Erweiterte Bezahloptionen: Barzahlung, PayPal und Ueberweisung

Bisher gab es nur PayPal. Jetzt sind pro Mandant drei unabhaengig
aktivierbare Zahlungswege konfigurierbar (mandant-einstellungen.php):

- Barzahlung mit frei waehlbarem Ansprechpartner.
- PayPal wie bisher, mit Zahlungslink.
- Ueberweisung mit Kontoinhaber und IBAN (Format wird geprueft,
  Leerzeichen werden normalisiert).

Das Mitglieder-Dashboard (index.php) zeigt unter "Bezahlen" alle
aktivierten Methoden mit dem jeweils offenen Betrag; die IBAN wird zur
besseren Lesbarkeit in Viererbloecken angezeigt.

Neue tenant_settings-Spalten via Migration 0021 (cash_enabled,
cash_contact, bank_transfer_enabled, bank_account_holder, bank_iban).

app/saas-auth.php

@@ -281,7 +281,12 @@ function saas_fetch_tenant_settings(PDO $pdo, int $tenantId): ?array
             ts.pdf_footer_text,
             ts.payment_reminder_enabled,
             ts.payment_reminder_interval_days,
-            ts.pdf_watermark_logo
+            ts.pdf_watermark_logo,
+            ts.cash_enabled,
+            ts.cash_contact,
+            ts.bank_transfer_enabled,
+            ts.bank_account_holder,
+            ts.bank_iban
          FROM tenants t
          LEFT JOIN tenant_settings ts ON ts.tenant_id = t.id
          WHERE t.id = ?
@@ -322,6 +327,11 @@ function saas_fetch_tenant_settings(PDO $pdo, int $tenantId): ?array
         'payment_reminder_enabled' => (int)$settings['payment_reminder_enabled'],
         'payment_reminder_interval_days' => (int)$settings['payment_reminder_interval_days'],
         'pdf_watermark_logo' => (string)$settings['pdf_watermark_logo'],
+        'cash_enabled' => (int)$settings['cash_enabled'],
+        'cash_contact' => (string)$settings['cash_contact'],
+        'bank_transfer_enabled' => (int)$settings['bank_transfer_enabled'],
+        'bank_account_holder' => (string)$settings['bank_account_holder'],
+        'bank_iban' => (string)$settings['bank_iban'],
     ];
 }
 
@@ -335,6 +345,9 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
     $sheetWindowDays = filter_var($input['sheet_window_days'] ?? null, FILTER_VALIDATE_INT);
     $negativeWarningCents = saas_parse_money_cents($input['negative_warning'] ?? '');
     $paypalUrlTemplate = trim((string)($input['paypal_url_template'] ?? ''));
+    $cashContact = trim((string)($input['cash_contact'] ?? ''));
+    $bankAccountHolder = trim((string)($input['bank_account_holder'] ?? ''));
+    $bankIban = strtoupper(preg_replace('/\s+/', '', (string)($input['bank_iban'] ?? '')));
     $pdfSplitMode = trim((string)($input['pdf_split_mode'] ?? 'drinking_behavior'));
     $pdfRowHeightPx = filter_var($input['pdf_row_height_px'] ?? null, FILTER_VALIDATE_INT);
     $pdfWatermarkText = trim((string)($input['pdf_watermark_text'] ?? ''));
@@ -381,6 +394,15 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
     if ($paymentReminderIntervalDays === false || $paymentReminderIntervalDays < 1 || $paymentReminderIntervalDays > 90) {
         $errors[] = 'Das Erinnerungs-Intervall muss zwischen 1 und 90 Tagen liegen.';
     }
+    if (strlen($cashContact) > 255) {
+        $errors[] = 'Der Bar-Ansprechpartner ist zu lang (max. 255 Zeichen).';
+    }
+    if (strlen($bankAccountHolder) > 255) {
+        $errors[] = 'Der Kontoinhaber ist zu lang (max. 255 Zeichen).';
+    }
+    if ($bankIban !== '' && !preg_match('/^[A-Z]{2}[0-9]{2}[A-Z0-9]{10,30}$/', $bankIban)) {
+        $errors[] = 'Die IBAN hat kein gültiges Format.';
+    }
 
     if ($errors !== []) {
         return ['ok' => false, 'errors' => $errors];
@@ -388,6 +410,8 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
 
