From 3ee59a095674b10b0ed3cfab33230f8217aee992 Mon Sep 17 00:00:00 2001
From: isaacclad <sense.corporate@gmail.com>
Date: Fri, 17 Jul 2026 21:13:06 +0000
Subject: [PATCH] Activate Care workflows across check-in and financial
 clearance.

Enforce service-queue gates, cashier settlements, and clinical stage progression so patient journeys cannot bypass configured payment or authorization rules.

Co-authored-by: Cursor <cursoragent@cursor.com>
---
 .env.example                                  |   5 +
 .../Care/AppointmentController.php            |  59 +-
 .../Care/ConsultationController.php           |  26 +-
 .../Care/FinancialObligationController.php    | 205 +++++++
 app/Http/Controllers/Care/QueueController.php |  23 +-
 .../Controllers/Care/SettingsController.php   |  51 +-
 .../Care/VisitWorkflowController.php          |  81 +++
 app/Models/Appointment.php                    |   2 +-
 app/Models/FinancialObligation.php            |  10 +
 app/Models/Organization.php                   |  10 +
 app/Models/Visit.php                          |  10 +
 app/Models/WorkflowStage.php                  |  11 +
 app/Services/Care/AppointmentService.php      |  55 +-
 app/Services/Care/BillService.php             | 118 +++-
 app/Services/Care/CareQueueBridge.php         |  53 +-
 app/Services/Care/ConsultationService.php     |   6 +-
 app/Services/Care/DemoTenantSeeder.php        |  11 +
 app/Services/Care/InvestigationService.php    |  16 +-
 app/Services/Care/OrganizationResolver.php    |   6 +
 app/Services/Care/PharmacyService.php         |  14 +-
 app/Services/Care/PrescriptionService.php     |  11 +
 app/Services/Care/VisitService.php            |  10 +
 .../Care/Workflow/FinancialGateService.php    | 116 +++-
 app/Services/Care/Workflow/WorkflowEngine.php |  84 ++-
 .../Care/Workflow/WorkflowQueueGate.php       |  67 +++
 .../Workflow/WorkflowQueueReleaseService.php  | 103 ++++
 .../WorkflowStageCompletionService.php        | 120 ++++
 config/care.php                               |   3 +
 config/care_workflows.php                     |  18 +
 ...force_unique_care_workflow_obligations.php |  25 +
 .../views/care/appointments/show.blade.php    |  46 +-
 resources/views/care/bills/index.blade.php    |   3 +
 .../financial-obligations/index.blade.php     | 106 ++++
 resources/views/care/settings/edit.blade.php  |  30 +
 resources/views/partials/sidebar.blade.php    |   2 +-
 routes/web.php                                |  20 +-
 .../CareFinancialWorkflowRuntimeTest.php      | 514 ++++++++++++++++++
 tests/Feature/CareWorkflowEngineTest.php      |  10 +-
 38 files changed, 1953 insertions(+), 107 deletions(-)
 create mode 100644 app/Http/Controllers/Care/FinancialObligationController.php
 create mode 100644 app/Http/Controllers/Care/VisitWorkflowController.php
 create mode 100644 app/Services/Care/Workflow/WorkflowQueueGate.php
 create mode 100644 app/Services/Care/Workflow/WorkflowQueueReleaseService.php
 create mode 100644 app/Services/Care/Workflow/WorkflowStageCompletionService.php
 create mode 100644 database/migrations/2026_07_17_210000_enforce_unique_care_workflow_obligations.php
 create mode 100644 resources/views/care/financial-obligations/index.blade.php
 create mode 100644 tests/Feature/CareFinancialWorkflowRuntimeTest.php

diff --git a/.env.example b/.env.example
index 1cb7916..271ed92 100644
--- a/.env.example
+++ b/.env.example
@@ -67,6 +67,11 @@ AFIA_PLATFORM_API_KEY=
 # Platform events webhook (user/org lifecycle from the monolith)
 SERVICE_EVENTS_INBOUND_SECRET=
 
+# Patient journey financial gate defaults (minor currency units)
+CARE_CURRENCY=GHS
+CARE_PATIENT_CARD_FEE_MINOR=2000
+CARE_CONSULTATION_FEE_MINOR=5000
+
 # Suite demo accounts (sales walkthroughs) — reset Care data on each SSO login
 DEMO_ACCOUNTS_ENABLED=false
 DEMO_RESET_ON_LOGIN=true
diff --git a/app/Http/Controllers/Care/AppointmentController.php b/app/Http/Controllers/Care/AppointmentController.php
index 04555ea..a4f215a 100644
--- a/app/Http/Controllers/Care/AppointmentController.php
+++ b/app/Http/Controllers/Care/AppointmentController.php
@@ -2,15 +2,21 @@
 
 namespace App\Http\Controllers\Care;
 
-use App\Http\Controllers\Controller;
 use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
 use App\Models\Appointment;
 use App\Models\Branch;
 use App\Models\Department;
+use App\Models\Organization;
 use App\Models\Patient;
 use App\Models\Practitioner;
 use App\Services\Care\AppointmentService;
+use App\Services\Care\CareFeatures;
+use App\Services\Care\CarePermissions;
 use App\Services\Care\OrganizationResolver;
+use App\Services\Care\Workflow\WorkflowEngine;
+use App\Services\Care\Workflow\WorkflowQueueGate;
+use Illuminate\Database\Eloquent\Collection;
 use Illuminate\Http\RedirectResponse;
 use Illuminate\Http\Request;
 use Illuminate\View\View;
@@ -108,6 +114,11 @@ class AppointmentController extends Controller
             $this->ownerRef($request),
         );
 
+        if (app(CareFeatures::class)->enabled($organization, CareFeatures::WORKFLOW_ENGINE)) {
+            return redirect()->route('care.appointments.show', $appointment)
+                ->with('success', 'Walk-in checked in. Complete the current patient journey stage before Queue release.');
+        }
+
         return redirect()->route('care.queue.index')
             ->with('success', 'Walk-in added to queue.');
     }
@@ -119,16 +130,47 @@ class AppointmentController extends Controller
 
         $appointment->load(['patient', 'practitioner', 'branch', 'department', 'visit', 'consultation']);
 
-        $canManage = app(\App\Services\Care\CarePermissions::class)
+        $canManage = app(CarePermissions::class)
             ->can($this->member($request), 'appointments.manage');
-        $canConsult = app(\App\Services\Care\CarePermissions::class)
+        $canConsult = app(CarePermissions::class)
             ->can($this->member($request), 'consultations.manage');
+        $canViewBills = app(CarePermissions::class)
+            ->can($this->member($request), 'bills.view');
+        $organization = $this->organization($request);
+        $workflowEnabled = $appointment->visit
+            && app(CareFeatures::class)->enabled($organization, CareFeatures::WORKFLOW_ENGINE);
+        $workflowEngine = app(WorkflowEngine::class);
+        $currentAdvance = $workflowEnabled
+            ? $workflowEngine->refreshGate($appointment->visit)
+            : null;
+        $currentObligation = $currentAdvance?->stage
+            ? $appointment->visit->financialObligations()
+                ->where('workflow_stage_id', $currentAdvance->stage->id)
+                ->latest('id')
+                ->first()
+            : null;
+        $canStartConsultation = $canConsult && (! $workflowEnabled || app(WorkflowQueueGate::class)->canRelease(
+            $organization,
+            $appointment->visit,
+            $this->appointments->queueContextFor($organization, $appointment),
+        ));
 
         return view('care.appointments.show', [
             'appointment' => $appointment,
             'statuses' => config('care.appointment_statuses'),
             'canManage' => $canManage,
             'canConsult' => $canConsult,
+            'canViewBills' => $canViewBills,
+            'canStartConsultation' => $canStartConsultation,
+            'workflowEnabled' => $workflowEnabled,
+            'currentAdvance' => $currentAdvance,
+            'currentObligation' => $currentObligation,
+            'workflowHistory' => $workflowEnabled
+                ? $appointment->visit->stageAdvances()->with('stage')->orderBy('id')->get()
+                : collect(),
+            'canAdvanceWorkflow' => $canManage
+                && $workflowEnabled
+                && $workflowEngine->canManuallyAdvance($appointment->visit),
         ]);
     }
 
@@ -137,7 +179,12 @@ class AppointmentController extends Controller
         $this->authorizeAbility($request, 'appointments.manage');
         $this->authorizeAppointment($request, $appointment);
 
-        $this->appointments->checkIn($appointment, $this->ownerRef($request), $this->ownerRef($request));
+        $appointment = $this->appointments->checkIn($appointment, $this->ownerRef($request), $this->ownerRef($request));
+
+        if (app(CareFeatures::class)->enabled($this->organization($request), CareFeatures::WORKFLOW_ENGINE)) {
+            return redirect()->route('care.appointments.show', $appointment)
+                ->with('success', 'Patient checked in. Complete the current patient journey stage before Queue release.');
+        }
 
         return redirect()->route('care.queue.index')
             ->with('success', 'Patient checked in and added to queue.');
@@ -177,7 +224,7 @@ class AppointmentController extends Controller
     /**
      * @return array<string, mixed>
      */
-    protected function formData(Request $request, \App\Models\Organization $organization): array
+    protected function formData(Request $request, Organization $organization): array
     {
         $ownerRef = $this->ownerRef($request);
         $branchQuery = Branch::owned($ownerRef)->where('organization_id', $organization->id)->where('is_active', true);
@@ -214,7 +261,7 @@ class AppointmentController extends Controller
     }
 
     /**
-     * @return \Illuminate\Database\Eloquent\Collection<int, Practitioner>
+     * @return Collection<int, Practitioner>
      */
     protected function activePractitioners(Request $request, int $organizationId)
     {
diff --git a/app/Http/Controllers/Care/ConsultationController.php b/app/Http/Controllers/Care/ConsultationController.php
index 4130c24..1ece089 100644
--- a/app/Http/Controllers/Care/ConsultationController.php
+++ b/app/Http/Controllers/Care/ConsultationController.php
@@ -2,13 +2,14 @@
 
 namespace App\Http\Controllers\Care;
 
-use App\Http\Controllers\Controller;
 use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
+use App\Models\Assessment;
+use App\Models\AssessmentTemplate;
 use App\Models\Consultation;
 use App\Models\InvestigationType;
 use App\Models\Practitioner;
-use App\Models\Assessment;
-use App\Models\AssessmentTemplate;
+use App\Services\Care\AssessmentService;
 use App\Services\Care\CareFeatures;
 use App\Services\Care\CarePermissions;
 use App\Services\Care\ConsultationReturnContext;
@@ -105,7 +106,7 @@ class ConsultationController extends Controller
 
                 if ($universalTemplate) {
                     try {
-                        app(\App\Services\Care\AssessmentService::class)
+                        app(AssessmentService::class)
                             ->assertCaptureAllowed($member, $universalTemplate);
                         $canCaptureUniversal = true;
                     } catch (\Throwable) {
@@ -197,9 +198,9 @@ class ConsultationController extends Controller
 
     public function update(Request $request, Consultation $consultation): RedirectResponse
     {
-        $canManage = app(\App\Services\Care\CarePermissions::class)
+        $canManage = app(CarePermissions::class)
             ->can($this->member($request), 'consultations.manage');
-        $canVitals = app(\App\Services\Care\CarePermissions::class)
+        $canVitals = app(CarePermissions::class)
             ->can($this->member($request), 'vitals.manage');
 
         abort_unless($canManage || $canVitals, 403);
@@ -232,7 +233,7 @@ class ConsultationController extends Controller
         $this->authorizeAbility($request, 'consultations.manage');
         $this->authorizeConsultation($request, $consultation);
 
-        $this->consultations->complete(
+        $completed = $this->consultations->complete(
             $consultation,
             $this->ownerRef($request),
             $this->ownerRef($request),
@@ -240,6 +241,17 @@ class ConsultationController extends Controller
 
         app(ConsultationReturnContext::class)->forget();
 
