diff --git a/.gitignore b/.gitignore
index eb91f32..7a7b906 100644
--- a/.gitignore
+++ b/.gitignore
@@ -1,4 +1,5 @@
 secrets.env
+out/
 __pycache__/
 *.pyc
 android-test/apks/
diff --git a/CLI-AUTOMATION-NOTES.md b/CLI-AUTOMATION-NOTES.md
index b4823b1..5a542b1 100644
--- a/CLI-AUTOMATION-NOTES.md
+++ b/CLI-AUTOMATION-NOTES.md
@@ -208,6 +208,46 @@ Sources: `https://bank.hacktivism.ch/intro/stats.json`, exchange/merchant intro
 | **Workaround** | Monitoring builds URI externally then `handle-uri --yes`. |
 | **Wanted** | Documented recipe only, or `wallet-cli testing pay-template --base=… --instance=… --id=…` for demos. |
 
+### 9a. TESTPAYSAN public template POST `{}` → HTTP 451 (demo exchange)
+
+| | |
+|--|--|
+| **Seen** | 2026-08-30 magikoopa; `/monitoring_err` e2e.pay; `zero-pay` |
+| **Area** | **ops** |
+| **Problem** | `POST …/instances/jardin-du-creux/templates/oeufs-6` with `{}` → **451** code **2513** hard legal limits. `exchange_rejections` include **https://exchange.demo.taler.net/** currency mismatch. Merchant still trusts demo KUDOS, not `stage.exchange.lefrancpaysan.ch`. Sending `amount`/`summary` → **409** 2860/2861 (template already has contract). |
+| **Workaround** | Empty POST is correct (same as shop-ui). Fix merchant: enable `[merchant-exchange-testpaysan]`, disable demo exchanges. Bank auto-confirm is a different hop (withdraw). |
+| **Wanted** | Stage merchant only TESTPAYSAN exchange. |
+
+### 9b. stage.my has no `stickers` template
+
+| | |
+|--|--|
+| **Seen** | 2026-08-30 `zero-pay` `-d stage.taler-ops.ch` instance `admin` |
+| **Area** | **ops** |
+| **Problem** | Public POST `/templates/stickers` → **2018** template not found. Production `my.taler-ops.ch` instance `talersticker` works. Stage instance `tops` exists without that template. |
+| **Workaround** | Create CHF:0 `stickers` template on stage.my (merchant token). Until then phase ERROR is correct. |
+| **Wanted** | Same public template as prod on stage. |
+
+### 9c. public GET paid = `StatusPaidResponse` (no `paid` / `order_status`)
+
+| | |
+|--|--|
+| **Seen** | TESTPAYSAN token-pay 2026-08-30/31; e2e WARN not settled; body `{refunded:false, refund_taken:…}` |
+| **Area** | **ops** |
+| **Problem** | Suite required `paid` / `order_status` on **public** GET. Spec does not (`get-orders-ORDER_ID.rst` `StatusPaidResponse`: refund_* only). `order_status:"paid"` is **private** (`CheckPaymentPaidResponse`). |
+| **Workaround** | `merchant_order_json_is_paid`: refunded/refund_taken, no `taler_pay_uri`. Do not trust `handle-uri` exit 0. |
+| **Wanted** | wallet-cli non-zero on Payment expired/failed. |
+
+### 9d. Merchant `/keys` parse fail → 2010 then recover from DB
+
+| | |
+|--|--|
+| **Seen** | 2026-08-30 TESTPAYSAN `taler-merchant-httpd` after pasta hairpin + public `EXCHANGE_BASE_URL` |
+| **Area** | **ops** / **core** |
+| **Problem** | First fetch of `https://stage.exchange.lefrancpaysan.ch/keys` from inside the Quadlet failed (`version:0` / json_helper) → merchant **2010**. After keys-change notification, `/keys` loaded from DB; `GET /exchanges` then **http 200 ec 0** for the public URL. Leftover **list** rows still show demo.taler.net, taler-ops.ch, `http://127.0.0.1:9031/` (package kudos/tops + old DB). Config has **one** `[merchant-exchange-testpaysan]` HTTPS URL; kudos/chf `DISABLED=YES` in **overrides**, never `/usr/share`. |
+| **Workaround** | Pasta `/etc/hosts` → `169.254.1.2` for `stage.{exchange,bank,monnaie}.lefrancpaysan.ch`. Persist `/data/etc/hosts-public-https`. Restart **httpd only**, not Quadlet. |
+| **Wanted** | Merchant drop stale exchange list rows when `DISABLED=YES`; parse `/keys` error that names URL + HTTP status. |
+
 ---
 
 ## 10. Amount / currency parsing edge cases
@@ -265,11 +305,23 @@ Sources: `https://bank.hacktivism.ch/intro/stats.json`, exchange/merchant intro
 | **Seen** | e2e pay settle loops; ladder pay settle rounds |
 | **Area** | **cli** / **core** |
 | **Problem** | After `handle-uri` pay, success is “order paid” / balance drop / merchant order status — not one CLI wait. |
-| **Workaround** | Short poll loops; never run-until-done. |
+| **Workaround** | Short poll loops; never run-until-done. TESTPAYSAN token-pay: private merchant status, see §9c. |
 | **Wanted** | Same as §1–2: bounded wait on transaction id / order id. |
 
 ---
 
+## 14b. Own sqlite wallet (Android / iOS export)
+
+| | |
+|--|--|
+| **Seen** | 2026-08-30 magikoopa; real CHF / TESTPAYSAN pay from a phone SQL dump |
+| **Area** | **cli** / **ops** |
+| **Problem** | Suite e2e/ladder/zero-pay used a fresh temp sqlite, so a funded export could not pay. |
+| **Workaround** | `./taler-monitoring.sh --wallet-db PATH` (same flag as **taler-wallet-cli** / **taler-harness**). Native mobile sqlite: `--wallet-migrate` → `TALER_WALLET_MIGRATE_NATIVE_DB=1`. Not `*.json` (§15). zero-pay: `PARALLEL=1`. |
+| **Wanted** | Keep harness flag names when adding wallet CLI to the suite. |
+
+---
+
 ## 15. `--wallet-db=*.json` is rejected (“memory backend not supported”)
 
 | | |
diff --git a/README.md b/README.md
index 2c08f4e..2fb5ae1 100644
--- a/README.md
+++ b/README.md
@@ -143,6 +143,20 @@ Each check prints **global** and **grouped** ids:
 # Admin credit for e2e: E2E_BANK_ADMIN_PASS=… or stage host secrets
 #   (bank-admin-password.txt under /mnt/data/stagepaysan/bank/secrets/)
 # Override: INSIDE_SSH=… INSIDE_PROFILE=stage-lfp
+# Live stack names + mini ladder: README_testpaysan.md (do not duplicate here).
+
+# Stage TOPS (default) · public-template CHF:0 — phase zero-pay
+# (same HTTP path as e2e_one_pay_public_template; no merchant token)
+./taler-monitoring.sh -d stage.taler-ops.ch zero-pay
+COUNT=100 ./pay_talersticker_zero.sh
+# TESTPAYSAN shop (empty POST {}; bank auto-confirm on stagepaysan)
+./taler-monitoring.sh -d stage.lefrancpaysan.ch zero-pay
+COUNT=100 GAP_S=0.5 ./pay_talersticker_zero.sh          # 0.5s idle between pays/blocks
+COUNT=100 PARALLEL=4 ./pay_talersticker_zero.sh          # 4 wallets, 4 pays per block
+COUNT=100 PARALLEL=10 GAP_S=0.5 ./pay_talersticker_zero.sh
+COUNT=100 PARALLEL=all ./pay_talersticker_zero.sh        # one block, COUNT wallets
+# OUTDIR=/tmp/sticker-zero COUNT=3 ./pay_talersticker_zero.sh   # smoke
+# Prod vs stage.my, CHF:0, real-CHF mini: README_mytops.md (do not duplicate here).
 
