diff --git a/ddl/25-payment-terminals.sql b/ddl/25-payment-terminals.sql
new file mode 100644
index 0000000..f1ca27f
--- /dev/null
+++ b/ddl/25-payment-terminals.sql
@@ -0,0 +1,442 @@
+-- =============================================================
+-- ARCHIVO: 25-payment-terminals.sql
+-- DESCRIPCION: Terminales de pago TPV (MercadoPago, Clip)
+-- VERSION: 1.0.0
+-- PROYECTO: ERP-Core V2
+-- FECHA: 2026-01-25
+-- =============================================================
+-- Basado en: michangarrito INT-004 (MercadoPago) e INT-005 (Clip)
+-- =============================================================
+
+-- =====================
+-- SCHEMA: payment_terminals
+-- =====================
+CREATE SCHEMA IF NOT EXISTS payment_terminals;
+
+-- =====================
+-- ENUMS
+-- =====================
+DO $$
+BEGIN
+    IF NOT EXISTS (SELECT 1 FROM pg_type WHERE typname = 'terminal_provider') THEN
+        CREATE TYPE payment_terminals.terminal_provider AS ENUM (
+            'mercadopago',
+            'clip',
+            'stripe_terminal'
+        );
+    END IF;
+END$$;
+
+DO $$
+BEGIN
+    IF NOT EXISTS (SELECT 1 FROM pg_type WHERE typname = 'terminal_payment_status') THEN
+        CREATE TYPE payment_terminals.terminal_payment_status AS ENUM (
+            'pending',
+            'processing',
+            'approved',
+            'authorized',
+            'in_process',
+            'rejected',
+            'refunded',
+            'partially_refunded',
+            'cancelled',
+            'charged_back'
+        );
+    END IF;
+END$$;
+
+DO $$
+BEGIN
+    IF NOT EXISTS (SELECT 1 FROM pg_type WHERE typname = 'payment_method_type') THEN
+        CREATE TYPE payment_terminals.payment_method_type AS ENUM (
+            'card',
+            'qr',
+            'link',
+            'cash',
+            'bank_transfer'
+        );
+    END IF;
+END$$;
+
+-- =====================
+-- TABLA: tenant_terminal_configs
+-- Credenciales de proveedores por tenant (no por branch)
+-- =====================
+CREATE TABLE IF NOT EXISTS payment_terminals.tenant_terminal_configs (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    tenant_id UUID NOT NULL REFERENCES auth.tenants(id) ON DELETE CASCADE,
+
+    -- Proveedor
+    provider payment_terminals.terminal_provider NOT NULL,
+    name VARCHAR(100) NOT NULL,
+
+    -- Credenciales (encriptadas AES-256)
+    credentials JSONB NOT NULL DEFAULT '{}',
+    -- MercadoPago: { access_token, public_key, collector_id }
+    -- Clip: { api_key, secret_key, merchant_id }
+
+    -- Configuración específica del proveedor
+    config JSONB DEFAULT '{}',
+    -- MercadoPago: { statement_descriptor, notification_url }
+    -- Clip: { default_currency, webhook_secret }
+
+    -- Estado
+    is_active BOOLEAN DEFAULT true,
+    is_verified BOOLEAN DEFAULT false,
+    verification_error TEXT,
+    verified_at TIMESTAMPTZ,
+
+    -- Límites
+    daily_limit DECIMAL(12,2),
+    monthly_limit DECIMAL(12,2),
+    transaction_limit DECIMAL(12,2),
+
+    -- Webhook
+    webhook_url VARCHAR(500),
+    webhook_secret VARCHAR(255),
+
+    -- Metadata
+    metadata JSONB DEFAULT '{}',
+
+    created_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    created_by UUID REFERENCES auth.users(id),
+
+    UNIQUE(tenant_id, provider, name)
+);
+
+-- =====================
+-- TABLA: terminal_payments
+-- Transacciones procesadas por terminales TPV
+-- =====================
+CREATE TABLE IF NOT EXISTS payment_terminals.terminal_payments (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    tenant_id UUID NOT NULL REFERENCES auth.tenants(id) ON DELETE CASCADE,
+
+    -- Configuración usada
+    config_id UUID REFERENCES payment_terminals.tenant_terminal_configs(id),
+    branch_terminal_id UUID REFERENCES core.branch_payment_terminals(id),
+
+    -- Proveedor y referencia externa
+    provider payment_terminals.terminal_provider NOT NULL,
+    external_id VARCHAR(255),
+    external_status VARCHAR(50),
+
+    -- Monto
+    amount DECIMAL(12,2) NOT NULL,
+    currency VARCHAR(3) DEFAULT 'MXN',
+
+    -- Estado
+    status payment_terminals.terminal_payment_status DEFAULT 'pending',
+
+    -- Método de pago
+    payment_method payment_terminals.payment_method_type DEFAULT 'card',
+
+    -- Datos de tarjeta (parciales, no sensibles)
+    card_last_four VARCHAR(4),
+    card_brand VARCHAR(20),
+    card_type VARCHAR(20), -- credit, debit, prepaid
+
+    -- Cliente
+    customer_email VARCHAR(255),
+    customer_phone VARCHAR(20),
+    customer_name VARCHAR(200),
+
+    -- Descripción
+    description TEXT,
+    statement_descriptor VARCHAR(50),
+
+    -- Referencia interna (orden, venta, etc.)