+        $completed->loadMissing(['appointment.organization']);
+        if ($completed->appointment
+            && $completed->appointment->organization
+            && app(CareFeatures::class)->enabled(
+                $completed->appointment->organization,
+                CareFeatures::WORKFLOW_ENGINE,
+            )) {
+            return redirect()->route('care.appointments.show', $completed->appointment)
+                ->with('success', 'Consultation completed. Continue the patient journey from the next stage.');
+        }
+
         return redirect()->route('care.queue.index')
             ->with('success', 'Consultation completed.');
     }
diff --git a/app/Http/Controllers/Care/FinancialObligationController.php b/app/Http/Controllers/Care/FinancialObligationController.php
new file mode 100644
index 0000000..a86fd8d
--- /dev/null
+++ b/app/Http/Controllers/Care/FinancialObligationController.php
@@ -0,0 +1,205 @@
+<?php
+
+namespace App\Http\Controllers\Care;
+
+use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
+use App\Models\FinancialObligation;
+use App\Models\Payment;
+use App\Models\WorkflowStage;
+use App\Services\Care\AuditLogger;
+use App\Services\Care\BillService;
+use App\Services\Care\CareFeatures;
+use App\Services\Care\CarePermissions;
+use App\Services\Care\CareQueueContexts;
+use App\Services\Care\OrganizationResolver;
+use App\Services\Care\Workflow\FinancialGateService;
+use App\Services\Care\Workflow\WorkflowEngine;
+use App\Services\Care\Workflow\WorkflowQueueReleaseService;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
+use Illuminate\Http\RedirectResponse;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Validation\Rule;
+use Illuminate\Validation\ValidationException;
+use Illuminate\View\View;
+
+class FinancialObligationController extends Controller
+{
+    use ScopesToAccount;
+
+    public function __construct(
+        protected CareFeatures $features,
+        protected FinancialGateService $gates,
+        protected WorkflowEngine $workflows,
+        protected WorkflowQueueReleaseService $queueRelease,
+        protected WorkflowStageCompletionService $workflowCompletion,
+        protected BillService $bills,
+    ) {}
+
+    public function index(Request $request): View
+    {
+        $this->authorizeAbility($request, 'bills.view');
+        $organization = $this->organization($request);
+        abort_unless($this->features->enabled($organization, CareFeatures::WORKFLOW_ENGINE), 404);
+
+        $branchScope = app(OrganizationResolver::class)->branchScope($this->member($request));
+        $status = (string) $request->query('status', FinancialObligation::STATUS_PENDING);
+
+        $obligations = FinancialObligation::owned($this->ownerRef($request))
+            ->where('organization_id', $organization->id)
+            ->when($branchScope, fn ($query) => $query->where('branch_id', $branchScope))
+            ->when($status !== '', fn ($query) => $query->where('status', $status))
+            ->with(['patient', 'branch', 'stage', 'visit', 'bill'])
+            ->latest('created_at')
+            ->paginate(20)
+            ->withQueryString();
+
+        return view('care.financial-obligations.index', [
+            'obligations' => $obligations,
+            'statuses' => config('care_workflows.obligation_statuses', []),
+            'clearanceMethods' => config('care_workflows.clearance_methods', []),
+            'paymentModes' => config('care_workflows.payment_modes', []),
+            'paymentMethods' => collect(config('care.payment_methods', []))->except(['gateway'])->all(),
+            'canClear' => app(CarePermissions::class)
+                ->can($this->member($request), 'payments.manage'),
+        ]);
+    }
+
+    public function clear(Request $request, FinancialObligation $financialObligation): RedirectResponse
+    {
+        $this->authorizeAbility($request, 'payments.manage');
+        $this->authorizeObligation($request, $financialObligation);
+
+        if ($financialObligation->status !== FinancialObligation::STATUS_PENDING) {
+            return back()->with('info', 'This financial obligation is no longer pending.');
+        }
+
+        $manualPaymentMethods = array_keys(
+            collect(config('care.payment_methods', []))->except(['gateway'])->all()
+        );
+        $validated = $request->validate([
+            'method' => ['required', Rule::in(array_keys(config('care_workflows.clearance_methods', [])))],
+            'payment_mode' => ['nullable', Rule::in(array_keys(config('care_workflows.payment_modes', [])))],
+            'payment_method' => ['nullable', Rule::in($manualPaymentMethods)],
+            'reference' => ['nullable', 'string', 'max:100'],
+        ]);
+
+        $stage = $financialObligation->stage;
+        $method = (string) $validated['method'];
+        $paymentMode = $validated['payment_mode'] ?? null;
+        $reference = trim((string) ($validated['reference'] ?? '')) ?: null;
+
+        $this->validateClearanceRules($stage, $method, $paymentMode, $reference);
+        if ($method === 'bank_receipt') {
+            $paymentMode = 'external_bank';
+        }
+
+        $settled = DB::transaction(function () use ($financialObligation, $validated, $method, $paymentMode, $reference, $request) {
+            $locked = FinancialObligation::query()->lockForUpdate()->findOrFail($financialObligation->id);
+            if ($locked->status !== FinancialObligation::STATUS_PENDING) {
+                return $locked;
+            }
+
+            if (in_array($method, ['payment', 'bank_receipt'], true) && $locked->amount_minor > 0) {
+                $bill = $this->bills->billForObligation(
+                    $locked,
+                    $this->ownerRef($request),
+                    $this->ownerRef($request),
+                );
+
+                $this->bills->recordPayment($bill, $this->ownerRef($request), [
+                    'amount_minor' => $locked->amount_minor,
+                    'method' => $method === 'bank_receipt'
+                        ? Payment::METHOD_OTHER
+                        : ($validated['payment_method'] ?? Payment::METHOD_CASH),
+                    'reference' => $reference,
+                    'notes' => 'Workflow financial obligation '.$locked->uuid,
+                ], $this->ownerRef($request));
+            }
+
+            $this->gates->clear(
+                $locked,
+                $method,
+                $this->ownerRef($request),
+                $paymentMode,
+                $reference,
+            );
+
+            AuditLogger::record(
+                $this->ownerRef($request),
+                'financial_obligation.cleared',
+                $locked->organization_id,
+                $this->ownerRef($request),
+                FinancialObligation::class,
+                $locked->id,
+                ['method' => $method, 'amount_minor' => $locked->amount_minor],
+            );
+
+            return $locked->fresh();
+        });
+
+        $visit = $settled->visit;
+        if ($visit) {
+            $advance = $this->workflows->refreshGate($visit);
+            if ($advance?->stage?->type === 'payment') {
+                $this->workflowCompletion->complete(
+                    $this->organization($request),
+                    $visit,
+                    CareQueueContexts::BILLING,
+                    $this->ownerRef($request),
+                    $this->ownerRef($request),
+                );
+            } else {
+                $this->queueRelease->releaseCurrent($this->organization($request), $visit);
+            }
+        }
+
+        return back()->with('success', 'Financial obligation cleared. The patient may now continue.');
+    }
+
+    protected function validateClearanceRules(?WorkflowStage $stage, string $method, ?string $paymentMode, ?string $reference): void
+    {
+        if ($method === 'insurance' && ! $stage?->insurance_eligible) {
+            throw ValidationException::withMessages(['method' => 'Insurance is not allowed for this stage.']);
+        }
+
+        if ($method === 'credit' && ! $stage?->credit_allowed) {
+            throw ValidationException::withMessages(['method' => 'Credit is not allowed for this stage.']);
+        }
+
+        if (in_array($method, ['waiver', 'override'], true) && ! $stage?->allow_override) {
+            throw ValidationException::withMessages(['method' => 'Waivers and overrides are not allowed for this stage.']);
+        }
+
+        if ($method === 'bank_receipt' && $reference === null) {
+            throw ValidationException::withMessages(['reference' => 'Enter the external bank receipt or slip number.']);
+        }
+
+        if ($method === 'bank_receipt' && $stage && ! in_array('external_bank', (array) $stage->payment_modes, true)) {
+            throw ValidationException::withMessages(['method' => 'External bank receipts are not allowed for this stage.']);
+        }
+
+        if ($method === 'payment') {
+            $allowedModes = (array) ($stage?->payment_modes ?? []);
+            if ($paymentMode === null || ($allowedModes !== [] && ! in_array($paymentMode, $allowedModes, true))) {
+                throw ValidationException::withMessages(['payment_mode' => 'Select a payment mode allowed for this stage.']);
+            }
+
+            if ($paymentMode === 'external_bank') {
+                throw ValidationException::withMessages(['method' => 'Use external bank receipt verification for bank payments.']);
+            }
+        }
+    }
+
+    protected function authorizeObligation(Request $request, FinancialObligation $obligation): void
+    {
+        $this->authorizeOwner($request, $obligation);
+        abort_unless($obligation->organization_id === $this->organization($request)->id, 404);
+
+        $branchId = app(OrganizationResolver::class)->branchScope($this->member($request));
+        if ($branchId !== null && $obligation->branch_id !== $branchId) {
+            abort(404);
+        }
+    }
+}
diff --git a/app/Http/Controllers/Care/QueueController.php b/app/Http/Controllers/Care/QueueController.php
index 7e89718..4a70236 100644
--- a/app/Http/Controllers/Care/QueueController.php
+++ b/app/Http/Controllers/Care/QueueController.php
@@ -2,12 +2,13 @@
 
 namespace App\Http\Controllers\Care;
 
-use App\Http\Controllers\Controller;
 use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
 use App\Models\Appointment;
 use App\Models\Branch;
 use App\Models\Practitioner;
 use App\Services\Care\AppointmentService;
+use App\Services\Care\CarePermissions;
 use App\Services\Care\CareQueueBridge;
 use App\Services\Care\CareQueueContexts;
 use App\Services\Care\ConsultationService;
@@ -63,9 +64,9 @@ class QueueController extends Controller
             ->orderBy('started_at')
             ->get();
 
-        $canManageQueue = app(\App\Services\Care\CarePermissions::class)
+        $canManageQueue = app(CarePermissions::class)
             ->can($this->member($request), 'queue.manage');
-        $canConsult = app(\App\Services\Care\CarePermissions::class)
+        $canConsult = app(CarePermissions::class)
             ->can($this->member($request), 'consultations.manage');
 
         $heroStats = [
@@ -162,12 +163,16 @@ class QueueController extends Controller
             ? (int) $request->input('practitioner_id')
             : $appointment->practitioner_id;
 
-        $this->appointments->startConsultation(
-            $appointment,
-            $this->ownerRef($request),
-            $practitionerId,
-            $this->ownerRef($request),
-        );
+        try {
+            $this->appointments->startConsultation(
+                $appointment,
+                $this->ownerRef($request),
+                $practitionerId,
+                $this->ownerRef($request),
+            );
+        } catch (\InvalidArgumentException $e) {
+            return back()->with('error', $e->getMessage());
+        }
 
         $consultation = $this->consultations->startFromAppointment(
             $appointment->fresh(),
diff --git a/app/Http/Controllers/Care/SettingsController.php b/app/Http/Controllers/Care/SettingsController.php
index 7eb39ff..c61c02e 100644
--- a/app/Http/Controllers/Care/SettingsController.php
+++ b/app/Http/Controllers/Care/SettingsController.php
@@ -2,9 +2,12 @@
 
 namespace App\Http\Controllers\Care;
 
-use App\Http\Controllers\Controller;
 use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
 use App\Models\Branch;
+use App\Models\Organization;
+use App\Services\Billing\PlatformEmailClient;
+use App\Services\Billing\PlatformSmsClient;
 use App\Services\Care\AppointmentPatientNotifier;
 use App\Services\Care\AuditLogger;
 use App\Services\Care\CareFeatures;
@@ -13,8 +16,8 @@ use App\Services\Care\CareQueueBridge;
 use App\Services\Care\CareQueueContexts;
 use App\Services\Care\CareQueueProvisioner;
 use App\Services\Care\PlanService;
-use App\Services\Billing\PlatformEmailClient;
-use App\Services\Billing\PlatformSmsClient;
+use App\Services\Care\Workflow\WorkflowTemplateInstaller;
+use App\Services\Care\Workflow\WorkflowTemplateRegistry;
 use App\Services\Messaging\MessagingCredentialsService;
 use App\Services\Queue\QueueClient;
 use App\Support\OrganizationBranding;
@@ -63,18 +66,16 @@ class SettingsController extends Controller
             'canUseQueueIntegration' => $plans->canUseQueueIntegration($organization),
             'canUseSpecialtyModules' => $plans->canUseSpecialtyModules($organization),
             'assessmentsEngineEnabled' => $careFeatures->enabled($organization, CareFeatures::ASSESSMENTS_ENGINE),
+            'workflowEngineEnabled' => $careFeatures->enabled($organization, CareFeatures::WORKFLOW_ENGINE),
+            'financialGatesEnabled' => $careFeatures->enabled($organization, CareFeatures::FINANCIAL_GATES),
+            'hasBillingFeature' => $plans->hasFeature($organization, 'billing'),
             'messagingSmsReady' => $suiteSmsReady || $credential->hasValidSms(),
             'messagingEmailReady' => $suiteEmailReady || $credential->hasValidBird(),
             'suiteMessagingReady' => $suiteEmailReady || $suiteSmsReady,
             'messagingSettingsUrl' => function_exists('ladill_account_url')
                 ? ladill_account_url('/account/settings/messaging')
                 : (string) config('smtp.messaging_settings_url', 'https://account.ladill.com/account/settings/messaging'),
-            'facilityTypes' => [
-                'clinic' => 'Clinic',
-                'hospital' => 'Hospital',
-                'diagnostic' => 'Diagnostic laboratory',
-                'specialist' => 'Specialist practice',
-            ],
+            'facilityTypes' => app(WorkflowTemplateRegistry::class)->categoryOptions(),
         ]);
     }
 
@@ -88,11 +89,17 @@ class SettingsController extends Controller
         $validated = $request->validate([
             'name' => ['required', 'string', 'max:255'],
             'timezone' => ['required', 'timezone'],
-            'facility_type' => ['required', 'string', 'in:clinic,hospital,diagnostic,specialist'],
+            'facility_type' => [
+                'required',
+                'string',
+                'in:'.implode(',', array_keys(app(WorkflowTemplateRegistry::class)->categories())),
+            ],
             'logo' => ['nullable', 'image', 'mimes:jpeg,png,jpg,webp,svg', 'max:2048'],
             'remove_logo' => ['nullable', 'boolean'],
             'queue_integration_enabled' => ['nullable', 'boolean'],
             'assessments_engine' => ['nullable', 'boolean'],
+            'workflow_engine' => ['nullable', 'boolean'],
+            'financial_gates' => ['nullable', 'boolean'],
             'notify_appointment_booked_sms' => ['nullable', 'boolean'],
             'notify_appointment_booked_email' => ['nullable', 'boolean'],
             'notify_video_scheduled_sms' => ['nullable', 'boolean'],
@@ -102,10 +109,17 @@ class SettingsController extends Controller
         $settings = $organization->settings ?? [];
         $settings['onboarded'] = true;
         $settings['facility_type'] = $validated['facility_type'];
+        $settings['facility_category'] = $validated['facility_type'];
+        $settings['modules'] = app(WorkflowTemplateRegistry::class)
+            ->modulesForCategory($validated['facility_type']);
 
         $rollout = is_array($settings['rollout'] ?? null) ? $settings['rollout'] : [];
         // Explicit save so opt-out is stored (engine defaults ON when unset).
         $rollout[CareFeatures::ASSESSMENTS_ENGINE] = $request->boolean('assessments_engine');
+        $rollout[CareFeatures::WORKFLOW_ENGINE] = $request->boolean('workflow_engine');
+        $rollout[CareFeatures::FINANCIAL_GATES] = $request->boolean('financial_gates')
+            && $rollout[CareFeatures::WORKFLOW_ENGINE]
+            && $plans->hasFeature($organization, 'billing');
         $settings['rollout'] = $rollout;
         if ($rollout[CareFeatures::ASSESSMENTS_ENGINE]) {
             app(CareFeatures::class)->ensureAssessmentCatalog();
@@ -155,6 +169,21 @@ class SettingsController extends Controller
             'settings' => $settings,
         ]);
 
+        if ($rollout[CareFeatures::WORKFLOW_ENGINE] && ! $organization->facilityWorkflows()->where('is_active', true)->exists()) {
+            $branch = Branch::owned($owner)
+                ->where('organization_id', $organization->id)
+                ->orderBy('id')
+                ->first();
+            if ($branch) {
+                app(WorkflowTemplateInstaller::class)->install(
+                    $organization->fresh(),
+                    $branch,
+                    (string) ($settings['workflow_template'] ?? config('care_workflows.default_template', 'legacy_clinic')),
+                    ['category' => $settings['facility_category'] ?? $settings['facility_type'] ?? 'clinic'],
+                );
+            }
+        }
+
         if ($wantsQueue && $queue->configured()) {
             try {
                 $organization = $organization->fresh();
@@ -178,7 +207,7 @@ class SettingsController extends Controller
             }
         }
 
-        AuditLogger::record($owner, 'organization.updated', $organization->id, $owner, \App\Models\Organization::class, $organization->id);
+        AuditLogger::record($owner, 'organization.updated', $organization->id, $owner, Organization::class, $organization->id);
 
         return back()->with('success', 'Settings saved.');
     }
diff --git a/app/Http/Controllers/Care/VisitWorkflowController.php b/app/Http/Controllers/Care/VisitWorkflowController.php
new file mode 100644
index 0000000..265b7bd
--- /dev/null
+++ b/app/Http/Controllers/Care/VisitWorkflowController.php
@@ -0,0 +1,81 @@
+<?php
+
+namespace App\Http\Controllers\Care;
+
+use App\Http\Controllers\Care\Concerns\ScopesToAccount;
+use App\Http\Controllers\Controller;
+use App\Models\Visit;
+use App\Models\VisitStageAdvance;
+use App\Services\Care\AuditLogger;
+use App\Services\Care\CareFeatures;
+use App\Services\Care\OrganizationResolver;
+use App\Services\Care\Workflow\WorkflowEngine;
+use App\Services\Care\Workflow\WorkflowQueueReleaseService;
+use Illuminate\Http\RedirectResponse;
+use Illuminate\Http\Request;
+
+class VisitWorkflowController extends Controller
+{
+    use ScopesToAccount;
+
+    public function __construct(
+        protected CareFeatures $features,
+        protected WorkflowEngine $workflows,
+        protected WorkflowQueueReleaseService $queueRelease,
+    ) {}
+
+    public function advance(Request $request, Visit $visit): RedirectResponse
+    {
+        $this->authorizeAbility($request, 'appointments.manage');
+        $this->authorizeVisit($request, $visit);
+        $organization = $this->organization($request);
+        abort_unless($this->features->enabled($organization, CareFeatures::WORKFLOW_ENGINE), 404);
+
+        $validated = $request->validate([
+            'to_code' => ['nullable', 'string', 'max:100'],
+        ]);
+
+        if (! $this->workflows->canManuallyAdvance($visit)) {
+            return back()->with('error', 'Complete this clinical service from its own workspace before advancing the visit.');
+        }
+
+        try {
+            $advance = $this->workflows->advance($visit, $validated['to_code'] ?? null);
+        } catch (\DomainException $e) {
+            return back()->with('error', $e->getMessage());
+        }
+
+        if ($advance === null) {
+            return back()->with('info', 'This visit has no next workflow stage.');
+        }
+
+        AuditLogger::record(
+            $this->ownerRef($request),
+            'visit.workflow_advanced',
+            $visit->organization_id,
+            $this->ownerRef($request),
+            VisitStageAdvance::class,
+            $advance->id,
+            ['stage_code' => $advance->stage_code, 'status' => $advance->status],
+        );
+
+        $this->queueRelease->releaseCurrent($organization, $visit);
+
+        $message = $advance->isBlocked()
+            ? "Visit moved to {$advance->stage?->name}; financial clearance is required before service."
+            : "Visit moved to {$advance->stage?->name}.";
+
+        return back()->with($advance->isBlocked() ? 'warning' : 'success', $message);
+    }
+
+    protected function authorizeVisit(Request $request, Visit $visit): void
+    {
+        $this->authorizeOwner($request, $visit);
+        abort_unless($visit->organization_id === $this->organization($request)->id, 404);
+
+        $branchId = app(OrganizationResolver::class)->branchScope($this->member($request));
+        if ($branchId !== null && $visit->branch_id !== $branchId) {
+            abort(404);
+        }
+    }
+}
diff --git a/app/Models/Appointment.php b/app/Models/Appointment.php
index 7ea2df8..552d6a3 100644
--- a/app/Models/Appointment.php
+++ b/app/Models/Appointment.php
@@ -101,7 +101,7 @@ class Appointment extends Model
 
     public function consultation(): HasOne
     {
-        return $this->hasOne(Consultation::class, 'appointment_id');
+        return $this->hasOne(Consultation::class, 'appointment_id')->latestOfMany();
     }
 
