release: commission price floor (EUR 9) + the self-serve billing fix

app/api/signup/route.ts

@@ -137,9 +137,10 @@ async function mintAccount(
  */
 /**
  * The founder's new-lead mail lists the quote, and under `commission` that total
- * EXCLUDES the online-payments module — so the number alone reads as a cheaper
- * plan with no visible reason for it. This row is what explains it, and it lives
- * outside POST so the handler stays under its cognitive-complexity limit.
+ * prices the online-payments module at its reduced €9 floor rather than at the
+ * full list price — so the number alone reads as a cheaper plan with no visible
+ * reason for it. This row is what explains it, and it lives outside POST so the
+ * handler stays under its cognitive-complexity limit.
  */
 function paymentsRow(config: StoredSignupConfiguration): string {
   if (config.paymentsMode === "commission") {

components/PaymentsModeChoice.tsx

@@ -2,6 +2,7 @@
 
 import { useTranslations } from "next-intl";
 import {
+  COMMISSION_FLOOR_CENTS,
   DEFAULT_COMMISSION_BPS,
   ONLINE_PAYMENTS_PRICE_CENTS,
   crossoverCentsPerMonth,
@@ -11,9 +12,8 @@ import {
 import { eur } from "@/lib/format";
 
 /**
- * How to be charged for `online-payments`, offered on /signup
- * (SOFRA-PAYMENTS-PRICING-MODE-PLAN S3) — a flat monthly fee, or €0/mo plus a
- * per-transaction rate.
+ * How to be charged for `online-payments`, offered on /signup — the full flat
+ * monthly fee, or a REDUCED €9/mo floor plus a per-transaction rate.
  *
  * Extracted out of `SignupConfigurator`, which sits at the CLAUDE.md §4
  * component limit and cannot grow — the same split `PaymentsModePanel` /
@@ -59,8 +59,14 @@ export default function PaymentsModeChoice({
   // high" by returning null. DEFAULT_COMMISSION_BPS is never 0, so this is
   // reached in practice, but the guard stays the same shape as every other
   // caller of this function.
-  const crossover = crossoverCentsPerMonth(DEFAULT_COMMISSION_BPS, ONLINE_PAYMENTS_PRICE_CENTS);
+  // No price argument: the break-even is against what commission SAVES on the
+  // module (€19 - €9 = €10), which is the function's own default — the full list
+  // price would promise a buyer they are cheaper up to 1.9x more turnover than
+  // they actually are, on the page where they choose.
+  const crossover = crossoverCentsPerMonth(DEFAULT_COMMISSION_BPS);
   const percent = formatCommissionPercent(DEFAULT_COMMISSION_BPS);
+  const floor = eur(COMMISSION_FLOOR_CENTS);
+  const flatPrice = eur(ONLINE_PAYMENTS_PRICE_CENTS);
 
   return (
     <fieldset className="hand-drawn-border bg-card p-4">
@@ -84,7 +90,7 @@ export default function PaymentsModeChoice({
           />
           <span>
             <label htmlFor="paymentsMode-flat" className="font-bold">
-              {t("flatLabel", { price: eur(ONLINE_PAYMENTS_PRICE_CENTS) })}
+              {t("flatLabel", { price: flatPrice })}
             </label>
             <br />
             <span id="paymentsMode-flat-hint" className="text-muted-foreground">
@@ -105,7 +111,7 @@ export default function PaymentsModeChoice({
           />
           <span>
             <label htmlFor="paymentsMode-commission" className="font-bold">
-              {t("commissionLabel", { percent })}
+              {t("commissionLabel", { percent, floor })}
             </label>
             <br />
             <span id="paymentsMode-commission-hint" className="text-muted-foreground">
@@ -116,7 +122,7 @@ export default function PaymentsModeChoice({
       </div>
       {crossover !== null && (
         <p className="font-label text-xs text-muted-foreground mt-2">
-          {t("crossover", { percent, amount: eur(crossover) })}
+          {t("crossover", { percent, amount: eur(crossover), floor, price: flatPrice })}
         </p>
       )}
       <p className="font-label text-xs text-muted-foreground mt-2">{t("deferredNote")}</p>

components/control/PaymentsModeForm.tsx

@@ -7,6 +7,8 @@ import type {
   PaymentsModeTarget,
 } from "@/lib/actions/payments-mode-change";
 import {
+  COMMISSION_FLOOR_CENTS,
+  COMMISSION_MODE_SAVING_CENTS,
   DEFAULT_COMMISSION_BPS,
   MAX_COMMISSION_BPS,
   ONLINE_PAYMENTS_PRICE_CENTS,
@@ -83,7 +85,10 @@ export default function PaymentsModeForm({
     else if (bps === 0) setBps(DEFAULT_COMMISSION_BPS);
   };
 
