From 37c837e5026bd6c1f68d1c134fc427c763a244a0 Mon Sep 17 00:00:00 2001
From: Lulu <anlulu.dev@yahoo.com>
Date: Sat, 12 Sep 2026 02:43:10 -0700
Subject: [PATCH] refactor(api): extract payment CORE to support other payment
 providers [1/2] (#2335)

## Why

Stripe checkout used Stripe-only tables. This extracts a shared payment
CORE. New checkout writes `payment_order`. Old Stripe tables stay so
in-progress Sessions can still settle.

This PR is [1/2]. [#2368](https://github.com/moeru-ai/airi/pull/2368) is
[2/2]. That PR archives leftover Stripe tables after in-progress
Sessions finish or expire.

## Changes

- Add `payment_order` and `provider_account`.
- Copy `stripe_checkout_session` into `payment_order`.
- Copy `stripe_customer` into `provider_account`.
- Keep `stripe_*` tables and `user_flux.stripe_customer_id`.
- New checkout writes `payment_order` and stores
`metadata.payment_order_id`.
- Webhook resolves new Sessions by `metadata.payment_order_id`.
- Webhook resolves older Sessions by `provider_order_id`, then by a
leftover `stripe_checkout_session` row.
- That leftover-row lookup covers Sessions opened before this deploy,
and rows written while 0023 runs.
[#2368](https://github.com/moeru-ai/airi/pull/2368) deletes it after
those Sessions finish or expire.

## Test plan

- [x] `pnpm exec vitest run
server/apps/api/src/services/domain/payment/tests/payment.test.ts
server/apps/api/src/routes/stripe`
- [x] `pnpm -F @proj-airi/api-server typecheck`
- [x] `git diff --check`

## Visual changes

No user-visible changes.

## Open: settle after account deletion

Account deletion stamps `payment_order.deletedAt`. A Checkout Session
that is still open can still pay after that stamp. This PR keeps `main`
behavior. `settle` loads the row by id, including a soft-deleted row,
then marks it `paid` and credits Flux.

Follow-up policy: if `deletedAt` is set, skip. Do not update the archive
row. Do not credit Flux. Do not insert a live `provider_account`. Stripe
remains the payment record. Skip matches the soft-delete rule: a deleted
row is gone, not write it again.

Co-authored-by: Cursor <cursoragent@cursor.com>
Co-authored-by: RainbowBird <git@luoling.moe>
---
 .../stage-pages/src/pages/settings/flux.vue   |   26 +-
 server/apps/api/README.md                     |    9 +
 .../apps/api/drizzle/0023_payment_order.sql   |  113 +
 .../apps/api/drizzle/meta/0023_snapshot.json  | 3795 +++++++++++++++++
 server/apps/api/drizzle/meta/_journal.json    |    9 +-
 server/apps/api/src/app.test.ts               |    3 +-
 server/apps/api/src/app.ts                    |   85 +-
 server/apps/api/src/otel/index.ts             |   12 -
 server/apps/api/src/routes/flux/route.test.ts |    1 -
 .../api/src/routes/openai/v1/route.test.ts    |    3 -
 .../api/src/routes/stripe/checkout.test.ts    |  292 ++
 server/apps/api/src/routes/stripe/claim.ts    |   49 +
 server/apps/api/src/routes/stripe/index.ts    |  117 +-
 .../src/routes/stripe/operations/checkout.ts  |  193 +-
 .../src/routes/stripe/operations/webhook.ts   |  436 +-
 .../src/routes/stripe/payment-release.test.ts |  120 +
 .../src/routes/stripe/price-catalog.test.ts   |   78 +
 .../api/src/routes/stripe/price-catalog.ts    |  191 +-
 .../apps/api/src/routes/stripe/route.test.ts  |  768 +---
 server/apps/api/src/routes/stripe/schema.ts   |   24 +-
 server/apps/api/src/schemas/flux.ts           |    2 +
 server/apps/api/src/schemas/index.ts          |    1 +
 server/apps/api/src/schemas/payment.ts        |   55 +
 server/apps/api/src/schemas/stripe.ts         |   83 +-
 .../adapters/config-kv/definitions.ts         |   35 +-
 .../services/adapters/config-kv/index.test.ts |   46 +-
 .../domain/billing/billing-service.ts         |  187 +-
 .../billing/tests/billing-service.test.ts     |   78 -
 .../apps/api/src/services/domain/flux.test.ts |    7 -
 server/apps/api/src/services/domain/flux.ts   |   15 -
 .../api/src/services/domain/payment/index.ts  |  290 ++
 .../domain/payment/tests/payment.test.ts      |  259 ++
 .../api/src/services/domain/payment/types.ts  |   48 +
 .../api/src/services/domain/stripe.test.ts    |  468 --
 server/apps/api/src/services/domain/stripe.ts |  212 -
 server/apps/api/src/utils/format-price.ts     |   20 +
 server/apps/api/src/utils/observability.ts    |    2 -
 37 files changed, 5843 insertions(+), 2289 deletions(-)
 create mode 100644 server/apps/api/drizzle/0023_payment_order.sql
 create mode 100644 server/apps/api/drizzle/meta/0023_snapshot.json
 create mode 100644 server/apps/api/src/routes/stripe/checkout.test.ts
 create mode 100644 server/apps/api/src/routes/stripe/claim.ts
 create mode 100644 server/apps/api/src/routes/stripe/payment-release.test.ts
 create mode 100644 server/apps/api/src/routes/stripe/price-catalog.test.ts
 create mode 100644 server/apps/api/src/schemas/payment.ts
 create mode 100644 server/apps/api/src/services/domain/payment/index.ts
 create mode 100644 server/apps/api/src/services/domain/payment/tests/payment.test.ts
 create mode 100644 server/apps/api/src/services/domain/payment/types.ts
 delete mode 100644 server/apps/api/src/services/domain/stripe.test.ts
 delete mode 100644 server/apps/api/src/services/domain/stripe.ts
 create mode 100644 server/apps/api/src/utils/format-price.ts

diff --git a/packages/stage-pages/src/pages/settings/flux.vue b/packages/stage-pages/src/pages/settings/flux.vue
index ac3c5b7bc..8c9a83a3c 100644
--- a/packages/stage-pages/src/pages/settings/flux.vue
+++ b/packages/stage-pages/src/pages/settings/flux.vue
@@ -36,14 +36,14 @@ if (isStageTamagotchi())
   useEventListener(window, 'focus', () => authStore.updateCredits())
 
 interface FluxPackage {
-  stripePriceId: string
+  packKey: string
   label: string
   defaultCurrency: string
   currencies: Record<string, string>
   recommended?: boolean
 }
 
-const loadingPriceId = ref<string | null>(null)
+const loadingPackKey = ref<string | null>(null)
 const message = ref<{ type: 'success' | 'error', text: string } | null>(null)
 const checkoutReturnMessageActive = ref(false)
 const packages = ref<FluxPackage[]>([])
@@ -304,8 +304,8 @@ onMounted(async () => {
   }
 })
 
-async function handleBuy(stripePriceId: string) {
-  loadingPriceId.value = stripePriceId
+async function handleBuy(packKey: string) {
+  loadingPackKey.value = packKey
   checkoutReturnMessageActive.value = false
   message.value = null
   // OpenPanel funnel step 2: user picked a plan. price_minor_unit lives on
@@ -317,12 +317,12 @@ async function handleBuy(stripePriceId: string) {
     current_plan: 'flux',
     trigger: 'manual_topup',
   })
-  trackPlanSelected(stripePriceId, {
+  trackPlanSelected(packKey, {
     currency: selectedCurrency.value,
     entry_surface: 'settings_flux',
   })
   try {
-    const res = await client.api.v1.stripe.checkout.$post({ json: { stripePriceId, currency: selectedCurrency.value } })
+    const res = await client.api.v1.stripe.checkout.$post({ json: { packKey, currency: selectedCurrency.value } })
     if (!res.ok) {
       const data = await res.json() as { error?: string, message?: string }
       message.value = { type: 'error', text: data.message || t('settings.pages.flux.checkout.error') }
@@ -332,7 +332,7 @@ async function handleBuy(stripePriceId: string) {
     if (data.url) {
       // Start capture before redirecting to Stripe so fetch keepalive can
       // finish delivery after the page unloads.
-      trackCheckoutStarted(stripePriceId, {
+      trackCheckoutStarted(packKey, {
         currency: selectedCurrency.value,
         entry_surface: 'settings_flux',
       })
@@ -350,7 +350,7 @@ async function handleBuy(stripePriceId: string) {
     message.value = { type: 'error', text: t('settings.pages.flux.checkout.error') }
   }
   finally {
-    loadingPriceId.value = null
+    loadingPackKey.value = null
   }
 }
 </script>
@@ -401,8 +401,8 @@ async function handleBuy(stripePriceId: string) {
 
       <div grid="~ cols-1 sm:cols-3 gap-4">
         <button
-          v-for="(pkg, index) in packages" :key="pkg.stripePriceId"
-          :disabled="loadingPriceId !== null"
+          v-for="(pkg, index) in packages" :key="pkg.packKey"
+          :disabled="loadingPackKey !== null"
           :class="[
             'group relative flex flex-row sm:flex-col items-center justify-between sm:justify-center overflow-hidden text-left sm:text-center gap-4 sm:gap-2',
             'rounded-2xl border-2 bg-white p-6 transition-all duration-300 ease-out',
@@ -410,9 +410,9 @@ async function handleBuy(stripePriceId: string) {
             'dark:bg-neutral-900',
             'hover:-translate-y-1 hover:border-primary-400 hover:shadow-md dark:hover:border-primary-500',
             'focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-primary-500',
-            loadingPriceId !== null && loadingPriceId !== pkg.stripePriceId ? 'opacity-50 grayscale-50 cursor-not-allowed' : 'cursor-pointer',
+            loadingPackKey !== null && loadingPackKey !== pkg.packKey ? 'opacity-50 grayscale-50 cursor-not-allowed' : 'cursor-pointer',
           ]"
-          @click="handleBuy(pkg.stripePriceId)"
+          @click="handleBuy(pkg.packKey)"
         >
           <!-- Recommended Badge -->
           <div
@@ -425,7 +425,7 @@ async function handleBuy(stripePriceId: string) {
 
           <!-- Loading Overlay -->
           <div
-            v-if="loadingPriceId === pkg.stripePriceId"
+            v-if="loadingPackKey === pkg.packKey"
             class="absolute inset-0 z-10 flex items-center justify-center bg-white/60 backdrop-blur-sm dark:bg-neutral-900/60"
           >
             <div class="i-svg-spinners:90-ring-with-bg size-8 text-primary-500" />
diff --git a/server/apps/api/README.md b/server/apps/api/README.md
index b9967202a..88c95fe95 100644
--- a/server/apps/api/README.md
+++ b/server/apps/api/README.md
@@ -12,6 +12,15 @@ auth/OIDC routes.
 - Redis cache, configuration KV, and cross-instance Pub/Sub.
 - Local verification of Auth-issued OIDC JWTs through public JWKS.
 