     $selfEntryEnabled = !empty($input['self_entry_enabled']) ? 1 : 0;
     $paypalEnabled = !empty($input['paypal_enabled']) ? 1 : 0;
+    $cashEnabled = !empty($input['cash_enabled']) ? 1 : 0;
+    $bankTransferEnabled = !empty($input['bank_transfer_enabled']) ? 1 : 0;
     $pdfShowEmptyRows = !empty($input['pdf_show_empty_rows']) ? 1 : 0;
     $paymentReminderEnabled = !empty($input['payment_reminder_enabled']) ? 1 : 0;
 
@@ -407,8 +431,10 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
                 paypal_url_template, sheet_window_days, negative_warning_cents,
                 pdf_show_empty_rows, pdf_split_mode, pdf_row_height_px,
                 pdf_watermark_text, pdf_footer_text,
-                payment_reminder_enabled, payment_reminder_interval_days)
+                payment_reminder_enabled, payment_reminder_interval_days,
-             VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+                cash_enabled, cash_contact, bank_transfer_enabled,
+                bank_account_holder, bank_iban)
+             VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
              ON DUPLICATE KEY UPDATE
                mark_price_cents = VALUES(mark_price_cents),
                self_entry_enabled = VALUES(self_entry_enabled),
@@ -422,7 +448,12 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
                pdf_watermark_text = VALUES(pdf_watermark_text),
                pdf_footer_text = VALUES(pdf_footer_text),
                payment_reminder_enabled = VALUES(payment_reminder_enabled),
-               payment_reminder_interval_days = VALUES(payment_reminder_interval_days)'
+               payment_reminder_interval_days = VALUES(payment_reminder_interval_days),
+               cash_enabled = VALUES(cash_enabled),
+               cash_contact = VALUES(cash_contact),
+               bank_transfer_enabled = VALUES(bank_transfer_enabled),
+               bank_account_holder = VALUES(bank_account_holder),
+               bank_iban = VALUES(bank_iban)'
         );
         $stmt->execute([
             $tenantId,
@@ -439,6 +470,11 @@ function saas_update_tenant_settings(PDO $pdo, int $tenantId, array $input): arr
             $pdfFooterText,
             $paymentReminderEnabled,
             (int)$paymentReminderIntervalDays,
+            $cashEnabled,
+            $cashContact,
+            $bankTransferEnabled,
+            $bankAccountHolder,
+            $bankIban,
         ]);
 
         $pdo->commit();

database/migrations/0021_payment_methods.sql

@@ -0,0 +1,9 @@
+-- Erweiterte Bezahloptionen pro Mandant: Barzahlung (mit Ansprechpartner) und
+-- Ueberweisung (mit IBAN und Kontoinhaber). PayPal existiert bereits ueber
+-- paypal_enabled/paypal_url_template.
+ALTER TABLE tenant_settings
+  ADD COLUMN cash_enabled TINYINT(1) NOT NULL DEFAULT 0 AFTER pdf_watermark_logo,
+  ADD COLUMN cash_contact VARCHAR(255) NOT NULL DEFAULT '' AFTER cash_enabled,
+  ADD COLUMN bank_transfer_enabled TINYINT(1) NOT NULL DEFAULT 0 AFTER cash_contact,
+  ADD COLUMN bank_account_holder VARCHAR(255) NOT NULL DEFAULT '' AFTER bank_transfer_enabled,
+  ADD COLUMN bank_iban VARCHAR(40) NOT NULL DEFAULT '' AFTER bank_account_holder;

