diff --git a/frontend/src/lib/components/account/EditRequestModal.svelte b/frontend/src/lib/components/account/EditRequestModal.svelte
index 05984b5..23aeb3d 100644
--- a/frontend/src/lib/components/account/EditRequestModal.svelte
+++ b/frontend/src/lib/components/account/EditRequestModal.svelte
@@ -8,7 +8,8 @@
 	import * as Textarea from '$lib/components/ui/textarea';
 	import * as Label from '$lib/components/ui/label';
 	import DatePicker from '$lib/components/booking/DatePicker.svelte';
-	import type { Booking, Service, WorkingHoursDay, AvailableHoursDay } from '$lib/types/booking';
+	import PolicyPopover from '$lib/components/ui/policyPopover.svelte';
+	import type { Booking, BookingDiscount, Service, WorkingHoursDay, AvailableHoursDay } from '$lib/types/booking';
 	import {
 		extractBookedSlots,
 		getLunchProtectionForSlots,
@@ -77,6 +78,28 @@
 	);
 	let placeholderDate = $state<CalendarDate>(minDate);
 
+	let hoursUntilAppointment = $derived(
+		(new SvelteDate(booking.start_time).getTime() - new SvelteDate().getTime()) / (1000 * 60 * 60)
+	);
+	let hasPayments = $derived(
+		(booking.amount_paid ?? 0) > 0
+	);
+	let noticePeriodBlocked = $derived(
+		hasPayments ? hoursUntilAppointment < 72 : hoursUntilAppointment < 24
+	);
+	let noticePeriodWarning = $derived(
+		!hasPayments && hoursUntilAppointment < 24 && hoursUntilAppointment >= 0
+	);
+	let noticeBlockedMessage = $derived(
+		hasPayments
+			? 'This booking has payments and is too close to the original appointment to reschedule online.'
+			: 'This booking is too close to the original appointment time to reschedule online.'
+	);
+
+	let discountTotal = $derived(
+		booking.discounts?.reduce((sum, d) => sum + d.discount_amount, 0) ?? 0
+	);
+
 	let bookingTotalDuration = $derived(
 		booking.services?.reduce(
 			(sum, s) => sum + (s.override_duration_minutes ?? s.duration_minutes ?? 0),
@@ -110,7 +133,7 @@
 	let modalTitle = $derived(() => {
 		switch (editMode) {
 			case 'select':
-				return 'Edit Request';
+				return 'Edit/Reschedule';
 			case 'time':
 				return 'Change Time';
 			case 'services':
@@ -379,9 +402,10 @@
 		}
 	});
 
+	let servicesHoursFetched = $state(false);
 	$effect(() => {
-		if (editMode === 'services') {
-			// Fetch hours for the booking's current date to calculate remaining time
+		if (editMode === 'services' && !servicesHoursFetched) {
+			servicesHoursFetched = true;
 			const bookingDate = new SvelteDate(booking.start_time);
 			const calDate = new CalendarDate(
 				bookingDate.getFullYear(),
@@ -390,6 +414,9 @@
 			);
 			fetchHoursForMonth(calDate);
 		}
+		if (editMode !== 'services') {
+			servicesHoursFetched = false;
+		}
 	});
 
 	// ─── Auto-select ────────────────────────────────────────
@@ -681,12 +708,16 @@
 			});
 
 			if (response.ok) {
-				toast.success("Edit request sent — we'll confirm shortly");
+				const noShowWarning = response.headers.get('X-No-Show-Warning');
+				if (noShowWarning) {
+					toast.warning(noShowWarning, { duration: 8000 });
+				}
+				toast.success("Edit/reschedule request sent — we'll confirm shortly");
 				open = false;
 				onSubmitted();
 			} else {
 				const text = await response.text();
-				toast.error(text || 'Failed to submit edit request');
+				toast.error(text || 'Failed to submit edit/reschedule request');
 			}
 		} catch {
 			toast.error('Network error');
@@ -734,10 +765,54 @@
 				<div class="flex flex-col gap-3">
 					<p class="text-sm text-gray-600">What would you like to change?</p>
 