+## Payment
+
+`src/services/domain/payment` owns pack grant and `payment_order` rows.
+CORE exposes `openPending`, `bindProcessorOrder`, `abandon`, `settle`,
+and `deleteAllForUser`. Checkout and package list live in the Stripe
+adapter on `/api/v1/stripe/*`. CORE never sees a raw processor event.
+The adapter maps the processor result onto a `ClaimReceipt`, then calls
+`settle`.
+
 ## Run locally
 
 ```sh
diff --git a/server/apps/api/drizzle/0023_payment_order.sql b/server/apps/api/drizzle/0023_payment_order.sql
new file mode 100644
index 000000000..5d7978b4a
--- /dev/null
+++ b/server/apps/api/drizzle/0023_payment_order.sql
@@ -0,0 +1,113 @@
+CREATE TABLE "payment_order" (
+	"id" text PRIMARY KEY NOT NULL,
+	"user_id" text NOT NULL,
+	"processor" text NOT NULL,
+	"processor_order_id" text,
+	"status" text NOT NULL,
+	"amount" integer,
+	"currency" text,
+	"pack_key" text,
+	"flux_amount" bigint,
+	"credited_at" timestamp,
+	"processor_data" jsonb,
+	"created_at" timestamp DEFAULT now() NOT NULL,
+	"updated_at" timestamp DEFAULT now() NOT NULL,
+	"deleted_at" timestamp
+);
+--> statement-breakpoint
+CREATE TABLE "payment_customer" (
+	"id" text PRIMARY KEY NOT NULL,
+	"user_id" text NOT NULL,
+	"processor" text NOT NULL,
+	"customer_id" text NOT NULL,
+	"created_at" timestamp DEFAULT now() NOT NULL,
+	"updated_at" timestamp DEFAULT now() NOT NULL,
+	"deleted_at" timestamp
+);
+--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_order_processor_order_uidx" ON "payment_order" USING btree ("processor","processor_order_id") WHERE processor_order_id IS NOT NULL;--> statement-breakpoint
+CREATE INDEX "payment_order_user_id_idx" ON "payment_order" USING btree ("user_id");--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_customer_processor_customer_uidx" ON "payment_customer" USING btree ("processor","customer_id") WHERE deleted_at IS NULL;--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_customer_processor_user_uidx" ON "payment_customer" USING btree ("processor","user_id") WHERE deleted_at IS NULL;--> statement-breakpoint
+CREATE INDEX "payment_customer_user_id_idx" ON "payment_customer" USING btree ("user_id");--> statement-breakpoint
+-- Keep stripe_* tables and user_flux.stripe_customer_id.
+-- The previous process still uses them while this migration runs.
+-- stripe_customer allowed several live rows per user. Copy the oldest live row and all deleted rows.
+INSERT INTO "payment_customer" ("id", "user_id", "processor", "customer_id", "created_at", "updated_at", "deleted_at")
+SELECT "id", "user_id", 'stripe', "stripe_customer_id", "created_at", "updated_at", "deleted_at"
+FROM "stripe_customer"
+WHERE "deleted_at" IS NOT NULL
+UNION ALL
+SELECT "id", "user_id", 'stripe', "stripe_customer_id", "created_at", "updated_at", "deleted_at"
+FROM (
+	SELECT DISTINCT ON ("user_id") *
+	FROM "stripe_customer"
+	WHERE "deleted_at" IS NULL
+	ORDER BY "user_id", "created_at" ASC, "id" ASC
+) live;--> statement-breakpoint
+-- Copy checkout sessions so webhook retries can find them by Stripe session id.
+-- flux_credited rows become paid so settle does not credit Flux again.
+-- Old ledger request_id is the Stripe event id, not payment_order.id.
+INSERT INTO "payment_order" (
+	"id",
+	"user_id",
+	"processor",
+	"processor_order_id",
+	"status",
+	"amount",
+	"currency",
+	"pack_key",
+	"flux_amount",
+	"credited_at",
+	"processor_data",
+	"created_at",
+	"updated_at",
+	"deleted_at"
+)
+SELECT
+	"id",
+	"user_id",
+	'stripe',
+	"stripe_session_id",
+	CASE
+		WHEN "flux_credited" THEN 'paid'
+		WHEN "status" = 'expired' THEN 'expired'
+		ELSE 'pending'
+	END,
+	"amount_total",
+	"currency",
+	CASE
+		WHEN "metadata" IS NOT NULL AND btrim("metadata") LIKE '{%' THEN "metadata"::jsonb->>'packKey'
+		ELSE NULL
+	END,
+	CASE
+		WHEN "metadata" IS NOT NULL AND btrim("metadata") LIKE '{%' AND ("metadata"::jsonb->>'fluxAmount') ~ '^-?[0-9]+$'
+			THEN ("metadata"::jsonb->>'fluxAmount')::bigint
+		ELSE NULL
+	END,
+	CASE
+		WHEN "flux_credited" THEN "updated_at"
+		ELSE NULL
+	END,
+	jsonb_strip_nulls(jsonb_build_object(
+		'stripeSessionId', "stripe_session_id",
+		'stripeCustomerId', "stripe_customer_id",
+		'mode', "mode",
+		'status', "status",
+		'paymentStatus', "payment_status",
+		'successUrl', "success_url",
+		'cancelUrl', "cancel_url",
+		'stripePaymentIntentId', "stripe_payment_intent_id",
+		'stripeSubscriptionId', "stripe_subscription_id",
+		'expiresAt', "expires_at",
+		'fluxCredited', "flux_credited",
+		'metadata', CASE
+			WHEN "metadata" IS NOT NULL AND btrim("metadata") LIKE '{%' THEN "metadata"::jsonb
+			WHEN "metadata" IS NOT NULL THEN to_jsonb("metadata")
+			ELSE NULL
+		END
+	)),
+	"created_at",
+	"updated_at",
+	"deleted_at"
+FROM "stripe_checkout_session";
diff --git a/server/apps/api/drizzle/meta/0023_snapshot.json b/server/apps/api/drizzle/meta/0023_snapshot.json
new file mode 100644
index 000000000..9a931d6a1
--- /dev/null
+++ b/server/apps/api/drizzle/meta/0023_snapshot.json
@@ -0,0 +1,3795 @@
+{
+  "id": "890c8cab-deeb-4069-804b-1d992e092d99",
+  "prevId": "6043d3c0-26ec-45d8-ab06-33142316efbc",
+  "version": "7",
+  "dialect": "postgresql",
+  "tables": {
+    "public.avatar_model": {
+      "name": "avatar_model",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "type": {
+          "name": "type",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "description": {
+          "name": "description",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "config": {
+          "name": "config",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "avatar_model_character_id_characters_id_fk": {
+          "name": "avatar_model_character_id_characters_id_fk",
+          "tableFrom": "avatar_model",
+          "tableTo": "characters",
+          "columnsFrom": [
+            "character_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.characters": {
+      "name": "characters",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "version": {
+          "name": "version",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "cover_url": {
+          "name": "cover_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "creator_id": {
+          "name": "creator_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "owner_id": {
+          "name": "owner_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "avatar_url": {
+          "name": "avatar_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "creator_role": {
+          "name": "creator_role",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "price_credit": {
+          "name": "price_credit",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'0'"
+        },
+        "likes_count": {
+          "name": "likes_count",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 0
+        },
+        "bookmarks_count": {
+          "name": "bookmarks_count",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 0
+        },
+        "interactions_count": {
+          "name": "interactions_count",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 0
+        },
+        "forks_count": {
+          "name": "forks_count",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 0
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.character_capabilities": {
+      "name": "character_capabilities",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "type": {
+          "name": "type",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "config": {
+          "name": "config",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": true
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "character_capabilities_character_id_characters_id_fk": {
+          "name": "character_capabilities_character_id_characters_id_fk",
+          "tableFrom": "character_capabilities",
+          "tableTo": "characters",
+          "columnsFrom": [
+            "character_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.character_covers": {
+      "name": "character_covers",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "foreground_url": {
+          "name": "foreground_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "background_url": {
+          "name": "background_url",
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+          "tableTo": "capability_aliases",
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+    "public.provider_catalog_tts_models": {
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+        "created_at": {
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+          "default": "now()"
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+          "default": "now()"
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+      "columns": {
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+        },
+        "provider_voice_id": {
+          "name": "provider_voice_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "display_name": {
+          "name": "display_name",
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+        "display_order": {
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+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 0
+        },
+        "languages": {
+          "name": "languages",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'[]'::jsonb"
+        },
+        "labels": {
+          "name": "labels",
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+          "primaryKey": false,
+          "notNull": true,
+          "default": "'{}'::jsonb"
+        },
+        "preview_audio_url": {
+          "name": "preview_audio_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "source": {
+          "name": "source",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'provider-sync'"
+        },
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+          "type": "timestamp",
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+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
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+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
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+          "primaryKey": false,
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+          "default": "now()"
+        }
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+              "expression": "tts_model_id",
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+              "nulls": "last"
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+          "method": "btree",
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+        }
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+          "tableFrom": "provider_catalog_tts_voices",
+          "tableTo": "provider_catalog_tts_models",
+          "columnsFrom": [
+            "tts_model_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
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+          "onUpdate": "no action"
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+      },
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+      "isRLSEnabled": false
+    },
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+      "columns": {
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+          "name": "id",
+          "type": "text",
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+        },
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+          "notNull": true
+        },
+        "name": {
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+          "default": "now()"
+        },
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+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
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+          "notNull": false
+        }
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+      "checkConstraints": {},
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+    },
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+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "owner_id": {
+          "name": "owner_id",
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+          "primaryKey": false,
+          "notNull": true
+        },
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+          "notNull": true
+        },
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+        },
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+          "default": "'{}'::jsonb"
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+          "notNull": true,
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+          "notNull": true,
+          "default": false
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+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
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+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
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+        }
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+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.stripe_checkout_session": {
+      "name": "stripe_checkout_session",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
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+          "notNull": true
+        },
+        "stripe_session_id": {
+          "name": "stripe_session_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "stripe_customer_id": {
+          "name": "stripe_customer_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "mode": {
+          "name": "mode",
+          "type": "text",
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+          "notNull": true
+        },
+        "status": {
+          "name": "status",
+          "type": "text",
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+        },
+        "payment_status": {
+          "name": "payment_status",
+          "type": "text",
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+          "notNull": false
+        },
+        "amount_total": {
+          "name": "amount_total",
+          "type": "integer",
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+          "notNull": false
+        },
+        "currency": {
+          "name": "currency",
+          "type": "text",
+          "primaryKey": false,
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+        },
+        "success_url": {
+          "name": "success_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "cancel_url": {
+          "name": "cancel_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "stripe_payment_intent_id": {
+          "name": "stripe_payment_intent_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "stripe_subscription_id": {
+          "name": "stripe_subscription_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
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+          "name": "flux_credited",
+          "type": "boolean",
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+          "notNull": true,
+          "default": false
+        },
+        "metadata": {
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+          "type": "text",
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+          "notNull": false
+        },
+        "expires_at": {
+          "name": "expires_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
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+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
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+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
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+        }
+      },
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+      "uniqueConstraints": {
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+          "name": "stripe_checkout_session_stripe_session_id_unique",
+          "nullsNotDistinct": false,
+          "columns": [
+            "stripe_session_id"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.stripe_customer": {
+      "name": "stripe_customer",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "stripe_customer_id": {
+          "name": "stripe_customer_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "email": {
+          "name": "email",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "name": {
+          "name": "name",
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+        },
+        "created_at": {
+          "name": "created_at",
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+          "default": "now()"
+        },
+        "updated_at": {
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+          "default": "now()"
+        },
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+          "name": "deleted_at",
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+        }
+      },
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+        "stripe_customer_stripe_customer_id_unique": {
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+          "columns": [
+            "stripe_customer_id"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.stripe_invoice": {
+      "name": "stripe_invoice",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
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+          "notNull": true
+        },
+        "stripe_invoice_id": {
+          "name": "stripe_invoice_id",
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+          "notNull": true
+        },
+        "stripe_customer_id": {
+          "name": "stripe_customer_id",
+          "type": "text",
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+          "notNull": false
+        },
+        "stripe_subscription_id": {
+          "name": "stripe_subscription_id",
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+        },
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+          "name": "status",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "amount_due": {
+          "name": "amount_due",
+          "type": "integer",
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+          "notNull": false
+        },
+        "amount_paid": {
+          "name": "amount_paid",
+          "type": "integer",
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+        },
+        "currency": {
+          "name": "currency",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "invoice_url": {
+          "name": "invoice_url",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "invoice_pdf": {
+          "name": "invoice_pdf",
+          "type": "text",
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+          "notNull": false
+        },
+        "period_start": {
+          "name": "period_start",
+          "type": "timestamp",
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+          "notNull": false
+        },
+        "period_end": {
+          "name": "period_end",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
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+          "name": "paid_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "flux_credited": {
+          "name": "flux_credited",
+          "type": "boolean",
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+          "notNull": true,
+          "default": false
+        },
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+          "type": "text",
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+          "notNull": false
+        },
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+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
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+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
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+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {
+        "stripe_invoice_stripe_invoice_id_unique": {
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+          "nullsNotDistinct": false,
+          "columns": [
+            "stripe_invoice_id"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.stripe_subscription": {
+      "name": "stripe_subscription",
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+          "name": "id",
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+          "primaryKey": true,
+          "notNull": true
+        },
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+          "notNull": true
+        },
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+        },
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+        },
+        "stripe_price_id": {
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+          "notNull": false
+        },
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+          "name": "status",
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+          "type": "timestamp",
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+        },
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+          "name": "current_period_end",
+          "type": "timestamp",
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+          "notNull": false
+        },
+        "cancel_at_period_end": {
+          "name": "cancel_at_period_end",
+          "type": "boolean",
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+          "notNull": false
+        },
+        "canceled_at": {
+          "name": "canceled_at",
+          "type": "timestamp",
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+          "notNull": false
+        },
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+          "name": "ended_at",
+          "type": "timestamp",
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+        },
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+        },
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+          "notNull": true,
+          "default": "now()"
+        },
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+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
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+          "notNull": false
+        }
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+      "foreignKeys": {},
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+          "columns": [
+            "stripe_subscription_id"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.user_character_bookmarks": {
+      "name": "user_character_bookmarks",
+      "schema": "",
+      "columns": {
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "created_at": {
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+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
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+          "notNull": false
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
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+          "name": "user_character_bookmarks_character_id_characters_id_fk",
+          "tableFrom": "user_character_bookmarks",
+          "tableTo": "characters",
+          "columnsFrom": [
+            "character_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {
+        "user_character_bookmarks_user_id_character_id_pk": {
+          "name": "user_character_bookmarks_user_id_character_id_pk",
+          "columns": [
+            "user_id",
+            "character_id"
+          ]
+        }
+      },
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.user_character_likes": {
+      "name": "user_character_likes",
+      "schema": "",
+      "columns": {
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "character_id": {
+          "name": "character_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
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+      "indexes": {},
+      "foreignKeys": {
+        "user_character_likes_character_id_characters_id_fk": {
+          "name": "user_character_likes_character_id_characters_id_fk",
+          "tableFrom": "user_character_likes",
+          "tableTo": "characters",
+          "columnsFrom": [
+            "character_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
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+      },
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+          "columns": [
+            "user_id",
+            "character_id"
+          ]
+        }
+      },
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.voice_packs": {
+      "name": "voice_packs",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "description": {
+          "name": "description",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "provider": {
+          "name": "provider",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "model": {
+          "name": "model",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "voice_id": {
+          "name": "voice_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "upstream_voice_id": {
+          "name": "upstream_voice_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "tts_model_id": {
+          "name": "tts_model_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "params": {
+          "name": "params",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'{}'::jsonb"
+        },
+        "cost_multiplier": {
+          "name": "cost_multiplier",
+          "type": "real",
+          "primaryKey": false,
+          "notNull": true,
+          "default": 1
+        },
+        "enabled": {
+          "name": "enabled",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
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+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.account": {
+      "name": "account",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "account_id": {
+          "name": "account_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "provider_id": {
+          "name": "provider_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "access_token": {
+          "name": "access_token",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "refresh_token": {
+          "name": "refresh_token",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "id_token": {
+          "name": "id_token",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "access_token_expires_at": {
+          "name": "access_token_expires_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "refresh_token_expires_at": {
+          "name": "refresh_token_expires_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "scope": {
+          "name": "scope",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "password": {
+          "name": "password",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true
+        }
+      },
+      "indexes": {
+        "account_userId_idx": {
+          "name": "account_userId_idx",
+          "columns": [
+            {
+              "expression": "user_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "account_account_id_provider_id_idx": {
+          "name": "account_account_id_provider_id_idx",
+          "columns": [
+            {
+              "expression": "account_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "provider_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {
+        "account_user_id_user_id_fk": {
+          "name": "account_user_id_user_id_fk",
+          "tableFrom": "account",
+          "tableTo": "user",
+          "columnsFrom": [
+            "user_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.jwks": {
+      "name": "jwks",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "public_key": {
+          "name": "public_key",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "private_key": {
+          "name": "private_key",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "expires_at": {
+          "name": "expires_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.oauth_access_token": {
+      "name": "oauth_access_token",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "token": {
+          "name": "token",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "client_id": {
+          "name": "client_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "session_id": {
+          "name": "session_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "reference_id": {
+          "name": "reference_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "refresh_id": {
+          "name": "refresh_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "expires_at": {
+          "name": "expires_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "scopes": {
+          "name": "scopes",
+          "type": "text[]",
+          "primaryKey": false,
+          "notNull": true
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "oauth_access_token_client_id_oauth_client_client_id_fk": {
+          "name": "oauth_access_token_client_id_oauth_client_client_id_fk",
+          "tableFrom": "oauth_access_token",
+          "tableTo": "oauth_client",
+          "columnsFrom": [
+            "client_id"
+          ],
+          "columnsTo": [
+            "client_id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        },
+        "oauth_access_token_session_id_session_id_fk": {
+          "name": "oauth_access_token_session_id_session_id_fk",
+          "tableFrom": "oauth_access_token",
+          "tableTo": "session",
+          "columnsFrom": [
+            "session_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "set null",
+          "onUpdate": "no action"
+        },
+        "oauth_access_token_user_id_user_id_fk": {
+          "name": "oauth_access_token_user_id_user_id_fk",
+          "tableFrom": "oauth_access_token",
+          "tableTo": "user",
+          "columnsFrom": [
+            "user_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        },
+        "oauth_access_token_refresh_id_oauth_refresh_token_id_fk": {
+          "name": "oauth_access_token_refresh_id_oauth_refresh_token_id_fk",
+          "tableFrom": "oauth_access_token",
+          "tableTo": "oauth_refresh_token",
+          "columnsFrom": [
+            "refresh_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {
+        "oauth_access_token_token_unique": {
+          "name": "oauth_access_token_token_unique",
+          "nullsNotDistinct": false,
+          "columns": [
+            "token"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.oauth_client": {
+      "name": "oauth_client",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "text",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "client_id": {
+          "name": "client_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "client_secret": {
+          "name": "client_secret",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "disabled": {
+          "name": "disabled",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": false,
+          "default": false
+        },
+        "skip_consent": {
+          "name": "skip_consent",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "enable_end_session": {
+          "name": "enable_end_session",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "subject_type": {
+          "name": "subject_type",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "scopes": {
+          "name": "scopes",
+          "type": "text[]",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
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+          "name": "updated_at",
+          "type": "timestamp",
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+          "notNull": false
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+          "name": "name",
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+          "name": "icon",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
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+        "contacts": {
+          "name": "contacts",
+          "type": "text[]",
+          "primaryKey": false,
+          "notNull": false
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+          "name": "tos",
+          "type": "text",
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+          "name": "policy",
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+        "software_id": {
+          "name": "software_id",
+          "type": "text",
+          "primaryKey": false,
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+        },
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+          "name": "software_version",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
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+        "software_statement": {
+          "name": "software_statement",
+          "type": "text",
+          "primaryKey": false,
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+          "name": "redirect_uris",
+          "type": "text[]",
+          "primaryKey": false,
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+          "name": "post_logout_redirect_uris",
+          "type": "text[]",
