Add e-transfer destination email (studio default + offering/booking overrides)

The e-transfer destination is resolved at booking time (offering override ->
studio default) and frozen onto the payment, so each record keeps where the
student was directed. It can then be corrected per booking.

- StudioSettings: us_etransfer_email option + a Default e-transfer email field
  on the Studio Settings page.
- Offering: etransfer_email column/field (instructor override) across VO, repo,
  REST endpoint, admin controller, and form.
- Payment: etransfer_email column on the payment (frozen record) +
  PaymentRepository::updateEtransferEmail; PaymentService freezes it from the
  offering override or studio default at creation; booking/enrolment pass the
  offering override.
- My Lessons: instructors edit the e-transfer email per pending lesson payment
  (ownership-checked).
- Payments queue: studio admin can correct the email at confirmation (for when
  a student sends it to the wrong place).
- Docs updated.

Tests: Payment/Offering rows + PaymentService freezing. composer test (148),
cs, and PHPStan level 6 all pass.

Refs #7

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

docs/features/payments.md

@@ -41,6 +41,18 @@ default applies — `card` if Stripe is configured, otherwise `etransfer`
 | `etransfer`| Payment row created `pending`; admin marks it `paid` when funds arrive |
 | `comp`     | No charge; registration is confirmed immediately, no payment row required |
 
+## E-transfer Destination Email
+Where students send e-transfers is resolved and **frozen onto the payment** at
+booking time (`us_payments.etransfer_email`), so each record keeps the destination
+the student was given. Resolution at creation:
+
+1. **Offering override** — `us_offerings.etransfer_email`, set by the instructor on the offering.
+2. **Studio default** — the `us_etransfer_email` option (Studio Settings, `manage_billing`).
+
+After booking, the destination on a payment can be corrected per booking:
+- **My Lessons** — the instructor edits the e-transfer email for a pending lesson payment.
+- **Payments queue** — when marking an e-transfer received, the studio admin can update the email it was actually sent to before confirming.
+
 ## Data Model — `{prefix}us_payments`
 
 | Column                     | Type             | Notes                                                  |
@@ -54,6 +66,7 @@ default applies — `card` if Stripe is configured, otherwise `etransfer`
 | `currency`                 | VARCHAR(3)       | ISO 4217, e.g. `CAD`                                  |
 | `method`                   | VARCHAR(20)      | `card` / `etransfer` / `comp`                         |
 | `status`                   | VARCHAR(20)      | `pending` / `paid` / `failed` / `refunded`            |
+| `etransfer_email`          | VARCHAR(191)     | Frozen e-transfer destination; editable until confirmed |
 | `stripe_payment_intent_id` | VARCHAR(255)     | Stripe PaymentIntent id; NULL for e-transfer / comp   |
 | `receipt_number`           | VARCHAR(50)      | Sequential receipt id; set when `paid`                |
 | `receipt_sent_at`          | DATETIME         | When the receipt email was sent; NULL until sent      |

src/AdminMenu.php

@@ -42,7 +42,7 @@ class AdminMenu {
 
 	public function __construct( AvailabilityRepository $availability, BookingRepository $bookings, OfferingRepository $offerings, QuestionRepository $questions, PolicyRepository $policies, PolicyVersionRepository $policyVersions, PolicyService $policyService, InviteRepository $invites, EnrollmentRepository $enrollments, StudioSettings $settings, PaymentRepository $payments, PaymentService $paymentService, BillingMethodResolver $resolver ) {
 		$this->availabilityController = new AvailabilityController( $availability, $offerings );
-		$this->lessonController       = new LessonController( $bookings );
+		$this->lessonController       = new LessonController( $bookings, $payments );
 		$this->offeringController     = new OfferingController( $offerings );
 		$this->questionController     = new QuestionController( $questions, $offerings );
 		$this->policyController       = new PolicyController( $policies, $policyVersions, $policyService );

src/Booking/BookingEndpoint.php

@@ -157,7 +157,7 @@ class BookingEndpoint {
 		$this->gate->record( PolicyAcceptance::REG_LESSON, $anchorId, $studentId, $offeringId, $answers, $acceptedVersionIds, $this->clientIp() );
 
 		if ( null !== $offering && $offering->price > 0.0 ) {
-			$this->payments->createForRegistration( Payment::REG_LESSON, $anchorId, $studentId, $slot->instructorId, $offering->price, $offering->currency );
+			$this->payments->createForRegistration( Payment::REG_LESSON, $anchorId, $studentId, $slot->instructorId, $offering->price, $offering->currency, $offering->etransferEmail );
 		}
 
 		return new \WP_REST_Response(

src/Booking/LessonController.php

@@ -4,17 +4,24 @@ declare(strict_types=1);
 namespace Unsupervised\Schedular\Booking;
 
 use Unsupervised\Schedular\Auth\RoleManager;
+use Unsupervised\Schedular\Payment\Payment;
+use Unsupervised\Schedular\Payment\PaymentRepository;
 
 class LessonController {
 
-	public function __construct( private BookingRepository $repository ) {}
+	public function __construct(
+		private BookingRepository $repository,
+		private PaymentRepository $payments,
+	) {}
 
 	public function renderAdminDashboard(): void {
 		if ( ! current_user_can( RoleManager::CAP_VIEW_ALL_LESSONS ) ) {
 			wp_die( esc_html__( 'You do not have permission to view this page.', 'unsupervised-schedular' ) );
 		}
 