     /** @return list<string> */
diff --git a/app/Models/FinancialObligation.php b/app/Models/FinancialObligation.php
index 9c3353b..f15d1c2 100644
--- a/app/Models/FinancialObligation.php
+++ b/app/Models/FinancialObligation.php
@@ -69,6 +69,16 @@ class FinancialObligation extends Model
         return $this->belongsTo(Visit::class, 'visit_id');
     }
 
+    public function organization(): BelongsTo
+    {
+        return $this->belongsTo(Organization::class, 'organization_id');
+    }
+
+    public function branch(): BelongsTo
+    {
+        return $this->belongsTo(Branch::class, 'branch_id');
+    }
+
     public function patient(): BelongsTo
     {
         return $this->belongsTo(Patient::class, 'patient_id');
diff --git a/app/Models/Organization.php b/app/Models/Organization.php
index 9951b5f..43bac66 100644
--- a/app/Models/Organization.php
+++ b/app/Models/Organization.php
@@ -31,4 +31,14 @@ class Organization extends Model
     {
         return $this->hasMany(Member::class, 'organization_id');
     }
+
+    public function facilityWorkflows(): HasMany
+    {
+        return $this->hasMany(FacilityWorkflow::class, 'organization_id');
+    }
+
+    public function financialObligations(): HasMany
+    {
+        return $this->hasMany(FinancialObligation::class, 'organization_id');
+    }
 }
diff --git a/app/Models/Visit.php b/app/Models/Visit.php
index 06f928f..db054d9 100644
--- a/app/Models/Visit.php
+++ b/app/Models/Visit.php
@@ -88,4 +88,14 @@ class Visit extends Model
     {
         return $this->hasMany(Bill::class, 'visit_id');
     }
+
+    public function stageAdvances(): HasMany
+    {
+        return $this->hasMany(VisitStageAdvance::class, 'visit_id');
+    }
+
+    public function financialObligations(): HasMany
+    {
+        return $this->hasMany(FinancialObligation::class, 'visit_id');
+    }
 }
diff --git a/app/Models/WorkflowStage.php b/app/Models/WorkflowStage.php
index 135c9cc..c7bfd56 100644
--- a/app/Models/WorkflowStage.php
+++ b/app/Models/WorkflowStage.php
@@ -5,6 +5,7 @@ namespace App\Models;
 use App\Models\Concerns\BelongsToOwner;
 use Illuminate\Database\Eloquent\Model;
 use Illuminate\Database\Eloquent\Relations\BelongsTo;
+use Illuminate\Database\Eloquent\Relations\HasMany;
 use Illuminate\Support\Str;
 
 class WorkflowStage extends Model
@@ -60,6 +61,16 @@ class WorkflowStage extends Model
         return $this->belongsTo(FacilityWorkflow::class, 'workflow_id');
     }
 
+    public function advances(): HasMany
+    {
+        return $this->hasMany(VisitStageAdvance::class, 'workflow_stage_id');
+    }
+
+    public function financialObligations(): HasMany
+    {
+        return $this->hasMany(FinancialObligation::class, 'workflow_stage_id');
+    }
+
     /** Whether entering this stage's service queue is gated on a cleared obligation. */
     public function gatesBeforeService(): bool
     {
diff --git a/app/Services/Care/AppointmentService.php b/app/Services/Care/AppointmentService.php
index c400da7..34da2c9 100644
--- a/app/Services/Care/AppointmentService.php
+++ b/app/Services/Care/AppointmentService.php
@@ -6,6 +6,8 @@ use App\Models\Appointment;
 use App\Models\Organization;
 use App\Models\Patient;
 use App\Models\Visit;
+use App\Services\Care\Workflow\WorkflowQueueGate;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
 use App\Services\Meet\MeetClient;
 use Illuminate\Contracts\Pagination\LengthAwarePaginator;
 use Illuminate\Database\Eloquent\Builder;
@@ -20,8 +22,15 @@ class AppointmentService
         protected VisitService $visits,
         protected AppointmentPatientNotifier $notifier,
         protected CareQueueBridge $queueBridge,
+        protected WorkflowQueueGate $workflowGate,
+        protected WorkflowStageCompletionService $workflowCompletion,
     ) {}
 
+    public function queueContextFor(Organization $organization, Appointment $appointment): string
+    {
+        return $this->queueBridge->contextForAppointment($organization, $appointment);
+    }
+
     public function queryForOrganization(string $ownerRef, int $organizationId): Builder
     {
         return Appointment::owned($ownerRef)->where('organization_id', $organizationId);
@@ -67,7 +76,7 @@ class AppointmentService
         $query = Appointment::owned($ownerRef)
             ->where('branch_id', $branchId)
             ->whereIn('status', [Appointment::STATUS_WAITING, Appointment::STATUS_CHECKED_IN])
-            ->with(['patient', 'practitioner'])
+            ->with(['patient', 'practitioner', 'visit', 'organization'])
             ->orderBy('queue_position')
             ->orderBy('waiting_at')
             ->orderBy('checked_in_at');
@@ -78,7 +87,20 @@ class AppointmentService
             });
         }
 
-        return $query->get();
+        return $query->get()
+            ->filter(function (Appointment $appointment) {
+                $organization = $appointment->organization;
+                if (! $organization) {
+                    return true;
+                }
+
+                return $this->workflowGate->canRelease(
+                    $organization,
+                    $appointment->visit,
+                    $this->queueBridge->contextForAppointment($organization, $appointment),
+                );
+            })
+            ->values();
     }
 
     /**
@@ -218,6 +240,15 @@ class AppointmentService
             $appointment->update(['visit_id' => $visit->id, 'checked_in_at' => now()]);
         }
 
+        $appointment->loadMissing(['organization', 'visit']);
+        if ($appointment->organization && ! $this->workflowGate->canRelease(
+            $appointment->organization,
+            $appointment->visit,
+            $this->queueBridge->contextForAppointment($appointment->organization, $appointment),
+        )) {
+            throw new InvalidArgumentException('This visit has not reached a financially cleared consultation stage.');
+        }
+
         $appointment->visit->update(['status' => Visit::STATUS_IN_PROGRESS]);
 
         $appointment->update([
@@ -245,9 +276,11 @@ class AppointmentService
             'completed_at' => now(),
         ]);
 
-        if ($appointment->visit) {
-            $this->visits->complete($appointment->visit, $ownerRef, $actorRef);
-        }
+        $visit = $appointment->visit;
+        $organization = $appointment->organization;
+        $workflowEnabled = $visit
+            && $organization
+            && $this->workflowGate->enabled($organization);
 
         AuditLogger::record($ownerRef, 'appointment.completed', $appointment->organization_id, $actorRef, Appointment::class, $appointment->id);
 
@@ -256,6 +289,18 @@ class AppointmentService
             $this->queueBridge->complete($appointment->organization, $appointment);
         }
 
+        if ($workflowEnabled && $visit && $organization) {
+            $this->workflowCompletion->complete(
+                $organization,
+                $visit,
+                $this->queueBridge->contextForAppointment($organization, $appointment),
+                $ownerRef,
+                $actorRef,
+            );
+        } elseif ($visit) {
+            $this->visits->complete($visit, $ownerRef, $actorRef);
+        }
+
         return $appointment->fresh(['patient', 'practitioner', 'visit']);
     }
 
diff --git a/app/Services/Care/BillService.php b/app/Services/Care/BillService.php
index bd5b0cd..e1d22cc 100644
--- a/app/Services/Care/BillService.php
+++ b/app/Services/Care/BillService.php
@@ -4,12 +4,14 @@ namespace App\Services\Care;
 
 use App\Models\Bill;
 use App\Models\BillLineItem;
+use App\Models\FinancialObligation;
 use App\Models\InvestigationRequest;
 use App\Models\Organization;
 use App\Models\Payment;
 use App\Models\Prescription;
 use App\Models\User;
 use App\Models\Visit;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
 use App\Services\Payments\MerchantGatewayService;
 use Illuminate\Contracts\Pagination\LengthAwarePaginator;
 use Illuminate\Database\Eloquent\Builder;
@@ -23,6 +25,7 @@ class BillService
         protected InvoiceNumberGenerator $invoices,
         protected MerchantGatewayService $gateway,
         protected CareQueueBridge $queueBridge,
+        protected WorkflowStageCompletionService $workflowCompletion,
     ) {}
 
     public function queryForOrganization(string $ownerRef, int $organizationId): Builder
@@ -90,6 +93,63 @@ class BillService
         return $bill->fresh(['lineItems', 'patient', 'payments']);
     }
 
+    /**
+     * Attach a workflow charge intent to an editable visit bill. A later stage
+     * may create a new bill when the previous encounter bill is already paid.
+     */
+    public function billForObligation(FinancialObligation $obligation, string $ownerRef, ?string $actorRef = null): Bill
+    {
+        if ($obligation->bill_id) {
+            $linked = Bill::query()->find($obligation->bill_id);
+            if ($linked) {
+                return $linked;
+            }
+        }
+
+        $visit = $obligation->visit()->with(['organization', 'patient'])->firstOrFail();
+        $bill = Bill::owned($ownerRef)
+            ->where('visit_id', $visit->id)
+            ->whereIn('status', [Bill::STATUS_DRAFT, Bill::STATUS_OPEN, Bill::STATUS_PARTIAL])
+            ->latest('id')
+            ->first();
+
+        if (! $bill) {
+            $bill = Bill::create([
+                'owner_ref' => $ownerRef,
+                'organization_id' => $visit->organization_id,
+                'branch_id' => $visit->branch_id,
+                'visit_id' => $visit->id,
+                'patient_id' => $visit->patient_id,
+                'invoice_number' => $this->invoices->generate($visit->organization),
+                'status' => Bill::STATUS_OPEN,
+                'created_by' => $actorRef,
+            ]);
+
+            AuditLogger::record($ownerRef, 'bill.created', $visit->organization_id, $actorRef, Bill::class, $bill->id);
+        }
+
+        $exists = $bill->lineItems()
+            ->where('source_type', FinancialObligation::class)
+            ->where('source_id', $obligation->id)
+            ->exists();
+
+        if (! $exists) {
+            $this->addLineItem($bill, $ownerRef, [
+                'type' => $this->lineTypeForCharge($obligation->charge_code),
+                'description' => $obligation->label ?? 'Workflow charge',
+                'quantity' => 1,
+                'unit_price_minor' => $obligation->amount_minor,
+                'source_type' => FinancialObligation::class,
+                'source_id' => $obligation->id,
+            ]);
+            $this->recalculate($bill);
+        }
+
+        $obligation->forceFill(['bill_id' => $bill->id])->save();
+
+        return $bill->fresh(['lineItems', 'payments', 'patient']);
+    }
+
     public function syncLineItemsFromVisit(Bill $bill, string $ownerRef, ?string $actorRef = null): Bill
     {
         if (in_array($bill->status, [Bill::STATUS_PAID, Bill::STATUS_VOID], true)) {
@@ -98,9 +158,19 @@ class BillService
 
         $visit = $bill->visit()->with(['consultations'])->firstOrFail();
 
-        $bill->lineItems()->whereNotNull('source_type')->delete();
+        $bill->lineItems()
+            ->whereNotNull('source_type')
+            ->where('source_type', '!=', FinancialObligation::class)
+            ->delete();
 
-        if ($visit->consultations()->where('status', 'completed')->exists()) {
+        $workflowChargeCodes = FinancialObligation::query()
+            ->where('bill_id', $bill->id)
+            ->pluck('charge_code')
+            ->filter()
+            ->all();
+
+        if (! in_array('consultation', $workflowChargeCodes, true)
+            && $visit->consultations()->where('status', 'completed')->exists()) {
             $fee = (int) config('care.billing.consultation_fee_minor', 5000);
             $this->addLineItem($bill, $ownerRef, [
                 'type' => 'consultation',
@@ -117,9 +187,18 @@ class BillService
             ->whereIn('status', [InvestigationRequest::STATUS_COMPLETED, InvestigationRequest::STATUS_DELIVERED])
             ->with('investigationType')
             ->get()
-            ->each(function (InvestigationRequest $request) use ($bill, $ownerRef) {
+            ->each(function (InvestigationRequest $request) use ($bill, $ownerRef, $workflowChargeCodes) {
+                $chargeCode = in_array(
+                    $request->investigationType?->category,
+                    ['xray', 'ultrasound', 'ct', 'mri'],
+                    true,
+                ) ? 'imaging' : 'lab';
+                if (in_array($chargeCode, $workflowChargeCodes, true)) {
+                    return;
+                }
+
                 $this->addLineItem($bill, $ownerRef, [
-                    'type' => 'lab',
+                    'type' => $chargeCode,
                     'description' => $request->investigationType->name,
                     'quantity' => 1,
                     'unit_price_minor' => $request->investigationType->price_minor,
@@ -133,7 +212,11 @@ class BillService
             ->where('status', Prescription::STATUS_DISPENSED)
             ->with('items.drug')
             ->get()
-            ->each(function (Prescription $rx) use ($bill, $ownerRef) {
+            ->each(function (Prescription $rx) use ($bill, $ownerRef, $workflowChargeCodes) {
+                if (in_array('pharmacy', $workflowChargeCodes, true)) {
+                    return;
+                }
+
                 foreach ($rx->items as $item) {
                     if ($item->is_procedure) {
                         $this->addLineItem($bill, $ownerRef, [
@@ -167,6 +250,21 @@ class BillService
         return $bill->fresh(['lineItems', 'payments', 'patient']);
     }
 
+    protected function lineTypeForCharge(?string $chargeCode): string
+    {
+        $candidate = match ($chargeCode) {
+            'consultation' => 'consultation',
+            'lab' => 'lab',
+            'imaging' => 'imaging',
+            'pharmacy' => 'pharmacy',
+            default => 'misc',
+        };
+
+        return array_key_exists($candidate, (array) config('care.bill_line_types', []))
+            ? $candidate
+            : 'misc';
+    }
+
     /**
      * @param  array<string, mixed>  $data
      */
@@ -472,6 +570,16 @@ class BillService
             $organization = Organization::query()->find($bill->organization_id);
             if ($organization) {
                 $this->queueBridge->complete($organization, $bill);
+                $visit = $bill->visit;
+                if ($visit) {
+                    $this->workflowCompletion->complete(
+                        $organization,
+                        $visit,
+                        CareQueueContexts::BILLING,
+                        (string) $bill->owner_ref,
+                        $bill->payments()->latest('id')->value('recorded_by'),
+                    );
+                }
             }
         }
     }
diff --git a/app/Services/Care/CareQueueBridge.php b/app/Services/Care/CareQueueBridge.php
index 36fd6f2..00f8619 100644
--- a/app/Services/Care/CareQueueBridge.php
+++ b/app/Services/Care/CareQueueBridge.php
@@ -8,7 +8,9 @@ use App\Models\InvestigationRequest;
 use App\Models\Member;
 use App\Models\Organization;
 use App\Models\Patient;
+use App\Models\Practitioner;
 use App\Models\Prescription;
+use App\Services\Care\Workflow\WorkflowQueueGate;
 use App\Services\Queue\QueueClient;
 use Illuminate\Database\Eloquent\Model;
 use Illuminate\Http\Client\RequestException;
@@ -25,6 +27,7 @@ class CareQueueBridge
         protected CareQueueProvisioner $provisioner,
         protected PlanService $plans,
         protected SpecialtyModuleService $specialties,
+        protected WorkflowQueueGate $workflowGate,
     ) {}
 
     public function isEnabled(Organization $organization): bool
@@ -57,7 +60,12 @@ class CareQueueBridge
             return $appointment;
         }
 