 # Other domains — public HTTPS only (pass e2e/inside explicitly)
 ./taler-monitoring.sh -d taler.net
diff --git a/README_mytops.md b/README_mytops.md
new file mode 100644
index 0000000..c577b1c
--- /dev/null
+++ b/README_mytops.md
@@ -0,0 +1,23 @@
+# mytops / TOPS (CHF) — deltas
+
+Generic CLI: [README.md](./README.md). **cwd = this tree.** Instance/template only via env (`INST` `TEMPLATE` `MERCHANT`) — not baked as suite defaults here.
+
+| `-d` | Money |
+|------|--------|
+| `stage.my.taler-ops.ch` / `stage.taler-ops.ch` | stage CHF |
+| `my.taler-ops.ch` | **prod, real CHF** — on purpose only |
+
+```bash
+./taler-monitoring.sh -d my.taler-ops.ch urls
+./taler-monitoring.sh -d stage.my.taler-ops.ch urls
+# CHF:0 / mini ladder: set INST TEMPLATE MERCHANT; LADDER_STEPS=5; cap LADDER_MAX_AMOUNT
+# own sqlite: --wallet-db PATH [--wallet-migrate]  (same flag as taler-wallet-cli / harness)
+# Prod CHF:0 stickers instance is the one that exists on my.taler-ops.ch
+# stage.my: that template is missing (HTTP 2018). Wrapper default COUNT=100 + stage.my → expect fail until template exists.
+```
+
+| | |
+|--|--|
+| last100tx | `paid=true` without deposit often omitted; amount-sort hides CHF:0 |
+| Betel | SSH `taler-betel`, stage only |
+| Lifeline | no login without Freigabe |
diff --git a/README_testpaysan.md b/README_testpaysan.md
new file mode 100644
index 0000000..764cff1
--- /dev/null
+++ b/README_testpaysan.md
@@ -0,0 +1,25 @@
+# TESTPAYSAN (FP stage) — deltas
+
+Generic CLI: [README.md](./README.md). **cwd = this tree.** Instance/template via env, not in this file.
+
+| | |
+|--|--|
+| `-d` | `stage.lefrancpaysan.ch` (same as `stage.monnaie…`) |
+| Currency | TESTPAYSAN |
+| Public | `https://stage.{bank,exchange,monnaie}.lefrancpaysan.ch` |
+| Live UNIX | **`testpaysan`** · Quadlet **`stage-testpaysan`** · ports **9030–9032** · data **`/mnt/data/testpaysan`** |
+| SSH (this laptop) | Host **`francpaysan`**, then `sudo -n -u testpaysan` |
+| Stale | `stagepaysan` / `stage-lfp-*` / `francpaysan-stage-user` + `id_ed` — harness `-d` still prints those INSIDE_* flags; public URLs are correct |
+| HALT | no Quadlet recreate of `stage-testpaysan`; no prod `*.lefrancpaysan.ch` without `stage.` |
+| Config | persist under `/data/etc/…-overrides.conf`, never `/usr/share` |
+| Pasta | guest `/etc/hosts` → `169.254.1.2` for those FQDNs |
+
+```bash
+./taler-monitoring.sh -d stage.lefrancpaysan.ch urls
+E2E_WALLET_SERVE=1 E2E_TIMEOUT=480 ./taler-monitoring.sh -d stage.lefrancpaysan.ch e2e
+# mini ladder: LADDER_STEPS=5 (not 3). Pay instance = env LADDER_PAY_TEMPLATE_INSTANCE
+COUNT=1 ./taler-monitoring.sh -d stage.lefrancpaysan.ch zero-pay   # needs a funded wallet
+# own sqlite (Android/iOS export): --wallet-db PATH  [--wallet-migrate]
+```
+
+**Smoke 2026-08-30:** `urls` HTTPS OK; **3 ERROR** `stats.json` stuck **2026-08-29 13:36 CEST**. `zero-pay` COUNT=1 **FAIL** insufficient balance without prior `e2e` withdraw.
diff --git a/TESTS.md b/TESTS.md
index 78c3c11..f7b199e 100644
--- a/TESTS.md
+++ b/TESTS.md
@@ -122,6 +122,7 @@ When filing an issue, quote the full id + label, e.g.
 |------------|---------|
 | **versions.outside-** | deb.taler.net suite index |
 | **versions.host-** | host-podman: packages via local `podman exec` (`INSIDE_PODMAN=1`). Stage-lfp uses `stage-lfp-*` names even in this mode (not GOA `taler-hacktivism*`) |
+| **zero-pay.** | public-template pays (`check_zero_pay.sh`); COUNT=1 in phase |
 | **versions.ssh-** | ssh: packages via `KOOPA_SSH` / `INSIDE_SSH` from laptop/remote |
 | **versions.compare-** | installed vs suite |
 | **aptdeploy.trixie-fresh-** | fresh rebuild container `…-apt-src-trixie` |
diff --git a/VERSION b/VERSION
index 63f23d2..dd43a14 100644
--- a/VERSION
+++ b/VERSION
@@ -1 +1 @@
-1.23.9
+1.26.1
diff --git a/VERSIONS.md b/VERSIONS.md
index 3090309..cb1174e 100644
--- a/VERSIONS.md
+++ b/VERSIONS.md
@@ -17,6 +17,9 @@ Git tags: `vMAJOR.FEATURE.FIX` (e.g. `v1.8.0`). File `VERSION` omits the `v` pre
 
 | Tag | Date (UTC) | Notes |
 |-----|------------|--------|
+| **v1.26.1** | 2026-08-31 | **Bugfix:** public order settle accepts `StatusPaidResponse` (`refunded`/`refund_taken`); `paid`/`order_status` not on public GET. |
+| **v1.26.0** | 2026-08-30 | **Feature:** `--wallet-db PATH` / `--wallet-migrate` (taler-wallet-cli / taler-harness names) for e2e, ladder, zero-pay. TESTPAYSAN: one Quadlet `stage-testpaysan`; e2e token-pay via env `E2E_TOKEN_*` / `--choice-index`. Stack READMEs `README_testpaysan.md` / `README_mytops.md`. |
+| **v1.24.0** | 2026-08-30 | **Feature / zero-pay:** public-template pays as phase `zero-pay` (`check_zero_pay.sh`). Default merchant **stage.my.taler-ops.ch** (CHF:0 stickers). Wrapper `pay_talersticker_zero.sh` COUNT=100. TESTPAYSAN: empty POST `{}` + auto-confirm of bank wires (host `auto-confirm-withdrawals`). Not in default 4h PHASES (use COUNT=1). |
 | **v1.23.9** | 2026-08-30 | **Bugfix / versions:** `INSIDE_PODMAN=1` on stagepaysan still used GOA container names → empty `dpkg-query` → **versions.host-04** ERROR on `/monitoring_err`. Stage-lfp names apply in host-podman too; `run-fp-stage-monitoring.sh` exports `INSIDE_*_CTR`. |
 | **v1.23.8** | 2026-08-29 | **Bugfix / ladder:** harness-style wallet daemon — `ladder/lib_wallet_serve.sh` (`advanced serve` + `--wallet-connection`, default `LADDER_WALLET_SERVE=1`). Mint sends `exchange_url`; settle/pay-wait skip one-shot `run-pending` when serve is up. Aligns mon ladder with taler-harness WalletService + e2e serve path (no run-until-done). CLI-AUTOMATION-NOTES §1a. |
 | **v1.23.7** | 2026-07-22 | **FP stage host-agent:** ship `taler-monitoring-fp-stage.{service,timer}`; `install-host-agent.sh --fp-stage` (stagepaysan) enables FP mon only, disables GOA timers on that host, enforces suite tip knobs. Same sticky/publish pipeline as GOA. |
diff --git a/check_amount_ladder.sh b/check_amount_ladder.sh
index c91528b..36c0972 100755
--- a/check_amount_ladder.sh
+++ b/check_amount_ladder.sh
@@ -210,7 +210,7 @@ export LADDER_MODE LADDER_MAX_PROBES LADDER_MAX_TOL_REL LADDER_HIGH_RUNGS LADDER
 export LADDER_FREE_TEMPLATE LADDER_FREE_TEMPLATE_INSTANCE LADDER_USE_FREE_TEMPLATE LADDER_PAY_WAIT_AVAILABLE_S
 
 SCRATCH=$(mktemp -d)
-WDB="$SCRATCH/wallet.sqlite3"
+WDB=$(taler_mon_resolve_wallet_db "$SCRATCH/wallet.sqlite3") || exit 2
 REPORT_DIR="${LADDER_REPORT_DIR:-$SCRATCH}"
 mkdir -p "$REPORT_DIR"
 TSV="$REPORT_DIR/ladder-results.tsv"
diff --git a/check_e2e.sh b/check_e2e.sh
index 9e20c62..7596691 100755
--- a/check_e2e.sh
+++ b/check_e2e.sh
@@ -8,8 +8,8 @@ source "$ROOT/lib.sh"
 # shellcheck source=metrics.sh
 source "$ROOT/metrics.sh"
 
