.env.example

@@ -6,6 +6,10 @@ JWT_SECRET=your-secret-key-change-this-in-production
 JWT_ALGORITHM=HS256
 ACCESS_TOKEN_EXPIRE_MINUTES=30
 
+# Settings Encryption (for database-stored sensitive settings)
+# Generate with: python -c "import secrets; print(secrets.token_urlsafe(64))"
+SETTINGS_ENCRYPTION_KEY=your-encryption-key-generate-with-command-above
+
 # SMTP Email Configuration (Port 465 - SSL/TLS)
 SMTP_HOST=p.konceptkit.com
 SMTP_PORT=465
@@ -28,7 +32,14 @@ SMTP_FROM_NAME=LOAF Membership
 # Frontend URL
 FRONTEND_URL=http://localhost:3000
 
-# Stripe Configuration (for future payment integration)
+# Backend URL (for webhook URLs and API references)
+# Used to construct Stripe webhook URL shown in Admin Settings
+BACKEND_URL=http://localhost:8000
+
+# Stripe Configuration (NOW DATABASE-DRIVEN via Admin Settings page)
+# Configure Stripe credentials through the Admin Settings UI (requires SETTINGS_ENCRYPTION_KEY)
+# No longer requires .env variables - managed through database for dynamic updates
+# Legacy .env variables below are deprecated:
 # STRIPE_SECRET_KEY=sk_test_...
 # STRIPE_WEBHOOK_SECRET=whsec_...
 

alembic/versions/4fa11836f7fd_add_role_audit_fields.py

@@ -0,0 +1,48 @@
+"""add_role_audit_fields
+
+Revision ID: 4fa11836f7fd
+Revises: 013_sync_permissions
+Create Date: 2026-01-16 17:21:40.514605
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy.dialects.postgresql import UUID
+
+
+# revision identifiers, used by Alembic.
+revision: str = '4fa11836f7fd'
+down_revision: Union[str, None] = '013_sync_permissions'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    # Add role audit trail columns
+    op.add_column('users', sa.Column('role_changed_at', sa.DateTime(timezone=True), nullable=True))
+    op.add_column('users', sa.Column('role_changed_by', UUID(as_uuid=True), nullable=True))
+
+    # Create foreign key constraint to track who changed the role
+    op.create_foreign_key(
+        'fk_users_role_changed_by',
+        'users', 'users',
+        ['role_changed_by'], ['id'],
+        ondelete='SET NULL'
+    )
+
+    # Create index for efficient querying by role change date
+    op.create_index('idx_users_role_changed_at', 'users', ['role_changed_at'])
+
+
+def downgrade() -> None:
+    # Drop index first
+    op.drop_index('idx_users_role_changed_at')
+
+    # Drop foreign key constraint
+    op.drop_constraint('fk_users_role_changed_by', 'users', type_='foreignkey')
+
+    # Drop columns
+    op.drop_column('users', 'role_changed_by')
+    op.drop_column('users', 'role_changed_at')

