> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.runpayments.io/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.runpayments.io/_mcp/server.

### Card On File (COF) - Required for Stored Credentials

**Action Required**: If you store customer payment information for recurring billing or future use, you must now include COF parameters in your charge requests.

- [Card On File Guide](/docs/guides/payments/card-on-file)
- **New Required Parameters**:cl
  - `cof`: Set to `"C"` (customer present) or `"M"` (merchant-initiated)
  - `cof_sched`: Set to `"Y"` (scheduled recurring) or `"N"` (one-time/unscheduled)
  - `cof_perm`: Optional, set to `"Y"` if customer gave explicit permission
- **When to Use**: Any transaction using saved payment methods, subscriptions, or recurring billing
- **Non-compliance Risk**: Transaction declines and potential penalties

### ACH Account Validation

**New Feature**: Real-time validation of bank account information during tokenization (iStream gateway).

- [ACH Validation Guide](/docs/guides/payments/ach-validation)
- **What's New**: Runner.js tokenization responses now include `risk_info` object with validation results
- **Decision Codes**: `A` (Accept), `W` (Warning), `D` (Decline)
- **Action**: Check `risk_info.decision` before processing ACH transactions

### Hosted Payment Pages - Edit Endpoint

**New API Endpoint**: Edit existing hosted payment pages without recreating them.

- **PUT `/api/v1/hpp/{hpp_client_id}`**: Update HPP properties dynamically
- **Use Cases**: Modify amounts, lock settings, customer information, or optional fields
- **Note**: Merchant ID (`cc_mid`) cannot be changed after creation

### Runner.js - Complete Integration Examples

**Documentation Enhancement**: Added full copy-paste examples for each gateway.

- **New Gateway Examples**:
  - Cardpointe: Complete implementation with charge processing
  - Cybersource: Custom field selectors and styling
  - Payroc: Full validation and error handling
  - ACH (iStream/Fiserv): Bank account tokenization with validation
- **What's Included**: HTML forms, initialization code, tokenization workflow, and backend integration

### API Updates

- **order_id Parameter**: Now auto-generated if not provided (previously required)
- **Swagger Spec**: Improved formatting and consistency across all endpoints