+          "primaryKey": false,
+          "notNull": false
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+        "token_endpoint_auth_method": {
+          "name": "token_endpoint_auth_method",
+          "type": "text",
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+          "name": "grant_types",
+          "type": "text[]",
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+        "response_types": {
+          "name": "response_types",
+          "type": "text[]",
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+          "notNull": false
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+          "name": "public",
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+          "type": "boolean",
+          "primaryKey": false,
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+        "reference_id": {
+          "name": "reference_id",
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+      "checkConstraints": {},
+      "isRLSEnabled": false
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+      "name": "oauth_consent",
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+          "name": "created_at",
+          "type": "timestamp",
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+          "name": "updated_at",
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+          "tableTo": "user",
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+          "name": "id",
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+          "name": "expires_at",
+          "type": "timestamp",
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+          "name": "created_at",
+          "type": "timestamp",
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+          "name": "revoked",
+          "type": "timestamp",
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+          "name": "auth_time",
+          "type": "timestamp",
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+        "oauth_refresh_token_user_id_idx": {
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+        "oauth_refresh_token_client_id_idx": {
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+          "default": "now()"
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+          "name": "ip_address",
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+            "token"
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+          "name": "id",
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+          "name": "email",
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+        },
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+          "name": "email_verified",
+          "type": "boolean",
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+          "notNull": true,
+          "default": false
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+          "notNull": false
+        },
+        "banned": {
+          "name": "banned",
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+          "default": false
+        },
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+        },
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+          "name": "ban_expires",
+          "type": "timestamp",
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+        },
+        "last_seen_at": {
+          "name": "last_seen_at",
+          "type": "timestamp",
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+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
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+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
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+          "notNull": true,
+          "default": "now()"
+        }
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+            "email"
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+        }
+      },
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+    },
+    "public.verification": {
+      "name": "verification",
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+          "name": "id",
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+        },
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+        },
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+          "name": "value",
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+        },
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+          "name": "expires_at",
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+        },
+        "created_at": {
+          "name": "created_at",
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+          "default": "now()"
+        },
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+          "default": "now()"
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+          "name": "verification_identifier_idx",
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+      "checkConstraints": {},
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+    },
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+      "name": "payment_order",
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+          "name": "id",
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+        },
+        "processor": {
+          "name": "processor",
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+          "notNull": true
+        },
+        "processor_order_id": {
+          "name": "processor_order_id",
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+          "notNull": false
+        },
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+          "name": "status",
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+          "notNull": true
+        },
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+          "name": "amount",
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+        },
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+          "name": "currency",
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+        },
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+          "name": "pack_key",
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+        },
+        "flux_amount": {
+          "name": "flux_amount",
+          "type": "bigint",
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+        },
+        "credited_at": {
+          "name": "credited_at",
+          "type": "timestamp",
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+        },
+        "processor_data": {
+          "name": "processor_data",
+          "type": "jsonb",
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+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
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+          "notNull": true,
+          "default": "now()"
+        },
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+          "name": "updated_at",
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+          "notNull": true,
+          "default": "now()"
+        },
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+          "name": "deleted_at",
+          "type": "timestamp",
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+          "notNull": false
+        }
+      },
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+          "name": "payment_order_processor_order_uidx",
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+              "expression": "processor",
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+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "processor_order_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
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+          ],
+          "isUnique": true,
+          "where": "processor_order_id IS NOT NULL",
+          "concurrently": false,
+          "method": "btree",
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+        },
+        "payment_order_user_id_idx": {
+          "name": "payment_order_user_id_idx",
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+              "expression": "user_id",
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+        }
+      },
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+      "checkConstraints": {},
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+    },
+    "public.payment_customer": {
+      "name": "payment_customer",
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+      "columns": {
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+          "name": "id",
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+          "primaryKey": true,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
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+          "notNull": true
+        },
+        "processor": {
+          "name": "processor",
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+          "notNull": true
+        },
+        "customer_id": {
+          "name": "customer_id",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "deleted_at": {
+          "name": "deleted_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        }
+      },
+      "indexes": {
+        "payment_customer_processor_customer_uidx": {
+          "name": "payment_customer_processor_customer_uidx",
+          "columns": [
+            {
+              "expression": "processor",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "customer_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "where": "deleted_at IS NULL",
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "payment_customer_processor_user_uidx": {
+          "name": "payment_customer_processor_user_uidx",
+          "columns": [
+            {
+              "expression": "processor",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "user_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "where": "deleted_at IS NULL",
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "payment_customer_user_id_idx": {
+          "name": "payment_customer_user_id_idx",
+          "columns": [
+            {
+              "expression": "user_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    }
+  },
+  "enums": {},
+  "schemas": {},
+  "sequences": {},
+  "roles": {},
+  "policies": {},
+  "views": {},
+  "_meta": {
+    "columns": {},
+    "schemas": {},
+    "tables": {}
+  }
+}
diff --git a/server/apps/api/drizzle/meta/_journal.json b/server/apps/api/drizzle/meta/_journal.json
index fc7dc513f..a9461f01d 100644
--- a/server/apps/api/drizzle/meta/_journal.json
+++ b/server/apps/api/drizzle/meta/_journal.json
@@ -162,6 +162,13 @@
       "when": 1786957404391,
       "tag": "0022_worthless_shriek",
       "breakpoints": true
+    },
+    {
+      "idx": 23,
+      "version": "7",
+      "when": 1789035949919,
+      "tag": "0023_payment_order",
+      "breakpoints": true
     }
   ]
-}
\ No newline at end of file
+}
diff --git a/server/apps/api/src/app.test.ts b/server/apps/api/src/app.test.ts
index f63c2948a..269970a36 100644
--- a/server/apps/api/src/app.test.ts
+++ b/server/apps/api/src/app.test.ts
@@ -20,7 +20,8 @@ function createTestDeps() {
     providerService: {} as never,
     fluxService: {} as never,
     fluxTransactionService: {} as never,
-    stripeService: {} as never,
+    paymentService: {} as never,
+    stripe: null,
     billingService: {} as never,
     ttsMeter: {} as never,
     requestLogService: {} as never,
diff --git a/server/apps/api/src/app.ts b/server/apps/api/src/app.ts
index eede410a0..a6a355a8b 100644
--- a/server/apps/api/src/app.ts
+++ b/server/apps/api/src/app.ts
@@ -10,11 +10,11 @@ import type { ChatService } from './services/domain/chats'
 import type { FluxService } from './services/domain/flux'
 import type { FluxTransactionService } from './services/domain/flux-transaction'
 import type { LlmRouterService } from './services/domain/llm-router'
+import type { PaymentService } from './services/domain/payment'
 import type { ProductEventService } from './services/domain/product-events'
 import type { ProviderCatalogService } from './services/domain/provider-catalog'
 import type { ProviderService } from './services/domain/providers'
 import type { RequestLogService } from './services/domain/request-log'
-import type { StripeService } from './services/domain/stripe'
 import type { UserDeletionService } from './services/domain/user-deletion'
 import type { VoicePackService } from './services/domain/voice-packs'
 import type { HonoEnv } from './types/hono'
@@ -68,11 +68,11 @@ import { createChatService } from './services/domain/chats'
 import { createFluxService } from './services/domain/flux'
 import { createFluxTransactionService } from './services/domain/flux-transaction'
 import { createConcurrencyLedger, createConfigSyncSubscriber, createLlmRouterService } from './services/domain/llm-router'
+import { createPaymentService } from './services/domain/payment'
 import { createProductEventService } from './services/domain/product-events'
 import { createProviderCatalogService } from './services/domain/provider-catalog'
 import { createProviderService } from './services/domain/providers'
 import { createRequestLogService } from './services/domain/request-log'
-import { createStripeService } from './services/domain/stripe'
 import { createUserDeletionService } from './services/domain/user-deletion'
 import { createVoicePackService } from './services/domain/voice-packs'
 import { createEnvelopeCrypto } from './utils/envelope-crypto'
@@ -87,7 +87,8 @@ interface AppDeps {
   providerService: ProviderService
   fluxService: FluxService
   fluxTransactionService: FluxTransactionService
-  stripeService: StripeService
+  paymentService: PaymentService
+  stripe: Stripe | null
   billingService: BillingService
   ttsMeter: FluxMeter
   requestLogService: RequestLogService
@@ -397,7 +398,17 @@ export async function buildApp(deps: AppDeps) {
     /**
      * Stripe routes.
      */
-    .route('/api/v1/stripe', createStripeRoutes(deps.fluxService, deps.stripeService, deps.billingService, deps.configKV, deps.env, deps.redis, deps.otel?.revenue, deps.otel?.rateLimit, deps.productEventService))
+    .route('/api/v1/stripe', createStripeRoutes(
+      deps.paymentService,
+      deps.db,
+      deps.stripe,
+      deps.redis,
+      deps.configKV,
+      deps.env,
+      deps.otel?.revenue ?? null,
+      deps.otel?.rateLimit ?? null,
+      deps.productEventService,
+    ))
 
     /**
      * Catch-all 404 in JSON. Replaces hono's default `text/html` "404 Not
@@ -561,14 +572,12 @@ export async function createApp() {
     build: ({ dependsOn }) => createChatService(dependsOn.db, dependsOn.otel?.engagement),
   })
 
-  const stripeService = injeca.provide('services:stripe', {
-    dependsOn: { db, env: parsedEnv },
+  const stripe = injeca.provide('libs:stripe', {
+    dependsOn: { env: parsedEnv },
     build: ({ dependsOn }) => {
       // Stripe SDK is optional — when STRIPE_SECRET_KEY is unset (dev/CI)
-      // billing routes degrade gracefully and the user-deletion pipeline
-      // skips the API cancel call.
-      const stripe = dependsOn.env.STRIPE_SECRET_KEY ? new Stripe(dependsOn.env.STRIPE_SECRET_KEY) : null
-      return createStripeService(dependsOn.db, stripe)
+      // billing routes degrade gracefully.
+      return dependsOn.env.STRIPE_SECRET_KEY ? new Stripe(dependsOn.env.STRIPE_SECRET_KEY) : null
     },
   })
 
@@ -582,29 +591,6 @@ export async function createApp() {
     build: ({ dependsOn }) => createFluxService(dependsOn.db, dependsOn.redis, dependsOn.configKV),
   })
 
-  // NOTICE:
-  // The deletion service is a thin scheduler that delegates to each business
-  // service's own `deleteAllForUser` method. Adding a new business module:
-  //   1. give it a `deleteAllForUser(userId)` method
-  //   2. add one `service.register(...)` line below
-  // Domain knowledge stays inside each service instead of being copied into
-  // a parallel handler file. See `server/apps/api/docs/ai-context/account-deletion.md`.
-  const userDeletionService = injeca.provide('services:userDeletion', {
-    dependsOn: { stripeService, fluxService, providerService, characterService, chatService },
-    build: ({ dependsOn }) => {
-      const service = createUserDeletionService()
-      // priority: 10 = external side-effects (Stripe API cancel — unrollable),
-      //           20 = financial / cache state (Flux balance + Redis),
-      //           30 = pure DB soft-delete (no external touch).
-      service.register({ name: 'stripe', priority: 10, softDelete: ({ userId }) => dependsOn.stripeService.deleteAllForUser(userId) })
-      service.register({ name: 'flux', priority: 20, softDelete: ({ userId }) => dependsOn.fluxService.deleteAllForUser(userId) })
-      service.register({ name: 'providers', priority: 30, softDelete: ({ userId }) => dependsOn.providerService.deleteAllForUser(userId) })
-      service.register({ name: 'characters', priority: 30, softDelete: ({ userId }) => dependsOn.characterService.deleteAllForUser(userId) })
-      service.register({ name: 'chats', priority: 30, softDelete: ({ userId }) => dependsOn.chatService.deleteAllForUser(userId) })
-      return service
-    },
-  })
-
   const requestLogService = injeca.provide('services:requestLog', {
     dependsOn: { db },
     build: ({ dependsOn }) => createRequestLogService(dependsOn.db),
@@ -625,6 +611,33 @@ export async function createApp() {
     build: ({ dependsOn }) => createBillingService(dependsOn.db, dependsOn.redis, dependsOn.configKV, dependsOn.otel?.revenue),
   })
 
+  const paymentService = injeca.provide('services:payment', {
+    dependsOn: { db, billingService },
+    build: ({ dependsOn }) => createPaymentService(dependsOn.db, dependsOn.billingService),
+  })
+
+  // NOTICE:
+  // The deletion service is a thin scheduler that delegates to each business
+  // service's own `deleteAllForUser` method. Adding a new business module:
+  //   1. give it a `deleteAllForUser(userId)` method
+  //   2. add one `service.register(...)` line below
+  // Domain knowledge stays inside each service instead of being copied into
+  // a parallel handler file. See `server/apps/api/docs/ai-context/account-deletion.md`.
+  const userDeletionService = injeca.provide('services:userDeletion', {
+    dependsOn: { paymentService, fluxService, providerService, characterService, chatService },
+    build: ({ dependsOn }) => {
+      const service = createUserDeletionService()
+      // priority: 20 = financial / cache state (Flux balance + Redis),
+      //           30 = pure DB soft-delete (no external touch).
+      service.register({ name: 'payment', priority: 30, softDelete: ({ userId }) => dependsOn.paymentService.deleteAllForUser(userId) })
+      service.register({ name: 'flux', priority: 20, softDelete: ({ userId }) => dependsOn.fluxService.deleteAllForUser(userId) })
+      service.register({ name: 'providers', priority: 30, softDelete: ({ userId }) => dependsOn.providerService.deleteAllForUser(userId) })
+      service.register({ name: 'characters', priority: 30, softDelete: ({ userId }) => dependsOn.characterService.deleteAllForUser(userId) })
+      service.register({ name: 'chats', priority: 30, softDelete: ({ userId }) => dependsOn.chatService.deleteAllForUser(userId) })
+      return service
+    },
+  })
+
   const ttsMeter = injeca.provide('services:ttsMeter', {
     dependsOn: { redis, billingService, configKV, otel },
     build: ({ dependsOn }) => createFluxMeter(dependsOn.redis, dependsOn.billingService, {
@@ -686,7 +699,8 @@ export async function createApp() {
     requestLogService,
     voicePackService,
     productEventService,
-    stripeService,
+    paymentService,
+    stripe,
     billingService,
     ttsMeter,
     configKV,
@@ -711,7 +725,8 @@ export async function createApp() {
     providerService: resolved.providerService,
     fluxService: resolved.fluxService,
     fluxTransactionService: resolved.fluxTransactionService,
-    stripeService: resolved.stripeService,
+    paymentService: resolved.paymentService,
+    stripe: resolved.stripe,
     voicePackService: resolved.voicePackService,
     billingService: resolved.billingService,
     ttsMeter: resolved.ttsMeter,
diff --git a/server/apps/api/src/otel/index.ts b/server/apps/api/src/otel/index.ts
index b4fd78622..2e8a197e1 100644
--- a/server/apps/api/src/otel/index.ts
+++ b/server/apps/api/src/otel/index.ts
@@ -53,8 +53,6 @@ import {
   METRIC_STRIPE_CHECKOUT_COMPLETED,
   METRIC_STRIPE_CHECKOUT_CREATED,
   METRIC_STRIPE_EVENTS,
-  METRIC_STRIPE_PAYMENT_FAILED,
-  METRIC_STRIPE_SUBSCRIPTION_EVENT,
   METRIC_USER_LOGIN,
   METRIC_USER_REGISTERED,
   METRIC_WS_CONNECTIONS_ACTIVE,
@@ -112,8 +110,6 @@ export interface EngagementMetrics {
 export interface RevenueMetrics {
   stripeCheckoutCreated: Counter
   stripeCheckoutCompleted: Counter
-  stripePaymentFailed: Counter
-  stripeSubscriptionEvent: Counter
   stripeEvents: Counter
   stripeRevenue: Counter
   fluxInsufficientBalance: Counter
@@ -354,12 +350,6 @@ export function initOtel(env: Env): OtelInstance | null {
     stripeCheckoutCompleted: meter.createCounter(METRIC_STRIPE_CHECKOUT_COMPLETED, {
       description: 'Number of Stripe checkout sessions completed',
     }),
-    stripePaymentFailed: meter.createCounter(METRIC_STRIPE_PAYMENT_FAILED, {
-      description: 'Number of failed Stripe payments',
-    }),
-    stripeSubscriptionEvent: meter.createCounter(METRIC_STRIPE_SUBSCRIPTION_EVENT, {
-      description: 'Number of Stripe subscription lifecycle events',
-    }),
     stripeEvents: meter.createCounter(METRIC_STRIPE_EVENTS, {
       description: 'Number of Stripe webhook events processed',
     }),
@@ -503,8 +493,6 @@ export function initOtel(env: Env): OtelInstance | null {
     engagement.wsMessagesReceived,
     revenue.stripeCheckoutCreated,
     revenue.stripeCheckoutCompleted,
-    revenue.stripePaymentFailed,
-    revenue.stripeSubscriptionEvent,
     revenue.stripeEvents,
     revenue.stripeRevenue,
     revenue.fluxInsufficientBalance,
diff --git a/server/apps/api/src/routes/flux/route.test.ts b/server/apps/api/src/routes/flux/route.test.ts
index e1228e446..925613ce2 100644
--- a/server/apps/api/src/routes/flux/route.test.ts
+++ b/server/apps/api/src/routes/flux/route.test.ts
@@ -11,7 +11,6 @@ import { ApiError } from '../../utils/error'
 function createMockFluxService(): FluxService {
   return {
     getFlux: vi.fn(async (userId: string) => ({ userId, flux: 42 })),
-    updateStripeCustomerId: vi.fn(),
   } as any
 }
 
diff --git a/server/apps/api/src/routes/openai/v1/route.test.ts b/server/apps/api/src/routes/openai/v1/route.test.ts
index 83a003397..ce69462a5 100644
--- a/server/apps/api/src/routes/openai/v1/route.test.ts
+++ b/server/apps/api/src/routes/openai/v1/route.test.ts
@@ -23,7 +23,6 @@ import {
 function createMockFluxService(flux = 100): FluxService {
   return {
     getFlux: vi.fn(async () => ({ userId: 'user-1', flux })),
-    updateStripeCustomerId: vi.fn(),
   } as any
 }
 
@@ -40,8 +39,6 @@ function createMockBillingService(flux = 100): BillingService {
       return { userId: input.userId, flux: balance, charged, requested: input.amount }
     }),
     creditFlux: vi.fn(),
-    creditFluxFromStripeCheckout: vi.fn(),
-    creditFluxFromInvoice: vi.fn(),
   } as any
 }
 
diff --git a/server/apps/api/src/routes/stripe/checkout.test.ts b/server/apps/api/src/routes/stripe/checkout.test.ts
new file mode 100644
index 000000000..723aeed24
--- /dev/null
+++ b/server/apps/api/src/routes/stripe/checkout.test.ts
@@ -0,0 +1,292 @@
+import type { Database } from '../../libs/db'
+import type { ConfigDefinitions, ConfigKVService } from '../../services/adapters/config-kv'
+
+import { eq } from 'drizzle-orm'
+import { beforeAll, beforeEach, describe, expect, it, vi } from 'vitest'
+
+import { mockDB } from '../../libs/mock-db'
+import { createTestRedis } from '../../libs/tests/redis'
+import { createBillingService } from '../../services/domain/billing/billing-service'
+import { createPaymentService } from '../../services/domain/payment'
+import { createCheckoutOperation } from './operations/checkout'
+
+import * as schema from '../../schemas'
+
+const starterPack: ConfigDefinitions['FLUX_PACKS'][number] = {
+  key: 'starter',
+  name: '500 Flux',
+  fluxAmount: 500,
+  recommended: false,
+  processors: { stripe: { priceId: 'price_starter' } },
+}
+
+const testEnv = {
+  STRIPE_SECRET_KEY: 'sk_test_fake',
+  STRIPE_WEBHOOK_SECRET: 'whsec_test_fake',
+  API_SERVER_URL: 'http://localhost:8787',
+  WEB_APP_URL: 'https://airi.moeru.ai',
+  ADDITIONAL_TRUSTED_ORIGINS: [],
+} as any
+
+const testUser = { id: 'user-pay-1', name: 'Pay User', email: 'pay@example.com' }
+
+function createPacksConfigKV(packs: ConfigDefinitions['FLUX_PACKS']): ConfigKVService {
+  return {
+    getOptional: vi.fn(async (key: string) => {
+      if (key === 'FLUX_PACKS')
+        return packs
+      return null
+    }),
+    getOrThrow: vi.fn(),
+    get: vi.fn(),
+    refresh: vi.fn(),
+    invalidateCache: vi.fn(),
+  } as ConfigKVService
+}
+
+function createCheckout(
+  payment: ReturnType<typeof createPaymentService>,
+  stripe: { checkout: { sessions: { create: ReturnType<typeof vi.fn> } }, prices?: { retrieve: ReturnType<typeof vi.fn> } },
+  packs: ConfigDefinitions['FLUX_PACKS'] = [starterPack],
+  productEventService: { track: ReturnType<typeof vi.fn> } | null = null,
+) {
+  return createCheckoutOperation(
+    payment,
+    { prices: { retrieve: vi.fn(async () => ({ active: true, type: 'one_time' })) }, ...stripe } as never,
+    createPacksConfigKV(packs),
+    testEnv,
+    null,
+    productEventService as never,
+  )
+}
+
+describe('stripe checkout', () => {
+  let db: Database
+  let payment: ReturnType<typeof createPaymentService>
+
+  beforeAll(async () => {
+    db = await mockDB(schema)
+    await db.insert(schema.user).values({
+      id: 'user-pay-1',
+      name: 'Pay User',
+      email: 'pay@example.com',
+    })
+  })
+
+  beforeEach(async () => {
+    const redis = createTestRedis()
+    const billing = createBillingService(db, redis, createPacksConfigKV([starterPack]))
+    payment = createPaymentService(db, billing)
+
+    await db.delete(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    await db.delete(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    await db.delete(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    await db.delete(schema.paymentCustomer).where(eq(schema.paymentCustomer.userId, 'user-pay-1'))
+  })
+
+  it('inserts a pending order then creates a Checkout Session', async () => {
+    const create = vi.fn(async (params: { metadata?: Record<string, string> }) => {
+      const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+      expect(order?.status).toBe('pending')
+      expect(order?.processorOrderId).toBeNull()
+      expect(order?.packKey).toBe('starter')
+      expect(order?.fluxAmount).toBe(500)
+      expect(params.metadata?.payment_order_id).toBe(order?.id)
+
+      return {
+        id: 'cs_test_1',
+        url: 'https://checkout.stripe.test/cs_test_1',
+        amount_total: 500,
+        currency: 'usd',
+      }
+    })
+
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    const result = await checkout(
+      testUser,
+      { packKey: 'starter', currency: 'usd' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )
+
+    expect(result).toEqual({ url: 'https://checkout.stripe.test/cs_test_1' })
+
+    const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    expect(order?.status).toBe('pending')
+    expect(order?.processorOrderId).toBe('cs_test_1')
+    expect(order?.amount).toBe(500)
+    expect(order?.currency).toBe('usd')
+  })
+
+  it('resolves previous-version stripePriceId onto a pack snapshot', async () => {
+    const create = vi.fn(async () => ({
+      id: 'cs_test_price',
+      url: 'https://checkout.stripe.test/cs_test_price',
+      amount_total: 500,
+      currency: 'usd',
+    }))
+
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    await checkout(
+      testUser,
+      { stripePriceId: 'price_starter' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )
+
+    const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    expect(order?.packKey).toBe('starter')
+    expect(order?.fluxAmount).toBe(500)
+    expect(create).toHaveBeenCalled()
+  })
+
+  it('credits Flux when settle runs before the session id is bound', async () => {
+    const create = vi.fn(async (params: { metadata?: Record<string, string> }) => {
+      const paymentOrderId = params.metadata?.payment_order_id
+      expect(paymentOrderId).toBeTruthy()
+
+      const result = await payment.settle({
+        kind: 'claim',
+        processor: 'stripe',
+        paymentOrderId: paymentOrderId!,
+        processorOrderId: 'cs_test_race',
+        status: 'paid',
+        customerId: 'cus_test',
+      })
+      expect(result.applied).toBe(true)
+
+      return {
+        id: 'cs_test_race',
+        url: 'https://checkout.stripe.test/cs_test_race',
+        amount_total: 500,
+        currency: 'usd',
+      }
+    })
+
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    await checkout(
+      testUser,
+      { packKey: 'starter' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )
+
+    const [flux] = await db.select().from(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    expect(flux?.flux).toBe(500)
+
+    const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    expect(order?.status).toBe('paid')
+    expect(order?.processorOrderId).toBe('cs_test_race')
+  })
+
+  it('stores browser OpenPanel identity in Checkout Session metadata', async () => {
+    const create = vi.fn(async () => ({
+      id: 'cs_test_ph',
+      url: 'https://checkout.stripe.test/cs_test_ph',
+      amount_total: 500,
+      currency: 'usd',
+    }))
+    const productEventService = { track: vi.fn() }
+
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } }, [starterPack], productEventService)
+
+    await checkout(
+      testUser,
+      { packKey: 'starter' },
+      new Request('http://localhost/api/v1/stripe/checkout', {
+        headers: {
+          'x-openpanel-device-id': 'anon-browser-1',
+          'x-openpanel-session-id': 'ph-session-1',
+        },
+      }),
+    )
+
+    expect(create).toHaveBeenCalledWith(expect.objectContaining({
+      metadata: expect.objectContaining({
+        openpanelDeviceId: 'anon-browser-1',
+        openpanelSessionId: 'ph-session-1',
+      }),
+    }))
+    expect(productEventService.track).toHaveBeenCalledWith(expect.objectContaining({
+      action: 'checkout_started',
+      metadata: expect.objectContaining({
+        openpanel_device_id: 'anon-browser-1',
+      }),
+    }))
+  })
+
+  it('reuses the live Stripe customer on the Checkout Session', async () => {
+    await db.insert(schema.paymentCustomer).values({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      customerId: 'cus_existing',
+    })
+
+    const create = vi.fn(async (params: { customer?: string, customer_email?: string }) => {
+      expect(params.customer).toBe('cus_existing')
+      expect(params.customer_email).toBeUndefined()
+      return {
+        id: 'cs_test_customer',
+        url: 'https://checkout.stripe.test/cs_test_customer',
+        amount_total: 500,
+        currency: 'usd',
+      }
+    })
+
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    await checkout(
+      testUser,
+      { packKey: 'starter' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )
+
+    expect(create).toHaveBeenCalled()
+  })
+
+  it('abandons the pending order when Checkout Session create fails', async () => {
+    const create = vi.fn(async () => {
+      throw new Error('stripe down')
+    })
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    await expect(checkout(
+      testUser,
+      { packKey: 'starter' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )).rejects.toThrow('stripe down')
+
+    const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    expect(order?.status).toBe('canceled')
+    expect(order?.processorOrderId).toBeNull()
+  })
+
+  it('abandons the pending order when Checkout Session has no URL', async () => {
+    const create = vi.fn(async () => ({
+      id: 'cs_test_nourl',
+      url: null,
+      amount_total: 500,
+      currency: 'usd',
+    }))
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } } })
+
+    await expect(checkout(
+      testUser,
+      { packKey: 'starter' },
+      new Request('http://localhost/api/v1/stripe/checkout'),
+    )).rejects.toMatchObject({
+      statusCode: 503,
+      errorCode: 'STRIPE_CHECKOUT_URL_MISSING',
+    })
+
+    const [order] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    expect(order?.status).toBe('canceled')