alembic/versions/ec4cb4a49cde_add_system_settings_table.py

@@ -0,0 +1,68 @@
+"""add_system_settings_table
+
+Revision ID: ec4cb4a49cde
+Revises: 4fa11836f7fd
+Create Date: 2026-01-16 18:16:00.283455
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy.dialects.postgresql import UUID
+
+
+# revision identifiers, used by Alembic.
+revision: str = 'ec4cb4a49cde'
+down_revision: Union[str, None] = '4fa11836f7fd'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    # Create enum for setting types (only if not exists)
+    op.execute("""
+        DO $$ BEGIN
+            CREATE TYPE settingtype AS ENUM ('plaintext', 'encrypted', 'json');
+        EXCEPTION
+            WHEN duplicate_object THEN null;
+        END $$;
+    """)
+
+    # Create system_settings table
+    op.execute("""
+        CREATE TABLE system_settings (
+            id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+            setting_key VARCHAR(100) UNIQUE NOT NULL,
+            setting_value TEXT,
+            setting_type settingtype NOT NULL DEFAULT 'plaintext'::settingtype,
+            description TEXT,
+            updated_by UUID REFERENCES users(id) ON DELETE SET NULL,
+            created_at TIMESTAMP WITH TIME ZONE NOT NULL DEFAULT CURRENT_TIMESTAMP,
+            updated_at TIMESTAMP WITH TIME ZONE NOT NULL DEFAULT CURRENT_TIMESTAMP,
+            is_sensitive BOOLEAN NOT NULL DEFAULT FALSE
+        );
+
+        COMMENT ON COLUMN system_settings.setting_key IS 'Unique setting identifier (e.g., stripe_secret_key)';
+        COMMENT ON COLUMN system_settings.setting_value IS 'Setting value (encrypted if setting_type is encrypted)';
+        COMMENT ON COLUMN system_settings.setting_type IS 'Type of setting: plaintext, encrypted, or json';
+        COMMENT ON COLUMN system_settings.description IS 'Human-readable description of the setting';
+        COMMENT ON COLUMN system_settings.updated_by IS 'User who last updated this setting';
+        COMMENT ON COLUMN system_settings.is_sensitive IS 'Whether this setting contains sensitive data';
+    """)
+
+    # Create indexes
+    op.create_index('idx_system_settings_key', 'system_settings', ['setting_key'])
+    op.create_index('idx_system_settings_updated_at', 'system_settings', ['updated_at'])
+
+
+def downgrade() -> None:
+    # Drop indexes
+    op.drop_index('idx_system_settings_updated_at')
+    op.drop_index('idx_system_settings_key')
+
+    # Drop table
+    op.drop_table('system_settings')
+
+    # Drop enum
+    op.execute('DROP TYPE IF EXISTS settingtype')

encryption_service.py

@@ -0,0 +1,122 @@
+"""
+Encryption service for sensitive settings stored in database.
+
+Uses Fernet symmetric encryption (AES-128 in CBC mode with HMAC authentication).
+The encryption key is derived from a master secret stored in .env.
+"""
+
+import os
+import base64
+from cryptography.fernet import Fernet
+from cryptography.hazmat.primitives import hashes
+from cryptography.hazmat.primitives.kdf.pbkdf2 import PBKDF2HMAC
+from cryptography.hazmat.backends import default_backend
+
+
+class EncryptionService:
+    """Service for encrypting and decrypting sensitive configuration values"""
+
+    def __init__(self):
+        # Get master encryption key from environment
+        # This should be a long, random string (e.g., 64 characters)
+        # Generate one with: python -c "import secrets; print(secrets.token_urlsafe(64))"
+        self.master_secret = os.environ.get('SETTINGS_ENCRYPTION_KEY')
+
+        if not self.master_secret:
+            raise ValueError(
+                "SETTINGS_ENCRYPTION_KEY environment variable not set. "
+                "Generate one with: python -c \"import secrets; print(secrets.token_urlsafe(64))\""
+            )
+
+        # Derive encryption key from master secret using PBKDF2HMAC
+        # This adds an extra layer of security
+        kdf = PBKDF2HMAC(
+            algorithm=hashes.SHA256(),
+            length=32,
+            salt=b'systemsettings',  # Fixed salt (OK for key derivation from strong secret)
+            iterations=100000,
+            backend=default_backend()
+        )
+        key = base64.urlsafe_b64encode(kdf.derive(self.master_secret.encode()))
+        self.cipher = Fernet(key)
+
+    def encrypt(self, plaintext: str) -> str:
+        """
+        Encrypt a plaintext string.
+
+        Args:
+            plaintext: The string to encrypt
+
+        Returns:
+            Base64-encoded encrypted string
+        """
+        if not plaintext:
+            return ""
+
+        encrypted_bytes = self.cipher.encrypt(plaintext.encode())
+        return encrypted_bytes.decode('utf-8')
+
+    def decrypt(self, encrypted: str) -> str:
+        """
+        Decrypt an encrypted string.
+
+        Args:
+            encrypted: The base64-encoded encrypted string
+
+        Returns:
+            Decrypted plaintext string
+
+        Raises:
+            cryptography.fernet.InvalidToken: If decryption fails (wrong key or corrupted data)
+        """
+        if not encrypted:
+            return ""
+
+        decrypted_bytes = self.cipher.decrypt(encrypted.encode())
+        return decrypted_bytes.decode('utf-8')
+
+    def is_encrypted(self, value: str) -> bool:
+        """
+        Check if a value appears to be encrypted (starts with Fernet token format).
+
+        This is a heuristic check - not 100% reliable but useful for validation.
+
+        Args:
+            value: String to check
+
+        Returns:
+            True if value looks like a Fernet token
+        """
+        if not value:
+            return False
+
+        # Fernet tokens are base64-encoded and start with version byte (gAAAAA...)
+        # They're always > 60 characters
+        try:
+            return len(value) > 60 and value.startswith('gAAAAA')
+        except:
+            return False
+
+
+# Global encryption service instance
+# Initialize on module import so it fails fast if encryption key is missing
+try:
+    encryption_service = EncryptionService()
+except ValueError as e:
+    print(f"WARNING: {e}")
+    print("Encryption service will not be available.")
+    encryption_service = None
+
+
+def get_encryption_service() -> EncryptionService:
+    """
+    Get the global encryption service instance.
+
+    Raises:
+        ValueError: If encryption service is not initialized (missing SETTINGS_ENCRYPTION_KEY)
+    """
+    if encryption_service is None:
+        raise ValueError(
+            "Encryption service not initialized. Set SETTINGS_ENCRYPTION_KEY environment variable."
+        )
+    return encryption_service

