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merchant-initiated), and partner server-to-server. Pair it with Node `tagada.payments.process()` (or `POST /payments/process`). Do not also create a Headless checkout session for the same first payment.\n\nIf TagadaPay should manage the cart, use `@tagadapay/headless-sdk` instead (it calls this package for `tokenizeCard()`). See [Choose how you accept payments](https://docs.tagada.io/developer-tools/payments/choose-your-integration).\n\n## Features\n\n- ✅ **Provider-Agnostic**: Works with BasisTheory, Stripe, Adyen, or any tokenization provider\n- ✅ **TagadaToken**: Automatic creation of TagadaPay's standard token format\n- ✅ **3DS Authentication**: Complete 3DS flow with session management and challenge handling\n- ✅ **SCA Detection**: Automatic detection of Strong Customer Authentication requirements\n- ✅ **Airwallex Radar**: Device fingerprint collection and payment resumption for Airwallex\n- ✅ **Stripe Radar**: Stripe.js Radar session creation and payment resumption for Stripe\n- ✅ **React Hooks**: Optional React integration with `useCardTokenization`, `useThreeds`, `useAirwallexRadar`, and `useStripeRadar`\n- ✅ **Framework Agnostic**: Core functionality works in any JavaScript environment\n- ✅ **TypeScript**: Full type safety and IntelliSense support\n\n## Installation\n\n```bash\nnpm install @tagadapay/core-js\n# or\npnpm install @tagadapay/core-js\n```\n\n## Get Your API Keys\n\nGet your TagadaPay API keys from: **[https://app.tagadapay.com/settings/apiKeys](https://app.tagadapay.com/settings/apiKeys)**\n\nYou'll need these for backend operations (payment processing, payment instrument creation, etc.). Card tokenization happens client-side and doesn't require API keys.\n\n## Quick Start\n\n### React (Recommended)\n\n```typescript\nimport { useCardTokenization } from '@tagadapay/core-js/react';\n\nfunction CheckoutForm() {\n const { tokenizeCard, isLoading, error } = useCardTokenization({\n environment: 'production',\n autoInitialize: true,\n });\n\n const handleSubmit = async (cardData) => {\n // Get TagadaToken (ready for backend) and rawToken (for UI)\n const { tagadaToken, rawToken } = await tokenizeCard(cardData);\n\n // Check if 3DS is required (provider-agnostic!)\n if (rawToken.metadata?.auth?.scaRequired) {\n console.log('3DS authentication required');\n }\n\n // Send to your backend\n await fetch('/api/payment-instruments/create', {\n method: 'POST',\n body: JSON.stringify({ tagadaToken, storeId, customerData }),\n });\n };\n\n return
{/* Your form */}
;\n}\n```\n\n### Vanilla JavaScript\n\n```typescript\nimport { Tokenizer, createTagadaToken } from '@tagadapay/core-js';\n\nconst tokenizer = new Tokenizer({ environment: 'production' });\nawait tokenizer.initialize();\n\n// Returns TagadaToken string\nconst tagadaToken = await tokenizer.tokenizeCard(cardData);\n\n// Or get normalized response\nconst rawToken = await tokenizer.tokenizeCardRaw(cardData);\nconst tagadaToken = createTagadaToken(rawToken);\n```\n\n### Radar payments (fraud / device fingerprint)\n\nWhen `POST /api/public/v1/payments/process` returns `requireAction: \"radar\"`, run the client-side Radar step, save the session, then continue the payment:\n\n```typescript\nimport { StripeRadarManager, getStripeRadarConfig } from '@tagadapay/core-js';\n\n// 1. Detect radar on the payment response\nif (payment.requireAction === 'radar') {\n const config = getStripeRadarConfig(payment.requireActionData);\n\n // 2. Collect session → save → continue (one call)\n const resumed = await stripeRadar.handleRadarAction({\n paymentId: payment.id,\n publishableKey: config!.publishableKey,\n orderId: config!.orderId,\n });\n\n // 3. Handle result (success, redirect/3DS, or poll)\n if (resumed.status === 'succeeded') { /* done */ }\n}\n```\n\nSee **[Handling Radar and Continuing Payments](docs/radar-payments.md)** for the full flow (Airwallex + Stripe, manual steps, error handling, and end-to-end examples).