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Enriched account helpers are available for display and server-backed audit flows; **regulatory PDF documents are not generated from this package.**\n\n## Core: account information (typical app)\n\n1. **Configure** the API host and your **client id** (from the AcountPay dashboard). You can set `API_BASE_URL` and `ACOUNTPAY_CLIENT_ID` in a `.env` file (see `.env.example`) and use `Account.fromEnv()` in Node, or pass `new Account({ clientId, apiBaseUrl })` in the browser.\n2. **Consent:** `linkAccount` with `ACCOUNT_PERMISSIONS` (user completes bank flow / MitID as required).\n3. **List accounts:** `getLinkedAccounts` (balances are included when the bank returns them for that call).\n4. **Balance (when missing on list):** `getAccountBalance` — calls Token.io’s balance endpoint with consent (same pattern as the dashboard/JWT `POST /v1/ais/accounts/balance`).\n5. **Transactions:** `getTransactions` for a chosen `accountId` and date range.\n\n```typescript\nimport Account, { ACCOUNT_PERMISSIONS } from '@acountpay/ais-sdk';\n\nconst account = new Account({\n  clientId: process.env.ACOUNTPAY_CLIENT_ID!,\n  apiBaseUrl: process.env.API_BASE_URL, // optional; normalizes to include /v1\n});\n\n// or: const account = Account.fromEnv();\n\nconst link = await account.linkAccount({\n  userId: 'user_…',\n  permissions: [\n    ACCOUNT_PERMISSIONS.READ_ACCOUNTS_DETAIL,\n    ACCOUNT_PERMISSIONS.READ_BALANCES,\n    ACCOUNT_PERMISSIONS.READ_TRANSACTIONS_DETAIL,\n  ],\n});\n// Redirect to link.authorizationUrl / linkUrl when present\n\nconst { accounts } = await account.getLinkedAccounts({ userId: 'user_…' });\n// If accounts[0].balance is undefined, many banks only expose balance on a dedicated call:\nconst bal = await account.getAccountBalance({\n  userId: 'user_…',\n  accountId: accounts[0].accountId,\n});\nconst { transactions } = await account.getTransactions({\n  userId: 'user_…',\n  accountId: accounts[0].accountId,\n  fromDate: '2025-01-01',\n  toDate: '2025-01-31',\n});\n```\n\n## Who needs what\n\n| Goal | Use these SDK methods |\n|------|------------------------|\n| **Your own app** (balances, tx history, account picker) | `linkAccount`, then `getLinkedAccounts`, optionally `getAccountBalance`, then `getTransactions` (and your backend or JWT APIs if you use them). |\n| **Enriched account data for UI or backend audit** | `getAccountInformationForCompliance`, `storeAccountInformationRequest` (no client-side PDF). |\n\n**Server-side security:** This SDK no longer calls the compliance PDF HTTP endpoint. Your API may still expose `POST /sdk/generate-compliance-pdf`; restrict it to internal or trusted services so merchants cannot create sensitive documents with public credentials alone.\n\nThe **`npm test`** script (`test-node.js`) runs **link, accounts, balance (if backend supports it), transactions**. Optional verbose SDK logs:\n\n```bash\nACOUNT_SDK_DEBUG=1 node test-node.js\n```\n\n**SDK logging:** by default the package does not emit verbose logs. Set `ACOUNT_SDK_DEBUG=1` in Node or `window.ACOUNT_SDK_DEBUG = true` in the browser to print URLs and payloads (useful when integrating).\n\n## Installation\n\n```bash\nnpm install @acountpay/ais-sdk\n```\n\n## Local demo (browser)\n\nAfter `npm run build`, from this directory run `python3 -m http.server 8080` and open [http://localhost:8080/index.html](http://localhost:8080/index.html) for a step-by-step **Link, Accounts, Transactions** UI. For optional enriched account and store-audit steps, use `test.html` instead.\n\n## Payments (optional)\n\n### Initialize the SDK\n\nSame constructor as above. `clientId` is your SDK client id from the dashboard.\n\n### Process Payments\n\n```typescript\n// Initiate a payment\nawait account.initiatePayment({\n  amount: 100.00,\n  referenceNumber: 'REF-12345'\n});\n// User gets redirected to Token.io payment page\n```\n\n## API Reference\n\n### Account Class\n\n#### Constructor\n```typescript\nnew Account({ clientId: string; apiBaseUrl?: string })\n```\n\n#### `Account.fromEnv(overrides?)