-		$lessons = $this->repository->findAllUpcoming();
+		$this->handleEtransferUpdate( false );
+
+		$rows = array_map( fn( Lesson $lesson ): array => $this->row( $lesson ), $this->repository->findAllUpcoming() );
 
 		include USC_PLUGIN_DIR . 'templates/admin/lessons.php';
 	}
@@ -24,8 +31,60 @@ class LessonController {
 			wp_die( esc_html__( 'You do not have permission to view lessons.', 'unsupervised-schedular' ) );
 		}
 
-		$lessons = $this->repository->findUpcomingForInstructor( get_current_user_id() );
+		$this->handleEtransferUpdate( true );
+
+		$rows = array_map( fn( Lesson $lesson ): array => $this->row( $lesson ), $this->repository->findUpcomingForInstructor( get_current_user_id() ) );
 
 		include USC_PLUGIN_DIR . 'templates/admin/lessons.php';
 	}
+
+	/**
+	 * Handle a per-lesson e-transfer email override. When $onlyOwn, the payment
+	 * must belong to the current instructor.
+	 */
+	private function handleEtransferUpdate( bool $onlyOwn ): void {
+		if ( ! isset( $_POST['usc_action'] ) || ! check_admin_referer( 'usc_lesson_action' ) ) {
+			return;
+		}
+
+		// phpcs:disable WordPress.Security.NonceVerification.Missing -- nonce checked above.
+		if ( 'set_etransfer' !== sanitize_key( wp_unslash( $_POST['usc_action'] ?? '' ) ) ) {
+			return;
+		}
+
+		$paymentId = absint( $_POST['payment_id'] ?? 0 );
+		$email     = sanitize_email( wp_unslash( $_POST['etransfer_email'] ?? '' ) );
+		// phpcs:enable WordPress.Security.NonceVerification.Missing
+
+		if ( $paymentId <= 0 ) {
+			return;
+		}
+
+		$payment = $this->payments->findById( $paymentId );
+		if ( null !== $payment && ( ! $onlyOwn || get_current_user_id() === $payment->instructorId ) ) {
+			$this->payments->updateEtransferEmail( $paymentId, '' !== $email ? $email : null );
+		}
+	}
+
+	/**
+	 * Build a display row for a lesson, including its e-transfer payment override.
+	 *
+	 * @return array<string, mixed>
+	 */
+	private function row( Lesson $lesson ): array {
+		$student    = get_userdata( $lesson->studentId );
+		$instructor = get_userdata( $lesson->instructorId );
+		$payment    = null !== $lesson->paymentId ? $this->payments->findById( $lesson->paymentId ) : null;
+
+		return [
+			'student'            => $student ? $student->display_name : (string) $lesson->studentId,
+			'instructor'         => $instructor ? $instructor->display_name : (string) $lesson->instructorId,
+			'slot_id'            => (int) $lesson->slotId,
+			'status'             => $lesson->status,
+			'notes'              => $lesson->notes ?? '',
+			'payment_id'         => $payment ? (int) $payment->id : 0,
+			'etransfer_email'    => $payment ? (string) $payment->etransferEmail : '',
+			'etransfer_editable' => null !== $payment && Payment::METHOD_ETRANSFER === $payment->method && ! $payment->isPaid(),
+		];
+	}
 }

src/GroupClass/EnrollmentEndpoint.php

@@ -105,7 +105,7 @@ class EnrollmentEndpoint {
 		$this->gate->record( PolicyAcceptance::REG_ENROLLMENT, $id, $studentId, $offeringId, $answers, $acceptedVersionIds, $this->clientIp() );
 
 		if ( $offering->price > 0.0 ) {
-			$this->payments->createForRegistration( Payment::REG_ENROLLMENT, $id, $studentId, $offering->instructorId, $offering->price, $offering->currency );
+			$this->payments->createForRegistration( Payment::REG_ENROLLMENT, $id, $studentId, $offering->instructorId, $offering->price, $offering->currency, $offering->etransferEmail );
 		}
 
