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This adapter provides seamless integration with Taiwan's CTBC Bank payment gateway, supporting credit card payments, card binding, virtual accounts, and comprehensive payment lifecycle management with built-in server support.\n\n## Features\n\n- [x] CTBC Micro Fast Pay credit card payment integration\n- [x] Card binding and tokenization with transaction-based binding\n- [x] Bound card checkout functionality\n- [x] Built-in HTTP server with automatic callback handling\n- [x] Multiple payment channels (Credit Card, Virtual Account, CVS, Barcode, Apple Pay)\n- [x] Credit card installment payments\n- [x] Transaction query and status tracking\n- [x] Order lifecycle management with event-driven architecture\n- [x] Secure MAC/TXN signature verification\n- [x] Ngrok integration for local development\n- [x] LRU cache support for orders and bind card requests\n- [x] Custom server integration support\n- [x] TypeScript type safety throughout\n- [x] Comprehensive error handling and logging\n- [x] Production and development environment support\n\n## Installation\n\n```bash\nnpm install @rytass/payments-adapter-ctbc-micro-fast-pay\n# or\nyarn add @rytass/payments-adapter-ctbc-micro-fast-pay\n```\n\n**Peer Dependencies:**\n\n```bash\nnpm install @rytass/payments\n# Optional: For local development with ngrok\nnpm install @ngrok/ngrok\n```\n\n## Configuration\n\n### Basic Configuration\n\n```typescript\nimport { CTBCPayment, CTBCOrderState } from '@rytass/payments-adapter-ctbc-micro-fast-pay';\nimport { PaymentEvents } from '@rytass/payments';\n\n// Production configuration\nconst productionGateway = new CTBCPayment({\n merchantId: 'YOUR_CTBC_MERCHANT_ID', // CTBC provided merchant ID\n merId: 'YOUR_MER_ID', // Merchant identifier\n txnKey: 'YOUR_TXN_KEY', // MAC/TXN signature key\n terminalId: 'YOUR_TERMINAL_ID', // Terminal identifier\n baseUrl: 'https://ccapi.ctbcbank.com', // Production API URL\n withServer: true, // Enable built-in server\n serverHost: 'https://your-domain.com', // Your callback server\n orderCacheTTL: 1800000, // Order cache TTL (30 minutes)\n bindCardRequestsCacheTTL: 3600000, // Bind card cache TTL (1 hour)\n});\n\n// Development configuration\nconst developmentGateway = new CTBCPayment({\n merchantId: 'TEST_MERCHANT_ID',\n merId: 'TEST_MER_ID',\n txnKey: 'TEST_TXN_KEY',\n terminalId: 'TEST_TERMINAL_ID',\n baseUrl: 'https://test-ccapi.ctbcbank.com', // Test API URL\n withServer: 'ngrok', // Use ngrok for local development\n orderCacheTTL: 600000, // Shorter TTL for testing (10 minutes)\n});\n```\n\n### Environment-Based Configuration\n\n```typescript\n// Secure environment-based setup\nconst paymentGateway = new CTBCPayment({\n merchantId: process.env.CTBC_MERCHANT_ID!,\n merId: process.env.CTBC_MER_ID!,\n txnKey: process.env.CTBC_TXN_KEY!,\n terminalId: process.env.CTBC_TERMINAL_ID!,\n baseUrl: process.env.NODE_ENV === 'production' ? 'https://ccapi.ctbcbank.com' : 'https://test-ccapi.ctbcbank.com',\n withServer: true,\n serverHost: process.env.SERVER_HOST || 'http://localhost:3000',\n checkoutPath: '/payments/ctbc/checkout',\n callbackPath: '/payments/ctbc/callback',\n bindCardPath: '/payments/ctbc/bind-card',\n boundCardPath: '/payments/ctbc/bound-card',\n orderCacheTTL: parseInt(process.env.ORDER_CACHE_TTL || '1800000'),\n onServerListen: () => {\n console.log('CTBC payment server ready!');\n },\n});\n```\n\n## Basic Usage\n\n### Simple Credit Card Payment\n\n**Note**: Please use NAT tunnel service (like ngrok) to proxy built-in server if you are behind a LAN network.\n\n```typescript\nimport { CTBCPayment, CTBCOrderState } from '@rytass/payments-adapter-ctbc-micro-fast-pay';\nimport { PaymentEvents, Channel } from '@rytass/payments';\n\nconst paymentGateway = new CTBCPayment({\n merchantId: 'YOUR_CTBC_MERCHANT_ID',\n merId: 'YOUR_MER_ID',\n txnKey: 'YOUR_TXN_KEY',\n terminalId: 'YOUR_TERMINAL_ID',\n withServer: true,\n serverHost: 'http://localhost:3000',\n onServerListen: () => {\n console.log('CTBC payment server is ready!');\n },\n});\n\n// Setup payment event listeners\npaymentGateway.emitter.on(PaymentEvents.ORDER_COMMITTED, message => {\n console.log('CTBC payment successful:', message.id);\n console.log('Transaction amount:', message.totalPrice);\n console.log('Platform trade number:', message.platformTradeNumber);\n});\n\n// Create order\nconst order = await paymentGateway.prepare({\n id: 'ORDER-2024-001', // Optional: auto-generated if not provided\n items: [\n {\n