Payment form

'use client';

import { useId, useRef, useState } from 'react';
import { cn, round, useLocale, useTexts } from '@/lib/kit';
import { Button } from '@/components/ui/button';
import { Icon, type IconName } from '@/components/ui/icon';
import { Input } from '@/components/ui/input';
import { Checkbox } from '@/components/ui/checkbox';
import { CardInput, type CardValue } from '@/components/ui/card-input';
import { Reveal } from '@/components/ui/reveal';
import { Section } from '@/components/ui/section';
import { Stagger } from '@/components/ui/motion';
import { DoneMark, ErrorSummary, FlowHead, Unfold, summaryOf } from '@/components/ui/form-flow';

/*
 * Choosing how to pay and paying, without card brand logos: the kit names
 * methods by what they are. Card fields come from card-input, the account
 * number is checked with the real IBAN checksum. Nothing here talks to a
 * payment provider, `onSubmit` hands the choice to yours.
 *
 *   methods        card, direct debit, invoice or bank transfer, each opens its own fields
 *   split-summary  the order beside the payment, a promo code, the summary folds on phones
 *   direct-debit   an IBAN that groups itself as you type, checked, with the mandate in plain words
 *   installments   pay now or in parts, the plan shows every date and amount
 */

export type PaymentFormVariant = 'methods' | 'split-summary' | 'direct-debit' | 'installments';

export interface PaymentLine {
  title: string;
  detail?: string;
  /** Whole currency units, decimals allowed */
  amount: number;
  quantity?: number;
}

export interface PaymentFormProps {
  variant?: PaymentFormVariant;
  eyebrow?: React.ReactNode;
  title?: React.ReactNode;
  description?: React.ReactNode;
  /** Amount to pay */
  total: number;
  /** ISO currency, e.g. EUR or USD */
  currency?: string;
  /** Methods to offer in methods */
  methods?: ('card' | 'debit' | 'invoice' | 'transfer')[];
  /** split-summary: the order lines and shipping */
  lines?: PaymentLine[];
  shipping?: number;
  /** split-summary: codes that work and their discount in percent */
  promoCodes?: Record<string, number>;
  /** direct-debit: who collects, for the mandate text */
  creditor?: string;
  /** installments: plans in number of parts, e.g. [1, 3, 6], and the first date */
  plans?: number[];
  startDate?: string;
  submitLabel?: string;
  onSubmit?: (data: Record<string, unknown>) => void;
  labels?: Partial<Texts>;
  className?: string;
}

