diff --git a/licensing-service/src/api/mod.rs b/licensing-service/src/api/mod.rs
index 86e5efe..d17c94f 100644
--- a/licensing-service/src/api/mod.rs
+++ b/licensing-service/src/api/mod.rs
@@ -573,6 +573,41 @@ async fn thank_you(
         .or(state.config.operator_name.as_deref())
         .unwrap_or("Keysat");
     let operator = html_escape(operator_str);
+
+    // Provider-aware confirmation copy. BTCPay is Bitcoin-only (Lightning
+    // + on-chain); Zaprite brokers card payments too (Stripe / etc.) plus
+    // Bitcoin. The lede and the polling-status copy should reflect which
+    // payment rails are actually in play so a buyer who paid by card
+    // doesn't see "your Bitcoin payment was received" while their Stripe
+    // transaction shows up in the operator's dashboard.
+    //
+    // Today this reads `SETTING_ACTIVE_PROVIDER` (the singleton model).
+    // When the multi-provider work lands, swap this for a lookup of the
+    // invoice's own `payment_provider_id` so the copy matches the rail
+    // that actually settled THIS purchase, not whatever's currently
+    // active on the daemon.
+    let provider_kind = crate::payment::read_active_provider_preference(&state.db).await;
+    let (lede_text, provider_kind_str) = match provider_kind {
+        Some(crate::payment::ProviderKind::Zaprite) => (
+            "Your payment was received. We\u{2019}re waiting for it to settle and \
+             for the license to be signed. Card payments confirm in seconds; \
+             Bitcoin Lightning also settles in seconds; on-chain Bitcoin typically \
+             settles in 10\u{2013}20 minutes (one block confirmation).",
+            "zaprite",
+        ),
+        // BTCPay or unconfigured → original Bitcoin-only copy. Unconfigured
+        // is rare on this page (operator hit /thank-you without a provider
+        // connected) so we keep it Bitcoin-flavored rather than introducing
+        // a third "unknown" branch.
+        _ => (
+            "Your Bitcoin payment was received. We\u{2019}re waiting for it to settle \
+             and for the license to be signed. Lightning settles in seconds; on-chain \
+             typically settles in 10\u{2013}20 minutes (one block confirmation).",
+            "btcpay",
+        ),
+    };
+    let provider_kind_json = serde_json::to_string(provider_kind_str)
+        .unwrap_or_else(|_| "\"btcpay\"".into());
     let body = format!(
         r#"<!doctype html>
 <html lang="en">
@@ -748,7 +783,7 @@ footer.kfooter a:hover {{ color:var(--navy-900); }}
 <div class="wrap">
   <div class="eyebrow">Payment received</div>
   <h1 id="page-title">Issuing your license&hellip;</h1>
-  <p class="lede" id="page-lede">Your Bitcoin payment was received. We&rsquo;re waiting for it to settle and for the license to be signed. Lightning settles in seconds; on-chain typically settles in 10&ndash;20 minutes (one block confirmation).</p>
+  <p class="lede" id="page-lede">{lede_text}</p>
 
   <!-- pending state (default): polling for the license -->
   <div class="pending-card" id="pending-card">
@@ -788,6 +823,10 @@ footer.kfooter a:hover {{ color:var(--navy-900); }}
 <script>
 (function() {{
   const INVOICE_ID = {invoice_id_json};
+  // 'zaprite' | 'btcpay' — selects which payment-rail copy the
+  // polling status uses (Zaprite: card + Lightning + on-chain; BTCPay:
+  // Lightning + on-chain only).
+  const PROVIDER_KIND = {provider_kind_json};
   if (!INVOICE_ID) {{
     document.getElementById('pending-card').classList.add('hide');
     document.getElementById('error-card').classList.remove('hide');
@@ -857,10 +896,21 @@ footer.kfooter a:hover {{ color:var(--navy-900); }}
 
   function waitingCopy(status) {{
     const min = Math.floor(elapsedMs / 60000);
+    const isZaprite = PROVIDER_KIND === 'zaprite';
     if (status === 'pending' || status === 'processing') {{
-      if (min < 2) return 'invoice ' + status + ' — Lightning settles in seconds; on-chain takes a block (~10 min).';
-      if (min < 10) return 'invoice ' + status + ' — looks like an on-chain payment, waiting for block confirmation. Safe to leave this tab open or bookmark this URL.';
-      return 'invoice ' + status + ' — slow block. Still polling. Bookmark this URL and refresh later if you close the tab.';
+      if (min < 2) {{
+        return isZaprite
+          ? 'invoice ' + status + ' — card payments confirm in seconds; Bitcoin Lightning in seconds; on-chain takes a block (~10 min).'
