Add Yoco processing fee tracking to payments, settings, and reports

Estimates and snapshots the Yoco card-processing fee (always church-borne)
on every card payment, lets the admin configure in-person/online fee % per
plan in Settings -> Payments, and surfaces the fee alongside gross revenue
across the Finance/Profit reports, Master Orders, Revenue Detailed, and the
full cashup reconciliation flow (close-out screen, Cashup report, and audit
trail) so payout figures match what actually lands in the bank.

CHANGELOG.md

@@ -7,6 +7,25 @@ and this project follows [Semantic Versioning](https://semver.org/).
 
 ## [Unreleased]
 
+### Added
+
+- Yoco processing fee tracking: Settings → Payments lets you pick your Yoco plan (Core/Plus/Pro) to pre-fill estimated in-person and online fee percentages, both freely editable. The church always absorbs this fee — it's never added to what attendees pay.
+- Every card payment now snapshots its estimated Yoco fee at the time it's recorded, so later changes to the settings don't retroactively alter historical reports.
+- Finance report, Profit report, Master Orders, and Revenue Detailed (including their CSV/PDF/email exports) now show the estimated Yoco fee and a "net after fees" figure alongside gross revenue, so the numbers reflect what actually lands in the bank.
+- Cashup reconciliation (the per-event close-out screen, the Cashup report, and the Cashup Audit Trail) now shows three figures for the card method: expected before Yoco fees, the fee itself, and expected after fees — plus overall Yoco fees and net-profit-after-fees totals — so counts reconcile against what actually settles from Yoco rather than the gross card total.
+
+## [1.3.0] - 2026-07-27
+
+### Added
+
+- At The Door: new "Check-In" tab (before "Tickets" in the tab order) for quickly redeeming a registration's Main Tickets by quantity (e.g. checking in 2 of 3 people on a booking) without scanning each QR code individually. Like the Payment tab, it only ever shows the currently opened registration — reached via the "Open" button, not a general search.
+- Checking in a Main Ticket (via the new Check-In tab or the existing QR camera scanner) now automatically sends the ticket holder a confirmation email and WhatsApp message (respecting their notification preference) stating how many were checked in and how many remain.
+
+### Changed
+
+- At The Door: the "Open" button on a registration now jumps to the Payment tab only when a balance is still outstanding; fully paid registrations jump straight to the new Check-In tab instead.
+- At The Door: recording a payment that fully settles a registration's balance now jumps straight to the Check-In tab instead of generating and print-previewing a paper ticket — tickets are already emailed/WhatsApped to the attendee automatically once the registration is paid, so a physical print is no longer forced on this path.
+
 ## [1.2.0] - 2026-07-27
 
 ### Added
@@ -57,7 +76,8 @@ and this project follows [Semantic Versioning](https://semver.org/).
 
 - Initial release of the Hope Family Church event management app (Next.js frontend + Express/Prisma backend).
 
-[Unreleased]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.2.0...main
+[Unreleased]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.3.0...main
+[1.3.0]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.2.0...v1.3.0
 [1.2.0]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.1.0...v1.2.0
 [1.1.0]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.0.1...v1.1.0
 [1.0.1]: https://git.crosscode.co.za/joshua/hope-events/compare/v1.0.0...v1.0.1

backend/package.json

@@ -1,6 +1,6 @@
 {
   "name": "event-management-backend",
-  "version": "1.2.0",
+  "version": "1.3.0",
   "description": "Event Management System Backend",
   "main": "src/index.js",
   "scripts": {

backend/prisma/migrations/20260728060433_add_yoco_fee_fields_to_payment/migration.sql

@@ -0,0 +1,5 @@
+-- AlterTable
+ALTER TABLE "Payment" ADD COLUMN     "feeAmount" DOUBLE PRECISION,
+ADD COLUMN     "feeChannel" TEXT,
+ADD COLUMN     "feePayer" TEXT,
+ADD COLUMN     "feeRate" DOUBLE PRECISION;

backend/prisma/migrations/20260728065200_add_event_fee_payer_override/migration.sql

@@ -0,0 +1,2 @@
+-- AlterTable
+ALTER TABLE "Event" ADD COLUMN     "feePayerOnline" TEXT;

backend/prisma/migrations/20260728070306_remove_fee_payer_fields/migration.sql

@@ -0,0 +1,12 @@
+/*
+  Warnings:
+
+  - You are about to drop the column `feePayerOnline` on the `Event` table. All the data in the column will be lost.
+  - You are about to drop the column `feePayer` on the `Payment` table. All the data in the column will be lost.
+
+*/
+-- AlterTable
+ALTER TABLE "Event" DROP COLUMN "feePayerOnline";
+
+-- AlterTable
+ALTER TABLE "Payment" DROP COLUMN "feePayer";

backend/prisma/migrations/20260728085349_add_fee_amount_to_cashup_line/migration.sql

@@ -0,0 +1,2 @@
+-- AlterTable
+ALTER TABLE "EventCashupLine" ADD COLUMN     "feeAmount" DOUBLE PRECISION;

backend/prisma/schema.prisma

@@ -221,6 +221,9 @@ model Payment {
   externalId        String?           @unique
   status            String?
   originalPaymentId String?
+  feeAmount         Float?
+  feeRate           Float?
+  feeChannel        String?
   createdAt         DateTime          @default(now())
   user              User              @relation(fields: [userId], references: [id], onDelete: Restrict)
   registration      Registration?     @relation(fields: [registrationId], references: [id], onDelete: SetNull)
@@ -461,6 +464,7 @@ model EventCashupLine {
   cashup         EventCashup               @relation(fields: [cashupId], references: [id], onDelete: Cascade)
   method         String
   expectedAmount Float                     @default(0)
+  feeAmount      Float?
   actualAmount   Float?
   variance       Float?
   notes          String?

backend/src/controllers/cashupController.js

@@ -53,7 +53,9 @@ const closeEvent = async (req, res) => {
       ? lines
         .filter(l => l && ALL_METHODS.includes(l.method))
         .map(l => {
-          const expected = financials.expectedCashByMethod[l.method] || 0;
+          // expectedInBankByMethod nets out Yoco fees (only ever nonzero for 'card') so the
+          // variance reconciles against what should actually land in the bank, not the gross figure.
+          const expected = financials.expectedInBankByMethod[l.method] || 0;
           const denominations = l.method === 'cash' && Array.isArray(l.denominations)
             ? l.denominations
               .map(d => ({ value: parseFloat(d.value), count: parseInt(d.count, 10) || 0 }))
@@ -66,6 +68,7 @@ const closeEvent = async (req, res) => {
             id: uuidv4(),
             method: l.method,
             expectedAmount: expected,
+            feeAmount: financials.feesByMethod[l.method] || 0,
             actualAmount: actual,
             variance: actual !== null ? actual - expected : null,
             notes: l.notes || null,
@@ -77,7 +80,7 @@ const closeEvent = async (req, res) => {
     const totalActualRevenue = isFullCashup
       ? cashupLines.reduce((sum, l) => sum + (l.actualAmount !== null ? l.actualAmount : 0), 0)
       : null;
-    const totalExpectedRevenue = ALL_METHODS.reduce((sum, m) => sum + financials.expectedCashByMethod[m], 0);
+    const totalExpectedRevenue = ALL_METHODS.reduce((sum, m) => sum + financials.expectedInBankByMethod[m], 0);
 
     const cashup = await prisma.eventCashup.create({
       data: {

backend/src/controllers/paymentController.js

@@ -5,7 +5,8 @@ const { computeRegistrationTotalDue, refreshPricingForRegistration } = require('
 const axios = require('axios');
 const { emailTickets } = require('./ticketController');
 const { safeErrorMessage } = require('../utils/errorUtils');
-const { assertEventOpen } = require('../utils/cashupUtils');
+const { assertEventOpen, bucketForMethod } = require('../utils/cashupUtils');
+const { getYocoFeeConfig, computeFeeSnapshot } = require('../utils/yocoFees');
 
 // @desc    Create a new payment
 // @route   POST /api/payments
@@ -58,6 +59,14 @@ const createPayment = async (req, res) => {
       throw new Error('Payment method is required');
     }
 
+    // Snapshot the Yoco fee estimate for this payment's method/amount at creation time —
+    // never recomputed later, so historical reports stay stable if settings change (see
+    // priceSnapshot in utils/pricing.js for the same philosophy). In-person is always
+    // church-borne: this app doesn't control the amount charged on a physical card machine.
+    const feeConfig = await getYocoFeeConfig();
+    const feeBucket = bucketForMethod(method);
+    const feeFor = (amt) => computeFeeSnapshot({ grossAmount: amt, channel: 'in_person', bucket: feeBucket, config: feeConfig });
+
     // Validate required parameters based on isDonation flag
     if (isDonation && !eventId) {
       res.status(400);
@@ -160,7 +169,8 @@ const createPayment = async (req, res) => {
             registrationId: null,
             eventId: registration.eventId,
             isDonation: true,
-            createdAt: paidAtDate || undefined
+            createdAt: paidAtDate || undefined,
+            ...feeFor(requestedAmount)
           },
           include: {
             user: { select: { id: true, name: true, email: true } },
@@ -178,7 +188,8 @@ const createPayment = async (req, res) => {
             registrationId,
             eventId: registrationEventId || eventId || null,
             isDonation: false,
-            createdAt: paidAtDate || undefined
+            createdAt: paidAtDate || undefined,
+            ...feeFor(applyAmount)
           },
           include: {
             user: { select: { id: true, name: true, email: true } },
@@ -199,7 +210,8 @@ const createPayment = async (req, res) => {
               eventId: registration.eventId,
               isDonation: true,
               originalPaymentId: payment.id,
-              createdAt: paidAtDate || undefined
+              createdAt: paidAtDate || undefined,
+              ...feeFor(excess)
             }
           });
         }
@@ -215,7 +227,8 @@ const createPayment = async (req, res) => {
           registrationId: registrationId || null,
           eventId: registrationEventId || eventId || null,
           isDonation: isDonation || false,
-          createdAt: paidAtDate || undefined
+          createdAt: paidAtDate || undefined,
+          ...feeFor(parseFloat(amount))
         },
         include: {
           user: { select: { id: true, name: true, email: true } },

backend/src/controllers/ticketController.js

@@ -321,6 +321,7 @@ const scanTicket = async (req, res) => {
         e.title              AS "eventTitle",
         eo.id                AS "eventOptionId",
         eo.name              AS "eventOptionName",
+        eo."isMainTicket"    AS "isMainTicket",
         COALESCE(
           json_agg(
             json_build_object(
@@ -352,7 +353,7 @@ const scanTicket = async (req, res) => {
       isUsed:   r.isUsed,
       eventId:  r.eventId,
       event:    { title: r.eventTitle },
-      registrationOption: { eventOption: { id: r.eventOptionId, name: r.eventOptionName } },
+      registrationOption: { eventOption: { id: r.eventOptionId, name: r.eventOptionName, isMainTicket: r.isMainTicket } },
       usages:   r.usages || []
     };
 
@@ -398,6 +399,14 @@ const scanTicket = async (req, res) => {
       })
     ]);
 
