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/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