const TEXTS = {
  en: {
    method: 'How would you like to pay?',
    card: 'Card',
    cardText: 'Credit or debit card, charged when you order',
    debit: 'Direct debit',
    debitText: 'From your bank account, about two days after ordering',
    invoice: 'Invoice',
    invoiceText: 'Pay within 14 days, for businesses',
    transfer: 'Bank transfer',
    transferText: 'We send the details, the order ships when the money arrives',
    cardNeeded: 'Please complete the card details, so the payment goes through.',
    holder: 'Account holder',
    holderNeeded: 'Please add the account holder, it must match the bank account.',
    iban: 'IBAN',
    ibanHint: 'Starts with two letters, for example DE',
    ibanNeeded: 'This IBAN does not add up. Please check it against your bank card or app, one digit is often enough.',
    mandate: 'I authorise {c} to collect payments from my account by direct debit and instruct my bank to pay them. I can ask for a refund within eight weeks of the debit.',
    mandateNeeded: 'Please agree to the mandate, without it we cannot collect the amount.',
    company: 'Company',
    mandateAgree: 'I agree to the direct debit mandate',
    setup: 'Set up direct debit',
    secureDebit: 'Encrypted. Your account details are used only for this mandate.',
    mandateShort: 'Direct debit mandate',
    companyNeeded: 'Please add the company, the invoice is made out to it.',
    vat: 'VAT number',
    transferNote: 'You get our bank details and a reference by email. The order is reserved for seven days.',
    pay: 'Pay {a}',
    order: 'Place order',
    secure: 'Encrypted. We never see your full card number.',
    summary: 'Your order',
    showSummary: 'Show order',
    hideSummary: 'Hide order',
    subtotal: 'Subtotal',
    shipping: 'Shipping',
    free: 'Free',
    discount: 'Discount {c}',
    total: 'Total',
    promo: 'Promo code',
    apply: 'Apply',
    promoBad: 'This code does not work. Check the spelling, codes do not care about upper or lower case.',
    promoOk: '{c} applied, you save {a}',
    remove: 'Remove code',
    country: 'Bank in {c}',
    planTitle: 'How would you like to pay?',
    now: 'All at once',
    parts: 'In {n} parts',
    noFee: 'No extra cost',
    nowText: 'One payment today',
    monthly: 'a month',
    schedule: 'Your plan',
    today: 'Today',
    paidTitle: 'Payment received',
    paidText: 'A receipt is on its way to your inbox.',
    debitTitle: 'Mandate set up',
    debitDone: 'We collect {a} in about two days. You get a notice before every debit.',
    invoiceTitle: 'Order placed on invoice',
    invoiceDoneText: 'The invoice comes with the delivery. Please pay within 14 days.',
    transferTitle: 'Order reserved',
    transferDoneText: 'The bank details are on their way by email.',
  },
  de: {
    method: 'Wie möchtest du bezahlen?',
    card: 'Karte',
    cardText: 'Kredit- oder Debitkarte, belastet bei der Bestellung',
    debit: 'Lastschrift',
    debitText: 'Vom Bankkonto, etwa zwei Tage nach der Bestellung',
    invoice: 'Rechnung',
    invoiceText: 'Zahlung innerhalb von 14 Tagen, für Firmen',
    transfer: 'Überweisung',
    transferText: 'Wir schicken die Daten, die Bestellung geht raus, sobald das Geld da ist',
    cardNeeded: 'Bitte vervollständige die Kartendaten, damit die Zahlung durchgeht.',
    holder: 'Kontoinhaber',
    holderNeeded: 'Bitte gib den Kontoinhaber an, er muss zum Konto passen.',
    iban: 'IBAN',
    ibanHint: 'Beginnt mit zwei Buchstaben, zum Beispiel DE',
    ibanNeeded: 'Diese IBAN geht nicht auf. Bitte prüf sie mit deiner Bankkarte oder App, oft ist es nur eine Ziffer.',
    mandate: 'Ich ermächtige {c}, Zahlungen von meinem Konto per Lastschrift einzuziehen, und weise meine Bank an, sie einzulösen. Ich kann innerhalb von acht Wochen nach der Belastung die Erstattung verlangen.',
    mandateNeeded: 'Bitte stimme dem Mandat zu, ohne es können wir den Betrag nicht einziehen.',
    company: 'Firma',
    mandateAgree: 'Ich erteile das Lastschriftmandat',
    setup: 'Lastschrift einrichten',
    secureDebit: 'Verschlüsselt. Deine Kontodaten nutzen wir nur für dieses Mandat.',
    mandateShort: 'Lastschriftmandat',
    companyNeeded: 'Bitte gib die Firma an, die Rechnung wird auf sie ausgestellt.',
    vat: 'USt-IdNr.',
    transferNote: 'Bankdaten und Verwendungszweck kommen per E-Mail. Die Bestellung bleibt sieben Tage reserviert.',
    pay: '{a} bezahlen',
    order: 'Bestellung abschicken',
    secure: 'Verschlüsselt. Deine volle Kartennummer sehen wir nie.',
    summary: 'Deine Bestellung',
    showSummary: 'Bestellung zeigen',
    hideSummary: 'Bestellung ausblenden',
    subtotal: 'Zwischensumme',
    shipping: 'Versand',
    free: 'Kostenlos',
    discount: 'Rabatt {c}',
    total: 'Gesamt',
    promo: 'Gutscheincode',
    apply: 'Einlösen',
    promoBad: 'Dieser Code funktioniert nicht. Prüf die Schreibweise, Groß- und Kleinschreibung ist egal.',
    promoOk: '{c} eingelöst, du sparst {a}',
    remove: 'Code entfernen',
    country: 'Bank in {c}',
    planTitle: 'Wie möchtest du zahlen?',
    now: 'Auf einmal',
    parts: 'In {n} Raten',
    noFee: 'Ohne Aufpreis',
    nowText: 'Eine Zahlung heute',
    monthly: 'im Monat',
    schedule: 'Dein Zahlplan',
    today: 'Heute',
    paidTitle: 'Zahlung erhalten',
    paidText: 'Die Quittung ist unterwegs in dein Postfach.',
    debitTitle: 'Mandat eingerichtet',
    debitDone: 'Wir ziehen {a} in etwa zwei Tagen ein. Vor jeder Abbuchung bekommst du eine Nachricht.',
    invoiceTitle: 'Auf Rechnung bestellt',
    invoiceDoneText: 'Die Rechnung kommt mit der Lieferung. Bitte zahl innerhalb von 14 Tagen.',
    transferTitle: 'Bestellung reserviert',
    transferDoneText: 'Die Bankdaten sind per E-Mail unterwegs.',
  },
};

type Texts = (typeof TEXTS)['en'];

function useMoney(currency = 'EUR') {
  const locale = useLocale();
  const nf = new Intl.NumberFormat(locale === 'de' ? 'de-DE' : 'en-US', { style: 'currency', currency });
  return (n: number) => nf.format(round(n, 2));
}

