many fixes

backend/igny8_core/business/billing/models.py

@@ -457,3 +457,43 @@ class PaymentMethodConfig(models.Model):
     
     def __str__(self):
         return f"{self.country_code} - {self.get_payment_method_display()}"
+
+
+class AccountPaymentMethod(AccountBaseModel):
+    """
+    Account-scoped payment methods (Stripe/PayPal/manual bank/wallet).
+    Only metadata/refs are stored here; no secrets.
+    """
+    PAYMENT_METHOD_CHOICES = [
+        ('stripe', 'Stripe'),
+        ('paypal', 'PayPal'),
+        ('bank_transfer', 'Bank Transfer'),
+        ('local_wallet', 'Local Wallet'),
+    ]
+
+    type = models.CharField(max_length=50, choices=PAYMENT_METHOD_CHOICES, db_index=True)
+    display_name = models.CharField(max_length=100, help_text="User-visible label", default='')
+    is_default = models.BooleanField(default=False, db_index=True)
+    is_enabled = models.BooleanField(default=True, db_index=True)
+    is_verified = models.BooleanField(default=False, db_index=True)
+    country_code = models.CharField(max_length=2, blank=True, default='', help_text="ISO-2 country code (optional)")
+
+    # Manual/bank/local wallet details (non-sensitive metadata)
+    instructions = models.TextField(blank=True, default='')
+    metadata = models.JSONField(default=dict, blank=True, help_text="Provider references or display metadata")
+
+    created_at = models.DateTimeField(auto_now_add=True)
+    updated_at = models.DateTimeField(auto_now=True)
+
+    class Meta:
+        app_label = 'billing'
+        db_table = 'igny8_account_payment_methods'
+        ordering = ['-is_default', 'display_name', 'id']
+        indexes = [
+            models.Index(fields=['account', 'is_default']),
+            models.Index(fields=['account', 'type']),
+        ]
+        unique_together = [['account', 'display_name']]
+
+    def __str__(self):
+        return f"{self.account_id} - {self.display_name} ({self.type})"