+  })
+  it('rejects inactive prices before creating a payment order', async () => {
+    const create = vi.fn()
+    const checkout = createCheckout(payment, { checkout: { sessions: { create } }, prices: { retrieve: vi.fn(async () => ({ active: false, type: 'one_time' })) } })
+    await expect(checkout(testUser, { packKey: 'starter' }, new Request('http://localhost/api/v1/stripe/checkout'))).rejects.toMatchObject({ statusCode: 400 })
+    expect(await db.select().from(schema.paymentOrder)).toHaveLength(0)
+    expect(create).not.toHaveBeenCalled()
+  })
+})
diff --git a/server/apps/api/src/routes/stripe/claim.ts b/server/apps/api/src/routes/stripe/claim.ts
new file mode 100644
index 000000000..6da9f9456
--- /dev/null
+++ b/server/apps/api/src/routes/stripe/claim.ts
@@ -0,0 +1,49 @@
+import type { InferOutput } from 'valibot'
+
+import type { ClaimReceipt } from '../../services/domain/payment'
+
+import { nullable, number, object, optional, parse, picklist, record, string, union } from 'valibot'
+
+const processorReference = nullable(union([string(), object({ id: string() })]))
+
+/** Fields consumed after Stripe verifies the event signature. */
+export const checkoutSessionSchema = object({
+  id: string(),
+  mode: picklist(['payment', 'subscription', 'setup']),
+  status: nullable(picklist(['open', 'complete', 'expired'])),
+  payment_status: picklist(['paid', 'unpaid', 'no_payment_required']),
+  amount_total: optional(nullable(number())),
+  currency: optional(nullable(string())),
+  customer: optional(processorReference),
+  payment_intent: optional(processorReference),
+  metadata: optional(nullable(record(string(), string()))),
+})
+
+export type CheckoutSession = InferOutput<typeof checkoutSessionSchema>
+
+/** Returns no claim while payment is pending. Expiration never grants Flux. */
+export function claimReceiptFromCheckoutSession(
+  input: unknown,
+  paymentOrderId: string,
+): ClaimReceipt | null {
+  const session = parse(checkoutSessionSchema, input)
+  if (session.status !== 'expired' && (session.status !== 'complete' || session.payment_status === 'unpaid'))
+    return null
+
+  return {
+    kind: 'claim',
+    processor: 'stripe',
+    paymentOrderId,
+    processorOrderId: session.id,
+    status: session.status === 'expired' ? 'expired' : 'paid',
+    amount: session.amount_total ?? undefined,
+    currency: session.currency ?? undefined,
+    customerId: typeof session.customer === 'string' ? session.customer : session.customer?.id,
+    extras: {
+      sessionId: session.id,
+      paymentIntentId: typeof session.payment_intent === 'string' ? session.payment_intent : session.payment_intent?.id,
+      mode: session.mode,
+      paymentStatus: session.payment_status,
+    },
+  }
+}
diff --git a/server/apps/api/src/routes/stripe/index.ts b/server/apps/api/src/routes/stripe/index.ts
index 6428d16a2..dae9f3ccd 100644
--- a/server/apps/api/src/routes/stripe/index.ts
+++ b/server/apps/api/src/routes/stripe/index.ts
@@ -1,131 +1,54 @@
 import type Redis from 'ioredis'
+import type Stripe from 'stripe'
 
+import type { Database } from '../../libs/db'
 import type { Env } from '../../libs/env'
 import type { RateLimitMetrics, RevenueMetrics } from '../../otel'
 import type { ConfigKVService } from '../../services/adapters/config-kv'
-import type { BillingService } from '../../services/domain/billing/billing-service'
-import type { FluxService } from '../../services/domain/flux'
+import type { PaymentService } from '../../services/domain/payment'
 import type { ProductEventService } from '../../services/domain/product-events'
-import type { StripeService } from '../../services/domain/stripe'
 import type { HonoEnv } from '../../types/hono'
 
-import Stripe from 'stripe'
-
 import { Hono } from 'hono'
 
 import { authGuard } from '../../middlewares/auth'
 import { rateLimiter } from '../../middlewares/rate-limit'
-import { createBadRequestError, createServiceUnavailableError } from '../../utils/error'
-import { resolveCheckoutRedirectBase } from '../../utils/origin'
 import { createCheckoutOperation } from './operations/checkout'
 import { createWebhookOperation } from './operations/webhook'
-import { createStripePriceCatalog, formatPrice } from './price-catalog'
-
-export { formatPrice } from './price-catalog'
+import { listStripePackages } from './price-catalog'
 
 /**
- * Creates Stripe HTTP routes for Flux purchase and billing records.
+ * Creates Stripe HTTP routes for Flux purchase.
  *
- * Use when:
- * - Mounting `/api/v1/stripe` in the server app.
- * - Wiring Stripe checkout, customer portal, package catalog, and webhooks.
- *
- * Expects:
- * - Auth middleware to populate `c.get('user')` for protected endpoints.
- * - Stripe configuration to be present for checkout, portal, and webhook routes.
- *
- * Returns:
- * - A Hono router scoped to Stripe endpoints.
+ * Paths stay on `/api/v1/stripe`. Checkout lives in this adapter.
+ * Webhook dispatch maps a session onto Payment CORE `settle`.
  */
 export function createStripeRoutes(
-  fluxService: FluxService,
-  stripeService: StripeService,
-  billingService: BillingService,
+  payment: PaymentService,
+  db: Database,
+  stripe: Stripe | null,
+  redis: Redis,
   configKV: ConfigKVService,
   env: Env,
-  redis: Redis,
-  metrics?: RevenueMetrics | null,
-  rateLimitMetrics?: RateLimitMetrics | null,
-  productEventService?: ProductEventService,
+  metrics: RevenueMetrics | null,
+  rateLimitMetrics: RateLimitMetrics | null,
+  productEventService: ProductEventService | null,
 ) {
-  const stripe = env.STRIPE_SECRET_KEY ? new Stripe(env.STRIPE_SECRET_KEY) : null
-  const priceCatalog = stripe ? createStripePriceCatalog(stripe, redis) : null
-  const checkout = createCheckoutOperation({ stripe, priceCatalog, stripeService, configKV, env, metrics, productEventService })
-  const webhook = createWebhookOperation({
-    stripe,
-    webhookSecret: env.STRIPE_WEBHOOK_SECRET,
-    fluxService,
-    stripeService,
-    billingService,
-    metrics,
-    productEventService,
-  })
+  const checkout = createCheckoutOperation(payment, stripe, configKV, env, metrics, productEventService)
+  const webhook = createWebhookOperation(stripe, env.STRIPE_WEBHOOK_SECRET ?? null, payment, db, metrics, productEventService)
 
   return new Hono<HonoEnv>()
     .get('/packages', async (c) => {
-      const fluxProductId = await configKV.getOptional('STRIPE_FLUX_PRODUCT_ID')
-      if (!priceCatalog || !fluxProductId)
-        return c.json([])
-
-      const prices = await priceCatalog.getActivePrices(fluxProductId)
-
-      // Build per-currency price map for each package.
-      return c.json(prices.map((p) => {
-        const currencies: Record<string, string> = {
-          [p.currency]: formatPrice(p.unitAmount, p.currency),
-        }
-        for (const [cur, opt] of Object.entries(p.currencyOptions)) {
-          currencies[cur] = formatPrice(opt.unitAmount, cur)
-        }
-
-        return {
-          stripePriceId: p.id,
-          label: `${p.metadata.fluxAmount ?? '?'} Flux`,
-          defaultCurrency: p.currency,
-          currencies,
-          recommended: p.metadata.recommended === 'true',
-        }
-      }))
+      const packs = await configKV.getOptional('FLUX_PACKS') ?? []
+      return c.json(await listStripePackages(stripe, redis, packs))
     })
     .post('/checkout', authGuard, rateLimiter({ max: 10, windowSec: 60, metrics: rateLimitMetrics, routeLabel: 'stripe.checkout' }), async (c) => {
       const body = await c.req.json()
-      return c.json(await checkout({
-        user: c.get('user')!,
-        body,
-        request: c.req.raw,
-      }))
-    })
-    .get('/orders', authGuard, async (c) => {
-      const user = c.get('user')!
-      const sessions = await stripeService.getCheckoutSessionsByUserId(user.id)
-      return c.json(sessions)
-    })
-    .get('/invoices', authGuard, async (c) => {
-      const user = c.get('user')!
-      const invoices = await stripeService.getInvoicesByUserId(user.id)
-      return c.json(invoices)
-    })
-    .post('/portal', authGuard, async (c) => {
-      if (!stripe)
-        throw createServiceUnavailableError('Stripe is not configured', 'STRIPE_NOT_CONFIGURED')
-
-      const user = c.get('user')!
-      const customer = await stripeService.getCustomerByUserId(user.id)
-      if (!customer)
-        throw createBadRequestError('No billing account found', 'NO_CUSTOMER')
-
-      const portalReturnBase = resolveCheckoutRedirectBase(c.req.raw, env.ADDITIONAL_TRUSTED_ORIGINS, env.WEB_APP_URL)
-
-      const portalSession = await stripe.billingPortal.sessions.create({
-        customer: customer.stripeCustomerId,
-        return_url: `${portalReturnBase}/settings/flux`,
-      })
-
-      return c.json({ url: portalSession.url })
+      return c.json(await checkout(c.get('user')!, body, c.req.raw))
     })
     .post('/webhook', async (c) => {
       const signature = c.req.header('stripe-signature') ?? null
       const body = signature ? await c.req.text() : ''
-      return c.json(await webhook({ signature, body }))
+      return c.json(await webhook(signature, body))
     })
 }
diff --git a/server/apps/api/src/routes/stripe/operations/checkout.ts b/server/apps/api/src/routes/stripe/operations/checkout.ts
index 4a90c2566..e07505df8 100644
--- a/server/apps/api/src/routes/stripe/operations/checkout.ts
+++ b/server/apps/api/src/routes/stripe/operations/checkout.ts
@@ -2,144 +2,126 @@ import type Stripe from 'stripe'
 
 import type { Env } from '../../../libs/env'
 import type { RevenueMetrics } from '../../../otel'
-import type { ConfigKVService } from '../../../services/adapters/config-kv'
+import type { ConfigDefinitions, ConfigKVService } from '../../../services/adapters/config-kv'
+import type { PaymentService } from '../../../services/domain/payment'
 import type { ProductEventService } from '../../../services/domain/product-events'
-import type { StripeService } from '../../../services/domain/stripe'
-import type { HonoEnv } from '../../../types/hono'
-import type { StripePriceCatalog } from '../price-catalog'
 
-import { safeParse } from 'valibot'
+import { boolean, object, parse, picklist, safeParse } from 'valibot'
 
 import { createBadRequestError, createServiceUnavailableError } from '../../../utils/error'
 import { resolveCheckoutRedirectBase } from '../../../utils/origin'
 import { CheckoutBodySchema } from '../schema'
 
-type AuthenticatedUser = NonNullable<HonoEnv['Variables']['user']>
-type CheckoutSessionCreateParams = NonNullable<Parameters<Stripe['checkout']['sessions']['create']>[0]>
-
-export interface CheckoutOperationDeps {
-  stripe: Stripe | null
-  priceCatalog: StripePriceCatalog | null
-  stripeService: StripeService
-  configKV: ConfigKVService
-  env: Env
-  metrics?: RevenueMetrics | null
-  productEventService?: ProductEventService
-}
-
-export interface CheckoutOperationInput {
-  user: AuthenticatedUser
-  body: unknown
-  request: Request
-}
-
-interface OpenpanelIdentityHeaders {
-  distinctId?: string
-  sessionId?: string
-}
-
 /**
- * Creates Stripe checkout sessions for Flux packages.
+ * Opens a pending order through Payment CORE, then creates a Stripe Checkout Session.
  *
- * Use when:
- * - A signed-in user starts a one-time Flux purchase.
- * - The route already enforced auth and rate limiting.
- *
- * Expects:
- * - ConfigKV has `STRIPE_FLUX_PRODUCT_ID`.
- * - `body` matches {@link CheckoutBodySchema}.
- *
- * Returns:
- * - A Stripe-hosted checkout URL.
+ * `{ packKey }` and previous-version `{ stripePriceId }` resolve a Flux pack.
  */
-export function createCheckoutOperation(deps: CheckoutOperationDeps) {
-  return async (input: CheckoutOperationInput): Promise<{ url: string | null }> => {
-    const fluxProductId = await deps.configKV.getOptional('STRIPE_FLUX_PRODUCT_ID')
-    if (!deps.stripe || !deps.priceCatalog || !fluxProductId)
+export function createCheckoutOperation(
+  payment: PaymentService,
+  stripe: Stripe | null,
+  configKV: ConfigKVService,
+  env: Env,
+  metrics: RevenueMetrics | null,
+  productEventService: ProductEventService | null,
+) {
+  return async (
+    user: { id: string, email: string },
+    body: unknown,
+    request: Request,
+  ): Promise<{ url: string }> => {
+    if (!stripe)
       throw createServiceUnavailableError('Stripe is not configured', 'STRIPE_NOT_CONFIGURED')
 
-    const result = safeParse(CheckoutBodySchema, input.body)
-    if (!result.success)
-      throw createBadRequestError('Invalid checkout request', 'INVALID_REQUEST', result.issues)
+    const parsed = safeParse(CheckoutBodySchema, body)
+    if (!parsed.success)
+      throw createBadRequestError('Invalid checkout request', 'INVALID_REQUEST', parsed.issues)
 
-    const { stripePriceId, currency } = result.output
+    const { packKey, stripePriceId, currency } = parsed.output
+    const packs = await configKV.getOptional('FLUX_PACKS') ?? []
+    const pack = resolveStripeCheckoutPack(packs, packKey, stripePriceId)
+    if (!pack)
+      throw createBadRequestError('Invalid pack', 'INVALID_PACKAGE', { packKey })
+    const priceId = pack.processors.stripe?.priceId
+    if (!priceId)
+      throw createServiceUnavailableError('Stripe pack mapping is missing', 'STRIPE_PACK_NOT_MAPPED', { packKey: pack.key })
 
-    const price = await deps.priceCatalog.findActivePrice(fluxProductId, stripePriceId)
-    if (!price)
-      throw createBadRequestError('Invalid price', 'INVALID_PACKAGE', { stripePriceId })
+    const price = parse(object({ active: boolean(), type: picklist(['one_time', 'recurring']) }), await stripe.prices.retrieve(priceId))
+    if (!price.active || price.type !== 'one_time')
+      throw createBadRequestError('Stripe price is not available for one-time purchases', 'INVALID_PACKAGE')
 
-    const fluxAmount = Number(price.metadata.fluxAmount)
-    if (!Number.isFinite(fluxAmount) || fluxAmount <= 0)
-      throw createBadRequestError('Price is missing fluxAmount metadata', 'INVALID_PACKAGE', { stripePriceId })
+    const redirectBase = resolveCheckoutRedirectBase(request, env.ADDITIONAL_TRUSTED_ORIGINS, env.WEB_APP_URL)
+    const openpanelIdentity = readOpenpanelIdentityHeaders(request)
 
-    // Reuse existing stripe customer if available.
-    const customer = await deps.stripeService.getCustomerByUserId(input.user.id)
-    const stripeCustomerId = customer?.stripeCustomerId
+    const order = await payment.openPending({
+      userId: user.id,
+      processor: 'stripe',
+      packKey: pack.key,
+      fluxAmount: pack.fluxAmount,
+      currency,
+    })
 
-    const redirectBase = resolveCheckoutRedirectBase(input.request, deps.env.ADDITIONAL_TRUSTED_ORIGINS, deps.env.WEB_APP_URL)
-
-    const paymentMethods = await deps.configKV.getOptional('STRIPE_PAYMENT_METHODS')
-    const paymentMethodOptions = await deps.configKV.getOptional('STRIPE_PAYMENT_METHOD_OPTIONS') ?? {}
-    const openpanelIdentity = readOpenpanelIdentityHeaders(input.request)
-
-    const sessionParams: CheckoutSessionCreateParams = {
-      line_items: [{ price: stripePriceId, quantity: 1 }],
+    const sessionParams: Stripe.Checkout.SessionCreateParams = {
+      line_items: [{ price: priceId, quantity: 1 }],
       mode: 'payment',
       allow_promotion_codes: true,
       success_url: `${redirectBase}/settings/flux?success=true`,
       cancel_url: `${redirectBase}/settings/flux?canceled=true`,
-      customer: stripeCustomerId,
-      customer_email: stripeCustomerId ? undefined : input.user.email,
+      customer: order.customerId,
+      customer_email: order.customerId ? undefined : user.email,
       metadata: {
-        userId: input.user.id,
-        fluxAmount: String(fluxAmount),
+        payment_order_id: order.id,
+        userId: user.id,
+        packKey: pack.key,
+        fluxAmount: String(pack.fluxAmount),
         ...(openpanelIdentity.distinctId && { openpanelDeviceId: openpanelIdentity.distinctId }),
         ...(openpanelIdentity.sessionId && { openpanelSessionId: openpanelIdentity.sessionId }),
       },
     }
 
-    // When STRIPE_PAYMENT_METHODS is not set, omit payment_method_types to let Stripe
-    // automatically determine available methods based on currency and Dashboard settings.
+    const paymentMethods = await configKV.getOptional('STRIPE_PAYMENT_METHODS')
+    const paymentMethodOptions = await configKV.getOptional('STRIPE_PAYMENT_METHOD_OPTIONS') ?? {}
+
     if (paymentMethods)
-      sessionParams.payment_method_types = paymentMethods as CheckoutSessionCreateParams['payment_method_types']
+      sessionParams.payment_method_types = paymentMethods as Stripe.Checkout.SessionCreateParams['payment_method_types']
 
     if (Object.keys(paymentMethodOptions).length > 0)
-      sessionParams.payment_method_options = paymentMethodOptions as CheckoutSessionCreateParams['payment_method_options']
+      sessionParams.payment_method_options = paymentMethodOptions as Stripe.Checkout.SessionCreateParams['payment_method_options']
 
-    // When currency is specified, Stripe uses the matching currency_options on the Price.
     if (currency)
       sessionParams.currency = currency
 
-    const session = await deps.stripe.checkout.sessions.create(sessionParams)
+    let session: Stripe.Checkout.Session
+    try {
+      session = await stripe.checkout.sessions.create(sessionParams)
+    }
+    catch (error) {
+      await payment.abandon(order.id)
+      throw error
+    }
 
-    // Persist the checkout session.
-    await deps.stripeService.upsertCheckoutSession({
-      userId: input.user.id,
-      stripeSessionId: session.id,
-      stripeCustomerId: typeof session.customer === 'string' ? session.customer : session.customer?.id,
-      mode: session.mode ?? 'payment',
-      status: session.status,
-      paymentStatus: session.payment_status,
-      amountTotal: session.amount_total,
-      currency: session.currency,
-      successUrl: session.success_url,
-      cancelUrl: session.cancel_url,
-      stripePaymentIntentId: typeof session.payment_intent === 'string' ? session.payment_intent : session.payment_intent?.id,
-      stripeSubscriptionId: typeof session.subscription === 'string' ? session.subscription : session.subscription?.id,
-      metadata: session.metadata ? JSON.stringify(session.metadata) : null,
-      expiresAt: session.expires_at ? new Date(session.expires_at * 1000) : null,
+    if (!session.url) {
+      await payment.abandon(order.id)
+      throw createServiceUnavailableError('Stripe checkout did not return a URL', 'STRIPE_CHECKOUT_URL_MISSING')
+    }
+
+    await payment.bindProcessorOrder(order.id, {
+      processorOrderId: session.id,
+      amount: session.amount_total ?? undefined,
+      currency: session.currency ?? currency,
     })
 
-    deps.metrics?.stripeCheckoutCreated.add(1)
-    void deps.productEventService?.track({
-      userId: input.user.id,
+    metrics?.stripeCheckoutCreated.add(1)
+    void productEventService?.track({
+      userId: user.id,
       feature: 'billing',
       action: 'checkout_started',
       status: 'succeeded',
-      eventId: session.id,
+      eventId: order.id,
       source: 'stripe.checkout',
       metadata: {
-        flux_amount: fluxAmount,
+        pack_key: pack.key,
+        flux_amount: pack.fluxAmount,
         amount_total: session.amount_total,
         currency: session.currency,
         ...(openpanelIdentity.distinctId && { openpanel_device_id: openpanelIdentity.distinctId }),
@@ -151,7 +133,19 @@ export function createCheckoutOperation(deps: CheckoutOperationDeps) {
   }
 }
 
-function readOpenpanelIdentityHeaders(request: Request): OpenpanelIdentityHeaders {
+function resolveStripeCheckoutPack(
+  packs: ConfigDefinitions['FLUX_PACKS'],
+  packKey: string | undefined,
+  stripePriceId: string | undefined,
+) {
+  if (packKey)
+    return packs.find(item => item.key === packKey)
+  if (stripePriceId)
+    return packs.find(item => item.processors.stripe?.priceId === stripePriceId)
+  return undefined
+}
+
+function readOpenpanelIdentityHeaders(request: Request) {
   const distinctId = readStripeMetadataHeader(request, 'x-openpanel-device-id')
   const sessionId = readStripeMetadataHeader(request, 'x-openpanel-session-id')
   return {
@@ -160,13 +154,10 @@ function readOpenpanelIdentityHeaders(request: Request): OpenpanelIdentityHeader
   }
 }
 
-function readStripeMetadataHeader(request: Request, name: string): string | undefined {
+function readStripeMetadataHeader(request: Request, name: string) {
   const value = request.headers.get(name)?.trim()
   if (!value)
     return undefined
 
-  // Stripe metadata values are capped and user-controlled headers can be
-  // oversized. Truncating keeps the checkout request valid without turning
-  // analytics identity into a payment blocker.
   return value.slice(0, 200)
 }
diff --git a/server/apps/api/src/routes/stripe/operations/webhook.ts b/server/apps/api/src/routes/stripe/operations/webhook.ts
index f6ef0edf2..b54a390f7 100644
--- a/server/apps/api/src/routes/stripe/operations/webhook.ts
+++ b/server/apps/api/src/routes/stripe/operations/webhook.ts
@@ -1,340 +1,184 @@
 import type Stripe from 'stripe'
 
+import type { Database } from '../../../libs/db'
 import type { RevenueMetrics } from '../../../otel'
-import type { BillingService } from '../../../services/domain/billing/billing-service'
-import type { FluxService } from '../../../services/domain/flux'
+import type { PaymentService } from '../../../services/domain/payment'
 import type { ProductEventService } from '../../../services/domain/product-events'
-import type { StripeService } from '../../../services/domain/stripe'
+import type { CheckoutSession } from '../claim'
 
 import { useLogger } from '@guiiai/logg'
+import { and, eq } from 'drizzle-orm'
+import { object, optional, parse, pipe, regex, safeInteger, string, transform } from 'valibot'
 
+import { stripeCheckoutSession } from '../../../schemas/stripe'
 import { createBadRequestError, createServiceUnavailableError } from '../../../utils/error'
 import { errorMessageFromUnknown } from '../../../utils/error-message'
+import { checkoutSessionSchema, claimReceiptFromCheckoutSession } from '../claim'
+
+import * as paymentSchema from '../../../schemas/payment'
 
 const logger = useLogger('stripe')
 
-interface StripeSubscriptionEventContext {
-  userId: string
-  stripeCustomerId: string
-  stripeSubscriptionId: string
-  stripePriceId?: string
-  subscriptionStatus?: string
-  amountPaid?: number
-  currency?: string
-}
+/**
+ * Finds the `payment_order` id for a verified Checkout Session.
+ *
+ * New Sessions store `metadata.payment_order_id`. Sessions copied by
+ * `0023_payment_order.sql` are found by Stripe session id.
+ */
+async function resolvePaymentOrderId(
+  db: Database,
+  session: CheckoutSession,
+): Promise<string | undefined> {
+  const fromMetadata = session.metadata?.payment_order_id
+  if (fromMetadata)
+    return fromMetadata
 
-export interface WebhookOperationDeps {
-  stripe: Stripe | null
-  webhookSecret: string | undefined
-  fluxService: FluxService
-  stripeService: StripeService
-  billingService: BillingService
-  metrics?: RevenueMetrics | null
-  productEventService?: ProductEventService
-}
+  const [existing] = await db
+    .select({ id: paymentSchema.paymentOrder.id })
+    .from(paymentSchema.paymentOrder)
+    .where(and(
+      eq(paymentSchema.paymentOrder.processor, 'stripe'),
+      eq(paymentSchema.paymentOrder.processorOrderId, session.id),
+    ))
+    .limit(1)
 
-export interface WebhookOperationInput {
-  signature: string | null
-  body: string
+  if (existing)
+    return existing.id
+
+  // NOTICE:
+  // Old replicas can insert checkout rows after migration 0023 copies them.
+  // The retained Stripe table is the ownership proof for those sessions.
+  // See 0023_payment_order.sql. Remove this path with the legacy-table cutover.
+  const [legacy] = await db.select().from(stripeCheckoutSession).where(eq(stripeCheckoutSession.stripeSessionId, session.id)).limit(1)
+  if (!legacy)
+    return undefined
+
+  const metadata = legacy.metadata
+    ? parse(object({
+        fluxAmount: optional(pipe(string(), regex(/^[1-9]\d*$/), transform(Number), safeInteger())),
+        packKey: optional(string()),
+      }), JSON.parse(legacy.metadata))
+    : undefined
+  await db.insert(paymentSchema.paymentOrder).values({
+    id: legacy.id,
+    userId: legacy.userId,
+    processor: 'stripe',
+    processorOrderId: legacy.stripeSessionId,
+    status: legacy.fluxCredited ? 'paid' : legacy.status === 'expired' ? 'expired' : 'pending',
+    fluxAmount: metadata?.fluxAmount,
+    packKey: metadata?.packKey,
+    amount: legacy.amountTotal,
+    currency: legacy.currency,
+    creditedAt: legacy.fluxCredited ? legacy.updatedAt : null,
+    createdAt: legacy.createdAt,
+    updatedAt: legacy.updatedAt,
+    deletedAt: legacy.deletedAt,
+  }).onConflictDoNothing()
+  return legacy.id
 }
 
 /**
- * Processes Stripe webhook events.
- *
- * Use when:
- * - The route has captured the raw request body.
- * - Stripe signature verification must happen before event dispatch.
- *
- * Expects:
- * - A configured Stripe client and webhook secret.
- *
- * Returns:
- * - `{ received: true }` after known and unknown events are accepted.
+ * Verifies a Stripe webhook, maps a Checkout Session to a claim receipt,
+ * then calls Payment CORE. Unknown events are ignored.
  */
-export function createWebhookOperation(deps: WebhookOperationDeps) {
-  return async (input: WebhookOperationInput): Promise<{ received: true }> => {
-    if (!deps.stripe || !deps.webhookSecret)
+export function createWebhookOperation(
+  stripe: Stripe | null,
+  webhookSecret: string | null,
+  payment: PaymentService,
+  db: Database,
+  metrics: RevenueMetrics | null,
+  productEventService: ProductEventService | null,
+) {
+  return async (signature: string | null, body: string): Promise<{ received: true }> => {
+    if (!stripe || !webhookSecret)
       throw createServiceUnavailableError('Stripe is not configured', 'STRIPE_NOT_CONFIGURED')
 
-    if (!input.signature)
+    if (!signature)
       throw createBadRequestError('No signature', 'MISSING_SIGNATURE')
 
     let event: Stripe.Event
     try {
-      event = deps.stripe.webhooks.constructEvent(input.body, input.signature, deps.webhookSecret)
+      event = stripe.webhooks.constructEvent(body, signature, webhookSecret)
     }
     catch (err: unknown) {
       throw createBadRequestError(`Webhook Error: ${errorMessageFromUnknown(err)}`, 'WEBHOOK_ERROR')
     }
 
     logger.withFields({ type: event.type, id: event.id }).log('Webhook event received')
-    deps.metrics?.stripeEvents.add(1, { event_type: event.type })
+    metrics?.stripeEvents.add(1, { event_type: event.type })
 
     switch (event.type) {
-      case 'checkout.session.completed': {
-        const result = await handleCheckoutSessionCompleted(event.id, event.data.object, deps.fluxService, deps.stripeService, deps.billingService)
-        deps.metrics?.stripeCheckoutCompleted.add(1)
-        // Revenue capture in smallest currency unit (e.g. cents).
-        // Cross-currency aggregation is meaningless, so always group by `currency` in queries.
-        if (event.data.object.amount_total != null && event.data.object.currency) {
-          deps.metrics?.stripeRevenue.add(event.data.object.amount_total, {
-            currency: event.data.object.currency,
+      case 'checkout.session.completed':
+      case 'checkout.session.async_payment_succeeded': {
+        const session = parse(checkoutSessionSchema, event.data.object)
+        if (session.mode !== 'payment') {
+          logger.withFields({ sessionId: session.id, mode: session.mode }).log('Ignoring non-payment checkout session')
+          break
+        }
+
+        const paymentOrderId = await resolvePaymentOrderId(db, session)
+        if (!paymentOrderId) {
+          logger.withFields({ sessionId: session.id }).warn('Ignoring checkout session without payment_order_id')
+          break
+        }
+
+        const receipt = claimReceiptFromCheckoutSession(session, paymentOrderId)
+        if (!receipt)
+          break
+        const result = await payment.settle(receipt)
+        if (result.applied)
+          metrics?.stripeCheckoutCompleted.add(1)
+        if (result.applied && session.amount_total != null && session.currency) {
+          metrics?.stripeRevenue.add(session.amount_total, {
+            currency: session.currency ?? null,
             source: 'checkout',
           })
         }
-        // Record the product conversion only after the handler actually
-        // processed the checkout. Malformed sessions (missing userId,
-        // invalid fluxAmount) take the early-return path above.
-        if (result.processed) {
-          const userId = event.data.object.metadata?.userId
-          if (userId) {
-            const fluxAmount = Number(event.data.object.metadata?.fluxAmount)
-            const openpanelDeviceId = event.data.object.metadata?.openpanelDeviceId
-            const openpanelSessionId = event.data.object.metadata?.openpanelSessionId
-            void deps.productEventService?.track({
-              userId,
-              feature: 'billing',
-              action: 'payment_completed',
-              status: 'succeeded',
-              eventId: event.data.object.id,
-              source: 'stripe.webhook',
-              metadata: {
-                amount_total: event.data.object.amount_total,
-                currency: event.data.object.currency,
-                flux_amount: Number.isFinite(fluxAmount) ? fluxAmount : null,
-                stripe_checkout_session_id: event.data.object.id,
-                stripe_customer_id: typeof event.data.object.customer === 'string' ? event.data.object.customer : event.data.object.customer?.id ?? null,
-                ...(openpanelDeviceId && { openpanel_device_id: openpanelDeviceId }),
-                ...(openpanelSessionId && { openpanel_session_id: openpanelSessionId }),
-              },
-            })
-          }
-        }
-        break
-      }
-      case 'customer.created':
-      case 'customer.updated': {
-        await handleCustomerEvent(event.data.object, deps.stripeService)
-        break
-      }
-      case 'customer.subscription.created':
-      case 'customer.subscription.updated':
-      case 'customer.subscription.deleted': {
-        await handleSubscriptionEvent(event.data.object, deps.stripeService)
-        deps.metrics?.stripeSubscriptionEvent.add(1, { event_type: event.type.replace('customer.subscription.', '') })
-        break
-      }
-      case 'invoice.created':
-      case 'invoice.updated':
-      case 'invoice.paid':
-      case 'invoice.payment_failed': {
-        await handleInvoiceEvent(event.data.object, deps.stripeService)
-        if (event.type === 'invoice.payment_failed')
-          deps.metrics?.stripePaymentFailed.add(1)
-        if (event.type === 'invoice.paid' && event.data.object.amount_paid && event.data.object.currency) {
-          deps.metrics?.stripeRevenue.add(event.data.object.amount_paid, {
-            currency: event.data.object.currency,
-            source: 'invoice',
+        if (result.applied) {
+          const openpanelDeviceId = session.metadata?.openpanelDeviceId
+          const openpanelSessionId = session.metadata?.openpanelSessionId
+          void productEventService?.track({
+            userId: result.userId,
+            feature: 'billing',
+            action: 'payment_completed',
+            status: 'succeeded',
+            source: 'stripe.webhook',
+            metadata: {
+              amount_total: session.amount_total ?? null,
+              currency: session.currency ?? null,
+              flux_amount: result.fluxAmount,
+              pack_key: session.metadata?.packKey ?? null,
+              stripe_checkout_session_id: session.id,
+              stripe_customer_id: typeof session.customer === 'string' ? session.customer : session.customer?.id ?? null,
+              ...(openpanelDeviceId && { openpanel_device_id: openpanelDeviceId }),
+              ...(openpanelSessionId && { openpanel_session_id: openpanelSessionId }),
+            },
           })
         }
         break
       }
+      case 'checkout.session.expired':
+      case 'checkout.session.async_payment_failed': {
+        const session = parse(checkoutSessionSchema, event.data.object)
+        const paymentOrderId = await resolvePaymentOrderId(db, session)
+        if (!paymentOrderId) {