+        $appointment->loadMissing('visit');
         $context = $this->contextForAppointment($organization, $appointment);
+        if (! $this->workflowGate->canRelease($organization, $appointment->visit, $context)) {
+            return $appointment;
+        }
+
         $point = $this->resolveConsultationPoint($organization, $appointment);
 
         if (CareQueueContexts::usesAssignedRouting($context) && ! $point) {
@@ -104,6 +112,10 @@ class CareQueueBridge
         }
 
         $prescription->loadMissing(['patient', 'visit']);
+        if (! $this->workflowGate->canRelease($organization, $prescription->visit, CareQueueContexts::PHARMACY)) {
+            return $prescription;
+        }
+
         $branchId = (int) ($prescription->visit?->branch_id ?? 0);
         if ($branchId < 1) {
             return $prescription;
@@ -139,10 +151,15 @@ class CareQueueBridge
             return $request;
         }
 
-        $request->loadMissing('patient');
+        $request->loadMissing(['patient', 'visit', 'investigationType']);
+        $context = $this->contextForInvestigation($request);
+        if (! $this->workflowGate->canRelease($organization, $request->visit, $context)) {
+            return $request;
+        }
+
         $ticket = $this->issue(
             $organization,
-            CareQueueContexts::LABORATORY,
+            $context,
             (int) $request->branch_id,
             $request->patient,
             [
@@ -164,6 +181,15 @@ class CareQueueBridge
         return $request->fresh();
     }
 
+    public function contextForInvestigation(InvestigationRequest $request): string
+    {
+        $request->loadMissing('investigationType');
+
+        return in_array($request->investigationType?->category, ['xray', 'ultrasound', 'ct', 'mri'], true)
+            ? CareQueueContexts::IMAGING
+            : CareQueueContexts::LABORATORY;
+    }
+
     public function issueForBill(Organization $organization, Bill $bill): ?Bill
     {
         if (! $this->isEnabled($organization) || filled($bill->queue_ticket_uuid)) {
@@ -174,7 +200,11 @@ class CareQueueBridge
             return $bill;
         }
 
-        $bill->loadMissing('patient');
+        $bill->loadMissing(['patient', 'visit']);
+        if (! $this->workflowGate->canRelease($organization, $bill->visit, CareQueueContexts::BILLING)) {
+            return $bill;
+        }
+
         $ticket = $this->issue(
             $organization,
             CareQueueContexts::BILLING,
@@ -209,7 +239,8 @@ class CareQueueBridge
         }
 
         // Lab/imaging completion → return-to-doctor consultation ticket when practitioner known.
-        if ($fromContext === CareQueueContexts::LABORATORY && $entity instanceof InvestigationRequest) {
+        if (in_array($fromContext, [CareQueueContexts::LABORATORY, CareQueueContexts::IMAGING], true)
+            && $entity instanceof InvestigationRequest) {
             $entity->loadMissing(['patient', 'practitioner', 'visit']);
             $appointment = Appointment::owned($organization->owner_ref)
                 ->where('organization_id', $organization->id)
@@ -243,7 +274,7 @@ class CareQueueBridge
 
         return match (true) {
             $context === CareQueueContexts::PHARMACY => $this->syncMissingPrescriptions($organization, $branchId, $limit),
-            $context === CareQueueContexts::LABORATORY => $this->syncMissingInvestigations($organization, $branchId, $limit),
+            in_array($context, [CareQueueContexts::LABORATORY, CareQueueContexts::IMAGING], true) => $this->syncMissingInvestigations($organization, $context, $branchId, $limit),
             $context === CareQueueContexts::BILLING => $this->syncMissingBills($organization, $branchId, $limit),
             default => $this->syncMissingAppointments($organization, $context, $branchId, $limit),
         };
@@ -418,7 +449,7 @@ class CareQueueBridge
                     );
             }
             if ($member && $member->role === 'doctor') {
-                $prac = \App\Models\Practitioner::owned($organization->owner_ref)
+                $prac = Practitioner::owned($organization->owner_ref)
                     ->where('organization_id', $organization->id)
                     ->where('branch_id', $branchId)
                     ->where(function ($q) use ($member) {
@@ -569,7 +600,7 @@ class CareQueueBridge
                 ->where('organization_id', $organization->id)
                 ->where('queue_ticket_uuid', $ticketUuid)
                 ->first(),
-            $context === CareQueueContexts::LABORATORY => InvestigationRequest::owned($owner)
+            in_array($context, [CareQueueContexts::LABORATORY, CareQueueContexts::IMAGING], true) => InvestigationRequest::owned($owner)
                 ->where('organization_id', $organization->id)
                 ->where('queue_ticket_uuid', $ticketUuid)
                 ->first(),
@@ -643,7 +674,7 @@ class CareQueueBridge
         return $issued;
     }
 
-    protected function syncMissingInvestigations(Organization $organization, int $branchId, int $limit): int
+    protected function syncMissingInvestigations(Organization $organization, string $context, int $branchId, int $limit): int
     {
         $owner = (string) $organization->owner_ref;
         $requests = InvestigationRequest::owned($owner)
@@ -657,13 +688,17 @@ class CareQueueBridge
             ->where(function ($q) {
                 $q->whereNull('queue_ticket_uuid')->orWhere('queue_ticket_uuid', '');
             })
-            ->with('patient')
+            ->with(['patient', 'visit', 'investigationType'])
             ->orderBy('id')
             ->limit($limit)
             ->get();
 
         $issued = 0;
         foreach ($requests as $request) {
+            if ($this->contextForInvestigation($request) !== $context) {
+                continue;
+            }
+
             $updated = $this->issueForInvestigation($organization, $request);
             if ($updated && filled($updated->queue_ticket_uuid)) {
                 $issued++;
diff --git a/app/Services/Care/ConsultationService.php b/app/Services/Care/ConsultationService.php
index 6d217aa..d1a85f0 100644
--- a/app/Services/Care/ConsultationService.php
+++ b/app/Services/Care/ConsultationService.php
@@ -7,7 +7,6 @@ use App\Models\Consultation;
 use App\Models\ConsultationDocument;
 use App\Models\Diagnosis;
 use App\Models\VitalSign;
-use App\Models\Visit;
 use Illuminate\Http\UploadedFile;
 
 class ConsultationService
@@ -28,7 +27,10 @@ class ConsultationService
             $appointment->refresh();
         }
 
-        $existing = Consultation::where('appointment_id', $appointment->id)->first();
+        $existing = Consultation::where('appointment_id', $appointment->id)
+            ->where('status', '!=', Consultation::STATUS_COMPLETED)
+            ->latest('id')
+            ->first();
         if ($existing) {
             return $existing->load(['vitalSigns', 'diagnoses', 'documents', 'patient', 'practitioner']);
         }
diff --git a/app/Services/Care/DemoTenantSeeder.php b/app/Services/Care/DemoTenantSeeder.php
index 11cb379..d452553 100644
--- a/app/Services/Care/DemoTenantSeeder.php
+++ b/app/Services/Care/DemoTenantSeeder.php
@@ -29,6 +29,7 @@ use App\Models\Visit;
 use App\Models\VitalSign;
 use App\Support\DemoWorld;
 use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Schema;
 use Illuminate\Support\Str;
 
 /**
@@ -209,6 +210,16 @@ class DemoTenantSeeder
     {
         $orgIds = DB::table('care_organizations')->where('owner_ref', $ownerRef)->pluck('id');
 
+        if (Schema::hasTable('care_financial_obligations')) {
+            DB::table('care_financial_obligations')->where('owner_ref', $ownerRef)->delete();
+            DB::table('care_visit_stage_advances')->where('owner_ref', $ownerRef)->delete();
+            $workflowIds = DB::table('care_facility_workflows')->where('owner_ref', $ownerRef)->pluck('id');
+            if ($workflowIds->isNotEmpty()) {
+                DB::table('care_workflow_stages')->whereIn('workflow_id', $workflowIds)->delete();
+                DB::table('care_facility_workflows')->whereIn('id', $workflowIds)->delete();
+            }
+        }
+
         DB::table('care_assessment_answers')->where('owner_ref', $ownerRef)->delete();
         DB::table('care_assessment_scores')->where('owner_ref', $ownerRef)->delete();
         DB::table('care_assessments')->where('owner_ref', $ownerRef)->update(['patient_pathway_id' => null]);
diff --git a/app/Services/Care/InvestigationService.php b/app/Services/Care/InvestigationService.php
index 43b92ae..d30a2b6 100644
--- a/app/Services/Care/InvestigationService.php
+++ b/app/Services/Care/InvestigationService.php
@@ -9,17 +9,18 @@ use App\Models\InvestigationResult;
 use App\Models\InvestigationResultValue;
 use App\Models\InvestigationType;
 use App\Models\Organization;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
 use Illuminate\Contracts\Pagination\LengthAwarePaginator;
 use Illuminate\Database\Eloquent\Builder;
 use Illuminate\Database\Eloquent\Collection;
 use Illuminate\Http\UploadedFile;
-use Illuminate\Support\Facades\Storage;
 use InvalidArgumentException;
 
 class InvestigationService
 {
     public function __construct(
         protected CareQueueBridge $queueBridge,
+        protected WorkflowStageCompletionService $workflowCompletion,
     ) {}
 
     public function queryForOrganization(string $ownerRef, int $organizationId): Builder
@@ -83,7 +84,7 @@ class InvestigationService
         ?string $actorRef = null,
     ): Collection {
         $consultation->loadMissing('visit');
-        $created = new Collection();
+        $created = new Collection;
 
         foreach ($typeIds as $typeId) {
             $type = InvestigationType::owned($ownerRef)->findOrFail($typeId);
@@ -277,10 +278,19 @@ class InvestigationService
 
         AuditLogger::record($ownerRef, 'investigation.approved', $request->organization_id, $actorRef, InvestigationRequest::class, $request->id);
 
-        $request = $request->fresh(['patient', 'investigationType', 'result.values']);
+        $request = $request->fresh(['patient', 'investigationType', 'result.values', 'visit']);
         $organization = Organization::query()->find($request->organization_id);
         if ($organization) {
             $this->queueBridge->complete($organization, $request);
+            if ($request->visit) {
+                $this->workflowCompletion->complete(
+                    $organization,
+                    $request->visit,
+                    $this->queueBridge->contextForInvestigation($request),
+                    $ownerRef,
+                    $actorRef,
+                );
+            }
         }
 
         return $request;
diff --git a/app/Services/Care/OrganizationResolver.php b/app/Services/Care/OrganizationResolver.php
index 7f7cb4f..ef44669 100644
--- a/app/Services/Care/OrganizationResolver.php
+++ b/app/Services/Care/OrganizationResolver.php
@@ -95,6 +95,12 @@ class OrganizationResolver
                 'facility_type' => $data['facility_type'] ?? $category,
                 'modules' => $modules,
                 'workflow_template' => $templateKey,
+                'rollout' => [
+                    CareFeatures::WORKFLOW_ENGINE => $templateKey !== 'legacy_clinic',
+                    // Financial gates require the paid billing module and are
+                    // explicitly enabled by an administrator in Settings.
+                    CareFeatures::FINANCIAL_GATES => false,
+                ],
             ],
         ]);
 
diff --git a/app/Services/Care/PharmacyService.php b/app/Services/Care/PharmacyService.php
index 2b04cc1..21e26e3 100644
--- a/app/Services/Care/PharmacyService.php
+++ b/app/Services/Care/PharmacyService.php
@@ -7,7 +7,7 @@ use App\Models\Drug;
 use App\Models\DrugBatch;
 use App\Models\Organization;
 use App\Models\Prescription;
-use App\Models\PrescriptionItem;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
 use Illuminate\Contracts\Pagination\LengthAwarePaginator;
 use Illuminate\Database\Eloquent\Builder;
 use Illuminate\Database\Eloquent\Collection;
@@ -17,6 +17,7 @@ class PharmacyService
 {
     public function __construct(
         protected CareQueueBridge $queueBridge,
+        protected WorkflowStageCompletionService $workflowCompletion,
     ) {}
 
     public function queryDrugs(string $ownerRef, int $organizationId): Builder
@@ -201,10 +202,19 @@ class PharmacyService
 
         AuditLogger::record($ownerRef, 'prescription.dispensed', $prescription->organization_id, $actorRef, Prescription::class, $prescription->id);
 
-        $prescription = $prescription->fresh(['items', 'patient']);
+        $prescription = $prescription->fresh(['items', 'patient', 'visit']);
         $organization = Organization::query()->find($prescription->organization_id);
         if ($organization) {
             $this->queueBridge->complete($organization, $prescription);
+            if ($prescription->visit) {
+                $this->workflowCompletion->complete(
+                    $organization,
+                    $prescription->visit,
+                    CareQueueContexts::PHARMACY,
+                    $ownerRef,
+                    $actorRef,
+                );
+            }
         }
 
         return $prescription;
diff --git a/app/Services/Care/PrescriptionService.php b/app/Services/Care/PrescriptionService.php
index 6d7eba2..deac8df 100644
--- a/app/Services/Care/PrescriptionService.php
+++ b/app/Services/Care/PrescriptionService.php
@@ -6,6 +6,7 @@ use App\Models\Consultation;
 use App\Models\Organization;
 use App\Models\Prescription;
 use App\Models\PrescriptionItem;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
 use Illuminate\Contracts\Pagination\LengthAwarePaginator;
 use Illuminate\Database\Eloquent\Builder;
 use Illuminate\Database\Eloquent\Collection;
@@ -15,6 +16,7 @@ class PrescriptionService
 {
     public function __construct(
         protected CareQueueBridge $queueBridge,
+        protected WorkflowStageCompletionService $workflowCompletion,
     ) {}
 
     public function queryForOrganization(string $ownerRef, int $organizationId): Builder
@@ -160,6 +162,15 @@ class PrescriptionService
         $organization = Organization::query()->find($prescription->organization_id);
         if ($organization) {
             $this->queueBridge->complete($organization, $prescription);
+            if ($prescription->visit) {
+                $this->workflowCompletion->complete(
+                    $organization,
+                    $prescription->visit,
+                    CareQueueContexts::PHARMACY,
+                    $ownerRef,
+                    $actorRef,
+                );
+            }
         }
 
         return $prescription->fresh(['items', 'patient']);
diff --git a/app/Services/Care/VisitService.php b/app/Services/Care/VisitService.php
index 524e686..9bd7925 100644
--- a/app/Services/Care/VisitService.php
+++ b/app/Services/Care/VisitService.php
@@ -5,9 +5,15 @@ namespace App\Services\Care;
 use App\Models\Organization;
 use App\Models\Patient;
 use App\Models\Visit;
+use App\Services\Care\Workflow\WorkflowEngine;
 
 class VisitService
 {
+    public function __construct(
+        protected CareFeatures $features,
+        protected WorkflowEngine $workflows,
+    ) {}
+
     public function checkIn(
         Organization $organization,
         string $ownerRef,
@@ -27,6 +33,10 @@ class VisitService
 
         AuditLogger::record($ownerRef, 'visit.checked_in', $organization->id, $actorRef, Visit::class, $visit->id);
 
