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Auto-recharge with monthly spend cap

Auto-recharge is now generally available for SDK integrators. When a customer’s credit balance falls below a threshold, SolvaPay charges their saved card off-session for a fixed top-up amount and mints the credits — no manual checkout. An optional monthly spend cap limits how much auto-recharge can spend per UTC calendar month.
  • Configure per customer with a balance threshold, a fixed top-up amount, and an optional maxMonthlySpendMajor cap. When the next recharge would exceed the cap, the charge is skipped and resumes automatically when the UTC month rolls over.
  • @solvapay/react ships a drop-in <AutoRecharge> component and a useAutoRecharge hook, plus headless TopupForm parts for custom top-up UIs.
  • @solvapay/next adds one-liner route helpers: getAutoRecharge, saveAutoRecharge, disableAutoRecharge, createTopupPaymentIntent, and processTopupPaymentIntent.
  • Auto-recharge can be staged with the customer’s first top-up (deferCardSetup), so the card is saved on that charge and no separate setup step is needed.
See the new Auto-recharge guide for the full flow.
Breaking change in @solvapay/server 2.0.0. The monthly spend cap replaces the lifetime recharge-count cap. Rename AutoRechargeInput.maxRecharges to maxMonthlySpendMajor, and read maxMonthlySpendMinor / monthlySpendMinor / monthlySpendPeriod on the stored config instead of maxRecharges / rechargeCount. Configs no longer flip to completed when the cap is hit — status stays active and charges resume the next UTC month. See the migration notes.

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Business checkout for SDK integrators

Business buyers can now purchase plans and credit top-ups through your own checkout with correct tax treatment — the same capability the hosted pages gained on July 11.
  • PaymentForm.BusinessDetails and TopupForm.BusinessDetails collect company name, country, and tax ID with country-aware labels, attach them to the payment intent automatically, and block confirmation until the tax-updated amount applies.
  • attachBusinessDetails (@solvapay/next) and attachBusinessDetailsCore (@solvapay/server) trigger Stripe Tax and return a TaxBreakdown with the subtotal, tax amount, rate, and treatment — including reverse_charge for valid EU cross-border B2B purchases.
  • MCP apps get the same capability through the attach_business_details tool; the embedded checkout views in @solvapay/react/mcp call it automatically.
See the new Business checkout guide.

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New webhook: failed auto top-ups

customer.credit.auto_topup_failed fires when an off-session auto-recharge charge declines. The payload carries the customerRef, the paymentIntentId (or null when the charge was declined before an intent was created), and the decline reason. Use it to prompt the customer to update their payment method. See Webhooks.

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