From 33c8ee890cc0af5dc348224c98b1e98b71e52281 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:34:48 +0530
Subject: [PATCH 01/12] docs(B4-A): lock club collection, cancellation and
 receipt contract

---
 docs/B4_CLUB_FINANCE.md | 36 ++++++++++++++++++++++++++++++++++++
 1 file changed, 36 insertions(+)
 create mode 100644 docs/B4_CLUB_FINANCE.md

diff --git a/docs/B4_CLUB_FINANCE.md b/docs/B4_CLUB_FINANCE.md
new file mode 100644
index 0000000..0fab7d1
--- /dev/null
+++ b/docs/B4_CLUB_FINANCE.md
@@ -0,0 +1,36 @@
+# B4 — Externally recorded club payments, dues and receipts
+
+Product contract approved for implementation 12 November 2026. B4 is **club operations bookkeeping**, not payment processing, a gateway, statutory invoicing, or ClubKeep SaaS billing.
+
+## Vocabulary and data ownership
+- A **charge** is the existing immutable MemberSubscription term price snapshot, denominated in integer minor units with ISO currency. Its amount is an internal expected club fee, **not recognized revenue**. No second invoice/charge record is silently created on renewal.
+- A **recorded collection** is staff's attestation that the club received money externally by CASH, UPI, CARD or OTHER. Never infer payment from assignment, check-in, QR, or membership expiry.
+- **Outstanding dues** = max(0, term snapshot price - sum(nonreversed payment records allocated to that term)). No cross-term auto-credit, cross-currency netting or unallocated suspense in B4.
+- Canceled membership terms are **excluded from actionable dues**, but original charges, payments and cancellations remain visible; cancellation never implies a refund or automatically deletes a payment.
+- A **reversal** corrects a mistaken payment entry, NOT a payment gateway refund. One append-only reversal row per payment, with an owner/manager, reason, audit and timestamp. The original receipt is retained and explicitly marked VOID.
+- Owner receipt numbers monotonically increment per club, never reuse after a reversal. Printable receipt is proof of an externally **staff-recorded payment**, not a compliant GST/tax invoice and not gateway confirmation.
+- Receipt snapshots preserve club name, member name/number, membership term, currency and amount as at recording, despite later edits/renames.
+- If any club has membership terms in more than one currency, dashboards and totals remain separated by currency. Don't present mixed money as one total.
+- Funds never move through ClubKeep. No card PAN/CVV, bank credentials, UPI PIN, processing, disbursement, gateway webhooks, refunds, taxes, statutory invoices or ClubKeep subscription checkout.
+
+## Behavior
+- OWNER/MANAGER/STAFF may record a collection for an ACTIVE member and noncancelled term, up to its remaining balance. OWNER/MANAGER may reverse one mistaken entry; STAFF cannot reverse.
+- New collection's receivedAt defaults to trusted server time. No backdating in B4. Include optional external reference and note; neither is a verification claim.
+- Every mutation requires verified session, exact-origin CSRF, isolated Redis rate limiting, bounded request, Zod parsing, club role, tenant status/readiness and immutable append-only transaction.
+- Idempotency keys are UUIDs; concurrent retries serialize and replay the same result only for exactly matching payload. Collision with a different payload returns 409. Zero fee terms cannot have positive payments.
+- Payment flow uses a club-scoped row lock to serialize receipt numbering and term balance, plus composite foreign keys for tenant isolation. Database CHECKs enforce positive amounts, and append-only triggers protect historical rows.
+- Receipt/ledger screens and member financial history are authenticated and \`no-store\`. Owner/manager dashboard and full ledger, staff member-attached recording and receipt view; no open public financial data. The user-facing Personal domain never appears in Business finance queries.
+- Record list and dues list must page; never fetch all payments or terms in the browser.
+- Free/Starter/Growth/Pro pre-approved caps remain unchanged. No Free monthly transaction quota value is invented. No automatic conversion of currency/amount.
+- Use Luxe visual tokens and mobile 360/390px, tablet, desktop; provide accessible forms, pending/loading/errors, and honest empty states.
+
+## Routes
+- \`/clubs/[clubId]/finance\` (owner/manager collections, outstanding dues and financial trends)
+- \`/clubs/[clubId]/finance/payments\` (owner/manager immutable ledger and audit reversals)
+- \`/clubs/[clubId]/finance/dues\` (owner/manager pagination)
+- \`/clubs/[clubId]/finance/receipts/[paymentId]\` (owner/manager/staff private printable receipt)
+- \`POST /api/clubs/[clubId]/finance/payments\` and \`POST /api/clubs/[clubId]/finance/payments/[paymentId]/reverse\` (strict protected mutations)
+- Existing member details include payment form, term balance, payment history and receipt link.
+
+## Release gates
+Fresh/populated/legacy/noop Prisma PG17 migration and schema drift; unique receipt/idempotency, composite FKs, server-side authorization, reversal append-only, concurrent double-submit, multi-currency amounts, cancellation and no Personal access. Existing B1/B2/B3 and native x64/ARM64 standalone CI, targeted visual accessibility and privacy checks, off-host restore and MenuMinute isolation. Merge/deploy separately from writing code.

From 191fc70cb447c85d38d1f3590ca3f690a9a0a904 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:35:53 +0530
Subject: [PATCH 02/12] feat(B4-B): append-only tenant-scoped payment, reversal
 and receipt schema

---
 .../migration.sql                             | 76 +++++++++++++++++++
 prisma/schema.prisma                          | 73 ++++++++++++++++++
 2 files changed, 149 insertions(+)
 create mode 100644 prisma/migrations/20261112010000_b4_club_finance/migration.sql

diff --git a/prisma/migrations/20261112010000_b4_club_finance/migration.sql b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
new file mode 100644
index 0000000..c27f162
--- /dev/null
+++ b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
@@ -0,0 +1,76 @@
+-- B4 ledger: additive, no changes to membership terms or existing prices.
+CREATE TYPE "ClubPaymentMethod" AS ENUM ('CASH','UPI','CARD','OTHER');
+
+ALTER TABLE "Club" ADD COLUMN "receiptSequence" INTEGER NOT NULL DEFAULT 0;
+ALTER TABLE "Club" ADD CONSTRAINT "Club_receiptSequence_check" CHECK ("receiptSequence" >= 0);
+CREATE UNIQUE INDEX "MemberSubscription_clubId_id_key" ON "MemberSubscription"("clubId","id");
+
+CREATE TABLE "ClubPayment" (
+  "id" TEXT NOT NULL,
+  "clubId" TEXT NOT NULL,
+  "memberRecordId" TEXT NOT NULL,
+  "subscriptionId" TEXT NOT NULL,
+  "receiptNo" INTEGER NOT NULL,
+  "operationKey" TEXT NOT NULL,
+  "amountMinor" INTEGER NOT NULL,
+  "currency" VARCHAR(3) NOT NULL,
+  "method" "ClubPaymentMethod" NOT NULL,
+  "externalReference" VARCHAR(120),
+  "note" VARCHAR(240),
+  "receivedAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  "recordedByUserId" TEXT NOT NULL,
+  "clubName" VARCHAR(200) NOT NULL,
+  "memberName" VARCHAR(100) NOT NULL,
+  "memberNumber" INTEGER NOT NULL,
+  "planName" VARCHAR(90) NOT NULL,
+  "termPriceMinor" INTEGER NOT NULL,
+  "termStartsAt" TIMESTAMP(3) NOT NULL,
+  "termEndsAt" TIMESTAMP(3) NOT NULL,
+
+  CONSTRAINT "ClubPayment_pkey" PRIMARY KEY ("id"),
+  CONSTRAINT "ClubPayment_amount_check" CHECK ("amountMinor" > 0 AND "amountMinor" <= 100000000),
+  CONSTRAINT "ClubPayment_receipt_check" CHECK ("receiptNo" > 0),
+  CONSTRAINT "ClubPayment_termPrice_check" CHECK ("termPriceMinor" >= 0),
+  CONSTRAINT "ClubPayment_currency_check" CHECK ("currency" ~ '^[A-Z]{3}$'),
+  CONSTRAINT "ClubPayment_memberNumber_check" CHECK ("memberNumber" >= 0),
+  CONSTRAINT "ClubPayment_clubId_fkey" FOREIGN KEY ("clubId") REFERENCES "Club"("id") ON DELETE RESTRICT ON UPDATE CASCADE,
+  CONSTRAINT "ClubPayment_clubId_memberRecordId_fkey" FOREIGN KEY ("clubId","memberRecordId") REFERENCES "ClubMemberRecord"("clubId","id") ON DELETE RESTRICT ON UPDATE CASCADE,
+  CONSTRAINT "ClubPayment_clubId_subscriptionId_fkey" FOREIGN KEY ("clubId","subscriptionId") REFERENCES "MemberSubscription"("clubId","id") ON DELETE RESTRICT ON UPDATE CASCADE,
+  CONSTRAINT "ClubPayment_recordedByUserId_fkey" FOREIGN KEY ("recordedByUserId") REFERENCES "user"("id") ON DELETE RESTRICT ON UPDATE CASCADE
+);
+CREATE UNIQUE INDEX "ClubPayment_operationKey_key" ON "ClubPayment"("operationKey");
+CREATE UNIQUE INDEX "ClubPayment_clubId_id_key" ON "ClubPayment"("clubId","id");
+CREATE UNIQUE INDEX "ClubPayment_clubId_receiptNo_key" ON "ClubPayment"("clubId","receiptNo");
+CREATE INDEX "ClubPayment_clubId_receivedAt_id_idx" ON "ClubPayment"("clubId","receivedAt" DESC,"id" DESC);
+CREATE INDEX "ClubPayment_clubId_memberRecordId_createdAt_idx" ON "ClubPayment"("clubId","memberRecordId","createdAt" DESC);
+CREATE INDEX "ClubPayment_clubId_subscriptionId_idx" ON "ClubPayment"("clubId","subscriptionId");
+
+CREATE TABLE "ClubPaymentReversal" (
+  "id" TEXT NOT NULL,
+  "clubId" TEXT NOT NULL,
+  "paymentId" TEXT NOT NULL,
+  "reason" VARCHAR(240) NOT NULL,
+  "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  "reversedByUserId" TEXT NOT NULL,
+  CONSTRAINT "ClubPaymentReversal_pkey" PRIMARY KEY ("id"),
+  CONSTRAINT "ClubPaymentReversal_reason_check" CHECK (char_length(btrim("reason")) BETWEEN 8 AND 240),
+  CONSTRAINT "ClubPaymentReversal_clubId_fkey" FOREIGN KEY ("clubId") REFERENCES "Club"("id") ON DELETE RESTRICT ON UPDATE CASCADE,
+  CONSTRAINT "ClubPaymentReversal_clubId_paymentId_fkey" FOREIGN KEY ("clubId","paymentId") REFERENCES "ClubPayment"("clubId","id") ON DELETE RESTRICT ON UPDATE CASCADE,
+  CONSTRAINT "ClubPaymentReversal_reversedByUserId_fkey" FOREIGN KEY ("reversedByUserId") REFERENCES "user"("id") ON DELETE RESTRICT ON UPDATE CASCADE
+);
+CREATE UNIQUE INDEX "ClubPaymentReversal_paymentId_key" ON "ClubPaymentReversal"("paymentId");
+CREATE INDEX "ClubPaymentReversal_clubId_createdAt_idx" ON "ClubPaymentReversal"("clubId","createdAt" DESC);
+
+-- A reversal is the only correction path; financial entries cannot be edited or deleted.
+CREATE FUNCTION clubkeep_finance_append_only() RETURNS TRIGGER AS $$
+BEGIN
+  RAISE EXCEPTION 'ClubKeep finance ledger is append-only; create a reversal instead';
+END;
+$$ LANGUAGE plpgsql;
+CREATE TRIGGER "ClubPayment_immutable"
+  BEFORE UPDATE OR DELETE ON "ClubPayment"
+  FOR EACH ROW EXECUTE FUNCTION clubkeep_finance_append_only();
+CREATE TRIGGER "ClubPaymentReversal_immutable"
+  BEFORE UPDATE OR DELETE ON "ClubPaymentReversal"
+  FOR EACH ROW EXECUTE FUNCTION clubkeep_finance_append_only();
diff --git a/prisma/schema.prisma b/prisma/schema.prisma
index a17c5d3..64afd08 100644
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -38,6 +38,8 @@ model User {
   securityEvents      SecurityEvent[] @relation("SecurityEventActor")
   memberEvents        MemberEvent[]
   recordedAttendance  ClubAttendance[] @relation("AttendanceRecorder")
+  recordedClubPayments ClubPayment[] @relation("ClubPaymentRecorder")
+  reversedClubPayments ClubPaymentReversal[] @relation("ClubPaymentReversalActor")
 
   @@map("user")
 }
@@ -172,6 +174,7 @@ model Club {
   // Provisional tenant entitlements; no public tier-switching or checkout in B1.
   businessTier BusinessTier @default(FREE)
   memberSequence Int @default(0)
+  receiptSequence Int @default(0)
   // IANA zone for the club's calendar-day attendance boundary; UTC is safe until configured.
   timeZone String @default("UTC")
   vertical ClubVertical @default(OTHER)
@@ -190,6 +193,8 @@ model Club {
   subscriptions MemberSubscription[]
   memberEvents  MemberEvent[]
   attendanceEvents ClubAttendance[]
+  payments ClubPayment[]
+  paymentReversals ClubPaymentReversal[]
 }
 
 model ClubMembership {
@@ -320,6 +325,7 @@ model ClubMemberRecord {
   subscriptions MemberSubscription[]
   events       MemberEvent[]
   attendanceEvents ClubAttendance[]
+  payments ClubPayment[]
 
   @@unique([clubId, id])
   @@unique([clubId, memberNumber])
@@ -365,7 +371,9 @@ model MemberSubscription {
   club          Club @relation(fields: [clubId], references: [id], onDelete: Restrict)
   memberRecord  ClubMemberRecord @relation(fields: [clubId, memberRecordId], references: [clubId, id], onDelete: Restrict)
   plan          ClubPlan @relation(fields: [clubId, planId], references: [clubId, id], onDelete: Restrict)
+  payments      ClubPayment[]
 
+  @@unique([clubId, id])
   @@index([clubId, memberRecordId, startAt, endAt])
   @@index([clubId, endAt])
 }
@@ -484,3 +492,68 @@ model ClubPublicRevision {
   @@index([clubId, status, submittedAt])
   @@index([status, submittedAt])
 }
+
+
+enum ClubPaymentMethod {
+  CASH
+  UPI
+  CARD
+  OTHER
+}
+
+/**
+ * Immutable attestation of an external fee collection. NOT a gateway transaction
+ * or tax invoice. The receiptNo is sequential and never reused per club.
+ */
+model ClubPayment {
+  id String @id @default(cuid())
+  clubId String
+  memberRecordId String
+  subscriptionId String
+  receiptNo Int
+  operationKey String @unique
+  amountMinor Int
+  currency String @db.VarChar(3)
+  method ClubPaymentMethod
+  externalReference String? @db.VarChar(120)
+  note String? @db.VarChar(240)
+  receivedAt DateTime @default(now())
+  createdAt DateTime @default(now())
+  recordedByUserId String
+
+  // Immutable receipt snapshots: no private Personal information, never PAN/UPI credentials.
+  clubName String @db.VarChar(200)
+  memberName String @db.VarChar(100)
+  memberNumber Int
+  planName String @db.VarChar(90)
+  termPriceMinor Int
+  termStartsAt DateTime
+  termEndsAt DateTime
+
+  club Club @relation(fields: [clubId], references: [id], onDelete: Restrict)
+  member ClubMemberRecord @relation(fields: [clubId, memberRecordId], references: [clubId, id], onDelete: Restrict)
+  subscription MemberSubscription @relation(fields: [clubId, subscriptionId], references: [clubId, id], onDelete: Restrict)
+  recorder User @relation("ClubPaymentRecorder", fields: [recordedByUserId], references: [id], onDelete: Restrict)
+  reversal ClubPaymentReversal?
+
+  @@unique([clubId, id])
+  @@unique([clubId, receiptNo])
+  @@index([clubId, receivedAt(sort: Desc), id(sort: Desc)])
+  @@index([clubId, memberRecordId, createdAt(sort: Desc)])
+  @@index([clubId, subscriptionId])
+}
+
+model ClubPaymentReversal {
+  id String @id @default(cuid())
+  clubId String
+  paymentId String @unique
+  reason String @db.VarChar(240)
+  createdAt DateTime @default(now())
+  reversedByUserId String
+
+  club Club @relation(fields: [clubId], references: [id], onDelete: Restrict)
+  payment ClubPayment @relation(fields: [clubId, paymentId], references: [clubId, id], onDelete: Restrict)
+  actor User @relation("ClubPaymentReversalActor", fields: [reversedByUserId], references: [id], onDelete: Restrict)
+
+  @@index([clubId, createdAt(sort: Desc)])
+}

From 250678ee80e42a1206329d0791d1231fc698fb6b Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:39:20 +0530
Subject: [PATCH 03/12] feat(B4-C): atomic currency-safe collection, reversal
 and dues services

---
 .../migration.sql                             |   2 +
 prisma/schema.prisma                          |   2 +
 src/lib/finance-service.ts                    | 146 ++++++++++++++++++
 src/lib/validations/finance.ts                |  13 ++
 4 files changed, 163 insertions(+)
 create mode 100644 src/lib/finance-service.ts
 create mode 100644 src/lib/validations/finance.ts

diff --git a/prisma/migrations/20261112010000_b4_club_finance/migration.sql b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
index c27f162..3795f22 100644
--- a/prisma/migrations/20261112010000_b4_club_finance/migration.sql
+++ b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
@@ -1,4 +1,6 @@
 -- B4 ledger: additive, no changes to membership terms or existing prices.
+ALTER TYPE "SecurityEventType" ADD VALUE IF NOT EXISTS 'PAYMENT_RECORDED';
+ALTER TYPE "SecurityEventType" ADD VALUE IF NOT EXISTS 'PAYMENT_REVERSED';
 CREATE TYPE "ClubPaymentMethod" AS ENUM ('CASH','UPI','CARD','OTHER');
 
 ALTER TABLE "Club" ADD COLUMN "receiptSequence" INTEGER NOT NULL DEFAULT 0;
diff --git a/prisma/schema.prisma b/prisma/schema.prisma
index 64afd08..c7c76c0 100644
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -162,6 +162,8 @@ enum SecurityEventType {
   MEMBERSHIP_CHANGED
   SECURITY_REVIEW
   CLUB_TIMEZONE_CHANGED
+  PAYMENT_RECORDED
+  PAYMENT_REVERSED
 }
 
 model Club {
diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
new file mode 100644
index 0000000..37bd7ba
--- /dev/null
+++ b/src/lib/finance-service.ts
@@ -0,0 +1,146 @@
+import type { PrismaClient } from "@/generated/prisma/client";
+import { requireClubActive } from "@/lib/member-service";
+import { OnboardingError } from "@/lib/club-onboarding";
+import type { RecordClubPaymentInput } from "@/lib/validations/finance";
+
+function asSafeNumber(value:bigint|number|null):number{
+  const number=Number(value??0);
+  if(!Number.isSafeInteger(number))throw new Error("Finance amount is outside safe integer range");
+  return number;
+}
+export function financeBalance(priceMinor:number,paidMinor:number){return Math.max(0,priceMinor-paidMinor);}
+export function receiptNumber(sequence:number){return "CK-"+String(sequence).padStart(7,"0");}
+
+export async function recordClubPayment(db:PrismaClient,actorId:string,clubId:string,input:RecordClubPaymentInput){
+  return db.$transaction(async tx=>{
+    await requireClubActive(tx,actorId,clubId,["OWNER","MANAGER","STAFF"]);
+    // Acquire the club lock BEFORE the idempotency and balance checks; serialize all concurrent financial mutations.
+    const club=await tx.club.update({where:{id:clubId},data:{updatedAt:new Date()},select:{name:true}});
+    const repeat=await tx.clubPayment.findUnique({where:{operationKey:input.operationKey}});
+    if(repeat){
+      if(repeat.clubId!==clubId||repeat.memberRecordId!==input.memberId||repeat.subscriptionId!==input.subscriptionId||
+        repeat.recordedByUserId!==actorId||repeat.amountMinor!==input.amountMinor||repeat.method!==input.method||
+        (repeat.externalReference??"")!==input.externalReference||(repeat.note??"")!==input.note)
+        throw new OnboardingError(409,"Idempotency key is already used for a different payment");
+      return {id:repeat.id,receiptNo:repeat.receiptNo,repeated:true};
+    }
+    const term=await tx.memberSubscription.findFirst({where:{
+      id:input.subscriptionId,clubId,memberRecordId:input.memberId,cancelledAt:null
+    },select:{id:true,priceMinor:true,currency:true,planName:true,startAt:true,endAt:true,
+      memberRecord:{select:{status:true,memberNumber:true,displayName:true}}
+    }});
+    if(!term||term.memberRecord.status!=="ACTIVE")
+      throw new OnboardingError(404,"Active membership term not found");
+    const sums=await tx.clubPayment.aggregate({
+      where:{clubId,subscriptionId:term.id,reversal:{is:null}},_sum:{amountMinor:true}
+    });
+    if(input.amountMinor>financeBalance(term.priceMinor,sums._sum.amountMinor??0))
+      throw new OnboardingError(409,"Payment exceeds remaining membership dues");
+    const receipt=await tx.club.update({where:{id:clubId},data:{receiptSequence:{increment:1}},
+      select:{receiptSequence:true}});
+    const record=await tx.clubPayment.create({data:{
+      clubId,memberRecordId:input.memberId,subscriptionId:term.id,receiptNo:receipt.receiptSequence,
+      operationKey:input.operationKey,amountMinor:input.amountMinor,currency:term.currency,
+      method:input.method,externalReference:input.externalReference||null,note:input.note||null,
+      recordedByUserId:actorId,clubName:club.name,memberName:term.memberRecord.displayName,
+      memberNumber:term.memberRecord.memberNumber,planName:term.planName,
+      termPriceMinor:term.priceMinor,termStartsAt:term.startAt,termEndsAt:term.endAt
+    },select:{id:true,receiptNo:true}});
+    await tx.securityEvent.create({data:{clubId,actorUserId:actorId,
+      eventType:"PAYMENT_RECORDED",referenceId:record.id}});
+    return {...record,repeated:false};
+  });
+}
+
+export async function reverseClubPayment(db:PrismaClient,actorId:string,clubId:string,paymentId:string,reason:string){
+  return db.$transaction(async tx=>{
+    await requireClubActive(tx,actorId,clubId,["OWNER","MANAGER"]);
+    await tx.club.update({where:{id:clubId},data:{updatedAt:new Date()}});
+    const payment=await tx.clubPayment.findFirst({where:{clubId,id:paymentId},select:{
+      id:true,reversal:{select:{id:true,reason:true,reversedByUserId:true}}
+    }});
+    if(!payment)throw new OnboardingError(404,"Payment not found");
+    if(payment.reversal){
+      if(payment.reversal.reason===reason&&payment.reversal.reversedByUserId===actorId)
+        return {id:payment.reversal.id,repeated:true};
+      throw new OnboardingError(409,"Payment has already been reversed");
+    }
+    const reversal=await tx.clubPaymentReversal.create({data:{clubId,paymentId,reason,reversedByUserId:actorId},
+      select:{id:true}});
+    await tx.securityEvent.create({data:{clubId,actorUserId:actorId,
+      eventType:"PAYMENT_REVERSED",referenceId:paymentId}});
+    return {...reversal,repeated:false};
+  });
+}
+
+export type FinanceAmount={currency:string;charged:number;collected:number;outstanding:number;overdue:number;terms:number};
+export async function clubFinanceSummary(db:PrismaClient,clubId:string):Promise<FinanceAmount[]>{
+  const termTotals=await db.$queryRaw<Array<{currency:string;charged:bigint;outstanding:bigint;overdue:bigint;terms:bigint}>>`
+    WITH paid AS (
+      SELECT p."subscriptionId",SUM(p."amountMinor")::bigint AS value
+      FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
+      WHERE p."clubId"=${clubId} AND r."id" IS NULL GROUP BY p."subscriptionId"
+    )
+    SELECT t."currency",SUM(t."priceMinor")::bigint AS charged,
+      SUM(GREATEST(t."priceMinor"-COALESCE(paid.value,0),0))::bigint AS outstanding,
+      SUM(CASE WHEN t."endAt"<now() THEN GREATEST(t."priceMinor"-COALESCE(paid.value,0),0) ELSE 0 END)::bigint AS overdue,
+      count(*)::bigint AS terms
+    FROM "MemberSubscription" t LEFT JOIN paid ON paid."subscriptionId"=t."id"
+    WHERE t."clubId"=${clubId} AND t."cancelledAt" IS NULL
+    GROUP BY t."currency"
+  `;
+  const received=await db.clubPayment.groupBy({by:["currency"],where:{clubId,reversal:{is:null}},
+    _sum:{amountMinor:true}});
+  const totals=new Map<string,FinanceAmount>();
+  for(const t of termTotals)totals.set(t.currency,{
+    currency:t.currency,charged:asSafeNumber(t.charged),collected:0,
+    outstanding:asSafeNumber(t.outstanding),overdue:asSafeNumber(t.overdue),terms:asSafeNumber(t.terms)
+  });
+  for(const p of received){
+    const existing=totals.get(p.currency)??{currency:p.currency,charged:0,collected:0,outstanding:0,overdue:0,terms:0};
+    existing.collected=p._sum.amountMinor??0;totals.set(p.currency,existing);
+  }
+  return [...totals.values()].sort((a,b)=>a.currency.localeCompare(b.currency));
+}
+export async function recentClubPayments(db:PrismaClient,clubId:string,cursor?:string){
+  return db.clubPayment.findMany({where:{clubId},orderBy:[{createdAt:"desc"},{id:"desc"}],
+    take:51,...(cursor?{cursor:{id:cursor},skip:1}:{}),
+    select:{id:true,receiptNo:true,amountMinor:true,currency:true,method:true,memberName:true,
+      memberRecordId:true,planName:true,createdAt:true,receivedAt:true,
+      reversal:{select:{reason:true,createdAt:true}}}
+  });
+}
+export async function memberClubFinance(db:PrismaClient,clubId:string,memberId:string){
+  const terms=await db.memberSubscription.findMany({where:{clubId,memberRecordId:memberId},
+    orderBy:[{createdAt:"desc"},{id:"desc"}],take:80,
+    select:{id:true,planName:true,priceMinor:true,currency:true,createdAt:true,cancelledAt:true,
+      endAt:true,payments:{select:{id:true,amountMinor:true,receiptNo:true,receivedAt:true,method:true,
+        reversal:{select:{id:true}}},orderBy:{createdAt:"desc"},take:80}}
+  });
+  return terms.map(term=>{
+    const paid=term.payments.reduce((sum,p)=>sum+(p.reversal?0:p.amountMinor),0);
+    return {...term,paidMinor:paid,dueMinor:term.cancelledAt?0:financeBalance(term.priceMinor,paid)};
+  });
+}
+export async function clubDuesPage(db:PrismaClient,clubId:string,cursor?:string){
+  const rows=await db.$queryRaw<Array<{id:string;memberRecordId:string;memberName:string;
+    memberNumber:number;planName:string;currency:string;priceMinor:number;paidMinor:bigint;
+    dueMinor:bigint;endAt:Date}>>`
+    WITH paid AS (
+      SELECT p."subscriptionId",SUM(p."amountMinor")::bigint AS value
+      FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
+      WHERE p."clubId"=${clubId} AND r."id" IS NULL GROUP BY p."subscriptionId"
+    )
+    SELECT t."id",t."memberRecordId",m."displayName" AS "memberName",m."memberNumber",
+      t."planName",t."currency",t."priceMinor",COALESCE(paid.value,0)::bigint AS "paidMinor",
+      GREATEST(t."priceMinor"-COALESCE(paid.value,0),0)::bigint AS "dueMinor",t."endAt"
+    FROM "MemberSubscription" t
+    JOIN "ClubMemberRecord" m ON m."id"=t."memberRecordId" AND m."clubId"=t."clubId"
+    LEFT JOIN paid ON paid."subscriptionId"=t."id"
+    WHERE t."clubId"=${clubId} AND t."cancelledAt" IS NULL
+      AND t."priceMinor">COALESCE(paid.value,0)
+      AND t."id">${cursor??''}
+    ORDER BY t."id" ASC LIMIT 51
+  `;
+  return rows.map(r=>({...r,paidMinor:asSafeNumber(r.paidMinor),dueMinor:asSafeNumber(r.dueMinor)}));
+}
diff --git a/src/lib/validations/finance.ts b/src/lib/validations/finance.ts
new file mode 100644
index 0000000..036f80e
--- /dev/null
+++ b/src/lib/validations/finance.ts
@@ -0,0 +1,13 @@
+import { z } from "zod";
+
+export const recordClubPaymentInput = z.object({
+  memberId:z.string().trim().min(10).max(128),
+  subscriptionId:z.string().trim().min(10).max(128),
+  operationKey:z.uuid(),
+  amountMinor:z.number().int().min(1).max(100000000),
+  method:z.enum(["CASH","UPI","CARD","OTHER"]),
+  externalReference:z.string().trim().max(120).optional().default(""),
+  note:z.string().trim().max(240).optional().default("")
+}).strict();
+export const reverseClubPaymentInput = z.object({reason:z.string().trim().min(8).max(240)}).strict();
+export type RecordClubPaymentInput=z.infer<typeof recordClubPaymentInput>;