-: "${E2E_TIMEOUT:=180}"  # Bank withdraw ladder + wirewatch lag needs room (was 55 — too tight)
-: "${E2E_PAY_SECS:=22}"  # hard reserve for handle-uri + settle (do not starve pay)
+: "${E2E_TIMEOUT:=360}"  # Bank withdraw + refresh/pay + shop sample + token-pay
+: "${E2E_PAY_SECS:=60}"  # handle-uri + coin refresh; macOS perl SIGALRM kills at this cap
 : "${E2E_SETTLE_ROUNDS:=18}"
 : "${E2E_SETTLE_SLEEP:=3}"
 E2E_START=$(date +%s)
@@ -307,7 +307,7 @@ PAY_AMT=$(printf '%s' "$PAY_LIST" | awk '{print $1}')
 if [ "$E2E_VARIABLE" = "1" ]; then
   n_w=$(printf '%s' "$WITHDRAW_LIST" | wc -w | tr -d ' ')
   n_p=$(printf '%s' "$PAY_LIST" | wc -w | tr -d ' ')
-  need=$(( 50 + n_w * 40 + n_p * 20 + 60 ))  # + room for paivana pay
+  need=$(( 80 + n_w * 50 + n_p * 50 + 180 ))  # shop sample + token-pay + refresh room
   if [ "${E2E_TIMEOUT}" -lt "$need" ]; then
     E2E_TIMEOUT=$need
   fi
@@ -330,8 +330,9 @@ fi
 BANK_HOST=$(python3 -c 'from urllib.parse import urlparse; print(urlparse("'"$BANK_PUBLIC"'").hostname or "bank")' 2>/dev/null || echo bank)
 
 SCRATCH=$(mktemp -d)
-WDB="$SCRATCH/wallet.sqlite3"
-WSOCK="$SCRATCH/wallet.sock"
+WDB=$(taler_mon_resolve_wallet_db "$SCRATCH/wallet.sqlite3") || exit 2
+# macOS AF_UNIX path cap ~104 bytes. Do not use $TMPDIR (/var/folders/...).
+WSOCK="/tmp/e2e-wcli-$$.sock"
 WSERVE_PID=""
 # Client/server wallet (advanced serve): long-lived shepherd without run-until-done.
 # Default on — wallet-cli only completes withdraw/pay while a serve process is up.
@@ -598,20 +599,26 @@ start_wallet_serve() {
   [ -n "${WALLET_CLI:-}" ] && [ -f "${WALLET_CLI}" ] || return 1
   stop_wallet_serve
   rm -f "$WSOCK"
+  # helper shebang is /usr/bin/env python3 — macOS /usr/bin/python3 is 3.9 (FATAL).
+  export PATH="/opt/homebrew/bin:/usr/local/bin:${HOME}/.local/bin:${PATH}"
+  export PYTHON="${PYTHON:-$(command -v python3)}"
   # serve holds the DB open; clients use --wallet-connection only
   "$NODE_BIN" "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults \
     advanced serve --unix-path "$WSOCK" \
     >"$SCRATCH/wallet-serve.log" 2>&1 &
   WSERVE_PID=$!
   local i
-  for i in $(seq 1 40); do
-    if [ -S "$WSOCK" ] && kill -0 "$WSERVE_PID" 2>/dev/null; then
+  for i in $(seq 1 80); do
+    if kill -0 "$WSERVE_PID" 2>/dev/null && { [ -S "$WSOCK" ] || grep -q "serving at" "$SCRATCH/wallet-serve.log" 2>/dev/null; }; then
       ok "wallet serve" "pid=$WSERVE_PID sock=$WSOCK (no run-until-done)"
       return 0
     fi
+    if ! kill -0 "$WSERVE_PID" 2>/dev/null; then
+      break
+    fi
     sleep 0.15
   done
-  warn "wallet serve" "socket not ready — falling back to one-shot CLI (coins may stay pending)"
+  warn "wallet serve" "socket not ready — $(head -c 180 "$SCRATCH/wallet-serve.log" 2>/dev/null | tr '\n' ' ')"
   stop_wallet_serve
   return 1
 }
@@ -658,20 +665,10 @@ wcli() {
   fi
 }
 
-# Pay must not be starved: use reserved seconds even if global budget is tight
+# Pay must not be starved: always keep the reserved handle-uri cap
+# (leftover e2e budget used to shrink this to 12–14s → SIGALRM mid-pay).
 wcli_pay() {
   local cap=$E2E_PAY_SECS
-  local left
-  left=$(e2e_left)
-  left=$(printf '%s' "$left" | awk '/^[0-9]+$/{print; exit} {for(i=1;i<=NF;i++) if($i+0==$i){print $i; exit}}')
-  if [ -n "$left" ] && [ "$left" -gt "$cap" ] 2>/dev/null; then
-    cap=$E2E_PAY_SECS
-  elif [ -n "$left" ] && [ "$left" -ge 8 ] 2>/dev/null; then
-    cap=$left
-  else
-    # still try once with floor 12s so Alarm clock is not the blocker
-    cap=12
-  fi
   info "pay wallet cap" "${cap}s"
   if [ -n "${WSERVE_PID:-}" ] && [ -S "${WSOCK:-}" ]; then
     _wcli_exec "$cap" --wallet-connection="$WSOCK" --no-throttle "$@"
@@ -1203,16 +1200,7 @@ except Exception: print("")
     fi
     if grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
       || grep -qiE 'done|paid|success|Payment' "$SCRATCH/pay-$tag.out" 2>/dev/null \
-      || python3 -c 'import json,sys
-for p in sys.argv[1:]:
-  try:
-    d=json.load(open(p))
-    if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid":
-      sys.exit(0)
-  except Exception:
-    pass
-sys.exit(1)
-' "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null; then
+      || merchant_order_json_is_paid "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null; then
       ok "payment settled $PAY_AMT ($PAY_SUM · order $OID)"
       metrics_report_coins "after-pay-${tag}" || true
       metrics_record_flow spent "$PAY_AMT" || true
@@ -1343,16 +1331,7 @@ except Exception: print("")
         "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
     fi
     curl -skS -m 8 -o "$SCRATCH/ord-pub-$tag.json" "$statusUrl" 2>/dev/null || true
-    if python3 -c 'import json,sys
-for p in sys.argv[1:]:
-  try:
-    d=json.load(open(p))
-    if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid":
-      sys.exit(0)
-  except Exception:
-    pass
-sys.exit(1)
-' "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null \
+    if merchant_order_json_is_paid "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null \
       || grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
       || grep -qiE 'done|paid|success|Payment' "$SCRATCH/pay-$tag.out" 2>/dev/null; then
       ok "shop $pname" "payment settled ($pamt · order $OID)"
@@ -1717,12 +1696,120 @@ else
   info "paivana summary" "${PAIVANA_REPORT:-?} · instance ${E2E_PAIVANA_INSTANCE}"
 fi
 
