Phase8: Auto bill credit card

src/app/[locale]/settings/billing/page.tsx

@@ -1,26 +1,6 @@
 import { redirect, notFound } from "next/navigation";
 import { getTranslations } from "next-intl/server";
 import { getSessionUser } from "@/lib/session";
-import { getOrgBilling } from "@/lib/db";
-import { BillingSettingsForm } from "@/components/settings/billing-form";
-
-/**
- * /settings/billing — customer-side billing details management.
- *
- * Owner-only by visibility: non-owner members get a 404 (same
- * response as if the page didn't exist). The link to this page
- * is also hidden from non-owners on /billing and elsewhere, but
- * the page itself enforces too — a non-owner who learns the URL
- * still gets 404, not 403, so the page's existence doesn't leak.
- *
- * First-time visitors see an empty form. Subsequent visits see
- * the current values, editable. Save creates or updates via the
- * shared upsert path; the row's existence drives whether the
- * monthly issuance cron will pick this org up.
- */
-import { redirect, notFound } from "next/navigation";
-import { getTranslations } from "next-intl/server";
-import { getSessionUser } from "@/lib/session";
 import { getOrgBilling, getOrgBillingConfig } from "@/lib/db";
 import { BillingSettingsForm } from "@/components/settings/billing-form";
 import { SavedCardSection } from "@/components/settings/saved-card-section";
@@ -40,9 +20,9 @@ import { SavedCardSection } from "@/components/settings/saved-card-section";
  * monthly issuance cron will pick this org up.
  *
  * Phase 9: also renders the saved-card section (Set up auto-pay /
- * Visa •••• 4242, expires 05/27 / Update card / Disable auto-pay /
- * Remove card) when billing info is on file, plus a footer note
- * explaining that bank transfer is available on request.
+ * Visa dot-dot-dot 4242, expires MM/YY / Update card / Disable
+ * auto-pay / Remove card) when billing info is on file, plus a
+ * footer note explaining that bank transfer is available on request.
  */
 export default async function BillingSettingsPage() {
   const user = await getSessionUser();

src/lib/db.ts

@@ -421,7 +421,7 @@ const MIGRATION_SQL = `
     created_at               TIMESTAMPTZ NOT NULL DEFAULT now(),
     updated_at               TIMESTAMPTZ NOT NULL DEFAULT now()
   );
-  -- Phase 9: saved-card columns. The PaymentMethod id (`pm_xxx`)
+  -- Phase 9: saved-card columns. The PaymentMethod id ('pm_xxx')
   -- is the handle for off-session charges; brand/last4/exp are
   -- display fields. No PAN, CVV, or anything PCI-scope — Stripe
   -- holds those. The columns are nullable because a fresh org has