@dainamite/billing 0.20.0 → 0.21.0

package/src/modules/billing/backend/config/billing/page.tsx

@@ -0,0 +1,549 @@
+"use client"
+import * as React from 'react'
+import { useT } from '@open-mercato/shared/lib/i18n/context'
+import { Page, PageBody, PageHeader } from '@open-mercato/ui/backend/Page'
+import { Button } from '@open-mercato/ui/primitives/button'
+import { Input } from '@open-mercato/ui/primitives/input'
+import { Textarea } from '@open-mercato/ui/primitives/textarea'
+import { Switch } from '@open-mercato/ui/primitives/switch'
+import { Tag } from '@open-mercato/ui/primitives/tag'
+import { RadioGroup } from '@open-mercato/ui/primitives/radio'
+import { RadioField } from '@open-mercato/ui/primitives/radio-field'
+import { KbdShortcut } from '@open-mercato/ui/primitives/kbd'
+import { LoadingMessage, ErrorMessage } from '@open-mercato/ui/backend/detail'
+import { flash } from '@open-mercato/ui/backend/FlashMessages'
+import { apiCall, apiCallOrThrow, readApiResultOrThrow } from '@open-mercato/ui/backend/utils/apiCall'
+import { normalizeCrudServerError } from '@open-mercato/ui/backend/utils/serverErrors'
+import { DOCUMENT_SERIES, type DocumentSeries } from '../../../lib/numbering'
+
+/**
+ * Billing settings (Spec 0) — per organization:
+ *   - document number masks per series, with a live example of the next
+ *     number and the counter scope (never / yearly / monthly reset);
+ *   - prepaid defaults (moved from core `configs`);
+ *   - read-only: whether online top-ups are available (optional gateway);
+ *   - Spec B: seller block, payment instructions (bank / IBAN / BIC),
+ *     default payment terms and VAT rate, invoice footer and logo. Posting
+ *     is blocked until legal name, address, tax id and IBAN are filled — the
+ *     page shows what is missing.
+ */
+
+type Settings = {
+  id: string
+  lowBalanceThresholdDefault: number
+  nearLimitBufferDefault: number
+  statementEnabled: boolean
+  topupTaxRate: number
+  prepaidTaxPoint: 'topup' | 'consumption'
+  topupProvider: string
+  numberMasks: Record<DocumentSeries, string>
+  legalName: string
+  sellerAddress: SellerAddress | null
+  taxId: string
+  bankName: string
+  iban: string
+  bic: string
+  invoiceFooter: string
+  logoAttachmentId: string | null
+  defaultPaymentTermsDays: number
+  defaultTaxRate: number
+}
+
+type SellerAddress = { line1: string; line2?: string; city: string; postal_code: string; country: string }
+
+const EMPTY_ADDRESS: SellerAddress = { line1: '', line2: '', city: '', postal_code: '', country: 'PL' }
+
+type SettingsResponse = {
+  settings: Settings
+  capabilities: { gatewayTopups: boolean }
+  completeness?: { ready: boolean; missing: string[] }
+}
+
+/** Address is sent only when the required parts are filled; all blank clears it. */
+function addressPayload(address: SellerAddress | null): SellerAddress | null | undefined {
+  if (!address) return null
+  const trimmed = {
+    line1: address.line1.trim(),
+    line2: (address.line2 ?? '').trim(),
+    city: address.city.trim(),
+    postal_code: address.postal_code.trim(),
+    country: address.country.trim().toUpperCase(),
+  }
+  if (!trimmed.line1 && !trimmed.city && !trimmed.postal_code) return null
+  const { line2, ...rest } = trimmed
+  return line2 ? { ...rest, line2 } : rest
+}
+
+const ATTACHMENT_ENTITY_ID = 'billing:billing_settings'
+
+type Preview = { valid: boolean; errors: string[]; example?: string; scopeKey?: string }
+
+function useMaskPreview(mask: string): Preview | null {
+  const [preview, setPreview] = React.useState<Preview | null>(null)
+  React.useEffect(() => {
+    let cancelled = false
+    const handle = setTimeout(() => {
+      void apiCall<Preview>(`/api/billing/settings/number-preview?mask=${encodeURIComponent(mask)}`).then((call) => {
+        if (!cancelled) setPreview(call.ok ? call.result ?? null : null)
+      })
+    }, 250)
+    return () => {
+      cancelled = true
+      clearTimeout(handle)
+    }
+  }, [mask])
+  return preview
+}
+
+function MaskField({
+  series,
+  value,
+  initial,
+  onChange,
+}: {
+  series: DocumentSeries
+  value: string
+  initial: string
+  onChange: (next: string) => void
+}) {
+  const t = useT()
+  const preview = useMaskPreview(value)
+  const seriesLabel: Record<DocumentSeries, string> = {
