import { CoverPay } from '@hedgepayments/coverpay';

const coverpay = new CoverPay({
  apiKey: process.env.COVERPAY_API_KEY,
  merchantId: process.env.MERCHANT_ID
});

// Pre-qualify user (soft check, no credit impact)
const qualification = await coverpay.prequalify({
  userId: 'user-123',
  amount: 250.00,
  email: '[email protected]'
});

if (qualification.approved) {
  // Show available plans
  console.log('Available plans:', qualification.plans);
  // [{ type: 'pay-in-4', payments: 4, perPayment: 62.50 },
  //  { type: 'monthly-3', payments: 3, perPayment: 83.33 }]

  // Create the payment
  const payment = await coverpay.createPayment({
    userId: 'user-123',
    amount: 250.00,
    plan: 'pay-in-4',
    orderId: 'order-456'
  });

  console.log('First payment collected:', payment.firstPayment);
  console.log('Next payment due:', payment.nextPaymentDate);
}