Settle cashups: where the money ended up

A full cashup now records, per payment method, how much of the expected
takings is in the bank, still on hand (cash) or pending (on the card
report or with a POP), and writes off what was lost to card fees, bank
charges or a shortfall. Whatever is left is shown as unaccounted; closing
with an unaccounted amount is allowed after a warning.

Pending money can be marked received or written off after the event is
closed, without reopening it. Reopening starts the next cashup from the
last one. Write-offs come off net profit and show as "Bank & card
charges" in the cashup, finance and profit reports.

The reports page also moves to the shared back link.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

backend/prisma/migrations/20261021110951_add_cashup_settlement/migration.sql

@@ -0,0 +1,53 @@
+-- CreateEnum
+CREATE TYPE "CashupWriteOffCategory" AS ENUM ('card_fees', 'bank_charges', 'cash_shortfall', 'other');
+
+-- AlterTable
+ALTER TABLE "EventCashupLine" ADD COLUMN     "bankAmount" DOUBLE PRECISION,
+ADD COLUMN     "onHandAmount" DOUBLE PRECISION,
+ADD COLUMN     "pendingAmount" DOUBLE PRECISION,
+ADD COLUMN     "pendingReference" TEXT,
+ADD COLUMN     "writeOffTotal" DOUBLE PRECISION NOT NULL DEFAULT 0;
+
+-- CreateTable
+CREATE TABLE "EventCashupWriteOff" (
+    "id" TEXT NOT NULL,
+    "lineId" TEXT NOT NULL,
+    "category" "CashupWriteOffCategory" NOT NULL,
+    "amount" DOUBLE PRECISION NOT NULL,
+    "reason" TEXT,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+
+    CONSTRAINT "EventCashupWriteOff_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "EventCashupPendingResolution" (
+    "id" TEXT NOT NULL,
+    "lineId" TEXT NOT NULL,
+    "outcome" TEXT NOT NULL,
+    "amount" DOUBLE PRECISION NOT NULL,
+    "category" "CashupWriteOffCategory",
+    "notes" TEXT,
+    "performedById" TEXT,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+
+    CONSTRAINT "EventCashupPendingResolution_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateIndex
+CREATE INDEX "EventCashupWriteOff_lineId_idx" ON "EventCashupWriteOff"("lineId");
+
+-- CreateIndex
+CREATE INDEX "EventCashupPendingResolution_lineId_idx" ON "EventCashupPendingResolution"("lineId");
+
+-- CreateIndex
+CREATE INDEX "EventCashupPendingResolution_performedById_idx" ON "EventCashupPendingResolution"("performedById");
+
+-- AddForeignKey
+ALTER TABLE "EventCashupWriteOff" ADD CONSTRAINT "EventCashupWriteOff_lineId_fkey" FOREIGN KEY ("lineId") REFERENCES "EventCashupLine"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "EventCashupPendingResolution" ADD CONSTRAINT "EventCashupPendingResolution_lineId_fkey" FOREIGN KEY ("lineId") REFERENCES "EventCashupLine"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "EventCashupPendingResolution" ADD CONSTRAINT "EventCashupPendingResolution_performedById_fkey" FOREIGN KEY ("performedById") REFERENCES "User"("id") ON DELETE SET NULL ON UPDATE CASCADE;

backend/prisma/schema.prisma

@@ -88,6 +88,7 @@ model User {
   eventsClosed     Event[]       @relation("EventClosedBy")
   eventsReopened   Event[]       @relation("EventReopenedBy")
   cashupsPerformed EventCashup[]
+  pendingResolved  EventCashupPendingResolution[] @relation("PendingResolutionBy")
   notifyForEvents  Event[]       @relation("EventNotifyRecipients")
 
   personCashCountsFor     EventCashupPersonCount[] @relation("EventCashupPersonCountFor")
@@ -708,20 +709,68 @@ model EventCashup {
   @@index([eventId, createdAt])
 }
 
+// Where one method's expected takings ended up. actualAmount = bank + on hand + pending
+// (money held or on its way); write-offs explain money that's gone (fees, charges,
+// shortfalls). expected - actual - writeOffTotal is what's still unaccounted for.
 model EventCashupLine {
-  id             String                    @id @default(uuid())
-  cashupId       String
-  cashup         EventCashup               @relation(fields: [cashupId], references: [id], onDelete: Cascade)
-  method         String
-  expectedAmount Float                     @default(0)
-  actualAmount   Float?
-  variance       Float?
-  notes          String?
-  denominations  EventCashupDenomination[]
+  id                 String                         @id @default(uuid())
+  cashupId           String
+  cashup             EventCashup                    @relation(fields: [cashupId], references: [id], onDelete: Cascade)
+  method             String
+  expectedAmount     Float                          @default(0)
+  actualAmount       Float?
+  variance           Float?
+  notes              String?
+  bankAmount         Float?
+  onHandAmount       Float?
+  pendingAmount      Float?
+  // Card/Yoco report or POP reference for the pending amount.
+  pendingReference   String?
+  writeOffTotal      Float                          @default(0)
+  denominations      EventCashupDenomination[]
+  writeOffs          EventCashupWriteOff[]
+  pendingResolutions EventCashupPendingResolution[]
 
   @@index([cashupId])
 }
 
+enum CashupWriteOffCategory {
+  card_fees
+  bank_charges
+  cash_shortfall
+  other
+}
+
+model EventCashupWriteOff {
+  id        String                 @id @default(uuid())
+  lineId    String
+  line      EventCashupLine        @relation(fields: [lineId], references: [id], onDelete: Cascade)
+  category  CashupWriteOffCategory
+  amount    Float
+  reason    String?
+  createdAt DateTime               @default(now())
+
+  @@index([lineId])
+}
+
+// Pending money settled after the event was closed: it reached the bank ('received') or
+// never will ('written_off'). Append-only, like EventCashup — the line itself is never edited.
+model EventCashupPendingResolution {
+  id            String                  @id @default(uuid())
+  lineId        String
+  line          EventCashupLine         @relation(fields: [lineId], references: [id], onDelete: Cascade)
+  outcome       String // 'received' | 'written_off'
+  amount        Float
+  category      CashupWriteOffCategory?
+  notes         String?
+  performedById String?
+  performedBy   User?                   @relation("PendingResolutionBy", fields: [performedById], references: [id], onDelete: SetNull)
+  createdAt     DateTime                @default(now())
+
+  @@index([lineId])
+  @@index([performedById])
+}
+
 model EventCashupDenomination {
   id     String          @id @default(uuid())
   lineId String