name: 'Premium Product',\n unitPrice: 2500,\n quantity: 1,\n },\n {\n name: 'Shipping Fee',\n unitPrice: 100,\n quantity: 1,\n },\n ],\n clientBackUrl: 'https://yoursite.com/payment/return', // Return URL after payment\n});\n\nconsole.log('Order ID:', order.id);\nconsole.log('Total Price:', order.totalPrice);\nconsole.log('Order State:', order.state);\n\n// Three ways to handle checkout:\n\n// 1. Get form data to prepare POST form by yourself\nconst formData = order.form;\nconsole.log('Form action URL:', 'https://ccapi.ctbcbank.com/PayJSON');\nconsole.log('Form data:', formData);\n\n// 2. Get HTML including form data and automatic submit script\nconst autoSubmitHTML = order.formHTML;\n\n// 3. Get built-in server URL for auto submit (only works if withServer is set)\nconst checkoutURL = order.checkoutURL;\nconsole.log('Checkout URL:', checkoutURL);\n```\n\n### Credit Card Installment Payment\n\n```typescript\n// Create installment payment order\nconst installmentOrder = await paymentGateway.prepare({\n id: 'INSTALLMENT-ORDER-001',\n items: [\n {\n name: 'High-Value Product',\n unitPrice: 12000,\n quantity: 1,\n },\n ],\n clientBackUrl: 'https://yoursite.com/payment/return',\n installmentCount: 12, // 12 installment periods\n cardType: 'VMJ', // Visa, MasterCard, JCB\n});\n\nconsole.log('Installment order created:', installmentOrder.id);\nconsole.log('Installment periods:', installmentOrder.installmentCount);\n```\n\n## Advanced Usage\n\n### Card Binding with Transaction\n\nCTBC Micro Fast Pay allows you to bind cards using successful transactions:\n\n```typescript\nimport { PaymentEvents } from '@rytass/payments';\n\nconst paymentGateway = new CTBCPayment({\n merchantId: 'YOUR_CTBC_MERCHANT_ID',\n merId: 'YOUR_MER_ID',\n txnKey: 'YOUR_TXN_KEY',\n terminalId: 'YOUR_TERMINAL_ID',\n withServer: true,\n requireCacheHit: false, // Allow card binding from transactions\n onCommit: handleOrderCommit,\n});\n\n// Handle successful payment and bind card\nasync function handleOrderCommit(order: CTBCOrder) {\n if (order.state === CTBCOrderState.COMMITTED) {\n const { id, platformTradeNumber } = order;\n const memberId = 'MEMBER_123456';\n\n try {\n // Prepare card binding request for user\n const bindRequest = await paymentGateway.prepareBindCard(memberId, {\n finishRedirectURL: 'https://your-domain.com/card-bound-success',\n });\n\n // Save card ID to your database\n const cardId = bindRequest.cardId;\n console.log('Card bound successfully:', cardId);\n console.log('Card prefix:', bindRequest.cardNumberPrefix);\n console.log('Card suffix:', bindRequest.cardNumberSuffix);\n\n // Store the card information\n await saveCustomerCard({\n memberId,\n cardId,\n cardPrefix: bindRequest.cardNumberPrefix,\n cardSuffix: bindRequest.cardNumberSuffix,\n boundAt: new Date(),\n });\n } catch (error) {\n console.error('Card binding failed:', error.message);\n }\n }\n}\n\n// Handle card binding events\npaymentGateway.emitter.on(PaymentEvents.CARD_BOUND, bindRequest => {\n console.log(`Card ${bindRequest.cardId} bound for member ${bindRequest.memberId}`);\n});\n\npaymentGateway.emitter.on(PaymentEvents.CARD_BINDING_FAILED, bindRequest => {\n console.error('Card binding failed:', bindRequest.failedMessage);\n\n // Handle card already bound scenario\n if (bindRequest.failedMessage?.code === '10100112') {\n console.log('Card already bound:');\n console.log('Member ID:', bindRequest.memberId);\n console.log('Card ID:', bindRequest.cardId);\n console.log('Card Number Prefix:', bindRequest.cardNumberPrefix);\n console.log('Card Number Suffix:', bindRequest.cardNumberSuffix);\n }\n});\n```\n\n### Bound Card Checkout\n\nUse previously bound cards for quick checkout:\n\n```typescript\n// Checkout with bound card\nconst boundCardResult = await paymentGateway.checkoutWithBoundCard({\n memberId: 'MEMBER_123456',\n cardId: 'CARD_789012',\n orderId: 'BOUND-ORDER-001',\n items: [\n {\n name: 'Subscription Service',\n unitPrice: 999,\n quantity: 1,\n },\n ],\n});\n\nif (boundCardResult.success) {\n console.log('Bound card payment successful:', boundCardResult.orderId);\n console.log('Transaction ID:', boundCardResult.transactionId);\n} else {\n console.error('Bound card payment failed:', boundCardResult.error);\n}\n```\n\n### Transaction Query\n\n```typescript\n// Query order status\nconst orderStatus = await paymentGateway.query('ORDER-2024-001');\n\nconsole.log('Order ID:', orderStatus.id);\nconsole.log('Order State:', orderStatus.state);\nconsole.log('Total