[POC] Link Brand Card

Example/PaymentSheet Example/PaymentSheet Example/PaymentSheetTestPlaygroundSettings.swift

@@ -242,6 +242,15 @@ struct PaymentSheetTestPlaygroundSettings: Codable, Equatable {
 
         case link_pm = "Link PM"
         case passthrough
+        case link_card_brand = "Link Card"
+
+        var value: String {
+            switch self {
+            case .link_pm: "LINK_PAYMENT_METHOD"
+            case .passthrough: "PASSTHROUGH"
+            case .link_card_brand: "LINK_CARD_BRAND"
+            }
+        }
     }
 
     enum UserOverrideCountry: String, PickerEnum {

Example/PaymentSheet Example/PaymentSheet Example/PlaygroundController.swift

@@ -458,6 +458,7 @@ extension PlaygroundController {
             "mode": settings.mode.rawValue,
             "automatic_payment_methods": settings.apmsEnabled == .on,
             "use_link": settings.linkMode == .link_pm,
+            "link_mode": settings.linkMode.value,
             "use_manual_confirmation": settings.integrationType == .deferred_mc,
             "require_cvc_recollection": settings.requireCVCRecollection == .on,
             "customer_session_component_name": "mobile_payment_element",

StripeFinancialConnections/StripeFinancialConnections/Source/API Bindings/FinancialConnectionsAPIClient.swift

@@ -219,6 +219,14 @@ protocol FinancialConnectionsAPI {
         bankAccountId: String
     ) -> Future<FinancialConnectionsPaymentDetails>
 
+    // TODO: Figure out return type for this request.
+    // We'll need to sort out the down-scoped client secret first.
+    func sharePaymentDetails(
+        consumerSessionClientSecret: String,
+        paymentDetailsId: String,
+        expectedPaymentMethodType: String
+    ) -> Future<FinancialConnectionsPaymentMethod>
+
     func paymentMethods(
         consumerSessionClientSecret: String,
         paymentDetailsId: String
@@ -944,6 +952,27 @@ extension FinancialConnectionsAPIClient: FinancialConnectionsAPI {
         )
     }
 
+    func sharePaymentDetails(
+        consumerSessionClientSecret: String,
+        paymentDetailsId: String,
+        expectedPaymentMethodType: String
+    ) -> Future<FinancialConnectionsPaymentMethod> {
+        let parameters: [String: Any] = [
+            "request_surface": requestSurface,
+            "id": paymentDetailsId,
+            "credentials": [
+                "consumer_session_client_secret": consumerSessionClientSecret
+            ],
+            "expected_payment_method_type": expectedPaymentMethodType,
+            "expand": ["payment_method"],
+        ]
+        return post(
+            resource: APIEndpointSharePaymentDetails,
+            parameters: parameters,
+            useConsumerPublishableKeyIfNeeded: false
+        )
+    }
+
     func paymentMethods(
         consumerSessionClientSecret: String,
         paymentDetailsId: String
@@ -995,4 +1024,5 @@ private let APIEndpointPollAccountNumbers = "link_account_sessions/poll_account_
 private let APIEndpointLinkAccountsSignUp = "consumers/accounts/sign_up"
 private let APIEndpointAttachLinkConsumerToLinkAccountSession = "consumers/attach_link_consumer_to_link_account_session"
 private let APIEndpointPaymentDetails = "consumers/payment_details"
+private let APIEndpointSharePaymentDetails = "consumers/payment_details/share"
 private let APIEndpointPaymentMethods = "payment_methods"

StripeFinancialConnections/StripeFinancialConnections/Source/API Bindings/Models/FinancialConnectionsSessionManifest.swift

@@ -126,6 +126,11 @@ struct FinancialConnectionsSessionManifest: Decodable {
         !livemode
     }
 
