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billing in one module — config-driven plan catalogue, Stripe subscriptions, polymorphic user and workspace billing surfaces, usage metering, and webhook handling.","maintainers":[{"name":"fonderie","email":"choleski@gmx.com"}],"readme":"# @fonderie/billing\n\nSaaS billing as a brick: a config-driven plan catalogue, Stripe\nsubscriptions, feature gates, and usage limits — so \"can this workspace do\nthat?\" is one function call.\n\n## Install\n\n```sh\nnpm install @fonderie/billing\n```\n\n## Use\n\n```ts\nimport { FonderieApp, defineConfig } from '@fonderie/core';\nimport { BillingModule } from '@fonderie/billing';\n\nconst app = await new FonderieApp(defineConfig({}))\n  .register(new BillingModule())\n  .boot();\n```\n\nGate routes and features:\n\n```ts\nimport { requirePlan, requireFeature, hasFeature, getPlanLimit } from '@fonderie/billing';\n```\n\n`StripeProvider` handles checkout and webhook events; usage counters run\non `MemoryCounterBackend` or `DBCounterBackend`.\n\n## Stored-value wallet (opt-in)\n\nSetting `wallet` on the billing config turns on a ledger-backed credit\nwallet: subscribers hold a balance (`bigint`, smallest currency unit), buy\nconfig-defined credit packs through one-time provider checkout, and plans\nprice metered actions in credits.\n\n```ts\nnew BillingModule(store, {\n  provider: new StripeProvider(secretKey),\n  successUrl, cancelUrl, webhookSecret,\n  wallet: {\n    currency: 'USD',\n    webhookSecret: process.env.STRIPE_PAYMENT_WEBHOOK_SECRET, // separate endpoint\n    creditPacks: [{ id: 'small', name: 'Small pack', credits: 5000n, priceAmount: 499n }],\n  },\n  plans: [{\n    name: 'payg',\n    wallet: {\n      grantAmount: 50n, // auto-granted lazily, once per period\n      rates: { 'sms:send': { cost: 75n, unit: 'msg' } },\n    },\n  }],\n});\n```\n\nEvery mutation goes through the append-only ledger with an idempotency\nkey — the balance table is a cache, debits are atomic (`FOR UPDATE` plus a\nconditional-update floor), and webhook replays are no-ops. In routes:\n`requireWalletBalance('sms:send')` gates on affordability; inside the unit\nof work, `debitWalletForMetric(ctx, 'sms:send', { idempotencyKey: taskId }, store)`\ncharges the plan rate exactly once. Wallet amounts cross HTTP as digit\nstrings (`IWalletDTO`).\n\n## Payment methods (in-app card management)\n\nLet subscribers add and manage a card **without leaving your site** — no\nredirect to a hosted portal. Four routes, all `requireAuth` and scoped to the\ncaller's own provider customer (created lazily on first use):\n\n| Route | Does |\n|---|---|\n| `POST /billing/payment-method/setup` | Starts card entry — returns a provider **SetupIntent** `{ clientSecret }` for an embedded card element (Stripe Payment Element) to confirm. |\n| `PUT /billing/payment-method` | After the element confirms, records `{ paymentMethodId }` as the default and returns the saved card `{ paymentMethod }`. |\n| `GET /billing/payment-method` | The card on file (`brand` / `last4` / `expMonth` / `expYear`), or `null`. |\n| `DELETE /billing/payment-method` | Detaches the card at the provider and clears the record. |\n\nThe flow is three steps and stays on-page:\n\n1. `POST …/payment-method/setup` → hand the `clientSecret` to a Stripe Payment Element.\n2. The element confirms the SetupIntent client-side (`confirmSetup({ redirect: 'if_required' })`) — no off-site bounce.\n3. `PUT …/payment-method` with the resulting `paymentMethodId` → it becomes the default, ready to charge off-session.\n\n`StripeProvider` implements this through optional `IBillingProvider` methods —\n`createSetupIntent` / `setDefaultPaymentMethod` / `detachPaymentMethod`; a\nprovider that omits them answers `501` and the UI reads that as \"in-app entry\nunavailable\" (fall back to the hosted portal). Every write is ownership-checked\n— the payment method must belong to the caller's customer — and the read's\nconsented-card branch falls through to the default/newest card when the stored\nid no longer belongs to the customer.\n\nServer-side, the provider-normalized card (`INormalizedCard`) additionally\ncarries the Stripe card `fingerprint` for app-level fraud/trial-abuse\ncomposition. It is deliberately excluded from `IPaymentMethodDTO`, so **no\npayment-method route ever returns it** (`GET` and `PUT` share that DTO). See\nthe `INormalizedCard` doc comment for its stability and fail-open caveats.