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) {

config/pos.php

@@ -46,7 +46,7 @@ return [
 
     'upgrade_banner' => [
         'title' => 'Unlock POS Pro or Business',
-        'description' => 'Unlimited registers & catalog, stock tracking & ecosystem sync — from GHS 790/mo.',
+        'description' => 'Your own payment gateway, unlimited catalog, multi-branch & team — from GHS 790/mo.',
         'route' => 'pos.pro.index',
     ],
 ];

resources/views/pos/settings.blade.php

@@ -123,8 +123,9 @@
 
                 <div class="border-t border-slate-100 pt-4">
                     <p class="text-sm font-semibold text-slate-900">Payment gateway</p>
-                    <p class="mt-1 text-xs text-slate-400">Connect Paystack, Flutterwave, or Hubtel. Online checkouts go 100% to you — 0% Ladill fee.</p>
+                    <p class="mt-1 text-xs text-slate-400">Connect Paystack, Flutterwave, or Hubtel. Online checkouts go 100% to you — 0% Ladill fee. Pro &amp; Business plans only.</p>
                 </div>
+                @if ($canUsePaymentGateway ?? false)
                     <div>
                         <label class="text-sm font-medium text-slate-700">Provider</label>
                         <select name="gateway_provider" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500">
@@ -161,6 +162,13 @@
                     @else
                         <p class="rounded-xl bg-amber-50 px-3 py-2 text-sm text-amber-800">Online checkouts stay disabled until a gateway is connected.</p>
                     @endif
+                @else
+                    <div class="rounded-xl 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 and take card / MoMo payments with 0% Ladill fee. Cash sales stay free.</p>
+                        <a href="{{ route('pos.pro.index') }}" class="mt-3 inline-flex text-sm font-semibold text-indigo-700 hover:text-indigo-900">View plans →</a>
+                    </div>
+                @endif
 
                 <div class="flex justify-end">
                     <button type="submit" class="btn-primary">Save settings</button>

tests/Feature/PosProTest.php

@@ -2,6 +2,7 @@
 
 namespace Tests\Feature;
 
+use App\Http\Middleware\EnsurePlatformSession;
 use App\Models\Pos\ProSubscription;
 use App\Models\User;
 use App\Services\Pos\SubscriptionService;
@@ -16,6 +17,7 @@ class PosProTest extends TestCase
     protected function setUp(): void
     {
         parent::setUp();
+        $this->withoutMiddleware(EnsurePlatformSession::class);
         config([
             'billing.api_url' => 'https://ladill.com/api/billing',
             'billing.api_key' => 'pos-billing-key',
@@ -49,6 +51,62 @@ class PosProTest extends TestCase
         $this->assertFalse(app(SubscriptionService::class)->canUseRestaurantMode($this->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));
+    }
+
+    public function test_free_user_settings_ignores_gateway_credentials(): void
+    {
+        $user = $this->user();
+        \App\Models\PosLocation::create([
+            'owner_ref' => $user->public_id,
+            'name' => 'Main',
+            'currency' => 'GHS',
+        ]);
+
+        $this->actingAs($user)
+            ->put(route('pos.settings.update'), [
+                'name' => 'Main',
+                'currency' => 'GHS',
+                'service_style' => 'retail',
+                'printer_paper_mm' => 80,
+                'gateway_provider' => \App\Models\PaymentGatewaySetting::PROVIDER_PAYSTACK,
+                'gateway_public_key' => 'pk_free_blocked',
+                'gateway_secret_key' => 'sk_free_blocked',
+                'gateway_is_active' => '1',
+            ])
+            ->assertRedirect()
+            ->assertSessionHas('success');
+
+        $this->assertNull(
+            \App\Models\PaymentGatewaySetting::query()->where('owner_ref', $user->public_id)->first()
+        );
+    }
+
     public function test_subscribe_enterprise_charges_wallet_and_activates(): void
     {
         Http::fake(['*/debit' => Http::response(['id' => 1], 201)]);