Aggiunge pagamento con bonifico e importo concordato per società.

Il piano si attiva solo dopo la conferma admin; Stripe resta a listino se non c'è un prezzo commerciale.

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

backend/app/controllers/admin/billing_controller.rb

@@ -2,6 +2,7 @@ module Admin
   class BillingController < BaseController
     def index
       @pending_payments = pending_scope.recent
+      @pending_transfers = transfer_scope
       @completed_payments = Billing::Payment.with_invoice_pdf.includes(:club, :invoice).recent.limit(40)
       @filter_club = Club.find_by(id: params[:club_id]) if params[:club_id].present?
       @clubs = Club.order(:name)
@@ -18,6 +19,25 @@ module Admin
                   alert: e.message
     end
 
+    def confirm_transfer
+      order = Billing::TransferOrder.find(params[:id])
+      Billing::ConfirmBankTransfer.call(
+        order: order,
+        admin: current_admin_account,
+        pdf: params[:pdf]
+      )
+      redirect_to admin_billing_path(club_id: order.club_id),
+                  notice: t("admin.flash.transfer_confirmed", plan: order.plan.name, club: order.club.name)
+    rescue Billing::ConfirmBankTransfer::Error, Billing::AttachPaymentInvoice::Error, Billing::IssueInvoice::Error => e
+      redirect_to admin_billing_path, alert: e.message
+    end
+
+    def cancel_transfer
+      order = Billing::TransferOrder.find(params[:id])
+      order.cancel!
+      redirect_to admin_billing_path(club_id: order.club_id), notice: t("admin.flash.transfer_cancelled")
+    end
+
     private
 
     def pending_scope
@@ -26,6 +46,12 @@ module Admin
       scope
     end
 
+    def transfer_scope
+      scope = Billing::TransferOrder.awaiting_payment.includes(:club, :requested_by_user)
+      scope = scope.where(club_id: params[:club_id]) if params[:club_id].present?
+      scope
+    end
+
     def billing_redirect_params(payment)
       { club_id: payment.club_id, anchor: "payment-#{payment.id}" }.compact
     end

backend/app/controllers/admin/clubs_controller.rb

@@ -1,9 +1,9 @@
 module Admin
   class ClubsController < BaseController
-    before_action :set_club, only: %i[show grant_comped revoke_comped]
+    before_action :set_club, only: %i[show grant_comped revoke_comped set_quote revoke_quote]
 
     def index
-      @clubs = Club.includes(:teams, subscription: %i[plan admin_comped_by])
+      @clubs = Club.includes(:teams, :billing_quote, subscription: %i[plan admin_comped_by])
                    .order(:name)
     end
 
@@ -11,6 +11,7 @@ module Admin
       @subscription = @club.subscription || @club.build_subscription(plan: Plan["free"], status: "active")
       @plans = Plan.ordered.reject { |p| p.slug == "free" }
       @teams = @club.teams.order(:name)
+      @quote = @club.active_billing_quote
     end
 
     def grant_comped
@@ -32,6 +33,32 @@ module Admin
       redirect_back_or_club alert: e.message
     end
 
+    def set_quote
+      quote = Billing::SetClubQuote.upsert(
+        club: @club,
+        plan_slug: params.require(:plan_slug),
+        interval: params[:interval],
+        amount_euros: params[:amount_euros],
+        note: params[:note],
+        admin: current_admin_account
+      )
+      redirect_back_or_club notice: t(
+        "admin.flash.quote_saved",
+        club: @club.name,
+        plan: quote.plan.name,
+        amount: quote.formatted_amount
+      )
+    rescue Billing::SetClubQuote::Error, ActionController::ParameterMissing => e
+      redirect_back_or_club alert: e.message
+    end
+
+    def revoke_quote
+      Billing::SetClubQuote.revoke(club: @club, admin: current_admin_account)
+      redirect_back_or_club notice: t("admin.flash.quote_revoked", club: @club.name)
+    rescue Billing::SetClubQuote::Error => e
+      redirect_back_or_club alert: e.message
+    end
+
     private
 
     def set_club

backend/app/controllers/public/club_billing_controller.rb

@@ -11,11 +11,15 @@ module Public
       @club.assign_attributes(billing_profile_params)
       if @club.save(context: :billing_profile)
         if premium_checkout_return_params.present? && @club.billing_profile_complete?
-          redirect_to public_club_checkout_path(
-            @club,
-            plan: premium_checkout_return_params[:plan],
-            interval: premium_checkout_return_params[:interval]
-          ), notice: t("flash.club_billing.profile_saved_proceed_payment")
+          if @club.active_billing_quote.present?
+            redirect_to public_club_billing_path(@club), notice: t("flash.club_billing.profile_updated")
+          else
+            redirect_to public_club_checkout_path(
+              @club,
+              plan: premium_checkout_return_params[:plan],
+              interval: premium_checkout_return_params[:interval]
+            ), notice: t("flash.club_billing.profile_saved_proceed_payment")
+          end
         else
           redirect_to public_club_billing_path(@club), notice: t("flash.club_billing.profile_updated")
         end
@@ -42,6 +46,29 @@ module Public
       redirect_to public_club_billing_path(@club), alert: t("flash.club_billing.stripe_error", message: e.message)
     end
 
+    def request_bank_transfer
+      if @club.subscription&.admin_comped?
+        redirect_to public_club_billing_path(@club), alert: t("flash.clubs.comped_change_denied")
+        return
+      end
+
+      unless @club.billing_profile_complete?
+        redirect_to public_club_billing_profile_path(@club, plan: params[:plan], interval: params[:interval]),
+                    alert: t("flash.clubs.complete_billing_first")
+        return
+      end
+
+      Billing::RequestBankTransfer.call(
+        club: @club,
+        user: current_user,
+        plan_slug: params[:plan],
+        interval: params[:interval]
+      )
+      redirect_to public_club_billing_path(@club), notice: t("flash.club_billing.bank_transfer_requested")
+    rescue Billing::RequestBankTransfer::Error, ArgumentError => e
+      redirect_to public_club_billing_path(@club), alert: e.message
+    end
+
     def download_invoice
       invoice = @club.billing_invoices.find(params[:invoice_id])
       unless invoice.pdf.attached?

backend/app/controllers/public/clubs_controller.rb

@@ -82,6 +82,8 @@ module Public
       @entitlements = @team.entitlements
       @plans = Plan.ordered
       @payments = @club.billing_payments.recent.includes(:invoice).limit(50)
+      @quote = @club.active_billing_quote
+      @pending_transfer = @club.billing_transfer_orders.awaiting_payment.first
     end
 
     def checkout
@@ -92,6 +94,12 @@ module Public
         return
       end
 
+      if @club.active_billing_quote.present?
+        redirect_to public_club_billing_path(@club),
+                    alert: t("flash.club_billing.quote_checkout_denied")
+        return
+      end
+
       unless MatchLiveTv.stripe_enabled?
         redirect_to public_club_billing_path(@club), alert: t("flash.clubs.stripe_not_configured")
         return

backend/app/helpers/public/billing_helper.rb

@@ -1,6 +1,6 @@
 module Public
   module BillingHelper
-    def plan_billing_action(current_slug:, target_plan:, stripe_subscription_active:, current_interval: nil, subscription: nil)
+    def plan_billing_action(current_slug:, target_plan:, stripe_subscription_active:, current_interval: nil, subscription: nil, club: nil)
       if target_plan.slug == "free"
         return { kind: :current, label: I18n.t("billing.actions.current_plan") } if current_slug == "free"
         return { kind: :none } if stripe_subscription_active
@@ -8,17 +8,37 @@ module Public
         return { kind: :contact, label: I18n.t("billing.actions.contact_for_free") }
       end
 