+          logger.withFields({ sessionId: session.id }).warn('Ignoring checkout session without payment_order_id')
+          break
+        }
+
+        if (event.type === 'checkout.session.async_payment_failed') {
+          await payment.settle({ kind: 'claim', processor: 'stripe', paymentOrderId, processorOrderId: session.id, status: 'canceled' })
+          break
+        }
+        const receipt = claimReceiptFromCheckoutSession(session, paymentOrderId)
+        if (receipt)
+          await payment.settle(receipt)
+        break
+      }
+      default:
+        break
     }
 
     return { received: true }
   }
 }
-
-async function handleCheckoutSessionCompleted(
-  stripeEventId: string,
-  session: Stripe.Checkout.Session,
-  fluxService: FluxService,
-  stripeService: StripeService,
-  billingService: BillingService,
-): Promise<{ processed: boolean }> {
-  const userId = session.metadata?.userId
-  if (!userId) {
-    logger.withFields({ sessionId: session.id }).warn('Checkout session missing userId in metadata')
-    return { processed: false }
-  }
-
-  logger.withFields({ userId, sessionId: session.id, mode: session.mode, amount: session.amount_total, currency: session.currency }).log('Processing checkout session')
-
-  // Upsert customer record if we got a customer back.
-  if (session.customer) {
-    const stripeCustomerId = typeof session.customer === 'string' ? session.customer : session.customer.id
-    await stripeService.upsertCustomer({
-      userId,
-      stripeCustomerId,
-      email: session.customer_email ?? undefined,
-    })
-    await fluxService.updateStripeCustomerId(userId, stripeCustomerId)
-  }
-
-  await stripeService.upsertCheckoutSession({
-    userId,
-    stripeSessionId: session.id,
-    stripeCustomerId: typeof session.customer === 'string' ? session.customer : session.customer?.id,
-    mode: session.mode ?? 'payment',
-    status: session.status,
-    paymentStatus: session.payment_status,
-    amountTotal: session.amount_total,
-    currency: session.currency,
-    successUrl: session.success_url,
-    cancelUrl: session.cancel_url,
-    stripePaymentIntentId: typeof session.payment_intent === 'string' ? session.payment_intent : session.payment_intent?.id,
-    stripeSubscriptionId: typeof session.subscription === 'string' ? session.subscription : session.subscription?.id,
-    metadata: session.metadata ? JSON.stringify(session.metadata) : null,
-    expiresAt: session.expires_at ? new Date(session.expires_at * 1000) : null,
-  })
-
-  // Idempotent flux credit: use fluxCredited flag inside a transaction
-  // to prevent double-crediting on webhook replay.
-  //
-  // For `payment` mode (one-time Flux purchase) `metadata.fluxAmount` is
-  // required — without it we can't credit anything, and the funnel must
-  // not see a `payment_completed` event for a checkout that didn't
-  // actually deliver Flux. Non-`payment` modes (e.g. `setup` for saving
-  // a card) deliberately skip crediting and still count as processed.
-  if (session.mode === 'payment') {
-    if (session.amount_total == null) {
-      logger.withFields({ userId, sessionId: session.id }).warn('Payment-mode checkout missing amount_total; skipping credit and capture')
-      return { processed: false }
-    }
-    const metadataFlux = session.metadata?.fluxAmount
-    if (!metadataFlux) {
-      logger.withFields({ userId, sessionId: session.id }).warn('Payment-mode checkout missing metadata.fluxAmount; skipping credit and capture')
-      return { processed: false }
-    }
-    const fluxAmount = Number(metadataFlux)
-    if (!Number.isFinite(fluxAmount) || fluxAmount <= 0) {
-      logger.withFields({ userId, sessionId: session.id, metadataFlux }).warn('Invalid fluxAmount in session metadata, skipping credit')
-      return { processed: false }
-    }
-
-    const result = await billingService.creditFluxFromStripeCheckout({
-      stripeEventId,
-      userId,
-      stripeSessionId: session.id,
-      amountTotal: session.amount_total,
-      currency: session.currency,
-      fluxAmount,
-    })
-
-    logger.withFields({
-      userId,
-      fluxAmount,
-      amountTotal: session.amount_total,
-      applied: result.applied,
-      balanceAfter: result.balanceAfter,
-    }).log('Processed flux credit for one-time payment')
-
-    // Only the transaction that credits this checkout emits its conversion.
-    return { processed: result.applied }
-  }
-
-  return { processed: true }
-}
-
-async function handleCustomerEvent(
-  customer: Stripe.Customer | Stripe.DeletedCustomer,
-  stripeService: StripeService,
-) {
-  if (customer.deleted)
-    return
-
-  // Try to find existing customer to get userId.
-  const existing = await stripeService.getCustomerByStripeId(customer.id)
-  if (!existing)
-    return
-
-  await stripeService.upsertCustomer({
-    userId: existing.userId,
-    stripeCustomerId: customer.id,
-    email: customer.email ?? undefined,
-    name: customer.name ?? undefined,
-  })
-}
-
-async function handleSubscriptionEvent(
-  subscription: Stripe.Subscription,
-  stripeService: StripeService,
-): Promise<StripeSubscriptionEventContext | null> {
-  const stripeCustomerId = typeof subscription.customer === 'string' ? subscription.customer : subscription.customer.id
-  const customer = await stripeService.getCustomerByStripeId(stripeCustomerId)
-  if (!customer)
-    return null
-
-  // In newer Stripe API, period info is on subscription items.
-  const firstItem = subscription.items.data[0]
-  await stripeService.upsertSubscription({
-    userId: customer.userId,
-    stripeSubscriptionId: subscription.id,
-    stripeCustomerId,
-    stripePriceId: firstItem?.price?.id,
-    status: subscription.status,
-    currentPeriodStart: firstItem?.current_period_start ? new Date(firstItem.current_period_start * 1000) : null,
-    currentPeriodEnd: firstItem?.current_period_end ? new Date(firstItem.current_period_end * 1000) : null,
-    cancelAtPeriodEnd: subscription.cancel_at_period_end,
-    canceledAt: subscription.canceled_at ? new Date(subscription.canceled_at * 1000) : null,
-    endedAt: subscription.ended_at ? new Date(subscription.ended_at * 1000) : null,
-    metadata: subscription.metadata ? JSON.stringify(subscription.metadata) : null,
-  })
-
-  return {
-    userId: customer.userId,
-    stripeCustomerId,
-    stripeSubscriptionId: subscription.id,
-    stripePriceId: firstItem?.price?.id,
-    subscriptionStatus: subscription.status,
-  }
-}
-
-async function handleInvoiceEvent(
-  invoice: Stripe.Invoice,
-  stripeService: StripeService,
-): Promise<StripeSubscriptionEventContext | null> {
-  const stripeCustomerId = typeof invoice.customer === 'string' ? invoice.customer : invoice.customer?.id
-  if (!stripeCustomerId)
-    return null
-
-  const customer = await stripeService.getCustomerByStripeId(stripeCustomerId)
-  if (!customer)
-    return null
-
-  // In newer Stripe API, subscription is under parent.subscription_details.
-  const subDetails = invoice.parent?.subscription_details
-  const subscriptionId = subDetails
-    ? (typeof subDetails.subscription === 'string' ? subDetails.subscription : subDetails.subscription?.id)
-    : undefined
-
-  await stripeService.upsertInvoice({
-    userId: customer.userId,
-    stripeInvoiceId: invoice.id,
-    stripeCustomerId,
-    stripeSubscriptionId: subscriptionId,
-    status: invoice.status,
-    amountDue: invoice.amount_due,
-    amountPaid: invoice.amount_paid,
-    currency: invoice.currency,
-    invoiceUrl: invoice.hosted_invoice_url,
-    invoicePdf: invoice.invoice_pdf,
-    periodStart: new Date(invoice.period_start * 1000),
-    periodEnd: new Date(invoice.period_end * 1000),
-    paidAt: invoice.status_transitions?.paid_at ? new Date(invoice.status_transitions.paid_at * 1000) : null,
-    metadata: invoice.metadata ? JSON.stringify(invoice.metadata) : null,
-  })
-
-  // TODO: implement subscription-based flux crediting when subscriptions are enabled
-  if (invoice.status === 'paid' && invoice.amount_paid && subscriptionId)
-    logger.withFields({ userId: customer.userId, invoiceId: invoice.id, amountPaid: invoice.amount_paid }).warn('Subscription invoice paid but flux crediting for subscriptions is not yet implemented')
-
-  return {
-    userId: customer.userId,
-    stripeCustomerId,
-    stripeSubscriptionId: subscriptionId ?? '',
-    subscriptionStatus: invoice.status ?? undefined,
-    amountPaid: invoice.amount_paid,
-    currency: invoice.currency,
-  }
-}
diff --git a/server/apps/api/src/routes/stripe/payment-release.test.ts b/server/apps/api/src/routes/stripe/payment-release.test.ts
new file mode 100644
index 000000000..b5cbec916
--- /dev/null
+++ b/server/apps/api/src/routes/stripe/payment-release.test.ts
@@ -0,0 +1,120 @@
+import type { Database } from '../../libs/db'
+
+import Stripe from 'stripe'
+
+import { eq } from 'drizzle-orm'
+import { beforeAll, beforeEach, describe, expect, it } from 'vitest'
+
+import { mockDB } from '../../libs/mock-db'
+import { createTestRedis } from '../../libs/tests/redis'
+import { createConfigKVService } from '../../services/adapters/config-kv'
+import { createConfigKVStore } from '../../services/adapters/config-kv/store'
+import { createBillingService } from '../../services/domain/billing/billing-service'
+import { createPaymentService } from '../../services/domain/payment'
+import { createWebhookOperation } from './operations/webhook'
+
+import * as schema from '../../schemas'
+
+// https://github.com/moeru-ai/airi/pull/2335
+// ROOT CAUSE:
+// Checkout completion can precede payment. Migration snapshots also miss
+// sessions created by old replicas. Exercise signed events against the ledger.
+describe('pR #2335 payment release', () => {
+  let db: Database
+  let payment: ReturnType<typeof createPaymentService>
+  let webhook: ReturnType<typeof createWebhookOperation>
+  const stripe = new Stripe('sk_test_release')
+  const secret = 'whsec_release_test'
+
+  beforeAll(async () => {
+    db = await mockDB(schema)
+    await db.insert(schema.user).values({ id: 'release-user', name: 'Release', email: 'release@example.com' })
+  })
+
+  beforeEach(async () => {
+    await db.delete(schema.fluxTransaction)
+    await db.delete(schema.userFlux)
+    await db.delete(schema.paymentOrder)
+    await db.delete(schema.paymentCustomer)
+    await db.delete(schema.stripeCheckoutSession)
+    const redis = createTestRedis()
+    payment = createPaymentService(db, createBillingService(db, redis, createConfigKVService(createConfigKVStore(db, redis))))
+    webhook = createWebhookOperation(stripe, secret, payment, db, null, null)
+  })
+
+  async function deliver(type: string, session: { id: string, payment_status: string, metadata?: { payment_order_id: string } }) {
+    const payload = JSON.stringify({ id: `evt_${type}`, object: 'event', type, data: { object: {
+      object: 'checkout.session',
+      mode: 'payment',
+      status: 'complete',
+      amount_total: 300,
+      currency: 'usd',
+      customer: 'cus_release',
+      ...session,
+    } } })
+    const signature = stripe.webhooks.generateTestHeaderString({ payload, secret })
+    return webhook(signature, payload)
+  }
+
+  async function pending() {
+    return payment.openPending({ userId: 'release-user', processor: 'stripe', packKey: 'flux-500', fluxAmount: 500 })
+  }
+
+  it('does not grant an unpaid completed session', async () => {
+    const order = await pending()
+    await deliver('checkout.session.completed', { id: 'cs_unpaid', payment_status: 'unpaid', metadata: { payment_order_id: order.id } })
+    expect(await db.select().from(schema.fluxTransaction)).toHaveLength(0)
+    const [stored] = await db.select().from(schema.paymentOrder)
+    expect(stored.status).toBe('pending')
+  })
+
+  it('grants async success exactly once', async () => {
+    const order = await pending()
+    const session = { id: 'cs_async', payment_status: 'paid', metadata: { payment_order_id: order.id } }
+    await deliver('checkout.session.async_payment_succeeded', session)
+    await deliver('checkout.session.async_payment_succeeded', session)
+    const ledger = await db.select().from(schema.fluxTransaction)
+    expect(ledger).toHaveLength(1)
+    expect(ledger[0].amount).toBe(500)
+  })
+
+  it('adopts a session created by an old replica after migration', async () => {
+    await db.insert(schema.stripeCheckoutSession).values({
+      id: 'old-order',
+      userId: 'release-user',
+      stripeSessionId: 'cs_old',
+      mode: 'payment',
+      metadata: JSON.stringify({ userId: 'release-user', fluxAmount: '500' }),
+    })
+    await deliver('checkout.session.completed', { id: 'cs_old', payment_status: 'paid' })
+    await deliver('checkout.session.completed', { id: 'cs_old', payment_status: 'paid' })
+    const ledger = await db.select().from(schema.fluxTransaction)
+    expect(ledger).toHaveLength(1)
+    expect(ledger[0].amount).toBe(500)
+  })
+
+  it('does not mutate archived orders or grant after deletion', async () => {
+    const order = await pending()
+    await payment.deleteAllForUser('release-user')
+    await deliver('checkout.session.completed', { id: 'cs_deleted', payment_status: 'paid', metadata: { payment_order_id: order.id } })
+    expect(await db.select().from(schema.fluxTransaction)).toHaveLength(0)
+    const [stored] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, order.id))
+    expect(stored.status).toBe('pending')
+    expect(await db.select().from(schema.paymentCustomer)).toHaveLength(0)
+  })
+  it('does not credit again when an old replica settled after the migration snapshot', async () => {
+    const order = await pending()
+    await payment.bindProcessorOrder(order.id, { processorOrderId: 'cs_old_paid' })
+    await db.insert(schema.stripeCheckoutSession).values({ id: 'old-paid', userId: 'release-user', stripeSessionId: 'cs_old_paid', mode: 'payment', fluxCredited: true })
+    await deliver('checkout.session.completed', { id: 'cs_old_paid', payment_status: 'paid' })
+    expect(await db.select().from(schema.fluxTransaction)).toHaveLength(0)
+    const [stored] = await db.select().from(schema.paymentOrder)
+    expect(stored.status).toBe('paid')
+  })
+
+  it('rejects a receipt for a different processor', async () => {
+    const order = await pending()
+    await expect(payment.settle({ kind: 'claim', processor: 'steam', paymentOrderId: order.id, processorOrderId: 'other', status: 'paid' })).rejects.toThrow('Payment receipt does not match order')
+    expect(await db.select().from(schema.fluxTransaction)).toHaveLength(0)
+  })
+})
diff --git a/server/apps/api/src/routes/stripe/price-catalog.test.ts b/server/apps/api/src/routes/stripe/price-catalog.test.ts
new file mode 100644
index 000000000..554679c13
--- /dev/null
+++ b/server/apps/api/src/routes/stripe/price-catalog.test.ts
@@ -0,0 +1,78 @@
+import type { ConfigDefinitions } from '../../services/adapters/config-kv'
+
+import { describe, expect, it, vi } from 'vitest'
+
+import { createTestRedis } from '../../libs/tests/redis'
+import { listStripePackages } from './price-catalog'
+
+const starterPack: ConfigDefinitions['FLUX_PACKS'][number] = {
+  key: 'starter',
+  name: '500 Flux',
+  fluxAmount: 500,
+  recommended: true,
+  processors: { stripe: { priceId: 'price_starter' } },
+}
+
+function createStripe(retrieve: ReturnType<typeof vi.fn>) {
+  return {
+    prices: { retrieve },
+  } as never
+}
+
+describe('listStripePackages', () => {
+  it('lists Stripe prices including extra currencies', async () => {
+    const retrieve = vi.fn(async (priceId: string) => ({
+      id: priceId,
+      currency: 'usd',
+      unit_amount: 500,
+      currency_options: { jpy: { unit_amount: 500 } },
+    }))
+
+    await expect(listStripePackages(createStripe(retrieve), createTestRedis(), [starterPack])).resolves.toEqual([{
+      packKey: 'starter',
+      stripePriceId: 'price_starter',
+      label: '500 Flux',
+      defaultCurrency: 'usd',
+      currencies: { usd: '$5.00', jpy: '¥500' },
+      recommended: true,
+    }])
+  })
+
+  it('reuses the Stripe price cache for the same price id set', async () => {
+    const retrieve = vi.fn(async () => ({
+      id: 'price_starter',
+      currency: 'usd',
+      unit_amount: 500,
+      currency_options: {},
+    }))
+    const redis = createTestRedis()
+
+    await listStripePackages(createStripe(retrieve), redis, [starterPack])
+    await listStripePackages(createStripe(retrieve), redis, [starterPack])
+    expect(retrieve).toHaveBeenCalledTimes(1)
+  })
+
+  it('skips a pack when price lookup fails', async () => {
+    const retrieve = vi.fn(async () => {
+      throw new Error('no such price')
+    })
+
+    await expect(listStripePackages(createStripe(retrieve), createTestRedis(), [starterPack])).resolves.toEqual([])
+  })
+})
+
+// https://github.com/moeru-ai/airi/pull/2335
+it('refreshes a renamed pack without waiting for the price cache', async () => {
+  const retrieve = vi.fn(async () => ({ id: 'price_starter', currency: 'usd', unit_amount: 500, currency_options: {} }))
+  const redis = createTestRedis()
+  await listStripePackages(createStripe(retrieve), redis, [starterPack])
+  const items = await listStripePackages(createStripe(retrieve), redis, [{ ...starterPack, key: 'renamed', name: 'New name', recommended: false }])
+  expect(items[0]).toMatchObject({ packKey: 'renamed', label: 'New name', recommended: false })
+})
+
+it('does not cache a transient lookup failure', async () => {
+  const retrieve = vi.fn().mockRejectedValueOnce(new Error('timeout')).mockResolvedValue({ id: 'price_starter', currency: 'usd', unit_amount: 500, currency_options: {} })
+  const redis = createTestRedis()
+  await listStripePackages(createStripe(retrieve), redis, [starterPack])
+  expect(await listStripePackages(createStripe(retrieve), redis, [starterPack])).toHaveLength(1)
+})
diff --git a/server/apps/api/src/routes/stripe/price-catalog.ts b/server/apps/api/src/routes/stripe/price-catalog.ts
index 65159f2fc..6801de989 100644
--- a/server/apps/api/src/routes/stripe/price-catalog.ts
+++ b/server/apps/api/src/routes/stripe/price-catalog.ts
@@ -1,140 +1,85 @@
 import type Redis from 'ioredis'
 import type Stripe from 'stripe'
 
-import { useLogger } from '@guiiai/logg'
+import type { ConfigDefinitions } from '../../services/adapters/config-kv'
 
+import { useLogger } from '@guiiai/logg'
+import { array, boolean, object, record, safeParse, string } from 'valibot'
+
+import { formatPrice } from '../../utils/format-price'
 import { redisKeyFrom } from '../../utils/redis-keys'
 
-const logger = useLogger('stripe')
+const logger = useLogger('stripe.catalog')
 
-const PRICES_CACHE_KEY = redisKeyFrom('cache', 'stripe', 'prices')
+/** Display prices stay 5 minutes old. */
 const PRICES_CACHE_TTL_SEC = 5 * 60
+const PRICES_CACHE_KEY = redisKeyFrom('cache', 'stripe', 'prices', 'v2')
 
-interface CachedCurrencyOption {
-  unitAmount: number | null
-}
+const packageSchema = object({
+  packKey: string(),
+  stripePriceId: string(),
+  label: string(),
+  defaultCurrency: string(),
+  currencies: record(string(), string()),
+  recommended: boolean(),
+})
+const cacheSchema = object({ cacheKey: string(), items: array(packageSchema) })
 
-export interface CachedPrice {
-  id: string
-  unitAmount: number | null
-  currency: string
-  product: string
-  active: boolean
-  metadata: Record<string, string>
-  currencyOptions: Record<string, CachedCurrencyOption>
-}
+export async function listStripePackages(
+  stripe: Stripe | null,
+  redis: Redis,
+  packs: ConfigDefinitions['FLUX_PACKS'],
+) {
+  if (!stripe)
+    return []
 
-export interface StripePriceCatalog {
-  getActivePrices: (productId: string) => Promise<CachedPrice[]>
-  findActivePrice: (productId: string, stripePriceId: string) => Promise<CachedPrice | null>
-}
-
-/**
- * Creates a Stripe price catalog backed by Redis.
- *
- * Use when:
- * - Listing public Flux packages.
- * - Validating checkout price ids before creating Stripe sessions.
- *
- * Expects:
- * - A configured Stripe client and Redis connection.
- *
- * Returns:
- * - Cached active prices for a single configured product.
- */
-export function createStripePriceCatalog(stripe: Stripe, redis: Redis): StripePriceCatalog {
-  return {
-    async getActivePrices(productId: string): Promise<CachedPrice[]> {
-      const cached = await redis.get(PRICES_CACHE_KEY)
-      if (cached) {
-        try {
-          const parsed = JSON.parse(cached) as { productId: string, prices: CachedPrice[] }
-          if (parsed.productId === productId)
-            return parsed.prices
-        }
-        catch { /* corrupted cache, refetch */ }
-      }
-
-      let result: Stripe.ApiList<Stripe.Price>
-      try {
-        result = await stripe.prices.list({ product: productId, active: true, expand: ['data.currency_options'] })
-      }
-      catch (err) {
-        logger.withError(err).warn('Failed to fetch prices from Stripe')
-        return []
-      }
-
-      const prices = result.data
-        .sort((a, b) => (a.unit_amount ?? 0) - (b.unit_amount ?? 0))
-        .map(toCachedPrice)
-
-      await redis.set(PRICES_CACHE_KEY, JSON.stringify({ productId, prices }), 'EX', PRICES_CACHE_TTL_SEC)
-      return prices
-    },
-
-    async findActivePrice(productId: string, stripePriceId: string): Promise<CachedPrice | null> {
-      // Validate against cached prices first, fall back to direct Stripe API.
-      const cachedPrices = await this.getActivePrices(productId)
-      const cached = cachedPrices.find(p => p.id === stripePriceId)
-      if (cached)
-        return cached
-
-      // Cache miss — price may have just been created.
-      let fetched: Stripe.Price
-      try {
-        fetched = await stripe.prices.retrieve(stripePriceId)
-      }
-      catch {
-        return null
-      }
-
-      const fetchedProductId = typeof fetched.product === 'string' ? fetched.product : fetched.product.id
-      if (!fetched.active || fetchedProductId !== productId)
-        return null
-
-      // Invalidate cache so all instances pick up the new price.
-      await redis.del(PRICES_CACHE_KEY)
-      return toCachedPrice(fetched)
-    },
+  const cacheKey = JSON.stringify(packs)
+  const cached = await redis.get(PRICES_CACHE_KEY)
+  if (cached) {
+    try {
+      const parsed = safeParse(cacheSchema, JSON.parse(cached))
+      if (parsed.success && parsed.output.cacheKey === cacheKey)
+        return parsed.output.items
+    }
+    catch { /* corrupted cache, refetch */ }
   }
-}
 
-function toCachedPrice(price: Stripe.Price): CachedPrice {
-  return {
-    id: price.id,
-    unitAmount: price.unit_amount,
-    currency: price.currency,
-    product: typeof price.product === 'string' ? price.product : price.product.id,
-    active: price.active,
-    metadata: price.metadata,
-    currencyOptions: Object.fromEntries(
-      Object.entries(price.currency_options ?? {}).map(([cur, opt]) => [cur, { unitAmount: opt.unit_amount }]),
-    ),
-  }
-}
+  const items = []
+  let complete = true
+  for (const pack of packs) {
+    const priceId = pack.processors.stripe?.priceId
+    if (!priceId)
+      continue
 
-/**
- * Format Stripe smallest-unit amount into a human-readable price string.
- *
- * Before:
- * - `300, "usd"`
- * - `500, "jpy"`
- *
- * After:
- * - `"$3.00"`
- * - `"¥500"`
- */
-export function formatPrice(unitAmount: number | null, currency: string): string {
-  if (unitAmount == null)
-    return currency.toUpperCase()
+    let price: Stripe.Price
+    try {
+      price = await stripe.prices.retrieve(priceId, { expand: ['currency_options'] })
+    }
+    catch (error) {
+      complete = false
+      logger.withError(error).withFields({ priceId, packKey: pack.key }).warn('Stripe price lookup skipped')
+      continue
+    }
 
-  try {
-    const formatter = new Intl.NumberFormat('en-US', { style: 'currency', currency })
-    const fractionDigits = formatter.resolvedOptions().minimumFractionDigits ?? 2
-    const amount = unitAmount / (10 ** fractionDigits)
-    return formatter.format(amount)
-  }
-  catch {
-    return `${unitAmount / 100} ${currency.toUpperCase()}`
+    const currencies: Record<string, string> = {
+      [price.currency]: formatPrice(price.unit_amount, price.currency),
+    }
+    for (const [currency, option] of Object.entries(price.currency_options ?? {})) {
+      currencies[currency] = formatPrice(option.unit_amount, currency)
+    }
+
+    items.push({
+      packKey: pack.key,
+      stripePriceId: priceId,
+      label: pack.name,
+      defaultCurrency: price.currency,
+      currencies,
+      recommended: pack.recommended,
+    })
   }
+
+  // A transient provider failure must not hide a pack for the full cache TTL.
+  if (complete)
+    await redis.set(PRICES_CACHE_KEY, JSON.stringify({ cacheKey, items }), 'EX', PRICES_CACHE_TTL_SEC)
+  return items
 }
diff --git a/server/apps/api/src/routes/stripe/route.test.ts b/server/apps/api/src/routes/stripe/route.test.ts
index f250f0033..7cac4fe21 100644
--- a/server/apps/api/src/routes/stripe/route.test.ts
+++ b/server/apps/api/src/routes/stripe/route.test.ts
@@ -1,153 +1,101 @@
-import type { StripeCheckoutSession, StripeInvoice } from '../../schemas/stripe'
+import type { Database } from '../../libs/db'
 import type { ConfigKVService } from '../../services/adapters/config-kv'
-import type { BillingService } from '../../services/domain/billing/billing-service'
-import type { FluxService } from '../../services/domain/flux'
-import type { StripeService } from '../../services/domain/stripe'
+import type { PaymentService } from '../../services/domain/payment'
 import type { HonoEnv } from '../../types/hono'
 
 import { Hono } from 'hono'
 import { describe, expect, it, vi } from 'vitest'
 
-import { createStripeRoutes, formatPrice } from '.'
+import { createStripeRoutes } from '.'
 import { createTestRedis } from '../../libs/tests/redis'
 import { ApiError } from '../../utils/error'
-import { createCheckoutOperation } from './operations/checkout'
 import { createWebhookOperation } from './operations/webhook'
 
-// --- Mock helpers ---
-
-function createMockFluxService(): FluxService {
+function unusedWebhookDb(): Database {
   return {
-    getFlux: vi.fn(async () => ({ userId: 'user-1', flux: 100 })),
-    updateStripeCustomerId: vi.fn(),
-  } as any
+    select: () => {
+      throw new Error('db should not be queried for new Sessions')
+    },
+  } as unknown as Database
 }
 
-function createMockStripeService(overrides: Partial<StripeService> = {}): StripeService {
+function webhookDbWithoutOrder(): Database {
   return {
-    upsertCustomer: vi.fn(async data => ({ id: 'id-1', createdAt: new Date(), updatedAt: new Date(), ...data })),
-    getCustomerByUserId: vi.fn(async () => undefined),
-    getCustomerByStripeId: vi.fn(async () => undefined),
-    upsertCheckoutSession: vi.fn(async data => ({ id: 'id-1', fluxCredited: false, createdAt: new Date(), updatedAt: new Date(), ...data })),
-    getCheckoutSessionsByUserId: vi.fn(async () => []),
-    upsertSubscription: vi.fn(async data => ({ id: 'id-1', createdAt: new Date(), updatedAt: new Date(), ...data })),
-    getActiveSubscription: vi.fn(async () => undefined),
-    upsertInvoice: vi.fn(async data => ({ id: 'id-1', fluxCredited: false, createdAt: new Date(), updatedAt: new Date(), ...data })),
-    getInvoicesByUserId: vi.fn(async () => []),
-    ...overrides,
-  } as any
-}
-
-function createMockStripeCustomer(
-  overrides: Partial<NonNullable<Awaited<ReturnType<StripeService['getCustomerByStripeId']>>>> = {},
-): NonNullable<Awaited<ReturnType<StripeService['getCustomerByStripeId']>>> {
-  const now = new Date()
-  return {
-    id: 'stripe-customer-1',
-    name: null,
-    email: null,
-    createdAt: now,
-    updatedAt: now,
-    userId: 'user-1',
-    deletedAt: null,
-    stripeCustomerId: 'cus_1',
-    ...overrides,
-  }
-}
-
-function createMockBillingService(): BillingService {
-  return {
-    debitFlux: vi.fn(),
-    creditFlux: vi.fn(),
-    creditFluxFromStripeCheckout: vi.fn(async () => ({ applied: true, balanceAfter: 500 })),
-    creditFluxFromInvoice: vi.fn(async () => ({ applied: true, balanceAfter: 500 })),
-  } as any
-}
-
-function createMockConfigKV(overrides: Record<string, any> = {}): ConfigKVService {
-  const defaults: Record<string, any> = {
-    STRIPE_FLUX_PRODUCT_ID: 'prod_test_flux',
-    STRIPE_PAYMENT_METHODS: ['card'],
-    ...overrides,
-  }
-  return {
-    getOrThrow: vi.fn(async (key: string) => {
-      if (defaults[key] === undefined)
-        throw new Error(`Config key "${key}" is not set`)
-      return defaults[key]
+    select: () => ({
+      from: () => ({
+        where: () => ({
+          limit: async () => [],
+        }),
+      }),
     }),
-    getOptional: vi.fn(async (key: string) => defaults[key] ?? null),
-    get: vi.fn(async (key: string) => defaults[key]),
-    set: vi.fn(),
-  } as any
+  } as unknown as Database
+}
+
+function createMockPayment(overrides: Partial<PaymentService> = {}): PaymentService {
+  return {
+    openPending: vi.fn(async () => ({ id: 'po_mock' })),
+    bindProcessorOrder: vi.fn(async () => {}),
+    abandon: vi.fn(async () => {}),
+    settle: vi.fn(async () => ({ applied: true, userId: 'user-1', fluxAmount: 500, balanceAfter: 500 })),
+    deleteAllForUser: vi.fn(),
+    ...overrides,
+  }
+}
+
+function createMockConfigKV(overrides: Partial<ConfigKVService> = {}): ConfigKVService {
+  return {
+    getOptional: vi.fn(async (key: string) => {
+      if (key === 'FLUX_PACKS') {
+        return [{
+          key: 'starter',
+          name: '500 Flux',
+          fluxAmount: 500,
+          recommended: false,
+          processors: { stripe: { priceId: 'price_test_500' } },
+        }]
+      }
+      return null
+    }),
+    getOrThrow: vi.fn(),
+    get: vi.fn(),
+    refresh: vi.fn(),
+    invalidateCache: vi.fn(),
+    ...overrides,
+  } as ConfigKVService
 }
 
 const testEnv = {
   STRIPE_SECRET_KEY: 'sk_test_fake',
   STRIPE_WEBHOOK_SECRET: 'whsec_test_fake',
   API_SERVER_URL: 'http://localhost:8787',
+  WEB_APP_URL: 'https://airi.moeru.ai',
+  ADDITIONAL_TRUSTED_ORIGINS: [],
 } as any
 
 const testUser = { id: 'user-1', name: 'Test User', email: 'test@example.com' }
 
-function createCheckoutSession(overrides: Partial<StripeCheckoutSession> = {}): StripeCheckoutSession {
-  return {
-    id: 'checkout-1',
-    userId: 'user-1',
-    stripeSessionId: 'cs_1',
-    stripeCustomerId: null,
-    mode: 'payment',
-    status: 'open',
-    paymentStatus: null,
-    amountTotal: 500,
-    currency: 'usd',
-    successUrl: 'http://localhost/success',
-    cancelUrl: 'http://localhost/cancel',
-    stripePaymentIntentId: null,
-    stripeSubscriptionId: null,
-    fluxCredited: false,
-    metadata: null,
-    expiresAt: null,
-    createdAt: new Date(),
-    updatedAt: new Date(),
-    deletedAt: null,
-    ...overrides,
-  }
-}
-
-function createInvoice(overrides: Partial<StripeInvoice> = {}): StripeInvoice {
-  return {
-    id: 'invoice-1',
-    userId: 'user-1',
-    stripeInvoiceId: 'inv_1',
-    stripeCustomerId: null,
-    stripeSubscriptionId: null,
-    status: 'paid',
-    amountDue: 500,
-    amountPaid: 500,
-    currency: 'usd',
-    invoiceUrl: null,
-    invoicePdf: null,
-    periodStart: null,
-    periodEnd: null,
-    paidAt: null,
-    fluxCredited: false,
-    metadata: null,
-    createdAt: new Date(),
-    updatedAt: new Date(),
-    deletedAt: null,
-    ...overrides,
-  }
-}
-
 function createTestApp(
-  fluxService: FluxService,
-  stripeService: StripeService,
-  billingService: BillingService,
-  configKV: ConfigKVService,
+  payment: PaymentService,
   envOverrides: Record<string, any> = {},
+  stripe: any = {
+    prices: { retrieve: vi.fn() },
+    checkout: { sessions: { create: vi.fn() } },
+    webhooks: { constructEvent: vi.fn() },
+  },
+  configKV: ConfigKVService = createMockConfigKV(),
 ) {
-  const routes = createStripeRoutes(fluxService, stripeService, billingService, configKV, { ...testEnv, ...envOverrides }, createTestRedis())
+  const stripeClient = envOverrides.STRIPE_SECRET_KEY === '' ? null : stripe
+  const routes = createStripeRoutes(
+    payment,
+    {} as never,
+    stripeClient,
+    createTestRedis(),
+    configKV,
+    { ...testEnv, ...envOverrides },
+    null,
+    null,
+    null,
+  )
   const app = new Hono<HonoEnv>()
 
   app.onError((err, c) => {
@@ -161,12 +109,10 @@ function createTestApp(
     return c.json({ error: 'Internal Server Error', message: err.message }, 500)
   })
 
-  // Inject user from env (simulates sessionMiddleware)
   app.use('*', async (c, next) => {