+          : 'invoice ' + status + ' — Lightning settles in seconds; on-chain takes a block (~10 min).';
+      }}
+      if (min < 10) {{
+        return isZaprite
+          ? 'invoice ' + status + ' — waiting for confirmation. Card auth or on-chain Bitcoin can take a few minutes. Safe to leave this tab open or bookmark this URL.'
+          : 'invoice ' + status + ' — looks like an on-chain payment, waiting for block confirmation. Safe to leave this tab open or bookmark this URL.';
+      }}
+      return isZaprite
+        ? 'invoice ' + status + ' — slow confirmation. Still polling. Bookmark this URL and refresh later if you close the tab.'
+        : 'invoice ' + status + ' — slow block. Still polling. Bookmark this URL and refresh later if you close the tab.';
     }}
     return 'invoice status: ' + (status || 'pending');
   }}
diff --git a/licensing-service/src/api/purchase.rs b/licensing-service/src/api/purchase.rs
index 9c5bb34..6368d2d 100644
--- a/licensing-service/src/api/purchase.rs
+++ b/licensing-service/src/api/purchase.rs
@@ -484,8 +484,27 @@ pub async fn start(
             if let Some(code) = &reservation {
                 let _ = repo::release_code_slot(&state.db, &code.id).await;
             }
+            // `{e:#}` (alternate format) walks the anyhow error chain so
+            // the buy page surfaces the underlying provider error directly
+            // — e.g. "Zaprite create_order returned HTTP 400: {...}" —
+            // instead of just the outermost `context()` wrapper. Without
+            // this, a failed create-invoice shows only
+            // "ZapriteProvider.create_invoice" to the operator, and the
+            // real cause (currency mismatch / missing payment rail / API-
+            // key scope / Zaprite-side validation error) is hidden. We
+            // ALSO emit an explicit tracing::error! before returning so
+            // the same chain shows up in the daemon logs — without this
+            // line, the provider's underlying error string is never
+            // logged anywhere (the trait method just RETURNS the
+            // anyhow error; only the tower trace layer fires, and it
+            // only sees the HTTP status code, not the body).
+            tracing::error!(
+                product_id = %product.id,
+                error = format!("{e:#}"),
+                "payment provider create_invoice failed"
+            );
             return Err(AppError::Upstream(format!(
-                "payment provider create-invoice failed: {e}"
+                "payment provider create-invoice failed: {e:#}"
             )));
         }
     };
diff --git a/licensing-service/src/payment/zaprite/client.rs b/licensing-service/src/payment/zaprite/client.rs
index 9c040a2..0b4b3da 100644
--- a/licensing-service/src/payment/zaprite/client.rs
+++ b/licensing-service/src/payment/zaprite/client.rs
@@ -51,6 +51,15 @@ pub struct CreateOrderBody<'a> {
     /// recurring charges. Set when the policy is recurring.
     #[serde(rename = "allowSavePaymentProfile", skip_serializing_if = "Option::is_none")]
     pub allow_save_payment_profile: Option<bool>,
+    /// Zaprite contact id to attach this order to. REQUIRED by
+    /// Zaprite when `allow_save_payment_profile` is true — without
+    /// it the create-order call returns
+    /// `400 contactId is required when allowSavePaymentProfile is true`.
+    /// Optional otherwise; passing it for one-shot purchases just
+    /// associates the order with a known contact in the operator's
+    /// Zaprite dashboard.
+    #[serde(rename = "contactId", skip_serializing_if = "Option::is_none")]
+    pub contact_id: Option<String>,
 }
 
 impl ZapriteClient {
@@ -157,6 +166,56 @@ impl ZapriteClient {
         serde_json::from_str(&raw).context("parse charge response")
     }
 
+    /// `POST /v1/contacts` — create a Zaprite contact. Required
+    /// upstream step before creating an order with
+    /// `allowSavePaymentProfile: true` (Zaprite needs to know which
+    /// contact the saved profile attaches to). Returns the full
+    /// contact JSON; the caller extracts `id` to pass as
+    /// `contactId` on the subsequent order create.
+    ///
+    /// `legal_name` is required by Zaprite's schema; we fall back to
+    /// the email itself when the buyer didn't supply a name. The
+    /// operator can rename the contact in the Zaprite dashboard if
+    /// they care about display polish.
+    ///
+    /// NOTE on duplicates: Zaprite's duplicate-email behavior on
+    /// `POST /v1/contacts` is undocumented (their llms.txt explicitly
+    /// says "Not documented"). Empirically we accept whatever Zaprite
+    /// does — if they create a duplicate, the operator's Zaprite
+    /// contact list gets a row per recurring purchase from the same
+    /// buyer. The multi-provider work (planned `:47+`) will introduce
+    /// a Keysat-side `zaprite_contacts` cache keyed on (email,
+    /// provider_id) to dedup upfront. For sandbox testing + early
+    /// production this is acceptable noise.