+# ---------------------------------------------------------------------------
+# Loyalty-token pays (generic). TESTPAYSAN default = stage token-order API.
+# Override: E2E_TOKEN_ORDER_URL E2E_TOKEN_PRODUCT E2E_TOKEN_PAID_N E2E_TOKEN_FREE_N
+# ---------------------------------------------------------------------------
+if [ "${CUR:-}" = "TESTPAYSAN" ] && [ -z "${E2E_TOKEN_ENABLE:-}" ]; then
+  E2E_TOKEN_ENABLE=1
+fi
+: "${E2E_TOKEN_ORDER_URL:=https://stage.monnaie.lefrancpaysan.ch/shops/api/kiosque-order}"
+: "${E2E_TOKEN_PRODUCT:=prod_banana}"
+: "${E2E_TOKEN_PAID_N:=2}"
+: "${E2E_TOKEN_FREE_N:=1}"
+TOKEN_OK=0
+TOKEN_OK_N=0
+TOKEN_FAIL_N=0
+TOKEN_REPORT=""
+
+e2e_one_token_order() {
+  local product="$1" choice="$2" tag="$3"
+  local body create_f payuri oid otok inst
+  body=$(python3 -c 'import json,sys; print(json.dumps({"product_id":sys.argv[1]}))' "$product")
+  create_f="$SCRATCH/token-$tag.json"
+  curl -skS -m 20 -o "$create_f" -X POST \
+    -H 'Content-Type: application/json' -d "$body" \
+    "$E2E_TOKEN_ORDER_URL" 2>"$SCRATCH/token-$tag.err" || true
+  oid=$(python3 -c 'import json,sys
+try:
+ d=json.load(open(sys.argv[1])); print(d.get("order_id") or "")
+except Exception: print("")' "$create_f" 2>/dev/null || true)
+  otok=$(python3 -c 'import json,sys
+try:
+ d=json.load(open(sys.argv[1])); print(d.get("token") or "")
+except Exception: print("")' "$create_f" 2>/dev/null || true)
+  payuri=$(python3 -c 'import json,sys
+try:
+ d=json.load(open(sys.argv[1])); print((d.get("taler_pay_uri") or "").replace(":443",""))
+except Exception: print("")' "$create_f" 2>/dev/null || true)
+  if [ -z "$oid" ] || [ -z "$payuri" ]; then
+    warn "token-pay $tag" "order POST failed — $(head -c 120 "$create_f" 2>/dev/null | tr '\n' ' ')"
+    return 1
+  fi
+  info "token-pay $tag" "order $oid choice=$choice product=$product"
+  if ! wcli_pay handle-uri --yes --non-interactive --choice-index="$choice" "$payuri" \
+    >"$SCRATCH/token-pay-$tag.out" 2>&1; then
+    warn "token-pay $tag" "handle-uri failed — $(tail -c 140 "$SCRATCH/token-pay-$tag.out" | tr '\n' ' ')"
+    return 1
+  fi
+  # wallet-cli can print Payment expired/failed and still exit 0
+  if grep -qiE 'Payment expired|Payment failed|Payment aborted|insufficient balance' \
+       "$SCRATCH/token-pay-$tag.out" 2>/dev/null; then
+    warn "token-pay $tag" "handle-uri not paid — $(tail -c 140 "$SCRATCH/token-pay-$tag.out" | tr '\n' ' ')"
+    return 1
+  fi
+  inst="${E2E_TOKEN_INSTANCE:-kiosque-banane}"
+  local r
+  for r in 1 2 3 4 5 6 8 10 12 15 18 20; do
+    if [ -n "$otok" ]; then
+      curl -skS -m 8 -o "$SCRATCH/token-st-$tag.json" \
+        "${MERCHANT_PUBLIC}/instances/${inst}/orders/$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$oid")?token=$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$otok")" \
+        2>/dev/null || true
+      if merchant_order_json_is_paid "$SCRATCH/token-st-$tag.json" 2>/dev/null; then
+        ok "token-pay $tag" "paid choice=$choice oid=$oid"
+        return 0
+      fi
+    fi
+    sleep 2
+  done
+  warn "token-pay $tag" "not settled for order $oid — $(head -c 80 "$SCRATCH/token-st-$tag.json" 2>/dev/null | tr '\n' ' ')"
+  return 1
+}
+
+if [ "${E2E_TOKEN_ENABLE}" = "1" ]; then
+  set_group token
+  section "e2e · token pays (public order API)"
+  info "token-pay" "POST $E2E_TOKEN_ORDER_URL product=$E2E_TOKEN_PRODUCT paid_n=$E2E_TOKEN_PAID_N free_n=$E2E_TOKEN_FREE_N"
+  _ti=1
+  while [ "$_ti" -le "$E2E_TOKEN_PAID_N" ]; do
+    if e2e_one_token_order "$E2E_TOKEN_PRODUCT" 0 "paid${_ti}"; then
+      TOKEN_OK_N=$((TOKEN_OK_N + 1))
+      TOKEN_REPORT="${TOKEN_REPORT:+$TOKEN_REPORT }paid${_ti}=OK"
+    else
+      TOKEN_FAIL_N=$((TOKEN_FAIL_N + 1))
+      TOKEN_REPORT="${TOKEN_REPORT:+$TOKEN_REPORT }paid${_ti}=FAIL"
+    fi
+    _ti=$((_ti + 1))
+  done
+  _ti=1
+  while [ "$_ti" -le "$E2E_TOKEN_FREE_N" ]; do
+    if e2e_one_token_order "$E2E_TOKEN_PRODUCT" 1 "free${_ti}"; then
+      TOKEN_OK_N=$((TOKEN_OK_N + 1))
+      TOKEN_REPORT="${TOKEN_REPORT:+$TOKEN_REPORT }free${_ti}=OK"
+    else
+      TOKEN_FAIL_N=$((TOKEN_FAIL_N + 1))
+      TOKEN_REPORT="${TOKEN_REPORT:+$TOKEN_REPORT }free${_ti}=FAIL"
+    fi
+    _ti=$((_ti + 1))
+  done
+  unset _ti
+  if [ "$TOKEN_FAIL_N" = "0" ] && [ "$TOKEN_OK_N" -gt 0 ]; then
+    TOKEN_OK=1
+    PAY_OK=1
+    PAY_OK_N=$((PAY_OK_N + TOKEN_OK_N))
+    ok "token-pay summary" "$TOKEN_REPORT"
+  else
+    warn "token-pay summary" "$TOKEN_REPORT"
+  fi
+fi
+
 set_group report
 section "e2e · report"
 info "user" "$USER"
 info "Bank withdraws" "$WITHDRAW_REPORT"
 info "payments" "$PAY_REPORT"
 info "shop" "${SHOP_REPORT:-(n/a)}"
+info "token-pay" "${TOKEN_REPORT:-(n/a)}"
 info "paivana" "${PAIVANA_REPORT:-(n/a)}"
 info "final balance" "$(fmt_bal "$SCRATCH/bal-live.out" 2>/dev/null || echo "(n/a)")"
 info "scratch" "$SCRATCH"
diff --git a/check_inside.sh b/check_inside.sh
index 38f145f..c1ba27a 100755
--- a/check_inside.sh
+++ b/check_inside.sh
@@ -58,9 +58,9 @@ info "flags" "INSIDE_ACCESS=${INSIDE_ACCESS} INSIDE_PODMAN=${INSIDE_PODMAN:-0} I
 # ---------------------------------------------------------------------------
 if [ "$PROFILE" = "stage-lfp" ]; then
   SSH_HOST="${INSIDE_SSH:-}"
-  BANK_CTR="${INSIDE_BANK_CTR:-stage-lfp-bank}"
-  EX_CTR="${INSIDE_EXCHANGE_CTR:-stage-lfp-exchange-ansible}"
-  MER_CTR="${INSIDE_MERCHANT_CTR:-stage-lfp-merchant}"
+  BANK_CTR="${INSIDE_BANK_CTR:-stage-testpaysan}"
+  EX_CTR="${INSIDE_EXCHANGE_CTR:-stage-testpaysan}"
+  MER_CTR="${INSIDE_MERCHANT_CTR:-stage-testpaysan}"
   BANK_PORT="${INSIDE_BANK_PORT:-9032}"
   EX_PORT="${INSIDE_EXCHANGE_PORT:-9031}"
   MER_PORT="${INSIDE_MERCHANT_PORT:-9030}"
@@ -101,9 +101,9 @@ hasp() { podman exec "$1" pgrep -f "$2" >/dev/null 2>&1; }
 BANK="${BANK_CTR}"
 EX="${EX_CTR}"
 MER="${MER_CTR}"
-podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$BANK" || BANK=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage.*bank|lfp-bank' | head -1)
-podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$EX" || EX=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage.*exchange|lfp-exchange' | head -1)
-podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$MER" || MER=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage.*merchant|lfp-merchant' | head -1)
+podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$BANK" || BANK=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage-testpaysan|stage.*bank|lfp-bank' | head -1)
+podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$EX" || EX=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage-testpaysan|stage.*exchange|lfp-exchange' | head -1)
+podman ps --format '{{.Names}}' 2>/dev/null | grep -qx "$MER" || MER=$(podman ps --format '{{.Names}}' 2>/dev/null | grep -iE 'stage-testpaysan|stage.*merchant|lfp-merchant' | head -1)
 
 check_dns() {
   local comp="$1" ctr="$2" host="$3"
diff --git a/check_versions.sh b/check_versions.sh
index 24c20be..8fbc2e6 100755
--- a/check_versions.sh
+++ b/check_versions.sh
@@ -187,9 +187,9 @@ fi
 # GOA names → empty dpkg list → versions.host-04 ERROR (public /monitoring_err).
 if [ "${INSIDE_PROFILE:-}" = "stage-lfp" ] \
   || [ "${EXPECT_CURRENCY:-}" = "TESTPAYSAN" ]; then
-  _VERS_BANK="${INSIDE_BANK_CTR:-stage-lfp-bank}"
-  _VERS_EX="${INSIDE_EXCHANGE_CTR:-stage-lfp-exchange-ansible}"
-  _VERS_MER="${INSIDE_MERCHANT_CTR:-stage-lfp-merchant}"
+  _VERS_BANK="${INSIDE_BANK_CTR:-stage-testpaysan}"
+  _VERS_EX="${INSIDE_EXCHANGE_CTR:-stage-testpaysan}"
+  _VERS_MER="${INSIDE_MERCHANT_CTR:-stage-testpaysan}"
 fi
 