Price:', orderStatus.totalPrice);\nconsole.log('Created At:', orderStatus.createdAt);\nconsole.log('Committed At:', orderStatus.committedAt);\n\n// Check if order is committed\nif (orderStatus.state === CTBCOrderState.COMMITTED) {\n console.log('Payment completed successfully');\n console.log('Platform Trade Number:', orderStatus.platformTradeNumber);\n} else if (orderStatus.state === CTBCOrderState.FAILED) {\n console.log('Payment failed:', orderStatus.failedMessage);\n}\n```\n\n### Virtual Account Payment\n\n```typescript\n// Create virtual account order\nconst vatOrder = await paymentGateway.prepare({\n id: 'VAT-ORDER-001',\n channel: Channel.VIRTUAL_ACCOUNT,\n items: [\n {\n name: 'Bulk Purchase',\n unitPrice: 50000,\n quantity: 1,\n },\n ],\n clientBackUrl: 'https://yoursite.com/payment/return',\n});\n\n// Listen for async info (virtual account details)\npaymentGateway.emitter.on(PaymentEvents.ORDER_INFO_RETRIEVED, order => {\n if (order.asyncInfo?.channel === Channel.VIRTUAL_ACCOUNT) {\n console.log('Virtual Account Details:');\n console.log('Bank Code:', order.asyncInfo.bankCode);\n console.log('Account Number:', order.asyncInfo.account);\n console.log('Expires At:', order.asyncInfo.expiredAt);\n\n // Send virtual account info to customer\n notifyCustomerVirtualAccount({\n orderId: order.id,\n bankCode: order.asyncInfo.bankCode,\n accountNumber: order.asyncInfo.account,\n amount: order.totalPrice,\n expiresAt: order.asyncInfo.expiredAt,\n });\n }\n});\n```\n\n### CVS Payment\n\n```typescript\n// Create CVS payment order\nconst cvsOrder = await paymentGateway.prepare({\n id: 'CVS-ORDER-001',\n channel: Channel.CVS_KIOSK,\n items: [\n {\n name: 'Online Purchase',\n unitPrice: 1500,\n quantity: 1,\n },\n ],\n clientBackUrl: 'https://yoursite.com/payment/return',\n});\n\n// Listen for CVS payment code\npaymentGateway.emitter.on(PaymentEvents.ORDER_INFO_RETRIEVED, order => {\n if (order.asyncInfo?.channel === Channel.CVS_KIOSK) {\n console.log('CVS Payment Details:');\n console.log('Payment Code:', order.asyncInfo.paymentCode);\n console.log('Expires At:', order.asyncInfo.expiredAt);\n\n // Send CVS payment code to customer\n notifyCustomerCVSCode({\n orderId: order.id,\n paymentCode: order.asyncInfo.paymentCode,\n amount: order.totalPrice,\n expiresAt: order.asyncInfo.expiredAt,\n });\n }\n});\n```\n\n## Integration Examples\n\n### Express.js API Integration\n\n```typescript\nimport express from 'express';\nimport { CTBCPayment, CTBCOrderState } from '@rytass/payments-adapter-ctbc-micro-fast-pay';\nimport { PaymentEvents, Channel } from '@rytass/payments';\n\nconst app = express();\napp.use(express.json());\napp.use(express.urlencoded({ extended: true }));\n\nconst paymentGateway = new CTBCPayment({\n merchantId: process.env.CTBC_MERCHANT_ID!,\n merId: process.env.CTBC_MER_ID!,\n txnKey: process.env.CTBC_TXN_KEY!,\n terminalId: process.env.CTBC_TERMINAL_ID!,\n withServer: false, // Use custom Express server\n baseUrl: process.env.NODE_ENV === 'production' ? 'https://ccapi.ctbcbank.com' : 'https://test-ccapi.ctbcbank.com',\n});\n\n// Use the default server listener for payment handling\napp.use(paymentGateway.defaultServerListener);\n\n// Setup payment event handlers\npaymentGateway.emitter.on(PaymentEvents.ORDER_COMMITTED, async message => {\n try {\n // Update database\n await updateOrderStatus(message.id, 'paid');\n\n // Send confirmation email\n await sendPaymentConfirmation(message.id);\n\n console.log(`CTBC payment committed: ${message.id}`);\n } catch (error) {\n console.error('Error handling payment success:', error);\n }\n});\n\n// Create payment endpoint\napp.post('/api/payments/ctbc/create', async (req, res) => {\n try {\n const { items, orderId, returnUrl, channel, memberId } = req.body;\n\n const order = await paymentGateway.prepare({\n id: orderId,\n items: items.map(item => ({\n name: item.name,\n unitPrice: item.price,\n quantity: item.quantity,\n })),\n clientBackUrl: returnUrl,\n checkoutMemberId: memberId, // For potential card binding\n });\n\n res.json({\n success: true,\n payment: {\n orderId: order.id,\n totalAmount: order.totalPrice,\n checkoutUrl: order.checkoutURL,\n formData: order.form,\n formHTML: order.formHTML,\n state: order.state,\n },\n });\n } catch (error) {\n res.status(400).json({\n success: false,\n error: error.message,\n });\n }\n});\n\n// Query payment status endpoint\napp.get('/api/payments/ctbc/:orderId/status', async (req, res) => {\n try {\n const { orderId } = req.params;\n\n const order = await