+      quote = club&.active_billing_quote
+      if quote
+        if quote.plan_slug == target_plan.slug
+          return { kind: :quoted, plan: target_plan, quote: quote, intervals: [quote.billing_interval] }
+        end
+
+        return { kind: :quoted_other, label: I18n.t("billing.bank_transfer.quoted_other") }
+      end
+
+      intervals = bank_transfer_intervals_for(target_plan)
       unless MatchLiveTv.stripe_enabled?
+        if MatchLiveTv.bank_transfer_configured?
+          return { kind: :bank_only, plan: target_plan, intervals: intervals }
+        end
+
         return { kind: :disabled, label: I18n.t("billing.actions.stripe_not_configured") }
       end
 
-      intervals = Billing::Stripe::PriceCatalog.available_intervals(plan_slug: target_plan.slug)
-      return { kind: :disabled, label: I18n.t("billing.actions.stripe_prices_not_configured") } if intervals.empty?
+      stripe_intervals = Billing::Stripe::PriceCatalog.available_intervals(plan_slug: target_plan.slug)
+      if stripe_intervals.empty?
+        if MatchLiveTv.bank_transfer_configured?
+          return { kind: :bank_only, plan: target_plan, intervals: intervals }
+        end
+
+        return { kind: :disabled, label: I18n.t("billing.actions.stripe_prices_not_configured") }
+      end
 
       active_interval = current_interval.presence || Billing::Stripe::PriceCatalog::DEFAULT_INTERVAL
 
       if current_slug == target_plan.slug && stripe_subscription_active && !subscription&.plan_change_pending?
-        other_intervals = intervals - [active_interval]
+        other_intervals = stripe_intervals - [active_interval]
         if other_intervals.empty?
           label = "#{I18n.t('billing.actions.current_plan')} — #{Billing::Stripe::PriceCatalog.label(plan_slug: target_plan.slug, interval: active_interval)}"
           return { kind: :current, label: label }
@@ -35,12 +55,12 @@ module Public
       end
 
       if current_slug == "free" || !stripe_subscription_active
-        { kind: :checkout_options, plan: target_plan, intervals: intervals, subscription: subscription }
+        { kind: :checkout_options, plan: target_plan, intervals: stripe_intervals.presence || intervals, subscription: subscription }
       else
         {
           kind: :change_options,
           plan: target_plan,
-          intervals: intervals,
+          intervals: stripe_intervals,
           current_slug: current_slug,
           current_interval: active_interval,
           subscription: subscription
@@ -96,5 +116,28 @@ module Public
       I18n.t("billing.actions.profile_missing", fields: missing.join(", "))
     end
 
+    def bank_transfer_intervals_for(plan)
+      Billing::Stripe::PriceCatalog.catalog_intervals(plan_slug: plan.slug)
+    end
+
+    def bank_transfer_price_label(plan, interval, quote: nil)
+      if quote&.matches?(plan.slug, interval)
+        quote.price_label
+      else
+        Billing::Stripe::PriceCatalog.format_interval_price(
+          Billing::Stripe::PriceCatalog.amount_cents(plan_slug: plan.slug, interval: interval),
+          interval
+        )
+      end
+    end
+
+    def show_bank_transfer_for?(club:, plan:, interval:, quote: nil, pending_transfer: nil)
+      return false unless club.present? && plan.slug != "free"
+      return false unless MatchLiveTv.bank_transfer_configured?
+      return false if quote && !quote.matches?(plan.slug, interval)
+      return false if pending_transfer&.awaiting_payment?
+
+      true
+    end
   end
 end

backend/app/jobs/expire_ended_subscriptions_job.rb

@@ -6,12 +6,37 @@ class ExpireEndedSubscriptionsJob
     free_plan = Plan["free"]
 
     Subscription.where(cancel_at_period_end: true)
-                  .where("current_period_end <= ?", Time.current)
-                  .where.not(plan_id: free_plan.id)
-                  .find_each do |sub|
-      Billing::Stripe::FinalizeSubscription.call(club: sub.club)
+                .where("current_period_end <= ?", Time.current)
+                .where.not(plan_id: free_plan.id)
+                .where(admin_comped: false)
+                .find_each do |sub|
+      expire!(sub)
     rescue StandardError => e
       Rails.logger.warn("[ExpireEndedSubscriptions] club=#{sub.club_id} #{e.message}")
     end
   end
+
+  private
+
+  def expire!(sub)
+    if sub.stripe_subscription_id.present?
+      Billing::Stripe::FinalizeSubscription.call(club: sub.club)
+    else
+      Billing::AssignPlan.call(
+        club: sub.club,
+        plan_slug: "free",
+        status: "active",
+        stripe_attrs: {
+          stripe_subscription_id: nil,
+          stripe_schedule_id: nil,
+          current_period_start: nil,
+          current_period_end: nil,
+          cancel_at_period_end: false,
+          billing_interval: nil,
+          pending_plan_id: nil,
+          pending_billing_interval: nil
+        }
+      )
+    end
+  end
 end

backend/app/mailers/billing/bank_transfer_mailer.rb

@@ -0,0 +1,35 @@
+module Billing
+  class BankTransferMailer < ApplicationMailer
+    def instructions
+      @order = params[:order]
+      @club = @order.club
+      @iban = MatchLiveTv.bank_transfer_iban
+      @holder = MatchLiveTv.bank_transfer_account_holder
+      @bank_name = MatchLiveTv.bank_transfer_bank_name
+      @bic = MatchLiveTv.bank_transfer_bic
+      @proof_email = MatchLiveTv.bank_transfer_proof_email
+
+      mail(
+        to: recipient_email,
+        subject: t("mailers.bank_transfer.instructions.subject", plan: @order.plan.name)
+      )
+    end
+
+    def plan_activated
+      @order = params[:order]
+      @club = @order.club
+      @subscription = @club.subscription
+
+      mail(
+        to: recipient_email,
+        subject: t("mailers.bank_transfer.plan_activated.subject", plan: @order.plan.name)
+      )
+    end
+
+    private
+
+    def recipient_email
+      @club.billing_email.presence || @club.owner&.email
+    end
+  end
+end

backend/app/mailers/billing/invoice_mailer.rb

@@ -5,17 +5,37 @@ module Billing
       @club = @invoice.club
 
       I18n.with_locale(I18n.locale) do
-        prefix = t("mailers.invoice.attachment_prefix")
-        attachments["#{prefix}-#{@invoice.number.parameterize}.pdf"] = {
-          mime_type: "application/pdf",
-          content: @invoice.pdf.download
-        }
-
+        attach_invoice_pdf!
         mail(
           to: @club.billing_email,
           subject: t("mailers.invoice.subject", number: @invoice.display_number)
         )
       end
     end
+
+    def plan_activated_with_invoice
+      @invoice = params[:invoice]
+      @club = @invoice.club
+
+      I18n.with_locale(I18n.locale) do
+        attach_invoice_pdf!
+        mail(
+          to: @club.billing_email,
+          subject: t("mailers.invoice_activated.subject",
+                     plan: @club.subscription&.plan&.name || @invoice.display_number,
+                     number: @invoice.display_number)
+        )
+      end
+    end
+
+    private
+
+    def attach_invoice_pdf!
+      prefix = t("mailers.invoice.attachment_prefix")
+      attachments["#{prefix}-#{@invoice.number.parameterize}.pdf"] = {
+        mime_type: "application/pdf",
+        content: @invoice.pdf.download
+      }
+    end
   end
 end