     const user = (c.env as any)?.user
-    if (user) {
+    if (user)
       c.set('user', user)
-    }
     await next()
   })
 
@@ -174,97 +120,48 @@ function createTestApp(
   return app
 }
 
-// --- Tests ---
-
-describe('formatPrice', () => {
-  it('formats USD cents correctly', () => {
-    expect(formatPrice(300, 'usd')).toBe('$3.00')
-    expect(formatPrice(1200, 'usd')).toBe('$12.00')
-    expect(formatPrice(2500, 'usd')).toBe('$25.00')
-  })
-
-  it('formats CNY cents correctly', () => {
-    expect(formatPrice(2100, 'cny')).toBe('CN¥21.00')
-  })
-
-  it('formats JPY (zero-decimal currency) correctly', () => {
-    expect(formatPrice(500, 'jpy')).toBe('¥500')
-  })
-
-  it('formats GBP correctly', () => {
-    expect(formatPrice(1599, 'gbp')).toBe('£15.99')
-  })
-
-  it('returns currency code for null amount', () => {
-    expect(formatPrice(null, 'usd')).toBe('USD')
-  })
-
-  it('handles zero amount', () => {
-    expect(formatPrice(0, 'usd')).toBe('$0.00')
-  })
-})
-
 describe('stripeRoutes', () => {
   describe('gET /api/v1/stripe/packages', () => {
-    it('returns empty array when Stripe is not configured', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV({ STRIPE_FLUX_PRODUCT_ID: undefined }),
-        { STRIPE_SECRET_KEY: '' },
-      )
+    it('returns ConfigKV packs with Stripe display prices', async () => {
+      const stripe = {
+        prices: {
+          retrieve: vi.fn(async () => ({
+            id: 'price_test_500',
+            currency: 'usd',
+            unit_amount: 500,
+            currency_options: {},
+          })),
+        },
+        webhooks: { constructEvent: vi.fn() },
+      }
+      const app = createTestApp(createMockPayment(), {}, stripe)
 
       const res = await app.request('/api/v1/stripe/packages')
       expect(res.status).toBe(200)
-      expect(await res.json()).toEqual([])
+      expect(await res.json()).toEqual([{
+        packKey: 'starter',
+        stripePriceId: 'price_test_500',
+        label: '500 Flux',
+        defaultCurrency: 'usd',
+        currencies: { usd: '$5.00' },
+        recommended: false,
+      }])
     })
   })
 
   describe('pOST /api/v1/stripe/checkout', () => {
     it('returns 401 when unauthenticated', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
+      const app = createTestApp(createMockPayment())
       const res = await app.request('/api/v1/stripe/checkout', {
         method: 'POST',
         headers: { 'Content-Type': 'application/json' },
-        body: JSON.stringify({ stripePriceId: 'price_test_500' }),
+        body: JSON.stringify({ packKey: 'starter' }),
       })
       expect(res.status).toBe(401)
     })
 
-    it('returns 400 for empty stripePriceId', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.fetch(
-        new Request('http://localhost/api/v1/stripe/checkout', {
-          method: 'POST',
-          headers: { 'Content-Type': 'application/json' },
-          body: JSON.stringify({ stripePriceId: '' }),
-        }),
-        { user: testUser } as any,
-      )
-      expect(res.status).toBe(400)
-    })
-
-    it('returns 400 for missing stripePriceId', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
+    it('returns 400 for an empty body', async () => {
+      const app = createTestApp(createMockPayment())
       const res = await app.fetch(
         new Request('http://localhost/api/v1/stripe/checkout', {
           method: 'POST',
@@ -275,258 +172,41 @@ describe('stripeRoutes', () => {
       )
       expect(res.status).toBe(400)
     })
-
-    it('returns 503 when Stripe is not configured', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV({ STRIPE_FLUX_PRODUCT_ID: undefined }),
-        { STRIPE_SECRET_KEY: '' },
-      )
-
-      const res = await app.fetch(
-        new Request('http://localhost/api/v1/stripe/checkout', {
-          method: 'POST',
-          headers: { 'Content-Type': 'application/json' },
-          body: JSON.stringify({ stripePriceId: 'price_test_500' }),
-        }),
-        { user: testUser } as any,
-      )
-      expect(res.status).toBe(503)
-    })
-
-    it('stores browser OpenPanel identity in Stripe checkout metadata', async () => {
-      const createSession = vi.fn(async input => ({
-        id: 'cs_1',
-        url: 'https://checkout.stripe.com/cs_1',
-        customer: null,
-        mode: 'payment',
-        status: 'open',
-        payment_status: 'unpaid',
-        amount_total: 500,
-        currency: 'usd',
-        success_url: 'http://localhost/settings/flux?success=true',
-        cancel_url: 'http://localhost/settings/flux?canceled=true',
-        payment_intent: null,
-        subscription: null,
-        metadata: input.metadata,
-        expires_at: null,
-      }))
-      const productEventService = { track: vi.fn() }
-      const operation = createCheckoutOperation({
-        stripe: {
-          checkout: {
-            sessions: {
-              create: createSession,
-            },
-          },
-        } as any,
-        priceCatalog: {
-          findActivePrice: vi.fn(async () => ({
-            id: 'price_test_500',
-            currency: 'usd',
-            unitAmount: 500,
-            currencyOptions: {},
-            metadata: { fluxAmount: '500' },
-          })),
-          getActivePrices: vi.fn(),
-        } as any,
-        stripeService: createMockStripeService(),
-        configKV: createMockConfigKV({ STRIPE_PAYMENT_METHODS: undefined }),
-        env: testEnv,
-        productEventService: productEventService as any,
-      })
-
-      await operation({
-        user: testUser as any,
-        body: { stripePriceId: 'price_test_500' },
-        request: new Request('http://localhost/api/v1/stripe/checkout', {
-          headers: {
-            'x-openpanel-device-id': 'anon-browser-1',
-            'x-openpanel-session-id': 'ph-session-1',
-          },
-        }),
-      })
-
-      expect(createSession).toHaveBeenCalledWith(expect.objectContaining({
-        metadata: {
-          userId: 'user-1',
-          fluxAmount: '500',
-          openpanelDeviceId: 'anon-browser-1',
-          openpanelSessionId: 'ph-session-1',
-        },
-      }))
-      expect(productEventService.track).toHaveBeenCalledWith(expect.objectContaining({
-        userId: 'user-1',
-        action: 'checkout_started',
-        metadata: expect.objectContaining({
-          openpanel_device_id: 'anon-browser-1',
-          openpanel_session_id: 'ph-session-1',
-        }),
-      }))
-    })
-  })
-
-  describe('gET /api/v1/stripe/orders', () => {
-    it('returns 401 when unauthenticated', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.request('/api/v1/stripe/orders')
-      expect(res.status).toBe(401)
-    })
-
-    it('returns checkout sessions for the authenticated user', async () => {
-      const mockSessions = [
-        createCheckoutSession({ id: '1', stripeSessionId: 'cs_1', status: 'complete' }),
-        createCheckoutSession({ id: '2', stripeSessionId: 'cs_2', status: 'open' }),
-      ]
-      const stripeService = createMockStripeService({
-        getCheckoutSessionsByUserId: vi.fn(async () => mockSessions),
-      })
-      const app = createTestApp(
-        createMockFluxService(),
-        stripeService,
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.fetch(
-        new Request('http://localhost/api/v1/stripe/orders'),
-        { user: testUser } as any,
-      )
-      expect(res.status).toBe(200)
-
-      const data = await res.json()
-      expect(data).toHaveLength(2)
-      expect(stripeService.getCheckoutSessionsByUserId).toHaveBeenCalledWith('user-1')
-    })
-  })
-
-  describe('gET /api/v1/stripe/invoices', () => {
-    it('returns 401 when unauthenticated', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.request('/api/v1/stripe/invoices')
-      expect(res.status).toBe(401)
-    })
-
-    it('returns invoices for the authenticated user', async () => {
-      const mockInvoices = [createInvoice({ id: '1', stripeInvoiceId: 'inv_1', status: 'paid' })]
-      const stripeService = createMockStripeService({
-        getInvoicesByUserId: vi.fn(async () => mockInvoices),
-      })
-      const app = createTestApp(
-        createMockFluxService(),
-        stripeService,
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.fetch(
-        new Request('http://localhost/api/v1/stripe/invoices'),
-        { user: testUser } as any,
-      )
-      expect(res.status).toBe(200)
-
-      const data = await res.json()
-      expect(data).toHaveLength(1)
-      expect(stripeService.getInvoicesByUserId).toHaveBeenCalledWith('user-1')
-    })
-  })
-
-  describe('pOST /api/v1/stripe/portal', () => {
-    it('returns 401 when unauthenticated', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.request('/api/v1/stripe/portal', { method: 'POST' })
-      expect(res.status).toBe(401)
-    })
-
-    it('returns 400 when user has no billing account', async () => {
-      const stripeService = createMockStripeService({
-        getCustomerByUserId: vi.fn(async () => undefined),
-      })
-      const app = createTestApp(
-        createMockFluxService(),
-        stripeService,
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
-      const res = await app.fetch(
-        new Request('http://localhost/api/v1/stripe/portal', { method: 'POST' }),
-        { user: testUser } as any,
-      )
-      expect(res.status).toBe(400)
-
-      const data = await res.json() as any
-      expect(data.error).toBe('NO_CUSTOMER')
-    })
   })
 
   describe('pOST /api/v1/stripe/webhook', () => {
     it('returns 400 when signature is missing', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
+      const app = createTestApp(createMockPayment())
       const res = await app.request('/api/v1/stripe/webhook', {
         method: 'POST',
         body: '{}',
       })
       expect(res.status).toBe(400)
-
       const data = await res.json() as any
       expect(data.error).toBe('MISSING_SIGNATURE')
     })
 
     it('returns 400 when signature is invalid', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-      )
-
+      const stripe = {
+        webhooks: {
+          constructEvent: vi.fn(() => {
+            throw new Error('bad sig')
+          }),
+        },
+      }
+      const app = createTestApp(createMockPayment(), {}, stripe)
       const res = await app.request('/api/v1/stripe/webhook', {
         method: 'POST',
         headers: { 'stripe-signature': 'invalid_sig' },
         body: '{}',
       })
       expect(res.status).toBe(400)
-
       const data = await res.json() as any
       expect(data.error).toBe('WEBHOOK_ERROR')
     })
 
     it('returns 503 when Stripe is not configured', async () => {
-      const app = createTestApp(
-        createMockFluxService(),
-        createMockStripeService(),
-        createMockBillingService(),
-        createMockConfigKV(),
-        { STRIPE_SECRET_KEY: '', STRIPE_WEBHOOK_SECRET: '' },
-      )
-
+      const app = createTestApp(createMockPayment(), { STRIPE_SECRET_KEY: '', STRIPE_WEBHOOK_SECRET: '' })
       const res = await app.request('/api/v1/stripe/webhook', {
         method: 'POST',
         headers: { 'stripe-signature': 'test_sig' },
@@ -535,7 +215,7 @@ describe('stripeRoutes', () => {
       expect(res.status).toBe(503)
     })
 
-    it('records payment completion with Stripe and OpenPanel identity from checkout metadata', async () => {
+    it('settles a paid checkout session', async () => {
       const checkoutEvent = {
         id: 'evt_checkout_completed',
         type: 'checkout.session.completed',
@@ -543,183 +223,105 @@ describe('stripeRoutes', () => {
           object: {
             id: 'cs_1',
             customer: 'cus_1',
-            customer_email: 'test@example.com',
             mode: 'payment',
             status: 'complete',
             payment_status: 'paid',
             amount_total: 500,
             currency: 'usd',
-            success_url: 'http://localhost/settings/flux?success=true',
-            cancel_url: 'http://localhost/settings/flux?canceled=true',
-            payment_intent: 'pi_1',
-            subscription: null,
             metadata: {
-              userId: 'user-1',
-              fluxAmount: '500',
+              payment_order_id: 'po_1',
+              packKey: 'starter',
               openpanelDeviceId: 'anon-browser-1',
               openpanelSessionId: 'ph-session-1',
             },
-            expires_at: null,
           },
         },
       }
+      const payment = createMockPayment()
       const productEventService = { track: vi.fn() }
-      const billingService = createMockBillingService()
-      const webhook = createWebhookOperation({
-        stripe: {
+      const webhook = createWebhookOperation(
+        {
           webhooks: {
             constructEvent: vi.fn(() => checkoutEvent),
           },
         } as any,
-        webhookSecret: 'whsec_test',
-        fluxService: createMockFluxService(),
-        stripeService: createMockStripeService(),
-        billingService,
-        productEventService: productEventService as any,
-      })
+        'whsec_test',
+        payment,
+        unusedWebhookDb(),
+        null,
+        productEventService as any,
+      )
 
-      await webhook({ signature: 'test_sig', body: '{}' })
+      await webhook('test_sig', '{}')
 
-      expect(billingService.creditFluxFromStripeCheckout).toHaveBeenCalledWith(expect.objectContaining({
-        stripeEventId: 'evt_checkout_completed',
-        userId: 'user-1',
-        stripeSessionId: 'cs_1',
-        fluxAmount: 500,
-      }))
-      expect(productEventService.track).toHaveBeenCalledWith({
-        userId: 'user-1',
-        feature: 'billing',
-        action: 'payment_completed',
-        status: 'succeeded',
-        eventId: 'cs_1',
-        source: 'stripe.webhook',
-        metadata: {
-          amount_total: 500,
-          currency: 'usd',
-          flux_amount: 500,
-          stripe_checkout_session_id: 'cs_1',
-          stripe_customer_id: 'cus_1',
-          openpanel_device_id: 'anon-browser-1',
-          openpanel_session_id: 'ph-session-1',
-        },
-      })
-
-      vi.mocked(billingService.creditFluxFromStripeCheckout).mockResolvedValueOnce({ applied: false })
-      await webhook({ signature: 'test_sig', body: '{}' })
-      expect(productEventService.track).toHaveBeenCalledTimes(1)
-    })
-
-    it('processes subscription lifecycle webhooks without product events', async () => {
-      const subscriptionEvent = {
-        id: 'evt_sub_created',
-        type: 'customer.subscription.created',
-        data: {
-          object: {
-            id: 'sub_1',
-            customer: 'cus_1',
-            status: 'active',
-            items: {
-              data: [{
-                price: { id: 'price_1' },
-                current_period_start: 1_000,
-                current_period_end: 2_000,
-              }],
-            },
-            cancel_at_period_end: false,
-            canceled_at: null,
-            ended_at: null,
-            metadata: {},
-          },
-        },
-      }
-      const stripeService = createMockStripeService({
-        getCustomerByStripeId: vi.fn(async () => createMockStripeCustomer()),
-      })
-      const productEventService = { track: vi.fn(async () => undefined) }
-      const webhook = createWebhookOperation({
-        stripe: {
-          webhooks: {
-            constructEvent: vi.fn(() => subscriptionEvent),
-          },
-        } as any,
-        webhookSecret: 'whsec_test',
-        fluxService: createMockFluxService(),
-        stripeService,
-        billingService: createMockBillingService(),
-        productEventService: productEventService as any,
-      })
-
-      await webhook({ signature: 'test_sig', body: '{}' })
-
-      expect(stripeService.upsertSubscription).toHaveBeenCalledWith(expect.objectContaining({
-        userId: 'user-1',
-        stripeSubscriptionId: 'sub_1',
-        stripeCustomerId: 'cus_1',
-        stripePriceId: 'price_1',
-        status: 'active',
-        cancelAtPeriodEnd: false,
-      }))
-      expect(productEventService.track).not.toHaveBeenCalled()
-    })
-
-    it('records subscription renewals only for subscription-cycle paid invoices', async () => {
-      const invoiceEvent = {
-        id: 'evt_invoice_paid',
-        type: 'invoice.paid',
-        data: {
-          object: {
-            id: 'inv_1',
-            customer: 'cus_1',
-            parent: {
-              subscription_details: {
-                subscription: 'sub_1',
-              },
-            },
-            billing_reason: 'subscription_cycle',
-            status: 'paid',
-            amount_due: 1_200,
-            amount_paid: 1_200,
-            currency: 'usd',
-            hosted_invoice_url: null,
-            invoice_pdf: null,
-            period_start: 1_000,
-            period_end: 2_000,
-            status_transitions: {
-              paid_at: 1_500,
-            },
-            metadata: {},
-          },
-        },
-      }
-      const stripeService = createMockStripeService({
-        getCustomerByStripeId: vi.fn(async () => createMockStripeCustomer()),
-      })
-      const productEventService = { track: vi.fn(async () => undefined) }
-      const webhook = createWebhookOperation({
-        stripe: {
-          webhooks: {
-            constructEvent: vi.fn(() => invoiceEvent),
-          },
-        } as any,
-        webhookSecret: 'whsec_test',
-        fluxService: createMockFluxService(),
-        stripeService,
-        billingService: createMockBillingService(),
-        productEventService: productEventService as any,
-      })
-
-      await webhook({ signature: 'test_sig', body: '{}' })
-
-      expect(stripeService.upsertInvoice).toHaveBeenCalledWith(expect.objectContaining({
-        userId: 'user-1',
-        stripeInvoiceId: 'inv_1',
-        stripeCustomerId: 'cus_1',
-        stripeSubscriptionId: 'sub_1',
+      expect(payment.settle).toHaveBeenCalledWith(expect.objectContaining({
+        kind: 'claim',
+        processor: 'stripe',
+        paymentOrderId: 'po_1',
+        processorOrderId: 'cs_1',
         status: 'paid',
-        amountDue: 1_200,
-        amountPaid: 1_200,
       }))
-      expect(productEventService.track).not.toHaveBeenCalled()
+      expect(productEventService.track).toHaveBeenCalledWith(expect.objectContaining({
+        action: 'payment_completed',
+        metadata: expect.objectContaining({
+          openpanel_device_id: 'anon-browser-1',
+          pack_key: 'starter',
+        }),
+      }))
+    })
+
+    it('ignores unknown events and does not settle', async () => {
+      const payment = createMockPayment()
+      const webhook = createWebhookOperation(
+        {
+          webhooks: {
+            constructEvent: vi.fn(() => ({
+              id: 'evt_charge',
+              type: 'charge.succeeded',
+              data: { object: { id: 'ch_1' } },
+            })),
+          },
+        } as any,
+        'whsec_test',
+        payment,
+        unusedWebhookDb(),
+        null,
+        null,
+      )
+
+      await webhook('test_sig', '{}')
+      expect(payment.settle).not.toHaveBeenCalled()
+    })
+
+    it('acknowledges a checkout session that is not an AIRI order', async () => {
+      const payment = createMockPayment()
+      const webhook = createWebhookOperation(
+        {
+          webhooks: {
+            constructEvent: vi.fn(() => ({
+              id: 'evt_foreign',
+              type: 'checkout.session.completed',
+              data: {
+                object: {
+                  id: 'cs_foreign',
+                  payment_status: 'paid',
+                  mode: 'payment',
+                  status: 'complete',
+                  metadata: {},
+                },
+              },
+            })),
+          },
+        } as any,
+        'whsec_test',
+        payment,
+        webhookDbWithoutOrder(),
+        null,
+        null,
+      )
+
+      await expect(webhook('test_sig', '{}')).resolves.toEqual({ received: true })
+      expect(payment.settle).not.toHaveBeenCalled()
     })
   })
 })
diff --git a/server/apps/api/src/routes/stripe/schema.ts b/server/apps/api/src/routes/stripe/schema.ts
index a285c3772..9360a0394 100644
--- a/server/apps/api/src/routes/stripe/schema.ts
+++ b/server/apps/api/src/routes/stripe/schema.ts
@@ -1,6 +1,20 @@
-import { minLength, object, optional, pipe, string } from 'valibot'
+import { check, minLength, object, optional, pipe, string } from 'valibot'
 
-export const CheckoutBodySchema = object({
-  stripePriceId: pipe(string(), minLength(1)),
-  currency: optional(string()),
-})
+// NOTICE:
+// Previous-version clients send stripePriceId. Current clients send packKey.
+// Checkout accepts exactly one of these fields so both clients can open a session.
+// Remove stripePriceId after previous-version clients ship packKey.
+export const CheckoutBodySchema = pipe(
+  object({
+    packKey: optional(pipe(string(), minLength(1))),
+    stripePriceId: optional(pipe(string(), minLength(1))),
+    currency: optional(string()),
+  }),
+  check(
+    (value) => {
+      const selected = [value.packKey, value.stripePriceId].filter(Boolean)
+      return selected.length === 1
+    },
+    'Provide exactly one of packKey or stripePriceId',
+  ),
+)
diff --git a/server/apps/api/src/schemas/flux.ts b/server/apps/api/src/schemas/flux.ts
index c2933d215..f6b8db38b 100644
--- a/server/apps/api/src/schemas/flux.ts
+++ b/server/apps/api/src/schemas/flux.ts
@@ -6,6 +6,8 @@ import { bigint, pgTable, text, timestamp } from 'drizzle-orm/pg-core'
 export const userFlux = pgTable('user_flux', {
   userId: text('user_id').primaryKey(),
   flux: bigint('flux', { mode: 'number' }).notNull().default(0),
+  // NOTICE:
+  // Unused at runtime. Keep the column so drizzle-kit does not emit DROP.
   stripeCustomerId: text('stripe_customer_id'),
   updatedAt: timestamp('updated_at').defaultNow().notNull(),
   deletedAt: timestamp('deleted_at'),
diff --git a/server/apps/api/src/schemas/index.ts b/server/apps/api/src/schemas/index.ts
index 575579831..a2eb974ff 100644
--- a/server/apps/api/src/schemas/index.ts
+++ b/server/apps/api/src/schemas/index.ts
@@ -4,6 +4,7 @@ export * from './config-kv'
 export * from './flux'
 export * from './flux-transaction'
 export * from './llm-request-log'
+export * from './payment'
 export * from './provider-catalog'
 export * from './providers'
 export * from './stripe'
diff --git a/server/apps/api/src/schemas/payment.ts b/server/apps/api/src/schemas/payment.ts
new file mode 100644
index 000000000..b79223ba8
--- /dev/null
+++ b/server/apps/api/src/schemas/payment.ts
@@ -0,0 +1,55 @@
+import type { InferInsertModel, InferSelectModel } from 'drizzle-orm'
+
+import { sql } from 'drizzle-orm'
+import { bigint, index, integer, jsonb, pgTable, text, timestamp, uniqueIndex } from 'drizzle-orm/pg-core'
+
+import { nanoid } from '../utils/id'
+
+// NOTICE: bare userId is intentional — no FK to user.id. better-auth hard-deletes
+// the user row; a cascade would wipe these soft-delete archive rows kept for
+// billing audit. See `server/apps/api/docs/ai-context/account-deletion.md`.
+
+export const paymentOrder = pgTable('payment_order', {
+  id: text('id').primaryKey().$defaultFn(() => nanoid()),
+  userId: text('user_id').notNull(),
+  processor: text('processor').notNull(),
+  processorOrderId: text('processor_order_id'),
+  status: text('status').notNull(),
+  amount: integer('amount'),
+  currency: text('currency'),
+  packKey: text('pack_key'),
+  fluxAmount: bigint('flux_amount', { mode: 'number' }),
+  creditedAt: timestamp('credited_at'),
+  processorData: jsonb('processor_data').$type<Record<string, unknown>>(),
+  createdAt: timestamp('created_at').defaultNow().notNull(),
+  updatedAt: timestamp('updated_at').defaultNow().notNull(),
+  deletedAt: timestamp('deleted_at'),
+}, table => [
+  uniqueIndex('payment_order_processor_order_uidx')
+    .on(table.processor, table.processorOrderId)
+    .where(sql`processor_order_id IS NOT NULL`),
+  index('payment_order_user_id_idx').on(table.userId),
+])
+
+export const paymentCustomer = pgTable('payment_customer', {
+  id: text('id').primaryKey().$defaultFn(() => nanoid()),
+  userId: text('user_id').notNull(),
+  processor: text('processor').notNull(),
+  customerId: text('customer_id').notNull(),
+  createdAt: timestamp('created_at').defaultNow().notNull(),
+  updatedAt: timestamp('updated_at').defaultNow().notNull(),
+  deletedAt: timestamp('deleted_at'),
+}, table => [
+  uniqueIndex('payment_customer_processor_customer_uidx')
+    .on(table.processor, table.customerId)
+    .where(sql`deleted_at IS NULL`),
+  uniqueIndex('payment_customer_processor_user_uidx')
+    .on(table.processor, table.userId)
+    .where(sql`deleted_at IS NULL`),
+  index('payment_customer_user_id_idx').on(table.userId),
+])
+
+export type PaymentOrder = InferSelectModel<typeof paymentOrder>
+export type NewPaymentOrder = InferInsertModel<typeof paymentOrder>
+export type PaymentCustomer = InferSelectModel<typeof paymentCustomer>
+export type NewPaymentCustomer = InferInsertModel<typeof paymentCustomer>
diff --git a/server/apps/api/src/schemas/stripe.ts b/server/apps/api/src/schemas/stripe.ts
index b3975cd7f..e49ba21df 100644
--- a/server/apps/api/src/schemas/stripe.ts
+++ b/server/apps/api/src/schemas/stripe.ts
@@ -1,19 +1,9 @@
-import type { InferInsertModel, InferSelectModel } from 'drizzle-orm'
-
-import { user } from '@proj-airi/auth-shared'
-import { relations } from 'drizzle-orm'
 import { boolean, integer, pgTable, text, timestamp } from 'drizzle-orm/pg-core'
 
 import { nanoid } from '../utils/id'
 
-// NOTICE: bare userId is intentional — no FK to user.id. better-auth hard-deletes
-// the user row; a cascade would wipe these soft-delete archive rows kept for
-// audit / billing review.
-// See `server/apps/api/docs/ai-context/account-deletion.md`.
-
-/**
- * Stripe customers linked to our users.
- */
+// NOTICE:
+// Unused at runtime. Keep the defs so drizzle-kit does not emit DROP.
 export const stripeCustomer = pgTable('stripe_customer', {
   id: text('id').primaryKey().$defaultFn(() => nanoid()),
   userId: text('user_id').notNull(),
@@ -25,64 +15,55 @@ export const stripeCustomer = pgTable('stripe_customer', {
   deletedAt: timestamp('deleted_at'),
 })
 
-/**
- * Stripe checkout sessions – every checkout attempt is recorded.
- */
 export const stripeCheckoutSession = pgTable('stripe_checkout_session', {
   id: text('id').primaryKey().$defaultFn(() => nanoid()),
   userId: text('user_id').notNull(),
   stripeSessionId: text('stripe_session_id').notNull().unique(),
   stripeCustomerId: text('stripe_customer_id'),
-  mode: text('mode').notNull(), // 'payment' | 'subscription' | 'setup'
-  status: text('status'), // 'open' | 'complete' | 'expired'
-  paymentStatus: text('payment_status'), // 'paid' | 'unpaid' | 'no_payment_required'
-  amountTotal: integer('amount_total'), // in cents
+  mode: text('mode').notNull(),
+  status: text('status'),
+  paymentStatus: text('payment_status'),
+  amountTotal: integer('amount_total'),
   currency: text('currency'),
   successUrl: text('success_url'),
   cancelUrl: text('cancel_url'),
   stripePaymentIntentId: text('stripe_payment_intent_id'),
   stripeSubscriptionId: text('stripe_subscription_id'),
   fluxCredited: boolean('flux_credited').notNull().default(false),
-  metadata: text('metadata'), // JSON stringified
+  metadata: text('metadata'),
   expiresAt: timestamp('expires_at'),
   createdAt: timestamp('created_at').defaultNow().notNull(),
   updatedAt: timestamp('updated_at').defaultNow().notNull(),
   deletedAt: timestamp('deleted_at'),
 })
 
-/**
- * Stripe subscriptions.
- */
 export const stripeSubscription = pgTable('stripe_subscription', {
   id: text('id').primaryKey().$defaultFn(() => nanoid()),
   userId: text('user_id').notNull(),
   stripeSubscriptionId: text('stripe_subscription_id').notNull().unique(),
   stripeCustomerId: text('stripe_customer_id').notNull(),
   stripePriceId: text('stripe_price_id'),
-  status: text('status').notNull(), // 'active' | 'past_due' | 'canceled' | 'incomplete' | etc
+  status: text('status').notNull(),
   currentPeriodStart: timestamp('current_period_start'),
   currentPeriodEnd: timestamp('current_period_end'),
   cancelAtPeriodEnd: boolean('cancel_at_period_end'),
   canceledAt: timestamp('canceled_at'),
   endedAt: timestamp('ended_at'),
-  metadata: text('metadata'), // JSON stringified
+  metadata: text('metadata'),
   createdAt: timestamp('created_at').defaultNow().notNull(),
   updatedAt: timestamp('updated_at').defaultNow().notNull(),
   deletedAt: timestamp('deleted_at'),
 })
 
-/**
- * Stripe invoices – both one-time and subscription invoices.
- */
 export const stripeInvoice = pgTable('stripe_invoice', {
   id: text('id').primaryKey().$defaultFn(() => nanoid()),
   userId: text('user_id').notNull(),
   stripeInvoiceId: text('stripe_invoice_id').notNull().unique(),
   stripeCustomerId: text('stripe_customer_id'),
   stripeSubscriptionId: text('stripe_subscription_id'),
-  status: text('status'), // 'draft' | 'open' | 'paid' | 'uncollectible' | 'void'
-  amountDue: integer('amount_due'), // in cents
-  amountPaid: integer('amount_paid'), // in cents
+  status: text('status'),
+  amountDue: integer('amount_due'),
+  amountPaid: integer('amount_paid'),
   currency: text('currency'),
   invoiceUrl: text('invoice_url'),
   invoicePdf: text('invoice_pdf'),
@@ -90,46 +71,8 @@ export const stripeInvoice = pgTable('stripe_invoice', {
   periodEnd: timestamp('period_end'),
   paidAt: timestamp('paid_at'),
   fluxCredited: boolean('flux_credited').notNull().default(false),
-  metadata: text('metadata'), // JSON stringified
+  metadata: text('metadata'),
   createdAt: timestamp('created_at').defaultNow().notNull(),
   updatedAt: timestamp('updated_at').defaultNow().notNull(),
   deletedAt: timestamp('deleted_at'),
 })
-
-// ---------- Relations ----------
-
-export const stripeCustomerRelations = relations(stripeCustomer, ({ one, many }) => ({
-  user: one(user, { fields: [stripeCustomer.userId], references: [user.id] }),
-  checkoutSessions: many(stripeCheckoutSession),
-  subscriptions: many(stripeSubscription),
-  invoices: many(stripeInvoice),
-}))
-
-export const stripeCheckoutSessionRelations = relations(stripeCheckoutSession, ({ one }) => ({
-  user: one(user, { fields: [stripeCheckoutSession.userId], references: [user.id] }),
-  customer: one(stripeCustomer, { fields: [stripeCheckoutSession.stripeCustomerId], references: [stripeCustomer.stripeCustomerId] }),
-}))
-
-export const stripeSubscriptionRelations = relations(stripeSubscription, ({ one }) => ({
-  user: one(user, { fields: [stripeSubscription.userId], references: [user.id] }),
-  customer: one(stripeCustomer, { fields: [stripeSubscription.stripeCustomerId], references: [stripeCustomer.stripeCustomerId] }),
-}))
-
-export const stripeInvoiceRelations = relations(stripeInvoice, ({ one }) => ({
-  user: one(user, { fields: [stripeInvoice.userId], references: [user.id] }),
-  customer: one(stripeCustomer, { fields: [stripeInvoice.stripeCustomerId], references: [stripeCustomer.stripeCustomerId] }),
-}))
-
-// ---------- Types ----------
-
-export type StripeCustomer = InferSelectModel<typeof stripeCustomer>
-export type NewStripeCustomer = InferInsertModel<typeof stripeCustomer>
-
-export type StripeCheckoutSession = InferSelectModel<typeof stripeCheckoutSession>
-export type NewStripeCheckoutSession = InferInsertModel<typeof stripeCheckoutSession>
-
-export type StripeSubscription = InferSelectModel<typeof stripeSubscription>
-export type NewStripeSubscription = InferInsertModel<typeof stripeSubscription>
-
-export type StripeInvoice = InferSelectModel<typeof stripeInvoice>
-export type NewStripeInvoice = InferInsertModel<typeof stripeInvoice>
diff --git a/server/apps/api/src/services/adapters/config-kv/definitions.ts b/server/apps/api/src/services/adapters/config-kv/definitions.ts
index 79c96b0e4..912088ae1 100644
--- a/server/apps/api/src/services/adapters/config-kv/definitions.ts
+++ b/server/apps/api/src/services/adapters/config-kv/definitions.ts
@@ -1,6 +1,6 @@
 import type { InferOutput } from 'valibot'
 
-import { any, array, boolean, check, nonEmpty, number, object, optional, picklist, pipe, record, regex, string } from 'valibot'
+import { any, array, boolean, check, minValue, nonEmpty, number, object, optional, picklist, pipe, record, regex, safeInteger, string } from 'valibot'
 
 /**
  * LLM/TTS router config tree. Single composite entry under configKV holds the