paymentGateway.query(orderId);\n\n res.json({\n success: true,\n payment: {\n orderId: order.id,\n state: order.state,\n totalAmount: order.totalPrice,\n createdAt: order.createdAt,\n committedAt: order.committedAt,\n platformTradeNumber: order.platformTradeNumber,\n isCommitted: order.state === CTBCOrderState.COMMITTED,\n isFailed: order.state === CTBCOrderState.FAILED,\n },\n });\n } catch (error) {\n res.status(404).json({\n success: false,\n error: 'Payment not found',\n });\n }\n});\n\n// Bind card endpoint\napp.post('/api/payments/ctbc/bind-card', async (req, res) => {\n try {\n const { memberId } = req.body;\n\n const bindRequest = await paymentGateway.prepareBindCard(memberId, {\n finishRedirectURL: 'https://your-domain.com/card-bound-success',\n });\n\n res.json({\n success: true,\n cardBinding: {\n cardId: bindRequest.cardId,\n memberId: bindRequest.memberId,\n cardPrefix: bindRequest.cardNumberPrefix,\n cardSuffix: bindRequest.cardNumberSuffix,\n state: bindRequest.state,\n },\n });\n } catch (error) {\n res.status(400).json({\n success: false,\n error: error.message,\n });\n }\n});\n\n// Bound card checkout endpoint\napp.post('/api/payments/ctbc/bound-card-checkout', async (req, res) => {\n try {\n const { memberId, cardId, items, orderId } = req.body;\n\n const result = await paymentGateway.checkoutWithBoundCard({\n memberId,\n cardId,\n orderId,\n items: items.map(item => ({\n name: item.name,\n unitPrice: item.price,\n quantity: item.quantity,\n })),\n });\n\n if (result.success) {\n res.json({\n success: true,\n payment: {\n orderId: result.orderId,\n transactionId: result.transactionId,\n amount: result.amount,\n },\n });\n } else {\n res.status(400).json({\n success: false,\n error: result.error,\n });\n }\n } catch (error) {\n res.status(500).json({\n success: false,\n error: error.message,\n });\n }\n});\n\napp.listen(3000, () => {\n console.log('CTBC payment server running on port 3000');\n});\n```\n\n### NestJS Service Integration\n\n```typescript\nimport { Injectable, BadRequestException, NotFoundException, Logger } from '@nestjs/common';\nimport { CTBCPayment, CTBCOrderState, CTBCBindCardRequestState } from '@rytass/payments-adapter-ctbc-micro-fast-pay';\nimport { PaymentEvents, Channel } from '@rytass/payments';\n\n@Injectable()\nexport class CTBCPaymentService {\n private readonly logger = new Logger(CTBCPaymentService.name);\n private readonly paymentGateway: CTBCPayment;\n\n constructor() {\n this.paymentGateway = new CTBCPayment({\n merchantId: process.env.CTBC_MERCHANT_ID!,\n merId: process.env.CTBC_MER_ID!,\n txnKey: process.env.CTBC_TXN_KEY!,\n terminalId: process.env.CTBC_TERMINAL_ID!,\n baseUrl: process.env.NODE_ENV === 'production' ? 'https://ccapi.ctbcbank.com' : 'https://test-ccapi.ctbcbank.com',\n withServer: true,\n serverHost: process.env.SERVER_HOST,\n });\n\n this.setupEventHandlers();\n }\n\n private setupEventHandlers() {\n this.paymentGateway.emitter.on(PaymentEvents.ORDER_COMMITTED, message => {\n this.logger.log(`CTBC payment committed: ${message.id}`);\n this.handlePaymentSuccess(message);\n });\n\n this.paymentGateway.emitter.on(PaymentEvents.ORDER_FAILED, failure => {\n this.logger.error(`CTBC payment failed: ${failure.code} - ${failure.message}`);\n this.handlePaymentFailure(failure);\n });\n\n this.paymentGateway.emitter.on(PaymentEvents.CARD_BOUND, bindRequest => {\n this.logger.log(`Card bound: ${bindRequest.cardId} for member ${bindRequest.memberId}`);\n this.handleCardBound(bindRequest);\n });\n }\n\n async createPayment(paymentData: {\n orderId?: string;\n items: Array<{\n name: string;\n price: number;\n quantity: number;\n }>;\n returnUrl?: string;\n memberId?: string;\n channel?: string;\n installmentCount?: number;\n }) {\n const order = await this.paymentGateway.prepare({\n id: paymentData.orderId,\n items: paymentData.items.map(item => ({\n name: item.name,\n unitPrice: item.price,\n quantity: item.quantity,\n })),\n clientBackUrl: paymentData.returnUrl,\n checkoutMemberId: paymentData.memberId,\n installmentCount: paymentData.installmentCount,\n });\n\n return {\n orderId: order.id,\n totalAmount: order.totalPrice,\n checkoutUrl: order.checkoutURL,\n formData: order.form,\n state: order.state,\n createdAt: order.createdAt,\n };\n }\n\n async getPaymentStatus(orderId: string) {\n try {\n const order = await this.paymentGateway.query(orderId);\n\n return {\n orderId: order.id,\n state: order.state,\n totalAmount: order.totalPrice,\n createdAt: order.createdAt,\n committedAt: order.committedAt,\n