 if [ "$_VERS_LOCAL" = "1" ]; then
diff --git a/check_zero_pay.sh b/check_zero_pay.sh
new file mode 100755
index 0000000..fb53894
--- /dev/null
+++ b/check_zero_pay.sh
@@ -0,0 +1,471 @@
+#!/usr/bin/env bash
+# Phase zero-pay: public-template pays (CHF:0 stickers / TESTPAYSAN shop).
+# Same path as e2e_one_pay_public_template. Never run-until-done.
+# Wrapper: pay_talersticker_zero.sh (COUNT default 100).
+#
+# Env: COUNT (phase default 1) GAP_S PARALLEL MERCHANT INST TEMPLATE AMOUNT
+#      EXCHANGE ZERO_PAY_POST=amount|empty  HANDLE_SECS SETTLE_TRIES SETTLE_SLEEP
+#
+set -euo pipefail
+
+ROOT=$(cd "$(dirname "$0")" && pwd)
+# shellcheck source=lib.sh
+source "$ROOT/lib.sh"
+# shellcheck source=metrics.sh
+source "$ROOT/metrics.sh"
+set_area zero-pay
+
+# Homebrew python3 (>=3.11) must beat /usr/bin/python3 3.9 — taler-helper-sqlite3.
+export PATH="/opt/homebrew/bin:${HOME}/.local/bin:/usr/local/bin:/usr/bin:/bin:${PATH:-}"
+
+die() { echo "ERROR: $*" >&2; fail "zero-pay" "$*" 2>/dev/null || true; exit 1; }
+
+COUNT="${COUNT:-${ZERO_PAY_COUNT:-1}}"
+GAP_S="${GAP_S:-0}"
+PARALLEL="${PARALLEL:-1}"
+MERCHANT="${MERCHANT:-${MERCHANT_PUBLIC:-https://stage.my.taler-ops.ch}}"
+MERCHANT="${MERCHANT%/}"
+CUR="${EXPECT_CURRENCY:-${CUR:-}}"
+if [ "$CUR" = "TESTPAYSAN" ]; then
+  INST="${INST:-${ZERO_PAY_INST:-jardin-du-creux}}"
+  TEMPLATE="${TEMPLATE:-${ZERO_PAY_TEMPLATE:-oeufs-6}}"
+  AMOUNT="${AMOUNT:-${ZERO_PAY_AMOUNT:-TESTPAYSAN:5}}"
+  EXCHANGE="${EXCHANGE:-${EXCHANGE_PUBLIC:-https://stage.exchange.lefrancpaysan.ch/}}"
+  ZERO_PAY_POST="${ZERO_PAY_POST:-empty}"
+else
+  INST="${INST:-${ZERO_PAY_INST:-admin}}"
+  TEMPLATE="${TEMPLATE:-${ZERO_PAY_TEMPLATE:-stickers}}"
+  AMOUNT="${AMOUNT:-${ZERO_PAY_AMOUNT:-CHF:0}}"
+  EXCHANGE="${EXCHANGE:-${EXCHANGE_PUBLIC:-https://exchange.stage.taler-ops.ch/}}"
+  ZERO_PAY_POST="${ZERO_PAY_POST:-amount}"
+fi
+EXCHANGE="${EXCHANGE%/}/"
+HANDLE_SECS="${HANDLE_SECS:-25}"
+SETTLE_TRIES="${SETTLE_TRIES:-40}"
+SETTLE_SLEEP="${SETTLE_SLEEP:-0.15}"
+case "$GAP_S" in
+  ''|*[!0-9.]*|*.*.*) die "GAP_S must be a non-negative number (got $GAP_S)" ;;
+esac
+case "$COUNT" in
+  ''|*[!0-9]*) die "COUNT must be a positive integer (got $COUNT)" ;;
+esac
+[ "$COUNT" -ge 1 ] || die "COUNT must be >= 1"
+case "$PARALLEL" in
+  all|ALL) PARALLEL="$COUNT" ;;
+  ''|*[!0-9]*) die "PARALLEL must be a positive integer or all (got $PARALLEL)" ;;
+esac
+[ "$PARALLEL" -ge 1 ] || die "PARALLEL must be >= 1"
+if [ "$PARALLEL" -gt "$COUNT" ]; then
+  PARALLEL="$COUNT"
+fi
+
+OUTDIR="${OUTDIR:-/tmp/talersticker-zero-$(date +%Y%m%d-%H%M%S)}"
+mkdir -p "$OUTDIR"
+TSV="$OUTDIR/results.tsv"
+LOG="$OUTDIR/run.log"
+SCRATCH="$OUTDIR/scratch"
+mkdir -p "$SCRATCH"
+SERVE_PIDFILE="$OUTDIR/serve.pids"
+
+if [ -z "${TALER_MON_STATE:-}" ]; then
+  exec > >(tee -a "$LOG") 2>&1
+fi
+
+now_ms() { python3 -c 'import time; print(int(time.time()*1000))'; }
+
+if [ -n "${WALLET_DB:-}" ] && [ "$PARALLEL" -gt 1 ]; then
+  die "--wallet-db / WALLET_DB needs PARALLEL=1"
+fi
+slot_db() {
+  if [ -n "${WALLET_DB:-}" ] && [ "$1" = "0" ]; then
+    taler_mon_resolve_wallet_db "$OUTDIR/wallet-0.sqlite3" || exit 2
+  else
+    echo "$OUTDIR/wallet-$1.sqlite3"
+  fi
+}
+slot_sock() { echo "$OUTDIR/wallet-$1.sock"; }
+slot_log() { echo "$OUTDIR/wallet-serve-$1.log"; }
+
+stop_wallet_serve() {
+  if [ -f "$SERVE_PIDFILE" ]; then
+    while read -r pid; do
+      [ -n "$pid" ] || continue
+      kill "$pid" 2>/dev/null || true
+      wait "$pid" 2>/dev/null || true
+    done <"$SERVE_PIDFILE"
+    rm -f "$SERVE_PIDFILE"
+  fi
+  rm -f "$OUTDIR"/wallet-*.sock 2>/dev/null || true
+}
+trap 'stop_wallet_serve' EXIT
+
+_wcli_exec() {
+  local cap="$1"
+  shift
+  local -a cmd
+  cmd=( "$NODE_BIN" "$WALLET_CLI" "$@" )
+  if command -v timeout >/dev/null 2>&1; then
+    timeout -k 2 "$cap" "${cmd[@]}"
+  elif command -v gtimeout >/dev/null 2>&1; then
+    gtimeout --kill-after=2 "$cap" "${cmd[@]}"
+  else
+    perl -e 'alarm shift; exec @ARGV' "$cap" "${cmd[@]}"
+  fi
+}
+
+wcli_slot() {
+  local slot="$1"
+  local cap="$2"
+  shift 2
+  local sock db
+  sock=$(slot_sock "$slot")
+  db=$(slot_db "$slot")
+  if [ -S "$sock" ]; then
+    _wcli_exec "$cap" --wallet-connection="$sock" --no-throttle "$@"
+  else
+    _wcli_exec "$cap" --wallet-db="$db" --no-throttle --skip-defaults "$@"
+  fi
+}
+
+start_wallet_slot() {
+  local slot="$1"
+  local sock db log
+  sock=$(slot_sock "$slot")
+  db=$(slot_db "$slot")
+  log=$(slot_log "$slot")
+  rm -f "$sock"
+  "$NODE_BIN" "$WALLET_CLI" --wallet-db="$db" --no-throttle --skip-defaults \
+    advanced serve --unix-path "$sock" \
+    >"$log" 2>&1 &
+  local pid=$!
+  echo "$pid" >>"$SERVE_PIDFILE"
+  local i
+  for i in $(seq 1 50); do
+    if [ -S "$sock" ] && kill -0 "$pid" 2>/dev/null; then
+      info "wallet serve slot=$slot pid=$pid"
+      return 0
+    fi
+    sleep 0.1
+  done
+  echo "WARN: wallet serve slot=$slot socket not ready"
+  return 1
+}
+
+find_wallet_cli() {
+  if [ -n "${WALLET_CLI:-}" ] && [ -f "$WALLET_CLI" ]; then
+    printf '%s\n' "$WALLET_CLI"
+    return 0
+  fi
+  local c
+  for c in \
+    "${HOME}/src/llm-qwythos/taler/taler-typescript-core/packages/taler-wallet-cli/bin/taler-wallet-cli.mjs" \
+    "${HOME}/src/taler/taler-typescript-core/packages/taler-wallet-cli/bin/taler-wallet-cli.mjs" \
+    "${HOME}/.local/bin/taler-wallet-cli.mjs" \
+    "${HOME}/src/llm-qwythos/taler/taler-typescript-core/packages/taler-wallet-cli/dist/taler-wallet-cli-bundled.cjs"
+  do
