diff --git a/.env.example b/.env.example
index 1909953..2889016 100644
--- a/.env.example
+++ b/.env.example
@@ -3,3 +3,10 @@ VITE_GROQ_API_KEY=Your-API-Key
 
 # Weather Widget (OpenWeatherMap)
 VITE_OPENWEATHER_API_KEY=Your-API-Key
+
+# --- Payments Module (Stripe Hosted Checkout) ---
+# Frontend (safe to expose). Until set, the Payments page shows a "configure" notice.
+VITE_STRIPE_PUBLISHABLE_KEY=pk_test_REPLACE_WITH_YOUR_PUBLISHABLE_KEY
+# Backend only (Vercel env / .env for `vercel dev`) — NEVER expose these to the client.
+STRIPE_SECRET_KEY=sk_test_REPLACE_WITH_YOUR_SECRET_KEY
+STRIPE_WEBHOOK_SECRET=whsec_REPLACE_WITH_YOUR_WEBHOOK_SECRET
diff --git a/api/payments/create-checkout-session.js b/api/payments/create-checkout-session.js
new file mode 100644
index 0000000..d94b3e7
--- /dev/null
+++ b/api/payments/create-checkout-session.js
@@ -0,0 +1,85 @@
+/**
+ * Stripe — Create Checkout Session
+ * --------------------------------
+ * Creates a Stripe-hosted Checkout Session and returns its URL so the frontend
+ * can redirect the customer to Stripe's secure payment page. We never see or
+ * store card details — that is the whole point of using hosted Checkout.
+ *
+ * Flow:  Pay Now → POST here → Stripe Session → redirect to session.url →
+ *        Stripe hosted page → success_url / cancel_url back to the app.
+ *
+ * Env (set in Vercel project settings, and .env locally for `vercel dev`):
+ *   STRIPE_SECRET_KEY      sk_live_… / sk_test_…   (server only — never exposed)
+ *
+ * If STRIPE_SECRET_KEY is missing we return 503 with a clear message instead of
+ * crashing, so the module degrades gracefully until credentials are provided.
+ */
+
+// Server-side source of truth for invoice amounts. Prices are resolved HERE,
+// never trusted from the client, so a tampered request can't change the amount.
+// In production this would be a DB/CRM lookup; mirrors src/modules/payments/data/invoices.js.
+const INVOICES = {
+    'INV-2041': { title: 'Roof Repair — Leak Detection & Shingle Replacement', amount: 184500, currency: 'usd' },
+    'INV-2039': { title: 'Full Roof Inspection & Storm Damage Report',        amount: 32500,  currency: 'usd' },
+    'INV-2012': { title: 'Gutter Cleaning & Maintenance Plan (Q1)',            amount: 14900,  currency: 'usd' },
+};
+
+export default async function handler(req, res) {
+    if (req.method !== 'POST') {
+        return res.status(405).json({ error: 'Method not allowed' });
+    }
+
+    const secretKey = (process.env.STRIPE_SECRET_KEY || '').trim();
+    if (!secretKey) {
+        return res.status(503).json({
+            error: 'Stripe is not configured. Set STRIPE_SECRET_KEY to enable payments.',
+            code: 'stripe_not_configured',
+        });
+    }
+
+    try {
+        const { invoiceId, customerEmail } = req.body || {};
+        const invoice = INVOICES[invoiceId];
+        if (!invoice) {
+            return res.status(404).json({ error: `Unknown invoice: ${invoiceId}` });
+        }
+
+        // Lazy import keeps the module out of the cold-start path when unconfigured.
+        const Stripe = (await import('stripe')).default;
+        const stripe = new Stripe(secretKey, { apiVersion: '2024-06-20' });
+
+        // Where Stripe sends the customer back. Derive the app origin from the
+        // request so this works across local/preview/production without config.
+        const origin =
+            req.headers.origin ||
+            (req.headers.host ? `https://${req.headers.host}` : '');
+
+        const session = await stripe.checkout.sessions.create({
+            mode: 'payment',
+            payment_method_types: ['card'],
+            line_items: [
+                {
+                    quantity: 1,
+                    price_data: {
+                        currency: invoice.currency,
+                        unit_amount: invoice.amount, // integer, in cents
+                        product_data: {
+                            name: invoice.title,
+                            metadata: { invoiceId },
+                        },
+                    },
+                },
+            ],
+            ...(customerEmail ? { customer_email: customerEmail } : {}),
+            // Echoed back on the session + every webhook event for reconciliation.
+            metadata: { invoiceId },
+            success_url: `${origin}/payments/success?session_id={CHECKOUT_SESSION_ID}`,
+            cancel_url: `${origin}/payments/cancel?invoice=${encodeURIComponent(invoiceId)}`,
+        });
+
+        return res.status(200).json({ id: session.id, url: session.url });
+    } catch (err) {
+        console.error('[create-checkout-session] error:', err.message);
+        return res.status(500).json({ error: err.message || 'Failed to create checkout session' });
+    }
+}
diff --git a/api/payments/session-status.js b/api/payments/session-status.js
new file mode 100644
index 0000000..b8f7504
--- /dev/null
+++ b/api/payments/session-status.js
@@ -0,0 +1,55 @@
+/**
+ * Stripe — Retrieve Checkout Session status
+ * -----------------------------------------
+ * The success return page calls this with the `session_id` Stripe appended to
+ * the success_url. We retrieve the session server-side (using the secret key)
+ * and return a trimmed, safe status object the UI can render and record.
+ *
+ * Returning here does NOT replace the webhook — the webhook is the authoritative
+ * record of truth (it fires even if the customer closes the tab). This endpoint
+ * just gives the returning customer immediate, verified confirmation.
+ *
+ * Env:  STRIPE_SECRET_KEY
+ */
+
+export default async function handler(req, res) {
+    if (req.method !== 'GET') {
+        return res.status(405).json({ error: 'Method not allowed' });
+    }
+
+    const secretKey = (process.env.STRIPE_SECRET_KEY || '').trim();
+    if (!secretKey) {
+        return res.status(503).json({
+            error: 'Stripe is not configured.',
+            code: 'stripe_not_configured',
+        });
+    }
+
+    const sessionId = req.query?.session_id;
+    if (!sessionId) {
+        return res.status(400).json({ error: 'session_id is required' });
+    }
+
+    try {
+        const Stripe = (await import('stripe')).default;
+        const stripe = new Stripe(secretKey, { apiVersion: '2024-06-20' });
+
+        const session = await stripe.checkout.sessions.retrieve(sessionId);
+
+        return res.status(200).json({
+            id: session.id,
+            // status: open | complete | expired
+            status: session.status,
+            // payment_status: paid | unpaid | no_payment_required
+            paymentStatus: session.payment_status,
+            amountTotal: session.amount_total,
+            currency: session.currency,
+            customerEmail: session.customer_details?.email || null,
+            invoiceId: session.metadata?.invoiceId || null,
+            created: session.created ? session.created * 1000 : null,
+        });
+    } catch (err) {
+        console.error('[session-status] error:', err.message);
+        return res.status(500).json({ error: err.message || 'Failed to retrieve session' });
+    }
+}
diff --git a/api/payments/transactions.js b/api/payments/transactions.js
new file mode 100644
index 0000000..8e55368
--- /dev/null
+++ b/api/payments/transactions.js
@@ -0,0 +1,27 @@
+/**
+ * Stripe — Transaction history
+ * ----------------------------
+ * Returns the payment records written by the webhook (the server-side source of
+ * truth). Reads from Vercel KV when connected; returns an empty list otherwise
+ * so the frontend degrades gracefully and falls back to its local record.
+ *
+ * GET /api/payments/transactions  ->  { transactions: [...] }
+ */
+
+export default async function handler(req, res) {
+    if (req.method !== 'GET') {
+        return res.status(405).json({ error: 'Method not allowed' });
+    }
+
+    try {
+        const { kv } = await import('@vercel/kv');
+        const raw = await kv.lrange('payments:transactions', 0, 199);
+        const transactions = (raw || []).map((item) =>
+            typeof item === 'string' ? JSON.parse(item) : item
+        );
+        return res.status(200).json({ transactions });
+    } catch {
+        // KV not configured — the frontend will use its local record instead.
+        return res.status(200).json({ transactions: [] });
+    }
+}
diff --git a/api/payments/webhook.js b/api/payments/webhook.js
new file mode 100644
index 0000000..28eaf64
--- /dev/null
+++ b/api/payments/webhook.js
@@ -0,0 +1,125 @@
+/**
+ * Stripe — Webhook receiver
+ * -------------------------
+ * The authoritative record of truth for payments. Stripe POSTs events here;
+ * we verify the signature, then react to payment lifecycle events. This fires
+ * server-to-server even if the customer closes their browser, so the
+ * transaction record must be written here (not only on the success page).
+ *
+ * Configure in the Stripe Dashboard → Developers → Webhooks:
+ *   Endpoint URL:  https://<your-app>.vercel.app/api/payments/webhook
+ *   Events:        checkout.session.completed,
+ *                  checkout.session.async_payment_succeeded,
+ *                  checkout.session.async_payment_failed,
+ *                  checkout.session.expired
+ *
+ * Env:
+ *   STRIPE_SECRET_KEY        sk_…       (to construct the Stripe client)
+ *   STRIPE_WEBHOOK_SECRET    whsec_…    (to verify the signature)
+ *
+ * Local testing:  `stripe listen --forward-to localhost:5173/api/payments/webhook`
+ *
+ * Persistence uses Vercel KV when connected (same optional pattern as
+ * api/hail-webhook.js); without KV it logs the event and ack's 200.
+ */
+
+// Stripe requires the *raw* request body to verify the signature, so the
+// default JSON body parser must be disabled for this route.
+export const config = { api: { bodyParser: false } };
+
+async function readRawBody(req) {
+    const chunks = [];
+    for await (const chunk of req) {
+        chunks.push(typeof chunk === 'string' ? Buffer.from(chunk) : chunk);
+    }
+    return Buffer.concat(chunks);
+}
+
+/** Persist a payment record (best-effort; no-op without Vercel KV). */
+async function recordPayment(record) {
+    try {
+        const { kv } = await import('@vercel/kv');
+        // Keep a capped, newest-first list of transactions.
+        await kv.lpush('payments:transactions', JSON.stringify(record));
+        await kv.ltrim('payments:transactions', 0, 199);
+        if (record.invoiceId && record.status === 'paid') {
+            await kv.set(`payments:invoice:${record.invoiceId}`, 'paid');
+        }
+        console.log('[payments/webhook] recorded in KV:', record.id);
+    } catch {
+        console.log('[payments/webhook] KV unavailable — event received but not persisted:', record);
+    }
+}
+
+export default async function handler(req, res) {
+    if (req.method !== 'POST') {
+        return res.status(405).json({ error: 'Method not allowed' });
+    }
+
+    const secretKey = (process.env.STRIPE_SECRET_KEY || '').trim();
+    const webhookSecret = (process.env.STRIPE_WEBHOOK_SECRET || '').trim();
+    if (!secretKey || !webhookSecret) {
+        return res.status(503).json({ error: 'Stripe webhook is not configured.' });
+    }
+
+    let event;
+    try {
+        const Stripe = (await import('stripe')).default;
+        const stripe = new Stripe(secretKey, { apiVersion: '2024-06-20' });
+
+        const rawBody = await readRawBody(req);
+        const signature = req.headers['stripe-signature'];
+        event = stripe.webhooks.constructEvent(rawBody, signature, webhookSecret);
+    } catch (err) {
+        // Signature verification failed — reject (could be a forged request).
+        console.error('[payments/webhook] signature verification failed:', err.message);
+        return res.status(400).send(`Webhook Error: ${err.message}`);
+    }
+
+    try {
+        switch (event.type) {
+            case 'checkout.session.completed':
+            case 'checkout.session.async_payment_succeeded': {
+                const s = event.data.object;
+                await recordPayment({
+                    id: s.id,
+                    invoiceId: s.metadata?.invoiceId || null,
+                    amount: s.amount_total,
+                    currency: s.currency,
+                    customerEmail: s.customer_details?.email || null,
+                    status: s.payment_status === 'paid' ? 'paid' : s.payment_status,
+                    eventType: event.type,
+                    createdAt: new Date().toISOString(),
+                });
+                break;
+            }
+            case 'checkout.session.async_payment_failed': {
+                const s = event.data.object;
+                await recordPayment({
+                    id: s.id,
+                    invoiceId: s.metadata?.invoiceId || null,
+                    amount: s.amount_total,
+                    currency: s.currency,
+                    status: 'failed',
+                    eventType: event.type,
+                    createdAt: new Date().toISOString(),
+                });
+                break;
+            }
+            case 'checkout.session.expired': {
+                const s = event.data.object;
+                console.log('[payments/webhook] checkout session expired/cancelled:', s.id);
+                break;
+            }
+            default:
+                // Unhandled event types are acknowledged so Stripe stops retrying.
+                console.log('[payments/webhook] unhandled event:', event.type);
+        }
+    } catch (err) {
+        console.error('[payments/webhook] handler error:', err.message);
+        // Still 200 below if we got a valid event — returning 500 makes Stripe
+        // retry, which is only desirable for transient persistence failures.
+    }
+
+    return res.status(200).json({ received: true });
+}
diff --git a/eslint.config.js b/eslint.config.js
index 4fa125d..5d1987d 100644
--- a/eslint.config.js
+++ b/eslint.config.js
@@ -26,4 +26,11 @@ export default defineConfig([
       'no-unused-vars': ['error', { varsIgnorePattern: '^[A-Z_]' }],
     },
   },
+  {
+    // Serverless functions and build config run on Node, not the browser.
+    files: ['api/**/*.js', '**/*.config.js'],
+    languageOptions: {
+      globals: { ...globals.node },
+    },
+  },
 ])
diff --git a/package.json b/package.json
index 1fc5808..a014f1b 100644
--- a/package.json
+++ b/package.json
@@ -16,6 +16,7 @@
     "@dnd-kit/utilities": "^3.2.2",
     "@react-three/drei": "^10.7.7",
     "@react-three/fiber": "^9.5.0",
+    "@stripe/stripe-js": "^9.7.0",
     "@vercel/analytics": "^1.6.1",
     "autoprefixer": "^10.4.23",
     "class-variance-authority": "^0.7.1",
@@ -36,6 +37,7 @@
     "react-router-dom": "^7.13.0",
     "recharts": "^3.7.0",
     "sonner": "^2.0.7",
+    "stripe": "^22.2.0",
     "tailwind-merge": "^3.4.0",
     "tailwindcss": "^3.4.1",
     "three": "^0.182.0"
diff --git a/pnpm-lock.yaml b/pnpm-lock.yaml
index f40e551..f6a00ba 100644
--- a/pnpm-lock.yaml
+++ b/pnpm-lock.yaml
@@ -23,6 +23,9 @@ importers:
       '@react-three/fiber':
         specifier: ^9.5.0
         version: 9.5.0(@types/react@19.2.10)(immer@11.1.3)(react-dom@19.2.4(react@19.2.4))(react@19.2.4)(three@0.182.0)
+      '@stripe/stripe-js':
+        specifier: ^9.7.0
+        version: 9.7.0
       '@vercel/analytics':
         specifier: ^1.6.1
         version: 1.6.1(react@19.2.4)
@@ -83,6 +86,9 @@ importers:
       sonner:
         specifier: ^2.0.7
         version: 2.0.7(react-dom@19.2.4(react@19.2.4))(react@19.2.4)
+      stripe:
+        specifier: ^22.2.0
+        version: 22.2.0
       tailwind-merge:
         specifier: ^3.4.0
         version: 3.4.0
@@ -686,6 +692,10 @@ packages:
   '@standard-schema/utils@0.3.0':
     resolution: {integrity: sha512-e7Mew686owMaPJVNNLs55PUvgz371nKgwsc4vxE49zsODpJEnxgxRo2y/OKrqueavXgZNMDVj3DdHFlaSAeU8g==}
 