+    var isPantherPayment: Bool {
+        let isLinkPaymentMethod = paymentMethodType == .link
+        return isProductInstantDebits && isLinkPaymentMethod
+    }
+
     init(
         accountholderCustomerEmailAddress: String? = nil,
         accountholderIsLinkConsumer: Bool? = nil,

StripeFinancialConnections/StripeFinancialConnections/Source/Native/NativeFlowController.swift

@@ -513,10 +513,18 @@ extension NativeFlowController {
             }
 
             bankAccountDetails = paymentDetails.redactedPaymentDetails.bankAccountDetails
-            return self.dataManager.createPaymentMethod(
-                consumerSessionClientSecret: consumerSession.clientSecret,
-                paymentDetailsId: paymentDetails.redactedPaymentDetails.id
-            )
+            if self.dataManager.manifest.isPantherPayment {
+                return self.dataManager.apiClient.sharePaymentDetails(
+                    consumerSessionClientSecret: consumerSession.clientSecret,
+                    paymentDetailsId: paymentDetails.redactedPaymentDetails.id,
+                    expectedPaymentMethodType: "card"
+                )
+            } else {
+                return self.dataManager.createPaymentMethod(
+                    consumerSessionClientSecret: consumerSession.clientSecret,
+                    paymentDetailsId: paymentDetails.redactedPaymentDetails.id
+                )
+            }
         }
         .observe { result in
             switch result {
@@ -801,7 +809,7 @@ extension NativeFlowController: ManualEntryViewControllerDelegate {
         // to the Link signup/save call later in the flow. We don't need them anymore since we know
         // they've failed us in some way at this point.
         dataManager.linkedAccounts = nil
-        
+
         dataManager.paymentAccountResource = paymentAccountResource
         dataManager.accountNumberLast4 = accountNumberLast4
 