models.py

@@ -137,6 +137,10 @@ class User(Base):
     wordpress_user_id = Column(BigInteger, nullable=True, comment="Original WordPress user ID")
     wordpress_registered_date = Column(DateTime(timezone=True), nullable=True, comment="Original WordPress registration date")
 
+    # Role Change Audit Trail
+    role_changed_at = Column(DateTime(timezone=True), nullable=True, comment="Timestamp when role was last changed")
+    role_changed_by = Column(UUID(as_uuid=True), ForeignKey('users.id', ondelete='SET NULL'), nullable=True, comment="Admin who changed the role")
+
     created_at = Column(DateTime, default=lambda: datetime.now(timezone.utc))
     updated_at = Column(DateTime, default=lambda: datetime.now(timezone.utc), onupdate=lambda: datetime.now(timezone.utc))
 
@@ -145,6 +149,7 @@ class User(Base):
     events_created = relationship("Event", back_populates="creator")
     rsvps = relationship("EventRSVP", back_populates="user")
     subscriptions = relationship("Subscription", back_populates="user", foreign_keys="Subscription.user_id")
+    role_changer = relationship("User", foreign_keys=[role_changed_by], remote_side="User.id", post_update=True)
 
 class Event(Base):
     __tablename__ = "events"
@@ -509,3 +514,36 @@ class ImportRollbackAudit(Base):
     # Relationships
     import_job = relationship("ImportJob")
     admin_user = relationship("User", foreign_keys=[rolled_back_by])
+
+
+# ============================================================
+# System Settings Models
+# ============================================================
+
+class SettingType(enum.Enum):
+    plaintext = "plaintext"
+    encrypted = "encrypted"
+    json = "json"
+
+
+class SystemSettings(Base):
+    """System-wide configuration settings stored in database"""
+    __tablename__ = "system_settings"
+
+    id = Column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    setting_key = Column(String(100), unique=True, nullable=False, index=True)
+    setting_value = Column(Text, nullable=True)
+    setting_type = Column(SQLEnum(SettingType), default=SettingType.plaintext, nullable=False)
+    description = Column(Text, nullable=True)
+    updated_by = Column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="SET NULL"), nullable=True)
+    created_at = Column(DateTime, default=lambda: datetime.now(timezone.utc), nullable=False)
+    updated_at = Column(DateTime, default=lambda: datetime.now(timezone.utc), onupdate=lambda: datetime.now(timezone.utc), nullable=False)
+    is_sensitive = Column(Boolean, default=False, nullable=False)
+
+    # Relationships
+    updater = relationship("User", foreign_keys=[updated_by])
+
+    # Index on updated_at for audit queries
+    __table_args__ = (
+        Index('idx_system_settings_updated_at', 'updated_at'),
+    )

payment_service.py

@@ -11,11 +11,9 @@ from datetime import datetime, timezone, timedelta
 # Load environment variables
 load_dotenv()
 
-# Initialize Stripe with secret key
+# NOTE: Stripe credentials are now database-driven
-stripe.api_key = os.getenv("STRIPE_SECRET_KEY")
+# These .env fallbacks are kept for backward compatibility only
-
+# The actual credentials are loaded dynamically from system_settings table
-# Stripe webhook secret for signature verification
-STRIPE_WEBHOOK_SECRET = os.getenv("STRIPE_WEBHOOK_SECRET")
 
 def create_checkout_session(
     user_id: str,
@@ -23,11 +21,15 @@ def create_checkout_session(
     plan_id: str,
     stripe_price_id: str,
     success_url: str,
-    cancel_url: str
+    cancel_url: str,
+    db = None
 ):
     """
     Create a Stripe Checkout session for subscription payment.
 