+    // Only Main Tickets trigger a check-in notification (add-on tickets scanned via
+    // the QR camera flow are unaffected)
+    if (ticket.registrationOption?.eventOption?.isMainTicket) {
+      require('../utils/notifications')
+        .sendCheckInEmails(ticket.id, qtyToRedeem, newTotalRedeemed, newRemaining)
+        .catch(e => console.error('Failed to send check-in notification:', e));
+    }
+
     res.json({
       message: `Ticket scanned successfully (${qtyToRedeem} of ${ticket.quantity || 1} redeemed${newRemaining > 0 ? `, ${newRemaining} remaining` : ''})`,
       ticketUsage,

backend/src/controllers/webhookController.js

@@ -4,6 +4,8 @@ const { v4: uuidv4 } = require('uuid');
 const { generateTicketsForRegistration } = require('../utils/ticketUtils');
 const { emailTickets } = require('./ticketController');
 const { computeRegistrationTotalDue, refreshPricingForRegistration } = require('../utils/pricing');
+const { bucketForMethod } = require('../utils/cashupUtils');
+const { getYocoFeeConfig, computeFeeSnapshot } = require('../utils/yocoFees');
 
 // @desc    Handle Yoco webhook events
 // @route   POST /api/webhooks/yoco
@@ -313,18 +315,25 @@ const handlePaymentSucceeded = async (webhookData) => {
       } catch (e) { /* ignore — payment will fail below if still null */ }
     }
 
+    // Snapshot the Yoco fee for this payment at creation time, using current settings — never
+    // recomputed later, so historical reports stay stable if settings change.
+    const grossAmount = amount / 100;
+    const feeConfig = await getYocoFeeConfig();
+    const feeSnapshot = computeFeeSnapshot({ grossAmount, channel: 'online', bucket: bucketForMethod(method.type), config: feeConfig });
+
     // Create payment record
     const payment = await prisma.payment.create({
       data: {
         id: uuidv4(), // Generate a UUID for the payment
-        amount: amount / 100, // Convert cents to your currency unit
+        amount: grossAmount, // Convert cents to your currency unit
         method: method.type, // The type of payment from the webhook
         status: status === 'succeeded' ? 'completed' : status,
         externalId: yocoPaymentId,
         registrationId: registration?.id || null,
         userId: resolvedUserId,
         eventId: registration?.eventId || metadata?.eventId || null,
-        isDonation: !registration?.id
+        isDonation: !registration?.id,
+        ...feeSnapshot
       },
       include: {
         user: {

backend/src/utils/cashupUtils.js

@@ -104,6 +104,15 @@ async function computeEventFinancials(eventId) {
   }
   const totalRevenue = payments.reduce((sum, p) => sum + p.amount, 0);
 
+  // Yoco processing fees, snapshotted per-payment at creation time (see utils/yocoFees.js).
+  // Always absorbed by the church — never passed on to the buyer.
+  const feesByMethod = emptyByMethod();
+  for (const p of nonRefundPayments) {
+    if (p.feeAmount == null) continue;
+    feesByMethod[bucketForMethod(p.method)] += p.feeAmount;
+  }
+  const totalFees = ALL_METHODS.reduce((s, m) => s + feesByMethod[m], 0);
+
   // Costs, with computed totals and attribution to a payment method's float (if tagged)
   const costBreakdown = costs.map(c => {
     const total = c.costType === 'per_item'
@@ -126,6 +135,13 @@ async function computeEventFinancials(eventId) {
   const expectedCashByMethod = emptyByMethod();
   for (const m of ALL_METHODS) expectedCashByMethod[m] = paymentsByMethod[m] - costsByMethod[m];
 
+  // What should actually land in the bank per method — same as expectedCashByMethod, minus
+  // Yoco's cut (only ever nonzero for 'card'). This is a reconciliation-only figure: it must
+  // NOT feed effectiveGrossIncomeByMethod/netProfit below, since totalFees is already subtracted
+  // there once via netProfitAfterFees — folding it into expectedCashByMethod too would double-count.
+  const expectedInBankByMethod = emptyByMethod();
+  for (const m of ALL_METHODS) expectedInBankByMethod[m] = expectedCashByMethod[m] - feesByMethod[m];
+
   // Most recent reconciliation on record (if any) — the source of "actual" truth
   const latestReconciled = history.find(h => h.action === 'closed' || h.action === 'quick_closed') || null;
   const reconciled = latestReconciled ? {
@@ -139,7 +155,8 @@ async function computeEventFinancials(eventId) {
       for (const m of ALL_METHODS) {
         const line = latestReconciled.lines.find(l => l.method === m);
         out[m] = {
-          expected: line ? line.expectedAmount : expectedCashByMethod[m],
+          expected: line ? line.expectedAmount : expectedInBankByMethod[m],
+          fee: line && line.feeAmount != null ? line.feeAmount : feesByMethod[m],
           actual: line && line.actualAmount != null ? line.actualAmount : null,
           variance: line && line.variance != null ? line.variance : null,
           notes: line ? line.notes : null,
@@ -161,6 +178,7 @@ async function computeEventFinancials(eventId) {
   }
   const effectiveTotalRevenue = ALL_METHODS.reduce((s, m) => s + effectiveGrossIncomeByMethod[m], 0);
   const netProfit = effectiveTotalRevenue - totalCosts;
+  const netProfitAfterFees = netProfit - totalFees;
 
   // What was actually sold, by ticket type — for the Finance report's income-stream breakdown
   const salesByOptionMap = {};
@@ -183,10 +201,14 @@ async function computeEventFinancials(eventId) {
     untaggedCostsTotal,
     totalCosts,
     expectedCashByMethod,
+    expectedInBankByMethod,
     reconciled,
     effectiveGrossIncomeByMethod,
     effectiveTotalRevenue,
     netProfit,
+    feesByMethod,
+    totalFees,
+    netProfitAfterFees,
     unallocatedDonations,
     unallocatedDonationsTotal,
     totalDonations,

backend/src/utils/notifications.js

@@ -80,6 +80,17 @@ async function loadRegistrationFull(registrationId) {
   });
 }
 
+async function loadTicketFull(ticketId) {
+  return prisma.ticket.findUnique({
+    where: { id: ticketId },
+    include: {
+      user: { select: { id: true, name: true, email: true, phoneNumber: true, notificationPreference: true } },
+      event: true,
+      registrationOption: { include: { eventOption: true, variant: true } },
+    },
+  });
+}
+
 async function loadPaymentFull(paymentId) {
   return prisma.payment.findUnique({
     where: { id: paymentId },
@@ -488,6 +499,33 @@ function buildPaymentReceipt(payment) {
   return { subject, text, html: emailWrapper(body, { preheader }) };
 }
 
+// ─── Check-in confirmation (Main Tickets, door check-in) ───────────────────────
+
+function buildCheckInConfirmation(ticket, qtyRedeemed, totalRedeemed, remaining) {
+  const org = getOrg();
+  const eventTitle = ticket.event?.title || 'the event';
+  const optionName = ticket.registrationOption?.eventOption?.name || 'Main Ticket';
+  const fullyCheckedIn = remaining <= 0;
+  const subject = `Checked in – ${eventTitle}`;
+  const preheader = `${qtyRedeemed} checked in for ${eventTitle}.`;
+
+  const body = `
+    <p style="font-size:22px;font-weight:800;color:#0f172a;margin:0 0 8px 0;letter-spacing:-0.3px">You're checked in! ✅</p>
+    <p style="font-size:14px;color:#64748b;margin:0 0 32px 0">See you inside</p>
+
+    <p style="margin:0 0 4px 0;color:#374151;font-family:${ff}">Hi <strong>${ticket.user?.name || 'there'}</strong>,</p>
+    <p style="margin:0 0 28px 0;color:#374151;font-family:${ff}">
+      <strong>${qtyRedeemed}</strong> ${optionName}${qtyRedeemed === 1 ? '' : 's'} just checked in for <strong>${eventTitle}</strong>.
+    </p>
+
+    ${callout(`<strong style="font-size:15px">${totalRedeemed} of ${ticket.quantity || 1} checked in</strong>${
+      fullyCheckedIn ? '' : `<br/><span style="font-size:13px">${remaining} remaining on this ticket</span>`
+    }`, fullyCheckedIn ? 'success' : 'info')}`;
+
+  const text = `You're checked in!\n\nHi ${ticket.user?.name || 'there'},\n\n${qtyRedeemed} ${optionName}(s) just checked in for ${eventTitle}.\n\n${totalRedeemed} of ${ticket.quantity || 1} checked in${fullyCheckedIn ? '' : `, ${remaining} remaining`}.\n\n${org.name} — ${org.email}`;
+  return { subject, text, html: emailWrapper(body, { preheader }) };
+}
+
 // ─── Donation applied to a registration ────────────────────────────────────────
 //
 // Distinct from buildPaymentReceipt: this is sent to the REGISTRANT when staff apply
@@ -893,6 +931,32 @@ async function sendRefundEmail(refundPaymentId) {
   }
 }
 
+async function sendCheckInEmails(ticketId, qtyRedeemed, totalRedeemed, remaining) {
+  try {
+    const ticket = await loadTicketFull(ticketId);
+    if (!ticket) return;
+    const user = ticket.user;
+    const { shouldEmail, waText, waTextAny } = require('./notify');
+    const { buildWACheckIn } = require('./waMessages');
+
+    const sends = [];
+    const hasValidEmail = user?.email && !user.email.endsWith('@guest.local') && !user.email.endsWith('@deleted.invalid');
+    if (hasValidEmail && shouldEmail(user)) {
+      const msg = buildCheckInConfirmation(ticket, qtyRedeemed, totalRedeemed, remaining);
+      sends.push(sendMail({ to: user.email, subject: msg.subject, html: msg.html, text: msg.text }));
+    }
+    const waMsg = buildWACheckIn(ticket, qtyRedeemed, totalRedeemed, remaining);
+    if (hasValidEmail) {
+      sends.push(waText(user, waMsg));
+    } else {
+      sends.push(waTextAny(user, waMsg));
+    }
+    await Promise.all(sends);
+  } catch (e) {
+    console.error('Failed to send check-in emails:', e);
+  }
+}
+
 // Sent when staff apply a donation to someone's registration. Only the registrant is
 // notified (anonymously, per design) — the donor already received their donation-received
 // notification when the donation was originally made, so they are deliberately not emailed
@@ -981,4 +1045,6 @@ module.exports = {
   sendRefundEmail,
   sendSelfServiceRegistrationEmails,
   sendDonationAssignmentEmails,
+  sendCheckInEmails,
+  buildCheckInConfirmation,
 };

backend/src/utils/waMessages.js

@@ -107,6 +107,26 @@ function buildWAPayment(payment) {
   ].join('\n');
 }
 
+// ─── Check-in confirmation (Main Tickets, door check-in) ───────────────────────
+
+function buildWACheckIn(ticket, qtyRedeemed, totalRedeemed, remaining) {
+  const org        = getOrg();
+  const eventTitle = ticket.event?.title || 'the event';
+  const name       = ticket.user?.name || 'there';
+  const fullyCheckedIn = remaining <= 0;
+
+  return [
+    `✅ *Checked In*`,
+    '',
+    `Hi ${name},`,
+    '',
+    `*${qtyRedeemed}* checked in for *${eventTitle}*.`,
+    `*${totalRedeemed} of ${ticket.quantity || 1}* checked in${fullyCheckedIn ? '' : `, *${remaining}* remaining`}.`,
+    '',
+    `_${org.name}_ | ${org.url}`,
+  ].join('\n');
+}
+
 // ─── Login notification ───────────────────────────────────────────────────────
 
