diff --git a/.gitignore b/.gitignore
index fe39e36..95525e3 100644
--- a/.gitignore
+++ b/.gitignore
@@ -10,3 +10,15 @@ tsconfig.test.json
 /test/
 /e2e_tests/
 /non-public/
+/demo/cloudflare-demo/
+/adapters/ethers/.upstream/
+/adapters/viem/.upstream/viem/
+/docs/migration-0.3-to-0.4.md
+/demo/UTC--2026-08-03T13-05-08.008Z--7f8880845d4f215594c6fcf07f884f635216d958
+/.codex/skills/architecture-boundary-review/SKILL.md
+/demo/MyEtherWallet _ The Best Crypto Wallet For Web3.pdf
+/docs/ml-llm-crash-course.md
+/docs/job-application-tracker-extension-spec.md
+/.codex/config.toml
+/AGENTS.md
+/.dockerignore
diff --git a/CHANGELOG.md b/CHANGELOG.md
index 9309409..0db9592 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -9,8 +9,8 @@ All notable public changes to d402 are documented here.
 - Removed d402 core's runtime dependency on ethers and viem.
 - Standardized client and executor composition around four neutral capabilities:
   `rpcClient`, `codec`, `errorDecoder`, and `txSender`.
-- Preserved direct custom integration by allowing applications to provide those
-  capabilities without constructing a provider-specific adapter object.
+- Added the shared `D402Adapter` contract so applications can provide those
+  capabilities through one provider-neutral adapter object.
 - Retained custom payment executors for relayers, custodial wallets, and other
   integrations that do not use the standard dPayments execution path.
 
@@ -26,12 +26,18 @@ All notable public changes to d402 are documented here.
 
 ### API cleanup
 
+- Split payment configuration into `adapter` and `payment` sections. Routes,
+  `paymentActions()`, verification, settlement, and refund helpers now share
+  the same nested `{ adapter, payment }` composition API.
+- Added `PaymentOptions` for confirmations, settlement timing, caching,
+  identifiers, logging, events, and multicall settings.
 - Removed client-side confirmation options. Transaction confirmation depth is
   now configured on the adapter transaction sender; server verification
   confirmations remain part of server payment configuration.
 - Simplified `Once()` to accept only the payment actions it consumes.
-- Removed unused adapter types and provider-specific dependencies from shared
-  protocol code.
+- Removed unused provider-specific adapter type aliases and provider-specific
+  dependencies from shared protocol code.
+- Updated the public documentation and runnable examples for the new API.
 
 ## 0.3.3 - 2026-08-13
 
diff --git a/ELI5.md b/ELI5.md
index d8193aa..750bcbd 100644
--- a/ELI5.md
+++ b/ELI5.md
@@ -22,7 +22,7 @@ Use `payable()` when d402 can own the complete route:
 
 ```ts
 const route = payable({
-  paymentConfig,
+  ...paymentConfig,
   terms,
   handler,
 });
@@ -32,7 +32,7 @@ Use `PaymentAuthorizer` when your controller owns the surrounding work:
 
 ```ts
 const payment = new PaymentAuthorizer({
-  paymentConfig,
+  ...paymentConfig,
   terms,
 });
 
diff --git a/README.md b/README.md
index 5cf3d1e..f454169 100644
--- a/README.md
+++ b/README.md
@@ -7,7 +7,7 @@ the retried request from its proof.
 ## Install
 
 ```sh
-npm install d402 ethers
+npm install d402 @d402/ethers ethers
 ```
 
 ## 1. Protect a complete route
@@ -17,12 +17,14 @@ route:
 
 ```ts
 import { JsonRpcProvider, Wallet } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
 import { payable } from "d402/server";
 
 const provider = new JsonRpcProvider(process.env.RPC_URL);
 // Any ethers Signer works here, including a KMS or custody-backed signer.
 // Signer is only needed if the server performs an on-chain action during the request (for example, Once consumption or refunds).
 const payee = new Wallet(process.env.PAYEE_PRIVATE_KEY, provider);
+const adapter = createEthersAdapter({ provider, signer: payee });
 const terms = {
   chainId: 100,
   payeeAddress: payee.address,
@@ -33,11 +35,8 @@ const terms = {
 };
 
 export const GET = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
-    settlementWindow: 3600,
-  },
+  adapter,
+  payment: { settlementWindow: 3600 },
   terms,
   handler: (_request, payment) =>
     Response.json({
@@ -58,12 +57,8 @@ Use `PaymentAuthorizer` when your framework or application owns the controller:
 import { PaymentAuthorizer } from "d402/server";
 
 const reportPayment = new PaymentAuthorizer({
-  paymentConfig: {
-    provider,
-    // This may also be a KMS or custody-backed ethers Signer.
-    signer: payee,
-    settlementWindow: 3600,
-  },
+  adapter,
+  payment: { settlementWindow: 3600 },
   terms,
 });
 
@@ -97,17 +92,13 @@ most one protected operation:
 import { Once, payable, paymentActions } from "d402/server";
 
 const actions = paymentActions({
-  provider,
-  // Use the payee's Wallet, KMS, or custody-backed ethers Signer.
-  signer: payee,
+  adapter,
+  payment: {},
 });
 
 const download = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
-    settlementWindow: 3600,
-  },
+  adapter,
+  payment: { settlementWindow: 3600 },
   terms,
   consumer: Once(actions),
   handler: async () =>
@@ -125,11 +116,8 @@ invoice. Put the order ID in the terms so retries reconstruct the same payment:
 
 ```ts
 const orderRoute = payable({
-  paymentConfig: {
-    provider,
-    // This may also be a KMS or custody-backed ethers Signer.
-    signer: payee,
-  },
+  adapter,
+  payment: {},
   terms: (request) => {
     const orderId = new URL(request.url).pathname.split("/").at(-1);
 
@@ -159,17 +147,13 @@ payment instead of reusing an order identity:
 import { Once, payable, paymentActions } from "d402/server";
 
 const actions = paymentActions({
-  provider,
-  // Use the payee's Wallet, KMS, or custody-backed ethers Signer.
-  signer: payee,
+  adapter,
+  payment: {},
 });
 
 const independentPaymentRoute = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
-    identifier: "client",
-  },
+  adapter,
+  payment: { identifier: "client" },
   terms,
   consumer: Once(actions),
   handler,
diff --git a/adapters/ethers/src/adapter.ts b/adapters/ethers/src/adapter.ts
index 59cb0f1..8b75b49 100644
--- a/adapters/ethers/src/adapter.ts
+++ b/adapters/ethers/src/adapter.ts
@@ -1,19 +1,11 @@
-import { ABI } from "@rakelabs/dpayments-sdk";
-import type { AbiCodec } from "@rakelabs/dpayments-sdk";
-import type {
-  AbstractProvider,
-  Signer,
-} from "ethers";
+import {ABI} from "@rakelabs/dpayments-sdk";
+import type {AbstractProvider, Signer,} from "ethers";
 
-import type {
-  D402ErrorDecoder,
-  D402RpcClient,
-  D402TxSender,
-} from "d402/core";
-import { decodeEthersError } from "@rakelabs/ethers-adapter";
-import { createEthersAbiCodec } from "./codec.js";
-import { createEthersRpcClient } from "./rpc-client.js";
-import { createEthersTxSender } from "./tx-sender.js";
+import type {D402Adapter, D402ErrorDecoder,} from "d402/core";
+import {decodeEthersError} from "@rakelabs/ethers-adapter";
+import {createEthersAbiCodec} from "./codec.js";
+import {createEthersRpcClient} from "./rpc-client.js";
+import {createEthersTxSender} from "./tx-sender.js";
 
 export interface EthersAdapterOptions {
   provider: AbstractProvider;
@@ -21,16 +13,9 @@ export interface EthersAdapterOptions {
   confirmations?: number;
 }
 
-export interface EthersAdapter {
-  readonly rpcClient: D402RpcClient;
-  readonly codec: AbiCodec;
-  readonly errorDecoder: D402ErrorDecoder;
-  readonly txSender?: D402TxSender;
-}
-
 export function createEthersAdapter(
   options: EthersAdapterOptions,
-): EthersAdapter {
+): D402Adapter & { readonly errorDecoder: D402ErrorDecoder } {
   const rpcClient = createEthersRpcClient(options.provider);
   const codec = createEthersAbiCodec(ABI);
   const errorDecoder: D402ErrorDecoder = (error) =>
@@ -46,20 +31,10 @@ export function createEthersAdapter(
           : { confirmations: options.confirmations }),
       });
 
-  const components: {
-    rpcClient: D402RpcClient;
-    codec: AbiCodec;
-    errorDecoder: D402ErrorDecoder;
-    txSender?: D402TxSender;
-  } = {
+  return {
     rpcClient,
     codec,
     errorDecoder,
-  };
-
-  if (txSender !== undefined) {
-    components.txSender = txSender;
-  }
-
-  return components;
-}
+    ...(txSender === undefined ? {} : {txSender}),
+  } satisfies D402Adapter;
+}
\ No newline at end of file
diff --git a/adapters/ethers/src/client.ts b/adapters/ethers/src/client.ts
index 68920ea..f18f810 100644
--- a/adapters/ethers/src/client.ts
+++ b/adapters/ethers/src/client.ts
@@ -18,12 +18,12 @@ export interface EthersClientOptions extends Omit<
 }
 
