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/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?