+  '@stripe/stripe-js@9.7.0':
+    resolution: {integrity: sha512-r1ElolvWXM4aYnZZVHvKW3EDL8JcwEuIgTuWxlB5lvC+YsvjkQ0gX35x9d8dTDubX395fViLVqkaolVs1PmIQQ==}
+    engines: {node: '>=12.16'}
+
   '@tweenjs/tween.js@23.1.3':
     resolution: {integrity: sha512-vJmvvwFxYuGnF2axRtPYocag6Clbb5YS7kLL+SO/TeVFzHqDIWrNKYtcsPMibjDx9O+bu+psAy9NKfWklassUA==}
 
@@ -803,6 +813,7 @@ packages:
 
   '@ungap/structured-clone@1.3.0':
     resolution: {integrity: sha512-WmoN8qaIAo7WTYWbAZuG8PYEhn5fkz7dZrqTBZ7dtt//lL2Gwms1IcnQ5yHqjDfX8Ft5j4YzDM23f87zBfDe9g==}
+    deprecated: Potential CWE-502 - Update to 1.3.1 or higher
 
   '@use-gesture/core@10.3.1':
     resolution: {integrity: sha512-WcINiDt8WjqBdUXye25anHiNxPc0VOrlT8F6LLkU6cycrOGUDyY/yyFmsg3k8i5OLvv25llc0QC45GhR/C8llw==}
@@ -2055,6 +2066,15 @@ packages:
     resolution: {integrity: sha512-6fPc+R4ihwqP6N/aIv2f1gMH8lOVtWQHoqC4yK6oSDVVocumAsfCqjkXnqiYMhmMwS/mEHLp7Vehlt3ql6lEig==}
     engines: {node: '>=8'}
 
