Payment-settings Fix Today

CREATE TABLE payment_settings ( user_id UUID PRIMARY KEY REFERENCES users(id), email_receipts BOOLEAN DEFAULT true, sms_notifications BOOLEAN DEFAULT false, updated_at TIMESTAMP );

Modern consumers expect variety. Beyond standard credit cards (Visa, Mastercard), your settings should allow you to toggle on digital wallets like Apple Pay, Google Pay, and "Buy Now, Pay Later" (BNPL) options like Klarna or Affirm . payment-settings