backend/app/models/billing/club_quote.rb

@@ -0,0 +1,34 @@
+module Billing
+  class ClubQuote < ApplicationRecord
+    self.table_name = "billing_club_quotes"
+
+    PLAN_SLUGS = %w[premium_light premium_full].freeze
+    INTERVALS = Billing::Stripe::PriceCatalog::INTERVALS
+
+    belongs_to :club
+    belongs_to :created_by_admin, class_name: "AdminAccount", optional: true
+
+    validates :plan_slug, inclusion: { in: PLAN_SLUGS }
+    validates :billing_interval, inclusion: { in: INTERVALS }
+    validates :amount_cents, numericality: { greater_than: 0 }
+    validates :currency, presence: true
+
+    scope :active, -> { where(active: true) }
+
+    def matches?(plan_slug, interval)
+      self.plan_slug == plan_slug.to_s && billing_interval == interval.to_s
+    end
+
+    def plan
+      Plan[plan_slug]
+    end
+
+    def formatted_amount
+      Billing::Stripe::PriceCatalog.format_eur(amount_cents)
+    end
+
+    def price_label
+      Billing::Stripe::PriceCatalog.format_interval_price(amount_cents, billing_interval)
+    end
+  end
+end

backend/app/models/billing/payment.rb

@@ -2,14 +2,17 @@ module Billing
   class Payment < ApplicationRecord
     self.table_name = "billing_payments"
 
-    STATUSES = %w[paid failed refunded].freeze
+    STATUSES = %w[pending paid failed refunded].freeze
+    PROVIDERS = %w[stripe bank_transfer].freeze
 
     belongs_to :club
     has_one :invoice, class_name: "Billing::Invoice", foreign_key: :billing_payment_id, dependent: :nullify
+    has_one :transfer_order, class_name: "Billing::TransferOrder", foreign_key: :billing_payment_id, dependent: :nullify
 
     validates :amount_cents, numericality: { greater_than: 0 }
     validates :currency, presence: true
     validates :status, inclusion: { in: STATUSES }
+    validates :provider, inclusion: { in: PROVIDERS }
     validates :stripe_invoice_id, uniqueness: true, allow_nil: true
 
     scope :recent, -> { order(paid_at: :desc, created_at: :desc) }
@@ -62,7 +65,12 @@ module Billing
     end
 
     def display_status
-      { "paid" => "Pagato", "failed" => "Non riuscito", "refunded" => "Rimborsato" }[status] || status
+      {
+        "pending" => "In attesa di bonifico",
+        "paid" => "Pagato",
+        "failed" => "Non riuscito",
+        "refunded" => "Rimborsato"
+      }[status] || status
     end
 
     def invoice_for_display

backend/app/models/billing/transfer_order.rb

@@ -0,0 +1,67 @@
+module Billing
+  class TransferOrder < ApplicationRecord
+    self.table_name = "billing_transfer_orders"
+
+    KINDS = %w[list_price commercial_quote].freeze
+    STATUSES = %w[awaiting_payment paid cancelled].freeze
+    PLAN_SLUGS = ClubQuote::PLAN_SLUGS
+    INTERVALS = ClubQuote::INTERVALS
+
+    belongs_to :club
+    belongs_to :billing_club_quote, class_name: "Billing::ClubQuote", optional: true
+    belongs_to :billing_payment, class_name: "Billing::Payment", optional: true
+    belongs_to :requested_by_user, class_name: "User", optional: true
+    belongs_to :confirmed_by_admin, class_name: "AdminAccount", optional: true
+
+    validates :plan_slug, inclusion: { in: PLAN_SLUGS }
+    validates :billing_interval, inclusion: { in: INTERVALS }
+    validates :amount_cents, numericality: { greater_than: 0 }
+    validates :kind, inclusion: { in: KINDS }
+    validates :status, inclusion: { in: STATUSES }
+    validates :reference_code, presence: true, uniqueness: true
+    validates :currency, presence: true
+
+    scope :awaiting_payment, -> { where(status: "awaiting_payment").order(created_at: :desc) }
+    scope :recent, -> { order(created_at: :desc) }
+
+    def awaiting_payment?
+      status == "awaiting_payment"
+    end
+
+    def paid?
+      status == "paid"
+    end
+
+    def quoted?
+      kind == "commercial_quote"
+    end
+
+    def plan
+      Plan[plan_slug]
+    end
+
+    def formatted_amount
+      format("%.2f €", amount_cents / 100.0)
+    end
+
+    def price_label
+      Billing::Stripe::PriceCatalog.format_interval_price(amount_cents, billing_interval)
+    end
+
+    def payment_causal
+      "MLTV #{reference_code} #{club.name}".truncate(140, omission: "")
+    end
+
+    def cancel!
+      return self unless awaiting_payment?
+
+      transaction do
+        update!(status: "cancelled", cancelled_at: Time.current)
+        if billing_payment&.status == "pending"
+          billing_payment.update!(status: "failed")
+        end
+      end
+      self
+    end
+  end
+end

backend/app/models/club.rb

@@ -7,8 +7,11 @@ class Club < ApplicationRecord
   has_many :teams, dependent: :destroy
   has_one :youtube_credential, dependent: :destroy
   has_one :subscription, dependent: :destroy
+  has_one :billing_quote, -> { where(active: true) }, class_name: "Billing::ClubQuote", inverse_of: :club
+  has_many :billing_quotes, class_name: "Billing::ClubQuote", dependent: :destroy, inverse_of: :club
   has_many :billing_payments, class_name: "Billing::Payment", dependent: :destroy
   has_many :billing_invoices, class_name: "Billing::Invoice", dependent: :destroy
+  has_many :billing_transfer_orders, class_name: "Billing::TransferOrder", dependent: :destroy
 
   validates :name, presence: true
   validates :sport, presence: true
@@ -23,6 +26,14 @@ class Club < ApplicationRecord
     club_memberships.exists?(user: user, role: "owner")
   end
 
+  def active_billing_quote
+    billing_quote
+  end
+
+  def pending_transfer_order
+    billing_transfer_orders.awaiting_payment.first
+  end
+
   private
 
   def branding_parent

backend/app/models/subscription.rb

@@ -35,4 +35,8 @@ class Subscription < ApplicationRecord
   def admin_comped?
     admin_comped
   end
+
+  def bank_transfer?
+    premium? && stripe_subscription_id.blank? && !admin_comped? && current_period_end.present?
+  end
 end

backend/app/services/billing/admin_comped_subscription.rb

@@ -23,6 +23,7 @@ module Billing
       raise Error, "Piano non valido" unless @plan_slug.in?(VALID_PLANS)
 
       release_stripe_schedule!
+      cancel_awaiting_transfers!
 
