Gate payment gateway behind Pro and Business plans.

Free accounts can no longer connect or use Paystack/Flutterwave/Hubtel;
settings show an upgrade path and checkout requires a paid subscription.

app/Http/Controllers/Qr/AccountController.php

@@ -6,6 +6,7 @@ use App\Http\Controllers\Controller;
 use App\Models\PaymentGatewaySetting;
 use App\Models\QrSetting;
 use App\Services\Billing\BillingClient;
+use App\Services\Events\SubscriptionService;
 use App\Services\Payments\MerchantGatewayService;
 use App\Support\AccountBranding;
 use App\Support\Qr\QrCornerStyleCatalog;
@@ -21,6 +22,7 @@ class AccountController extends Controller
     public function __construct(
         private BillingClient $billing,
         private MerchantGatewayService $gateway,
+        private SubscriptionService $subscriptions,
     ) {}
 
     private function topupUrl(): string
@@ -83,6 +85,7 @@ class AccountController extends Controller
             'cornerInnerStyles' => QrCornerStyleCatalog::innerStyles(),
             'frameStyles' => QrFrameStyleCatalog::visible(),
             'gateway' => $this->gateway->settingFor($account),
+            'canUsePaymentGateway' => $this->subscriptions->canUsePaymentGateway($account),
         ]);
     }
 
@@ -164,7 +167,7 @@ class AccountController extends Controller
         );
 
         $provider = (string) ($data['gateway_provider'] ?? '');
-        if ($provider !== '') {
+        if ($provider !== '' && $this->subscriptions->canUsePaymentGateway($account)) {
             $existing = PaymentGatewaySetting::query()->firstOrNew([
                 'owner_ref' => $account->public_id,
             ]);

app/Services/Events/SubscriptionService.php

@@ -74,6 +74,12 @@ class SubscriptionService
         return $this->hasPaidPlan($user);
     }
 
+    /** Own payment gateway (Paystack / Flutterwave / Hubtel) requires Pro or Business. */
+    public function canUsePaymentGateway(User $user): bool
+    {
+        return $this->hasPaidPlan($user);
+    }
+
     public function liveEventCount(User $user): int
     {
         return QrCode::query()

app/Services/Payments/MerchantGatewayService.php

@@ -4,6 +4,7 @@ namespace App\Services\Payments;
 
 use App\Models\PaymentGatewaySetting;
 use App\Models\User;
+use App\Services\Events\SubscriptionService;
 use Illuminate\Support\Facades\Http;
 use RuntimeException;
 
@@ -18,6 +19,10 @@ class MerchantGatewayService
 
     public function isConfigured(User|string $owner): bool
     {
+        if (! $this->ownerMayUseGateway($owner)) {
+            return false;
+        }
+
         return (bool) $this->settingFor($owner)?->isConfigured();
     }
 
@@ -62,6 +67,10 @@ class MerchantGatewayService
 
     protected function requireConfigured(User|string $owner): PaymentGatewaySetting
     {
+        if (! $this->ownerMayUseGateway($owner)) {
+            throw new RuntimeException('Connecting your own payment gateway requires a paid plan. Upgrade to Pro or Business.');
+        }
+
         $setting = $this->settingFor($owner);
         if (! $setting?->isConfigured()) {
             throw new RuntimeException('Connect Paystack, Flutterwave, or Hubtel in Settings before accepting online payments.');
@@ -70,6 +79,19 @@ class MerchantGatewayService
         return $setting;
     }
 
+    protected function ownerMayUseGateway(User|string $owner): bool
+    {
+        $user = $owner instanceof User
+            ? $owner
+            : User::query()->where('public_id', (string) $owner)->first();
+
+        if (! $user) {
+            return false;
+        }
+
+        return app(SubscriptionService::class)->canUsePaymentGateway($user);
+    }
+
     /**
      * @param  array<string, mixed>  $metadata
      * @return array{checkout_url: string, reference: string, provider: string}

resources/views/qr/account/settings.blade.php

@@ -272,8 +272,9 @@
             <div class="rounded-2xl border border-slate-200 bg-white p-5 space-y-4">
                 <div>
                     <h2 class="text-base font-semibold text-slate-900">Payment gateway</h2>
-                    <p class="mt-1 text-sm text-slate-500">Connect Paystack, Flutterwave, or Hubtel. Ticket and contribution payments go 100% to you — 0% Ladill platform fee.</p>
+                    <p class="mt-1 text-sm text-slate-500">Connect Paystack, Flutterwave, or Hubtel. Ticket and contribution payments go 100% to you — 0% Ladill platform fee. Pro &amp; Business only.</p>
                 </div>
+                @if ($canUsePaymentGateway ?? false)
                     <div>
                         <label class="text-sm font-medium text-slate-700">Provider</label>
                         <select name="gateway_provider" class="mt-1 w-full rounded-lg border-slate-200">
@@ -307,6 +308,13 @@
                     @else
                         <p class="rounded-lg bg-amber-50 px-3 py-2 text-sm text-amber-800">Paid checkouts stay disabled until a gateway is connected.</p>
                     @endif
+                @else
+                    <div class="rounded-lg border border-indigo-100 bg-indigo-50 px-4 py-3 text-sm text-indigo-900">
+                        <p class="font-medium">Your own payment gateway is a Pro feature</p>
+                        <p class="mt-1 text-indigo-800/80">Upgrade to Pro or Business to connect Paystack, Flutterwave, or Hubtel for paid tickets and contributions with 0% Ladill fee.</p>
+                        <a href="{{ route('events.pro.index') }}" class="mt-3 inline-flex text-sm font-semibold text-indigo-700 hover:text-indigo-900">View plans →</a>
+                    </div>
+                @endif
             </div>
 
             <button type="submit" class="btn-primary">

tests/Feature/EventsProTest.php

@@ -75,4 +75,32 @@ class EventsProTest extends TestCase
         $this->assertTrue($svc->canCreateEvent($user));
         $this->assertSame(0, $svc->liveEventCount($user));
     }
+
+    public function test_free_user_cannot_use_payment_gateway(): void
+    {
+        $user = $this->user();
+        $svc = app(SubscriptionService::class);
+
+        $this->assertFalse($svc->canUsePaymentGateway($user));
+        $this->assertFalse(app(\App\Services\Payments\MerchantGatewayService::class)->isConfigured($user));
+    }
+
+    public function test_pro_user_can_use_payment_gateway_when_configured(): void
+    {
+        Http::fake(['*/debit' => Http::response(['id' => 1], 201)]);
+        $user = $this->user();
+        $svc = app(SubscriptionService::class);
+        $svc->subscribe($user);
+
+        \App\Models\PaymentGatewaySetting::create([
+            'owner_ref' => $user->public_id,
+            'provider' => \App\Models\PaymentGatewaySetting::PROVIDER_PAYSTACK,
+            'public_key' => 'pk_test',
+            'secret_key' => 'sk_test',
+            'is_active' => true,
+        ]);
+
+        $this->assertTrue($svc->canUsePaymentGateway($user));
+        $this->assertTrue(app(\App\Services\Payments\MerchantGatewayService::class)->isConfigured($user));
+    }
 }