From 1d13ea94fa944289b33ae3657cd08111d572238e Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:40:09 +0530
Subject: [PATCH 04/12] feat(B4-D): protected payment recording, paginated
 ledger and reversal APIs

---
 .../payments/[paymentId]/reverse/route.ts     | 22 ++++++++++++
 .../clubs/[clubId]/finance/payments/route.ts  | 36 +++++++++++++++++++
 2 files changed, 58 insertions(+)
 create mode 100644 src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
 create mode 100644 src/app/api/clubs/[clubId]/finance/payments/route.ts

diff --git a/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts b/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
new file mode 100644
index 0000000..50046e5
--- /dev/null
+++ b/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
@@ -0,0 +1,22 @@
+import { NextRequest } from "next/server";
+import { prisma } from "@/lib/prisma";
+import { reverseClubPayment } from "@/lib/finance-service";
+import { reverseClubPaymentInput } from "@/lib/validations/finance";
+import { idInput } from "@/lib/validations/onboarding";
+import { guardOnboardingPost,jsonPrivate,onboardingFailure,readOnboardingBody } from "@/lib/onboarding-http";
+
+export async function POST(request:NextRequest,{params}:{
+  params:Promise<{clubId:string;paymentId:string}>
+}):Promise<Response>{
+  try{
+    const {clubId,paymentId}=await params;
+    if(!idInput.safeParse(clubId).success||!idInput.safeParse(paymentId).success)
+      return jsonPrivate({error:"Payment not found"},404);
+    const guard=await guardOnboardingPost(request,"b4-reverse-payment",12,true);
+    if(!guard.ok)return guard.response;
+    const input=reverseClubPaymentInput.safeParse(await readOnboardingBody(request));
+    if(!input.success)return jsonPrivate({error:"Reason must contain 8–240 characters"},400);
+    const reversal=await reverseClubPayment(prisma,guard.userId!,clubId,paymentId,input.data.reason);
+    return jsonPrivate({reversal},reversal.repeated?200:201);
+  }catch(error){return onboardingFailure(error);}
+}
diff --git a/src/app/api/clubs/[clubId]/finance/payments/route.ts b/src/app/api/clubs/[clubId]/finance/payments/route.ts
new file mode 100644
index 0000000..a99ff77
--- /dev/null
+++ b/src/app/api/clubs/[clubId]/finance/payments/route.ts
@@ -0,0 +1,36 @@
+import { NextRequest } from "next/server";
+import { auth } from "@/lib/auth";
+import { prisma } from "@/lib/prisma";
+import { requireClubActive } from "@/lib/member-service";
+import { recordClubPayment,recentClubPayments } from "@/lib/finance-service";
+import { recordClubPaymentInput } from "@/lib/validations/finance";
+import { idInput } from "@/lib/validations/onboarding";
+import { guardOnboardingPost,jsonPrivate,onboardingFailure,readOnboardingBody } from "@/lib/onboarding-http";
+
+type Context={params:Promise<{clubId:string}>};
+export async function POST(request:NextRequest,{params}:Context):Promise<Response>{
+  try{
+    const {clubId}=await params;
+    if(!idInput.safeParse(clubId).success)return jsonPrivate({error:"Club not found"},404);
+    const guard=await guardOnboardingPost(request,"b4-record-payment",45,true);
+    if(!guard.ok)return guard.response;
+    const input=recordClubPaymentInput.safeParse(await readOnboardingBody(request));
+    if(!input.success)return jsonPrivate({error:"Check payment amount, method and membership"},400);
+    const payment=await recordClubPayment(prisma,guard.userId!,clubId,input.data);
+    return jsonPrivate({payment,receiptUrl:"/clubs/"+encodeURIComponent(clubId)+"/finance/receipts/"+encodeURIComponent(payment.id)},payment.repeated?200:201);
+  }catch(error){return onboardingFailure(error);}
+}
+export async function GET(request:NextRequest,{params}:Context):Promise<Response>{
+  try{
+    const {clubId}=await params;
+    if(!idInput.safeParse(clubId).success)return jsonPrivate({error:"Club not found"},404);
+    const session=await auth.api.getSession({headers:request.headers});
+    if(!session?.user?.emailVerified)return jsonPrivate({error:"Sign in and verify your account"},401);
+    await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
+    const cursor=request.nextUrl.searchParams.get("cursor")??undefined;
+    if(cursor&&!idInput.safeParse(cursor).success)return jsonPrivate({error:"Invalid cursor"},400);
+    const rows=await recentClubPayments(prisma,clubId,cursor);
+    const page=rows.slice(0,50);
+    return jsonPrivate({payments:page,nextCursor:rows.length>50?page.at(-1)?.id:null});
+  }catch(error){return onboardingFailure(error);}
+}

From af92cd311b32f43cccb2f2254da26ffa96402d60 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:43:00 +0530
Subject: [PATCH 05/12] feat(B4-E): Luxe finance dashboard, multi-currency
 reporting and paginated dues/ledger

---
 src/app/clubs/[clubId]/finance/dues/page.tsx  | 35 +++++++++
 src/app/clubs/[clubId]/finance/page.tsx       | 76 +++++++++++++++++++
 .../clubs/[clubId]/finance/payments/page.tsx  | 39 ++++++++++
 src/components/clubs/business-shell.tsx       |  8 +-
 src/lib/finance-service.ts                    | 12 +++
 5 files changed, 167 insertions(+), 3 deletions(-)
 create mode 100644 src/app/clubs/[clubId]/finance/dues/page.tsx
 create mode 100644 src/app/clubs/[clubId]/finance/page.tsx
 create mode 100644 src/app/clubs/[clubId]/finance/payments/page.tsx

diff --git a/src/app/clubs/[clubId]/finance/dues/page.tsx b/src/app/clubs/[clubId]/finance/dues/page.tsx
new file mode 100644
index 0000000..1336add
--- /dev/null
+++ b/src/app/clubs/[clubId]/finance/dues/page.tsx
@@ -0,0 +1,35 @@
+import { Suspense } from "react";
+import Link from "next/link";
+import { CalendarClock,ArrowRight } from "lucide-react";
+import type { Metadata } from "next";
+import { requireSession } from "@/lib/required-session";
+import { requireClubActive } from "@/lib/member-service";
+import { prisma } from "@/lib/prisma";
+import { clubDuesPage } from "@/lib/finance-service";
+import { formatMinorMoney } from "@/lib/money-format";
+import { BusinessShell } from "@/components/clubs/business-shell";
+import { idInput } from "@/lib/validations/onboarding";
+export const metadata:Metadata={title:"Outstanding membership dues · ClubKeep",robots:{index:false}};
+type Props={params:Promise<{clubId:string}>;searchParams:Promise<{cursor?:string}>};
+export default function Dues(props:Props){
+  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading dues…</main>}><DuesContent {...props}/></Suspense>;
+}
+async function DuesContent({params,searchParams}:Props){
+  const {clubId}=await params,{cursor}=await searchParams,session=await requireSession();
+  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
+  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true}});
+  const safeCursor=cursor&&idInput.safeParse(cursor).success?cursor:undefined;
+  const records=await clubDuesPage(prisma,clubId,safeCursor),page=records.slice(0,50);
+  return <BusinessShell clubId={clubId} clubName={club.name} active="finance" eyebrow="Follow up with care"
+    title="Outstanding membership dues." description="Expected fees minus nonvoided recorded collections, one membership term at a time. Cancelled terms are excluded.">
+    <div className="mt-7 overflow-hidden rounded-3xl border border-[#f5c88d]/15 bg-[#1d140e]">
+      {page.length===0?<div className="p-10 text-center"><CalendarClock className="mx-auto size-9 text-[#f3be7e]"/><p className="mt-4 font-semibold">No outstanding dues on this page</p><p className="mt-2 text-sm text-[#bfa58e]">You are all caught up, or there are no memberships assigned.</p></div>:
+        <div className="divide-y divide-[#f6dc9b]/10">{page.map(r=><Link key={r.id} href={"/clubs/"+clubId+"/members/"+r.memberRecordId} className="flex flex-wrap items-center justify-between gap-3 p-5 hover:bg-[#2b1c11]">
+          <div><p className="font-semibold">{r.memberName} <span className="text-xs text-[#a98e7a]">#{r.memberNumber}</span></p><p className="mt-2 text-xs text-[#bda48b]">{r.planName} · Expires {r.endAt.toISOString().slice(0,10)}</p></div>
+          <div className="flex items-center gap-3"><span className="text-right"><span className="block font-semibold text-[#f6c58c]">{formatMinorMoney(r.dueMinor,r.currency)}</span><span className="block text-xs text-[#ac957f]">Remaining</span></span><ArrowRight className="size-4 text-[#bd9974]"/></div>
+        </Link>)}</div>}
+    </div>
+    {records.length>50&&page.at(-1)&&<Link className="mt-5 inline-flex rounded-xl border border-[#f6dc9b]/20 px-5 py-3 text-sm text-[#f7c48c]" href={"/clubs/"+clubId+"/finance/dues?cursor="+encodeURIComponent(page.at(-1)!.id)}>Next page <ArrowRight className="ml-2 size-4"/></Link>}
+    <p className="mt-6 text-xs text-[#a9917b]">Open a member to record an externally received payment. Financial figures are not bank-verified.</p>
+  </BusinessShell>;
+}
diff --git a/src/app/clubs/[clubId]/finance/page.tsx b/src/app/clubs/[clubId]/finance/page.tsx
new file mode 100644
index 0000000..da2bb70
--- /dev/null
+++ b/src/app/clubs/[clubId]/finance/page.tsx
@@ -0,0 +1,76 @@
+import { Suspense } from "react";
+import Link from "next/link";
+import { WalletCards,Coins,CalendarClock,ReceiptText,ArrowUpRight,History,ArrowRight } from "lucide-react";
+import type { Metadata } from "next";
+import { requireSession } from "@/lib/required-session";
+import { requireClubActive } from "@/lib/member-service";
+import { prisma } from "@/lib/prisma";
+import { clubFinanceSummary,recentClubPayments,financeMonthlyTrend,receiptNumber } from "@/lib/finance-service";
+import { formatMinorMoney } from "@/lib/money-format";
+import { BusinessShell } from "@/components/clubs/business-shell";
+
+export const metadata:Metadata={title:"Club finance · ClubKeep",robots:{index:false}};
+type Props={params:Promise<{clubId:string}>};
+export default function ClubFinance(props:Props){
+  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-[#f8e6d2]">Loading club finances…</main>}><FinanceContent {...props}/></Suspense>;
+}
+async function FinanceContent({params}:Props){
+  const {clubId}=await params,session=await requireSession();
+  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
+  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true,timeZone:true}});
+  const [totals,recent,trend]=await Promise.all([
+    clubFinanceSummary(prisma,clubId),recentClubPayments(prisma,clubId),financeMonthlyTrend(prisma,clubId,club.timeZone)
+  ]);
+  const base="/clubs/"+encodeURIComponent(clubId)+"/finance";
+  return <BusinessShell clubId={clubId} clubName={club.name} active="finance"
+    eyebrow="Your club's money story" title="Finance, without the guesswork."
+    description="Track fees received outside ClubKeep, understand outstanding memberships, and issue clear receipts. No payments are processed by ClubKeep.">
+    <div className="mt-8 flex flex-wrap gap-3">
+      <Link href={base+"/dues"} className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#eac275] to-[#f26b00] px-5 font-semibold text-[#2b190e]"><CalendarClock className="size-4"/>View outstanding dues</Link>
+      <Link href={base+"/payments"} className="inline-flex min-h-12 items-center gap-2 rounded-xl border border-[#edbe7b]/25 px-5 text-sm text-[#f8cca0]"><History className="size-4"/>All recorded payments</Link>
+    </div>
+    <div className="mt-8 space-y-6">
+      {totals.length===0?<section className="rounded-3xl border border-dashed border-[#edbe7b]/25 bg-[#19120c] p-10 text-center">
+        <WalletCards className="mx-auto size-10 text-[#eebf7e]"/>
+        <h2 className="mt-4 text-2xl font-semibold">A clearer picture starts here</h2>
+        <p className="mx-auto mt-3 max-w-lg text-sm leading-7 text-[#bea48c]">Create a membership plan and assign your first member. Record externally received fees from the member profile.</p>
+        <Link href={"/clubs/"+clubId+"/members"} className="mt-5 inline-flex items-center gap-2 text-sm text-[#f8c38c] underline underline-offset-4">Go to members <ArrowRight className="size-4"/></Link>
+      </section>:totals.map(entry=><section key={entry.currency} className="rounded-3xl border border-[#f5c484]/20 bg-[#19110b] p-5 sm:p-7">
+        <div className="flex flex-wrap items-center justify-between gap-3">
+          <div><p className="text-xs font-semibold tracking-[.2em] text-[#e7b779] uppercase">{entry.currency} · Club finances</p><h2 className="mt-2 text-xl font-semibold">{entry.terms} active or scheduled membership terms</h2></div>
+          <span className="rounded-xl bg-[#392415] px-3 py-2 text-xs text-[#f5be7e]">Currency totals kept separate</span>
+        </div>
+        <div className="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-4">
+          {[
+            {icon:Coins,label:"Expected term fees",value:entry.charged},
+            {icon:WalletCards,label:"Recorded net collections",value:entry.collected},
+            {icon:ReceiptText,label:"Outstanding dues",value:entry.outstanding},
+            {icon:CalendarClock,label:"Overdue at term expiry",value:entry.overdue}
+          ].map(({icon:Icon,label,value})=><div key={label} className="rounded-2xl border border-[#efc485]/10 bg-[#26180f] p-5">
+            <Icon className="size-5 text-[#f2bd79]"/><p className="mt-4 break-all text-2xl font-semibold tabular-nums">{formatMinorMoney(value,entry.currency)}</p><p className="mt-2 text-xs leading-5 text-[#c4ab96]">{label}</p>
+          </div>)}
+        </div>
+      </section>)}
+      <div className="grid gap-6 xl:grid-cols-[1.05fr_.95fr]">
+        <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
+          <h2 className="text-xl font-semibold">Collections over time</h2><p className="mt-2 text-xs text-[#b9a18e]">Monthly externally recorded net collections, local club time</p>
+          {trend.length===0?<p className="mt-6 text-sm text-[#bba38f]">Once you record your first fee, monthly totals will appear here.</p>:<div className="mt-7 space-y-3">
+            {trend.slice(-18).map(t=><div key={t.month+"-"+t.currency} className="flex items-center justify-between gap-4 rounded-xl bg-[#26180e] px-4 py-3 text-sm">
+              <span className="text-[#c8ac91]">{t.month} · {t.currency}</span><span className="font-semibold text-[#f6c38b] tabular-nums">{formatMinorMoney(t.amount,t.currency)}</span>
+            </div>)}
+          </div>}
+        </section>
+        <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
+          <div className="flex items-center justify-between gap-3"><h2 className="text-xl font-semibold">Recent entries</h2><Link href={base+"/payments"} className="text-sm text-[#f6c38b]">View all <ArrowUpRight className="inline size-4"/></Link></div>
+          {recent.length===0?<p className="mt-6 text-sm text-[#bba38f]">No club payments have been recorded yet.</p>:<ul className="mt-5 divide-y divide-[#f6dc9b]/10">
+            {recent.slice(0,8).map(p=><li key={p.id} className="flex items-center justify-between gap-3 py-3 text-sm">
+              <span className="min-w-0"><Link href={base+"/receipts/"+encodeURIComponent(p.id)} className="font-semibold text-[#f5c18b] hover:underline">{receiptNumber(p.receiptNo)}</Link><span className="mt-1 block truncate text-xs text-[#b7a08d]">{p.memberName} · {p.method}</span></span>
+              <span className={p.reversal?"text-[#aa9585] line-through":"font-semibold text-[#f7d0a1]"}>{formatMinorMoney(p.amountMinor,p.currency)}</span>
+            </li>)}
+          </ul>}
+        </section>
+      </div>
+      <p className="text-xs leading-6 text-[#b89d86]">Financial records are owner/staff-entered attestations only. A canceled term has no actionable dues; voided payments remain in the audit ledger. Statutory tax invoicing and payment gateway verification are not provided.</p>
+    </div>
+  </BusinessShell>;
+}
diff --git a/src/app/clubs/[clubId]/finance/payments/page.tsx b/src/app/clubs/[clubId]/finance/payments/page.tsx
new file mode 100644
index 0000000..2d7ca98
--- /dev/null
+++ b/src/app/clubs/[clubId]/finance/payments/page.tsx
@@ -0,0 +1,39 @@
+import { Suspense } from "react";
+import Link from "next/link";
+import { History,ArrowRight } from "lucide-react";
+import type { Metadata } from "next";
+import { requireSession } from "@/lib/required-session";
+import { requireClubActive } from "@/lib/member-service";
+import { prisma } from "@/lib/prisma";
+import { recentClubPayments,receiptNumber } from "@/lib/finance-service";
+import { formatMinorMoney } from "@/lib/money-format";
+import { BusinessShell } from "@/components/clubs/business-shell";
+import { ReversePaymentButton } from "@/components/clubs/reverse-payment-button";
+import { idInput } from "@/lib/validations/onboarding";
+export const metadata:Metadata={title:"Payment ledger · ClubKeep",robots:{index:false}};
+type Props={params:Promise<{clubId:string}>;searchParams:Promise<{cursor?:string}>};
+export default function Ledger(props:Props){
+  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading ledger…</main>}><LedgerContent {...props}/></Suspense>;
+}
+async function LedgerContent({params,searchParams}:Props){
+  const {clubId}=await params,{cursor}=await searchParams,session=await requireSession();
+  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
+  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true}});
+  const safeCursor=cursor&&idInput.safeParse(cursor).success?cursor:undefined;
+  const rows=await recentClubPayments(prisma,clubId,safeCursor),page=rows.slice(0,50);
+  return <BusinessShell clubId={clubId} clubName={club.name} active="finance"
+    eyebrow="Immutable record" title="Every entry has a story."
+    description="Review recorded cash, UPI, card and other offline collections. Corrections create a reversal and never erase the original receipt.">
+    <section className="mt-8 overflow-hidden rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b]">
+      {page.length===0?<div className="p-10 text-center"><History className="mx-auto size-8 text-[#eab878]"/><p className="mt-4 font-semibold">Your payment ledger is empty</p><p className="mt-2 text-sm text-[#bca28b]">Open a member profile to record a first collection.</p></div>:
+      <div className="divide-y divide-[#f6dc9b]/10">{page.map(p=><div key={p.id} className="flex flex-wrap items-center justify-between gap-4 p-5">
+        <div className="min-w-0"><Link href={"/clubs/"+clubId+"/finance/receipts/"+p.id} className="font-semibold text-[#f6c58f] hover:underline">{receiptNumber(p.receiptNo)}</Link>
+          <p className="mt-1 text-sm">{p.memberName} · {p.planName}</p><p className="mt-1 text-xs text-[#b6a08b]">{p.method} · {p.receivedAt.toISOString().slice(0,16).replace("T"," ")} UTC</p></div>
+        <div className="flex items-center gap-3"><span className={p.reversal?"text-[#a38e7b] line-through":"font-semibold text-[#f9ce9a]"}>{formatMinorMoney(p.amountMinor,p.currency)}</span>
+          {p.reversal?<span className="rounded-xl bg-[#44211d] px-3 py-2 text-xs text-[#f9b4a3]">VOID</span>:<ReversePaymentButton clubId={clubId} paymentId={p.id}/>}
+        </div>
+      </div>)}</div>}
+    </section>
+    {rows.length>50&&page.at(-1)&&<Link className="mt-5 inline-flex min-h-11 items-center rounded-xl border border-[#f6dc9b]/20 px-4 text-sm text-[#f6bf86]" href={"/clubs/"+clubId+"/finance/payments?cursor="+encodeURIComponent(page.at(-1)!.id)}>Next page <ArrowRight className="ml-2 size-4"/></Link>}
+  </BusinessShell>;
+}
diff --git a/src/components/clubs/business-shell.tsx b/src/components/clubs/business-shell.tsx
index 186e683..587e17e 100644
--- a/src/components/clubs/business-shell.tsx
+++ b/src/components/clubs/business-shell.tsx
@@ -11,13 +11,14 @@ import {
   Building2,
   Menu,
   Fingerprint,
+  WalletCards,
 } from "lucide-react";
 import { requireSession } from "@/lib/required-session";
 import { prisma } from "@/lib/prisma";
 import { requireActiveClubMembership } from "@/lib/club-access";
 import { ClubThemeToggle } from "@/components/clubs/theme-toggle";
 
-type Active = "members" | "plans" | "renewals" | "overview" | "attendance";
+type Active = "members" | "plans" | "renewals" | "overview" | "attendance" | "finance";
 export async function BusinessShell({
   clubId,
   clubName,
@@ -44,6 +45,7 @@ export async function BusinessShell({
     { key: "members", label: "Members", href: "/members", icon: UsersRound },
     { key: "plans", label: "Membership Plans", href: "/plans", icon: Layers3 },
     { key: "renewals", label: "Renewals", href: "/renewals", icon: CalendarClock },
+    ...(context.role==="OWNER"||context.role==="MANAGER" ? [{key:"finance",label:"Finance & dues",href:"/finance",icon:WalletCards}] : []),
     ...(isOwner
       ? [
           {
@@ -153,7 +155,7 @@ export async function BusinessShell({
         className="fixed inset-x-3 bottom-3 z-40 flex items-stretch justify-around rounded-2xl border border-[#d9ac73]/25 bg-[#18110b]/95 px-1 py-2 shadow-2xl backdrop-blur-xl lg:hidden"
       >
         {nav
-          .filter((x) => ["overview", "attendance", "members", "renewals"].includes(x.key))
+          .filter((x) => ["overview", "attendance", "members", "finance"].includes(x.key)|| (context.role==="STAFF"&&x.key==="renewals"))
           .map(({ key, label, href, icon: Icon }) => (
             <Link
               key={key}
@@ -169,7 +171,7 @@ export async function BusinessShell({
             </Link>
           ))}
         <Link
-          href={isOwner ? base + "/settings" : base + "/plans"}
+          href={isOwner ? base + "/settings" : base + "/renewals"}
           className="flex flex-1 flex-col items-center gap-1 px-1 py-2 text-[10px] text-[#b7a08c]"
         >
           <Settings2 className="size-5" />
diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
index 37bd7ba..a910bfa 100644
--- a/src/lib/finance-service.ts
+++ b/src/lib/finance-service.ts
@@ -144,3 +144,15 @@ export async function clubDuesPage(db:PrismaClient,clubId:string,cursor?:string)
   `;
   return rows.map(r=>({...r,paidMinor:asSafeNumber(r.paidMinor),dueMinor:asSafeNumber(r.dueMinor)}));
 }
+
+export async function financeMonthlyTrend(db:PrismaClient,clubId:string,timeZone:string){
+  const cutoff=new Date(Date.now()-215*86400000);
+  const rows=await db.$queryRaw<Array<{month:string;currency:string;amount:bigint}>>`
+    SELECT to_char(p."receivedAt" AT TIME ZONE ${timeZone},'YYYY-MM') AS month,
+      p."currency",SUM(p."amountMinor")::bigint AS amount
+    FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
+    WHERE p."clubId"=${clubId} AND p."receivedAt">=${cutoff} AND r."id" IS NULL
+    GROUP BY month,p."currency" ORDER BY month ASC,p."currency" ASC
+  `;
+  return rows.map(row=>({month:row.month,currency:row.currency,amount:asSafeNumber(row.amount)}));
+}

From d8b58469333c39132d850471e2b79a829dbcbaa0 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:44:44 +0530
Subject: [PATCH 06/12] feat(B4-F): member balances, external-fee entry form
 and auditable reversal controls