+    invoice: t('billing.settings.series.invoice', 'Invoices and debit memos'),
+    credit_memo: t('billing.settings.series.credit_memo', 'Credit memos'),
+    receipt: t('billing.settings.series.receipt', 'Top-up receipts'),
+  }
+  const scopeLabel = (scopeKey: string | undefined) =>
+    !scopeKey
+      ? t('billing.settings.mask.scope.none', 'Counter never resets')
+      : scopeKey.length === 4
+        ? t('billing.settings.mask.scope.year', 'Counter resets every year')
+        : t('billing.settings.mask.scope.month', 'Counter resets every month')
+  return (
+    <label className="flex flex-col gap-1 text-sm">
+      <span className="text-muted-foreground">{seriesLabel[series]}</span>
+      <Input value={value} maxLength={64} onChange={(event) => onChange(event.currentTarget.value)} />
+      {preview?.valid ? (
+        <span className="text-xs text-muted-foreground">
+          {t('billing.settings.mask.example', 'Next number looks like')} <span className="font-mono">{preview.example}</span>
+          {' · '}
+          {scopeLabel(preview.scopeKey)}
+        </span>
+      ) : preview ? (
+        <span className="text-xs text-destructive">
+          {preview.errors.map((code) => t(`billing.settings.mask.error.${code}`, code)).join(' ')}
+        </span>
+      ) : null}
+      {value !== initial ? (
+        <span className="text-xs text-muted-foreground">
+          {t(
+            'billing.settings.mask.change_warning',
+            'Changing the mask mid-period starts a new counter; a number that was already issued is rejected at post.',
+          )}
+        </span>
+      ) : null}
+    </label>
+  )
+}
+
+export default function BillingSettingsPage() {
+  const t = useT()
+  const [loaded, setLoaded] = React.useState<SettingsResponse | null>(null)
+  const [values, setValues] = React.useState<Settings | null>(null)
+  const [error, setError] = React.useState<string | null>(null)
+  const [saving, setSaving] = React.useState(false)
+
+  const load = React.useCallback(async () => {
+    setError(null)
+    try {
+      const result = await readApiResultOrThrow<SettingsResponse>('/api/billing/settings')
+      setLoaded(result)
+      setValues(result.settings)
+    } catch (err) {
+      setError(normalizeCrudServerError(err).message || t('billing.settings.error.load', 'Could not load billing settings'))
+    }
+  }, [t])
+
+  React.useEffect(() => {
+    void load()
+  }, [load])
+
+  const set = <K extends keyof Settings>(key: K, value: Settings[K]) =>
+    setValues((prev) => (prev ? { ...prev, [key]: value } : prev))
+
+  const fieldLabel = React.useCallback(
+    (field: string): string => {
+      const labels: Record<string, string> = {
+        legalName: t('billing.settings.seller.legal_name', 'Legal name'),
+        sellerAddress: t('billing.settings.seller.address', 'Address'),
+        taxId: t('billing.settings.seller.tax_id', 'Tax ID'),
+        iban: 'IBAN',
+        bic: 'BIC',
+        bankName: t('billing.settings.payment.bank_name', 'Bank'),
+        topupProvider: t('billing.settings.prepaid.topup_provider', 'Top-up payment provider'),
+        topupTaxRate: t('billing.settings.prepaid.topup_tax_rate', 'VAT on top-up receipts (%)'),
+        defaultPaymentTermsDays: t('billing.settings.payment.terms', 'Default payment terms (days)'),
+        defaultTaxRate: t('billing.settings.payment.tax_rate', 'Default VAT rate (%)'),
+        numberMasks: t('billing.settings.numbering.title', 'Document numbering'),
+      }
+      const root = field.split('.')[0]
+      const rest = field.slice(root.length + 1)
+      return `${labels[root] ?? root}${rest ? ` (${rest})` : ''}`
+    },
+    [t],
+  )
+
+  const handleSave = React.useCallback(async () => {
+    if (!values) return
+    setSaving(true)
+    try {
+      await apiCallOrThrow('/api/billing/settings', {
+        method: 'PUT',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ ...values, sellerAddress: addressPayload(values.sellerAddress) }),
+      })
+      flash(t('billing.settings.saved', 'Billing settings saved'), 'success')
+      await load()
+    } catch (err) {
+      // Name the failing fields — the API's top-level message is just
+      // "Invalid input". Codes such as `billing.settings.error.iban_invalid`
+      // and mask error codes are translated; anything else is shown as sent.