+    reference_type VARCHAR(50), -- sale, order, invoice
+    reference_id UUID,
+
+    -- Comisiones
+    fee_amount DECIMAL(10,4),
+    fee_details JSONB,
+    net_amount DECIMAL(12,2),
+
+    -- Reembolso
+    refunded_amount DECIMAL(12,2) DEFAULT 0,
+    refund_reason TEXT,
+
+    -- Respuesta del proveedor
+    provider_response JSONB,
+
+    -- Error
+    error_code VARCHAR(50),
+    error_message TEXT,
+
+    -- Timestamps
+    processed_at TIMESTAMPTZ,
+    refunded_at TIMESTAMPTZ,
+
+    -- Metadata
+    metadata JSONB DEFAULT '{}',
+
+    created_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    created_by UUID REFERENCES auth.users(id)
+);
+
+-- =====================
+-- TABLA: terminal_webhook_events
+-- Eventos de webhook recibidos
+-- =====================
+CREATE TABLE IF NOT EXISTS payment_terminals.terminal_webhook_events (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    tenant_id UUID NOT NULL REFERENCES auth.tenants(id),
+
+    -- Proveedor y evento
+    provider payment_terminals.terminal_provider NOT NULL,
+    event_type VARCHAR(100) NOT NULL,
+    event_id VARCHAR(255), -- ID del evento en el proveedor
+
+    -- Referencia
+    payment_id UUID REFERENCES payment_terminals.terminal_payments(id),
+    external_id VARCHAR(255),
+
+    -- Payload completo
+    payload JSONB NOT NULL,
+    headers JSONB,
+
+    -- Validación de firma
+    signature_valid BOOLEAN,
+
+    -- Procesamiento
+    processed BOOLEAN DEFAULT false,
+    processed_at TIMESTAMPTZ,
+    processing_error TEXT,
+    retry_count INTEGER DEFAULT 0,
+
+    -- Idempotencia
+    idempotency_key VARCHAR(255),
+
+    created_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+
+    UNIQUE(provider, event_id)
+);
+
+-- =====================
+-- TABLA: terminal_retry_queue
+-- Cola de reintentos para operaciones fallidas
+-- =====================
+CREATE TABLE IF NOT EXISTS payment_terminals.terminal_retry_queue (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    tenant_id UUID NOT NULL REFERENCES auth.tenants(id),
+
+    -- Referencia
+    payment_id UUID REFERENCES payment_terminals.terminal_payments(id),
+    provider payment_terminals.terminal_provider NOT NULL,
+
+    -- Operación
+    operation VARCHAR(50) NOT NULL, -- create_payment, refund, check_status
+    payload JSONB NOT NULL,
+
+    -- Reintentos
+    attempts INTEGER DEFAULT 0,
+    max_attempts INTEGER DEFAULT 5,
+    next_retry_at TIMESTAMPTZ,
+
+    -- Error
+    last_error TEXT,
+    last_error_code VARCHAR(50),
+
+    -- Estado
+    status VARCHAR(20) DEFAULT 'pending', -- pending, processing, completed, failed
+    completed_at TIMESTAMPTZ,
+
+    created_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP
+);
+
+-- =====================
+-- TABLA: terminal_payment_links
+-- Links de pago generados
+-- =====================
+CREATE TABLE IF NOT EXISTS payment_terminals.terminal_payment_links (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    tenant_id UUID NOT NULL REFERENCES auth.tenants(id) ON DELETE CASCADE,
+    config_id UUID REFERENCES payment_terminals.tenant_terminal_configs(id),
+
+    -- Proveedor y referencia
+    provider payment_terminals.terminal_provider NOT NULL,
+    external_id VARCHAR(255),
+
+    -- URL del link
+    url VARCHAR(1000) NOT NULL,
+    short_url VARCHAR(500),
+
+    -- Monto
+    amount DECIMAL(12,2) NOT NULL,
+    currency VARCHAR(3) DEFAULT 'MXN',
