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

4 files changed, 96 insertions, 10 deletions

diff --git a/src/app.js b/src/app.js
index a2411a9..802781c 100644
--- a/src/app.js
+++ b/src/app.js
@@ -4829,6 +4829,21 @@ const ctx = {
     wallet.saveFeatureState('prefs', p);
     try { wallet.saveCache(); } catch {}
   },
+  // Per-recipient auto-pay budget: a fixed-amount LNURL/address the user
+  // trusts to pay without confirmation, up to this many sats. Keyed by the
+  // recipient's address/lnurl. Synced with the rest of prefs.
+  lnBudget: (key) => {
+    if (!key || !wallet.loadFeatureState) return 0;
+    return (wallet.loadFeatureState('prefs', {}).lnBudgets || {})[key] || 0;
+  },
+  setLnBudget: (key, sat) => {
+    if (!key) return;
+    const p = wallet.loadFeatureState('prefs', {});
+    p.lnBudgets = { ...(p.lnBudgets || {}) };
+    if (sat > 0) p.lnBudgets[key] = Math.floor(sat); else delete p.lnBudgets[key];
+    wallet.saveFeatureState('prefs', p);
+    try { wallet.saveCache(); } catch {}
+  },
   brandHeader, activeAccount, setAccounts: (list) => { accounts = list; },
   getAccounts: () => accounts,
   claimTargets, enterWallet, activateAccount, commitAccount,
diff --git a/src/features/ark.js b/src/features/ark.js
index b65bce2..46ec701 100644
--- a/src/features/ark.js
+++ b/src/features/ark.js
@@ -854,7 +854,20 @@ export function arkFeature(ctx) {
     ui.arkLnPay = { invoice, meta: meta || null, amountSat: dec.amountSat, amount: '', feeSat: null, status: 'quote' };
     ui.sendError = '';
     render();
-    quoteArkLnPay(invoice, meta).catch(() => {
+    // An auto-pay recipient (a budget the user set) pays as soon as the quote
+    // lands — no tap. Guarded to the budget and to a single fire; anything
+    // off-script (over budget, no amount, a quote error) falls back to the
+    // normal review with the Pay button.
+    const maybeAutopay = () => {
+      const p2 = ui.arkLnPay;
+      if (!p2 || p2.invoice !== invoice || p2._autopaid) return;
+      if (p2.status !== 'ready' || !p2.meta || !p2.meta.autopay || p2.amountSat == null) return;
+      const budget = p2.meta.budgetKey && ctx.lnBudget ? ctx.lnBudget(p2.meta.budgetKey) : 0;
+      if (!(budget > 0 && p2.amountSat <= budget)) return;
+      p2._autopaid = true;
+      doArkLnPay();
+    };
+    quoteArkLnPay(invoice, meta).then(maybeAutopay).catch(() => {
       // The quote is a nicety — a dead esplora or quote service must not
       // wedge the form at an eternal spinner (it did: "Getting a quote…"
       // above a Failed-to-fetch, Pay unreachable). Price it like the outage
@@ -866,6 +879,7 @@ export function arkFeature(ctx) {
       p2.status = 'ready';
       ui.sendError = '';
       render();
+      maybeAutopay();
     });
     return true;
   }
@@ -943,6 +957,10 @@ export function arkFeature(ctx) {
         if (a.step === 'done') {
           ui.arkLnPaid = { amountSat: a.amountSat, meta: p.meta };
           if (p.meta && p.meta.pk) noteZap('inv:' + p.invoice, p.meta.pk);
+          // the user opted this recipient into auto-pay: remember the budget
+          // so the next fixed charge from them clears without a tap
+          if (p.setBudget && p.meta && p.meta.budgetKey && ctx.setLnBudget)
+            ctx.setLnBudget(p.meta.budgetKey, a.amountSat);
           ui.arkLnPay = null;
         } else if (ui.arkLnPay) {
           if (tries < 2 && lnRetryable(a)) {
@@ -1003,7 +1021,7 @@ export function arkFeature(ctx) {
         onClick: () => { ui.arkLnPaid = null; ui.send = blankSend(); render(); },
       },
         h('div', { class: 'check-badge' }, '⚡'),
-        h('h2', { style: 'margin:0' }, zap ? t('arkZapSentTitle') : t('arkLnPaidTitle')),
+        h('h2', { style: 'margin:0' }, zap && zap.social ? t('arkZapSentTitle') : t('arkLnPaidTitle')),
         zap && zap.name ? h('div', { class: 'small muted' }, zap.name) : null,
         h('div', { class: 'amount-neg', style: 'font-size:18px' }, '-' + fmtAmount(ui.arkLnPaid.amountSat) + u),
         h('div', { class: 'small muted' }, t('tapToProceed')));
@@ -1016,7 +1034,7 @@ export function arkFeature(ctx) {
     const total = (p.amountSat || 0) + (p.feeSat || 0);
     return h('div', { class: 'col', style: 'gap:12px' },
       h('div', { class: 'card col', style: 'gap:10px' },
-        h('h3', { style: 'margin:0' }, '⚡ ' + (zap ? t('lnZapReviewTitle') : t('lnPayTitle'))),
+        h('h3', { style: 'margin:0' }, '⚡ ' + (zap && zap.social ? t('lnZapReviewTitle') : t('lnPayTitle'))),
         h('div', { class: 'small muted' }, t('arkLnPayVia')),
         zap && (zap.name || zap.address) ? h('div', { class: 'small muted', style: 'word-break:break-all' }, zap.name || zap.address) : null,
         zap && zap.comment ? h('div', { class: 'small faint', style: 'font-style:italic;word-break:break-word' }, '“' + zap.comment + '”') : null,
@@ -1039,6 +1057,18 @@ export function arkFeature(ctx) {
           ? [h('div', { style: 'border-top:1px solid var(--line, #ddd);margin:2px 0' }), row(t('lnPayTotal'), total, true)]
           : null),
       ui.sendError ? h('div', { class: 'notice err' }, ui.sendError) : null,
+      // Offer to skip this confirmation next time: a fixed-amount merchant
+      // pay with no budget yet can be trusted up to this amount. Ticking it
+      // stores the budget on a successful pay (see settle); after that the
+      // same recipient auto-pays without this screen.
+      (zap && zap.budgetKey && zap.fixedSat && !zap.autopay
+        && p.status === 'ready'
+        && !(ctx.lnBudget && ctx.lnBudget(zap.budgetKey) > 0))
+        ? h('label', { class: 'row gap6', style: 'align-items:center;cursor:pointer' },
+            h('input', { type: 'checkbox', checked: !!p.setBudget, style: 'flex:0 0 auto;margin:0',
+              onChange: (e) => { p.setBudget = e.target.checked; } }),
+            h('span', { class: 'small muted' }, t('lnAutopayOffer', { name: zap.name || zap.address || '', n: fmtAmount(zap.fixedSat) + ' ' + unitLabel() })))
+        : null,
       p.status === 'paying'
         ? h('div', { class: 'card row gap6', style: 'align-items:center' },
             h('span', { class: 'spinner sm' }),
diff --git a/src/features/zaps.js b/src/features/zaps.js
index b1af6a9..fc11f80 100644
--- a/src/features/zaps.js
+++ b/src/features/zaps.js
@@ -61,12 +61,24 @@ export function zapsFeature(ctx) {
     return true;
   }
 