\n\nThe SetupIntent offers the payment method types you configure on the provider,\ndefaulting to card only:\n\n```ts\nimport { StripeProvider, SUPPORTED_PAYMENT_OPTIONS } from '@fonderie/billing';\n\n// default — card only: displayable (\"Visa •••• 4242\"), off-session-chargeable, on-page\nnew StripeProvider(secretKey, webhookSecret);\n// equivalent explicit form, and how to broaden it:\nnew StripeProvider(secretKey, webhookSecret, {\n  setupPaymentMethodTypes: [SUPPORTED_PAYMENT_OPTIONS.CARD],\n});\n```\n\nCard is the default because it is the only method that yields a payment method\nwith a `card` object — one that shows as a card on file and reads back. Wallet\nmethods like Stripe `LINK` are off-session-chargeable but produce a `type:'link'`\nPM with no card details, so they can't be displayed as a stored card. The brick\ndoesn't hard-code this — it's your policy.\n\nWire the UI with the framework hooks — `usePaymentMethod`,\n`useSetupPaymentMethod`, `useSavePaymentMethod`, `useRemovePaymentMethod` in\n[`@fonderie/react-billing`](https://github.com/fonderiejs/sdk/tree/main/packages/react-billing)\n/ [`@fonderie/vue-billing`](https://github.com/fonderiejs/sdk/tree/main/packages/vue-billing)\n/ `@fonderie/react-native-billing` — or drop in `SubscriptionScreen` from the\n`*-billing-screens` packages, which shows and removes the card and delegates\nadd/update to your own Payment Element.\n\n## Buying credits in-app (charge the saved card)\n\nOnce a card is on file, a subscriber can buy a credit pack **without leaving the\nsite** — no redirect to hosted checkout. `POST /billing/wallet/purchase`\n(`{ packId, idempotencyKey }`) charges the saved card and credits the wallet:\n\n| Outcome (`result.status`) | Meaning | What the client does |\n|---|---|---|\n| `credited` | charged + wallet credited | show success, refresh the balance — no redirect |\n| `checkout_required` | no saved card, or the card needs 3-D Secure | fall back to `POST /billing/wallet/checkout` (hosted) |\n| `declined` | card declined | surface the error / offer another card |\n| `processing` | indeterminate (network/timeout) | retry with the **same** `idempotencyKey` — never a new payment |\n\n`StripeProvider` bills through a real **invoice** (`chargeViaInvoice`: draft →\nline item → finalize → pay off-session), so the buyer gets an invoice — number +\ndownloadable PDF + hosted page — alongside the card receipt, and it appears in\n`GET /billing/invoices`. A provider without `chargeViaInvoice` falls back to\n`chargeOffSession` (a bare charge — receipt only). Either way the wallet credit is\nidempotent on the resulting PaymentIntent (a double-submit or retry credits once),\nand an `invoice.paid` webhook heals an indeterminate charge, keyed on the same\nPaymentIntent so it still credits exactly once.\n\nSet `wallet.blockPacksWhileSubscribed: true` to refuse pack purchases for an\nactive/trialing subscriber on a paid plan (server-enforced on **both** the hosted\nand in-app paths) — their plan already includes its credits.\n\nWire the UI with `usePurchasePack` in\n[`@fonderie/react-billing`](https://github.com/fonderiejs/sdk/tree/main/packages/react-billing)\n/ [`@fonderie/vue-billing`](https://github.com/fonderiejs/sdk/tree/main/packages/vue-billing)\n/ `@fonderie/react-native-billing` — it charges the card, retries `processing`\nin place with one key, and resolves to the outcome so you fall back to hosted\ncheckout on `checkout_required`.\n\n## Why this exists\n\nYou've shipped this plumbing before — auth, teams, billing, messaging —\nand the next project will ask for it again. Fonderie packages it once:\nplain TypeScript modules for\n[`@fonderie/core`](https://github.com/fonderiejs/sdk/tree/main/packages/core),\nPostgreSQL-backed, self-hosted, MIT. No external control plane, no\nper-seat anything. Register the modules you need; skip the ones you don't.\n\n**This package owns** what the caller pays for. Plans, subscriptions, feature gates, and\nusage limits — the commercial rules the other bricks consult before acting.\n\nBrowse the whole set at\n[fonderiejs/sdk](https://github.com/fonderiejs/sdk) · follow\n[@fonderiejs](https://x.com/fonderiejs)\n\n## License\n\nMIT © Fonderie, Inc.\n","readmeFilename":"README.md"}