAM,CAAC;IAClB,KAAK,EAAE,aAAa,EAAE,CAAC;IACvB,qBAAqB,EAAE,MAAM,CAAC;CAC/B,GAAG,OAAO,CAAC,MAAM,CAAC,CAYlB;AAED,wBAAgB,iBAAiB,CAAC,OAAO,EAAE;IACzC,SAAS,CAAC,EAAE,MAAM,GAAG,IAAI,CAAC;IAC1B,YAAY,CAAC,EAAE,oBAAoB,EAAE,CAAC;CACvC,GAAG,OAAO,CAAC,gBAAgB,CAAC,CAQ5B;AAED;;;;;;;GAOG;AACH,wBAAgB,eAAe,CAAC,OAAO,EAAE,sBAAsB,GAAG,OAAO,CAAC,MAAM,CAAC,CAmBhF;AAED;;;;;;GAMG;AACH,wBAAgB,gBAAgB,CAAC,OAAO,EAAE,uBAAuB,GAAG,OAAO,CAAC,MAAM,CAAC,CAmBlF"}

package/lib/native.js

@@ -34,7 +34,7 @@ export function initialize(options) {
     if (options.theme !== undefined && (typeof options.theme !== 'object' || Array.isArray(options.theme))) {
         throwCoded(ErrorCodes.INIT_FAILED, 'Frame.initialize: theme must be an object');
     }
-    return wrapPromise(FrameSDK.initialize(options.secretKey, options.publishableKey, options.debugMode ?? false, options.theme ?? null)).then(() => {
+    return wrapPromise(FrameSDK.initialize(options.secretKey, options.publishableKey, options.debugMode ?? false, options.applePayMerchantId ?? null, options.googlePayMerchantId ?? null, options.theme ?? null)).then(() => {
         isInitialized = true;
     });
 }
@@ -89,10 +89,7 @@ export function presentCart(options) {
 }
 export function presentOnboarding(options) {
     guardInitialized();
-    if (Platform.OS === 'ios') {
-        return wrapPromise(FrameSDK.presentOnboarding(options.accountId ?? null, options.capabilities ?? [], options.applePayMerchantId ?? null));
-    }
-    return wrapPromise(FrameSDK.presentOnboarding(options.accountId ?? null, options.capabilities ?? [], options.googlePayMerchantId ?? null));
+    return wrapPromise(FrameSDK.presentOnboarding(options.accountId ?? null, options.capabilities ?? []));
 }
 /**
  * Presents the Apple Pay sheet and creates a charge from the resulting wallet
@@ -113,10 +110,7 @@ export function presentApplePay(options) {
     if (!options.owner.id) {
         throwCoded(ErrorCodes.INVALID_OWNER, 'Frame.presentApplePay requires owner.id');
     }
-    if (!options.merchantId) {
-        throwCoded(ErrorCodes.INVALID_MERCHANT_ID, 'Frame.presentApplePay requires merchantId');
-    }
-    return wrapPromise(FrameSDK.presentApplePay(options.owner.type, options.owner.id, options.amount, options.currency ?? 'usd', options.merchantId));
+    return wrapPromise(FrameSDK.presentApplePay(options.owner.type, options.owner.id, options.amount, options.currency ?? 'usd'));
 }
 /**
  * Presents Google Pay and creates a charge from the resulting wallet payment method.
@@ -136,5 +130,5 @@ export function presentGooglePay(options) {
     if (!options.owner.id) {
         throwCoded(ErrorCodes.INVALID_OWNER, 'Frame.presentGooglePay requires owner.id');
     }
-    return wrapPromise(FrameSDK.presentGooglePay(options.amountCents, options.owner.type, options.owner.id, options.currencyCode ?? 'USD', options.googlePayMerchantId ?? null));
+    return wrapPromise(FrameSDK.presentGooglePay(options.amountCents, options.owner.type, options.owner.id, options.currencyCode ?? 'USD'));
 }