 /**
- * Ethers-backed compatibility constructor.
+ * Ethers-backed convenience constructor.
  *
  * The adapter accepts provider/signer construction inputs and supplies the
  * neutral components consumed by d402 core.
  */
-export function createClient(
+export function createEthersClient(
   options: EthersClientOptions,
 ): Promise<D402Client> {
   const {
diff --git a/adapters/ethers/src/index.ts b/adapters/ethers/src/index.ts
index 7214381..5159aa5 100644
--- a/adapters/ethers/src/index.ts
+++ b/adapters/ethers/src/index.ts
@@ -1,11 +1,10 @@
 export {
-  createClient,
+  createEthersClient,
   type EthersClientOptions,
 } from "./client.js";
 
 export {
   createEthersAdapter,
-  type EthersAdapter,
   type EthersAdapterOptions,
 } from "./adapter.js";
 
diff --git a/adapters/ethers/test/adapter.test.ts b/adapters/ethers/test/adapter.test.ts
index 02c6bb0..1486d66 100644
--- a/adapters/ethers/test/adapter.test.ts
+++ b/adapters/ethers/test/adapter.test.ts
@@ -3,6 +3,7 @@ import type { AbstractProvider, Signer } from "ethers";
 import type { PreparedTx } from "@rakelabs/dpayments-sdk";
 
 import {
+  createEthersClient,
   createEthersTxSender,
 } from "../src/index.js";
 import { createEthersAdapter } from "../src/adapter.js";
@@ -27,6 +28,10 @@ const preparedTx: PreparedTx = {
 };
 
 describe("@d402/ethers adapter", () => {
+  it("exports the named Ethers client constructor", () => {
+    expect(createEthersClient).toBeTypeOf("function");
+  });
+
   it("creates a read-only adapter from a provider", () => {
     const adapter = createEthersAdapter({ provider });
 
diff --git a/adapters/viem/src/adapter.ts b/adapters/viem/src/adapter.ts
index 4474a30..75e713a 100644
--- a/adapters/viem/src/adapter.ts
+++ b/adapters/viem/src/adapter.ts
@@ -1,16 +1,11 @@
-import { ABI } from "@rakelabs/dpayments-sdk";
-import type { AbiCodec } from "@rakelabs/dpayments-sdk";
-import type { PublicClient, WalletClient } from "viem";
+import {ABI} from "@rakelabs/dpayments-sdk";
+import type {PublicClient, WalletClient} from "viem";
 
-import type {
-  D402ErrorDecoder,
-  D402RpcClient,
-  D402TxSender,
-} from "d402/core";
-import { decodeViemError } from "@rakelabs/viem-adapter";
-import { createViemAbiCodec } from "./codec.js";
-import { createViemRpcClient } from "./rpc-client.js";
-import { createViemTxSender } from "./tx-sender.js";
+import type {D402Adapter, D402ErrorDecoder,} from "d402/core";
+import {decodeViemError} from "@rakelabs/viem-adapter";
+import {createViemAbiCodec} from "./codec.js";
+import {createViemRpcClient} from "./rpc-client.js";
+import {createViemTxSender} from "./tx-sender.js";
 
 export interface ViemAdapterOptions {
   publicClient: PublicClient;
@@ -18,16 +13,9 @@ export interface ViemAdapterOptions {
   confirmations?: number;
 }
 
-export interface ViemAdapter {
-  readonly rpcClient: D402RpcClient;
-  readonly codec: AbiCodec;
-  readonly errorDecoder: D402ErrorDecoder;
-  readonly txSender?: D402TxSender;
-}
-
 export function createViemAdapter(
   options: ViemAdapterOptions,
-): ViemAdapter {
+): D402Adapter {
   const rpcClient = createViemRpcClient(options.publicClient);
   const codec = createViemAbiCodec(ABI);
   const errorDecoder: D402ErrorDecoder = (error) =>
@@ -42,20 +30,10 @@ export function createViemAdapter(
           : { confirmations: options.confirmations }),
       });
 
-  const components: {
-    rpcClient: D402RpcClient;
-    codec: AbiCodec;
-    errorDecoder: D402ErrorDecoder;
-    txSender?: D402TxSender;
-  } = {
-    rpcClient,
-    codec,
-    errorDecoder,
-  };
-
-  if (txSender !== undefined) {
-    components.txSender = txSender;
-  }
-
-  return components;
-}
+  return {
+      rpcClient,
+      codec,
+      errorDecoder,
+      ...(txSender === undefined ? {} : {txSender}),
+  } satisfies D402Adapter;
+}
\ No newline at end of file
diff --git a/adapters/viem/src/client.ts b/adapters/viem/src/client.ts
new file mode 100644
index 0000000..b0bf9e7
--- /dev/null
+++ b/adapters/viem/src/client.ts
@@ -0,0 +1,47 @@
+import { createD402Client } from "d402/client";
+import type {
+  CreateD402ClientOptions,
+  D402Client,
+} from "d402/client";
+import type { D402TxSender } from "d402/core";
+import type { PublicClient, WalletClient } from "viem";
+import { createViemAdapter } from "./adapter.js";
+
+export interface ViemClientOptions extends Omit<
+  CreateD402ClientOptions,
+  "rpcClient" | "codec" | "errorDecoder" | "txSender"
+> {
+  publicClient: PublicClient;
+  walletClient?: WalletClient;
+  confirmations?: number;
+  txSender?: D402TxSender;
+}
+
+export function createViemClient(
+  options: ViemClientOptions,
+): Promise<D402Client> {
+  const {
+    publicClient,
+    walletClient,
+    confirmations,
+    txSender,
+    ...clientOptions
+  } = options;
+  const adapter = createViemAdapter({
+    publicClient,
+    ...(walletClient === undefined ? {} : { walletClient }),
+    ...(confirmations === undefined ? {} : { confirmations }),
+  });
+
+  return createD402Client({
+    ...clientOptions,
+    rpcClient: adapter.rpcClient,
+    codec: adapter.codec,
+    ...(adapter.errorDecoder === undefined
+      ? {}
+      : { errorDecoder: adapter.errorDecoder }),
+    ...(txSender !== undefined
+      ? { txSender }
+      : adapter.txSender === undefined ? {} : { txSender: adapter.txSender }),
+  });
+}
diff --git a/adapters/viem/src/index.ts b/adapters/viem/src/index.ts
index 0645d03..1eb8bc8 100644
--- a/adapters/viem/src/index.ts
+++ b/adapters/viem/src/index.ts
@@ -1,6 +1,10 @@
+export {
+  createViemClient,
+  type ViemClientOptions,
+} from "./client.js";
+
 export {
   createViemAdapter,
-  type ViemAdapter,
   type ViemAdapterOptions,
 } from "./adapter.js";
 
diff --git a/docs/adapters.md b/docs/adapters.md
new file mode 100644
index 0000000..ebec019
--- /dev/null
+++ b/docs/adapters.md
@@ -0,0 +1,134 @@
+# Ethers and Viem adapters
+
+d402 core is provider-neutral. It does not construct Ethers providers,
+Viem clients, wallets, transaction requests, receipts, or provider-specific
+errors. A provider integration supplies four capabilities:
+
+```ts
+rpcClient   // chain reads and normalized receipts
+codec       // ABI and event encoding/decoding
+errorDecoder // provider error -> decoded contract error
+txSender    // transaction preparation, broadcast, retry, and confirmation
+```
+
+The official integrations are `@d402/ethers` and `@d402/viem`.
+
+## Install
+
+For Ethers:
+
+```sh
+npm install d402 @d402/ethers ethers
+```
+
+For Viem:
+
+```sh
+npm install d402 @d402/viem viem
+```
+
+## Ethers
+
+Create the adapter once and pass its capabilities to the d402 client:
+
+```ts
+import { JsonRpcProvider, Wallet } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
+import { createD402Client } from "d402/client";
+
+const provider = new JsonRpcProvider(process.env.RPC_URL);
+const signer = new Wallet(process.env.PAYER_PRIVATE_KEY, provider);
+const adapter = createEthersAdapter({ provider, signer, confirmations: 1 });
+
+const client = await createD402Client({
+  ...adapter,
+  policy: { allowedChains: [100] },
+});
+```
+
+For a shorter provider-specific client constructor, use `createEthersClient()`:
+
+```ts
+import { createEthersClient } from "@d402/ethers";
+
+const client = await createEthersClient({
+  provider,
+  signer,
+  confirmations: 1,
+  policy: { allowedChains: [100] },
+});
+```
+
+For server actions, use the same adapter capabilities:
+
+```ts
+import { JsonRpcProvider, Wallet } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
+import { Once, payable, paymentActions } from "d402/server";
+
+const provider = new JsonRpcProvider(process.env.RPC_URL);
+const signer = new Wallet(process.env.PAYEE_PRIVATE_KEY, provider);
+
+const adapter = createEthersAdapter({ provider, signer });
+const actions = paymentActions({
+  adapter,
+  payment: { confirmations: 1 },
+});
+
+export const route = payable({
+  adapter,
+  payment: { confirmations: 1, settlementWindow: 3600 },
+  terms,
+  consumer: Once(actions),
+  handler,
+});
+```
+
+## Viem
+
+Viem applications construct their own public and wallet clients, then pass
+them to the adapter:
+
+```ts
+import { createPublicClient, createWalletClient, http } from "viem";
+import { privateKeyToAccount } from "viem/accounts";
+import { mainnet } from "viem/chains";
+import { createViemClient } from "@d402/viem";
+
+const account = privateKeyToAccount(process.env.PAYER_PRIVATE_KEY);
+const publicClient = createPublicClient({ chain: mainnet, transport: http() });
+const walletClient = createWalletClient({
+  account,
+  chain: mainnet,
+  transport: http(),
+});
+const client = await createViemClient({
+  publicClient,
+  walletClient,
+  confirmations: 1,
+});
+```
+
+The low-level `createViemAdapter()` remains available when the same neutral
+capabilities must be shared by multiple d402 components.
+
+The same `adapter` object can be placed in the `PaymentConfig` passed to
+`paymentActions()` and `payable()` for server-side lifecycle actions. A
+read-only adapter omits
+`walletClient` and therefore does not expose `txSender`; it is suitable for
+verification-only integrations, not for payment creation or server actions.
+
+## Confirmation and error behavior
+
+Client transaction confirmation depth is configured when creating the adapter.
+Server verification and action confirmation depth belongs in
+`PaymentConfig.payment`. The adapter owns provider-specific nonce, gas,
+receipt, confirmation, and retry behavior for the transactions it sends.
+
+Contract errors are decoded by the adapter's `errorDecoder` and normalized by
+d402 into `D402PaymentExecutionError`. d402 core does not inspect Ethers or
+Viem exception classes.
+
+For custom integrations, implement the same neutral capabilities directly and
+pass them to `createD402Client`, or place them in the `adapter` property of the
+`PaymentConfig` passed to `paymentActions` or `payable`.
diff --git a/docs/advanced.md b/docs/advanced.md
index 85ea089..059ab60 100644
--- a/docs/advanced.md
+++ b/docs/advanced.md
@@ -79,9 +79,8 @@ Use a string when the same payment terms protect one stable URL.
 
 ```ts
 const authorizationConfig = {
-  paymentConfig: {
-    provider,
-  },
+  adapter,
+  payment: {},
   terms: {
     ...terms,
     resource: "https://api.example.com/reports/monthly",
@@ -98,9 +97,8 @@ than the literal request URL.
 