---
 .../[clubId]/members/[memberId]/page.tsx      | 15 +++++
 .../clubs/record-club-payment-form.tsx        | 57 +++++++++++++++++++
 .../clubs/reverse-payment-button.tsx          | 26 +++++++++
 src/lib/finance-service.ts                    |  8 ++-
 4 files changed, 104 insertions(+), 2 deletions(-)
 create mode 100644 src/components/clubs/record-club-payment-form.tsx
 create mode 100644 src/components/clubs/reverse-payment-button.tsx

diff --git a/src/app/clubs/[clubId]/members/[memberId]/page.tsx b/src/app/clubs/[clubId]/members/[memberId]/page.tsx
index f88e045..e7cc21c 100644
--- a/src/app/clubs/[clubId]/members/[memberId]/page.tsx
+++ b/src/app/clubs/[clubId]/members/[memberId]/page.tsx
@@ -9,6 +9,9 @@ import { prisma } from "@/lib/prisma";
 import { statusForTerm } from "@/lib/membership-dates";
 import { formatMinorMoney } from "@/lib/money-format";
 import { BusinessShell } from "@/components/clubs/business-shell";
+import { memberClubFinance } from "@/lib/finance-service";
+import { RecordClubPaymentForm } from "@/components/clubs/record-club-payment-form";
+import { ReceiptText } from "lucide-react";
 import { MemberActions } from "@/components/clubs/member-actions";
 import { CancelTermButton } from "@/components/clubs/cancel-term-button";
 
@@ -70,6 +73,7 @@ async function MemberContent({ params }: Props) {
     }),
   ]);
   if (!member) notFound();
+  const financialTerms=await memberClubFinance(prisma,clubId,member.id);
   const recentVisits = await prisma.clubAttendance.findMany({
     where: { clubId, memberRecordId: member.id },
     select: { id: true, localDate: true, method: true },
@@ -185,6 +189,17 @@ async function MemberContent({ params }: Props) {
           name: candidate.user.name,
         }))}
       />
+      <RecordClubPaymentForm clubId={clubId} memberId={member.id} terms={financialTerms.filter(t=>!t.cancelledAt&&t.dueMinor>0).map(t=>({id:t.id,planName:t.planName,currency:t.currency,dueMinor:t.dueMinor}))}/>
+      <section className="mt-7 rounded-3xl border border-[#f6dc9b]/15 bg-[#19110d] p-6">
+        <h2 className="flex items-center gap-2 text-lg font-semibold"><ReceiptText className="size-5 text-[#efb96e]"/> Membership dues & receipts</h2>
+        {financialTerms.length===0?<p className="mt-4 text-sm text-[#bda48d]">No membership term or fee history yet.</p>:
+          <div className="mt-5 space-y-3">{financialTerms.slice(0,10).map(term=><div key={term.id} className="rounded-2xl border border-[#f6dc9b]/10 bg-[#261910] p-4">
+            <div className="flex flex-wrap items-center justify-between gap-3"><div><p className="font-semibold">{term.planName}</p><p className="mt-1 text-xs text-[#ae9780]">{term.cancelledAt?"Canceled term":"Membership term"} · {term.currency}</p></div>
+              <div className="text-right"><p className="font-semibold text-[#f3bd7b]">{formatMinorMoney(term.dueMinor,term.currency)} due</p><p className="mt-1 text-xs text-[#baa28a]">{formatMinorMoney(term.paidMinor,term.currency)} recorded paid</p></div></div>
+            {term.payments.slice(0,4).map(p=><div key={p.id} className="mt-3 flex flex-wrap items-center justify-between gap-2 border-t border-[#f6dc9b]/10 pt-3 text-xs"><span className={p.reversal?"text-[#aa917d] line-through":"text-[#d3b99f]"}>{formatMinorMoney(p.amountMinor,term.currency)} · {p.method} {p.reversal?"· VOID":""}</span>
+              <Link className="text-[#f2bd7a] underline underline-offset-4" href={"/clubs/"+clubId+"/finance/receipts/"+p.id}>Receipt #{p.receiptNo}</Link></div>)}
+          </div>)}</div>}
+      </section>
       <section className="mt-7 rounded-3xl border border-[#f6dc9b]/15 bg-[#1d140e] p-6">
         <div className="flex flex-wrap items-center justify-between gap-3">
           <h2 className="flex items-center gap-2 text-lg font-semibold">
diff --git a/src/components/clubs/record-club-payment-form.tsx b/src/components/clubs/record-club-payment-form.tsx
new file mode 100644
index 0000000..39db4d2
--- /dev/null
+++ b/src/components/clubs/record-club-payment-form.tsx
@@ -0,0 +1,57 @@
+"use client";
+import { useRef,useState,type FormEvent } from "react";
+import Link from "next/link";
+import { useRouter } from "next/navigation";
+import { Wallet,ShieldCheck,ReceiptText } from "lucide-react";
+import { parseMinorMoney,formatMinorMoney } from "@/lib/money-format";
+type Term={id:string;planName:string;currency:string;dueMinor:number};
+export function RecordClubPaymentForm({clubId,memberId,terms}:{clubId:string;memberId:string;terms:Term[]}){
+  const router=useRouter(),idempotency=useRef<string|null>(null);
+  const payable=terms.filter(t=>t.dueMinor>0);
+  const [selected,setSelected]=useState(payable[0]?.id??"");
+  const [amount,setAmount]=useState("");
+  const [method,setMethod]=useState("CASH");
+  const [reference,setReference]=useState(""),[note,setNote]=useState("");
+  const [busy,setBusy]=useState(false),[error,setError]=useState("");
+  const [receipt,setReceipt]=useState("");
+  const term=payable.find(t=>t.id===selected);
+  const field="min-h-11 w-full rounded-xl border border-[#f6dc9b]/20 bg-[#110b08] px-4 text-[#fff0dd] outline-offset-2 focus-visible:outline-2 focus-visible:outline-orange-400";
+  async function submit(e:FormEvent){
+    e.preventDefault();if(busy||!term)return;setBusy(true);setError("");setReceipt("");
+    try{
+      let minor:number|null;
+      try{minor=parseMinorMoney(amount.trim(),term.currency);}catch{minor=null;}
+      if(minor===null||minor<=0||minor>term.dueMinor)throw new Error("Enter a valid amount no greater than outstanding dues");
+      if(!idempotency.current)idempotency.current=crypto.randomUUID();
+      const result=await fetch("/api/clubs/"+encodeURIComponent(clubId)+"/finance/payments",{
+        method:"POST",credentials:"same-origin",cache:"no-store",
+        headers:{"Content-Type":"application/json"},
+        body:JSON.stringify({memberId,subscriptionId:term.id,operationKey:idempotency.current,
+          amountMinor:minor,method,externalReference:reference.trim(),note:note.trim()})
+      });
+      const data=await result.json();if(!result.ok)throw new Error(data.error||"Unable to record payment");
+      idempotency.current=null;setReceipt(data.receiptUrl);setAmount("");setReference("");setNote("");
+      router.refresh();
+    }catch(err){setError(err instanceof Error?err.message:"Recording failed");}finally{setBusy(false);}
+  }
+  return <section className="mt-7 rounded-3xl border border-[#f6dc9b]/20 bg-gradient-to-br from-[#2b1b10] to-[#17100b] p-5 sm:p-7">
+    <div className="flex flex-wrap items-start justify-between gap-3"><div><p className="text-xs font-semibold tracking-[.2em] text-[#edbd7e] uppercase">Club fee ledger</p><h2 className="mt-2 text-2xl font-semibold">Record a received payment</h2></div><span className="rounded-xl bg-[#402514] p-3"><Wallet className="size-6 text-[#f1bf7d]"/></span></div>
+    <p className="mt-3 max-w-2xl text-sm leading-7 text-[#bea58f]">Only use this after cash, UPI, card or another payment has actually been received outside ClubKeep. This action does not charge a member.</p>
+    {payable.length===0?<p className="mt-5 rounded-2xl border border-[#f6dc9b]/15 p-5 text-sm text-[#d2b49c]">No outstanding balance on the available active membership terms. Canceled and fully paid terms cannot receive new collections.</p>:
+      <form onSubmit={submit} className="mt-6 grid gap-4 sm:grid-cols-2">
+        <label className="block text-sm">Membership term<select required className={"mt-2 "+field} value={selected} onChange={e=>{setSelected(e.target.value);setAmount("");idempotency.current=null;}}>
+          {payable.map(t=><option key={t.id} value={t.id}>{t.planName} · {formatMinorMoney(t.dueMinor,t.currency)} due</option>)}
+        </select></label>
+        <label className="block text-sm">Amount received ({term?.currency})<input required className={"mt-2 "+field} type="number" min="0" step="any" value={amount} onChange={e=>{setAmount(e.target.value);idempotency.current=null;}} placeholder="0.00"/></label>
+        <label className="block text-sm">Received via<select className={"mt-2 "+field} value={method} onChange={e=>{setMethod(e.target.value);idempotency.current=null;}}><option value="CASH">Cash</option><option value="UPI">UPI</option><option value="CARD">Card (external terminal)</option><option value="OTHER">Other (external)</option></select></label>
+        <label className="block text-sm">External reference (optional)<input className={"mt-2 "+field} maxLength={120} value={reference} onChange={e=>{setReference(e.target.value);idempotency.current=null;}} placeholder="Bank/terminal reference"/></label>
+        <label className="block text-sm sm:col-span-2">Internal note (optional)<input className={"mt-2 "+field} maxLength={240} value={note} onChange={e=>{setNote(e.target.value);idempotency.current=null;}} placeholder="Only non-sensitive notes"/></label>
+        <div className="flex flex-wrap items-center gap-4 sm:col-span-2">
+          <button disabled={busy} className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#edbf73] to-[#f26b00] px-6 font-semibold text-[#2a190b] disabled:opacity-50"><ReceiptText className="size-4"/>{busy?"Recording…":"Confirm received payment"}</button>
+          <span className="inline-flex items-center gap-2 text-xs text-[#baa28f]"><ShieldCheck className="size-4 text-[#e7b473]"/>Permanent, auditable entry</span>
+        </div>
+      </form>}
+    {error&&<p role="alert" className="mt-5 rounded-xl bg-red-950/40 px-4 py-3 text-sm text-red-200">{error}</p>}
+    {receipt&&<p role="status" className="mt-5 rounded-xl border border-emerald-600/20 bg-emerald-950/30 p-4 text-sm text-emerald-100">Collection recorded. <Link className="font-semibold underline underline-offset-4" href={receipt}>View and print receipt</Link></p>}
+  </section>;
+}
diff --git a/src/components/clubs/reverse-payment-button.tsx b/src/components/clubs/reverse-payment-button.tsx
new file mode 100644
index 0000000..3c845f6
--- /dev/null
+++ b/src/components/clubs/reverse-payment-button.tsx
@@ -0,0 +1,26 @@
+"use client";
+import { useState } from "react";
+import { useRouter } from "next/navigation";
+import { RotateCcw } from "lucide-react";
+export function ReversePaymentButton({clubId,paymentId}:{clubId:string;paymentId:string}){
+  const router=useRouter();const [busy,setBusy]=useState(false),[error,setError]=useState("");
+  async function reverse(){
+    if(busy)return;
+    const reason=window.prompt("Void this mistaken ClubKeep record? This does not issue a bank refund. Enter a reason (8–240 characters):");
+    if(reason===null)return;
+    if(reason.trim().length<8||reason.trim().length>240){setError("Reason must contain 8–240 characters");return;}
+    if(!window.confirm("Permanently mark this receipt VOID and restore the recorded outstanding balance?"))return;
+    setBusy(true);setError("");
+    try{
+      const response=await fetch("/api/clubs/"+encodeURIComponent(clubId)+"/finance/payments/"+encodeURIComponent(paymentId)+"/reverse",{
+        method:"POST",credentials:"same-origin",headers:{"Content-Type":"application/json"},body:JSON.stringify({reason:reason.trim()})
+      });
+      const data=await response.json();if(!response.ok)throw new Error(data.error||"Unable to void entry");
+      router.refresh();
+    }catch(e){setError(e instanceof Error?e.message:"Unable to void entry");}finally{setBusy(false);}
+  }
+  return <div className="flex flex-col items-end gap-1"><button type="button" disabled={busy} onClick={reverse}
+    className="inline-flex min-h-10 items-center gap-2 rounded-xl border border-[#f2c089]/25 px-3 text-xs text-[#f4c591] disabled:opacity-50"><RotateCcw className="size-3.5"/>{busy?"Saving…":"Void entry"}</button>
+    {error&&<span role="alert" className="max-w-52 text-right text-xs text-red-200">{error}</span>}
+  </div>;
+}
diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
index a910bfa..1d7b082 100644
--- a/src/lib/finance-service.ts
+++ b/src/lib/finance-service.ts
@@ -115,10 +115,14 @@ export async function memberClubFinance(db:PrismaClient,clubId:string,memberId:s
     orderBy:[{createdAt:"desc"},{id:"desc"}],take:80,
     select:{id:true,planName:true,priceMinor:true,currency:true,createdAt:true,cancelledAt:true,
       endAt:true,payments:{select:{id:true,amountMinor:true,receiptNo:true,receivedAt:true,method:true,
-        reversal:{select:{id:true}}},orderBy:{createdAt:"desc"},take:80}}
+        reversal:{select:{id:true}}},orderBy:{createdAt:"desc"},take:10}}
   });
+  const aggregates=terms.length?await db.clubPayment.groupBy({by:["subscriptionId"],
+    where:{clubId,memberRecordId:memberId,subscriptionId:{in:terms.map(t=>t.id)},reversal:{is:null}},
+    _sum:{amountMinor:true}}):[];
+  const paidByTerm=new Map(aggregates.map(a=>[a.subscriptionId,a._sum.amountMinor??0]));
   return terms.map(term=>{
-    const paid=term.payments.reduce((sum,p)=>sum+(p.reversal?0:p.amountMinor),0);
+    const paid=paidByTerm.get(term.id)??0;
     return {...term,paidMinor:paid,dueMinor:term.cancelledAt?0:financeBalance(term.priceMinor,paid)};
   });
 }

From 8366e6b5ce3cd79940fab4fd41b164deaf189095 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:46:05 +0530
Subject: [PATCH 07/12] feat(B4-G): private printable branded receipts with
 immutable payment snapshots

---
 .../finance/receipts/[paymentId]/page.tsx     | 76 +++++++++++++++++++
 .../clubs/print-club-receipt-button.tsx       |  8 ++
 2 files changed, 84 insertions(+)
 create mode 100644 src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
 create mode 100644 src/components/clubs/print-club-receipt-button.tsx

diff --git a/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx b/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
new file mode 100644
index 0000000..2429c22
--- /dev/null
+++ b/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
@@ -0,0 +1,76 @@
+import { Suspense } from "react";
+import Link from "next/link";
+import { notFound } from "next/navigation";
+import type { Metadata } from "next";
+import { ArrowLeft,ShieldCheck,ReceiptText,AlertTriangle } from "lucide-react";
+import { prisma } from "@/lib/prisma";
+import { requireSession } from "@/lib/required-session";
+import { requireClubActive } from "@/lib/member-service";
+import { formatMinorMoney } from "@/lib/money-format";
+import { receiptNumber } from "@/lib/finance-service";
+import { PrintClubReceiptButton } from "@/components/clubs/print-club-receipt-button";
+export const metadata:Metadata={title:"Recorded fee receipt · ClubKeep",robots:{index:false}};
+type Props={params:Promise<{clubId:string;paymentId:string}>};
+export default function RecordedReceipt(props:Props){
+  return <Suspense fallback={<main className="min-h-screen bg-[#120b07] p-10 text-[#f9e8d5]">Preparing your receipt…</main>}><ReceiptContent {...props}/></Suspense>;
+}
+async function ReceiptContent({params}:Props){
+  const {clubId,paymentId}=await params,session=await requireSession();
+  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER","STAFF"]);
+  const payment=await prisma.clubPayment.findFirst({where:{id:paymentId,clubId},select:{
+    id:true,receiptNo:true,clubName:true,memberName:true,memberNumber:true,planName:true,
+    termPriceMinor:true,termStartsAt:true,termEndsAt:true,currency:true,amountMinor:true,
+    method:true,externalReference:true,note:true,receivedAt:true,createdAt:true,
+    recorder:{select:{name:true}},reversal:{select:{reason:true,createdAt:true,actor:{select:{name:true}}}}
+  }});
+  if(!payment)notFound();
+  const voided=Boolean(payment.reversal);
+  return <main className="min-h-screen bg-[#0b0705] px-4 py-8 text-[#fff0dd] print:m-0 print:min-h-0 print:bg-white print:p-0 print:text-black">
+    <div className="mx-auto max-w-[760px]">
+      <header className="mb-7 flex flex-wrap items-center justify-between gap-3 print:hidden">
+        <Link href={"/clubs/"+clubId+"/finance/payments"} className="inline-flex items-center gap-2 text-sm text-[#f2c48a]"><ArrowLeft className="size-4"/>Payment ledger</Link>
+        <PrintClubReceiptButton/>
+      </header>
+      <article className="overflow-hidden rounded-3xl border border-[#efc181]/30 bg-[#fcf7ef] text-[#2e1a10] shadow-2xl print:rounded-none print:border-0 print:shadow-none">
+        <div className="flex items-start justify-between gap-3 bg-[#2e1b0e] px-6 py-9 text-[#f8e5ca] sm:px-10 print:bg-white print:text-black">
+          <div><p className="text-xs font-semibold tracking-[.22em] text-[#ecc28b] uppercase print:text-black">ClubKeep · Club receipt</p>
+            <h1 className="mt-3 text-3xl font-semibold tracking-tight">{payment.clubName}</h1>
+            <p className="mt-2 max-w-sm text-xs leading-6 text-[#d3b99d] print:text-black">Recorded external membership-fee collection</p>
+          </div>
+          <div className="grid size-14 shrink-0 place-items-center rounded-2xl bg-gradient-to-br from-[#f7d69e] to-[#e87928] text-2xl font-bold text-[#351b08]">CK</div>
+        </div>
+        <div className="p-6 sm:p-10">
+          <div className="flex flex-wrap justify-between gap-4 border-b border-[#d9c3a6] pb-8">
+            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Receipt number</p><p className="mt-2 text-2xl font-semibold tabular-nums">{receiptNumber(payment.receiptNo)}</p>
+              <p className="mt-2 text-xs text-[#7f614b]">Recorded {payment.createdAt.toISOString().slice(0,16).replace("T"," ")} UTC</p></div>
+            <div className="text-left sm:text-right"><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Status</p><p className={"mt-2 text-xl font-semibold "+(voided?"text-[#a83f36]":"text-[#2d744c]")}>{voided?"VOID / Reversed":"RECORDED"}</p>
+              <p className="mt-2 text-xs text-[#7f614b]">{voided?"This entry no longer counts toward dues":"Reported by club staff, not bank verified"}</p></div>
+          </div>
+          <div className="mt-8 grid gap-6 sm:grid-cols-2">
+            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Received from</p><p className="mt-2 text-xl font-semibold">{payment.memberName}</p><p className="mt-2 text-sm text-[#83624d]">Club member #{String(payment.memberNumber).padStart(4,"0")}</p></div>
+            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Membership</p><p className="mt-2 text-lg font-semibold">{payment.planName}</p><p className="mt-2 text-xs text-[#83624d]">{payment.termStartsAt.toISOString().slice(0,10)} — {payment.termEndsAt.toISOString().slice(0,10)} (end exclusive)</p></div>
+          </div>
+          <div className="mt-8 rounded-2xl border border-[#ddc7a8] bg-[#fffdf9] p-6">
+            <div className="flex items-center justify-between gap-3 text-sm"><span className="text-[#7d5c46]">Membership term fee</span><span className="font-semibold tabular-nums">{formatMinorMoney(payment.termPriceMinor,payment.currency)}</span></div>
+            <div className="mt-4 flex items-center justify-between gap-3 text-sm"><span className="text-[#7d5c46]">Externally received via</span><span className="font-semibold">{payment.method}</span></div>
+            <div className="mt-5 flex flex-wrap items-center justify-between gap-3 border-t border-[#e5ceb4] pt-5">
+              <span className="font-semibold">This recorded payment</span><strong className={"text-3xl font-semibold tabular-nums "+(voided?"text-[#9b4b40] line-through":"text-[#a24c10]")}>{formatMinorMoney(payment.amountMinor,payment.currency)}</strong>
+            </div>
+          </div>
+          {payment.externalReference&&<p className="mt-5 text-xs text-[#7c624e]">External reference (staff-entered): {payment.externalReference}</p>}
+          {payment.note&&<p className="mt-2 text-xs text-[#7c624e]">Internal note: {payment.note}</p>}
+          <p className="mt-5 text-xs text-[#7c624e]">Recorded by: {payment.recorder.name} · Received {payment.receivedAt.toISOString().slice(0,16).replace("T"," ")} UTC</p>
+          {payment.reversal&&<div className="mt-6 rounded-xl border border-[#e0a298] bg-[#fff0ed] p-5 text-[#8e352d]">
+            <p className="flex items-center gap-2 font-semibold"><AlertTriangle className="size-5"/>This recorded payment was voided</p>
+            <p className="mt-2 text-sm leading-6">Reason: {payment.reversal.reason}</p>
+            <p className="mt-2 text-xs">Reversed by {payment.reversal.actor.name} · {payment.reversal.createdAt.toISOString().slice(0,16).replace("T"," ")} UTC</p>
+          </div>}
+          <div className="mt-9 flex items-start gap-3 border-t border-[#e2cdb3] pt-6 text-xs leading-6 text-[#795d49]"><ShieldCheck className="mt-1 size-5 shrink-0 text-[#a16e3c]"/>
+            <span>This document confirms only that ClubKeep staff recorded a collection said to have been received outside the app. ClubKeep is not the payment processor. It is not a statutory tax invoice, bank confirmation or evidence of gateway settlement.</span>
+          </div>
+        </div>
+      </article>
+      <p className="mt-6 text-center text-xs text-[#ac9580] print:hidden"><ReceiptText className="mr-2 inline size-4"/>Financial receipts are accessible only to authorized club personnel.</p>
+    </div>
+  </main>;
+}
diff --git a/src/components/clubs/print-club-receipt-button.tsx b/src/components/clubs/print-club-receipt-button.tsx
new file mode 100644
index 0000000..f2eda65
--- /dev/null
+++ b/src/components/clubs/print-club-receipt-button.tsx
@@ -0,0 +1,8 @@
+"use client";
+import { Printer } from "lucide-react";
+export function PrintClubReceiptButton(){
+  return <button type="button" onClick={()=>window.print()}
+    className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#e9bc78] to-[#f26b00] px-5 text-sm font-bold text-[#291807]">
+    <Printer className="size-4"/>Print receipt
+  </button>;
+}

From 7bd5a5e5887ebd3d884516422148efc32e887fa0 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:48:13 +0530
Subject: [PATCH 08/12] test(B4-H): PG17 append-only ledger regression and CI
 finance gates

---
 .github/workflows/b4-formatter.yml            | 34 +++++++++++
 .github/workflows/ci.yml                      |  2 +
 .../migration.sql                             |  1 +
 prisma/schema.prisma                          |  1 +
 tests/integration/b4-finance-schema.test.mjs  | 58 +++++++++++++++++++
 5 files changed, 96 insertions(+)
 create mode 100644 .github/workflows/b4-formatter.yml
 create mode 100644 tests/integration/b4-finance-schema.test.mjs

diff --git a/.github/workflows/b4-formatter.yml b/.github/workflows/b4-formatter.yml
new file mode 100644
index 0000000..ee7d74a
--- /dev/null
+++ b/.github/workflows/b4-formatter.yml
@@ -0,0 +1,34 @@
+name: B4 transient source formatter
+on:
+  push:
+    branches: [feat/b4-club-finance-dues-receipts]
+permissions:
+  contents: write
+jobs:
+  format:
+    if: ${{ !contains(github.event.head_commit.message, '[b4-format-done]') }}
+    runs-on: ubuntu-24.04
+    timeout-minutes: 10
+    steps:
+      - uses: actions/checkout@11bd71901bbe5b1630ceea73d27597364c9af683 # v4.2.2
+        with:
+          persist-credentials: true
+      - uses: actions/setup-node@49933ea5288caeca8642d1e84afbd3f7d6820020 # v4.4.0
+        with:
+          node-version-file: .nvmrc
+          cache: npm
+      - run: npm ci
+        env:
+          HUSKY: "0"
+      - name: Apply project Prettier on B4 feature branch
+        run: |
+          set -euo pipefail
+          test "$GITHUB_REF_NAME" = "feat/b4-club-finance-dues-receipts"
+          npx prettier --write src tests prisma.config.ts next.config.ts
+          if ! git diff --quiet -- src tests prisma.config.ts next.config.ts; then
+            git config user.name "github-actions[bot]"
+            git config user.email "41898282+github-actions[bot]@users.noreply.github.com"
+            git add src tests prisma.config.ts next.config.ts
+            git commit -m "style(B4): format financial source [b4-format-done]"
+            git push origin "HEAD:$GITHUB_REF_NAME"
+          fi
diff --git a/.github/workflows/ci.yml b/.github/workflows/ci.yml
index d5f03f2..563f127 100644
--- a/.github/workflows/ci.yml
+++ b/.github/workflows/ci.yml
@@ -206,6 +206,8 @@ jobs:
         run: node --test tests/integration/attendance-schema.test.mjs
       - name: Validate B3 schema constraints and public revision safety on PostgreSQL 17
         run: node --test tests/integration/b3-schema.test.mjs
+      - name: Validate B4 append-only payments, receipt uniqueness and tenant constraints on PG17
+        run: node --test tests/integration/b4-finance-schema.test.mjs
       - name: One-time platform administrator provisioning on isolated PostgreSQL 17
         run: node --test tests/integration/platform-bootstrap.test.mjs
       - name: Legacy unversioned Better Auth baseline and populated upgrade
diff --git a/prisma/migrations/20261112010000_b4_club_finance/migration.sql b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
index 3795f22..1cd4c3d 100644
--- a/prisma/migrations/20261112010000_b4_club_finance/migration.sql
+++ b/prisma/migrations/20261112010000_b4_club_finance/migration.sql
@@ -62,6 +62,7 @@ CREATE TABLE "ClubPaymentReversal" (
   CONSTRAINT "ClubPaymentReversal_reversedByUserId_fkey" FOREIGN KEY ("reversedByUserId") REFERENCES "user"("id") ON DELETE RESTRICT ON UPDATE CASCADE
 );
 CREATE UNIQUE INDEX "ClubPaymentReversal_paymentId_key" ON "ClubPaymentReversal"("paymentId");
+CREATE UNIQUE INDEX "ClubPaymentReversal_clubId_paymentId_key" ON "ClubPaymentReversal"("clubId","paymentId");
 CREATE INDEX "ClubPaymentReversal_clubId_createdAt_idx" ON "ClubPaymentReversal"("clubId","createdAt" DESC);
 
