chore(payments): remove EFT/bank-transfer method, keep Stripe only

Removes the EFT (havale) payment surface across API, web, i18n, and docs.
Card payment via Stripe is now the only checkout path.

API (apps/api/src):
- Delete payments/bank-accounts/ module (controller + service + module)
- payments.service: drop EFT methods (createEftPayment, uploadEftReceipt,
  approveEft, rejectEft, getActiveBankInfo, getPendingEftPayments) and the
  BankAccountsService dependency
- payments.controller: drop /payments/eft, /payments/eft/:id/{receipt,approve,reject},
  /payments/bank-info, /payments/pending; keep /payments/me
- payments.module: drop BankAccountsModule import
- admin.service: drop pending EFT counter from getDashboardStats; drop
  getPendingPayments (admin EFT approval list)
- admin.controller: drop /admin/payments/pending endpoint
- admin.service.spec: drop the getPendingPayments + pendingPayments assertions

Web (apps/web/src):
- Delete components/payment/bank-transfer-card.tsx
- Delete routes/dashboard/admin/payments.tsx (EFT approval page); regenerate
  routeTree.gen.ts
- subscription/index.tsx: drop EFT tab from PaymentMethodSection, drop the
  paymentMethod state + handleEftCompleted, simplify ConfirmationCard to the
  Stripe-only path, drop unused imports (Tabs, BankTransferCard, Building2)
- billing.tsx: drop "eft" from method filter chips; keep methodLabels.eft and
  the legacy receipt download so historical EFT records still display
- dashboard.tsx + admin/index.tsx: drop /dashboard/admin/payments from the
  sidebar + admin quick-link grid; trim unused icon imports; KEYS_6 → KEYS_5
  for the now-5-card admin stats skeleton
- messages/{tr,en}.json: strip every EFT-only key under payment.* (eftTransfer,
  eftConfirmationDescription, eftPaid, eftStatus, bank.*, uploadReceipt* etc.)

Schema (apps/api/src/database/schema):
- bankAccounts table + payments.bankAccountId column are kept as-is: legacy
  EFT payments remain visible on the billing page and the schema preserves
  historical records.

Docs:
- README.md: "Stripe (kart) + EFT" → "Stripe (kart)"
- CLAUDE.md: stack table + PaymentsModule row + payments table note + route
  list updated; admin EFT approval route removed

Verification:
- pnpm typecheck: green (api + web + shared + config + ui)
- pnpm lint: green
- pnpm test: 20 web tests pass, 173 api tests pass

apps/web/src/routes/dashboard.tsx

@@ -13,7 +13,6 @@ import {
   BookOpen,
   Copy,
   CreditCard,
-  DollarSign,
   FlaskConical,
   History,
   LayoutDashboard,
@@ -67,7 +66,6 @@ const supportItems = [
 const adminItems = [
   { to: "/dashboard/admin", label: "Yönetim Paneli", icon: Shield },
   { to: "/dashboard/admin/users", label: "Kullanıcılar", icon: Users },
-  { to: "/dashboard/admin/payments", label: "Ödemeler", icon: DollarSign },
   { to: "/dashboard/admin/analytics", label: "Analitik", icon: BarChart3 },
   { to: "/dashboard/admin/copy-logs", label: "OEM Kopyalama", icon: Copy },
   { to: "/dashboard/admin/referrals", label: "Referanslar", icon: Share2 },

apps/web/src/routes/dashboard/admin/index.tsx

@@ -1,7 +1,7 @@
 import { useAuth } from "@/hooks/use-auth";
 import { api } from "@/lib/api-client";
 import { useTranslation } from "@/lib/i18n";
-import { KEYS_6 } from "@/lib/keys";
+import { KEYS_5 } from "@/lib/keys";
 import { formatTRY } from "@sase/shared";
 import { Card, CardContent } from "@sase/ui";
 import { Skeleton } from "@sase/ui";
@@ -10,10 +10,8 @@ import { useQuery } from "@tanstack/react-query";
 import { Link, createFileRoute, useNavigate } from "@tanstack/react-router";
 import {
   Activity,
-  Clock,
   Copy,
   CreditCard,
-  Receipt,
   Search,
   TrendingUp,
   UserCog,
@@ -39,7 +37,6 @@ interface DashboardStats {
   totalRevenue: number;
   totalQueries: number;
   newUsersThisMonth: number;
-  pendingPayments: number;
 }
 