package/lib/types.d.ts

@@ -79,7 +79,12 @@ export type WalletOwner = {
 };
 /** @deprecated Use {@link WalletOwner}. Retained as an alias for source compatibility. */
 export type ApplePayOwner = WalletOwner;
-/** Options for Frame.presentApplePay. */
+/**
+ * Options for Frame.presentApplePay.
+ *
+ * The Apple Pay merchant ID is set once at `Frame.initialize({ applePayMerchantId })`. There is
+ * no per-call merchant ID parameter — the SDK reads it from the singleton at present time.
+ */
 export interface PresentApplePayOptions {
     /** Payment amount in cents. */
     amount: number;
@@ -87,10 +92,13 @@ export interface PresentApplePayOptions {
     currency?: string;
     /** Customer or account that owns the resulting payment method and charge. */
     owner: WalletOwner;
-    /** Apple Pay merchant ID configured in your Apple Developer account. */
-    merchantId: string;
 }
-/** Options for Frame.presentGooglePay. */
+/**
+ * Options for Frame.presentGooglePay.
+ *
+ * The Google Pay merchant ID is set once at `Frame.initialize({ googlePayMerchantId })`. There
+ * is no per-call merchant ID parameter — the SDK reads it from the singleton at present time.
+ */
 export interface PresentGooglePayOptions {
     /** Payment amount in cents. */
     amountCents: number;
@@ -98,8 +106,6 @@ export interface PresentGooglePayOptions {
     owner: WalletOwner;
     /** ISO 4217 currency code. Defaults to 'USD'. */
     currencyCode?: string;
-    /** Optional override for the Google Pay merchant ID. */
-    googlePayMerchantId?: string;
 }
 /**
  * Theming for Frame's reusable iOS components (checkout, cart, onboarding).

package/lib/types.d.ts.map

@@ -1 +1 @@
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "framepayments-react-native",
-  "version": "3.0.0",
+  "version": "3.0.1",
   "description": "React Native SDK for Frame Payments - modal checkout and cart, with API usage via frame-node.",
   "main": "lib/index.js",
   "types": "lib/index.d.ts",
@@ -34,8 +34,8 @@
     "react-native": ">=0.81.0"
   },
   "frameNativeVersions": {
-    "ios": "2.2.2",
-    "android": "2.0.8"
+    "ios": "2.2.3",
+    "android": "2.0.9"
   },
   "devDependencies": {
     "@types/jest": "^29.5.0",

package/src/__tests__/native.test.ts

@@ -3,12 +3,12 @@
  * presentApplePay, presentGooglePay, presentOnboarding). NativeModules.FrameSDK is mocked.
  */
 
-const mockInitialize = jest.fn((_secretKey: string, _publishableKey: string, _debugMode: boolean) => Promise.resolve());
+const mockInitialize = jest.fn((_secretKey: string, _publishableKey: string, _debugMode: boolean, _applePayMerchantId: string | null, _googlePayMerchantId: string | null, _theme: unknown) => Promise.resolve());
 const mockPresentCheckout = jest.fn((_accountId: unknown, _amount: number) => Promise.resolve('tr_1'));
 const mockPresentCart = jest.fn((_accountId: unknown, _items: unknown[], _shipping: number) => Promise.resolve('tr_2'));
-const mockPresentApplePay = jest.fn((_ownerType: string, _ownerId: string, _amount: number, _currency: string, _merchantId: string) => Promise.resolve('tr_3'));
-const mockPresentGooglePay = jest.fn((_amountCents: number, _ownerType: string, _ownerId: string, _currencyCode: string, _googlePayMerchantId: string | null) => Promise.resolve('tr_4'));
-const mockPresentOnboarding = jest.fn((_accountId: unknown, _capabilities: unknown[], _merchantId: string | null) => Promise.resolve({ status: 'completed', paymentMethodId: 'pm_1' }));
+const mockPresentApplePay = jest.fn((_ownerType: string, _ownerId: string, _amount: number, _currency: string) => Promise.resolve('tr_3'));
+const mockPresentGooglePay = jest.fn((_amountCents: number, _ownerType: string, _ownerId: string, _currencyCode: string) => Promise.resolve('tr_4'));
+const mockPresentOnboarding = jest.fn((_accountId: unknown, _capabilities: unknown[]) => Promise.resolve({ status: 'completed', paymentMethodId: 'pm_1' }));
 
 const mockPlatform = { OS: 'ios' as 'ios' | 'android' };
 