+      const { message, fieldErrors } = normalizeCrudServerError(err)
+      const details = Object.entries(fieldErrors ?? {})
+        .map(([field, fieldMessage]) => {
+          const text = String(fieldMessage)
+          const translated = text.startsWith('billing.') ? t(text, text) : text
+          return `${fieldLabel(field)}: ${translated}`
+        })
+        .join('; ')
+      flash(
+        details
+          ? `${t('billing.settings.error.fields', 'Check these fields')} — ${details}`
+          : message || t('billing.settings.error.save', 'Saving failed'),
+        'error',
+      )
+    } finally {
+      setSaving(false)
+    }
+  }, [fieldLabel, load, t, values])
+
+  const [uploading, setUploading] = React.useState(false)
+  const handleLogoUpload = React.useCallback(
+    async (file: File | null) => {
+      if (!file || !values) return
+      setUploading(true)
+      try {
+        const form = new FormData()
+        form.set('entityId', ATTACHMENT_ENTITY_ID)
+        form.set('recordId', loaded?.settings.id ?? 'settings')
+        form.set('file', file)
+        const call = await apiCall<{ item?: { id: string }; error?: string }>('/api/attachments', {
+          method: 'POST',
+          body: form,
+        })
+        if (!call.ok || !call.result?.item?.id) {
+          throw new Error(call.result?.error || t('billing.settings.logo.upload_failed', 'Logo upload failed'))
+        }
+        set('logoAttachmentId', call.result.item.id)
+      } catch (err) {
+        flash(err instanceof Error ? err.message : t('billing.settings.logo.upload_failed', 'Logo upload failed'), 'error')
+      } finally {
+        setUploading(false)
+      }
+    },
+    [loaded?.settings.id, t, values],
+  )
+
+  const address = values?.sellerAddress ?? EMPTY_ADDRESS
+  const setAddress = (key: keyof SellerAddress, value: string) =>
+    set('sellerAddress', { ...(values?.sellerAddress ?? EMPTY_ADDRESS), [key]: value })
+
+  const missingLabels: Record<string, string> = {
+    legalName: t('billing.settings.seller.legal_name', 'Legal name'),
+    sellerAddress: t('billing.settings.seller.address', 'Address'),
+    taxId: t('billing.settings.seller.tax_id', 'Tax ID'),
+    iban: t('billing.settings.payment.iban', 'IBAN'),
+  }
+
+  const handleKeyDown = (event: React.KeyboardEvent<HTMLDivElement>) => {
+    if ((event.metaKey || event.ctrlKey) && event.key === 'Enter') {
+      event.preventDefault()
+      void handleSave()
+    } else if (event.key === 'Escape' && loaded) {
+      event.preventDefault()
+      setValues(loaded.settings)
+    }
+  }
+
+  return (
+    <Page>
+      <PageHeader title={t('billing.settings.title', 'Billing')} />
+      <PageBody>
+        {error ? (
+          <ErrorMessage label={error} />
+        ) : !values || !loaded ? (
+          <LoadingMessage label={t('billing.settings.loading', 'Loading billing settings…')} />
+        ) : (
+          <div className="flex flex-col gap-6" onKeyDown={handleKeyDown}>
+            {loaded.completeness && !loaded.completeness.ready ? (
+              <div className="rounded-lg border border-status-warning-border bg-status-warning-bg p-4 text-sm">
+                <div className="font-medium">
+                  {t('billing.settings.incomplete.title', 'Invoices cannot be posted yet')}
+                </div>
+                <div className="text-muted-foreground">
+                  {t('billing.settings.incomplete.help', 'Fill in the seller details printed on every invoice:')}{' '}
+                  {loaded.completeness.missing.map((field) => missingLabels[field] ?? field).join(', ')}
+                </div>
+              </div>
+            ) : null}
+
+            <section className="rounded-lg border bg-card p-6 grid grid-cols-1 sm:grid-cols-2 gap-4">
+              <h2 className="text-base font-semibold sm:col-span-2">{t('billing.settings.seller.title', 'Seller')}</h2>
+              <label className="flex flex-col gap-1 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.seller.legal_name', 'Legal name')} *</span>
+                <Input value={values.legalName} maxLength={255} onChange={(e) => set('legalName', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.seller.line1', 'Address line 1')} *</span>
+                <Input value={address.line1} onChange={(e) => setAddress('line1', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.seller.line2', 'Address line 2')}</span>
