Remove dead Stripe integration

Stripe was wired up but never used:
- No STRIPE_SECRET_KEY in .env
- Card payment step had a 'simulated fallback' that pretended to charge
- Stripe fees (1.4% + 20p) contradict '100% goes to charity' brand promise
- Bank transfer is the primary rail, GoCardless (DD) is the secondary

Removed:
- src/lib/stripe.ts (Stripe client, checkout sessions, webhooks)
- src/app/api/stripe/checkout/route.ts
- src/app/api/stripe/webhook/route.ts
- src/app/p/[token]/steps/card-payment-step.tsx (263 lines)
- 'stripe' and '@stripe/stripe-js' npm packages
- Card option from PaymentStep (payment-step.tsx)
- Card references from confirmation-step.tsx, success/page.tsx
- Stripe from landing page integrations grid
- Stripe from privacy policy sub-processors
- Stripe from terms of service payment references

Type Rail changed: 'bank' | 'gocardless' | 'card' → 'bank' | 'gocardless'
Pledge flow bundle: 19.5kB → 18.2kB (-1.3kB)

Payment options donors now see:
1. Bank Transfer (recommended, zero fees)
2. Direct Debit via GoCardless (1% + 20p, hassle-free)

pledge-now-pay-later/package-lock.json

@@ -11,7 +11,6 @@
         "@auth/prisma-adapter": "^2.11.1",
         "@prisma/adapter-pg": "^7.4.2",
         "@prisma/client": "^7.4.2",
-        "@stripe/stripe-js": "^8.8.0",
         "@types/bcryptjs": "^2.4.6",
         "@types/qrcode": "^1.5.6",
         "bcryptjs": "^3.0.3",
@@ -29,7 +28,6 @@
         "react": "^18",
         "react-dom": "^18",
         "sharp": "^0.34.5",
-        "stripe": "^20.4.0",
         "tailwind-merge": "^3.5.0",
         "zod": "^4.3.6"
       },
@@ -1794,15 +1792,6 @@
       "integrity": "sha512-l2aFy5jALhniG5HgqrD6jXLi/rUWrKvqN/qJx6yoJsgKhblVd+iqqU4RCXavm/jPityDo5TCvKMnpjKnOriy0w==",
       "license": "MIT"
     },
-    "node_modules/@stripe/stripe-js": {
-      "version": "8.8.0",
-      "resolved": "https://registry.npmjs.org/@stripe/stripe-js/-/stripe-js-8.8.0.tgz",
-      "integrity": "sha512-NNYuyW8qmLjyHnpyFgs/23wUrjB8k0xN9YIZFOMLewCa/pIkIji9e9aY/EgdNryEDDRptc6TcPIHRvG1R0ClFw==",
-      "license": "MIT",
-      "engines": {
-        "node": ">=12.16"
-      }
-    },
     "node_modules/@swc/counter": {
       "version": "0.1.3",
       "resolved": "https://registry.npmjs.org/@swc/counter/-/counter-0.1.3.tgz",
@@ -7792,23 +7781,6 @@
         "url": "https://github.com/sponsors/sindresorhus"
       }
     },
-    "node_modules/stripe": {
-      "version": "20.4.0",
-      "resolved": "https://registry.npmjs.org/stripe/-/stripe-20.4.0.tgz",
-      "integrity": "sha512-F/aN1IQ9vHmlyLNi3DkiIbyzQb6gyBG0uYFd/VrEVQSc9BLtlgknPUx0EvzZdBMRLFuRaPFIFd7Mxwtg7Pbwzw==",
-      "license": "MIT",
-      "engines": {
-        "node": ">=16"
-      },
-      "peerDependencies": {
-        "@types/node": ">=16"
-      },
-      "peerDependenciesMeta": {
-        "@types/node": {
-          "optional": true
-        }
-      }
-    },
     "node_modules/styled-jsx": {
       "version": "5.1.1",
       "resolved": "https://registry.npmjs.org/styled-jsx/-/styled-jsx-5.1.1.tgz",

pledge-now-pay-later/package.json

@@ -12,7 +12,6 @@
     "@auth/prisma-adapter": "^2.11.1",
     "@prisma/adapter-pg": "^7.4.2",
     "@prisma/client": "^7.4.2",
-    "@stripe/stripe-js": "^8.8.0",
     "@types/bcryptjs": "^2.4.6",
     "@types/qrcode": "^1.5.6",
     "bcryptjs": "^3.0.3",
@@ -30,7 +29,6 @@
     "react": "^18",
     "react-dom": "^18",
     "sharp": "^0.34.5",
-    "stripe": "^20.4.0",
     "tailwind-merge": "^3.5.0",
     "zod": "^4.3.6"
   },