StripePaymentSheet/StripePaymentSheet.xcodeproj/project.pbxproj

@@ -85,6 +85,7 @@
 		47AD56A9889DF5EFBBA9CEFB /* PollingViewTests.swift in Sources */ = {isa = PBXBuildFile; fileRef = 1ADE49E72DD5EDA448D12D88 /* PollingViewTests.swift */; };
 		47B19F96CCEA290541E3B988 /* CardSectionElement.swift in Sources */ = {isa = PBXBuildFile; fileRef = 8D03000A6807B09BFD8E6CB1 /* CardSectionElement.swift */; };
 		48DA2EFE0944E737B0F197B0 /* OHHTTPStubs in Frameworks */ = {isa = PBXBuildFile; productRef = B2AFFAD776D5F21DF837F1BD /* OHHTTPStubs */; };
+		493CA9F12C7E14F90089058D /* ConsumerSession+PaymentMethodType.swift in Sources */ = {isa = PBXBuildFile; fileRef = 493CA9F02C7E14F90089058D /* ConsumerSession+PaymentMethodType.swift */; };
 		49803444CD948F1ED28FF021 /* PaymentSheetFormFactory+FormSpec.swift in Sources */ = {isa = PBXBuildFile; fileRef = FD7A1EFF100C589FDFF4D516 /* PaymentSheetFormFactory+FormSpec.swift */; };
 		49F62EDF394F18E5BB201D53 /* StripePaymentSheet.h in Headers */ = {isa = PBXBuildFile; fileRef = 7AA6166F234C3A2129CBD573 /* StripePaymentSheet.h */; settings = {ATTRIBUTES = (Public, ); }; };
 		4A1A0A542B824C830A200BE0 /* StubbedBackend.swift in Sources */ = {isa = PBXBuildFile; fileRef = BBF8498CCD12A5190F9267CD /* StubbedBackend.swift */; };
@@ -426,6 +427,7 @@
 		45B6DC9BD9183495E5649369 /* LinkAccountService.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = LinkAccountService.swift; sourceTree = "<group>"; };
 		47C5DB8C01BA7137369C8B4D /* TextFieldElement+Card.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = "TextFieldElement+Card.swift"; sourceTree = "<group>"; };
 		492B254E43F3BB9F9CEAEA06 /* PaymentSheetLoaderStubbedTest.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = PaymentSheetLoaderStubbedTest.swift; sourceTree = "<group>"; };
+		493CA9F02C7E14F90089058D /* ConsumerSession+PaymentMethodType.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = "ConsumerSession+PaymentMethodType.swift"; sourceTree = "<group>"; };
 		4BEFE8C0CFEAE73F9FD736D3 /* STPStringUtils.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = STPStringUtils.swift; sourceTree = "<group>"; };
 		4C6AA41454A6757B3E26AE67 /* StripePaymentSheetTests.xctest */ = {isa = PBXFileReference; explicitFileType = wrapper.cfbundle; includeInIndex = 0; path = StripePaymentSheetTests.xctest; sourceTree = BUILT_PRODUCTS_DIR; };
 		4D595AA033BC84CB4E1C277F /* PaymentSheetFormFactorySnapshotTest.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = PaymentSheetFormFactorySnapshotTest.swift; sourceTree = "<group>"; };
@@ -941,6 +943,7 @@
 				F1E614E8481658A027599A92 /* STPAPIClient+Link.swift */,
 				B662953D2C63F6C2007B6B14 /* PaymentDetailsShareResponse.swift */,
 				441C3414745D483C9A47ED0B /* VerificationSession.swift */,
+				493CA9F02C7E14F90089058D /* ConsumerSession+PaymentMethodType.swift */,
 			);
 			path = Link;
 			sourceTree = "<group>";
@@ -1788,6 +1791,7 @@
 				229A4A578609A3711F02682E /* STPCardBrandChoice.swift in Sources */,
 				3EDFACA133567159875143C5 /* STPElementsSession.swift in Sources */,
 				1BFC617EED154D32BFCADAE7 /* SeparatorLabel.swift in Sources */,
+				493CA9F12C7E14F90089058D /* ConsumerSession+PaymentMethodType.swift in Sources */,
 				01D46644D87983FC4387B92C /* InstantDebitsOnlyFinancialConnectionsAuthManager.swift in Sources */,
 				367BB57FA826A82EEF074A70 /* PayWithLinkWebController.swift in Sources */,
 				F3A34AD1CC2CBB899738C9D7 /* LinkInlineSignupElement.swift in Sources */,

StripePaymentSheet/StripePaymentSheet/Source/Helpers/PaymentSheetLinkAccount.swift

@@ -166,7 +166,12 @@ class PaymentSheetLinkAccount: PaymentSheetLinkAccountInfoProtocol {
         }
     }
 
-    func sharePaymentDetails(id: String, cvc: String?, completion: @escaping (Result<PaymentDetailsShareResponse, Error>) -> Void) {
+    func sharePaymentDetails(
+        id: String,
+        cvc: String?,
+        paymentMethodType: ConsumerSession.PaymentMethodType?,
+        completion: @escaping (Result<PaymentDetailsShareResponse, Error>) -> Void
+    ) {
         guard let session = currentSession else {
             assertionFailure()
             return completion(
@@ -182,6 +187,7 @@ class PaymentSheetLinkAccount: PaymentSheetLinkAccountInfoProtocol {
                 id: id,
                 cvc: cvc,
                 consumerAccountPublishableKey: publishableKey,
+                paymentMethodType: paymentMethodType,
                 completion: completionWrapper
             )
         }

StripePaymentSheet/StripePaymentSheet/Source/Internal/API Bindings/Link/ConsumerSession+PaymentMethodType.swift

@@ -0,0 +1,15 @@
+//
+//  ConsumerSession+PaymentMethodType.swift
+//  StripePaymentSheet
+//
+//  Created by Mat Schmid on 2024-08-27.
+//
+
+import Foundation
+
+extension ConsumerSession {
+    enum PaymentMethodType: String {
+        case card = "CARD"
+        case bankAccount = "BANK_ACCOUNT"
+    }
+}