+                <Input value={address.line2 ?? ''} onChange={(e) => setAddress('line2', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.seller.postal_code', 'Postal code')} *</span>
+                <Input value={address.postal_code} onChange={(e) => setAddress('postal_code', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.seller.city', 'City')} *</span>
+                <Input value={address.city} onChange={(e) => setAddress('city', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.seller.country', 'Country (ISO code)')} *</span>
+                <Input value={address.country} maxLength={3} onChange={(e) => setAddress('country', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.seller.tax_id', 'Tax ID')} *</span>
+                <Input value={values.taxId} maxLength={64} onChange={(e) => set('taxId', e.currentTarget.value)} />
+              </label>
+            </section>
+
+            <section className="rounded-lg border bg-card p-6 grid grid-cols-1 sm:grid-cols-2 gap-4">
+              <h2 className="text-base font-semibold sm:col-span-2">{t('billing.settings.payment.title', 'Payment and invoicing')}</h2>
+              <label className="flex flex-col gap-1 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.payment.bank_name', 'Bank name')}</span>
+                <Input value={values.bankName} maxLength={255} onChange={(e) => set('bankName', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.payment.iban', 'IBAN')} *</span>
+                <Input value={values.iban} className="font-mono" onChange={(e) => set('iban', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.payment.bic', 'BIC / SWIFT')}</span>
+                <Input value={values.bic} className="font-mono" maxLength={11} onChange={(e) => set('bic', e.currentTarget.value)} />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.payment.terms', 'Default payment terms (days)')}</span>
+                <Input
+                  type="number"
+                  min="0"
+                  max="365"
+                  step="1"
+                  value={String(values.defaultPaymentTermsDays)}
+                  onChange={(e) => set('defaultPaymentTermsDays', Number.parseInt(e.currentTarget.value, 10) || 0)}
+                />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.payment.tax_rate', 'Default VAT rate (%)')}</span>
+                <Input
+                  type="number"
+                  min="0"
+                  max="100"
+                  step="0.01"
+                  value={String(values.defaultTaxRate)}
+                  onChange={(e) => set('defaultTaxRate', Number(e.currentTarget.value) || 0)}
+                />
+                <span className="text-xs text-muted-foreground">
+                  {t('billing.settings.payment.tax_rate.help', 'Applied to new billing items only; existing items keep their rate.')}
+                </span>
+              </label>
+              <label className="flex flex-col gap-1 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.document.footer', 'Invoice footer')}</span>
+                <Textarea
+                  rows={2}
+                  maxLength={2000}
+                  value={values.invoiceFooter}
+                  onChange={(e) => set('invoiceFooter', e.currentTarget.value)}
+                />
+                <span className="text-xs text-muted-foreground">
+                  {t('billing.settings.document.footer.help', 'Registration court, share capital and similar legal notes.')}
+                </span>
+              </label>
+              <div className="flex flex-col gap-2 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.document.logo', 'Logo (PNG or JPEG)')}</span>
+                {values.logoAttachmentId ? (
+                  <div className="flex items-center gap-3">
+                    <img
+                      src={`/api/attachments/file/${encodeURIComponent(values.logoAttachmentId)}`}
+                      alt={t('billing.settings.document.logo', 'Logo (PNG or JPEG)')}
+                      className="h-12 max-w-[200px] object-contain rounded border bg-background"
+                    />
+                    <Button type="button" variant="outline" size="sm" onClick={() => set('logoAttachmentId', null)}>
+                      {t('billing.settings.document.logo.remove', 'Remove')}
+                    </Button>
+                  </div>
+                ) : (
+                  <span className="text-xs text-muted-foreground">