\n\n## Core Concepts\n\n### TagadaToken\n\nTagadaPay's standard token format that wraps provider-specific tokens:\n\n```json\n{\n \"type\": \"card\",\n \"token\": \"provider_token_id\",\n \"provider\": \"basistheory\",\n \"nonSensitiveMetadata\": {\n \"authentication\": \"sca_required\",\n \"last4\": \"4242\",\n \"bin\": \"424242\",\n \"brand\": \"visa\",\n \"expiryMonth\": 12,\n \"expiryYear\": 2026\n }\n}\n```\n\n### SCA Detection (Provider-Agnostic)\n\n```typescript\nconst { rawToken } = await tokenizeCard(cardData);\n\n// Works with ANY provider (BasisTheory, Stripe, Adyen, etc.)\nif (rawToken.metadata?.auth?.scaRequired) {\n // Handle 3DS authentication\n}\n```\n\n### Provider Pattern\n\nUse the default provider (BasisTheory):\n\n```typescript\nconst tokenizer = new Tokenizer();\n```\n\nOr use a custom provider:\n\n```typescript\nimport { Tokenizer, StripeProvider } from '@tagadapay/core-js';\n\nconst tokenizer = new Tokenizer({\n provider: new StripeProvider({ apiKey: 'pk_...' }),\n});\n```\n\n## API Reference\n\n### useCardTokenization (React Hook)\n\n```typescript\ninterface TokenizeCardResult {\n tagadaToken: string; // Base64-encoded TagadaToken (send to backend)\n rawToken: CardTokenResponse; // Normalized token (for UI/SCA checking)\n}\n\nconst {\n tokenizeCard: (cardData: CardPaymentMethod) => Promise,\n tokenizeApplePay: (applePayToken: ApplePayToken) => Promise,\n tokenizeGooglePay: (googlePayToken: GooglePayToken) => Promise,\n initialize: () => Promise,\n isLoading: boolean,\n isInitialized: boolean,\n error: string | null,\n clearError: () => void,\n} = useCardTokenization(config);\n```\n\n### Tokenizer (Core Class)\n\n```typescript\nclass Tokenizer {\n constructor(config: PaymentSDKConfig & { provider?: ITokenizationProvider });\n\n // Returns TagadaToken string (ready for backend)\n async tokenizeCard(cardData: CardPaymentMethod): Promise;\n\n // Returns normalized CardTokenResponse (for advanced usage)\n async tokenizeCardRaw(cardData: CardPaymentMethod): Promise;\n\n async tokenizeApplePay(applePayToken: ApplePayToken): Promise;\n async tokenizeGooglePay(googlePayToken: GooglePayToken): Promise;\n async initialize(): Promise;\n isReady(): boolean;\n getProvider(): ITokenizationProvider;\n}\n```\n\n### createTagadaToken / decodeTagadaToken\n\n```typescript\n// Create TagadaToken from normalized response\nfunction createTagadaToken(cardTokenResponse: CardTokenResponse, providerName?: string): string;\n\n// Decode TagadaToken\nfunction decodeTagadaToken(tagadaTokenString: string): TagadaToken;\n```\n\n### Configuration Utilities\n\n```typescript\n// Get tenant ID for Google Pay configuration\nimport { getGoogleTenantId } from '@tagadapay/core-js';\n\nconst tenantId = getGoogleTenantId('development'); // or 'production', 'local'\n\n// Use in Google Pay configuration\nconst paymentRequest = {\n // ... other config\n allowedPaymentMethods: [{\n tokenizationSpecification: {\n type: 'PAYMENT_GATEWAY',\n parameters: {\n gateway: 'basistheory',\n gatewayMerchantId: tenantId,\n },\n },\n }],\n};\n```\n\n### useThreeds (React Hook)\n\n```typescript\nconst {\n createSession: (instrument, options) => Promise,\n startChallenge: (challenge, options?) => Promise,\n isLoading: boolean,\n error: ThreedsError | null,\n} = useThreeds({\n environment: 