+    pub async fn create_contact(
+        &self,
+        email: &str,
+        name: Option<&str>,
+    ) -> Result<Value> {
+        let legal_name = name.unwrap_or(email);
+        let url = format!("{}/v1/contacts", self.base_url);
+        let body = serde_json::json!({
+            "email": email,
+            "legalName": legal_name,
+        });
+        let resp = self
+            .http
+            .post(&url)
+            .headers(self.auth_headers()?)
+            .json(&body)
+            .send()
+            .await
+            .context("Zaprite create_contact request")?;
+        let status = resp.status();
+        let raw = resp.text().await.context("read create_contact body")?;
+        if !status.is_success() {
+            return Err(anyhow!(
+                "Zaprite create_contact returned HTTP {status}: {raw}"
+            ));
+        }
+        serde_json::from_str(&raw).context("parse create_contact response")
+    }
+
     /// `GET /v1/contacts/{id}` — fetch a Zaprite contact, which
     /// includes the `paymentProfiles[]` array we mine for the
     /// saved-card id after a recurring first-cycle settle. Each
diff --git a/licensing-service/src/payment/zaprite/provider.rs b/licensing-service/src/payment/zaprite/provider.rs
index 7b4f884..c6a6f51 100644
--- a/licensing-service/src/payment/zaprite/provider.rs
+++ b/licensing-service/src/payment/zaprite/provider.rs
@@ -61,6 +61,63 @@ impl PaymentProvider for ZapriteProvider {
             }
         };
 
+        // If we're going to ask Zaprite to save the buyer's payment
+        // profile (recurring first cycle), Zaprite REQUIRES an
+        // explicit `contactId` on the order — passing only
+        // `customerData: { email }` returns
+        // `400 contactId is required when allowSavePaymentProfile is true`
+        // even though their llms.txt docs claim contactId is
+        // optional. The API is the source of truth, so we create a
+        // contact first and pass its id below.
+        //
+        // Three paths:
+        //   1. Recurring + buyer_email present → create contact,
+        //      attach contactId, set allow_save_payment_profile=true.
+        //   2. Recurring + buyer_email MISSING → can't create a
+        //      contact (Zaprite requires email). Log a warning and
+        //      degrade to one-shot mode for THIS cycle — the buyer
+        //      gets a license, but subsequent renewals will fall
+        //      through to manual-pay (zaprite_payment_profile_id
+        //      stays NULL). Reason for degrading rather than failing:
+        //      blocking the purchase entirely is worse than letting
+        //      the operator collect cycle-1 revenue and prompt the
+        //      buyer for an email at next renewal.
+        //   3. Non-recurring → no contact needed; pass customerData
+        //      only (current behavior preserved).
+        let want_save_profile = params.allow_save_payment_profile == Some(true);
+        let (contact_id, effective_allow_save) = if want_save_profile {
+            match params.buyer_email {
+                Some(email) => {
+                    let contact = self
+                        .client
+                        .create_contact(email, None)
+                        .await
+                        .context("ZapriteProvider.create_invoice: create_contact")?;
+                    let id = contact
+                        .get("id")
+                        .and_then(|v| v.as_str())
+                        .ok_or_else(|| {
+                            anyhow!(
+                                "Zaprite create_contact response missing 'id': {contact}"
+                            )
+                        })?
+                        .to_string();
+                    (Some(id), Some(true))
+                }
+                None => {
+                    tracing::warn!(
+                        external_order_id = %params.external_order_id,
+                        "recurring purchase has no buyer_email; degrading to one-shot \
+                         (allow_save_payment_profile=false). Renewals for this \
+                         subscription will fall back to manual-pay."
+                    );
+                    (None, None)
+                }
+            }
+        } else {
+            (None, params.allow_save_payment_profile)
+        };
+
         // Build the Zaprite order. externalUniqId carries OUR
         // invoice UUID; this is what the webhook handler uses as
         // the trust anchor (see `validate_webhook` below).
@@ -82,8 +139,11 @@ impl PaymentProvider for ZapriteProvider {
             // shows the save-payment-profile prompt; subsequent
             // cycles are then merchant-initiated charges against
             // the saved profile via
-            // `charge_order_with_profile`.
-            allow_save_payment_profile: params.allow_save_payment_profile,
+            // `charge_order_with_profile`. May be reset to None
+            // above if we couldn't satisfy Zaprite's contactId
+            // requirement.
+            allow_save_payment_profile: effective_allow_save,
+            contact_id,
         };
 
         let order = self
@@ -179,19 +239,47 @@ impl PaymentProvider for ZapriteProvider {
         let v: Value = serde_json::from_slice(body)
             .context("Zaprite webhook body must be JSON")?;
 
-        // Zaprite event shape (from OpenAPI excerpt + ecosystem
-        // conventions): top-level `event` string + `data.id`
-        // (the order UUID). Examples expected:
-        //   order.paid, order.complete, order.overpaid, order.underpaid,
-        //   order.pending, order.expired, order.refunded
-        // We map liberally and let unknowns fall through to Other.