 interface DailyStat {
@@ -77,7 +74,7 @@ function AdminDashboardPage() {
       <div className="space-y-6">
         <Skeleton className="h-8 w-48" />
         <div className="grid grid-cols-1 gap-4 md:grid-cols-2 lg:grid-cols-3">
-          {KEYS_6.map((__k) => (
+          {KEYS_5.map((__k) => (
             <Skeleton key={__k} className="h-32" />
           ))}
         </div>
@@ -123,13 +120,6 @@ function AdminDashboardPage() {
       color: "text-orange-600",
       bg: "bg-orange-50",
     },
-    {
-      label: "Bekleyen Odeme",
-      value: stats?.pendingPayments ?? 0,
-      icon: Clock,
-      color: "text-red-600",
-      bg: "bg-red-50",
-    },
   ];
 
   const quickLinks = [
@@ -138,11 +128,6 @@ function AdminDashboardPage() {
       label: "Kullanici Yonetimi",
       icon: UserCog,
     },
-    {
-      to: "/dashboard/admin/payments",
-      label: "Odeme Onaylari",
-      icon: Receipt,
-    },
     {
       to: "/dashboard/admin/analytics",
       label: "Sorgu Analizi",
@@ -182,7 +167,7 @@ function AdminDashboardPage() {
       {/* Stat Cards */}
       {statsLoading ? (
         <div className="grid grid-cols-1 gap-4 md:grid-cols-2 lg:grid-cols-3">
-          {KEYS_6.map((__k) => (
+          {KEYS_5.map((__k) => (
             <Skeleton key={__k} className="h-32" />
           ))}
         </div>