       AssignPlan.call(
         club: @club,
@@ -97,5 +98,9 @@ module Billing
     ensure
       sub&.update!(stripe_schedule_id: nil, pending_plan_id: nil, pending_billing_interval: nil)
     end
+
+    def cancel_awaiting_transfers!
+      @club.billing_transfer_orders.awaiting_payment.find_each(&:cancel!)
+    end
   end
 end

backend/app/services/billing/attach_payment_invoice.rb

@@ -2,13 +2,14 @@ module Billing
   class AttachPaymentInvoice
     class Error < StandardError; end
 
-    def self.call(payment:, pdf:)
-      new(payment: payment, pdf: pdf).call
+    def self.call(payment:, pdf:, mailer_action: :invoice_pdf)
+      new(payment: payment, pdf: pdf, mailer_action: mailer_action).call
     end
 
-    def initialize(payment:, pdf:)
+    def initialize(payment:, pdf:, mailer_action: :invoice_pdf)
       @payment = payment
       @pdf = pdf
+      @mailer_action = mailer_action
     end
 
     def call
@@ -17,7 +18,7 @@ module Billing
 
       club = @payment.club
       invoice = @payment.invoice || build_invoice!(club)
-      IssueInvoice.call(invoice: invoice, pdf: @pdf)
+      IssueInvoice.call(invoice: invoice, pdf: @pdf, mailer_action: @mailer_action)
     end
 
     private

backend/app/services/billing/confirm_bank_transfer.rb

@@ -0,0 +1,102 @@
+module Billing
+  class ConfirmBankTransfer
+    class Error < StandardError; end
+
+    def self.call(order:, admin:, pdf: nil)
+      new(order: order, admin: admin, pdf: pdf).call
+    end
+
+    def initialize(order:, admin:, pdf: nil)
+      @order = order
+      @admin = admin
+      @pdf = pdf
+    end
+
+    def call
+      raise Error, "Bonifico già gestito" unless @order.awaiting_payment?
+
+      club = @order.club
+      payment = @order.billing_payment
+      raise Error, "Pagamento collegato mancante" if payment.blank?
+
+      ApplicationRecord.transaction do
+        cancel_existing_stripe!(club.subscription)
+
+        period_start, period_end = period_bounds(club.subscription)
+        AssignPlan.call(
+          club: club,
+          plan_slug: @order.plan_slug,
+          status: "active",
+          stripe_attrs: {
+            stripe_subscription_id: nil,
+            stripe_schedule_id: nil,
+            pending_plan_id: nil,
+            pending_billing_interval: nil,
+            billing_interval: @order.billing_interval,
+            current_period_start: period_start,
+            current_period_end: period_end,
+            cancel_at_period_end: true,
+            admin_comped: false,
+            admin_comped_reason: nil,
+            admin_comped_at: nil,
+            admin_comped_by_id: nil
+          }
+        )
+
+        payment.update!(status: "paid", paid_at: Time.current, provider: "bank_transfer")
+        @order.update!(
+          status: "paid",
+          confirmed_by_admin: @admin,
+          confirmed_at: Time.current
+        )
+      end
+
+      deliver_activation!(payment)
+      @order.reload
+    end
+
+    private
+
+    def period_bounds(subscription)
+      start_at = Time.current
+      if subscription&.premium? &&
+         !subscription.admin_comped? &&
+         subscription.plan.slug == @order.plan_slug &&
+         subscription.current_period_end.present? &&
+         subscription.current_period_end > Time.current
+        start_at = subscription.current_period_end
+      end
+
+      end_at = @order.billing_interval == "yearly" ? start_at.advance(years: 1) : start_at.advance(months: 1)
+      [start_at, end_at]
+    end
+
+    def cancel_existing_stripe!(subscription)
+      return if subscription.blank? || subscription.stripe_subscription_id.blank?
+      return unless MatchLiveTv.stripe_enabled?
+
+      ::Stripe::Subscription.cancel(subscription.stripe_subscription_id)
+    rescue ::Stripe::InvalidRequestError => e
+      Rails.logger.warn("[BankTransfer] stripe cancel club=#{subscription.club_id} #{e.message}")
+    end
+
+    def deliver_activation!(payment)
+      if pdf_present?
+        AttachPaymentInvoice.call(
+          payment: payment.reload,
+          pdf: @pdf,
+          mailer_action: :plan_activated_with_invoice
+        )
+      else
+        BankTransferMailer.with(order: @order.reload).plan_activated.deliver_now
+      end
+    end
+
+    def pdf_present?
+      return false if @pdf.blank?
+      return @pdf.present? unless @pdf.respond_to?(:tempfile)
+
+      @pdf.original_filename.present?
+    end
+  end
+end

backend/app/services/billing/euro_amount.rb

@@ -0,0 +1,26 @@
+module Billing
+  class EuroAmount
+    class Error < StandardError; end
+
+    def self.to_cents(value)
+      raw = value.to_s.strip
+      raise Error, "Indica l'importo in euro" if raw.blank?
+
+      normalized = raw.gsub(/\s+/, "")
+      if normalized.match?(/\A\d{1,3}(\.\d{3})*,\d{1,2}\z/)
+        normalized = normalized.gsub(".", "").tr(",", ".")
+      elsif normalized.match?(/\A\d+,\d{1,2}\z/)
+        normalized = normalized.tr(",", ".")
+      elsif normalized.match?(/\A\d{1,3}(,\d{3})*\.\d{1,2}\z/)
+        normalized = normalized.gsub(",", "")
+      end
+
+      raise Error, "Importo non valido" unless normalized.match?(/\A\d+(\.\d{1,2})?\z/)
+
+      cents = (BigDecimal(normalized) * 100).round
+      raise Error, "L'importo deve essere maggiore di zero" unless cents.positive?
+
+      cents.to_i
+    end
+  end
+end

backend/app/services/billing/issue_invoice.rb

@@ -2,13 +2,17 @@ module Billing
   class IssueInvoice
     class Error < StandardError; end
 
-    def self.call(invoice:, pdf: nil)
-      new(invoice: invoice, pdf: pdf).call
+    MAILER_ACTIONS = %i[invoice_pdf plan_activated_with_invoice].freeze
+
+    def self.call(invoice:, pdf: nil, mailer_action: :invoice_pdf)
+      new(invoice: invoice, pdf: pdf, mailer_action: mailer_action).call
     end
 
-    def initialize(invoice:, pdf: nil)
+    def initialize(invoice:, pdf: nil, mailer_action: :invoice_pdf)
       @invoice = invoice
       @pdf = pdf
+      @mailer_action = mailer_action.to_sym
+      raise Error, "Azione email non valida" unless MAILER_ACTIONS.include?(@mailer_action)
     end
 
     def call
@@ -22,7 +26,7 @@ module Billing
 
       @invoice.update!(status: "issued")
 
-      Billing::InvoiceMailer.with(invoice: @invoice).invoice_pdf.deliver_now
+      Billing::InvoiceMailer.with(invoice: @invoice).public_send(@mailer_action).deliver_now
       @invoice.update!(status: "sent", emailed_at: Time.current)
 