+					{#if noticePeriodBlocked}
+						<div class="rounded-md border border-amber-200 bg-amber-50 p-3 text-sm text-amber-800">
+							<p class="font-medium text-amber-900">Cannot Reschedule Online</p>
+							<p class="mt-1">{noticeBlockedMessage}</p>
+							<p class="mt-1">
+								<a href="/contact" target="_blank" class="underline">Contact us</a> to discuss options,
+								or <button type="button" onclick={() => open = false} class="inline underline cursor-pointer">cancel this booking</button>
+								and rebook — note that cancellation fees may apply based on our
+								<PolicyPopover>
+									{#snippet trigger()}
+										<span class="underline">deposit policy</span>
+									{/snippet}
+								</PolicyPopover>.
+							</p>
+						</div>
+					{:else if noticePeriodWarning}
+						<div class="rounded-md border border-amber-200 bg-amber-50 p-3 text-sm text-amber-800">
+							<p class="font-medium text-amber-900">Rescheduling Within 24h</p>
+							<p class="mt-1">
+								Rescheduling within 24h counts as a no-show towards your deposit obligations. Two no-shows
+								within 6 months will require deposits on future bookings.
+								<PolicyPopover>
+									{#snippet trigger()}
+										<span class="underline">Full policy</span>
+									{/snippet}
+								</PolicyPopover>
+							</p>
+						</div>
+					{/if}
+
+					{#if booking.discounts && booking.discounts.length > 0}
+						<div
+							class="rounded-md border border-amber-200 bg-amber-50 p-3 text-sm text-amber-800"
+						>
+							<p class="font-medium text-amber-900">Discounts Applied to This Booking</p>
+							<p class="mt-1">
+								Your booking has £{discountTotal.toFixed(2)} in savings from loyalty stamps or
+								promotional offers. A time change requires admin approval. If denied, you can cancel
+								(standard refund policy applies) and rebook at full price.
+							</p>
+						</div>
+					{/if}
+
 					<button
 						type="button"
+						disabled={noticePeriodBlocked}
 						onclick={() => selectMode('time')}
-						class="flex w-full items-center gap-4 rounded-lg border border-gray-200 bg-white p-4 text-left transition-colors hover:border-fuchsia-200 hover:bg-fuchsia-50"
+						class="flex w-full items-center gap-4 rounded-lg border border-gray-200 bg-white p-4 text-left transition-colors hover:border-fuchsia-200 hover:bg-fuchsia-50 disabled:cursor-not-allowed disabled:opacity-50"
 					>
 						<div
 							class="flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-gray-100 text-gray-600"
@@ -775,7 +850,7 @@
 					<button
 						type="button"
 						onclick={() => selectMode('both-services')}
-						disabled={hasOverrides}
+						disabled={hasOverrides || noticePeriodBlocked}
 						class="flex w-full items-center gap-4 rounded-lg border border-gray-200 bg-white p-4 text-left transition-colors hover:border-fuchsia-200 hover:bg-fuchsia-50 disabled:cursor-not-allowed disabled:opacity-50"
 						title={hasOverrides
 							? 'This booking has custom pricing. To change services, please contact the salon.'
diff --git a/frontend/src/lib/components/account/UserBookingModal.svelte b/frontend/src/lib/components/account/UserBookingModal.svelte
index 9fe4480..715f92d 100644
--- a/frontend/src/lib/components/account/UserBookingModal.svelte
+++ b/frontend/src/lib/components/account/UserBookingModal.svelte
@@ -1,4 +1,6 @@
 <script lang="ts">
+	import PolicyPopover from '$lib/components/ui/policyPopover.svelte';
+	import { POLICY } from '$lib/constants/policy';
 	import { authStore } from '$lib/stores/auth.svelte';
 	import { SvelteDate } from 'svelte/reactivity';
 	import { toast } from 'svelte-sonner';
@@ -19,6 +21,19 @@
 	let selectedBooking = $state<Booking | null>(null);
 	let loading = $state(false);
 	let hasPendingEditRequest = $state(false);
+	let pendingEditRequest = $state<{
+		id: string;
+		notes: string | null;
+		requested_at: string;
+		original: {
+			start_time: string | null;
+			services: Array<{ name: string; price: number; duration_minutes: number }>;
+		};
+		proposed: {
+			start_time: string | null;
+			services: Array<{ name: string; price: number; duration_minutes: number }>;
+		};
+	} | null>(null);
 
 	let showEditModal = $state(false);
 	let showCancelConfirm = $state(false);
@@ -45,7 +60,7 @@
 		selectedBooking && isFutureBooking && ['pending', 'confirmed'].includes(selectedBooking.status)
 	);
 
-	let canEditBooking = $derived(isCancellable && !hasPayments);
+	let canEditBooking = $derived(isCancellable);
 
 	let totalPaid = $derived(
 		selectedBooking?.payments
@@ -61,11 +76,27 @@
 		selectedBooking &&
 			!depositOutstanding &&
 			totalPaid < selectedBooking.total_amount &&
-			['confirmed', 'pending'].includes(selectedBooking.status)
+			['confirmed', 'in_progress'].includes(selectedBooking.status)
 	);
 
 	let isCompleted = $derived(selectedBooking?.status === 'completed');
 
