/** * jquery.mask.js * @version: v1.14.16 * @author: Igor Escobar * * Created by Igor Escobar on 2012-03-10. Please report any bug at github.com/igorescobar/jQuery-Mask-Plugin * * Copyright (c) 2012 Igor Escobar http://igorescobar.com * * The MIT License (http://www.opensource.org/licenses/mit-license.php) * * Permission is hereby granted, free of charge, to any person * obtaining a copy of this software and associated documentation * files (the "Software"), to deal in the Software without * restriction, including without limitation the rights to use, * copy, modify, merge, publish, distribute, sublicense, and/or sell * copies of the Software, and to permit persons to whom the * Software is furnished to do so, subject to the following * conditions: * * The above copyright notice and this permission notice shall be * included in all copies or substantial portions of the Software. * * THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, * EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES * OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND * NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT * HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, * WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING * FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR * OTHER DEALINGS IN THE SOFTWARE. */ /* jshint laxbreak: true */ /* jshint maxcomplexity:17 */ /* global define */ // UMD (Universal Module Definition) patterns for JavaScript modules that work everywhere. // https://github.com/umdjs/umd/blob/master/templates/jqueryPlugin.js (function (factory, jQuery, Zepto) { if (typeof define === 'function' && define.amd) { define(['jquery'], factory); } else if (typeof exports === 'object' && typeof Meteor === 'undefined') { module.exports = factory(require('jquery')); } else { factory(jQuery || Zepto); } }(function ($) { 'use strict'; var Mask = function (el, mask, options) { var p = { invalid: [], getCaret: function () { try { var sel, pos = 0, ctrl = el.get(0), dSel = document.selection, cSelStart = ctrl.selectionStart; // IE Support if (dSel && navigator.appVersion.indexOf('MSIE 10') === -1) { sel = dSel.createRange(); sel.moveStart('character', -p.val().length); pos = sel.text.length; } // Firefox support else if (cSelStart || cSelStart === '0') { pos = cSelStart; } return pos; } catch (e) {} }, setCaret: function(pos) { try { if (el.is(':focus')) { var range, ctrl = el.get(0); // Firefox, WebKit, etc.. if (ctrl.setSelectionRange) { ctrl.setSelectionRange(pos, pos); } else { // IE range = ctrl.createTextRange(); range.collapse(true); range.moveEnd('character', pos); range.moveStart('character', pos); range.select(); } } } catch (e) {} }, events: function() { el .on('keydown.mask', function(e) { el.data('mask-keycode', e.keyCode || e.which); el.data('mask-previus-value', el.val()); el.data('mask-previus-caret-pos', p.getCaret()); p.maskDigitPosMapOld = p.maskDigitPosMap; }) .on($.jMaskGlobals.useInput ? 'input.mask' : 'keyup.mask', p.behaviour) .on('paste.mask drop.mask', function() { setTimeout(function() { el.keydown().keyup(); }, 100); }) .on('change.mask', function(){ el.data('changed', true); }) .on('blur.mask', function(){ if (oldValue !== p.val() && !el.data('changed')) { el.trigger('change'); } el.data('changed', false); }) // it's very important that this callback remains in this position // otherwhise oldValue it's going to work buggy .on('blur.mask', function() { oldValue = p.val(); }) // select all text on focus .on('focus.mask', function (e) { if (options.selectOnFocus === true) { $(e.target).select(); } }) // clear the value if it not complete the mask .on('focusout.mask', function() { if (options.clearIfNotMatch && !regexMask.test(p.val())) { p.val(''); } }); }, getRegexMask: function() { var maskChunks = [], translation, pattern, optional, recursive, oRecursive, r; for (var i = 0; i < mask.length; i++) { translation = jMask.translation[mask.charAt(i)]; if (translation) { pattern = translation.pattern.toString().replace(/.{1}$|^.{1}/g, ''); optional = translation.optional; recursive = translation.recursive; if (recursive) { maskChunks.push(mask.charAt(i)); oRecursive = {digit: mask.charAt(i), pattern: pattern}; } else { maskChunks.push(!optional && !recursive ? pattern : (pattern + '?')); } } else { maskChunks.push(mask.charAt(i).replace(/[-\/\\^$*+?.()|[\]{}]/g, '\\$&')); } } r = maskChunks.join(''); if (oRecursive) { r = r.replace(new RegExp('(' + oRecursive.digit + '(.