+
+    -- Descripción
+    title VARCHAR(200),
+    description TEXT,
+
+    -- Estado
+    status VARCHAR(30) DEFAULT 'active', -- active, paid, expired, cancelled
+
+    -- Pago asociado (cuando se paga)
+    payment_id UUID REFERENCES payment_terminals.terminal_payments(id),
+
+    -- Expiración
+    expires_at TIMESTAMPTZ,
+
+    -- Referencia interna
+    reference_type VARCHAR(50),
+    reference_id UUID,
+
+    -- Metadata
+    metadata JSONB DEFAULT '{}',
+
+    created_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMPTZ DEFAULT CURRENT_TIMESTAMP,
+    created_by UUID REFERENCES auth.users(id)
+);
+
+-- =====================
+-- INDICES
+-- =====================
+
+-- tenant_terminal_configs
+CREATE INDEX IF NOT EXISTS idx_terminal_configs_tenant
+    ON payment_terminals.tenant_terminal_configs(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_terminal_configs_provider
+    ON payment_terminals.tenant_terminal_configs(provider);
+CREATE INDEX IF NOT EXISTS idx_terminal_configs_active
+    ON payment_terminals.tenant_terminal_configs(is_active) WHERE is_active = true;
+
+-- terminal_payments
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_tenant
+    ON payment_terminals.terminal_payments(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_provider
+    ON payment_terminals.terminal_payments(provider);
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_status
+    ON payment_terminals.terminal_payments(status);
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_external
+    ON payment_terminals.terminal_payments(external_id);
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_reference
+    ON payment_terminals.terminal_payments(reference_type, reference_id);
+CREATE INDEX IF NOT EXISTS idx_terminal_payments_created
+    ON payment_terminals.terminal_payments(created_at DESC);
+
+-- terminal_webhook_events
+CREATE INDEX IF NOT EXISTS idx_webhook_events_tenant
+    ON payment_terminals.terminal_webhook_events(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_webhook_events_provider
+    ON payment_terminals.terminal_webhook_events(provider);
+CREATE INDEX IF NOT EXISTS idx_webhook_events_processed
+    ON payment_terminals.terminal_webhook_events(processed, created_at)
+    WHERE processed = false;
+CREATE INDEX IF NOT EXISTS idx_webhook_events_idempotency
+    ON payment_terminals.terminal_webhook_events(idempotency_key);
+
+-- terminal_retry_queue
+CREATE INDEX IF NOT EXISTS idx_retry_queue_next
+    ON payment_terminals.terminal_retry_queue(next_retry_at)
+    WHERE status = 'pending';
+CREATE INDEX IF NOT EXISTS idx_retry_queue_tenant
+    ON payment_terminals.terminal_retry_queue(tenant_id);
+
+-- terminal_payment_links
+CREATE INDEX IF NOT EXISTS idx_payment_links_tenant
+    ON payment_terminals.terminal_payment_links(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_payment_links_status
+    ON payment_terminals.terminal_payment_links(status);
+CREATE INDEX IF NOT EXISTS idx_payment_links_expires
+    ON payment_terminals.terminal_payment_links(expires_at)
+    WHERE status = 'active';
+
+-- =====================
+-- RLS POLICIES
+-- =====================
+
+ALTER TABLE payment_terminals.tenant_terminal_configs ENABLE ROW LEVEL SECURITY;
+ALTER TABLE payment_terminals.terminal_payments ENABLE ROW LEVEL SECURITY;
+ALTER TABLE payment_terminals.terminal_webhook_events ENABLE ROW LEVEL SECURITY;