+    Args:
+        db: Database session (optional, for reading Stripe credentials from database)
+
     Args:
         user_id: User's UUID
         user_email: User's email address
@@ -39,6 +41,28 @@ def create_checkout_session(
     Returns:
         dict: Checkout session object with session ID and URL
     """
+    # Load Stripe API key from database if available
+    if db:
+        try:
+            # Import here to avoid circular dependency
+            from models import SystemSettings, SettingType
+            from encryption_service import get_encryption_service
+
+            setting = db.query(SystemSettings).filter(
+                SystemSettings.setting_key == 'stripe_secret_key'
+            ).first()
+
+            if setting and setting.setting_value:
+                encryption_service = get_encryption_service()
+                stripe.api_key = encryption_service.decrypt(setting.setting_value)
+        except Exception as e:
+            # Fallback to .env if database read fails
+            print(f"Failed to read Stripe key from database: {e}")
+            stripe.api_key = os.getenv("STRIPE_SECRET_KEY")
+    else:
+        # Fallback to .env if no db session
+        stripe.api_key = os.getenv("STRIPE_SECRET_KEY")
+
     try:
         # Create Checkout Session
         checkout_session = stripe.checkout.Session.create(
@@ -74,13 +98,14 @@ def create_checkout_session(
         raise Exception(f"Stripe error: {str(e)}")
 
 
-def verify_webhook_signature(payload: bytes, sig_header: str) -> dict:
+def verify_webhook_signature(payload: bytes, sig_header: str, db=None) -> dict:
     """
     Verify Stripe webhook signature and construct event.
 
     Args:
         payload: Raw webhook payload bytes
         sig_header: Stripe signature header
+        db: Database session (optional, for reading webhook secret from database)
 
     Returns:
         dict: Verified webhook event
@@ -88,9 +113,32 @@ def verify_webhook_signature(payload: bytes, sig_header: str) -> dict:
     Raises:
         ValueError: If signature verification fails
     """
+    # Load webhook secret from database if available
+    webhook_secret = None
+    if db:
+        try:
+            from models import SystemSettings
+            from encryption_service import get_encryption_service
+
+            setting = db.query(SystemSettings).filter(
+                SystemSettings.setting_key == 'stripe_webhook_secret'
+            ).first()
+
+            if setting and setting.setting_value:
+                encryption_service = get_encryption_service()
+                webhook_secret = encryption_service.decrypt(setting.setting_value)
+        except Exception as e:
+            print(f"Failed to read webhook secret from database: {e}")
+            webhook_secret = os.getenv("STRIPE_WEBHOOK_SECRET")
+    else:
+        webhook_secret = os.getenv("STRIPE_WEBHOOK_SECRET")
+
+    if not webhook_secret:
+        raise ValueError("STRIPE_WEBHOOK_SECRET not configured")
+
     try:
         event = stripe.Webhook.construct_event(
-            payload, sig_header, STRIPE_WEBHOOK_SECRET
+            payload, sig_header, webhook_secret
         )
         return event
     except ValueError as e:

server.py

@@ -514,6 +514,10 @@ class AcceptInvitationRequest(BaseModel):
     zipcode: Optional[str] = None
     date_of_birth: Optional[datetime] = None
 
+class ChangeRoleRequest(BaseModel):
+    role: str
+    role_id: Optional[str] = None  # For custom roles
+
 # Auth Routes
 @api_router.post("/auth/register")
 async def register(request: RegisterRequest, db: Session = Depends(get_db)):
@@ -2527,6 +2531,102 @@ async def admin_reset_user_password(
 
     return {"message": f"Password reset for {user.email}. Temporary password emailed."}
 