pledge-now-pay-later/src/app/api/stripe/checkout/route.ts

@@ -1,118 +0,0 @@
-import { NextRequest, NextResponse } from "next/server"
-import prisma from "@/lib/prisma"
-import { createCheckoutSession } from "@/lib/stripe"
-import { generateReference } from "@/lib/reference"
-
-export async function POST(request: NextRequest) {
-  try {
-    const body = await request.json()
-    const { amountPence, donorName, donorEmail, donorPhone, giftAid, eventId, qrSourceId } = body
-
-    if (!prisma) {
-      return NextResponse.json({ error: "Database not configured" }, { status: 503 })
-    }
-
-    // Get event + org
-    const event = await prisma.event.findUnique({
-      where: { id: eventId },
-      include: { organization: true },
-    })
-    if (!event) {
-      return NextResponse.json({ error: "Event not found" }, { status: 404 })
-    }
-
-    const org = event.organization
-
-    // Generate reference
-    let reference = ""
-    let attempts = 0
-    while (attempts < 10) {
-      reference = generateReference(org.refPrefix || "PNPL", amountPence)
-      const exists = await prisma.pledge.findUnique({ where: { reference } })
-      if (!exists) break
-      attempts++
-    }
-
-    // Create pledge in DB
-    const pledge = await prisma.pledge.create({
-      data: {
-        reference,
-        amountPence,
-        currency: "GBP",
-        rail: "card",
-        status: "new",
-        donorName: donorName || null,
-        donorEmail: donorEmail || null,
-        donorPhone: donorPhone || null,
-        giftAid: giftAid || false,
-        eventId,
-        qrSourceId: qrSourceId || null,
-        organizationId: org.id,
-      },
-    })
-
-    // Track analytics
-    await prisma.analyticsEvent.create({
-      data: {
-        eventType: "pledge_completed",
-        pledgeId: pledge.id,
-        eventId,
-        qrSourceId: qrSourceId || null,
-        metadata: { amountPence, rail: "card" },
-      },
-    })
-
-    // Try real Stripe checkout
-    const baseUrl = process.env.BASE_URL || "http://localhost:3000"
-
-    const session = await createCheckoutSession({
-      amountPence,
-      currency: "GBP",
-      pledgeId: pledge.id,
-      reference,
-      eventName: event.name,
-      organizationName: org.name,
-      donorEmail: donorEmail || undefined,
-      successUrl: `${baseUrl}/p/success?pledge_id=${pledge.id}&rail=card&session_id={CHECKOUT_SESSION_ID}`,
-      cancelUrl: `${baseUrl}/p/success?pledge_id=${pledge.id}&rail=card&cancelled=true`,
-    })
-
-    if (session) {
-      // Save Stripe session reference
-      await prisma.payment.create({
-        data: {
-          pledgeId: pledge.id,
-          provider: "stripe",
-          providerRef: session.sessionId,
-          amountPence,
-          status: "pending",
-          matchedBy: "auto",
-        },
-      })
-
-      await prisma.pledge.update({
-        where: { id: pledge.id },
-        data: { status: "initiated" },
-      })
-
-      return NextResponse.json({
-        mode: "live",
-        pledgeId: pledge.id,
-        reference,
-        checkoutUrl: session.checkoutUrl,
-        sessionId: session.sessionId,
-      })
-    }
-
-    // Fallback: no Stripe configured — return pledge for simulated flow
-    return NextResponse.json({
-      mode: "simulated",
-      pledgeId: pledge.id,
-      reference,
-      id: pledge.id,
-    })
-  } catch (error) {
-    console.error("Stripe checkout error:", error)
-    return NextResponse.json({ error: "Internal error" }, { status: 500 })
-  }
-}