+ALTER TABLE payment_terminals.terminal_retry_queue ENABLE ROW LEVEL SECURITY;
+ALTER TABLE payment_terminals.terminal_payment_links ENABLE ROW LEVEL SECURITY;
+
+-- Políticas de aislamiento por tenant
+CREATE POLICY tenant_configs_isolation ON payment_terminals.tenant_terminal_configs
+    USING (tenant_id = current_setting('app.current_tenant', true)::UUID);
+
+CREATE POLICY terminal_payments_isolation ON payment_terminals.terminal_payments
+    USING (tenant_id = current_setting('app.current_tenant', true)::UUID);
+
+CREATE POLICY webhook_events_isolation ON payment_terminals.terminal_webhook_events
+    USING (tenant_id = current_setting('app.current_tenant', true)::UUID);
+
+CREATE POLICY retry_queue_isolation ON payment_terminals.terminal_retry_queue
+    USING (tenant_id = current_setting('app.current_tenant', true)::UUID);
+
+CREATE POLICY payment_links_isolation ON payment_terminals.terminal_payment_links
+    USING (tenant_id = current_setting('app.current_tenant', true)::UUID);
+
+-- =====================
+-- FUNCIONES
+-- =====================
+
+-- Función para calcular siguiente retry con backoff exponencial
+CREATE OR REPLACE FUNCTION payment_terminals.calculate_next_retry(
+    p_attempts INTEGER,
+    p_base_delay_seconds INTEGER DEFAULT 60
+) RETURNS TIMESTAMPTZ AS $$
+BEGIN
+    -- Backoff exponencial: base * 2^attempts
+    -- Ejemplo con base 60s: 60s, 120s, 240s, 480s, 960s
+    RETURN NOW() + (p_base_delay_seconds * POWER(2, p_attempts)) * INTERVAL '1 second';
+END;
+$$ LANGUAGE plpgsql;
+
+-- Función para marcar pagos expirados
+CREATE OR REPLACE FUNCTION payment_terminals.expire_old_pending_payments()
+RETURNS INTEGER AS $$
+DECLARE
+    affected_rows INTEGER;
+BEGIN
+    UPDATE payment_terminals.terminal_payments
+    SET status = 'cancelled',
+        updated_at = NOW(),
+        error_message = 'Payment expired'
+    WHERE status = 'pending'
+      AND created_at < NOW() - INTERVAL '24 hours';
+
+    GET DIAGNOSTICS affected_rows = ROW_COUNT;
+    RETURN affected_rows;
+END;
+$$ LANGUAGE plpgsql;
+
+-- Función para expirar links de pago
+CREATE OR REPLACE FUNCTION payment_terminals.expire_payment_links()
+RETURNS INTEGER AS $$
+DECLARE
+    affected_rows INTEGER;
+BEGIN
+    UPDATE payment_terminals.terminal_payment_links
+    SET status = 'expired',
+        updated_at = NOW()
+    WHERE status = 'active'
+      AND expires_at IS NOT NULL
+      AND expires_at < NOW();
+
+    GET DIAGNOSTICS affected_rows = ROW_COUNT;
+    RETURN affected_rows;
+END;
+$$ LANGUAGE plpgsql;
+
+-- =====================
+-- COMENTARIOS
+-- =====================
+
+COMMENT ON SCHEMA payment_terminals IS 'Terminales de pago TPV (MercadoPago, Clip, Stripe Terminal)';
+COMMENT ON TABLE payment_terminals.tenant_terminal_configs IS 'Configuración de credenciales de proveedores TPV por tenant';
+COMMENT ON TABLE payment_terminals.terminal_payments IS 'Transacciones procesadas por terminales TPV';
+COMMENT ON TABLE payment_terminals.terminal_webhook_events IS 'Eventos de webhook recibidos de proveedores TPV';
+COMMENT ON TABLE payment_terminals.terminal_retry_queue IS 'Cola de reintentos para operaciones fallidas';
+COMMENT ON TABLE payment_terminals.terminal_payment_links IS 'Links de pago generados';
+
+-- =============================================================
+-- FIN DEL ARCHIVO
+-- =============================================================