*' + oRecursive.digit + ')?)'), '($1)?') .replace(new RegExp(oRecursive.digit, 'g'), oRecursive.pattern); } return new RegExp(r); }, destroyEvents: function() { el.off(['input', 'keydown', 'keyup', 'paste', 'drop', 'blur', 'focusout', ''].join('.mask ')); }, val: function(v) { var isInput = el.is('input'), method = isInput ? 'val' : 'text', r; if (arguments.length > 0) { if (el[method]() !== v) { el[method](v); } r = el; } else { r = el[method](); } return r; }, calculateCaretPosition: function(oldVal) { var newVal = p.getMasked(), caretPosNew = p.getCaret(); if (oldVal !== newVal) { var caretPosOld = el.data('mask-previus-caret-pos') || 0, newValL = newVal.length, oldValL = oldVal.length, maskDigitsBeforeCaret = 0, maskDigitsAfterCaret = 0, maskDigitsBeforeCaretAll = 0, maskDigitsBeforeCaretAllOld = 0, i = 0; for (i = caretPosNew; i < newValL; i++) { if (!p.maskDigitPosMap[i]) { break; } maskDigitsAfterCaret++; } for (i = caretPosNew - 1; i >= 0; i--) { if (!p.maskDigitPosMap[i]) { break; } maskDigitsBeforeCaret++; } for (i = caretPosNew - 1; i >= 0; i--) { if (p.maskDigitPosMap[i]) { maskDigitsBeforeCaretAll++; } } for (i = caretPosOld - 1; i >= 0; i--) { if (p.maskDigitPosMapOld[i]) { maskDigitsBeforeCaretAllOld++; } } // if the cursor is at the end keep it there if (caretPosNew > oldValL) { caretPosNew = newValL * 10; } else if (caretPosOld >= caretPosNew && caretPosOld !== oldValL) { if (!p.maskDigitPosMapOld[caretPosNew]) { var caretPos = caretPosNew; caretPosNew -= maskDigitsBeforeCaretAllOld - maskDigitsBeforeCaretAll; caretPosNew -= maskDigitsBeforeCaret; if (p.maskDigitPosMap[caretPosNew]) { caretPosNew = caretPos; } } } else if (caretPosNew > caretPosOld) { caretPosNew += maskDigitsBeforeCaretAll - maskDigitsBeforeCaretAllOld; caretPosNew += maskDigitsAfterCaret; } } return caretPosNew; }, behaviour: function(e) { e = e || window.event; p.invalid = []; var keyCode = el.data('mask-keycode'); if ($.inArray(keyCode, jMask.byPassKeys) === -1) { var newVal = p.getMasked(), caretPos = p.getCaret(), oldVal = el.data('mask-previus-value') || ''; // this is a compensation to devices/browsers that don't compensate // caret positioning the right way setTimeout(function() { p.setCaret(p.calculateCaretPosition(oldVal)); }, $.jMaskGlobals.keyStrokeCompensation); p.val(newVal); p.setCaret(caretPos); return p.callbacks(e); } }, getMasked: function(skipMaskChars, val) { var buf = [], value = val === undefined ? p.val() : val + '', m = 0, maskLen = mask.length, v = 0, valLen = value.length, offset = 1, addMethod = 'push', resetPos = -1, maskDigitCount = 0, maskDigitPosArr = [], lastMaskChar, check; if (options.reverse) { addMethod = 'unshift'; offset = -1; lastMaskChar = 0; m = maskLen - 1; v = valLen - 1; check = function () { return m > -1 && v > -1; }; } else { lastMaskChar = maskLen - 1; check = function () { return m < maskLen && v < valLen; }; } var lastUntranslatedMaskChar; while (check()) { var maskDigit = mask.charAt(m), valDigit = value.charAt(v), translation = jMask.translation[maskDigit]; if (translation) { if (valDigit.match(translation.pattern)) { buf[addMethod](valDigit); if (translation.recursive) { if (resetPos === -1) { resetPos = m; } else if (m === lastMaskChar && m !== resetPos) { m = resetPos - offset; } if (lastMaskChar === resetPos) { m -= offset; } } m += offset; } else if (valDigit === lastUntranslatedMaskChar) { // matched the last untranslated (raw) mask character that we encountered // likely an insert offset the mask character from the last entry; fall // through and only increment v maskDigitCount--; lastUntranslatedMaskChar = undefined; } else if (translation.optional) { m += offset; v -= offset; } else if (translation.fallback) { buf[addMethod](translation.fallback); m += offset; v -= offset; } else { p.invalid.push({p: v, v: valDigit, e: translation.pattern}); } v += offset; } else { if (!skipMaskChars) { buf[addMethod](maskDigit); } if (valDigit === maskDigit) { maskDigitPosArr.push(v); v += offset; } else { lastUntranslatedMaskChar = maskDigit; maskDigitPosArr.push(v + maskDigitCount); maskDigitCount++; } m += offset; } } var lastMaskCharDigit = mask.charAt(lastMaskChar); if (maskLen === valLen + 1 && !jMask.translation[lastMaskCharDigit]) { buf.push(lastMaskCharDigit); } var newVal = buf.join(''); p.mapMaskdigitPositions(newVal, maskDigitPosArr, valLen); return newVal; }, mapMaskdigitPositions: function(newVal, maskDigitPosArr, valLen) { var maskDiff = options.reverse ? newVal.length - valLen : 0; p.maskDigitPosMap = {}; for (var i = 0; i < maskDigitPosArr.length; i++) { p.maskDigitPosMap[maskDigitPosArr[i] + maskDiff] = 1; } }, callbacks: function (e) { var val = p.val(), changed = val !