+@api_router.put("/admin/users/{user_id}/role")
+async def change_user_role(
+    user_id: str,
+    request: ChangeRoleRequest,
+    current_user: User = Depends(require_permission("users.edit")),
+    db: Session = Depends(get_db)
+):
+    """
+    Change an existing user's role with privilege escalation prevention.
+
+    Requires: users.edit permission
+
+    Rules:
+    - Superadmin: Can assign any role (including superadmin)
+    - Admin: Can assign admin, finance, member, guest, and non-elevated custom roles
+    - Admin CANNOT assign: superadmin or custom roles with elevated permissions
+    - Users CANNOT change their own role
+    """
+
+    # 1. Fetch target user
+    target_user = db.query(User).filter(User.id == user_id).first()
+    if not target_user:
+        raise HTTPException(status_code=404, detail="User not found")
+
+    # 2. Prevent self-role-change
+    if str(target_user.id) == str(current_user.id):
+        raise HTTPException(
+            status_code=403,
+            detail="You cannot change your own role"
+        )
+
+    # 3. Validate new role
+    if request.role not in ['guest', 'member', 'admin', 'finance', 'superadmin']:
+        raise HTTPException(status_code=400, detail="Invalid role")
+
+    # 4. Privilege escalation check
+    if current_user.role != 'superadmin':
+        # Non-superadmin cannot assign superadmin role
+        if request.role == 'superadmin':
+            raise HTTPException(
+                status_code=403,
+                detail="Only superadmin can assign superadmin role"
+            )
+
+        # Check custom role elevation
+        if request.role_id:
+            custom_role = db.query(Role).filter(Role.id == request.role_id).first()
+            if not custom_role:
+                raise HTTPException(status_code=404, detail="Custom role not found")
+
+            # Check if custom role has elevated permissions
+            elevated_permissions = ['users.delete', 'roles.create', 'roles.edit',
+                                   'roles.delete', 'permissions.edit']
+            role_perms = db.query(Permission.name).join(RolePermission).filter(
+                RolePermission.role_id == custom_role.id,
+                Permission.name.in_(elevated_permissions)
+            ).all()
+
+            if role_perms:
+                raise HTTPException(
+                    status_code=403,
+                    detail=f"Cannot assign role with elevated permissions: {custom_role.name}"
+                )
+
+    # 5. Update role with audit trail
+    old_role = target_user.role
+    old_role_id = target_user.role_id
+
+    target_user.role = request.role
+    target_user.role_id = request.role_id if request.role_id else None
+    target_user.role_changed_at = datetime.now(timezone.utc)
+    target_user.role_changed_by = current_user.id
+    target_user.updated_at = datetime.now(timezone.utc)
+
+    db.commit()
+    db.refresh(target_user)
+
+    # Log admin action
+    logger.info(
+        f"Admin {current_user.email} changed role for user {target_user.email} "
+        f"from {old_role} to {request.role}"
+    )
+
+    return {
+        "message": f"Role changed from {old_role} to {request.role}",
+        "user": {
+            "id": str(target_user.id),
+            "email": target_user.email,
+            "name": f"{target_user.first_name} {target_user.last_name}",
+            "old_role": old_role,
+            "new_role": target_user.role,
+            "changed_by": f"{current_user.first_name} {current_user.last_name}",
+            "changed_at": target_user.role_changed_at.isoformat()
+        }
+    }
+
 @api_router.post("/admin/users/{user_id}/resend-verification")
 async def admin_resend_verification(
     user_id: str,
@@ -6197,8 +6297,8 @@ async def stripe_webhook(request: Request, db: Session = Depends(get_db)):
         raise HTTPException(status_code=400, detail="Missing stripe-signature header")
 
     try:
-        # Verify webhook signature
+        # Verify webhook signature (pass db for reading webhook secret from database)
-        event = verify_webhook_signature(payload, sig_header)
+        event = verify_webhook_signature(payload, sig_header, db)
     except ValueError as e:
         logger.error(f"Webhook signature verification failed: {str(e)}")
         raise HTTPException(status_code=400, detail=str(e))
@@ -6298,6 +6398,277 @@ async def stripe_webhook(request: Request, db: Session = Depends(get_db)):
 