apps/web/src/routes/dashboard/admin/payments.tsx

@@ -1,234 +0,0 @@
-import { useAuth } from "@/hooks/use-auth";
-import { api } from "@/lib/api-client";
-import { useTranslation } from "@/lib/i18n";
-import { formatTRY } from "@sase/shared";
-import { Card, CardContent } from "@sase/ui";
-import { Button } from "@sase/ui";
-import { Badge } from "@sase/ui";
-import { Skeleton } from "@sase/ui";
-import { useMutation, useQuery, useQueryClient } from "@tanstack/react-query";
-import { createFileRoute, useNavigate } from "@tanstack/react-router";
-import { AlertTriangle, CheckCircle, ExternalLink, Receipt, XCircle } from "lucide-react";
-import { useEffect, useState } from "react";
-
-import { KEYS_5 } from "@/lib/keys";
-export const Route = createFileRoute("/dashboard/admin/payments")({
-  component: AdminPaymentsPage,
-});
-
-interface PendingPayment {
-  id: string;
-  userId: string;
-  userName: string;
-  userEmail: string;
-  subscriptionId: string;
-  amount: number;
-  currency: string;
-  method: string;
-  status: string;
-  eftReceiptUrl: string | null;
-  createdAt: string;
-}
-
-function AdminPaymentsPage() {
-  const { t } = useTranslation();
-  const { user, isLoading: authLoading } = useAuth();
-  const navigate = useNavigate();
-  const queryClient = useQueryClient();
-  const [confirmAction, setConfirmAction] = useState<{
-    id: string;
-    type: "approve" | "reject";
-  } | null>(null);
-
-  useEffect(() => {
-    if (!authLoading && user?.role !== "admin") {
-      navigate({ to: "/dashboard/search" });
-    }
-  }, [authLoading, user, navigate]);
-
-  const { data: payments, isLoading } = useQuery({
-    queryKey: ["admin", "payments", "pending"],
-    queryFn: () => api.get<PendingPayment[]>("/admin/payments/pending"),
-    enabled: user?.role === "admin",
-  });
-
-  const approveMutation = useMutation({
-    mutationFn: (paymentId: string) => api.patch(`/payments/eft/${paymentId}/approve`, {}),
-    onSuccess: () => {
-      queryClient.invalidateQueries({ queryKey: ["admin", "payments"] });
-      queryClient.invalidateQueries({ queryKey: ["admin", "dashboard"] });
-      setConfirmAction(null);
-    },
-  });
-
-  const rejectMutation = useMutation({
-    mutationFn: (paymentId: string) => api.patch(`/payments/eft/${paymentId}/reject`, {}),
-    onSuccess: () => {
-      queryClient.invalidateQueries({ queryKey: ["admin", "payments"] });
-      queryClient.invalidateQueries({ queryKey: ["admin", "dashboard"] });
-      setConfirmAction(null);
-    },
-  });
-
-  if (authLoading) {
-    return (
-      <div className="space-y-6">
-        <Skeleton className="h-8 w-48" />
-        <Skeleton className="h-96 w-full" />
-      </div>
-    );
-  }
-
-  if (user?.role !== "admin") return null;
-
-  const formatDate = (dateStr: string) => {
-    return new Date(dateStr).toLocaleDateString("tr-TR", {
-      day: "2-digit",
-      month: "2-digit",
-      year: "numeric",
-      hour: "2-digit",
-      minute: "2-digit",
-    });
-  };
-
-  return (
-    <div className="mx-auto max-w-5xl space-y-6">
-      <div className="flex items-center justify-between">
-        <h2 className="text-2xl font-bold">EFT Odeme Onaylari</h2>
-        <Badge variant="secondary">{payments?.length ?? 0} bekleyen</Badge>
-      </div>
-
-      {isLoading ? (
-        <div className="space-y-4">
-          {KEYS_5.map((__k) => (
-            <Skeleton key={__k} className="h-32 w-full" />
-          ))}
-        </div>
-      ) : !payments || payments.length === 0 ? (
-        <Card>
-          <CardContent className="flex flex-col items-center gap-3 py-16 text-center">
-            <CheckCircle className="h-12 w-12 text-green-500" />
-            <p className="text-lg font-medium">Bekleyen odeme bulunmuyor</p>
-            <p className="text-sm text-muted-foreground">Tum EFT odemeleri islenmis durumda</p>
-          </CardContent>
-        </Card>
-      ) : (
-        <div className="space-y-4">
-          {payments.map((payment) => (
-            <Card key={payment.id}>
-              <CardContent className="p-6">
-                <div className="flex flex-col gap-4 sm:flex-row sm:items-center sm:justify-between">
-                  {/* User Info */}
-                  <div className="space-y-1">
-                    <p className="font-medium">{payment.userName}</p>
-                    <p className="text-sm text-muted-foreground">{payment.userEmail}</p>
-                    <div className="flex items-center gap-2 text-xs text-muted-foreground">
-                      <span>{formatDate(payment.createdAt)}</span>
-                      <span>|</span>
-                      <span>ID: {payment.id.substring(0, 8)}...</span>
-                    </div>
-                  </div>
-
-                  {/* Amount & Receipt */}
-                  <div className="flex flex-col items-end gap-2">
-                    <p className="text-xl font-bold">{formatTRY(payment.amount)}</p>
-                    {payment.eftReceiptUrl ? (
-                      <a
-                        href={payment.eftReceiptUrl}
-                        target="_blank"
-                        rel="noopener noreferrer"
-                        className="inline-flex items-center gap-1 text-sm text-primary hover:underline"
-                      >
-                        <ExternalLink className="h-3 w-3" />
-                        Dekont Goruntule
-                      </a>
-                    ) : (
-                      <span className="inline-flex items-center gap-1 text-sm text-muted-foreground">
-                        <Receipt className="h-3 w-3" />
-                        Dekont yuklenmemis
-                      </span>
-                    )}
-                  </div>
-                </div>
-
-                {/* Confirm Dialog */}
-                {confirmAction && confirmAction.id === payment.id ? (
-                  <div className="mt-4 rounded-lg border border-amber-200 bg-amber-50 p-4 dark:border-amber-800 dark:bg-amber-950">
-                    <div className="flex items-start gap-3">
-                      <AlertTriangle className="mt-0.5 h-5 w-5 text-amber-600" />
-                      <div className="flex-1">
-                        <p className="font-medium">
-                          {confirmAction.type === "approve"
-                            ? "Odemeyi onaylamak istediginize emin misiniz?"
-                            : "Odemeyi reddetmek istediginize emin misiniz?"}
-                        </p>
-                        <p className="mt-1 text-sm text-muted-foreground">
-                          {confirmAction.type === "approve"
-                            ? "Bu islem aboneligi aktif hale getirecektir."
-                            : "Bu islem odemeyi basarisiz olarak isaretleyecektir."}
-                        </p>
-                        <div className="mt-3 flex items-center gap-2">
-                          <Button
-                            size="sm"
-                            variant={confirmAction.type === "approve" ? "default" : "destructive"}
-                            disabled={approveMutation.isPending || rejectMutation.isPending}
-                            onClick={() => {
-                              if (confirmAction.type === "approve") {
-                                approveMutation.mutate(payment.id);
-                              } else {
-                                rejectMutation.mutate(payment.id);
-                              }
-                            }}
-                          >
-                            {approveMutation.isPending || rejectMutation.isPending
-                              ? "Isleniyor..."
-                              : "Evet, onayla"}
-                          </Button>
-                          <Button
-                            size="sm"
-                            variant="outline"
-                            onClick={() => setConfirmAction(null)}
-                          >
-                            Iptal
-                          </Button>
-                        </div>
-                      </div>
-                    </div>
-                  </div>
-                ) : (
-                  <div className="mt-4 flex items-center gap-2 border-t pt-4">
-                    <Button
-                      size="sm"
-                      onClick={() =>
-                        setConfirmAction({
-                          id: payment.id,
-                          type: "approve",
-                        })
-                      }
-                    >
-                      <CheckCircle className="mr-1 h-4 w-4" />
-                      Onayla
-                    </Button>
-                    <Button
-                      size="sm"
-                      variant="destructive"
-                      onClick={() =>
-                        setConfirmAction({
-                          id: payment.id,
-                          type: "reject",
-                        })
-                      }
-                    >
-                      <XCircle className="mr-1 h-4 w-4" />
-                      Reddet
-                    </Button>
-                  </div>
-                )}
-              </CardContent>
-            </Card>
-          ))}
-        </div>
-      )}
-    </div>
-  );
-}