+  stripe@22.2.0:
+    resolution: {integrity: sha512-WFGpMOom9QZqso1kcnSwJsCdC1QHDlMoCOxBZRf3JraMzhkfw7dgSdD2a1CFZrqC+mzAfqeEtYILrZhWKIDruA==}
+    engines: {node: '>=18'}
+    peerDependencies:
+      '@types/node': '>=18'
+    peerDependenciesMeta:
+      '@types/node':
+        optional: true
+
   style-to-js@1.1.21:
     resolution: {integrity: sha512-RjQetxJrrUJLQPHbLku6U/ocGtzyjbJMP9lCNK7Ag0CNh690nSH8woqWH9u16nMjYBAok+i7JO1NP2pOy8IsPQ==}
 
@@ -2801,6 +2821,8 @@ snapshots:
 
   '@standard-schema/utils@0.3.0': {}
 
+  '@stripe/stripe-js@9.7.0': {}
+
   '@tweenjs/tween.js@23.1.3': {}
 
   '@types/babel__core@7.20.5':
@@ -4286,6 +4308,8 @@ snapshots:
 
   strip-json-comments@3.1.1: {}
 
+  stripe@22.2.0: {}
+
   style-to-js@1.1.21:
     dependencies:
       style-to-object: 1.0.14
diff --git a/pnpm-workspace.yaml b/pnpm-workspace.yaml
new file mode 100644
index 0000000..84b3853
--- /dev/null
+++ b/pnpm-workspace.yaml
@@ -0,0 +1,3 @@
+allowBuilds:
+  core-js: set this to true or false
+  esbuild: set this to true or false
diff --git a/src/App.jsx b/src/App.jsx
index 4a48c8b..f13f236 100644
--- a/src/App.jsx
+++ b/src/App.jsx
@@ -9,6 +9,7 @@ import Maps from './pages/Maps';
 import AdminSchedule from './pages/AdminSchedule';
 import CustomerProfile from './pages/CustomerProfile';
 import LeaderboardPage from './pages/LeaderboardPage';
+import { PaymentProvider, PaymentsPage, PaymentSuccess, PaymentCancelled, DemoCheckout } from './modules/payments';
 import ErrorBoundary from './components/ErrorBoundary';
 import SmoothScroll from './components/SmoothScroll';
 import { Toaster } from 'sonner';
@@ -90,6 +91,15 @@ function App() {
               </ProtectedRoute>
             } />
 
+            {/* Payments Module (independent) — Stripe hosted checkout */}
+            <Route path="/portal/payments" element={
+              <ProtectedRoute allowedRoles={['CUSTOMER']}>
+                <PaymentProvider>
+                  <PaymentsPage />
+                </PaymentProvider>
+              </ProtectedRoute>
+            } />
+
             {/* Self-service profile for internal roles */}
             <Route path="/profile" element={
               <ProtectedRoute allowedRoles={['OWNER', 'ADMIN', 'FIELD_AGENT', 'CONTRACTOR', 'SUBCONTRACTOR']}>
@@ -432,6 +442,22 @@ function App() {
             } />
           </Route>
 
+          {/* Stripe hosted-checkout return pages (public, full-screen).
+              Public on purpose: the round-trip to Stripe drops the in-memory
+              auth session, so these must render without it. */}
+          <Route path="/payments/success" element={
+            <PaymentProvider>
+              <PaymentSuccess />
+            </PaymentProvider>
+          } />
+          <Route path="/payments/cancel" element={
+            <PaymentProvider>
+              <PaymentCancelled />
+            </PaymentProvider>
+          } />
+          {/* Simulated hosted checkout — only used in demo mode (no Stripe keys). */}
+          <Route path="/payments/demo-checkout" element={<DemoCheckout />} />
+
           {/* Catch all */}
           <Route path="*" element={<NotFound />} />
         </Routes>
diff --git a/src/components/Layout.jsx b/src/components/Layout.jsx
index 6b74130..bd90f48 100644
--- a/src/components/Layout.jsx
+++ b/src/components/Layout.jsx
@@ -6,7 +6,7 @@ import {
     LayoutDashboard, Map, Calendar, LogOut, User, Home, MessageSquare,
     ChevronLeft, ChevronRight, Sun, Moon, Trophy, Users, Briefcase,
     FileText, Menu, X, Calculator, PlusCircle, ClipboardList, Zap, LayoutGrid, Settings, CloudLightning,
-    HardHat, ShieldCheck
+    HardHat, ShieldCheck, CreditCard
 } from 'lucide-react';
 