-        let event_type = v
-            .get("event")
-            .and_then(|s| s.as_str())
-            .unwrap_or("")
-            .to_string();
+        // Zaprite event shape: their docs don't enumerate event names
+        // or payload shape. The `:49` sandbox test surfaced an empty
+        // event_type because we were only checking the top-level
+        // `event` field; Zaprite seems to put it elsewhere. We now
+        // probe four common top-level field names — first non-empty
+        // string wins. If even that fails, dump the raw payload at
+        // WARN so we can see what Zaprite actually sends and add the
+        // correct field name here.
+        let event_type = ["event", "eventType", "type", "name"]
+            .iter()
+            .find_map(|field| {
+                v.get(*field)
+                    .and_then(|s| s.as_str())
+                    .filter(|s| !s.is_empty())
+                    .map(|s| s.to_string())
+            })
+            .unwrap_or_default();
+
+        if event_type.is_empty() {
+            // Truncated to 2KB to bound log volume on weird payloads.
+            let raw_preview = String::from_utf8_lossy(body);
+            let truncated = if raw_preview.len() > 2048 {
+                format!(
+                    "{}…[truncated {} bytes]",
+                    &raw_preview[..2048],
+                    raw_preview.len() - 2048
+                )
+            } else {
+                raw_preview.to_string()
+            };
+            tracing::warn!(
+                payload = %truncated,
+                "Zaprite webhook: no event/eventType/type/name field found at top \
+                 level — webhook will be treated as non-actionable. Inspect the \
+                 payload above to find the actual event-name field and add it to \
+                 the probe list in validate_webhook."
+            );
+        }
         let provider_invoice_id = v
             .pointer("/data/id")
+            .or_else(|| v.pointer("/data/object/id"))
             .or_else(|| v.get("orderId"))
             .or_else(|| v.get("id"))
             .and_then(|s| s.as_str())
@@ -217,6 +305,55 @@ impl PaymentProvider for ZapriteProvider {
                 provider_invoice_id: id,
                 refunded_amount: None, // amount field shape TBD when we see a real refund event
             },
+            // Zaprite's primary delivery shape (sandbox-confirmed :50):
+            // a generic `order.change` event that just says "something
+            // about this order changed" — the receiver has to look at
+            // `/data/status` to figure out what actually changed. They
+            // do NOT (empirically) send the convention-suggested
+            // `order.paid` / `order.complete` events — every state
+            // transition comes through as `order.change` and the
+            // payload's status field tells the story. Branch on
+            // status here so we dispatch the right action.
+            //
+            // Status values from Zaprite's get_invoice_status mapping:
+            //   PAID | COMPLETE | OVERPAID  → settled
+            //   EXPIRED                     → expired
+            //   INVALID | CANCELLED         → invalid
+            //   PENDING | PROCESSING |
+            //   UNDERPAID                   → in-flight; no action yet
+            //   <anything else>             → Other (logged + ignored)
+            "order.change" => {
+                let status = v
+                    .pointer("/data/status")
+                    .and_then(|s| s.as_str())
+                    .unwrap_or("");
+                match status {
+                    "PAID" | "COMPLETE" | "OVERPAID" => {
+                        ProviderWebhookEvent::InvoiceSettled {
+                            provider_invoice_id: id,
+                        }
+                    }
+                    "EXPIRED" => ProviderWebhookEvent::InvoiceExpired {
+                        provider_invoice_id: id,
+                    },
+                    "INVALID" | "CANCELLED" => {
+                        ProviderWebhookEvent::InvoiceInvalid {
+                            provider_invoice_id: id,
+                        }
+                    }
+                    // In-flight transitions (PENDING/PROCESSING/UNDERPAID)
+                    // and anything unfamiliar fall through to Other — the
+                    // handler logs them as non-actionable, which is right:
+                    // we don't want to fire the settle hook every time
+                    // Zaprite transitions an order from PENDING to
+                    // PROCESSING on the way to PAID. The terminal-state
+                    // delivery is what actually drives our state machine.
+                    _ => ProviderWebhookEvent::Other {
+                        kind: format!("order.change[status={status}]"),
+                        provider_invoice_id: provider_invoice_id,
+                    },
+                }
+            }
             other => ProviderWebhookEvent::Other {
                 kind: other.to_string(),
                 provider_invoice_id: provider_invoice_id,
diff --git a/licensing-service/src/reconcile.rs b/licensing-service/src/reconcile.rs
index ce8859f..9b816a8 100644
--- a/licensing-service/src/reconcile.rs
+++ b/licensing-service/src/reconcile.rs
@@ -137,10 +137,46 @@ async fn ensure_license(
         .map_err(|e| anyhow::anyhow!("{e:?}"))?