+        if ($this->features->enabled($organization, CareFeatures::WORKFLOW_ENGINE)) {
+            $this->workflows->start($visit);
+        }
+
         return $visit;
     }
 
diff --git a/app/Services/Care/Workflow/FinancialGateService.php b/app/Services/Care/Workflow/FinancialGateService.php
index c4f96e0..ac12170 100644
--- a/app/Services/Care/Workflow/FinancialGateService.php
+++ b/app/Services/Care/Workflow/FinancialGateService.php
@@ -3,8 +3,12 @@
 namespace App\Services\Care\Workflow;
 
 use App\Models\FinancialObligation;
+use App\Models\InvestigationRequest;
+use App\Models\Organization;
+use App\Models\Prescription;
 use App\Models\Visit;
 use App\Models\WorkflowStage;
+use App\Services\Care\CareFeatures;
 
 /**
  * Owns FinancialObligation lifecycle and answers whether a stage's financial
@@ -16,6 +20,10 @@ use App\Models\WorkflowStage;
  */
 class FinancialGateService
 {
+    public function __construct(
+        protected CareFeatures $features,
+    ) {}
+
     /**
      * Create (or return existing) obligation for a visit + stage. Only stages
      * that require payment produce an obligation.
@@ -28,29 +36,51 @@ class FinancialGateService
             return null;
         }
 
-        $existing = FinancialObligation::query()
-            ->where('visit_id', $visit->id)
-            ->where('workflow_stage_id', $stage->id)
-            ->whereNull('deleted_at')
-            ->first();
-
-        if ($existing !== null) {
-            return $existing;
+        $organization = Organization::query()->find($visit->organization_id);
+        if ($organization && ! $this->features->enabled($organization, CareFeatures::FINANCIAL_GATES)) {
+            return null;
         }
 
-        return FinancialObligation::create(array_merge([
+        $amount = (int) ($overrides['amount_minor']
+            ?? $stage->default_amount_minor
+            ?? $this->defaultAmountFor($stage, $visit));
+        $defaults = array_merge([
             'owner_ref' => $visit->owner_ref,
             'organization_id' => $visit->organization_id,
             'branch_id' => $visit->branch_id,
-            'visit_id' => $visit->id,
             'patient_id' => $visit->patient_id,
-            'workflow_stage_id' => $stage->id,
             'stage_code' => $stage->code,
             'charge_code' => $stage->charge_code,
             'label' => $stage->charge_label ?? $stage->name,
-            'amount_minor' => $stage->default_amount_minor ?? $this->defaultAmountFor($stage),
-            'status' => FinancialObligation::STATUS_PENDING,
-        ], $overrides));
+            'amount_minor' => $amount,
+            'status' => $amount > 0
+                ? FinancialObligation::STATUS_PENDING
+                : FinancialObligation::STATUS_WAIVED,
+            'clearance_method' => $amount > 0 ? null : 'no_charge',
+            'cleared_at' => $amount > 0 ? null : now(),
+        ], $overrides);
+
+        $obligation = FinancialObligation::firstOrCreate(
+            [
+                'visit_id' => $visit->id,
+                'workflow_stage_id' => $stage->id,
+            ],
+            $defaults,
+        );
+
+        // A stage may initially have no billable items (for example pharmacy
+        // before a prescription is saved). Re-evaluate no-charge clearances
+        // whenever the workflow gate is refreshed.
+        if ($obligation->clearance_method === 'no_charge' && $amount > 0) {
+            $obligation->forceFill([
+                'amount_minor' => $amount,
+                'status' => FinancialObligation::STATUS_PENDING,
+                'clearance_method' => null,
+                'cleared_at' => null,
+            ])->save();
+        }
+
+        return $obligation;
     }
 
     /**
@@ -63,6 +93,11 @@ class FinancialGateService
             return true;
         }
 
+        $organization = Organization::query()->find($visit->organization_id);
+        if ($organization && ! $this->features->enabled($organization, CareFeatures::FINANCIAL_GATES)) {
+            return true;
+        }
+
         $obligation = FinancialObligation::query()
             ->where('visit_id', $visit->id)
             ->where('workflow_stage_id', $stage->id)
@@ -93,7 +128,7 @@ class FinancialGateService
     ): FinancialObligation {
         $status = match ($method) {
             'insurance' => FinancialObligation::STATUS_AUTHORIZED,
-            'waiver' => FinancialObligation::STATUS_WAIVED,
+            'waiver', 'override' => FinancialObligation::STATUS_WAIVED,
             'credit' => FinancialObligation::STATUS_DEFERRED,
             default => FinancialObligation::STATUS_PAID,
         };
@@ -117,12 +152,53 @@ class FinancialGateService
         return $obligation;
     }
 
-    protected function defaultAmountFor(WorkflowStage $stage): int
+    protected function defaultAmountFor(WorkflowStage $stage, Visit $visit): int
     {
-        if ($stage->charge_code === 'consultation') {
-            return (int) config('care.billing.consultation_fee_minor', 0);
-        }
+        return match ($stage->charge_code) {
+            'patient_card', 'registration' => (int) config('care.billing.patient_card_fee_minor', 0),
+            'consultation' => (int) config('care.billing.consultation_fee_minor', 0),
+            'lab' => $this->investigationTotal($visit, imaging: false),
+            'imaging' => $this->investigationTotal($visit, imaging: true),
+            'pharmacy' => $this->pharmacyTotal($visit),
+            'visit_total' => (int) $visit->bills()
+                ->whereNotIn('status', ['paid', 'void'])
+                ->sum('balance_minor'),
+            default => 0,
+        };
+    }
 
-        return 0;
+    protected function investigationTotal(Visit $visit, bool $imaging): int
+    {
+        $imagingCategories = ['xray', 'ultrasound', 'ct', 'mri'];
+
+        return (int) InvestigationRequest::query()
+            ->where('visit_id', $visit->id)
+            ->with('investigationType')
+            ->get()
+            ->filter(function (InvestigationRequest $request) use ($imaging, $imagingCategories) {
+                $isImaging = in_array($request->investigationType?->category, $imagingCategories, true);
+
+                return $imaging ? $isImaging : ! $isImaging;
+            })
+            ->sum(fn (InvestigationRequest $request) => (int) ($request->investigationType?->price_minor ?? 0));
+    }
+
+    protected function pharmacyTotal(Visit $visit): int
+    {
+        return (int) Prescription::query()
+            ->where('visit_id', $visit->id)
+            ->with('items.drug')
+            ->get()
+            ->sum(function (Prescription $prescription) {
+                return $prescription->items->sum(function ($item) {
+                    if ($item->is_procedure) {
+                        return 0;
+                    }
+
+                    $quantity = max(1, (int) preg_replace('/\D/', '', (string) $item->quantity) ?: 1);
+
+                    return $quantity * (int) ($item->drug?->unit_price_minor ?? 0);
+                });
+            });
     }
 }
diff --git a/app/Services/Care/Workflow/WorkflowEngine.php b/app/Services/Care/Workflow/WorkflowEngine.php
index a1f9646..1c5c946 100644
--- a/app/Services/Care/Workflow/WorkflowEngine.php
+++ b/app/Services/Care/Workflow/WorkflowEngine.php
@@ -40,22 +40,26 @@ class WorkflowEngine
      */
     public function start(Visit $visit, ?FacilityWorkflow $workflow = null): ?VisitStageAdvance
     {
-        $workflow ??= $this->workflowFor($visit);
-        if ($workflow === null) {
-            return null;
-        }
+        return DB::transaction(function () use ($visit, $workflow) {
+            Visit::query()->whereKey($visit->id)->lockForUpdate()->first();
 
-        $existing = $this->currentAdvance($visit);
-        if ($existing !== null) {
-            return $existing;
-        }
+            $workflow ??= $this->workflowFor($visit);
+            if ($workflow === null) {
+                return null;
+            }
 
-        $first = $workflow->firstStage();
-        if ($first === null) {
-            return null;
-        }
+            $existing = $this->currentAdvance($visit);
+            if ($existing !== null) {
+                return $existing;
+            }
 
-        return $this->enterStage($visit, $workflow, $first);
+            $first = $workflow->firstStage();
+            if ($first === null) {
+                return null;
+            }
+
+            return $this->enterStage($visit, $workflow, $first);
+        });
     }
 
     public function currentAdvance(Visit $visit): ?VisitStageAdvance
@@ -79,9 +83,31 @@ class WorkflowEngine
      */
     public function canAdvance(Visit $visit, ?string $toCode = null): bool
     {
+        $current = $this->refreshGate($visit);
+        if ($current === null || $current->isBlocked()) {
+            return false;
+        }
+
         $target = $this->resolveTarget($visit, $toCode);
 
-        return $target !== null && $this->gate->isSatisfied($visit, $target);
+        return $target !== null;
+    }
+
+    public function canManuallyAdvance(Visit $visit): bool
+    {
+        $stage = $this->refreshGate($visit)?->stage;
+        if ($stage === null || in_array($stage->type, [
+            'consultation',
+            'laboratory',
+            'imaging',
+            'procedure',
+            'pharmacy',
+            'payment',
+        ], true)) {
+            return false;
+        }
+
+        return $this->canAdvance($visit);
     }
 
     /**
@@ -93,6 +119,8 @@ class WorkflowEngine
     public function advance(Visit $visit, ?string $toCode = null): ?VisitStageAdvance
     {
         return DB::transaction(function () use ($visit, $toCode) {
+            Visit::query()->whereKey($visit->id)->lockForUpdate()->first();
+
             $workflow = $this->workflowFor($visit);
             if ($workflow === null) {
                 return null;
@@ -103,7 +131,11 @@ class WorkflowEngine
                 return null;
             }
 
-            $current = $this->currentAdvance($visit);
+            $current = $this->refreshGate($visit);
+            if ($current?->isBlocked()) {
+                throw new \DomainException('Clear the current stage financial gate before advancing this visit.');
+            }
+
             if ($current !== null) {
                 $current->forceFill([
                     'status' => VisitStageAdvance::STATUS_COMPLETED,
@@ -140,12 +172,21 @@ class WorkflowEngine
             return $advance;
         }
 
-        if ($advance->isBlocked() && $this->gate->isSatisfied($visit, $advance->stage)) {
+        $this->gate->obligationFor($visit, $advance->stage);
+        $satisfied = $this->gate->isSatisfied($visit, $advance->stage);
+
+        if ($advance->isBlocked() && $satisfied) {
             $advance->forceFill([
                 'status' => VisitStageAdvance::STATUS_ACTIVE,
                 'blocked_reason' => null,
                 'cleared_at' => now(),
             ])->save();
+        } elseif (! $advance->isBlocked() && ! $satisfied) {
+            $advance->forceFill([
+                'status' => VisitStageAdvance::STATUS_BLOCKED,
+                'blocked_reason' => $this->gate->blockedReason($visit, $advance->stage),
+                'cleared_at' => null,
+            ])->save();
         }
 
         return $advance->fresh();
@@ -178,7 +219,16 @@ class WorkflowEngine
         }
 
         if ($toCode !== null && $toCode !== '') {
-            return $workflow->stage($toCode);
+            $target = $workflow->stage($toCode);
+            $current = $this->currentAdvance($visit)?->stage;
+            if ($target === null || $current === null) {
+                return null;
+            }
+
+            $isConfiguredNext = $current->default_next === $target->code;
+            $mayBranch = $current->creates_child || $current->can_return || $current->can_skip;
+
+            return $isConfiguredNext || $mayBranch ? $target : null;
         }
 