/* ------------------------------------------------------------------ */
/* IBAN                                                                */
/* ------------------------------------------------------------------ */

const IBAN_LENGTH: Record<string, number> = { DE: 22, AT: 20, CH: 21, NL: 18, FR: 27, BE: 16, IT: 27, ES: 24, LU: 20, GB: 22 };
const IBAN_COUNTRY: Record<string, { en: string; de: string }> = {
  DE: { en: 'Germany', de: 'Deutschland' },
  AT: { en: 'Austria', de: 'Österreich' },
  CH: { en: 'Switzerland', de: 'Schweiz' },
  NL: { en: 'Netherlands', de: 'Niederlande' },
  FR: { en: 'France', de: 'Frankreich' },
  BE: { en: 'Belgium', de: 'Belgien' },
  IT: { en: 'Italy', de: 'Italien' },
  ES: { en: 'Spain', de: 'Spanien' },
  LU: { en: 'Luxembourg', de: 'Luxemburg' },
  GB: { en: 'United Kingdom', de: 'Vereinigtes Königreich' },
};

const ibanClean = (v: string) => v.replace(/\s+/g, '').toUpperCase();
const ibanGroup = (v: string) => ibanClean(v).replace(/(.{4})/g, '$1 ').trim();

/** The ISO 13616 check: move the first four characters to the end, letters to numbers, mod 97 must be 1 */
export function ibanValid(v: string) {
  const s = ibanClean(v);
  if (!/^[A-Z]{2}\d{2}[A-Z0-9]{8,30}$/.test(s)) return false;
  const len = IBAN_LENGTH[s.slice(0, 2)];
  if (len && s.length !== len) return false;
  const moved = s.slice(4) + s.slice(0, 4);
  let rest = 0;
  for (const ch of moved) {
    const n = ch >= 'A' ? String(ch.charCodeAt(0) - 55) : ch;
    for (const d of n) rest = (rest * 10 + Number(d)) % 97;
  }
  return rest === 1;
}

function IbanField({ id, t, value, set, error }: { id: string; t: Texts; value: string; set: (v: string) => void; error?: string }) {
  const locale = useLocale();
  const clean = ibanClean(value);
  const country = IBAN_COUNTRY[clean.slice(0, 2)];
  const len = IBAN_LENGTH[clean.slice(0, 2)];
  const ok = ibanValid(value);
  return (
    <div>
      <Input
        id={id}
        label={t.iban}
        required
        autoComplete="off"
        spellCheck={false}
        inputMode="text"
        placeholder="DE89 3704 0044 0532 0130 00"
        hint={error ? undefined : country ? t.country.replace('{c}', country[locale]) : t.ibanHint}
        value={value}
        onChange={(e) => set(ibanGroup(e.target.value).slice(0, 42))}
        success={ok}
        error={error}
        size="lg"
        inputClassName="tabular-nums max-sm:text-[15px] sm:tracking-[0.04em]"
      />
      {/* A thin bar fills to the length this country expects */}
      {len && !ok && (
        <div aria-hidden className="mt-2 h-1 overflow-hidden rounded-full bg-[color-mix(in_oklab,var(--foreground)_8%,transparent)]">
          <div className="h-full origin-left rounded-full bg-primary transition-transform duration-300" style={{ transform: `scaleX(${round(Math.min(1, clean.length / len), 3)})` }} />
        </div>
      )}
    </div>
  );
}

/* ------------------------------------------------------------------ */
/* Shared                                                              */
/* ------------------------------------------------------------------ */

function Paid({ title, text }: { title: string; text: string }) {
  return (
    <div role="status" className="kit-rise flex flex-col items-center py-6 text-center">
      <DoneMark size={60} />
      <p className="mt-5 text-[21px] font-semibold tracking-[-0.02em] text-foreground">{title}</p>
      <p className="mt-2 max-w-[26rem] text-pretty text-[14.5px] leading-relaxed text-muted-foreground">{text}</p>
    </div>
  );
}

function Secure({ t, debit }: { t: Texts; debit?: boolean }) {
  return (
    <p className="text-balance text-center text-[12.5px] leading-snug text-muted-foreground">
      <Icon name="lock" size={13} className="-mt-0.5 me-1.5 inline-block align-middle" />
      {debit ? t.secureDebit : t.secure}
    </p>
  );
}

/* ------------------------------------------------------------------ */
/* methods                                                             */
/* ------------------------------------------------------------------ */

type Method = 'card' | 'debit' | 'invoice' | 'transfer';
const METHOD_ICON: Record<Method, IconName> = { card: 'credit-card', debit: 'landmark', invoice: 'receipt', transfer: 'banknote' };