 		return new \WP_REST_Response(

src/Offering/Offering.php

@@ -39,6 +39,7 @@ class Offering {
 		public readonly ?string $termStart = null,
 		public readonly ?string $termEnd = null,
 		public readonly ?string $scheduleNote = null,
+		public readonly ?string $etransferEmail = null,
 		public readonly bool $isActive = true,
 		public readonly ?int $id = null,
 	) {}
@@ -58,6 +59,7 @@ class Offering {
 			termStart:       $row->term_start,
 			termEnd:         $row->term_end,
 			scheduleNote:    $row->schedule_note,
+			etransferEmail:  $row->etransfer_email,
 			isActive:        (bool) $row->is_active,
 			id:              (int) $row->id,
 		);
@@ -84,6 +86,7 @@ class Offering {
 			'term_start'       => $this->termStart,
 			'term_end'         => $this->termEnd,
 			'schedule_note'    => $this->scheduleNote,
+			'etransfer_email'  => $this->etransferEmail,
 			'is_active'        => $this->isActive,
 		];
 	}

src/Offering/OfferingController.php

@@ -77,6 +77,7 @@ class OfferingController {
 				allowWeekly:     isset( $_POST['allow_weekly'] ),
 				capacity:        $capacity > 0 ? $capacity : null,
 				scheduleNote:    $this->nullableText( sanitize_text_field( wp_unslash( $_POST['schedule_note'] ?? '' ) ) ),
+				etransferEmail:  $this->nullableText( sanitize_email( wp_unslash( $_POST['etransfer_email'] ?? '' ) ) ),
 			)
 		);
 		// phpcs:enable WordPress.Security.NonceVerification.Missing

src/Offering/OfferingEndpoint.php

@@ -95,6 +95,7 @@ class OfferingEndpoint {
 			termStart:       $this->nullableText( $request->get_param( 'term_start' ) ),
 			termEnd:         $this->nullableText( $request->get_param( 'term_end' ) ),
 			scheduleNote:    $this->nullableText( $request->get_param( 'schedule_note' ) ),
+			etransferEmail:  $this->nullableEmail( $request->get_param( 'etransfer_email' ) ),
 			isActive:        null === $request->get_param( 'is_active' ) ? true : (bool) $request->get_param( 'is_active' ),
 		);
 
@@ -139,6 +140,7 @@ class OfferingEndpoint {
 			termStart:       $request->has_param( 'term_start' ) ? $this->nullableText( $request->get_param( 'term_start' ) ) : $existing->termStart,
 			termEnd:         $request->has_param( 'term_end' ) ? $this->nullableText( $request->get_param( 'term_end' ) ) : $existing->termEnd,
 			scheduleNote:    $request->has_param( 'schedule_note' ) ? $this->nullableText( $request->get_param( 'schedule_note' ) ) : $existing->scheduleNote,
+			etransferEmail:  $request->has_param( 'etransfer_email' ) ? $this->nullableEmail( $request->get_param( 'etransfer_email' ) ) : $existing->etransferEmail,
 			isActive:        $request->has_param( 'is_active' ) ? (bool) $request->get_param( 'is_active' ) : $existing->isActive,
 			id:              $id,
 		);
@@ -186,6 +188,12 @@ class OfferingEndpoint {
 		return max( 0.0, (float) $value );
 	}
 
+	private function nullableEmail( mixed $value ): ?string {
+		$email = sanitize_email( (string) $value );
+
+		return '' !== $email ? $email : null;
+	}
+
 	private function nullableInt( mixed $value ): ?int {
 		return ( null === $value || '' === $value ) ? null : (int) $value;
 	}

src/Offering/OfferingRepository.php

@@ -14,11 +14,11 @@ class OfferingRepository {
 	/**
 	 * Column formats aligned to {@see columns()} (instructor_id, kind, title,
 	 * description, duration_minutes, price, currency, billing_mode, allow_weekly,
-	 * capacity, term_start, term_end, schedule_note, is_active).
+	 * capacity, term_start, term_end, schedule_note, etransfer_email, is_active).
 	 *
 	 * @var list<string>
 	 */
-	private const COLUMN_FORMATS = [ '%d', '%s', '%s', '%s', '%d', '%f', '%s', '%s', '%d', '%d', '%s', '%s', '%s', '%d' ];
+	private const COLUMN_FORMATS = [ '%d', '%s', '%s', '%s', '%d', '%f', '%s', '%s', '%d', '%d', '%s', '%s', '%s', '%s', '%d' ];
 
 	public function insert( Offering $offering ): int {
 		$this->db->insert(
@@ -60,6 +60,7 @@ class OfferingRepository {
 			'term_start'       => $offering->termStart,
 			'term_end'         => $offering->termEnd,
 			'schedule_note'    => $offering->scheduleNote,
+			'etransfer_email'  => $offering->etransferEmail,
 			'is_active'        => $offering->isActive ? 1 : 0,
 		];
 	}