pledge-now-pay-later/src/app/api/stripe/webhook/route.ts

@@ -1,88 +0,0 @@
-import { NextRequest, NextResponse } from "next/server"
-import prisma from "@/lib/prisma"
-import { constructWebhookEvent } from "@/lib/stripe"
-
-export async function POST(request: NextRequest) {
-  try {
-    const body = await request.text()
-    const signature = request.headers.get("stripe-signature") || ""
-
-    const event = constructWebhookEvent(body, signature)
-    if (!event) {
-      return NextResponse.json({ error: "Invalid signature" }, { status: 400 })
-    }
-
-    switch (event.type) {
-      case "checkout.session.completed": {
-        const session = event.data.object as { id: string; metadata: Record<string, string>; payment_status: string }
-        const pledgeId = session.metadata?.pledge_id
-
-        if (pledgeId && session.payment_status === "paid") {
-          await prisma.pledge.update({
-            where: { id: pledgeId },
-            data: {
-              status: "paid",
-              paidAt: new Date(),
-            },
-          })
-
-          // Update payment record
-          await prisma.payment.updateMany({
-            where: {
-              pledgeId,
-              providerRef: session.id,
-            },
-            data: {
-              status: "confirmed",
-              receivedAt: new Date(),
-            },
-          })
-
-          // Track analytics
-          await prisma.analyticsEvent.create({
-            data: {
-              eventType: "payment_matched",
-              pledgeId,
-              metadata: { provider: "stripe", sessionId: session.id },
-            },
-          })
-        }
-        break
-      }
-
-      case "payment_intent.succeeded": {
-        const pi = event.data.object as { id: string; metadata: Record<string, string> }
-        const pledgeId = pi.metadata?.pledge_id
-
-        if (pledgeId) {
-          await prisma.pledge.update({
-            where: { id: pledgeId },
-            data: {
-              status: "paid",
-              paidAt: new Date(),
-            },
-          })
-        }
-        break
-      }
-
-      case "payment_intent.payment_failed": {
-        const pi = event.data.object as { id: string; metadata: Record<string, string> }
-        const pledgeId = pi.metadata?.pledge_id
-
-        if (pledgeId) {
-          await prisma.pledge.update({
-            where: { id: pledgeId },
-            data: { status: "overdue" },
-          })
-        }
-        break
-      }
-    }
-
-    return NextResponse.json({ received: true })
-  } catch (error) {
-    console.error("Stripe webhook error:", error)
-    return NextResponse.json({ error: "Webhook handler failed" }, { status: 500 })
-  }
-}

pledge-now-pay-later/src/app/p/[token]/page.tsx

@@ -9,10 +9,9 @@ import { IdentityStep } from "./steps/identity-step"
 import { ConfirmationStep } from "./steps/confirmation-step"
 import { BankInstructionsStep } from "./steps/bank-instructions-step"
 import { ExternalRedirectStep } from "./steps/external-redirect-step"
-import { CardPaymentStep } from "./steps/card-payment-step"
 import { DirectDebitStep } from "./steps/direct-debit-step"
 
-export type Rail = "bank" | "gocardless" | "card"
+export type Rail = "bank" | "gocardless"
 
 export interface PledgeData {
   amountPence: number
@@ -143,7 +142,7 @@ export default function PledgePage() {
   // Step 2: Payment method selected (only for "now" self-payment mode)
   const handleRailSelected = (rail: Rail) => {
     setPledgeData((d) => ({ ...d, rail }))
-    setStep(rail === "bank" ? 3 : rail === "card" ? 6 : 8)
+    setStep(rail === "bank" ? 3 : 8)
   }
 
   // Submit pledge (from identity step, or card/DD steps)
@@ -243,20 +242,19 @@ export default function PledgePage() {
         installmentAmount={pledgeData.installmentCount ? Math.ceil(pledgeData.amountPence / pledgeData.installmentCount) : undefined}
       />
     ),
-    6: <CardPaymentStep amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} eventId={eventInfo?.id || ""} qrSourceId={eventInfo?.qrSourceId || null} onComplete={submitPledge} />,
     7: pledgeResult && <ExternalRedirectStep pledge={pledgeResult} amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} externalUrl={eventInfo?.externalUrl || ""} externalPlatform={eventInfo?.externalPlatform} donorPhone={pledgeData.donorPhone} />,
     8: <DirectDebitStep amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} organizationName={eventInfo?.organizationName || ""} eventId={eventInfo?.id || ""} qrSourceId={eventInfo?.qrSourceId || null} onComplete={submitPledge} />,
   }
 
   const backableSteps = new Set([1, 2, 3, 6, 8])
   const getBackStep = (s: number): number => {
-    if (s === 6 || s === 8) return 2  // card/DD → payment method
+    if (s === 8) return 2  // DD → payment method
     if (s === 3 && pledgeData.scheduleMode !== "now") return 1 // deferred identity → schedule
     if (s === 3) return 2 // bank identity → payment method
     return s - 1
   }
 