'production',\n autoInitialize: true,\n});\n```\n\n### ThreedsManager (Core Class)\n\n```typescript\nimport { ThreedsManager } from '@tagadapay/core-js/threeds';\n\nconst manager = new ThreedsManager({\n defaultProvider: 'basis_theory',\n providers: {\n basis_theory: { apiKey: 'your-api-key' },\n },\n});\n\nconst session = await manager.createSession(paymentInstrument, options);\nconst completion = await manager.startChallenge(challenge);\n```\n\n## Complete Example\n\n```typescript\nimport { useCardTokenization, useThreeds } from '@tagadapay/core-js/react';\n\nfunction PaymentFlow() {\n // 1. Tokenization\n const { tokenizeCard } = useCardTokenization({\n environment: 'production',\n });\n\n // 2. 3DS\n const { createSession, startChallenge } = useThreeds({\n environment: 'production',\n });\n\n const handlePayment = async (cardData) => {\n // Step 1: Tokenize card\n const { tagadaToken, rawToken } = await tokenizeCard(cardData);\n\n // Step 2: Create payment instrument (server-side)\n const { paymentInstrument } = await fetch('/api/payment-instruments/create', {\n method: 'POST',\n body: JSON.stringify({ tagadaToken, storeId, customerData }),\n }).then((r) => r.json());\n\n // Step 3: Create 3DS session (if SCA required)\n if (rawToken.metadata?.auth?.scaRequired) {\n const session = await createSession(\n {\n id: paymentInstrument.id,\n token: rawToken.id,\n type: 'card',\n card: {\n expirationMonth: rawToken.data.expiration_month,\n expirationYear: rawToken.data.expiration_year,\n last4: rawToken.data.number?.slice(-4),\n },\n },\n {\n amount: 2999,\n currency: 'USD',\n customerInfo: { name: 'John Doe', email: 'john@example.com' },\n },\n );\n\n // Persist session to backend\n await fetch('/api/threeds/sessions', {\n method: 'POST',\n body: JSON.stringify({\n provider: session.provider,\n storeId,\n paymentInstrumentId: paymentInstrument.id,\n sessionData: session.metadata?.raw,\n }),\n });\n }\n\n // Step 4: Process payment (server-side)\n const { payment } = await fetch('/api/payments/process', {\n method: 'POST',\n body: JSON.stringify({\n amount: 2999,\n currency: 'USD',\n storeId,\n paymentInstrumentId: paymentInstrument.id,\n }),\n }).then((r) => r.json());\n\n // Step 5: Handle 3DS challenge if required (client-side)\n if (payment.requireAction === 'threeds_auth') {\n const { threedsSession } = payment.requireActionData.metadata;\n\n await startChallenge({\n sessionId: threedsSession.externalSessionId,\n acsChallengeUrl: threedsSession.acsChallengeUrl,\n acsTransactionId: threedsSession.acsTransID,\n threeDSVersion: threedsSession.messageVersion,\n });\n\n // Poll for final payment status\n const finalPayment = await pollPaymentStatus(payment.id);\n console.log('Payment status:', finalPayment.status);\n }\n };\n}\n```\n\n## Exports\n\n### Core\n\n```typescript\nimport {\n // Classes\n Tokenizer,\n\n // Types\n CardTokenResponse,\n CardPaymentMethod,\n ApplePayToken,\n GooglePayToken,\n PaymentSDKConfig,\n\n // TagadaToken\n createTagadaToken,\n decodeTagadaToken,\n TagadaToken,\n\n // Providers\n ITokenizationProvider,\n BasisTheoryProvider,\n\n // Configuration\n getGoogleTenantId,\n} from '@tagadapay/core-js';\n```\n\n### React\n\n```typescript\nimport { useCardTokenization, useThreeds, useAirwallexRadar, useStripeRadar, TokenizeCardResult } from '@tagadapay/core-js/react';\n```\n\n### 3DS\n\n```typescript\nimport {\n ThreedsManager,\n ThreedsModal,\n ThreedsSession,\n ThreedsChallenge,\n ChallengeCompletion,\n ThreedsError,\n ThreedsErrorCode,\n} from '@tagadapay/core-js/threeds';\n```\n\n### Radar + Payments\n\n```typescript\nimport {\n // Airwallex Radar\n AirwallexRadarManager,\n