diff --git a/siax/payment-consumer.json b/siax/payment-consumer.json
new file mode 100644
index 00000000..a85f6f24
--- /dev/null
+++ b/siax/payment-consumer.json
@@ -0,0 +1,14 @@
+{
+  "schemaVersion": "siax.payment-consumer/v1",
+  "pay0Capability": "payments",
+  "sdk": "stripe (node SDK, direct PSP — serv0 Stripe-live-räls)",
+  "scopes": [
+    "payments:webhook",
+    "payments:checkout",
+    "payments:connect:read",
+    "payments:transactions:sync"
+  ],
+  "declaredAt": "2026-09-29T00:00:00Z",
+  "owner": "SIAX Technology AB",
+  "notes": "Accounted konsumerar Stripe direkt (PSP): webhook-handled events (app/api/stripe/webhook), checkout-sessioner (app/api/billing/checkout), connect-läsning + transaktionssync-crons (extensions/general/stripe). PSP-SDK = stripe node-paketet; provider-secret via Infisical (STRIPE_SECRET_KEY)."
+}