Gate payment gateway behind Pro and Business plans.

Free accounts keep cash sales only; connecting a gateway and card/MoMo
checkout require a paid plan, with settings upsell copy for free users.

app/Http/Controllers/Pos/SettingsController.php

@@ -53,6 +53,7 @@ class SettingsController extends Controller
             'tables' => $this->scopeToLocation($request, PosTable::owned($owner))
                 ->orderBy('area')->orderBy('position')->orderBy('label')->get(),
             'gateway' => $this->gateway->settingFor($account),
+            'canUsePaymentGateway' => $this->subscriptions->canUsePaymentGateway($account),
         ]);
     }
 
@@ -144,6 +145,7 @@ class SettingsController extends Controller
     /**
      * Upsert merchant gateway credentials for the acting account.
      * Blank secret fields keep the previously stored encrypted values.
+     * Free plan cannot connect or change gateway credentials.
      */
     protected function persistGateway(Request $request, User $user): void
     {
@@ -160,6 +162,11 @@ class SettingsController extends Controller
             return;
         }
 
+        if (! $this->subscriptions->canUsePaymentGateway($user)) {
+            // Ignore gateway fields on free plan (other settings may still save).
+            return;
+        }
+
         $attributes = [
             'provider' => $provider !== '' ? $provider : $existing->provider,
             'is_active' => $request->boolean('gateway_is_active'),

app/Services/Payments/MerchantGatewayService.php

@@ -4,6 +4,7 @@ namespace App\Services\Payments;
 
 use App\Models\PaymentGatewaySetting;
 use App\Models\User;
+use App\Services\Pos\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}

app/Services/Pos/SubscriptionService.php

@@ -69,6 +69,12 @@ 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 productCount(string $ownerRef, bool $restaurant): int
     {
         if ($restaurant) {