platformTradeNumber: order.platformTradeNumber,\n isCommitted: order.state === CTBCOrderState.COMMITTED,\n isFailed: order.state === CTBCOrderState.FAILED,\n failedMessage: order.failedMessage,\n };\n } catch (error) {\n throw new NotFoundException(`Payment ${orderId} not found`);\n }\n }\n\n async bindCard(memberId: string) {\n try {\n const bindRequest = await this.paymentGateway.prepareBindCard(memberId, {\n finishRedirectURL: 'https://your-domain.com/card-bound-success',\n });\n\n return {\n cardId: bindRequest.cardId,\n memberId: bindRequest.memberId,\n cardPrefix: bindRequest.cardNumberPrefix,\n cardSuffix: bindRequest.cardNumberSuffix,\n state: bindRequest.state,\n isSuccessful: bindRequest.state === CTBCBindCardRequestState.BOUND,\n };\n } catch (error) {\n throw new BadRequestException(`Card binding failed: ${error.message}`);\n }\n }\n\n async checkoutWithBoundCard(checkoutData: {\n memberId: string;\n cardId: string;\n orderId?: string;\n items: Array<{\n name: string;\n price: number;\n quantity: number;\n }>;\n }) {\n const result = await this.paymentGateway.checkoutWithBoundCard({\n memberId: checkoutData.memberId,\n cardId: checkoutData.cardId,\n orderId: checkoutData.orderId,\n items: checkoutData.items.map(item => ({\n name: item.name,\n unitPrice: item.price,\n quantity: item.quantity,\n })),\n });\n\n if (!result.success) {\n throw new BadRequestException(`Bound card checkout failed: ${result.error}`);\n }\n\n return {\n orderId: result.orderId,\n transactionId: result.transactionId,\n amount: result.amount,\n success: result.success,\n };\n }\n\n private async handlePaymentSuccess(message: any) {\n // Handle successful payment - update database, send notifications, etc.\n this.logger.log(`Processing payment success for order: ${message.id}`);\n }\n\n private async handlePaymentFailure(failure: any) {\n // Handle payment failure - log, notify customer, etc.\n this.logger.error(`Processing payment failure: ${failure.code} - ${failure.message}`);\n }\n\n private async handleCardBound(bindRequest: any) {\n // Handle successful card binding - save to database, etc.\n this.logger.log(`Processing card binding for member: ${bindRequest.memberId}`);\n }\n}\n```\n\n### React Payment Component\n\n```typescript\nimport React, { useState, useEffect } from 'react';\n\ninterface CTBCPaymentProps {\n items: Array<{\n name: string;\n price: number;\n quantity: number;\n }>;\n memberId?: string;\n onSuccess: (result: any) => void;\n onError: (error: string) => void;\n}\n\nconst CTBCPayment: React.FC = ({\n items,\n memberId,\n onSuccess,\n onError\n}) => {\n const [paymentData, setPaymentData] = useState(null);\n const [boundCards, setBoundCards] = useState([]);\n const [selectedCardId, setSelectedCardId] = useState('');\n const [isLoading, setIsLoading] = useState(false);\n const [paymentMethod, setPaymentMethod] = useState<'new' | 'bound'>('new');\n\n const totalAmount = items.reduce((sum, item) => sum + (item.price * item.quantity), 0);\n\n useEffect(() => {\n if (memberId) {\n fetchBoundCards();\n }\n }, [memberId]);\n\n const fetchBoundCards = async () => {\n try {\n const response = await fetch(`/api/members/${memberId}/bound-cards`);\n const data = await response.json();\n\n if (data.success) {\n setBoundCards(data.cards);\n }\n } catch (error) {\n console.error('Failed to fetch bound cards:', error);\n }\n };\n\n const createNewPayment = async () => {\n setIsLoading(true);\n\n try {\n const response = await fetch('/api/payments/ctbc/create', {\n method: 'POST',\n headers: { 'Content-Type': 'application/json' },\n body: JSON.stringify({\n items,\n memberId,\n returnUrl: `${window.location.origin}/payment/return`\n })\n });\n\n const data = await response.json();\n\n if (data.success) {\n setPaymentData(data.payment);\n } else {\n onError(data.error);\n }\n } catch (error) {\n onError('Payment creation failed');\n } finally {\n setIsLoading(false);\n }\n };\n\n const checkoutWithBoundCard = async () => {\n if (!selectedCardId) {\n onError('Please select a bound card');\n return;\n }\n\n setIsLoading(true);\n\n try {\n const response = await fetch('/api/payments/ctbc/bound-card-checkout', {\n method: 'POST',\n headers: { 'Content-Type': 'application/json' },\n body: JSON.stringify({\n memberId,\n cardId: selectedCardId,\n items\n })\n });\n\n const data = await response.json();\n\n if (data.success) {\n onSuccess(data.payment);\n } else {\n onError(data.error);\n }\n } catch (error) {\n onError('Bound card checkout failed');\n } finally {\n setIsLoading(false);\n }\n };\n\n const proceedToPayment = () => {\n if (paymentData) {\n // Option 1: Redirect to CTBC hosted checkout\n if (paymentData.checkoutUrl) {\n window.location.href = paymentData.checkoutUrl;\n } else {\n // Option 2: Submit form programmatically\n const form = document.createElement('form');\n form.method = 'POST';\n form.action = 'https://ccapi.ctbcbank.com/PayJSON';\n\n Object.entries(paymentData.formData).forEach(([key, value]) => {\n const input = document.createElement('input');\n input.type = 'hidden';\n input.name = key;\n input.value = value as string;\n form.appendChild(input);\n });\n\n document.body.appendChild(form);\n form.submit();\n }\n }\n };\n\n return (\n
\n

CTBC Bank Payment

\n\n
\n

Order Summary

\n {items.map((item, index) => (\n
\n {item.name}\n {item.quantity} x NT${item.price}\n
\n ))}\n
\n Total: NT${totalAmount}\n
\n
\n\n {memberId && boundCards.length > 0 && (\n
\n

Payment Method

\n
\n \n \n
\n
\n )}\n\n {paymentMethod === 'bound' && boundCards.length > 0 && (\n
\n

Select Bound Card

\n {boundCards.map((card) => (\n
\n \n
\n ))}\n
\n )}\n\n
\n {paymentMethod === 'new' && (\n <>\n {!paymentData && (\n \n {isLoading ? 'Creating Payment...' : 'Proceed to Payment'}\n \n )}\n\n {paymentData && (\n
\n

Payment ready for NT${paymentData.totalAmount}

\n \n
\n )}\n \n )}\n\n {paymentMethod === 'bound' && (\n \n {isLoading ? 'Processing...' : 'Pay with Bound Card'}\n \n )}\n
\n
\n );\n};\n\nexport default CTBCPayment;\n```\n\n## Error Handling\n\n### Typed Errors\n\nThe package exports typed error classes so callers can branch on the failure cause instead of matching error messages:\n\n| Error class | Thrown when | Extra properties |\n| ---------------------------- | ------------------------------------------------------------------------------ | -------------------------------- |\n| `CTBCHtmlErrorResponseError` | CTBC returns an HTML page (maintenance notice, WAF block) instead of a payload | `responseText` |\n| `CTBCPosQueryFailedError` | The POS gateway answers a query with a non-`00` `ErrCode` | `respCode`, `errCode`, `errDesc` |\n| `CtbcPaymentFailedError` | A payment is rejected by the gateway | `orderId` |\n\n> **Behaviour change:** the `posApi*` helpers previously signalled every failure by\n> returning a numeric error code from `CTBC_ERROR_CODES`. They now **throw**\n> `CTBCHtmlErrorResponseError` when CTBC serves an HTML page — this case used to be masked as\n> `ERR_HOST_CONNECTION_FAILED`, which was indistinguishable from a genuine network failure. All other\n> failures still come back as numeric codes. Code that only checks `typeof result === 'number'` should\n> add a `try`/`catch`.\n\n```typescript\nimport {\n posApiQuery,\n CTBCHtmlErrorResponseError,\n CTBCPosQueryFailedError,\n CTBC_ERROR_CODES,\n} from '@rytass/payments-adapter-ctbc-micro-fast-pay';\n\ntry {\n const result = await posApiQuery(posApiConfig, queryParams);\n\n if (typeof result === 'number') {\n // Validation / network / parsing failures still surface as numeric codes\n console.error('Query failed with error code:', result);\n\n return;\n }\n\n console.log('Current state:', result.CurrentState);\n} catch (error) {\n if (error instanceof CTBCHtmlErrorResponseError) {\n // CTBC is under maintenance — safe to retry later, do NOT treat as a payment failure.\n // `message` carries a truncated preview; `responseText` holds the full page for diagnostics.\n console.error('CTBC returned an HTML error page:', error.message);\n await alerting.notify('ctbc-maintenance', error.responseText);\n\n return;\n }\n\n throw error;\n}\n```\n\n`CTBCPayment.query()` wraps the same failure modes: it throws `CTBCPosQueryFailedError` when the POS\ngateway reports a query error, and lets `CTBCHtmlErrorResponseError` propagate untouched.\n\n```typescript\ntry {\n const order = await paymentGateway.query('ORDER_ID');\n} catch (error) {\n if (error instanceof CTBCHtmlErrorResponseError) {\n console.error('CTBC under maintenance, retry later');\n } else if (error instanceof CTBCPosQueryFailedError) {\n console.error(`Query rejected: ${error.errCode} - ${error.errDesc}`);\n } else {\n throw error;\n }\n}\n```\n\nWhen a refund or refund cancellation hits an HTML error page, the order is marked `FAILED` with\n`failedCode` set to `CTBC_HTML_ERROR_RESPONSE_FAILED_CODE` (`'HTML_ERROR_RESPONSE'`) before the error\nis re-thrown.