StripePaymentSheet/StripePaymentSheet/Source/Internal/API Bindings/Link/ConsumerSession.swift

@@ -129,13 +129,15 @@ extension ConsumerSession {
         id: String,
         cvc: String?,
         consumerAccountPublishableKey: String?,
+        paymentMethodType: PaymentMethodType?,
         completion: @escaping (Result<PaymentDetailsShareResponse, Error>) -> Void
     ) {
         apiClient.sharePaymentDetails(
             for: clientSecret,
             id: id,
             consumerAccountPublishableKey: consumerAccountPublishableKey,
             cvc: cvc,
+            paymentMethodType: paymentMethodType?.rawValue,
             completion: completion)
     }
 

StripePaymentSheet/StripePaymentSheet/Source/Internal/API Bindings/Link/PaymentDetails.swift

@@ -19,18 +19,28 @@ typealias ConsumerSessionWithPaymentDetails = (session: ConsumerSession, payment
  For internal SDK use only
  */
 final class ConsumerPaymentDetails: Decodable {
+    enum PaymentDetailsType: String, Decodable {
+        case card = "CARD"
+        case bankAccount = "BANK_ACCOUNT"
+        case invalid = "PAYMENT_DETAILS_TYPE_INVALID"
+    }
+
     let stripeID: String
+    let paymentDetailsType: PaymentDetailsType
 
-    init(stripeID: String) {
+    init(stripeID: String, paymentDetailsType: PaymentDetailsType) {
         self.stripeID = stripeID
+        self.paymentDetailsType = paymentDetailsType
     }
 
     private enum CodingKeys: String, CodingKey {
         case stripeID = "id"
+        case paymentDetailsType = "type"
     }
 
     init(from decoder: Decoder) throws {
         let container = try decoder.container(keyedBy: CodingKeys.self)
         self.stripeID = try container.decode(String.self, forKey: .stripeID)
+        self.paymentDetailsType = try container.decode(PaymentDetailsType.self, forKey: .paymentDetailsType)
     }
 }

StripePaymentSheet/StripePaymentSheet/Source/Internal/API Bindings/Link/STPAPIClient+Link.swift

@@ -200,6 +200,7 @@ extension STPAPIClient {
         id: String,
         consumerAccountPublishableKey: String?,
         cvc: String?,
+        paymentMethodType: String?,
         completion: @escaping (Result<PaymentDetailsShareResponse, Error>) -> Void
     ) {
         let endpoint: String = "consumers/payment_details/share"
@@ -215,6 +216,10 @@ extension STPAPIClient {
             parameters["payment_method_options"] = ["card": ["cvc": cvc]]
         }
 
+        if let paymentMethodType {
+            parameters["expected_payment_method_type"] = paymentMethodType
+        }
+
         APIRequest<PaymentDetailsShareResponse>.post(
             with: self,
             endpoint: endpoint,

StripePaymentSheet/StripePaymentSheet/Source/Internal/Link/Extensions/Intent+Link.swift

@@ -26,6 +26,10 @@ extension STPElementsSession {
         linkSettings?.fundingSources
     }
 
+    var linkMode: LinkSettings.LinkMode? {
+        linkSettings?.linkMode
+    }
+
     var disableLinkSignup: Bool {
         linkSettings?.disableSignup ?? false
     }

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/IntentConfirmParams.swift

@@ -69,6 +69,9 @@ class IntentConfirmParams {
         case .instantDebits:
             let params = STPPaymentMethodParams(type: .link)
             self.init(params: params, type: type)
+        case .linkCardBrand:
+            let params = STPPaymentMethodParams(type: .card)
+            self.init(params: params, type: type)
         }
     }
 