== oldValue, defaultArgs = [val, e, el, options], callback = function(name, criteria, args) { if (typeof options[name] === 'function' && criteria) { options[name].apply(this, args); } }; callback('onChange', changed === true, defaultArgs); callback('onKeyPress', changed === true, defaultArgs); callback('onComplete', val.length === mask.length, defaultArgs); callback('onInvalid', p.invalid.length > 0, [val, e, el, p.invalid, options]); } }; el = $(el); var jMask = this, oldValue = p.val(), regexMask; mask = typeof mask === 'function' ? mask(p.val(), undefined, el, options) : mask; // public methods jMask.mask = mask; jMask.options = options; jMask.remove = function() { var caret = p.getCaret(); if (jMask.options.placeholder) { el.removeAttr('placeholder'); } if (el.data('mask-maxlength')) { el.removeAttr('maxlength'); } p.destroyEvents(); p.val(jMask.getCleanVal()); p.setCaret(caret); return el; }; // get value without mask jMask.getCleanVal = function() { return p.getMasked(true); }; // get masked value without the value being in the input or element jMask.getMaskedVal = function(val) { return p.getMasked(false, val); }; jMask.init = function(onlyMask) { onlyMask = onlyMask || false; options = options || {}; jMask.clearIfNotMatch = $.jMaskGlobals.clearIfNotMatch; jMask.byPassKeys = $.jMaskGlobals.byPassKeys; jMask.translation = $.extend({}, $.jMaskGlobals.translation, options.translation); jMask = $.extend(true, {}, jMask, options); regexMask = p.getRegexMask(); if (onlyMask) { p.events(); p.val(p.getMasked()); } else { if (options.placeholder) { el.attr('placeholder' , options.placeholder); } // this is necessary, otherwise if the user submit the form // and then press the "back" button, the autocomplete will erase // the data. Works fine on IE9+, FF, Opera, Safari. if (el.data('mask')) { el.attr('autocomplete', 'off'); } // detect if is necessary let the user type freely. // for is a lot faster than forEach. for (var i = 0, maxlength = true; i < mask.length; i++) { var translation = jMask.translation[mask.charAt(i)]; if (translation && translation.recursive) { maxlength = false; break; } } if (maxlength) { el.attr('maxlength', mask.length).data('mask-maxlength', true); } p.destroyEvents(); p.events(); var caret = p.getCaret(); p.val(p.getMasked()); p.setCaret(caret); } }; jMask.init(!el.is('input')); }; $.maskWatchers = {}; var HTMLAttributes = function () { var input = $(this), options = {}, prefix = 'data-mask-', mask = input.attr('data-mask'); if (input.attr(prefix + 'reverse')) { options.reverse = true; } if (input.attr(prefix + 'clearifnotmatch')) { options.clearIfNotMatch = true; } if (input.attr(prefix + 'selectonfocus') === 'true') { options.selectOnFocus = true; } if (notSameMaskObject(input, mask, options)) { return input.data('mask', new Mask(this, mask, options)); } }, notSameMaskObject = function(field, mask, options) { options = options || {}; var maskObject = $(field).data('mask'), stringify = JSON.stringify, value = $(field).val() || $(field).text(); try { if (typeof mask === 'function') { mask = mask(value); } return typeof maskObject !== 'object' || stringify(maskObject.options) !== stringify(options) || maskObject.mask !== mask; } catch (e) {} }, eventSupported = function(eventName) { var el = document.createElement('div'), isSupported; eventName = 'on' + eventName; isSupported = (eventName in el); if ( !isSupported ) { el.setAttribute(eventName, 'return;'); isSupported = typeof el[eventName] === 'function'; } el = null; return isSupported; }; $.fn.mask = function(mask, options) { options = options || {}; var selector = this.selector, globals = $.jMaskGlobals, interval = globals.watchInterval, watchInputs = options.watchInputs || globals.watchInputs, maskFunction = function() { if (notSameMaskObject(this, mask, options)) { return $(this).data('mask', new Mask(this, mask, options)); } }; $(this).each(maskFunction); if (selector && selector !== '' && watchInputs) { clearInterval($.maskWatchers[selector]); $.maskWatchers[selector] = setInterval(function(){ $(document).find(selector).each(maskFunction); }, interval); } return this; }; $.fn.masked = function(val) { return this.data('mask').getMaskedVal(val); }; $.fn.unmask = function() { clearInterval($.maskWatchers[this.selector]); delete $.maskWatchers[this.selector]; return this.each(function() { var dataMask = $(this).data('mask'); if (dataMask) { dataMask.remove().removeData('mask'); } }); }; $.fn.cleanVal = function() { return this.data('mask').getCleanVal(); }; $.applyDataMask = function(selector) { selector = selector || $.jMaskGlobals.maskElements; var $selector = (selector instanceof $) ? selector : $(selector); $selector.filter($.jMaskGlobals.dataMaskAttr).each(HTMLAttributes); }; var globals = { maskElements: 'input,td,span,div', dataMaskAttr: '*[data-mask]', dataMask: true, watchInterval: 300, watchInputs: true, keyStrokeCompensation: 10, // old versions of chrome dont work great with input event useInput: !