         .is_some()
     {
+        // Even if the license already exists, the reconciler may be
+        // running because the webhook never delivered. In that case
+        // `on_invoice_settled` (which runs the Zaprite-saved-profile
+        // capture for recurring first-cycle subs) never fired either.
+        // Try the post-settle hook now — it's idempotent (early-returns
+        // if the sub already has a captured profile, or if the active
+        // provider isn't Zaprite, or if no matching profile exists on
+        // the contact). Without this, a subscription created via the
+        // reconciler path never gets its `zaprite_payment_profile_id`
+        // populated, and renewals fall back to manual-pay forever
+        // even though the saved profile is sitting on Zaprite's side.
+        if let Err(e) =
+            crate::subscriptions::on_invoice_settled(state, invoice).await
+        {
+            tracing::warn!(
+                error = %e,
+                invoice_id = %invoice.id,
+                "reconciler post-settle hook failed (non-fatal — license already exists)"
+            );
+        }
         return Ok(());
     }
     crate::api::webhook::issue_license_for_invoice(state, invoice)
         .await
         .map_err(|e| anyhow::anyhow!("{e:?}"))?;
+
+    // Same rationale as the early-return branch above — if the
+    // reconciler is running, the webhook may have missed; run the
+    // post-settle hook so a brand-new recurring sub also captures its
+    // Zaprite saved profile. issue_license_for_invoice already created
+    // the subscription row by this point, so on_invoice_settled can
+    // find it.
+    if let Err(e) =
+        crate::subscriptions::on_invoice_settled(state, invoice).await
+    {
+        tracing::warn!(
+            error = %e,
+            invoice_id = %invoice.id,
+            "reconciler post-settle hook failed (non-fatal — license issued ok)"
+        );
+    }
     Ok(())
 }
diff --git a/licensing-service/src/subscriptions.rs b/licensing-service/src/subscriptions.rs
index 4a18c12..03ebbd0 100644
--- a/licensing-service/src/subscriptions.rs
+++ b/licensing-service/src/subscriptions.rs
@@ -1082,6 +1082,13 @@ pub async fn capture_zaprite_payment_profile(
 ) -> Result<()> {
     use crate::payment::ProviderKind;
 
+    tracing::info!(
+        sub_id = %sub_id,
+        invoice_id = %invoice.id,
+        provider_invoice_id = %invoice.btcpay_invoice_id,
+        "capture_zaprite_payment_profile: starting"
+    );
+
     // Idempotency: already captured?
     let existing: Option<String> = sqlx::query_scalar(
         "SELECT zaprite_payment_profile_id FROM subscriptions WHERE id = ?",
@@ -1092,6 +1099,7 @@ pub async fn capture_zaprite_payment_profile(
     .context("read existing zaprite_payment_profile_id")?
     .flatten();
     if existing.is_some() {
+        tracing::info!(sub_id = %sub_id, "capture: already captured, skipping");
         return Ok(());
     }
 
@@ -1099,9 +1107,19 @@ pub async fn capture_zaprite_payment_profile(
     // meaningful — `as_any` downcast keeps the trait clean.
     let provider = match state.payment_provider().await {
         Ok(p) => p,
-        Err(_) => return Ok(()),
+        Err(e) => {
+            tracing::warn!(
+                sub_id = %sub_id, error = %e,
+                "capture: no active payment provider — skipping"
+            );
+            return Ok(());
+        }
     };
     if provider.kind() != ProviderKind::Zaprite {
+        tracing::info!(
+            sub_id = %sub_id, kind = ?provider.kind(),
+            "capture: active provider is not Zaprite — skipping"
+        );
         return Ok(());
     }
     let zaprite = match provider
@@ -1109,7 +1127,13 @@ pub async fn capture_zaprite_payment_profile(
         .downcast_ref::<crate::payment::zaprite::ZapriteProvider>()
     {
         Some(z) => z,
-        None => return Ok(()),
+        None => {
+            tracing::warn!(
+                sub_id = %sub_id,
+                "capture: provider kind is Zaprite but downcast failed — skipping"
+            );
+            return Ok(());
+        }
     };
     let client = zaprite.client();
 
@@ -1129,9 +1153,22 @@ pub async fn capture_zaprite_payment_profile(
             // Order has no contact — buyer paid without an email /
             // Zaprite didn't materialize a contact. No profile to
             // capture; renewals fall back to manual pay.
+            tracing::warn!(
+                sub_id = %sub_id,
+                order_status = order.get("status").and_then(|v| v.as_str()).unwrap_or("?"),
+                order_has_contact = order.get("contact").is_some(),
+                order_has_contactId = order.get("contactId").is_some(),
+                "capture: order has no contact.id / contactId — cannot capture profile. \
+                 Check that buyer_email was present at purchase + that :47+ contact \
+                 creation ran."