 function buildWALogin({ name, when, location, userAgent }) {
@@ -255,4 +275,5 @@ module.exports = {
   buildWAWelcome,
   buildWAAccountClosed,
   buildWATicketCaption,
+  buildWACheckIn,
 };

backend/src/utils/yocoFees.js

@@ -0,0 +1,35 @@
+/**
+ * Yoco processing fee estimation.
+ *
+ * Yoco's real rate depends on plan, channel (in-person card machine vs. online checkout),
+ * monthly volume tier, and card type — none of which this app tracks. Instead the admin
+ * configures one flat, editable % per channel (Settings → Payments), pre-filled from a
+ * representative default when they pick a plan. The church always absorbs this fee — it's
+ * shown in reports so payout figures are accurate, never passed on to the buyer.
+ */
+
+const { getSetting } = require('./settingsCache');
+
+async function getYocoFeeConfig() {
+  const [inPersonPct, onlinePct] = await Promise.all([
+    getSetting('yoco_fee_in_person_pct', '0'),
+    getSetting('yoco_fee_online_pct', '0'),
+  ]);
+  return {
+    inPersonRate: parseFloat(inPersonPct) || 0, // percent, e.g. 2.30
+    onlineRate: parseFloat(onlinePct) || 0,
+  };
+}
+
+// Snapshot to store on a Payment row at creation time. Only 'card' payments are fee-eligible —
+// cash/eft/voucher never incur a Yoco fee.
+function computeFeeSnapshot({ grossAmount, channel, bucket, config }) {
+  if (bucket !== 'card') {
+    return { feeAmount: null, feeRate: null, feeChannel: null };
+  }
+  const rate = channel === 'online' ? config.onlineRate : config.inPersonRate;
+  const feeAmount = Math.round(grossAmount * (rate / 100) * 100) / 100;
+  return { feeAmount, feeRate: rate, feeChannel: channel };
+}
+
+module.exports = { getYocoFeeConfig, computeFeeSnapshot };

frontend/package.json

@@ -1,6 +1,6 @@
 {
   "name": "hope-events-frontend",
-  "version": "1.2.0",
+  "version": "1.3.0",
   "private": true,
   "scripts": {
     "dev": "next dev --turbopack",

frontend/src/app/dashboard/admin/cashup/[id]/page.tsx

@@ -372,7 +372,9 @@ function ReconciliationTab({ eventId, token, data, busy, setBusy, setError, onCh
               <th className="py-1">Method</th>
               <th className="py-1 text-right">Income</th>
               <th className="py-1 text-right">Costs from method</th>
-              <th className="py-1 text-right">Expected cash</th>
+              <th className="py-1 text-right">Expected (before fees)</th>
+              <th className="py-1 text-right">Yoco fee</th>
+              <th className="py-1 text-right">Expected (after fees)</th>
               <th className="py-1 text-right">Actual</th>
               <th className="py-1 text-right">Variance</th>
               <th className="py-1">Notes</th>
@@ -381,12 +383,15 @@ function ReconciliationTab({ eventId, token, data, busy, setBusy, setError, onCh
           <tbody>
             {METHODS.map(m => {
               const r = reconciled?.byMethod?.[m];
+              const expected = data.expectedInBankByMethod[m];
               return (
                 <tr key={m} className="border-b last:border-0 align-top">
                   <td className="py-1.5">{METHOD_LABELS[m]}</td>
                   <td className="py-1.5 text-right">{money(data.paymentsByMethod[m])}</td>
                   <td className="py-1.5 text-right">{money(data.costsByMethod[m])}</td>
                   <td className="py-1.5 text-right">{money(data.expectedCashByMethod[m])}</td>
+                  <td className="py-1.5 text-right">{money(data.feesByMethod[m])}</td>
+                  <td className="py-1.5 text-right">{money(expected)}</td>
                   <td className="py-1.5 text-right">
                     {isClosed ? (
                       money(r?.actual ?? null)
@@ -400,8 +405,8 @@ function ReconciliationTab({ eventId, token, data, busy, setBusy, setError, onCh
                     {isClosed
                       ? (r?.variance != null ? money(r.variance) : <span className="text-gray-400">not reconciled</span>)
                       : (m === "cash"
-                        ? (cashActualFromDenoms > 0 ? money(cashActualFromDenoms - data.expectedCashByMethod[m]) : "—")
+                        ? (cashActualFromDenoms > 0 ? money(cashActualFromDenoms - expected) : "—")
-                        : (lines[m].actualAmount !== "" ? money(parseFloat(lines[m].actualAmount) - data.expectedCashByMethod[m]) : "—"))}
+                        : (lines[m].actualAmount !== "" ? money(parseFloat(lines[m].actualAmount) - expected) : "—"))}
                   </td>
                   <td className="py-1.5">
                     {isClosed ? (r?.notes || "—") : (
@@ -447,7 +452,7 @@ function ReconciliationTab({ eventId, token, data, busy, setBusy, setError, onCh
         )}
       </div>
 
-      <div className="bg-white border rounded-lg p-4 grid grid-cols-1 sm:grid-cols-3 gap-3 text-sm">
+      <div className="bg-white border rounded-lg p-4 grid grid-cols-1 sm:grid-cols-4 gap-3 text-sm">
         <div>
           <div className="text-gray-500 text-xs">Donations counted as profit</div>
           <div className="font-semibold">{money(data.unallocatedDonationsTotal)}</div>
@@ -457,8 +462,12 @@ function ReconciliationTab({ eventId, token, data, busy, setBusy, setError, onCh
           <div className="font-semibold">{money(data.totalCosts)}</div>
         </div>
         <div>
-          <div className="text-gray-500 text-xs">Net profit</div>
+          <div className="text-gray-500 text-xs">Yoco fees</div>
-          <div className="font-semibold">{money(data.netProfit)}</div>
+          <div className="font-semibold">{money(data.totalFees)}</div>
+        </div>
+        <div>
+          <div className="text-gray-500 text-xs">Net profit (after fees)</div>
+          <div className="font-semibold">{money(data.netProfitAfterFees)}</div>
         </div>
       </div>
 

frontend/src/app/dashboard/admin/settings/page.tsx

@@ -7,7 +7,7 @@ import { apiFetch, API_BASE, resolveToApiOrigin } from "@/lib/api";
 import { useSiteSettings } from "@/contexts/SiteSettingsContext";
 import { useDismissingState } from "@/hooks/useDismissingState";
 
-type TabId = "organisation" | "branding" | "notifications" | "email" | "legal";
+type TabId = "organisation" | "branding" | "notifications" | "email" | "legal" | "payments";
 
 const TABS: { id: TabId; label: string }[] = [
   { id: "organisation",  label: "Organisation"  },
@@ -15,8 +15,19 @@ const TABS: { id: TabId; label: string }[] = [
   { id: "notifications", label: "Notifications" },
   { id: "email",         label: "Email"         },
   { id: "legal",         label: "Legal"         },
+  { id: "payments",      label: "Payments"      },
 ];
 
+// Default fee % pre-fill per Yoco plan — the "Up to R50k / Debit" rate, since debit is the
+// most common consumer card type in SA and small churches likely stay in the lowest volume
+// tier. Purely a UI convenience for the plan <select>; the actual % fields stay freely
+// editable afterward so the admin can match their real blended rate.
+const YOCO_PLAN_DEFAULTS: Record<"core" | "plus" | "pro", { inPerson: string; online: string }> = {
+  core: { inPerson: "2.30", online: "2.95" },
+  plus: { inPerson: "2.10", online: "2.75" },
+  pro:  { inPerson: "1.95", online: "2.55" },
+};
+
 const inputCls =
   "w-full border rounded-lg px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-indigo-400";
 
@@ -112,6 +123,11 @@ export default function SiteSettingsPage() {
   const [legalWebsiteUrl, setLegalWebsiteUrl] = useState("");
   const [legalEffectiveDate, setLegalEffectiveDate] = useState("");
 
+  // ── Payments (Yoco fees) ──
+  const [yocoPlan, setYocoPlan] = useState<"core" | "plus" | "pro">("core");
+  const [feeInPersonPct, setFeeInPersonPct] = useState("");
+  const [feeOnlinePct, setFeeOnlinePct] = useState("");
+
   // ── Load all settings once ────────────────────────────────────────────────
   useEffect(() => {
     if (!token) return;
@@ -138,6 +154,9 @@ export default function SiteSettingsPage() {
         setLegalIoEmail(s.legal_io_email || "");
         setLegalWebsiteUrl(s.legal_website_url || "");
         setLegalEffectiveDate(s.legal_effective_date || "");
+        setYocoPlan((s.yoco_plan as "core" | "plus" | "pro") || "core");
+        setFeeInPersonPct(s.yoco_fee_in_person_pct || "");
+        setFeeOnlinePct(s.yoco_fee_online_pct || "");
       })
       .catch((e: any) => setResult({ ok: false, message: e?.message || "Failed to load settings" }))
       .finally(() => setLoadingInitial(false));
@@ -239,6 +258,19 @@ export default function SiteSettingsPage() {
     legal_effective_date: legalEffectiveDate.trim(),
   });
 
+  const handleYocoPlanChange = (plan: "core" | "plus" | "pro") => {
+    setYocoPlan(plan);
+    const defaults = YOCO_PLAN_DEFAULTS[plan];
+    setFeeInPersonPct(defaults.inPerson);
+    setFeeOnlinePct(defaults.online);
+  };
+
+  const savePayments = () => save({
+    yoco_plan:                 yocoPlan,
+    yoco_fee_in_person_pct:    feeInPersonPct.trim(),
+    yoco_fee_online_pct:       feeOnlinePct.trim(),
+  });
+
   const handleTestSmtp = async () => {
     if (!token) return;
     setSmtpTesting(true);
@@ -505,6 +537,44 @@ export default function SiteSettingsPage() {
           <SaveBar saving={saving} onSave={saveLegal} result={result} />
         </div>
       )}
+
+      {/* ── Payments (Yoco fees) ─────────────────────────────────────────────── */}
+      {activeTab === "payments" && (
+        <div className="space-y-4">
+          <p className="text-sm text-gray-500">
+            Yoco deducts a processing fee from every card transaction before it reaches your bank account.
+            Reports use the estimate below to show a more accurate payout. Yoco&apos;s real rate varies by
+            monthly volume and card type, which this app doesn&apos;t track — pick your plan to pre-fill a
+            starting value, then adjust the percentages to match your actual bank statement.
+          </p>
+
+          <Field label="Yoco plan">
+            <select
+              className={inputCls}
+              value={yocoPlan}
+              onChange={e => handleYocoPlanChange(e.target.value as "core" | "plus" | "pro")}
+            >
+              <option value="core">Core</option>
+              <option value="plus">Plus</option>
+              <option value="pro">Pro</option>
+            </select>
+          </Field>
+
+          <div className="grid sm:grid-cols-2 gap-4">
+            <Field label="In-person (card machine) fee %">
+              <input type="number" step="0.01" min="0" max="100" className={inputCls} placeholder="2.30"
+                value={feeInPersonPct} onChange={e => setFeeInPersonPct(e.target.value)} />
+            </Field>
+            <Field label="Online (checkout link) fee %">
+              <input type="number" step="0.01" min="0" max="100" className={inputCls} placeholder="2.95"
+                value={feeOnlinePct} onChange={e => setFeeOnlinePct(e.target.value)} />
+            </Field>
+          </div>
+          <p className="text-xs text-gray-400">These fees are always absorbed by the church — they're shown in reports for an accurate payout, never added to what attendees pay.</p>
+
+          <SaveBar saving={saving} onSave={savePayments} result={result} />
+        </div>
+      )}
     </div>
   );
 }

frontend/src/app/dashboard/supervisor/at-the-door/page.tsx

@@ -7,7 +7,15 @@ import { apiFetch } from "@/lib/api";
 import { scoreUser } from "@/lib/fuzzyMatch";
 import { useDismissingState } from "@/hooks/useDismissingState";
 