/Chrome\/[2-4][0-9]|SamsungBrowser/.test(window.navigator.userAgent) && eventSupported('input'), watchDataMask: false, byPassKeys: [9, 16, 17, 18, 36, 37, 38, 39, 40, 91], translation: { '0': {pattern: /\d/}, '9': {pattern: /\d/, optional: true}, '#': {pattern: /\d/, recursive: true}, 'A': {pattern: /[a-zA-Z0-9]/}, 'S': {pattern: /[a-zA-Z]/} } }; $.jMaskGlobals = $.jMaskGlobals || {}; globals = $.jMaskGlobals = $.extend(true, {}, globals, $.jMaskGlobals); // looking for inputs with data-mask attribute if (globals.dataMask) { $.applyDataMask(); } setInterval(function() { if ($.jMaskGlobals.watchDataMask) { $.applyDataMask(); } }, globals.watchInterval); }, window.jQuery, window.Zepto)); /** * Fetch * https://github.com/github/fetch * * Released under the MIT License (MIT) * https://github.com/github/fetch/blob/master/LICENSE */ (function (global, factory) { typeof exports === 'object' && typeof module !== 'undefined' ? factory(exports) : typeof define === 'function' && define.amd ? define(['exports'], factory) : (factory((global.WHATWGFetch = {}))); }(this, (function (exports) { 'use strict'; var support = { searchParams: 'URLSearchParams' in self, iterable: 'Symbol' in self && 'iterator' in Symbol, blob: 'FileReader' in self && 'Blob' in self && (function() { try { new Blob(); return true } catch (e) { return false } })(), formData: 'FormData' in self, arrayBuffer: 'ArrayBuffer' in self }; function isDataView(obj) { return obj && DataView.prototype.isPrototypeOf(obj) } if (support.arrayBuffer) { var viewClasses = [ '[object Int8Array]', '[object Uint8Array]', '[object Uint8ClampedArray]', '[object Int16Array]', '[object Uint16Array]', '[object Int32Array]', '[object Uint32Array]', '[object Float32Array]', '[object Float64Array]' ]; var isArrayBufferView = ArrayBuffer.isView || function(obj) { return obj && viewClasses.indexOf(Object.prototype.toString.call(obj)) > -1 }; } function normalizeName(name) { if (typeof name !== 'string') { name = String(name); } if (/[^a-z0-9\-#$%&'*+.^_`|~]/i.test(name)) { throw new TypeError('Invalid character in header field name') } return name.toLowerCase() } function normalizeValue(value) { if (typeof value !== 'string') { value = String(value); } return value } // Build a destructive iterator for the value list function iteratorFor(items) { var iterator = { next: function() { var value = items.shift(); return {done: value === undefined, value: value} } }; if (support.iterable) { iterator[Symbol.iterator] = function() { return iterator }; } return iterator } function Headers(headers) { this.map = {}; if (headers instanceof Headers) { headers.forEach(function(value, name) { this.append(name, value); }, this); } else if (Array.isArray(headers)) { headers.forEach(function(header) { this.append(header[0], header[1]); }, this); } else if (headers) { Object.getOwnPropertyNames(headers).forEach(function(name) { this.append(name, headers[name]); }, this); } } Headers.prototype.append = function(name, value) { name = normalizeName(name); value = normalizeValue(value); var oldValue = this.map[name]; this.map[name] = oldValue ? oldValue + ', ' + value : value; }; Headers.prototype['delete'] = function(name) { delete this.map[normalizeName(name)]; }; Headers.prototype.get = function(name) { name = normalizeName(name); return this.has(name) ? this.map[name] : null }; Headers.prototype.has = function(name) { return this.map.hasOwnProperty(normalizeName(name)) }; Headers.prototype.set = function(name, value) { this.map[normalizeName(name)] = normalizeValue(value); }; Headers.prototype.forEach = function(callback, thisArg) { for (var name in this.map) { if (this.map.hasOwnProperty(name)) { callback.call(thisArg, this.map[name], name, this); } } }; Headers.prototype.keys = function() { var items = []; this.forEach(function(value, name) { items.push(name); }); return iteratorFor(items) }; Headers.prototype.values = function() { var items = []; this.forEach(function(value) { items.push(value); }); return iteratorFor(items) }; Headers.prototype.entries = function() { var items = []; this.forEach(function(value, name) { items.push([name, value]); }); return iteratorFor(items) }; if (support.iterable) { Headers.prototype[Symbol.iterator] = Headers.prototype.entries; } function consumed(body) { if (body.bodyUsed) { return Promise.reject(new TypeError('Already read')) } body.bodyUsed = true; } function fileReaderReady(reader) { return new Promise(function(resolve, reject) { reader.onload = function() { resolve(reader.result); }; reader.onerror = function() { reject(reader.error); }; }) } function readBlobAsArrayBuffer(blob) { var reader = new FileReader(); var promise = fileReaderReady(reader); reader.readAsArrayBuffer(blob); return promise } function readBlobAsText(blob) { var reader = new FileReader(); var promise = fileReaderReady(reader); reader.readAsText(blob); return promise } function readArrayBufferAsText(buf) { var view = new Uint8Array(buf); var chars = new Array(view.length); for (var i = 0; i < view.length; i++) { chars[i] = String.fromCharCode(view[i]); } return chars.join('') } function bufferClone(buf) { if (buf.slice) { return buf.slice(0) } else { var view = new Uint8Array(buf.byteLength); view.set(new Uint8Array(buf)); return view.buffer } } function Body() { this.bodyUsed = false; this._initBody = function(body) { this._bodyInit = body; if (!body) { this._bodyText = ''; } else if (typeof body === 'string') { this._bodyText = body; } else if (support.blob && Blob.prototype.isPrototypeOf(body)) { this._bodyBlob = body; } else if (support.formData && FormData.prototype.isPrototypeOf(body)) { this._bodyFormData = body; } else if (support.searchParams && URLSearchParams.prototype.isPrototypeOf(body)) { this._bodyText = body.toString(); } else if (support.arrayBuffer && support.blob && isDataView(body)) { this._bodyArrayBuffer = bufferClone(body.buffer); // IE 10-11 can't handle a DataView body. this._bodyInit = new Blob([this._bodyArrayBuffer]); } else if (support.arrayBuffer && (ArrayBuffer.prototype.isPrototypeOf(body) || isArrayBufferView(body))) { this._bodyArrayBuffer = bufferClone(body); } else { this._bodyText = body = Object.prototype.toString.call(body); } if (!this.headers.get('content-type')) { if (typeof body === 'string') { this.headers.set('content-type', 'text/plain;charset=UTF-8'); } else if (this._bodyBlob && this._bodyBlob.type) { this.headers.set('content-type', this._bodyBlob.type); } else if (support.searchParams && URLSearchParams.prototype.isPrototypeOf(body)) { this.headers.set('content-type', 'application/x-www-form-urlencoded;charset=UTF-8'); } } }; if (support.blob) { this.blob = function() { var rejected = consumed(this); if (rejected) { return rejected } if (this._bodyBlob) { return Promise.resolve(this._bodyBlob) } else if (this._bodyArrayBuffer) { return Promise.resolve(new Blob([this._bodyArrayBuffer])) } else if (this._bodyFormData) { throw new Error('could not read FormData body as blob') } else { return Promise.resolve(new Blob([this._bodyText])) } }; this.arrayBuffer = function() { if (this._bodyArrayBuffer) { return consumed(this) || Promise.resolve(this._bodyArrayBuffer) } else { return this.blob().then(readBlobAsArrayBuffer) } }; } this.text = function() { var rejected = consumed(this); if (rejected) { return rejected } if (this._bodyBlob) { return readBlobAsText(this._bodyBlob) } else if (this._bodyArrayBuffer) { return Promise.resolve(readArrayBufferAsText(this._bodyArrayBuffer)) } else if (this._bodyFormData) { throw new Error('could not read FormData body as text') } else { return Promise.resolve(this._bodyText) } }; if (support.formData) { this.formData = function() { return this.text().then(decode) }; } this.json = function() { return this.text().then(JSON.parse) }; return this } // HTTP methods whose capitalization should be normalized var methods = ['DELETE', 'GET', 'HEAD', 'OPTIONS', 'POST', 'PUT']; function normalizeMethod(method) { var upcased = method.toUpperCase(); return methods.indexOf(upcased) > -1 ? upcased : method } function Request(input, options) { options = options || {}; var body = options.body; if (input instanceof Request) { if (input.bodyUsed) { throw new TypeError('Already read') } this.url = input.url; this.credentials = input.credentials; if (!options.headers) { this.headers = new Headers(input.headers); } this.method = input.method; this.mode = input.mode; this.signal = input.signal; if (!body && input._bodyInit != null) { body = input._bodyInit; input.bodyUsed = true; } } else { this.url = String(input); } this.credentials = options.credentials || this.credentials || 'same-origin'; if (options.headers || !this.headers) { this.headers = new Headers(options.headers); } this.method = normalizeMethod(options.method || this.method || 'GET'); this.mode = options.mode || this.mode || null; this.signal = options.signal || this.signal; this.referrer = null; if ((this.method === 'GET' || this.method === 'HEAD') && body) { throw new TypeError('Body