index.php

@@ -271,6 +271,10 @@ if ($hasAccess && $participant !== null && $settings !== null) {
 	$selfEntryEnabled = (int)$settings['self_entry_enabled'] === 1;
 	$paypalEnabled = (int)$settings['paypal_enabled'] === 1
 		&& trim((string)$settings['paypal_url_template']) !== '';
+	$cashEnabled = (int)$settings['cash_enabled'] === 1;
+	$bankTransferEnabled = (int)$settings['bank_transfer_enabled'] === 1
+		&& trim((string)$settings['bank_iban']) !== '';
+	$anyPaymentEnabled = $paypalEnabled || $cashEnabled || $bankTransferEnabled;
 ?>
 		<h2>Kaffeeliste</h2>
 		<?php if ($currentName !== ''): ?>
@@ -354,8 +358,37 @@ if ($hasAccess && $participant !== null && $settings !== null) {
 		<small>Falsch getippt? Mit „Letzten Strich stornieren" nimmst du deinen jüngsten selbst eingetragenen Strich wieder zurück. Vom Kassenwart eingetragene Striche bleiben davon unberührt.</small>
 <?php endif; ?>
 
+<?php if ($anyPaymentEnabled): ?>
+		<h2>Bezahlen</h2>
+<?php if ($balanceCents < 0): ?>
+		<p>Dein offener Betrag: <b><?php echo saas_html(dashboard_money(abs($balanceCents))); ?></b></p>
+<?php endif; ?>
+<?php endif; ?>
+
+<?php if ($cashEnabled): ?>
+		<h4>Barzahlung</h4>
+<?php if (trim((string)$settings['cash_contact']) !== ''): ?>
+		<p>Bitte bar bei <b><?php echo saas_html($settings['cash_contact']); ?></b> bezahlen.</p>
+<?php else: ?>
+		<p>Barzahlung ist möglich.</p>
+<?php endif; ?>
+<?php endif; ?>
+
+<?php if ($bankTransferEnabled): ?>
+		<h4>Überweisung</h4>
+		<p>
+<?php if (trim((string)$settings['bank_account_holder']) !== ''): ?>
+			Kontoinhaber: <b><?php echo saas_html($settings['bank_account_holder']); ?></b><br>
+<?php endif; ?>
+			IBAN: <b><?php echo saas_html(trim(chunk_split((string)$settings['bank_iban'], 4, ' '))); ?></b>
+<?php if ($balanceCents < 0): ?>
+			<br>Bitte überweise deinen offenen Betrag von <b><?php echo saas_html(dashboard_money(abs($balanceCents))); ?></b>.
+<?php endif; ?>
+		</p>
+<?php endif; ?>
+
 <?php if ($paypalEnabled): ?>
-		<h2>PayPal-Einzahlungen</h2>
+		<h4>PayPal</h4>
 		<b>Bezahle immer über die Freunde-Funktion von PayPal. Ansonsten stellen wir 20% des Betrags als Gebühr in Rechnung.</b><br>
 		<br>
 <?php