-type Mode = "registration" | "payment" | "tickets" | "refund";
+type Mode = "registration" | "payment" | "checkin" | "tickets" | "refund";
+
+const MODE_LABELS: Record<Mode, string> = {
+    registration: "REGISTRATION",
+    payment: "PAYMENT",
+    checkin: "CHECK-IN",
+    tickets: "TICKETS",
+    refund: "REFUND",
+};
 
 // ─── Fuzzy search helpers ─────────────────────────────────────────────────────
 
@@ -159,8 +167,7 @@ export default function AtTheDoorPage() {
     const [error, setError] = useDismissingState<string | null>(null);
 
     const handleRegistrationCreated = (registration: any) => {
-        setActiveRegistration(registration);
+        setActiveRegistration(registration); // 🚀 Jump automatically (see effect below)
-        setMode("payment"); // 🚀 Jump automatically
     };
 
     const handleRegistrationSelected = (registration: any) => {
@@ -171,7 +178,9 @@ export default function AtTheDoorPage() {
         if (!activeRegistration) return;
 
         const id = setTimeout(() => {
-            setMode("payment");
+            // Fully paid → head straight to check-in; otherwise there's still a
+            // balance to collect, so go capture payment first.
+            setMode(activeRegistration.status === "paid" ? "checkin" : "payment");
         }, 0);
 
         return () => clearTimeout(id);
@@ -317,28 +326,12 @@ export default function AtTheDoorPage() {
 
         const reg = registration || activeRegistration;
 
-        try {
+        // Tickets are generated and emailed/WhatsApped automatically server-side
-            const res = await apiFetch<any>("/api/tickets/generate", {
+        // once a registration reaches "paid" (see paymentController) — no need to
-                method: "POST",
+        // fetch/print them here, just move straight to checking the attendee in.
-                authToken: token,
+        setActiveRegistration(reg);
-                body: {
+        setInfo("Payment recorded — tickets sent. Ready to check in.");
-                    registrationId: reg.id
+        setMode("checkin");
-                }
-            });
-
-            const tickets = res?.tickets || [];
-
-            if (tickets.length) {
-                printTickets(tickets);
-            }
-
-            setInfo("Payment recorded & tickets printed");
-            setActiveRegistration(null);
-            setMode("registration");
-
-        } catch (e: any) {
-            setError(e?.message || "Tickets failed to generate");
-        }
     };
 
     const handleDonation = (user?: any) => {
@@ -346,97 +339,6 @@ export default function AtTheDoorPage() {
         setShowDonationModal(true);
     };
 
-    const buildTicketHtmlCard = (t: any) => {
-        const eventTitle =
-            t.event?.title ||
-            t.registrationOption?.registration?.event?.title ||
-            "Event";
-
-        const ticketType = ticketLabel(t);
-        const qty = t.quantity || 1;
-        const holder =
-            t.user?.name ||
-            t.registrationOption?.registration?.user?.name ||
-            "";
-        const qrValue = t.qrCode || t.id;
-        const qrSrc = `https://api.qrserver.com/v1/create-qr-code/?size=200x200&data=${encodeURIComponent(qrValue)}`;
-
-        return `<div class="ticket">
-  <div class="top">
-    <div class="evt">${eventTitle}</div>
-    <div class="type">${ticketType}</div>
-    ${holder ? `<div class="holder">${holder}</div>` : ""}
-    <div class="qty">Qty: <strong>${qty}</strong></div>
-  </div>
-  <div class="qrwrap"><img src="${qrSrc}" alt="QR" /></div>
-  <div class="meta">${t.id}</div>
-</div>`;
-    };
-
-    const openPrintWindow = (cardsHtml: string) => {
-        const w = window.open("", "_blank");
-        if (!w) return;
-        w.document.write(`<!doctype html><html><head><style>
-  @page { size: A4; margin: 8mm; }
-  * { box-sizing: border-box; }
-  body { font-family: Arial, Helvetica, sans-serif; margin: 0; padding: 0; background: #fff; }
-  .page {
-    display: grid;
-    grid-template-columns: 1fr 1fr;
-    grid-template-rows: 1fr 1fr;
-    width: 194mm;
-    height: 281mm;
-    gap: 4mm;
-    page-break-after: always;
-    break-after: page;
-  }
-  .page:last-child { page-break-after: avoid; break-after: avoid; }
-  .ticket {
-    border: 1.5px solid #222;
-    border-radius: 3mm;
-    padding: 5mm;
-    display: flex;
-    flex-direction: column;
-    justify-content: space-between;
-    overflow: hidden;
-    min-height: 0;
-  }
-  .top { flex: 0 0 auto; }
-  .evt { font-weight: bold; font-size: 13pt; line-height: 1.2; }
-  .type { font-size: 11pt; margin-top: 2mm; color: #333; }
-  .holder { font-size: 10pt; margin-top: 1mm; color: #555; }
-  .qty { font-size: 10pt; margin-top: 1mm; }
-  .qrwrap { display: flex; justify-content: center; align-items: center; flex: 1 1 auto; padding: 3mm 0; }
-  .qrwrap img { width: 48mm; height: 48mm; display: block; }
-  .meta { font-size: 7pt; color: #777; text-align: center; flex: 0 0 auto; word-break: break-all; }
-</style></head><body>${cardsHtml}<script>
-(function(){
-  function go(){
-    var imgs=Array.prototype.slice.call(document.images);
-    if(!imgs.length){window.print();return;}
-    var n=imgs.length;
-    function done(){if(--n<=0)setTimeout(function(){window.print();},150);}
-    imgs.forEach(function(i){if(i.complete)done();else{i.addEventListener('load',done,{once:true});i.addEventListener('error',done,{once:true});}});
-  }
-  if(document.readyState==='complete')go();else window.addEventListener('load',go);
-})();
-</script></body></html>`);
-        w.document.close();
-    };
-
-    const printTickets = (tickets: any[]) => {
-        if (!tickets?.length) return;
-        // 4 per A4 page (2 columns × 2 rows)
-        const PAGE_SIZE = 4;
-        const pages: string[] = [];
-        for (let i = 0; i < tickets.length; i += PAGE_SIZE) {
-            const chunk = tickets.slice(i, i + PAGE_SIZE);
-            pages.push(`<div class="page">${chunk.map(buildTicketHtmlCard).join("")}</div>`);
-        }
-        openPrintWindow(pages.join(""));
-    };
-
-
     return (
         <div className="max-w-6xl mx-auto w-full p-4 sm:p-6">
 
@@ -482,7 +384,7 @@ export default function AtTheDoorPage() {
 
             {/* Mode Buttons */}
             <div className="flex gap-2 mb-4 flex-wrap">
-                {(["registration", "payment", "tickets", "refund"] as Mode[]).map(m => (
+                {(["registration", "payment", "checkin", "tickets", "refund"] as Mode[]).map(m => (
                     <button
                         key={m}
                         onClick={() => setMode(m)}
@@ -494,7 +396,7 @@ export default function AtTheDoorPage() {
                                 : "bg-white hover:bg-gray-50"
                         }`}
                     >
-                        {m.toUpperCase()}
+                        {MODE_LABELS[m]}
                     </button>
                 ))}
             </div>
@@ -522,6 +424,10 @@ export default function AtTheDoorPage() {
                 />
             )}
 
+            {mode === "checkin" && (
+                <DoorCheckInPanel token={token} eventId={eventId} registration={activeRegistration} setError={setError} setInfo={setInfo} />
+            )}
+
             {mode === "tickets" && (
                 <DoorTicketsPanel token={token} eventId={eventId} />
             )}
@@ -1081,6 +987,148 @@ function DoorTicketsPanel({ token, eventId }: any) {
     );
 }
 