 import PageTransition from './PageTransition';
@@ -210,6 +210,7 @@ const Layout = () => {
             default: // Customer or Fallback
                 return [
                     { to: "/customer/profile", icon: LayoutDashboard, label: "Dashboard" },
+                    { to: "/portal/payments", icon: CreditCard, label: "Payments" },
                     ...commonItems,
                 ];
         }
diff --git a/src/modules/payments/README.md b/src/modules/payments/README.md
new file mode 100644
index 0000000..be82cca
--- /dev/null
+++ b/src/modules/payments/README.md
@@ -0,0 +1,88 @@
+# Payments Module — Stripe Hosted Checkout
+
+A **completely independent** payments module using Stripe's official **hosted
+Checkout** flow. No custom card forms, no card data ever touches this app —
+the customer enters payment details only on Stripe's secure page.
+
+> This is **real Stripe integration architecture**, not a simulation. It ships
+> with credential **placeholders**; the moment real keys are added it goes live.
+> Until then, the UI shows a clear "configure Stripe" notice.
+
+## Flow
+```
+Customer → Pay Now
+  → POST /api/payments/create-checkout-session   (amount resolved server-side)
+  → redirect to Stripe-hosted checkout page       (session.url)
+  → customer pays on stripe.com
+  → Stripe redirects back:
+        success_url → /payments/success?session_id=…   (verifies + records)
+        cancel_url  → /payments/cancel
+  → Stripe also POSTs /api/payments/webhook         (authoritative record)
+```
+
+Statuses handled: **success**, **processing/pending** (async methods),
+**failed**, and **cancelled**.
+
+## Structure
+```
+api/payments/                       # Vercel serverless functions (backend)
+├── create-checkout-session.js      # creates the Checkout Session, returns session.url
+├── session-status.js               # verifies a session for the return page
+├── webhook.js                       # signature-verified Stripe event receiver
+└── transactions.js                 # serves webhook-written history (Vercel KV)
+
+src/modules/payments/               # frontend (self-contained)
+├── config/stripeConfig.js          # publishable key + isConfigured flag
+├── services/checkoutService.js     # startCheckout() + getSessionStatus()
+├── context/PaymentProvider.jsx     # history (server KV ∪ local), invoices
+├── data/invoices.js                # sample invoices (display only)
+├── components/                     # InvoiceList, TransactionHistory, ConfigNotice
+├── pages/                          # PaymentsPage, PaymentSuccess, PaymentCancelled
+└── index.js
+```
+
+## Routes (registered in `src/App.jsx`)
+| Path | Access | Purpose |
+|---|---|---|
+| `/portal/payments` | CUSTOMER | Invoice list + history |
+| `/payments/success` | public | Stripe success return (verifies session) |
+| `/payments/cancel` | public | Stripe cancel return |
+
+The return pages are **public** on purpose: the full-page round-trip to Stripe
+loses the app's in-memory auth session, so the return pages must render without
+it. (With persisted/JWT auth in production this is seamless.)
+
+## Configuration
+Add to your environment (see repo `.env.example`):
+```
+VITE_STRIPE_PUBLISHABLE_KEY=pk_test_…   # frontend (safe to expose)
+STRIPE_SECRET_KEY=sk_test_…             # backend only — never expose
+STRIPE_WEBHOOK_SECRET=whsec_…           # backend only — webhook signature
+```
+In Vercel: add `STRIPE_SECRET_KEY` + `STRIPE_WEBHOOK_SECRET` as Project env vars,
+and `VITE_STRIPE_PUBLISHABLE_KEY` as a build-time var.
+
+### Stripe Dashboard → Webhooks
+- Endpoint: `https://<your-app>/api/payments/webhook`
+- Events: `checkout.session.completed`, `checkout.session.async_payment_succeeded`,
+  `checkout.session.async_payment_failed`, `checkout.session.expired`
+
+### Persistence
+The webhook writes records to **Vercel KV** when connected (same optional pattern
+as `api/hail-webhook.js`); without KV it logs and the frontend falls back to its
+local record of the customer's own completed payments.
+
+## Local testing
+```
+npm i                                              # installs stripe + @stripe/stripe-js
+# put test keys in .env, then:
+vercel dev                                         # runs the /api functions for real
+# webhook:
+stripe listen --forward-to localhost:3000/api/payments/webhook
+```
+`npm run dev` also bridges `create-checkout-session` and `session-status` via the
+existing Vite dev-API plugin (needs test keys in `.env`).
+
+## Dependencies added
+- `@stripe/stripe-js` (frontend redirect fallback)
+- `stripe` (backend Node SDK)
diff --git a/src/modules/payments/components/InvoiceList.jsx b/src/modules/payments/components/InvoiceList.jsx
new file mode 100644
index 0000000..e818c8b
--- /dev/null
+++ b/src/modules/payments/components/InvoiceList.jsx
@@ -0,0 +1,138 @@
+import React, { useState } from 'react';
+import { useNavigate } from 'react-router-dom';
+import { FileText, Clock, Lock, Loader2, CheckCircle2 } from 'lucide-react';
+import { toast } from 'sonner';
+import { SpotlightCard } from '../../../components/SpotlightCard';
+import { formatAmount } from '../data/invoices';
+import { stripeConfig } from '../config/stripeConfig';
+import { startCheckout } from '../services/checkoutService';
+
+/**
+ * Lists outstanding invoices with a "Pay Now" button that redirects the
+ * customer to Stripe's hosted Checkout page. No card details are collected here.
+ */
+const InvoiceList = ({ invoices, paidIds = [], customerEmail }) => {
+    const navigate = useNavigate();
+    const [redirectingId, setRedirectingId] = useState(null);
+
+    const isPaid = (inv) => inv.status === 'paid' || paidIds.includes(inv.id);
+    const due = invoices.filter((i) => !isPaid(i));
+    const paid = invoices.filter(isPaid);
+
+    const handlePay = async (invoice) => {
+        if (redirectingId) return;
+        setRedirectingId(invoice.id);
+
+        // No Stripe keys → use the simulated hosted-checkout page so the demo
+        // works without credentials. With keys, redirect to real Stripe.
+        if (!stripeConfig.isConfigured) {
+            navigate(`/payments/demo-checkout?invoice=${encodeURIComponent(invoice.id)}`);
+            return;
+        }
+
+        try {
+            // On success this navigates away to Stripe; control won't return.
+            await startCheckout({ invoiceId: invoice.id, customerEmail });
+        } catch (err) {
+            toast.error('Unable to start checkout', { description: err.message });
+            setRedirectingId(null);
+        }
+    };
+
+    return (
+        <div className="space-y-8">
+            <section>
+                <h3 className="text-lg font-bold mb-4 flex items-center text-zinc-800 dark:text-zinc-200">
+                    <Clock className="mr-2 text-blue-500" size={20} /> Outstanding Invoices
+                </h3>
+
+                {due.length > 0 ? (
+                    <div className="grid gap-4">
+                        {due.map((inv) => {
+                            const busy = redirectingId === inv.id;
+                            return (
+                                <SpotlightCard key={inv.id} className="p-5 md:p-6">
+                                    <div className="flex flex-col md:flex-row md:items-center justify-between gap-4">
+                                        <div className="flex items-start gap-4 min-w-0">
+                                            <div className="w-11 h-11 rounded-xl bg-blue-50 dark:bg-blue-900/20 flex items-center justify-center text-blue-600 dark:text-blue-400 border border-blue-100 dark:border-blue-500/20 shrink-0">
+                                                <FileText size={20} />
+                                            </div>
+                                            <div className="min-w-0">
+                                                <div className="flex items-center gap-2">
+                                                    <h4 className="font-bold truncate">{inv.title}</h4>
+                                                    <span className="text-[10px] font-mono text-zinc-400 shrink-0">
+                                                        {inv.id}
+                                                    </span>
+                                                </div>
+                                                <p className="text-sm text-zinc-500 dark:text-zinc-400 mt-1 line-clamp-2">
+                                                    {inv.description}
+                                                </p>
+                                                <p className="text-xs text-zinc-400 mt-1">
+                                                    Due {new Date(inv.dueDate).toLocaleDateString()} · {inv.property}
+                                                </p>
+                                            </div>
+                                        </div>
+
+                                        <div className="flex items-center justify-between md:flex-col md:items-end gap-3 md:gap-2 shrink-0">
+                                            <span className="text-xl font-black text-zinc-900 dark:text-white">
+                                                {formatAmount(inv.amount, inv.currency, stripeConfig.locale)}
+                                            </span>
+                                            <button
+                                                onClick={() => handlePay(inv)}
+                                                disabled={busy}
+                                                className="flex items-center gap-1.5 px-4 py-2 bg-blue-600 hover:bg-blue-700 text-white rounded-lg text-sm font-bold shadow-lg shadow-blue-500/20 transition-all disabled:opacity-60 disabled:cursor-not-allowed"
+                                            >
+                                                {busy ? (
+                                                    <><Loader2 className="animate-spin" size={15} /> Redirecting…</>
+                                                ) : (
+                                                    <><Lock size={14} /> Pay Now</>
+                                                )}
+                                            </button>
+                                        </div>
+                                    </div>
+                                </SpotlightCard>
+                            );
+                        })}
+                    </div>
+                ) : (
