LNURL/merchant payments read as PAYMENTS, not zaps, and skip redundant steps. (1) Terminology: a payment is a "zap" only when it targets a nostr person or note (npub / note-zap with an eventId, captured as z.social at begin); paying a lightning address, LNURL or merchant now says "Pay over Lightning" / "Pay" everywhere — amount screen, review title, success screen — even when the endpoint supports zap receipts. (2) A fixed-amount payment (min==max — a POS tag, paywall, bolt card) has nothing to type, so the amount screen is skipped and the flow goes straight to the quote/review; the two perceived confirmations collapse to one. (3) Per-recipient auto-pay budget: the review offers "Auto-pay <merchant> up to N next time" (ctx.lnBudget/setLnBudget in prefs, synced), and a fixed charge within a set budget pays as soon as the quote lands — no tap. Guarded: only fixed amounts, only within the budget, only when funds cover it; over budget / no funds / quote error all fall back to the normal review, and social zaps are untouched. Verified with a driven-feature harness (fake ctx + local LNURL server): fixed skips to startLnPay with social=false/fixedSat set, a covering budget sets autopay, variable still shows the amount screen titled/buttoned "Pay"

Co-Authored-By: Claude Fable 5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01MGzU12QrAA4G6BYGzGVdXz

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