# PayOptimum / PayFlow — AI Builder Guide
Canonical docs: https://payoptimum.org/developer-docs
AI manifest: https://payoptimum.org/.well-known/payoptimum-ai-builder.json
Integration quickstart: https://payoptimum.org/ai-builder-integration.txt
Full technical reference (optional): https://payoptimum.org/llms-full.txt

## Choose the correct product
- **Native PayFlow Aurora**: PayFlow checkout, separate from Stripe. Classic: 29 EUR/month; V7: 19/49/99 EUR/month. Classic studio link currently redirects to V7; distinct Classic deployment unverified.
- **Stripe Adapter V4**: add-on, 39 EUR/month. Merchant's own Stripe processes merchant-customer payments. PayFlow bills the merchant separately. Never merge these systems.

## Integration rules
1. Start in TEST, choose ONE product, authenticate merchant on server.
2. Load amount/order from trusted database; no browser-set merchant IDs or prices.
3. Get verified deployed API specification **before** generating network calls.
4. Keep processor keys, webhook secrets and raw card details off browser and AI prompts.
5. Verify webhook signatures, replay, idempotency and payment status server-side.
6. Test merchant A/B isolation and all failure states; no default merchant.
7. Activate LIVE only with verified processor approval and server-side LIVE_CLIENT_ENABLED.
8. Do not call preview, redirect, pending request, or health check a completed payment.

## Environments and billing
PayFlow Sandbox = test. PaymentHub (payflowbuzz-canada, project-reported) = PayFlow LIVE-only. Current PayOptimum Subscribe flow records pending_billing; no verified recurring charge or invoice.

## Topic directory (canonical anchors)
- GETTING STARTED: /developer-docs#catalog-quick-start
- CORE FEATURES: /developer-docs#catalog-payment-api-integration
- ADVANCED FEATURES: /developer-docs#catalog-ai-payment-processing
- SECURITY & COMPLIANCE: /developer-docs#catalog-pci-dss-compliance
- DEVELOPMENT (Node.js and Python patterns): /developer-docs#catalog-testing-guide
- PRODUCTION: /developer-docs#catalog-production-deployment
- QUICK LINKS: /developer-docs#catalog-dashboard-link
- GOING LIVE: /developer-docs#going-live-with-payflow
- All 100 chapters / 122 examples: /llms-full.txt (fetch only if needed)

## Routes
Docs: /developer-docs | /docs
V4 preview: /stripe/v4
Merchant workspace: /dashboard
Stripe backend connection: /stripe-adapter/connection
Aurora Classic: /dashboard/aurora/classic
Aurora V7: /dashboard/aurora/pro
Product subscriptions: /product-billing

**Truthfulness**: Document VERIFIED, REPORTED, ILLUSTRATIVE and UNVERIFIED separately. For detailed code/examples, fetch the full reference only when relevant.