-  const preview = mode === "commission" ? crossoverCentsPerMonth(bps, ONLINE_PAYMENTS_PRICE_CENTS) : null;
+  // No price argument — the live preview is the break-even against what
+  // `commission` SAVES on the module (€19 - €9), which is the function's own
+  // default. Passing the full list price here would overstate it by 1.9x.
+  const preview = mode === "commission" ? crossoverCentsPerMonth(bps) : null;
 
   return (
     <form action={action} className="grid gap-3 sm:max-w-md">
@@ -98,7 +103,7 @@ export default function PaymentsModeForm({
             checked={mode === "flat"}
             onChange={() => handleModeChange("flat")}
           />
-          {t("modeFlat")}
+          {t("modeFlat", { price: eur(ONLINE_PAYMENTS_PRICE_CENTS) })}
         </label>
         <label className="flex items-center gap-2 font-label text-sm">
           <input
@@ -109,7 +114,7 @@ export default function PaymentsModeForm({
             disabled={commissionDisabled}
             onChange={() => handleModeChange("commission")}
           />
-          {t("modeCommission")}
+          {t("modeCommission", { floor: eur(COMMISSION_FLOOR_CENTS) })}
         </label>
         {!eligibility.eligible && (
           <p className="font-label text-sm text-craft-warning-text dark:text-craft-warning">
@@ -137,7 +142,13 @@ export default function PaymentsModeForm({
       </label>
       {preview !== null && (
         <p className="font-label text-sm text-muted-foreground">
-          {t("crossover", { percent: formatCommissionPercent(bps), amount: eur(preview) })}
+          {t("crossover", {
+            percent: formatCommissionPercent(bps),
+            amount: eur(preview),
+            floor: eur(COMMISSION_FLOOR_CENTS),
+            price: eur(ONLINE_PAYMENTS_PRICE_CENTS),
+            saving: eur(COMMISSION_MODE_SAVING_CENTS),
+          })}
         </p>
       )}
       <div className="flex items-center gap-3">

components/control/PaymentsModePanel.tsx

@@ -1,6 +1,8 @@
 import { getTranslations } from "next-intl/server";
 import { eur } from "@/lib/format";
 import {
+  COMMISSION_FLOOR_CENTS,
+  COMMISSION_MODE_SAVING_CENTS,
   ONLINE_PAYMENTS_PRICE_CENTS,
   crossoverCentsPerMonth,
   formatCommissionPercent,
@@ -69,16 +71,22 @@ export default async function PaymentsModePanel({
   // `effectivePaymentsMode` itself falls back to the intent when the registry
   // cannot be read at all, so this can never disagree with `effective.mode`.
   const effectiveBps = registryReadable ? (registryTenant?.payments_commission_bps ?? 0) : billingBps;
-  const crossover = crossoverCentsPerMonth(effectiveBps, ONLINE_PAYMENTS_PRICE_CENTS);
+  // No price argument: the break-even is driven by what `commission` SAVES on
+  // the module (€19 - €9 = €10), never by its full list price — the default
+  // (COMMISSION_MODE_SAVING_CENTS) is the only basis that is ever correct here.
+  const crossover = crossoverCentsPerMonth(effectiveBps);
   const eligibility = commissionEligibility({ registryReadable, tenant: registryTenant });
 
   return (
     <section className="hand-drawn-border bg-card p-5">
       <h2 className="font-hand text-2xl font-bold">{t("title")}</h2>
       <p className="mt-1 font-label text-sm text-muted-foreground">
         {effective.mode === "commission"
-          ? t("commissionSummary", { percent: formatCommissionPercent(effectiveBps) })
-          : t("flatSummary")}
+          ? t("commissionSummary", {
+              percent: formatCommissionPercent(effectiveBps),
+              floor: eur(COMMISSION_FLOOR_CENTS),
+            })
+          : t("flatSummary", { price: eur(ONLINE_PAYMENTS_PRICE_CENTS) })}
       </p>
       {effective.pending && (
         // <output>, not <p role="status">: it carries the same implicit ARIA role
@@ -94,7 +102,13 @@ export default async function PaymentsModePanel({
           high" and must never be printed as one. */}
       {crossover !== null && (
         <p className="mt-2 font-label text-sm text-muted-foreground">
-          {t("crossover", { percent: formatCommissionPercent(effectiveBps), amount: eur(crossover) })}
+          {t("crossover", {
+            percent: formatCommissionPercent(effectiveBps),
+            amount: eur(crossover),
+            floor: eur(COMMISSION_FLOOR_CENTS),
+            price: eur(ONLINE_PAYMENTS_PRICE_CENTS),
+            saving: eur(COMMISSION_MODE_SAVING_CENTS),
+          })}
         </p>
       )}
       <div className="mt-4">