Customer card → Stripe only
                  ↓ decline → lost sale
                  ↓ Stripe bans account → all cards gone

Customer card → vaulted once (payment instrument)
                  ↓
         ┌── Payment Flow ──┐
         │ sandbox (dev)    │  ← test cards
         │ → TPA (live)     │  ← your TagadaPay account
         │ → Stripe         │  ← optional direct processor
         │ → Checkout.com   │  ← optional
         └──────────────────┘
                  ↓
         Rebill every month — same vault, any processor

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

const tagada = new Tagada(process.env.TAGADA_API_KEY!);

const { processors } = await tagada.processors.list();
const sandbox = processors.find((p) => p.type === 'sandbox');
const router = processors.find((p) => p.type === 'tagadapay-router');

const flow = await tagada.paymentFlows.create({
  data: {
    name: 'SaaS Billing Flow',
    strategy: 'cascade',
    fallbackMode: true,
    maxFallbackRetries: 2,
    threeDsEnabled: true,
    stickyProcessorEnabled: true,
    pickProcessorStrategy: 'weighted',
    processorConfigs: [
      { processorId: sandbox!.id, weight: 100, disabled: false, nonStickable: false },
    ],
    fallbackProcessorConfigs: [
      { processorId: router!.id, orderIndex: 0 },
    ],
  },
});

console.log(flow.id);
// flow_35f3975175fe — verified in production

const { payment } = await tagada.payments.process({
  amount: 1900,
  currency: 'EUR',
  storeId: 'store_xxx',
  paymentInstrumentId: 'inst_xxx',
  customerId: 'cus_xxx',
  initiatedBy: 'customer',
  paymentFlowId: 'flow_35f3975175fe',
});

console.log(payment.status);    // 'succeeded'
console.log(payment.processorId); // which processor won the route

Payment: pay_666f3a317d1b succeeded processor: processor_4ae47011dc96

await tagada.paymentFlows.update({
  flowId: 'flow_35f3975175fe',
  data: {
    strategy: 'cascade',
    fallbackMode: true,
    maxFallbackRetries: 3,
    processorConfigs: [
      { processorId: 'processor_sandbox', weight: 50, disabled: false, nonStickable: false },
      { processorId: 'processor_stripe', weight: 50, disabled: false, nonStickable: false },
    ],
    fallbackProcessorConfigs: [
      { processorId: 'processor_tagadapay_router', orderIndex: 0 },
      { processorId: 'processor_checkout_com', orderIndex: 1 },
    ],
  },
});

await tagada.subscriptions.changeProcessor({
  subscriptionIds: ['sub_xyz'],
  processorId: 'processor_new',
});

const flow = await tagada.paymentFlows.retrieveWithProcessors('flow_35f3975175fe');

console.log(flow.name);              // 'SaaS Billing Flow'
console.log(flow.strategy);          // 'cascade'
console.log(flow.processorConfigs);  // primary processors
console.log(flow.fallbackProcessorConfigs); // fallback chain