 -- A reversal is the only correction path; financial entries cannot be edited or deleted.
diff --git a/prisma/schema.prisma b/prisma/schema.prisma
index c7c76c0..5e9292e 100644
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -557,5 +557,6 @@ model ClubPaymentReversal {
   payment ClubPayment @relation(fields: [clubId, paymentId], references: [clubId, id], onDelete: Restrict)
   actor User @relation("ClubPaymentReversalActor", fields: [reversedByUserId], references: [id], onDelete: Restrict)
 
+  @@unique([clubId, paymentId])
   @@index([clubId, createdAt(sort: Desc)])
 }
diff --git a/tests/integration/b4-finance-schema.test.mjs b/tests/integration/b4-finance-schema.test.mjs
new file mode 100644
index 0000000..8f4eb84
--- /dev/null
+++ b/tests/integration/b4-finance-schema.test.mjs
@@ -0,0 +1,58 @@
+import assert from "node:assert/strict";
+import test from "node:test";
+import { randomUUID } from "node:crypto";
+import pg from "pg";
+assert.ok(process.env.DATABASE_URL,"Run on disposable migrated ClubKeep PostgreSQL 17 only");
+const {Client}=pg;
+async function withinTx(fn){
+  const db=new Client({connectionString:process.env.DATABASE_URL,connectionTimeoutMillis:5000});
+  await db.connect();try{await db.query("BEGIN");await fn(db);}finally{await db.query("ROLLBACK");await db.end();}
+}
+async function reject(db,sql,values,code){
+  await db.query("SAVEPOINT expected_failure");
+  try{await assert.rejects(()=>db.query(sql,values),(err)=>err.code===code);}
+  finally{await db.query("ROLLBACK TO SAVEPOINT expected_failure");}
+}
+async function fixture(db){
+  const n=randomUUID().slice(0,8),user="b4-u-"+n,club="b4-a-"+n,foreignClub="b4-b-"+n;
+  const member="b4-m-"+n,plan="b4-plan-"+n,term="b4-term-"+n;
+  await db.query('INSERT INTO "user" ("id","name","email","updatedAt") VALUES ($1,\'Bookkeeper\',$2,NOW())',[user,user+"@example.invalid"]);
+  await db.query('INSERT INTO "Club" ("id","slug","name","updatedAt") VALUES ($1,$1,\'Club One\',NOW()),($2,$2,\'Club Two\',NOW())',[club,foreignClub]);
+  await db.query('INSERT INTO "ClubMemberRecord" ("id","clubId","memberNumber","displayName","updatedAt") VALUES ($1,$2,1,\'Walk-in Member\',NOW())',[member,club]);
+  await db.query('INSERT INTO "ClubPlan" ("id","clubId","name","durationUnit","durationCount","priceMinor","currency","updatedAt") VALUES ($1,$2,\'Monthly\',\'MONTHS\',1,15000,\'INR\',NOW())',[plan,club]);
+  await db.query('INSERT INTO "MemberSubscription" ("id","clubId","memberRecordId","planId","planName","priceMinor","currency","startAt","endAt","operationKey","createdByUserId") VALUES ($1,$2,$3,$4,\'Monthly\',15000,\'INR\',NOW(),NOW()+INTERVAL \'1 month\',$5,$6)',[term,club,member,plan,"b4-term-op-"+n,user]);
+  return {n,user,club,foreignClub,member,term};
+}
+function insertSQL(){
+  return 'INSERT INTO "ClubPayment" ("id","clubId","memberRecordId","subscriptionId","receiptNo","operationKey","amountMinor","currency","method","recordedByUserId","clubName","memberName","memberNumber","planName","termPriceMinor","termStartsAt","termEndsAt") VALUES ($1,$2,$3,$4,$5,$6,$7,$8,\'CASH\',$9,\'Club One\',\'Walk-in Member\',1,\'Monthly\',15000,NOW(),NOW()+INTERVAL \'1 month\')';
+}
+test("B4 denies cross-club member/term use, zero money, duplicate receipts and idempotency keys",async()=>{
+  await withinTx(async db=>{
+    const f=await fixture(db),payment="b4-pay-"+f.n,key="b4-payment-op-"+f.n;
+    const good=[payment,f.club,f.member,f.term,1,key,5000,"INR",f.user];
+    await db.query(insertSQL(),good);
+    await reject(db,insertSQL(),["b4-foreign-"+f.n,f.foreignClub,f.member,f.term,2,key+"foreign",100,"INR",f.user],"23503");
+    await reject(db,insertSQL(),["b4-zero-"+f.n,f.club,f.member,f.term,2,key+"zero",0,"INR",f.user],"23514");
+    await reject(db,insertSQL(),["b4-negative-"+f.n,f.club,f.member,f.term,2,key+"negative",-1,"INR",f.user],"23514");
+    await reject(db,insertSQL(),["b4-dupno-"+f.n,f.club,f.member,f.term,1,key+"duplicate",1,"INR",f.user],"23505");
+    await reject(db,insertSQL(),["b4-dupkey-"+f.n,f.club,f.member,f.term,2,key,1,"INR",f.user],"23505");
+    await reject(db,insertSQL(),["b4-badcurrency-"+f.n,f.club,f.member,f.term,2,key+"currency",10,"123",f.user],"23514");
+    assert.equal((await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "clubId"=$1',[f.club])).rows[0].n,1);
+  });
+});
+test("B4 appends one reversal, never rewrites or deletes historical payments or reversals",async()=>{
+  await withinTx(async db=>{
+    const f=await fixture(db),payment="b4-pay-"+f.n,key="b4-payment-op-"+f.n;
+    await db.query(insertSQL(),[payment,f.club,f.member,f.term,1,key,5000,"INR",f.user]);
+    await reject(db,'UPDATE "ClubPayment" SET "amountMinor"=2000 WHERE "id"=$1',[payment],"P0001");
+    await reject(db,'DELETE FROM "ClubPayment" WHERE "id"=$1',[payment],"P0001");
+    await db.query('INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',["b4-rev-"+f.n,f.club,payment,"Mistaken collection entered twice",f.user]);
+    await reject(db,'INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',["b4-other-rev-"+f.n,f.club,payment,"Mistaken collection entered twice",f.user],"23505");
+    await reject(db,'UPDATE "ClubPaymentReversal" SET "reason"=$2 WHERE "paymentId"=$1',[payment,"Some other reason"],"P0001");
+    await reject(db,'DELETE FROM "ClubPaymentReversal" WHERE "paymentId"=$1',[payment],"P0001");
+    const p=(await db.query('SELECT p."amountMinor",r."reason" FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id" WHERE p."id"=$1',[payment])).rows[0];
+    assert.equal(p.amountMinor,5000);assert.equal(p.reason,"Mistaken collection entered twice");
+    await db.query('UPDATE "MemberSubscription" SET "cancelledAt"=NOW() WHERE "id"=$1',[f.term]);
+    assert.equal((await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "id"=$1',[payment])).rows[0].n,1);
+  });
+});

From 2635786766d5e7b6e227d362691475abc0b70e62 Mon Sep 17 00:00:00 2001
From: "github-actions[bot]"
 <41898282+github-actions[bot]@users.noreply.github.com>
Date: Wed, 11 Nov 2026 22:19:47 +0000
Subject: [PATCH 09/12] style(B4): format financial source [b4-format-done]

---
 .../payments/[paymentId]/reverse/route.ts     |  48 ++-
 .../clubs/[clubId]/finance/payments/route.ts  |  76 ++--
 src/app/clubs/[clubId]/finance/dues/page.tsx  | 111 ++++--
 src/app/clubs/[clubId]/finance/page.tsx       | 257 ++++++++++---
 .../clubs/[clubId]/finance/payments/page.tsx  | 120 ++++--
 .../finance/receipts/[paymentId]/page.tsx     | 250 +++++++++---
 .../[clubId]/members/[memberId]/page.tsx      |  72 +++-
 src/components/clubs/business-shell.tsx       |  10 +-
 .../clubs/print-club-receipt-button.tsx       |  16 +-
 .../clubs/record-club-payment-form.tsx        | 251 +++++++++---
 .../clubs/reverse-payment-button.tsx          |  80 +++-
 src/lib/finance-service.ts                    | 363 +++++++++++++-----
 src/lib/validations/finance.ts                |  26 +-
 tests/integration/b4-finance-schema.test.mjs  | 200 +++++++---
 14 files changed, 1426 insertions(+), 454 deletions(-)

diff --git a/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts b/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
index 50046e5..d9255c9 100644
--- a/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
+++ b/src/app/api/clubs/[clubId]/finance/payments/[paymentId]/reverse/route.ts
@@ -3,20 +3,38 @@ import { prisma } from "@/lib/prisma";
 import { reverseClubPayment } from "@/lib/finance-service";
 import { reverseClubPaymentInput } from "@/lib/validations/finance";
 import { idInput } from "@/lib/validations/onboarding";
-import { guardOnboardingPost,jsonPrivate,onboardingFailure,readOnboardingBody } from "@/lib/onboarding-http";
+import {
+  guardOnboardingPost,
+  jsonPrivate,
+  onboardingFailure,
+  readOnboardingBody,
+} from "@/lib/onboarding-http";
 
-export async function POST(request:NextRequest,{params}:{
-  params:Promise<{clubId:string;paymentId:string}>
-}):Promise<Response>{
-  try{
-    const {clubId,paymentId}=await params;
-    if(!idInput.safeParse(clubId).success||!idInput.safeParse(paymentId).success)
-      return jsonPrivate({error:"Payment not found"},404);
-    const guard=await guardOnboardingPost(request,"b4-reverse-payment",12,true);
-    if(!guard.ok)return guard.response;
-    const input=reverseClubPaymentInput.safeParse(await readOnboardingBody(request));
-    if(!input.success)return jsonPrivate({error:"Reason must contain 8–240 characters"},400);
-    const reversal=await reverseClubPayment(prisma,guard.userId!,clubId,paymentId,input.data.reason);
-    return jsonPrivate({reversal},reversal.repeated?200:201);
-  }catch(error){return onboardingFailure(error);}
+export async function POST(
+  request: NextRequest,
+  {
+    params,
+  }: {
+    params: Promise<{ clubId: string; paymentId: string }>;
+  }
+): Promise<Response> {
+  try {
+    const { clubId, paymentId } = await params;
+    if (!idInput.safeParse(clubId).success || !idInput.safeParse(paymentId).success)
+      return jsonPrivate({ error: "Payment not found" }, 404);
+    const guard = await guardOnboardingPost(request, "b4-reverse-payment", 12, true);
+    if (!guard.ok) return guard.response;
+    const input = reverseClubPaymentInput.safeParse(await readOnboardingBody(request));
+    if (!input.success) return jsonPrivate({ error: "Reason must contain 8–240 characters" }, 400);
+    const reversal = await reverseClubPayment(
+      prisma,
+      guard.userId!,
+      clubId,
+      paymentId,
+      input.data.reason
+    );
+    return jsonPrivate({ reversal }, reversal.repeated ? 200 : 201);
+  } catch (error) {
+    return onboardingFailure(error);
+  }
 }
diff --git a/src/app/api/clubs/[clubId]/finance/payments/route.ts b/src/app/api/clubs/[clubId]/finance/payments/route.ts
index a99ff77..8eb9ce7 100644
--- a/src/app/api/clubs/[clubId]/finance/payments/route.ts
+++ b/src/app/api/clubs/[clubId]/finance/payments/route.ts
@@ -2,35 +2,57 @@ import { NextRequest } from "next/server";
 import { auth } from "@/lib/auth";
 import { prisma } from "@/lib/prisma";
 import { requireClubActive } from "@/lib/member-service";
-import { recordClubPayment,recentClubPayments } from "@/lib/finance-service";
+import { recordClubPayment, recentClubPayments } from "@/lib/finance-service";
 import { recordClubPaymentInput } from "@/lib/validations/finance";
 import { idInput } from "@/lib/validations/onboarding";
-import { guardOnboardingPost,jsonPrivate,onboardingFailure,readOnboardingBody } from "@/lib/onboarding-http";
+import {
+  guardOnboardingPost,
+  jsonPrivate,
+  onboardingFailure,
+  readOnboardingBody,
+} from "@/lib/onboarding-http";
 
-type Context={params:Promise<{clubId:string}>};
-export async function POST(request:NextRequest,{params}:Context):Promise<Response>{
-  try{
-    const {clubId}=await params;
-    if(!idInput.safeParse(clubId).success)return jsonPrivate({error:"Club not found"},404);
-    const guard=await guardOnboardingPost(request,"b4-record-payment",45,true);
-    if(!guard.ok)return guard.response;
-    const input=recordClubPaymentInput.safeParse(await readOnboardingBody(request));
-    if(!input.success)return jsonPrivate({error:"Check payment amount, method and membership"},400);
-    const payment=await recordClubPayment(prisma,guard.userId!,clubId,input.data);
-    return jsonPrivate({payment,receiptUrl:"/clubs/"+encodeURIComponent(clubId)+"/finance/receipts/"+encodeURIComponent(payment.id)},payment.repeated?200:201);
-  }catch(error){return onboardingFailure(error);}
+type Context = { params: Promise<{ clubId: string }> };
+export async function POST(request: NextRequest, { params }: Context): Promise<Response> {
+  try {
+    const { clubId } = await params;
+    if (!idInput.safeParse(clubId).success) return jsonPrivate({ error: "Club not found" }, 404);
+    const guard = await guardOnboardingPost(request, "b4-record-payment", 45, true);
+    if (!guard.ok) return guard.response;
+    const input = recordClubPaymentInput.safeParse(await readOnboardingBody(request));
+    if (!input.success)
+      return jsonPrivate({ error: "Check payment amount, method and membership" }, 400);
+    const payment = await recordClubPayment(prisma, guard.userId!, clubId, input.data);
+    return jsonPrivate(
+      {
+        payment,
+        receiptUrl:
+          "/clubs/" +
+          encodeURIComponent(clubId) +
+          "/finance/receipts/" +
+          encodeURIComponent(payment.id),
+      },
+      payment.repeated ? 200 : 201
+    );
+  } catch (error) {
+    return onboardingFailure(error);
+  }
 }
-export async function GET(request:NextRequest,{params}:Context):Promise<Response>{
-  try{
-    const {clubId}=await params;
-    if(!idInput.safeParse(clubId).success)return jsonPrivate({error:"Club not found"},404);
-    const session=await auth.api.getSession({headers:request.headers});
-    if(!session?.user?.emailVerified)return jsonPrivate({error:"Sign in and verify your account"},401);
-    await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
-    const cursor=request.nextUrl.searchParams.get("cursor")??undefined;
-    if(cursor&&!idInput.safeParse(cursor).success)return jsonPrivate({error:"Invalid cursor"},400);
-    const rows=await recentClubPayments(prisma,clubId,cursor);
-    const page=rows.slice(0,50);
-    return jsonPrivate({payments:page,nextCursor:rows.length>50?page.at(-1)?.id:null});
-  }catch(error){return onboardingFailure(error);}
+export async function GET(request: NextRequest, { params }: Context): Promise<Response> {
+  try {
+    const { clubId } = await params;
+    if (!idInput.safeParse(clubId).success) return jsonPrivate({ error: "Club not found" }, 404);
+    const session = await auth.api.getSession({ headers: request.headers });
+    if (!session?.user?.emailVerified)
+      return jsonPrivate({ error: "Sign in and verify your account" }, 401);
+    await requireClubActive(prisma, session.user.id, clubId, ["OWNER", "MANAGER"]);
+    const cursor = request.nextUrl.searchParams.get("cursor") ?? undefined;
+    if (cursor && !idInput.safeParse(cursor).success)
+      return jsonPrivate({ error: "Invalid cursor" }, 400);
+    const rows = await recentClubPayments(prisma, clubId, cursor);
+    const page = rows.slice(0, 50);
+    return jsonPrivate({ payments: page, nextCursor: rows.length > 50 ? page.at(-1)?.id : null });
+  } catch (error) {
+    return onboardingFailure(error);
+  }
 }
diff --git a/src/app/clubs/[clubId]/finance/dues/page.tsx b/src/app/clubs/[clubId]/finance/dues/page.tsx
index 1336add..d03eb17 100644
--- a/src/app/clubs/[clubId]/finance/dues/page.tsx
+++ b/src/app/clubs/[clubId]/finance/dues/page.tsx
@@ -1,6 +1,6 @@
 import { Suspense } from "react";
 import Link from "next/link";
-import { CalendarClock,ArrowRight } from "lucide-react";
+import { CalendarClock, ArrowRight } from "lucide-react";
 import type { Metadata } from "next";
 import { requireSession } from "@/lib/required-session";
 import { requireClubActive } from "@/lib/member-service";
@@ -9,27 +9,92 @@ import { clubDuesPage } from "@/lib/finance-service";
 import { formatMinorMoney } from "@/lib/money-format";
 import { BusinessShell } from "@/components/clubs/business-shell";
 import { idInput } from "@/lib/validations/onboarding";
-export const metadata:Metadata={title:"Outstanding membership dues · ClubKeep",robots:{index:false}};
-type Props={params:Promise<{clubId:string}>;searchParams:Promise<{cursor?:string}>};
-export default function Dues(props:Props){
-  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading dues…</main>}><DuesContent {...props}/></Suspense>;
+export const metadata: Metadata = {
+  title: "Outstanding membership dues · ClubKeep",
+  robots: { index: false },
+};
+type Props = { params: Promise<{ clubId: string }>; searchParams: Promise<{ cursor?: string }> };
+export default function Dues(props: Props) {
+  return (
+    <Suspense
+      fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading dues…</main>}
+    >
+      <DuesContent {...props} />
+    </Suspense>
+  );
 }
-async function DuesContent({params,searchParams}:Props){
-  const {clubId}=await params,{cursor}=await searchParams,session=await requireSession();
-  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
-  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true}});
-  const safeCursor=cursor&&idInput.safeParse(cursor).success?cursor:undefined;
-  const records=await clubDuesPage(prisma,clubId,safeCursor),page=records.slice(0,50);
-  return <BusinessShell clubId={clubId} clubName={club.name} active="finance" eyebrow="Follow up with care"
-    title="Outstanding membership dues." description="Expected fees minus nonvoided recorded collections, one membership term at a time. Cancelled terms are excluded.">
-    <div className="mt-7 overflow-hidden rounded-3xl border border-[#f5c88d]/15 bg-[#1d140e]">
-      {page.length===0?<div className="p-10 text-center"><CalendarClock className="mx-auto size-9 text-[#f3be7e]"/><p className="mt-4 font-semibold">No outstanding dues on this page</p><p className="mt-2 text-sm text-[#bfa58e]">You are all caught up, or there are no memberships assigned.</p></div>:
-        <div className="divide-y divide-[#f6dc9b]/10">{page.map(r=><Link key={r.id} href={"/clubs/"+clubId+"/members/"+r.memberRecordId} className="flex flex-wrap items-center justify-between gap-3 p-5 hover:bg-[#2b1c11]">
-          <div><p className="font-semibold">{r.memberName} <span className="text-xs text-[#a98e7a]">#{r.memberNumber}</span></p><p className="mt-2 text-xs text-[#bda48b]">{r.planName} · Expires {r.endAt.toISOString().slice(0,10)}</p></div>
-          <div className="flex items-center gap-3"><span className="text-right"><span className="block font-semibold text-[#f6c58c]">{formatMinorMoney(r.dueMinor,r.currency)}</span><span className="block text-xs text-[#ac957f]">Remaining</span></span><ArrowRight className="size-4 text-[#bd9974]"/></div>
-        </Link>)}</div>}
-    </div>
-    {records.length>50&&page.at(-1)&&<Link className="mt-5 inline-flex rounded-xl border border-[#f6dc9b]/20 px-5 py-3 text-sm text-[#f7c48c]" href={"/clubs/"+clubId+"/finance/dues?cursor="+encodeURIComponent(page.at(-1)!.id)}>Next page <ArrowRight className="ml-2 size-4"/></Link>}
-    <p className="mt-6 text-xs text-[#a9917b]">Open a member to record an externally received payment. Financial figures are not bank-verified.</p>
-  </BusinessShell>;
+async function DuesContent({ params, searchParams }: Props) {
+  const { clubId } = await params,
+    { cursor } = await searchParams,
+    session = await requireSession();
+  await requireClubActive(prisma, session.user.id, clubId, ["OWNER", "MANAGER"]);
+  const club = await prisma.club.findUniqueOrThrow({
+    where: { id: clubId },
+    select: { name: true },
+  });
+  const safeCursor = cursor && idInput.safeParse(cursor).success ? cursor : undefined;
+  const records = await clubDuesPage(prisma, clubId, safeCursor),
+    page = records.slice(0, 50);
+  return (
+    <BusinessShell
+      clubId={clubId}
+      clubName={club.name}
+      active="finance"
+      eyebrow="Follow up with care"
+      title="Outstanding membership dues."
+      description="Expected fees minus nonvoided recorded collections, one membership term at a time. Cancelled terms are excluded."
+    >
+      <div className="mt-7 overflow-hidden rounded-3xl border border-[#f5c88d]/15 bg-[#1d140e]">
+        {page.length === 0 ? (
+          <div className="p-10 text-center">
+            <CalendarClock className="mx-auto size-9 text-[#f3be7e]" />
+            <p className="mt-4 font-semibold">No outstanding dues on this page</p>
+            <p className="mt-2 text-sm text-[#bfa58e]">
+              You are all caught up, or there are no memberships assigned.
+            </p>
+          </div>
+        ) : (
+          <div className="divide-y divide-[#f6dc9b]/10">
+            {page.map((r) => (
+              <Link
+                key={r.id}
+                href={"/clubs/" + clubId + "/members/" + r.memberRecordId}
+                className="flex flex-wrap items-center justify-between gap-3 p-5 hover:bg-[#2b1c11]"
+              >
+                <div>
+                  <p className="font-semibold">
+                    {r.memberName} <span className="text-xs text-[#a98e7a]">#{r.memberNumber}</span>
+                  </p>
+                  <p className="mt-2 text-xs text-[#bda48b]">
+                    {r.planName} · Expires {r.endAt.toISOString().slice(0, 10)}
+                  </p>
+                </div>
+                <div className="flex items-center gap-3">
+                  <span className="text-right">
+                    <span className="block font-semibold text-[#f6c58c]">
+                      {formatMinorMoney(r.dueMinor, r.currency)}
+                    </span>
+                    <span className="block text-xs text-[#ac957f]">Remaining</span>
+                  </span>
+                  <ArrowRight className="size-4 text-[#bd9974]" />
+                </div>
+              </Link>
+            ))}
+          </div>
+        )}
+      </div>
+      {records.length > 50 && page.at(-1) && (
+        <Link
+          className="mt-5 inline-flex rounded-xl border border-[#f6dc9b]/20 px-5 py-3 text-sm text-[#f7c48c]"
+          href={"/clubs/" + clubId + "/finance/dues?cursor=" + encodeURIComponent(page.at(-1)!.id)}
+        >
+          Next page <ArrowRight className="ml-2 size-4" />
+        </Link>
+      )}
+      <p className="mt-6 text-xs text-[#a9917b]">
+        Open a member to record an externally received payment. Financial figures are not
+        bank-verified.
+      </p>
+    </BusinessShell>
+  );
 }
diff --git a/src/app/clubs/[clubId]/finance/page.tsx b/src/app/clubs/[clubId]/finance/page.tsx
index da2bb70..0e30a36 100644
--- a/src/app/clubs/[clubId]/finance/page.tsx
+++ b/src/app/clubs/[clubId]/finance/page.tsx
@@ -1,76 +1,209 @@
 import { Suspense } from "react";
 import Link from "next/link";
-import { WalletCards,Coins,CalendarClock,ReceiptText,ArrowUpRight,History,ArrowRight } from "lucide-react";
+import {
+  WalletCards,
+  Coins,
+  CalendarClock,
+  ReceiptText,
+  ArrowUpRight,
+  History,
+  ArrowRight,
+} from "lucide-react";
 import type { Metadata } from "next";
 import { requireSession } from "@/lib/required-session";
 import { requireClubActive } from "@/lib/member-service";
 import { prisma } from "@/lib/prisma";
-import { clubFinanceSummary,recentClubPayments,financeMonthlyTrend,receiptNumber } from "@/lib/finance-service";
+import {
+  clubFinanceSummary,
+  recentClubPayments,
+  financeMonthlyTrend,
+  receiptNumber,
+} from "@/lib/finance-service";
 import { formatMinorMoney } from "@/lib/money-format";
 import { BusinessShell } from "@/components/clubs/business-shell";
 