-  const progressMap: Record<number, number> = { 0: 8, 1: 25, 2: 40, 3: 60, 4: 100, 5: 100, 6: 60, 7: 100, 8: 60 }
+  const progressMap: Record<number, number> = { 0: 8, 1: 25, 2: 40, 3: 60, 4: 100, 5: 100, 7: 100, 8: 60 }
   const progressPercent = progressMap[step] || 10
 
   return (

pledge-now-pay-later/src/app/p/[token]/steps/card-payment-step.tsx

@@ -1,305 +0,0 @@
-"use client"
-
-import { useState, useRef } from "react"
-import { Button } from "@/components/ui/button"
-import { Input } from "@/components/ui/input"
-import { Label } from "@/components/ui/label"
-import { CreditCard, Lock } from "lucide-react"
-
-interface Props {
-  amount: number
-  eventName: string
-  eventId: string
-  qrSourceId: string | null
-  onComplete: (identity: {
-    donorName: string
-    donorEmail: string
-    donorPhone: string
-    giftAid: boolean
-  }) => void
-}
-
-function formatCardNumber(value: string): string {
-  const digits = value.replace(/\D/g, "").slice(0, 16)
-  return digits.replace(/(\d{4})(?=\d)/g, "$1 ")
-}
-
-function formatExpiry(value: string): string {
-  const digits = value.replace(/\D/g, "").slice(0, 4)
-  if (digits.length >= 3) return digits.slice(0, 2) + "/" + digits.slice(2)
-  return digits
-}
-
-function luhnCheck(num: string): boolean {
-  const digits = num.replace(/\D/g, "")
-  if (digits.length < 13) return false
-  let sum = 0
-  let alt = false
-  for (let i = digits.length - 1; i >= 0; i--) {
-    let n = parseInt(digits[i], 10)
-    if (alt) {
-      n *= 2
-      if (n > 9) n -= 9
-    }
-    sum += n
-    alt = !alt
-  }
-  return sum % 10 === 0
-}
-
-function getCardBrand(num: string): string {
-  const d = num.replace(/\D/g, "")
-  if (/^4/.test(d)) return "Visa"
-  if (/^5[1-5]/.test(d) || /^2[2-7]/.test(d)) return "Mastercard"
-  if (/^3[47]/.test(d)) return "Amex"
-  if (/^6(?:011|5)/.test(d)) return "Discover"
-  return ""
-}
-
-export function CardPaymentStep({ amount, eventName, eventId, qrSourceId, onComplete }: Props) {
-  const [cardNumber, setCardNumber] = useState("")
-  const [expiry, setExpiry] = useState("")
-  const [cvc, setCvc] = useState("")
-  const [name, setName] = useState("")
-  const [email, setEmail] = useState("")
-  const [giftAid, setGiftAid] = useState(false)
-  const [processing, setProcessing] = useState(false)
-  const [errors, setErrors] = useState<Record<string, string>>({})
-
-  const expiryRef = useRef<HTMLInputElement>(null)
-  const cvcRef = useRef<HTMLInputElement>(null)
-
-  const pounds = (amount / 100).toFixed(2)
-  const brand = getCardBrand(cardNumber)
-
-  const validate = (): boolean => {
-    const errs: Record<string, string> = {}
-    const digits = cardNumber.replace(/\D/g, "")
-
-    if (!luhnCheck(digits)) errs.card = "Invalid card number"
-    if (digits.length < 13) errs.card = "Card number too short"
-
-    const expiryDigits = expiry.replace(/\D/g, "")
-    if (expiryDigits.length < 4) {
-      errs.expiry = "Invalid expiry"
-    } else {
-      const month = parseInt(expiryDigits.slice(0, 2), 10)
-      const year = parseInt("20" + expiryDigits.slice(2, 4), 10)
-      const now = new Date()
-      if (month < 1 || month > 12) errs.expiry = "Invalid month"
-      else if (year < now.getFullYear() || (year === now.getFullYear() && month < now.getMonth() + 1))
-        errs.expiry = "Card expired"
-    }
-
-    if (cvc.length < 3) errs.cvc = "Invalid CVC"
-    if (!name.trim()) errs.name = "Name required"
-    if (!email.includes("@")) errs.email = "Valid email required"
-
-    setErrors(errs)
-    return Object.keys(errs).length === 0
-  }
-
-  const handleSubmit = async () => {
-    if (!validate()) return
-    setProcessing(true)
-
-    // Try real Stripe Checkout first
-    try {
-      const res = await fetch("/api/stripe/checkout", {
-        method: "POST",
-        headers: { "Content-Type": "application/json" },
-        body: JSON.stringify({
-          amountPence: amount,
-          donorName: name,
-          donorEmail: email,
-          donorPhone: "",
-          giftAid,
-          eventId,
-          qrSourceId,
-        }),
-      })
-      const data = await res.json()
-
-      if (data.mode === "live" && data.checkoutUrl) {
-        // Redirect to Stripe Checkout
-        window.location.href = data.checkoutUrl
-        return
-      }
-
-      // Simulated mode — fall through to onComplete
-    } catch {
-      // Fall through to simulated
-    }
-
-    // Simulated fallback
-    await new Promise((r) => setTimeout(r, 1500))
-    onComplete({
-      donorName: name,
-      donorEmail: email,
-      donorPhone: "",
-      giftAid,
-    })
-  }
-
-  const handleCardNumberChange = (value: string) => {
-    const formatted = formatCardNumber(value)
-    setCardNumber(formatted)
-    // Auto-advance to expiry when complete
-    if (formatted.replace(/\s/g, "").length === 16) {
-      expiryRef.current?.focus()
-    }
-  }
-
-  const handleExpiryChange = (value: string) => {
-    const formatted = formatExpiry(value)
-    setExpiry(formatted)
-    if (formatted.length === 5) {
-      cvcRef.current?.focus()
-    }
-  }
-
-  const isReady = cardNumber.replace(/\D/g, "").length >= 13 && expiry.length === 5 && cvc.length >= 3 && name.trim() && email.includes("@")
-
-  return (
-    <div className="max-w-md mx-auto pt-4 space-y-6">
-      <div className="text-center space-y-2">