 ```ts
 const authorizationConfig = {
-  paymentConfig: {
-    provider,
-  },
+  adapter,
+  payment: {},
   terms: {
     chainId: 100,
     payeeAddress,
@@ -122,7 +120,7 @@ The client defaults to matching the URL it retries. When the server uses a
 custom identifier, pass the same string or resolver as the client's `resource`
 option. Use a stable public URL pattern or opaque application identifier and
 constrain it with client policy. If each request needs a distinct payment
-identity, use `paymentConfig.identifier: "client"` or put a stable request or
+identity, use `payment.identifier: "client"` or put a stable request or
 order ID in `agreement.id`.
 
 ### Framework request metadata and request bodies
@@ -133,7 +131,8 @@ Use resolver context when a framework extends the standard `Request` type:
 import type { NextRequest } from "next/server";
 
 const authorizationConfig = {
-  paymentConfig: { provider },
+  adapter,
+  payment: {},
   terms: async (
     _request,
     { originalRequest, bodyRequest },
@@ -172,7 +171,7 @@ metadata and the clone for body reads so the handler retains its body.
 Both public forms enter the same authorizer:
 
 ```text
-payable({ authorization config, handler })
+payable({ adapter, payment, handler })
                    |
                    v
           PaymentAuthorizer.authorize(request)
@@ -253,7 +252,7 @@ to be available.
 import { FundedPayment } from "d402/server";
 
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   terms,
   verificationPolicy: FundedPayment,
 } satisfies PaymentAuthorizationConfig;
@@ -286,7 +285,7 @@ authenticated payment request, proof, observed payment, and consumer result.
 
 ```ts
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   terms,
 } satisfies PaymentAuthorizationConfig;
 
@@ -329,14 +328,14 @@ the server payment actions once and inject them into the consumer:
 ```ts
 import { Once, paymentActions } from "d402/server";
 
-const actions = paymentActions({ provider, signer: payee });
+const paymentConfig = {
+  adapter,
+  payment: { identifier: "client" },
+};
+const actions = paymentActions(paymentConfig);
 
 const authorizationConfig = {
-  paymentConfig: {
-    provider,
-    signer: payee,
-    identifier: "client",
-  },
+  ...paymentConfig,
   consumer: Once(actions),
   terms,
 } satisfies PaymentAuthorizationConfig;
@@ -438,7 +437,7 @@ const recovery: PaymentRecovery = async ({ payment }) => {
 };
 
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   terms,
   recovery,
   consumer: Once(actions),
@@ -594,7 +593,7 @@ function DatabaseOnce(chainId: number): PaymentConsumer {
 }
 
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   consumer: DatabaseOnce(chainId),
   terms,
 } satisfies PaymentAuthorizationConfig;
@@ -657,7 +656,7 @@ SKU, order state, agreement metadata, quotas, or server-side entitlements.
 import { None } from "d402/server";
 
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   terms,
   consumer: None,
 } satisfies PaymentAuthorizationConfig;
@@ -676,7 +675,7 @@ Store a usage count when one payment buys a fixed number of uses.
 
 ```ts
 const authorizationConfig = {
-  paymentConfig,
+  ...paymentConfig,
   terms,
 } satisfies PaymentAuthorizationConfig;
 
@@ -857,7 +856,10 @@ The d402 server action helper also exposes common server-side lifecycle actions
 for consumers, workers, and recovery flows:
 
 ```ts
-const actions = paymentActions({ provider, signer });
+const actions = paymentActions({
+  adapter,
+  payment: {},
+});
 
 await actions.settlePayment(paymentAddress);
 await actions.refundPayment(paymentAddress);
@@ -897,11 +899,14 @@ const logger: D402Logger = (record) => {
   applicationLogger[record.level](record.context, record.message);
 };
 
-const actions = paymentActions({ provider, signer, logger });
+const actions = paymentActions({
+  adapter,
+  payment: { logger },
+});
 ```
 
 The same option is accepted by `createD402Client()` and
 `createDPaymentsExecutor()`. d402 isolates logging from payment behavior:
 thrown logger errors and rejected logger promises are ignored. Records include
 stable event names and shallow safe context, never signed transaction payloads,
-credentials, evidence URIs, or arbitrary error properties.
\ No newline at end of file
+credentials, evidence URIs, or arbitrary error properties.
diff --git a/docs/api.md b/docs/api.md
index f6358bb..050df44 100644
--- a/docs/api.md
+++ b/docs/api.md
@@ -267,6 +267,15 @@ import {
 } from "d402/server";
 ```
 
+Server configuration is shared across routes and actions:
+
+```ts
+interface PaymentConfig {
+  adapter: D402Adapter;
+  payment: PaymentOptions;
+}
+```
+
 ### `payable(options)`
 
 Wraps a request handler and returns a function that either:
@@ -276,15 +285,16 @@ Wraps a request handler and returns a function that either:
 
 Important options:
 
-- `paymentConfig.provider`: ethers provider used for verification.
-- `paymentConfig.confirmations`: required payment transaction confirmations.
-- `paymentConfig.settlementWindow`: optional settlement window in seconds for
+- `adapter`: provider-neutral chain capabilities used for verification and
+  optional server actions.
+- `payment.confirmations`: required payment transaction confirmations.
+- `payment.settlementWindow`: optional settlement window in seconds for
   dynamic relative settlement timing.
-- `paymentConfig.settlementTimeUnixSec`: explicit settlement time.
-- `paymentConfig.cache`: optional cache setting for settlement-window support.
-- `paymentConfig.logger`: optional structured record sink for server payment
+- `payment.settlementTimeUnixSec`: explicit settlement time.
+- `payment.cache`: optional cache setting for settlement-window support.
+- `payment.logger`: optional structured record sink for server payment
   actions. It has the same failure-isolated behavior as the client logger.
-- `paymentConfig.multicall`: optional trusted Multicall3 configuration used by
+- `payment.multicall`: optional trusted Multicall3 configuration used by
   canonical payment-state observation.
 - `terms`: static terms or a function of the request. Its optional `resource`
   may be a string or function of the request; it defaults to the incoming URL.
@@ -299,7 +309,7 @@ Important options:
   observation. `FundedOrSettledPayment` is the default; the exported
   `FundedPayment` accepts only payments whose current state is `funded`.
 - `consumer`: optional payment-consumption policy. Use
-  `Once(actions)` with a shared `paymentActions({ provider, signer })` instance
+  `Once(actions)` with a shared `paymentActions({ adapter, payment })` instance
   to consume a verified payment before the
   protected handler runs, or `None` to state the reusable policy explicitly.
   Routes are reusable by default. `Once` is an at-most-once authorization
@@ -342,7 +352,10 @@ behavior.
 Creates a `PaymentActions` object containing the server-side lifecycle methods:
 
 ```ts
-const actions = paymentActions({ provider, signer });
+const actions = paymentActions({
+  adapter,
+  payment: { confirmations: 1 },
+});
 
 await actions.settlePayment(paymentAddress);
 await actions.refundPayment(paymentAddress);
@@ -351,9 +364,10 @@ await actions.submitEvidence(paymentAddress, "ipfs://QmEvidence");
 await actions.appealPayment(paymentAddress);
 ```
 
-The configuration requires `provider` and `signer`; `confirmations` is
-optional. Reuse the returned object for payable consumers, lifecycle workers,
-and recovery flows that use that configuration.
+The configuration contains the provider-neutral `adapter` and the server
+`payment` options. The adapter must expose `txSender` for broadcast actions.
+Reuse the returned object for payable consumers, lifecycle workers, and recovery
+flows that use that configuration.
 
 `paymentActions()` creates an independent action object for each call. Each
 object privately orders its own broadcasts, while nonce selection remains
@@ -408,7 +422,10 @@ intentionally permits or rejects a particular current payment state. Use
 consumption:
 
 ```ts
-const actions = paymentActions({ provider, signer });
+const actions = paymentActions({
+  adapter,
+  payment: { confirmations: 1 },
+});
 const consumer = Once(actions);
 ```
 
@@ -432,7 +449,7 @@ const databaseOnce: PaymentConsumer = {
 };
 
 const route = payable({
-  paymentConfig,
+  ...paymentConfig,
   consumer: databaseOnce,
   terms,
   handler,
diff --git a/docs/disputes.md b/docs/disputes.md
index 0ecfefa..a28393c 100644
--- a/docs/disputes.md
+++ b/docs/disputes.md
@@ -39,7 +39,7 @@ underlying resolution outcome is not yet modeled in d402.
 - Verify payment creation and live payment state.
 - Initiate a dispute through the client executor.
 - Submit an evidence URI through `actions.submitEvidence()`, where `actions`
-  is returned by `paymentActions({ provider, signer })`.
+  is returned by `paymentActions({ adapter, payment })`.
 - Provide server-side appeal and settlement/refund transaction helpers.
 - Reject access for disputed or resolved payments.
 
@@ -73,7 +73,10 @@ refund when policy approves. See [Refunds](./refunds.md).
 ```ts
 import { paymentActions } from "d402/server";
 
-const actions = paymentActions({ provider, signer });
+const actions = paymentActions({
+  adapter,
+  payment: {},
+});
 
 const result = await evidencePublisher.publish({
   title: `d402 evidence for ${paymentId}`,
diff --git a/docs/http-integration.md b/docs/http-integration.md
index d23f78d..e5761bf 100644
--- a/docs/http-integration.md
+++ b/docs/http-integration.md
@@ -89,7 +89,7 @@ import {
 } from "d402/server";
 
 const route = payable({
-  paymentConfig,
+  ...paymentConfig,
   terms,
   handler,
 
diff --git a/docs/refunds.md b/docs/refunds.md
index 87e4e37..a668816 100644
--- a/docs/refunds.md
+++ b/docs/refunds.md
@@ -30,10 +30,8 @@ import {
 } from "d402/server";
 
 const routeConfig = {
-  paymentConfig: {
-    provider,
-    signer: payee,
-  },
+  adapter,
+  payment: {},
   terms,
   refunds: {
     url: "/refund",
@@ -74,9 +72,9 @@ reference formats it supports.
 For cross-origin preflight, cookies, and bearer credentials on the refund
 request, see [HTTP and Framework Integration](./http-integration.md).
 
