Both already route through the same Stripe PaymentIntent
(automatic_payment_methods: enabled — Stripe's own recommended Payment
Element pattern, letting Stripe itself decide which eligible method to
show). Pre-selecting one of two identical-behind-the-scenes rows before
the payment step was redundant friction, not a real choice. Collapses
them into one option with a hint text explaining the actual instrument
is picked on the next screen; Überweisung is unaffected.
Also refines paymentMethodTitle from a neutral "Online-Zahlung"
placeholder (snapshotted at order-creation time, before the customer has
picked an instrument) to the real one Stripe reports, once payment
confirms — carried through to both the stored order and the
sessionStorage snapshot shown on /bestellbestaetigung.
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Checkout now branches on payment-methods.provider: Überweisung stays
immediate/unchanged, Kreditkarte/PayPal creates a pending_payment order,
mounts Stripe's Payment Element, and defers invoice/email to a webhook-
verified confirm-payment call once the backend actually confirms payment.
Includes a PAYMENT_TEST_MODE mock provider so the whole gated pipeline is
exercisable locally without a real Stripe account.
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Marco