-export const metadata:Metadata={title:"Club finance · ClubKeep",robots:{index:false}};
-type Props={params:Promise<{clubId:string}>};
-export default function ClubFinance(props:Props){
-  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-[#f8e6d2]">Loading club finances…</main>}><FinanceContent {...props}/></Suspense>;
+export const metadata: Metadata = { title: "Club finance · ClubKeep", robots: { index: false } };
+type Props = { params: Promise<{ clubId: string }> };
+export default function ClubFinance(props: Props) {
+  return (
+    <Suspense
+      fallback={
+        <main className="min-h-screen bg-[#0b0705] p-9 text-[#f8e6d2]">Loading club finances…</main>
+      }
+    >
+      <FinanceContent {...props} />
+    </Suspense>
+  );
 }
-async function FinanceContent({params}:Props){
-  const {clubId}=await params,session=await requireSession();
-  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
-  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true,timeZone:true}});
-  const [totals,recent,trend]=await Promise.all([
-    clubFinanceSummary(prisma,clubId),recentClubPayments(prisma,clubId),financeMonthlyTrend(prisma,clubId,club.timeZone)
+async function FinanceContent({ params }: Props) {
+  const { clubId } = await params,
+    session = await requireSession();
+  await requireClubActive(prisma, session.user.id, clubId, ["OWNER", "MANAGER"]);
+  const club = await prisma.club.findUniqueOrThrow({
+    where: { id: clubId },
+    select: { name: true, timeZone: true },
+  });
+  const [totals, recent, trend] = await Promise.all([
+    clubFinanceSummary(prisma, clubId),
+    recentClubPayments(prisma, clubId),
+    financeMonthlyTrend(prisma, clubId, club.timeZone),
   ]);
-  const base="/clubs/"+encodeURIComponent(clubId)+"/finance";
-  return <BusinessShell clubId={clubId} clubName={club.name} active="finance"
-    eyebrow="Your club's money story" title="Finance, without the guesswork."
-    description="Track fees received outside ClubKeep, understand outstanding memberships, and issue clear receipts. No payments are processed by ClubKeep.">
-    <div className="mt-8 flex flex-wrap gap-3">
-      <Link href={base+"/dues"} className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#eac275] to-[#f26b00] px-5 font-semibold text-[#2b190e]"><CalendarClock className="size-4"/>View outstanding dues</Link>
-      <Link href={base+"/payments"} className="inline-flex min-h-12 items-center gap-2 rounded-xl border border-[#edbe7b]/25 px-5 text-sm text-[#f8cca0]"><History className="size-4"/>All recorded payments</Link>
-    </div>
-    <div className="mt-8 space-y-6">
-      {totals.length===0?<section className="rounded-3xl border border-dashed border-[#edbe7b]/25 bg-[#19120c] p-10 text-center">
-        <WalletCards className="mx-auto size-10 text-[#eebf7e]"/>
-        <h2 className="mt-4 text-2xl font-semibold">A clearer picture starts here</h2>
-        <p className="mx-auto mt-3 max-w-lg text-sm leading-7 text-[#bea48c]">Create a membership plan and assign your first member. Record externally received fees from the member profile.</p>
-        <Link href={"/clubs/"+clubId+"/members"} className="mt-5 inline-flex items-center gap-2 text-sm text-[#f8c38c] underline underline-offset-4">Go to members <ArrowRight className="size-4"/></Link>
-      </section>:totals.map(entry=><section key={entry.currency} className="rounded-3xl border border-[#f5c484]/20 bg-[#19110b] p-5 sm:p-7">
-        <div className="flex flex-wrap items-center justify-between gap-3">
-          <div><p className="text-xs font-semibold tracking-[.2em] text-[#e7b779] uppercase">{entry.currency} · Club finances</p><h2 className="mt-2 text-xl font-semibold">{entry.terms} active or scheduled membership terms</h2></div>
-          <span className="rounded-xl bg-[#392415] px-3 py-2 text-xs text-[#f5be7e]">Currency totals kept separate</span>
-        </div>
-        <div className="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-4">
-          {[
-            {icon:Coins,label:"Expected term fees",value:entry.charged},
-            {icon:WalletCards,label:"Recorded net collections",value:entry.collected},
-            {icon:ReceiptText,label:"Outstanding dues",value:entry.outstanding},
-            {icon:CalendarClock,label:"Overdue at term expiry",value:entry.overdue}
-          ].map(({icon:Icon,label,value})=><div key={label} className="rounded-2xl border border-[#efc485]/10 bg-[#26180f] p-5">
-            <Icon className="size-5 text-[#f2bd79]"/><p className="mt-4 break-all text-2xl font-semibold tabular-nums">{formatMinorMoney(value,entry.currency)}</p><p className="mt-2 text-xs leading-5 text-[#c4ab96]">{label}</p>
-          </div>)}
+  const base = "/clubs/" + encodeURIComponent(clubId) + "/finance";
+  return (
+    <BusinessShell
+      clubId={clubId}
+      clubName={club.name}
+      active="finance"
+      eyebrow="Your club's money story"
+      title="Finance, without the guesswork."
+      description="Track fees received outside ClubKeep, understand outstanding memberships, and issue clear receipts. No payments are processed by ClubKeep."
+    >
+      <div className="mt-8 flex flex-wrap gap-3">
+        <Link
+          href={base + "/dues"}
+          className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#eac275] to-[#f26b00] px-5 font-semibold text-[#2b190e]"
+        >
+          <CalendarClock className="size-4" />
+          View outstanding dues
+        </Link>
+        <Link
+          href={base + "/payments"}
+          className="inline-flex min-h-12 items-center gap-2 rounded-xl border border-[#edbe7b]/25 px-5 text-sm text-[#f8cca0]"
+        >
+          <History className="size-4" />
+          All recorded payments
+        </Link>
+      </div>
+      <div className="mt-8 space-y-6">
+        {totals.length === 0 ? (
+          <section className="rounded-3xl border border-dashed border-[#edbe7b]/25 bg-[#19120c] p-10 text-center">
+            <WalletCards className="mx-auto size-10 text-[#eebf7e]" />
+            <h2 className="mt-4 text-2xl font-semibold">A clearer picture starts here</h2>
+            <p className="mx-auto mt-3 max-w-lg text-sm leading-7 text-[#bea48c]">
+              Create a membership plan and assign your first member. Record externally received fees
+              from the member profile.
+            </p>
+            <Link
+              href={"/clubs/" + clubId + "/members"}
+              className="mt-5 inline-flex items-center gap-2 text-sm text-[#f8c38c] underline underline-offset-4"
+            >
+              Go to members <ArrowRight className="size-4" />
+            </Link>
+          </section>
+        ) : (
+          totals.map((entry) => (
+            <section
+              key={entry.currency}
+              className="rounded-3xl border border-[#f5c484]/20 bg-[#19110b] p-5 sm:p-7"
+            >
+              <div className="flex flex-wrap items-center justify-between gap-3">
+                <div>
+                  <p className="text-xs font-semibold tracking-[.2em] text-[#e7b779] uppercase">
+                    {entry.currency} · Club finances
+                  </p>
+                  <h2 className="mt-2 text-xl font-semibold">
+                    {entry.terms} active or scheduled membership terms
+                  </h2>
+                </div>
+                <span className="rounded-xl bg-[#392415] px-3 py-2 text-xs text-[#f5be7e]">
+                  Currency totals kept separate
+                </span>
+              </div>
+              <div className="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-4">
+                {[
+                  { icon: Coins, label: "Expected term fees", value: entry.charged },
+                  { icon: WalletCards, label: "Recorded net collections", value: entry.collected },
+                  { icon: ReceiptText, label: "Outstanding dues", value: entry.outstanding },
+                  { icon: CalendarClock, label: "Overdue at term expiry", value: entry.overdue },
+                ].map(({ icon: Icon, label, value }) => (
+                  <div
+                    key={label}
+                    className="rounded-2xl border border-[#efc485]/10 bg-[#26180f] p-5"
+                  >
+                    <Icon className="size-5 text-[#f2bd79]" />
+                    <p className="mt-4 text-2xl font-semibold break-all tabular-nums">
+                      {formatMinorMoney(value, entry.currency)}
+                    </p>
+                    <p className="mt-2 text-xs leading-5 text-[#c4ab96]">{label}</p>
+                  </div>
+                ))}
+              </div>
+            </section>
+          ))
+        )}
+        <div className="grid gap-6 xl:grid-cols-[1.05fr_.95fr]">
+          <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
+            <h2 className="text-xl font-semibold">Collections over time</h2>
+            <p className="mt-2 text-xs text-[#b9a18e]">
+              Monthly externally recorded net collections, local club time
+            </p>
+            {trend.length === 0 ? (
+              <p className="mt-6 text-sm text-[#bba38f]">
+                Once you record your first fee, monthly totals will appear here.
+              </p>
+            ) : (
+              <div className="mt-7 space-y-3">
+                {trend.slice(-18).map((t) => (
+                  <div
+                    key={t.month + "-" + t.currency}
+                    className="flex items-center justify-between gap-4 rounded-xl bg-[#26180e] px-4 py-3 text-sm"
+                  >
+                    <span className="text-[#c8ac91]">
+                      {t.month} · {t.currency}
+                    </span>
+                    <span className="font-semibold text-[#f6c38b] tabular-nums">
+                      {formatMinorMoney(t.amount, t.currency)}
+                    </span>
+                  </div>
+                ))}
+              </div>
+            )}
+          </section>
+          <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
+            <div className="flex items-center justify-between gap-3">
+              <h2 className="text-xl font-semibold">Recent entries</h2>
+              <Link href={base + "/payments"} className="text-sm text-[#f6c38b]">
+                View all <ArrowUpRight className="inline size-4" />
+              </Link>
+            </div>
+            {recent.length === 0 ? (
+              <p className="mt-6 text-sm text-[#bba38f]">
+                No club payments have been recorded yet.
+              </p>
+            ) : (
+              <ul className="mt-5 divide-y divide-[#f6dc9b]/10">
+                {recent.slice(0, 8).map((p) => (
+                  <li key={p.id} className="flex items-center justify-between gap-3 py-3 text-sm">
+                    <span className="min-w-0">
+                      <Link
+                        href={base + "/receipts/" + encodeURIComponent(p.id)}
+                        className="font-semibold text-[#f5c18b] hover:underline"
+                      >
+                        {receiptNumber(p.receiptNo)}
+                      </Link>
+                      <span className="mt-1 block truncate text-xs text-[#b7a08d]">
+                        {p.memberName} · {p.method}
+                      </span>
+                    </span>
+                    <span
+                      className={
+                        p.reversal ? "text-[#aa9585] line-through" : "font-semibold text-[#f7d0a1]"
+                      }
+                    >
+                      {formatMinorMoney(p.amountMinor, p.currency)}
+                    </span>
+                  </li>
+                ))}
+              </ul>
+            )}
+          </section>
         </div>
-      </section>)}
-      <div className="grid gap-6 xl:grid-cols-[1.05fr_.95fr]">
-        <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
-          <h2 className="text-xl font-semibold">Collections over time</h2><p className="mt-2 text-xs text-[#b9a18e]">Monthly externally recorded net collections, local club time</p>
-          {trend.length===0?<p className="mt-6 text-sm text-[#bba38f]">Once you record your first fee, monthly totals will appear here.</p>:<div className="mt-7 space-y-3">
-            {trend.slice(-18).map(t=><div key={t.month+"-"+t.currency} className="flex items-center justify-between gap-4 rounded-xl bg-[#26180e] px-4 py-3 text-sm">
-              <span className="text-[#c8ac91]">{t.month} · {t.currency}</span><span className="font-semibold text-[#f6c38b] tabular-nums">{formatMinorMoney(t.amount,t.currency)}</span>
-            </div>)}
-          </div>}
-        </section>
-        <section className="rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b] p-6">
-          <div className="flex items-center justify-between gap-3"><h2 className="text-xl font-semibold">Recent entries</h2><Link href={base+"/payments"} className="text-sm text-[#f6c38b]">View all <ArrowUpRight className="inline size-4"/></Link></div>
-          {recent.length===0?<p className="mt-6 text-sm text-[#bba38f]">No club payments have been recorded yet.</p>:<ul className="mt-5 divide-y divide-[#f6dc9b]/10">
-            {recent.slice(0,8).map(p=><li key={p.id} className="flex items-center justify-between gap-3 py-3 text-sm">
-              <span className="min-w-0"><Link href={base+"/receipts/"+encodeURIComponent(p.id)} className="font-semibold text-[#f5c18b] hover:underline">{receiptNumber(p.receiptNo)}</Link><span className="mt-1 block truncate text-xs text-[#b7a08d]">{p.memberName} · {p.method}</span></span>
-              <span className={p.reversal?"text-[#aa9585] line-through":"font-semibold text-[#f7d0a1]"}>{formatMinorMoney(p.amountMinor,p.currency)}</span>
-            </li>)}
-          </ul>}
-        </section>
+        <p className="text-xs leading-6 text-[#b89d86]">
+          Financial records are owner/staff-entered attestations only. A canceled term has no
+          actionable dues; voided payments remain in the audit ledger. Statutory tax invoicing and
+          payment gateway verification are not provided.
+        </p>
       </div>
-      <p className="text-xs leading-6 text-[#b89d86]">Financial records are owner/staff-entered attestations only. A canceled term has no actionable dues; voided payments remain in the audit ledger. Statutory tax invoicing and payment gateway verification are not provided.</p>
-    </div>
-  </BusinessShell>;
+    </BusinessShell>
+  );
 }
diff --git a/src/app/clubs/[clubId]/finance/payments/page.tsx b/src/app/clubs/[clubId]/finance/payments/page.tsx
index 2d7ca98..3bd6c0c 100644
--- a/src/app/clubs/[clubId]/finance/payments/page.tsx
+++ b/src/app/clubs/[clubId]/finance/payments/page.tsx
@@ -1,39 +1,105 @@
 import { Suspense } from "react";
 import Link from "next/link";
-import { History,ArrowRight } from "lucide-react";
+import { History, ArrowRight } from "lucide-react";
 import type { Metadata } from "next";
 import { requireSession } from "@/lib/required-session";
 import { requireClubActive } from "@/lib/member-service";
 import { prisma } from "@/lib/prisma";
-import { recentClubPayments,receiptNumber } from "@/lib/finance-service";
+import { recentClubPayments, receiptNumber } from "@/lib/finance-service";
 import { formatMinorMoney } from "@/lib/money-format";
 import { BusinessShell } from "@/components/clubs/business-shell";
 import { ReversePaymentButton } from "@/components/clubs/reverse-payment-button";
 import { idInput } from "@/lib/validations/onboarding";
-export const metadata:Metadata={title:"Payment ledger · ClubKeep",robots:{index:false}};
-type Props={params:Promise<{clubId:string}>;searchParams:Promise<{cursor?:string}>};
-export default function Ledger(props:Props){
-  return <Suspense fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading ledger…</main>}><LedgerContent {...props}/></Suspense>;
+export const metadata: Metadata = { title: "Payment ledger · ClubKeep", robots: { index: false } };
+type Props = { params: Promise<{ clubId: string }>; searchParams: Promise<{ cursor?: string }> };
+export default function Ledger(props: Props) {
+  return (
+    <Suspense
+      fallback={<main className="min-h-screen bg-[#0b0705] p-9 text-white">Loading ledger…</main>}
+    >
+      <LedgerContent {...props} />
+    </Suspense>
+  );
 }
-async function LedgerContent({params,searchParams}:Props){
-  const {clubId}=await params,{cursor}=await searchParams,session=await requireSession();
-  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER"]);
-  const club=await prisma.club.findUniqueOrThrow({where:{id:clubId},select:{name:true}});
-  const safeCursor=cursor&&idInput.safeParse(cursor).success?cursor:undefined;
-  const rows=await recentClubPayments(prisma,clubId,safeCursor),page=rows.slice(0,50);
-  return <BusinessShell clubId={clubId} clubName={club.name} active="finance"
-    eyebrow="Immutable record" title="Every entry has a story."
-    description="Review recorded cash, UPI, card and other offline collections. Corrections create a reversal and never erase the original receipt.">
-    <section className="mt-8 overflow-hidden rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b]">
-      {page.length===0?<div className="p-10 text-center"><History className="mx-auto size-8 text-[#eab878]"/><p className="mt-4 font-semibold">Your payment ledger is empty</p><p className="mt-2 text-sm text-[#bca28b]">Open a member profile to record a first collection.</p></div>:
-      <div className="divide-y divide-[#f6dc9b]/10">{page.map(p=><div key={p.id} className="flex flex-wrap items-center justify-between gap-4 p-5">
-        <div className="min-w-0"><Link href={"/clubs/"+clubId+"/finance/receipts/"+p.id} className="font-semibold text-[#f6c58f] hover:underline">{receiptNumber(p.receiptNo)}</Link>
-          <p className="mt-1 text-sm">{p.memberName} · {p.planName}</p><p className="mt-1 text-xs text-[#b6a08b]">{p.method} · {p.receivedAt.toISOString().slice(0,16).replace("T"," ")} UTC</p></div>
-        <div className="flex items-center gap-3"><span className={p.reversal?"text-[#a38e7b] line-through":"font-semibold text-[#f9ce9a]"}>{formatMinorMoney(p.amountMinor,p.currency)}</span>
-          {p.reversal?<span className="rounded-xl bg-[#44211d] px-3 py-2 text-xs text-[#f9b4a3]">VOID</span>:<ReversePaymentButton clubId={clubId} paymentId={p.id}/>}
-        </div>
-      </div>)}</div>}
-    </section>
-    {rows.length>50&&page.at(-1)&&<Link className="mt-5 inline-flex min-h-11 items-center rounded-xl border border-[#f6dc9b]/20 px-4 text-sm text-[#f6bf86]" href={"/clubs/"+clubId+"/finance/payments?cursor="+encodeURIComponent(page.at(-1)!.id)}>Next page <ArrowRight className="ml-2 size-4"/></Link>}
-  </BusinessShell>;
+async function LedgerContent({ params, searchParams }: Props) {
+  const { clubId } = await params,
+    { cursor } = await searchParams,
+    session = await requireSession();
+  await requireClubActive(prisma, session.user.id, clubId, ["OWNER", "MANAGER"]);
+  const club = await prisma.club.findUniqueOrThrow({
+    where: { id: clubId },
+    select: { name: true },
+  });
+  const safeCursor = cursor && idInput.safeParse(cursor).success ? cursor : undefined;
+  const rows = await recentClubPayments(prisma, clubId, safeCursor),
+    page = rows.slice(0, 50);
+  return (
+    <BusinessShell
+      clubId={clubId}
+      clubName={club.name}
+      active="finance"
+      eyebrow="Immutable record"
+      title="Every entry has a story."
+      description="Review recorded cash, UPI, card and other offline collections. Corrections create a reversal and never erase the original receipt."
+    >
+      <section className="mt-8 overflow-hidden rounded-3xl border border-[#f6dc9b]/15 bg-[#19110b]">
+        {page.length === 0 ? (
+          <div className="p-10 text-center">
+            <History className="mx-auto size-8 text-[#eab878]" />
+            <p className="mt-4 font-semibold">Your payment ledger is empty</p>
+            <p className="mt-2 text-sm text-[#bca28b]">
+              Open a member profile to record a first collection.
+            </p>
+          </div>
+        ) : (
+          <div className="divide-y divide-[#f6dc9b]/10">
+            {page.map((p) => (
+              <div key={p.id} className="flex flex-wrap items-center justify-between gap-4 p-5">
+                <div className="min-w-0">
+                  <Link
+                    href={"/clubs/" + clubId + "/finance/receipts/" + p.id}
+                    className="font-semibold text-[#f6c58f] hover:underline"
+                  >
+                    {receiptNumber(p.receiptNo)}
+                  </Link>
+                  <p className="mt-1 text-sm">
+                    {p.memberName} · {p.planName}
+                  </p>
+                  <p className="mt-1 text-xs text-[#b6a08b]">
+                    {p.method} · {p.receivedAt.toISOString().slice(0, 16).replace("T", " ")} UTC
+                  </p>
+                </div>
+                <div className="flex items-center gap-3">
+                  <span
+                    className={
+                      p.reversal ? "text-[#a38e7b] line-through" : "font-semibold text-[#f9ce9a]"
+                    }
+                  >
+                    {formatMinorMoney(p.amountMinor, p.currency)}
+                  </span>
+                  {p.reversal ? (
+                    <span className="rounded-xl bg-[#44211d] px-3 py-2 text-xs text-[#f9b4a3]">
+                      VOID
+                    </span>
+                  ) : (
+                    <ReversePaymentButton clubId={clubId} paymentId={p.id} />
+                  )}
+                </div>
+              </div>
+            ))}
+          </div>
+        )}
+      </section>
+      {rows.length > 50 && page.at(-1) && (
+        <Link
+          className="mt-5 inline-flex min-h-11 items-center rounded-xl border border-[#f6dc9b]/20 px-4 text-sm text-[#f6bf86]"
+          href={
+            "/clubs/" + clubId + "/finance/payments?cursor=" + encodeURIComponent(page.at(-1)!.id)
+          }
+        >
+          Next page <ArrowRight className="ml-2 size-4" />
+        </Link>
+      )}
+    </BusinessShell>
+  );
 }
diff --git a/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx b/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
index 2429c22..3a92e10 100644
--- a/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
+++ b/src/app/clubs/[clubId]/finance/receipts/[paymentId]/page.tsx
@@ -2,75 +2,203 @@ import { Suspense } from "react";
 import Link from "next/link";
 import { notFound } from "next/navigation";
 import type { Metadata } from "next";
-import { ArrowLeft,ShieldCheck,ReceiptText,AlertTriangle } from "lucide-react";
+import { ArrowLeft, ShieldCheck, ReceiptText, AlertTriangle } from "lucide-react";
 import { prisma } from "@/lib/prisma";
 import { requireSession } from "@/lib/required-session";
 import { requireClubActive } from "@/lib/member-service";
 import { formatMinorMoney } from "@/lib/money-format";
 import { receiptNumber } from "@/lib/finance-service";
 import { PrintClubReceiptButton } from "@/components/clubs/print-club-receipt-button";
-export const metadata:Metadata={title:"Recorded fee receipt · ClubKeep",robots:{index:false}};
-type Props={params:Promise<{clubId:string;paymentId:string}>};
-export default function RecordedReceipt(props:Props){
-  return <Suspense fallback={<main className="min-h-screen bg-[#120b07] p-10 text-[#f9e8d5]">Preparing your receipt…</main>}><ReceiptContent {...props}/></Suspense>;
+export const metadata: Metadata = {
+  title: "Recorded fee receipt · ClubKeep",
+  robots: { index: false },
+};
+type Props = { params: Promise<{ clubId: string; paymentId: string }> };
+export default function RecordedReceipt(props: Props) {
+  return (
+    <Suspense
+      fallback={
+        <main className="min-h-screen bg-[#120b07] p-10 text-[#f9e8d5]">
+          Preparing your receipt…
+        </main>
+      }
+    >
+      <ReceiptContent {...props} />
+    </Suspense>
+  );
 }
-async function ReceiptContent({params}:Props){
-  const {clubId,paymentId}=await params,session=await requireSession();
-  await requireClubActive(prisma,session.user.id,clubId,["OWNER","MANAGER","STAFF"]);
-  const payment=await prisma.clubPayment.findFirst({where:{id:paymentId,clubId},select:{
-    id:true,receiptNo:true,clubName:true,memberName:true,memberNumber:true,planName:true,
-    termPriceMinor:true,termStartsAt:true,termEndsAt:true,currency:true,amountMinor:true,
-    method:true,externalReference:true,note:true,receivedAt:true,createdAt:true,
-    recorder:{select:{name:true}},reversal:{select:{reason:true,createdAt:true,actor:{select:{name:true}}}}
-  }});
-  if(!payment)notFound();
-  const voided=Boolean(payment.reversal);
-  return <main className="min-h-screen bg-[#0b0705] px-4 py-8 text-[#fff0dd] print:m-0 print:min-h-0 print:bg-white print:p-0 print:text-black">
-    <div className="mx-auto max-w-[760px]">
-      <header className="mb-7 flex flex-wrap items-center justify-between gap-3 print:hidden">
-        <Link href={"/clubs/"+clubId+"/finance/payments"} className="inline-flex items-center gap-2 text-sm text-[#f2c48a]"><ArrowLeft className="size-4"/>Payment ledger</Link>
-        <PrintClubReceiptButton/>
-      </header>
-      <article className="overflow-hidden rounded-3xl border border-[#efc181]/30 bg-[#fcf7ef] text-[#2e1a10] shadow-2xl print:rounded-none print:border-0 print:shadow-none">
-        <div className="flex items-start justify-between gap-3 bg-[#2e1b0e] px-6 py-9 text-[#f8e5ca] sm:px-10 print:bg-white print:text-black">
-          <div><p className="text-xs font-semibold tracking-[.22em] text-[#ecc28b] uppercase print:text-black">ClubKeep · Club receipt</p>
-            <h1 className="mt-3 text-3xl font-semibold tracking-tight">{payment.clubName}</h1>
-            <p className="mt-2 max-w-sm text-xs leading-6 text-[#d3b99d] print:text-black">Recorded external membership-fee collection</p>
-          </div>
-          <div className="grid size-14 shrink-0 place-items-center rounded-2xl bg-gradient-to-br from-[#f7d69e] to-[#e87928] text-2xl font-bold text-[#351b08]">CK</div>
-        </div>
-        <div className="p-6 sm:p-10">
-          <div className="flex flex-wrap justify-between gap-4 border-b border-[#d9c3a6] pb-8">
-            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Receipt number</p><p className="mt-2 text-2xl font-semibold tabular-nums">{receiptNumber(payment.receiptNo)}</p>
-              <p className="mt-2 text-xs text-[#7f614b]">Recorded {payment.createdAt.toISOString().slice(0,16).replace("T"," ")} UTC</p></div>
-            <div className="text-left sm:text-right"><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Status</p><p className={"mt-2 text-xl font-semibold "+(voided?"text-[#a83f36]":"text-[#2d744c]")}>{voided?"VOID / Reversed":"RECORDED"}</p>
-              <p className="mt-2 text-xs text-[#7f614b]">{voided?"This entry no longer counts toward dues":"Reported by club staff, not bank verified"}</p></div>
-          </div>
-          <div className="mt-8 grid gap-6 sm:grid-cols-2">
-            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Received from</p><p className="mt-2 text-xl font-semibold">{payment.memberName}</p><p className="mt-2 text-sm text-[#83624d]">Club member #{String(payment.memberNumber).padStart(4,"0")}</p></div>
-            <div><p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">Membership</p><p className="mt-2 text-lg font-semibold">{payment.planName}</p><p className="mt-2 text-xs text-[#83624d]">{payment.termStartsAt.toISOString().slice(0,10)} — {payment.termEndsAt.toISOString().slice(0,10)} (end exclusive)</p></div>
-          </div>
-          <div className="mt-8 rounded-2xl border border-[#ddc7a8] bg-[#fffdf9] p-6">
-            <div className="flex items-center justify-between gap-3 text-sm"><span className="text-[#7d5c46]">Membership term fee</span><span className="font-semibold tabular-nums">{formatMinorMoney(payment.termPriceMinor,payment.currency)}</span></div>
-            <div className="mt-4 flex items-center justify-between gap-3 text-sm"><span className="text-[#7d5c46]">Externally received via</span><span className="font-semibold">{payment.method}</span></div>
-            <div className="mt-5 flex flex-wrap items-center justify-between gap-3 border-t border-[#e5ceb4] pt-5">
-              <span className="font-semibold">This recorded payment</span><strong className={"text-3xl font-semibold tabular-nums "+(voided?"text-[#9b4b40] line-through":"text-[#a24c10]")}>{formatMinorMoney(payment.amountMinor,payment.currency)}</strong>
+async function ReceiptContent({ params }: Props) {
+  const { clubId, paymentId } = await params,
+    session = await requireSession();
+  await requireClubActive(prisma, session.user.id, clubId, ["OWNER", "MANAGER", "STAFF"]);
+  const payment = await prisma.clubPayment.findFirst({
+    where: { id: paymentId, clubId },
+    select: {
+      id: true,
+      receiptNo: true,
+      clubName: true,
+      memberName: true,
+      memberNumber: true,
+      planName: true,
+      termPriceMinor: true,
+      termStartsAt: true,
+      termEndsAt: true,
+      currency: true,
+      amountMinor: true,
+      method: true,
+      externalReference: true,
+      note: true,
+      receivedAt: true,
+      createdAt: true,
+      recorder: { select: { name: true } },
+      reversal: { select: { reason: true, createdAt: true, actor: { select: { name: true } } } },
+    },
+  });
+  if (!payment) notFound();
+  const voided = Boolean(payment.reversal);
+  return (
+    <main className="min-h-screen bg-[#0b0705] px-4 py-8 text-[#fff0dd] print:m-0 print:min-h-0 print:bg-white print:p-0 print:text-black">
+      <div className="mx-auto max-w-[760px]">
+        <header className="mb-7 flex flex-wrap items-center justify-between gap-3 print:hidden">
+          <Link
+            href={"/clubs/" + clubId + "/finance/payments"}
+            className="inline-flex items-center gap-2 text-sm text-[#f2c48a]"
+          >
+            <ArrowLeft className="size-4" />
+            Payment ledger
+          </Link>
+          <PrintClubReceiptButton />
+        </header>
+        <article className="overflow-hidden rounded-3xl border border-[#efc181]/30 bg-[#fcf7ef] text-[#2e1a10] shadow-2xl print:rounded-none print:border-0 print:shadow-none">
+          <div className="flex items-start justify-between gap-3 bg-[#2e1b0e] px-6 py-9 text-[#f8e5ca] sm:px-10 print:bg-white print:text-black">
+            <div>
+              <p className="text-xs font-semibold tracking-[.22em] text-[#ecc28b] uppercase print:text-black">
+                ClubKeep · Club receipt
+              </p>
+              <h1 className="mt-3 text-3xl font-semibold tracking-tight">{payment.clubName}</h1>
+              <p className="mt-2 max-w-sm text-xs leading-6 text-[#d3b99d] print:text-black">
+                Recorded external membership-fee collection
+              </p>
+            </div>
+            <div className="grid size-14 shrink-0 place-items-center rounded-2xl bg-gradient-to-br from-[#f7d69e] to-[#e87928] text-2xl font-bold text-[#351b08]">
+              CK
             </div>
           </div>
-          {payment.externalReference&&<p className="mt-5 text-xs text-[#7c624e]">External reference (staff-entered): {payment.externalReference}</p>}
-          {payment.note&&<p className="mt-2 text-xs text-[#7c624e]">Internal note: {payment.note}</p>}
-          <p className="mt-5 text-xs text-[#7c624e]">Recorded by: {payment.recorder.name} · Received {payment.receivedAt.toISOString().slice(0,16).replace("T"," ")} UTC</p>
-          {payment.reversal&&<div className="mt-6 rounded-xl border border-[#e0a298] bg-[#fff0ed] p-5 text-[#8e352d]">
-            <p className="flex items-center gap-2 font-semibold"><AlertTriangle className="size-5"/>This recorded payment was voided</p>
-            <p className="mt-2 text-sm leading-6">Reason: {payment.reversal.reason}</p>
-            <p className="mt-2 text-xs">Reversed by {payment.reversal.actor.name} · {payment.reversal.createdAt.toISOString().slice(0,16).replace("T"," ")} UTC</p>
-          </div>}
-          <div className="mt-9 flex items-start gap-3 border-t border-[#e2cdb3] pt-6 text-xs leading-6 text-[#795d49]"><ShieldCheck className="mt-1 size-5 shrink-0 text-[#a16e3c]"/>