+            );
             return Ok(());
         }
     };
+    tracing::info!(
+        sub_id = %sub_id, contact_id = %contact_id,
+        "capture: resolved contact_id from order"
+    );
 
     // 2. Fetch the contact and enumerate its payment profiles.
     let contact = client
@@ -1140,8 +1177,21 @@ pub async fn capture_zaprite_payment_profile(
         .context("fetch Zaprite contact for profile capture")?;
     let profiles = match contact.get("paymentProfiles").and_then(|v| v.as_array()) {
         Some(arr) => arr,
-        None => return Ok(()), // no profiles array — nothing to capture
+        None => {
+            tracing::warn!(
+                sub_id = %sub_id, contact_id = %contact_id,
+                "capture: contact has no paymentProfiles array — likely the buyer \
+                 didn't check 'save card' at Zaprite checkout, OR profile creation \
+                 is async on Zaprite's side and not yet visible at webhook time"
+            );
+            return Ok(());
+        }
     };
+    tracing::info!(
+        sub_id = %sub_id, contact_id = %contact_id,
+        profile_count = profiles.len(),
+        "capture: enumerated contact's payment profiles"
+    );
 
     // 3. Find the profile whose sourceOrder.externalUniqId is
     //    THIS invoice. Zaprite scopes saved profiles to a contact,
@@ -1162,13 +1212,41 @@ pub async fn capture_zaprite_payment_profile(
             // (no autopay-supporting rail) OR declined the save-
             // payment-profile prompt on the card form. Both are
             // legitimate; renewals fall back to manual pay.
+            //
+            // Also possible: race condition — Zaprite's profile-save
+            // step hasn't finished by the time the order.paid webhook
+            // fires. If you see this with profile_count > 0 but no
+            // match for invoice.id, that's the race.
+            let sample = profiles.iter().take(3).map(|p| {
+                p.pointer("/sourceOrder/externalUniqId")
+                    .and_then(|v| v.as_str())
+                    .unwrap_or("<none>")
+                    .to_string()
+            }).collect::<Vec<_>>();
+            tracing::warn!(
+                sub_id = %sub_id,
+                contact_id = %contact_id,
+                invoice_id = %invoice.id,
+                profile_count = profiles.len(),
+                sample_source_external_uniq_ids = ?sample,
+                "capture: no profile matches sourceOrder.externalUniqId == invoice.id — \
+                 either the buyer declined the save-card prompt, paid via a non-saving \
+                 rail (BTC/Lightning), OR Zaprite's profile-attach is racing the \
+                 webhook delivery"
+            );
             return Ok(());
         }
     };
 
     let profile_id = match profile.get("id").and_then(|v| v.as_str()) {
         Some(s) => s.to_string(),
-        None => return Ok(()),
+        None => {
+            tracing::warn!(
+                sub_id = %sub_id, contact_id = %contact_id,
+                "capture: matched profile has no 'id' field — skipping"
+            );
+            return Ok(());
+        }
     };
     let method = profile.get("method").and_then(|v| v.as_str()).map(|s| s.to_string());
     let expires_at = profile
diff --git a/startos/versions/v0.2.0.ts b/startos/versions/v0.2.0.ts
index 77c6541..1643482 100644
--- a/startos/versions/v0.2.0.ts
+++ b/startos/versions/v0.2.0.ts
@@ -58,6 +58,18 @@ const RELEASE_NOTES = [
 // in RELEASE_NOTES above (the milestone). Subsequent revisions
 // append here.
