feat(payments): remove EFT/havale, Stripe-only checkout + Turkish locale

EFT/Havale was retired; Stripe is now the sole payment method. Remove the
EFT code surface (shared PaymentMethod "eft" + EftPaymentInput + eftReceiptUrl,
EFT_RECEIPT_REQUIRED error code, billing UI receipt/filter/label paths,
payments.service eft read paths). DB columns (eft_receipt_url, bank_account_id,
bank_accounts) are kept and marked @deprecated to preserve historical records
and avoid a destructive migration — same pattern as the retired iyzico column.

Faz 3 conversion lever: set locale "tr" on the Stripe Checkout session. The
audience is Turkish B2B and ~60% of sessions reached the foreign-language
hosted page but never started a payment intent (pure abandonment, not decline).

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

apps/api/src/database/schema/core.ts

@@ -184,7 +184,9 @@ export const userBrands = pgTable(
   ],
 );
 
-// ─── Bank Accounts (EFT/Havale destination accounts, one active at a time) ────
+// ─── Bank Accounts ───────────────────────────────────
+// @deprecated EFT/Havale was retired (Stripe is the sole payment method). Table
+// kept only to preserve historical FK integrity; no rows are created anymore.
 export const bankAccounts = pgTable(
   "bank_accounts",
   {
@@ -225,7 +227,9 @@ export const payments = pgTable(
     iyzicoPaymentId: text("iyzico_payment_id"),
     stripeSessionId: text("stripe_session_id"),
     stripePaymentIntentId: text("stripe_payment_intent_id"),
+    /** @deprecated EFT/Havale retired (Stripe-only). Kept for historical data. */
     bankAccountId: uuid("bank_account_id").references(() => bankAccounts.id),
+    /** @deprecated EFT/Havale retired (Stripe-only). Kept for historical data. */
     eftReceiptUrl: text("eft_receipt_url"),
     adminNote: text("admin_note"),
     createdAt: timestamp("created_at", { withTimezone: true }).defaultNow().notNull(),

apps/api/src/payments/payments.service.ts

@@ -16,9 +16,9 @@ export class PaymentsService {
   /**
    * Payment history for the billing page. Returns a curated projection — never
    * the raw row — so internal columns (adminNote, iyzicoPaymentId,
-   * bankAccountId, session/intent ids) are not leaked to the client. planName
-   * is joined from the subscription's plan; Stripe receipt availability is
-   * surfaced as a boolean rather than exposing the payment intent id.
+   * session/intent ids) are not leaked to the client. planName is joined from
+   * the subscription's plan; Stripe receipt availability is surfaced as a
+   * boolean rather than exposing the payment intent id.
    */
   async getMyPayments(userId: string) {
     const rows = await this.db
@@ -29,7 +29,6 @@ export class PaymentsService {
         status: payments.status,
         createdAt: payments.createdAt,
         planName: plans.name,
-        eftReceiptUrl: payments.eftReceiptUrl,
         stripePaymentIntentId: payments.stripePaymentIntentId,
       })
       .from(payments)
@@ -45,16 +44,15 @@ export class PaymentsService {
       status: row.status,
       createdAt: row.createdAt,
       planName: row.planName ?? null,
-      eftReceiptUrl: row.eftReceiptUrl ?? null,
       hasStripeReceipt:
         row.method === "stripe" && row.status === "completed" && !!row.stripePaymentIntentId,
     }));
   }
 
   /**
-   * Resolve a receipt URL for one of the current user's payments.
-   * EFT receipts are stored locally; Stripe receipts are fetched live from the
-   * payment intent's latest charge. Returns { url: null } when none exists.
+   * Resolve a receipt URL for one of the current user's payments. Stripe is the
+   * sole payment method; receipts are fetched live from the payment intent's
+   * latest charge. Returns { url: null } when none exists.
    */
   async getReceiptUrl(userId: string, paymentId: string): Promise<{ url: string | null }> {
     const [payment] = await this.db
@@ -67,10 +65,6 @@ export class PaymentsService {
       throw new NotFoundException("Payment not found");
     }
 
-    if (payment.eftReceiptUrl) {
-      return { url: payment.eftReceiptUrl };
-    }
-
     if (payment.method === "stripe" && payment.stripePaymentIntentId) {
       return { url: await this.stripeService.getReceiptUrl(payment.stripePaymentIntentId) };
     }

apps/api/src/payments/stripe/stripe.service.ts

@@ -143,6 +143,10 @@ export class StripeService {
 
     const session = await this.stripe.checkout.sessions.create({
       mode: "payment",
+      // Render Stripe's hosted page in Turkish. The audience is Turkish B2B; a
+      // foreign-language checkout is a known abandonment driver (~60% of sessions
+      // reached the page but never started a payment intent).
+      locale: "tr",
       payment_method_types: ["card"],
       customer_email: userEmail,
       line_items: [

apps/web/src/messages/en.json

@@ -489,8 +489,7 @@
       "refunded": "Refunded"
     },
     "methodLabels": {
-      "stripe": "Credit Card",
-      "eft": "EFT/Wire"
+      "stripe": "Credit Card"
     },
     "summary": {
       "title": "Current Plan",