+                    <div className="p-8 text-center border border-dashed border-zinc-300 dark:border-zinc-700 rounded-xl text-zinc-500">
+                        You're all caught up — no outstanding invoices. 🎉
+                    </div>
+                )}
+            </section>
+
+            {paid.length > 0 && (
+                <section>
+                    <h3 className="text-lg font-bold mb-4 flex items-center text-zinc-800 dark:text-zinc-200">
+                        <CheckCircle2 className="mr-2 text-emerald-500" size={20} /> Paid
+                    </h3>
+                    <div className="grid gap-3">
+                        {paid.map((inv) => (
+                            <div
+                                key={inv.id}
+                                className="flex items-center justify-between p-4 rounded-xl bg-zinc-50 dark:bg-zinc-900/40 border border-zinc-200 dark:border-white/5 opacity-80"
+                            >
+                                <div className="flex items-center gap-3 min-w-0">
+                                    <CheckCircle2 size={18} className="text-emerald-500 shrink-0" />
+                                    <div className="min-w-0">
+                                        <p className="text-sm font-medium truncate">{inv.title}</p>
+                                        <p className="text-[11px] font-mono text-zinc-400">{inv.id}</p>
+                                    </div>
+                                </div>
+                                <span className="text-sm font-bold text-zinc-500 dark:text-zinc-400 shrink-0">
+                                    {formatAmount(inv.amount, inv.currency, stripeConfig.locale)}
+                                </span>
+                            </div>
+                        ))}
+                    </div>
+                </section>
+            )}
+
+            <p className="flex items-center justify-center gap-1.5 text-[11px] text-zinc-400 pt-2">
+                <Lock size={12} /> Payments are processed securely by Stripe. We never see or store your card details.
+            </p>
+        </div>
+    );
+};
+
+export default InvoiceList;
diff --git a/src/modules/payments/components/StripeConfigNotice.jsx b/src/modules/payments/components/StripeConfigNotice.jsx
new file mode 100644
index 0000000..826622d
--- /dev/null
+++ b/src/modules/payments/components/StripeConfigNotice.jsx
@@ -0,0 +1,33 @@
+import React from 'react';
+import { FlaskConical } from 'lucide-react';
+
+/**
+ * Shown when no real Stripe publishable key is configured. Payments run through
+ * the simulated checkout (no real charge); adding keys switches to live Stripe.
+ */
+const StripeConfigNotice = () => (
+    <div className="rounded-2xl border border-amber-300/60 dark:border-amber-500/30 bg-amber-50 dark:bg-amber-500/10 p-4 md:p-5">
+        <div className="flex items-start gap-3">
+            <div className="w-9 h-9 rounded-xl bg-amber-400/20 text-amber-600 dark:text-amber-300 flex items-center justify-center shrink-0">
+                <FlaskConical size={18} />
+            </div>
+            <div className="min-w-0">
+                <p className="text-sm font-bold text-amber-800 dark:text-amber-200">
+                    Demo mode — simulated Stripe Checkout
+                </p>
+                <p className="text-xs text-amber-700/80 dark:text-amber-200/70 mt-1 leading-relaxed">
+                    No Stripe keys are configured, so "Pay Now" runs a simulated checkout
+                    (no real charge). Add the keys below to switch to live Stripe-hosted
+                    Checkout — no code changes needed:
+                </p>
+                <ul className="mt-2 space-y-1 text-[11px] font-mono text-amber-800 dark:text-amber-200/90">
+                    <li>VITE_STRIPE_PUBLISHABLE_KEY <span className="opacity-60">(frontend)</span></li>
+                    <li>STRIPE_SECRET_KEY <span className="opacity-60">(backend)</span></li>
+                    <li>STRIPE_WEBHOOK_SECRET <span className="opacity-60">(backend / webhook)</span></li>
+                </ul>
+            </div>
+        </div>
+    </div>
+);
+
+export default StripeConfigNotice;
diff --git a/src/modules/payments/components/TransactionHistory.jsx b/src/modules/payments/components/TransactionHistory.jsx
new file mode 100644
index 0000000..5c12178
--- /dev/null
+++ b/src/modules/payments/components/TransactionHistory.jsx
@@ -0,0 +1,73 @@
+import React from 'react';
+import { Receipt, CreditCard, XCircle } from 'lucide-react';
+import { SpotlightCard } from '../../../components/SpotlightCard';
+import { stripeConfig } from '../config/stripeConfig';
+import { formatAmount } from '../data/invoices';
+
+const STATUS_STYLES = {
+    paid: {
+        label: 'Paid',
+        chip: 'bg-emerald-100 dark:bg-emerald-500/20 text-emerald-700 dark:text-emerald-300',
+        icon: CreditCard,
+        iconWrap: 'bg-emerald-50 dark:bg-emerald-500/10 text-emerald-600 dark:text-emerald-400 border-emerald-100 dark:border-emerald-500/20',
+    },
+    failed: {
+        label: 'Failed',
+        chip: 'bg-red-100 dark:bg-red-500/20 text-red-700 dark:text-red-300',
+        icon: XCircle,
+        iconWrap: 'bg-red-50 dark:bg-red-500/10 text-red-600 dark:text-red-400 border-red-100 dark:border-red-500/20',
+    },
+};
+
+/**
+ * Lists payment records (merged server + local history). Read-only.
+ */
+const TransactionHistory = ({ transactions }) => {
+    if (!transactions.length) {
+        return (
+            <div className="p-10 text-center border border-dashed border-zinc-300 dark:border-zinc-700 rounded-xl text-zinc-500">
+                <Receipt size={28} className="mx-auto mb-3 opacity-50" />
+                No transactions yet. Completed payments will appear here.
+            </div>
+        );
+    }
+
+    return (
+        <div className="grid gap-3">
+            {transactions.map((t) => {
+                const style = STATUS_STYLES[t.status] || STATUS_STYLES.paid;
+                const Icon = style.icon;
+                return (
+                    <SpotlightCard key={t.id} className="p-5">
+                        <div className="flex items-center justify-between gap-4">
+                            <div className="flex items-center gap-4 min-w-0">
+                                <div className={`w-11 h-11 rounded-xl flex items-center justify-center border shrink-0 ${style.iconWrap}`}>
+                                    <Icon size={18} />
+                                </div>
+                                <div className="min-w-0">
+                                    <h4 className="font-bold truncate">{t.invoiceId || 'Payment'}</h4>
+                                    <p className="text-xs text-zinc-500 dark:text-zinc-400 mt-0.5">
+                                        {t.customerEmail ? `${t.customerEmail} · ` : ''}
+                                        {t.createdAt ? new Date(t.createdAt).toLocaleString() : ''}
+                                    </p>
+                                    <p className="text-[10px] font-mono text-zinc-400 mt-0.5 truncate">{t.id}</p>
+                                </div>
+                            </div>
+
+                            <div className="text-right shrink-0">
+                                <span className="block font-black text-zinc-900 dark:text-white">
+                                    {formatAmount(t.amount, t.currency || stripeConfig.currency, stripeConfig.locale)}
+                                </span>
+                                <span className={`inline-block mt-1 px-2.5 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-wide ${style.chip}`}>
+                                    {style.label}
+                                </span>
+                            </div>
+                        </div>
+                    </SpotlightCard>
+                );
+            })}
+        </div>
+    );
+};
+
+export default TransactionHistory;
diff --git a/src/modules/payments/config/stripeConfig.js b/src/modules/payments/config/stripeConfig.js
new file mode 100644
index 0000000..093d69b
--- /dev/null
+++ b/src/modules/payments/config/stripeConfig.js
@@ -0,0 +1,39 @@
+/**
+ * Stripe configuration (frontend) for the Payments module.
+ *
+ * Only the PUBLISHABLE key lives on the frontend — it is safe to expose. The
+ * Secret Key and Webhook Secret are backend-only (see /api/payments/*).
+ *
+ * Set in `.env` (see .env.example):
+ *   VITE_STRIPE_PUBLISHABLE_KEY=pk_test_…   or   pk_live_…
+ *
+ * Until a real key is provided, `isConfigured` is false and the UI shows a
+ * clear "configure Stripe" notice rather than attempting a broken redirect.
+ */
+
+const PLACEHOLDER = 'pk_test_REPLACE_WITH_YOUR_PUBLISHABLE_KEY';
+
+const publishableKey = import.meta.env.VITE_STRIPE_PUBLISHABLE_KEY || PLACEHOLDER;
+
+export const stripeConfig = {
+    publishableKey,
+
+    // Base path for the payment API endpoints (Vercel serverless functions).
+    apiBase: '/api/payments',
+
+    // True only when a real publishable key is present.
+    isConfigured:
+        typeof publishableKey === 'string' &&
+        publishableKey.startsWith('pk_') &&
+        publishableKey !== PLACEHOLDER,
+
+    currency: 'usd',
+    locale: 'en-US',
+
+    merchant: {
+        name: 'LynkedUp Pro Roofing',
+        supportEmail: 'billing@lynkeduppro.com',
+    },
+};
+
+export default stripeConfig;
diff --git a/src/modules/payments/context/PaymentProvider.jsx b/src/modules/payments/context/PaymentProvider.jsx
new file mode 100644
index 0000000..c6b4fa2
--- /dev/null
+++ b/src/modules/payments/context/PaymentProvider.jsx
@@ -0,0 +1,89 @@
+/**
+ * PaymentProvider — module-local state, fully independent from the app's global
+ * mockStore so the Payments module can be added/removed in isolation.
+ *
+ * Transaction history is sourced from two places and merged by id:
+ *   1. The server (api/payments/transactions → Vercel KV, written by the
+ *      webhook) — the production source of truth.
+ *   2. A local record (localStorage) written when a customer returns to the
+ *      success page — gives instant feedback and works without KV in the demo.
+ */
+
+import React, { createContext, useContext, useState, useEffect, useCallback } from 'react';
+import { INVOICES } from '../data/invoices';
+import { stripeConfig } from '../config/stripeConfig';
+
+const STORAGE_KEY = 'lynkeduppro.payments.transactions';
+
+const loadLocal = () => {
+    try {
+        const raw = localStorage.getItem(STORAGE_KEY);