function Methods({ p, t }: { p: PaymentFormProps; t: Texts }) {
  const id = useId();
  const money = useMoney(p.currency);
  const methods = p.methods ?? ['card', 'debit', 'invoice', 'transfer'];
  const [method, setMethod] = useState<Method>(methods[0]);
  const [card, setCard] = useState<CardValue | null>(null);
  const [holder, setHolder] = useState('');
  const [iban, setIban] = useState('');
  const [mandate, setMandate] = useState(false);
  const [company, setCompany] = useState('');
  const [vat, setVat] = useState('');
  const [errors, setErrors] = useState<Record<string, string>>({});
  const [done, setDone] = useState(false);
  const summaryRef = useRef<HTMLDivElement>(null);
  const clear = (k: string) => errors[k] && setErrors((e) => Object.fromEntries(Object.entries(e).filter(([x]) => x !== k)));
  const labels: Record<Method, [string, string]> = { card: [t.card, t.cardText], debit: [t.debit, t.debitText], invoice: [t.invoice, t.invoiceText], transfer: [t.transfer, t.transferText] };
  const summary = summaryOf(errors, [
    ['card', `${id}-card`, t.card],
    ['holder', `${id}-holder`, t.holder],
    ['iban', `${id}-iban`, t.iban],
    ['mandate', `${id}-mandate`, t.mandateShort],
    ['company', `${id}-company`, t.company],
  ]);

  if (done) {
    const [title, text] = method === 'card' ? [t.paidTitle, t.paidText] : method === 'debit' ? [t.debitTitle, t.debitDone.replace('{a}', money(p.total))] : method === 'invoice' ? [t.invoiceTitle, t.invoiceDoneText] : [t.transferTitle, t.transferDoneText];
    return (
      <div className="kit-card mx-auto max-w-[40rem] p-6 sm:p-10">
        <Paid title={title} text={text} />
      </div>
    );
  }
  return (
    <Reveal effect="rise" className="mx-auto max-w-[40rem]">
      <form
        noValidate
        className="kit-card grid gap-5 p-6 sm:p-8"
        onSubmit={(e) => {
          e.preventDefault();
          const found: Record<string, string> = {};
          if (method === 'card' && !card?.complete) found.card = t.cardNeeded;
          if (method === 'debit') {
            if (!holder.trim()) found.holder = t.holderNeeded;
            if (!ibanValid(iban)) found.iban = t.ibanNeeded;
            if (!mandate) found.mandate = t.mandateNeeded;
          }
          if (method === 'invoice' && !company.trim()) found.company = t.companyNeeded;
          setErrors(found);
          if (Object.keys(found).length) {
            requestAnimationFrame(() => summaryRef.current?.focus());
            return;
          }
          p.onSubmit?.({ method, card, holder, iban: ibanClean(iban), company, vat });
          setDone(true);
        }}
      >
        <ErrorSummary ref={summaryRef} errors={summary} />
        <fieldset className="min-w-0">
          <legend className="mb-4 text-[15px] font-semibold text-foreground">{t.method}</legend>
          {/* Each method is a card that opens its own fields with a soft height */}
          <Stagger step={70} as="div" className="grid gap-2.5">
            {methods.map((m) => {
              const on = method === m;
              return (
                <div key={m} className={cn('overflow-hidden rounded-xl border transition-[border-color,box-shadow,background-color] duration-300', on ? 'border-[color-mix(in_oklab,var(--primary)_55%,var(--border))] bg-card shadow-[0_0_0_1px_color-mix(in_oklab,var(--primary)_45%,var(--border))]' : 'border-border bg-card hover:border-border-strong')}>
                  <label className="flex cursor-pointer items-center gap-3.5 p-4 has-[:focus-visible]:shadow-[inset_0_0_0_2px_color-mix(in_oklab,var(--primary)_45%,transparent)]">
                    <input type="radio" name={`${id}-m`} checked={on} onChange={() => (setMethod(m), setErrors({}))} className="sr-only" />
                    <span aria-hidden className={cn('grid size-5 shrink-0 place-items-center rounded-full border transition-colors', on ? 'border-primary bg-primary' : 'border-[color-mix(in_oklab,var(--foreground)_38%,var(--border-strong))]')}>
                      <span className={cn('size-2 rounded-full bg-primary-foreground transition-[scale] duration-300 ease-[cubic-bezier(0.34,1.7,0.64,1)]', on ? 'scale-100' : 'scale-0')} />
                    </span>
                    <span className="min-w-0 flex-1">
                      <span className="block text-[15px] font-medium text-foreground">{labels[m][0]}</span>
                      <span className="block text-[13px] leading-snug text-muted-foreground">{labels[m][1]}</span>
                    </span>
                    <Icon name={METHOD_ICON[m]} size={20} className={cn('shrink-0 transition-colors', on ? 'text-[color-mix(in_oklab,var(--primary)_85%,var(--foreground))]' : 'text-muted-foreground')} />
                  </label>
                  <Unfold open={on}>
                    <div className="border-t border-border bg-surface p-4 sm:p-5">
                      {m === 'card' && (
                        <div id={`${id}-card`} tabIndex={-1} className="outline-none">
                          <CardInput variant="stacked" withName onValueChange={(v) => (setCard(v), clear('card'))} error={errors.card} />
                        </div>
                      )}
                      {m === 'debit' && (
                        <div className="grid gap-4">
                          <Input id={`${id}-holder`} label={t.holder} required autoComplete="name" value={holder} onChange={(e) => (setHolder(e.target.value), clear('holder'))} error={errors.holder} />
                          <IbanField id={`${id}-iban`} t={t} value={iban} set={(v) => (setIban(v), clear('iban'))} error={errors.iban} />
                          <Checkbox id={`${id}-mandate`} label={t.mandateAgree} description={t.mandate.replace('{c}', p.creditor ?? '')} checked={mandate} onChange={(e) => (setMandate(e.target.checked), clear('mandate'))} error={errors.mandate} />
                        </div>
                      )}
                      {m === 'invoice' && (
                        <div className="grid grid-cols-1 gap-4 sm:grid-cols-2">
                          <Input id={`${id}-company`} label={t.company} required autoComplete="organization" value={company} onChange={(e) => (setCompany(e.target.value), clear('company'))} error={errors.company} />
                          <Input label={t.vat} optional value={vat} onChange={(e) => setVat(e.target.value)} />
                        </div>
                      )}
                      {m === 'transfer' && <p className="text-pretty text-[13.5px] leading-relaxed text-muted-foreground">{t.transferNote}</p>}
                    </div>
                  </Unfold>
                </div>
              );
            })}
          </Stagger>
        </fieldset>
        <Button type="submit" size="lg" icon={method === 'card' ? 'lock' : 'arrow-right'} className="w-full">
          {p.submitLabel ?? (method === 'card' ? t.pay.replace('{a}', money(p.total)) : t.order)}
        </Button>
        <Secure t={t} debit={method !== 'card'} />
      </form>
    </Reveal>
  );
}

