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Subscriptions carry Settled: the current period's paid-invoice method (card only when a card paid all of it; mixed beside prepaid money) or external:<processor> for a recorded plan. Every settled payment is indexed by payment id to the org and wallet its receipt lives in (models/paymentorg), and the refund/dispute webhook resolves from that index, never the request's org. CreditLedger gains Restore for a dispute won. Co-authored-by: Hanzo Dev <[email protected]>