-        <h1 className="text-2xl font-extrabold text-gray-900">Pay by Card</h1>
-        <p className="text-lg text-muted-foreground">
-          Pledge: <span className="font-bold text-foreground">£{pounds}</span>{" "}
-          for <span className="font-semibold text-foreground">{eventName}</span>
-        </p>
-      </div>
-
-      {/* Card form */}
-      <div className="rounded-lg border-2 border-gray-200 bg-white p-5 space-y-4">
-        {/* Card number */}
-        <div className="space-y-2">
-          <Label htmlFor="card-number">Card Number</Label>
-          <div className="relative">
-            <CreditCard className="absolute left-3 top-1/2 -translate-y-1/2 h-5 w-5 text-gray-400" />
-            <Input
-              id="card-number"
-              placeholder="1234 5678 9012 3456"
-              value={cardNumber}
-              onChange={(e) => handleCardNumberChange(e.target.value)}
-              inputMode="numeric"
-              autoComplete="cc-number"
-              className={`pl-11 font-mono text-base ${errors.card ? "border-red-500" : ""}`}
-            />
-            {brand && (
-              <span className="absolute right-3 top-1/2 -translate-y-1/2 text-xs font-semibold text-trust-blue bg-trust-blue/10 px-2 py-0.5 rounded-full">
-                {brand}
-              </span>
-            )}
-          </div>
-          {errors.card && <p className="text-xs text-red-500">{errors.card}</p>}
-        </div>
-
-        {/* Expiry + CVC row */}
-        <div className="grid grid-cols-2 gap-3">
-          <div className="space-y-2">
-            <Label htmlFor="expiry">Expiry</Label>
-            <Input
-              id="expiry"
-              ref={expiryRef}
-              placeholder="MM/YY"
-              value={expiry}
-              onChange={(e) => handleExpiryChange(e.target.value)}
-              inputMode="numeric"
-              autoComplete="cc-exp"
-              maxLength={5}
-              className={`font-mono text-base ${errors.expiry ? "border-red-500" : ""}`}
-            />
-            {errors.expiry && <p className="text-xs text-red-500">{errors.expiry}</p>}
-          </div>
-          <div className="space-y-2">
-            <Label htmlFor="cvc">CVC</Label>
-            <Input
-              id="cvc"
-              ref={cvcRef}
-              placeholder="123"
-              value={cvc}
-              onChange={(e) => setCvc(e.target.value.replace(/\D/g, "").slice(0, 4))}
-              inputMode="numeric"
-              autoComplete="cc-csc"
-              maxLength={4}
-              className={`font-mono text-base ${errors.cvc ? "border-red-500" : ""}`}
-            />
-            {errors.cvc && <p className="text-xs text-red-500">{errors.cvc}</p>}
-          </div>
-        </div>
-
-        {/* Cardholder name */}
-        <div className="space-y-2">
-          <Label htmlFor="card-name">Name on Card</Label>
-          <Input
-            id="card-name"
-            placeholder="J. Smith"
-            value={name}
-            onChange={(e) => setName(e.target.value)}
-            autoComplete="cc-name"
-            className={errors.name ? "border-red-500" : ""}
-          />
-          {errors.name && <p className="text-xs text-red-500">{errors.name}</p>}
-        </div>
-
-        {/* Email */}
-        <div className="space-y-2">
-          <Label htmlFor="card-email">Email</Label>
-          <Input
-            id="card-email"
-            type="email"
-            placeholder="your@email.com"
-            value={email}
-            onChange={(e) => setEmail(e.target.value)}
-            autoComplete="email"
-            inputMode="email"
-            className={errors.email ? "border-red-500" : ""}
-          />
-          {errors.email && <p className="text-xs text-red-500">{errors.email}</p>}
-        </div>
-      </div>
-
-      {/* Gift Aid */}
-      <label className="flex items-start gap-3 rounded-lg border-2 border-gray-200 bg-white p-4 cursor-pointer hover:border-trust-blue/50 transition-colors">
-        <input
-          type="checkbox"
-          checked={giftAid}
-          onChange={(e) => setGiftAid(e.target.checked)}
-          className="mt-1 h-5 w-5 rounded border-gray-300 text-trust-blue focus:ring-trust-blue"
-        />
-        <div>
-          <span className="font-semibold text-gray-900">Add Gift Aid</span>
-          <p className="text-sm text-muted-foreground mt-0.5">
-            Boost your donation by 25% at no extra cost. You must be a UK taxpayer.
-          </p>
-        </div>
-      </label>
-
-      {/* Pay button */}
-      <Button
-        size="xl"
-        className="w-full"
-        disabled={!isReady || processing}
-        onClick={handleSubmit}
-      >
-        {processing ? (
-          <span className="flex items-center gap-2">
-            <span className="h-5 w-5 border-2 border-white border-t-transparent rounded-full animate-spin" />
-            Processing...
-          </span>
-        ) : (
-          <>
-            <Lock className="h-5 w-5 mr-2" />
-            Pay £{pounds}
-          </>
-        )}
-      </Button>
-
-      <div className="flex items-center justify-center gap-2 text-xs text-muted-foreground">
-        <Lock className="h-3 w-3" />
-        <span>Secured with 256-bit encryption</span>
-      </div>
-    </div>
-  )
-}