src/Payment/Payment.php

@@ -40,6 +40,7 @@ class Payment {
 		public readonly string $currency = 'CAD',
 		public readonly string $method = self::METHOD_ETRANSFER,
 		public readonly string $status = self::STATUS_PENDING,
+		public readonly ?string $etransferEmail = null,
 		public readonly ?string $stripePaymentIntentId = null,
 		public readonly ?string $receiptNumber = null,
 		public readonly ?string $receiptSentAt = null,
@@ -57,6 +58,7 @@ class Payment {
 			currency:              $row->currency,
 			method:                $row->method,
 			status:                $row->status,
+			etransferEmail:        $row->etransfer_email,
 			stripePaymentIntentId: $row->stripe_payment_intent_id,
 			receiptNumber:         $row->receipt_number,
 			receiptSentAt:         $row->receipt_sent_at,
@@ -80,6 +82,7 @@ class Payment {
 			'student_id'        => $this->studentId,
 			'instructor_id'     => $this->instructorId,
 			'registration_type' => $this->registrationType,
+			'etransfer_email'   => $this->etransferEmail,
 			'registration_id'   => $this->registrationId,
 			'amount'            => $this->amount,
 			'currency'          => $this->currency,

src/Payment/PaymentController.php

@@ -20,9 +20,13 @@ class PaymentController {
 		if ( isset( $_POST['usc_action'] ) && check_admin_referer( 'usc_payment_action' ) ) {
 			// phpcs:ignore WordPress.Security.NonceVerification.Missing -- nonce checked above.
 			if ( 'mark_paid' === sanitize_key( wp_unslash( $_POST['usc_action'] ?? '' ) ) ) {
-				// phpcs:ignore WordPress.Security.NonceVerification.Missing
+				// phpcs:disable WordPress.Security.NonceVerification.Missing
 				$paymentId = absint( $_POST['payment_id'] ?? 0 );
+				$email     = sanitize_email( wp_unslash( $_POST['etransfer_email'] ?? '' ) );
+				// phpcs:enable WordPress.Security.NonceVerification.Missing
 				if ( $paymentId > 0 ) {
+					// Record the destination it was actually sent to before confirming.
+					$this->payments->updateEtransferEmail( $paymentId, '' !== $email ? $email : null );
 					$this->service->markPaid( $paymentId );
 				}
 			}
@@ -33,11 +37,12 @@ class PaymentController {
 				$student = get_userdata( $payment->studentId );
 
 				return [
-					'id'      => (int) $payment->id,
-					'student' => $student ? $student->display_name : (string) $payment->studentId,
-					'amount'  => number_format( $payment->amount, 2 ) . ' ' . $payment->currency,
-					'method'  => $payment->method,
-					'for'     => $payment->registrationType . ' #' . $payment->registrationId,
+					'id'              => (int) $payment->id,
+					'student'         => $student ? $student->display_name : (string) $payment->studentId,
+					'amount'          => number_format( $payment->amount, 2 ) . ' ' . $payment->currency,
+					'method'          => $payment->method,
+					'for'             => $payment->registrationType . ' #' . $payment->registrationId,
+					'etransfer_email' => (string) $payment->etransferEmail,
 				];
 			},
 			$this->payments->findPending()

src/Payment/PaymentRepository.php

@@ -23,18 +23,29 @@ class PaymentRepository {
 				'currency'                 => $payment->currency,
 				'method'                   => $payment->method,
 				'status'                   => $payment->status,
+				'etransfer_email'          => $payment->etransferEmail,
 				'stripe_payment_intent_id' => $payment->stripePaymentIntentId,
 				'receipt_number'           => $payment->receiptNumber,
 				'receipt_sent_at'          => $payment->receiptSentAt,
 				'paid_at'                  => $payment->paidAt,
 				'created_at'               => current_time( 'mysql' ),
 			],
-			[ '%d', '%d', '%s', '%d', '%f', '%s', '%s', '%s', '%s', '%s', '%s', '%s', '%s' ]
+			[ '%d', '%d', '%s', '%d', '%f', '%s', '%s', '%s', '%s', '%s', '%s', '%s', '%s', '%s' ]
 		);
 
 		return $this->db->insert_id;
 	}
 
+	public function updateEtransferEmail( int $id, ?string $email ): bool {
+		return false !== $this->db->update(
+			$this->table,
+			[ 'etransfer_email' => $email ],
+			[ 'id' => $id ],
+			[ '%s' ],
+			[ '%d' ]
+		);
+	}
+
 	public function findById( int $id ): ?Payment {
 		$row = $this->db->get_row(
 			$this->db->prepare( "SELECT * FROM {$this->table} WHERE id = %d", $id )

src/Payment/PaymentService.php

@@ -19,15 +19,17 @@ class PaymentService {
 		private ReceiptMailer $mailer,
 		private BookingRepository $bookings,
 		private EnrollmentRepository $enrollments,
+		private StudioSettings $settings,
 	) {}
 
