Merchant (acc_xxx)            your Tagada account: one login, one CRM key
  ├── TPA (tpa_xxx)           an approved legal entity that can charge cards
  └── Store (store_xxx)       checkout & payment routing (auto-created)

import { Tagada } from '@tagadapay/node-sdk';

const tagada = new Tagada({ apiKey: process.env.TAGADA_CRM_KEY }); // sk_crm_…

// Minimal — passes intake, but our team will ask for more before activation.
// NOTE: this is NOT idempotent. Each call submits a NEW application to the
// review queue — keep `draft.id` and poll with retrieve(), don't blindly retry.
const draft = await tagada.processing.applications.create({
  businessInfo: { businessName: 'ACME COMMERCE', country: 'FR' },
  representative: { firstName: 'Jeanne', lastName: 'Dupont', email: 'jeanne@example.com' },
});

console.log(draft.recommendations);
// → ['businessInfo.email', 'businessInfo.website', 'businessInfo.registrationNumber',
//    'businessInfo.mcc', 'representative.idNumber', 'bankAccount.iban', …]

// → {
//   object: 'processing_application',
//   id: 'ent_xxx',
//   status: 'submitted',
//   accountId: 'acc_xxx',
//   tpaId: null,            // set once our team provisions your TPA
//   kycStatus: null,
//   submittedAt: '2026-06-26T…',
//   recommendations: []     // empty → nothing left to fill
// }

documents: [
  { type: 'national_id', fileKey: 'kyc/loic-id.pdf', fileUrl: 'https://…', fileName: 'id.pdf' },
  { type: 'business_registration', fileKey: 'kyb/kbis.pdf', fileUrl: 'https://…' },
  { type: 'bank_statement', fileKey: 'kyb/rib.pdf', fileUrl: 'https://…' },
]

const app = await tagada.processing.applications.create({ businessInfo, representative });

if (app.recommendations?.length) {
  console.warn('Acquirer KYB will need these before activation:', app.recommendations);
}

const audit = await tagada.processing.applications.auditDocument({
  kind: 'passport',
  fileUrl: uploadedUrl, // the public URL of the file you already uploaded
  // declared data to cross-check against (same shape as create())
  representative: { firstName: 'Loïc', lastName: 'Delobel', nationality: 'FR' },
});

for (const issue of audit.issues) {
  console.warn(`[${issue.code}] ${issue.message}`);
  if (issue.suggestion) console.warn(`  → ${issue.suggestion}`);
}

{
  kind: 'passport',
  detectedKind: 'passport',
  fields: { personName: 'LOIC DELOBEL', country: 'FR', /* … */ },
  issues: [
    {
      code: 'name_mismatch',
      severity: 'warning',
      documentType: 'passport',
      message: 'The name on the ID ("Loic Delobel") does not match the declared representative ("Loic Dupont").',
      suggestion: "Make sure the representative's first/last name exactly matches their photo ID.",
      confidence: 0.92,
    },
  ],
  source: 'llm',
}

const app = await tagada.processing.applications.create({ businessInfo, representative, documents });

if (app.documentWarnings?.length) {
  console.warn('Fix these for direct Adyen acceptance:');
  for (const w of app.documentWarnings) console.warn(`- [${w.code}] ${w.message}`);
}

const status = await tagada.processing.applications.retrieve('ent_xxx');
// { status: 'submitted' | 'in_review' | 'approved' | 'rejected' | …, tpaId, kycStatus }

import { Tagada } from '@tagadapay/node-sdk';

const tagada = new Tagada({ apiKey: process.env.TAGADA_CRM_KEY }); // one CRM key

// Three LLCs you operate. Each is its own legal entity → its own TPA.
const entities = [
  {
    businessName: 'NORTHWIND APPAREL LLC',
    ein: '88-1112221', mcc: '5651', website: 'https://northwind.example',
    rep: { firstName: 'John', lastName: 'Smith', email: 'john@northwind.example' },
    accountNumber: '1000000001',
  },
  {
    businessName: 'CINDER SUPPLEMENTS LLC',
    ein: '88-3334441', mcc: '5499', website: 'https://cinder.example',
    rep: { firstName: 'John', lastName: 'Smith', email: 'john@cinder.example' },
    accountNumber: '1000000002',
  },
  {
    businessName: 'HARBOR SAAS LLC',
    ein: '88-5556661', mcc: '5734', website: 'https://harbor.example',
    rep: { firstName: 'John', lastName: 'Smith', email: 'john@harbor.example' },
    accountNumber: '1000000003',
  },
];

// One application per LLC. They all attach to the SAME merchant (acc_xxx)
// and each provisions its own TPA once approved.
for (const e of entities) {
  const app = await tagada.processing.applications.create({
    businessInfo: {
      businessName: e.businessName,
      country: 'US',
      activityType: 'business',
      legalEntityType: 'llc',
      registrationNumber: e.ein,   // US: EIN is both…
      taxId: e.ein,                // …registrationNumber and taxId
      mcc: e.mcc,
      website: e.website,
      address: { street: '1 Market Street', city: 'San Francisco', state: 'CA', postalCode: '94105', country: 'US' },
    },
    representative: e.rep,
    bankAccount: {
      accountHolderName: e.businessName,  // holder MUST match each entity
      routingNumber: '021000021',
      accountNumber: e.accountNumber,
      currency: 'USD',
      country: 'US',
    },
  });

  console.log(`${e.businessName} → application ${app.id}, merchant ${app.accountId}`);
  // Same app.accountId (acc_xxx) for all three — one merchant, three applications.
}

// Build a client with your CRM key, then enroll → processing key.
// NOTE: not idempotent. One call = one NEW key. Enroll ONCE and store the
// secret; calling again just mints extra live keys you'll have to revoke.
const { key } = await tagada.processing.enroll({ mode: 'live' });
// key.secret = 'tp_sk_live_…'  (plaintext, returned ONLY here — store it)

const merchant = new Tagada({ apiKey: key.secret }); // tp_sk_live_…

// This one key lists all of your TPAs.
const { data: tpas } = await merchant.processing.tpas.list();
// → [ { id: 'tpa_aaa', … }, { id: 'tpa_bbb', … }, { id: 'tpa_ccc', … } ]
//   one TPA per approved LLC, all under your single merchant account

// Optional: mint a key scoped to a SINGLE TPA — e.g. to isolate one brand's
// charging, or hand one brand's key to a teammate.
// Also not idempotent: each call mints another key. Mint one per consumer
// (per service / per teammate) on purpose, and revoke them when unused.
const northwindKey = await merchant.processing.tpas.keys.create('tpa_aaa');
// northwindKey.secret = 'tp_sk_live_…' scoped to tpa_aaa only

// ── setup.ts — run ONCE ────────────────────────────────────────────────────
const { key } = await tagada.processing.enroll({ mode: 'live' });
// → store key.secret as TAGADA_PROCESSING_KEY in your secret manager

// ── app.ts — every request ─────────────────────────────────────────────────
const tp = new Tagada({ apiKey: process.env.TAGADA_PROCESSING_KEY! }); // read it
await tp.payments.process({ /* … */ });

const tp = new Tagada({ apiKey: key.secret }); // your stored tp_sk_…

await tp.payments.process(
  { paymentInstrumentId, paymentFlowId, amount: 4999, currency: 'EUR', paymentMethod: 'card', mode: 'purchase' },
  { idempotencyKey: 'order_42_charge_1' }, // same key on retry => at most one charge
);

const app = await tagada.processing.applications.create({ businessInfo, representative });

// From here on, track it — never call create() again for the same entity.
const status = await tagada.processing.applications.retrieve(app.id);