{
  "schema_version": "1.0",
  "name": "PayOptimum / PayFlow — AI Builder Integration Reference",
  "description": "Public machine-readable discovery for AI builders integrating PayFlow native Aurora or Stripe Adapter V4. Discovery is not authorization to process payments.",
  "last_reviewed": "2026-11-14",
  "canonical_origin": "https://payoptimum.org",
  "documentation": {
    "canonical": "https://payoptimum.org/developer-docs",
    "index": "https://payoptimum.org/docs",
    "llms_txt": "https://payoptimum.org/llms.txt",
    "full_context": "https://payoptimum.org/llms-full.txt",
    "integration_guide": "https://payoptimum.org/ai-builder-integration.txt"
  },
  "products": [
    {
      "id": "stripe-adapter-v4",
      "kind": "stripe-addon",
      "name": "Stripe Adapter V4",
      "fee": {
        "amount_minor": 3900,
        "currency": "EUR",
        "interval": "monthly"
      },
      "processor_for_merchant_customers": "merchant-owned Stripe account",
      "payflow_subscription_processor": "PayFlow authorized billing (independent of merchant Stripe)",
      "public_visual_preview": "/stripe/v4",
      "merchant_dashboard": "/dashboard/stripe/v4",
      "backend_ui": "/stripe-adapter/overview",
      "merchant_connection_ui": "/stripe-adapter/connection",
      "published_status": "design studio and authenticated UI present; live processing not verified"
    },
    {
      "id": "payflow-classic",
      "kind": "payflow-native",
      "name": "PayFlow Checkout Aurora Classic",
      "fee": {
        "amount_minor": 2900,
        "currency": "EUR",
        "interval": "monthly"
      },
      "dashboard": "/dashboard/aurora/classic",
      "known_limitation": "Classic entry currently redirects to V7; distinct Classic studio not verified",
      "live_status": "not verified"
    },
    {
      "id": "payflow-v7",
      "kind": "payflow-native",
      "name": "PayFlow Checkout Pro Aurora V7",
      "tiers": [
        {
          "id": "payflow-v7-starter",
          "amount_minor": 1900
        },
        {
          "id": "payflow-v7-pro",
          "amount_minor": 4900
        },
        {
          "id": "payflow-v7-enterprise",
          "amount_minor": 9900
        }
      ],
      "currency": "EUR",
      "interval": "monthly",
      "dashboard": "/dashboard/aurora/pro",
      "studio_url": "https://payflow-aurora-builder-v7.nagle-b42.workers.dev/",
      "studio_status": "sandbox design builder responds, live card processing unverified"
    }
  ],
  "environments": [
    {
      "name": "PayFlow Sandbox",
      "role": "testing",
      "real_money": false
    },
    {
      "name": "PaymentHub LIVE",
      "role": "PayFlow-controlled production processor",
      "processor_registration": "payflowbuzz-canada (project-owner-reported)",
      "requires": [
        "verified client mapping",
        "LIVE_CLIENT_ENABLED verified server-side",
        "authorized processor credentials",
        "verified payment status and signed webhook"
      ]
    }
  ],
  "subscriptions": {
    "catalogue_page": "/product-billing",
    "function_name": "productSubscriptionIntent",
    "current_result": "pending_billing intent only",
    "paid_receipt_enabled": false,
    "live_recurring_checkout_verified": false,
    "billing_uses_merchant_stripe_credentials": false
  },
  "verification_status": {
    "web_routes": "published / HTTP 200 observed",
    "production_payment_end_to_end": "unverified",
    "subscription_intent_authenticated_write": "unverified",
    "wrong_merchant_isolation": "requires independent tests",
    "stripe_oauth_and_webhook_end_to_end": "unverified"
  },
  "safety_rules": [
    "Use server-resolved merchant identity, never a browser-provided or default merchant",
    "Keep Stripe Adapter V4 and native PayFlow separate, including credentials, APIs, ledgers, billing and workflows",
    "Never place payment processor secrets, API keys, PAN or CVV in client HTML, AI prompts or repositories",
    "Never enable LIVE without per-client authorization, processor readiness and signed confirmation",
    "Never call a visual preview or redirect a completed payment",
    "Treat unverified endpoint examples as architecture patterns only",
    "An offer confirmation does not charge; the current subscription-intent flow has no verified LIVE checkout"
  ],
  "api_discovery": {
    "trusted_approach": "Fetch the deployed service's authentic OpenAPI/route inventory through an approved backend and verify its contract before generating calls.",
    "payflow_health_url": "https://api.payflow.buzz/v1/health",
    "health_is_live_proof": false,
    "full_payment_openapi_verified": false,
    "do_not_guess_endpoints": true
  },
  "builder_protocol": {
    "default_environment": "test",
    "implementation_outputs": [
      "merchant frontend",
      "server adapter",
      "signed webhook verifier",
      "idempotency/replay store",
      "tenant isolation tests",
      "billing consent flow",
      "deployment and rollback notes"
    ],
    "release_gate": "NO-GO until independent LIVE verification"
  }
}