pledge-now-pay-later/src/app/p/[token]/steps/confirmation-step.tsx

@@ -61,7 +61,6 @@ export function ConfirmationStep({ pledge, amount, rail, eventName, shareUrl, do
   const railLabels: Record<string, string> = {
     bank: "Bank Transfer",
     gocardless: "Direct Debit",
-    card: "Card Payment",
   }
 
   const deferredMessage = isDeferred
@@ -73,7 +72,6 @@ export function ConfirmationStep({ pledge, amount, rail, eventName, shareUrl, do
   const nextStepMessages: Record<string, string> = {
     bank: deferredMessage || "We've sent you payment instructions. Transfer at your convenience — we'll confirm once received.",
     gocardless: `Your Direct Debit mandate is set up. £${(amount / 100).toFixed(2)} will be collected automatically in 3-5 working days. Protected by the Direct Debit Guarantee.`,
-    card: "Your card payment has been processed. Confirmation email is on its way.",
   }
 
   // Send WhatsApp receipt if phone provided
@@ -140,7 +138,7 @@ export function ConfirmationStep({ pledge, amount, rail, eventName, shareUrl, do
           <h1 className="text-2xl font-black text-gray-900">
             {isDeferred
               ? "Pledge Locked In!"
-              : rail === "card" ? "Payment Complete!" : rail === "gocardless" ? "Mandate Set Up!" : "Pledge Received!"}
+              : rail === "gocardless" ? "Mandate Set Up!" : "Pledge Received!"}
           </h1>
           <p className="text-muted-foreground">
             Thank you for your generous support of{" "}
@@ -178,14 +176,7 @@ export function ConfirmationStep({ pledge, amount, rail, eventName, shareUrl, do
                 </span>
               </div>
             )}
-            {rail === "card" && !isDeferred && (
+            
-              <div className="flex justify-between items-center pt-1 border-t">
-                <span className="text-muted-foreground">Status</span>
-                <span className="text-success-green font-bold flex items-center gap-1">
-                  <Check className="h-4 w-4" /> Paid
-                </span>
-              </div>
-            )}
           </CardContent>
         </Card>
 

pledge-now-pay-later/src/app/p/[token]/steps/payment-step.tsx

@@ -1,9 +1,9 @@
 "use client"
 