+function DoorCheckInPanel({ token, eventId, registration, setError, setInfo }: any) {
+    const [ticketsForEvent, setTicketsForEvent] = useState<any[]>([]);
+    const [loading, setLoading] = useState(false);
+    const [qtyByTicket, setQtyByTicket] = useState<Record<string, number>>({});
+    const [submittingId, setSubmittingId] = useState<string | null>(null);
+
+    const load = async () => {
+        if (!token || !eventId) return;
+        try {
+            setLoading(true);
+            const res = await apiFetch<any>(`/api/tickets/event/${eventId}`, { authToken: token });
+            const tickets = res?.tickets || res?.data || (Array.isArray(res) ? res : []);
+            setTicketsForEvent(tickets.filter((t: any) => t.registrationOption?.eventOption?.isMainTicket));
+        } catch {
+            setTicketsForEvent([]);
+        } finally {
+            setLoading(false);
+        }
+    };
+
+    useEffect(() => { load(); }, [token, eventId]);
+
+    if (!registration) {
+        return (
+            <div className="border rounded-xl p-6 bg-white shadow-sm text-sm text-gray-500">
+                No registration selected
+            </div>
+        );
+    }
+
+    const myTickets = ticketsForEvent
+        .filter(t => t.registrationOption?.registration?.id === registration.id)
+        .map(t => {
+            const totalRedeemed = (t.usages || []).reduce((s: number, u: any) => s + (u.quantityRedeemed || 1), 0);
+            const remaining = (t.quantity || 1) - totalRedeemed;
+            return { ...t, totalRedeemed, remaining };
+        });
+
+    const qtyFor = (t: any) => qtyByTicket[t.id] ?? (t.remaining > 0 ? t.remaining : 1);
+    const setQtyFor = (t: any, n: number) =>
+        setQtyByTicket(q => ({ ...q, [t.id]: Math.max(1, Math.min(t.remaining || 1, n)) }));
+
+    const commit = async (ticket: any) => {
+        const qty = qtyFor(ticket);
+        try {
+            setSubmittingId(ticket.id);
+            const res = await apiFetch<any>(
+                `/api/tickets/scan/${encodeURIComponent(ticket.qrCode)}?eventId=${encodeURIComponent(eventId)}`,
+                { method: "POST", authToken: token, body: { qty } }
+            );
+            setInfo(`${res?.qtyRedeemed ?? qty} checked in for ${registration.user?.name || "guest"}${
+                res?.remaining > 0 ? ` — ${res.remaining} remaining` : " — fully checked in"
+            }. Confirmation sent.`);
+            await load();
+        } catch (e: any) {
+            setError(e?.message || "Check-in failed");
+        } finally {
+            setSubmittingId(null);
+        }
+    };
+
+    return (
+        <div className="border rounded-xl p-6 bg-white shadow-sm">
+
+            <div className="text-xl font-semibold mb-4">Check-In</div>
+
+            {/* ✅ User */}
+            <div className="mb-4">
+                <div className="text-lg font-semibold">
+                    {registration.user?.name || "Guest"}
+                </div>
+            </div>
+
+            {loading && (
+                <div className="text-sm text-gray-500">Loading…</div>
+            )}
+
+            {!loading && myTickets.length === 0 && (
+                <div className="text-sm text-gray-500">
+                    No Main Tickets on this registration
+                </div>
+            )}
+
+            <div className="space-y-4">
+                {myTickets.map(t => {
+                    const qty = qtyFor(t);
+                    return (
+                        <div key={t.id} className="border rounded-lg p-4">
+                            <div className="text-sm font-medium mb-3">{ticketLabel(t)}</div>
+
+                            <div className="grid grid-cols-3 gap-3 mb-4">
+                                <div className="border rounded-lg p-3 text-center">
+                                    <div className="text-xs text-gray-500">TOTAL</div>
+                                    <div className="text-lg font-semibold">{t.quantity || 1}</div>
+                                </div>
+
+                                <div className="border rounded-lg p-3 text-center">
+                                    <div className="text-xs text-gray-500">CHECKED IN</div>
+                                    <div className="text-lg font-semibold">{t.totalRedeemed}</div>
+                                </div>
+
+                                <div className="border rounded-lg p-3 text-center bg-emerald-50">
+                                    <div className="text-xs text-gray-500">REMAINING</div>
+                                    <div className="text-2xl font-bold text-emerald-600">{t.remaining}</div>
+                                </div>
+                            </div>
+
+                            {t.remaining > 0 ? (
+                                <div className="flex items-center gap-3">
+                                    <button
+                                        onClick={() => setQtyFor(t, qty - 1)}
+                                        className="w-9 h-9 border rounded flex items-center justify-center text-lg font-bold"
+                                    >
+                                        –
+                                    </button>
+                                    <div className="w-10 text-center text-lg font-semibold">{qty}</div>
+                                    <button
+                                        onClick={() => setQtyFor(t, qty + 1)}
+                                        className="w-9 h-9 border rounded flex items-center justify-center text-lg font-bold bg-emerald-50 border-emerald-300 text-emerald-700"
+                                    >
+                                        +
+                                    </button>
+
+                                    <button
+                                        onClick={() => commit(t)}
+                                        disabled={submittingId === t.id}
+                                        className="ml-auto px-4 py-2 text-sm rounded bg-indigo-600 text-white disabled:opacity-50"
+                                    >
+                                        {submittingId === t.id ? "Checking in…" : `Check In ${qty}`}
+                                    </button>
+                                </div>
+                            ) : (
+                                <div className="text-sm text-emerald-600 font-medium">Fully checked in ✓</div>
+                            )}
+                        </div>
+                    );
+                })}
+            </div>
+        </div>
+    );
+}
+
 function OptionsModal({ open, onClose, options, quantities, setQuantities, minQuantities = {}, onConfirm, confirming, isEdit, totalPaid = 0 }: any) {
     if (!open) return null;
 

frontend/src/components/reports/ReportsV2.tsx

@@ -473,11 +473,26 @@ export default function ReportsV2() {
     return map;
   }, [paymentsByEvent]);
 
+  // Yoco processing fee totals per registration, from the per-payment snapshot (see
+  // Payment.feeAmount in the backend) — never recomputed from current settings, so this
+  // always reflects what was actually estimated at payment time.
+  const feeByReg = useMemo(() => {
+    const map = new Map<string, number>();
+    Object.keys(paymentsByEvent).forEach(evId => {
+      (paymentsByEvent[evId] || []).forEach((p: any) => {
+        if (p.registrationId && p.feeAmount != null) {
+          map.set(p.registrationId, (map.get(p.registrationId) || 0) + (p.feeAmount || 0));
+        }
+      });
+    });
+    return map;
+  }, [paymentsByEvent]);
+
   const revDetRows = useMemo(() => {
     if (report !== "revenueDetailed") return [] as any[];
     const df = payFrom ? new Date(payFrom).getTime() : null;
     const dt = payTo ? new Date(payTo).getTime() : null;
-    type Row = { eventId: string; eventTitle: string; userName: string; userEmail?: string; totalPaid: number; status?: string; registrationId: string; outstanding: number };
+    type Row = { eventId: string; eventTitle: string; userName: string; userEmail?: string; totalPaid: number; status?: string; registrationId: string; outstanding: number; fee: number; netAfterFee: number };
     const rows: Row[] = [];
     // Iterate registrations to include those with zero payments and show each once
     Object.keys(registrationsByEvent).forEach(evId => {
@@ -489,6 +504,7 @@ export default function ReportsV2() {
         if (dt && created && created > dt) return;
         const totalPaid = paidByReg.get(r.id) || 0;
         const outstanding = outstandingByReg.get(r.id) || 0;
+        const fee = feeByReg.get(r.id) || 0;
         rows.push({
           eventId: evId,
           eventTitle: evTitle,
@@ -498,12 +514,14 @@ export default function ReportsV2() {
           status: r.status,
           registrationId: r.id,
           outstanding,
+          fee,
+          netAfterFee: totalPaid - fee,
         });
       });
     });
     rows.sort((a,b) => (a.eventTitle.localeCompare(b.eventTitle) || (a.userName || '').localeCompare(b.userName || '')));
     return rows;
-  }, [report, registrationsByEvent, filteredEvents, payFrom, payTo, paidByReg, outstandingByReg]);
+  }, [report, registrationsByEvent, filteredEvents, payFrom, payTo, paidByReg, outstandingByReg, feeByReg]);
 
   // Derived for attendees (layered) for a single event
   const attendeesLayer = useMemo(() => {
@@ -631,6 +649,7 @@ export default function ReportsV2() {
           totalPaid: paidByReg.get(r.id) || 0,
           outstanding: outstandingByReg.get(r.id) || 0,
           donations: donationsByUser.get(r.user?.id || r.userId) || 0,
+          fee: feeByReg.get(r.id) || 0,
           __prices: {} as Record<string, number> // 👈 hidden helper
         };
 
@@ -660,7 +679,7 @@ export default function ReportsV2() {
 
     return rows;
 
-  }, [report, registrationsByEvent, filteredEvents, masterOptions, paidByReg, outstandingByReg]);
+  }, [report, registrationsByEvent, filteredEvents, masterOptions, paidByReg, outstandingByReg, feeByReg]);
 
   //Master Report Totals
   const masterTotals = useMemo(() => {
@@ -671,6 +690,7 @@ export default function ReportsV2() {
       totalPaid: 0,
       outstanding: 0,
       donations: 0,
+      fee: 0,
     };
 
     // 👇 initialise dynamic option totals
@@ -683,6 +703,7 @@ export default function ReportsV2() {
       totals.orderTotal += row.orderTotal;
       totals.totalPaid += row.totalPaid;
       totals.outstanding += row.outstanding;
+      totals.fee += row.fee || 0;
 
       masterOptions.forEach(opt => {
         const qty = row[opt.name] || 0;
@@ -761,6 +782,8 @@ export default function ReportsV2() {
         Email: r.userEmail || "",
         Status: r.status || "",
         TotalPaid: r.totalPaid,
+        Fee: r.fee,
+        NetAfterFee: r.netAfterFee,
         Outstanding: r.outstanding,
         RegistrationId: r.registrationId
       })));
@@ -793,7 +816,7 @@ export default function ReportsV2() {
       return downloadCsv(`donations_${new Date().toISOString().slice(0,10)}`, rows);
     }
     if (report === "cashup") {
-      const cols = ["Event", "Section", "Detail", "Income", "CostsFromMethod", "ExpectedCash", "Actual", "Variance"];
+      const cols = ["Event", "Section", "Detail", "Income", "CostsFromMethod", "ExpectedBeforeFees", "YocoFee", "ExpectedAfterFees", "Actual", "Variance"];
       const rows: any[] = [];
       Object.keys(financialsByEvent).forEach(evId => {
         const f = financialsByEvent[evId];
@@ -802,15 +825,15 @@ export default function ReportsV2() {
         const title = ev?.title || evId;
         METHOD_KEYS.forEach(m => {
           const r = f.reconciled?.byMethod?.[m];
-          rows.push({ Event: title, Section: "Method", Detail: METHOD_LABEL[m], Income: f.paymentsByMethod?.[m] || 0, CostsFromMethod: f.costsByMethod?.[m] || 0, ExpectedCash: f.expectedCashByMethod?.[m] || 0, Actual: r?.actual ?? "", Variance: r?.variance ?? "" });
+          rows.push({ Event: title, Section: "Method", Detail: METHOD_LABEL[m], Income: f.paymentsByMethod?.[m] || 0, CostsFromMethod: f.costsByMethod?.[m] || 0, ExpectedBeforeFees: f.expectedCashByMethod?.[m] || 0, YocoFee: f.feesByMethod?.[m] || 0, ExpectedAfterFees: f.expectedInBankByMethod?.[m] || 0, Actual: r?.actual ?? "", Variance: r?.variance ?? "" });
           if (m === "cash") {
-            (r?.denominations || []).forEach((d: any) => rows.push({ Event: title, Section: "Denomination", Detail: denomLabel(d.value) + " × " + d.count, Income: "", CostsFromMethod: "", ExpectedCash: "", Actual: d.value * d.count, Variance: "" }));
+            (r?.denominations || []).forEach((d: any) => rows.push({ Event: title, Section: "Denomination", Detail: denomLabel(d.value) + " × " + d.count, Income: "", CostsFromMethod: "", ExpectedBeforeFees: "", YocoFee: "", ExpectedAfterFees: "", Actual: d.value * d.count, Variance: "" }));
           }
         });
         if ((f.untaggedCostsTotal || 0) > 0) {
-          rows.push({ Event: title, Section: "Untagged costs", Detail: "Not tied to a specific method", Income: "", CostsFromMethod: f.untaggedCostsTotal, ExpectedCash: "", Actual: "", Variance: "" });
+          rows.push({ Event: title, Section: "Untagged costs", Detail: "Not tied to a specific method", Income: "", CostsFromMethod: f.untaggedCostsTotal, ExpectedBeforeFees: "", YocoFee: "", ExpectedAfterFees: "", Actual: "", Variance: "" });
         }
-        rows.push({ Event: title, Section: "Donations counted as profit", Detail: "Unallocated donations", Income: "", CostsFromMethod: "", ExpectedCash: "", Actual: f.unallocatedDonationsTotal || 0, Variance: "" });
+        rows.push({ Event: title, Section: "Donations counted as profit", Detail: "Unallocated donations", Income: "", CostsFromMethod: "", ExpectedBeforeFees: "", YocoFee: "", ExpectedAfterFees: "", Actual: f.unallocatedDonationsTotal || 0, Variance: "" });
       });
       return downloadCsv(`cashup_${new Date().toISOString().slice(0,10)}`, rows, cols.map(c => ({ key: c, label: c })));
     }
@@ -833,7 +856,8 @@ export default function ReportsV2() {
         });
         (f.costs || []).forEach((c: any) => rows.push({ Event: title, Section: "Costs", Detail: `${c.label}${c.paidFromMethod ? ` (paid via ${METHOD_LABEL[c.paidFromMethod]})` : ""}`, Amount: -(c.total ?? c.amount) }));
         rows.push({ Event: title, Section: "Donations counted as profit", Detail: "Unallocated donations", Amount: f.unallocatedDonationsTotal || 0 });
-        rows.push({ Event: title, Section: "Net profit", Detail: "", Amount: f.netProfit || 0 });
+        rows.push({ Event: title, Section: "Fees", Detail: "Yoco processing fees", Amount: -(f.totalFees || 0) });
+        rows.push({ Event: title, Section: "Net profit", Detail: "After fees", Amount: f.netProfitAfterFees || 0 });
       });
       return downloadCsv(`finance_report_${new Date().toISOString().slice(0,10)}`, rows, cols.map(c => ({ key: c, label: c })));
     }
@@ -841,20 +865,20 @@ export default function ReportsV2() {
       const rows = Object.keys(financialsByEvent).map(evId => {
         const f = financialsByEvent[evId];
         const ev = filteredEvents.find(e => e.id === evId);
-        return { Event: ev?.title || evId, Revenue: f?.effectiveTotalRevenue || 0, Costs: f?.totalCosts || 0, NetProfit: f?.netProfit || 0 };
+        return { Event: ev?.title || evId, Revenue: f?.effectiveTotalRevenue || 0, Costs: f?.totalCosts || 0, Fees: f?.totalFees || 0, NetProfit: f?.netProfitAfterFees || 0 };
       });
       return downloadCsv(`profit_report_${new Date().toISOString().slice(0,10)}`, rows);
     }
     if (report === "cashupAudit") {
-      const cols = ["Event", "Action", "PerformedBy", "Date", "Method", "Expected", "Actual", "Variance", "DeltaVsPreviousClose", "DonationsCountedAsProfit", "Notes"];
+      const cols = ["Event", "Action", "PerformedBy", "Date", "Method", "ExpectedBeforeFees", "YocoFee", "ExpectedAfterFees", "Actual", "Variance", "DeltaVsPreviousClose", "DonationsCountedAsProfit", "Notes"];
       const rows: any[] = [];
       auditRows.forEach((r: any) => {
         const base = { Event: r.event?.title || r.eventId, Action: actionLabel(r.action), PerformedBy: r.performedBy?.name || "", Date: new Date(r.createdAt).toLocaleString() };
         if (r.action === "reopened") {
-          rows.push({ ...base, Method: "", Expected: "", Actual: "", Variance: "", DeltaVsPreviousClose: "", DonationsCountedAsProfit: "", Notes: r.notes || "" });
+          rows.push({ ...base, Method: "", ExpectedBeforeFees: "", YocoFee: "", ExpectedAfterFees: "", Actual: "", Variance: "", DeltaVsPreviousClose: "", DonationsCountedAsProfit: "", Notes: r.notes || "" });
         } else {
           (r.lines || []).forEach((l: any) => rows.push({
-            ...base, Method: METHOD_LABEL[l.method] || l.method, Expected: l.expectedAmount, Actual: l.actualAmount ?? "", Variance: l.variance ?? "",
+            ...base, Method: METHOD_LABEL[l.method] || l.method, ExpectedBeforeFees: (l.expectedAmount || 0) + (l.feeAmount || 0), YocoFee: l.feeAmount ?? 0, ExpectedAfterFees: l.expectedAmount, Actual: l.actualAmount ?? "", Variance: l.variance ?? "",
             DeltaVsPreviousClose: r._deltaVsPrevious?.[l.method] ?? "", DonationsCountedAsProfit: r.unallocatedDonationsTotal || 0, Notes: l.notes || r.notes || ""
           }));
         }
@@ -874,6 +898,7 @@ export default function ReportsV2() {
 