 const ROUTINE_NOTES = [
+  '0.2.0:51 — **Zaprite `order.change` webhook is now actionable.** The `:50` probe-multiple-field-names fix surfaced that Zaprite\'s primary delivery shape isn\'t the convention-suggested `order.paid` / `order.complete` events — it\'s a single generic `order.change` event that just says "something about this order changed" and requires the receiver to look at `/data/status` to figure out what actually changed. Without handling this, every Zaprite webhook fell through to the Other arm ("non-actionable") and the polling reconciler (60-second tick) had to do all the work, adding ~45s of perceived latency before the buyer\'s thank-you page flipped from "waiting" to "issued". Fixed in `payment/zaprite/provider.rs::validate_webhook`: added an `order.change` match arm that branches on `/data/status` (`PAID`/`COMPLETE`/`OVERPAID` → InvoiceSettled, `EXPIRED` → InvoiceExpired, `INVALID`/`CANCELLED` → InvoiceInvalid, in-flight states like `PENDING`/`PROCESSING`/`UNDERPAID` → Other so we don\'t fire the settle hook on every transition toward PAID). End result: webhook-driven settles now flip subscriptions to `active` within seconds of Zaprite\'s callback — the reconciler stays as the safety net for actual missed deliveries.',
+  '',
+  '0.2.0:50 — **Zaprite webhook event-type extraction now probes multiple field names + warns + dumps payload on miss.** Sandbox testing of `:49` confirmed Zaprite\'s webhooks ARE being delivered, but every one was logged as "non-actionable webhook event event_type=" — empty event_type meant the receiver fell through to the Other arm, and only the polling reconciler (60-second tick) eventually picked up the settle. Root cause: `validate_webhook` only checked the top-level `event` field; Zaprite\'s docs don\'t enumerate webhook payload shapes, and their actual deliveries put the event name somewhere else. Fixed in `payment/zaprite/provider.rs::validate_webhook`: now probes four common top-level field names — `event`, `eventType`, `type`, `name` — first non-empty wins. Also widened the order-id probe to include `data.object.id` (the Stripe-style pattern). When NONE of the four event-name fields match, the handler now WARN-logs the (truncated to 2KB) raw payload so the actual field name can be added to the probe list. End result: webhook-driven settles should now flip subscriptions to `active` within seconds instead of waiting for the reconciler — improves perceived latency on the thank-you page and lets auto-charged renewals settle without polling lag.',
+  '',
+  '0.2.0:49 — **Zaprite saved-profile capture: full diagnostic logging + reconciler path.** Sandbox testing of `:47` revealed five recurring subscriptions all settled successfully but with NULL `zaprite_payment_profile_id` — even though Zaprite confirmed the saved card on the contact. Two root causes addressed: (1) `capture_zaprite_payment_profile` had six different early-return-Ok branches (no provider, not Zaprite, downcast fail, no contact_id, no profiles array, no matching profile) that ALL silently returned with no logging, so there was no way to know which branch fired. Every branch now emits a `tracing::info!` or `tracing::warn!` explaining what it found, including a sample of the profiles\' `sourceOrder.externalUniqId` values when no match is found (to detect the timing race where Zaprite\'s profile-attach lags the order.paid webhook). (2) The polling reconciler (which catches missed webhook deliveries) called `issue_license_for_invoice` to recover the license + subscription, but never called `on_invoice_settled` — so a recurring sub created via the reconciler path NEVER got its Zaprite profile captured even though the saved profile was sitting on Zaprite\'s contact. Fixed in `reconcile.rs::ensure_license`: now invokes `on_invoice_settled` after license issuance (and on the idempotency early-return, in case a prior license-exists run missed the hook). The hook is itself idempotent and a no-op for BTCPay subs, so this is safe to call from both webhook and reconciler paths. Together these mean: even if your Zaprite webhook never delivers, the reconciler will pick up the slack within ~60 seconds AND capture the saved profile so auto-charge still works on the next renewal cycle.',
+  '',
+  '0.2.0:48 — **Thank-you page copy is now provider-aware.** The `/thank-you` landing page (where buyers wait while their license is signed) hardcoded "Your Bitcoin payment was received" + "Lightning settles in seconds; on-chain typically settles in 10–20 minutes" — true for BTCPay-routed purchases, awkward for Zaprite-routed card payments where the buyer never touched Bitcoin. Fixed in `api/mod.rs::thank_you`: read `SETTING_ACTIVE_PROVIDER`, branch the lede copy on it. For Zaprite: "Your payment was received. Card payments confirm in seconds; Bitcoin Lightning also settles in seconds; on-chain Bitcoin typically settles in 10–20 minutes." For BTCPay (and the unconfigured fallback): unchanged Bitcoin-only copy. Also passed the provider kind into the polling JS so the running-status copy (`waitingCopy()`) makes the same distinction at every elapsed-time threshold (2 min, 10 min, slow-block). When the planned multi-provider work lands, this lookup will switch from the singleton setting to the invoice\'s own `payment_provider_id` so the copy matches the rail that actually settled THIS purchase rather than whatever\'s currently active on the daemon.',
+  '',
