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and\nofficial database adapters. The merchant fixes the order, amount, and currency\non its server; the buyer pays with a Siglume wallet; Siglume applies the\ncorrect pricing and settlement path from the payment amount.\n\n**Public SDRP GA scope:** Standard Hosted Checkout, Micro Payment, Nano Payment,\nsubscription approval, and scheduled autopay authorization/execution are public\nSDRP protocol/API/SDK surfaces for JPY/JPYC or USD/USDC on Polygon PoS when the\nrelevant merchant and buyer readiness checks pass. Refund workflow, card\npayments, cross-chain payment, custom settlement wallets, and merchant internal\nsupport/accounting systems are outside SDRP.\n\n## Start Here\n\n- **10-minute account-free sandbox:** use the local sandbox first. It needs no\n  Siglume merchant account, no live mandate, and no public HTTPS webhook while\n  you are wiring your product route:\n\n  ```bash\n  npx siglume-sdrp init express --target src/siglume\n  npx siglume-sdrp sandbox --origin http://localhost:3000 --webhook-url http://localhost:3000/payments/webhooks/siglume\n  npx siglume-check verify --sandbox\n  ```\n\n- **Prepared merchant live verification:** after merchant setup, mandate,\n  Hosted Checkout enablement, and the live webhook URL are ready, switch to live\n  credentials and run:\n\n  ```bash\n  npx siglume-check preflight\n  npx siglume-check verify\n  ```\n\n- [Run the sandbox](./docs/sandbox.md) before using live credentials.\n- Use `setupCheckout(...)` / `setup_checkout(...)`, `siglume-check preflight`,\n  and the merchant readiness API before opening live Standard Hosted Checkout.\n- Read the [responsibility boundary](./docs/responsibility-boundary.md) before\n  reviewing GA readiness. SDRP Standard Hosted Checkout is a non-custodial\n  protocol and hosted wallet checkout interface under the published\n  [Terms](https://siglume.com/legal/terms) and\n  [Direct Request Payment developer page](https://siglume.com/developers/direct-request-payment);\n  the merchant remains merchant of record.\n- Use public GitHub issues for documentation / SDK bugs only.\n  Do not post request IDs, trace IDs, support references, buyer identifiers,\n  wallet addresses, tokens, or transaction-specific data in a public issue. For\n  payment investigation, use your private Siglume support channel or account\n  contact.\n- Read the [current public scope](#current-public-scope) before promising\n  Siglume-provided refund APIs, recurring lifecycle, or Micro / Nano settlement\n  behavior to your own users.\n\n## Current Public Scope\n\nSDRP currently settles JPYC / USDC on **Polygon\nPoS only**. The public SDK does not expose chain selection, cross-chain payment,\nmultiple merchant settlement wallets, per-payment settlement-wallet override, or\nsplit / multi-wallet charging. Route each payment through the buyer's Siglume\nwallet and the merchant account's configured Siglume settlement wallet.\n\nStandard Hosted Checkout for one-time JPY/JPYC or USD/USDC payments is the\ngeneral human-shopper integration path when merchant readiness passes. Micro\nPayment and Nano Payment are automatic amount bands on the same SDRP payment\nsurface and must be reconciled through the statement APIs because final\nsettlement is aggregated. Subscription approval and scheduled autopay use the\nrecurring challenge scheme and the named SDK methods documented in the API\nreference. The SDK does not provide a merchant refund API, refund state machine,\nrefund receipt registry, or refund webhook. Refund policy, buyer support, and\nany refund transfer are handled by the merchant outside SDRP using the\nmerchant's own lawful process. SDRP exposes the original payment identifiers and\nsigned payment evidence so the merchant can reconcile its own order system.\nRefund policy, buyer support, refund transfer, and accounting are merchant responsibilities.\n\nIf you evaluated `0.5.0`, `0.5.1`, or `0.5.2`, read\n[Migrating from the withdrawn refund preview](https://github.com/taihei-05/siglume-direct-request-payment/blob/main/MIGRATING_FROM_0.5.0_REFUND_PREVIEW.md).\n\nPayment requirement creation must run in the authenticated buyer's Siglume\ncontext. Your merchant server must not use a merchant secret or API key to\ncharge a customer wallet. The merchant server creates the signed challenge; the\nbuyer-facing Siglume payment flow creates and pays the requirement.\n\n`DirectRequestPaymentMerchantClient` requires the merchant's Siglume bearer\ntoken for setup. `DirectRequestPaymentClient` requires the buyer's Siglume\nbearer token for payment requirements and buyer statements, or the provider /\nmerchant user's Siglume bearer token for provider statements. Do not use a\nDeveloper Portal `cli_` API key with this package.\n\n## Documentation Map\n\n- [10-Minute Standard Checkout Integration](./docs/quickstart-10-minutes.md): Standard Hosted Checkout plumbing for Express/FastAPI when prerequisites are ready.\n- [Buyer Account and Wallet Onboarding](./docs/buyer-onboarding.md): first-use Siglume account / wallet flow for human and agent buyers.\n- [SDRP Sandbox](./docs/sandbox.md): local checkout, signed webhook, and Micro / Nano accounting inspection before live credentials.\n- [Merchant Quickstart](./docs/merchant-quickstart.md): manual API overview and recurring challenge notes.\n- [Pricing and settlement](./docs/pricing.md): amount bands, seller-borne fees, and Micro / Nano threshold close rules.