-The original route configuration is reused for its provider, signer, and
-payment-verification settings. The refund handler does not invoke the original
-terms resolver, recovery hook, consumer, or protected handler.
+The original route configuration is reused for its adapter and payment
+verification settings. The refund handler does not invoke the original terms
+resolver, recovery hook, consumer, or protected handler.
 
 ## Configure the client
 
diff --git a/docs/scaling.md b/docs/scaling.md
index 9ba316d..0268af6 100644
--- a/docs/scaling.md
+++ b/docs/scaling.md
@@ -111,14 +111,14 @@ Use `Once(actions)` when one payment should authorize at most one handler
 execution. `Once` claims the payment on-chain before entering the handler:
 
 ```ts
-const actions = paymentActions({ provider, signer: payee });
+const actions = paymentActions({
+  adapter,
+  payment: {},
+});
 
 const route = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
-    identifier: "client",
-  },
+  adapter,
+  payment: { identifier: "client" },
   consumer: Once(actions),
   terms,
   handler,
@@ -273,4 +273,4 @@ status or recovery responses from shared storage.
 - Monitor provider latency, retryable verification failures, and transaction
   confirmation time.
 - Test challenge issuance, paid retry, restart recovery, and one-shot races
-  across different replicas.
\ No newline at end of file
+  across different replicas.
diff --git a/docs/schemes.md b/docs/schemes.md
index f312015..c8d37a2 100644
--- a/docs/schemes.md
+++ b/docs/schemes.md
@@ -19,10 +19,8 @@ subscription, entitlement, or other business object:
 
 ```ts
 const route = payable({
-  paymentConfig: {
-    provider,
-    identifier: "server",
-  },
+  adapter,
+  payment: { identifier: "server" },
   terms,
   handler,
 });
@@ -36,10 +34,8 @@ even if multiple clients receive identical terms:
 
 ```ts
 const route = payable({
-  paymentConfig: {
-    provider,
-    identifier: "client",
-  },
+  adapter,
+  payment: { identifier: "client" },
   terms,
   handler,
 });
@@ -54,14 +50,14 @@ most one protected operation:
 ```ts
 import { Once, payable, paymentActions } from "d402/server";
 
-const actions = paymentActions({ provider, signer: payee });
+const actions = paymentActions({
+  adapter,
+  payment: {},
+});
 
 const route = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
-    identifier: "client",
-  },
+  adapter,
+  payment: { identifier: "client" },
   consumer: Once(actions),
   terms,
   handler,
@@ -102,10 +98,7 @@ server identity.
 
 ```ts
 const orderCheckout = payable({
-  paymentConfig: {
-    provider,
-    resource: ({ url }) => `order:${new URL(url).searchParams.get("orderId")}`,
-  },
+  adapter,
   terms: async (request) => {
     const order = await orders.loadRequired(request);
 
@@ -118,6 +111,8 @@ const orderCheckout = payable({
       agreement: {
         id: `order:${order.id}:v${order.priceVersion}`,
       },
+      resource: ({ url }) =>
+        `order:${new URL(url).searchParams.get("orderId")}`,
       expiresAtUnixSec: order.quoteExpiresAtUnixSec,
     };
   },
@@ -189,10 +184,8 @@ payments:
 