@@ -233,6 +233,35 @@ export const llmRouterConfigSchema = object({
   defaults: llmRouterDefaultsSchema,
 })
 
+// Processor mappings stay optional so a pack can exist without a Stripe Price.
+// Checkout rejects that pack. `object()` (not `strictObject`) strips unknown
+// processor keys, so another channel can write ConfigKV before its schema lands.
+const fluxPackSchema = object({
+  key: pipe(string(), nonEmpty('FLUX_PACKS[].key must not be empty')),
+  name: pipe(string(), nonEmpty('FLUX_PACKS[].name must not be empty')),
+  fluxAmount: pipe(number(), minValue(1, 'FLUX_PACKS[].fluxAmount must be >= 1'), safeInteger()),
+  recommended: optional(boolean(), false),
+  processors: optional(object({
+    stripe: optional(object({
+      priceId: pipe(string(), nonEmpty('FLUX_PACKS[].processors.stripe.priceId must not be empty')),
+    })),
+  }), {}),
+})
+
+const fluxPacksSchema = optional(pipe(
+  array(fluxPackSchema),
+  check(
+    packs => new Set(packs.map(pack => pack.key)).size === packs.length,
+    'FLUX_PACKS[].key must be unique',
+  ),
+  check((packs) => {
+    const priceIds = packs
+      .map(pack => pack.processors.stripe?.priceId)
+      .filter((priceId): priceId is string => priceId != null)
+    return new Set(priceIds).size === priceIds.length
+  }, 'FLUX_PACKS[].processors.stripe.priceId must be unique'),
+), [])
+
 /**
  * Config entry schemas are the single source of truth for:
  * - runtime validation
@@ -247,8 +276,8 @@ export const configEntrySchemas = {
   // Debt-ledger TTL: residual TTS chars below 1 Flux are forgiven on expiry.
   // 24h gives users a long-enough window for accumulated dust to settle naturally.
   TTS_DEBT_TTL_SECONDS: optional(number(), 86400),
-  // No default — absent means top-up is not available yet
-  STRIPE_FLUX_PRODUCT_ID: optional(string()),
+  // Display prices come from Stripe Price hydration, not ConfigKV strings.
+  FLUX_PACKS: fluxPacksSchema,
   // No default — absent lets Stripe auto-select payment methods via Dashboard config
   STRIPE_PAYMENT_METHODS: optional(array(string())),
   STRIPE_PAYMENT_METHOD_OPTIONS: optional(record(string(), any()), {}),
diff --git a/server/apps/api/src/services/adapters/config-kv/index.test.ts b/server/apps/api/src/services/adapters/config-kv/index.test.ts
index 60dc23475..3181143cc 100644
--- a/server/apps/api/src/services/adapters/config-kv/index.test.ts
+++ b/server/apps/api/src/services/adapters/config-kv/index.test.ts
@@ -92,6 +92,46 @@ describe('configKVService', () => {
       })
   })
 
+  it('rejects FLUX_PACKS with duplicate keys', async () => {
+    store._store.set('FLUX_PACKS', JSON.stringify([
+      { key: 'starter', name: 'Starter', fluxAmount: 100, processors: { stripe: { priceId: 'price_a' } } },
+      { key: 'starter', name: 'Starter 2', fluxAmount: 200, processors: { stripe: { priceId: 'price_b' } } },
+    ]))
+
+    await expect(service.getOptional('FLUX_PACKS'))
+      .rejects
+      .toMatchObject({
+        statusCode: 503,
+        errorCode: 'CONFIG_INVALID',
+      })
+  })
+
+  it('rejects FLUX_PACKS with duplicate Stripe price ids', async () => {
+    store._store.set('FLUX_PACKS', JSON.stringify([
+      { key: 'starter', name: 'Starter', fluxAmount: 100, processors: { stripe: { priceId: 'price_shared' } } },
+      { key: 'plus', name: 'Plus', fluxAmount: 500, processors: { stripe: { priceId: 'price_shared' } } },
+    ]))
+
+    await expect(service.getOptional('FLUX_PACKS'))
+      .rejects
+      .toMatchObject({
+        statusCode: 503,
+        errorCode: 'CONFIG_INVALID',
+      })
+  })
+
+  it('accepts FLUX_PACKS that omit Stripe when keys are unique', async () => {
+    store._store.set('FLUX_PACKS', JSON.stringify([
+      { key: 'starter', name: 'Starter', fluxAmount: 100 },
+      { key: 'plus', name: 'Plus', fluxAmount: 500, processors: { stripe: { priceId: 'price_plus' } } },
+    ]))
+
+    await expect(service.getOptional('FLUX_PACKS')).resolves.toEqual([
+      { key: 'starter', name: 'Starter', fluxAmount: 100, recommended: false, processors: {} },
+      { key: 'plus', name: 'Plus', fluxAmount: 500, recommended: false, processors: { stripe: { priceId: 'price_plus' } } },
+    ])
+  })
+
   // https://github.com/moeru-ai/airi/pull/2445#discussion_r3913931906
   // ROOT CAUSE:
   //
@@ -342,10 +382,10 @@ describe('configKVService', () => {
   })
 
   it('refresh should bypass the ordinary store read', async () => {
-    store._store.set('STRIPE_FLUX_PRODUCT_ID', JSON.stringify('prod_abc123'))
+    store._store.set('FLUX_PER_REQUEST', '9')
 
-    await expect(service.refresh('STRIPE_FLUX_PRODUCT_ID')).resolves.toBe('prod_abc123')
-    expect(store.getFreshRaw).toHaveBeenCalledWith('STRIPE_FLUX_PRODUCT_ID')
+    await expect(service.refresh('FLUX_PER_REQUEST')).resolves.toBe(9)
+    expect(store.getFreshRaw).toHaveBeenCalledWith('FLUX_PER_REQUEST')
     expect(store.getRaw).not.toHaveBeenCalled()
   })
 })
diff --git a/server/apps/api/src/services/domain/billing/billing-service.ts b/server/apps/api/src/services/domain/billing/billing-service.ts
index 2e594caf5..b76da9ab0 100644
--- a/server/apps/api/src/services/domain/billing/billing-service.ts
+++ b/server/apps/api/src/services/domain/billing/billing-service.ts
@@ -12,10 +12,12 @@ import { userFluxRedisKey } from '../../../utils/redis-keys'
 
 import * as fluxSchema from '../../../schemas/flux'
 import * as fluxTxSchema from '../../../schemas/flux-transaction'
-import * as stripeSchema from '../../../schemas/stripe'
 
 const logger = useLogger('billing-service')
 
+/** Database handle used when Payment CORE already owns the outer transaction. */
+export type BillingTransaction = Pick<Database, 'insert' | 'update' | 'select'>
+
 export function createBillingService(
   db: Database,
   redis: Redis,
@@ -229,16 +231,21 @@ export function createBillingService(
       description: string
       source: string
       /**
-       * Ledger row `type`. Defaults to `'credit'` for backward compatibility
-       * with existing callers (Stripe top-up). Admin promo grants pass
-       * `'promo'` so reports / dashboards can distinguish them.
+       * Ledger row `type`. Defaults to `'credit'` for pack credits.
+       * Admin promo grants pass `'promo'` so reports can distinguish them.
        */
       type?: 'credit' | 'promo'
       auditMetadata?: Record<string, unknown>
+      /**
+       * When Payment CORE already opened a transaction, write through that
+       * handle and skip the Redis cache update. Caller must call
+       * `syncFluxCache` after the outer transaction commits.
+       */
+      tx?: BillingTransaction
     }): Promise<{ balanceBefore: number, balanceAfter: number, fluxTransactionId: string, idempotent: boolean }> {
       const ledgerType = input.type ?? 'credit'
 
-      const txResult = await db.transaction(async (tx) => {
+      const writeCredit = async (tx: BillingTransaction) => {
         if (input.requestId != null) {
           const [existing] = await tx
             .select({
@@ -297,7 +304,11 @@ export function createBillingService(
           fluxTransactionId: insertedTx!.id,
           idempotent: false,
         }
-      })
+      }
+
+      const txResult = input.tx
+        ? await writeCredit(input.tx)
+        : await db.transaction(async tx => writeCredit(tx))
 
       if (txResult.idempotent) {
         logger.withFields({
@@ -308,13 +319,21 @@ export function createBillingService(
         return txResult
       }
 
-      await updateRedisCache(input.userId, txResult.balanceAfter)
-      metrics?.fluxCredited.add(input.amount, { source: input.source, type: ledgerType })
+      if (!input.tx) {
+        await updateRedisCache(input.userId, txResult.balanceAfter)
+        metrics?.fluxCredited.add(input.amount, { source: input.source, type: ledgerType })
+      }
 
       logger.withFields({ userId: input.userId, amount: input.amount, balance: txResult.balanceAfter }).log('Credited flux')
       return txResult
     },
 
+    async syncFluxCache(userId: string, balance: number, credited?: { amount: number, source: string }): Promise<void> {
+      await updateRedisCache(userId, balance)
+      if (credited)
+        metrics?.fluxCredited.add(credited.amount, { source: credited.source, type: 'credit' })
+    },
+
     /**
      * Set a user's flux balance to an absolute value within a DB transaction.
      *
@@ -401,158 +420,6 @@ export function createBillingService(
 
       return txResult
     },
-
-    /**
-     * Credit flux from a Stripe checkout session (one-time payment).
-     * Idempotent: claims the checkout session row by flipping `fluxCredited`
-     * from false to true; replays of the same Stripe event observe the row
-     * already claimed and apply nothing.
-     */
-    async creditFluxFromStripeCheckout(input: {
-      stripeEventId: string
-      userId: string
-      stripeSessionId: string
-      amountTotal: number
-      currency: string | null
-      fluxAmount: number
-    }): Promise<{ applied: boolean, balanceAfter?: number }> {
-      const txResult = await db.transaction(async (tx) => {
-        // NOTICE: Webhook idempotency is enforced at the business-object level, not by a
-        // dedicated processed-events table keyed on Stripe `event.id`. We claim the
-        // checkout session row exactly once via `fluxCredited = false -> true`, which
-        // covers both Stripe retries of the same event and distinct Event objects that
-        // still refer to the same checkout session.
-        const [claimed] = await tx.update(stripeSchema.stripeCheckoutSession)
-          .set({ fluxCredited: true, updatedAt: new Date() })
-          .where(and(
-            eq(stripeSchema.stripeCheckoutSession.stripeSessionId, input.stripeSessionId),
-            eq(stripeSchema.stripeCheckoutSession.fluxCredited, false),
-          ))
-          .returning()
-
-        if (!claimed) {
-          return { applied: false }
-        }
-
-        await tx.insert(fluxSchema.userFlux)
-          .values({ userId: input.userId, flux: 0 })
-          .onConflictDoNothing({ target: fluxSchema.userFlux.userId })
-
-        const [currentFlux] = await tx
-          .select({ flux: fluxSchema.userFlux.flux })
-          .from(fluxSchema.userFlux)
-          .where(eq(fluxSchema.userFlux.userId, input.userId))
-          .for('update')
-
-        const balanceBefore = currentFlux!.flux
-        const balanceAfter = balanceBefore + input.fluxAmount
-
-        await tx.update(fluxSchema.userFlux)
-          .set({ flux: balanceAfter, updatedAt: new Date() })
-          .where(eq(fluxSchema.userFlux.userId, input.userId))
-
-        const description = `Stripe payment ${input.currency?.toUpperCase() ?? 'UNKNOWN'} ${(input.amountTotal / 100).toFixed(2)}`
-
-        await tx.insert(fluxTxSchema.fluxTransaction).values({
-          userId: input.userId,
-          type: 'credit',
-          amount: input.fluxAmount,
-          balanceBefore,
-          balanceAfter,
-          requestId: input.stripeEventId,
-          description,
-          metadata: {
-            stripeEventId: input.stripeEventId,
-            stripeSessionId: input.stripeSessionId,
-            source: 'stripe.checkout.completed',
-          },
-        })
-
-        return { applied: true, balanceAfter }
-      })
-
-      if (txResult.applied && txResult.balanceAfter != null) {
-        await updateRedisCache(input.userId, txResult.balanceAfter)
-        metrics?.fluxCredited.add(input.fluxAmount, { source: 'stripe.checkout', type: 'credit' })
-      }
-
-      return txResult
-    },
-
-    /**
-     * Credit flux from a Stripe invoice payment (subscription).
-     * Idempotent: claims the invoice row by flipping `fluxCredited`
-     * from false to true; replays observe it already claimed and apply nothing.
-     */
-    async creditFluxFromInvoice(input: {
-      stripeEventId: string
-      userId: string
-      stripeInvoiceId: string
-      amountPaid: number
-      currency: string
-      fluxAmount: number
-    }): Promise<{ applied: boolean, balanceAfter?: number }> {
-      const txResult = await db.transaction(async (tx) => {
-        // NOTICE: Invoice webhook idempotency follows the same object-level claim model
-        // as checkout sessions. We intentionally dedupe on the invoice record instead of
-        // only on Stripe `event.id`, because Stripe may emit multiple events that map to
-        // the same paid invoice while the balance must only be credited once.
-        const [claimed] = await tx.update(stripeSchema.stripeInvoice)
-          .set({ fluxCredited: true, updatedAt: new Date() })
-          .where(and(
-            eq(stripeSchema.stripeInvoice.stripeInvoiceId, input.stripeInvoiceId),
-            eq(stripeSchema.stripeInvoice.fluxCredited, false),
-          ))
-          .returning()
-
-        if (!claimed) {
-          return { applied: false }
-        }
-
-        await tx.insert(fluxSchema.userFlux)
-          .values({ userId: input.userId, flux: 0 })
-          .onConflictDoNothing({ target: fluxSchema.userFlux.userId })
-
-        const [currentFlux] = await tx
-          .select({ flux: fluxSchema.userFlux.flux })
-          .from(fluxSchema.userFlux)
-          .where(eq(fluxSchema.userFlux.userId, input.userId))
-          .for('update')
-
-        const balanceBefore = currentFlux!.flux
-        const balanceAfter = balanceBefore + input.fluxAmount
-
-        await tx.update(fluxSchema.userFlux)
-          .set({ flux: balanceAfter, updatedAt: new Date() })
-          .where(eq(fluxSchema.userFlux.userId, input.userId))
-
-        const description = `Subscription invoice ${input.currency.toUpperCase()} ${(input.amountPaid / 100).toFixed(2)}`
-
-        await tx.insert(fluxTxSchema.fluxTransaction).values({
-          userId: input.userId,
-          type: 'credit',
-          amount: input.fluxAmount,
-          balanceBefore,
-          balanceAfter,
-          requestId: input.stripeEventId,
-          description,
-          metadata: {
-            stripeEventId: input.stripeEventId,
-            stripeInvoiceId: input.stripeInvoiceId,
-            source: 'invoice.paid',
-          },
-        })
-
-        return { applied: true, balanceAfter }
-      })
-
-      if (txResult.applied && txResult.balanceAfter != null) {
-        await updateRedisCache(input.userId, txResult.balanceAfter)
-        metrics?.fluxCredited.add(input.fluxAmount, { source: 'stripe.invoice', type: 'credit' })
-      }
-
-      return txResult
-    },
   }
 }
 
diff --git a/server/apps/api/src/services/domain/billing/tests/billing-service.test.ts b/server/apps/api/src/services/domain/billing/tests/billing-service.test.ts
index 88b7f10ed..a713a7b66 100644
--- a/server/apps/api/src/services/domain/billing/tests/billing-service.test.ts
+++ b/server/apps/api/src/services/domain/billing/tests/billing-service.test.ts
@@ -44,84 +44,6 @@ describe('billingService', () => {
 
     await db.delete(schema.fluxTransaction)
     await db.delete(schema.userFlux).where(eq(schema.userFlux.userId, 'user-billing-1'))
-    await db.delete(schema.stripeCheckoutSession).where(eq(schema.stripeCheckoutSession.stripeSessionId, 'sess-billing-1'))
-
-    await db.insert(schema.stripeCheckoutSession).values({
-      userId: 'user-billing-1',
-      stripeSessionId: 'sess-billing-1',
-      mode: 'payment',
-      status: 'complete',
-      paymentStatus: 'paid',
-      amountTotal: 500,
-      currency: 'usd',
-      fluxCredited: false,
-    })
-  })
-
-  describe('creditFluxFromStripeCheckout', () => {
-    it('credits flux, records transaction, and enqueues outbox events in one transaction', async () => {
-      const result = await billingService.creditFluxFromStripeCheckout({
-        stripeEventId: 'stripe-evt-1',
-        userId: 'user-billing-1',
-        stripeSessionId: 'sess-billing-1',
-        amountTotal: 500,
-        currency: 'usd',
-        fluxAmount: 50,
-      })
-
-      expect(result).toEqual({ applied: true, balanceAfter: 50 })
-
-      const [fluxRecord] = await db.select().from(schema.userFlux).where(eq(schema.userFlux.userId, 'user-billing-1'))
-      expect(fluxRecord?.flux).toBe(50)
-
-      // Verify transaction entry
-      const txRecords = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-billing-1'))
-      expect(txRecords).toHaveLength(1)
-      expect(txRecords[0]?.type).toBe('credit')
-      expect(txRecords[0]?.amount).toBe(50)
-      expect(txRecords[0]?.balanceBefore).toBe(0)
-      expect(txRecords[0]?.balanceAfter).toBe(50)
-
-      // Verify metadata on transaction entry
-      expect(txRecords[0]?.metadata).toMatchObject({
-        stripeEventId: 'stripe-evt-1',
-        stripeSessionId: 'sess-billing-1',
-        source: 'stripe.checkout.completed',
-      })
-
-      // Verify stripe session marked as credited
-      const [sessionRecord] = await db.select().from(schema.stripeCheckoutSession).where(eq(schema.stripeCheckoutSession.stripeSessionId, 'sess-billing-1'))
-      expect(sessionRecord?.fluxCredited).toBe(true)
-
-      // Verify Redis cache updated
-      expect(set).toHaveBeenCalledWith(userFluxRedisKey('user-billing-1'), '50')
-    })
-
-    it('is idempotent when the checkout session was already credited', async () => {
-      await billingService.creditFluxFromStripeCheckout({
-        stripeEventId: 'stripe-evt-1',
-        userId: 'user-billing-1',
-        stripeSessionId: 'sess-billing-1',
-        amountTotal: 500,
-        currency: 'usd',
-        fluxAmount: 50,
-      })
-
-      const second = await billingService.creditFluxFromStripeCheckout({
-        stripeEventId: 'stripe-evt-1',
-        userId: 'user-billing-1',
-        stripeSessionId: 'sess-billing-1',
-        amountTotal: 500,
-        currency: 'usd',
-        fluxAmount: 50,
-      })
-
-      expect(second).toEqual({ applied: false })
-
-      // Idempotent replay must not double-write the ledger
-      const txRecords = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-billing-1'))
-      expect(txRecords).toHaveLength(1)
-    })
   })
 
   describe('consumeFluxForLLM', () => {
diff --git a/server/apps/api/src/services/domain/flux.test.ts b/server/apps/api/src/services/domain/flux.test.ts
index cf1f4dbb1..a4d899f2d 100644
--- a/server/apps/api/src/services/domain/flux.test.ts
+++ b/server/apps/api/src/services/domain/flux.test.ts
@@ -85,11 +85,4 @@ describe('fluxService (DB-backed)', () => {
     expect(record.flux).toBe(42)
     expect(set).toHaveBeenCalledWith(userFluxRedisKey(testUser.id), '42')
   })
-
-  it('updateStripeCustomerId should update DB only', async () => {
-    await db.insert(schema.userFlux).values({ userId: testUser.id, flux: 100 })
-
-    const result = await service.updateStripeCustomerId(testUser.id, 'cus_abc123')
-    expect(result!.stripeCustomerId).toBe('cus_abc123')
-  })
 })
diff --git a/server/apps/api/src/services/domain/flux.ts b/server/apps/api/src/services/domain/flux.ts
index fe8f39974..152790052 100644
--- a/server/apps/api/src/services/domain/flux.ts
+++ b/server/apps/api/src/services/domain/flux.ts
@@ -79,21 +79,6 @@ export function createFluxService(db: Database, redis: Redis, configKV: ConfigKV
       return record
     },
 
-    async updateStripeCustomerId(userId: string, stripeCustomerId: string) {
-      const [updated] = await db.update(schema.userFlux)
-        .set({
-          stripeCustomerId,
-          updatedAt: new Date(),
-        })
-        .where(and(
-          eq(schema.userFlux.userId, userId),
-          isNull(schema.userFlux.deletedAt),
-        ))
-        .returning()
-
-      return updated
-    },
-
     /**
      * Soft-delete the user's flux balance and drop the cached value from
      * Redis. Does NOT touch `flux_transaction` — that ledger is preserved
diff --git a/server/apps/api/src/services/domain/payment/index.ts b/server/apps/api/src/services/domain/payment/index.ts
new file mode 100644
index 000000000..245f26695
--- /dev/null
+++ b/server/apps/api/src/services/domain/payment/index.ts
@@ -0,0 +1,290 @@
+import type { Database } from '../../../libs/db'
+import type { BillingService } from '../billing/billing-service'
+import type {
+  BindProcessorOrderInput,
+  ClaimReceipt,
+  OpenPendingInput,
+  PendingPaymentOrder,
+  SettleResult,
+} from './types'
+
+import { useLogger } from '@guiiai/logg'
+import { and, eq, isNull } from 'drizzle-orm'
+
+import { stripeCheckoutSession } from '../../../schemas/stripe'
+import { createInternalError } from '../../../utils/error'
+
+import * as schema from '../../../schemas/payment'
+
+export type {
+  BindProcessorOrderInput,
+  ClaimReceipt,
+  OpenPendingInput,
+  PendingPaymentOrder,
+  SettleResult,
+} from './types'
+
+const logger = useLogger('payment')
+
+/**
+ * Payment CORE: pack grant and `payment_order` ownership.
+ *
+ * Call stack:
+ *
+ * Stripe `POST /checkout`
+ * -> {@link createPaymentService} `openPending`
+ * -> Stripe adapter creates the Checkout Session
+ * -> {@link createPaymentService} `bindProcessorOrder`
+ *
+ * Stripe `POST /webhook` (after signature verify)
+ * -> Stripe adapter maps session to {@link ClaimReceipt}
+ * -> {@link createPaymentService} `settle`
+ * -> {@link BillingService.creditFlux}
+ */
+export function createPaymentService(db: Database, billing: BillingService) {
+  async function insertPaymentCustomerIfAbsent(
+    tx: Pick<Database, 'insert' | 'select'>,
+    userId: string,
+    processor: string,
+    customerId: string,
+  ) {
+    const [existing] = await tx
+      .select({ id: schema.paymentCustomer.id })
+      .from(schema.paymentCustomer)
+      .where(and(
+        eq(schema.paymentCustomer.processor, processor),
+        eq(schema.paymentCustomer.customerId, customerId),
+        isNull(schema.paymentCustomer.deletedAt),
+      ))
+      .limit(1)
+
+    if (existing)
+      return
+
+    // Unique races must not abort the settle transaction.
+    await tx.insert(schema.paymentCustomer).values({
+      userId,
+      processor,
+      customerId,
+    }).onConflictDoNothing()
+  }
+
+  async function findLivePaymentCustomer(userId: string, processor: string) {
+    const [customer] = await db
+      .select({ customerId: schema.paymentCustomer.customerId })
+      .from(schema.paymentCustomer)
+      .where(and(
+        eq(schema.paymentCustomer.userId, userId),
+        eq(schema.paymentCustomer.processor, processor),
+        isNull(schema.paymentCustomer.deletedAt),
+      ))
+      .limit(1)
+
+    return customer?.customerId
+  }
+
+  async function claimExistingOrder(receipt: ClaimReceipt): Promise<SettleResult> {
+    const result = await db.transaction(async (tx) => {
+      const [order] = await tx
+        .select()
+        .from(schema.paymentOrder)
+        .where(eq(schema.paymentOrder.id, receipt.paymentOrderId))
+        .for('update')
+
+      if (!order)
+        throw createInternalError('Payment order not found')
+
+      if (order.processor !== receipt.processor || (order.processorOrderId && order.processorOrderId !== receipt.processorOrderId))
+        throw createInternalError('Payment receipt does not match order')
+
+      if (order.deletedAt)
+        return { applied: false as const }
+
+      switch (receipt.status) {
+        case 'paid': {
+          if (order.status === 'paid')
+            return { applied: false as const }
+
+          if (order.status !== 'pending')
+            return { applied: false as const }
+
+          // NOTICE:
+          // Old and new replicas must claim the same retained checkout row.
+          // Migration 0023 is a snapshot; an old webhook can credit after it.
+          // See BillingService.creditCheckoutSession on the pre-CORE version.
+          // Remove this claim only when all old payment writers are retired.
+          if (order.processor === 'stripe') {
+            const [legacy] = await tx.select().from(stripeCheckoutSession).where(eq(stripeCheckoutSession.stripeSessionId, receipt.processorOrderId)).for('update')
+            if (legacy?.fluxCredited) {
+              await tx.update(schema.paymentOrder).set({ status: 'paid', creditedAt: legacy.updatedAt, updatedAt: new Date() }).where(eq(schema.paymentOrder.id, order.id))
+              return { applied: false as const }
+            }
+            if (legacy) {
+              await tx.update(stripeCheckoutSession).set({ fluxCredited: true, updatedAt: new Date() }).where(eq(stripeCheckoutSession.id, legacy.id))
+            }
+          }
+
+          const fluxAmount = order.fluxAmount
+          if (fluxAmount == null || fluxAmount <= 0)
+            throw createInternalError('Payment order is missing flux_amount')
+
+          const [claimed] = await tx.update(schema.paymentOrder)
+            .set({
+              status: 'paid',
+              creditedAt: new Date(),
+              processorOrderId: receipt.processorOrderId,
+              amount: receipt.amount ?? order.amount,
+              currency: receipt.currency ?? order.currency,
+              processorData: receipt.extras ?? order.processorData,
+              updatedAt: new Date(),
+            })
+            .where(and(
+              eq(schema.paymentOrder.id, order.id),
+              eq(schema.paymentOrder.status, 'pending'),
+            ))
+            .returning()
+
+          if (!claimed)
+            return { applied: false as const }
+
+          const credit = await billing.creditFlux({
+            userId: order.userId,
+            amount: fluxAmount,
+            requestId: order.id,
+            description: `Flux pack ${claimed.packKey ?? 'unknown'}`,
+            source: 'payment.pack',
+            tx,
+          })
+
+          if (receipt.customerId) {
+            await insertPaymentCustomerIfAbsent(tx, order.userId, order.processor, receipt.customerId)
+          }
+
+          return {
+            applied: true as const,
+            userId: order.userId,
+            fluxAmount,
+            balanceAfter: credit.balanceAfter,
+          }
+        }
+        case 'canceled':
+        case 'expired': {
+          if (order.status !== 'pending')
+            return { applied: false as const }
+
+          await tx.update(schema.paymentOrder)
+            .set({
+              status: receipt.status,
+              processorOrderId: receipt.processorOrderId,
+              processorData: receipt.extras ?? order.processorData,
+              updatedAt: new Date(),
+            })
+            .where(and(
+              eq(schema.paymentOrder.id, order.id),
+              eq(schema.paymentOrder.status, 'pending'),
+            ))
+
+          return { applied: false as const }
+        }
+        default: {
+          const exhaustive: never = receipt.status
+          throw createInternalError(`Unhandled payment claim status: ${String(exhaustive)}`)
+        }
+      }
+    })
+
+    if (result.applied) {
+      await billing.syncFluxCache(result.userId, result.balanceAfter, {
+        amount: result.fluxAmount,
+        source: 'payment.pack',
+      })
+    }
+
+    return result
+  }
+
+  return {
+    async openPending(input: OpenPendingInput): Promise<PendingPaymentOrder> {
+      const [row] = await db.insert(schema.paymentOrder).values({
+        userId: input.userId,
+        processor: input.processor,
+        status: 'pending',
+        packKey: input.packKey,
+        fluxAmount: input.fluxAmount,
+        currency: input.currency,
+      }).returning()
+
+      if (!row)
+        throw createInternalError('Failed to create payment order')
+
+      const customerId = await findLivePaymentCustomer(input.userId, input.processor)
+      return { id: row.id, customerId }
+    },
+
+    /**
+     * Stores the processor checkout id when the row still has none.
+     * A concurrent settle that already wrote the id wins.
+     */
+    async bindProcessorOrder(orderId: string, input: BindProcessorOrderInput): Promise<void> {
+      await db.update(schema.paymentOrder)
+        .set({
+          processorOrderId: input.processorOrderId,
+          amount: input.amount,
+          currency: input.currency,
+          updatedAt: new Date(),
+        })
+        .where(and(
+          eq(schema.paymentOrder.id, orderId),
+          isNull(schema.paymentOrder.processorOrderId),
+          isNull(schema.paymentOrder.deletedAt),
+        ))
+    },
+
+    /**
+     * Marks a pending order canceled. Does not credit Flux.
+     * No-op when the order is no longer pending.
+     */
+    async abandon(orderId: string): Promise<void> {
+      await db.update(schema.paymentOrder)
+        .set({
+          status: 'canceled',
+          updatedAt: new Date(),
+        })
+        .where(and(
+          eq(schema.paymentOrder.id, orderId),
+          eq(schema.paymentOrder.status, 'pending'),
+          isNull(schema.paymentOrder.deletedAt),
+        ))
+    },
+
+    async settle(receipt: ClaimReceipt): Promise<SettleResult> {
+      return claimExistingOrder(receipt)
+    },
+
+    /**
+     * Soft-deletes `payment_order` and `payment_customer` rows.
+     * `flux_transaction` is not touched. Checkout sessions time out at the processor.
+     */
+    async deleteAllForUser(userId: string) {
+      const now = new Date()
+
+      await db.update(schema.paymentOrder)
+        .set({ deletedAt: now, updatedAt: now })
+        .where(and(
+          eq(schema.paymentOrder.userId, userId),
+          isNull(schema.paymentOrder.deletedAt),
+        ))
+
+      await db.update(schema.paymentCustomer)
+        .set({ deletedAt: now, updatedAt: now })
+        .where(and(
+          eq(schema.paymentCustomer.userId, userId),
+          isNull(schema.paymentCustomer.deletedAt),
+        ))
+
+      logger.withFields({ userId }).log('Payment rows soft-deleted for user')
+    },
+  }
+}
+
+export type PaymentService = ReturnType<typeof createPaymentService>
diff --git a/server/apps/api/src/services/domain/payment/tests/payment.test.ts b/server/apps/api/src/services/domain/payment/tests/payment.test.ts
new file mode 100644
index 000000000..4c253a434
--- /dev/null
+++ b/server/apps/api/src/services/domain/payment/tests/payment.test.ts
@@ -0,0 +1,259 @@
+import type { Database } from '../../../../libs/db'
+import type { ConfigKVService } from '../../../adapters/config-kv'
+import type { ClaimReceipt } from '../types'
+
+import { eq } from 'drizzle-orm'
+import { beforeAll, beforeEach, describe, expect, it, vi } from 'vitest'
+
+import { mockDB } from '../../../../libs/mock-db'
+import { createTestRedis } from '../../../../libs/tests/redis'
+import { userFluxRedisKey } from '../../../../utils/redis-keys'
+import { createBillingService } from '../../billing/billing-service'
+import { createPaymentService } from '../index'
+
+import * as schema from '../../../../schemas'
+
+function createPacksConfigKV(): ConfigKVService {
+  return {
+    getOptional: vi.fn(async () => null),
+    getOrThrow: vi.fn(),
+    get: vi.fn(),
+    refresh: vi.fn(),
+    invalidateCache: vi.fn(),
+  } as ConfigKVService
+}
+
+describe('payment CORE', () => {
+  let db: Database
+  let redis: ReturnType<typeof createTestRedis>
+  let payment: ReturnType<typeof createPaymentService>
+
+  beforeAll(async () => {
+    db = await mockDB(schema)
+    await db.insert(schema.user).values({
+      id: 'user-pay-1',
+      name: 'Pay User',
+      email: 'pay@example.com',
+    })
+  })
+
+  beforeEach(async () => {
+    redis = createTestRedis()
+    const billing = createBillingService(db, redis, createPacksConfigKV())
+    payment = createPaymentService(db, billing)
+
+    await db.delete(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    await db.delete(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    await db.delete(schema.paymentOrder).where(eq(schema.paymentOrder.userId, 'user-pay-1'))
+    await db.delete(schema.paymentCustomer).where(eq(schema.paymentCustomer.userId, 'user-pay-1'))
+  })
+
+  async function insertPendingOrder() {
+    return payment.openPending({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      packKey: 'starter',
+      fluxAmount: 500,
+      currency: 'usd',
+    })
+  }
+
+  function paidReceipt(paymentOrderId: string, overrides: Partial<ClaimReceipt> = {}): ClaimReceipt {
+    return {
+      kind: 'claim',
+      processor: 'stripe',
+      paymentOrderId,
+      processorOrderId: `cs_test_${paymentOrderId}`,
+      status: 'paid',
+      amount: 500,
+      currency: 'usd',
+      customerId: 'cus_test',
+      ...overrides,
+    }
+  }
+
+  it('settle credits Flux from the pending order snapshot', async () => {
+    const order = await insertPendingOrder()
+    const result = await payment.settle(paidReceipt(order.id))