         OrderTotal: r.orderTotal,
         Paid: r.totalPaid,
+        Fee: r.fee,
         Outstanding: r.outstanding,
         Donations: r.donations
       }));
@@ -891,6 +916,7 @@ export default function ReportsV2() {
 
         OrderTotal: masterTotals?.orderTotal ?? 0,
         Paid: masterTotals?.totalPaid ?? 0,
+        Fee: masterTotals?.fee ?? 0,
         Outstanding: masterTotals?.outstanding ?? 0,
         Donations: masterTotals?.donations ?? 0,
       });
@@ -1006,6 +1032,8 @@ export default function ReportsV2() {
           r.userEmail || "",
           r.status || "",
           Number((r.totalPaid || 0).toFixed(2)),
+          Number((r.fee || 0).toFixed(2)),
+          Number((r.netAfterFee || 0).toFixed(2)),
           Number((r.outstanding || 0).toFixed(2)),
           r.registrationId || "",
         ]);
@@ -1013,7 +1041,7 @@ export default function ReportsV2() {
           title: 'Revenue Detailed',
           kind: 'table',
           orientation: 'landscape',
-          table: { columns: ["Event","Name","Email","Status","Total paid","Outstanding","RegistrationId"], rows }
+          table: { columns: ["Event","Name","Email","Status","Total paid","Fee","Net after fee","Outstanding","RegistrationId"], rows }
         });
         return;
       }
@@ -1042,15 +1070,15 @@ export default function ReportsV2() {
           const title = ev?.title || evId;
           METHOD_KEYS.forEach(m => {
             const r = f.reconciled?.byMethod?.[m];
-            rows.push([title, METHOD_LABEL[m], Number((f.paymentsByMethod?.[m] || 0).toFixed(2)), Number((f.costsByMethod?.[m] || 0).toFixed(2)), Number((f.expectedCashByMethod?.[m] || 0).toFixed(2)), r?.actual != null ? Number(r.actual.toFixed(2)) : "not reconciled", r?.variance != null ? Number(r.variance.toFixed(2)) : ""]);
+            rows.push([title, METHOD_LABEL[m], Number((f.paymentsByMethod?.[m] || 0).toFixed(2)), Number((f.costsByMethod?.[m] || 0).toFixed(2)), Number((f.expectedCashByMethod?.[m] || 0).toFixed(2)), Number((f.feesByMethod?.[m] || 0).toFixed(2)), Number((f.expectedInBankByMethod?.[m] || 0).toFixed(2)), r?.actual != null ? Number(r.actual.toFixed(2)) : "not reconciled", r?.variance != null ? Number(r.variance.toFixed(2)) : ""]);
             if (m === "cash") {
-              (r?.denominations || []).forEach((d: any) => rows.push([title, `  ${denomLabel(d.value)} × ${d.count}`, "", "", "", Number((d.value * d.count).toFixed(2)), ""]));
+              (r?.denominations || []).forEach((d: any) => rows.push([title, `  ${denomLabel(d.value)} × ${d.count}`, "", "", "", "", "", Number((d.value * d.count).toFixed(2)), ""]));
             }
           });
-          if ((f.untaggedCostsTotal || 0) > 0) rows.push([title, "Untagged costs", "", Number(f.untaggedCostsTotal.toFixed(2)), "", "", ""]);
+          if ((f.untaggedCostsTotal || 0) > 0) rows.push([title, "Untagged costs", "", Number(f.untaggedCostsTotal.toFixed(2)), "", "", "", "", ""]);
-          rows.push([title, "Donations counted as profit", "", "", "", Number((f.unallocatedDonationsTotal || 0).toFixed(2)), ""]);
+          rows.push([title, "Donations counted as profit", "", "", "", "", "", Number((f.unallocatedDonationsTotal || 0).toFixed(2)), ""]);
         });
-        await downloadReportPdf(API_BASE, token, { title: 'Cashup Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Method", "Income", "Costs from method", "Expected cash", "Actual", "Variance"], rows } });
+        await downloadReportPdf(API_BASE, token, { title: 'Cashup Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Method", "Income", "Costs from method", "Expected (before fees)", "Yoco fee", "Expected (after fees)", "Actual", "Variance"], rows } });
         return;
       }
       if (report === "financeReport") {
@@ -1073,7 +1101,8 @@ export default function ReportsV2() {
           rows.push([title, "Costs", "", ""]);
           (f.costs || []).forEach((c: any) => rows.push([title, "", `${c.label}${c.paidFromMethod ? ` (via ${METHOD_LABEL[c.paidFromMethod]})` : ""}`, Number((-(c.total ?? c.amount)).toFixed(2))]));
           rows.push([title, "", "Donations counted as profit", Number((f.unallocatedDonationsTotal || 0).toFixed(2))]);
-          rows.push([title, "", "Net profit", Number((f.netProfit || 0).toFixed(2))]);
+          rows.push([title, "Fees", "Yoco processing fees", Number((-(f.totalFees || 0)).toFixed(2))]);
+          rows.push([title, "", "Net profit (after fees)", Number((f.netProfitAfterFees || 0).toFixed(2))]);
         });
         await downloadReportPdf(API_BASE, token, { title: 'Finance Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Section", "Detail", "Amount"], rows } });
         return;
@@ -1082,9 +1111,9 @@ export default function ReportsV2() {
         const rows: (string | number)[][] = Object.keys(financialsByEvent).map(evId => {
           const f = financialsByEvent[evId];
           const ev = filteredEvents.find(e => e.id === evId);
-          return [ev?.title || evId, Number((f?.effectiveTotalRevenue || 0).toFixed(2)), Number((f?.totalCosts || 0).toFixed(2)), Number((f?.netProfit || 0).toFixed(2))];
+          return [ev?.title || evId, Number((f?.effectiveTotalRevenue || 0).toFixed(2)), Number((f?.totalCosts || 0).toFixed(2)), Number((f?.totalFees || 0).toFixed(2)), Number((f?.netProfitAfterFees || 0).toFixed(2))];
         });
-        await downloadReportPdf(API_BASE, token, { title: 'Profit Report', kind: 'table', orientation: 'portrait', table: { columns: ["Event", "Revenue", "Costs", "Net profit"], rows } });
+        await downloadReportPdf(API_BASE, token, { title: 'Profit Report', kind: 'table', orientation: 'portrait', table: { columns: ["Event", "Revenue", "Costs", "Fees", "Net profit (after fees)"], rows } });
         return;
       }
       if (report === "cashupAudit") {
@@ -1092,13 +1121,13 @@ export default function ReportsV2() {
         auditRows.forEach((r: any) => {
           const base = [r.event?.title || r.eventId, actionLabel(r.action), r.performedBy?.name || "", new Date(r.createdAt).toLocaleString()];
           if (r.action === "reopened") {
-            rows.push([...base, "", "", "", "", "", r.notes || ""]);
+            rows.push([...base, "", "", "", "", "", "", "", r.notes || ""]);
           } else {
-            (r.lines || []).forEach((l: any) => rows.push([...base, METHOD_LABEL[l.method] || l.method, Number((l.expectedAmount || 0).toFixed(2)), l.actualAmount != null ? Number(l.actualAmount.toFixed(2)) : "", l.variance != null ? Number(l.variance.toFixed(2)) : "", r._deltaVsPrevious?.[l.method] != null ? Number(r._deltaVsPrevious[l.method].toFixed(2)) : "", l.notes || ""]));
+            (r.lines || []).forEach((l: any) => rows.push([...base, METHOD_LABEL[l.method] || l.method, Number(((l.expectedAmount || 0) + (l.feeAmount || 0)).toFixed(2)), Number((l.feeAmount || 0).toFixed(2)), Number((l.expectedAmount || 0).toFixed(2)), l.actualAmount != null ? Number(l.actualAmount.toFixed(2)) : "", l.variance != null ? Number(l.variance.toFixed(2)) : "", r._deltaVsPrevious?.[l.method] != null ? Number(r._deltaVsPrevious[l.method].toFixed(2)) : "", l.notes || ""]));
-            if (!r.lines || r.lines.length === 0) rows.push([...base, "", "", "", "", "", `Donations counted as profit: ${money2(r.unallocatedDonationsTotal)}`]);
+            if (!r.lines || r.lines.length === 0) rows.push([...base, "", "", "", "", "", "", "", `Donations counted as profit: ${money2(r.unallocatedDonationsTotal)}`]);
           }
         });
-        await downloadReportPdf(API_BASE, token, { title: 'Cashup Audit Trail', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Action", "Performed by", "Date", "Method", "Expected", "Actual", "Variance", "Δ vs previous close", "Notes"], rows } });
+        await downloadReportPdf(API_BASE, token, { title: 'Cashup Audit Trail', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Action", "Performed by", "Date", "Method", "Expected (before fees)", "Yoco fee", "Expected (after fees)", "Actual", "Variance", "Δ vs previous close", "Notes"], rows } });
         return;
       }
       if (report === "masterOrders") {
@@ -1111,6 +1140,7 @@ export default function ReportsV2() {
 