+    [ -f "$c" ] && { printf '%s\n' "$c"; return 0; }
+  done
+  return 1
+}
+
+NODE_BIN=$(command -v node) || die "node not found"
+python3 - <<'PY' || die "python3 >= 3.11 required (taler-helper-sqlite3)"
+import sys
+raise SystemExit(0 if sys.version_info >= (3, 11) else 1)
+PY
+command -v taler-helper-sqlite3 >/dev/null || die "taler-helper-sqlite3 not on PATH"
+WALLET_CLI=$(find_wallet_cli) || die "taler-wallet-cli .mjs not found (set WALLET_CLI=)"
+
+json_get() {
+  python3 -c 'import json,sys
+p,k=sys.argv[1],sys.argv[2]
+try:
+  d=json.load(open(p))
+  v=d
+  for part in k.split("."):
+    if isinstance(v, dict):
+      v=v.get(part)
+    else:
+      v=None
+      break
+  print("" if v is None else v)
+except Exception:
+  print("")
+' "$@"
+}
+
+create_template_order() {
+  local summary="$1" out="$2"
+  local body url
+  if [ "${ZERO_PAY_POST}" = "empty" ]; then
+    body='{}'
+  else
+    body=$(python3 -c 'import json,sys; print(json.dumps({"amount":sys.argv[1],"summary":sys.argv[2]}))' "$AMOUNT" "$summary")
+  fi
+  url="${MERCHANT}/instances/${INST}/templates/${TEMPLATE}"
+  if [ "$INST" = "admin" ] || [ "$INST" = "default" ] || [ -z "$INST" ]; then
+    url="${MERCHANT}/templates/${TEMPLATE}"
+  fi
+  curl -sS -m 20 -X POST -H "Content-Type: application/json" -d "$body" "$url" >"$out"
+}
+
+order_public() {
+  local oid="$1" tok="$2" out="$3"
+  local qoid qtok base
+  qoid=$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$oid")
+  qtok=$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$tok")
+  if [ "$INST" = "admin" ] || [ "$INST" = "default" ] || [ -z "$INST" ]; then
+    base="${MERCHANT}/orders/${qoid}?token=${qtok}"
+  else
+    base="${MERCHANT}/instances/${INST}/orders/${qoid}?token=${qtok}"
+  fi
+  curl -sS -m 12 "$base" >"$out"
+}
+
+order_is_paid() {
+  merchant_order_json_is_paid "$1"
+}
+
+wallet_handle_done() {
+  grep -q "Finished with status .done." "$1" 2>/dev/null
+}
+
+write_row() {
+  # n oid create handle settle total status payuri
+  printf '%s\t%s\t%s\t%s\t%s\t%s\t%s\t%s\n' "$@"
+}
+
+# One payment. Args: n slot. Always writes scratch/row.N.tsv and scratch/msg.N.txt.
+do_one_pay() {
+  local n="$1" slot="$2"
+  local tag
+  tag=$(printf '%03d' "$n")
+  local nonce summary create_f status_f pay_f row_f msg_f
+  nonce="${n}-$(date +%s)-$RANDOM"
+  summary="taler-monitoring zero-pay #${n} ${nonce}"
+  create_f="$SCRATCH/ord-$tag.json"
+  status_f="$SCRATCH/st-$tag.json"
+  pay_f="$SCRATCH/pay-$tag.out"
+  row_f="$SCRATCH/row.$n.tsv"
+  msg_f="$SCRATCH/msg.$n.txt"
+
+  local t0 t1 t_create t_h0 t_h1 t_s0 t_s1
+  local create_ms handle_ms settle_ms total_ms
+  local oid tok payuri hint hc status
+  local settled merchant_paid i fail_tail
+
+  t0=$(now_ms)
+  if ! create_template_order "$summary" "$create_f"; then
+    t1=$(now_ms)
+    create_ms=$((t1-t0))
+    write_row "$n" "" "$create_ms" "" "" "$create_ms" "CREATE_HTTP_FAIL" "" >"$row_f"
+    echo "[$tag] CREATE_HTTP_FAIL ${create_ms}ms slot=$slot" >"$msg_f"
+    return 0
+  fi
+  oid=$(json_get "$create_f" order_id)
+  tok=$(json_get "$create_f" token)
+  t_create=$(now_ms)
+  create_ms=$((t_create-t0))
+  if [ -z "$oid" ] || [ -z "$tok" ]; then
+    hint=$(json_get "$create_f" hint)
+    write_row "$n" "" "$create_ms" "" "" "$create_ms" "CREATE_FAIL" "" >"$row_f"
+    echo "[$tag] CREATE_FAIL ${create_ms}ms hint=${hint} slot=$slot" >"$msg_f"
+    return 0
+  fi
+
+  order_public "$oid" "$tok" "$status_f" || true
+  payuri=$(json_get "$status_f" taler_pay_uri)
+  if [ -z "$payuri" ]; then
+    local mh
+    mh=$(python3 -c 'from urllib.parse import urlparse; print(urlparse("'"$MERCHANT"'").hostname or "")')
+    payuri="taler://pay/${mh}/instances/${INST}/${oid}/?c=${tok}"
+  fi
+  payuri=$(printf '%s' "$payuri" | sed 's/:443\//\//g; s/:443?/?/g')
+
+  t_h0=$(now_ms)
+  set +e
+  wcli_slot "$slot" "$HANDLE_SECS" handle-uri --yes --non-interactive "$payuri" >"$pay_f" 2>&1
+  hc=$?
+  set -e
+  t_h1=$(now_ms)
+  handle_ms=$((t_h1-t_h0))
+  if grep -q "Payment failed" "$pay_f" 2>/dev/null; then
+    hc=1
+  fi
+
+  settled=0
+  merchant_paid=0
+  t_s0=$(now_ms)
+  i=1
+  while [ "$i" -le "$SETTLE_TRIES" ]; do
+    order_public "$oid" "$tok" "$status_f" || true
+    if order_is_paid "$status_f"; then
+      merchant_paid=1
+      settled=1
+      break
+    fi
+    if wallet_handle_done "$pay_f"; then
+      settled=1
+    fi
+    if [ "$settled" = "1" ] && [ "$i" -ge 3 ]; then
+      break
+    fi
+    sleep "$SETTLE_SLEEP"
+    i=$((i+1))
+  done
+  t_s1=$(now_ms)
+  settle_ms=$((t_s1-t_s0))
+  total_ms=$((t_s1-t0))
+
+  if [ "$merchant_paid" = "1" ] || [ "$settled" = "1" ]; then
+    status=PAID
+  elif [ "$hc" = "0" ]; then
+    status=HANDLE_OK_UNSETTLED
+  else
+    status=HANDLE_FAIL
+  fi
+  write_row "$n" "$oid" "$create_ms" "$handle_ms" "$settle_ms" "$total_ms" "$status" "$payuri" >"$row_f"
+  echo "[$tag] $status oid=$oid create=${create_ms}ms handle=${handle_ms}ms settle=${settle_ms}ms total=${total_ms}ms slot=$slot" >"$msg_f"
+  if [ "$status" != "PAID" ]; then
+    fail_tail=$(tail -c 180 "$pay_f" | tr '\n' ' ')
+    echo "         handle-exit=${hc} tail=${fail_tail}" >>"$msg_f"
+  fi
+}
+
+prep_slot_exchange() {
+  local slot="$1"
+  wcli_slot "$slot" 40 exchanges add "$EXCHANGE" >"$OUTDIR/exchanges-add-$slot.out" 2>&1 || true
+  wcli_slot "$slot" 40 exchanges tos "$EXCHANGE" >"$OUTDIR/exchanges-tos-$slot.out" 2>&1 || true
+  wcli_slot "$slot" 40 exchanges accept-tos "$EXCHANGE" >"$OUTDIR/exchanges-accept-tos-$slot.out" 2>&1 || true