-import { Building2, CreditCard, Landmark, Shield, CheckCircle2 } from "lucide-react"
+import { Building2, Landmark, Shield, CheckCircle2 } from "lucide-react"
 
 interface Props {
-  onSelect: (rail: "bank" | "gocardless" | "card") => void
+  onSelect: (rail: "bank" | "gocardless") => void
   amount: number
 }
 
@@ -40,20 +40,6 @@ export function PaymentStep({ onSelect, amount }: Props) {
       highlight: false,
       benefits: ["No action needed", "DD Guarantee"],
     },
-    {
-      id: "card" as const,
-      icon: CreditCard,
-      title: "Card Payment",
-      subtitle: "Visa, Mastercard, Amex — instant",
-      tag: "Instant",
-      tagClass: "bg-purple-100 text-purple-700",
-      detail: "Powered by Stripe. Receipt emailed instantly.",
-      fee: "1.4% + 20p",
-      feeClass: "text-muted-foreground",
-      iconBg: "bg-midnight",
-      highlight: false,
-      benefits: ["Instant confirmation", "All major cards"],
-    },
   ]
 
   return (

pledge-now-pay-later/src/app/p/success/page.tsx

@@ -19,7 +19,7 @@ interface PledgeInfo {
 function SuccessContent() {
   const searchParams = useSearchParams()
   const pledgeId = searchParams.get("pledge_id")
-  const rail = searchParams.get("rail") || "card"
+  const rail = searchParams.get("rail") || "bank"
   const cancelled = searchParams.get("cancelled") === "true"
   const [pledge, setPledge] = useState<PledgeInfo | null>(null)
   const [loading, setLoading] = useState(true)
@@ -74,16 +74,12 @@ function SuccessContent() {
   }
 
   const railLabels: Record<string, string> = {
-    card: "Card Payment",
     gocardless: "Direct Debit",
-    fpx: "FPX Online Banking",
     bank: "Bank Transfer",
   }
 
   const nextStepMessages: Record<string, string> = {
-    card: "Your card payment has been processed. You'll receive a confirmation email shortly.",
     gocardless: "Your Direct Debit mandate has been set up. The payment will be collected automatically in 3-5 working days.",
-    fpx: "Your FPX payment has been received and verified.",
     bank: "Please complete the bank transfer using the reference provided.",
   }
 
@@ -127,7 +123,7 @@ function SuccessContent() {
       )}
       <div className="rounded-lg bg-trust-blue/5 border border-trust-blue/20 p-4 space-y-2">
         <p className="text-sm font-medium text-trust-blue">What happens next?</p>
-        <p className="text-sm text-muted-foreground">{nextStepMessages[rail] || nextStepMessages.card}</p>
+        <p className="text-sm text-muted-foreground">{nextStepMessages[rail] || nextStepMessages.bank}</p>
       </div>
       <p className="text-xs text-muted-foreground">
         Need help? Contact the charity directly.{pledge && <> Ref: {pledge.reference}</>}

pledge-now-pay-later/src/app/page.tsx

@@ -663,13 +663,6 @@ export default function HomePage() {
                 desc: "UK-native charity platform. Gift Aid handled at their end or ours — your choice.",
                 tag: "Fundraising",
               },
-              {
-                name: "Stripe",
-                logo: "/images/logos/stripe.svg",
-                color: "#635BFF",
-                desc: "Accept card payments directly. PCI compliant. Money lands in your Stripe account.",
-                tag: "Card payments",
-              },
               {
                 name: "UK Bank Transfer",
                 logo: null,

pledge-now-pay-later/src/app/privacy/page.tsx

@@ -112,7 +112,7 @@ export default function PrivacyPage() {
             <h2 className="text-xl font-black text-gray-900">10. Third-Party Services</h2>
             <ul className="list-disc pl-5 space-y-1">
               <li><strong>GoCardless</strong> — for Direct Debit mandate processing (if enabled by charity)</li>
-              <li><strong>Stripe</strong> — for card payment processing (if enabled by charity)</li>
+
               <li><strong>OpenAI</strong> — for AI-powered features (amount suggestions, reminder copy). No donor PII is sent to OpenAI — only anonymised context.</li>
             </ul>
           </section>

