diff --git a/src/api/config.js b/src/api/config.js
index 3790bf2..1cab407 100644
--- a/src/api/config.js
+++ b/src/api/config.js
@@ -75,8 +75,12 @@ export const ACTIONS = {
   'zk-state-referred':  [{ uid: 'zk-act-uw-prepare',    label: 'Prepare Referral',            by: 'Referral AI' },
                          { uid: 'zk-act-uw-clear',      label: 'Clear Referral',              by: 'Underwriter' },
                          { uid: 'zk-act-uw-decline',    label: 'Decline Referral',            by: 'Underwriter' }],
-  'zk-state-cleared':   [{ uid: 'zk-act-payment',       label: 'Issue Payment Link',          by: 'Ops' }],
-  'zk-state-payment':   [{ uid: 'zk-act-realise',       label: 'Confirm Premium Realisation', by: 'Payment webhook' }],
+  'zk-state-cleared':   [{ uid: 'zk-act-payment',       label: 'Request Premium',             by: 'Ops' }],
+  // 'Payment webhook' was aspirational — there is no payment integration on the
+  // platform and none is planned here. Collection happens on the insurer's own
+  // rails; ops records the reference. See 35_reframe_to_what_exists.sql.
+  'zk-state-payment':   [{ uid: 'zk-act-realise',       label: 'Confirm Premium Realisation', by: 'Ops' },
+                         { uid: 'zk-act-nudge',         label: 'Log Payment Nudge',           by: 'Engage' }],
   'zk-state-issued':    [{ uid: 'zk-act-onboard',       label: 'Complete Onboarding',         by: 'Ops' }],
 }