 ```ts
 const paidSearch = payable({
-  paymentConfig: {
-    provider,
-    identifier: "client",
-  },
+  adapter,
+  payment: { identifier: "client" },
   terms: searchTerms,
   handler: runSearch,
 });
@@ -240,7 +233,10 @@ lifecycle actions from an authorized server process:
 ```ts
 import { paymentActions } from "d402/server";
 
-const actions = paymentActions({ provider, signer: payee });
+const actions = paymentActions({
+  adapter,
+  payment: {},
+});
 
 await actions.refundPayment(paymentAddress);
 await actions.settlePayment(paymentAddress);
@@ -310,4 +306,4 @@ The application answers:
 > returned or recovered?
 
 That boundary is what lets integrators scale storage, queues, caching, locking,
-and fulfillment independently from the protocol.
\ No newline at end of file
+and fulfillment independently from the protocol.
diff --git a/docs/signing.md b/docs/signing.md
index 3859a55..9442e91 100644
--- a/docs/signing.md
+++ b/docs/signing.md
@@ -118,9 +118,8 @@ Servers can also send dPayment action transactions with their own signer.
 import { paymentActions } from "d402/server";
 
 const actions = paymentActions({
-  provider,
-  signer,
-  confirmations: 2,
+  adapter,
+  payment: { confirmations: 2 },
 });
 
 await actions.settlePayment(paymentAddress);
diff --git a/examples/express-native/package-lock.json b/examples/express-native/package-lock.json
index 03e676f..304c5aa 100644
--- a/examples/express-native/package-lock.json
+++ b/examples/express-native/package-lock.json
@@ -6,6 +6,7 @@
     "": {
       "name": "@d402/example-express-native",
       "dependencies": {
+        "@d402/ethers": "file:../../adapters/ethers",
         "d402": "file:../..",
         "dotenv": "^16.4.7",
         "ethers": "^6.17.0",
@@ -19,12 +20,12 @@
       }
     },
     "../..": {
-      "version": "0.3.0-rc.0",
+      "version": "0.4.0",
       "license": "Apache-2.0",
       "dependencies": {
-        "@rakelabs/dpayments-sdk": "^0.1.5",
+        "@noble/hashes": "^2.0.1",
+        "@rakelabs/dpayments-sdk": "^0.2.1",
         "canonicalize": "^3.0.0",
-        "ethers": "^6.17.0",
         "zod": "^4.4.3"
       },
       "devDependencies": {
@@ -33,13 +34,34 @@
         "@eslint/js": "^10.0.1",
         "@types/node": "^26.0.1",
         "eslint": "^10.6.0",
+        "ethers": "^6.17.0",
         "tsx": "^4.22.4",
         "typescript": "^6.0.3",
         "typescript-eslint": "^8.62.0",
+        "viem": "^2.55.19",
         "vitest": "^4.1.9"
       },
+      "engines": {
+        "node": ">=20.19.0"
+      }
+    },
+    "../../adapters/ethers": {
+      "name": "@d402/ethers",
+      "version": "0.1.0",
+      "dependencies": {
+        "@rakelabs/dpayments-sdk": "^0.2.1",
+        "@rakelabs/ethers-adapter": "^0.1.0"
+      },
+      "devDependencies": {
+        "d402": "file:../..",
+        "ethers": "^6.17.0"
+      },
       "engines": {
         "node": ">=20"
+      },
+      "peerDependencies": {
+        "d402": "^0.4.0",
+        "ethers": "^6.17.0"
       }
     },
     "node_modules/@adraffy/ens-normalize": {
@@ -48,6 +70,10 @@
       "integrity": "sha512-nhCBV3quEgesuf7c7KYfperqSS14T8bYuvJ8PcLJp6znkZpFc0AuW4qBtr8eKVyPPe/8RSr7sglCWPU5eaxwKQ==",
       "license": "MIT"
     },
+    "node_modules/@d402/ethers": {
+      "resolved": "../../adapters/ethers",
+      "link": true
+    },
     "node_modules/@esbuild/aix-ppc64": {
       "version": "0.28.1",
       "resolved": "https://registry.npmjs.org/@esbuild/aix-ppc64/-/aix-ppc64-0.28.1.tgz",
diff --git a/examples/express-native/package.json b/examples/express-native/package.json
index a9b9edb..c010cfc 100644
--- a/examples/express-native/package.json
+++ b/examples/express-native/package.json
@@ -10,6 +10,7 @@
     "typecheck": "tsc -p tsconfig.json --noEmit"
   },
   "dependencies": {
+    "@d402/ethers": "file:../../adapters/ethers",
     "d402": "file:../..",
     "dotenv": "^16.4.7",
     "ethers": "^6.17.0",
diff --git a/examples/express-native/src/shared.ts b/examples/express-native/src/shared.ts
index 7dc339b..e6bbb47 100644
--- a/examples/express-native/src/shared.ts
+++ b/examples/express-native/src/shared.ts
@@ -2,6 +2,7 @@ import "dotenv/config";
 
 import express from "express";
 import { JsonRpcProvider } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
 
 import type { PaymentAuthorizationConfig } from "d402/server";
 
@@ -10,10 +11,11 @@ export const port = Number(process.env.PORT ?? "3000");
 const chainId = Number(requireEnv("CHAIN_ID"));
 const payeeAddress = requireEnv("PAYEE_ADDRESS") as `0x${string}`;
 const provider = new JsonRpcProvider(requireEnv("RPC_URL"));
+const adapter = createEthersAdapter({ provider });
 
 export const reportAuthorization = {
-  paymentConfig: {
-    provider,
+  adapter,
+  payment: {
     confirmations: 1,
     settlementWindow: 3600,
   },
diff --git a/examples/next-route-handler/app/api/reports/[id]/route.ts b/examples/next-route-handler/app/api/reports/[id]/route.ts
index 258ea49..d4eeff9 100644
--- a/examples/next-route-handler/app/api/reports/[id]/route.ts
+++ b/examples/next-route-handler/app/api/reports/[id]/route.ts
@@ -1,14 +1,16 @@
 import { JsonRpcProvider } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
 
 import { payable } from "d402/server";
 
 const provider = new JsonRpcProvider(requireEnv("RPC_URL"));
+const adapter = createEthersAdapter({ provider });
 const chainId = Number(requireEnv("CHAIN_ID"));
 const payeeAddress = requireEnv("PAYEE_ADDRESS") as `0x${string}`;
 
 const protectReport = payable({
-  paymentConfig: {
-    provider,
+  adapter,
+  payment: {
     confirmations: 1,
     settlementWindow: 3600,
   },
diff --git a/examples/next-route-handler/package-lock.json b/examples/next-route-handler/package-lock.json
index bf1c86c..296a666 100644
--- a/examples/next-route-handler/package-lock.json
+++ b/examples/next-route-handler/package-lock.json
@@ -6,6 +6,7 @@
     "": {
       "name": "@d402/example-next-route-handler",
       "dependencies": {
+        "@d402/ethers": "file:../../adapters/ethers",
         "d402": "file:../..",
         "dotenv": "^16.4.7",
         "ethers": "^6.17.0",
@@ -21,12 +22,12 @@
       }
     },
     "../..": {
-      "version": "0.3.0-rc.0",
+      "version": "0.4.0",
       "license": "Apache-2.0",
       "dependencies": {
-        "@rakelabs/dpayments-sdk": "^0.1.5",
+        "@noble/hashes": "^2.0.1",
+        "@rakelabs/dpayments-sdk": "^0.2.1",
         "canonicalize": "^3.0.0",
-        "ethers": "^6.17.0",
         "zod": "^4.4.3"
       },
       "devDependencies": {
@@ -35,13 +36,34 @@
         "@eslint/js": "^10.0.1",
         "@types/node": "^26.0.1",
         "eslint": "^10.6.0",
+        "ethers": "^6.17.0",
         "tsx": "^4.22.4",
         "typescript": "^6.0.3",
         "typescript-eslint": "^8.62.0",
+        "viem": "^2.55.19",
         "vitest": "^4.1.9"
       },
+      "engines": {
+        "node": ">=20.19.0"
+      }
+    },
+    "../../adapters/ethers": {
+      "name": "@d402/ethers",
+      "version": "0.1.0",
+      "dependencies": {
+        "@rakelabs/dpayments-sdk": "^0.2.1",
+        "@rakelabs/ethers-adapter": "^0.1.0"
+      },
+      "devDependencies": {
+        "d402": "file:../..",
+        "ethers": "^6.17.0"
+      },
       "engines": {
         "node": ">=20"
+      },
+      "peerDependencies": {
+        "d402": "^0.4.0",
+        "ethers": "^6.17.0"
       }
     },
     "node_modules/@adraffy/ens-normalize": {
@@ -50,6 +72,10 @@
       "integrity": "sha512-nhCBV3quEgesuf7c7KYfperqSS14T8bYuvJ8PcLJp6znkZpFc0AuW4qBtr8eKVyPPe/8RSr7sglCWPU5eaxwKQ==",
       "license": "MIT"
     },
+    "node_modules/@d402/ethers": {
+      "resolved": "../../adapters/ethers",
+      "link": true
+    },
     "node_modules/@emnapi/runtime": {
       "version": "1.11.3",
       "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.11.3.tgz",
diff --git a/examples/next-route-handler/package.json b/examples/next-route-handler/package.json
index 1f1c7b2..f5f05bb 100644
--- a/examples/next-route-handler/package.json
+++ b/examples/next-route-handler/package.json
@@ -8,6 +8,7 @@
     "typecheck": "tsc -p tsconfig.json --noEmit"
   },
   "dependencies": {
+    "@d402/ethers": "file:../../adapters/ethers",
     "d402": "file:../..",
     "dotenv": "^16.4.7",
     "ethers": "^6.17.0",
diff --git a/examples/one-shot-access/package-lock.json b/examples/one-shot-access/package-lock.json
index 53344c2..f215d35 100644
--- a/examples/one-shot-access/package-lock.json
+++ b/examples/one-shot-access/package-lock.json
@@ -6,6 +6,7 @@
     "": {
       "name": "@d402/example-one-shot-access",
       "dependencies": {
+        "@d402/ethers": "file:../../adapters/ethers",
         "d402": "file:../..",
         "dotenv": "^16.4.7",
         "ethers": "^6.17.0",
@@ -19,12 +20,12 @@
       }
     },
     "../..": {
-      "version": "0.3.0-rc.0",
+      "version": "0.4.0",
       "license": "Apache-2.0",
       "dependencies": {
-        "@rakelabs/dpayments-sdk": "^0.1.5",
+        "@noble/hashes": "^2.0.1",
+        "@rakelabs/dpayments-sdk": "^0.2.1",
         "canonicalize": "^3.0.0",
-        "ethers": "^6.17.0",
         "zod": "^4.4.3"
       },
       "devDependencies": {
@@ -33,13 +34,34 @@
         "@eslint/js": "^10.0.1",
         "@types/node": "^26.0.1",
         "eslint": "^10.6.0",
+        "ethers": "^6.17.0",
         "tsx": "^4.22.4",
         "typescript": "^6.0.3",
         "typescript-eslint": "^8.62.0",
+        "viem": "^2.55.19",
         "vitest": "^4.1.9"
       },
+      "engines": {
+        "node": ">=20.19.0"
+      }
+    },
+    "../../adapters/ethers": {
+      "name": "@d402/ethers",
+      "version": "0.1.0",
+      "dependencies": {
+        "@rakelabs/dpayments-sdk": "^0.2.1",
+        "@rakelabs/ethers-adapter": "^0.1.0"
+      },
+      "devDependencies": {
+        "d402": "file:../..",
+        "ethers": "^6.17.0"
+      },
       "engines": {
         "node": ">=20"
+      },
+      "peerDependencies": {
+        "d402": "^0.4.0",
+        "ethers": "^6.17.0"
       }
     },
     "node_modules/@adraffy/ens-normalize": {
@@ -48,6 +70,10 @@
       "integrity": "sha512-nhCBV3quEgesuf7c7KYfperqSS14T8bYuvJ8PcLJp6znkZpFc0AuW4qBtr8eKVyPPe/8RSr7sglCWPU5eaxwKQ==",
       "license": "MIT"
     },
+    "node_modules/@d402/ethers": {
+      "resolved": "../../adapters/ethers",
+      "link": true
+    },
     "node_modules/@esbuild/aix-ppc64": {
       "version": "0.28.1",