-            <span>This document confirms only that ClubKeep staff recorded a collection said to have been received outside the app. ClubKeep is not the payment processor. It is not a statutory tax invoice, bank confirmation or evidence of gateway settlement.</span>
+          <div className="p-6 sm:p-10">
+            <div className="flex flex-wrap justify-between gap-4 border-b border-[#d9c3a6] pb-8">
+              <div>
+                <p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">
+                  Receipt number
+                </p>
+                <p className="mt-2 text-2xl font-semibold tabular-nums">
+                  {receiptNumber(payment.receiptNo)}
+                </p>
+                <p className="mt-2 text-xs text-[#7f614b]">
+                  Recorded {payment.createdAt.toISOString().slice(0, 16).replace("T", " ")} UTC
+                </p>
+              </div>
+              <div className="text-left sm:text-right">
+                <p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">
+                  Status
+                </p>
+                <p
+                  className={
+                    "mt-2 text-xl font-semibold " + (voided ? "text-[#a83f36]" : "text-[#2d744c]")
+                  }
+                >
+                  {voided ? "VOID / Reversed" : "RECORDED"}
+                </p>
+                <p className="mt-2 text-xs text-[#7f614b]">
+                  {voided
+                    ? "This entry no longer counts toward dues"
+                    : "Reported by club staff, not bank verified"}
+                </p>
+              </div>
+            </div>
+            <div className="mt-8 grid gap-6 sm:grid-cols-2">
+              <div>
+                <p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">
+                  Received from
+                </p>
+                <p className="mt-2 text-xl font-semibold">{payment.memberName}</p>
+                <p className="mt-2 text-sm text-[#83624d]">
+                  Club member #{String(payment.memberNumber).padStart(4, "0")}
+                </p>
+              </div>
+              <div>
+                <p className="text-xs font-semibold tracking-widest text-[#8b6341] uppercase">
+                  Membership
+                </p>
+                <p className="mt-2 text-lg font-semibold">{payment.planName}</p>
+                <p className="mt-2 text-xs text-[#83624d]">
+                  {payment.termStartsAt.toISOString().slice(0, 10)} —{" "}
+                  {payment.termEndsAt.toISOString().slice(0, 10)} (end exclusive)
+                </p>
+              </div>
+            </div>
+            <div className="mt-8 rounded-2xl border border-[#ddc7a8] bg-[#fffdf9] p-6">
+              <div className="flex items-center justify-between gap-3 text-sm">
+                <span className="text-[#7d5c46]">Membership term fee</span>
+                <span className="font-semibold tabular-nums">
+                  {formatMinorMoney(payment.termPriceMinor, payment.currency)}
+                </span>
+              </div>
+              <div className="mt-4 flex items-center justify-between gap-3 text-sm">
+                <span className="text-[#7d5c46]">Externally received via</span>
+                <span className="font-semibold">{payment.method}</span>
+              </div>
+              <div className="mt-5 flex flex-wrap items-center justify-between gap-3 border-t border-[#e5ceb4] pt-5">
+                <span className="font-semibold">This recorded payment</span>
+                <strong
+                  className={
+                    "text-3xl font-semibold tabular-nums " +
+                    (voided ? "text-[#9b4b40] line-through" : "text-[#a24c10]")
+                  }
+                >
+                  {formatMinorMoney(payment.amountMinor, payment.currency)}
+                </strong>
+              </div>
+            </div>
+            {payment.externalReference && (
+              <p className="mt-5 text-xs text-[#7c624e]">
+                External reference (staff-entered): {payment.externalReference}
+              </p>
+            )}
+            {payment.note && (
+              <p className="mt-2 text-xs text-[#7c624e]">Internal note: {payment.note}</p>
+            )}
+            <p className="mt-5 text-xs text-[#7c624e]">
+              Recorded by: {payment.recorder.name} · Received{" "}
+              {payment.receivedAt.toISOString().slice(0, 16).replace("T", " ")} UTC
+            </p>
+            {payment.reversal && (
+              <div className="mt-6 rounded-xl border border-[#e0a298] bg-[#fff0ed] p-5 text-[#8e352d]">
+                <p className="flex items-center gap-2 font-semibold">
+                  <AlertTriangle className="size-5" />
+                  This recorded payment was voided
+                </p>
+                <p className="mt-2 text-sm leading-6">Reason: {payment.reversal.reason}</p>
+                <p className="mt-2 text-xs">
+                  Reversed by {payment.reversal.actor.name} ·{" "}
+                  {payment.reversal.createdAt.toISOString().slice(0, 16).replace("T", " ")} UTC
+                </p>
+              </div>
+            )}
+            <div className="mt-9 flex items-start gap-3 border-t border-[#e2cdb3] pt-6 text-xs leading-6 text-[#795d49]">
+              <ShieldCheck className="mt-1 size-5 shrink-0 text-[#a16e3c]" />
+              <span>
+                This document confirms only that ClubKeep staff recorded a collection said to have
+                been received outside the app. ClubKeep is not the payment processor. It is not a
+                statutory tax invoice, bank confirmation or evidence of gateway settlement.
+              </span>
+            </div>
           </div>
-        </div>
-      </article>
-      <p className="mt-6 text-center text-xs text-[#ac9580] print:hidden"><ReceiptText className="mr-2 inline size-4"/>Financial receipts are accessible only to authorized club personnel.</p>
-    </div>
-  </main>;
+        </article>
+        <p className="mt-6 text-center text-xs text-[#ac9580] print:hidden">
+          <ReceiptText className="mr-2 inline size-4" />
+          Financial receipts are accessible only to authorized club personnel.
+        </p>
+      </div>
+    </main>
+  );
 }
diff --git a/src/app/clubs/[clubId]/members/[memberId]/page.tsx b/src/app/clubs/[clubId]/members/[memberId]/page.tsx
index e7cc21c..ead0b46 100644
--- a/src/app/clubs/[clubId]/members/[memberId]/page.tsx
+++ b/src/app/clubs/[clubId]/members/[memberId]/page.tsx
@@ -73,7 +73,7 @@ async function MemberContent({ params }: Props) {
     }),
   ]);
   if (!member) notFound();
-  const financialTerms=await memberClubFinance(prisma,clubId,member.id);
+  const financialTerms = await memberClubFinance(prisma, clubId, member.id);
   const recentVisits = await prisma.clubAttendance.findMany({
     where: { clubId, memberRecordId: member.id },
     select: { id: true, localDate: true, method: true },
@@ -189,16 +189,68 @@ async function MemberContent({ params }: Props) {
           name: candidate.user.name,
         }))}
       />
-      <RecordClubPaymentForm clubId={clubId} memberId={member.id} terms={financialTerms.filter(t=>!t.cancelledAt&&t.dueMinor>0).map(t=>({id:t.id,planName:t.planName,currency:t.currency,dueMinor:t.dueMinor}))}/>
+      <RecordClubPaymentForm
+        clubId={clubId}
+        memberId={member.id}
+        terms={financialTerms
+          .filter((t) => !t.cancelledAt && t.dueMinor > 0)
+          .map((t) => ({
+            id: t.id,
+            planName: t.planName,
+            currency: t.currency,
+            dueMinor: t.dueMinor,
+          }))}
+      />
       <section className="mt-7 rounded-3xl border border-[#f6dc9b]/15 bg-[#19110d] p-6">
-        <h2 className="flex items-center gap-2 text-lg font-semibold"><ReceiptText className="size-5 text-[#efb96e]"/> Membership dues & receipts</h2>
-        {financialTerms.length===0?<p className="mt-4 text-sm text-[#bda48d]">No membership term or fee history yet.</p>:
-          <div className="mt-5 space-y-3">{financialTerms.slice(0,10).map(term=><div key={term.id} className="rounded-2xl border border-[#f6dc9b]/10 bg-[#261910] p-4">
-            <div className="flex flex-wrap items-center justify-between gap-3"><div><p className="font-semibold">{term.planName}</p><p className="mt-1 text-xs text-[#ae9780]">{term.cancelledAt?"Canceled term":"Membership term"} · {term.currency}</p></div>
-              <div className="text-right"><p className="font-semibold text-[#f3bd7b]">{formatMinorMoney(term.dueMinor,term.currency)} due</p><p className="mt-1 text-xs text-[#baa28a]">{formatMinorMoney(term.paidMinor,term.currency)} recorded paid</p></div></div>
-            {term.payments.slice(0,4).map(p=><div key={p.id} className="mt-3 flex flex-wrap items-center justify-between gap-2 border-t border-[#f6dc9b]/10 pt-3 text-xs"><span className={p.reversal?"text-[#aa917d] line-through":"text-[#d3b99f]"}>{formatMinorMoney(p.amountMinor,term.currency)} · {p.method} {p.reversal?"· VOID":""}</span>
-              <Link className="text-[#f2bd7a] underline underline-offset-4" href={"/clubs/"+clubId+"/finance/receipts/"+p.id}>Receipt #{p.receiptNo}</Link></div>)}
-          </div>)}</div>}
+        <h2 className="flex items-center gap-2 text-lg font-semibold">
+          <ReceiptText className="size-5 text-[#efb96e]" /> Membership dues & receipts
+        </h2>
+        {financialTerms.length === 0 ? (
+          <p className="mt-4 text-sm text-[#bda48d]">No membership term or fee history yet.</p>
+        ) : (
+          <div className="mt-5 space-y-3">
+            {financialTerms.slice(0, 10).map((term) => (
+              <div
+                key={term.id}
+                className="rounded-2xl border border-[#f6dc9b]/10 bg-[#261910] p-4"
+              >
+                <div className="flex flex-wrap items-center justify-between gap-3">
+                  <div>
+                    <p className="font-semibold">{term.planName}</p>
+                    <p className="mt-1 text-xs text-[#ae9780]">
+                      {term.cancelledAt ? "Canceled term" : "Membership term"} · {term.currency}
+                    </p>
+                  </div>
+                  <div className="text-right">
+                    <p className="font-semibold text-[#f3bd7b]">
+                      {formatMinorMoney(term.dueMinor, term.currency)} due
+                    </p>
+                    <p className="mt-1 text-xs text-[#baa28a]">
+                      {formatMinorMoney(term.paidMinor, term.currency)} recorded paid
+                    </p>
+                  </div>
+                </div>
+                {term.payments.slice(0, 4).map((p) => (
+                  <div
+                    key={p.id}
+                    className="mt-3 flex flex-wrap items-center justify-between gap-2 border-t border-[#f6dc9b]/10 pt-3 text-xs"
+                  >
+                    <span className={p.reversal ? "text-[#aa917d] line-through" : "text-[#d3b99f]"}>
+                      {formatMinorMoney(p.amountMinor, term.currency)} · {p.method}{" "}
+                      {p.reversal ? "· VOID" : ""}
+                    </span>
+                    <Link
+                      className="text-[#f2bd7a] underline underline-offset-4"
+                      href={"/clubs/" + clubId + "/finance/receipts/" + p.id}
+                    >
+                      Receipt #{p.receiptNo}
+                    </Link>
+                  </div>
+                ))}
+              </div>
+            ))}
+          </div>
+        )}
       </section>
       <section className="mt-7 rounded-3xl border border-[#f6dc9b]/15 bg-[#1d140e] p-6">
         <div className="flex flex-wrap items-center justify-between gap-3">
diff --git a/src/components/clubs/business-shell.tsx b/src/components/clubs/business-shell.tsx
index 587e17e..6ac4afb 100644
--- a/src/components/clubs/business-shell.tsx
+++ b/src/components/clubs/business-shell.tsx
@@ -45,7 +45,9 @@ export async function BusinessShell({
     { key: "members", label: "Members", href: "/members", icon: UsersRound },
     { key: "plans", label: "Membership Plans", href: "/plans", icon: Layers3 },
     { key: "renewals", label: "Renewals", href: "/renewals", icon: CalendarClock },
-    ...(context.role==="OWNER"||context.role==="MANAGER" ? [{key:"finance",label:"Finance & dues",href:"/finance",icon:WalletCards}] : []),
+    ...(context.role === "OWNER" || context.role === "MANAGER"
+      ? [{ key: "finance", label: "Finance & dues", href: "/finance", icon: WalletCards }]
+      : []),
     ...(isOwner
       ? [
           {
@@ -155,7 +157,11 @@ export async function BusinessShell({
         className="fixed inset-x-3 bottom-3 z-40 flex items-stretch justify-around rounded-2xl border border-[#d9ac73]/25 bg-[#18110b]/95 px-1 py-2 shadow-2xl backdrop-blur-xl lg:hidden"
       >
         {nav
-          .filter((x) => ["overview", "attendance", "members", "finance"].includes(x.key)|| (context.role==="STAFF"&&x.key==="renewals"))
+          .filter(
+            (x) =>
+              ["overview", "attendance", "members", "finance"].includes(x.key) ||
+              (context.role === "STAFF" && x.key === "renewals")
+          )
           .map(({ key, label, href, icon: Icon }) => (
             <Link
               key={key}
diff --git a/src/components/clubs/print-club-receipt-button.tsx b/src/components/clubs/print-club-receipt-button.tsx
index f2eda65..9a13650 100644
--- a/src/components/clubs/print-club-receipt-button.tsx
+++ b/src/components/clubs/print-club-receipt-button.tsx
@@ -1,8 +1,14 @@
 "use client";
 import { Printer } from "lucide-react";
-export function PrintClubReceiptButton(){
-  return <button type="button" onClick={()=>window.print()}
-    className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#e9bc78] to-[#f26b00] px-5 text-sm font-bold text-[#291807]">
-    <Printer className="size-4"/>Print receipt
-  </button>;
+export function PrintClubReceiptButton() {
+  return (
+    <button
+      type="button"
+      onClick={() => window.print()}
+      className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#e9bc78] to-[#f26b00] px-5 text-sm font-bold text-[#291807]"
+    >
+      <Printer className="size-4" />
+      Print receipt
+    </button>
+  );
 }
diff --git a/src/components/clubs/record-club-payment-form.tsx b/src/components/clubs/record-club-payment-form.tsx
index 39db4d2..549592d 100644
--- a/src/components/clubs/record-club-payment-form.tsx
+++ b/src/components/clubs/record-club-payment-form.tsx
@@ -1,57 +1,210 @@
 "use client";
-import { useRef,useState,type FormEvent } from "react";
+import { useRef, useState, type FormEvent } from "react";
 import Link from "next/link";
 import { useRouter } from "next/navigation";
-import { Wallet,ShieldCheck,ReceiptText } from "lucide-react";
-import { parseMinorMoney,formatMinorMoney } from "@/lib/money-format";
-type Term={id:string;planName:string;currency:string;dueMinor:number};
-export function RecordClubPaymentForm({clubId,memberId,terms}:{clubId:string;memberId:string;terms:Term[]}){
-  const router=useRouter(),idempotency=useRef<string|null>(null);
-  const payable=terms.filter(t=>t.dueMinor>0);
-  const [selected,setSelected]=useState(payable[0]?.id??"");
-  const [amount,setAmount]=useState("");
-  const [method,setMethod]=useState("CASH");
-  const [reference,setReference]=useState(""),[note,setNote]=useState("");
-  const [busy,setBusy]=useState(false),[error,setError]=useState("");
-  const [receipt,setReceipt]=useState("");
-  const term=payable.find(t=>t.id===selected);
-  const field="min-h-11 w-full rounded-xl border border-[#f6dc9b]/20 bg-[#110b08] px-4 text-[#fff0dd] outline-offset-2 focus-visible:outline-2 focus-visible:outline-orange-400";
-  async function submit(e:FormEvent){
-    e.preventDefault();if(busy||!term)return;setBusy(true);setError("");setReceipt("");
-    try{
-      let minor:number|null;
-      try{minor=parseMinorMoney(amount.trim(),term.currency);}catch{minor=null;}
-      if(minor===null||minor<=0||minor>term.dueMinor)throw new Error("Enter a valid amount no greater than outstanding dues");
-      if(!idempotency.current)idempotency.current=crypto.randomUUID();
-      const result=await fetch("/api/clubs/"+encodeURIComponent(clubId)+"/finance/payments",{
-        method:"POST",credentials:"same-origin",cache:"no-store",
-        headers:{"Content-Type":"application/json"},
-        body:JSON.stringify({memberId,subscriptionId:term.id,operationKey:idempotency.current,
-          amountMinor:minor,method,externalReference:reference.trim(),note:note.trim()})
+import { Wallet, ShieldCheck, ReceiptText } from "lucide-react";
+import { parseMinorMoney, formatMinorMoney } from "@/lib/money-format";
+type Term = { id: string; planName: string; currency: string; dueMinor: number };
+export function RecordClubPaymentForm({
+  clubId,
+  memberId,
+  terms,
+}: {
+  clubId: string;
+  memberId: string;
+  terms: Term[];
+}) {
+  const router = useRouter(),
+    idempotency = useRef<string | null>(null);
+  const payable = terms.filter((t) => t.dueMinor > 0);
+  const [selected, setSelected] = useState(payable[0]?.id ?? "");
+  const [amount, setAmount] = useState("");
+  const [method, setMethod] = useState("CASH");
+  const [reference, setReference] = useState(""),
+    [note, setNote] = useState("");
+  const [busy, setBusy] = useState(false),
+    [error, setError] = useState("");
+  const [receipt, setReceipt] = useState("");
+  const term = payable.find((t) => t.id === selected);
+  const field =
+    "min-h-11 w-full rounded-xl border border-[#f6dc9b]/20 bg-[#110b08] px-4 text-[#fff0dd] outline-offset-2 focus-visible:outline-2 focus-visible:outline-orange-400";
+  async function submit(e: FormEvent) {
+    e.preventDefault();
+    if (busy || !term) return;
+    setBusy(true);
+    setError("");
+    setReceipt("");
+    try {
+      let minor: number | null;
+      try {
+        minor = parseMinorMoney(amount.trim(), term.currency);
+      } catch {
+        minor = null;
+      }
+      if (minor === null || minor <= 0 || minor > term.dueMinor)
+        throw new Error("Enter a valid amount no greater than outstanding dues");
+      if (!idempotency.current) idempotency.current = crypto.randomUUID();
+      const result = await fetch("/api/clubs/" + encodeURIComponent(clubId) + "/finance/payments", {
+        method: "POST",
+        credentials: "same-origin",
+        cache: "no-store",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({
+          memberId,
+          subscriptionId: term.id,
+          operationKey: idempotency.current,
+          amountMinor: minor,
+          method,
+          externalReference: reference.trim(),
+          note: note.trim(),
+        }),
       });
-      const data=await result.json();if(!result.ok)throw new Error(data.error||"Unable to record payment");
-      idempotency.current=null;setReceipt(data.receiptUrl);setAmount("");setReference("");setNote("");
+      const data = await result.json();
+      if (!result.ok) throw new Error(data.error || "Unable to record payment");
+      idempotency.current = null;
+      setReceipt(data.receiptUrl);
+      setAmount("");
+      setReference("");
+      setNote("");
       router.refresh();
-    }catch(err){setError(err instanceof Error?err.message:"Recording failed");}finally{setBusy(false);}
+    } catch (err) {
+      setError(err instanceof Error ? err.message : "Recording failed");
+    } finally {
+      setBusy(false);
+    }
   }
-  return <section className="mt-7 rounded-3xl border border-[#f6dc9b]/20 bg-gradient-to-br from-[#2b1b10] to-[#17100b] p-5 sm:p-7">
-    <div className="flex flex-wrap items-start justify-between gap-3"><div><p className="text-xs font-semibold tracking-[.2em] text-[#edbd7e] uppercase">Club fee ledger</p><h2 className="mt-2 text-2xl font-semibold">Record a received payment</h2></div><span className="rounded-xl bg-[#402514] p-3"><Wallet className="size-6 text-[#f1bf7d]"/></span></div>
-    <p className="mt-3 max-w-2xl text-sm leading-7 text-[#bea58f]">Only use this after cash, UPI, card or another payment has actually been received outside ClubKeep. This action does not charge a member.</p>
-    {payable.length===0?<p className="mt-5 rounded-2xl border border-[#f6dc9b]/15 p-5 text-sm text-[#d2b49c]">No outstanding balance on the available active membership terms. Canceled and fully paid terms cannot receive new collections.</p>:
-      <form onSubmit={submit} className="mt-6 grid gap-4 sm:grid-cols-2">
-        <label className="block text-sm">Membership term<select required className={"mt-2 "+field} value={selected} onChange={e=>{setSelected(e.target.value);setAmount("");idempotency.current=null;}}>
-          {payable.map(t=><option key={t.id} value={t.id}>{t.planName} · {formatMinorMoney(t.dueMinor,t.currency)} due</option>)}
-        </select></label>
-        <label className="block text-sm">Amount received ({term?.currency})<input required className={"mt-2 "+field} type="number" min="0" step="any" value={amount} onChange={e=>{setAmount(e.target.value);idempotency.current=null;}} placeholder="0.00"/></label>
-        <label className="block text-sm">Received via<select className={"mt-2 "+field} value={method} onChange={e=>{setMethod(e.target.value);idempotency.current=null;}}><option value="CASH">Cash</option><option value="UPI">UPI</option><option value="CARD">Card (external terminal)</option><option value="OTHER">Other (external)</option></select></label>
-        <label className="block text-sm">External reference (optional)<input className={"mt-2 "+field} maxLength={120} value={reference} onChange={e=>{setReference(e.target.value);idempotency.current=null;}} placeholder="Bank/terminal reference"/></label>
-        <label className="block text-sm sm:col-span-2">Internal note (optional)<input className={"mt-2 "+field} maxLength={240} value={note} onChange={e=>{setNote(e.target.value);idempotency.current=null;}} placeholder="Only non-sensitive notes"/></label>
-        <div className="flex flex-wrap items-center gap-4 sm:col-span-2">
-          <button disabled={busy} className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#edbf73] to-[#f26b00] px-6 font-semibold text-[#2a190b] disabled:opacity-50"><ReceiptText className="size-4"/>{busy?"Recording…":"Confirm received payment"}</button>
-          <span className="inline-flex items-center gap-2 text-xs text-[#baa28f]"><ShieldCheck className="size-4 text-[#e7b473]"/>Permanent, auditable entry</span>
+  return (
+    <section className="mt-7 rounded-3xl border border-[#f6dc9b]/20 bg-gradient-to-br from-[#2b1b10] to-[#17100b] p-5 sm:p-7">
+      <div className="flex flex-wrap items-start justify-between gap-3">
+        <div>
+          <p className="text-xs font-semibold tracking-[.2em] text-[#edbd7e] uppercase">
+            Club fee ledger
+          </p>
+          <h2 className="mt-2 text-2xl font-semibold">Record a received payment</h2>
         </div>
-      </form>}
-    {error&&<p role="alert" className="mt-5 rounded-xl bg-red-950/40 px-4 py-3 text-sm text-red-200">{error}</p>}
-    {receipt&&<p role="status" className="mt-5 rounded-xl border border-emerald-600/20 bg-emerald-950/30 p-4 text-sm text-emerald-100">Collection recorded. <Link className="font-semibold underline underline-offset-4" href={receipt}>View and print receipt</Link></p>}
-  </section>;
+        <span className="rounded-xl bg-[#402514] p-3">
+          <Wallet className="size-6 text-[#f1bf7d]" />
+        </span>
+      </div>
+      <p className="mt-3 max-w-2xl text-sm leading-7 text-[#bea58f]">
+        Only use this after cash, UPI, card or another payment has actually been received outside
+        ClubKeep. This action does not charge a member.
+      </p>
+      {payable.length === 0 ? (
+        <p className="mt-5 rounded-2xl border border-[#f6dc9b]/15 p-5 text-sm text-[#d2b49c]">
+          No outstanding balance on the available active membership terms. Canceled and fully paid
+          terms cannot receive new collections.
+        </p>
+      ) : (
+        <form onSubmit={submit} className="mt-6 grid gap-4 sm:grid-cols-2">
+          <label className="block text-sm">
+            Membership term
+            <select
+              required
+              className={"mt-2 " + field}
+              value={selected}
+              onChange={(e) => {
+                setSelected(e.target.value);
+                setAmount("");
+                idempotency.current = null;
+              }}
+            >
+              {payable.map((t) => (
+                <option key={t.id} value={t.id}>
+                  {t.planName} · {formatMinorMoney(t.dueMinor, t.currency)} due
+                </option>
+              ))}
+            </select>
+          </label>
+          <label className="block text-sm">
+            Amount received ({term?.currency})
+            <input
+              required
+              className={"mt-2 " + field}
+              type="number"
+              min="0"
+              step="any"
+              value={amount}
+              onChange={(e) => {
+                setAmount(e.target.value);
+                idempotency.current = null;
+              }}
+              placeholder="0.00"
+            />
+          </label>
+          <label className="block text-sm">
+            Received via
+            <select
+              className={"mt-2 " + field}
+              value={method}
+              onChange={(e) => {
+                setMethod(e.target.value);
+                idempotency.current = null;
+              }}
+            >
+              <option value="CASH">Cash</option>
+              <option value="UPI">UPI</option>
+              <option value="CARD">Card (external terminal)</option>
+              <option value="OTHER">Other (external)</option>
+            </select>
+          </label>
+          <label className="block text-sm">
+            External reference (optional)
+            <input
+              className={"mt-2 " + field}
+              maxLength={120}
+              value={reference}
+              onChange={(e) => {
+                setReference(e.target.value);
+                idempotency.current = null;
+              }}
+              placeholder="Bank/terminal reference"
+            />
+          </label>
+          <label className="block text-sm sm:col-span-2">
+            Internal note (optional)
+            <input
+              className={"mt-2 " + field}
+              maxLength={240}
+              value={note}
+              onChange={(e) => {
+                setNote(e.target.value);
+                idempotency.current = null;
+              }}
+              placeholder="Only non-sensitive notes"
+            />
+          </label>
+          <div className="flex flex-wrap items-center gap-4 sm:col-span-2">
+            <button
+              disabled={busy}
+              className="inline-flex min-h-12 items-center gap-2 rounded-xl bg-gradient-to-r from-[#edbf73] to-[#f26b00] px-6 font-semibold text-[#2a190b] disabled:opacity-50"
+            >
+              <ReceiptText className="size-4" />
+              {busy ? "Recording…" : "Confirm received payment"}
+            </button>
+            <span className="inline-flex items-center gap-2 text-xs text-[#baa28f]">
+              <ShieldCheck className="size-4 text-[#e7b473]" />
+              Permanent, auditable entry
+            </span>
+          </div>
+        </form>
+      )}
+      {error && (
+        <p role="alert" className="mt-5 rounded-xl bg-red-950/40 px-4 py-3 text-sm text-red-200">
+          {error}
+        </p>
+      )}
+      {receipt && (
+        <p
+          role="status"
+          className="mt-5 rounded-xl border border-emerald-600/20 bg-emerald-950/30 p-4 text-sm text-emerald-100"
+        >
+          Collection recorded.{" "}
+          <Link className="font-semibold underline underline-offset-4" href={receipt}>
+            View and print receipt
+          </Link>
+        </p>
+      )}
+    </section>
+  );
 }
diff --git a/src/components/clubs/reverse-payment-button.tsx b/src/components/clubs/reverse-payment-button.tsx
index 3c845f6..3684a4f 100644
--- a/src/components/clubs/reverse-payment-button.tsx
+++ b/src/components/clubs/reverse-payment-button.tsx
@@ -2,25 +2,67 @@
 import { useState } from "react";
 import { useRouter } from "next/navigation";
 import { RotateCcw } from "lucide-react";
-export function ReversePaymentButton({clubId,paymentId}:{clubId:string;paymentId:string}){
-  const router=useRouter();const [busy,setBusy]=useState(false),[error,setError]=useState("");
-  async function reverse(){
-    if(busy)return;
-    const reason=window.prompt("Void this mistaken ClubKeep record? This does not issue a bank refund. Enter a reason (8–240 characters):");
-    if(reason===null)return;
-    if(reason.trim().length<8||reason.trim().length>240){setError("Reason must contain 8–240 characters");return;}
-    if(!window.confirm("Permanently mark this receipt VOID and restore the recorded outstanding balance?"))return;
-    setBusy(true);setError("");
-    try{
-      const response=await fetch("/api/clubs/"+encodeURIComponent(clubId)+"/finance/payments/"+encodeURIComponent(paymentId)+"/reverse",{
-        method:"POST",credentials:"same-origin",headers:{"Content-Type":"application/json"},body:JSON.stringify({reason:reason.trim()})
-      });
-      const data=await response.json();if(!response.ok)throw new Error(data.error||"Unable to void entry");
+export function ReversePaymentButton({ clubId, paymentId }: { clubId: string; paymentId: string }) {
+  const router = useRouter();
+  const [busy, setBusy] = useState(false),
+    [error, setError] = useState("");
+  async function reverse() {
+    if (busy) return;
+    const reason = window.prompt(
+      "Void this mistaken ClubKeep record? This does not issue a bank refund. Enter a reason (8–240 characters):"
+    );
+    if (reason === null) return;
+    if (reason.trim().length < 8 || reason.trim().length > 240) {
+      setError("Reason must contain 8–240 characters");
+      return;
+    }
+    if (
+      !window.confirm(
+        "Permanently mark this receipt VOID and restore the recorded outstanding balance?"
+      )
+    )
+      return;
+    setBusy(true);
+    setError("");
+    try {
+      const response = await fetch(
+        "/api/clubs/" +
+          encodeURIComponent(clubId) +
+          "/finance/payments/" +
+          encodeURIComponent(paymentId) +
+          "/reverse",
+        {
+          method: "POST",
+          credentials: "same-origin",
+          headers: { "Content-Type": "application/json" },
+          body: JSON.stringify({ reason: reason.trim() }),
+        }
+      );
+      const data = await response.json();
+      if (!response.ok) throw new Error(data.error || "Unable to void entry");
       router.refresh();
-    }catch(e){setError(e instanceof Error?e.message:"Unable to void entry");}finally{setBusy(false);}
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Unable to void entry");
+    } finally {
+      setBusy(false);
+    }
   }
-  return <div className="flex flex-col items-end gap-1"><button type="button" disabled={busy} onClick={reverse}
-    className="inline-flex min-h-10 items-center gap-2 rounded-xl border border-[#f2c089]/25 px-3 text-xs text-[#f4c591] disabled:opacity-50"><RotateCcw className="size-3.5"/>{busy?"Saving…":"Void entry"}</button>
-    {error&&<span role="alert" className="max-w-52 text-right text-xs text-red-200">{error}</span>}
-  </div>;
+  return (
+    <div className="flex flex-col items-end gap-1">
+      <button
+        type="button"
+        disabled={busy}
+        onClick={reverse}
+        className="inline-flex min-h-10 items-center gap-2 rounded-xl border border-[#f2c089]/25 px-3 text-xs text-[#f4c591] disabled:opacity-50"
+      >
+        <RotateCcw className="size-3.5" />
+        {busy ? "Saving…" : "Void entry"}
+      </button>
+      {error && (
+        <span role="alert" className="max-w-52 text-right text-xs text-red-200">
+          {error}
+        </span>
+      )}
+    </div>
+  );
 }
diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
index 1d7b082..ff1e9b5 100644
--- a/src/lib/finance-service.ts
+++ b/src/lib/finance-service.ts
@@ -3,79 +3,163 @@ import { requireClubActive } from "@/lib/member-service";
 import { OnboardingError } from "@/lib/club-onboarding";
 import type { RecordClubPaymentInput } from "@/lib/validations/finance";
 