pledge-now-pay-later/src/app/terms/page.tsx

@@ -38,7 +38,7 @@ export default function TermsPage() {
 
           <section>
             <h2 className="text-xl font-black text-gray-900">5. Payment Processing</h2>
-            <p>PNPL is not a payment processor. We facilitate pledge tracking and follow-up. Actual payment flows through your bank account, GoCardless, or Stripe. We are not liable for payment disputes, chargebacks, or failed transactions.</p>
+            <p>PNPL is not a payment processor. We facilitate pledge tracking and follow-up. Actual payment flows through your bank account or GoCardless. We are not liable for payment disputes, chargebacks, or failed transactions.</p>
           </section>
 
           <section>

pledge-now-pay-later/src/lib/stripe.ts

@@ -1,127 +0,0 @@
-import Stripe from "stripe"
-
-let stripeClient: Stripe | null = null
-
-export function getStripe(): Stripe | null {
-  if (stripeClient) return stripeClient
-
-  const key = process.env.STRIPE_SECRET_KEY
-  if (!key || key === "sk_test_REPLACE_ME") return null
-
-  stripeClient = new Stripe(key, {
-    apiVersion: "2025-01-27.acacia" as Stripe.LatestApiVersion,
-    typescript: true,
-  })
-  return stripeClient
-}
-
-/**
- * Create a Stripe Checkout Session for a card payment.
- * Returns the checkout URL to redirect the donor to.
- */
-export async function createCheckoutSession(opts: {
-  amountPence: number
-  currency: string
-  pledgeId: string
-  reference: string
-  eventName: string
-  organizationName: string
-  donorEmail?: string
-  successUrl: string
-  cancelUrl: string
-}): Promise<{ sessionId: string; checkoutUrl: string } | null> {
-  const stripe = getStripe()
-  if (!stripe) return null
-
-  try {
-    const session = await stripe.checkout.sessions.create({
-      mode: "payment",
-      payment_method_types: ["card"],
-      line_items: [
-        {
-          price_data: {
-            currency: opts.currency.toLowerCase(),
-            unit_amount: opts.amountPence,
-            product_data: {
-              name: `Donation — ${opts.eventName}`,
-              description: `Pledge ref: ${opts.reference} to ${opts.organizationName}`,
-            },
-          },
-          quantity: 1,
-        },
-      ],
-      customer_email: opts.donorEmail || undefined,
-      metadata: {
-        pledge_id: opts.pledgeId,
-        reference: opts.reference,
-      },
-      success_url: opts.successUrl,
-      cancel_url: opts.cancelUrl,
-    })
-
-    return {
-      sessionId: session.id,
-      checkoutUrl: session.url!,
-    }
-  } catch (error) {
-    console.error("Stripe checkout session error:", error)
-    return null
-  }
-}
-
-/**
- * Create a Stripe Payment Intent for embedded payment (Stripe Elements).
- * Returns client secret for frontend confirmation.
- */
-export async function createPaymentIntent(opts: {
-  amountPence: number
-  currency: string
-  pledgeId: string
-  reference: string
-  donorEmail?: string
-}): Promise<{ clientSecret: string; paymentIntentId: string } | null> {
-  const stripe = getStripe()
-  if (!stripe) return null
-
-  try {
-    const pi = await stripe.paymentIntents.create({
-      amount: opts.amountPence,
-      currency: opts.currency.toLowerCase(),
-      metadata: {
-        pledge_id: opts.pledgeId,
-        reference: opts.reference,
-      },
-      receipt_email: opts.donorEmail || undefined,
-      automatic_payment_methods: {
-        enabled: true,
-      },
-    })
-
-    return {
-      clientSecret: pi.client_secret!,
-      paymentIntentId: pi.id,
-    }
-  } catch (error) {
-    console.error("Stripe payment intent error:", error)
-    return null
-  }
-}
-
-/**
- * Verify a Stripe webhook signature.
- */
-export function constructWebhookEvent(
-  body: string | Buffer,
-  signature: string
-): Stripe.Event | null {
-  const stripe = getStripe()
-  const secret = process.env.STRIPE_WEBHOOK_SECRET
-  if (!stripe || !secret || secret === "whsec_REPLACE_ME") return null
-
-  try {
-    return stripe.webhooks.constructEvent(body, signature, secret)
-  } catch (error) {
-    console.error("Stripe webhook signature verification failed:", error)
-    return null
-  }
-}