/* ------------------------------------------------------------------ */
/* split-summary                                                       */
/* ------------------------------------------------------------------ */

function SplitSummary({ p, t }: { p: PaymentFormProps; t: Texts }) {
  const id = useId();
  const money = useMoney(p.currency);
  const lines = p.lines ?? [];
  const [card, setCard] = useState<CardValue | null>(null);
  const [error, setError] = useState('');
  const [code, setCode] = useState('');
  const [applied, setApplied] = useState<string | null>(null);
  const [codeError, setCodeError] = useState('');
  const [open, setOpen] = useState(false);
  const [done, setDone] = useState(false);
  const subtotal = lines.reduce((s, l) => s + l.amount * (l.quantity ?? 1), 0);
  const percent = applied ? (p.promoCodes?.[applied] ?? 0) : 0;
  const discount = round((subtotal * percent) / 100, 2);
  const total = subtotal - discount + (p.shipping ?? 0);
  const tryCode = () => {
    const key = Object.keys(p.promoCodes ?? {}).find((k) => k.toLowerCase() === code.trim().toLowerCase());
    if (!key) {
      setCodeError(t.promoBad);
      return;
    }
    setApplied(key);
    setCodeError('');
    setCode('');
  };
  const summary = (
    <div>
      <ul className="grid gap-3">
        {lines.map((l) => (
          <li key={l.title} className="flex items-start gap-3">
            <span className="relative grid size-12 shrink-0 place-items-center rounded-lg border border-border bg-surface-2 text-muted-foreground">
              <Icon name="package" size={18} />
              {(l.quantity ?? 1) > 1 && <span className="absolute -end-1.5 -top-1.5 grid size-5 place-items-center rounded-full bg-foreground text-[11px] font-semibold text-background">{l.quantity}</span>}
            </span>
            <span className="min-w-0 flex-1">
              <span className="block text-[14px] font-medium text-foreground">{l.title}</span>
              {l.detail && <span className="block text-[12.5px] text-muted-foreground">{l.detail}</span>}
            </span>
            <span className="text-[14px] tabular-nums text-foreground">{money(l.amount * (l.quantity ?? 1))}</span>
          </li>
        ))}
      </ul>
      {/* Promo code: applied codes become a chip with a way to remove */}
      <div className="mt-5 border-t border-border pt-5">
        {applied ? (
          <p className="kit-rise flex items-center justify-between gap-3 rounded-lg bg-[color-mix(in_oklab,var(--success)_10%,var(--card))] px-3 py-2 text-[13.5px] text-success-foreground">
            <span className="flex items-center gap-2">
              <Icon name="tag" size={15} />
              {t.promoOk.replace('{c}', applied).replace('{a}', money(discount))}
            </span>
            <button type="button" aria-label={t.remove} onClick={() => setApplied(null)} className="grid size-9 max-sm:size-11 place-items-center rounded-md text-muted-foreground hover:text-foreground focus-visible:shadow-[0_0_0_2px_color-mix(in_oklab,var(--primary)_45%,transparent)] focus-visible:outline-none">
              <Icon name="x" size={15} />
            </button>
          </p>
        ) : (
          <div className="flex items-start gap-2">
            <Input
              aria-label={t.promo}
              placeholder={t.promo}
              value={code}
              onChange={(e) => (setCode(e.target.value), setCodeError(''))}
              onKeyDown={(e) => {
                if (e.key === 'Enter') {
                  e.preventDefault();
                  tryCode();
                }
              }}
              error={codeError || undefined}
              className="min-w-0 flex-1"
            />
            <Button type="button" variant="outline" onClick={tryCode}>
              {t.apply}
            </Button>
          </div>
        )}
      </div>
      <dl className="mt-5 grid gap-2 border-t border-border pt-5 text-[14px]">
