Omair Saleh 250221b530 feat: deferred payments & installment plans — pledge = promise to pay on a date ...

CORE PRODUCT SHIFT:
A pledge is now a promise to pay on a future date, not just 'pay now'.

NEW FLOW: Amount → Schedule → Payment/Identity → Confirmation

SCHEDULE STEP (/p/[token] step 1):
- 'Pay right now' — existing card/DD/bank flow
- 'Pay on a specific date' — calendar picker with smart suggestions
  (This Friday, End of month, Payday 1st, In 2 weeks, In 1 month)
- 'Split into monthly payments' — 2/3/4/6/12 month installment plans
  with per-installment breakdown and date schedule

SCHEMA CHANGES:
- Pledge.dueDate — when the donor promises to pay (null = now)
- Pledge.planId — groups installment pledges together
- Pledge.installmentNumber / installmentTotal — e.g. 2 of 4
- Pledge.reminderSentForDueDate — tracking flag
- New indexes on dueDate+status and planId

INSTALLMENT PLANS:
- Creates N linked Pledge records with shared planId
- Each installment gets its own reference, due date, reminders
- Reminders: 2 days before, on due date, 3 days after, 10 days after
- WhatsApp receipt shows full plan summary

DEFERRED SINGLE PLEDGES:
- Reminders anchored to due date, not creation date
- 'Pay on date' → reminders: 2 days before, on day, +3d nudge, +10d final
- WhatsApp preferred when phone number provided

DASHBOARD:
- API returns dueDate, planId, installment info for each pledge
- Confirmation step shows schedule details for deferred pledges

2026-03-03 04:43:19 +08:00

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