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

@@ -77,7 +77,7 @@ function BillingPage() {
 
         {/* Method Filter */}
         <div className="flex gap-1">
-          {["all", "stripe", "eft"].map((method) => (
+          {["all", "stripe"].map((method) => (
             <Button
               key={method}
               variant={methodFilter === method ? "default" : "outline"}

apps/web/src/routes/dashboard/subscription/index.tsx

@@ -1,4 +1,3 @@
-import { BankTransferCard } from "@/components/payment/bank-transfer-card";
 import { StripeCheckoutButton } from "@/components/payment/stripe-checkout-button";
 import { CarBrandLogo } from "@/components/ui/car-brand-logo";
 import { api } from "@/lib/api-client";
@@ -25,17 +24,12 @@ import {
   DialogTitle,
   Separator,
   Skeleton,
-  Tabs,
-  TabsContent,
-  TabsList,
-  TabsTrigger,
 } from "@sase/ui";
 import { useMutation, useQuery, useQueryClient } from "@tanstack/react-query";
 import { createFileRoute, useNavigate } from "@tanstack/react-router";
 import {
   AlertTriangle,
   ArrowRight,
-  Building2,
   Check,
   CheckCircle2,
   Clock,
@@ -189,7 +183,6 @@ export function SubscriptionPage() {
   const [selectedPlanKey, setSelectedPlanKey] = useState<string | null>(null);
   const [selectedBrandIds, setSelectedBrandIds] = useState<string[]>([]);
   const [billingPeriod, setBillingPeriod] = useState<"monthly" | "yearly">("monthly");
-  const [paymentMethod, setPaymentMethod] = useState<"stripe" | "eft">("stripe");
 
   // ─── Page-level state ──────────────────────────────────────────────────────
   const [cancelDialogOpen, setCancelDialogOpen] = useState(false);
@@ -343,7 +336,6 @@ export function SubscriptionPage() {
     if (search.stripe === "success" && !stripeResultRef.current) {
       stripeResultRef.current = true;
       setStep("confirmation");
-      setPaymentMethod("stripe");
       capture("stripe_redirect_returned", { result: "success", session_id: search.session_id });
     } else if (search.stripe === "cancelled" && !stripeResultRef.current) {
       stripeResultRef.current = true;
@@ -459,11 +451,6 @@ export function SubscriptionPage() {
     }
   }
 
-  function handleEftCompleted() {
-    setStep("confirmation");
-    queryClient.invalidateQueries({ queryKey: ["subscription"] });
-  }
-
   function handleCancelClick() {
     if (downgradePlan) {
       const currentBrandIds = (subscription?.brands ?? []).map((b) => b.brandId);
@@ -675,9 +662,7 @@ export function SubscriptionPage() {
                 title={t("subscription.steps.payment.title")}
                 isActive={step === "payment"}
                 isComplete={step === "confirmation"}
-                summary={
-                  paymentMethod === "stripe" ? t("payment.creditCard") : t("payment.eftTransfer")
-                }
+                summary={t("payment.creditCard")}
                 onEdit={() => setStep("payment")}
               >
                 <PaymentMethodSection
@@ -685,18 +670,14 @@ export function SubscriptionPage() {
                   period={billingPeriod}
                   brandIds={selectedBrandIds}
                   totalAmount={totalAmount}
-                  method={paymentMethod}
-                  onMethodChange={setPaymentMethod}
-                  onEftCompleted={handleEftCompleted}
                 />
               </StepCard>
             )}
 