\n- [Responsibility Boundary](./docs/responsibility-boundary.md): non-custodial protocol role, merchant-of-record duties, non-Siglume refund boundary, and GA review scope.\n- [API Reference](./docs/api-reference.md): TypeScript/Python methods, CLI checks, webhook helpers, and statement APIs.\n- [Troubleshooting](./docs/troubleshooting.md): Hosted Checkout readiness, support escalation, and safe buyer messages.\n- [API and SDK Stability](./docs/api-stability.md): SemVer, API versioning, webhook compatibility, error-code compatibility, and deprecation.\n- [Status and Service Objectives](./docs/status-and-service-objectives.md): public status endpoint, severity levels, response targets, and support scope.\n- [Public SDRP GA Evidence Map](./docs/ga-evidence.md): GA review scope, non-SDRP boundaries, and test-name mapping.\n- [SDRP vs x402](./docs/concepts/sdrp-vs-x402.md): how SDRP relates to HTTP 402 and why it is not x402 wire-compatible.\n\n## Protocol Overview\n\nUse this package when an external EC site, booking service, membership service,\nor paid API wants to accept Siglume wallet payments without taking custody of\ncustomer funds. The SDK creates and verifies one-time and recurring wallet\npayment authorizations; it does not hold customer funds or wallets.\nFor Standard Hosted Checkout, Siglume is the non-custodial protocol provider and\nhosted checkout operator under the published Terms and Direct Request Payment\ndeveloper page. The integrating business remains merchant of record, handles\nfulfillment, buyer support, taxes, prohibited-business screening, and refund\npolicy/transfer execution outside SDRP.\n\nSDRP is built around the HTTP **402 Payment Required** lineage, but it is not\nwire-compatible with Coinbase's x402. See [SDRP vs x402](./docs/concepts/sdrp-vs-x402.md)\nfor the detailed comparison.\n\n## Two Kinds of Buyer\n\nSDRP serves two kinds of buyer, and you integrate each differently. In both\ncases the buyer pays from a **Siglume wallet** (JPYC for JPY, USDC for USD) — it\nis **not** a card payment — and your **merchant SDK never authenticates the\nbuyer**.\n\n1. **Human web shopper → Standard Hosted Checkout.** When a person clicks \"Pay with\n   Siglume\" on your site, call\n   [`createCheckoutSession(...)`](#hosted-checkout-human-web-shoppers) and\n   redirect them to the returned `checkout_url`. They sign into Siglume (passkey\n   or email code — the login *is* the wallet), review the amount, approve once,\n   and pay from their own wallet, then return to your `success_url`. This is the\n   Siglume wallet hosted checkout path.\n\n2. **AI agent / agent-to-agent (AtoA) → direct API / tools.** An autonomous\n   buyer agent pays through `DirectRequestPaymentClient` (your app holds the\n   buyer's Siglume JWT) or through the Siglume marketplace tool\n   `market_confirm_direct_payment_and_execute` (MCP).\n\n   **Prerequisite (important):** agent payment assumes the buyer agent is\n   **already connected to Siglume before the payment**. An AI client\n   (Claude / ChatGPT / Cursor, …) connects through the **Siglume MCP server\n   (OAuth authorization, with a consent screen)**; a custom app holds the\n   buyer's **Siglume bearer token (JWT)**. Either way a Siglume authentication\n   context must be established before paying — the merchant SDK does not log the\n   buyer in. Unattended runs are bounded by Siglume's **approval gates / spending\n   budgets** (per-run / daily / monthly auto-pay budgets), not\n   by the merchant.\n\nHonest framing: the part that integrates quickly is the **merchant plumbing**\n(challenge or checkout session + webhook). Human web payment still requires the\nshopper to have — or create — a Siglume wallet and pay from it; it is not a\ncard-style \"instant\" checkout for first-time buyers.\nSee [Buyer Account and Wallet Onboarding](./docs/buyer-onboarding.md) for the\nrecommended first-use copy and the agent/MCP account-required response shape.\n\n## Fast Path\n\nUse [10-Minute Standard Checkout Integration](./docs/quickstart-10-minutes.md) to add\nStandard Hosted Checkout plumbing to an existing Express or FastAPI product\nwhen merchant credentials, active billing mandate, HTTPS webhook URL,\nlogin/session middleware, a real order database, sandbox verification, accepted\nterms, and live readiness already exist. The path is CLI-first:\n\n```bash\nnpm install @siglume/direct-request-payment\nnpx siglume-sdrp init express --target src/siglume\n# mount the routes, start your app, then:\nnpx siglume-sdrp sandbox --webhook-url http://localhost:3000/payments/webhooks/siglume\nnpx siglume-check verify --sandbox\nnpx siglume-check verify\n```\n\nor:\n\n```bash\npip install siglume-direct-request-payment\nsiglume-sdrp init fastapi --target app/siglume\n# mount the routes, start your app, then use the npm sandbox for local checkout.\n# FastAPI sandbox verification currently requires Node.js/npm:\nnpx siglume-sdrp sandbox --webhook-url http://localhost:3000/payments/webhooks/siglume\nsiglume-check verify --sandbox\n```\n\nThe sandbox command starts a local Siglume-compatible API that creates fake\ncheckout sessions and sends signed webhooks to your product. It never charges a\nwallet; see [SDRP Sandbox](./docs/sandbox.md). `siglume-check preflight`\nchecks account, billing, origin, webhook subscription metadata, and Hosted\nCheckout availability by creating an unpaid expiring checkout session before\nroute mounting. `siglume-check verify` additionally requires a signed webhook\ntest delivery, so run it only after your webhook route is mounted and your app\nis running.