feat(booth): disable card tender until a P2PE POS is on-site (cash-only)

No card processor / POS terminal on any site yet. Offering "Card" would let an
operator record a card payment that never cleared a terminal, corrupting the
till reconciliation — a fraud/error surface on an operator-adversary system.

Add apps/web/src/lib/features.ts → CARD_PAYMENTS_ENABLED=false, gating both
tender pickers (BoothPayModal, SubscriptionManager). With card off there's
nothing to choose, so the tender row is suppressed and payment defaults to
cash. UI-only gate: the Tender type, payment events, shift accounting, and
reports still understand `card`, so historical card events and a future
re-enable stay coherent.

Verified via Playwright: an unpaid-ticket modal shows Total + "Pay + open
barrier" with no tender/cash/card row.

Wiki: new concepts/card-payments.md records the current cash-only state, the
PCI-scope-out-of-app constraint, the future-POS device requirements, and the
re-enable path (flip the flag once a bank-certified P2PE terminal is
provisioned). Linked from index, parking-session, open-questions #3.

Claude-Session: https://claude.ai/code/session_01Xcm6ikLgGoCxxHrxtjkk5V

apps/web/src/BoothPayModal.tsx

@@ -19,6 +19,7 @@ import { rootRoute } from "./router.js";
 import { qk } from "./lib/query.js";
 import { useShift } from "./lib/use-shift.js";
 import { formatDuration, formatMoney, formatTime, formatRelativeDateTime } from "./lib/format.js";
+import { CARD_PAYMENTS_ENABLED } from "./lib/features.js";
 import { SnapshotStrip } from "./ui/SnapshotStrip.js";
 
 // The booth pay/exit modal. Opened when the operator submits a ticket id. Shows the
@@ -428,8 +429,10 @@ export function BoothPayModal({ identity, onClose }: { identity: string; onClose
                 <SnapshotStrip identity={identity} />
 
                 {/* Tender — shown for any payable case (transient, overstay, OR a
-                    subscriber window charge that's still unpaid). */}
-                {phase !== "done" && canPay && !(subWindowDue && windowPaid) && (
+                    subscriber window charge that's still unpaid). Card is hidden until a
+                    P2PE POS terminal is on-site (CARD_PAYMENTS_ENABLED) — see
+                    lib/features.ts + wiki/concepts/card-payments.md. */}
+                {phase !== "done" && canPay && !(subWindowDue && windowPaid) && CARD_PAYMENTS_ENABLED && (
                   <div className="flex items-center gap-2">
                     <span className="text-[0.6875rem] uppercase tracking-wider text-term-muted">{t("pay.tender")}</span>
                     {(["cash", "card"] as const).map((tn) => (

apps/web/src/SubscriptionManager.tsx

@@ -25,6 +25,7 @@ import {
   type SubscriptionPlan,
   type SubscriptionQuote,
 } from "./api.js";
+import { CARD_PAYMENTS_ENABLED } from "./lib/features.js";
 import { Modal } from "./ui/Modal.js";
 
 // Subscription admin. Create/edit/revoke/delete subscriptions + their credentials
@@ -537,7 +538,11 @@ export function SubscriptionManager({ user }: { user: SessionUser | null }) {
             )}
             {/* Tender — only relevant when selling a plan (a SALE). The sale appends a
                 signed payment so the money shows in the feed/drawer/Z-report. */}
-            {form.planId.trim() !== "" && editing === "new" && (
+            {/* Tender picker — only meaningful when there's a choice. Card is hidden until a
+                P2PE POS terminal is on-site (CARD_PAYMENTS_ENABLED); with cash-only there's
+                nothing to pick, so the whole row is suppressed (form.tender stays "cash").
+                See lib/features.ts + wiki/concepts/card-payments.md. */}
+            {form.planId.trim() !== "" && editing === "new" && CARD_PAYMENTS_ENABLED && (
               <>
                 <label className="label">{t("subs.tender")}</label>
                 <span className="flex items-center gap-3">

apps/web/src/lib/features.ts

@@ -0,0 +1,16 @@
+// Client-side feature flags. Small, hand-flipped switches for capabilities the app
+// SUPPORTS in code but that aren't provisioned on-site yet — so the UI doesn't offer an
+// action the site can't fulfil.
+
+/**
+ * CARD payments. The app models a `card` tender end-to-end (server, shift accounting,
+ * reports), but a card sale needs a bank-certified **P2PE POS terminal** on-site, and we
+ * have NONE yet (2026-07-01). Until one is procured + configured, the booth/subscription
+ * tender pickers show CASH only — offering "Card" would let an operator record a card
+ * payment that never actually cleared a terminal, corrupting the till reconciliation.
+ *
+ * Flip to `true` (and add the POS device config) once a terminal is on-site. Nothing about
+ * the `Tender` type or historical `card` events changes — this only gates the UI *offer*.
+ * See wiki/concepts/card-payments.md (future POS device requirements).
+ */
+export const CARD_PAYMENTS_ENABLED = false;