        <div className="flex justify-between">
          <dt className="text-muted-foreground">{t.subtotal}</dt>
          <dd className="tabular-nums text-foreground">{money(subtotal)}</dd>
        </div>
        {discount > 0 && (
          <div className="kit-rise flex justify-between">
            <dt className="text-muted-foreground">{t.discount.replace('{c}', applied ?? '')}</dt>
            <dd className="tabular-nums text-success-foreground">−{money(discount).replace('-', '')}</dd>
          </div>
        )}
        <div className="flex justify-between">
          <dt className="text-muted-foreground">{t.shipping}</dt>
          <dd className="tabular-nums text-foreground">{p.shipping ? money(p.shipping) : t.free}</dd>
        </div>
        <div className="mt-2 flex items-baseline justify-between border-t border-border pt-3">
          <dt className="text-[15px] font-semibold text-foreground">{t.total}</dt>
          <dd key={total} className="text-[20px] font-semibold tabular-nums tracking-[-0.02em] text-foreground motion-safe:animate-[kit-rise_0.4s_var(--ease-kit)]">
            {money(total)}
          </dd>
        </div>
      </dl>
    </div>
  );
  if (done)
    return (
      <div className="kit-card mx-auto max-w-[40rem] p-6 sm:p-10">
        <Paid title={t.paidTitle} text={t.paidText} />
      </div>
    );
  return (
    <div className="mx-auto grid max-w-[62rem] grid-cols-1 gap-6 lg:grid-cols-[minmax(0,1fr)_22rem] lg:items-start lg:gap-10">
      {/* Phones and tablets: the order folds into a bar with the total */}
      <div className="kit-card overflow-hidden lg:hidden">
        <button type="button" aria-expanded={open} onClick={() => setOpen((o) => !o)} className="flex min-h-14 w-full items-center gap-3 px-5 text-start focus-visible:shadow-[inset_0_0_0_2px_color-mix(in_oklab,var(--primary)_45%,transparent)] focus-visible:outline-none">
          <Icon name="bag" size={18} className="text-muted-foreground" />
          <span className="flex-1 text-[14.5px] font-medium text-foreground">{open ? t.hideSummary : t.showSummary}</span>
          <span className="text-[15px] font-semibold tabular-nums text-foreground">{money(total)}</span>
          <Icon name="chevron-down" size={17} className={cn('text-muted-foreground transition-transform duration-300', open && 'rotate-180')} />
        </button>
        <Unfold open={open}>
          <div className="border-t border-border p-5">{summary}</div>
        </Unfold>
      </div>
      <Reveal effect="rise" className="min-w-0 lg:order-none">
        <form
          noValidate
          className="kit-card grid gap-5 p-6 sm:p-8"
          onSubmit={(e) => {
            e.preventDefault();
            if (!card?.complete) {
              setError(t.cardNeeded);
              document.getElementById(`${id}-card`)?.querySelector<HTMLElement>('input')?.focus();
              return;
            }
            p.onSubmit?.({ card, code: applied, total });
            setDone(true);
          }}
        >
          <p className="flex items-center gap-2.5 text-[15px] font-semibold text-foreground">
            <Icon name="credit-card" size={18} className="text-muted-foreground" />
            {t.card}
          </p>
          <div id={`${id}-card`}>
            <CardInput variant="preview" withName onValueChange={(v) => (setCard(v), setError(''))} error={error || undefined} />
          </div>
          <Button type="submit" size="lg" icon="lock" magnetic className="w-full">
            {p.submitLabel ?? t.pay.replace('{a}', money(total))}
          </Button>
          <Secure t={t} />
        </form>
      </Reveal>
      <Reveal effect="rise" delay={120} className="hidden lg:sticky lg:top-24 lg:block">
        <aside aria-label={t.summary} className="kit-card p-6">
          <p className="mb-5 text-[15px] font-semibold text-foreground">{t.summary}</p>
          {summary}
        </aside>
      </Reveal>
    </div>
  );
}

