unsupervised-scheduler/docs/features/payments.md

Feature: Payments

Overview

Payment is taken at registration. When Stripe is not configured the platform falls back to e-transfer — a pending payment a studio admin marks received — so everything works without any credentials. When Stripe is configured the default rail becomes the credit card. The studio admin can override any student's method (card / e-transfer / comp). Single bookings are charged once; weekly reservations and group classes are charged the full term upfront. A numbered receipt is emailed automatically when a payment is marked paid.

Implemented: the payment ledger, studio settings, method resolution (e-transfer default with no Stripe; card default when configured; per-student override), the e-transfer/comp flow with admin confirmation + receipts, and integration into booking/enrolment (a registration's payment_id is linked; comp auto-confirms; e-transfer stays pending until confirmed). Deferred to a follow-up: the live Stripe card charge (PaymentIntent + Stripe.js Elements + webhook + stripe/stripe-php). Until then a card payment is created pending and can be confirmed like an e-transfer.

Stripe Configuration

Stripe credentials live in WordPress options, managed on the Studio Settings page (manage_billing, studio admin only):

Option	Notes
us_stripe_publishable_key	Stripe publishable key
us_stripe_secret_key	Stripe secret key
us_stripe_mode	test or live
us_currency	Default ISO 4217 currency, e.g. CAD
us_etransfer_email	Studio-default e-transfer destination
us_hst_rate	Default HST/tax percentage, e.g. 13

HST / Tax

A studio-default HST rate (percentage) is configured on Studio Settings (us_hst_rate, manage_billing). At booking the rate is frozen onto the payment (us_payments.tax_rate) and the tax is computed against the pre-tax subtotal (tax_amount = round(amount × rate / 100, 2)). The billed total is amount + tax_amount (Payment::total()). Comped registrations are never taxed (rate and amount are 0).

The rate is overridable per booking on My Lessons (instructor) while the payment is still unpaid; saving recomputes tax_amount from the current subtotal (PaymentRepository::updateTax). Receipts break out subtotal, HST, and total when tax applies.

Per-Student Billing Method

Each student's billing method is stored in user meta us_payment_method, set by the studio admin (Students → student detail → Billing method). When unset, the studio default applies — card if Stripe is configured, otherwise etransfer (BillingMethodResolver):

Method	Behaviour
card	Charged immediately via Stripe; payment paid on success
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
id	BIGINT UNSIGNED	Primary key
student_id	BIGINT UNSIGNED	WordPress user ID
instructor_id	BIGINT UNSIGNED	WordPress user ID (denormalised for reporting)
registration_type	VARCHAR(20)	lesson or enrollment
registration_id	BIGINT UNSIGNED	FK → us_lessons.id or us_group_enrollments.id
amount	DECIMAL(10,2)	Charged amount in dollars (matches the offering price)
currency	VARCHAR(3)	ISO 4217, e.g. CAD
method	VARCHAR(20)	card / etransfer / comp
status	VARCHAR(20)	pending / paid / failed / refunded
tax_rate	DECIMAL(5,2)	HST rate % frozen at booking; editable until paid
tax_amount	DECIMAL(10,2)	Computed tax in dollars (amount × tax_rate / 100)
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
created_at	DATETIME	Insertion time
paid_at	DATETIME	When marked paid; NULL otherwise

Payment Flow

1. During registration the front-end calls POST /payments/intent, which creates a Stripe PaymentIntent for a card student and returns the client secret. (etransfer returns a pending payment; comp returns none.)
2. The browser confirms the card payment with Stripe.
3. Stripe calls POST /payments/webhook; on payment_intent.succeeded the payment is marked paid, paid_at is stamped, and the linked lesson/enrolment is confirmed.
4. On transition to paid, ReceiptMailer assigns a receipt_number, emails the student a receipt, and stamps receipt_sent_at.
5. For an e-transfer, the studio admin later calls PATCH /payments/{id} to mark it paid, which triggers the same confirmation + receipt.

REST API

Method	Endpoint	Permission
POST	/wp-json/us-scheduler/v1/payments/intent	book_lesson
POST	/wp-json/us-scheduler/v1/payments/webhook	Public (Stripe signature verified)
PATCH	/wp-json/us-scheduler/v1/payments/{id}	manage_billing

See payment-reporting.md for the monthly report and CSV export endpoints.

Implementation

• Repository: Unsupervised\Schedular\Payment\PaymentRepository
• Model: Unsupervised\Schedular\Payment\Payment
• Stripe gateway: Unsupervised\Schedular\Payment\StripeGateway
• Receipts: Unsupervised\Schedular\Payment\ReceiptMailer
• Settings page: Unsupervised\Schedular\Payment\StudioSettings
• REST endpoint: Unsupervised\Schedular\Payment\PaymentEndpoint

Tests

• tests/Unit/Payment/PaymentRepositoryTest.php
• tests/Unit/Payment/PaymentTest.php
• tests/Unit/Payment/StripeGatewayTest.php
• tests/Unit/Payment/ReceiptMailerTest.php