+        return raw ? JSON.parse(raw) : [];
+    } catch {
+        return [];
+    }
+};
+
+const persistLocal = (txns) => {
+    try {
+        localStorage.setItem(STORAGE_KEY, JSON.stringify(txns));
+    } catch {
+        /* localStorage unavailable (private mode) — keep in-memory only. */
+    }
+};
+
+const mergeById = (a, b) => {
+    const map = new Map();
+    [...a, ...b].forEach((t) => {
+        if (t && t.id) map.set(t.id, { ...map.get(t.id), ...t });
+    });
+    return Array.from(map.values()).sort(
+        (x, y) => new Date(y.createdAt || 0) - new Date(x.createdAt || 0)
+    );
+};
+
+const PaymentContext = createContext(null);
+
+export const PaymentProvider = ({ children }) => {
+    const [invoices] = useState(INVOICES);
+    const [transactions, setTransactions] = useState(loadLocal);
+
+    // Pull the server-side (webhook-written) history and merge it in.
+    useEffect(() => {
+        let cancelled = false;
+        (async () => {
+            try {
+                const res = await fetch(`${stripeConfig.apiBase}/transactions`);
+                if (!res.ok) return;
+                const { transactions: server = [] } = await res.json();
+                if (cancelled || !server.length) return;
+                setTransactions((prev) => mergeById(prev, server));
+            } catch {
+                /* offline / endpoint unavailable — local history is fine. */
+            }
+        })();
+        return () => {
+            cancelled = true;
+        };
+    }, []);
+
+    /** Record a transaction confirmed on the success return page. */
+    const recordTransaction = useCallback((txn) => {
+        if (!txn?.id) return;
+        setTransactions((prev) => {
+            const next = mergeById(prev, [txn]);
+            persistLocal(next);
+            return next;
+        });
+    }, []);
+
+    const value = { invoices, transactions, recordTransaction };
+
+    return <PaymentContext.Provider value={value}>{children}</PaymentContext.Provider>;
+};
+
+export const usePayments = () => {
+    const ctx = useContext(PaymentContext);
+    if (!ctx) throw new Error('usePayments must be used within a <PaymentProvider>.');
+    return ctx;
+};
diff --git a/src/modules/payments/data/invoices.js b/src/modules/payments/data/invoices.js
new file mode 100644
index 0000000..dcb42c9
--- /dev/null
+++ b/src/modules/payments/data/invoices.js
@@ -0,0 +1,45 @@
+/**
+ * Sample invoices for the customer to pay (display only). Amounts are stored in
+ * cents to match Stripe's API. The SERVER independently re-resolves the amount
+ * from its own copy (see api/payments/create-checkout-session.js) so the client
+ * can never alter what is charged — these values are for rendering the list.
+ *
+ * In production this list would come from the CRM/billing backend.
+ */
+
+export const INVOICES = [
+    {
+        id: 'INV-2041',
+        title: 'Roof Repair — Leak Detection & Shingle Replacement',
+        description: 'Emergency leak repair on north-facing slope, 12 shingles replaced.',
+        property: '2612 Dunwick Dr, Plano, TX 75023',
+        dueDate: '2026-06-15',
+        amount: 184500,
+        currency: 'usd',
+    },
+    {
+        id: 'INV-2039',
+        title: 'Full Roof Inspection & Storm Damage Report',
+        description: 'Comprehensive drone inspection with insurance-ready documentation.',
+        property: '2612 Dunwick Dr, Plano, TX 75023',
+        dueDate: '2026-05-25',
+        amount: 32500,
+        currency: 'usd',
+    },
+    {
+        id: 'INV-2012',
+        title: 'Gutter Cleaning & Maintenance Plan (Q1)',
+        description: 'Quarterly gutter clearing and downspout flush.',
+        property: '2612 Dunwick Dr, Plano, TX 75023',
+        dueDate: '2026-03-18',
+        amount: 14900,
+        currency: 'usd',
+    },
+];
+
+/** Format an integer cent amount into a localized currency string. */
+export const formatAmount = (cents, currency = 'usd', locale = 'en-US') =>
+    new Intl.NumberFormat(locale, {
+        style: 'currency',
+        currency: (currency || 'usd').toUpperCase(),
+    }).format((cents || 0) / 100);
diff --git a/src/modules/payments/index.js b/src/modules/payments/index.js
new file mode 100644
index 0000000..a5ca7ec
--- /dev/null
+++ b/src/modules/payments/index.js
@@ -0,0 +1,13 @@
+/**
+ * Payments Module — public surface.
+ *
+ * Self-contained Stripe Checkout integration. Import from here so the rest of
+ * the app never reaches into the module internals.
+ */
+
+export { default as PaymentsPage } from './pages/PaymentsPage';
+export { default as PaymentSuccess } from './pages/PaymentSuccess';
+export { default as PaymentCancelled } from './pages/PaymentCancelled';
+export { default as DemoCheckout } from './pages/DemoCheckout';
+export { PaymentProvider, usePayments } from './context/PaymentProvider';
+export { stripeConfig } from './config/stripeConfig';
diff --git a/src/modules/payments/pages/DemoCheckout.jsx b/src/modules/payments/pages/DemoCheckout.jsx
new file mode 100644
index 0000000..510009c
--- /dev/null
+++ b/src/modules/payments/pages/DemoCheckout.jsx
@@ -0,0 +1,138 @@
+import React, { useState } from 'react';
+import { useSearchParams, useNavigate } from 'react-router-dom';
+import { Lock, Loader2, ArrowLeft, FlaskConical, CheckCircle2 } from 'lucide-react';
+import { INVOICES, formatAmount } from '../data/invoices';
+import { stripeConfig } from '../config/stripeConfig';
+
+/**
+ * Demo-only stand-in for Stripe's hosted Checkout page. Used ONLY when no
+ * Stripe keys are configured, so the flow (Pay Now → checkout → success →
+ * history) works for a demo without credentials. It collects no real card data
+ * and makes no charge. When real keys are added, this page is never reached —
+ * `startCheckout` redirects to the genuine Stripe-hosted page instead.
+ *
+ * Mirrors Stripe Checkout's two-column hosted layout for visual familiarity.
+ */
+const DemoCheckout = () => {
+    const [params] = useSearchParams();
+    const navigate = useNavigate();
+    const invoiceId = params.get('invoice');
+    const invoice = INVOICES.find((i) => i.id === invoiceId);
+
+    const [paying, setPaying] = useState(false);
+
+    if (!invoice) {
+        return (
+            <Shell>
+                <p className="text-center text-zinc-500">Invoice not found.</p>
+                <BackButton onClick={() => navigate('/portal/payments')} />
+            </Shell>
+        );
+    }
+
+    const amountLabel = formatAmount(invoice.amount, invoice.currency, stripeConfig.locale);
+
+    const handlePay = () => {
+        if (paying) return;
+        setPaying(true);
+        // Simulate Stripe's processing latency, then return to the success page.
+        setTimeout(() => {
+            navigate(
+                `/payments/success?demo=1&invoice=${encodeURIComponent(invoice.id)}` +
+                    `&amount=${invoice.amount}&currency=${invoice.currency}`
+            );
+        }, 1600);
+    };
+
+    return (
+        <Shell>
+            {/* Demo banner */}
+            <div className="mb-6 flex items-center gap-2 rounded-xl border border-amber-300/60 dark:border-amber-500/30 bg-amber-50 dark:bg-amber-500/10 px-4 py-2.5 text-xs font-medium text-amber-800 dark:text-amber-200">
+                <FlaskConical size={15} />
+                Demo mode — simulated Stripe Checkout. No real card or charge. Add Stripe keys to go live.
+            </div>
+
+            <div className="grid md:grid-cols-2 gap-8">
+                {/* Left: order summary (Stripe-style) */}
+                <div className="md:pr-8 md:border-r border-zinc-200 dark:border-white/10">
+                    <p className="text-sm text-zinc-500 dark:text-zinc-400">{stripeConfig.merchant.name}</p>
+                    <p className="text-3xl font-black mt-1">{amountLabel}</p>
+
+                    <div className="mt-6 flex items-start justify-between gap-4 py-3 border-t border-zinc-100 dark:border-white/5">
+                        <div className="min-w-0">
+                            <p className="font-semibold truncate">{invoice.title}</p>
+                            <p className="text-xs text-zinc-400 mt-0.5">{invoice.id}</p>
+                        </div>
+                        <span className="font-semibold shrink-0">{amountLabel}</span>
+                    </div>
+                    <div className="flex items-center justify-between py-3 border-t border-zinc-100 dark:border-white/5 text-sm">
+                        <span className="text-zinc-500">Total due</span>
+                        <span className="font-bold">{amountLabel}</span>
+                    </div>
+                </div>
+
+                {/* Right: payment (read-only demo — no real card entry) */}
+                <div>
+                    <p className="text-sm font-bold uppercase tracking-widest text-zinc-400 mb-3">
+                        Pay with card
+                    </p>
+
+                    <div className="rounded-xl border border-zinc-200 dark:border-white/10 divide-y divide-zinc-100 dark:divide-white/5 bg-zinc-50 dark:bg-zinc-900/40 text-sm">
+                        <Row label="Card number" value="4242 4242 4242 4242" />
+                        <div className="grid grid-cols-2 divide-x divide-zinc-100 dark:divide-white/5">
+                            <Row label="Expiry" value="12 / 34" />
+                            <Row label="CVC" value="123" />
+                        </div>
+                    </div>
+                    <p className="flex items-center gap-1.5 text-[11px] text-emerald-600 dark:text-emerald-400 mt-2">
+                        <CheckCircle2 size={12} /> Test card pre-filled for the demo — just press Pay.
+                    </p>
+
+                    <button
+                        onClick={handlePay}
+                        disabled={paying}
+                        className="mt-5 w-full flex items-center justify-center gap-2 px-6 py-3 bg-blue-600 hover:bg-blue-700 text-white rounded-xl font-bold shadow-lg shadow-blue-500/20 transition-all disabled:opacity-60 disabled:cursor-not-allowed"
+                    >
+                        {paying ? (
+                            <><Loader2 className="animate-spin" size={18} /> Processing…</>
+                        ) : (
+                            <><Lock size={16} /> Pay {amountLabel}</>
+                        )}
+                    </button>
+
+                    <p className="flex items-center justify-center gap-1.5 text-[11px] text-zinc-400 mt-3">
+                        <Lock size={12} /> Powered by Stripe (simulated)