 	/**
 	 * Create the payment for a new registration and link it. Comped students are
 	 * marked paid and confirmed immediately; everyone else gets a pending payment
-	 * (card via Stripe — coming soon; e-transfer confirmed manually). Returns null
-	 * when the registration has no price to charge.
+	 * (card via Stripe — coming soon; e-transfer confirmed manually). The
+	 * e-transfer destination is frozen now from the offering override or the studio
+	 * default. Returns null when the registration has no price to charge.
 	 */
-	public function createForRegistration( string $type, int $registrationId, int $studentId, int $instructorId, float $amount, string $currency ): ?Payment {
+	public function createForRegistration( string $type, int $registrationId, int $studentId, int $instructorId, float $amount, string $currency, ?string $offeringEtransferEmail = null ): ?Payment {
 		if ( $amount <= 0.0 ) {
 			return null;
 		}
@@ -35,6 +37,10 @@ class PaymentService {
 		$method = $this->resolver->resolve( $studentId );
 		$status = Payment::METHOD_COMP === $method ? Payment::STATUS_PAID : Payment::STATUS_PENDING;
 
+		$etransferEmail = null !== $offeringEtransferEmail && '' !== $offeringEtransferEmail
+			? $offeringEtransferEmail
+			: ( '' !== $this->settings->etransferEmail() ? $this->settings->etransferEmail() : null );
+
 		$id = $this->payments->insert(
 			new Payment(
 				studentId:        $studentId,
@@ -45,6 +51,7 @@ class PaymentService {
 				currency:         $currency,
 				method:           $method,
 				status:           $status,
+				etransferEmail:   $etransferEmail,
 			)
 		);
 

src/Payment/StudioSettings.php

@@ -7,10 +7,11 @@ use Unsupervised\Schedular\Auth\RoleManager;
 
 class StudioSettings {
 
-	public const OPT_PUBLISHABLE = 'us_stripe_publishable_key';
-	public const OPT_SECRET      = 'us_stripe_secret_key';
-	public const OPT_MODE        = 'us_stripe_mode';
-	public const OPT_CURRENCY    = 'us_currency';
+	public const OPT_PUBLISHABLE     = 'us_stripe_publishable_key';
+	public const OPT_SECRET          = 'us_stripe_secret_key';
+	public const OPT_MODE            = 'us_stripe_mode';
+	public const OPT_CURRENCY        = 'us_currency';
+	public const OPT_ETRANSFER_EMAIL = 'us_etransfer_email';
 
 	public function publishableKey(): string {
 		return (string) get_option( self::OPT_PUBLISHABLE, '' );
@@ -30,6 +31,14 @@ class StudioSettings {
 		return '' !== $currency ? strtoupper( $currency ) : 'CAD';
 	}
 
+	/**
+	 * The studio-default e-transfer destination email (used when an offering has
+	 * no override).
+	 */
+	public function etransferEmail(): string {
+		return (string) get_option( self::OPT_ETRANSFER_EMAIL, '' );
+	}
+
 	/**
 	 * Whether Stripe is configured. When false the platform falls back to
 	 * e-transfer billing and card processing is unavailable.
@@ -51,6 +60,7 @@ class StudioSettings {
 		$secretKey        = $this->secretKey();
 		$mode             = $this->mode();
 		$currency         = $this->currency();
+		$etransferEmail   = $this->etransferEmail();
 		$stripeConfigured = $this->isStripeConfigured();
 
 		include USC_PLUGIN_DIR . 'templates/admin/settings.php';
@@ -64,6 +74,7 @@ class StudioSettings {
 		update_option( self::OPT_SECRET, sanitize_text_field( wp_unslash( $_POST['secret_key'] ?? '' ) ) );
 		update_option( self::OPT_MODE, 'live' === $mode ? 'live' : 'test' );
 		update_option( self::OPT_CURRENCY, strtoupper( sanitize_text_field( wp_unslash( $_POST['currency'] ?? 'CAD' ) ) ) );
+		update_option( self::OPT_ETRANSFER_EMAIL, sanitize_email( wp_unslash( $_POST['etransfer_email'] ?? '' ) ) );
 		// phpcs:enable WordPress.Security.NonceVerification.Missing
 	}
 }

src/Plugin.php

@@ -44,7 +44,7 @@ class Plugin {
 		$paymentRepo    = new PaymentRepository( $wpdb );
 		$settings       = new StudioSettings();
 		$resolver       = new BillingMethodResolver( $settings );
-		$paymentService = new PaymentService( $paymentRepo, $resolver, new ReceiptMailer(), $bookings, $enrollments );
+		$paymentService = new PaymentService( $paymentRepo, $resolver, new ReceiptMailer(), $bookings, $enrollments, $settings );
 
