Billing: fatture manuali, profilo obbligatorio e piani Stripe mensile/annuale.

Rimuove link al portale Stripe in area cliente, aggiunge flusso admin per PDF
fattura e email, blocca checkout senza dati di fatturazione, allinea prezzi
a €4,90/€39,90 e €9,90/€69,90, locale italiano e documentazione deploy.

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/app/services/billing/stripe/finalize_subscription.rb

@@ -0,0 +1,65 @@
+module Billing
+  module Stripe
+    # Passa a Free se il periodo pagato è scaduto (es. disdetta o webhook mancato in locale).
+    class FinalizeSubscription
+      def self.call(club:)
+        new(club: club).call
+      end
+
+      def initialize(club:)
+        @club = club
+      end
+
+      def call
+        sub = @club.subscription
+        return false unless sub&.stripe_subscription_id.present?
+        return false if sub.free?
+
+        stripe_sub = ::Stripe::Subscription.retrieve(sub.stripe_subscription_id)
+
+        if stripe_sub.status.in?(%w[canceled incomplete_expired])
+          downgrade!(sub)
+          return true
+        end
+
+        period_end = period_end_time(sub, stripe_sub)
+        return false if period_end.blank? || period_end > Time.current
+
+        if sub.cancel_at_period_end? || stripe_sub.cancel_at_period_end
+          downgrade!(sub)
+          return true
+        end
+
+        false
+      rescue ::Stripe::InvalidRequestError => e
+        downgrade!(sub) if e.message.include?("No such subscription")
+        false
+      end
+
+      private
+
+      def period_end_time(sub, stripe_sub)
+        local = sub.current_period_end
+        return local if local.present?
+
+        start_at, end_at = SubscriptionPeriod.times(stripe_sub)
+        end_at
+      end
+
+      def downgrade!(sub)
+        Billing::AssignPlan.call(
+          club: @club,
+          plan_slug: "free",
+          status: "active",
+          stripe_attrs: {
+            stripe_subscription_id: nil,
+            current_period_start: nil,
+            current_period_end: nil,
+            cancel_at_period_end: false,
+            billing_interval: nil
+          }
+        )
+      end
+    end
+  end
+end