@@ -27,16 +27,16 @@ jest.mock('react-native', () => ({
 }));
 
 // Re-import after mock so we get the mocked NativeModules
-let initialize: (opts: { secretKey: string; publishableKey: string; debugMode?: boolean }) => Promise<void>;
+let initialize: (opts: { secretKey: string; publishableKey: string; debugMode?: boolean; applePayMerchantId?: string; googlePayMerchantId?: string }) => Promise<void>;
 let presentCheckout: (opts: { accountId: string; amount: number }) => Promise<string>;
 let presentCart: (opts: {
   accountId: string;
   items: Array<{ id: string; title: string; amountInCents: number; imageUrl: string }>;
   shippingAmountInCents: number;
 }) => Promise<string>;
-let presentApplePay: (opts: { amount: number; currency?: string; owner: { type: 'customer' | 'account'; id: string }; merchantId: string }) => Promise<string>;
-let presentGooglePay: (opts: { amountCents: number; owner: { type: 'customer' | 'account'; id: string }; currencyCode?: string; googlePayMerchantId?: string }) => Promise<string>;
-let presentOnboarding: (opts: { accountId?: string | null; capabilities?: string[]; applePayMerchantId?: string | null; googlePayMerchantId?: string | null }) => Promise<unknown>;
+let presentApplePay: (opts: { amount: number; currency?: string; owner: { type: 'customer' | 'account'; id: string } }) => Promise<string>;
+let presentGooglePay: (opts: { amountCents: number; owner: { type: 'customer' | 'account'; id: string }; currencyCode?: string }) => Promise<string>;
+let presentOnboarding: (opts: { accountId?: string | null; capabilities?: string[] }) => Promise<unknown>;
 
 beforeEach(() => {
   jest.resetModules();
@@ -57,15 +57,33 @@ beforeEach(() => {
 });
 
 describe('initialize', () => {
-  it('calls native FrameSDK.initialize with secretKey, publishableKey, and debugMode', () => {
+  it('calls native FrameSDK.initialize with all six positional args', () => {
     initialize({ secretKey: 'sk_test_xxx', publishableKey: 'pk_test_xxx', debugMode: true });
     expect(mockInitialize).toHaveBeenCalledTimes(1);
-    expect(mockInitialize).toHaveBeenCalledWith('sk_test_xxx', 'pk_test_xxx', true, null);
+    expect(mockInitialize).toHaveBeenCalledWith('sk_test_xxx', 'pk_test_xxx', true, null, null, null);
   });
 
-  it('defaults debugMode to false', () => {
+  it('defaults debugMode to false and both merchant IDs to null', () => {
     initialize({ secretKey: 'sk_test_yyy', publishableKey: 'pk_test_yyy' });
-    expect(mockInitialize).toHaveBeenCalledWith('sk_test_yyy', 'pk_test_yyy', false, null);
+    expect(mockInitialize).toHaveBeenCalledWith('sk_test_yyy', 'pk_test_yyy', false, null, null, null);
+  });
+
+  it('forwards applePayMerchantId to native init', () => {
+    initialize({
+      secretKey: 'sk_test',
+      publishableKey: 'pk_test',
+      applePayMerchantId: 'merchant.com.example',
+    });
+    expect(mockInitialize).toHaveBeenCalledWith('sk_test', 'pk_test', false, 'merchant.com.example', null, null);
+  });
+
+  it('forwards googlePayMerchantId to native init', () => {
+    initialize({
+      secretKey: 'sk_test',
+      publishableKey: 'pk_test',
+      googlePayMerchantId: 'BCR2DN4T...',
+    });
+    expect(mockInitialize).toHaveBeenCalledWith('sk_test', 'pk_test', false, null, 'BCR2DN4T...', null);
   });
 