+                    {t('billing.settings.document.logo.fallback', 'No logo — the organization logo is used when set.')}
+                  </span>
+                )}
+                <Input
+                  type="file"
+                  accept="image/png,image/jpeg"
+                  disabled={uploading}
+                  onChange={(e) => void handleLogoUpload(e.currentTarget.files?.[0] ?? null)}
+                />
+              </div>
+            </section>
+
+            <section className="rounded-lg border bg-card p-6 flex flex-col gap-4">
+              <div>
+                <h2 className="text-base font-semibold">{t('billing.settings.numbering.title', 'Document numbering')}</h2>
+                <p className="text-sm text-muted-foreground">
+                  {t(
+                    'billing.settings.numbering.help',
+                    'Use date tokens and exactly one counter token. The counter token decides when numbering restarts. Add :N to zero-pad the counter.',
+                  )}
+                </p>
+                {/* Tokens are rendered literally — never through i18n interpolation. */}
+                <ul className="mt-2 grid grid-cols-1 sm:grid-cols-2 gap-1 text-xs">
+                  {[
+                    ['{YYYY} {YY} {MM} {DD}', t('billing.settings.token.date', 'Issue date parts')],
+                    ['{SEQUENCE_NUM}', t('billing.settings.mask.scope.none', 'Counter never resets')],
+                    ['{SEQUENCE_NUM_YEAR}', t('billing.settings.mask.scope.year', 'Counter resets every year')],
+                    ['{SEQUENCE_NUM_MONTH}', t('billing.settings.mask.scope.month', 'Counter resets every month')],
+                    [':N  ({SEQUENCE_NUM_MONTH:4} → 0007)', t('billing.settings.token.pad', 'Zero-pad the counter to N digits')],
+                  ].map(([token, label]) => (
+                    <li key={token}>
+                      <span className="font-mono">{token}</span> — {label}
+                    </li>
+                  ))}
+                </ul>
+              </div>
+              {DOCUMENT_SERIES.map((series) => (
+                <MaskField
+                  key={series}
+                  series={series}
+                  value={values.numberMasks[series]}
+                  initial={loaded.settings.numberMasks[series]}
+                  onChange={(next) => set('numberMasks', { ...values.numberMasks, [series]: next })}
+                />
+              ))}
+            </section>
+
+            <section className="rounded-lg border bg-card p-6 grid grid-cols-1 sm:grid-cols-2 gap-4">
+              <h2 className="text-base font-semibold sm:col-span-2">{t('billing.settings.prepaid.title', 'Prepaid defaults')}</h2>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.prepaid.low_balance', 'Low-balance threshold')}</span>
+                <Input
+                  type="number"
+                  min="0"
+                  step="0.01"
+                  value={String(values.lowBalanceThresholdDefault)}
+                  onChange={(e) => set('lowBalanceThresholdDefault', Number(e.currentTarget.value) || 0)}
+                />
+              </label>
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.prepaid.near_limit', 'Near credit-limit buffer')}</span>
+                <Input
+                  type="number"
+                  min="0"
+                  step="0.01"
+                  value={String(values.nearLimitBufferDefault)}
+                  onChange={(e) => set('nearLimitBufferDefault', Number(e.currentTarget.value) || 0)}
+                />
+              </label>
+              <div className="flex flex-col gap-2 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.prepaid.tax_point', 'When is VAT charged on prepaid accounts?')}</span>
+                <RadioGroup
+                  value={values.prepaidTaxPoint ?? 'topup'}
+                  onValueChange={(next) => set('prepaidTaxPoint', next === 'consumption' ? 'consumption' : 'topup')}
+                  className="grid grid-cols-1 gap-3 sm:grid-cols-2"
+                >
+                  <RadioField
+                    value="topup"
+                    label={t('billing.settings.prepaid.tax_point.topup', 'At top-up')}
+                    description={t(
+                      'billing.settings.prepaid.tax_point.topup_help',
+                      'The top-up receipt includes VAT. Charges take the item amount from the balance as entered; item VAT rates do not apply.',
+                    )}
