{"id":"provider_expansion_matrix_local_only","status":"PROVIDER_EXPANSION_MATRIX_READY_LOCAL","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE","noCustodyOfFunds":true,"providerFeesIncluded":false,"settlementHandledByProvider":true,"paymentMethodFamilies":[{"id":"checkout_order","label":"Orden checkout","requiredFor":["ecommerce","events"]},{"id":"payment_link","label":"Link de pago","requiredFor":["services","b2b","manual_collection"]},{"id":"payment_email","label":"Cobro por email","requiredFor":["services","manual_collection"]},{"id":"bank_transfer","label":"Transferencia asistida","requiredFor":["b2b","high_ticket"]},{"id":"wallet","label":"Billetera digital","requiredFor":["marketplace","retail"]},{"id":"recurring_payment","label":"Cobro recurrente","requiredFor":["subscriptions","education"]}],"providers":[{"provider":"flow","displayName":"Flow","status":"SANDBOX_ENABLED_LOCAL_ONLY","recommendedUse":"Primer proveedor sandbox para ordenes, links, email de cobro, estados, liquidaciones y reembolsos.","supportedFamilies":["checkout_order","payment_link","payment_email","status_lookup","settlement_lookup","refund"],"credentialPolicy":"references_only_env_secret_ref_vault_or_local_ref","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE"},{"provider":"transbank","displayName":"Transbank","status":"FUTURE_PROVIDER_BLOCKED_BY_SECURITY_GATE","recommendedUse":"Candidato futuro para Webpay y cobros tarjeta en Chile mediante Provider Adapter Layer.","supportedFamilies":["checkout_order","payment_link"],"credentialPolicy":"references_only_after_security_gate","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE"},{"provider":"mercadopago","displayName":"Mercado Pago","status":"FUTURE_PROVIDER_BLOCKED_BY_SECURITY_GATE","recommendedUse":"Candidato futuro para checkout, links y billeteras segun requerimientos por cliente.","supportedFamilies":["checkout_order","payment_link","wallet"],"credentialPolicy":"references_only_after_security_gate","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE"},{"provider":"khipu","displayName":"Khipu","status":"FUTURE_PROVIDER_BLOCKED_BY_SECURITY_GATE","recommendedUse":"Candidato futuro para transferencias bancarias asistidas sin custodia AltiroPay.","supportedFamilies":["bank_transfer","payment_link"],"credentialPolicy":"references_only_after_security_gate","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE"},{"provider":"toku","displayName":"Toku","status":"FUTURE_PROVIDER_BLOCKED_BY_SECURITY_GATE","recommendedUse":"Candidato futuro para cobranza recurrente o gestion de deuda solo con definicion legal y tecnica posterior.","supportedFamilies":["recurring_payment","collection_management"],"credentialPolicy":"references_only_after_security_gate","productionEnabled":false,"productionReadiness":"BLOCKED_BY_SECURITY_GATE"}],"securityGateControls":[{"id":"vault_backed_credentials","label":"Credenciales en vault o referencias seguras"},{"id":"tenant_isolation","label":"Separacion por empresa, marca y proveedor"},{"id":"webhook_signature_validation","label":"Validacion de firma de webhooks por PSP"},{"id":"idempotency_controls","label":"Idempotencia por orden, intento y callback"},{"id":"reconciliation_rules","label":"Conciliacion evidencial sin custodia de fondos"},{"id":"legal_compliance_review","label":"Revision legal/compliance antes de produccion"}],"nextActions":["Mantener Flow sandbox como unico proveedor con llamadas reales local-only aprobadas.","Modelar futuros PSPs solo como candidatos bloqueados por Security Gate.","Definir adaptador, credenciales por referencia, webhooks, idempotencia y conciliacion antes de cualquier integracion.","No declarar produccion lista ni proveedor activo desde esta matriz."],"forbiddenClaims":["No presentar AltiroPay como pasarela propia.","No afirmar custodia de fondos.","No declarar integracion productiva con PSPs futuros.","No prometer liquidacion propia ni control de saldos del cliente."],"exports":[{"label":"Exportar matriz JSON","href":"/api/growth-platform/provider-expansion-matrix","format":"json"},{"label":"Exportar matriz Markdown","href":"/api/growth-platform/provider-expansion-matrix?format=markdown","format":"markdown"}]}