\n\nThe Express templates include SQL/ORM adapters plus DynamoDB, MongoDB, and\nFirestore order stores. The FastAPI templates include both sync `Session` and\nasync `AsyncSession` SQLAlchemy adapters. The sandbox also exposes metered\nsummary endpoints so you can verify Micro / Nano seller-borne fee fields before\nusing live credentials.\n\nBefore implementation, confirm Hosted Checkout readiness in\n[Troubleshooting](./docs/troubleshooting.md#hosted-checkout-readiness). For\nstate handling, read [Payment lifecycle](./docs/payment-lifecycle.md) before\nfulfilling orders.\n\n## Who Is Who\n\n| Term | Meaning for public integrations |\n| --- | --- |\n| Buyer | The Siglume wallet user who pays. The merchant SDK does not log this user in. |\n| Merchant | The external product or store that starts checkout, owns the order, and verifies webhooks. |\n| Provider | The revenue recipient in Micro / Nano statements. In a simple EC integration this is usually the same business as the merchant. |\n| Publisher / listing owner | Marketplace-facing owner of a listing or capability. Most Hosted Checkout merchants do not need to handle this term directly. |\n| Payee | Internal settlement-grouping language. Public integration guides avoid this term unless a statement API field includes it. |\n\n## Use-Case Fit\n\n| Use case | Recommended path | 10-minute integration path? | Production work still required |\n| --- | --- | --- | --- |\n| EC one-time Standard payment | Hosted Checkout | Yes, with `siglume-sdrp init`, sandbox, and `siglume-check verify` when prerequisites are ready | Product DB adapter, order-owner authorization, merchant-owned refund/support policy, monitoring |\n| Game consumables | Hosted Checkout or agent/API | Conditional | Idempotent entitlement grants, disconnect recovery, Micro / Nano settlement reconciliation and past-due handling |\n| Paid API / AtoA | Direct API or Siglume marketplace tool | Conditional | Request idempotency, buyer auth context, reconciliation |\n| SaaS subscription | Recurring challenge plus raw API | No | Renewal, cancellation, failed renewal, plan-change lifecycle |\n| Scheduled autopay | Recurring challenge plus schedule token | No | Scheduler, token custody, budget failure handling |\n\n## Hosted Checkout (Human Web Shoppers)\n\nStandard Hosted Checkout is available when the merchant readiness checks pass:\nmerchant registration, settlement wallet, active billing mandate, HTTPS webhook,\nterms acceptance, sandbox confirmation, merchant responsibility attestation, and\nlive mode. Separate merchant underwriting is not a Standard Hosted Checkout\nprotocol precondition and must not be reported as a Hosted Checkout SDK\nreadiness blocker.\n`HostedCheckoutNotAvailableError` means the platform Hosted Checkout switch or\nroute is unavailable. If readiness is incomplete, the API returns\n`HOSTED_CHECKOUT_READINESS_REQUIRED` with the missing checks. Keep the signed\n`direct_payment.confirmed` webhook as the durable signal, and inspect its\nsettlement machine fields before marking any order paid. Run preflight before\nroute mounting and verify after your webhook is live; see\n[Hosted Checkout readiness](./docs/troubleshooting.md#hosted-checkout-readiness).\n\nHosted Checkout is a Siglume-hosted page that turns a \"Pay with Siglume\" button\ninto a completed wallet payment, then returns the shopper to your store. It\norchestrates the same rails as the agent flow — there is no new money movement.\nFulfillment still starts from the signed `direct_payment.confirmed` webhook, but\nyou must inspect the settlement machine fields before deciding whether the event\nmeans Standard settled payment, Micro / Nano accepted usage, or aggregated\nMicro / Nano settlement.\n\nThe snippets below show the raw Hosted Checkout API shape. In production, prefer\nthe generated checkout route and database adapter, or implement the same durable\ncheckout-attempt pattern yourself: claim one active attempt, call\n`createCheckoutSession(...)`, then persist `challenge_hash`,\n`checkout_session_id`, and `checkout_url` before redirecting. If your process\nstops after session creation but before that mapping is saved, the later signed\nwebhook cannot be matched safely to the order.\n\n<!-- siglume-example: ts readme-hosted-checkout -->\n```ts\nimport { DirectRequestPaymentMerchantClient } from \"@siglume/direct-request-payment\";\n\nconst merchant = new DirectRequestPaymentMerchantClient({ auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN });\n\n// 1. Register the return-URL origins once (open-redirect defense). The origin of\n//    your webhook_callback_url is auto-allowed in addition to these.\nawait merchant.setupMerchant({\n  merchant: \"your_merchant_key\",\n  webhook_callback_url: \"https://api.your-shop.com/webhooks/siglume\",\n  checkout_allowed_origins: [\"https://www.your-shop.com\"],\n  standard_terms_accepted: true,\n  merchant_responsibility_attested: true,\n  responsibility_attestation_version: \"sdrp_standard_hosted_checkout_responsibility_v1\",\n});\n\n// 2. Per order: create a session and redirect the shopper to checkout_url.