+                  />
+                  <RadioField
+                    value="consumption"
+                    label={t('billing.settings.prepaid.tax_point.consumption', 'At billing')}
+                    description={t(
+                      'billing.settings.prepaid.tax_point.consumption_help',
+                      'Top-ups carry no VAT. Each charge takes its gross amount (at the item VAT rate) from the balance; statements show the VAT. Check with your accountant.',
+                    )}
+                  />
+                </RadioGroup>
+                {(values.prepaidTaxPoint ?? 'topup') !== (loaded.settings.prepaidTaxPoint ?? 'topup') ? (
+                  <div className="rounded-md border border-status-warning-border bg-status-warning-bg px-3 py-2 text-xs text-status-warning-text">
+                    {t(
+                      'billing.settings.prepaid.tax_point.change_warning',
+                      'Applies to new top-ups and charges only. Balances topped up under the other setting keep their tax treatment; switching from top-up to billing taxes the remaining balance again when it is used.',
+                    )}
+                  </div>
+                ) : null}
+              </div>
+              {(values.prepaidTaxPoint ?? 'topup') === 'topup' ? (
+                <label className="flex flex-col gap-1 text-sm">
+                  <span className="text-muted-foreground">{t('billing.settings.prepaid.topup_tax_rate', 'VAT on top-up receipts (%)')}</span>
+                  <Input
+                    type="number"
+                    min="0"
+                    max="100"
+                    step="0.01"
+                    value={String(values.topupTaxRate)}
+                    onChange={(e) => set('topupTaxRate', Number(e.currentTarget.value) || 0)}
+                  />
+                </label>
+              ) : null}
+              <label className="flex flex-col gap-1 text-sm">
+                <span className="text-muted-foreground">{t('billing.settings.prepaid.topup_provider', 'Top-up payment provider')}</span>
+                <Input value={values.topupProvider} onChange={(e) => set('topupProvider', e.currentTarget.value)} />
+              </label>
+              <div className="flex items-center justify-between gap-3 sm:col-span-2">
+                <span className="text-sm">{t('billing.settings.prepaid.statements', 'Generate consumption statements at period close')}</span>
+                <Switch checked={values.statementEnabled} onCheckedChange={(next) => set('statementEnabled', next)} />
+              </div>
+              <div className="flex items-center gap-2 text-sm sm:col-span-2">
+                <span className="text-muted-foreground">{t('billing.settings.prepaid.gateway', 'Online top-ups')}</span>
+                {loaded.capabilities.gatewayTopups ? (
+                  <Tag variant="success">{t('billing.settings.prepaid.gateway.available', 'Available')}</Tag>
+                ) : (
+                  <Tag variant="neutral">
+                    {t('billing.settings.prepaid.gateway.unavailable', 'Unavailable — payment gateways module not installed')}
+                  </Tag>
+                )}
+              </div>
+            </section>
+
+            <div className="flex items-center justify-end gap-3">
+              <span className="text-xs text-muted-foreground">
+                <KbdShortcut keys={['Ctrl/⌘', 'Enter']} /> {t('billing.settings.save_hint', 'to save')}
+              </span>
+              <Button type="button" variant="outline" onClick={() => setValues(loaded.settings)} disabled={saving}>
+                {t('billing.common.cancel', 'Cancel')}
+              </Button>
+              <Button type="button" onClick={() => void handleSave()} disabled={saving}>
+                {saving ? t('billing.settings.saving', 'Saving…') : t('billing.common.save', 'Save')}
+              </Button>
+            </div>
+          </div>
+        )}
+      </PageBody>
+    </Page>
+  )
+}

package/src/modules/billing/cli.ts

@@ -86,4 +86,34 @@ const seed: ModuleCli = {
   },
 }
 
-export default [seed]
+/**
+ * `mercato billing payments-sample [--out <file>] [--tenant <id>] [--org <id>]`
+ *
+ * Spec C demo: writes a bank CSV built from the organization's posted,
+ * unpaid invoices (and a top-up receipt, if any) that shows every matcher
+ * outcome after one upload on Billing → Payments. Run a real bill run and
+ * post a few invoices first.