apps/web/src/messages/tr.json

@@ -489,8 +489,7 @@
       "refunded": "İade"
     },
     "methodLabels": {
-      "stripe": "Kredi Kartı",
-      "eft": "EFT/Havale"
+      "stripe": "Kredi Kartı"
     },
     "summary": {
       "title": "Mevcut Plan",

apps/web/src/routes/dashboard/billing.tsx

@@ -8,7 +8,7 @@ import { Button } from "@sase/ui";
 import { Skeleton } from "@sase/ui";
 import { useQuery } from "@tanstack/react-query";
 import { Link, createFileRoute } from "@tanstack/react-router";
-import { ArrowRight, Download, Filter, HelpCircle, Receipt, ReceiptText } from "lucide-react";
+import { ArrowRight, Filter, HelpCircle, Receipt, ReceiptText } from "lucide-react";
 import { useState } from "react";
 
 export const Route = createFileRoute("/dashboard/billing")({
@@ -26,10 +26,11 @@ interface Subscription {
 interface Payment {
   id: string;
   amount: number;
-  method: "stripe" | "eft";
+  // Stripe is the sole method; kept as string so retired historical values
+  // (iyzico/eft) still render in the history table.
+  method: string;
   status: "completed" | "pending" | "failed" | "refunded";
   planName?: string | null;
-  eftReceiptUrl?: string | null;
   hasStripeReceipt?: boolean;
   createdAt: string;
 }
@@ -213,7 +214,7 @@ function BillingPage() {
             onChange={setMethodFilter}
             options={[
               { value: "all", label: t("common.all") },
-              ...["stripe", "eft"].map((m) => ({
+              ...["stripe"].map((m) => ({
                 value: m,
                 label: t(`billing.methodLabels.${m}`),
               })),
@@ -309,7 +310,9 @@ function BillingPage() {
                       </td>
                       <td data-label={t("billing.method")} className={`${TD} sm:text-center`}>
                         <Badge variant={payment.method === "stripe" ? "secondary" : "outline"}>
-                          {t(`billing.methodLabels.${payment.method}`)}
+                          {payment.method === "stripe"
+                            ? t("billing.methodLabels.stripe")
+                            : payment.method.toUpperCase()}
                         </Badge>
                       </td>
                       <td data-label={t("billing.status")} className={`${TD} sm:text-center`}>
@@ -329,19 +332,7 @@ function BillingPage() {
                         </span>
                       </td>
                       <td className="block pt-3 text-right sm:table-cell sm:py-4 sm:pt-4">
-                        {payment.eftReceiptUrl ? (
-                          <Button variant="outline" size="sm" asChild>
-                            <a
-                              href={payment.eftReceiptUrl}
-                              target="_blank"
-                              rel="noopener noreferrer"
-                              download
-                            >
-                              <Download className="mr-1 h-3 w-3" />
-                              {t("billing.downloadReceipt")}
-                            </a>
-                          </Button>
-                        ) : payment.hasStripeReceipt ? (
+                        {payment.hasStripeReceipt ? (
                           <Button
                             variant="outline"
                             size="sm"

packages/shared/src/constants/error-codes.ts

@@ -19,7 +19,6 @@ export const ERROR_CODES = {
 
   // Payment
   PAYMENT_FAILED: "PAY_001",
-  EFT_RECEIPT_REQUIRED: "PAY_003",
   PAYMENT_ALREADY_PROCESSED: "PAY_004",
 
   // General

packages/shared/src/index.spec.ts

@@ -896,7 +896,6 @@ describe("ERROR_CODES", () => {
 
   it("has payment error codes", () => {
     expect(ERROR_CODES.PAYMENT_FAILED).toBe("PAY_001");
-    expect(ERROR_CODES.EFT_RECEIPT_REQUIRED).toBe("PAY_003");
     expect(ERROR_CODES.PAYMENT_ALREADY_PROCESSED).toBe("PAY_004");
   });
 

packages/shared/src/index.ts

@@ -15,7 +15,6 @@ export type {
   Payment,
   PaymentMethod,
   PaymentStatus,
-  EftPaymentInput,
 } from "./types/payment.js";
 export type { ApiResponse, ApiError, PaginationMeta } from "./types/api-response.js";
 export type { PaginationInput, PaginatedResult } from "./types/pagination.js";

packages/shared/src/types/payment.ts

@@ -6,15 +6,12 @@ export interface Payment {
   currency: string;
   method: PaymentMethod;
   status: PaymentStatus;
-  eftReceiptUrl: string | null;
   adminNote: string | null;
   createdAt: Date;
   updatedAt: Date;
 }
 
-export type PaymentMethod = "stripe" | "eft";
+// Stripe is the sole payment method. "iyzico"/"eft" are retired methods kept
+// only as historical values in the DB `method` column — never offered to users.
+export type PaymentMethod = "stripe";
 export type PaymentStatus = "pending" | "completed" | "failed" | "refunded";
-
-export interface EftPaymentInput {
-  subscriptionId: string;
-}