\nconst session = await merchant.createCheckoutSession({\n  merchant: \"your_merchant_key\",\n  amount_minor: 1200,           // server-fixed; the browser cannot change it\n  currency: \"JPY\",\n  nonce: `${order.id}-attempt_${paymentAttempt.number}`,\n  success_url: \"https://www.your-shop.com/thanks\",\n  cancel_url: \"https://www.your-shop.com/cart\",\n  metadata: { order_id: order.id },\n});\nredirect(session.checkout_url); // -> https://siglume.com/pay/<session_id>\n\n// 3. Handle the signed direct_payment.confirmed webhook. Use\n//    classifyDirectPaymentConfirmation(event). Fulfill Standard only for\n//    standard_settled. Do not fulfill metered_usage_accepted unless you have\n//    explicitly enabled Micro / Nano settlement reconciliation.\n//    Poll merchant.getCheckoutSession(session.session_id) if you also want to\n//    show status in your own UI.\n```\n\n<!-- siglume-example: py readme-hosted-checkout -->\n```py\nimport os\n\nfrom siglume_direct_request_payment import DirectRequestPaymentMerchantClient\n\nmerchant = DirectRequestPaymentMerchantClient(auth_token=os.environ[\"SIGLUME_MERCHANT_AUTH_TOKEN\"])\n\n# 1. Register the return-URL origins once (open-redirect defense). The origin of\n#    your webhook_callback_url is auto-allowed in addition to these.\nmerchant.setup_merchant(\n    merchant=\"your_merchant_key\",\n    webhook_callback_url=\"https://api.your-shop.com/webhooks/siglume\",\n    checkout_allowed_origins=[\"https://www.your-shop.com\"],\n    standard_terms_accepted=True,\n    merchant_responsibility_attested=True,\n    responsibility_attestation_version=\"sdrp_standard_hosted_checkout_responsibility_v1\",\n)\n\n# 2. Per order: create a session and redirect the shopper to checkout_url.\nsession = merchant.create_checkout_session(\n    merchant=\"your_merchant_key\",\n    amount_minor=1200,           # server-fixed; the browser cannot change it\n    currency=\"JPY\",\n    nonce=f\"{order['id']}-attempt_{payment_attempt['number']}\",\n    success_url=\"https://www.your-shop.com/thanks\",\n    cancel_url=\"https://www.your-shop.com/cart\",\n    metadata={\"order_id\": order[\"id\"]},\n)\nredirect(session[\"checkout_url\"])  # -> https://siglume.com/pay/<session_id>\n\n# 3. Handle the signed direct_payment.confirmed webhook. Use\n#    classify_direct_payment_confirmation(event). Fulfill Standard only for\n#    standard_settled. Do not fulfill metered_usage_accepted unless you have\n#    explicitly enabled Micro / Nano settlement reconciliation.\n#    Poll merchant.get_checkout_session(session[\"session_id\"]) if you also want\n#    to show status in your own UI.\n```\n\nSiglume fixes the amount, currency, challenge, and return URLs **server-side** at\nsession creation, so the browser cannot tamper with the price or the redirect\ntarget. The shopper's Siglume credentials are never shared with your store.\nCreate `paymentAttempt.number` in your own order DB. Reuse the same nonce for\nnetwork retries of that logical attempt; create a new attempt number only after\nthe prior checkout attempt expired, was cancelled, or failed.\n\n**Who does what.**\n\n- **Merchant** — confirms the order; signs the challenge (agent flow) or creates\n  a checkout session (web flow); verifies the webhook signature; fulfills\n  idempotently. Never sees the buyer's Siglume credentials.\n- **Siglume** — provides the wallet and login, executes the wallet payment,\n  applies the fee, settles on-chain, and routes Micro / Nano automatically by\n  amount band.\n- **Buyer** — needs a Siglume wallet funded in **JPYC / USDC**. **Not a card\n  payment.**\n\n**Optional status poll.** The webhook is the source of truth for fulfillment, but\nyou can read a session's status (`open` / `authenticated` / `paid` / `expired` /\n`cancelled` / `failed`) to drive your own UI:\n\n```ts\nconst status = (await merchant.getCheckoutSession(session.session_id)).status;\n```\n\n```py\nstatus = merchant.get_checkout_session(session[\"session_id\"])[\"status\"]\n```\n\n## Amount-Based Pricing and Settlement\n\nPricing has one structure: you choose a **Standard Payment** plan once during\nsetup, and after that the applied fee and the settlement timing follow the\n**payment amount** automatically. There is nothing else to choose.\n\n- **Standard Payment** — most payments. Your selected plan's percentage fee,\n  settled on-chain immediately after each payment confirms.\n- **Micro Payment** — small payments, applied automatically by amount. A flat\n  per-SDRP-Tx protocol fee, settled weekly or earlier when the same buyer /\n  provider / token / pricing band reaches JPY 10,000 / USD 100.00.\n- **Nano Payment** — very small payments, applied automatically by amount. A\n  flat per-SDRP-Tx protocol fee, settled monthly or earlier when the same buyer\n  / provider / token / pricing band reaches JPY 10,000 / USD 100.00.\n\nHere, `Tx` means one accepted SDRP payment, not the later on-chain settlement\ntransaction. Micro / Nano settlement batches are aggregated on-chain after the\nweekly or monthly close, or earlier when the fixed amount threshold is reached.\n\nMicro Payment and Nano Payment are not separate products you opt into; they are\namount bands Siglume applies on your behalf. Payment initiation is the same\nacross amount bands. Fulfillment, revenue recognition, reconciliation, past-due\nhandling, and terminal write-off handling differ for Micro / Nano. The full fee\ntable and the exact weekly / monthly settlement schedule plus early threshold\nsettlement rule are in\n[docs/pricing.md](./docs/pricing.md).