fix(live): refuse billing in pilot mode and explain unparsed documents

- Checkout returns 503 CREDITS_DISABLED while OPT_CREDITS_MODE=off, so a
  customer can never pay for credits that the pipeline will not consume.
- Packs expose purchases_enabled; the portal hides Buy and says billing is off.
- Structuring an unparsed document (e.g. a scanned PDF with no text layer) now
  answers 422 DOCUMENT_NOT_PARSED instead of a generic INVALID_REQUEST.

app/api/0pt/credits/checkout/route.ts

@@ -27,6 +27,15 @@ export async function POST(request: NextRequest) {
   if ('response' in verified) return verified.response;
   const { tenantId } = verified.scope;
 
+  if (process.env.OPT_CREDITS_MODE === 'off') {
+    return NextResponse.json(
+      {
+        error: 'CREDITS_DISABLED',
+        message: 'Billing is not active yet (pilot mode). No payment can be taken.',
+      },
+      { status: 503 },
+    );
+  }
   const book = readCreditPriceBook();
   if (!book) {
     return NextResponse.json(

app/api/0pt/credits/packs/route.ts

@@ -27,6 +27,7 @@ export async function GET(request: NextRequest) {
   return NextResponse.json({
     version: book.version,
     currency: book.currency,
+    purchases_enabled: process.env.OPT_CREDITS_MODE !== 'off',
     packs: book.packs.map((pack) => ({
       id: pack.id,
       credits: pack.credits,

app/api/0pt/documents/structure/route.ts

@@ -163,13 +163,22 @@ export async function POST(request: NextRequest) {
   const dataClass = body.data_class ?? 'low';
   const format = body.format ?? 'json';
 
+  if (pipelineStage !== 'parsed') {
+    return NextResponse.json(
+      {
+        error: 'DOCUMENT_NOT_PARSED',
+        message:
+          'The document has no verified text layer yet (parse_failed or not parsed). OCR is required before structuring.',
+      },
+      { status: 422 },
+    );
+  }
   if (
     !isValidScopeId(projectId) ||
     !isValidScopeId(documentId) ||
     !isValidScopeId(versionId) ||
     typeof checksum !== 'string' ||
     !/^[0-9a-f]{64}$/.test(checksum) ||
-    pipelineStage !== 'parsed' ||
     typeof instruction !== 'string' ||
     !instruction.trim() ||
     instruction.length > 4000 ||

app/portal/krediter/page.tsx

@@ -12,6 +12,7 @@ export default function CreditsPage() {
   const [balance, setBalance] = useState<{ available: number; reserved: number } | null>(null);
   const [balanceNote, setBalanceNote] = useState<string | null>(null);
   const [packs, setPacks] = useState<Pack[]>([]);
+  const [purchasesEnabled, setPurchasesEnabled] = useState(true);
   const [currency, setCurrency] = useState('SEK');
   const [packsNote, setPacksNote] = useState<string | null>(null);
   const [buying, setBuying] = useState<string | null>(null);
@@ -31,10 +32,16 @@ export default function CreditsPage() {
     }
     try {
       const r = await fetch('/api/0pt/credits/packs', { cache: 'no-store' });
-      const body = (await r.json()) as { packs?: Pack[]; currency?: string; message?: string };
+      const body = (await r.json()) as {
+        packs?: Pack[];
+        currency?: string;
+        purchases_enabled?: boolean;
+        message?: string;
+      };
       if (r.ok && body.packs) {
         setPacks(body.packs);
         setCurrency(body.currency ?? 'SEK');
+        setPurchasesEnabled(body.purchases_enabled !== false);
       } else {
         setPacksNote(
           body.message ??
@@ -127,18 +134,30 @@ export default function CreditsPage() {
                       {formatSEK(pack.amount_minor / 100)}
                     </p>
                   </div>
-                  <button
-                    type="button"
-                    onClick={() => buy(pack.id)}
-                    disabled={buying !== null}
-                    className="border border-foreground px-4 py-2 font-mono text-[11px] uppercase tracking-[0.18em] disabled:opacity-40"
-                  >
-                    {buying === pack.id ? t({ en: 'opening…', sv: 'öppnar…' }) : t({ en: 'buy', sv: 'köp' })}
-                  </button>
+                  {purchasesEnabled ? (
+                    <button
+                      type="button"
+                      onClick={() => buy(pack.id)}
+                      disabled={buying !== null}
+                      className="border border-foreground px-4 py-2 font-mono text-[11px] uppercase tracking-[0.18em] disabled:opacity-40"
+                    >
+                      {buying === pack.id
+                        ? t({ en: 'opening…', sv: 'öppnar…' })
+                        : t({ en: 'buy', sv: 'köp' })}
+                    </button>
+                  ) : null}
                 </li>
               ))}
             </ul>
           )}
+          {!purchasesEnabled ? (
+            <p className="mt-4 text-[14px] text-muted-foreground">
+              {t({
+                en: 'Billing is not active yet (pilot). No payment can be taken.',
+                sv: 'Betalning är inte aktiverad än (pilot). Ingen betalning kan tas.',
+              })}
+            </p>
+          ) : null}
           {status ? <p className="mt-4 text-[14px] text-muted-foreground">{status}</p> : null}
           <p className="mt-4 font-mono text-[10px] uppercase tracking-[0.16em] text-muted-foreground">
             {currency}