+
+    expect(result).toMatchObject({ applied: true, fluxAmount: 500, balanceAfter: 500 })
+
+    const [flux] = await db.select().from(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    expect(flux?.flux).toBe(500)
+
+    const [ledger] = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    expect(ledger?.amount).toBe(500)
+    expect(ledger?.requestId).toBe(order.id)
+
+    const [paid] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, order.id))
+    expect(paid?.status).toBe('paid')
+    expect(paid?.creditedAt).toBeInstanceOf(Date)
+    expect(paid?.packKey).toBe('starter')
+    expect(paid?.fluxAmount).toBe(500)
+    expect(paid?.processorOrderId).toBe(`cs_test_${order.id}`)
+
+    expect(await redis.get(userFluxRedisKey('user-pay-1'))).toBe('500')
+  })
+
+  it('settle replay returns applied false and does not double credit', async () => {
+    const order = await insertPendingOrder()
+    const receipt = paidReceipt(order.id)
+
+    const first = await payment.settle(receipt)
+    const second = await payment.settle(receipt)
+
+    expect(first.applied).toBe(true)
+    expect(second.applied).toBe(false)
+
+    const ledger = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    expect(ledger).toHaveLength(1)
+
+    const [flux] = await db.select().from(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    expect(flux?.flux).toBe(500)
+  })
+
+  it('throws when settle runs before the order exists so the adapter can retry', async () => {
+    await expect(payment.settle(paidReceipt('missing-order'))).rejects.toMatchObject({
+      statusCode: 500,
+    })
+  })
+
+  it('marks a pending order canceled without crediting Flux', async () => {
+    const order = await insertPendingOrder()
+
+    const result = await payment.settle({
+      kind: 'claim',
+      processor: 'stripe',
+      paymentOrderId: order.id,
+      processorOrderId: `cs_test_${order.id}`,
+      status: 'canceled',
+    })
+
+    expect(result).toEqual({ applied: false })
+
+    const [updated] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, order.id))
+    expect(updated?.status).toBe('canceled')
+
+    const ledger = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    expect(ledger).toHaveLength(0)
+  })
+
+  it('marks a pending order expired without crediting Flux', async () => {
+    const order = await insertPendingOrder()
+
+    const result = await payment.settle({
+      kind: 'claim',
+      processor: 'stripe',
+      paymentOrderId: order.id,
+      processorOrderId: `cs_test_${order.id}`,
+      status: 'expired',
+    })
+
+    expect(result).toEqual({ applied: false })
+
+    const [updated] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, order.id))
+    expect(updated?.status).toBe('expired')
+  })
+
+  it('deleteAllForUser soft-deletes orders and customers', async () => {
+    const order = await insertPendingOrder()
+    await db.insert(schema.paymentCustomer).values({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      customerId: 'cus_test',
+    })
+
+    await payment.deleteAllForUser('user-pay-1')
+
+    const [deletedOrder] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, order.id))
+    expect(deletedOrder?.deletedAt).toBeInstanceOf(Date)
+
+    const [deletedCustomer] = await db.select().from(schema.paymentCustomer).where(eq(schema.paymentCustomer.userId, 'user-pay-1'))
+    expect(deletedCustomer?.deletedAt).toBeInstanceOf(Date)
+  })
+
+  it('openPending snapshots the pack and returns a live payment customer', async () => {
+    await db.insert(schema.paymentCustomer).values({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      customerId: 'cus_live',
+    })
+
+    const opened = await payment.openPending({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      packKey: 'starter',
+      fluxAmount: 500,
+      currency: 'usd',
+    })
+
+    expect(opened.customerId).toBe('cus_live')
+
+    const [row] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, opened.id))
+    expect(row?.status).toBe('pending')
+    expect(row?.packKey).toBe('starter')
+    expect(row?.fluxAmount).toBe(500)
+    expect(row?.processorOrderId).toBeNull()
+  })
+
+  it('openPending ignores a soft-deleted payment customer', async () => {
+    await db.insert(schema.paymentCustomer).values({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      customerId: 'cus_deleted',
+      deletedAt: new Date(),
+    })
+
+    const opened = await payment.openPending({
+      userId: 'user-pay-1',
+      processor: 'stripe',
+      packKey: 'starter',
+      fluxAmount: 500,
+    })
+
+    expect(opened.customerId).toBeUndefined()
+  })
+
+  it('bindProcessorOrder does not overwrite an id that settle already stored', async () => {
+    const opened = await insertPendingOrder()
+    await payment.settle(paidReceipt(opened.id, { processorOrderId: 'cs_settle' }))
+
+    await payment.bindProcessorOrder(opened.id, {
+      processorOrderId: 'cs_bind',
+      amount: 999,
+    })
+
+    const [row] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, opened.id))
+    expect(row?.status).toBe('paid')
+    expect(row?.processorOrderId).toBe('cs_settle')
+    expect(row?.amount).toBe(500)
+  })
+
+  it('abandon marks a pending order canceled without crediting Flux', async () => {
+    const opened = await insertPendingOrder()
+
+    await payment.abandon(opened.id)
+
+    const [row] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, opened.id))
+    expect(row?.status).toBe('canceled')
+
+    const ledger = await db.select().from(schema.fluxTransaction).where(eq(schema.fluxTransaction.userId, 'user-pay-1'))
+    expect(ledger).toHaveLength(0)
+  })
+
+  it('abandon does not reverse a paid order', async () => {
+    const opened = await insertPendingOrder()
+    await payment.settle(paidReceipt(opened.id))
+
+    await payment.abandon(opened.id)
+
+    const result = await payment.settle(paidReceipt(opened.id))
+    expect(result.applied).toBe(false)
+
+    const [row] = await db.select().from(schema.paymentOrder).where(eq(schema.paymentOrder.id, opened.id))
+    expect(row?.status).toBe('paid')
+
+    const [flux] = await db.select().from(schema.userFlux).where(eq(schema.userFlux.userId, 'user-pay-1'))
+    expect(flux?.flux).toBe(500)
+  })
+})
diff --git a/server/apps/api/src/services/domain/payment/types.ts b/server/apps/api/src/services/domain/payment/types.ts
new file mode 100644
index 000000000..6821b1cd3
--- /dev/null
+++ b/server/apps/api/src/services/domain/payment/types.ts
@@ -0,0 +1,48 @@
+export type ClaimStatus = 'paid' | 'canceled' | 'expired'
+
+/**
+ * Adapter claim for a pending `payment_order`.
+ *
+ * The Stripe adapter maps a verified processor event onto this receipt.
+ * CORE claims by `paymentOrderId`.
+ */
+export interface ClaimReceipt {
+  kind: 'claim'
+  processor: string
+  paymentOrderId: string
+  processorOrderId: string
+  status: ClaimStatus
+  amount?: number
+  currency?: string
+  customerId?: string
+  extras?: Record<string, unknown>
+}
+
+export type SettleResult
+  = | { applied: true, userId: string, fluxAmount: number, balanceAfter: number }
+    | { applied: false }
+
+/**
+ * Adapter request to insert a pending `payment_order`.
+ *
+ * The adapter resolves the pack. CORE snapshots flux on the row.
+ */
+export interface OpenPendingInput {
+  userId: string
+  processor: string
+  packKey: string
+  fluxAmount: number
+  currency?: string
+}
+
+export interface PendingPaymentOrder {
+  id: string
+  /** Live `payment_customer` for this user and processor, when one exists. */
+  customerId?: string
+}
+
+export interface BindProcessorOrderInput {
+  processorOrderId: string
+  amount?: number
+  currency?: string
+}
diff --git a/server/apps/api/src/services/domain/stripe.test.ts b/server/apps/api/src/services/domain/stripe.test.ts
deleted file mode 100644
index 9ec6cea9a..000000000
--- a/server/apps/api/src/services/domain/stripe.test.ts
+++ /dev/null
@@ -1,468 +0,0 @@
-import type { Database } from '../../libs/db'
-
-import { eq } from 'drizzle-orm'
-import { beforeAll, beforeEach, describe, expect, it } from 'vitest'
-
-import { mockDB } from '../../libs/mock-db'
-import { createStripeService } from './stripe'
-
-import * as schema from '../../schemas'
-
-describe('stripeService', () => {
-  let db: Database
-  let stripeService: ReturnType<typeof createStripeService>
-
-  beforeAll(async () => {
-    db = await mockDB(schema)
-
-    await db.insert(schema.user).values([
-      { id: 'user-stripe-1', name: 'Stripe User 1', email: 'stripe1@example.com' },
-      { id: 'user-stripe-2', name: 'Stripe User 2', email: 'stripe2@example.com' },
-    ])
-  })
-
-  beforeEach(async () => {
-    stripeService = createStripeService(db, null)
-
-    // Clean all stripe tables between tests
-    await db.delete(schema.stripeInvoice)
-    await db.delete(schema.stripeSubscription)
-    await db.delete(schema.stripeCheckoutSession)
-    await db.delete(schema.stripeCustomer)
-  })
-
-  // ---- Customer ----
-
-  describe('upsertCustomer', () => {
-    it('inserts a new customer', async () => {
-      const result = await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_new_1',
-        email: 'stripe1@example.com',
-      })
-
-      expect(result.userId).toBe('user-stripe-1')
-      expect(result.stripeCustomerId).toBe('cus_new_1')
-      expect(result.email).toBe('stripe1@example.com')
-    })
-
-    it('updates an existing customer on conflict (atomic upsert)', async () => {
-      await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_dup_1',
-        email: 'old@example.com',
-      })
-
-      const updated = await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_dup_1',
-        email: 'new@example.com',
-        name: 'Updated Name',
-      })
-
-      expect(updated.email).toBe('new@example.com')
-      expect(updated.name).toBe('Updated Name')
-
-      // Verify only one record exists
-      const all = await db.select().from(schema.stripeCustomer).where(eq(schema.stripeCustomer.stripeCustomerId, 'cus_dup_1'))
-      expect(all).toHaveLength(1)
-    })
-
-    it('handles concurrent upserts for the same customer without error', async () => {
-      // Simulate two webhook events arriving at the same time for the same customer
-      const results = await Promise.all([
-        stripeService.upsertCustomer({
-          userId: 'user-stripe-1',
-          stripeCustomerId: 'cus_race_1',
-          email: 'a@example.com',
-        }),
-        stripeService.upsertCustomer({
-          userId: 'user-stripe-1',
-          stripeCustomerId: 'cus_race_1',
-          email: 'b@example.com',
-        }),
-      ])
-
-      // Both should succeed (no unique constraint violation)
-      expect(results).toHaveLength(2)
-      results.forEach(r => expect(r.stripeCustomerId).toBe('cus_race_1'))
-
-      // Only one record should exist
-      const all = await db.select().from(schema.stripeCustomer).where(eq(schema.stripeCustomer.stripeCustomerId, 'cus_race_1'))
-      expect(all).toHaveLength(1)
-    })
-  })
-
-  describe('getCustomerByUserId', () => {
-    it('returns the customer for a given userId', async () => {
-      await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_lookup_1',
-      })
-
-      const found = await stripeService.getCustomerByUserId('user-stripe-1')
-      expect(found?.stripeCustomerId).toBe('cus_lookup_1')
-    })
-
-    it('returns undefined when no customer exists', async () => {
-      const found = await stripeService.getCustomerByUserId('user-nonexistent')
-      expect(found).toBeUndefined()
-    })
-  })
-
-  describe('getCustomerByStripeId', () => {
-    it('returns the customer for a given stripeCustomerId', async () => {
-      await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_sid_1',
-      })
-
-      const found = await stripeService.getCustomerByStripeId('cus_sid_1')
-      expect(found?.userId).toBe('user-stripe-1')
-    })
-
-    it('returns undefined when no customer exists', async () => {
-      const found = await stripeService.getCustomerByStripeId('cus_nonexistent')
-      expect(found).toBeUndefined()
-    })
-  })
-
-  // ---- Checkout Session ----
-
-  describe('upsertCheckoutSession', () => {
-    it('inserts a new checkout session', async () => {
-      const result = await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_new_1',
-        mode: 'payment',
-        status: 'open',
-        paymentStatus: 'unpaid',
-        amountTotal: 1000,
-        currency: 'usd',
-      })
-
-      expect(result.stripeSessionId).toBe('cs_new_1')
-      expect(result.amountTotal).toBe(1000)
-      expect(result.fluxCredited).toBe(false)
-    })
-
-    it('updates an existing checkout session on conflict', async () => {
-      await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_upd_1',
-        mode: 'payment',
-        status: 'open',
-        paymentStatus: 'unpaid',
-        amountTotal: 1000,
-        currency: 'usd',
-      })
-
-      const updated = await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_upd_1',
-        mode: 'payment',
-        status: 'complete',
-        paymentStatus: 'paid',
-        amountTotal: 1000,
-        currency: 'usd',
-      })
-
-      expect(updated.status).toBe('complete')
-      expect(updated.paymentStatus).toBe('paid')
-
-      const all = await db.select().from(schema.stripeCheckoutSession).where(eq(schema.stripeCheckoutSession.stripeSessionId, 'cs_upd_1'))
-      expect(all).toHaveLength(1)
-    })
-
-    it('handles concurrent upserts without error', async () => {
-      const results = await Promise.all([
-        stripeService.upsertCheckoutSession({
-          userId: 'user-stripe-1',
-          stripeSessionId: 'cs_race_1',
-          mode: 'payment',
-          status: 'open',
-          paymentStatus: 'unpaid',
-          amountTotal: 500,
-          currency: 'usd',
-        }),
-        stripeService.upsertCheckoutSession({
-          userId: 'user-stripe-1',
-          stripeSessionId: 'cs_race_1',
-          mode: 'payment',
-          status: 'complete',
-          paymentStatus: 'paid',
-          amountTotal: 500,
-          currency: 'usd',
-        }),
-      ])
-
-      expect(results).toHaveLength(2)
-
-      const all = await db.select().from(schema.stripeCheckoutSession).where(eq(schema.stripeCheckoutSession.stripeSessionId, 'cs_race_1'))
-      expect(all).toHaveLength(1)
-    })
-  })
-
-  describe('getCheckoutSessionsByUserId', () => {
-    it('returns all sessions for the user', async () => {
-      await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_list_1',
-        mode: 'payment',
-        amountTotal: 100,
-        currency: 'usd',
-      })
-      await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_list_2',
-        mode: 'payment',
-        amountTotal: 200,
-        currency: 'usd',
-      })
-
-      const sessions = await stripeService.getCheckoutSessionsByUserId('user-stripe-1')
-      expect(sessions).toHaveLength(2)
-      const ids = sessions.map(s => s.stripeSessionId)
-      expect(ids).toContain('cs_list_1')
-      expect(ids).toContain('cs_list_2')
-    })
-
-    it('does not return sessions from other users', async () => {
-      await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-1',
-        stripeSessionId: 'cs_iso_1',
-        mode: 'payment',
-      })
-      await stripeService.upsertCheckoutSession({
-        userId: 'user-stripe-2',
-        stripeSessionId: 'cs_iso_2',
-        mode: 'payment',
-      })
-
-      const sessions = await stripeService.getCheckoutSessionsByUserId('user-stripe-1')
-      expect(sessions).toHaveLength(1)
-      expect(sessions[0]?.stripeSessionId).toBe('cs_iso_1')
-    })
-  })
-
-  // ---- Subscription ----
-
-  describe('upsertSubscription', () => {
-    it('inserts a new subscription', async () => {
-      await stripeService.upsertCustomer({
-        userId: 'user-stripe-1',
-        stripeCustomerId: 'cus_sub_1',
-      })
-
-      const result = await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_new_1',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'active',
-      })
-
-      expect(result.stripeSubscriptionId).toBe('sub_new_1')
-      expect(result.status).toBe('active')
-    })
-
-    it('updates an existing subscription on conflict', async () => {
-      await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_upd_1',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'active',
-      })
-
-      const updated = await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_upd_1',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'canceled',
-      })
-
-      expect(updated.status).toBe('canceled')
-
-      const all = await db.select().from(schema.stripeSubscription).where(eq(schema.stripeSubscription.stripeSubscriptionId, 'sub_upd_1'))
-      expect(all).toHaveLength(1)
-    })
-
-    it('handles concurrent upserts without error', async () => {
-      const results = await Promise.all([
-        stripeService.upsertSubscription({
-          userId: 'user-stripe-1',
-          stripeSubscriptionId: 'sub_race_1',
-          stripeCustomerId: 'cus_sub_1',
-          status: 'active',
-        }),
-        stripeService.upsertSubscription({
-          userId: 'user-stripe-1',
-          stripeSubscriptionId: 'sub_race_1',
-          stripeCustomerId: 'cus_sub_1',
-          status: 'past_due',
-        }),
-      ])
-
-      expect(results).toHaveLength(2)
-
-      const all = await db.select().from(schema.stripeSubscription).where(eq(schema.stripeSubscription.stripeSubscriptionId, 'sub_race_1'))
-      expect(all).toHaveLength(1)
-    })
-  })
-
-  describe('getActiveSubscription', () => {
-    it('returns only the active subscription', async () => {
-      await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_active_1',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'canceled',
-      })
-      await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_active_2',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'active',
-      })
-
-      const active = await stripeService.getActiveSubscription('user-stripe-1')
-      expect(active?.stripeSubscriptionId).toBe('sub_active_2')
-      expect(active?.status).toBe('active')
-    })
-
-    it('returns undefined when no active subscription exists', async () => {
-      await stripeService.upsertSubscription({
-        userId: 'user-stripe-1',
-        stripeSubscriptionId: 'sub_none_1',
-        stripeCustomerId: 'cus_sub_1',
-        status: 'canceled',
-      })
-
-      const active = await stripeService.getActiveSubscription('user-stripe-1')
-      expect(active).toBeUndefined()
-    })
-
-    it('does not return subscriptions from other users', async () => {
-      await stripeService.upsertSubscription({
-        userId: 'user-stripe-2',
-        stripeSubscriptionId: 'sub_other_1',
-        stripeCustomerId: 'cus_other_1',
-        status: 'active',
-      })
-
-      const active = await stripeService.getActiveSubscription('user-stripe-1')
-      expect(active).toBeUndefined()
-    })
-  })
-
-  // ---- Invoice ----
-
-  describe('upsertInvoice', () => {
-    it('inserts a new invoice', async () => {
-      const result = await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_new_1',
-        stripeCustomerId: 'cus_inv_1',
-        status: 'open',
-        amountDue: 2000,
-        amountPaid: 0,
-        currency: 'usd',
-      })
-
-      expect(result.stripeInvoiceId).toBe('inv_new_1')
-      expect(result.status).toBe('open')
-      expect(result.fluxCredited).toBe(false)
-    })
-
-    it('updates an existing invoice on conflict', async () => {
-      await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_upd_1',
-        status: 'open',
-        amountDue: 2000,
-        amountPaid: 0,
-        currency: 'usd',
-      })
-
-      const updated = await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_upd_1',
-        status: 'paid',
-        amountDue: 2000,
-        amountPaid: 2000,
-        currency: 'usd',
-      })
-
-      expect(updated.status).toBe('paid')
-      expect(updated.amountPaid).toBe(2000)
-
-      const all = await db.select().from(schema.stripeInvoice).where(eq(schema.stripeInvoice.stripeInvoiceId, 'inv_upd_1'))
-      expect(all).toHaveLength(1)
-    })
-
-    it('handles concurrent upserts without error', async () => {
-      const results = await Promise.all([
-        stripeService.upsertInvoice({
-          userId: 'user-stripe-1',
-          stripeInvoiceId: 'inv_race_1',
-          status: 'open',
-          amountDue: 1000,
-          currency: 'usd',
-        }),
-        stripeService.upsertInvoice({
-          userId: 'user-stripe-1',
-          stripeInvoiceId: 'inv_race_1',
-          status: 'paid',
-          amountPaid: 1000,
-          currency: 'usd',
-        }),
-      ])
-
-      expect(results).toHaveLength(2)
-
-      const all = await db.select().from(schema.stripeInvoice).where(eq(schema.stripeInvoice.stripeInvoiceId, 'inv_race_1'))
-      expect(all).toHaveLength(1)
-    })
-  })
-
-  describe('getInvoicesByUserId', () => {
-    it('returns all invoices for the user', async () => {
-      await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_list_1',
-        status: 'paid',
-        currency: 'usd',
-      })
-      await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_list_2',
-        status: 'open',
-        currency: 'usd',
-      })
-
-      const invoices = await stripeService.getInvoicesByUserId('user-stripe-1')
-      expect(invoices).toHaveLength(2)
-      const ids = invoices.map(i => i.stripeInvoiceId)
-      expect(ids).toContain('inv_list_1')
-      expect(ids).toContain('inv_list_2')
-    })
-
-    it('does not return invoices from other users', async () => {
-      await stripeService.upsertInvoice({
-        userId: 'user-stripe-1',
-        stripeInvoiceId: 'inv_iso_1',
-        status: 'paid',
-        currency: 'usd',
-      })
-      await stripeService.upsertInvoice({
-        userId: 'user-stripe-2',
-        stripeInvoiceId: 'inv_iso_2',
-        status: 'paid',
-        currency: 'usd',
-      })
-
-      const invoices = await stripeService.getInvoicesByUserId('user-stripe-1')
-      expect(invoices).toHaveLength(1)
-      expect(invoices[0]?.stripeInvoiceId).toBe('inv_iso_1')
-    })
-  })
-})
diff --git a/server/apps/api/src/services/domain/stripe.ts b/server/apps/api/src/services/domain/stripe.ts
deleted file mode 100644
index 0834e3a19..000000000
--- a/server/apps/api/src/services/domain/stripe.ts
+++ /dev/null
@@ -1,212 +0,0 @@
-import type Stripe from 'stripe'
-
-import type { Database } from '../../libs/db'
-import type { NewStripeCheckoutSession, NewStripeCustomer, NewStripeInvoice, NewStripeSubscription } from '../../schemas/stripe'
-
-import { useLogger } from '@guiiai/logg'
-import { and, eq, isNull, notInArray } from 'drizzle-orm'
-
-import * as schema from '../../schemas/stripe'
-
-const logger = useLogger('stripe-service')
-
-// NOTICE:
-// Read paths filter `deletedAt IS NULL` so soft-deleted users (whose
-// stripe_* rows persist for billing audit) are invisible to user-facing
-// API. Webhooks that arrive after deletion still match by stripeCustomerId
-// and re-upsert into the soft-deleted row — that's by design (the row
-// remains deletedAt-set, but we capture the late event for accurate audit).
-// See `server/apps/api/docs/ai-context/account-deletion.md`.
-export function createStripeService(db: Database, stripe: Stripe | null) {
-  return {
-    // ---- Customer ----
-
-    async upsertCustomer(data: NewStripeCustomer) {
-      const [row] = await db.insert(schema.stripeCustomer)
-        .values(data)
-        .onConflictDoUpdate({
-          target: schema.stripeCustomer.stripeCustomerId,
-          set: { ...data, updatedAt: new Date() },
-        })
-        .returning()
-      logger.withFields({ userId: data.userId, stripeCustomerId: data.stripeCustomerId }).log('Upserted Stripe customer')
-      return row
-    },
-
-    async getCustomerByUserId(userId: string) {
-      return db.query.stripeCustomer.findFirst({
-        where: and(
-          eq(schema.stripeCustomer.userId, userId),
-          isNull(schema.stripeCustomer.deletedAt),
-        ),
-      })
-    },
-
-    async getCustomerByStripeId(stripeCustomerId: string) {
-      // NOTICE: NOT filtering by deletedAt — this lookup is by external
-      // Stripe id and is used by webhook handlers that need to reach
-      // soft-deleted archive rows for late events (cancellation receipts,
-      // final invoices arriving after account deletion). User-facing reads
-      // use getCustomerByUserId which DOES filter.
-      return db.query.stripeCustomer.findFirst({
-        where: eq(schema.stripeCustomer.stripeCustomerId, stripeCustomerId),
-      })
-    },
-
-    // ---- Checkout Session ----
-
-    async upsertCheckoutSession(data: NewStripeCheckoutSession) {
-      const [row] = await db.insert(schema.stripeCheckoutSession)
-        .values(data)
-        .onConflictDoUpdate({
-          target: schema.stripeCheckoutSession.stripeSessionId,
-          set: { ...data, updatedAt: new Date() },
-        })
-        .returning()
-      logger.withFields({ userId: data.userId, sessionId: data.stripeSessionId, status: data.status }).log('Upserted checkout session')
-      return row
-    },
-
-    async getCheckoutSessionsByUserId(userId: string) {
-      return db.query.stripeCheckoutSession.findMany({
-        where: and(
-          eq(schema.stripeCheckoutSession.userId, userId),
-          isNull(schema.stripeCheckoutSession.deletedAt),
-        ),
-        orderBy: (t, { desc }) => [desc(t.createdAt)],
-      })
-    },
-
-    // ---- Subscription ----
-
-    async upsertSubscription(data: NewStripeSubscription) {
-      const [row] = await db.insert(schema.stripeSubscription)
-        .values(data)
-        .onConflictDoUpdate({
-          target: schema.stripeSubscription.stripeSubscriptionId,
-          set: { ...data, updatedAt: new Date() },
-        })
-        .returning()
-      logger.withFields({ userId: data.userId, subscriptionId: data.stripeSubscriptionId, status: data.status }).log('Upserted subscription')
-      return row
-    },
-
-    async getActiveSubscription(userId: string) {
-      return db.query.stripeSubscription.findFirst({
-        where: and(
-          eq(schema.stripeSubscription.userId, userId),
-          eq(schema.stripeSubscription.status, 'active'),
-          isNull(schema.stripeSubscription.deletedAt),
-        ),
-        orderBy: (t, { desc }) => [desc(t.createdAt)],
-      })
-    },
-
-    // ---- Invoice ----
-
-    async upsertInvoice(data: NewStripeInvoice) {
-      const [row] = await db.insert(schema.stripeInvoice)
-        .values(data)
-        .onConflictDoUpdate({
-          target: schema.stripeInvoice.stripeInvoiceId,
-          set: { ...data, updatedAt: new Date() },
-        })
-        .returning()
-      logger.withFields({ userId: data.userId, invoiceId: data.stripeInvoiceId, status: data.status }).log('Upserted invoice')
-      return row
-    },
-
-    async getInvoicesByUserId(userId: string) {
-      return db.query.stripeInvoice.findMany({
-        where: and(
-          eq(schema.stripeInvoice.userId, userId),
-          isNull(schema.stripeInvoice.deletedAt),
-        ),
-        orderBy: (t, { desc }) => [desc(t.createdAt)],
-      })
-    },
-
-    /**
-     * Cancel the user's active Stripe subscription via the API and stamp every
-     * `stripe_*` row with `deletedAt`. Called from the user-deletion pipeline
-     * (priority 10 — runs first because Stripe API cancellation has no
-     * rollback path).
-     *
-     * Idempotent on retry: subsequent calls find no `active` subs to cancel
-     * and the `WHERE deletedAt IS NULL` guard skips already-stamped rows.
-     * Stripe `subscriptions.cancel` itself is also idempotent per spec —
-     * cancelling an already-canceled sub returns 200.
-     *
-     * Cancellation is immediate, no proration, no refund — see
-     * `server/apps/api/docs/ai-context/account-deletion.md`.
-     */
-    async deleteAllForUser(userId: string) {
-      // Cancel every subscription that is NOT already in a terminal state.
-      // Stripe's terminal statuses are `canceled` and `incomplete_expired`;
-      // anything else (`active`, `trialing`, `past_due`, `unpaid`,
-      // `incomplete`, `paused`) can still bill or transition into billing,
-      // so leaving them uncancelled would charge a deleted account.
-      // Stripe `subscriptions.cancel` is idempotent per spec — safe to
-      // call on any non-terminal status.
-      const cancellableSubs = await db.query.stripeSubscription.findMany({
-        where: and(
-          eq(schema.stripeSubscription.userId, userId),
-          notInArray(schema.stripeSubscription.status, ['canceled', 'incomplete_expired']),
-          isNull(schema.stripeSubscription.deletedAt),
-        ),
-      })
-
-      if (stripe && cancellableSubs.length > 0) {
-        for (const sub of cancellableSubs) {
-          try {
-            await stripe.subscriptions.cancel(sub.stripeSubscriptionId, {
-              prorate: false,
-            })
-            logger.withFields({ userId, subscriptionId: sub.stripeSubscriptionId, prevStatus: sub.status }).log('Cancelled Stripe subscription')
-          }
-          catch (err) {
-            logger.withError(err).withFields({ userId, subscriptionId: sub.stripeSubscriptionId, prevStatus: sub.status }).error('Failed to cancel Stripe subscription')
-            throw err
-          }
-        }
-      }
-      else if (!stripe && cancellableSubs.length > 0) {
-        logger.withFields({ userId, cancellableSubCount: cancellableSubs.length }).warn('Stripe SDK not configured; skipping API cancel — local rows will still be soft-deleted')
-      }
-
-      const now = new Date()
-
-      await db.update(schema.stripeSubscription)
-        .set({ deletedAt: now, updatedAt: now })
-        .where(and(
-          eq(schema.stripeSubscription.userId, userId),
-          isNull(schema.stripeSubscription.deletedAt),
-        ))
-
-      await db.update(schema.stripeCheckoutSession)
-        .set({ deletedAt: now, updatedAt: now })
-        .where(and(
-          eq(schema.stripeCheckoutSession.userId, userId),
-          isNull(schema.stripeCheckoutSession.deletedAt),
-        ))
-
-      await db.update(schema.stripeInvoice)
-        .set({ deletedAt: now, updatedAt: now })
-        .where(and(
-          eq(schema.stripeInvoice.userId, userId),
-          isNull(schema.stripeInvoice.deletedAt),
-        ))
-
-      await db.update(schema.stripeCustomer)
-        .set({ deletedAt: now, updatedAt: now })
-        .where(and(
-          eq(schema.stripeCustomer.userId, userId),
-          isNull(schema.stripeCustomer.deletedAt),
-        ))
-
-      logger.withFields({ userId, cancelledSubs: cancellableSubs.length }).log('Stripe rows soft-deleted for user')
-    },
-  }
-}
-
-export type StripeService = ReturnType<typeof createStripeService>
diff --git a/server/apps/api/src/utils/format-price.ts b/server/apps/api/src/utils/format-price.ts
new file mode 100644
index 000000000..088089f1d
--- /dev/null
+++ b/server/apps/api/src/utils/format-price.ts
@@ -0,0 +1,20 @@
+/**
+ * Formats a smallest-unit amount into a display price string.
+ *
+ * @example
+ * formatPrice(300, 'usd')
+ * // => '$3.00'
+ */
+export function formatPrice(unitAmount: number | null, currency: string): string {
+  if (unitAmount == null)
+    return currency.toUpperCase()
+
+  try {
+    const formatter = new Intl.NumberFormat('en-US', { style: 'currency', currency })
+    const fractionDigits = formatter.resolvedOptions().minimumFractionDigits ?? 2
+    return formatter.format(unitAmount / (10 ** fractionDigits))
+  }
+  catch {
+    return `${unitAmount / 100} ${currency.toUpperCase()}`
+  }
+}
diff --git a/server/apps/api/src/utils/observability.ts b/server/apps/api/src/utils/observability.ts
index 96f4e3500..ffffcd883 100644
--- a/server/apps/api/src/utils/observability.ts
+++ b/server/apps/api/src/utils/observability.ts
@@ -61,8 +61,6 @@ export const METRIC_WS_MESSAGES_RECEIVED = 'ws.messages.received'
 // Revenue (AIRI custom)
 export const METRIC_STRIPE_CHECKOUT_CREATED = 'stripe.checkout.created'
 export const METRIC_STRIPE_CHECKOUT_COMPLETED = 'stripe.checkout.completed'
-export const METRIC_STRIPE_PAYMENT_FAILED = 'stripe.payment.failed'
-export const METRIC_STRIPE_SUBSCRIPTION_EVENT = 'stripe.subscription.event'
 export const METRIC_STRIPE_EVENTS = 'stripe.events'
 export const METRIC_FLUX_INSUFFICIENT_BALANCE = 'flux.insufficient_balance'