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift

@@ -16,7 +16,10 @@ extension PaymentSheet {
     enum PaymentMethodType: Equatable, Hashable {
         case stripe(STPPaymentMethodType)
         case external(ExternalPaymentMethod)
+
+        // Synthetic payment methods:
         case instantDebits
+        case linkCardBrand
 
         static var analyticLogForIcon: Set<PaymentMethodType> = []
         static let analyticLogForIconSemaphore = DispatchSemaphore(value: 1)
@@ -27,7 +30,7 @@ extension PaymentSheet {
                 return paymentMethodType.displayName
             case .external(let externalPaymentMethod):
                 return externalPaymentMethod.label
-            case .instantDebits:
+            case .instantDebits, .linkCardBrand:
                 return String.Localized.bank
             }
         }
@@ -42,6 +45,8 @@ extension PaymentSheet {
                 return externalPaymentMethod.type
             case .instantDebits:
                 return "instant_debits"
+            case .linkCardBrand:
+                return "link_card_bank"
             }
         }
 
@@ -103,7 +108,7 @@ extension PaymentSheet {
                     }
                     return DownloadManager.sharedManager.imagePlaceHolder()
                 }
-            case .instantDebits:
+            case .instantDebits, .linkCardBrand:
                 return Image.pm_type_us_bank.makeImage(overrideUserInterfaceStyle: forDarkBackground ? .dark : .light)
             }
         }
@@ -114,7 +119,7 @@ extension PaymentSheet {
                 return stpPaymentMethodType.iconRequiresTinting
             case .external:
                 return false
-            case .instantDebits:
+            case .instantDebits, .linkCardBrand:
                 return true
             }
         }
@@ -173,6 +178,19 @@ extension PaymentSheet {
                 if availabilityStatus == .supported {
                     recommendedPaymentMethodTypes.append(.instantDebits)
                 }
+            } else if
+                elementsSession.linkFundingSources?.contains(.bankAccount) == true,
+                !elementsSession.orderedPaymentMethodTypes.contains(.USBankAccount),
+                elementsSession.linkSettings?.linkMode == .linkCardBrand
+            {
+                let availabilityStatus = configurationSatisfiesRequirements(
+                    requirements: [.financialConnectionsSDK],
+                    configuration: configuration,
+                    intent: intent
+                )
+                if availabilityStatus == .supported {
+                    recommendedPaymentMethodTypes.append(.linkCardBrand)
+                }
             }
 
             if let merchantPaymentMethodOrder = configuration.paymentMethodOrder?.map({ $0.lowercased() }) {
@@ -196,8 +214,10 @@ extension PaymentSheet {
                 }
                 // 3. Append the remaining PMs in recommendedPaymentMethodTypes
                 reorderedPaymentMethodTypes.append(contentsOf: recommendedPaymentMethodTypes)
+                print("**** reorderedPaymentMethodTypes", reorderedPaymentMethodTypes)
                 return reorderedPaymentMethodTypes
             } else {
+                print("**** recommendedPaymentMethodTypes", recommendedPaymentMethodTypes)
                 return recommendedPaymentMethodTypes
             }
         }
@@ -237,9 +257,9 @@ extension PaymentSheet {
                     case .bacsDebit:
                         return [.returnURL, .userSupportsDelayedPaymentMethods]
                     case .cardPresent, .blik, .weChatPay, .grabPay, .FPX, .giropay, .przelewy24, .EPS,
-                        .netBanking, .OXXO, .afterpayClearpay, .UPI, .link, .affirm, .paynow, .zip, .alma,
-                        .mobilePay, .unknown, .alipay, .konbini, .promptPay, .swish, .twint, .multibanco,
-                        .sunbit, .billie, .satispay:
+                        .netBanking, .OXXO, .afterpayClearpay, .UPI, .link, .affirm, .paynow,
+                        .zip, .alma, .mobilePay, .unknown, .alipay, .konbini, .promptPay, .swish, .twint,
+                        .multibanco, .sunbit, .billie, .satispay:
                         return [.unsupportedForSetup]
                     @unknown default:
                         return [.unsupportedForSetup]