commerce: provider-neutral payment-request envelope (8 tests) — Phase 5 ext

payment.sx — payment-request materialises {:order :amount :currency :return-url}
at the IO edge (amount from the ledger, currency/return-url host-supplied), so
lib/commerce stays vendor-agnostic; SumUp/Stripe adapters live in the orders
service and order-settle!(ref, amount) is the resume seam. pending-payments
enumerates suspended orders + envelopes (host poller seam). Gotcha handled: a
Scheme string flow-payload round-trips back wrapped as {:scm-string ...} —
unwrapped via scm->string. Total 209/209 across 13 suites.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

lib/commerce/tests/order.sx

@@ -65,3 +65,10 @@
 (commerce-test "post-restart-status" (order-status b "O3") :fulfilled)
 (commerce-test "post-restart-recon-ok" (order-recon b "O3") :ok)
 (commerce-test "post-restart-flow-done" (order-flow-status env id3) "done")
+
+;; --- payment-request envelope (provider-neutral) for the still-suspended O2 ---
+
+(commerce-test
+  "pending-payments-lists-suspended"
+  (pending-payments env b :GBP "https://shop/return")
+  (list {:id id2 :request {:order "O2" :amount 1200 :return-url "https://shop/return" :currency :GBP}}))

lib/commerce/tests/payment.sx

@@ -0,0 +1,43 @@
+;; lib/commerce/tests/payment.sx — provider-neutral payment-request envelope.
+;; Uses (commerce-test name got expected) provided by conformance.sh.
+;; Envelope construction is ledger-only (no flow env); pending-payments (which
+;; needs the flow env) is exercised in the order suite.
+
+(define q1 {:codes (list) :subtotal 1000 :discount 0 :total 1200 :tax 200})
+(define q2 {:codes (list) :subtotal 5000 :discount 500 :total 4500 :tax 0})
+
+(define b (persist/mem-backend))
+(define _c1 (order-create b "P1" 1 q1))
+(define _c2 (order-create b "P2" 1 q2))
+
+(commerce-test
+  "envelope"
+  (payment-request b "P1" :GBP "https://shop/return")
+  {:order "P1" :amount 1200 :return-url "https://shop/return" :currency :GBP})
+
+(commerce-test
+  "envelope-amount"
+  (payment-request-amount (payment-request b "P1" :GBP "x"))
+  1200)
+(commerce-test
+  "envelope-currency"
+  (payment-request-currency (payment-request b "P1" :GBP "x"))
+  :GBP)
+(commerce-test
+  "envelope-order"
+  (payment-request-order (payment-request b "P1" :GBP "x"))
+  "P1")
+(commerce-test
+  "envelope-return-url"
+  (payment-request-return-url (payment-request b "P1" :GBP "https://r"))
+  "https://r")
+
+;; amount tracks the ledger total, currency is per-call (provider/instance config)
+(commerce-test
+  "envelope-amount-2"
+  (payment-request-amount (payment-request b "P2" :EUR "x"))
+  4500)
+(commerce-test
+  "envelope-currency-2"
+  (payment-request-currency (payment-request b "P2" :EUR "x"))
+  :EUR)