   it('throws if secretKey is missing', () => {
@@ -153,7 +171,7 @@ describe('presentCart', () => {
 describe('presentApplePay', () => {
   it('throws NOT_INITIALIZED if initialize was not called', async () => {
     try {
-      await presentApplePay({ amount: 100, owner: { type: 'account', id: 'acct_1' }, merchantId: 'merchant.test' });
+      await presentApplePay({ amount: 100, owner: { type: 'account', id: 'acct_1' } });
       expect(true).toBe(false);
     } catch (e: any) {
       expect(e.code).toBe('NOT_INITIALIZED');
@@ -164,7 +182,7 @@ describe('presentApplePay', () => {
   it('throws INVALID_OWNER when owner is missing', async () => {
     await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
     try {
-      await presentApplePay({ amount: 100, merchantId: 'merchant.test' } as any);
+      await presentApplePay({ amount: 100 } as any);
       expect(true).toBe(false);
     } catch (e: any) {
       expect(e.code).toBe('INVALID_OWNER');
@@ -175,7 +193,7 @@ describe('presentApplePay', () => {
   it('throws INVALID_OWNER when owner.id is empty', async () => {
     await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
     try {
-      await presentApplePay({ amount: 100, owner: { type: 'account', id: '' }, merchantId: 'merchant.test' });
+      await presentApplePay({ amount: 100, owner: { type: 'account', id: '' } });
       expect(true).toBe(false);
     } catch (e: any) {
       expect(e.code).toBe('INVALID_OWNER');
@@ -183,43 +201,30 @@ describe('presentApplePay', () => {
     expect(mockPresentApplePay).not.toHaveBeenCalled();
   });
 
-  it('throws INVALID_MERCHANT_ID when merchantId is missing', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    try {
-      await presentApplePay({ amount: 100, owner: { type: 'account', id: 'acct_1' } } as any);
-      expect(true).toBe(false);
-    } catch (e: any) {
-      expect(e.code).toBe('INVALID_MERCHANT_ID');
-    }
-    expect(mockPresentApplePay).not.toHaveBeenCalled();
-  });
-
   it('forwards account owner; resolves with transfer id string', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', applePayMerchantId: 'merchant.test' });
     const result = await presentApplePay({
       amount: 12345,
       currency: 'usd',
       owner: { type: 'account', id: 'acct_1' },
-      merchantId: 'merchant.test',
     });
-    expect(mockPresentApplePay).toHaveBeenCalledWith('account', 'acct_1', 12345, 'usd', 'merchant.test');
+    expect(mockPresentApplePay).toHaveBeenCalledWith('account', 'acct_1', 12345, 'usd');
     expect(result).toBe('tr_3');
   });
 
   it('forwards customer owner; resolves with charge intent id string', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', applePayMerchantId: 'merchant.test' });
     await presentApplePay({
       amount: 9999,
       owner: { type: 'customer', id: 'cus_1' },
-      merchantId: 'merchant.test',
     });
-    expect(mockPresentApplePay).toHaveBeenCalledWith('customer', 'cus_1', 9999, 'usd', 'merchant.test');
+    expect(mockPresentApplePay).toHaveBeenCalledWith('customer', 'cus_1', 9999, 'usd');
   });
 
   it('defaults currency to usd', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    await presentApplePay({ amount: 100, owner: { type: 'account', id: 'acct_1' }, merchantId: 'merchant.test' });
-    expect(mockPresentApplePay).toHaveBeenCalledWith('account', 'acct_1', 100, 'usd', 'merchant.test');
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', applePayMerchantId: 'merchant.test' });
+    await presentApplePay({ amount: 100, owner: { type: 'account', id: 'acct_1' } });
+    expect(mockPresentApplePay).toHaveBeenCalledWith('account', 'acct_1', 100, 'usd');
   });
 });
 
@@ -262,30 +267,29 @@ describe('presentGooglePay', () => {
   });
 
   it('forwards account owner; resolves with transfer id string', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', googlePayMerchantId: 'BCR2DN4T...' });
     const result = await presentGooglePay({
       amountCents: 9999,
       owner: { type: 'account', id: 'acct_1' },
       currencyCode: 'EUR',
-      googlePayMerchantId: 'BCR2DN4T...',
     });
-    expect(mockPresentGooglePay).toHaveBeenCalledWith(9999, 'account', 'acct_1', 'EUR', 'BCR2DN4T...');
+    expect(mockPresentGooglePay).toHaveBeenCalledWith(9999, 'account', 'acct_1', 'EUR');
     expect(result).toBe('tr_4');
   });
 
   it('forwards customer owner; resolves with charge intent id string', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', googlePayMerchantId: 'BCR2DN4T...' });
     await presentGooglePay({
       amountCents: 4242,
       owner: { type: 'customer', id: 'cus_1' },
     });
-    expect(mockPresentGooglePay).toHaveBeenCalledWith(4242, 'customer', 'cus_1', 'USD', null);
+    expect(mockPresentGooglePay).toHaveBeenCalledWith(4242, 'customer', 'cus_1', 'USD');
   });
 