 		( new RoleManager() )->register();
 		( new AdminMenu( $availability, $bookings, $offerings, $questions, $policies, $policyVersions, $policyService, $invites, $enrollments, $settings, $paymentRepo, $paymentService, $resolver ) )->register();

src/Schema.php

@@ -64,6 +64,7 @@ class Schema {
                 term_start       DATE            DEFAULT NULL,
                 term_end         DATE            DEFAULT NULL,
                 schedule_note    VARCHAR(191)    DEFAULT NULL,
+                etransfer_email  VARCHAR(191)    DEFAULT NULL,
                 is_active        TINYINT(1)      NOT NULL DEFAULT 1,
                 created_at       DATETIME        NOT NULL,
                 PRIMARY KEY (id),
@@ -150,6 +151,7 @@ class Schema {
                 currency                 VARCHAR(3)      NOT NULL DEFAULT 'CAD',
                 method                   VARCHAR(20)     NOT NULL DEFAULT 'etransfer',
                 status                   VARCHAR(20)     NOT NULL DEFAULT 'pending',
+                etransfer_email          VARCHAR(191)    DEFAULT NULL,
                 stripe_payment_intent_id VARCHAR(255)    DEFAULT NULL,
                 receipt_number           VARCHAR(50)     DEFAULT NULL,
                 receipt_sent_at          DATETIME        DEFAULT NULL,

templates/admin/lessons.php

@@ -5,12 +5,12 @@ if (! defined('ABSPATH')) {
     exit;
 }
 
-/** @var list<\Unsupervised\Schedular\Model\Lesson> $lessons */
+/** @var list<array{student: string, instructor: string, slot_id: int, status: string, notes: string, payment_id: int, etransfer_email: string, etransfer_editable: bool}> $rows */
 ?>
 <div class="wrap">
     <h1><?php esc_html_e('Lessons', 'unsupervised-schedular'); ?></h1>
 
-    <?php if (empty($lessons)) : ?>
+    <?php if (empty($rows)) : ?>
         <p><?php esc_html_e('No upcoming lessons.', 'unsupervised-schedular'); ?></p>
     <?php else : ?>
         <table class="wp-list-table widefat fixed striped">
@@ -20,21 +20,31 @@ if (! defined('ABSPATH')) {
                     <th><?php esc_html_e('Instructor', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Slot ID', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Status', 'unsupervised-schedular'); ?></th>
+                    <th><?php esc_html_e('E-transfer email', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Notes', 'unsupervised-schedular'); ?></th>
                 </tr>
             </thead>
             <tbody>
-                <?php foreach ($lessons as $lesson) : ?>
-                    <?php
-                    $student    = get_userdata($lesson->studentId);
-                    $instructor = get_userdata($lesson->instructorId);
-                    ?>
+                <?php foreach ($rows as $row) : ?>
                     <tr>
-                        <td><?php echo esc_html($student ? $student->display_name : (string) $lesson->studentId); ?></td>
-                        <td><?php echo esc_html($instructor ? $instructor->display_name : (string) $lesson->instructorId); ?></td>
-                        <td><?php echo esc_html((string) $lesson->slotId); ?></td>
-                        <td><?php echo esc_html($lesson->status); ?></td>
-                        <td><?php echo esc_html($lesson->notes ?? ''); ?></td>
+                        <td><?php echo esc_html($row['student']); ?></td>
+                        <td><?php echo esc_html($row['instructor']); ?></td>
+                        <td><?php echo esc_html((string) $row['slot_id']); ?></td>
+                        <td><?php echo esc_html($row['status']); ?></td>
+                        <td>
+                            <?php if ($row['etransfer_editable']) : ?>
+                                <form method="post" style="display:flex; gap:4px;">
+                                    <?php wp_nonce_field('usc_lesson_action'); ?>
+                                    <input type="hidden" name="usc_action" value="set_etransfer">
+                                    <input type="hidden" name="payment_id" value="<?php echo esc_attr((string) $row['payment_id']); ?>">
+                                    <input type="email" name="etransfer_email" value="<?php echo esc_attr($row['etransfer_email']); ?>">
+                                    <button type="submit" class="button button-small"><?php esc_html_e('Save', 'unsupervised-schedular'); ?></button>
+                                </form>
+                            <?php else : ?>
+                                <?php echo esc_html('' !== $row['etransfer_email'] ? $row['etransfer_email'] : '—'); ?>
+                            <?php endif; ?>
+                        </td>
+                        <td><?php echo esc_html($row['notes']); ?></td>
                     </tr>
                 <?php endforeach; ?>
             </tbody>