+  // A payment is a nostr ZAP only when it targets a person or a note (an
+  // npub, or a note-zap carrying an eventId). Paying a lightning address,
+  // an LNURL, or a merchant is a PAYMENT — even if the endpoint happens to
+  // support nostr zaps. Computed at begin() because resolve() rewrites the
+  // target kind (npub → its lnaddr) but keeps the eventId.
+  const isSocial = (target) => target.kind === 'npub' || !!target.eventId;
+
+  // A stable id for a fixed-amount recipient's auto-pay budget: their
+  // lightning address if we have one, else the LNURL bech32, else their pk.
+  const budgetKeyOf = (z) =>
+    z.address || z.target.lnurlBech32 || (z.target.pk ? 'pk:' + z.target.pk : null);
+
   // Kick off resolution of a parsed target. `display` is what we show as the
   // recipient until a profile name arrives.
   function begin(target, display) {
     ui.arkZap = null; ui.arkZapped = null; // in case we were handed off from ark
     ui.sendError = '';
-    const z = (ui.zap = { status: 'resolving', target, name: display, address: target.address || null, amount: '', comment: '' });
+    const z = (ui.zap = { status: 'resolving', target, name: display, address: target.address || null, amount: '', comment: '', social: isSocial(target) });
     render();
     resolve(z).catch((e) => { if (ui.zap === z) { z.status = 'error'; z.error = e.message; render(); } });
   }
@@ -154,6 +166,22 @@ export function zapsFeature(ctx) {
     }
     z.params = params;
     z.status = 'ready';
+    // A fixed-amount payment (not a social zap) has nothing to type, so the
+    // amount screen is a pointless confirm — go straight to the quote. And
+    // if this recipient carries an auto-pay budget that covers it, pay
+    // outright (confirm() passes autopay through to the review, which fetches
+    // the quote and pays without a tap). Over budget, or funds don't cover
+    // → show the screen so the amount/board handoff is still available.
+    if (!z.social && params.fixedSat) {
+      const ours = hook('lnSpendableSat');
+      const covers = ours == null || params.fixedSat <= ours;
+      if (covers) {
+        const key = budgetKeyOf(z);
+        z.autopay = !!(key && ctx.lnBudget && params.fixedSat <= (ctx.lnBudget(key) || 0));
+        confirm();
+        return;
+      }
+    }
     render();
   }
 