         $current = $this->currentAdvance($visit)?->stage;
diff --git a/app/Services/Care/Workflow/WorkflowQueueGate.php b/app/Services/Care/Workflow/WorkflowQueueGate.php
new file mode 100644
index 0000000..e1ee2e5
--- /dev/null
+++ b/app/Services/Care/Workflow/WorkflowQueueGate.php
@@ -0,0 +1,67 @@
+<?php
+
+namespace App\Services\Care\Workflow;
+
+use App\Models\Organization;
+use App\Models\Visit;
+use App\Services\Care\CareFeatures;
+use App\Services\Care\CareQueueContexts;
+
+/**
+ * Single boundary for deciding whether a visit may be exposed to a Queue
+ * service line. Every direct issue and background backfill passes through it.
+ */
+class WorkflowQueueGate
+{
+    public function __construct(
+        protected CareFeatures $features,
+        protected WorkflowEngine $engine,
+    ) {}
+
+    public function enabled(Organization $organization): bool
+    {
+        return $this->features->enabled($organization, CareFeatures::WORKFLOW_ENGINE);
+    }
+
+    public function canRelease(
+        Organization $organization,
+        ?Visit $visit,
+        string $queueContext,
+    ): bool {
+        if (! $this->enabled($organization) || $visit === null) {
+            return true;
+        }
+
+        $advance = $this->engine->currentAdvance($visit)
+            ? $this->engine->refreshGate($visit)
+            : $this->engine->start($visit);
+        $stage = $advance?->stage;
+
+        // An enabled org without a materialized workflow keeps legacy behavior.
+        if ($stage === null) {
+            return true;
+        }
+
+        if (! $this->contextsMatch($stage->queue_context, $stage->type, $queueContext)) {
+            return false;
+        }
+
+        if (! $this->features->enabled($organization, CareFeatures::FINANCIAL_GATES)) {
+            return true;
+        }
+
+        return $this->engine->isQueueReleasable($visit);
+    }
+
+    protected function contextsMatch(?string $stageContext, string $stageType, string $queueContext): bool
+    {
+        if ($stageContext === $queueContext) {
+            return true;
+        }
+
+        // Specialty appointments still fulfill a consultation workflow stage.
+        return $stageType === 'consultation'
+            && CareQueueContexts::isSpecialty($queueContext)
+            && $stageContext === CareQueueContexts::CONSULTATION;
+    }
+}
diff --git a/app/Services/Care/Workflow/WorkflowQueueReleaseService.php b/app/Services/Care/Workflow/WorkflowQueueReleaseService.php
new file mode 100644
index 0000000..eb3c564
--- /dev/null
+++ b/app/Services/Care/Workflow/WorkflowQueueReleaseService.php
@@ -0,0 +1,103 @@
+<?php
+
+namespace App\Services\Care\Workflow;
+
+use App\Models\Appointment;
+use App\Models\Bill;
+use App\Models\InvestigationRequest;
+use App\Models\Organization;
+use App\Models\Prescription;
+use App\Models\Visit;
+use App\Services\Care\CareQueueBridge;
+use App\Services\Care\CareQueueContexts;
+
+/**
+ * Releases the entity represented by the visit's current workflow stage to
+ * Ladill Queue after stage entry or financial clearance.
+ */
+class WorkflowQueueReleaseService
+{
+    public function __construct(
+        protected WorkflowEngine $engine,
+        protected CareQueueBridge $queue,
+    ) {}
+
+    public function releaseCurrent(Organization $organization, Visit $visit): void
+    {
+        $stage = $this->engine->currentStage($visit);
+        if ($stage === null || $stage->queue_context === null) {
+            return;
+        }
+
+        $context = $stage->queue_context;
+
+        if ($context === CareQueueContexts::CONSULTATION || CareQueueContexts::isSpecialty($context)) {
+            $appointment = Appointment::query()
+                ->where('visit_id', $visit->id)
+                ->with(['patient', 'organization', 'practitioner', 'visit'])
+                ->latest('id')
+                ->first();
+
+            if ($appointment) {
+                if ($appointment->status === Appointment::STATUS_COMPLETED) {
+                    $nextPosition = ((int) Appointment::owned($appointment->owner_ref)
+                        ->where('branch_id', $appointment->branch_id)
+                        ->whereIn('status', [Appointment::STATUS_WAITING, Appointment::STATUS_CHECKED_IN])
+                        ->max('queue_position')) + 1;
+                    $appointment->forceFill([
+                        'status' => Appointment::STATUS_WAITING,
+                        'waiting_at' => now(),
+                        'started_at' => null,
+                        'completed_at' => null,
+                        'queue_position' => $nextPosition,
+                    ])->save();
+                }
+
+                if (filled($appointment->queue_ticket_uuid)
+                    && in_array($appointment->queue_ticket_status, ['completed', 'cancelled'], true)) {
+                    $appointment->forceFill([
+                        'queue_ticket_uuid' => null,
+                        'queue_ticket_number' => null,
+                        'queue_ticket_status' => null,
+                        'queue_service_point_uuid' => null,
+                        'queue_destination' => null,
+                        'queue_staff_display_name' => null,
+                        'queue_routing_status' => null,
+                    ])->save();
+                }
+
+                $this->queue->issueForAppointment($organization, $appointment);
+            }
+
+            return;
+        }
+
+        if ($context === CareQueueContexts::LABORATORY || $context === CareQueueContexts::IMAGING) {
+            InvestigationRequest::query()
+                ->where('visit_id', $visit->id)
+                ->with(['patient', 'visit'])
+                ->get()
+                ->each(fn (InvestigationRequest $request) => $this->queue->issueForInvestigation($organization, $request));
+
+            return;
+        }
+
+        if ($context === CareQueueContexts::PHARMACY) {
+            Prescription::query()
+                ->where('visit_id', $visit->id)
+                ->with(['patient', 'visit'])
+                ->get()
+                ->each(fn (Prescription $prescription) => $this->queue->issueForPrescription($organization, $prescription));
+
+            return;
+        }
+
+        if ($context === CareQueueContexts::BILLING) {
+            Bill::query()
+                ->where('visit_id', $visit->id)
+                ->whereNotIn('status', [Bill::STATUS_PAID, Bill::STATUS_VOID])
+                ->get()
+                ->each(fn (Bill $bill) => $this->queue->issueForBill($organization, $bill));
+        }
+    }
+}
diff --git a/app/Services/Care/Workflow/WorkflowStageCompletionService.php b/app/Services/Care/Workflow/WorkflowStageCompletionService.php
new file mode 100644
index 0000000..c7fffd2
--- /dev/null
+++ b/app/Services/Care/Workflow/WorkflowStageCompletionService.php
@@ -0,0 +1,120 @@
+<?php
+
+namespace App\Services\Care\Workflow;
+
+use App\Models\InvestigationRequest;
+use App\Models\Organization;
+use App\Models\Prescription;
+use App\Models\Visit;
+use App\Models\VisitStageAdvance;
+use App\Services\Care\AuditLogger;
+use App\Services\Care\CareQueueBridge;
+use App\Services\Care\CareQueueContexts;
+use App\Services\Care\VisitService;
+
+/**
+ * Advances a visit when the clinical entity backing its current stage is
+ * complete. Multi-item lab/imaging/pharmacy stages wait for all sibling work.
+ */
+class WorkflowStageCompletionService
+{
+    public function __construct(
+        protected WorkflowEngine $engine,
+        protected WorkflowQueueGate $gate,
+        protected WorkflowQueueReleaseService $queueRelease,
+        protected CareQueueBridge $queue,
+        protected VisitService $visits,
+    ) {}
+
+    public function complete(
+        Organization $organization,
+        Visit $visit,
+        string $context,
+        string $ownerRef,
+        ?string $actorRef = null,
+    ): ?VisitStageAdvance {
+        if (! $this->gate->enabled($organization)) {
+            return null;
+        }
+
+        $current = $this->engine->refreshGate($visit);
+        $stage = $current?->stage;
+        if ($stage === null || ! $this->contextMatches($stage->queue_context, $stage->type, $context)) {
+            return null;
+        }
+
+        if ($this->hasOutstandingWork($visit, $context)) {
+            return $current;
+        }
+
+        if (! $this->engine->canAdvance($visit)) {
+            return $current;
+        }
+
+        $next = $this->engine->advance($visit);
+        if ($next === null) {
+            return null;
+        }
+
+        AuditLogger::record(
+            $ownerRef,
+            'visit.workflow_advanced',
+            $visit->organization_id,
+            $actorRef,
+            VisitStageAdvance::class,
+            $next->id,
+            ['from_context' => $context, 'stage_code' => $next->stage_code, 'status' => $next->status],
+        );
+
+        if ($next->stage?->type === 'exit') {
+            $this->visits->complete($visit, $ownerRef, $actorRef);
+        } else {
+            $this->queueRelease->releaseCurrent($organization, $visit);
+        }
+
+        return $next;
+    }
+
+    protected function hasOutstandingWork(Visit $visit, string $context): bool
+    {
+        if (in_array($context, [CareQueueContexts::LABORATORY, CareQueueContexts::IMAGING], true)) {
+            return InvestigationRequest::query()
+                ->where('visit_id', $visit->id)
+                ->whereNotIn('status', [
+                    InvestigationRequest::STATUS_COMPLETED,
+                    InvestigationRequest::STATUS_DELIVERED,
+                    InvestigationRequest::STATUS_CANCELLED,
+                ])
+                ->with('investigationType')
+                ->get()
+                ->contains(fn (InvestigationRequest $request) => $this->queue->contextForInvestigation($request) === $context);
+        }
+
+        if ($context === CareQueueContexts::PHARMACY) {
+            return Prescription::query()
+                ->where('visit_id', $visit->id)
+                ->whereNotIn('status', [
+                    Prescription::STATUS_DISPENSED,
+                    Prescription::STATUS_CANCELLED,
+                ])
+                ->exists();
+        }
+
+        return false;
+    }
+
+    protected function contextMatches(?string $stageContext, string $stageType, string $context): bool
+    {
+        if ($stageContext === $context) {
+            return true;
+        }
+
+        if ($stageType === 'payment' && $context === CareQueueContexts::BILLING) {
+            return true;
+        }
+
+        return $stageType === 'consultation'
+            && CareQueueContexts::isSpecialty($context)
+            && $stageContext === CareQueueContexts::CONSULTATION;
+    }
+}
diff --git a/config/care.php b/config/care.php
index 108834f..d58d54f 100644
--- a/config/care.php
+++ b/config/care.php
@@ -119,6 +119,7 @@ return [
         'appointment.meet_scheduled' => 'Video visit scheduled',
         'appointment.meet_cancelled' => 'Video visit cancelled',
         'visit.checked_in' => 'Visit opened',
+        'visit.workflow_advanced' => 'Visit workflow advanced',
         'visit.completed' => 'Visit completed',
         'consultation.started' => 'Consultation started',
         'consultation.updated' => 'Consultation updated',
@@ -142,6 +143,7 @@ return [
         'bill.line_item_added' => 'Bill line item added',
         'bill.voided' => 'Bill voided',
         'payment.recorded' => 'Payment recorded',
+        'financial_obligation.cleared' => 'Financial obligation cleared',
         'payment.checkout_started' => 'Online payment checkout started',
         'integrations.gateway_connected' => 'Payment gateway connected',
         'integrations.gateway_disconnected' => 'Payment gateway disconnected',
@@ -285,6 +287,7 @@ return [
     ],
 
     'billing' => [
+        'patient_card_fee_minor' => (int) env('CARE_PATIENT_CARD_FEE_MINOR', 2000),
         'consultation_fee_minor' => (int) env('CARE_CONSULTATION_FEE_MINOR', 5000),
         'currency' => env('CARE_CURRENCY', 'GHS'),
     ],
diff --git a/config/care_workflows.php b/config/care_workflows.php
index 1b8af91..15c1b97 100644
--- a/config/care_workflows.php
+++ b/config/care_workflows.php
@@ -100,6 +100,24 @@ return [
         'digital' => 'Digital (MoMo / card / Paystack)',
     ],
 
+    'clearance_methods' => [
+        'payment' => 'Payment received',
+        'bank_receipt' => 'External bank receipt verified',
+        'insurance' => 'Insurance authorization',
+        'credit' => 'Approved credit',
+        'waiver' => 'Waiver',
+        'override' => 'Authorized override',
+    ],
+
+    'obligation_statuses' => [
+        'pending' => 'Pending',
+        'authorized' => 'Insurance authorized',
+        'paid' => 'Paid',
+        'waived' => 'Waived',
+        'deferred' => 'Deferred / credit',
+        'void' => 'Void',
+    ],
+
     'stage_types' => [
         'registration' => 'Registration',
         'payment' => 'Payment',
diff --git a/database/migrations/2026_07_17_210000_enforce_unique_care_workflow_obligations.php b/database/migrations/2026_07_17_210000_enforce_unique_care_workflow_obligations.php
new file mode 100644
index 0000000..1e07b5a
--- /dev/null
+++ b/database/migrations/2026_07_17_210000_enforce_unique_care_workflow_obligations.php
@@ -0,0 +1,25 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('care_financial_obligations', function (Blueprint $table) {
+            $table->unique(
+                ['visit_id', 'workflow_stage_id'],
+                'care_obligations_visit_stage_unique',
+            );
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('care_financial_obligations', function (Blueprint $table) {
+            $table->dropUnique('care_obligations_visit_stage_unique');
+        });
+    }
+};
diff --git a/resources/views/care/appointments/show.blade.php b/resources/views/care/appointments/show.blade.php
index 3435b48..796a3b3 100644
--- a/resources/views/care/appointments/show.blade.php
+++ b/resources/views/care/appointments/show.blade.php
@@ -19,7 +19,7 @@
                     <x-btn type="submit" variant="warning">No show</x-btn>
                 </form>
             @endif
-            @if ($canConsult && in_array($appointment->status, [\App\Models\Appointment::STATUS_WAITING, \App\Models\Appointment::STATUS_CHECKED_IN], true))
+            @if (($canStartConsultation ?? $canConsult) && in_array($appointment->status, [\App\Models\Appointment::STATUS_WAITING, \App\Models\Appointment::STATUS_CHECKED_IN], true))
                 <form method="POST" action="{{ route('care.queue.start', $appointment) }}">
                     @csrf
                     <button type="submit" class="btn-primary">Start consultation</button>
@@ -62,6 +62,50 @@
         </div>
     </div>
 
+    @if ($workflowEnabled ?? false)
+        <section class="mt-6 rounded-2xl border border-slate-200 bg-white p-6">
+            <div class="flex flex-col gap-4 sm:flex-row sm:items-start sm:justify-between">
+                <div>
+                    <p class="text-xs font-medium uppercase tracking-wide text-slate-500">Patient journey</p>
+                    <h2 class="mt-1 text-lg font-semibold text-slate-900">{{ $currentAdvance?->stage?->name ?? 'Workflow not started' }}</h2>
+                    @if ($currentAdvance)
+                        <p class="mt-1 text-sm {{ $currentAdvance->isBlocked() ? 'text-amber-700' : 'text-emerald-700' }}">
+                            {{ $currentAdvance->isBlocked() ? 'Blocked — financial clearance required' : 'Ready for service' }}
+                        </p>
+                    @endif
+                    @if ($currentObligation)
+                        <p class="mt-2 text-sm text-slate-600">
+                            {{ $currentObligation->label }} ·
+                            {{ config('care.billing.currency') }} {{ number_format($currentObligation->amount_minor / 100, 2) }} ·
+                            {{ ucfirst($currentObligation->status) }}
+                        </p>
+                    @endif
+                </div>
+                <div class="flex flex-wrap gap-2">
+                    @if ($currentAdvance?->isBlocked() && ($canViewBills ?? false))
+                        <a href="{{ route('care.obligations.index') }}" class="btn-primary">Open financial gates</a>
+                    @endif
+                    @if ($canAdvanceWorkflow ?? false)
+                        <form method="POST" action="{{ route('care.visits.workflow.advance', $appointment->visit) }}">
+                            @csrf
+                            <button type="submit" class="btn-primary">Complete stage & continue</button>
+                        </form>
+                    @endif
+                </div>
+            </div>
+
+            @if (($workflowHistory ?? collect())->isNotEmpty())
+                <ol class="mt-5 flex flex-wrap gap-2 border-t border-slate-100 pt-4">
+                    @foreach ($workflowHistory as $step)
+                        <li class="rounded-full px-3 py-1 text-xs {{ in_array($step->status, ['completed', 'skipped'], true) ? 'bg-emerald-50 text-emerald-700' : ($step->status === 'blocked' ? 'bg-amber-50 text-amber-800' : 'bg-sky-50 text-sky-700') }}">
+                            {{ $step->stage?->name ?? $step->stage_code }} · {{ str_replace('_', ' ', $step->status) }}
+                        </li>
+                    @endforeach
+                </ol>
+            @endif
+        </section>
+    @endif
+
     <div class="mt-6 grid gap-6 lg:grid-cols-2">
         <section class="rounded-2xl border border-slate-200 bg-white p-6">
             <h2 class="text-sm font-semibold uppercase tracking-wide text-slate-500">Details</h2>
diff --git a/resources/views/care/bills/index.blade.php b/resources/views/care/bills/index.blade.php
index bf401df..0633776 100644
--- a/resources/views/care/bills/index.blade.php
+++ b/resources/views/care/bills/index.blade.php
@@ -5,6 +5,9 @@
             <h1 class="text-xl font-semibold text-slate-900">Bills & invoices</h1>
             <p class="mt-1 text-sm text-slate-500">Encounter billing and outstanding balances</p>
         </div>
+        @if (app(\App\Services\Care\CareFeatures::class)->enabled($organization, \App\Services\Care\CareFeatures::WORKFLOW_ENGINE))
+            <a href="{{ route('care.obligations.index') }}" class="btn-primary">Financial gates</a>
+        @endif
     </div>
     <form method="GET" class="mt-4 flex gap-3 rounded-2xl border border-slate-200 bg-white p-4">
         <select name="status" class="rounded-lg border-slate-300 text-sm">
diff --git a/resources/views/care/financial-obligations/index.blade.php b/resources/views/care/financial-obligations/index.blade.php
new file mode 100644
index 0000000..b9e3c1e
--- /dev/null
+++ b/resources/views/care/financial-obligations/index.blade.php
@@ -0,0 +1,106 @@
+@php $money = fn ($minor) => config('care.billing.currency').' '.number_format($minor / 100, 2); @endphp
+<x-app-layout title="Financial gates">
+    <div class="flex flex-col gap-4 sm:flex-row sm:items-start sm:justify-between">
+        <div>
+            <h1 class="text-xl font-semibold text-slate-900">Financial gates</h1>
+            <p class="mt-1 text-sm text-slate-500">Clear payment or authorization before patients enter gated service queues.</p>
+        </div>
+        <a href="{{ route('care.bills.index') }}" class="rounded-lg border border-slate-200 px-4 py-2 text-sm text-slate-700">Bills & invoices</a>
+    </div>
+
+    <form method="GET" class="mt-4 flex flex-wrap gap-3 rounded-2xl border border-slate-200 bg-white p-4">
+        <select name="status" class="rounded-lg border-slate-300 text-sm">
+            <option value="">All statuses</option>
+            @foreach ($statuses as $value => $label)
+                <option value="{{ $value }}" @selected(request('status', 'pending') === $value)>{{ $label }}</option>
+            @endforeach
+        </select>
+        <button type="submit" class="btn-primary">Filter</button>
+    </form>
+
+    <div class="mt-4 space-y-3">
+        @forelse ($obligations as $obligation)
+            <article class="rounded-2xl border border-slate-200 bg-white p-5">
+                <div class="flex flex-col gap-3 sm:flex-row sm:items-start sm:justify-between">
+                    <div>
+                        <div class="flex flex-wrap items-center gap-2">
+                            <h2 class="font-semibold text-slate-900">{{ $obligation->patient?->fullName() ?? 'Patient' }}</h2>
+                            <span class="rounded-full bg-slate-100 px-2 py-0.5 text-xs text-slate-600">
+                                {{ $statuses[$obligation->status] ?? ucfirst($obligation->status) }}
+                            </span>
+                        </div>
+                        <p class="mt-1 text-sm text-slate-600">
+                            {{ $obligation->stage?->name ?? $obligation->stage_code }}
+                            · {{ $obligation->label ?? 'Workflow charge' }}
+                            @if ($obligation->branch) · {{ $obligation->branch->name }} @endif
+                        </p>
+                        <p class="mt-1 text-xs text-slate-400">
+                            Created {{ $obligation->created_at->format('d M Y H:i') }}
+                            @if ($obligation->bill) · Invoice {{ $obligation->bill->invoice_number }} @endif
+                        </p>
+                    </div>
+                    <p class="text-lg font-semibold text-slate-900">{{ $money($obligation->amount_minor) }}</p>
+                </div>
+
+                @if ($canClear && $obligation->status === \App\Models\FinancialObligation::STATUS_PENDING)
+                    @php
+                        $allowedPaymentModes = ! empty($obligation->stage?->payment_modes)
+                            ? array_intersect_key($paymentModes, array_flip($obligation->stage->payment_modes))
+                            : $paymentModes;
+                        $availableClearanceMethods = collect($clearanceMethods)->filter(function ($label, $value) use ($obligation, $allowedPaymentModes) {
+                            return match ($value) {
+                                'payment' => collect(array_keys($allowedPaymentModes))->intersect(['internal_cashier', 'digital'])->isNotEmpty(),
+                                'bank_receipt' => array_key_exists('external_bank', $allowedPaymentModes),
+                                'insurance' => (bool) $obligation->stage?->insurance_eligible,
+                                'credit' => (bool) $obligation->stage?->credit_allowed,
+                                'waiver', 'override' => (bool) $obligation->stage?->allow_override,
+                                default => false,
+                            };
+                        });
+                    @endphp
+                    <form method="POST" action="{{ route('care.obligations.clear', $obligation) }}" class="mt-4 grid gap-3 border-t border-slate-100 pt-4 md:grid-cols-5">
+                        @csrf
+                        <div>
+                            <label class="block text-xs font-medium text-slate-500">Clearance</label>
+                            <select name="method" required class="mt-1 w-full rounded-lg border-slate-300 text-sm">
+                                @foreach ($availableClearanceMethods as $value => $label)
+                                    <option value="{{ $value }}">{{ $label }}</option>
+                                @endforeach
+                            </select>
+                        </div>
+                        <div>
+                            <label class="block text-xs font-medium text-slate-500">Payment mode</label>
+                            <select name="payment_mode" class="mt-1 w-full rounded-lg border-slate-300 text-sm">
+                                <option value="">Not applicable</option>
+                                @foreach ($allowedPaymentModes as $value => $label)
+                                    <option value="{{ $value }}" @selected($loop->first)>{{ $label }}</option>
+                                @endforeach
+                            </select>
+                        </div>
+                        <div>
+                            <label class="block text-xs font-medium text-slate-500">Tender</label>
+                            <select name="payment_method" class="mt-1 w-full rounded-lg border-slate-300 text-sm">
+                                @foreach ($paymentMethods as $value => $label)
+                                    <option value="{{ $value }}">{{ $label }}</option>
+                                @endforeach
+                            </select>
+                        </div>
+                        <div>
+                            <label class="block text-xs font-medium text-slate-500">Receipt / authorization ref</label>
+                            <input name="reference" maxlength="100" class="mt-1 w-full rounded-lg border-slate-300 text-sm">
+                        </div>
+                        <div class="flex items-end">
+                            <button type="submit" class="btn-primary w-full">Clear gate</button>
+                        </div>
+                    </form>
+                @endif
+            </article>
+        @empty
+            <div class="rounded-2xl border border-slate-200 bg-white px-6 py-12 text-center text-sm text-slate-500">
+                No financial obligations match this filter.
+            </div>
+        @endforelse
+    </div>
+
+    <div class="mt-4">{{ $obligations->links() }}</div>
+</x-app-layout>
diff --git a/resources/views/care/settings/edit.blade.php b/resources/views/care/settings/edit.blade.php
index 86e6346..c18dde4 100644
--- a/resources/views/care/settings/edit.blade.php
+++ b/resources/views/care/settings/edit.blade.php
@@ -134,6 +134,36 @@
                     </label>
                 </x-settings.card>
 