       "resolved": "https://registry.npmjs.org/@esbuild/aix-ppc64/-/aix-ppc64-0.28.1.tgz",
diff --git a/examples/one-shot-access/package.json b/examples/one-shot-access/package.json
index d707cbd..fd71ffe 100644
--- a/examples/one-shot-access/package.json
+++ b/examples/one-shot-access/package.json
@@ -8,6 +8,7 @@
     "typecheck": "tsc -p tsconfig.json --noEmit"
   },
   "dependencies": {
+    "@d402/ethers": "file:../../adapters/ethers",
     "d402": "file:../..",
     "dotenv": "^16.4.7",
     "ethers": "^6.17.0",
diff --git a/examples/one-shot-access/src/server.ts b/examples/one-shot-access/src/server.ts
index 0f96688..508e6ff 100644
--- a/examples/one-shot-access/src/server.ts
+++ b/examples/one-shot-access/src/server.ts
@@ -2,6 +2,7 @@ import "dotenv/config";
 
 import express from "express";
 import { JsonRpcProvider, Wallet } from "ethers";
+import { createEthersAdapter } from "@d402/ethers";
 
 import { Once, payable, paymentActions } from "d402/server";
 
@@ -10,15 +11,15 @@ const chainId = Number(requireEnv("CHAIN_ID"));
 const provider = new JsonRpcProvider(requireEnv("RPC_URL"));
 const payee = new Wallet(requireEnv("PAYEE_PRIVATE_KEY"), provider);
 const payeeAddress = payee.address as `0x${string}`;
+const adapter = createEthersAdapter({ provider, signer: payee });
 const actions = paymentActions({
-  provider,
-  signer: payee,
+  adapter,
+  payment: { confirmations: 1 },
 });
 
 const protectedDownload = payable({
-  paymentConfig: {
-    provider,
-    signer: payee,
+  adapter,
+  payment: {
     confirmations: 1,
     identifier: "client",
     settlementWindow: 3600,
diff --git a/src/core/adapter.ts b/src/core/adapter.ts
index 55775ab..0c73acb 100644
--- a/src/core/adapter.ts
+++ b/src/core/adapter.ts
@@ -1,4 +1,5 @@
 import type {
+  AbiCodec,
   DecodedError,
   EvmLog,
   PreparedTx,
@@ -42,3 +43,10 @@ export interface D402TxSender {
   /** Broadcasts a prepared transaction without waiting for confirmation. */
   broadcastTransaction(tx: PreparedTx): Promise<D402BroadcastedTx>;
 }
+
+export interface D402Adapter {
+  readonly rpcClient: D402RpcClient;
+  readonly codec: AbiCodec;
+  readonly errorDecoder?: D402ErrorDecoder;
+  readonly txSender?: D402TxSender;
+}
diff --git a/src/core/index.ts b/src/core/index.ts
index 6446483..94a7924 100644
--- a/src/core/index.ts
+++ b/src/core/index.ts
@@ -22,6 +22,7 @@ export type { D402CanonicalSalt } from "./constants.js";
 export type {
   D402BlockInfo,
   D402BroadcastedTx,
+  D402Adapter,
   D402ErrorDecoder,
   D402RpcClient,
   D402TxReceipt,
diff --git a/src/server/cache.ts b/src/server/cache.ts
index f53fdea..ec58933 100644
--- a/src/server/cache.ts
+++ b/src/server/cache.ts
@@ -42,7 +42,7 @@ export function resolveLatestBlockCacheTtlMs(
 
   if (!Number.isInteger(cache) || cache <= 0) {
     throw new Error(
-      `paymentConfig.cache must be a positive integer, got ${cache}`,
+      `payment.cache must be a positive integer, got ${cache}`,
     );
   }
 
diff --git a/src/server/index.ts b/src/server/index.ts
index 05667d7..6122815 100644
--- a/src/server/index.ts
+++ b/src/server/index.ts
@@ -2,7 +2,6 @@ export { payable } from "./payable.js";
 export { refunder } from "./refunder.js";
 export { PaymentAuthorizer } from "./payment-authorizer.js";
 export { createDPaymentsObserver } from "./payment-verifier.js";
-export type { DPaymentsObserverOptions } from "./payment-verifier.js";
 export {
   decodeD402PaymentProof,
 } from "./payment-proof.js";
@@ -45,6 +44,7 @@ export type {
   AuthenticatedPayment,
   AuthenticatedPaymentContext,
   PaymentConfig,
+  PaymentOptions,
   PaymentIdentifier,
   PaymentAppealPeriod,
   PaymentAppealResult,
diff --git a/src/server/payment-actions.ts b/src/server/payment-actions.ts
index 3f54e89..db19163 100644
--- a/src/server/payment-actions.ts
+++ b/src/server/payment-actions.ts
@@ -1,6 +1,5 @@
 import type {
   D402PaymentActionResult,
-  D402TxSender,
   PaymentAddress,
 } from "../core/index.js";
 import { createPinnedDPayments } from "../runtime/dpayments.js";
@@ -24,37 +23,25 @@ import type {
   PaymentActions,
   PaymentConfig,
 } from "./types.js";
-import type { D402Logger } from "../runtime/logger.js";
-
-type ResolvedPaymentConfig = PaymentConfig & {
-  txSender: D402TxSender;
-  logger: D402Logger;
-};
-
 const ACTION_TRANSACTION_FAILURE_MESSAGE =
   "DPayments action transaction failed after broadcast or was not mined successfully.";
 
 export function paymentActions(config: PaymentConfig): PaymentActions {
-  if (config.txSender === undefined) {
+  if (config.adapter.txSender === undefined) {
     throw new Error(
-      "paymentConfig.txSender is required for payment actions so the adapter can broadcast, retry, and confirm settlement, refund, consumption, evidence, or appeal transactions.",
+      "adapter.txSender is required for payment actions so the adapter can broadcast, retry, and confirm settlement, refund, consumption, evidence, or appeal transactions.",
     );
   }
-  const actionConfig: ResolvedPaymentConfig = {
-    ...config,
-    txSender: config.txSender,
-    logger: config.logger ?? NoopLogger,
-  };
   const broadcastInQueue = createBroadcastQueue();
 
   return {
     settlePayment(payment) {
       return executePaymentOperation(
-        actionConfig,
+        config,
         "settle",
         payment,
         () => sendPaymentAction(
-          actionConfig,
+          config,
           payment,
           "settle",
           broadcastInQueue,
@@ -63,11 +50,11 @@ export function paymentActions(config: PaymentConfig): PaymentActions {
     },
     refundPayment(payment) {
       return executePaymentOperation(
-        actionConfig,
+        config,
         "refund",
         payment,
         () => sendPaymentAction(
-          actionConfig,
+          config,
           payment,
           "refund",
           broadcastInQueue,
@@ -76,11 +63,11 @@ export function paymentActions(config: PaymentConfig): PaymentActions {
     },
     consumePayment(payment) {
       return executePaymentOperation(
-        actionConfig,
+        config,
         "consume",
         payment,
         () => sendPaymentAction(
-          actionConfig,
+          config,
           payment,
           "consume",
           broadcastInQueue,
@@ -89,11 +76,11 @@ export function paymentActions(config: PaymentConfig): PaymentActions {
     },
     submitEvidence(payment, evidenceUri) {
       return executePaymentOperation(
-        actionConfig,
+        config,
         "submit-evidence",
         payment,
         () => sendEvidenceAction(
-          actionConfig,
+          config,
           payment,
           evidenceUri,
           broadcastInQueue,
@@ -102,11 +89,11 @@ export function paymentActions(config: PaymentConfig): PaymentActions {
     },
     appealPayment(payment) {
       return executePaymentOperation(
-        actionConfig,
+        config,
         "appeal",
         payment,
         () => sendAppealAction(
-          actionConfig,
+          config,
           payment,
           broadcastInQueue,
         ),
@@ -116,7 +103,7 @@ export function paymentActions(config: PaymentConfig): PaymentActions {
 }
 
 async function executePaymentOperation<Result>(
-  config: ResolvedPaymentConfig,
+  config: PaymentConfig,
   operation: D402PaymentOperation,
   paymentAddress: PaymentAddress,
   execute: () => Promise<Result>,
@@ -124,15 +111,16 @@ async function executePaymentOperation<Result>(
   try {
     return await execute();
   } catch (cause) {
+    const logger = config.payment.logger ?? NoopLogger;
     const error = normalizePaymentExecutionError({
       operation,
       paymentAddress,
-      codec: config.codec,
-      errorDecoder: config.errorDecoder,
-      logger: config.logger,
+      codec: config.adapter.codec,
+      errorDecoder: config.adapter.errorDecoder,
+      logger,
       cause,
     });
-    emitLog(config.logger, {
+    emitLog(logger, {
       level: "error",
       event: "payment.execution.failed",
       message: "Payment execution failed.",
@@ -154,13 +142,15 @@ async function executePaymentOperation<Result>(
 }
 
 async function sendPaymentAction(
-  config: ResolvedPaymentConfig,
+  config: PaymentConfig,
   paymentAddress: PaymentAddress,
   action: "settle" | "refund" | "consume",
   broadcastInQueue: BroadcastQueue,
 ): Promise<D402PaymentActionResult> {
-  const walletAddress = await config.txSender.getAddress();
-  emitLog(config.logger, {
+  const txSender = config.adapter.txSender!;
+  const logger = config.payment.logger ?? NoopLogger;
+  const walletAddress = await txSender.getAddress();
+  emitLog(logger, {
     level: "debug",
     event: "payment.action.started",
     message: "Payment action started.",
@@ -171,8 +161,8 @@ async function sendPaymentAction(
     },
   });
   const dpayments = await createPinnedDPayments({
-    rpcClient: config.rpcClient,
-    codec: config.codec,
+    rpcClient: config.adapter.rpcClient,
+    codec: config.adapter.codec,
     walletAddress,
   });
   const dPayment = dpayments.dPayment(paymentAddress);
@@ -183,16 +173,16 @@ async function sendPaymentAction(
       : dPayment.consume(walletAddress);
   const response = await broadcastInQueue(() =>
     broadcastPreparedTransaction({
-      txSender: config.txSender,
+      txSender,
       tx,
-      onEvent: config.onEvent,
+      onEvent: config.payment.onEvent,
     }),
   );
   const receipt = await waitForSuccessfulReceipt(
     response,
     ACTION_TRANSACTION_FAILURE_MESSAGE,
   );
-  emitLog(config.logger, {
+  emitLog(logger, {
     level: "info",
     event: "payment.action.confirmed",
     message: "Payment action confirmed.",
@@ -208,13 +198,15 @@ async function sendPaymentAction(
 }
 
 async function sendEvidenceAction(
-  config: ResolvedPaymentConfig,
+  config: PaymentConfig,
   paymentAddress: PaymentAddress,
   evidenceUri: string,
   broadcastInQueue: BroadcastQueue,
 ): Promise<D402PaymentActionResult> {
-  const walletAddress = await config.txSender.getAddress();
-  emitLog(config.logger, {
+  const txSender = config.adapter.txSender!;
+  const logger = config.payment.logger ?? NoopLogger;
+  const walletAddress = await txSender.getAddress();
+  emitLog(logger, {
     level: "debug",
     event: "payment.evidence.started",
     message: "Payment evidence submission started.",
@@ -224,24 +216,24 @@ async function sendEvidenceAction(
     },
   });
   const dpayments = await createPinnedDPayments({
-    rpcClient: config.rpcClient,
-    codec: config.codec,
