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/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