           {step === "confirmation" && (
             <ConfirmationCard
-              method={paymentMethod}
               subscription={subscription ?? null}
-              isStripeVerifying={paymentMethod === "stripe" && subscription?.status !== "active"}
+              isStripeVerifying={subscription?.status !== "active"}
               navigate={navigate}
             />
           )}
@@ -1100,50 +1081,21 @@ function PaymentMethodSection({
   period,
   brandIds,
   totalAmount,
-  method,
-  onMethodChange,
-  onEftCompleted,
 }: {
   planKey: string;
   period: "monthly" | "yearly";
   brandIds: string[];
   totalAmount: number;
-  method: "stripe" | "eft";
-  onMethodChange: (m: "stripe" | "eft") => void;
-  onEftCompleted: () => void;
 }) {
   const { t } = useTranslation();
   return (
     <div className="space-y-4">
-      <Tabs value={method} onValueChange={(v) => onMethodChange(v as "stripe" | "eft")}>
-        <TabsList className="grid w-full grid-cols-2">
-          <TabsTrigger value="stripe" data-faro-user-action-name="payment-tab-card">
-            <CreditCard className="mr-2 h-4 w-4" />
-            {t("payment.creditCard")}
-          </TabsTrigger>
-          <TabsTrigger value="eft" data-faro-user-action-name="payment-tab-eft">
-            <Building2 className="mr-2 h-4 w-4" />
-            {t("payment.eftTransfer")}
-          </TabsTrigger>
-        </TabsList>
-        <TabsContent value="stripe" className="pt-4">
-          <StripeCheckoutButton
-            planKey={planKey}
-            period={period}
-            brandIds={brandIds}
-            totalAmount={totalAmount}
-          />
-        </TabsContent>
-        <TabsContent value="eft" className="pt-4">
-          <BankTransferCard
-            planKey={planKey}
-            period={period}
-            brandIds={brandIds}
-            totalAmount={totalAmount}
-            onCompleted={onEftCompleted}
-          />
-        </TabsContent>
-      </Tabs>
+      <StripeCheckoutButton
+        planKey={planKey}
+        period={period}
+        brandIds={brandIds}
+        totalAmount={totalAmount}
+      />
 
       <div className="flex flex-wrap items-center justify-center gap-x-3 gap-y-1 text-xs text-foreground/70">
         <span aria-hidden="true">🔒</span>
@@ -1160,18 +1112,16 @@ function PaymentMethodSection({
 }
 
 function ConfirmationCard({
-  method,
   subscription,
   isStripeVerifying,
   navigate,
 }: {
-  method: "stripe" | "eft";
   subscription: Subscription | null;
   isStripeVerifying: boolean;
   navigate: ReturnType<typeof useNavigate>;
 }) {
   const { t } = useTranslation();
-  if (method === "stripe" && isStripeVerifying) {
+  if (isStripeVerifying) {
     return (
       <Card className="border-primary/30 ring-1 ring-primary/10">
         <CardContent className="flex flex-col items-center gap-4 py-12 text-center">
@@ -1192,13 +1142,9 @@ function ConfirmationCard({
         <CheckCircle2 className="h-16 w-16 text-emerald-500" />
         <div>
           <h3 className="text-2xl font-bold">{t("payment.confirmation")}</h3>
-          <p className="mt-2 text-muted-foreground">
-            {method === "stripe"
-              ? t("payment.confirmationDescription")
-              : t("payment.eftConfirmationDescription")}
-          </p>
+          <p className="mt-2 text-muted-foreground">{t("payment.confirmationDescription")}</p>
         </div>
-        {subscription?.endDate && method === "stripe" && (
+        {subscription?.endDate && (
           <div className="rounded-lg border border-border bg-background/60 px-4 py-2 text-sm">
             <span className="text-muted-foreground">{t("subscription.endDate")}: </span>
             <span className="font-medium">