\nProvider revenue in the Micro and Nano bands is not settled revenue until the\naggregated on-chain settlement succeeds. Siglume keeps outstanding failed\nsettlements for retry under the published policy, but does not advance or\nguarantee provider revenue before settlement succeeds. Merchant setup and the\nbilling mandate terms assume the merchant accepts this Micro / Nano delayed\naggregated settlement model whenever they offer amounts in these bands. If a\nproduct cannot fulfill before provider revenue is settled, keep the price in the\nStandard band; in practice, do not offer JPY 500-and-under or USD 3-and-under\nitems for that product.\nSelf-service setup records this acceptance in\n`merchant_account.metadata_jsonb.metered_risk_acceptance`, including\n`terms_version`, `accepted_at`, `principal_user_id`, `receipt_id`, and fixed\nmarket thresholds `JPY: 10000` / `USD: 10000`.\nMicro / Nano budget checks reserve spending capacity only; they do not lock,\nescrow, or guarantee the buyer's wallet balance, allowance, or settlement funds.\nSub-minor-unit Nano fees are accumulated with decimal precision, but they are\nseller-borne: `buyer_debit_minor = provider_gross_amount_minor`, and the fixed\nMicro / Nano protocol fee is deducted from provider receivable. If\n`rounding_delta_minor` appears in a statement schema, treat it as a compatibility\nor internal platform accounting field; it is not added to buyer debit and is not\nprovider revenue. Treat Micro / Nano minor amounts as decimal strings and use a\ndecimal library or `Decimal` for accounting.\nFor operational reconciliation, expected revenue, settled revenue, retry state,\nand CSV exports, see\n[docs/metered-statements.md](./docs/metered-statements.md).\n\n## What This SDK Covers\n\n- merchant self-service setup with a Siglume merchant JWT\n- challenge secret creation and rotation\n- merchant billing mandate preparation\n- Hosted Checkout session creation and status reads\n- webhook subscription creation\n- `siglume-check preflight` / `siglume-check verify`\n- local sandbox checkout and signed webhook delivery\n- generated Express and FastAPI checkout/webhook routes\n- SQL/ORM, DynamoDB, MongoDB, Firestore, and SQLAlchemy order-store adapters\n- merchant-signed payment challenges\n- buyer-authenticated payment requirement creation\n- prepared wallet transaction execution payloads\n- payment requirement verification\n- authenticated TypeScript JSON requests and named Python helpers for Micro /\n  Nano statement APIs\n- signed webhook verification\n\nIt does not custody funds, manage customer wallets, become merchant of record,\nor underwrite the merchant business. Merchant setup runs through Siglume APIs\nwith the merchant's Siglume JWT; buyer payment creation runs with the buyer's\nSiglume JWT.\n\n## Install\n\n```bash\nnpm install @siglume/direct-request-payment\n```\n\n```bash\npip install siglume-direct-request-payment\n```\n\nNode.js 20.19 or later, or Node.js 22.12 or later, is required for the\nTypeScript SDK and generated Express templates. Python 3.11 or later is\nrequired for the Python SDK.\n\n## Pricing\n\nPricing has one structure: choose a Standard Payment plan, then Siglume applies\nthe fee for each payment by amount. Micro / Nano are automatic amount bands, not\nextra setup choices.\n\nBoth launch settlement currencies are first-class where enabled: JPY settled in\nJPYC, and USD settled in USDC. Some accounts may require agreed USD/USDC terms\nbefore USD is enabled. A merchant settles in one currency, chosen at\nonboarding. The settlement fee percentage is identical in both currencies; only\nthe flat amounts differ.\n\n| Public one-time payment amount | Applied automatically | What you select | Fee | Settlement |\n| --- | --- | --- | --- | --- |\n| JPY 501+ / USD 3.01+ | Standard Payment | Select one Standard plan: Launch, Starter, Growth, or Pro | Launch: JPY 0 / USD 0 monthly, 1.8%; Starter: JPY 980 / USD 6 monthly, 1.0%; Growth: JPY 2,980 / USD 18 monthly, 0.7%; Pro: JPY 9,800 / USD 60 monthly, 0.5%. Minimum JPY 30 / USD 0.20 per payment. | Settled on-chain immediately after the payment confirms |\n| JPY 50-500 / USD 0.31-3.00 | Micro Payment | Applied automatically by amount | JPY 2 / USD 0.01 per SDRP Tx | Closes weekly, or earlier when provider gross reaches JPY 10,000 / USD 100.00. See [Settlement schedule](./docs/pricing.md#settlement-schedule). |\n| JPY 1-49 / USD 0.01-0.30 | Nano Payment | Applied automatically by amount | JPY 0.2 / USD 0.001 per SDRP Tx | Closes monthly, or earlier when provider gross reaches JPY 10,000 / USD 100.00. See [Settlement schedule](./docs/pricing.md#settlement-schedule). |\n\nIn this table, `Tx` means one accepted SDRP payment, not an on-chain settlement\ntransaction.\n\nA merchant billing mandate is required before accepting payments, even on the\nLaunch plan. The current public API chooses the payment band from\n`amount_minor`; JPY 500-and-under / USD 3-and-under payments are routed to\nMicro / Nano delayed aggregated settlement. Accepting the SDRP merchant terms\nmeans accepting automatic Micro / Nano delayed aggregated settlement for those\nlow-price bands. If immediate on-chain settlement is a hard requirement, price\nthe item in the Standard band; in practice, do not offer JPY 500-and-under or\nUSD 3-and-under items for that product. Public Direct Payment / Hosted Checkout\n`amount_minor` is a positive integer in minor currency units, so public one-time\nNano amounts start at JPY 1 or USD 0.01. For Standard Payment, `fee_bps`\nreturned on a payment requirement is the authoritative fee rate for that payment\nin the merchant's settlement currency. For Micro / Nano, the statement APIs\nexpose `protocol_fee_minor`, `gross_buyer_debit_minor`, `buyer_debit_minor`, and\n`rounding_delta_minor`. `provider_gross_amount_minor` is the canonical provider\ngross field; `provider_usage_amount_minor` and `gross_buyer_debit_minor` are\nlegacy aliases of the same amount.