           Number(r.orderTotal.toFixed(2)),
           Number(r.totalPaid.toFixed(2)),
+          Number((r.fee || 0).toFixed(2)),
           Number(r.outstanding.toFixed(2))
         ]);
 
@@ -1124,6 +1154,7 @@ export default function ReportsV2() {
 
           Number((masterTotals?.orderTotal ?? 0).toFixed(2)),
           Number((masterTotals?.totalPaid ?? 0).toFixed(2)),
+          Number((masterTotals?.fee ?? 0).toFixed(2)),
           Number((masterTotals?.outstanding ?? 0).toFixed(2))
         ]);
 
@@ -1137,6 +1168,7 @@ export default function ReportsV2() {
               `R ${(masterTotals?.[`${opt.name}_revenue`] ?? 0).toFixed(2)}`
           ),
 
+          "",
           "",
           "",
           ""
@@ -1156,6 +1188,7 @@ export default function ReportsV2() {
 
               "Order Total",
               "Paid",
+              "Fee",
               "Outstanding"
             ],
             rows: bodyRows
@@ -1217,8 +1250,8 @@ export default function ReportsV2() {
         });
         await emailReportPdf(API_BASE, token, { title: 'Revenue Summary', kind: 'table', orientation: 'portrait', table: { columns: ["Event","Method","Amount","Event Total"], rows }, subject, body });
       } else if (report === 'revenueDetailed') {
-        const rows: (string|number)[][] = (revDetRows as any[]).map(r => [ r.eventTitle, r.userName, r.userEmail || "", r.status || "", Number((r.totalPaid || 0).toFixed(2)), Number((r.outstanding || 0).toFixed(2)), r.registrationId || "" ]);
+        const rows: (string|number)[][] = (revDetRows as any[]).map(r => [ r.eventTitle, r.userName, r.userEmail || "", r.status || "", Number((r.totalPaid || 0).toFixed(2)), Number((r.fee || 0).toFixed(2)), Number((r.netAfterFee || 0).toFixed(2)), Number((r.outstanding || 0).toFixed(2)), r.registrationId || "" ]);
-        await emailReportPdf(API_BASE, token, { title: 'Revenue Detailed', kind: 'table', orientation: 'landscape', table: { columns: ["Event","Name","Email","Status","Total paid","Outstanding","RegistrationId"], rows }, subject, body });
+        await emailReportPdf(API_BASE, token, { title: 'Revenue Detailed', kind: 'table', orientation: 'landscape', table: { columns: ["Event","Name","Email","Status","Total paid","Fee","Net after fee","Outstanding","RegistrationId"], rows }, subject, body });
       } else if (report === 'regStatus') {
         const rows: (string|number)[][] = [];
         Object.keys(registrationsByEvent).forEach(evId => { const ev = filteredEvents.find(e => e.id === evId); const regs = registrationsByEvent[evId] || []; const counts: Record<string, number> = { pending: 0, partial_paid: 0, paid: 0, cancelled: 0 }; regs.forEach((r: any) => { if (!statusIncludeCancelled && r.status === 'cancelled') return; counts[r.status] = (counts[r.status] || 0) + 1; }); rows.push([ev?.title || evId, counts.pending||0, counts.partial_paid||0, counts.paid||0, counts.cancelled||0]); });
@@ -1230,13 +1263,13 @@ export default function ReportsV2() {
           const title = ev?.title || evId;
           METHOD_KEYS.forEach(m => {
             const r = f.reconciled?.byMethod?.[m];
-            rows.push([title, METHOD_LABEL[m], Number((f.paymentsByMethod?.[m] || 0).toFixed(2)), Number((f.costsByMethod?.[m] || 0).toFixed(2)), Number((f.expectedCashByMethod?.[m] || 0).toFixed(2)), r?.actual != null ? Number(r.actual.toFixed(2)) : "not reconciled", r?.variance != null ? Number(r.variance.toFixed(2)) : ""]);
+            rows.push([title, METHOD_LABEL[m], Number((f.paymentsByMethod?.[m] || 0).toFixed(2)), Number((f.costsByMethod?.[m] || 0).toFixed(2)), Number((f.expectedCashByMethod?.[m] || 0).toFixed(2)), Number((f.feesByMethod?.[m] || 0).toFixed(2)), Number((f.expectedInBankByMethod?.[m] || 0).toFixed(2)), r?.actual != null ? Number(r.actual.toFixed(2)) : "not reconciled", r?.variance != null ? Number(r.variance.toFixed(2)) : ""]);
-            if (m === "cash") (r?.denominations || []).forEach((d: any) => rows.push([title, `  ${denomLabel(d.value)} × ${d.count}`, "", "", "", Number((d.value * d.count).toFixed(2)), ""]));
+            if (m === "cash") (r?.denominations || []).forEach((d: any) => rows.push([title, `  ${denomLabel(d.value)} × ${d.count}`, "", "", "", "", "", Number((d.value * d.count).toFixed(2)), ""]));
           });
-          if ((f.untaggedCostsTotal || 0) > 0) rows.push([title, "Untagged costs", "", Number(f.untaggedCostsTotal.toFixed(2)), "", "", ""]);
+          if ((f.untaggedCostsTotal || 0) > 0) rows.push([title, "Untagged costs", "", Number(f.untaggedCostsTotal.toFixed(2)), "", "", "", "", ""]);
-          rows.push([title, "Donations counted as profit", "", "", "", Number((f.unallocatedDonationsTotal || 0).toFixed(2)), ""]);
+          rows.push([title, "Donations counted as profit", "", "", "", "", "", Number((f.unallocatedDonationsTotal || 0).toFixed(2)), ""]);
         });
-        await emailReportPdf(API_BASE, token, { title: 'Cashup Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Method", "Income", "Costs from method", "Expected cash", "Actual", "Variance"], rows }, subject, body });
+        await emailReportPdf(API_BASE, token, { title: 'Cashup Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Method", "Income", "Costs from method", "Expected (before fees)", "Yoco fee", "Expected (after fees)", "Actual", "Variance"], rows }, subject, body });
       } else if (report === 'financeReport') {
         const rows: (string | number)[][] = [];
         Object.keys(financialsByEvent).forEach(evId => {
@@ -1255,26 +1288,27 @@ export default function ReportsV2() {
           rows.push([title, "Costs", "", ""]);
           (f.costs || []).forEach((c: any) => rows.push([title, "", `${c.label}${c.paidFromMethod ? ` (via ${METHOD_LABEL[c.paidFromMethod]})` : ""}`, Number((-(c.total ?? c.amount)).toFixed(2))]));
           rows.push([title, "", "Donations counted as profit", Number((f.unallocatedDonationsTotal || 0).toFixed(2))]);
-          rows.push([title, "", "Net profit", Number((f.netProfit || 0).toFixed(2))]);
+          rows.push([title, "Fees", "Yoco processing fees", Number((-(f.totalFees || 0)).toFixed(2))]);
+          rows.push([title, "", "Net profit (after fees)", Number((f.netProfitAfterFees || 0).toFixed(2))]);
         });
         await emailReportPdf(API_BASE, token, { title: 'Finance Report', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Section", "Detail", "Amount"], rows }, subject, body });
       } else if (report === 'profitReport') {
         const rows: (string | number)[][] = Object.keys(financialsByEvent).map(evId => {
           const f = financialsByEvent[evId]; const ev = filteredEvents.find(e => e.id === evId);
-          return [ev?.title || evId, Number((f?.effectiveTotalRevenue || 0).toFixed(2)), Number((f?.totalCosts || 0).toFixed(2)), Number((f?.netProfit || 0).toFixed(2))];
+          return [ev?.title || evId, Number((f?.effectiveTotalRevenue || 0).toFixed(2)), Number((f?.totalCosts || 0).toFixed(2)), Number((f?.totalFees || 0).toFixed(2)), Number((f?.netProfitAfterFees || 0).toFixed(2))];
         });
-        await emailReportPdf(API_BASE, token, { title: 'Profit Report', kind: 'table', orientation: 'portrait', table: { columns: ["Event", "Revenue", "Costs", "Net profit"], rows }, subject, body });
+        await emailReportPdf(API_BASE, token, { title: 'Profit Report', kind: 'table', orientation: 'portrait', table: { columns: ["Event", "Revenue", "Costs", "Fees", "Net profit (after fees)"], rows }, subject, body });
       } else if (report === 'cashupAudit') {
         const rows: (string | number)[][] = [];
         auditRows.forEach((r: any) => {
           const base = [r.event?.title || r.eventId, actionLabel(r.action), r.performedBy?.name || "", new Date(r.createdAt).toLocaleString()];
           if (r.action === "reopened") {
-            rows.push([...base, "", "", "", "", "", r.notes || ""]);
+            rows.push([...base, "", "", "", "", "", "", "", r.notes || ""]);
           } else {
-            (r.lines || []).forEach((l: any) => rows.push([...base, METHOD_LABEL[l.method] || l.method, Number((l.expectedAmount || 0).toFixed(2)), l.actualAmount != null ? Number(l.actualAmount.toFixed(2)) : "", l.variance != null ? Number(l.variance.toFixed(2)) : "", r._deltaVsPrevious?.[l.method] != null ? Number(r._deltaVsPrevious[l.method].toFixed(2)) : "", l.notes || ""]));
+            (r.lines || []).forEach((l: any) => rows.push([...base, METHOD_LABEL[l.method] || l.method, Number(((l.expectedAmount || 0) + (l.feeAmount || 0)).toFixed(2)), Number((l.feeAmount || 0).toFixed(2)), Number((l.expectedAmount || 0).toFixed(2)), l.actualAmount != null ? Number(l.actualAmount.toFixed(2)) : "", l.variance != null ? Number(l.variance.toFixed(2)) : "", r._deltaVsPrevious?.[l.method] != null ? Number(r._deltaVsPrevious[l.method].toFixed(2)) : "", l.notes || ""]));
           }
         });
-        await emailReportPdf(API_BASE, token, { title: 'Cashup Audit Trail', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Action", "Performed by", "Date", "Method", "Expected", "Actual", "Variance", "Δ vs previous close", "Notes"], rows }, subject, body });
+        await emailReportPdf(API_BASE, token, { title: 'Cashup Audit Trail', kind: 'table', orientation: 'landscape', table: { columns: ["Event", "Action", "Performed by", "Date", "Method", "Expected (before fees)", "Yoco fee", "Expected (after fees)", "Actual", "Variance", "Δ vs previous close", "Notes"], rows }, subject, body });
       }
       alert('Email sent with PDF attachment');
     } catch (e: any) {
@@ -1710,6 +1744,8 @@ export default function ReportsV2() {
                                 <th className="text-left">Email</th>
                                 <th className="text-left">Status</th>
                                 <th className="text-left">Total paid</th>
+                                <th className="text-left">Fee</th>
+                                <th className="text-left">Net after fee</th>
                                 <th className="text-left">Outstanding</th>
                                 <th className="text-left">Registration</th>
                               </tr>
@@ -1721,6 +1757,8 @@ export default function ReportsV2() {
                                   <td>{r.userEmail || ''}</td>
                                   <td className="capitalize">{r.status || ''}</td>
                                   <td>R {Number(r.totalPaid || 0).toFixed(2)}</td>
+                                  <td>R {Number(r.fee || 0).toFixed(2)}</td>
+                                  <td>R {Number(r.netAfterFee || 0).toFixed(2)}</td>
                                   <td>R {Number(r.outstanding || 0).toFixed(2)}</td>
                                   <td className="font-mono text-xs">{r.registrationId || ''}</td>
                                 </tr>
@@ -1823,6 +1861,7 @@ export default function ReportsV2() {
                         <span className="font-medium">Totals:</span>
                         <span className="ml-3">Order: R {masterTotals?.orderTotal.toFixed(2)}</span>
                         <span className="ml-3">Paid: R {masterTotals?.totalPaid.toFixed(2)}</span>
+                        <span className="ml-3">Fee: R {(masterTotals?.fee ?? 0).toFixed(2)}</span>
                         <span className="ml-3">Outstanding: R {masterTotals?.outstanding.toFixed(2)}</span>
                       </div>
 