+                <x-settings.card title="Patient journey workflow" description="Move each visit through configured stages and control when it may enter a Ladill Queue service line.">
+                    <div class="space-y-4">
+                        <label class="flex items-start gap-3 text-sm">
+                            <input type="checkbox" name="workflow_engine" value="1"
+                                   @checked(old('workflow_engine', $workflowEngineEnabled ?? false))
+                                   class="mt-0.5 rounded border-slate-300">
+                            <span>
+                                <span class="font-medium text-slate-800">Track visits through the facility workflow</span>
+                                <span class="mt-0.5 block text-xs text-slate-500">
+                                    Check-in starts the selected workflow. Staff advance the visit stage-by-stage, and Queue only receives the patient at the matching service stage.
+                                </span>
+                            </span>
+                        </label>
+
+                        <label class="flex items-start gap-3 text-sm {{ empty($hasBillingFeature) ? 'opacity-60' : '' }}">
+                            <input type="checkbox" name="financial_gates" value="1"
+                                   @checked(old('financial_gates', $financialGatesEnabled ?? false))
+                                   @disabled(empty($hasBillingFeature))
+                                   class="mt-0.5 rounded border-slate-300">
+                            <span>
+                                <span class="font-medium text-slate-800">Enforce payment and authorization gates</span>
+                                <span class="mt-0.5 block text-xs text-slate-500">
+                                    Blocks service Queue activation until payment, insurance authorization, approved credit, waiver, or override clears the stage.
+                                    @if (empty($hasBillingFeature)) Billing on Care Pro or Enterprise is required. @endif
+                                </span>
+                            </span>
+                        </label>
+                    </div>
+                </x-settings.card>
+
                 <x-settings.card title="Messaging" description="Patient email and SMS use suite messaging by default — no Bird or SMS API keys required.">
                     <p class="text-sm text-slate-600">
                         Set a Ladill mailbox (From address) and optional SMS sender ID under Account → Messaging.
diff --git a/resources/views/partials/sidebar.blade.php b/resources/views/partials/sidebar.blade.php
index 9b9375f..389341f 100644
--- a/resources/views/partials/sidebar.blade.php
+++ b/resources/views/partials/sidebar.blade.php
@@ -65,7 +65,7 @@
             }
 
             if ($permissions->can($member, 'bills.view')) {
-                $nav[] = ['name' => 'Billing', 'route' => route('care.bills.index'), 'active' => request()->routeIs('care.bills.*'),
+                $nav[] = ['name' => 'Billing', 'route' => route('care.bills.index'), 'active' => request()->routeIs('care.bills.*', 'care.obligations.*'),
                  'icon' => '<path stroke-linecap="round" stroke-linejoin="round" d="M2.25 18.75a60.07 60.07 0 0 1 15.797 2.101c.727.198 1.453-.342 1.453-1.096V18.75M3.75 4.5v.75A.75.75 0 0 1 3 6h-.75m0 0v-.375c0-.621.504-1.125 1.125-1.125H20.25M2.25 6v9m18-10.5v.75c0 .414.336.75.75.75h.75m-1.5-1.5h.375c.621 0 1.125.504 1.125 1.125v9.75c0 .621-.504 1.125-1.125 1.125h-.375m1.5-1.5H21a.75.75 0 0 0-.75.75v.75m0 0H3.75m0 0h-.375a1.125 1.125 0 0 1-1.125-1.125V15m1.5 1.5v-.75A.75.75 0 0 0 3 15h-.375M15 10.5a3 3 0 1 1-6 0 3 3 0 0 1 6 0Z" />'];
             }
 
diff --git a/routes/web.php b/routes/web.php
index fb1e7e7..b625127 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -2,11 +2,10 @@
 
 use App\Http\Controllers\Auth\SsoLoginController;
 use App\Http\Controllers\Care\AiController;
-use App\Http\Controllers\NotificationController;
-use App\Http\Controllers\Care\AuditLogController;
 use App\Http\Controllers\Care\AppointmentController;
 use App\Http\Controllers\Care\AppointmentMeetController;
 use App\Http\Controllers\Care\AssessmentController;
+use App\Http\Controllers\Care\AuditLogController;
 use App\Http\Controllers\Care\BillController;
 use App\Http\Controllers\Care\BranchController;
 use App\Http\Controllers\Care\ConsultationController;
@@ -14,25 +13,28 @@ use App\Http\Controllers\Care\DashboardController;
 use App\Http\Controllers\Care\DepartmentController;
 use App\Http\Controllers\Care\DeviceController;
 use App\Http\Controllers\Care\DrugController;
+use App\Http\Controllers\Care\FinancialObligationController;
+use App\Http\Controllers\Care\IntegrationsController;
 use App\Http\Controllers\Care\InvestigationController;
 use App\Http\Controllers\Care\InvestigationTypeController;
+use App\Http\Controllers\Care\IssueReportController;
 use App\Http\Controllers\Care\MemberController;
 use App\Http\Controllers\Care\OnboardingController;
 use App\Http\Controllers\Care\OutcomeController;
+use App\Http\Controllers\Care\PathwayController;
 use App\Http\Controllers\Care\PatientController;
 use App\Http\Controllers\Care\PatientMessageController;
-use App\Http\Controllers\Care\PathwayController;
 use App\Http\Controllers\Care\PractitionerController;
 use App\Http\Controllers\Care\PrescriptionController;
-use App\Http\Controllers\Care\QueueController;
 use App\Http\Controllers\Care\ProController;
+use App\Http\Controllers\Care\QueueController;
 use App\Http\Controllers\Care\ReportController;
 use App\Http\Controllers\Care\ServiceQueueController;
+use App\Http\Controllers\Care\SettingsController;
 use App\Http\Controllers\Care\SettingsModulesController;
 use App\Http\Controllers\Care\SpecialtyModuleController;
-use App\Http\Controllers\Care\IntegrationsController;
-use App\Http\Controllers\Care\IssueReportController;
-use App\Http\Controllers\Care\SettingsController;
+use App\Http\Controllers\Care\VisitWorkflowController;
+use App\Http\Controllers\NotificationController;
 use Illuminate\Support\Facades\Route;
 
 Route::get('/', fn () => auth()->check()
@@ -92,6 +94,7 @@ Route::middleware(['auth', 'platform.session'])->group(function () {
         Route::post('/queue/{appointment}/start', [QueueController::class, 'start'])->name('care.queue.start');
         Route::post('/queue/{appointment}/recall', [QueueController::class, 'recall'])->name('care.queue.recall');
         Route::post('/queue/{appointment}/complete-ticket', [QueueController::class, 'completeTicket'])->name('care.queue.complete-ticket');
+        Route::post('/visits/{visit}/workflow/advance', [VisitWorkflowController::class, 'advance'])->name('care.visits.workflow.advance');
 
         Route::middleware('care.paid')->group(function () {
             Route::get('/service-queues', [ServiceQueueController::class, 'index'])->name('care.service-queues.index');
@@ -144,6 +147,9 @@ Route::middleware(['auth', 'platform.session'])->group(function () {
             Route::post('/bills/{bill}/payments/gateway', [BillController::class, 'startGatewayPayment'])->name('care.bills.payments.gateway');
             Route::post('/bills/{bill}/void', [BillController::class, 'void'])->name('care.bills.void');
 
