Fees & payments rules

[!NOTE] Stub. The detailed business rules for IBA membership fees, what triggers a charge, refund handling, and dispute resolution aren’t yet consolidated here. The two sub-pages contain the existing reference material — sequence diagram and the update-fees-mapping API documentation — but a curated business-rule writeup is still owed. Add detail as it gets nailed down.

What this module should eventually cover

• Membership fees — what plans exist, who pays what, when.
• What triggers a charge — automatic renewals, level upgrades, one-off fees (assessments, equipment, etc.).
• Payment partners — Stripe is the live payment processor; what’s the failover and fallback model?
• Refunds and disputes — when refunds are issued, who can issue them, the dispute resolution path.
• Subscription state — how membership-payment status interacts with member-lifecycle (does an unpaid member get demoted? Banned? Just warned?).

Sub-pages in this module

• Update-fees-mapping reference — /api/account/fees/update-fees-mapping business rules.
• Payment processing flow — sequence diagram of a payment from initiation through Stripe webhook.