@@ -1840,6 +1879,7 @@ export default function ReportsV2() {
 
                             <th>Order Total</th>
                             <th>Paid</th>
+                            <th>Fee</th>
                             <th>Outstanding</th>
                             <th>Donations</th>
                           </tr>
@@ -1859,6 +1899,7 @@ export default function ReportsV2() {
 
                                 <td>R {r.orderTotal.toFixed(2)}</td>
                                 <td>R {r.totalPaid.toFixed(2)}</td>
+                                <td>R {(r.fee || 0).toFixed(2)}</td>
                                 <td>R {r.outstanding.toFixed(2)}</td>
                                 <td>R {r.donations.toFixed(2)}</td>
                               </tr>
@@ -1874,6 +1915,7 @@ export default function ReportsV2() {
 
                             <td>R {masterTotals?.orderTotal.toFixed(2)}</td>
                             <td>R {masterTotals?.totalPaid.toFixed(2)}</td>
+                            <td>R {(masterTotals?.fee ?? 0).toFixed(2)}</td>
                             <td>R {masterTotals?.outstanding.toFixed(2)}</td>
                             <td>R {masterTotals?.donations.toFixed(2)}</td>
                           </tr>
@@ -1886,7 +1928,7 @@ export default function ReportsV2() {
                                 </td>
                             ))}
 
-                            <td colSpan={4}></td>
+                            <td colSpan={5}></td>
                           </tr>
                           </tbody>
                         </table>
@@ -1912,7 +1954,7 @@ export default function ReportsV2() {
                       </div>
                       <div className="overflow-auto">
                         <table className="min-w-[640px] text-sm">
-                          <thead><tr><th className="text-left">Method</th><th className="text-left">Income</th><th className="text-left">Costs from method</th><th className="text-left">Expected cash</th><th className="text-left">Actual</th><th className="text-left">Variance</th></tr></thead>
+                          <thead><tr><th className="text-left">Method</th><th className="text-left">Income</th><th className="text-left">Costs from method</th><th className="text-left">Expected (before fees)</th><th className="text-left">Yoco fee</th><th className="text-left">Expected (after fees)</th><th className="text-left">Actual</th><th className="text-left">Variance</th></tr></thead>
                           <tbody>
                             {METHOD_KEYS.map(m => {
                               const r = f.reconciled?.byMethod?.[m];
@@ -1923,13 +1965,15 @@ export default function ReportsV2() {
                                     <td>R {(f.paymentsByMethod?.[m] || 0).toFixed(2)}</td>
                                     <td>R {(f.costsByMethod?.[m] || 0).toFixed(2)}</td>
                                     <td>R {(f.expectedCashByMethod?.[m] || 0).toFixed(2)}</td>
+                                    <td>R {(f.feesByMethod?.[m] || 0).toFixed(2)}</td>
+                                    <td>R {(f.expectedInBankByMethod?.[m] || 0).toFixed(2)}</td>
                                     <td>{r?.actual != null ? `R ${r.actual.toFixed(2)}` : <span className="text-gray-400">not reconciled</span>}</td>
                                     <td className={r?.variance != null && r.variance !== 0 ? (r.variance < 0 ? "text-red-600" : "text-emerald-600") : ""}>{r?.variance != null ? `R ${r.variance.toFixed(2)}` : "—"}</td>
                                   </tr>
                                   {m === "cash" && (r?.denominations || []).length > 0 && (r?.denominations || []).map((d: any) => (
                                     <tr key={d.id} className="text-xs text-gray-500">
                                       <td className="pl-4">{denomLabel(d.value)} × {d.count}</td>
-                                      <td colSpan={4}></td>
+                                      <td colSpan={6}></td>
                                       <td>R {(d.value * d.count).toFixed(2)}</td>
                                     </tr>
                                   ))}
@@ -2011,7 +2055,8 @@ export default function ReportsV2() {
                       </div>
 
                       <div className="text-sm flex items-center justify-between border-t pt-1"><span>Donations counted as profit</span><span>R {(f.unallocatedDonationsTotal || 0).toFixed(2)}</span></div>
-                      <div className="text-sm font-semibold flex items-center justify-between"><span>Net profit</span><span>R {(f.netProfit || 0).toFixed(2)}</span></div>
+                      <div className="text-sm flex items-center justify-between"><span>Yoco processing fees</span><span>-R {(f.totalFees || 0).toFixed(2)}</span></div>
+                      <div className="text-sm font-semibold flex items-center justify-between"><span>Net profit (after fees)</span><span>R {(f.netProfitAfterFees || 0).toFixed(2)}</span></div>
                     </div>
                   );
                 })
@@ -2024,7 +2069,7 @@ export default function ReportsV2() {
                 <div className="text-sm text-gray-500">No data available. Select events and view.</div>
               ) : (
                 <table className="min-w-[600px] text-sm">
-                  <thead><tr><th className="text-left">Event</th><th className="text-left">Revenue</th><th className="text-left">Costs</th><th className="text-left">Net profit</th></tr></thead>
+                  <thead><tr><th className="text-left">Event</th><th className="text-left">Revenue</th><th className="text-left">Costs</th><th className="text-left">Fees</th><th className="text-left">Net profit (after fees)</th></tr></thead>
                   <tbody>
                     {Object.keys(financialsByEvent).map(evId => {
                       const f = financialsByEvent[evId];
@@ -2034,7 +2079,8 @@ export default function ReportsV2() {
                           <td>{ev?.title || evId}</td>
                           <td>R {(f?.effectiveTotalRevenue || 0).toFixed(2)}</td>
                           <td>R {(f?.totalCosts || 0).toFixed(2)}</td>
-                          <td className="font-medium">R {(f?.netProfit || 0).toFixed(2)}</td>
+                          <td>R {(f?.totalFees || 0).toFixed(2)}</td>
+                          <td className="font-medium">R {(f?.netProfitAfterFees || 0).toFixed(2)}</td>
                         </tr>
                       );
                     })}
@@ -2063,11 +2109,13 @@ export default function ReportsV2() {
                     {(r.action === "closed" || r.action === "quick_closed") && (
                       <div className="overflow-auto mt-2">
                         <table className="min-w-[560px] text-sm">
-                          <thead><tr><th className="text-left">Method</th><th className="text-left">Expected</th><th className="text-left">Actual</th><th className="text-left">Variance</th><th className="text-left">Δ vs previous close</th></tr></thead>
+                          <thead><tr><th className="text-left">Method</th><th className="text-left">Expected (before fees)</th><th className="text-left">Yoco fee</th><th className="text-left">Expected (after fees)</th><th className="text-left">Actual</th><th className="text-left">Variance</th><th className="text-left">Δ vs previous close</th></tr></thead>
                           <tbody>
-                            {(r.lines && r.lines.length > 0 ? r.lines : METHOD_KEYS.map(m => ({ method: m, expectedAmount: null, actualAmount: null, variance: null }))).map((l: any) => (
+                            {(r.lines && r.lines.length > 0 ? r.lines : METHOD_KEYS.map(m => ({ method: m, expectedAmount: null, feeAmount: null, actualAmount: null, variance: null }))).map((l: any) => (
                               <tr key={l.method}>
                                 <td>{METHOD_LABEL[l.method] || l.method}</td>
+                                <td>{l.expectedAmount != null ? `R ${(l.expectedAmount + (l.feeAmount || 0)).toFixed(2)}` : "—"}</td>
+                                <td>{l.feeAmount != null ? `R ${l.feeAmount.toFixed(2)}` : "—"}</td>
                                 <td>{l.expectedAmount != null ? `R ${l.expectedAmount.toFixed(2)}` : "—"}</td>
                                 <td>{l.actualAmount != null ? `R ${l.actualAmount.toFixed(2)}` : <span className="text-gray-400">not reconciled</span>}</td>
                                 <td>{l.variance != null ? `R ${l.variance.toFixed(2)}` : "—"}</td>

frontend/src/types/index.ts

@@ -76,6 +76,7 @@ export type EventCashupLine = {
   cashupId: string;
   method: CashupMethod;
   expectedAmount: number;
+  feeAmount?: number | null;
   actualAmount?: number | null;
   variance?: number | null;
   notes?: string | null;
@@ -102,6 +103,7 @@ export type EventCashup = {
 
 export type ReconciledByMethod = {
   expected: number;
+  fee: number;
   actual: number | null;
   variance: number | null;
   notes?: string | null;
@@ -133,10 +135,14 @@ export type EventFinancials = {
   untaggedCostsTotal: number;
   totalCosts: number;
   expectedCashByMethod: Record<CashupMethod, number>;
+  expectedInBankByMethod: Record<CashupMethod, number>;
   reconciled: ReconciledSnapshot | null;
   effectiveGrossIncomeByMethod: Record<CashupMethod, number>;
   effectiveTotalRevenue: number;
   netProfit: number;
+  feesByMethod: Record<CashupMethod, number>;
+  totalFees: number;
+  netProfitAfterFees: number;
   unallocatedDonations: Payment[];
   unallocatedDonationsTotal: number;
   totalDonations: number;

package.json

@@ -1,6 +1,6 @@
 {
   "name": "hope-events",
-  "version": "1.2.0",
+  "version": "1.3.0",
   "main": "index.js",
   "scripts": {
     "dev:backend": "cd backend && npm run dev",