@@ -240,7 +268,16 @@ export function zapsFeature(ctx) {
         });
       }
       const invoice = await requestInvoice(p, { amountMsat: msat, zapRequest, lnurlBech32: z.target.lnurlBech32, comment: z.comment });
-      const meta = { name: z.name, address: z.address, pk: z.target.pk || null, comment: canZap ? z.comment : '', isZap: !!zapRequest };
+      const meta = {
+        name: z.name, address: z.address, pk: z.target.pk || null,
+        comment: canZap ? z.comment : '', isZap: !!zapRequest, social: z.social,
+        // a fixed-amount payment can carry (or offer to set) an auto-pay
+        // budget for this recipient — the review honors autopay and, when
+        // offered, remembers the budget on confirm
+        budgetKey: !z.social && p.fixedSat ? budgetKeyOf(z) : null,
+        fixedSat: p.fixedSat || null,
+        autopay: !!z.autopay,
+      };
       ui.zap = null;
       // Hand the bolt11 to the swaps feature's pay flow (review → confirm).
       hook('startLnPay', invoice, meta);
@@ -253,6 +290,9 @@ export function zapsFeature(ctx) {
   function zapView() {
     const z = ui.zap;
     if (!z) return null;
+    // "Zap" only for a social zap (a person / a note); a plain LNURL or
+    // merchant payment is a "Pay".
+    const heading = '⚡ ' + (z.social ? t('zapTitle') : t('lnPayTitle'));
     const back = () => { ui.zap = null; ui.sendError = ''; ui.send = blankSend(); render(); };
     // Resolution is a background step, not a screen: the send form stays put
     // and shows one inline line (resolvingNote below) until we can render
@@ -260,7 +300,7 @@ export function zapsFeature(ctx) {
     if (z.status === 'resolving') {
       // twin of ark's skeleton: identical shape, so the handoff is invisible
       return h('div', { class: 'card col', style: 'gap:12px' },
-        h('h3', {}, '⚡ ' + t('zapTitle')),
+        h('h3', {}, heading),
         (z.target && z.target.pk && hook('profileChip', z.target.pk, 'lg'))
           || h('div', { class: 'small muted break' }, z.name || z.address || ''),
         h('div', { class: 'row gap6', style: 'align-items:center;padding:6px 0' },
@@ -275,7 +315,7 @@ export function zapsFeature(ctx) {
     }
     if (z.status === 'error') {
       return h('div', { class: 'card col', style: 'gap:12px' },
-        h('h3', {}, '⚡ ' + t('zapTitle')),
+        h('h3', {}, heading),
         (z.target && z.target.pk && hook('profileChip', z.target.pk, 'lg')) || h('div', { class: 'small muted', style: 'word-break:break-all' }, z.name || ''),
         h('div', { class: 'notice err' }, z.error || t('lnZapFailed')),
         h('button', { class: 'btn-ghost btn-block', onClick: back }, t('back')));
@@ -298,7 +338,7 @@ export function zapsFeature(ctx) {
     const boardable = !!hook('arkReady') && ours != null;
     const needsBoard = boardable && (broke || (typedSats > 0 && typedSats > ours && typedSats <= theirMaxSat));
     return h('div', { class: 'card col', style: 'gap:12px' },
-      h('h3', {}, '⚡ ' + t('zapTitle')),
+      h('h3', {}, heading),
       (z.target && z.target.pk && hook('profileChip', z.target.pk, 'lg')) || h('div', { class: 'small muted', style: 'word-break:break-all' }, z.name || z.address || ''),
       h('div', { class: 'col gap6' },
         h('div', { class: 'input-group' },
@@ -323,13 +363,13 @@ export function zapsFeature(ctx) {
               maxlength: p.allowsNostr ? '280' : String(p.commentAllowed || 280),
               onInput: (e) => { z.comment = e.target.value; } })
           : null,
-        h('div', { class: 'small faint' }, p.allowsNostr ? t('lnZapHintNostr') : t('lnZapHintPlain'))),
+        z.social ? h('div', { class: 'small faint' }, p.allowsNostr ? t('lnZapHintNostr') : t('lnZapHintPlain')) : null),
       z.error ? h('div', { class: 'notice err' }, z.error) : null,
       h('div', { class: 'row gap6' },
         h('button', { class: 'btn-ghost', onClick: back }, t('back')),
         needsBoard
           ? h('button', { class: 'btn-primary grow', onClick: () => hook('arkOfferBoard', typedSats || min) }, t('zapBoardBtn'))
-          : h('button', { class: 'btn-primary grow', onClick: confirm, disabled: broke }, t('arkZapBtn'))));
+          : h('button', { class: 'btn-primary grow', onClick: confirm, disabled: broke }, z.social ? t('arkZapBtn') : t('lnPayConfirm'))));
   }
 
   return {
diff --git a/src/i18n.js b/src/i18n.js
index 0387550..b5db206 100644
--- a/src/i18n.js
+++ b/src/i18n.js
@@ -911,6 +911,7 @@ const STR = {
     lnPayNetworkFee: 'Network fee',
     lnPayTotal: 'Total',
     lnPayConfirm: 'Pay',
+    lnAutopayOffer: 'Auto-pay {name} up to {n} next time',
     lnPaySentTitle: 'Lightning payment sent',
     lnPaySentBody: 'The swap provider pays the invoice once the on-chain lockup confirms.',
     lnZapTitle: 'Zap over Lightning',