-  it('defaults currencyCode to USD and merchantId to null', async () => {
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
+  it('defaults currencyCode to USD', async () => {
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', googlePayMerchantId: 'BCR2DN4T...' });
     await presentGooglePay({ amountCents: 100, owner: { type: 'account', id: 'acct_1' } });
-    expect(mockPresentGooglePay).toHaveBeenCalledWith(100, 'account', 'acct_1', 'USD', null);
+    expect(mockPresentGooglePay).toHaveBeenCalledWith(100, 'account', 'acct_1', 'USD');
   });
 });
 
@@ -301,46 +305,23 @@ describe('presentOnboarding', () => {
     expect(mockPresentOnboarding).not.toHaveBeenCalled();
   });
 
-  it('calls native presentOnboarding with accountId, capabilities, and null merchantId after initialize on iOS', async () => {
-    mockPlatform.OS = 'ios';
+  it('calls native presentOnboarding with accountId and capabilities only — no merchant params', async () => {
     await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
     const result = await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc', 'bank_account_verification'] });
-    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc', 'bank_account_verification'], null);
+    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc', 'bank_account_verification']);
     expect(result).toEqual({ status: 'completed', paymentMethodId: 'pm_1' });
   });
 
-  it('passes null for accountId and empty array for capabilities when not provided on iOS', async () => {
-    mockPlatform.OS = 'ios';
+  it('passes null accountId and empty array for capabilities when not provided', async () => {
     await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
     await presentOnboarding({});
-    expect(mockPresentOnboarding).toHaveBeenCalledWith(null, [], null);
-  });
-
-  it('forwards applePayMerchantId on iOS', async () => {
-    mockPlatform.OS = 'ios';
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc'], applePayMerchantId: 'merchant.com.example' });
-    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc'], 'merchant.com.example');
+    expect(mockPresentOnboarding).toHaveBeenCalledWith(null, []);
   });
 
-  it('ignores applePayMerchantId on Android', async () => {
+  it('behaves the same on Android — merchant IDs are init-only across both platforms', async () => {
     mockPlatform.OS = 'android';
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc'], applePayMerchantId: 'merchant.com.example' });
-    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc'], null);
-  });
-
-  it('forwards googlePayMerchantId to native presentOnboarding on Android', async () => {
-    mockPlatform.OS = 'android';
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc'], googlePayMerchantId: 'BCR2DN4T...' });
-    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc'], 'BCR2DN4T...');
-  });
-
-  it('ignores googlePayMerchantId on iOS', async () => {
-    mockPlatform.OS = 'ios';
-    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx' });
-    await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc'], googlePayMerchantId: 'BCR2DN4T...' });
-    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc'], null);
+    await initialize({ secretKey: 'sk_xxx', publishableKey: 'pk_xxx', googlePayMerchantId: 'BCR2DN4T...' });
+    await presentOnboarding({ accountId: 'acct_1', capabilities: ['kyc'] });
+    expect(mockPresentOnboarding).toHaveBeenCalledWith('acct_1', ['kyc']);
   });
 });