       @invoice

backend/app/services/billing/request_bank_transfer.rb

@@ -0,0 +1,95 @@
+module Billing
+  class RequestBankTransfer
+    class Error < StandardError; end
+
+    PLAN_SLUGS = %w[premium_light premium_full].freeze
+
+    def self.call(club:, user:, plan_slug:, interval:)
+      new(club: club, user: user, plan_slug: plan_slug, interval: interval).call
+    end
+
+    def initialize(club:, user:, plan_slug:, interval:)
+      @club = club
+      @user = user
+      @plan_slug = plan_slug.to_s
+      @interval = interval
+    end
+
+    def call
+      raise Error, "Bonifico non configurato sul server" unless MatchLiveTv.bank_transfer_configured?
+      raise Error, "Piano non valido" unless @plan_slug.in?(PLAN_SLUGS)
+      raise Error, "Completa i dati di fatturazione prima di richiedere il bonifico." unless @club.billing_profile_complete?
+      raise Error, "Il piano è un abbonamento omaggio. Contatta il supporto per passarlo a pagamento." if @club.subscription&.admin_comped?
+
+      @interval = Billing::Stripe::PriceCatalog.normalize_interval(@interval)
+      quote = @club.active_billing_quote
+      amount_cents, kind = resolve_amount(quote)
+
+      existing = @club.billing_transfer_orders.awaiting_payment.first
+      if existing
+        if existing.plan_slug == @plan_slug && existing.billing_interval == @interval && existing.amount_cents == amount_cents
+          BankTransferMailer.with(order: existing).instructions.deliver_now
+          return existing
+        end
+
+        existing.cancel!
+      end
+
+      order = nil
+      ApplicationRecord.transaction do
+        payment = @club.billing_payments.create!(
+          provider: "bank_transfer",
+          amount_cents: amount_cents,
+          currency: "eur",
+          status: "pending",
+          plan_slug: @plan_slug,
+          description: payment_description(kind, amount_cents)
+        )
+        order = @club.billing_transfer_orders.create!(
+          billing_club_quote: kind == "commercial_quote" ? quote : nil,
+          billing_payment: payment,
+          plan_slug: @plan_slug,
+          billing_interval: @interval,
+          amount_cents: amount_cents,
+          currency: "eur",
+          kind: kind,
+          status: "awaiting_payment",
+          reference_code: generate_reference_code,
+          requested_by_user: @user
+        )
+      end
+
+      BankTransferMailer.with(order: order).instructions.deliver_now
+      order
+    end
+
+    private
+
+    def resolve_amount(quote)
+      if quote
+        unless quote.matches?(@plan_slug, @interval)
+          raise Error, "Per questa società è attivo un prezzo concordato su #{quote.plan.name} (#{quote.price_label})."
+        end
+
+        return [quote.amount_cents, "commercial_quote"]
+      end
+
+      [Billing::Stripe::PriceCatalog.amount_cents(plan_slug: @plan_slug, interval: @interval), "list_price"]
+    end
+
+    def payment_description(kind, amount_cents)
+      label = Billing::Stripe::PriceCatalog.format_interval_price(amount_cents, @interval)
+      suffix = kind == "commercial_quote" ? "prezzo concordato, bonifico" : "bonifico"
+      "#{Plan[@plan_slug].name} — #{label} (#{suffix})"
+    end
+
+    def generate_reference_code
+      8.times do
+        code = "MLTV-#{SecureRandom.alphanumeric(6).upcase}"
+        return code unless TransferOrder.exists?(reference_code: code)
+      end
+
+      raise Error, "Impossibile generare il riferimento del bonifico"
+    end
+  end
+end

backend/app/services/billing/set_club_quote.rb

@@ -0,0 +1,74 @@
+module Billing
+  class SetClubQuote
+    class Error < StandardError; end
+
+    PLAN_SLUGS = %w[premium_light premium_full].freeze
+
+    def self.upsert(club:, plan_slug:, interval:, amount_euros:, note:, admin:)
+      new(club: club, plan_slug: plan_slug, interval: interval, amount_euros: amount_euros, note: note, admin: admin).upsert
+    end
+
+    def self.revoke(club:, admin:)
+      new(club: club, admin: admin).revoke
+    end
+
+    def initialize(club:, plan_slug: nil, interval: nil, amount_euros: nil, note: nil, admin: nil)
+      @club = club
+      @plan_slug = plan_slug.to_s.presence
+      @interval = interval
+      @amount_euros = amount_euros
+      @note = note.to_s.strip.presence
+      @admin = admin
+    end
+
+    def upsert
+      raise Error, "Piano non valido" unless @plan_slug.in?(PLAN_SLUGS)
+
+      interval = Billing::Stripe::PriceCatalog.normalize_interval(@interval)
+      amount_cents = EuroAmount.to_cents(@amount_euros)
+      quote = @club.billing_quotes.active.first || @club.billing_quotes.build
+
+      ApplicationRecord.transaction do
+        quote.assign_attributes(
+          plan_slug: @plan_slug,
+          billing_interval: interval,
+          amount_cents: amount_cents,
+          currency: "eur",
+          note: @note,
+          active: true,
+          created_by_admin: @admin || quote.created_by_admin
+        )
+        quote.save!
+
+        cancel_incompatible_orders!(quote)
+      end
+
+      quote
+    rescue EuroAmount::Error, ArgumentError => e
+      raise Error, e.message
+    end
+
+    def revoke
+      quote = @club.active_billing_quote
+      raise Error, "Nessun prezzo concordato attivo" if quote.blank?
+
+      ApplicationRecord.transaction do
+        quote.update!(active: false)
+        @club.billing_transfer_orders.awaiting_payment.where(kind: "commercial_quote").find_each(&:cancel!)
+      end
+      quote
+    end
+
+    private
+
+    def cancel_incompatible_orders!(quote)
+      @club.billing_transfer_orders.awaiting_payment.find_each do |order|
+        next if order.plan_slug == quote.plan_slug &&
+                order.billing_interval == quote.billing_interval &&
+                order.amount_cents == quote.amount_cents
+
+        order.cancel!
+      end
+    end
+  end
+end

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

@@ -86,6 +86,24 @@ module Billing
           end
         end
 
+        def catalog_intervals(plan_slug:)
+          INTERVALS.select { |interval| AMOUNTS.dig(plan_slug.to_s, interval, :charge).present? }
+        end
+
+        def amount_cents(plan_slug:, interval:)
+          interval = normalize_interval(interval)
+          cents = charge_cents(plan_slug, interval)
+          raise ArgumentError, "Prezzo listino non disponibile per #{plan_slug} (#{interval})" if cents.blank?
+
+          cents
+        end
+
+        def format_interval_price(cents, interval)
+          return nil if cents.blank?
+
+          I18n.t("billing.prices.#{interval}", amount: format_eur(cents))
+        end
+
         private
 
         def charge_cents(plan_slug, interval)
@@ -96,12 +114,6 @@ module Billing
           AMOUNTS.dig(plan_slug.to_s, interval, :list)
         end
 