` (Node)\n```typescript\nAccount.fromEnv({ clientId?: string; apiBaseUrl?: string })\n```\nUses `ACOUNTPAY_CLIENT_ID` and optional `API_BASE_URL` from `process.env` unless overridden.\n\n#### Methods\n\n##### `initiatePayment(options)`\nInitiates a payment and redirects user to Token.io hosted payment page.\n\n**Parameters:**\n- `amount: number` - Payment amount\n- `referenceNumber: string` - Unique reference number\n\n**Returns:** `Promise<void>`\n\n##### `linkAccount(options)`\nLinks a customer's bank account for accessing financial data.\n\n**Parameters:**\n- `userId: string` - Customer's user ID\n- `permissions: string[]` - Array of permission strings (`ACCOUNT_PERMISSIONS`)\n- `merchantId` (optional) - Legacy; URLs use the SDK `clientId` from the constructor\n\n**Returns:** `Promise<AccountLinkingResponse>`\n\n### Types\n\n#### `AccountLinkingResponse`\n```typescript\ninterface AccountLinkingResponse {\n  success: boolean;\n  linkUrl?: string;\n  message?: string;\n}\n```\n\n#### `AccountLinkingOptions`\n```typescript\ninterface AccountLinkingOptions {\n  merchantId: string;\n  userId: string;\n  permissions: string[];\n  authorizationToken: string;\n}\n```\n\n### Constants\n\n#### `ACCOUNT_PERMISSIONS`\nPredefined permission constants:\n\n- `ACCOUNT_PERMISSIONS.READ_ACCOUNTS_DETAIL` - \"ReadAccountsDetail\"\n- `ACCOUNT_PERMISSIONS.READ_BALANCES` - \"ReadBalances\"\n- `ACCOUNT_PERMISSIONS.READ_TRANSACTIONS_DETAIL` - \"ReadTransactionsDetail\"\n\n### Merchant onboarding helpers (no PDF in SDK)\n\n#### `getAccountInformationForCompliance(options)`\nReturns enriched account data (holder, IBAN, resolved bank name) for UI or to send to your own backend. This SDK does not download or render regulatory PDFs.\n\n**Parameters:**\n- `merchantId: string` - Your merchant ID\n- `userId: string` - Customer's user ID\n- `accountId?: string` - Optional specific account ID\n\n**Returns:** `Promise<{ success: boolean; accountInfo?: AccountInformationRequest; accounts?: AccountInformationRequest[]; message?: string }>`\n\n**Example:**\n```typescript\nconst result = await account.getAccountInformationForCompliance({\n  merchantId: 'merchant_abc123',\n  userId: 'user_2def456ghi789',\n});\n\nif (result.success && result.accountInfo) {\n  console.log('Account Holder:', result.accountInfo.accountHolderName);\n  console.log('Account Number:', result.accountInfo.accountNumber);\n  console.log('Bank Name:', result.accountInfo.bankName);\n}\n```\n\n#### `storeAccountInformationRequest(accountInfo)`\nStores account information request data via your configured backend endpoint.\n\n**Parameters:**\n- `accountInfo: AccountInformationRequest` - Account information to store\n\n**Returns:** `Promise<StoreAccountInfoResponse>`\n\n## Environment Configuration\n\nThe SDK reads configuration from:\n\n- `ACOUNTPAY_CLIENT_ID`: merchant SDK client id (**Node**: use with `Account.fromEnv()` or pass into `new Account({ clientId })`).\n- `API_BASE_URL`: API host (optional; trailing slashes stripped, `/v1` added once). Browser: set `window.API_BASE_URL` if not using a bundler env.\n- `TOKEN_ENVIRONMENT`: `\"sandbox\"` or `\"production\"` where applicable.\n\nCopy `.env.example` to `.env` for local scripts and tests.\n\n```env\nACOUNTPAY_CLIENT_ID=your-client-id\nAPI_BASE_URL=https://api.acountpay.com\nTOKEN_ENVIRONMENT=sandbox\n```\n\n## Backend Integration\n\nYour backend needs to provide these endpoints:\n\n### Payment Creation\n```\nPOST {API_URL}/sdk/payment/{clientId}?amount={amount}&referenceNumber={referenceNumber}\nResponse: { paymentId: string }\n```\n\n### Link Token Generation\n```\nPOST {API_URL}/sdk/link-token/{clientId}?paymentId={paymentId}\nResponse: { tokenRequestUrl: string }\n```\n\n## License\n\nMIT\n","readmeFilename":"README.md"}