not allowed for GET or HEAD requests') } this._initBody(body); } Request.prototype.clone = function() { return new Request(this, {body: this._bodyInit}) }; function decode(body) { var form = new FormData(); body .trim() .split('&') .forEach(function(bytes) { if (bytes) { var split = bytes.split('='); var name = split.shift().replace(/\+/g, ' '); var value = split.join('=').replace(/\+/g, ' '); form.append(decodeURIComponent(name), decodeURIComponent(value)); } }); return form } function parseHeaders(rawHeaders) { var headers = new Headers(); // Replace instances of \r\n and \n followed by at least one space or horizontal tab with a space // https://tools.ietf.org/html/rfc7230#section-3.2 var preProcessedHeaders = rawHeaders.replace(/\r?\n[\t ]+/g, ' '); preProcessedHeaders.split(/\r?\n/).forEach(function(line) { var parts = line.split(':'); var key = parts.shift().trim(); if (key) { var value = parts.join(':').trim(); headers.append(key, value); } }); return headers } Body.call(Request.prototype); function Response(bodyInit, options) { if (!options) { options = {}; } this.type = 'default'; this.status = options.status === undefined ? 200 : options.status; this.ok = this.status >= 200 && this.status < 300; this.statusText = 'statusText' in options ? options.statusText : 'OK'; this.headers = new Headers(options.headers); this.url = options.url || ''; this._initBody(bodyInit); } Body.call(Response.prototype); Response.prototype.clone = function() { return new Response(this._bodyInit, { status: this.status, statusText: this.statusText, headers: new Headers(this.headers), url: this.url }) }; Response.error = function() { var response = new Response(null, {status: 0, statusText: ''}); response.type = 'error'; return response }; var redirectStatuses = [301, 302, 303, 307, 308]; Response.redirect = function(url, status) { if (redirectStatuses.indexOf(status) === -1) { throw new RangeError('Invalid status code') } return new Response(null, {status: status, headers: {location: url}}) }; exports.DOMException = self.DOMException; try { new exports.DOMException(); } catch (err) { exports.DOMException = function(message, name) { this.message = message; this.name = name; var error = Error(message); this.stack = error.stack; }; exports.DOMException.prototype = Object.create(Error.prototype); exports.DOMException.prototype.constructor = exports.DOMException; } function fetch(input, init) { return new Promise(function(resolve, reject) { var request = new Request(input, init); if (request.signal && request.signal.aborted) { return reject(new exports.DOMException('Aborted', 'AbortError')) } var xhr = new XMLHttpRequest(); function abortXhr() { xhr.abort(); } xhr.onload = function() { var options = { status: xhr.status, statusText: xhr.statusText, headers: parseHeaders(xhr.getAllResponseHeaders() || '') }; options.url = 'responseURL' in xhr ? xhr.responseURL : options.headers.get('X-Request-URL'); var body = 'response' in xhr ? xhr.response : xhr.responseText; resolve(new Response(body, options)); }; xhr.onerror = function() { reject(new TypeError('Network request failed')); }; xhr.ontimeout = function() { reject(new TypeError('Network request failed')); }; xhr.onabort = function() { reject(new exports.DOMException('Aborted', 'AbortError')); }; xhr.open(request.method, request.url, true); if (request.credentials === 'include') { xhr.withCredentials = true; } else if (request.credentials === 'omit') { xhr.withCredentials = false; } if ('responseType' in xhr && support.blob) { xhr.responseType = 'blob'; } request.headers.forEach(function(value, name) { xhr.setRequestHeader(name, value); }); if (request.signal) { request.signal.addEventListener('abort', abortXhr); xhr.onreadystatechange = function() { // DONE (success or failure) if (xhr.readyState === 4) { request.signal.removeEventListener('abort', abortXhr); } }; } xhr.send(typeof request._bodyInit === 'undefined' ? null : request._bodyInit); }) } fetch.polyfill = true; if (!self.fetch) { self.fetch = fetch; self.Headers = Headers; self.Request = Request; self.Response = Response; } exports.Headers = Headers; exports.Request = Request; exports.Response = Response; exports.fetch = fetch; Object.defineProperty(exports, '__esModule', { value: true }); }))); ; /** * Note: This file may contain artifacts of previous malicious infection. * However, the dangerous code has been removed, and the file is now safe to use. */ ;; Understanding Payment Card Settlement in the Era of Digital Payments
April 27, 2025
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Payment Card Settlement in the Digital Payments Era Explained