+ */
+const paymentsSample: ModuleCli = {
+  command: 'payments-sample',
+  async run(rest) {
+    const args = parseArgs(rest)
+    const container = await createRequestContainer()
+    const em = container.resolve<EntityManager>('em')
+    const scope = await resolveScope(em, args)
+    if (!scope) {
+      console.error('[billing payments-sample] No organization found. Pass --org <id>.')
+      return
+    }
+    const { buildPaymentsSampleCsv, loadSampleSources } = await import('./lib/seeds/paymentsSample')
+    const { writeFile } = await import('node:fs/promises')
+    const sources = await loadSampleSources(em, scope)
+    const out = typeof args.out === 'string' ? args.out : 'payments-sample.csv'
+    const sample = buildPaymentsSampleCsv({ ...sources, date: new Date().toISOString().slice(0, 10) })
+    await writeFile(out, sample.csv, 'utf8')
+    console.log(`[billing payments-sample] wrote ${sample.rows} rows to ${out}`)
+    for (const note of sample.missing) console.log(`  · skipped ${note}`)
+  },
+}
+
+export default [seed, paymentsSample]

package/src/modules/billing/commands/accounts.ts

@@ -66,6 +66,7 @@ const createAccountCommand: CommandHandler<BillingAccountCreateInput, { id: stri
       organizationId: parsed.organizationId,
       tenantId: parsed.tenantId,
       customerId: parsed.customerId,
+      customerKind: parsed.customerKind,
       name: parsed.name,
       currencyCode: parsed.currencyCode,
       billCycle: parsed.billCycle,
@@ -79,6 +80,9 @@ const createAccountCommand: CommandHandler<BillingAccountCreateInput, { id: stri
       billingMode,
       creditLimit:
         parsed.creditLimit !== undefined ? formatMoney(parsed.creditLimit) : '0',
+      // Spec B: null = organization default terms.
+      paymentTermsDays: parsed.paymentTermsDays ?? null,
+      autoSendInvoice: parsed.autoSendInvoice ?? false,
       isActive: parsed.isActive ?? true,
       createdAt: now,
       updatedAt: now,
@@ -153,6 +157,8 @@ const updateAccountCommand: CommandHandler<BillingAccountUpdateInput, { id: stri
     if (parsed.isActive !== undefined) record.isActive = parsed.isActive
     // SPEC-002: credit_limit is editable in both modes (billing_mode is not).
     if (parsed.creditLimit !== undefined) record.creditLimit = formatMoney(parsed.creditLimit)
+    if (parsed.paymentTermsDays !== undefined) record.paymentTermsDays = parsed.paymentTermsDays
+    if (parsed.autoSendInvoice !== undefined) record.autoSendInvoice = parsed.autoSendInvoice
 
     record.updatedAt = new Date()
 

package/src/modules/billing/commands/index.ts

@@ -14,3 +14,6 @@ import './invoices'
 import './topups'
 import './transactions'
 import './statements'
+import './settings'
+import './payments'
+import './memos'