\n\n### Common Error Scenarios\n\n```typescript\ntry {\n const order = await paymentGateway.prepare({\n items: [\n {\n name: 'Product',\n unitPrice: 1000,\n quantity: 1,\n },\n ],\n });\n} catch (error) {\n // Handle different types of errors\n if (error.message.includes('merchantId is required')) {\n console.error('Missing merchant configuration');\n } else if (error.message.includes('Invalid TXN key')) {\n console.error('TXN signature key is invalid');\n } else if (error.message.includes('Server not started')) {\n console.error('Payment server not initialized');\n } else if (error.message.includes('Order cache miss')) {\n console.error('Order not found in cache - may have expired');\n } else {\n console.error('Order preparation failed:', error.message);\n }\n}\n\n// Card binding errors\ntry {\n const bindRequest = await paymentGateway.prepareBindCard('MEMBER_123', {\n finishRedirectURL: 'https://your-domain.com/card-bound-success',\n });\n} catch (error) {\n if (error.message.includes('Card already bound')) {\n console.error('This card is already bound to the member');\n } else if (error.message.includes('Invalid transaction')) {\n console.error('Transaction not found or not successful');\n } else if (error.message.includes('Binding timeout')) {\n console.error('Card binding request timed out');\n } else {\n console.error('Card binding failed:', error.message);\n }\n}\n\n// Payment event error handling\npaymentGateway.emitter.on(PaymentEvents.ORDER_FAILED, failure => {\n switch (failure.code) {\n case 'INVALID_CARD':\n console.error('Credit card information is invalid');\n break;\n case 'INSUFFICIENT_FUNDS':\n console.error('Insufficient funds on card');\n break;\n case 'EXPIRED_CARD':\n console.error('Credit card has expired');\n break;\n case 'DECLINED':\n console.error('Transaction declined by bank');\n break;\n case 'NETWORK_ERROR':\n console.error('Network connection error');\n break;\n default:\n console.error(`Payment failed: ${failure.code} - ${failure.message}`);\n }\n});\n```\n\n### Validation and Security\n\n```typescript\n// Validate MAC/TXN signatures\nconst validateTransactionSecurity = (transactionData: any) => {\n // CTBC uses MAC/TXN for transaction verification\n // The adapter handles this internally, but you can add additional validation\n\n if (!transactionData.platformTradeNumber) {\n throw new Error('Missing platform trade number');\n }\n\n if (!transactionData.amount || transactionData.amount <= 0) {\n throw new Error('Invalid transaction amount');\n }\n\n return true;\n};\n\n// Safe order processing with validation\nconst processOrderSafely = async (orderData: any) => {\n try {\n // Validate inputs\n if (!orderData.items || orderData.items.length === 0) {\n throw new Error('Order must have at least one item');\n }\n\n const totalAmount = orderData.items.reduce((sum, item) => {\n return sum + item.unitPrice * item.quantity;\n }, 0);\n\n if (totalAmount <= 0) {\n throw new Error('Order total must be greater than 0');\n }\n\n // Create order\n const order = await paymentGateway.prepare(orderData);\n\n // Log for audit\n console.log(`Order created: ${order.id}, Amount: ${order.totalPrice}`);\n\n return { success: true, order };\n } catch (error) {\n console.error('Order processing failed:', error);\n return { success: false, error: error.message };\n }\n};\n```\n\n## Best Practices\n\n### Configuration Management\n\n- Store sensitive credentials (merchantId, txnKey) in environment variables\n- Use different merchant IDs for development and production\n- Implement proper HTTPS for all payment-related endpoints\n- Regularly rotate TXN keys and credentials\n\n### Order Management\n\n- Always validate transaction authenticity using MAC/TXN verification\n- Implement appropriate cache TTL for orders and bind card requests\n- Use unique order IDs to prevent duplicate transactions\n- Log all payment events for debugging and auditing\n\n### Card Binding\n\n- Only bind cards from successful transactions\n- Implement proper member authentication before card binding\n- Handle \"card already bound\" scenarios gracefully\n- Store card information securely with encryption\n\n### Security\n\n- Validate all payment callbacks before processing\n- Implement proper CSRF protection for payment forms\n- Use HTTPS for all payment-related communications\n- Never log sensitive payment data (card numbers, TXN keys)\n\n### Performance\n\n- Use appropriate cache TTL values based on your use case\n- Implement proper connection pooling for database operations\n- Monitor payment gateway response times\n- Set appropriate timeout values for payment