mandant-einstellungen.php

@@ -45,6 +45,11 @@ if ($canManageSettings) {
                 'self_entry_enabled' => !empty($_POST['self_entry_enabled']) ? 1 : 0,
                 'paypal_enabled' => !empty($_POST['paypal_enabled']) ? 1 : 0,
                 'paypal_url_template' => $_POST['paypal_url_template'] ?? '',
+                'cash_enabled' => !empty($_POST['cash_enabled']) ? 1 : 0,
+                'cash_contact' => $_POST['cash_contact'] ?? '',
+                'bank_transfer_enabled' => !empty($_POST['bank_transfer_enabled']) ? 1 : 0,
+                'bank_account_holder' => $_POST['bank_account_holder'] ?? '',
+                'bank_iban' => $_POST['bank_iban'] ?? '',
                 'sheet_window_days' => $_POST['sheet_window_days'] ?? 100,
                 'negative_warning_cents' => -abs(saas_parse_money_cents($_POST['negative_warning'] ?? '') ?? 0),
                 'pdf_show_empty_rows' => !empty($_POST['pdf_show_empty_rows']) ? 1 : 0,
@@ -125,16 +130,40 @@ include 'nav.php';
                         <input type="text" name="negative_warning" id="negative_warning" value="<?php echo saas_html(saas_format_money_cents(abs((int)$settings['negative_warning_cents']))); ?>" required>
                     </div>
                     <div class="col-12">
+                        <h3>Bezahloptionen</h3>
+                        <p>Aktiviere die Zahlungswege, die deine Mitglieder nutzen können. Nur aktivierte Optionen werden im Mitglieder-Dashboard angezeigt.</p>
+                    </div>
+                    <div class="col-6 col-12-small">
+                        <input type="checkbox" id="cash_enabled" name="cash_enabled" value="1" <?php echo (int)$settings['cash_enabled'] === 1 ? 'checked' : ''; ?>>
+                        <label for="cash_enabled">Barzahlung anbieten</label>
+                    </div>
+                    <div class="col-6 col-12-small">
+                        <label for="cash_contact">Ansprechpartner für Barzahlung</label>
+                        <input type="text" name="cash_contact" id="cash_contact" maxlength="255" value="<?php echo saas_html($settings['cash_contact']); ?>">
+                    </div>
+                    <div class="col-6 col-12-small">
+                        <input type="checkbox" id="paypal_enabled" name="paypal_enabled" value="1" <?php echo (int)$settings['paypal_enabled'] === 1 ? 'checked' : ''; ?>>
+                        <label for="paypal_enabled">PayPal anbieten</label>
+                    </div>
+                    <div class="col-6 col-12-small">
                         <label for="paypal_url_template">PayPal-Link</label>
                         <input type="text" name="paypal_url_template" id="paypal_url_template" value="<?php echo saas_html($settings['paypal_url_template']); ?>">
                     </div>
                     <div class="col-6 col-12-small">
-                        <input type="checkbox" id="self_entry_enabled" name="self_entry_enabled" value="1" <?php echo (int)$settings['self_entry_enabled'] === 1 ? 'checked' : ''; ?>>
+                        <input type="checkbox" id="bank_transfer_enabled" name="bank_transfer_enabled" value="1" <?php echo (int)$settings['bank_transfer_enabled'] === 1 ? 'checked' : ''; ?>>
-                        <label for="self_entry_enabled">Web-Striche erlauben</label>
+                        <label for="bank_transfer_enabled">Überweisung anbieten</label>
                     </div>
                     <div class="col-6 col-12-small">
-                        <input type="checkbox" id="paypal_enabled" name="paypal_enabled" value="1" <?php echo (int)$settings['paypal_enabled'] === 1 ? 'checked' : ''; ?>>
+                        <label for="bank_account_holder">Kontoinhaber (Überweisung)</label>
-                        <label for="paypal_enabled">PayPal anzeigen</label>
+                        <input type="text" name="bank_account_holder" id="bank_account_holder" maxlength="255" value="<?php echo saas_html($settings['bank_account_holder']); ?>">
+                    </div>
+                    <div class="col-12">
+                        <label for="bank_iban">IBAN (Überweisung)</label>
+                        <input type="text" name="bank_iban" id="bank_iban" maxlength="40" value="<?php echo saas_html($settings['bank_iban']); ?>">
+                    </div>
+                    <div class="col-6 col-12-small">
+                        <input type="checkbox" id="self_entry_enabled" name="self_entry_enabled" value="1" <?php echo (int)$settings['self_entry_enabled'] === 1 ? 'checked' : ''; ?>>
+                        <label for="self_entry_enabled">Web-Striche erlauben</label>
                     </div>
                     <div class="col-6 col-12-small">
                         <input type="checkbox" id="pdf_show_empty_rows" name="pdf_show_empty_rows" value="1" <?php echo (int)$settings['pdf_show_empty_rows'] === 1 ? 'checked' : ''; ?>>