+	let hoursUntilAppointment = $derived(
+		selectedBooking
+			? (new SvelteDate(selectedBooking.start_time).getTime() - new SvelteDate().getTime()) / (1000 * 60 * 60)
+			: Infinity
+	);
+	let protectedDeposit = $derived(
+		selectedBooking ? Math.min(totalPaid, selectedBooking.total_amount * POLICY.PROTECTED_DEPOSIT_MAX_PCT) : 0
+	);
+	let estimatedRefund = $derived(
+		hoursUntilAppointment > POLICY.FULL_REFUND_THRESHOLD_HOURS
+			? totalPaid
+			: hoursUntilAppointment >= POLICY.PARTIAL_REFUND_THRESHOLD_HOURS
+				? Math.max(0, totalPaid - protectedDeposit)
+				: 0
+	);
+
 	let showPaymentModal = $state(false);
 
 	let showTipModal = $state(false);
@@ -171,7 +202,9 @@
 				const editResp = await fetch(`/api/bookings/${bookingId}/edit-request`, {
 					headers: { Authorization: `Bearer ${authStore.currentToken}` }
 				});
-				hasPendingEditRequest = editResp.ok;
+				const editData = await editResp.json();
+				hasPendingEditRequest = editData.edit_request != null;
+				pendingEditRequest = editData.edit_request || null;
 			} else {
 				const text = await response.text();
 				toast.error('Failed to load booking: ' + text);
@@ -191,6 +224,7 @@
 			setTimeout(() => {
 				selectedBooking = null;
 				hasPendingEditRequest = false;
+				pendingEditRequest = null;
 				showCancelConfirm = false;
 				showEditModal = false;
 			}, 200);
@@ -331,7 +365,7 @@
 					<h3 class="mb-3 text-sm font-semibold tracking-wide text-gray-600 uppercase">
 						Appointment Details
 					</h3>
-					<div class="grid gap-3 md:grid-cols-2">
+					<div class="grid grid-cols-1 gap-3 sm:grid-cols-2">
 						<div>
 							<div class="text-xs text-gray-500">Scheduled Date & Time</div>
 							<div class="font-medium">
@@ -568,11 +602,38 @@
 								showEditModal = true;
 							}}
 						>
-							Edit Request
+							Edit/Reschedule
 						</Button>
 					{/if}
 				{/if}
 			</div>
+
+			{#if pendingEditRequest}
+				{@const timeChanged = pendingEditRequest.original.start_time && pendingEditRequest.proposed?.start_time && pendingEditRequest.original.start_time !== pendingEditRequest.proposed.start_time}
+				{@const servicesChanged = pendingEditRequest.proposed?.services?.length && JSON.stringify(pendingEditRequest.original.services?.map(s => s.name)) !== JSON.stringify(pendingEditRequest.proposed.services?.map(s => s.name))}
+				<div class="rounded-md border border-amber-200 bg-amber-50/60 px-4 py-3 text-sm">
+					<div class="flex items-start gap-2.5">
+						<svg class="mt-0.5 h-4 w-4 shrink-0 text-amber-500" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2">
+							<path d="M12 16v-4M12 8h.01" />
+							<circle cx="12" cy="12" r="10" />
+						</svg>
+						<div class="text-amber-900">
+							<p class="font-medium">Awaiting admin approval</p>
+							<p class="mt-0.5 text-amber-700">
+								{#if timeChanged}
+									Reschedule requested from {new SvelteDate(pendingEditRequest.original.start_time!).toLocaleString('en-GB', { day: 'numeric', month: 'short', hour: '2-digit', minute: '2-digit' })} to {new SvelteDate(pendingEditRequest.proposed.start_time!).toLocaleString('en-GB', { day: 'numeric', month: 'short', hour: '2-digit', minute: '2-digit' })}
+								{/if}
+								{#if servicesChanged}
+									{timeChanged ? ' • ' : ''}Service change requested
+								{/if}
+								{pendingEditRequest.notes ? (timeChanged || servicesChanged ? ' — ' : '') + pendingEditRequest.notes : ''}
+							</p>
+							<p class="mt-0.5 text-xs text-amber-500">We'll let you know once it's been reviewed</p>
+						</div>
+					</div>
+				</div>
+			{/if}
+
 			<div class="flex gap-2">
 				{#if isCompleted}
 					<Button
@@ -584,7 +645,7 @@
 						Leave a Tip
 					</Button>
 				{/if}
-				{#if depositOutstanding}
+				{#if depositOutstanding && selectedBooking?.status !== 'pending'}
 					<Button
 						size="sm"
 						class="flex-1 bg-amber-600 text-white hover:bg-amber-700"
@@ -598,11 +659,15 @@
 						size="sm"
 						class="flex-1 bg-emerald-600 text-white hover:bg-emerald-700"
 						onclick={() => (showPaymentModal = true)}
-						disabled={hasPendingEditRequest}
 					>
 						Pay Early
 					</Button>
 				{/if}
+				{#if hasPendingEditRequest && !depositOutstanding}
+					<div class="flex-1 rounded-md border border-dashed border-gray-200 bg-gray-50/50 px-3 py-2 text-center text-xs text-gray-400">
+						Payments paused while awaiting approval
+					</div>
+				{/if}
 			</div>
 			<Button size="sm" class="w-full" variant="ghost" onclick={() => (open = false)}>Close</Button>
 		</div>
@@ -626,6 +691,7 @@
 		onClose={() => (showPaymentModal = false)}
 		onComplete={handlePaymentComplete}
 		{canSaveCards}
+		defaultPaymentType={depositOutstanding ? 'deposit' : undefined}
 	/>
 {/if}
 