+                    </p>
+
+                    {!paying && <BackButton onClick={() => navigate('/payments/cancel?invoice=' + invoice.id)} />}
+                </div>
+            </div>
+        </Shell>
+    );
+};
+
+const Shell = ({ children }) => (
+    <div className="min-h-screen bg-zinc-100 dark:bg-[#09090b] text-zinc-900 dark:text-white flex items-center justify-center p-6">
+        <div className="w-full max-w-3xl bg-white dark:bg-zinc-950 rounded-3xl shadow-xl border border-zinc-200 dark:border-white/10 p-6 md:p-10">
+            {children}
+        </div>
+    </div>
+);
+
+const Row = ({ label, value }) => (
+    <div className="flex items-center justify-between px-4 py-3">
+        <span className="text-zinc-400 text-xs uppercase tracking-wide">{label}</span>
+        <span className="font-mono">{value}</span>
+    </div>
+);
+
+const BackButton = ({ onClick }) => (
+    <button
+        onClick={onClick}
+        className="mt-4 w-full flex items-center justify-center gap-1.5 text-sm font-medium text-zinc-500 hover:text-zinc-900 dark:hover:text-white transition-colors"
+    >
+        <ArrowLeft size={15} /> Cancel and go back
+    </button>
+);
+
+export default DemoCheckout;
diff --git a/src/modules/payments/pages/PaymentCancelled.jsx b/src/modules/payments/pages/PaymentCancelled.jsx
new file mode 100644
index 0000000..8dca9a2
--- /dev/null
+++ b/src/modules/payments/pages/PaymentCancelled.jsx
@@ -0,0 +1,39 @@
+import React from 'react';
+import { useSearchParams, useNavigate } from 'react-router-dom';
+import { Ban, ArrowLeft } from 'lucide-react';
+import { SpotlightCard } from '../../../components/SpotlightCard';
+
+/**
+ * Stripe redirects here (cancel_url) when the customer backs out of the hosted
+ * Checkout page without paying. Public route — no charge was made.
+ */
+const PaymentCancelled = () => {
+    const [params] = useSearchParams();
+    const navigate = useNavigate();
+    const invoice = params.get('invoice');
+
+    return (
+        <div className="min-h-screen bg-zinc-50 dark:bg-[#09090b] text-zinc-900 dark:text-white flex items-center justify-center p-6">
+            <div className="w-full max-w-lg">
+                <SpotlightCard className="p-8 text-center">
+                    <div className="w-16 h-16 mx-auto rounded-full bg-zinc-100 dark:bg-white/5 flex items-center justify-center mb-4">
+                        <Ban size={34} className="text-zinc-400" />
+                    </div>
+                    <h2 className="text-2xl font-black">Payment Cancelled</h2>
+                    <p className="text-zinc-500 dark:text-zinc-400 mt-1">
+                        No charge was made{invoice ? ` for ${invoice}` : ''}. You can complete the
+                        payment whenever you're ready.
+                    </p>
+                    <button
+                        onClick={() => navigate('/portal/payments')}
+                        className="mt-7 w-full flex items-center justify-center gap-1.5 px-5 py-2.5 bg-blue-600 hover:bg-blue-700 text-white rounded-xl font-bold shadow-lg shadow-blue-500/20 transition-all"
+                    >
+                        <ArrowLeft size={16} /> Back to Payments
+                    </button>
+                </SpotlightCard>
+            </div>
+        </div>
+    );
+};
+
+export default PaymentCancelled;
diff --git a/src/modules/payments/pages/PaymentSuccess.jsx b/src/modules/payments/pages/PaymentSuccess.jsx
new file mode 100644
index 0000000..25733bc
--- /dev/null
+++ b/src/modules/payments/pages/PaymentSuccess.jsx
@@ -0,0 +1,201 @@
+import React, { useEffect, useRef, useState } from 'react';
+import { useSearchParams, useNavigate } from 'react-router-dom';
+import { CheckCircle2, XCircle, Loader2, Clock, ArrowLeft, Receipt } from 'lucide-react';
+import { SpotlightCard } from '../../../components/SpotlightCard';
+import { stripeConfig } from '../config/stripeConfig';
+import { formatAmount } from '../data/invoices';
+import { getSessionStatus } from '../services/checkoutService';
+import { usePayments } from '../context/PaymentProvider';
+
+/**
+ * Stripe redirects here (success_url) after the customer leaves the hosted
+ * Checkout page. We verify the session server-side, then show + record the
+ * result. This route is PUBLIC so it renders even though the in-memory auth
+ * session was lost during the full-page round-trip to Stripe.
+ *
+ * Handled states: verifying → paid | pending (async) | failed | error.
+ */
+const PaymentSuccess = () => {
+    const [params] = useSearchParams();
+    const navigate = useNavigate();
+    const { recordTransaction } = usePayments();
+    const sessionId = params.get('session_id');
+    const isDemo = params.get('demo') === '1';
+
+    // Initialize from the URL so the effect never needs a synchronous setState
+    // (which would trigger cascading renders).
+    const [state, setState] = useState(() =>
+        isDemo ? 'paid' : sessionId ? 'verifying' : 'error'
+    ); // verifying | paid | pending | failed | error
+    const [details, setDetails] = useState(() =>
+        isDemo
+            ? {
+                  id: `cs_demo_${Date.now()}`,
+                  invoiceId: params.get('invoice'),
+                  amountTotal: Number(params.get('amount')) || 0,
+                  currency: params.get('currency') || stripeConfig.currency,
+                  customerEmail: null,
+              }
+            : null
+    );
+    const [errorMsg, setErrorMsg] = useState(() =>
+        sessionId || isDemo ? '' : 'Missing session reference.'
+    );
+    const recordedRef = useRef(false);
+
+    useEffect(() => {
+        // Demo mode: no server to verify against — record the simulated payment.
+        if (isDemo) {
+            if (!recordedRef.current && details) {
+                recordedRef.current = true;
+                recordTransaction({
+                    id: details.id,
+                    invoiceId: details.invoiceId,
+                    amount: details.amountTotal,
+                    currency: details.currency,
+                    customerEmail: null,
+                    status: 'paid',
+                    createdAt: new Date().toISOString(),
+                    demo: true,
+                });
+            }
+            return;
+        }
+
+        if (!sessionId) return;
+
+        let cancelled = false;
+        (async () => {
+            try {
+                const data = await getSessionStatus(sessionId);
+                if (cancelled) return;
+                setDetails(data);
+
+                const paid = data.paymentStatus === 'paid' || data.status === 'complete';
+                if (paid) {
+                    setState('paid');
+                    if (!recordedRef.current) {
+                        recordedRef.current = true;
+                        recordTransaction({
+                            id: data.id,
+                            invoiceId: data.invoiceId,
+                            amount: data.amountTotal,
+                            currency: data.currency,
+                            customerEmail: data.customerEmail,
+                            status: 'paid',
+                            createdAt: new Date().toISOString(),
+                        });
+                    }
+                } else if (data.status === 'open') {
+                    // Payment still processing (e.g. async method).
+                    setState('pending');
+                } else {
+                    setState('failed');
+                }
+            } catch (err) {
+                if (cancelled) return;
+                setState('error');
+                setErrorMsg(err.message);
+            }
+        })();
+
+        return () => {
+            cancelled = true;
+        };
+    }, [sessionId, isDemo, details, recordTransaction]);
+
+    return (
+        <div className="min-h-screen bg-zinc-50 dark:bg-[#09090b] text-zinc-900 dark:text-white flex items-center justify-center p-6">
+            <div className="w-full max-w-lg">
+                <SpotlightCard className="p-8 text-center">
+                    {state === 'verifying' && (
+                        <Body
+                            icon={<Loader2 size={36} className="animate-spin text-blue-500" />}
+                            title="Confirming your payment…"
+                            subtitle="Verifying with Stripe, one moment."
+                        />
+                    )}
+
+                    {state === 'pending' && (
+                        <Body
+                            icon={<Clock size={36} className="text-amber-500" />}
+                            title="Payment processing"
+                            subtitle="Your payment is being processed. We'll update your history once it settles."
+                        />
+                    )}
+
+                    {state === 'paid' && details && (
+                        <>
+                            <Body
+                                icon={<CheckCircle2 size={36} className="text-emerald-500" />}
+                                title="Payment Successful"
+                                subtitle={`${formatAmount(details.amountTotal, details.currency, stripeConfig.locale)} paid to ${stripeConfig.merchant.name}.`}
+                            />
+                            <Receipt2 details={details} />
+                        </>
+                    )}
+
+                    {state === 'failed' && (
+                        <Body
+                            icon={<XCircle size={36} className="text-red-500" />}
+                            title="Payment not completed"
+                            subtitle="This payment didn't go through. You can try again from your invoices."
+                        />
+                    )}
+
+                    {state === 'error' && (
+                        <Body
+                            icon={<XCircle size={36} className="text-red-500" />}
+                            title="Couldn't verify payment"
+                            subtitle={errorMsg || 'Please check your transaction history in a moment.'}
+                        />
+                    )}
+
+                    <button
+                        onClick={() => navigate('/portal/payments')}
+                        className="mt-7 w-full flex items-center justify-center gap-1.5 px-5 py-2.5 bg-blue-600 hover:bg-blue-700 text-white rounded-xl font-bold shadow-lg shadow-blue-500/20 transition-all"
+                    >
