Merge newer features and remove legacy code

docs/manual_payouts_france.md

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+# Manual Payouts for French Users
+
+## Overview
+
+Due to regulatory restrictions, Stripe Global Payouts are not available in France. As a result, we've implemented a manual payout system using SEPA (Single Euro Payments Area) bank transfers for French promoters.
+
+## How It Works
+
+### 1. Payout Request
+- When a French promoter's event ends and they have earnings, they can request a payout through their dashboard
+- The system creates a payout record with status "pending"
+
+### 2. Admin Processing
+- Admins can view pending payouts in the admin panel
+- For French users, the "Process Payout" button automatically marks the payout as a SEPA transfer
+- Admins can also manually mark a payout as a SEPA transfer using the "Mark as SEPA Transfer" button
+
+### 3. SEPA Transfer
+- When a payout is marked as a SEPA transfer, the system:
+  - Updates the payout status to "completed"
+  - Generates a unique SEPA transfer ID
+  - Updates all related earnings to "paid" status
+- Admins then manually process the bank transfer outside the application using SEPA
+
+### 4. Promoter Notification
+- Promoters receive a notification that their payout is being processed via SEPA transfer
+- They are informed that funds should appear in their account within 1-3 business days
+
+## Technical Implementation
+
+### Payout Model
+- `manual_payout?` method checks if the payout is a SEPA transfer (ID starts with "SEPA_")
+- `sepa_transfer?` method is an alias for `manual_payout?`
+- `mark_as_manually_processed!` method generates a SEPA transfer ID
+
+### Payout Service
+- `should_process_manually?` method is hardcoded to return true for French users
+- `process_manually!` method handles the SEPA transfer process
+
+### Views
+- Admin and promoter views display "SEPA Transfer" instead of "Manual Transfer"
+- Specific messaging about SEPA transfer timelines is shown to promoters
+
+## Testing
+
+The manual payout system is thoroughly tested with:
+- Unit tests for the payout model methods
+- Service tests for the payout processing logic
+- Controller tests for the admin interface
+- Integration tests for the end-to-end flow
+
+## Future Improvements
+
+- Automatically detect user country from their address or IP
+- Integrate with a SEPA transfer API for automated bank transfers
+- Add email notifications for payout status changes
+- Implement a dashboard for admins to track SEPA transfers