Function payment_render_state 

pub fn payment_render_state(
    adapter: &dyn DatabaseOperations,
    config: &DbBackendConfig,
    schema: &AppSchema,
    declaration: &Value,
    owner_route_value: Option<&str>,
    provider_id: &str,
) -> Result<Value, DatabaseError>

Reads only the owner and payment records needed to render provider settings. The caller supplies an app-owned owner declaration; no backend or app id is selected here. Secret ciphertext is replaced with a presence marker before the returned view leaves this module.