Returns the LIVE handles of the named payer ordered by lastUsedAt — descending by default, ascending with sort=asc — capped at 100. The cap is applied AFTER the order, so sort decides which end of an oversized bucket a merchant reaches. Revoked handles are never listed, so TERMINATED appears only for a handle whose card was killed (statusReason=INSTRUMENT_DEAD). The payer must be named with exactly one of payerId or merchantPayerReference. The optional filters are repeatable and are AND-combined; an empty scope answers 200 with an empty list, never 404. Route availability is NOT applied: a handle whose payment route fell away is still listed and still deletable.