-        def format_interval_price(cents, interval)
-          return nil if cents.blank?
-
-          I18n.t("billing.prices.#{interval}", amount: format_eur(cents))
-        end
-
         def price_id_for(plan_slug, interval)
           case [plan_slug, interval]
           when %w[premium_light monthly]

backend/app/views/admin/billing/index.html.erb

@@ -18,6 +18,52 @@
         club: @filter_club,
         subscription: @filter_club.subscription,
         return_to: admin_billing_path(club_id: @filter_club.id) %>
+  <%= render "admin/clubs/quote_form",
+        club: @filter_club,
+        quote: @filter_club.active_billing_quote,
+        return_to: admin_billing_path(club_id: @filter_club.id) %>
+<% end %>
+
+<h2 style="margin-top:8px;font-size:1.15rem"><%= t("admin.billing.index.transfers_title") %></h2>
+<p style="color:#666;margin-bottom:16px"><%= t("admin.billing.index.transfers_description") %></p>
+
+<% if @pending_transfers.any? %>
+  <div class="billing-pending-list" style="margin-bottom:32px">
+    <% @pending_transfers.each do |order| %>
+      <article id="transfer-<%= order.id %>" class="billing-pending-card">
+        <header class="billing-pending-card__head">
+          <div>
+            <strong><%= order.club.name %></strong>
+            · <%= order.plan.name %>
+            · <%= t("admin.billing.index.kind_#{order.quoted? ? 'quote' : 'list'}") %>
+            · <strong><%= order.formatted_amount %></strong>
+            · <%= order.created_at.to_date.strftime("%d/%m/%Y") %>
+          </div>
+        </header>
+        <div class="billing-pending-card__body">
+          <p style="margin:0 0 12px">
+            <%= t("admin.billing.index.transfers_table.causal") %>:
+            <strong><%= order.payment_causal %></strong>
+          </p>
+          <%= form_with url: admin_billing_transfer_confirm_path(order),
+                method: :post, multipart: true, local: true, class: "billing-upload-form" do %>
+            <label class="billing-upload-form__label">
+              <%= t("admin.billing.index.pdf_optional") %>
+              <%= file_field_tag :pdf, accept: "application/pdf" %>
+            </label>
+            <%= submit_tag t("admin.billing.index.confirm_button"), class: "admin-btn admin-btn--primary" %>
+          <% end %>
+          <%= button_to t("admin.billing.index.cancel_button"),
+                admin_billing_transfer_cancel_path(order),
+                method: :post,
+                class: "admin-btn admin-btn--secondary",
+                form: { style: "margin-top:8px", data: { turbo_confirm: t("admin.billing.index.cancel_confirm") } } %>
+        </div>
+      </article>
+    <% end %>
+  </div>
+<% else %>
+  <p class="muted" style="margin-bottom:28px"><%= t("admin.billing.index.transfers_none") %></p>
 <% end %>
 
 <% if @pending_payments.any? %>

backend/app/views/admin/clubs/_quote_form.html.erb

@@ -0,0 +1,71 @@
+<%# locals: (club:, quote:, return_to: nil) %>
+<section class="admin-comped-card" style="margin-bottom:24px;padding:16px;border:1px solid #2e5a3c;border-radius:8px;background:#142018">
+  <h2 style="margin:0 0 8px;font-size:1.1rem"><%= t("admin.quote.title") %></h2>
+  <p style="color:#bbb;font-size:0.9rem;margin:0 0 14px">
+    <%= t("admin.quote.description") %>
+  </p>
+
+  <% if quote %>
+    <p style="margin:0 0 12px">
+      <%= raw t("admin.quote.active_html",
+            plan: quote.plan.name,
+            interval: t("admin.quote.interval_#{quote.billing_interval}"),
+            amount: quote.formatted_amount) %>
+      <% if quote.note.present? %>
+        <br><span style="color:#888;font-size:0.85rem"><%= t("admin.quote.note_label") %> <%= quote.note %></span>
+      <% end %>
+    </p>
+  <% else %>
+    <p style="margin:0 0 12px;color:#888"><%= t("admin.quote.none") %></p>
+  <% end %>
+
+  <%= form_with url: set_quote_admin_club_path(club), method: :post, local: true do %>
+    <%= hidden_field_tag :return_to, return_to if return_to.present? %>
+    <div style="display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end">
+      <label style="display:flex;flex-direction:column;gap:4px;font-size:0.85rem">
+        <%= t("admin.quote.plan_label") %>
+        <%= select_tag :plan_slug,
+              options_for_select(
+                [["Premium Light", "premium_light"], ["Premium Full", "premium_full"]],
+                quote&.plan_slug
+              ),
+              required: true,
+              class: "admin-input" %>
+      </label>
+      <label style="display:flex;flex-direction:column;gap:4px;font-size:0.85rem">
+        <%= t("admin.quote.interval_label") %>
+        <%= select_tag :interval,
+              options_for_select(
+                [[t("admin.quote.interval_yearly"), "yearly"], [t("admin.quote.interval_monthly"), "monthly"]],
+                quote&.billing_interval || "yearly"
+              ),
+              required: true,
+              class: "admin-input" %>
+      </label>
+      <label style="display:flex;flex-direction:column;gap:4px;font-size:0.85rem">
+        <%= t("admin.quote.amount_label") %>
+        <%= text_field_tag :amount_euros,
+              quote ? format("%.2f", quote.amount_cents / 100.0) : nil,
+              placeholder: t("admin.quote.amount_placeholder"),
+              required: true,
+              class: "admin-input",
+              inputmode: "decimal" %>
+      </label>
+      <label style="display:flex;flex-direction:column;gap:4px;font-size:0.85rem;flex:1;min-width:200px">
+        <%= t("admin.quote.commercial_note_label") %>
+        <%= text_field_tag :note, quote&.note, class: "admin-input", style: "width:100%" %>
+      </label>
+      <%= submit_tag t("admin.quote.save_button"), class: "admin-btn admin-btn--primary" %>
+    </div>
+  <% end %>
+
+  <% if quote %>
+    <div style="margin-top:12px">
+      <%= button_to t("admin.quote.revoke_button"),
+            revoke_quote_admin_club_path(club, return_to: return_to),
+            method: :delete,
+            class: "admin-btn admin-btn--secondary",
+            form: { data: { turbo_confirm: t("admin.quote.revoke_confirm", club: club.name) } } %>
+    </div>
+  <% end %>
+</section>

backend/app/views/admin/clubs/index.html.erb

@@ -11,6 +11,7 @@
       <th><%= t("admin.clubs.index.table.teams") %></th>
       <th><%= t("admin.clubs.index.table.comped") %></th>
       <th><%= t("admin.clubs.index.table.stripe") %></th>
+      <th><%= t("admin.clubs.index.table.quote") %></th>
       <th></th>
     </tr>
   </thead>
@@ -30,6 +31,14 @@
           <% end %>
         </td>
         <td><%= sub&.stripe_subscription_id.present? ? t("admin.common.yes") : t("admin.common.dash") %></td>
+        <td>
+          <% quote = club.billing_quote %>
+          <% if quote %>
+            <%= quote.plan.name %> · <%= quote.formatted_amount %>
+          <% else %>
+            <%= t("admin.common.dash") %>
+          <% end %>
+        </td>
         <td>
           <%= link_to t("admin.clubs.index.manage"), admin_club_path(club) %>
           · <%= link_to t("admin.clubs.index.invoices"), admin_billing_path(club_id: club.id) %>

backend/app/views/admin/clubs/show.html.erb

@@ -9,6 +9,7 @@
 </p>
 
 <%= render "admin/clubs/comped_form", club: @club, subscription: @subscription, return_to: admin_club_path(@club) %>
+<%= render "admin/clubs/quote_form", club: @club, quote: @quote, return_to: admin_club_path(@club) %>
 