/* ------------------------------------------------------------------ */
/* direct-debit                                                        */
/* ------------------------------------------------------------------ */

function DirectDebit({ p, t }: { p: PaymentFormProps; t: Texts }) {
  const id = useId();
  const money = useMoney(p.currency);
  const [holder, setHolder] = useState('');
  const [iban, setIban] = useState('');
  const [mandate, setMandate] = useState(false);
  const [errors, setErrors] = useState<Record<string, string>>({});
  const [done, setDone] = useState(false);
  const summaryRef = useRef<HTMLDivElement>(null);
  const clear = (k: string) => errors[k] && setErrors((e) => Object.fromEntries(Object.entries(e).filter(([x]) => x !== k)));
  const summary = summaryOf(errors, [
    ['holder', `${id}-holder`, t.holder],
    ['iban', `${id}-iban`, t.iban],
    ['mandate', `${id}-mandate`, t.mandateShort],
  ]);
  if (done)
    return (
      <div className="kit-card mx-auto max-w-[38rem] p-6 sm:p-10">
        <Paid title={t.debitTitle} text={t.debitDone.replace('{a}', money(p.total))} />
      </div>
    );
  return (
    <Reveal effect="rise" className="mx-auto max-w-[38rem]">
      <form
        noValidate
        className="kit-card overflow-hidden"
        onSubmit={(e) => {
          e.preventDefault();
          const found: Record<string, string> = {};
          if (!holder.trim()) found.holder = t.holderNeeded;
          if (!ibanValid(iban)) found.iban = t.ibanNeeded;
          if (!mandate) found.mandate = t.mandateNeeded;
          setErrors(found);
          if (Object.keys(found).length) {
            requestAnimationFrame(() => summaryRef.current?.focus());
            return;
          }
          p.onSubmit?.({ holder, iban: ibanClean(iban) });
          setDone(true);
        }}
      >
        <div className="flex items-center justify-between gap-4 border-b border-border bg-surface px-6 py-4 sm:px-8">
          <span className="flex items-center gap-2.5 text-[14px] text-muted-foreground">
            <Icon name="landmark" size={17} />
            {t.debit}
          </span>
          <span className="text-[17px] font-semibold tabular-nums text-foreground">{money(p.total)}</span>
        </div>
        <div className="grid gap-5 p-6 sm:p-8">
          <ErrorSummary ref={summaryRef} errors={summary} />
          <Input id={`${id}-holder`} label={t.holder} required autoComplete="name" value={holder} onChange={(e) => (setHolder(e.target.value), clear('holder'))} error={errors.holder} />
          <IbanField id={`${id}-iban`} t={t} value={iban} set={(v) => (setIban(v), clear('iban'))} error={errors.iban} />
          {/* The mandate in plain words, in a quiet box */}
          <div className={cn('rounded-xl border p-4 transition-colors', errors.mandate ? 'border-[color-mix(in_oklab,var(--destructive)_45%,var(--border))]' : 'border-border bg-surface')}>
            <Checkbox id={`${id}-mandate`} label={t.mandateAgree} description={t.mandate.replace('{c}', p.creditor ?? '')} checked={mandate} onChange={(e) => (setMandate(e.target.checked), clear('mandate'))} error={errors.mandate} />
          </div>
          <Button type="submit" size="lg" icon="check" className="w-full">
            {p.submitLabel ?? t.setup}
          </Button>
          <Secure t={t} debit />
        </div>
      </form>
    </Reveal>
  );
}

/* ------------------------------------------------------------------ */
/* installments                                                        */
/* ------------------------------------------------------------------ */