+}
+
+section "zero-pay · ${AMOUNT} x ${COUNT} · ${INST}/${TEMPLATE}"
+info "merchant  $MERCHANT"
+info "instance  $INST"
+info "template  $TEMPLATE  amount=$AMOUNT"
+info "wallet    $WALLET_CLI"
+info "python    $(command -v python3) $(python3 -c 'import sys; print(".".join(map(str,sys.version_info[:3])))')"
+info "helper    $(command -v taler-helper-sqlite3)"
+info "outdir    $OUTDIR"
+info "gap       ${GAP_S}s between blocks (not in total_ms)"
+info "parallel  $PARALLEL per block (own wallet serve per slot)"
+if [ "$PARALLEL" -gt 20 ]; then
+  echo "WARN: PARALLEL=$PARALLEL starts that many wallet-cli node processes"
+fi
+
+wcli_slot 0 25 version >"$OUTDIR/wallet-version.txt" 2>&1 || true
+info "wallet-cli $(head -1 "$OUTDIR/wallet-version.txt" 2>/dev/null || echo '?')"
+
+: >"$SERVE_PIDFILE"
+slot=0
+while [ "$slot" -lt "$PARALLEL" ]; do
+  start_wallet_slot "$slot" || true
+  prep_slot_exchange "$slot"
+  slot=$((slot+1))
+done
+
+wcli_slot 0 20 balance >"$OUTDIR/balance-before.txt" 2>&1 || true
+info "balance before: $(tr '\n' ' ' < "$OUTDIR/balance-before.txt" | tail -c 200)"
+
+printf 'n\torder_id\tcreate_ms\thandle_ms\tsettle_ms\ttotal_ms\tstatus\tpay_uri\n' >"$TSV"
+
+ok_n=0
+fail_n=0
+RUN_START_MS=$(now_ms)
+
+n=1
+while [ "$n" -le "$COUNT" ]; do
+  block_end=$((n + PARALLEL - 1))
+  if [ "$block_end" -gt "$COUNT" ]; then
+    block_end="$COUNT"
+  fi
+  slot=0
+  k="$n"
+  pay_pids=""
+  while [ "$k" -le "$block_end" ]; do
+    do_one_pay "$k" "$slot" &
+    pay_pids="$pay_pids $!"
+    slot=$((slot+1))
+    k=$((k+1))
+  done
+  set +e
+  for pid in $pay_pids; do
+    wait "$pid"
+  done
+  set -e
+  k="$n"
+  while [ "$k" -le "$block_end" ]; do
+    if [ -f "$SCRATCH/msg.$k.txt" ]; then
+      cat "$SCRATCH/msg.$k.txt"
+    else
+      echo "[$(printf '%03d' "$k")] MISSING (worker died)"
+    fi
+    if [ -f "$SCRATCH/row.$k.tsv" ]; then
+      cat "$SCRATCH/row.$k.tsv" >>"$TSV"
+    else
+      write_row "$k" "" "" "" "" "" "WORKER_DIED" "" >>"$TSV"
+    fi
+    k=$((k+1))
+  done
+  n=$((block_end + 1))
+  if [ "$n" -le "$COUNT" ]; then
+    case "$GAP_S" in
+      0|0.0|0.00) ;;
+      *) sleep "$GAP_S" ;;
+    esac
+  fi
+done
+
+RUN_END_MS=$(now_ms)
+wall_ms=$((RUN_END_MS-RUN_START_MS))
+
+ok_n=$(awk -F'\t' 'NR>1 && $7=="PAID" {c++} END {print c+0}' "$TSV")
+fail_n=$((COUNT - ok_n))
+
+section "zero-pay · summary"
+info "ok=$ok_n fail=$fail_n count=$COUNT parallel=$PARALLEL gap_s=$GAP_S wall_ms=$wall_ms out=$TSV"
+python3 - "$TSV" "$ok_n" "$fail_n" "$COUNT" "$wall_ms" "$OUTDIR/summary.txt" "$GAP_S" "$PARALLEL" <<'PY'
+import sys
+tsv, ok, fail, count, wall, outp, gap_s, parallel = sys.argv[1:]
+ok, fail, count, wall = int(ok), int(fail), int(count), int(wall)
+rows=[]
+with open(tsv) as f:
+    next(f)
+    for line in f:
+        p=line.rstrip('\n').split('\t')
+        if len(p)<7: continue
+        rows.append(p)
+paid=[r for r in rows if r[6]=='PAID']
+def nums(idx, rs):
+    xs=[int(r[idx]) for r in rs if r[idx].isdigit()]
+    return xs
+def fmt(xs):
+    if not xs: return "n/a"
+    xs=sorted(xs)
+    med=xs[len(xs)//2]
+    return "n=%d min=%d med=%d max=%d mean=%.1f" % (len(xs), xs[0], med, xs[-1], sum(xs)/len(xs))
+lines=[]
+lines.append("ok=%d fail=%d count=%d parallel=%s wall_ms=%d wall_s=%.1f gap_s=%s" % (
+    ok, fail, count, parallel, wall, wall/1000.0, gap_s))
+lines.append("create_ms  " + fmt(nums(2, paid)))
+lines.append("handle_ms  " + fmt(nums(3, paid)))
+lines.append("settle_ms  " + fmt(nums(4, paid)))
+lines.append("total_ms   " + fmt(nums(5, paid)))
+if paid:
+    lines.append("first_paid_oid=%s last_paid_oid=%s" % (paid[0][1], paid[-1][1]))
+text="\n".join(lines)+"\n"
+open(outp,"w").write(text)
+print(text)
+PY
+
+wcli_slot 0 20 balance >"$OUTDIR/balance-after.txt" 2>&1 || true
+info "balance after: $(tr '\n' ' ' < "$OUTDIR/balance-after.txt" | tail -c 200)"
+
+if [ "$ok_n" -lt "$COUNT" ]; then
+  fail "zero-pay" "ok=$ok_n fail=$fail_n count=$COUNT out=$TSV"
+  summary
+  exit 1
+fi
+ok "zero-pay" "ok=$ok_n count=$COUNT wall_ms=$wall_ms out=$TSV"
+summary
+exit 0
diff --git a/host-agent/run-fp-stage-monitoring.sh b/host-agent/run-fp-stage-monitoring.sh
index 8968af7..58b4006 100755
--- a/host-agent/run-fp-stage-monitoring.sh
+++ b/host-agent/run-fp-stage-monitoring.sh
@@ -14,9 +14,10 @@ export TALER_DOMAIN="${TALER_DOMAIN:-stage.lefrancpaysan.ch}"
 export INSIDE_PODMAN="${INSIDE_PODMAN:-1}"
 export INSIDE_MODE="${INSIDE_MODE:-local-podman}"
 export INSIDE_PROFILE="${INSIDE_PROFILE:-stage-lfp}"
-export INSIDE_BANK_CTR="${INSIDE_BANK_CTR:-stage-lfp-bank}"
-export INSIDE_EXCHANGE_CTR="${INSIDE_EXCHANGE_CTR:-stage-lfp-exchange-ansible}"
-export INSIDE_MERCHANT_CTR="${INSIDE_MERCHANT_CTR:-stage-lfp-merchant}"
+# One Quadlet stack on testpaysan (not three stage-lfp-* names).
+export INSIDE_BANK_CTR="${INSIDE_BANK_CTR:-stage-testpaysan}"
+export INSIDE_EXCHANGE_CTR="${INSIDE_EXCHANGE_CTR:-stage-testpaysan}"
+export INSIDE_MERCHANT_CTR="${INSIDE_MERCHANT_CTR:-stage-testpaysan}"
 export LOCAL_STACK="${LOCAL_STACK:-0}"
 export CONTINUE_ON_ERROR="${CONTINUE_ON_ERROR:-1}"
 # monpages obligatory (ERROR): only FP stage mon hosts below — never GOA inventory
diff --git a/lib.sh b/lib.sh
index 9187afd..eab70c7 100755
--- a/lib.sh
+++ b/lib.sh
@@ -4,6 +4,46 @@
 # Machine paths/SSH hosts: only from env (~/.config/taler-monitoring/env or
 # TALER_MONITORING_ENV=…), installed via taler-monitoring-env — never hardcode.
 