 <% cred = @club.youtube_credential %>
 <p style="margin-top:16px">

backend/app/views/billing/bank_transfer_mailer/instructions.html.erb

@@ -0,0 +1,25 @@
+<p><%= t("mailers.bank_transfer.instructions.hello") %></p>
+
+<p><%= raw t("mailers.bank_transfer.instructions.intro_html",
+      club: @club.billing_legal_name.presence || @club.name,
+      plan: @order.plan.name,
+      price: @order.price_label) %></p>
+
+<p><%= t("mailers.bank_transfer.instructions.not_active_yet") %></p>
+
+<p>
+  <strong><%= t("mailers.bank_transfer.instructions.iban_label") %></strong> <%= @iban %><br>
+  <strong><%= t("mailers.bank_transfer.instructions.holder_label") %></strong> <%= @holder %><br>
+  <% if @bank_name.present? %>
+    <strong><%= t("mailers.bank_transfer.instructions.bank_label") %></strong> <%= @bank_name %><br>
+  <% end %>
+  <% if @bic.present? %>
+    <strong><%= t("mailers.bank_transfer.instructions.bic_label") %></strong> <%= @bic %><br>
+  <% end %>
+  <strong><%= t("mailers.bank_transfer.instructions.amount_label") %></strong> <%= @order.formatted_amount %><br>
+  <strong><%= t("mailers.bank_transfer.instructions.causal_label") %></strong> <%= @order.payment_causal %>
+</p>
+
+<p><%= raw t("mailers.bank_transfer.instructions.proof_html", email: @proof_email) %></p>
+
+<p><%= t("mailers.bank_transfer.thanks") %><br><%= t("mailers.bank_transfer.signoff") %></p>

backend/app/views/billing/bank_transfer_mailer/instructions.text.erb

@@ -0,0 +1,20 @@
+<%= t("mailers.bank_transfer.instructions.hello") %>
+
+<%= t("mailers.bank_transfer.instructions.intro_text",
+      club: @club.billing_legal_name.presence || @club.name,
+      plan: @order.plan.name,
+      price: @order.price_label) %>
+
+<%= t("mailers.bank_transfer.instructions.not_active_yet") %>
+
+<%= t("mailers.bank_transfer.instructions.iban_label") %> <%= @iban %>
+<%= t("mailers.bank_transfer.instructions.holder_label") %> <%= @holder %>
+<% if @bank_name.present? %><%= t("mailers.bank_transfer.instructions.bank_label") %> <%= @bank_name %>
+<% end %><% if @bic.present? %><%= t("mailers.bank_transfer.instructions.bic_label") %> <%= @bic %>
+<% end %><%= t("mailers.bank_transfer.instructions.amount_label") %> <%= @order.formatted_amount %>
+<%= t("mailers.bank_transfer.instructions.causal_label") %> <%= @order.payment_causal %>
+
+<%= t("mailers.bank_transfer.instructions.proof_text", email: @proof_email) %>
+
+<%= t("mailers.bank_transfer.thanks") %>
+<%= t("mailers.bank_transfer.signoff") %>

backend/app/views/billing/bank_transfer_mailer/plan_activated.html.erb

@@ -0,0 +1,10 @@
+<p><%= t("mailers.bank_transfer.plan_activated.hello") %></p>
+
+<p><%= raw t("mailers.bank_transfer.plan_activated.body_html",
+      plan: @order.plan.name,
+      club: @club.billing_legal_name.presence || @club.name,
+      until_date: @subscription&.current_period_end ? l(@subscription.current_period_end.to_date, format: :long) : t("mailers.bank_transfer.plan_activated.period_fallback")) %></p>
+
+<p><%= t("mailers.bank_transfer.plan_activated.invoice_later") %></p>
+
+<p><%= t("mailers.bank_transfer.thanks") %><br><%= t("mailers.bank_transfer.signoff") %></p>

backend/app/views/billing/bank_transfer_mailer/plan_activated.text.erb

@@ -0,0 +1,11 @@
+<%= t("mailers.bank_transfer.plan_activated.hello") %>
+
+<%= t("mailers.bank_transfer.plan_activated.body_text",
+      plan: @order.plan.name,
+      club: @club.billing_legal_name.presence || @club.name,
+      until_date: @subscription&.current_period_end ? l(@subscription.current_period_end.to_date, format: :long) : t("mailers.bank_transfer.plan_activated.period_fallback")) %>
+
+<%= t("mailers.bank_transfer.plan_activated.invoice_later") %>
+
+<%= t("mailers.bank_transfer.thanks") %>
+<%= t("mailers.bank_transfer.signoff") %>

backend/app/views/billing/invoice_mailer/plan_activated_with_invoice.html.erb

@@ -0,0 +1,12 @@
+<p><%= t("mailers.invoice_activated.hello") %></p>
+
+<p><%= raw t("mailers.invoice_activated.body_html",
+      plan: @invoice.club.subscription&.plan&.name || @invoice.billing_payment&.plan_slug.to_s.humanize,
+      club: @club.billing_legal_name.presence || @club.name,
+      until_date: @invoice.club.subscription&.current_period_end ? l(@invoice.club.subscription.current_period_end.to_date, format: :long) : t("mailers.invoice_activated.period_fallback"),
+      number: @invoice.display_number,
+      amount: @invoice.formatted_amount) %></p>
+
+<p><%= raw t("mailers.invoice.also_html") %></p>
+
+<p><%= t("mailers.invoice.thanks") %><br><%= t("mailers.invoice.signoff") %></p>

backend/app/views/billing/invoice_mailer/plan_activated_with_invoice.text.erb

@@ -0,0 +1,13 @@
+<%= t("mailers.invoice_activated.hello") %>
+
+<%= t("mailers.invoice_activated.body_text",
+      plan: @invoice.club.subscription&.plan&.name || @invoice.billing_payment&.plan_slug.to_s.humanize,
+      club: @club.billing_legal_name.presence || @club.name,
+      until_date: @invoice.club.subscription&.current_period_end ? l(@invoice.club.subscription.current_period_end.to_date, format: :long) : t("mailers.invoice_activated.period_fallback"),
+      number: @invoice.display_number,
+      amount: @invoice.formatted_amount) %>
+
+<%= t("mailers.invoice.also_text") %>
+
+<%= t("mailers.invoice.thanks") %>
+<%= t("mailers.invoice.signoff") %>

backend/app/views/public/clubs/billing.html.erb

@@ -17,11 +17,19 @@
       </p>
     </div>
   <% else %>
-    <%= render "shared/stripe_secure_payment" %>
-    <% if MatchLiveTv.stripe_enabled? %>
+    <% if @quote %>
+      <%= render "shared/quoted_price_banner", quote: @quote %>
+    <% elsif MatchLiveTv.stripe_enabled? %>
+      <%= render "shared/stripe_secure_payment" %>
+    <% end %>
+    <%= render "shared/pending_bank_transfer", order: @pending_transfer %>
+    <% if MatchLiveTv.stripe_enabled? && @quote.blank? %>
       <%= render "shared/plan_change_info", subscription: @subscription %>
     <% end %>
     <%= render "shared/plan_cards", show_stripe_portal: false %>
+    <% if @subscription&.bank_transfer? %>
+      <p class="muted" style="margin-top:16px"><%= raw t("billing.bank_transfer.renewal_html") %></p>
+    <% end %>
     <%= render "shared/subscription_cancel", club: @club, subscription: @subscription %>
   <% end %>
 

backend/app/views/shared/_club_subscription_status.html.erb

@@ -33,4 +33,8 @@
       <% end %>
     <% end %>
   </p>
+<% elsif subscription&.bank_transfer? %>
+  <p style="color:#888;font-size:0.9rem;margin-top:0">
+    <%= raw t("billing.subscription_status.bank_transfer_until_html", date: l_local(subscription.current_period_end.to_date)) %>
+  </p>
 <% end %>