\nAll SDRP payment fees are seller-borne. Standard Payment fees are deducted from\nthe merchant settlement amount. Micro / Nano protocol fees are deducted from\nprovider receivable at aggregated settlement and are not added to the buyer\ndebit.\nThe full fee table, the weekly / monthly settlement schedule, and the JPY\n10,000 / USD 100.00 early settlement threshold live in\n[docs/pricing.md](./docs/pricing.md). Statement APIs for \"how much was used,\nwhen will it close, when can it debit, and what is settled\" are documented in\n[docs/metered-statements.md](./docs/metered-statements.md).\n\n## Merchant Setup: One SDK Call\n\nRun this once from the merchant server or an integration agent with the\nmerchant's Siglume JWT. It reserves the merchant key, creates the challenge\nsecret, prepares the billing mandate, and creates the webhook subscription.\n\n```ts\nimport { DirectRequestPaymentMerchantClient } from \"@siglume/direct-request-payment\";\n\nconst merchant = new DirectRequestPaymentMerchantClient({\n  auth_token: process.env.SIGLUME_MERCHANT_AUTH_TOKEN!,\n});\n\nconst setup = await merchant.setupCheckout({\n  merchant: \"example_merchant\",\n  display_name: \"Example Merchant\",\n  billing_plan: \"launch\",\n  billing_currency: \"JPY\",\n  webhook_callback_url: \"https://merchant.example/siglume/webhook\",\n  max_amount_minor: 100000,\n  standard_terms_accepted: true,\n  merchant_responsibility_attested: true,\n  responsibility_attestation_version: \"sdrp_standard_hosted_checkout_responsibility_v1\",\n});\n\n// setup.env holds the merchant key plus the challenge and webhook secrets:\n//   SIGLUME_DIRECT_PAYMENT_MERCHANT       (not secret)\n//   SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET  (secret)\n//   SIGLUME_WEBHOOK_SECRET                   (secret)\n// Write these to your server-side secret store. Do NOT log the secret values.\nconsole.log(`Configured merchant: ${setup.env.SIGLUME_DIRECT_PAYMENT_MERCHANT}`);\n```\n\n```py\nimport os\n\nfrom siglume_direct_request_payment import DirectRequestPaymentMerchantClient\n\nmerchant = DirectRequestPaymentMerchantClient(\n    auth_token=os.environ[\"SIGLUME_MERCHANT_AUTH_TOKEN\"],\n)\n\nsetup = merchant.setup_checkout(\n    merchant=\"example_merchant\",\n    display_name=\"Example Merchant\",\n    billing_plan=\"launch\",\n    billing_currency=\"JPY\",\n    webhook_callback_url=\"https://merchant.example/siglume/webhook\",\n    max_amount_minor=100000,\n    standard_terms_accepted=True,\n    merchant_responsibility_attested=True,\n    responsibility_attestation_version=\"sdrp_standard_hosted_checkout_responsibility_v1\",\n)\n\n# setup[\"env\"] holds the merchant key plus the challenge and webhook secrets.\n# Persist them to your server-side secret store; do not log the secret values.\nprint(\"Configured merchant:\", setup[\"env\"][\"SIGLUME_DIRECT_PAYMENT_MERCHANT\"])\n```\n\nStore returned secrets on the merchant server. `challenge_secret` and\n`signing_secret` are returned only when they are created or rotated. If a billing\nmandate response requires wallet approval, complete that Siglume wallet step\nbefore accepting production payments.\n\n## Merchant Server: Create a Challenge\n\n```ts\nimport { createDirectRequestPaymentChallenge } from \"@siglume/direct-request-payment\";\n\nconst challenge = await createDirectRequestPaymentChallenge({\n  merchant: \"example_merchant\",\n  amount_minor: 1200,\n  currency: \"JPY\",\n  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,\n  nonce: \"order_123-attempt_1\",\n});\n\n// Return only challenge.challenge to the buyer-facing checkout.\n// Never return the challenge secret to the browser.\nconsole.log(challenge.challenge);\n```\n\n```py\nimport os\n\nfrom siglume_direct_request_payment import create_direct_request_payment_challenge\n\nchallenge = create_direct_request_payment_challenge(\n    merchant=\"example_merchant\",\n    amount_minor=1200,\n    currency=\"JPY\",\n    secret=os.environ[\"SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET\"],\n    nonce=\"order_123-attempt_1\",\n)\n\nprint(challenge[\"challenge\"])\n```\n\nThe signed challenge binds:\n\n- merchant key\n- amount in minor units\n- currency\n- nonce\n\nChanging any of those values invalidates the challenge.\nThe nonce must not contain `:` because the current platform challenge format is\n`scheme:nonce:signature`.\n\n## Buyer Payment Flow\n\nUse `DirectRequestPaymentClient` here with the authenticated buyer's Siglume\nbearer token. `SIGLUME_AUTH_TOKEN` may be used in server-side payment-confirmation\nhelpers; `SIGLUME_API_KEY` and Developer Portal `cli_` keys are not accepted.