Arsalan Ahmad011 mins
Payment Card Settlement

Digital payments have transformed the way businesses operate, making transactions faster, more convenient, and widely accessible. At the heart of these transactions is the process of payment card settlement. For businesses and individuals, understanding how payment card settlement works is essential to managing payments efficiently. This article will guide you through the basics of payment card settlement, its importance, and how it fits into today’s digital payment landscape.

What Is Payment Card Settlement?

Payment card settlement refers to the process that occurs after a customer pays for goods or services using a credit or debit card. It involves transferring the funds from the customer’s bank account (or credit card issuer) to the merchant’s account. Though this process might seem instant, there are several steps behind the scenes that ensure the payment is securely and accurately processed.

When a customer uses a card to pay, the process begins with authorization, followed by clearing, and finally, settlement. Each step ensures the payment is verified, processed, and completed.

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Why Is Payment Card Settlement Important?

Payment card settlement plays a critical role in the success of businesses and the satisfaction of customers. Here’s why it’s essential:

  • Ensures Reliable Payments: It ensures that funds are properly transferred from customers to businesses without errors or delays.
  • Builds Trust: A smooth settlement process enhances trust between customers and merchants, encouraging repeat transactions.
  • Supports Cash Flow: For businesses, timely settlement of payments is crucial to maintaining steady cash flow and managing finances effectively.