+# Wallet sqlite path (same flag as taler-wallet-cli / taler-harness: --wallet-db).
+# Android/iOS SQL export or any existing sqlite. Not *.json (memory backend).
+taler_mon_resolve_wallet_db() {
+  local fallback="${1:-}"
+  local p="${WALLET_DB:-}"
+  if [ -z "$p" ]; then
+    printf '%s\n' "$fallback"
+    return 0
+  fi
+  case "$p" in
+    *.json|*.JSON)
+      echo "ERROR: --wallet-db must be sqlite (.sqlite3 / .db), not .json" >&2
+      return 2
+      ;;
+  esac
+  printf '%s\n' "$p"
+}
+
+# Merchant order JSON is paid? Public GET: StatusPaidResponse (refunded / refund_taken).
+# Spec does not put paid / order_status there (those are private CheckPaymentPaidResponse).
+merchant_order_json_is_paid() {
+  python3 -c '
+import json, sys
+for p in sys.argv[1:]:
+  try:
+    d = json.load(open(p))
+  except Exception:
+    continue
+  if not isinstance(d, dict):
+    continue
+  if d.get("paid") is True or str(d.get("order_status") or "").lower() == "paid":
+    raise SystemExit(0)
+  if d.get("taler_pay_uri"):
+    continue
+  if "refunded" in d or "refund_amount" in d or "refund_taken" in d:
+    raise SystemExit(0)
+raise SystemExit(1)
+' "$@"
+}
+
 # Load host env once (before any := defaults)
 if [ "${_TALER_MON_ENV_LOADED:-0}" != "1" ]; then
   _mon_cfg="${TALER_MONITORING_ENV:-${XDG_CONFIG_HOME:-$HOME/.config}/taler-monitoring/env}"
@@ -66,8 +106,8 @@ MERCHANT_INSTANCE=$(printf '%s' "${MERCHANT_INSTANCE}" | tr '[:upper:]' '[:lower
 : "${PAY_AMT:=GOA:0.01}"
 : "${CREDIT_AMT:=GOA:4700}"  # covers bank withdraw ladder 20+50+100+200+4200 (paivana)
 : "${TIMEOUT:=12}"
-: "${E2E_TIMEOUT:=55}"       # whole e2e budget; skip rest when exceeded (e2e raises as needed)
-: "${E2E_PAY_SECS:=22}"      # dedicated seconds for pay handle-uri (avoid Alarm clock)
+: "${E2E_TIMEOUT:=360}"      # whole e2e budget; skip rest when exceeded (e2e raises as needed)
+: "${E2E_PAY_SECS:=60}"      # dedicated seconds for pay handle-uri (avoid SIGALRM)
 # Whole-run wall clock for taler-monitoring.sh (seconds). 0 = unlimited.
 # Host-agent default phases (urls/inside/versions) should finish under this.
 : "${RUN_TIMEOUT:=600}"
@@ -1565,6 +1605,7 @@ find_wallet_cli() {
   # shellcheck disable=SC2086
   for c in ${WALLET_CLI_CANDIDATES:-} \
     "${HOME}/.local/bin/taler-wallet-cli.mjs" \
+    "${HOME}/src/llm-qwythos/taler/taler-typescript-core/packages/taler-wallet-cli/bin/taler-wallet-cli.mjs" \
     "${HOME}/src/taler/taler-typescript-core/packages/taler-wallet-cli/bin/taler-wallet-cli.mjs" \
     "${HOME}/src/taler/taler-typescript-core/packages/taler-wallet-cli/dist/taler-wallet-cli.mjs" \
     "${HOME}/src/taler/taler-typescript-core/packages/taler-wallet-cli/dist/taler-wallet-cli-local.mjs" \
diff --git a/pay_talersticker_zero.sh b/pay_talersticker_zero.sh
new file mode 100755
index 0000000..9040e7e
--- /dev/null
+++ b/pay_talersticker_zero.sh
@@ -0,0 +1,11 @@
+#!/usr/bin/env bash
+# Thin wrapper → phase zero-pay (COUNT default 100).
+# Default merchant: https://stage.my.taler-ops.ch  (not production).
+#   COUNT=3 ./pay_talersticker_zero.sh
+#   ./pay_talersticker_zero.sh   # 100 pays, stage.my stickers CHF:0
+#   ./taler-monitoring.sh -d stage.lefrancpaysan.ch zero-pay
+set -euo pipefail
+ROOT=$(cd "$(dirname "$0")" && pwd)
+export COUNT="${COUNT:-100}"
+export TALER_DOMAIN="${TALER_DOMAIN:-stage.taler-ops.ch}"
+exec "$ROOT/taler-monitoring.sh" -d "$TALER_DOMAIN" "$@" zero-pay
diff --git a/taler-monitoring.sh b/taler-monitoring.sh
index 5379f3f..90af7ac 100755
--- a/taler-monitoring.sh
+++ b/taler-monitoring.sh
@@ -93,6 +93,8 @@ Phases:
   sanity   public + optional server
   server   server-side only (SSH)
   e2e      withdraw + pay (small amounts; remote aborts on login/KYC)
+  zero-pay public-template pays (stage.my CHF:0 stickers; TESTPAYSAN shop). COUNT=1 in phase; wrapper COUNT=100
+  sticker-pay  alias of zero-pay
   ladder   amount ladder classic (default 23-rung withdraw + pay; any currency)
   max-ladder  max-search: highest withdrawable + highest payable (≤ available)
   goa-ladder  alias of ladder (legacy phase name; same check_amount_ladder.sh)
@@ -123,6 +125,10 @@ Options:
   --exchange URL        exchange base — overrides profile
   --merchant URL        merchant-backend base — overrides profile
   --currency CODE       expected currency (GOA, KUDOS, CHF, …); empty = report only
+  --wallet-db PATH      sqlite wallet (taler-wallet-cli / taler-harness same flag).
+                        Android/iOS SQL export or a test DB. Not *.json.
+                        Env WALLET_DB=PATH. e2e / ladder / zero-pay (PARALLEL=1).
+  --wallet-migrate      TALER_WALLET_MIGRATE_NATIVE_DB=1 (native mobile sqlite)
   --no-probe            do not probe alternate hosts (unknown domains only)
   --lang en|fr|de       UI/console language (sticky bar + badges; de available, not a profile default)
                         overrides auto (FrancPaysan→fr, else en)
@@ -266,8 +272,18 @@ while [ $# -gt 0 ]; do
       [ $# -ge 2 ] || { echo "missing arg for $1" >&2; exit 2; }
       CURRENCY_OVERRIDE="$2"; shift 2
       ;;
+    --wallet-db)
+      [ $# -ge 2 ] || { echo "missing arg for $1" >&2; exit 2; }
+      WALLET_DB="$2"
+      export WALLET_DB
+      shift 2
+      ;;
+    --wallet-migrate)
+      export TALER_WALLET_MIGRATE_NATIVE_DB=1
+      shift
+      ;;
     --no-probe) NO_PROBE=1; shift ;;
-    urls|inside|versions|sanity|server|e2e|ladder|goa-ladder|max-ladder|maxladder|auth401|aptdeploy|apt-deploy|apt_src|surface|ecosystem|mattermost|mail|monpages|pages|devtesting|franken|fake-franken|fake_franken|all|full) PHASES+=("$1"); shift ;;
+    urls|inside|versions|sanity|server|e2e|zero-pay|zeropay|sticker-pay|template-zero|ladder|goa-ladder|max-ladder|maxladder|auth401|aptdeploy|apt-deploy|apt_src|surface|ecosystem|mattermost|mail|monpages|pages|devtesting|franken|fake-franken|fake_franken|all|full) PHASES+=("$1"); shift ;;
     *)
       # bare domain shorthand: ./taler-monitoring.sh taler.net
       if [[ "$1" == *.* && "$1" != *://* && "$1" != -* ]]; then
@@ -445,6 +461,7 @@ _progress_estimate_phase() {
     server)   n=20 ;;
     # e2e: bank withdraw ladder emits many INFO lines (coins before/after each note)
     e2e)      n=240 ;;
+    zero-pay|zeropay|sticker-pay|template-zero) n=15 ;;
     ladder|goa-ladder|max-ladder|maxladder) n=120 ;;
     auth401)  n=70 ;;
     aptdeploy) n=40 ;;
@@ -621,6 +638,9 @@ while [ "$_phase_idx" -lt "$_n_phases" ]; do
     sanity)   run_phase sanity   "$ROOT/check_sanity.sh"   || ec=1 ;;
     server)   run_phase server   "$ROOT/check_server.sh"   || ec=1 ;;
     e2e)      run_phase e2e      "$ROOT/check_e2e.sh"      || ec=1 ;;
+    zero-pay|zeropay|sticker-pay|template-zero)
+      run_phase zero-pay "$ROOT/check_zero_pay.sh" || ec=1
+      ;;
     ladder|goa-ladder)
       run_phase ladder "$ROOT/check_amount_ladder.sh" || ec=1
       ;;