\n\n```ts\nimport { DirectRequestPaymentClient } from \"@siglume/direct-request-payment\";\n\nconst siglume = new DirectRequestPaymentClient({\n  auth_token: buyerSiglumeBearerToken,\n});\n\nconst requirement = await siglume.createPaymentRequirement({\n  merchant: \"example_merchant\",\n  amount_minor: 1200,\n  currency: \"JPY\",\n  challenge: challengeFromMerchantServer,\n});\n\nif (requirement.approve_transaction_request) {\n  await siglume.executeAllowanceTransaction(requirement, { await_finality: true });\n}\n\nconst payment = await siglume.executePaymentTransaction(requirement, {\n  await_finality: true,\n});\n\nconst receiptId = String(payment.receipt?.receipt_id ?? \"\");\nconst verified = await siglume.verifyPaymentRequirement(requirement.requirement_id, {\n  receipt_id: receiptId,\n  await_finality: false,\n});\n\nconsole.log(verified.status);\n```\n\n```py\nfrom siglume_direct_request_payment import DirectRequestPaymentClient\n\nsiglume = DirectRequestPaymentClient(auth_token=buyer_siglume_bearer_token)\n\nrequirement = siglume.create_payment_requirement(\n    merchant=\"example_merchant\",\n    amount_minor=1200,\n    currency=\"JPY\",\n    challenge=challenge_from_merchant_server,\n)\n\nif requirement.get(\"approve_transaction_request\"):\n    siglume.execute_allowance_transaction(requirement, await_finality=True)\n\npayment = siglume.execute_payment_transaction(requirement, await_finality=True)\nreceipt_id = str((payment.get(\"receipt\") or {}).get(\"receipt_id\") or \"\")\n\nverified = siglume.verify_payment_requirement(\n    requirement[\"requirement_id\"],\n    receipt_id=receipt_id,\n    await_finality=False,\n)\n\nprint(verified[\"status\"])\n```\n\n## Recurring Payments: Subscription and Scheduled Autopay\n\nBeyond one-time checkout, a buyer can authorize recurring payments. The merchant\napproves the price and recurring product tag ONCE by signing a recurring\nchallenge (a distinct scheme, so one-time challenges and recurring approvals can\nnever be replayed as each other); after that, recurring charges are\nchallenge-free by design. Subscriptions are bounded by the buyer's mandate;\nscheduled autopay is bounded by the buyer's per-run, daily, and monthly\nauto-pay budget.\n\nCurrent SDK scope: recurring support covers challenge construction, challenge\nverification, and webhook helpers. Subscription/schedule lifecycle creation,\nrenewal management, cancellation UI, plan changes, and failed-renewal recovery\nare not fully wrapped by high-level SDK methods yet; use the documented raw\nSiglume API paths and your own operations workflow for those parts.\n\n- **Subscription** (`cadence: \"monthly\"`): Siglume charges the buyer's wallet\n  monthly and pays your merchant wallet automatically. First month is charged at\n  setup. The buyer can cancel from their Siglume wallet at any time.\n- **Scheduled autopay** (`cadence: \"daily\"`): `daily` is the approval tag for\n  merchant-triggered scheduled autopay, not a run-count limiter. The\n  buyer authorizes the per-run amount and budget envelope, then hands you a\n  `schedule_token`; YOUR scheduler triggers each occurrence with that token.\n\n```ts\nimport { createDirectRequestPaymentRecurringChallenge } from \"@siglume/direct-request-payment\";\n\n// Merchant server: approve a JPY 980 monthly subscription once.\nconst recurring = await createDirectRequestPaymentRecurringChallenge({\n  merchant: \"example_merchant\",\n  amount_minor: 980,\n  currency: \"JPY\",\n  cadence: \"monthly\",\n  secret: process.env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET!,\n  nonce: \"subscription_setup_4711\",\n});\n\n// Hand recurring.challenge to the buyer-facing page. The buyer creates the\n// subscription with their Siglume token:\n//   POST /v1/sdrp/direct-payments/subscriptions\n//   { merchant, amount_minor, currency, cadence: \"monthly\", challenge }\n// For scheduled autopay, the buyer instead creates a scheduled auto-pay\n// authorization and hands you the schedule_token; your scheduler triggers\n// each occurrence with that token.\n```\n\n```py\nimport os\n\nfrom siglume_direct_request_payment import create_direct_request_payment_recurring_challenge\n\n# Merchant server: approve a JPY 980 monthly subscription once.\nrecurring = create_direct_request_payment_recurring_challenge(\n    merchant=\"example_merchant\",\n    amount_minor=980,\n    currency=\"JPY\",\n    cadence=\"monthly\",\n    secret=os.environ[\"SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET\"],\n    nonce=\"subscription_setup_4711\",\n)\n\n# Hand recurring[\"challenge\"] to the buyer-facing page, as in the TS example.\nprint(recurring[\"challenge\"])\n```\n\nEach recurring challenge is single-use: it authorizes exactly one subscription\nor schedule, bound to the first buyer who redeems it. Issue a fresh challenge\nper setup. The platform fee on recurring charges is your plan's payment fee\n(with the per-payment minimum), frozen at setup.\n\nMerchant-facing webhook events: `subscription.created`, `subscription.renewed`\n(each monthly charge), `payment.failed` (renewal failure, with `will_retry` /\n`final_failure` flags), `subscription.cancelled`, and — for each scheduled\nautopay occurrence — the usual `direct_payment.confirmed`.\n\n## Webhooks\n\nYour merchant system should treat Siglume webhooks as the durable delivery\nsignal. Always verify the signature against the raw request body before trusting\nthe payload. Create a marketplace webhook subscription with\n`POST /v1/market/webhooks/subscriptions`; the response returns the `whsec_`\nsigning secret once.