function Installments({ p, t }: { p: PaymentFormProps; t: Texts }) {
  const id = useId();
  const locale = useLocale();
  const money = useMoney(p.currency);
  const plans = p.plans ?? [1, 3, 6];
  const [plan, setPlan] = useState(plans[0]);
  const [card, setCard] = useState<CardValue | null>(null);
  const [error, setError] = useState('');
  const [done, setDone] = useState(false);
  const start = p.startDate ?? '2026-10-21';
  const part = round(p.total / plan, 2);
  const dates = Array.from({ length: plan }, (_, i) => {
    const [y, m, d] = start.split('-').map(Number);
    const date = new Date(Date.UTC(y, m - 1 + i, d));
    return i === 0 ? t.today : date.toLocaleDateString(locale === 'de' ? 'de-DE' : 'en-US', { day: 'numeric', month: 'short', year: 'numeric', timeZone: 'UTC' });
  });
  if (done)
    return (
      <div className="kit-card mx-auto max-w-[40rem] p-6 sm:p-10">
        <Paid title={t.paidTitle} text={t.paidText} />
      </div>
    );
  return (
    <div className="mx-auto grid max-w-[60rem] grid-cols-1 gap-6 lg:grid-cols-[minmax(0,1fr)_minmax(0,1fr)] lg:gap-8">
      <Reveal effect="rise" className="kit-card p-6 sm:p-8">
        <fieldset className="min-w-0">
          <legend className="mb-4 text-[15px] font-semibold text-foreground">{t.planTitle}</legend>
          <Stagger step={80} as="div" className="grid gap-2.5">
            {plans.map((n) => {
              const on = plan === n;
              return (
                <label key={n} className={cn('flex cursor-pointer items-center gap-4 rounded-xl border bg-card p-4 transition-[border-color,box-shadow] duration-300 has-[:focus-visible]:shadow-[0_0_0_3px_color-mix(in_oklab,var(--primary)_28%,transparent)]', on ? 'border-[color-mix(in_oklab,var(--primary)_60%,var(--border))] shadow-[0_0_0_1px_color-mix(in_oklab,var(--primary)_50%,var(--border))]' : 'border-border hover:border-border-strong')}>
                  <input type="radio" name={`${id}-plan`} checked={on} onChange={() => setPlan(n)} className="sr-only" />
                  <span aria-hidden className={cn('grid size-5 shrink-0 place-items-center rounded-full border transition-colors', on ? 'border-primary bg-primary' : 'border-[color-mix(in_oklab,var(--foreground)_38%,var(--border-strong))]')}>
                    <span className={cn('size-2 rounded-full bg-primary-foreground transition-[scale] duration-300', on ? 'scale-100' : 'scale-0')} />
                  </span>
                  <span className="min-w-0 flex-1">
                    <span className="block text-[15px] font-medium text-foreground">{n === 1 ? t.now : t.parts.replace('{n}', String(n))}</span>
                    <span className="block text-[13px] text-muted-foreground">{n === 1 ? t.nowText : t.noFee}</span>
                  </span>
                  <span className="shrink-0 text-end tabular-nums">
                    <span className="block text-[15px] font-semibold text-foreground">{money(n === 1 ? p.total : round(p.total / n, 2))}</span>
                    {n > 1 && <span className="block text-[12px] text-muted-foreground">{t.monthly}</span>}
                  </span>
                </label>
              );
            })}
          </Stagger>
        </fieldset>
        {/* The plan as a rail of dates, it redraws for every choice */}
        <div className="mt-7 border-t border-border pt-6">
          <p className="text-[13px] font-medium text-muted-foreground">{t.schedule}</p>
          <ol key={plan} className="relative mt-4 grid gap-0 ps-6">
            {plan > 1 && <span aria-hidden className="absolute bottom-3 start-[7px] top-3 w-px bg-border" />}
            {dates.map((d, i) => (
              <li key={d} className="kit-rise relative flex items-baseline justify-between gap-3 py-1.5 text-[14px]" style={{ '--kit-delay': `${i * 60}ms` } as React.CSSProperties}>
                <span aria-hidden className={cn('absolute -start-6 top-[11px] size-[15px] rounded-full border-2', i === 0 ? 'border-primary bg-primary' : 'border-border-strong bg-card')} />
                <span className={i === 0 ? 'font-medium text-foreground' : 'text-muted-foreground'}>{d}</span>
                <span className="tabular-nums text-foreground">{money(part)}</span>
              </li>
            ))}
          </ol>
        </div>
      </Reveal>
      <Reveal effect="rise" delay={100}>
        <form
          noValidate
          className="kit-card grid gap-5 p-6 sm:p-8"
          onSubmit={(e) => {
            e.preventDefault();
            if (!card?.complete) {
              setError(t.cardNeeded);
              const form = e.currentTarget;
              requestAnimationFrame(() => form.querySelector<HTMLElement>('input[autocomplete="cc-number"]')?.focus());
              return;
            }
            p.onSubmit?.({ plan, card });
            setDone(true);
          }}
        >
          <p className="flex items-center gap-2.5 text-[15px] font-semibold text-foreground">
            <Icon name="credit-card" size={18} className="text-muted-foreground" />
            {t.card}
          </p>
          <CardInput variant="stacked" withName onValueChange={(v) => (setCard(v), setError(''))} error={error || undefined} />
          <Button type="submit" size="lg" icon="lock" className="w-full">
            {p.submitLabel ?? t.pay.replace('{a}', money(part))}
          </Button>
          <Secure t={t} />
        </form>
      </Reveal>
    </div>
  );
}

/* ------------------------------------------------------------------ */
/* Section                                                             */
/* ------------------------------------------------------------------ */

/**
 * Choosing how to pay and paying, without card brand logos.
 *   <PaymentForm variant="methods" total={89} currency="EUR" creditor="Northwind GmbH" onSubmit={(data) => …} />
 */
export function PaymentForm(props: PaymentFormProps) {
  const { variant = 'methods', eyebrow, title, description, labels, className } = props;
  const t = useTexts(TEXTS, labels);
  return (
    <Section className={className}>
      <FlowHead eyebrow={eyebrow} title={title} description={description} align="center" className="mb-10 sm:mb-14" />
      {variant === 'methods' && <Methods p={props} t={t} />}
      {variant === 'split-summary' && <SplitSummary p={props} t={t} />}
      {variant === 'direct-debit' && <DirectDebit p={props} t={t} />}
      {variant === 'installments' && <Installments p={props} t={t} />}
    </Section>
  );
}