     return {"status": "success"}
 
+# ============================================================================
+# ADMIN SETTINGS ENDPOINTS
+# ============================================================================
+
+# Helper functions for system settings
+def get_setting(db: Session, key: str, decrypt: bool = False) -> str | None:
+    """
+    Get a system setting value from database.
+
+    Args:
+        db: Database session
+        key: Setting key to retrieve
+        decrypt: If True and setting_type is 'encrypted', decrypt the value
+
+    Returns:
+        Setting value or None if not found
+    """
+    from models import SystemSettings, SettingType
+    from encryption_service import get_encryption_service
+
+    setting = db.query(SystemSettings).filter(SystemSettings.setting_key == key).first()
+    if not setting:
+        return None
+
+    value = setting.setting_value
+    if decrypt and setting.setting_type == SettingType.encrypted and value:
+        try:
+            encryption_service = get_encryption_service()
+            value = encryption_service.decrypt(value)
+        except Exception as e:
+            print(f"Failed to decrypt setting {key}: {e}")
+            return None
+
+    return value
+
+
+def set_setting(
+    db: Session,
+    key: str,
+    value: str,
+    user_id: str,
+    setting_type: str = "plaintext",
+    description: str = None,
+    is_sensitive: bool = False,
+    encrypt: bool = False
+) -> None:
+    """
+    Set a system setting value in database.
+
+    Args:
+        db: Database session
+        key: Setting key
+        value: Setting value
+        user_id: ID of user making the change
+        setting_type: Type of setting (plaintext, encrypted, json)
+        description: Human-readable description
+        is_sensitive: Whether this is sensitive data
+        encrypt: If True, encrypt the value before storing
+    """
+    from models import SystemSettings, SettingType
+    from encryption_service import get_encryption_service
+
+    # Encrypt value if requested
+    if encrypt and value:
+        encryption_service = get_encryption_service()
+        value = encryption_service.encrypt(value)
+        setting_type = "encrypted"
+
+    # Find or create setting
+    setting = db.query(SystemSettings).filter(SystemSettings.setting_key == key).first()
+
+    if setting:
+        # Update existing
+        setting.setting_value = value
+        setting.setting_type = SettingType[setting_type]
+        setting.updated_by = user_id
+        setting.updated_at = datetime.now(timezone.utc)
+        if description:
+            setting.description = description
+        setting.is_sensitive = is_sensitive
+    else:
+        # Create new
+        setting = SystemSettings(
+            setting_key=key,
+            setting_value=value,
+            setting_type=SettingType[setting_type],
+            description=description,
+            updated_by=user_id,
+            is_sensitive=is_sensitive
+        )
+        db.add(setting)
+
+    db.commit()
+
+@api_router.get("/admin/settings/stripe/status")
+async def get_stripe_status(
+    current_user: User = Depends(get_current_superadmin),
+    db: Session = Depends(get_db)
+):
+    """
+    Get Stripe integration status (superadmin only).
+
+    Returns:
+    - configured: Whether credentials exist in database
+    - secret_key_prefix: First 10 chars of secret key (for verification)
+    - webhook_configured: Whether webhook secret exists
+    - environment: test or live (based on key prefix)
+    - webhook_url: Full webhook URL for Stripe configuration
+    """
+    import os
+
+    # Read from database
+    secret_key = get_setting(db, 'stripe_secret_key', decrypt=True)
+    webhook_secret = get_setting(db, 'stripe_webhook_secret', decrypt=True)
+
+    configured = bool(secret_key)
+    environment = 'unknown'
+
+    if secret_key:
+        if secret_key.startswith('sk_test_'):
+            environment = 'test'
+        elif secret_key.startswith('sk_live_'):
+            environment = 'live'
+
+    # Get backend URL from environment for webhook URL
+    # Try multiple environment variable patterns for flexibility
+    backend_url = (
+        os.environ.get('BACKEND_URL') or
+        os.environ.get('API_URL') or
+        f"http://{os.environ.get('HOST', 'localhost')}:{os.environ.get('PORT', '8000')}"
+    )
+    webhook_url = f"{backend_url}/api/webhooks/stripe"
+
+    return {
+        "configured": configured,
+        "secret_key_prefix": secret_key[:10] if secret_key else None,
+        "secret_key_set": bool(secret_key),
