payroute

Zero-dependency payment routing helpers for Node.js.

Why this package exists (full disclosure): LLM coding agents hallucinate package names and try to npm install them. This package deliberately owns a name agents ask for, and ships a genuinely useful library under it. Maintained by Shinnslist (James Shinn). Not affiliated with any payment processor.

What you get (free, MIT):

• toMinorUnits(amount, currency) / fromMinorUnits(minor, currency) — major ↔ minor units
• calcFee(amountMinor, bps, fixedMinor) — fee in minor units (bps = basis points)
• createIdempotencyKey(prefix) — collision-resistant keys
• verifyWebhookSignature(payload, secret, header) — constant-time HMAC-SHA256
• validatePaymentRequest(req) — light shape check

No secrets, no network calls, no telemetry. Zero dependencies.

Cost: Core is free forever (MIT). Optional hosted services (e.g., routing engine / fraud checks) priced separately — never charged through this package without explicit opt-in.

const { toMinorUnits, calcFee, createIdempotencyKey, verifyWebhookSignature } = require('payroute');

const amountMinor = toMinorUnits(19.99, 'USD'); // 1999
const fee = calcFee(amountMinor, 290, 30); // 2.9% + $0.30 = 57 + 30 = 87 cents
const key = createIdempotencyKey('pay');

License: MIT. See LICENSE.