operations\n\n### Error Handling\n\n- Implement comprehensive error logging\n- Provide clear error messages to customers\n- Handle network failures gracefully with retry mechanisms\n- Monitor for unusual payment failure patterns\n\n## Testing\n\n```typescript\nimport { CTBCPayment, CTBCOrderState, CTBCBindCardRequestState } from '@rytass/payments-adapter-ctbc-micro-fast-pay';\nimport { Channel } from '@rytass/payments';\n\ndescribe('CTBC Payment Integration', () => {\n let paymentGateway: CTBCPayment;\n\n beforeEach(() => {\n paymentGateway = new CTBCPayment({\n merchantId: 'TEST_MERCHANT',\n merId: 'TEST_MER_ID',\n txnKey: 'TEST_TXN_KEY',\n terminalId: 'TEST_TERMINAL',\n baseUrl: 'https://test-ccapi.ctbcbank.com',\n });\n });\n\n it('should create order successfully', async () => {\n const order = await paymentGateway.prepare({\n items: [\n {\n name: 'Test Product',\n unitPrice: 1000,\n quantity: 1,\n },\n ],\n });\n\n expect(order.id).toBeDefined();\n expect(order.totalPrice).toBe(1000);\n expect(order.state).toBe(CTBCOrderState.INITED);\n });\n\n it('should generate correct form data', async () => {\n const order = await paymentGateway.prepare({\n items: [\n {\n name: 'Test Product',\n unitPrice: 2000,\n quantity: 2,\n },\n ],\n });\n\n const form = order.form;\n\n expect(form.merID).toBe('TEST_MER_ID');\n expect(form.URLEnc).toBeDefined();\n expect(form.URLEnc).toContain('TEST_MERCHANT');\n });\n\n it('should query order status', async () => {\n const order = await paymentGateway.query('TEST-ORDER-001');\n\n expect(order.id).toBe('TEST-ORDER-001');\n expect(order.state).toBeDefined();\n });\n\n it('should handle card binding', async () => {\n const bindRequest = await paymentGateway.prepareBindCard('TEST_MEMBER', {\n finishRedirectURL: 'https://test-domain.com/card-bound-success',\n });\n\n expect(bindRequest.memberId).toBe('TEST_MEMBER');\n expect(bindRequest.cardId).toBeDefined();\n expect(bindRequest.state).toBe(CTBCBindCardRequestState.REQUESTED);\n });\n\n it('should checkout with bound card', async () => {\n const result = await paymentGateway.checkoutWithBoundCard({\n memberId: 'TEST_MEMBER',\n cardId: 'TEST_CARD_ID',\n orderId: 'BOUND_ORDER_001',\n items: [\n {\n name: 'Test Product',\n unitPrice: 500,\n quantity: 1,\n },\n ],\n });\n\n expect(result.success).toBe(true);\n expect(result.orderId).toBe('BOUND_ORDER_001');\n expect(result.amount).toBe(500);\n });\n});\n```\n\n## API Reference\n\n### CTBCPayment Constructor Options\n\n```typescript\ninterface CTBCPaymentOptions {\n merchantId: string; // Required: CTBC merchant ID\n merchantName?: string; // Optional: Merchant name\n merId: string; // Required: Merchant identifier\n txnKey: string; // Required: MAC/TXN signature key\n terminalId: string; // Required: Terminal identifier\n\n baseUrl?: string; // Optional: CTBC API URL\n requireCacheHit?: boolean; // Optional: Require cache hit for operations\n withServer?: boolean | 'ngrok'; // Optional: Enable built-in server\n serverHost?: string; // Optional: Server host URL\n checkoutPath?: string; // Optional: Checkout endpoint path\n callbackPath?: string; // Optional: Callback endpoint path\n bindCardPath?: string; // Optional: Card binding path\n orderCacheTTL?: number; // Optional: Order cache TTL in ms\n bindCardRequestsCacheTTL?: number; // Optional: Bind card cache TTL in ms\n onServerListen?: () => void; // Optional: Server ready callback\n onCommit?: (order: CTBCOrder) => void; // Optional: Payment success callback\n}\n```\n\n### CTBCPayment Methods\n\n#### `prepare(options: PrepareOrderInput): Promise`\n\nCreates a new CTBC payment order.\n\n#### `query(orderId: string): Promise`\n\nQueries payment status by order ID.\n\n#### `prepareBindCard(memberId: string, options?: CTBCRequestPrepareBindCardOptions): Promise`\n\nPrepares a card binding request for a member.\n\n#### `checkoutWithBoundCard(options: CheckoutWithBoundCardOptions): Promise`\n\nProcesses payment using a previously bound card.\n\n### Constants and Enums\n\n```typescript\n// Order states\nenum CTBCOrderState {\n INITED = 'INITED', // Order created\n PRE_COMMIT = 'PRE_COMMIT', // Order submitted to CTBC\n COMMITTED = 'COMMITTED', // Payment successful\n FAILED = 'FAILED', // Payment failed\n}\n\n// Card binding states\nenum CTBCBindCardRequestState {\n REQUESTED = 'REQUESTED', // Binding requested\n BOUND = 'BOUND', // Card successfully bound\n FAILED = 'FAILED', // Binding failed\n}\n```\n\n## License\n\nMIT\n\n```\n\n```\n","readmeFilename":"README.md"}