package/src/native.ts

@@ -47,6 +47,18 @@ export function initialize(options: {
   secretKey: string;
   publishableKey: string;
   debugMode?: boolean;
+  /**
+   * Apple Pay merchant ID configured in your Apple Developer account. Applied to every
+   * Apple Pay surface (presentApplePay, the bundled checkout's wallet row, the
+   * onboarding wallet attach button). iOS-only — ignored on Android.
+   */
+  applePayMerchantId?: string;
+  /**
+   * Google Pay merchant ID from the Google Pay & Wallet Console. Applied to every
+   * Google Pay surface (presentGooglePay, the bundled checkout's wallet row, the
+   * onboarding wallet attach button). Android-only — ignored on iOS.
+   */
+  googlePayMerchantId?: string;
   /**
    * Optional theme applied SDK-wide to Frame's reusable iOS components
    * (checkout, cart, onboarding). Pass any subset — unspecified tokens fall
@@ -69,6 +81,8 @@ export function initialize(options: {
       options.secretKey,
       options.publishableKey,
       options.debugMode ?? false,
+      options.applePayMerchantId ?? null,
+      options.googlePayMerchantId ?? null,
       options.theme ?? null
     )
   ).then(() => {
@@ -147,24 +161,12 @@ export function presentCart(options: {
 export function presentOnboarding(options: {
   accountId?: string | null;
   capabilities?: OnboardingCapability[];
-  applePayMerchantId?: string | null;
-  googlePayMerchantId?: string | null;
 }): Promise<OnboardingResult> {
   guardInitialized();
-  if (Platform.OS === 'ios') {
-    return wrapPromise(
-      FrameSDK.presentOnboarding(
-        options.accountId ?? null,
-        options.capabilities ?? [],
-        options.applePayMerchantId ?? null
-      )
-    );
-  }
   return wrapPromise(
     FrameSDK.presentOnboarding(
       options.accountId ?? null,
-      options.capabilities ?? [],
-      options.googlePayMerchantId ?? null
+      options.capabilities ?? []
     )
   );
 }
@@ -188,16 +190,12 @@ export function presentApplePay(options: PresentApplePayOptions): Promise<string
   if (!options.owner.id) {
     throwCoded(ErrorCodes.INVALID_OWNER, 'Frame.presentApplePay requires owner.id');
   }
-  if (!options.merchantId) {
-    throwCoded(ErrorCodes.INVALID_MERCHANT_ID, 'Frame.presentApplePay requires merchantId');
-  }
   return wrapPromise(
     FrameSDK.presentApplePay(
       options.owner.type,
       options.owner.id,
       options.amount,
-      options.currency ?? 'usd',
-      options.merchantId
+      options.currency ?? 'usd'
     )
   );
 }
@@ -225,8 +223,7 @@ export function presentGooglePay(options: PresentGooglePayOptions): Promise<stri
       options.amountCents,
       options.owner.type,
       options.owner.id,
-      options.currencyCode ?? 'USD',
-      options.googlePayMerchantId ?? null
+      options.currencyCode ?? 'USD'
     )
   );
 }

package/src/types.ts

@@ -100,7 +100,12 @@ export type WalletOwner =
 /** @deprecated Use {@link WalletOwner}. Retained as an alias for source compatibility. */
 export type ApplePayOwner = WalletOwner;
 
-/** Options for Frame.presentApplePay. */
+/**
+ * Options for Frame.presentApplePay.
+ *
+ * The Apple Pay merchant ID is set once at `Frame.initialize({ applePayMerchantId })`. There is
+ * no per-call merchant ID parameter — the SDK reads it from the singleton at present time.
+ */
 export interface PresentApplePayOptions {
   /** Payment amount in cents. */
   amount: number;
@@ -108,11 +113,14 @@ export interface PresentApplePayOptions {
   currency?: string;
   /** Customer or account that owns the resulting payment method and charge. */
   owner: WalletOwner;
-  /** Apple Pay merchant ID configured in your Apple Developer account. */
-  merchantId: string;
 }
 
-/** Options for Frame.presentGooglePay. */
+/**
+ * Options for Frame.presentGooglePay.
+ *
+ * The Google Pay merchant ID is set once at `Frame.initialize({ googlePayMerchantId })`. There
+ * is no per-call merchant ID parameter — the SDK reads it from the singleton at present time.
+ */
 export interface PresentGooglePayOptions {
   /** Payment amount in cents. */
   amountCents: number;
@@ -120,8 +128,6 @@ export interface PresentGooglePayOptions {
   owner: WalletOwner;
   /** ISO 4217 currency code. Defaults to 'USD'. */
   currencyCode?: string;
-  /** Optional override for the Google Pay merchant ID. */
-  googlePayMerchantId?: string;
 }
 
 /**