feat: replace Stripe Global Payouts with manual bank transfer system for France compliance

- Replace Stripe automatic payouts with manual admin-processed bank transfers
- Add banking information fields (IBAN, bank name, account holder) to User model
- Implement manual payout workflow: pending → approved → processing → completed
- Add comprehensive admin interface for payout review and processing
- Update Payout model with manual processing fields and workflow methods
- Add transfer reference tracking and rejection/failure handling
- Consolidate all migration fragments into clean "create" migrations
- Add comprehensive documentation for manual payout workflow
- Fix Event payout_status enum definition and database column issues

This addresses France's lack of Stripe Global Payouts support by implementing
a complete manual bank transfer workflow while maintaining audit trails and
proper admin controls.

🤖 Generated with [Claude Code](https://claude.ai/code)

Co-Authored-By: Claude <noreply@anthropic.com>

db/migrate/20250816145933_devise_create_users.rb

@@ -55,6 +55,11 @@ class DeviseCreateUsers < ActiveRecord::Migration[8.0]
       # Link user to Stripe account for promoter payout
       t.string :stripe_connected_account_id
 
+      # Banking information for manual payouts
+      t.string :iban
+      t.string :bank_name
+      t.string :account_holder_name
+
       t.timestamps null: false
     end
 

db/migrate/20250823145902_create_events.rb

@@ -23,7 +23,7 @@ class CreateEvents < ActiveRecord::Migration[8.0]
       t.boolean :allow_booking_during_event, default: false, null: false
 
       # Payout fields
-      t.integer :payout_status
+      t.integer :payout_status, default: 0, null: false
       t.datetime :payout_requested_at
 
       t.timestamps

db/migrate/20250823171354_create_tickets.rb

@@ -17,5 +17,6 @@ class CreateTickets < ActiveRecord::Migration[8.0]
     end
 
     add_index :tickets, :qr_code, unique: true
+    add_index :tickets, [:status, :order_id]
   end
 end

db/migrate/20250916212717_create_earnings.rb

@@ -14,5 +14,7 @@ class CreateEarnings < ActiveRecord::Migration[8.0]
 
       t.timestamps
     end
+
+    add_index :earnings, :status
   end
 end

db/migrate/20250916221454_create_payouts.rb

@@ -11,10 +11,17 @@ class CreatePayouts < ActiveRecord::Migration[8.0]
       t.references :user, null: false, foreign_key: false
       t.references :event, null: false, foreign_key: false
 
+      # Manual processing fields
+      t.references :processed_by, null: true, foreign_key: { to_table: :users }
+      t.datetime :processed_at
+      t.text :rejection_reason
+      t.string :bank_transfer_reference
+
       t.timestamps
     end
 
     add_index :payouts, :status
     add_index :payouts, :stripe_payout_id, unique: true
+    add_index :payouts, [:event_id, :status]
   end
 end

db/migrate/20250916230001_add_index_to_payouts_on_event_id_and_status.rb

@@ -1,5 +0,0 @@
-class AddIndexToPayoutsOnEventIdAndStatus < ActiveRecord::Migration[7.1]
-  def change
-    add_index :payouts, [ :event_id, :status ]
-  end
-end

db/migrate/20250916230002_add_index_to_earnings_on_status.rb

@@ -1,5 +0,0 @@
-class AddIndexToEarningsOnStatus < ActiveRecord::Migration[7.1]
-  def change
-    add_index :earnings, :status
-  end
-end

db/migrate/20250916230003_add_index_to_tickets_on_status_and_order_id.rb

@@ -1,5 +0,0 @@
-class AddIndexToTicketsOnStatusAndOrderId < ActiveRecord::Migration[7.1]
-  def change
-    add_index :tickets, [ :status, :order_id ]
-  end
-end

db/schema.rb

@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[8.0].define(version: 2025_09_16_230003) do
+ActiveRecord::Schema[8.0].define(version: 2025_09_16_221454) do
   create_table "earnings", charset: "utf8mb4", collation: "utf8mb4_uca1400_ai_ci", force: :cascade do |t|
     t.integer "amount_cents"
     t.integer "fee_cents"
@@ -42,11 +42,11 @@ ActiveRecord::Schema[8.0].define(version: 2025_09_16_230003) do
     t.decimal "longitude", precision: 10, scale: 6, null: false
     t.boolean "featured", default: false, null: false
     t.bigint "user_id", null: false
-    t.boolean "allow_booking_during_event", default: false, null: false
-    t.integer "payout_status"
-    t.datetime "payout_requested_at"
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
+    t.boolean "allow_booking_during_event", default: false, null: false
+    t.integer "payout_status", default: 0, null: false
+    t.datetime "payout_requested_at"
     t.index ["featured"], name: "index_events_on_featured"
     t.index ["latitude", "longitude"], name: "index_events_on_latitude_and_longitude"
     t.index ["payout_status"], name: "index_events_on_payout_status"
@@ -82,8 +82,13 @@ ActiveRecord::Schema[8.0].define(version: 2025_09_16_230003) do
     t.bigint "event_id", null: false
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
+    t.bigint "processed_by_id"
+    t.datetime "processed_at"
+    t.text "rejection_reason"
+    t.string "bank_transfer_reference"
     t.index ["event_id", "status"], name: "index_payouts_on_event_id_and_status"
     t.index ["event_id"], name: "index_payouts_on_event_id"
+    t.index ["processed_by_id"], name: "index_payouts_on_processed_by_id"
     t.index ["status"], name: "index_payouts_on_status"
     t.index ["stripe_payout_id"], name: "index_payouts_on_stripe_payout_id", unique: true
     t.index ["user_id"], name: "index_payouts_on_user_id"
@@ -138,11 +143,14 @@ ActiveRecord::Schema[8.0].define(version: 2025_09_16_230003) do
     t.string "company_website"
     t.string "stripe_customer_id"
     t.boolean "onboarding_completed", default: false, null: false
-    t.string "stripe_connected_account_id"
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
+    t.string "iban"
+    t.string "bank_name"
+    t.string "account_holder_name"
     t.index ["email"], name: "index_users_on_email", unique: true
     t.index ["reset_password_token"], name: "index_users_on_reset_password_token", unique: true
-    t.index ["stripe_connected_account_id"], name: "index_users_on_stripe_connected_account_id", unique: true
   end
+
+  add_foreign_key "payouts", "users", column: "processed_by_id"
 end