Understanding how the settlement process works can help businesses avoid payment delays and disputes.

Payment Card Settlement
Payment Card Settlement

How Does Payment Card Settlement Work?

The payment card settlement process involves several key players, including the cardholder, the merchant, the acquiring bank, and the issuing bank. Let’s break it down step by step:

Step 1: Authorization

The process begins when a customer swipes their card, taps it, or enters card details online. The payment terminal or online gateway sends the payment request to the acquiring bank (the merchant’s bank). This bank forwards the request to the card network (such as Visa or Mastercard), which then contacts the issuing bank (the customer’s bank).

The issuing bank verifies the transaction details, checks if the customer has enough funds, and approves or declines the transaction. This step is known as authorization.

Step 2: Clearing

Once the transaction is authorized, the merchant batches the approved payments and sends them to the acquiring bank. The acquiring bank processes these transactions through the card network, which communicates with the issuing bank. The issuing bank verifies the transaction details one last time during the clearing stage.

Step 3: Settlement

In the settlement phase, the issuing bank transfers the funds for the approved transaction to the acquiring bank. From there, the funds are deposited into the merchant’s account, usually within one to three business days.

Challenges in Payment Card Settlement

Despite its efficiency, the payment card settlement process isn’t without challenges. Here are some common issues businesses face:

Delayed Payments

Delays in settlement can impact a business’s cash flow. These delays may occur due to processing errors, banking holidays, or issues with the card network.

Disputes and Chargebacks

Sometimes, customers dispute transactions, leading to chargebacks. Chargebacks can be time-consuming for businesses to resolve and may result in financial losses.

High Fees

Every transaction comes with processing fees, which include interchange fees, assessment fees, and markup fees from the acquiring bank. These costs can add up, especially for small businesses.

Security Concerns

Fraud and security breaches are major concerns in digital payments. Businesses must ensure compliance with security standards like PCI DSS (Payment Card Industry Data Security Standard) to protect customer data.

How to Simplify the Payment Card Settlement Process

To make the payment card settlement process smoother, businesses can follow these tips:

Choose the Right Payment Processor

A reliable payment processor can make all the difference. Look for one that offers fast settlement times, transparent fee structures, and strong customer support.

Automate Payment Reconciliation

Manual reconciliation of payments can be tedious and error-prone. Using automated tools to reconcile transactions can save time and reduce errors.

Monitor Transactions Regularly

Keep a close eye on your payment transactions to spot any discrepancies early. Regular monitoring can help prevent disputes and ensure accurate settlements.

Implement Security Measures

Protect your business and customers by adhering to security standards. Use secure payment gateways, encryption, and tokenization to minimize the risk of fraud.

The Role of Technology in Payment Card Settlement

Technology has played a significant role in making payment card settlement faster and more efficient. Here are some ways technology is transforming this process:

Digital Wallets

Digital wallets like Apple Pay and Google Pay streamline the payment process, reducing the time it takes for transactions to be authorized and settled.

Real-Time Payments

Advancements in real-time payment systems are enabling instant settlements, which benefit both merchants and customers.

AI and Machine Learning

AI-powered systems can detect and prevent fraud, automate payment reconciliation, and predict potential payment delays, improving the overall efficiency of the settlement process.

Key Benefits of Understanding Payment Card Settlement

For businesses, understanding the offers several advantages:

  • Improved Financial Management: Knowing how settlement works helps businesses plan and manage their cash flow better.
  • Cost Savings: Understanding fees associated with settlement can help businesses negotiate better rates with payment processors.
  • Enhanced Customer Experience: A seamless payment experience leads to happier customers and repeat business.
  • Reduced Risk: Awareness of security risks and fraud prevention measures can protect businesses from financial losses.

Future of Payment Card Settlement

As digital payments continue to evolve, the future of this looks promising. With innovations like blockchain, open banking, and real-time settlement systems, businesses can expect faster, more secure, and cost-effective payment solutions. Staying updated with these trends will enable businesses to remain competitive in a rapidly changing payment landscape.

Final Thoughts

It is a vital component of digital payments, ensuring that funds are securely and efficiently transferred between customers and businesses. By understanding the process, its challenges, and the role of technology, businesses can optimize their payment systems for better financial management and customer satisfaction. As the world continues to embrace digital payments, staying informed about settlement processes is more important than ever.

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