+            Route::get('/financial-obligations', [FinancialObligationController::class, 'index'])->name('care.obligations.index');
+            Route::post('/financial-obligations/{financialObligation}/clear', [FinancialObligationController::class, 'clear'])->name('care.obligations.clear');
+
             Route::get('/pharmacy/drugs', [DrugController::class, 'index'])->name('care.pharmacy.drugs.index');
             Route::get('/pharmacy/drugs/create', [DrugController::class, 'create'])->name('care.pharmacy.drugs.create');
             Route::post('/pharmacy/drugs', [DrugController::class, 'store'])->name('care.pharmacy.drugs.store');
diff --git a/tests/Feature/CareFinancialWorkflowRuntimeTest.php b/tests/Feature/CareFinancialWorkflowRuntimeTest.php
new file mode 100644
index 0000000..115e866
--- /dev/null
+++ b/tests/Feature/CareFinancialWorkflowRuntimeTest.php
@@ -0,0 +1,514 @@
+<?php
+
+namespace Tests\Feature;
+
+use App\Http\Middleware\EnsurePlatformSession;
+use App\Models\Appointment;
+use App\Models\Bill;
+use App\Models\Branch;
+use App\Models\FinancialObligation;
+use App\Models\InvestigationRequest;
+use App\Models\InvestigationType;
+use App\Models\Member;
+use App\Models\Organization;
+use App\Models\Patient;
+use App\Models\Payment;
+use App\Models\User;
+use App\Models\Visit;
+use App\Models\VisitStageAdvance;
+use App\Services\Care\AppointmentService;
+use App\Services\Care\CareFeatures;
+use App\Services\Care\CareQueueBridge;
+use App\Services\Care\CareQueueContexts;
+use App\Services\Care\VisitService;
+use App\Services\Care\Workflow\FinancialGateService;
+use App\Services\Care\Workflow\WorkflowEngine;
+use App\Services\Care\Workflow\WorkflowQueueGate;
+use App\Services\Care\Workflow\WorkflowStageCompletionService;
+use App\Services\Care\Workflow\WorkflowTemplateInstaller;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\Http;
+use Tests\TestCase;
+
+class CareFinancialWorkflowRuntimeTest extends TestCase
+{
+    use RefreshDatabase;
+
+    protected User $owner;
+
+    protected Organization $organization;
+
+    protected Branch $branch;
+
+    protected Patient $patient;
+
+    protected function setUp(): void
+    {
+        parent::setUp();
+        $this->withoutMiddleware(EnsurePlatformSession::class);
+
+        config([
+            'care.queue.api_url' => 'https://queue.test/api/v1',
+            'care.queue.api_key' => 'workflow-test-key',
+        ]);
+
+        $this->owner = User::create([
+            'public_id' => 'financial-workflow-owner',
+            'name' => 'Workflow Admin',
+            'email' => 'financial-workflow@example.com',
+        ]);
+
+        $this->organization = Organization::create([
+            'owner_ref' => $this->owner->public_id,
+            'name' => 'Financial Gate Hospital',
+            'slug' => 'financial-gate-hospital',
+            'settings' => [
+                'onboarded' => true,
+                'facility_category' => 'hospital',
+                'plan' => 'pro',
+                'plan_expires_at' => now()->addMonth()->toIso8601String(),
+                'queue_integration_enabled' => true,
+                'rollout' => [
+                    CareFeatures::WORKFLOW_ENGINE => true,
+                    CareFeatures::FINANCIAL_GATES => true,
+                ],
+            ],
+        ]);
+
+        Member::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'user_ref' => $this->owner->public_id,
+            'role' => 'hospital_admin',
+        ]);
+
+        $this->branch = Branch::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'name' => 'Main',
+            'is_active' => true,
+        ]);
+
+        $this->patient = Patient::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'patient_number' => 'WF-0001',
+            'first_name' => 'Akosua',
+            'last_name' => 'Boateng',
+        ]);
+
+        app(WorkflowTemplateInstaller::class)
+            ->install($this->organization, $this->branch, 'public_hospital_gh');
+    }
+
+    protected function checkIn(): Visit
+    {
+        return app(VisitService::class)->checkIn(
+            $this->organization,
+            $this->owner->public_id,
+            $this->patient,
+            $this->branch->id,
+            $this->owner->public_id,
+        );
+    }
+
+    protected function reachConsultation(Visit $visit): FinancialObligation
+    {
+        $engine = app(WorkflowEngine::class);
+        $gate = app(FinancialGateService::class);
+
+        $registration = FinancialObligation::query()
+            ->where('visit_id', $visit->id)
+            ->where('stage_code', 'registration')
+            ->firstOrFail();
+        $gate->clear($registration, 'override', $this->owner->public_id);
+        $engine->refreshGate($visit);
+        $engine->advance($visit); // triage
+        $engine->advance($visit); // consultation
+
+        return FinancialObligation::query()
+            ->where('visit_id', $visit->id)
+            ->where('stage_code', 'consultation')
+            ->firstOrFail();
+    }
+
+    public function test_check_in_starts_workflow_and_blocks_initial_queue_release(): void
+    {
+        $visit = $this->checkIn();
+
+        $advance = app(WorkflowEngine::class)->currentAdvance($visit);
+        $this->assertSame('registration', $advance->stage_code);
+        $this->assertSame(VisitStageAdvance::STATUS_BLOCKED, $advance->status);
+        $this->assertDatabaseHas('care_financial_obligations', [
+            'visit_id' => $visit->id,
+            'stage_code' => 'registration',
+            'status' => FinancialObligation::STATUS_PENDING,
+        ]);
+        $this->assertFalse(app(WorkflowQueueGate::class)->canRelease(
+            $this->organization,
+            $visit,
+            CareQueueContexts::CONSULTATION,
+        ));
+    }
+
+    public function test_queue_bridge_cannot_backfill_a_gated_appointment(): void
+    {
+        Http::fake();
+        $visit = $this->checkIn();
+        $appointment = Appointment::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'patient_id' => $this->patient->id,
+            'visit_id' => $visit->id,
+            'type' => Appointment::TYPE_WALK_IN,
+            'status' => Appointment::STATUS_WAITING,
+            'scheduled_at' => now(),
+            'checked_in_at' => now(),
+            'waiting_at' => now(),
+            'queue_position' => 1,
+        ]);
+
+        app(CareQueueBridge::class)->issueForAppointment($this->organization, $appointment);
+
+        Http::assertNothingSent();
+        $this->assertNull($appointment->fresh()->queue_ticket_uuid);
+    }
+
+    public function test_appointment_page_shows_current_workflow_stage(): void
+    {
+        $visit = $this->checkIn();
+        $appointment = Appointment::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'patient_id' => $this->patient->id,
+            'visit_id' => $visit->id,
+            'type' => Appointment::TYPE_WALK_IN,
+            'status' => Appointment::STATUS_WAITING,
+            'scheduled_at' => now(),
+            'checked_in_at' => now(),
+            'waiting_at' => now(),
+            'queue_position' => 1,
+        ]);
+
+        $this->actingAs($this->owner)
+            ->get(route('care.appointments.show', $appointment))
+            ->assertOk()
+            ->assertSee('Patient journey')
+            ->assertSee('Registration')
+            ->assertSee('financial clearance required')
+            ->assertDontSee('Start consultation');
+    }
+
+    public function test_blocked_visit_cannot_advance_until_current_gate_is_cleared(): void
+    {
+        $visit = $this->checkIn();
+
+        $this->actingAs($this->owner)
+            ->from(route('care.appointments.index'))
+            ->post(route('care.visits.workflow.advance', $visit))
+            ->assertRedirect(route('care.appointments.index'))
+            ->assertSessionHas('error');
+
+        $this->assertSame('registration', app(WorkflowEngine::class)->currentAdvance($visit)->stage_code);
+    }
+
+    public function test_cashier_clearance_creates_bill_payment_and_releases_stage(): void
+    {
+        $visit = $this->checkIn();
+        $consultation = $this->reachConsultation($visit);
+
+        $this->actingAs($this->owner)
+            ->get(route('care.obligations.index'))
+            ->assertOk()
+            ->assertSee('Financial gates')
+            ->assertSee('Akosua Boateng')
+            ->assertSee('Consultation fee');
+
+        $this->actingAs($this->owner)
+            ->post(route('care.obligations.clear', $consultation), [
+                'method' => 'payment',
+                'payment_mode' => 'internal_cashier',
+                'payment_method' => 'cash',
+                'reference' => 'CASH-1001',
+            ])
+            ->assertRedirect()
+            ->assertSessionHas('success');
+
+        $consultation->refresh();
+        $this->assertSame(FinancialObligation::STATUS_PAID, $consultation->status);
+        $this->assertNotNull($consultation->bill_id);
+        $this->assertDatabaseHas('care_bill_line_items', [
+            'bill_id' => $consultation->bill_id,
+            'source_type' => FinancialObligation::class,
+            'source_id' => $consultation->id,
+            'total_minor' => (int) config('care.billing.consultation_fee_minor'),
+        ]);
+        $this->assertDatabaseHas('care_payments', [
+            'bill_id' => $consultation->bill_id,
+            'method' => Payment::METHOD_CASH,
+            'status' => Payment::STATUS_PAID,
+            'reference' => 'CASH-1001',
+        ]);
+        $this->assertSame(Bill::STATUS_PAID, $consultation->bill->fresh()->status);
+        $this->assertSame(VisitStageAdvance::STATUS_ACTIVE, app(WorkflowEngine::class)->currentAdvance($visit)->status);
+        $this->assertTrue(app(WorkflowQueueGate::class)->canRelease(
+            $this->organization,
+            $visit,
+            CareQueueContexts::CONSULTATION,
+        ));
+
+        // A repeated submission must not create a second financial payment.
+        $this->actingAs($this->owner)
+            ->post(route('care.obligations.clear', $consultation), [
+                'method' => 'payment',
+                'payment_mode' => 'internal_cashier',
+                'payment_method' => 'cash',
+            ])
+            ->assertSessionHas('info');
+        $this->assertSame(1, Payment::query()->where('bill_id', $consultation->bill_id)->count());
+    }
+
+    public function test_clinical_stage_cannot_be_manually_skipped(): void
+    {
+        $visit = $this->checkIn();
+        $consultation = $this->reachConsultation($visit);
+        app(FinancialGateService::class)->clear($consultation, 'insurance', $this->owner->public_id);
+        app(WorkflowEngine::class)->refreshGate($visit);
+
+        $this->actingAs($this->owner)
+            ->post(route('care.visits.workflow.advance', $visit))
+            ->assertSessionHas('error');
+
+        $this->assertSame('consultation', app(WorkflowEngine::class)->currentAdvance($visit)->stage_code);
+    }
+
+    public function test_non_insurance_stage_rejects_insurance_clearance(): void
+    {
+        app(WorkflowTemplateInstaller::class)
+            ->install($this->organization, $this->branch, 'herbal_hospital');
+        $visit = $this->checkIn();
+        $obligation = FinancialObligation::query()->where('visit_id', $visit->id)->firstOrFail();
+
+        $this->actingAs($this->owner)
+            ->post(route('care.obligations.clear', $obligation), [
+                'method' => 'insurance',
+            ])
+            ->assertSessionHasErrors('method');
+
+        $this->assertSame(FinancialObligation::STATUS_PENDING, $obligation->fresh()->status);
+    }
+
+    public function test_lab_stage_obligation_uses_requested_test_prices(): void
+    {
+        $visit = $this->checkIn();
+        $consultation = $this->reachConsultation($visit);
+        app(FinancialGateService::class)->clear($consultation, 'insurance', $this->owner->public_id);
+        app(WorkflowEngine::class)->refreshGate($visit);
+
+        $type = InvestigationType::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'name' => 'Full blood count',
+            'code' => 'FBC',
+            'category' => 'blood',
+            'price_minor' => 3500,
+            'is_active' => true,
+        ]);
+        InvestigationRequest::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'visit_id' => $visit->id,
+            'patient_id' => $this->patient->id,
+            'investigation_type_id' => $type->id,
+            'status' => InvestigationRequest::STATUS_PENDING,
+            'priority' => 'routine',
+        ]);
+
+        $advance = app(WorkflowEngine::class)->advance($visit, 'laboratory');
+        $this->assertSame(VisitStageAdvance::STATUS_BLOCKED, $advance->status);
+        $this->assertDatabaseHas('care_financial_obligations', [
+            'visit_id' => $visit->id,
+            'stage_code' => 'laboratory',
+            'amount_minor' => 3500,
+            'status' => FinancialObligation::STATUS_PENDING,
+        ]);
+    }
+
+    public function test_imaging_requests_use_the_imaging_queue_context(): void
+    {
+        $visit = $this->checkIn();
+        $type = InvestigationType::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'name' => 'Chest X-ray',
+            'code' => 'CXR',
+            'category' => 'xray',
+            'price_minor' => 8000,
+            'is_active' => true,
+        ]);
+        $request = InvestigationRequest::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'visit_id' => $visit->id,
+            'patient_id' => $this->patient->id,
+            'investigation_type_id' => $type->id,
+            'status' => InvestigationRequest::STATUS_PENDING,
+            'priority' => 'routine',
+        ]);
+
+        $this->assertSame(
+            CareQueueContexts::IMAGING,
+            app(CareQueueBridge::class)->contextForInvestigation($request),
+        );
+    }
+
+    public function test_settings_exposes_workflow_controls_and_herbal_categories(): void
+    {
+        $this->actingAs($this->owner)
+            ->get(route('care.settings'))
+            ->assertOk()
+            ->assertSee('Patient journey workflow')
+            ->assertSee('Enforce payment and authorization gates')
+            ->assertSee('Herbal hospital')
+            ->assertSee('Herbal clinic');
+    }
+
+    public function test_completing_consultation_appointment_advances_instead_of_closing_visit(): void
+    {
+        Http::fake();
+        $visit = $this->checkIn();
+        $consultationObligation = $this->reachConsultation($visit);
+        app(FinancialGateService::class)->clear($consultationObligation, 'payment', $this->owner->public_id);
+        app(WorkflowEngine::class)->refreshGate($visit);
+
+        $appointment = Appointment::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'patient_id' => $this->patient->id,
+            'visit_id' => $visit->id,
+            'type' => Appointment::TYPE_WALK_IN,
+            'status' => Appointment::STATUS_IN_CONSULTATION,
+            'scheduled_at' => now(),
+            'checked_in_at' => now(),
+            'waiting_at' => now(),
+            'started_at' => now(),
+            'queue_position' => 1,
+        ]);
+
+        app(AppointmentService::class)->complete(
+            $appointment,
+            $this->owner->public_id,
+            $this->owner->public_id,
+        );
+
+        $this->assertSame(Appointment::STATUS_COMPLETED, $appointment->fresh()->status);
+        $this->assertNotSame(Visit::STATUS_COMPLETED, $visit->fresh()->status);
+        $this->assertSame('pharmacy', app(WorkflowEngine::class)->currentAdvance($visit)->stage_code);
+    }
+
+    public function test_completed_lab_stage_returns_patient_to_a_new_consultation_queue(): void
+    {
+        Http::fake();
+        $visit = $this->checkIn();
+        $consultation = $this->reachConsultation($visit);
+        app(FinancialGateService::class)->clear($consultation, 'insurance', $this->owner->public_id);
+        app(WorkflowEngine::class)->refreshGate($visit);
+
+        $appointment = Appointment::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'patient_id' => $this->patient->id,
+            'visit_id' => $visit->id,
+            'type' => Appointment::TYPE_WALK_IN,
+            'status' => Appointment::STATUS_COMPLETED,
+            'scheduled_at' => now(),
+            'checked_in_at' => now(),
+            'completed_at' => now(),
+            'queue_position' => 1,
+        ]);
+        $type = InvestigationType::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'name' => 'Malaria test',
+            'code' => 'MAL',
+            'category' => 'blood',
+            'price_minor' => 3000,
+            'is_active' => true,
+        ]);
+        InvestigationRequest::create([
+            'owner_ref' => $this->owner->public_id,
+            'organization_id' => $this->organization->id,
+            'branch_id' => $this->branch->id,
+            'visit_id' => $visit->id,
+            'patient_id' => $this->patient->id,
+            'investigation_type_id' => $type->id,
+            'status' => InvestigationRequest::STATUS_COMPLETED,
+            'priority' => 'routine',
+        ]);
+
+        $labAdvance = app(WorkflowEngine::class)->advance($visit, 'laboratory');
+        $labObligation = FinancialObligation::query()
+            ->where('workflow_stage_id', $labAdvance->workflow_stage_id)
+            ->where('visit_id', $visit->id)
+            ->firstOrFail();
+        app(FinancialGateService::class)->clear($labObligation, 'insurance', $this->owner->public_id);
+        app(WorkflowEngine::class)->refreshGate($visit);
+
+        app(WorkflowStageCompletionService::class)->complete(
+            $this->organization,
+            $visit,
+            CareQueueContexts::LABORATORY,
+            $this->owner->public_id,
+            $this->owner->public_id,
+        );
+
+        $this->assertSame('consultation', app(WorkflowEngine::class)->currentAdvance($visit)->stage_code);
+        $this->assertSame(Appointment::STATUS_WAITING, $appointment->fresh()->status);
+    }
+
+    public function test_disabled_workflow_keeps_legacy_check_in_behavior(): void
+    {
+        $settings = $this->organization->settings;
+        data_set($settings, 'rollout.'.CareFeatures::WORKFLOW_ENGINE, false);
+        data_set($settings, 'rollout.'.CareFeatures::FINANCIAL_GATES, false);
+        $this->organization->update(['settings' => $settings]);
+
+        $visit = $this->checkIn();
+
+        $this->assertDatabaseMissing('care_visit_stage_advances', ['visit_id' => $visit->id]);
+        $this->assertTrue(app(WorkflowQueueGate::class)->canRelease(
+            $this->organization->fresh(),
+            $visit,
+            CareQueueContexts::CONSULTATION,
+        ));
+    }
+
+    public function test_enabling_financial_gates_rechecks_an_active_visit_stage(): void
+    {
+        $settings = $this->organization->settings;
+        data_set($settings, 'rollout.'.CareFeatures::FINANCIAL_GATES, false);
+        $this->organization->update(['settings' => $settings]);
+
+        $visit = $this->checkIn();
+        $this->assertSame(VisitStageAdvance::STATUS_ACTIVE, app(WorkflowEngine::class)->currentAdvance($visit)->status);
+        $this->assertDatabaseMissing('care_financial_obligations', ['visit_id' => $visit->id]);
+
+        data_set($settings, 'rollout.'.CareFeatures::FINANCIAL_GATES, true);
+        $this->organization->update(['settings' => $settings]);
+
+        $advance = app(WorkflowEngine::class)->refreshGate($visit);
+        $this->assertSame(VisitStageAdvance::STATUS_BLOCKED, $advance->status);
+        $this->assertDatabaseHas('care_financial_obligations', [
+            'visit_id' => $visit->id,
+            'stage_code' => 'registration',
+            'status' => FinancialObligation::STATUS_PENDING,
+        ]);
+    }
+}
diff --git a/tests/Feature/CareWorkflowEngineTest.php b/tests/Feature/CareWorkflowEngineTest.php
index 1ba68db..0ed3a89 100644
--- a/tests/Feature/CareWorkflowEngineTest.php
+++ b/tests/Feature/CareWorkflowEngineTest.php
@@ -11,6 +11,7 @@ use App\Models\Patient;
 use App\Models\User;
 use App\Models\Visit;
 use App\Models\VisitStageAdvance;
+use App\Services\Care\CareFeatures;
 use App\Services\Care\OrganizationResolver;
 use App\Services\Care\Workflow\FinancialGateService;
 use App\Services\Care\Workflow\WorkflowEngine;
@@ -44,7 +45,14 @@ class CareWorkflowEngineTest extends TestCase
             'owner_ref' => $this->owner->public_id,
             'name' => 'Gate Hospital',
             'slug' => 'gate-hospital',
-            'settings' => ['onboarded' => true, 'facility_category' => 'hospital'],
+            'settings' => [
+                'onboarded' => true,
+                'facility_category' => 'hospital',
+                'rollout' => [
+                    CareFeatures::WORKFLOW_ENGINE => true,
+                    CareFeatures::FINANCIAL_GATES => true,
+                ],
+            ],
         ]);
 
         Member::create([