-function asSafeNumber(value:bigint|number|null):number{
-  const number=Number(value??0);
-  if(!Number.isSafeInteger(number))throw new Error("Finance amount is outside safe integer range");
+function asSafeNumber(value: bigint | number | null): number {
+  const number = Number(value ?? 0);
+  if (!Number.isSafeInteger(number))
+    throw new Error("Finance amount is outside safe integer range");
   return number;
 }
-export function financeBalance(priceMinor:number,paidMinor:number){return Math.max(0,priceMinor-paidMinor);}
-export function receiptNumber(sequence:number){return "CK-"+String(sequence).padStart(7,"0");}
+export function financeBalance(priceMinor: number, paidMinor: number) {
+  return Math.max(0, priceMinor - paidMinor);
+}
+export function receiptNumber(sequence: number) {
+  return "CK-" + String(sequence).padStart(7, "0");
+}
 
-export async function recordClubPayment(db:PrismaClient,actorId:string,clubId:string,input:RecordClubPaymentInput){
-  return db.$transaction(async tx=>{
-    await requireClubActive(tx,actorId,clubId,["OWNER","MANAGER","STAFF"]);
+export async function recordClubPayment(
+  db: PrismaClient,
+  actorId: string,
+  clubId: string,
+  input: RecordClubPaymentInput
+) {
+  return db.$transaction(async (tx) => {
+    await requireClubActive(tx, actorId, clubId, ["OWNER", "MANAGER", "STAFF"]);
     // Acquire the club lock BEFORE the idempotency and balance checks; serialize all concurrent financial mutations.
-    const club=await tx.club.update({where:{id:clubId},data:{updatedAt:new Date()},select:{name:true}});
-    const repeat=await tx.clubPayment.findUnique({where:{operationKey:input.operationKey}});
-    if(repeat){
-      if(repeat.clubId!==clubId||repeat.memberRecordId!==input.memberId||repeat.subscriptionId!==input.subscriptionId||
-        repeat.recordedByUserId!==actorId||repeat.amountMinor!==input.amountMinor||repeat.method!==input.method||
-        (repeat.externalReference??"")!==input.externalReference||(repeat.note??"")!==input.note)
-        throw new OnboardingError(409,"Idempotency key is already used for a different payment");
-      return {id:repeat.id,receiptNo:repeat.receiptNo,repeated:true};
+    const club = await tx.club.update({
+      where: { id: clubId },
+      data: { updatedAt: new Date() },
+      select: { name: true },
+    });
+    const repeat = await tx.clubPayment.findUnique({ where: { operationKey: input.operationKey } });
+    if (repeat) {
+      if (
+        repeat.clubId !== clubId ||
+        repeat.memberRecordId !== input.memberId ||
+        repeat.subscriptionId !== input.subscriptionId ||
+        repeat.recordedByUserId !== actorId ||
+        repeat.amountMinor !== input.amountMinor ||
+        repeat.method !== input.method ||
+        (repeat.externalReference ?? "") !== input.externalReference ||
+        (repeat.note ?? "") !== input.note
+      )
+        throw new OnboardingError(409, "Idempotency key is already used for a different payment");
+      return { id: repeat.id, receiptNo: repeat.receiptNo, repeated: true };
     }
-    const term=await tx.memberSubscription.findFirst({where:{
-      id:input.subscriptionId,clubId,memberRecordId:input.memberId,cancelledAt:null
-    },select:{id:true,priceMinor:true,currency:true,planName:true,startAt:true,endAt:true,
-      memberRecord:{select:{status:true,memberNumber:true,displayName:true}}
-    }});
-    if(!term||term.memberRecord.status!=="ACTIVE")
-      throw new OnboardingError(404,"Active membership term not found");
-    const sums=await tx.clubPayment.aggregate({
-      where:{clubId,subscriptionId:term.id,reversal:{is:null}},_sum:{amountMinor:true}
+    const term = await tx.memberSubscription.findFirst({
+      where: {
+        id: input.subscriptionId,
+        clubId,
+        memberRecordId: input.memberId,
+        cancelledAt: null,
+      },
+      select: {
+        id: true,
+        priceMinor: true,
+        currency: true,
+        planName: true,
+        startAt: true,
+        endAt: true,
+        memberRecord: { select: { status: true, memberNumber: true, displayName: true } },
+      },
+    });
+    if (!term || term.memberRecord.status !== "ACTIVE")
+      throw new OnboardingError(404, "Active membership term not found");
+    const sums = await tx.clubPayment.aggregate({
+      where: { clubId, subscriptionId: term.id, reversal: { is: null } },
+      _sum: { amountMinor: true },
+    });
+    if (input.amountMinor > financeBalance(term.priceMinor, sums._sum.amountMinor ?? 0))
+      throw new OnboardingError(409, "Payment exceeds remaining membership dues");
+    const receipt = await tx.club.update({
+      where: { id: clubId },
+      data: { receiptSequence: { increment: 1 } },
+      select: { receiptSequence: true },
+    });
+    const record = await tx.clubPayment.create({
+      data: {
+        clubId,
+        memberRecordId: input.memberId,
+        subscriptionId: term.id,
+        receiptNo: receipt.receiptSequence,
+        operationKey: input.operationKey,
+        amountMinor: input.amountMinor,
+        currency: term.currency,
+        method: input.method,
+        externalReference: input.externalReference || null,
+        note: input.note || null,
+        recordedByUserId: actorId,
+        clubName: club.name,
+        memberName: term.memberRecord.displayName,
+        memberNumber: term.memberRecord.memberNumber,
+        planName: term.planName,
+        termPriceMinor: term.priceMinor,
+        termStartsAt: term.startAt,
+        termEndsAt: term.endAt,
+      },
+      select: { id: true, receiptNo: true },
     });
-    if(input.amountMinor>financeBalance(term.priceMinor,sums._sum.amountMinor??0))
-      throw new OnboardingError(409,"Payment exceeds remaining membership dues");
-    const receipt=await tx.club.update({where:{id:clubId},data:{receiptSequence:{increment:1}},
-      select:{receiptSequence:true}});
-    const record=await tx.clubPayment.create({data:{
-      clubId,memberRecordId:input.memberId,subscriptionId:term.id,receiptNo:receipt.receiptSequence,
-      operationKey:input.operationKey,amountMinor:input.amountMinor,currency:term.currency,
-      method:input.method,externalReference:input.externalReference||null,note:input.note||null,
-      recordedByUserId:actorId,clubName:club.name,memberName:term.memberRecord.displayName,
-      memberNumber:term.memberRecord.memberNumber,planName:term.planName,
-      termPriceMinor:term.priceMinor,termStartsAt:term.startAt,termEndsAt:term.endAt
-    },select:{id:true,receiptNo:true}});
-    await tx.securityEvent.create({data:{clubId,actorUserId:actorId,
-      eventType:"PAYMENT_RECORDED",referenceId:record.id}});
-    return {...record,repeated:false};
+    await tx.securityEvent.create({
+      data: { clubId, actorUserId: actorId, eventType: "PAYMENT_RECORDED", referenceId: record.id },
+    });
+    return { ...record, repeated: false };
   });
 }
 
-export async function reverseClubPayment(db:PrismaClient,actorId:string,clubId:string,paymentId:string,reason:string){
-  return db.$transaction(async tx=>{
-    await requireClubActive(tx,actorId,clubId,["OWNER","MANAGER"]);
-    await tx.club.update({where:{id:clubId},data:{updatedAt:new Date()}});
-    const payment=await tx.clubPayment.findFirst({where:{clubId,id:paymentId},select:{
-      id:true,reversal:{select:{id:true,reason:true,reversedByUserId:true}}
-    }});
-    if(!payment)throw new OnboardingError(404,"Payment not found");
-    if(payment.reversal){
-      if(payment.reversal.reason===reason&&payment.reversal.reversedByUserId===actorId)
-        return {id:payment.reversal.id,repeated:true};
-      throw new OnboardingError(409,"Payment has already been reversed");
+export async function reverseClubPayment(
+  db: PrismaClient,
+  actorId: string,
+  clubId: string,
+  paymentId: string,
+  reason: string
+) {
+  return db.$transaction(async (tx) => {
+    await requireClubActive(tx, actorId, clubId, ["OWNER", "MANAGER"]);
+    await tx.club.update({ where: { id: clubId }, data: { updatedAt: new Date() } });
+    const payment = await tx.clubPayment.findFirst({
+      where: { clubId, id: paymentId },
+      select: {
+        id: true,
+        reversal: { select: { id: true, reason: true, reversedByUserId: true } },
+      },
+    });
+    if (!payment) throw new OnboardingError(404, "Payment not found");
+    if (payment.reversal) {
+      if (payment.reversal.reason === reason && payment.reversal.reversedByUserId === actorId)
+        return { id: payment.reversal.id, repeated: true };
+      throw new OnboardingError(409, "Payment has already been reversed");
     }
-    const reversal=await tx.clubPaymentReversal.create({data:{clubId,paymentId,reason,reversedByUserId:actorId},
-      select:{id:true}});
-    await tx.securityEvent.create({data:{clubId,actorUserId:actorId,
-      eventType:"PAYMENT_REVERSED",referenceId:paymentId}});
-    return {...reversal,repeated:false};
+    const reversal = await tx.clubPaymentReversal.create({
+      data: { clubId, paymentId, reason, reversedByUserId: actorId },
+      select: { id: true },
+    });
+    await tx.securityEvent.create({
+      data: { clubId, actorUserId: actorId, eventType: "PAYMENT_REVERSED", referenceId: paymentId },
+    });
+    return { ...reversal, repeated: false };
   });
 }
 
-export type FinanceAmount={currency:string;charged:number;collected:number;outstanding:number;overdue:number;terms:number};
-export async function clubFinanceSummary(db:PrismaClient,clubId:string):Promise<FinanceAmount[]>{
-  const termTotals=await db.$queryRaw<Array<{currency:string;charged:bigint;outstanding:bigint;overdue:bigint;terms:bigint}>>`
+export type FinanceAmount = {
+  currency: string;
+  charged: number;
+  collected: number;
+  outstanding: number;
+  overdue: number;
+  terms: number;
+};
+export async function clubFinanceSummary(
+  db: PrismaClient,
+  clubId: string
+): Promise<FinanceAmount[]> {
+  const termTotals = await db.$queryRaw<
+    Array<{
+      currency: string;
+      charged: bigint;
+      outstanding: bigint;
+      overdue: bigint;
+      terms: bigint;
+    }>
+  >`
     WITH paid AS (
       SELECT p."subscriptionId",SUM(p."amountMinor")::bigint AS value
       FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
@@ -89,47 +173,120 @@ export async function clubFinanceSummary(db:PrismaClient,clubId:string):Promise<
     WHERE t."clubId"=${clubId} AND t."cancelledAt" IS NULL
     GROUP BY t."currency"
   `;
-  const received=await db.clubPayment.groupBy({by:["currency"],where:{clubId,reversal:{is:null}},
-    _sum:{amountMinor:true}});
-  const totals=new Map<string,FinanceAmount>();
-  for(const t of termTotals)totals.set(t.currency,{
-    currency:t.currency,charged:asSafeNumber(t.charged),collected:0,
-    outstanding:asSafeNumber(t.outstanding),overdue:asSafeNumber(t.overdue),terms:asSafeNumber(t.terms)
+  const received = await db.clubPayment.groupBy({
+    by: ["currency"],
+    where: { clubId, reversal: { is: null } },
+    _sum: { amountMinor: true },
   });
-  for(const p of received){
-    const existing=totals.get(p.currency)??{currency:p.currency,charged:0,collected:0,outstanding:0,overdue:0,terms:0};
-    existing.collected=p._sum.amountMinor??0;totals.set(p.currency,existing);
+  const totals = new Map<string, FinanceAmount>();
+  for (const t of termTotals)
+    totals.set(t.currency, {
+      currency: t.currency,
+      charged: asSafeNumber(t.charged),
+      collected: 0,
+      outstanding: asSafeNumber(t.outstanding),
+      overdue: asSafeNumber(t.overdue),
+      terms: asSafeNumber(t.terms),
+    });
+  for (const p of received) {
+    const existing = totals.get(p.currency) ?? {
+      currency: p.currency,
+      charged: 0,
+      collected: 0,
+      outstanding: 0,
+      overdue: 0,
+      terms: 0,
+    };
+    existing.collected = p._sum.amountMinor ?? 0;
+    totals.set(p.currency, existing);
   }
-  return [...totals.values()].sort((a,b)=>a.currency.localeCompare(b.currency));
+  return [...totals.values()].sort((a, b) => a.currency.localeCompare(b.currency));
 }
-export async function recentClubPayments(db:PrismaClient,clubId:string,cursor?:string){
-  return db.clubPayment.findMany({where:{clubId},orderBy:[{createdAt:"desc"},{id:"desc"}],
-    take:51,...(cursor?{cursor:{id:cursor},skip:1}:{}),
-    select:{id:true,receiptNo:true,amountMinor:true,currency:true,method:true,memberName:true,
-      memberRecordId:true,planName:true,createdAt:true,receivedAt:true,
-      reversal:{select:{reason:true,createdAt:true}}}
+export async function recentClubPayments(db: PrismaClient, clubId: string, cursor?: string) {
+  return db.clubPayment.findMany({
+    where: { clubId },
+    orderBy: [{ createdAt: "desc" }, { id: "desc" }],
+    take: 51,
+    ...(cursor ? { cursor: { id: cursor }, skip: 1 } : {}),
+    select: {
+      id: true,
+      receiptNo: true,
+      amountMinor: true,
+      currency: true,
+      method: true,
+      memberName: true,
+      memberRecordId: true,
+      planName: true,
+      createdAt: true,
+      receivedAt: true,
+      reversal: { select: { reason: true, createdAt: true } },
+    },
   });
 }
-export async function memberClubFinance(db:PrismaClient,clubId:string,memberId:string){
-  const terms=await db.memberSubscription.findMany({where:{clubId,memberRecordId:memberId},
-    orderBy:[{createdAt:"desc"},{id:"desc"}],take:80,
-    select:{id:true,planName:true,priceMinor:true,currency:true,createdAt:true,cancelledAt:true,
-      endAt:true,payments:{select:{id:true,amountMinor:true,receiptNo:true,receivedAt:true,method:true,
-        reversal:{select:{id:true}}},orderBy:{createdAt:"desc"},take:10}}
+export async function memberClubFinance(db: PrismaClient, clubId: string, memberId: string) {
+  const terms = await db.memberSubscription.findMany({
+    where: { clubId, memberRecordId: memberId },
+    orderBy: [{ createdAt: "desc" }, { id: "desc" }],
+    take: 80,
+    select: {
+      id: true,
+      planName: true,
+      priceMinor: true,
+      currency: true,
+      createdAt: true,
+      cancelledAt: true,
+      endAt: true,
+      payments: {
+        select: {
+          id: true,
+          amountMinor: true,
+          receiptNo: true,
+          receivedAt: true,
+          method: true,
+          reversal: { select: { id: true } },
+        },
+        orderBy: { createdAt: "desc" },
+        take: 10,
+      },
+    },
   });
-  const aggregates=terms.length?await db.clubPayment.groupBy({by:["subscriptionId"],
-    where:{clubId,memberRecordId:memberId,subscriptionId:{in:terms.map(t=>t.id)},reversal:{is:null}},
-    _sum:{amountMinor:true}}):[];
-  const paidByTerm=new Map(aggregates.map(a=>[a.subscriptionId,a._sum.amountMinor??0]));
-  return terms.map(term=>{
-    const paid=paidByTerm.get(term.id)??0;
-    return {...term,paidMinor:paid,dueMinor:term.cancelledAt?0:financeBalance(term.priceMinor,paid)};
+  const aggregates = terms.length
+    ? await db.clubPayment.groupBy({
+        by: ["subscriptionId"],
+        where: {
+          clubId,
+          memberRecordId: memberId,
+          subscriptionId: { in: terms.map((t) => t.id) },
+          reversal: { is: null },
+        },
+        _sum: { amountMinor: true },
+      })
+    : [];
+  const paidByTerm = new Map(aggregates.map((a) => [a.subscriptionId, a._sum.amountMinor ?? 0]));
+  return terms.map((term) => {
+    const paid = paidByTerm.get(term.id) ?? 0;
+    return {
+      ...term,
+      paidMinor: paid,
+      dueMinor: term.cancelledAt ? 0 : financeBalance(term.priceMinor, paid),
+    };
   });
 }
-export async function clubDuesPage(db:PrismaClient,clubId:string,cursor?:string){
-  const rows=await db.$queryRaw<Array<{id:string;memberRecordId:string;memberName:string;
-    memberNumber:number;planName:string;currency:string;priceMinor:number;paidMinor:bigint;
-    dueMinor:bigint;endAt:Date}>>`
+export async function clubDuesPage(db: PrismaClient, clubId: string, cursor?: string) {
+  const rows = await db.$queryRaw<
+    Array<{
+      id: string;
+      memberRecordId: string;
+      memberName: string;
+      memberNumber: number;
+      planName: string;
+      currency: string;
+      priceMinor: number;
+      paidMinor: bigint;
+      dueMinor: bigint;
+      endAt: Date;
+    }>
+  >`
     WITH paid AS (
       SELECT p."subscriptionId",SUM(p."amountMinor")::bigint AS value
       FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
@@ -143,20 +300,28 @@ export async function clubDuesPage(db:PrismaClient,clubId:string,cursor?:string)
     LEFT JOIN paid ON paid."subscriptionId"=t."id"
     WHERE t."clubId"=${clubId} AND t."cancelledAt" IS NULL
       AND t."priceMinor">COALESCE(paid.value,0)
-      AND t."id">${cursor??''}
+      AND t."id">${cursor ?? ""}
     ORDER BY t."id" ASC LIMIT 51
   `;
-  return rows.map(r=>({...r,paidMinor:asSafeNumber(r.paidMinor),dueMinor:asSafeNumber(r.dueMinor)}));
+  return rows.map((r) => ({
+    ...r,
+    paidMinor: asSafeNumber(r.paidMinor),
+    dueMinor: asSafeNumber(r.dueMinor),
+  }));
 }
 
-export async function financeMonthlyTrend(db:PrismaClient,clubId:string,timeZone:string){
-  const cutoff=new Date(Date.now()-215*86400000);
-  const rows=await db.$queryRaw<Array<{month:string;currency:string;amount:bigint}>>`
+export async function financeMonthlyTrend(db: PrismaClient, clubId: string, timeZone: string) {
+  const cutoff = new Date(Date.now() - 215 * 86400000);
+  const rows = await db.$queryRaw<Array<{ month: string; currency: string; amount: bigint }>>`
     SELECT to_char(p."receivedAt" AT TIME ZONE ${timeZone},'YYYY-MM') AS month,
       p."currency",SUM(p."amountMinor")::bigint AS amount
     FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id"
     WHERE p."clubId"=${clubId} AND p."receivedAt">=${cutoff} AND r."id" IS NULL
     GROUP BY month,p."currency" ORDER BY month ASC,p."currency" ASC
   `;
-  return rows.map(row=>({month:row.month,currency:row.currency,amount:asSafeNumber(row.amount)}));
+  return rows.map((row) => ({
+    month: row.month,
+    currency: row.currency,
+    amount: asSafeNumber(row.amount),
+  }));
 }
diff --git a/src/lib/validations/finance.ts b/src/lib/validations/finance.ts
index 036f80e..e62a96b 100644
--- a/src/lib/validations/finance.ts
+++ b/src/lib/validations/finance.ts
@@ -1,13 +1,17 @@
 import { z } from "zod";
 