+    rpcClient: config.adapter.rpcClient,
+    codec: config.adapter.codec,
     walletAddress,
   });
   const dPayment = dpayments.dPayment(paymentAddress);
   const tx = dPayment.submitEvidence(evidenceUri, walletAddress);
   const response = await broadcastInQueue(() =>
     broadcastPreparedTransaction({
-      txSender: config.txSender,
+      txSender,
       tx,
-      onEvent: config.onEvent,
+      onEvent: config.payment.onEvent,
     }),
   );
   const receipt = await waitForSuccessfulReceipt(
     response,
     ACTION_TRANSACTION_FAILURE_MESSAGE,
   );
-  emitLog(config.logger, {
+  emitLog(logger, {
     level: "info",
     event: "payment.evidence.confirmed",
     message: "Payment evidence submission confirmed.",
@@ -256,12 +248,14 @@ async function sendEvidenceAction(
 }
 
 async function sendAppealAction(
-  config: ResolvedPaymentConfig,
+  config: PaymentConfig,
   paymentAddress: PaymentAddress,
   broadcastInQueue: BroadcastQueue,
 ): Promise<PaymentAppealResult> {
-  const walletAddress = await config.txSender.getAddress();
-  emitLog(config.logger, {
+  const txSender = config.adapter.txSender!;
+  const logger = config.payment.logger ?? NoopLogger;
+  const walletAddress = await txSender.getAddress();
+  emitLog(logger, {
     level: "debug",
     event: "payment.appeal.started",
     message: "Payment appeal started.",
@@ -271,8 +265,8 @@ async function sendAppealAction(
     },
   });
   const dpayments = await createPinnedDPayments({
-    rpcClient: config.rpcClient,
-    codec: config.codec,
+    rpcClient: config.adapter.rpcClient,
+    codec: config.adapter.codec,
     walletAddress,
   });
   const dPayment = dpayments.dPayment(paymentAddress);
@@ -282,16 +276,16 @@ async function sendAppealAction(
   );
   const response = await broadcastInQueue(() =>
     broadcastPreparedTransaction({
-      txSender: config.txSender,
+      txSender,
       tx: prepared.tx,
-      onEvent: config.onEvent,
+      onEvent: config.payment.onEvent,
     }),
   );
   const receipt = await waitForSuccessfulReceipt(
     response,
     ACTION_TRANSACTION_FAILURE_MESSAGE,
   );
-  emitLog(config.logger, {
+  emitLog(logger, {
     level: "info",
     event: "payment.appeal.confirmed",
     message: "Payment appeal confirmed.",
diff --git a/src/server/payment-authorizer.ts b/src/server/payment-authorizer.ts
index f1317c7..fcdb534 100644
--- a/src/server/payment-authorizer.ts
+++ b/src/server/payment-authorizer.ts
@@ -53,9 +53,9 @@ export class PaymentAuthorizer<
 
   constructor(config: PaymentAuthorizationConfig<Req, Result>) {
     this.#config = config;
-    this.#logger = config.paymentConfig.logger ?? NoopLogger;
-    this.#authenticator = createDPaymentsAuthenticator(config.paymentConfig);
-    this.#observer = createDPaymentsObserver(config.paymentConfig);
+    this.#logger = config.payment.logger ?? NoopLogger;
+    this.#authenticator = createDPaymentsAuthenticator(config);
+    this.#observer = createDPaymentsObserver(config);
     this.#verificationPolicy = config.verificationPolicy
       ?? FundedOrSettledPayment;
     this.#consumer = config.consumer ?? (None as PaymentConsumer<Result>);
@@ -63,8 +63,8 @@ export class PaymentAuthorizer<
       ? undefined
       : refundsSchema.parse(config.refunds);
 
-    const cacheSetting = config.paymentConfig.cache
-      ?? (config.paymentConfig.settlementWindow !== undefined ? true : undefined);
+    const cacheSetting = config.payment.cache
+      ?? (config.payment.settlementWindow !== undefined ? true : undefined);
     const referenceCacheTtlMs = resolveLatestBlockCacheTtlMs(cacheSetting);
     this.#referenceCache = referenceCacheTtlMs === null
       ? null
@@ -96,14 +96,14 @@ export class PaymentAuthorizer<
         message: "Resolving settlement timing for a payment challenge.",
         context: {
           resource: terms.resource,
-          settlementWindow: this.#config.paymentConfig.settlementWindow,
+          settlementWindow: this.#config.payment.settlementWindow,
           cacheEnabled: this.#referenceCache !== null,
         },
       });
       let challengeSettlement;
       try {
         challengeSettlement = await resolveChallengeSettlementTerms(
-          this.#config.paymentConfig,
+          this.#config,
           terms,
           this.#referenceCache,
         );
@@ -148,8 +148,8 @@ export class PaymentAuthorizer<
       const paymentRequest = buildServerPaymentRequest({
         request,
         terms: challengeSettlement.terms,
-        ...(this.#config.paymentConfig.identifier !== undefined
-          ? { identifier: this.#config.paymentConfig.identifier }
+        ...(this.#config.payment.identifier !== undefined
+          ? { identifier: this.#config.payment.identifier }
           : {}),
       });
 
@@ -184,7 +184,7 @@ export class PaymentAuthorizer<
     }
 
     const settlement = resolveProofSettlementTerms(
-      this.#config.paymentConfig,
+      this.#config,
       terms,
       proof.settlementReference,
     );
@@ -200,8 +200,8 @@ export class PaymentAuthorizer<
     const paymentRequest = buildServerPaymentRequest({
       request,
       terms: settlement.terms,
-      ...(this.#config.paymentConfig.identifier !== undefined
-        ? { identifier: this.#config.paymentConfig.identifier }
+      ...(this.#config.payment.identifier !== undefined
+        ? { identifier: this.#config.payment.identifier }
         : {}),
     });
     const { dPaymentProof } = proof;
@@ -216,7 +216,7 @@ export class PaymentAuthorizer<
     let authenticatedSettlementReference: D402BlockReference | undefined;
     if (settlement.mode === "window" && settlement.settlementReference !== undefined) {
       const resolvedReference = await resolveSettlementReference(
-        this.#config.paymentConfig.rpcClient,
+        this.#config.adapter.rpcClient,
         this.#referenceCache,
         settlement.settlementReference,
       );
diff --git a/src/server/payment-request.ts b/src/server/payment-request.ts
index 9ba986b..6a86b88 100644
--- a/src/server/payment-request.ts
+++ b/src/server/payment-request.ts
@@ -2,7 +2,7 @@ import {
   D402_CANONICAL_SALT,
   D402_VERSION,
 } from "../core/constants.js";
-import { parsePaymentRequest } from "../core/payment-request.js";
+import { parsePaymentRequest } from "../core/index.js";
 import type { D402PaymentRequest } from "../core/types.js";
 import type {
   PaymentIdentifier,
@@ -82,7 +82,7 @@ function completeTermsFromRequest(
 
   if (settlementTimeUnixSec === undefined) {
     throw new Error(
-      "settlementTimeUnixSec must be provided by paymentConfig.settlementWindow, paymentConfig.settlementTimeUnixSec, or terms.settlementTimeUnixSec",
+      "settlementTimeUnixSec must be provided by payment.settlementWindow, payment.settlementTimeUnixSec, or terms.settlementTimeUnixSec",
     );
   }
 
@@ -112,7 +112,7 @@ function assertPayableTermsDoNotSelectSalt(
 ): void {
   if (Object.prototype.hasOwnProperty.call(terms, "paymentSalt")) {
     throw new Error(
-      "paymentSalt cannot be configured through payable terms; use paymentConfig.identifier",
+      "paymentSalt cannot be configured through payable terms; use payment.identifier",
     );
   }
-}
+}
\ No newline at end of file
diff --git a/src/server/payment-verifier.ts b/src/server/payment-verifier.ts
index bc76474..171d878 100644
--- a/src/server/payment-verifier.ts
+++ b/src/server/payment-verifier.ts
@@ -7,8 +7,6 @@ import {
 } from "@rakelabs/dpayments-sdk";
 import { requireAddress } from "@rakelabs/dpayments-sdk";
 import type {
-  AbiCodec,
-  MulticallConfig,
   PaymentCreatedEvent,
 } from "@rakelabs/dpayments-sdk";
 import {
@@ -29,6 +27,7 @@ import type {
   PaymentState as D402PaymentState,
   AuthenticatedPayment,
   AuthenticatedPaymentContext,
+  PaymentConfig,
   PaymentAuthenticator,
   PaymentFailure,
   PaymentObserver,
@@ -53,24 +52,15 @@ export function verifyPaymentSalt(
   return validatePaymentSalt(paymentRequest, dPaymentProof.paymentSalt);
 }
 
-export interface DPaymentsAuthenticatorOptions {
-  rpcClient: D402RpcClient;
-  codec: AbiCodec;
-  confirmations?: number;
-  settlementWindow?: number;
-  /** Trusted private-network or test-chain Multicall3 deployment. */
-  multicall?: MulticallConfig;
-}
-
 export function createDPaymentsAuthenticator(
-  options: DPaymentsAuthenticatorOptions,
+  config: PaymentConfig,
 ): PaymentAuthenticator {
-  const events = new PaymentEvents(options.codec);
-  const confirmations = options.confirmations ?? D402_DEFAULT_CONFIRMATIONS;
+  const events = new PaymentEvents(config.adapter.codec);
+  const confirmations = config.payment.confirmations ?? D402_DEFAULT_CONFIRMATIONS;
   let connectedChainId: Promise<number> | undefined;
 
   function getVerifierChainId(): Promise<number> {
-    connectedChainId ??= getConnectedChainId(options.rpcClient);
+    connectedChainId ??= getConnectedChainId(config.adapter.rpcClient);
     return connectedChainId;
   }
 
@@ -86,7 +76,7 @@ export function createDPaymentsAuthenticator(
     }
 
     const receiptResult = await readTransactionReceipt(
-      options.rpcClient,
+      config.adapter.rpcClient,
       proof.txHash,
     );
     if (!receiptResult.ok) return receiptResult;
@@ -95,7 +85,7 @@ export function createDPaymentsAuthenticator(
       paymentRequest,
       dPaymentProof: proof,
       receipt: receiptResult.receipt,
-      rpcClient: options.rpcClient,
+      rpcClient: config.adapter.rpcClient,
       events,
       confirmations,
     });
@@ -109,9 +99,9 @@ export function createDPaymentsAuthenticator(
         ? { settlementReference: input.settlementReference }
         : {}),
       receipt: createdEventResult.receipt,
-      rpcClient: options.rpcClient,
-      ...(options.settlementWindow !== undefined
-        ? { settlementWindow: options.settlementWindow }
+      rpcClient: config.adapter.rpcClient,
+      ...(config.payment.settlementWindow !== undefined
+        ? { settlementWindow: config.payment.settlementWindow }
         : {}),
     });
     if (!settlementResult.ok) return settlementResult;
@@ -129,25 +119,18 @@ export function createDPaymentsAuthenticator(
   };
 }
 
-export interface DPaymentsObserverOptions {
-  rpcClient: D402RpcClient;
-  codec: AbiCodec;
-  /** Trusted private-network or test-chain Multicall3 deployment. */
-  multicall?: MulticallConfig;
-}
-
 export function createDPaymentsObserver(
-  options: DPaymentsObserverOptions,
+  config: PaymentConfig,
 ): PaymentObserver {