+                        <ArrowLeft size={16} /> Back to Payments
+                    </button>
+                </SpotlightCard>
+            </div>
+        </div>
+    );
+};
+
+const Body = ({ icon, title, subtitle }) => (
+    <>
+        <div className="w-16 h-16 mx-auto rounded-full bg-zinc-100 dark:bg-white/5 flex items-center justify-center mb-4">
+            {icon}
+        </div>
+        <h2 className="text-2xl font-black">{title}</h2>
+        <p className="text-zinc-500 dark:text-zinc-400 mt-1">{subtitle}</p>
+    </>
+);
+
+const Receipt2 = ({ details }) => {
+    const rows = [
+        { label: 'Invoice', value: details.invoiceId || '—' },
+        { label: 'Email', value: details.customerEmail || '—' },
+        { label: 'Session', value: details.id, mono: true },
+    ];
+    return (
+        <div className="mt-6 text-left rounded-2xl border border-zinc-200 dark:border-white/10 divide-y divide-zinc-100 dark:divide-white/5 overflow-hidden">
+            <div className="flex items-center gap-2 px-4 py-3 bg-zinc-50 dark:bg-zinc-900/40 text-xs font-bold uppercase tracking-widest text-zinc-400">
+                <Receipt size={14} /> Receipt
+            </div>
+            {rows.map((r) => (
+                <div key={r.label} className="flex items-start justify-between gap-4 px-4 py-3">
+                    <span className="text-xs font-bold uppercase tracking-wide text-zinc-400 shrink-0">
+                        {r.label}
+                    </span>
+                    <span className={`text-sm text-zinc-800 dark:text-zinc-200 text-right break-all ${r.mono ? 'font-mono text-xs' : 'font-medium'}`}>
+                        {r.value}
+                    </span>
+                </div>
+            ))}
+        </div>
+    );
+};
+
+export default PaymentSuccess;
diff --git a/src/modules/payments/pages/PaymentsPage.jsx b/src/modules/payments/pages/PaymentsPage.jsx
new file mode 100644
index 0000000..412d1d4
--- /dev/null
+++ b/src/modules/payments/pages/PaymentsPage.jsx
@@ -0,0 +1,81 @@
+import React, { useState } from 'react';
+import { CreditCard } from 'lucide-react';
+import { useAuth } from '../../../context/AuthContext';
+import { usePayments } from '../context/PaymentProvider';
+import { stripeConfig } from '../config/stripeConfig';
+import InvoiceList from '../components/InvoiceList';
+import TransactionHistory from '../components/TransactionHistory';
+import StripeConfigNotice from '../components/StripeConfigNotice';
+
+const TabButton = ({ id, label, activeTab, onSelect }) => (
+    <button
+        onClick={() => onSelect(id)}
+        className={`px-4 md:px-6 py-3 text-xs md:text-sm font-bold uppercase tracking-wider border-b-2 transition-all whitespace-nowrap ${
+            activeTab === id
+                ? 'border-blue-500 text-blue-600 dark:text-blue-400'
+                : 'border-transparent text-zinc-500 hover:text-zinc-700 dark:hover:text-zinc-300'
+        }`}
+    >
+        {label}
+    </button>
+);
+
+/**
+ * Payments module entry point (customer portal). Lists invoices to pay via
+ * Stripe-hosted Checkout and shows transaction history. Shares no state with
+ * the rest of the app beyond reading the logged-in user's email.
+ */
+const PaymentsPage = () => {
+    const { user } = useAuth();
+    const { invoices, transactions } = usePayments();
+    const [activeTab, setActiveTab] = useState('pay');
+
+    // Invoices marked paid by the (server) transaction history.
+    const paidIds = transactions
+        .filter((t) => t.status === 'paid' && t.invoiceId)
+        .map((t) => t.invoiceId);
+
+    return (
+        <div className="min-h-screen bg-zinc-50 dark:bg-[#09090b] text-zinc-900 dark:text-white p-8 pt-24 transition-colors duration-300">
+            <div className="max-w-4xl mx-auto space-y-8">
+                {/* Header */}
+                <div className="flex items-center space-x-4 mb-8">
+                    <div className="w-16 h-16 rounded-full bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white shadow-lg">
+                        <CreditCard size={28} />
+                    </div>
+                    <div>
+                        <h1 className="text-3xl font-black text-transparent bg-clip-text bg-gradient-to-r from-zinc-900 to-zinc-600 dark:from-white dark:to-white/60">
+                            Payments
+                        </h1>
+                        <p className="text-zinc-500 dark:text-zinc-400">
+                            Pay invoices securely via Stripe and review past transactions.
+                        </p>
+                    </div>
+                </div>
+
+                {!stripeConfig.isConfigured && <StripeConfigNotice />}
+
+                {/* Tabs */}
+                <div className="flex space-x-1 border-b border-zinc-200 dark:border-zinc-800 mb-6 overflow-x-auto scrollbar-hide">
+                    <TabButton id="pay" label="Make a Payment" activeTab={activeTab} onSelect={setActiveTab} />
+                    <TabButton id="history" label="Transaction History" activeTab={activeTab} onSelect={setActiveTab} />
+                </div>
+
+                {/* Content */}
+                <div className="animate-in fade-in slide-in-from-bottom-4 duration-500">
+                    {activeTab === 'pay' ? (
+                        <InvoiceList
+                            invoices={invoices}
+                            paidIds={paidIds}
+                            customerEmail={user?.email || user?.username}
+                        />
+                    ) : (
+                        <TransactionHistory transactions={transactions} />
+                    )}
+                </div>
+            </div>
+        </div>
+    );
+};
+
+export default PaymentsPage;
diff --git a/src/modules/payments/services/checkoutService.js b/src/modules/payments/services/checkoutService.js
new file mode 100644
index 0000000..a17a723
--- /dev/null
+++ b/src/modules/payments/services/checkoutService.js
@@ -0,0 +1,74 @@
+/**
+ * Checkout service — the only place the frontend talks to Stripe / the payment
+ * API. The UI calls these functions; it never handles card data.
+ *
+ * `startCheckout` follows Stripe's recommended hosted-checkout flow:
+ *   1. Ask our backend to create a Checkout Session (amount resolved server-side).
+ *   2. Redirect the browser to the Stripe-hosted `session.url`.
+ *   3. Stripe handles payment, then redirects back to success_url / cancel_url.
+ *
+ * A Stripe.js `redirectToCheckout({ sessionId })` fallback (which uses the
+ * publishable key) is kept for older API behavior, but `session.url` is the
+ * current default and avoids loading Stripe.js for the redirect.
+ */
+
+import { loadStripe } from '@stripe/stripe-js';
+import { stripeConfig } from '../config/stripeConfig';
+
+let stripePromise;
+const getStripe = () => {
+    if (!stripePromise) stripePromise = loadStripe(stripeConfig.publishableKey);
+    return stripePromise;
+};
+
+/**
+ * Create a session for an invoice and redirect to Stripe's hosted page.
+ * Throws (with a friendly message) if the backend isn't configured/reachable.
+ */
+export async function startCheckout({ invoiceId, customerEmail } = {}) {
+    if (!stripeConfig.isConfigured) {
+        const err = new Error(
+            'Stripe is not configured yet. Add your publishable key to enable payments.'
+        );
+        err.code = 'stripe_not_configured';
+        throw err;
+    }
+
+    const res = await fetch(`${stripeConfig.apiBase}/create-checkout-session`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ invoiceId, customerEmail }),
+    });
+
+    const data = await res.json().catch(() => ({}));
+    if (!res.ok) {
+        throw new Error(data.error || 'Could not start checkout. Please try again.');
+    }
+
+    // Preferred: redirect straight to the Stripe-hosted Checkout URL.
+    if (data.url) {
+        window.location.assign(data.url);
+        return;
+    }
+
+    // Fallback: Stripe.js redirect using the session id + publishable key.
+    const stripe = await getStripe();
+    if (!stripe) throw new Error('Unable to initialize Stripe.');
+    const { error } = await stripe.redirectToCheckout({ sessionId: data.id });
+    if (error) throw new Error(error.message);
+}
+
+/**
+ * Fetch the verified status of a completed Checkout Session (used by the
+ * success return page). Returns the trimmed status object from the backend.
+ */
+export async function getSessionStatus(sessionId) {
+    const res = await fetch(
+        `${stripeConfig.apiBase}/session-status?session_id=${encodeURIComponent(sessionId)}`
+    );
+    const data = await res.json().catch(() => ({}));
+    if (!res.ok) {
+        throw new Error(data.error || 'Could not verify payment status.');
+    }
+    return data;
+}
diff --git a/vite.config.js b/vite.config.js
index 3b60404..8f55add 100644
--- a/vite.config.js
+++ b/vite.config.js
@@ -22,6 +22,11 @@ const DEV_API_HANDLERS = {
   'hail-proxy': () => import('./api/hail-proxy.js'),
   'storm-events': () => import('./api/storm-events.js'),
   'storm-polygons': () => import('./api/storm-polygons.js'),
+  // Payments module (needs real Stripe test keys in .env to function locally).
+  // The webhook is intentionally excluded — it needs the raw body + Stripe CLI.
+  'payments/create-checkout-session': () => import('./api/payments/create-checkout-session.js'),
+  'payments/session-status': () => import('./api/payments/session-status.js'),
+  'payments/transactions': () => import('./api/payments/transactions.js'),
 }
 
 // Server-side env vars the handlers read (mirrors what you'd set in Vercel).
@@ -30,6 +35,8 @@ const SERVER_ENV_KEYS = [
   'HAIL_RECON_ACCESS_KEY',
   'HAIL_RECON_ACCESS_SECRET',
   'HAIL_RECON_WEBHOOK_SECRET',
+  'STRIPE_SECRET_KEY',
+  'STRIPE_WEBHOOK_SECRET',
 ]
 
 function devApi(env) {
@@ -62,6 +69,19 @@ function devApi(env) {
           res.end(JSON.stringify(obj))
           return res
         }
+        res.send = (body) => { res.end(typeof body === 'string' ? body : JSON.stringify(body)); return res }
+
+        // Parse a JSON body for POST/PUT/PATCH (Vercel does this automatically).
+        if (['POST', 'PUT', 'PATCH'].includes(req.method)) {
+          req.body = await new Promise((resolve) => {
+            let data = ''
+            req.on('data', (c) => { data += c })
+            req.on('end', () => {
+              try { resolve(data ? JSON.parse(data) : {}) } catch { resolve({}) }
+            })
+            req.on('error', () => resolve({}))
+          })
+        }
 
         try {
           const mod = await load()