AirwallexRadarError,\n AirwallexRadarErrorCode,\n\n // Stripe Radar\n StripeRadarManager,\n StripeRadarError,\n StripeRadarErrorCode,\n getStripeRadarConfig,\n isStripeRadarAction,\n\n // General payments\n PaymentsClient,\n PaymentsClientError,\n PaymentsClientErrorCode,\n\n // Types\n type IAirwallexRadarApiClient,\n type AirwallexRadarManagerConfig,\n type AirwallexRadarActionParams,\n type IStripeRadarApiClient,\n type StripeRadarManagerConfig,\n type StripeRadarActionParams,\n type PaymentContinueResult,\n} from '@tagadapay/core-js';\n```\n\n## Adding Custom Providers\n\n```typescript\nimport { ITokenizationProvider, RawTokenResponse } from '@tagadapay/core-js';\n\nexport class StripeProvider implements ITokenizationProvider {\n private stripe: any;\n private config: { apiKey: string };\n\n constructor(config: { apiKey: string }) {\n this.config = config;\n }\n\n getProviderName(): string {\n return 'Stripe';\n }\n\n async initialize(): Promise {\n this.stripe = await loadStripe(this.config.apiKey);\n }\n\n isInitialized(): boolean {\n return !!this.stripe;\n }\n\n async tokenizeCard(cardData: CardPaymentMethod): Promise {\n const token = await this.stripe.createToken('card', {\n number: cardData.cardNumber,\n exp_month: /* ... */,\n exp_year: /* ... */,\n cvc: cardData.cvc,\n });\n return token as RawTokenResponse;\n }\n\n async tokenizeApplePay(applePayToken: ApplePayToken): Promise {\n // Stripe Apple Pay implementation\n }\n\n detectScaRequirement(rawResponse: RawTokenResponse): boolean {\n // Stripe-specific SCA detection\n return rawResponse.card?.three_d_secure_usage?.supported === true;\n }\n}\n\n// Use it\nconst tokenizer = new Tokenizer({\n provider: new StripeProvider({ apiKey: 'pk_...' }),\n});\n```\n\n## Environment Configuration\n\nThe SDK automatically selects the correct BasisTheory API key based on environment:\n\n```typescript\n// Production\nuseCardTokenization({ environment: 'production' });\n// Uses: process.env.NEXT_PUBLIC_BASIS_THEORY_PUBLIC_API_KEY or embedded prod key\n\n// Development/Local\nuseCardTokenization({ environment: 'development' });\n// Uses: Embedded test key (safe for local dev)\n```\n\n## Examples\n\nSee the complete working examples:\n\n### `examples/core-js-tokenization`\n- Card tokenization with TagadaToken creation\n- SCA requirement detection\n- Payment instrument creation\n- 3DS session management\n- Payment processing with 3DS\n- Retry 3DS flow\n- Backend/frontend separation best practices\n\n### `examples/apple-google-tokenization`\n- Apple Pay tokenization\n- Google Pay tokenization with tenant ID configuration\n- Real TagadaPay API integration\n- Step-by-step payment flow\n\n## Guides\n\n- [Handling Radar and Continuing Payments](docs/radar-payments.md) — **start here** — unified collect → save → continue flow for all providers\n- [Airwallex Payments](docs/airwallex-payments.md) — Airwallex-specific Radar details and 3DS flow\n- [Stripe Radar](docs/stripe-radar-payments.md) — Stripe.js Radar session creation and routing\n\n## TypeScript\n\nThe SDK is written in TypeScript and provides full type definitions:\n\n```typescript\nimport type {\n CardTokenResponse,\n TagadaToken,\n ThreedsSession,\n ThreedsChallenge,\n TokenizeCardResult,\n} from '@tagadapay/core-js';\n```\n\n## Browser Support\n\n- Modern browsers (ES2020+)\n- React 18+\n- TypeScript 5+\n\n## License\n\nMIT\n\n## Support\n\n- GitHub: [tagadapay/tagadapay](https://github.com/tagadapay/tagadapay)\n- Documentation: [docs.tagadapay.com](https://docs.tagadapay.com)\n- Issues: [GitHub Issues](https://github.com/tagadapay/tagadapay/issues)\n","readmeFilename":"README.md"}