   let reader: Promise<PaymentReader> | undefined;
   const inFlightPaymentStateReads = new Map<string, Promise<PaymentStateReadResult>>();
 
   function getReader(): Promise<PaymentReader> {
-    reader ??= getConnectedChainId(options.rpcClient).then((chainId) =>
+    reader ??= getConnectedChainId(config.adapter.rpcClient).then((chainId) =>
       new PaymentReader(
-        options.rpcClient,
-        options.codec,
-        options.multicall ?? getDPaymentsMulticallConfig(chainId),
+        config.adapter.rpcClient,
+        config.adapter.codec,
+        config.payment.multicall ?? getDPaymentsMulticallConfig(chainId),
       ),
     );
     return reader;
diff --git a/src/server/refunder.ts b/src/server/refunder.ts
index 370313c..7adb2f9 100644
--- a/src/server/refunder.ts
+++ b/src/server/refunder.ts
@@ -39,19 +39,17 @@ export function refunder<
   }
   refundsSchema.parse(routeConfig.refunds);
 
-  const txSender = routeConfig.paymentConfig.txSender;
+  const txSender = routeConfig.adapter.txSender;
   if (txSender === undefined) {
     throw new Error(
-      "paymentConfig.txSender is required for refunder so the payee can broadcast refunds.",
+      "adapter.txSender is required for refunder so the payee can broadcast refunds.",
     );
   }
 
   const signerAddress = txSender.getAddress();
-  const authenticator = createDPaymentsAuthenticator(
-    routeConfig.paymentConfig,
-  );
-  const observer = createDPaymentsObserver(routeConfig.paymentConfig);
-  const actions = paymentActions(routeConfig.paymentConfig);
+  const authenticator = createDPaymentsAuthenticator(routeConfig);
+  const observer = createDPaymentsObserver(routeConfig);
+  const actions = paymentActions(routeConfig);
 
   return async function handleRefundRequest(request: Req): Promise<Response> {
     const parsed = await parseRefundRequest(request);
diff --git a/src/server/settlement.ts b/src/server/settlement.ts
index afe8c54..257c898 100644
--- a/src/server/settlement.ts
+++ b/src/server/settlement.ts
@@ -1,19 +1,14 @@
 import type {
   D402BlockReference,
   D402PaymentRequest,
-  D402RpcClient,
 } from "../core/index.js";
-import type { PayableTerms, ResolvedPayableTerms } from "./types.js";
+import type {
+  PayableTerms,
+  PaymentConfig,
+  ResolvedPayableTerms,
+} from "./types.js";
 import type { BlockReferenceCache } from "./cache.js";
 import { readBlockReference } from "./block-reference.js";
-import type { D402Logger } from "../runtime/logger.js";
-
-export interface SettlementConfig {
-  rpcClient: D402RpcClient;
-  settlementWindow?: number;
-  settlementTimeUnixSec?: number;
-  logger?: D402Logger;
-}
 
 export class SettlementTimingConfigurationError extends Error {
   constructor(message: string) {
@@ -27,22 +22,22 @@ export type ResolvedSettlementTerms = ResolvedPayableTerms & {
 };
 
 export async function resolveChallengeSettlementTerms(
-  paymentConfig: SettlementConfig,
+  config: PaymentConfig,
   terms: ResolvedPayableTerms,
   referenceCache: BlockReferenceCache | null,
 ): Promise<{
   terms: ResolvedSettlementTerms;
   settlementReference?: D402BlockReference;
 }> {
-  validateSettlementTimingConfiguration(paymentConfig, terms);
+  validateSettlementTimingConfiguration(config, terms);
 
-  if (paymentConfig.settlementWindow !== undefined) {
+  if (config.payment.settlementWindow !== undefined) {
     const lookup = referenceCache
-      ? await referenceCache.getLatest(paymentConfig.rpcClient)
+      ? await referenceCache.getLatest(config.adapter.rpcClient)
       : await readBlockReference(
-        paymentConfig.rpcClient,
+        config.adapter.rpcClient,
         "latest",
-        paymentConfig.logger,
+        config.payment.logger,
       );
     if (!lookup.ok) {
       throw lookup.cause instanceof Error
@@ -52,12 +47,12 @@ export async function resolveChallengeSettlementTerms(
 
     const resolvedTerms = withSettlementTime(
       terms,
-      addWindow(lookup.reference.blockTimestampUnixSec, paymentConfig.settlementWindow),
+      addWindow(lookup.reference.blockTimestampUnixSec, config.payment.settlementWindow),
     );
     return { terms: resolvedTerms, settlementReference: lookup.reference };
   }
 
-  return { terms: withSettlementTime(terms, fixedSettlementTime(paymentConfig, terms)) };
+  return { terms: withSettlementTime(terms, fixedSettlementTime(config, terms)) };
 }
 
 
@@ -71,13 +66,13 @@ export type ProofSettlementResult =
   | { ok: false; reason: "missing-settlement-reference" };
 
 export function resolveProofSettlementTerms(
-  paymentConfig: SettlementConfig,
+  config: PaymentConfig,
   terms: ResolvedPayableTerms,
   suppliedReference?: D402BlockReference,
 ): ProofSettlementResult {
-  validateSettlementTimingConfiguration(paymentConfig, terms);
+  validateSettlementTimingConfiguration(config, terms);
 
-  if (paymentConfig.settlementWindow !== undefined) {
+  if (config.payment.settlementWindow !== undefined) {
     if (suppliedReference === undefined) {
       return { ok: false, reason: "missing-settlement-reference" };
     }
@@ -86,7 +81,7 @@ export function resolveProofSettlementTerms(
       mode: "window",
       terms: withSettlementTime(
         terms,
-        addWindow(suppliedReference.blockTimestampUnixSec, paymentConfig.settlementWindow),
+        addWindow(suppliedReference.blockTimestampUnixSec, config.payment.settlementWindow),
       ),
       settlementReference: suppliedReference,
     };
@@ -95,20 +90,20 @@ export function resolveProofSettlementTerms(
   return {
     ok: true,
     mode: "fixed",
-    terms: withSettlementTime(terms, fixedSettlementTime(paymentConfig, terms)),
+    terms: withSettlementTime(terms, fixedSettlementTime(config, terms)),
   };
 }
 
 function fixedSettlementTime(
-  config: SettlementConfig,
+  config: PaymentConfig,
   terms: ResolvedPayableTerms,
 ): D402PaymentRequest["settlementTimeUnixSec"] {
-  if (config.settlementTimeUnixSec !== undefined) return String(config.settlementTimeUnixSec) as `${bigint}`;
+  if (config.payment.settlementTimeUnixSec !== undefined) return String(config.payment.settlementTimeUnixSec) as `${bigint}`;
   const termTime = (terms as Partial<Pick<PayableTerms, "settlementTimeUnixSec">>)
     .settlementTimeUnixSec;
   if (termTime !== undefined) return termTime;
   throw new SettlementTimingConfigurationError(
-    "settlementTimeUnixSec must be provided by paymentConfig.settlementWindow, paymentConfig.settlementTimeUnixSec, or terms.settlementTimeUnixSec",
+    "settlementTimeUnixSec must be provided by payment.settlementWindow, payment.settlementTimeUnixSec, or terms.settlementTimeUnixSec",
   );
 }
 
@@ -124,29 +119,29 @@ function addWindow(timestamp: string, window: number): D402PaymentRequest["settl
 }
 
 export function validateSettlementTimingConfiguration(
-  config: SettlementConfig,
+  config: PaymentConfig,
   terms: PayableTerms,
 ): void {
   const termTime = (terms as Partial<Pick<PayableTerms, "settlementTimeUnixSec">>)
     .settlementTimeUnixSec;
-  if (config.settlementWindow !== undefined && config.settlementTimeUnixSec !== undefined) {
+  if (config.payment.settlementWindow !== undefined && config.payment.settlementTimeUnixSec !== undefined) {
     throw new SettlementTimingConfigurationError(
-      "paymentConfig.settlementWindow and paymentConfig.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
+      "payment.settlementWindow and payment.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
     );
   }
-  if (config.settlementWindow !== undefined && termTime !== undefined) {
+  if (config.payment.settlementWindow !== undefined && termTime !== undefined) {
     throw new SettlementTimingConfigurationError(
-      "paymentConfig.settlementWindow and terms.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
+      "payment.settlementWindow and terms.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
     );
   }
-  if (config.settlementTimeUnixSec !== undefined && termTime !== undefined) {
+  if (config.payment.settlementTimeUnixSec !== undefined && termTime !== undefined) {
     throw new SettlementTimingConfigurationError(
-      "paymentConfig.settlementTimeUnixSec and terms.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
+      "payment.settlementTimeUnixSec and terms.settlementTimeUnixSec cannot both be set; choose one source of settlement timing",
     );
   }
-  if (config.settlementWindow !== undefined && (!Number.isInteger(config.settlementWindow) || config.settlementWindow < 0)) {
+  if (config.payment.settlementWindow !== undefined && (!Number.isInteger(config.payment.settlementWindow) || config.payment.settlementWindow < 0)) {
     throw new SettlementTimingConfigurationError(
-      "paymentConfig.settlementWindow must be a non-negative integer",
+      "payment.settlementWindow must be a non-negative integer",
     );
   }
 }
diff --git a/src/server/types.ts b/src/server/types.ts
index 8953a51..c460923 100644
--- a/src/server/types.ts
+++ b/src/server/types.ts
@@ -1,6 +1,6 @@
 import type {
   Address,
-  D402ErrorDecoder,
+  D402Adapter,
   D402PaymentActionResult,
   D402PaymentChallenge,
   D402RefundRoute,
@@ -8,12 +8,9 @@ import type {
   D402BlockReference,
   D402EventHandler,
   D402PaymentRequest,
-  D402RpcClient,
-  D402TxSender,
   Hex32,
   PaymentAddress,
 } from "../core/index.js";
-import type { AbiCodec } from "@rakelabs/dpayments-sdk";
 import type { MulticallConfig } from "@rakelabs/dpayments-sdk";
 import type { D402Logger } from "../runtime/logger.js";
 import type { PaymentConsumer } from "./payment-consumer.js";
@@ -47,11 +44,7 @@ export type PaymentIdentifier =
   | "server"
   | "client";
 
-export interface PaymentConfig {
-  rpcClient: D402RpcClient;
-  codec: AbiCodec;
-  errorDecoder?: D402ErrorDecoder;
-  txSender?: D402TxSender;
+export interface PaymentOptions {
   confirmations?: number;
   settlementWindow?: number;
   settlementTimeUnixSec?: number;
@@ -63,6 +56,11 @@ export interface PaymentConfig {
   multicall?: MulticallConfig;
 }
 
+export interface PaymentConfig {
+  adapter: D402Adapter;
+  payment: PaymentOptions;
+}
+
 export type PayableTerms<
   Req extends Request = Request,
 > = Pick<
@@ -272,8 +270,7 @@ export interface PayableRouteConfig<
   Req extends Request = Request,
   Result = void,
   Res = Response,
-> {
-  paymentConfig: PaymentConfig;
+> extends PaymentConfig {
   terms: PayableTermsResolver<Req>;
   handler: PayableHandler<Req, Result, Res>;
   verificationPolicy?: VerificationPolicy;