backend/app/views/shared/_pending_bank_transfer.html.erb

@@ -0,0 +1,15 @@
+<%# locals: (order:) %>
+<% return if order.blank? %>
+<div class="card" style="margin-top:16px;border-color:#3d3520;background:#1a1810">
+  <p style="margin:0 0 8px;color:#ddd">
+    <strong><%= t("billing.bank_transfer.pending_title") %></strong>
+    <%= raw t("billing.bank_transfer.pending_body_html",
+          plan: order.plan.name,
+          price: order.price_label,
+          causal: order.payment_causal) %>
+  </p>
+  <p style="margin:0;color:#aaa;font-size:0.9rem">
+    <%= raw t("billing.bank_transfer.pending_proof_html",
+          email_link: mail_to(MatchLiveTv.bank_transfer_proof_email, MatchLiveTv.bank_transfer_proof_email)) %>
+  </p>
+</div>

backend/app/views/shared/_plan_cards.html.erb

@@ -13,7 +13,8 @@
          target_plan: plan,
          stripe_subscription_active: stripe_subscription_active?(subscription),
          current_interval: current_interval,
-         subscription: subscription
+         subscription: subscription,
+         club: club
        ) : nil %>
     <% featured = plan.slug == "premium_full" %>
     <div class="plan-card<%= " plan-card--featured" if featured %>">
@@ -23,6 +24,13 @@
       <%= render "shared/plan_title", plan: plan %>
       <% if plan.slug == "free" %>
         <div class="plan-price">€0</div>
+      <% elsif billing_mode && club&.active_billing_quote&.plan_slug == plan.slug %>
+        <% quote = club.active_billing_quote %>
+        <div class="plan-price-block">
+          <div class="plan-price<%= " plan-price--featured" if featured %>"><%= quote.formatted_amount %></div>
+          <span class="plan-price-badge"><%= t("billing.bank_transfer.quoted_badge") %></span>
+          <p class="plan-price-equiv"><%= t("billing.bank_transfer.quoted_interval.#{quote.billing_interval}") %></p>
+        </div>
       <% else %>
         <% yearly = Billing::Stripe::PriceCatalog.label(plan_slug: plan.slug, interval: "yearly") %>
         <% monthly = Billing::Stripe::PriceCatalog.label(plan_slug: plan.slug, interval: "monthly") %>
@@ -63,12 +71,14 @@
       <% end %>
       <% if billing_mode %>
         <% action_kind = action[:kind] %>
+        <% quote = club&.active_billing_quote %>
+        <% pending_transfer = club&.pending_transfer_order %>
         <% if action_kind == :current %>
           <span class="btn btn-secondary" style="opacity:0.7"><%= action[:label] %></span>
         <% elsif action_kind == :none %>
-        <% elsif action_kind.in?(%i[contact disabled]) %>
+        <% elsif action_kind.in?(%i[contact disabled quoted_other]) %>
           <p class="plan-action-hint"><%= action[:label] %></p>
-        <% elsif action_kind == :checkout_options || action_kind == :change_options || action_kind == :interval_switch %>
+        <% elsif action_kind.in?(%i[checkout_options change_options interval_switch quoted bank_only]) %>
           <% if billing_profile_blocks_premium?(club) %>
             <p class="plan-action-hint" style="color:#e53935;margin-bottom:10px">
               <%= billing_profile_incomplete_message(club) %>
@@ -77,14 +87,33 @@
                   public_club_billing_profile_path(club, plan: plan.slug),
                   class: "btn btn-primary" %>
           <% else %>
-            <div class="plan-interval-actions">
-              <% plan_intervals_for_display(action[:intervals]).each do |interval| %>
-                <% btn_kind = action_kind == :checkout_options ? :checkout_options : action_kind %>
-                <%= link_to plan_interval_button_label(plan, interval, kind: btn_kind),
-                      plan_interval_checkout_path(club, plan, interval),
-                      class: plan_interval_button_class(interval) %>
+            <% unless action_kind.in?(%i[quoted bank_only]) %>
+              <div class="plan-interval-actions">
+                <% plan_intervals_for_display(action[:intervals]).each do |interval| %>
+                  <% btn_kind = action_kind == :checkout_options ? :checkout_options : action_kind %>
+                  <%= link_to plan_interval_button_label(plan, interval, kind: btn_kind),
+                        plan_interval_checkout_path(club, plan, interval),
+                        class: plan_interval_button_class(interval) %>
+                <% end %>
+              </div>
+            <% end %>
+            <% transfer_intervals = action_kind == :quoted ? action[:intervals] : (action[:intervals].presence || bank_transfer_intervals_for(plan)) %>
+            <% if MatchLiveTv.bank_transfer_configured? && transfer_intervals.any? %>
+              <% unless action_kind.in?(%i[quoted bank_only]) %>
+                <p class="plan-action-hint" style="margin:10px 0 6px"><%= t("billing.bank_transfer.or_label") %></p>
               <% end %>
-            </div>
+              <div class="plan-interval-actions">
+                <% plan_intervals_for_display(transfer_intervals).each do |interval| %>
+                  <% next unless show_bank_transfer_for?(club: club, plan: plan, interval: interval, quote: quote, pending_transfer: pending_transfer) %>
+                  <%= button_to t("billing.bank_transfer.pay_button_with_price", price: bank_transfer_price_label(plan, interval, quote: quote)),
+                        public_club_billing_bank_transfer_path(club, plan: plan.slug, interval: interval),
+                        method: :post,
+                        class: "btn btn-outline plan-interval-btn",
+                        form: { data: { turbo_confirm: t("billing.bank_transfer.hint") } } %>
+                <% end %>
+              </div>
+              <p class="plan-action-hint" style="margin-top:8px"><%= t("billing.bank_transfer.hint") %></p>
+            <% end %>
           <% end %>
         <% end %>
       <% elsif plan.slug == "free" %>

backend/app/views/shared/_quoted_price_banner.html.erb

@@ -0,0 +1,11 @@
+<%# locals: (quote:) %>
+<% return if quote.blank? %>
+<div class="card" style="margin-top:16px;border-color:#2e5a3c;background:#142018">
+  <p style="margin:0;color:#ddd">
+    <strong><%= t("billing.bank_transfer.quote_banner_title") %></strong>
+    <%= raw t("billing.bank_transfer.quote_banner_body_html", plan: quote.plan.name, price: quote.price_label) %>
+  </p>
+  <% if quote.note.present? %>
+    <p style="margin:8px 0 0;color:#aaa;font-size:0.9rem"><%= t("billing.bank_transfer.quote_note", note: quote.note) %></p>
+  <% end %>
+</div>

backend/app/views/shared/_subscription_cancel.html.erb

@@ -1,5 +1,5 @@
 <%# locals: (club:, subscription:) %>
-<% return unless subscription&.premium? && subscription.stripe_subscription_id.present? && MatchLiveTv.stripe_enabled? %>
+<% return unless subscription&.premium? && MatchLiveTv.stripe_enabled? && subscription.stripe_subscription_id.present? %>
 
 <section id="subscription-cancel" class="subscription-cancel" style="margin-top:24px;padding:16px;border:1px solid #333;border-radius:8px">
   <% if subscription.cancel_at_period_end? %>