+        "webhook_secret_set": bool(webhook_secret),
+        "environment": environment,
+        "webhook_url": webhook_url,
+        "instructions": {
+            "location": "Database (system_settings table)",
+            "required_settings": [
+                "stripe_secret_key (sk_test_... or sk_live_...)",
+                "stripe_webhook_secret (whsec_...)"
+            ],
+            "restart_required": "No - changes take effect immediately"
+        }
+    }
+
+@api_router.post("/admin/settings/stripe/test-connection")
+async def test_stripe_connection(
+    current_user: User = Depends(get_current_superadmin),
+    db: Session = Depends(get_db)
+):
+    """
+    Test Stripe API connection (superadmin only).
+
+    Performs a simple API call to verify credentials work.
+    """
+    import stripe
+
+    # Read from database
+    secret_key = get_setting(db, 'stripe_secret_key', decrypt=True)
+
+    if not secret_key:
+        raise HTTPException(
+            status_code=400,
+            detail="STRIPE_SECRET_KEY not configured in database. Please configure Stripe settings first."
+        )
+
+    try:
+        stripe.api_key = secret_key
+
+        # Make a simple API call to test connection
+        balance = stripe.Balance.retrieve()
+
+        return {
+            "success": True,
+            "message": "Stripe connection successful",
+            "environment": "test" if secret_key.startswith('sk_test_') else "live",
+            "balance": {
+                "available": balance.available,
+                "pending": balance.pending
+            }
+        }
+    except stripe.error.AuthenticationError as e:
+        raise HTTPException(
+            status_code=401,
+            detail=f"Stripe authentication failed: {str(e)}"
+        )
+    except Exception as e:
+        raise HTTPException(
+            status_code=500,
+            detail=f"Stripe connection test failed: {str(e)}"
+        )
+
+
+class UpdateStripeSettingsRequest(BaseModel):
+    """Request model for updating Stripe settings"""
+    secret_key: str = Field(..., min_length=1, description="Stripe secret key (sk_test_... or sk_live_...)")
+    webhook_secret: str = Field(..., min_length=1, description="Stripe webhook secret (whsec_...)")
+
+
+@api_router.put("/admin/settings/stripe")
+async def update_stripe_settings(
+    request: UpdateStripeSettingsRequest,
+    current_user: User = Depends(get_current_superadmin),
+    db: Session = Depends(get_db)
+):
+    """
+    Update Stripe integration settings (superadmin only).
+
+    Stores Stripe credentials encrypted in the database.
+    Changes take effect immediately without server restart.
+    """
+    # Validate secret key format
+    if not (request.secret_key.startswith('sk_test_') or request.secret_key.startswith('sk_live_')):
+        raise HTTPException(
+            status_code=400,
+            detail="Invalid Stripe secret key format. Must start with 'sk_test_' or 'sk_live_'"
+        )
+
+    # Validate webhook secret format
+    if not request.webhook_secret.startswith('whsec_'):
+        raise HTTPException(
+            status_code=400,
+            detail="Invalid Stripe webhook secret format. Must start with 'whsec_'"
+        )
+
+    try:
+        # Store secret key (encrypted)
+        set_setting(
+            db=db,
+            key='stripe_secret_key',
+            value=request.secret_key,
+            user_id=str(current_user.id),
+            description='Stripe API secret key for payment processing',
+            is_sensitive=True,
+            encrypt=True
+        )
+
+        # Store webhook secret (encrypted)
+        set_setting(
+            db=db,
+            key='stripe_webhook_secret',
+            value=request.webhook_secret,
+            user_id=str(current_user.id),
+            description='Stripe webhook secret for verifying webhook signatures',
+            is_sensitive=True,
+            encrypt=True
+        )
+
+        # Determine environment
+        environment = 'test' if request.secret_key.startswith('sk_test_') else 'live'
+
+        return {
+            "success": True,
+            "message": "Stripe settings updated successfully",
+            "environment": environment,
+            "updated_at": datetime.now(timezone.utc).isoformat(),
+            "updated_by": f"{current_user.first_name} {current_user.last_name}"
+        }
+
+    except Exception as e:
+        raise HTTPException(
+            status_code=500,
+            detail=f"Failed to update Stripe settings: {str(e)}"
+        )
+
+
 # Include the router in the main app
 app.include_router(api_router)