+  '0.2.0:47 — **Zaprite recurring purchases now create the contact upfront.** First-time test purchase against a live Zaprite sandbox surfaced the gap: when the order body has `allowSavePaymentProfile: true`, Zaprite\'s API requires an explicit `contactId` and returns `400 contactId is required when allowSavePaymentProfile is true` if you only pass `customerData: { email }`. Their llms.txt docs say contactId is optional in that case; the API itself disagrees, and the API is the source of truth. Fixed in `payment/zaprite/provider.rs`: when about to send `allowSavePaymentProfile: true`, first call a new `client.create_contact(email, name)` helper (`POST /v1/contacts`), then pass the returned id as `contactId` on the subsequent `create_order` call. Three handling paths: (1) recurring + buyer_email present → create contact + save profile, the happy path; (2) recurring + buyer_email MISSING → degrade to one-shot for THIS cycle (buyer gets a license, renewals fall back to manual-pay, warn-logged); (3) non-recurring → unchanged (no contact created, customerData only). Known minor: Zaprite\'s duplicate-email behavior on `POST /v1/contacts` is undocumented, so the same buyer purchasing recurring twice may end up with duplicate contacts in the operator\'s Zaprite dashboard until the multi-provider work introduces a Keysat-side dedup cache.',
+  '',
+  '0.2.0:46 — **Provider create-invoice failures now surface the underlying cause.** When `provider.create_invoice` failed (Zaprite or BTCPay rejection, network error, currency validation), the buy page rendered only "payment provider create-invoice failed: ZapriteProvider.create_invoice" — the outermost `context()` wrapper — and the actual cause (HTTP status + response body from the upstream) was never logged anywhere either. The trait method returned the anyhow error; only the tower trace layer fired, and it only sees the HTTP status code, not the body. Fixed in `api/purchase.rs`: switch user-facing format from `{e}` to `{e:#}` so the full anyhow chain shows up on the buy page, and add an explicit `tracing::error!` before returning so the same chain lands in daemon logs. Operator-visible: failed checkouts now actually tell you what went wrong ("Zaprite create_order returned HTTP 400: missing payment_methods", etc.) without log-spelunking.',
+  '',
   '0.2.0:45 — **Zaprite recurring auto-charge is now wired end-to-end.** Previously, when a buyer paid the first cycle of a recurring policy via Zaprite (Stripe card or any autopay-supporting rail), the renewal worker created a fresh invoice each cycle and waited for the buyer to manually pay it again — even though Zaprite supports saved-card auto-charging via `allowSavePaymentProfile` + `POST /v1/orders/charge`, the wiring was stubbed (the module-level comment in `subscriptions.rs` literally said "Auto-charge ... is NOT in this version"). Three changes close that gap: (1) `api::purchase` sets `allow_save_payment_profile: true` on the first-cycle invoice when the policy is recurring, prompting Zaprite to show the save-card UI at the buyer\'s Stripe checkout; (2) on first-cycle settle, a new `capture_zaprite_payment_profile` helper fetches the buyer\'s Zaprite contact, finds the profile whose `sourceOrder.externalUniqId` matches our invoice, and persists `paymentProfileId` / `method` / `expiresAt` to four new nullable columns on the `subscriptions` table (migration 0019, additive only); (3) the renewal worker now calls `try_auto_charge_zaprite` after creating each renewal order — on success the buyer does nothing (Zaprite settles via the usual `order.paid` webhook); on failure (declined card, expired profile, network) we log + audit + fall through to the existing `subscription.renewal_pending` event so the buyer still has a manual-pay recovery path. Two new operator webhook events: `subscription.auto_charge_initiated` (success) and `subscription.auto_charge_failed` (failure). BTCPay subscriptions and Zaprite subscriptions whose buyer paid with Bitcoin/Lightning or declined the save-card prompt continue to behave exactly as before (manual pay on each renewal); the new auto-charge path is gated entirely on `zaprite_payment_profile_id IS NOT NULL`. NOT YET END-TO-END TESTED against the Zaprite sandbox — the data-model + control flow follows the documented API (`api.zaprite.com/llms.txt`) but exact failure-body shapes for declined cards aren\'t documented; sandbox validation pass recommended before relying on this in production.',
   '',
   '0.2.0:44 — **Admin UI is now usable from a phone.** Previously the admin UI had a single 980px breakpoint that just stacked the 240px sidebar above content, eating ~400px before the operator could reach anything. Three changes: (1) below 720px the sidebar becomes a true off-canvas drawer with a hamburger toggle in the topbar — tap to open, tap the backdrop or any nav link to close, drawer slides in from the left with a translucent dim. (2) Below 640px the stats grid drops from 2-up to 1-up, the topbar tightens (smaller title, operator-id chip hidden since the sidebar already shows who you are), toolbar inputs go full-width instead of being forced to ≥224px, card and button padding tightens to fit narrow screens, and tap targets bump to ~40px tall. (3) Tables now scroll horizontally inside their card instead of clipping rows on narrow screens. Desktop layout is unchanged. Triage flows (glance at status, look up a license, revoke one in a pinch) now work from a phone; form-heavy creates still benefit from a wider screen. CSS + a small JS toggle in the single embedded `web/index.html`.',
@@ -525,7 +537,7 @@ const ROUTINE_NOTES = [
 ].join('\n\n')
 
 export const v0_2_0 = VersionInfo.of({
-  version: '0.2.0:45',
+  version: '0.2.0:51',
   releaseNotes: { en_US: ROUTINE_NOTES },
   // No on-disk transformation needed — v0.2.0:0 is a label change.
   // SQLite-level migrations live separately under
