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/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]