\n\n```ts\nimport {\n  classifyDirectPaymentConfirmation,\n  verifyDirectRequestPaymentWebhook,\n} from \"@siglume/direct-request-payment\";\n\nconst { event } = await verifyDirectRequestPaymentWebhook(\n  process.env.SIGLUME_WEBHOOK_SECRET!,\n  rawRequestBody,\n  request.headers[\"siglume-signature\"],\n);\n\nif (event.type === \"direct_payment.confirmed\") {\n  const confirmation = classifyDirectPaymentConfirmation(event);\n  if (confirmation.kind === \"metered_batch_settled\") {\n    // Reconcile settled Micro / Nano batches by settlement_batch_id /\n    // usage_event_digest; these events do not carry an order challenge hash.\n  } else if (confirmation.kind === \"standard_settled\") {\n    // Mark the order paid once if event.data.challenge_hash/order mapping matches.\n  } else if (confirmation.kind === \"metered_usage_accepted\") {\n    // Default Standard-only integrations should not fulfill this.\n    // Enable Micro / Nano only with settlement reconciliation and past-due handling.\n  } else {\n    // Route confirmation.reason to manual review. Do not mark paid or fulfilled.\n  }\n}\n```\n\n```py\nimport os\n\nfrom siglume_direct_request_payment import (\n    classify_direct_payment_confirmation,\n    verify_direct_request_payment_webhook,\n)\n\nverified = verify_direct_request_payment_webhook(\n    os.environ[\"SIGLUME_WEBHOOK_SECRET\"],\n    raw_request_body,\n    siglume_signature_header,\n)\n\nif verified[\"event\"][\"type\"] == \"direct_payment.confirmed\":\n    confirmation = classify_direct_payment_confirmation(verified[\"event\"])\n    if confirmation[\"kind\"] == \"metered_batch_settled\":\n        # Reconcile settled Micro / Nano batches by settlement_batch_id /\n        # usage_event_digest; these events do not carry an order challenge hash.\n        pass\n    elif confirmation[\"kind\"] == \"standard_settled\":\n        # Mark the order paid once if event.data.challenge_hash/order mapping matches.\n        pass\n    elif confirmation[\"kind\"] == \"metered_usage_accepted\":\n        # Default Standard-only integrations should not fulfill this.\n        # Enable Micro / Nano only with settlement reconciliation and past-due handling.\n        pass\n    else:\n        # Route confirmation[\"reason\"] to manual review. Do not mark paid or fulfilled.\n        pass\n```\n\nNew `direct_payment.confirmed` payloads include `pricing_band`,\n`settlement_cadence`, `finality`, `protocol_fee_minor`, `settlement_status`,\n`settlement_batch_id`, `chain_receipt_id`, `usage_event_digest`, `settled_at`,\nand when available `request_hash_v2`. Use\n`classifyDirectPaymentConfirmation(event)` /\n`classify_direct_payment_confirmation(event)` or the same machine-field checks\ninstead of inferring settlement semantics from the event name alone. Do not mark\nan order paid from the event type alone.\n\n## Security Rules\n\n- Keep the challenge secret on the merchant server only.\n- Keep merchant order amount and currency server-authored.\n- Use one nonce per order payment attempt.\n- Store `challenge_hash` with the order and reject mismatches.\n- Make order fulfillment idempotent by `requirement_id` and order id.\n- Verify webhook signatures against the raw body.\n- Do not use a merchant token to charge a customer wallet.\n- Do not treat Direct Request Payment as stored value, prepaid points, escrow, or\n  a platform balance.\n\nRead [docs/security.md](./docs/security.md) before going live. Use\n[docs/troubleshooting.md](./docs/troubleshooting.md) for operational error\nhandling and support escalation.\n\n## Go-Live Checklist\n\n- Run `setupCheckout` with the merchant Siglume JWT.\n- Complete the merchant billing mandate wallet approval if required.\n- Store `SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET` only on the merchant server.\n- Store the returned `SIGLUME_WEBHOOK_SECRET` only on the merchant server.\n- Persist `challenge_hash`, `requirement_id`, and fulfillment state per order.\n- Fulfill orders only from verified webhook data, with idempotency, after\n  checking `pricing_band`, `settlement_cadence`, `finality`, and\n  `settlement_status`.\n- Treat `fee_bps` returned by Siglume as the Standard Payment runtime fee source\n  of truth; use statement API amount fields for Micro / Nano.\n\n## Compatibility Notes\n\n- The Direct Request Payment HTTP endpoints live under\n  `/v1/sdrp/direct-payments/...`; the SDK targets them for you.\n- The platform tags these payments with the internal mode value `external_402`,\n  which reflects SDRP's HTTP 402 Payment Required lineage (it is **not**\n  x402-wire-compatible — see \"Relationship to HTTP 402\"). The merchant registry\n  may also still expose the legacy billing-plan key `free` for the Launch tier.\n  The SDK sets and reads these values for you; `external_402` is an internal\n  mode identifier, not a public product name.\n\n## Documentation\n\n- [Merchant quickstart](./docs/merchant-quickstart.md)\n- [10-minute product integration](./docs/quickstart-10-minutes.md)\n- [Payment lifecycle](./docs/payment-lifecycle.md)\n- [Troubleshooting](./docs/troubleshooting.md)\n- [API reference](./docs/api-reference.md)\n- [Pricing](./docs/pricing.md)\n- [Micro / Nano statements and notices](./docs/metered-statements.md)\n- [Security guide](./docs/security.md)\n- [Merchant setup example](./examples/setup-merchant.ts)\n- [Express checkout example](./examples/express-checkout.ts)\n- [Hosted Checkout TypeScript starter](./examples/hosted-checkout-typescript)\n- [Hosted Checkout Python starter](./examples/hosted-checkout-python)\n- [Japanese launch announcement draft](./docs/announcement-ja.md)\n- [Changelog](./CHANGELOG.md)\n\n## License\n\nMIT\n","readmeFilename":"README.md"}