templates/admin/offerings.php

@@ -59,6 +59,10 @@ if (! defined('ABSPATH')) {
                 <th><label for="schedule_note"><?php esc_html_e('Schedule note', 'unsupervised-schedular'); ?></label></th>
                 <td><input type="text" name="schedule_note" id="schedule_note" class="regular-text" placeholder="<?php esc_attr_e('e.g. Tuesdays 4:00pm', 'unsupervised-schedular'); ?>"></td>
             </tr>
+            <tr>
+                <th><label for="etransfer_email"><?php esc_html_e('E-transfer email', 'unsupervised-schedular'); ?></label></th>
+                <td><input type="email" name="etransfer_email" id="etransfer_email" class="regular-text" placeholder="<?php esc_attr_e('Overrides the studio default', 'unsupervised-schedular'); ?>"></td>
+            </tr>
         </table>
         <?php submit_button(esc_html__('Add Offering', 'unsupervised-schedular')); ?>
     </form>

templates/admin/payments.php

@@ -5,11 +5,11 @@ if (! defined('ABSPATH')) {
     exit;
 }
 
-/** @var list<array{id: int, student: string, amount: string, method: string, for: string}> $rows */
+/** @var list<array{id: int, student: string, amount: string, method: string, for: string, etransfer_email: string}> $rows */
 ?>
 <div class="wrap">
     <h1><?php esc_html_e('Payments', 'unsupervised-schedular'); ?></h1>
-    <p class="description"><?php esc_html_e('Pending payments awaiting confirmation. Marking one received confirms the booking and emails a receipt.', 'unsupervised-schedular'); ?></p>
+    <p class="description"><?php esc_html_e('Pending payments awaiting confirmation. Marking one received confirms the booking and emails a receipt. You can correct the e-transfer email here if the student sent it elsewhere.', 'unsupervised-schedular'); ?></p>
 
     <?php if (empty($rows)) : ?>
         <p><?php esc_html_e('No pending payments.', 'unsupervised-schedular'); ?></p>
@@ -21,26 +21,28 @@ if (! defined('ABSPATH')) {
                     <th><?php esc_html_e('For', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Amount', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Method', 'unsupervised-schedular'); ?></th>
+                    <th><?php esc_html_e('E-transfer email', 'unsupervised-schedular'); ?></th>
                     <th><?php esc_html_e('Actions', 'unsupervised-schedular'); ?></th>
                 </tr>
             </thead>
             <tbody>
                 <?php foreach ($rows as $row) : ?>
                     <tr>
-                        <td><?php echo esc_html($row['student']); ?></td>
-                        <td><?php echo esc_html($row['for']); ?></td>
-                        <td><?php echo esc_html($row['amount']); ?></td>
-                        <td><?php echo esc_html($row['method']); ?></td>
-                        <td>
-                            <form method="post" style="display:inline;">
-                                <?php wp_nonce_field('usc_payment_action'); ?>
-                                <input type="hidden" name="usc_action" value="mark_paid">
-                                <input type="hidden" name="payment_id" value="<?php echo esc_attr((string) $row['id']); ?>">
+                        <form method="post">
+                            <?php wp_nonce_field('usc_payment_action'); ?>
+                            <input type="hidden" name="usc_action" value="mark_paid">
+                            <input type="hidden" name="payment_id" value="<?php echo esc_attr((string) $row['id']); ?>">
+                            <td><?php echo esc_html($row['student']); ?></td>
+                            <td><?php echo esc_html($row['for']); ?></td>
+                            <td><?php echo esc_html($row['amount']); ?></td>
+                            <td><?php echo esc_html($row['method']); ?></td>
+                            <td><input type="email" name="etransfer_email" class="regular-text" value="<?php echo esc_attr($row['etransfer_email']); ?>"></td>
+                            <td>
                                 <button type="submit" class="button button-small button-primary">
                                     <?php esc_html_e('Mark received', 'unsupervised-schedular'); ?>
                                 </button>
-                            </form>
-                        </td>
+                            </td>
+                        </form>
                     </tr>
                 <?php endforeach; ?>
             </tbody>

templates/admin/settings.php

@@ -10,6 +10,7 @@ if (! defined('ABSPATH')) {
  * @var string $secretKey
  * @var string $mode
  * @var string $currency
+ * @var string $etransferEmail
  * @var bool   $stripeConfigured
  */
 ?>
@@ -53,6 +54,17 @@ if (! defined('ABSPATH')) {
                 <td><input type="text" name="currency" id="currency" class="small-text" maxlength="3" value="<?php echo esc_attr($currency); ?>"></td>
             </tr>
         </table>
+
+        <h2><?php esc_html_e('E-transfer', 'unsupervised-schedular'); ?></h2>
+        <table class="form-table">
+            <tr>
+                <th><label for="etransfer_email"><?php esc_html_e('Default e-transfer email', 'unsupervised-schedular'); ?></label></th>
+                <td>
+                    <input type="email" name="etransfer_email" id="etransfer_email" class="regular-text" value="<?php echo esc_attr($etransferEmail); ?>">
+                    <p class="description"><?php esc_html_e('Where students send e-transfers, unless an offering overrides it. Instructors can also override per offering or per booking.', 'unsupervised-schedular'); ?></p>
+                </td>
+            </tr>
+        </table>
         <?php submit_button(esc_html__('Save Settings', 'unsupervised-schedular')); ?>
     </form>
 </div>