-export const recordClubPaymentInput = z.object({
-  memberId:z.string().trim().min(10).max(128),
-  subscriptionId:z.string().trim().min(10).max(128),
-  operationKey:z.uuid(),
-  amountMinor:z.number().int().min(1).max(100000000),
-  method:z.enum(["CASH","UPI","CARD","OTHER"]),
-  externalReference:z.string().trim().max(120).optional().default(""),
-  note:z.string().trim().max(240).optional().default("")
-}).strict();
-export const reverseClubPaymentInput = z.object({reason:z.string().trim().min(8).max(240)}).strict();
-export type RecordClubPaymentInput=z.infer<typeof recordClubPaymentInput>;
+export const recordClubPaymentInput = z
+  .object({
+    memberId: z.string().trim().min(10).max(128),
+    subscriptionId: z.string().trim().min(10).max(128),
+    operationKey: z.uuid(),
+    amountMinor: z.number().int().min(1).max(100000000),
+    method: z.enum(["CASH", "UPI", "CARD", "OTHER"]),
+    externalReference: z.string().trim().max(120).optional().default(""),
+    note: z.string().trim().max(240).optional().default(""),
+  })
+  .strict();
+export const reverseClubPaymentInput = z
+  .object({ reason: z.string().trim().min(8).max(240) })
+  .strict();
+export type RecordClubPaymentInput = z.infer<typeof recordClubPaymentInput>;
diff --git a/tests/integration/b4-finance-schema.test.mjs b/tests/integration/b4-finance-schema.test.mjs
index 8f4eb84..e35d6cd 100644
--- a/tests/integration/b4-finance-schema.test.mjs
+++ b/tests/integration/b4-finance-schema.test.mjs
@@ -2,57 +2,169 @@ import assert from "node:assert/strict";
 import test from "node:test";
 import { randomUUID } from "node:crypto";
 import pg from "pg";
-assert.ok(process.env.DATABASE_URL,"Run on disposable migrated ClubKeep PostgreSQL 17 only");
-const {Client}=pg;
-async function withinTx(fn){
-  const db=new Client({connectionString:process.env.DATABASE_URL,connectionTimeoutMillis:5000});
-  await db.connect();try{await db.query("BEGIN");await fn(db);}finally{await db.query("ROLLBACK");await db.end();}
+assert.ok(process.env.DATABASE_URL, "Run on disposable migrated ClubKeep PostgreSQL 17 only");
+const { Client } = pg;
+async function withinTx(fn) {
+  const db = new Client({
+    connectionString: process.env.DATABASE_URL,
+    connectionTimeoutMillis: 5000,
+  });
+  await db.connect();
+  try {
+    await db.query("BEGIN");
+    await fn(db);
+  } finally {
+    await db.query("ROLLBACK");
+    await db.end();
+  }
 }
-async function reject(db,sql,values,code){
+async function reject(db, sql, values, code) {
   await db.query("SAVEPOINT expected_failure");
-  try{await assert.rejects(()=>db.query(sql,values),(err)=>err.code===code);}
-  finally{await db.query("ROLLBACK TO SAVEPOINT expected_failure");}
+  try {
+    await assert.rejects(
+      () => db.query(sql, values),
+      (err) => err.code === code
+    );
+  } finally {
+    await db.query("ROLLBACK TO SAVEPOINT expected_failure");
+  }
 }
-async function fixture(db){
-  const n=randomUUID().slice(0,8),user="b4-u-"+n,club="b4-a-"+n,foreignClub="b4-b-"+n;
-  const member="b4-m-"+n,plan="b4-plan-"+n,term="b4-term-"+n;
-  await db.query('INSERT INTO "user" ("id","name","email","updatedAt") VALUES ($1,\'Bookkeeper\',$2,NOW())',[user,user+"@example.invalid"]);
-  await db.query('INSERT INTO "Club" ("id","slug","name","updatedAt") VALUES ($1,$1,\'Club One\',NOW()),($2,$2,\'Club Two\',NOW())',[club,foreignClub]);
-  await db.query('INSERT INTO "ClubMemberRecord" ("id","clubId","memberNumber","displayName","updatedAt") VALUES ($1,$2,1,\'Walk-in Member\',NOW())',[member,club]);
-  await db.query('INSERT INTO "ClubPlan" ("id","clubId","name","durationUnit","durationCount","priceMinor","currency","updatedAt") VALUES ($1,$2,\'Monthly\',\'MONTHS\',1,15000,\'INR\',NOW())',[plan,club]);
-  await db.query('INSERT INTO "MemberSubscription" ("id","clubId","memberRecordId","planId","planName","priceMinor","currency","startAt","endAt","operationKey","createdByUserId") VALUES ($1,$2,$3,$4,\'Monthly\',15000,\'INR\',NOW(),NOW()+INTERVAL \'1 month\',$5,$6)',[term,club,member,plan,"b4-term-op-"+n,user]);
-  return {n,user,club,foreignClub,member,term};
+async function fixture(db) {
+  const n = randomUUID().slice(0, 8),
+    user = "b4-u-" + n,
+    club = "b4-a-" + n,
+    foreignClub = "b4-b-" + n;
+  const member = "b4-m-" + n,
+    plan = "b4-plan-" + n,
+    term = "b4-term-" + n;
+  await db.query(
+    'INSERT INTO "user" ("id","name","email","updatedAt") VALUES ($1,\'Bookkeeper\',$2,NOW())',
+    [user, user + "@example.invalid"]
+  );
+  await db.query(
+    'INSERT INTO "Club" ("id","slug","name","updatedAt") VALUES ($1,$1,\'Club One\',NOW()),($2,$2,\'Club Two\',NOW())',
+    [club, foreignClub]
+  );
+  await db.query(
+    'INSERT INTO "ClubMemberRecord" ("id","clubId","memberNumber","displayName","updatedAt") VALUES ($1,$2,1,\'Walk-in Member\',NOW())',
+    [member, club]
+  );
+  await db.query(
+    'INSERT INTO "ClubPlan" ("id","clubId","name","durationUnit","durationCount","priceMinor","currency","updatedAt") VALUES ($1,$2,\'Monthly\',\'MONTHS\',1,15000,\'INR\',NOW())',
+    [plan, club]
+  );
+  await db.query(
+    'INSERT INTO "MemberSubscription" ("id","clubId","memberRecordId","planId","planName","priceMinor","currency","startAt","endAt","operationKey","createdByUserId") VALUES ($1,$2,$3,$4,\'Monthly\',15000,\'INR\',NOW(),NOW()+INTERVAL \'1 month\',$5,$6)',
+    [term, club, member, plan, "b4-term-op-" + n, user]
+  );
+  return { n, user, club, foreignClub, member, term };
 }
-function insertSQL(){
+function insertSQL() {
   return 'INSERT INTO "ClubPayment" ("id","clubId","memberRecordId","subscriptionId","receiptNo","operationKey","amountMinor","currency","method","recordedByUserId","clubName","memberName","memberNumber","planName","termPriceMinor","termStartsAt","termEndsAt") VALUES ($1,$2,$3,$4,$5,$6,$7,$8,\'CASH\',$9,\'Club One\',\'Walk-in Member\',1,\'Monthly\',15000,NOW(),NOW()+INTERVAL \'1 month\')';
 }
-test("B4 denies cross-club member/term use, zero money, duplicate receipts and idempotency keys",async()=>{
-  await withinTx(async db=>{
-    const f=await fixture(db),payment="b4-pay-"+f.n,key="b4-payment-op-"+f.n;
-    const good=[payment,f.club,f.member,f.term,1,key,5000,"INR",f.user];
-    await db.query(insertSQL(),good);
-    await reject(db,insertSQL(),["b4-foreign-"+f.n,f.foreignClub,f.member,f.term,2,key+"foreign",100,"INR",f.user],"23503");
-    await reject(db,insertSQL(),["b4-zero-"+f.n,f.club,f.member,f.term,2,key+"zero",0,"INR",f.user],"23514");
-    await reject(db,insertSQL(),["b4-negative-"+f.n,f.club,f.member,f.term,2,key+"negative",-1,"INR",f.user],"23514");
-    await reject(db,insertSQL(),["b4-dupno-"+f.n,f.club,f.member,f.term,1,key+"duplicate",1,"INR",f.user],"23505");
-    await reject(db,insertSQL(),["b4-dupkey-"+f.n,f.club,f.member,f.term,2,key,1,"INR",f.user],"23505");
-    await reject(db,insertSQL(),["b4-badcurrency-"+f.n,f.club,f.member,f.term,2,key+"currency",10,"123",f.user],"23514");
-    assert.equal((await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "clubId"=$1',[f.club])).rows[0].n,1);
+test("B4 denies cross-club member/term use, zero money, duplicate receipts and idempotency keys", async () => {
+  await withinTx(async (db) => {
+    const f = await fixture(db),
+      payment = "b4-pay-" + f.n,
+      key = "b4-payment-op-" + f.n;
+    const good = [payment, f.club, f.member, f.term, 1, key, 5000, "INR", f.user];
+    await db.query(insertSQL(), good);
+    await reject(
+      db,
+      insertSQL(),
+      [
+        "b4-foreign-" + f.n,
+        f.foreignClub,
+        f.member,
+        f.term,
+        2,
+        key + "foreign",
+        100,
+        "INR",
+        f.user,
+      ],
+      "23503"
+    );
+    await reject(
+      db,
+      insertSQL(),
+      ["b4-zero-" + f.n, f.club, f.member, f.term, 2, key + "zero", 0, "INR", f.user],
+      "23514"
+    );
+    await reject(
+      db,
+      insertSQL(),
+      ["b4-negative-" + f.n, f.club, f.member, f.term, 2, key + "negative", -1, "INR", f.user],
+      "23514"
+    );
+    await reject(
+      db,
+      insertSQL(),
+      ["b4-dupno-" + f.n, f.club, f.member, f.term, 1, key + "duplicate", 1, "INR", f.user],
+      "23505"
+    );
+    await reject(
+      db,
+      insertSQL(),
+      ["b4-dupkey-" + f.n, f.club, f.member, f.term, 2, key, 1, "INR", f.user],
+      "23505"
+    );
+    await reject(
+      db,
+      insertSQL(),
+      ["b4-badcurrency-" + f.n, f.club, f.member, f.term, 2, key + "currency", 10, "123", f.user],
+      "23514"
+    );
+    assert.equal(
+      (await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "clubId"=$1', [f.club]))
+        .rows[0].n,
+      1
+    );
   });
 });
-test("B4 appends one reversal, never rewrites or deletes historical payments or reversals",async()=>{
-  await withinTx(async db=>{
-    const f=await fixture(db),payment="b4-pay-"+f.n,key="b4-payment-op-"+f.n;
-    await db.query(insertSQL(),[payment,f.club,f.member,f.term,1,key,5000,"INR",f.user]);
-    await reject(db,'UPDATE "ClubPayment" SET "amountMinor"=2000 WHERE "id"=$1',[payment],"P0001");
-    await reject(db,'DELETE FROM "ClubPayment" WHERE "id"=$1',[payment],"P0001");
-    await db.query('INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',["b4-rev-"+f.n,f.club,payment,"Mistaken collection entered twice",f.user]);
-    await reject(db,'INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',["b4-other-rev-"+f.n,f.club,payment,"Mistaken collection entered twice",f.user],"23505");
-    await reject(db,'UPDATE "ClubPaymentReversal" SET "reason"=$2 WHERE "paymentId"=$1',[payment,"Some other reason"],"P0001");
-    await reject(db,'DELETE FROM "ClubPaymentReversal" WHERE "paymentId"=$1',[payment],"P0001");
-    const p=(await db.query('SELECT p."amountMinor",r."reason" FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id" WHERE p."id"=$1',[payment])).rows[0];
-    assert.equal(p.amountMinor,5000);assert.equal(p.reason,"Mistaken collection entered twice");
-    await db.query('UPDATE "MemberSubscription" SET "cancelledAt"=NOW() WHERE "id"=$1',[f.term]);
-    assert.equal((await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "id"=$1',[payment])).rows[0].n,1);
+test("B4 appends one reversal, never rewrites or deletes historical payments or reversals", async () => {
+  await withinTx(async (db) => {
+    const f = await fixture(db),
+      payment = "b4-pay-" + f.n,
+      key = "b4-payment-op-" + f.n;
+    await db.query(insertSQL(), [payment, f.club, f.member, f.term, 1, key, 5000, "INR", f.user]);
+    await reject(
+      db,
+      'UPDATE "ClubPayment" SET "amountMinor"=2000 WHERE "id"=$1',
+      [payment],
+      "P0001"
+    );
+    await reject(db, 'DELETE FROM "ClubPayment" WHERE "id"=$1', [payment], "P0001");
+    await db.query(
+      'INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',
+      ["b4-rev-" + f.n, f.club, payment, "Mistaken collection entered twice", f.user]
+    );
+    await reject(
+      db,
+      'INSERT INTO "ClubPaymentReversal" ("id","clubId","paymentId","reason","reversedByUserId") VALUES ($1,$2,$3,$4,$5)',
+      ["b4-other-rev-" + f.n, f.club, payment, "Mistaken collection entered twice", f.user],
+      "23505"
+    );
+    await reject(
+      db,
+      'UPDATE "ClubPaymentReversal" SET "reason"=$2 WHERE "paymentId"=$1',
+      [payment, "Some other reason"],
+      "P0001"
+    );
+    await reject(db, 'DELETE FROM "ClubPaymentReversal" WHERE "paymentId"=$1', [payment], "P0001");
+    const p = (
+      await db.query(
+        'SELECT p."amountMinor",r."reason" FROM "ClubPayment" p LEFT JOIN "ClubPaymentReversal" r ON r."paymentId"=p."id" WHERE p."id"=$1',
+        [payment]
+      )
+    ).rows[0];
+    assert.equal(p.amountMinor, 5000);
+    assert.equal(p.reason, "Mistaken collection entered twice");
+    await db.query('UPDATE "MemberSubscription" SET "cancelledAt"=NOW() WHERE "id"=$1', [f.term]);
+    assert.equal(
+      (await db.query('SELECT count(*)::int n FROM "ClubPayment" WHERE "id"=$1', [payment])).rows[0]
+        .n,
+      1
+    );
   });
 });

From ff8b79b8564accec868d3826de11fd3ae91b3c9b Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:51:21 +0530
Subject: [PATCH 10/12] fix(B4): serialize fee collection against B1 renewal,
 cancellation and archive locks

---
 src/lib/finance-service.ts | 8 ++++++++
 1 file changed, 8 insertions(+)

diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
index ff1e9b5..0d8294b 100644
--- a/src/lib/finance-service.ts
+++ b/src/lib/finance-service.ts
@@ -45,6 +45,14 @@ export async function recordClubPayment(
         throw new OnboardingError(409, "Idempotency key is already used for a different payment");
       return { id: repeat.id, receiptNo: repeat.receiptNo, repeated: true };
     }
+    // B1 renew/cancel/archive take the roster row lock. Share it to prevent
+    // recording a payment while a term is concurrently cancelled or archived.
+    const locked=await tx.$queryRaw<{id:string}[]>`
+      SELECT "id" FROM "ClubMemberRecord"
+      WHERE "id"=${input.memberId} AND "clubId"=${clubId} AND "status"='ACTIVE'
+      FOR UPDATE
+    `;
+    if(locked.length!==1)throw new OnboardingError(404,"Active club member not found");
     const term = await tx.memberSubscription.findFirst({
       where: {
         id: input.subscriptionId,

From 3c029923c698e5f35533bee86d8cd0ebba999196 Mon Sep 17 00:00:00 2001
From: "github-actions[bot]"
 <41898282+github-actions[bot]@users.noreply.github.com>
Date: Wed, 11 Nov 2026 22:22:26 +0000
Subject: [PATCH 11/12] style(B4): format financial source [b4-format-done]

---
 src/lib/finance-service.ts | 4 ++--
 1 file changed, 2 insertions(+), 2 deletions(-)

diff --git a/src/lib/finance-service.ts b/src/lib/finance-service.ts
index 0d8294b..557bcf0 100644
--- a/src/lib/finance-service.ts
+++ b/src/lib/finance-service.ts
@@ -47,12 +47,12 @@ export async function recordClubPayment(
     }
     // B1 renew/cancel/archive take the roster row lock. Share it to prevent
     // recording a payment while a term is concurrently cancelled or archived.
-    const locked=await tx.$queryRaw<{id:string}[]>`
+    const locked = await tx.$queryRaw<{ id: string }[]>`
       SELECT "id" FROM "ClubMemberRecord"
       WHERE "id"=${input.memberId} AND "clubId"=${clubId} AND "status"='ACTIVE'
       FOR UPDATE
     `;
-    if(locked.length!==1)throw new OnboardingError(404,"Active club member not found");
+    if (locked.length !== 1) throw new OnboardingError(404, "Active club member not found");
     const term = await tx.memberSubscription.findFirst({
       where: {
         id: input.subscriptionId,

From 7e6c20b76420dd04829de44f76b728f9ed780f00 Mon Sep 17 00:00:00 2001
From: "Sameer .I. Siddiqui" <admin@babahumor.com>
Date: Thu, 12 Nov 2026 03:53:35 +0530
Subject: [PATCH 12/12] docs(B4): reconcile merged phases and retire temporary
 source formatter

---
 .github/workflows/b4-formatter.yml | 34 ------------------------------
 docs/PRODUCT.md                    |  2 +-
 docs/ROADMAP.md                    | 15 ++++++++-----
 3 files changed, 11 insertions(+), 40 deletions(-)
 delete mode 100644 .github/workflows/b4-formatter.yml

diff --git a/.github/workflows/b4-formatter.yml b/.github/workflows/b4-formatter.yml
deleted file mode 100644
index ee7d74a..0000000
--- a/.github/workflows/b4-formatter.yml
+++ /dev/null
@@ -1,34 +0,0 @@
-name: B4 transient source formatter
-on:
-  push:
-    branches: [feat/b4-club-finance-dues-receipts]
-permissions:
-  contents: write
-jobs:
-  format:
-    if: ${{ !contains(github.event.head_commit.message, '[b4-format-done]') }}
-    runs-on: ubuntu-24.04
-    timeout-minutes: 10
-    steps:
-      - uses: actions/checkout@11bd71901bbe5b1630ceea73d27597364c9af683 # v4.2.2
-        with:
-          persist-credentials: true
-      - uses: actions/setup-node@49933ea5288caeca8642d1e84afbd3f7d6820020 # v4.4.0
-        with:
-          node-version-file: .nvmrc
-          cache: npm
-      - run: npm ci
-        env:
-          HUSKY: "0"
-      - name: Apply project Prettier on B4 feature branch
-        run: |
-          set -euo pipefail
-          test "$GITHUB_REF_NAME" = "feat/b4-club-finance-dues-receipts"
-          npx prettier --write src tests prisma.config.ts next.config.ts
-          if ! git diff --quiet -- src tests prisma.config.ts next.config.ts; then
-            git config user.name "github-actions[bot]"
-            git config user.email "41898282+github-actions[bot]@users.noreply.github.com"
-            git add src tests prisma.config.ts next.config.ts
-            git commit -m "style(B4): format financial source [b4-format-done]"
-            git push origin "HEAD:$GITHUB_REF_NAME"
-          fi
diff --git a/docs/PRODUCT.md b/docs/PRODUCT.md
index 213db70..f5d9679 100644
--- a/docs/PRODUCT.md
+++ b/docs/PRODUCT.md
@@ -17,7 +17,7 @@ ClubKeep is a polished, mobile-first operating system for small fitness and acti
 - **Pitch:** Run your club from your phone. Keep your members for life.
 - **North-star metric:** weekly active members per paying club.
 - **Market:** global from day one. India uses INR pricing and Razorpay; the rest of the world uses USD pricing and Stripe.
-- **First vertical:** gyms. Sports clubs, yoga and dance studios follow on the same engine with their own templates.
+- **Launch verticals:** gym/fitness, yoga, dance, sports and general clubs from day one, with a shared membership engine (B3 owner decision on 11 November 2026). Advanced class packs, schedules, batches and competition engines follow separately.
 - **Build:** solo developer, first release in about one month.
 
 ## Principles
diff --git a/docs/ROADMAP.md b/docs/ROADMAP.md
index ad56a7d..3adb4f0 100644
--- a/docs/ROADMAP.md
+++ b/docs/ROADMAP.md
@@ -1,6 +1,6 @@
 # ClubKeep roadmap
 
-Last updated: 10 Nov 2026 (final medical Free and no-clinician clarifications). This remains the **Business gym-first** roadmap. ClubKeep Personal has a separate staged plan in [DELIVERY_PLAN.md](DELIVERY_PLAN.md). Round 1–2 decisions are locked in [BUSINESS_SPEC.md](BUSINESS_SPEC.md), with pricing and unresolved caps in [ENTITLEMENTS.md](ENTITLEMENTS.md). Agents pick work from the top unchecked item; do not infer unapproved limits or claim planned health features shipped.
+Last updated: 12 Nov 2026 (B4 external fee ledger implementation). **All club verticals are available at launch**, as approved in B3. Existing advanced vertical-specific engines remain separately staged. ClubKeep Personal has a separate staged plan in [DELIVERY_PLAN.md](DELIVERY_PLAN.md). Round 1–2 decisions are locked in [BUSINESS_SPEC.md](BUSINESS_SPEC.md), with pricing and unresolved caps in [ENTITLEMENTS.md](ENTITLEMENTS.md). Agents pick work from the top unchecked item; do not infer unapproved limits or claim planned health features shipped.
 
 ## Phase 0 foundation first
 
@@ -8,7 +8,7 @@ Last updated: 10 Nov 2026 (final medical Free and no-clinician clarifications).
 - [x] **Phase 0B merged:** PR #9 (commit `d8b6395b`) added shared identity schema, two Prisma migrations and native PG17/x64/ARM64 tests. **Schema code merged, not deployed to production.**
 - [x] **Phase 0C code merged:** [real authentication plan](PHASE_0C_AUTHENTICATION_PLAN.md): Google OAuth with explicit linking, passkeys after verified login, hashed five-minute magic links via self-hosted `mx.bababuilds.com:587` STARTTLS, recovery and abuse controls. No SMS or production provisioning in the code PR.
 
-- [ ] **Phase 0D in PR #15 (draft):** [club onboarding runbook](PHASE_0D_RUNBOOK.md): authenticated club creation, owner role, atomic seven-day invite issue/claim/revoke, local QR, tenant isolation; live provider and policy gates remain.
+- [x] **Phase 0D merged in PR #15:** [club onboarding runbook](PHASE_0D_RUNBOOK.md): authenticated club creation, owner role, atomic seven-day invite issue/claim/revoke, local QR, tenant isolation; live provider and policy gates remain.
 - [ ] [SMS-free production foundation](PHASE_0_FOUNDATION.md): Google OAuth, passkeys, single-use 7-day invites/QR, email-link recovery, optional nonunique unverified phone contacts, shared global identity, Prisma 7 migrations, club-scoped roles, isolated Redis security, native co-host deployment, GitHub CI and restore tests.
 - [ ] **No Phase 0 medical tables**; Free medical vault (insurance information, blood type, user-authored biological instructions) and paid clinical history are later Personal features.
 - [ ] No dedicated clinician accounts. Verified two-way external messaging is deferred pending a separately approved non-account model.
@@ -20,13 +20,18 @@ Last updated: 10 Nov 2026 (final medical Free and no-clinician clarifications).
 | 1     | Nov 2026            | Discover and design: interviews, scope lock             | 10 gym-owner interviews done                 |
 | 2     | Dec 2026            | One-month solo build of the month-1 scope, 5 partner gyms live | 5 partner gyms using it every week     |
 | 3     | Jan to Mar 2027     | Paid launch, pricing tiers live, WhatsApp AI beta       | 20 paying clubs, churn under 3% a month      |
-| 4     | Apr to Sep 2027     | Scale: yoga, dance and sports templates, city leaderboards | Growth toward 100 clubs                   |
+| 4     | Apr to Sep 2027     | Scale: advanced yoga, dance and sports capabilities, city leaderboards | Growth toward 100 clubs                   |
 
 ## B1 implementation status
 
 - [x] **B1 Members & Membership Plans, merged PR #16:** additive roster and plan schema, club-specific walk-in registration and optional unverified contact, plan CRUD, idempotent term assignment/renewal, central active member limits, mobile-first Luxe UI, native PostgreSQL tests. Full production release requires green CI, verified staging provider and restore gates. See [B1 runbook](B1_MEMBERS_PLANS_RUNBOOK.md).
 
-- [ ] **B2 Attendance & Check-in, PR in review:** signed short-lived member QR, manual staff check-in, indexed local-day attendance ledger, member pass, history/CSV and Luxe reception UI. [B2 runbook](B2_ATTENDANCE_RUNBOOK.md). Live staging acceptance and policy limits remain.
+- [x] **B2 Attendance & Check-in, merged PR #17:** signed short-lived member QR, manual staff check-in, indexed local-day attendance ledger, member pass, history/CSV and Luxe reception UI. [B2 runbook](B2_ATTENDANCE_RUNBOOK.md). Live staging acceptance and policy limits remain.
+
+## B3 / B4 implementation status
+
+- [x] **B3 Unified Club Experience, merged PR #20:** all five verticals, required setup for new clubs, Luxe navigation and opt-in, moderated public club profiles.
+- [ ] **B4 Finance and Receipts, PR #21:** externally received collections, member dues, printable immutable payment snapshots and owner financial views. See [B4 release contract](B4_CLUB_FINANCE.md). This is not gateway processing or statutory invoicing. CI and staging gates apply.
 
 ## Month-1 build order
 
@@ -36,7 +41,7 @@ Cut from the bottom of this list first if time runs short (order of cuts: ID car
 2. [ ] **Clubs and roles:** `Club`, `ClubMember`, role guards, create-a-club flow with vertical template and branding.
 3. [x] **Members and plans:** `Plan`, `Membership`, invite members via secure single-use links or QR (`Invite`), optional unverified phone contacts, member list and renewal status.
 4. [ ] **Check-in:** QR (signed rotating token), manual by staff, attendance history.
-5. [ ] **Payment records:** record cash, UPI or card payments, dues, receipts.
+5. [ ] **Payment records (B4 PR #21 in review):** externally received cash, UPI or card records, dues, receipts, corrections. No payment gateway settlement.
 6. [ ] **Member app:** profile, bio stats history, payment history, my clubs.
 7. [ ] **ID card:** digital card page with QR to the member's profile, printable at credit-card size with one default layout.
 8. [ ] **Leaderboards:** `Season`, `Activity`, `Kpi`, `Score` with approval, club leaderboard, shareable visual.