tests/Unit/Offering/OfferingRepositoryTest.php

@@ -176,6 +176,7 @@ class OfferingRepositoryTest extends TestCase
             'term_start'       => null,
             'term_end'         => null,
             'schedule_note'    => null,
+            'etransfer_email'  => null,
             'is_active'        => '1',
         ];
     }

tests/Unit/Offering/OfferingTest.php

@@ -59,6 +59,7 @@ class OfferingTest extends TestCase
             'term_start'       => '2026-09-01',
             'term_end'         => '2027-06-30',
             'schedule_note'    => 'Tuesdays 4:00pm',
+            'etransfer_email'  => null,
             'is_active'        => '1',
         ];
 

tests/Unit/Payment/PaymentRepositoryTest.php

@@ -98,6 +98,7 @@ class PaymentRepositoryTest extends TestCase
             'currency'                 => 'CAD',
             'method'                   => Payment::METHOD_ETRANSFER,
             'status'                   => Payment::STATUS_PENDING,
+            'etransfer_email'          => null,
             'stripe_payment_intent_id' => null,
             'receipt_number'           => null,
             'receipt_sent_at'          => null,

tests/Unit/Payment/PaymentServiceTest.php

@@ -13,6 +13,7 @@ use Unsupervised\Schedular\Payment\Payment;
 use Unsupervised\Schedular\Payment\PaymentRepository;
 use Unsupervised\Schedular\Payment\PaymentService;
 use Unsupervised\Schedular\Payment\ReceiptMailer;
+use Unsupervised\Schedular\Payment\StudioSettings;
 use Unsupervised\Schedular\Tests\Unit\TestCase;
 
 class PaymentServiceTest extends TestCase
@@ -22,6 +23,7 @@ class PaymentServiceTest extends TestCase
     private ReceiptMailer $mailer;
     private BookingRepository $bookings;
     private EnrollmentRepository $enrollments;
+    private StudioSettings $settings;
     private PaymentService $service;
 
     protected function setUp(): void
@@ -33,13 +35,16 @@ class PaymentServiceTest extends TestCase
         $this->mailer      = Mockery::mock(ReceiptMailer::class);
         $this->bookings    = Mockery::mock(BookingRepository::class);
         $this->enrollments = Mockery::mock(EnrollmentRepository::class);
+        $this->settings    = Mockery::mock(StudioSettings::class);
+        $this->settings->shouldReceive('etransferEmail')->andReturn('');
 
         $this->service = new PaymentService(
             $this->payments,
             $this->resolver,
             $this->mailer,
             $this->bookings,
-            $this->enrollments
+            $this->enrollments,
+            $this->settings
         );
 
         Functions\when('get_userdata')->justReturn(false);
@@ -71,6 +76,21 @@ class PaymentServiceTest extends TestCase
         self::assertSame(Payment::STATUS_PENDING, $result->status);
     }
 
+    public function testOfferingEtransferEmailIsFrozenOntoPayment(): void
+    {
+        $this->resolver->shouldReceive('resolve')->with(5)->andReturn(Payment::METHOD_ETRANSFER);
+        $this->payments->shouldReceive('insert')
+            ->once()
+            ->with(Mockery::on(static fn (Payment $p): bool => $p->etransferEmail === 'pay@studio.test'))
+            ->andReturn(50);
+        $this->bookings->shouldReceive('setPaymentId')->once()->with(12, 50);
+        $this->payments->shouldReceive('findById')->with(50)->andReturn($this->payment(Payment::METHOD_ETRANSFER, Payment::STATUS_PENDING, 50));
+
+        self::assertNotNull(
+            $this->service->createForRegistration(Payment::REG_LESSON, 12, 5, 3, 35.00, 'CAD', 'pay@studio.test')
+        );
+    }
+
     public function testCompIsPaidAndConfirmsImmediately(): void
     {
         $this->resolver->shouldReceive('resolve')->with(5)->andReturn(Payment::METHOD_COMP);

tests/Unit/Payment/PaymentTest.php

@@ -39,6 +39,7 @@ class PaymentTest extends TestCase
             'currency'                 => 'CAD',
             'method'                   => Payment::METHOD_COMP,
             'status'                   => Payment::STATUS_PAID,
+            'etransfer_email'          => null,
             'stripe_payment_intent_id' => null,
             'receipt_number'           => 'USC-7',
             'receipt_sent_at'          => null,