@@ -634,36 +700,76 @@
 		<Modal.Header>
 			<Modal.Title>Cancel Booking</Modal.Title>
 			<Modal.Description>
+				{@const hoursUntilAppt = Math.round(hoursUntilAppointment)}
 				{#if hasPayments}
 					<p>
 						Are you sure you want to cancel this booking? You have already made payments totalling
 						<span class="font-semibold">£{totalPaid.toFixed(2)}</span>.
 					</p>
-				{:else}
-					Are you sure you want to cancel this booking?
-				{/if}
-				{#if hasPayments}
 					<div
-						class="mt-2 rounded-md border border-amber-200 bg-amber-50 p-3 text-sm text-amber-800"
+						class="mt-2 rounded-md border p-3 text-sm {hoursUntilAppt < POLICY.PARTIAL_REFUND_THRESHOLD_HOURS
+							? 'border-red-200 bg-red-50 text-red-800'
+							: 'border-amber-200 bg-amber-50 text-amber-800'}"
 					>
-						<p class="font-medium">Please note:</p>
-						<p class="mt-1">
-							Any amounts paid (<span class="font-semibold">£{totalPaid.toFixed(2)}</span>) will
-							not be refunded, but will be retained as credit towards a future appointment.
-						</p>
-						{#if selectedBooking}
-							{#if selectedBooking.deposit_paid}
-								<p class="mt-1">
-									The deposit of
-									<span class="font-semibold">£{selectedBooking.deposit_amount?.toFixed(2)}</span>
-									paid for this booking may be forfeited.
-								</p>
-							{/if}
-							{#if selectedBooking.deposit_required && !selectedBooking.deposit_paid}
-								<p class="mt-1">Any outstanding deposit will no longer be due.</p>
-							{/if}
+						{#if hoursUntilAppt > POLICY.FULL_REFUND_THRESHOLD_HOURS}
+							<p class="font-medium text-green-800">Full Refund</p>
+							<p class="mt-1">
+								You have given over {POLICY.FULL_REFUND_THRESHOLD_HOURS} hours' notice. You will receive a
+								<strong>full refund</strong> of <strong>£{totalPaid.toFixed(2)}</strong>.
+								Nothing will be deducted.
+							</p>
+						{:else if hoursUntilAppt >= POLICY.PARTIAL_REFUND_THRESHOLD_HOURS}
+							<p class="font-medium">Partial Refund</p>
+							<p class="mt-1">
+								Based on your notice period ({hoursUntilAppt}h), up to {POLICY.PROTECTED_DEPOSIT_MAX_PCT * 100}% of the total
+								(£{protectedDeposit.toFixed(2)}) is treated as a protected deposit and will be
+								retained. The remaining <strong>£{estimatedRefund.toFixed(2)}</strong> will be refunded.
+							</p>
+						{:else}
+							<p class="font-semibold text-red-900">Cancelling With No Refund</p>
+							<p class="mt-1">
+								This booking is under {POLICY.PARTIAL_REFUND_THRESHOLD_HOURS} hours' notice. The full amount you have paid
+								(<strong>£{totalPaid.toFixed(2)}</strong>) will be retained to cover the lost slot.
+								It will also count as a <strong>no-show</strong> toward your booking history
+								(2 no-shows within 6 months would require deposits on future bookings).
+							</p>
 						{/if}
+						<p class="mt-2 text-xs">
+							Refunds are processed via Square and may take 3–5 business days. See our
+							<PolicyPopover>
+								{#snippet trigger()}
+									<span class="underline">cancellation policy</span>
+								{/snippet}
+							</PolicyPopover>
+							for full details.
+						</p>
 					</div>
+				{:else}
+					{#if hoursUntilAppt >= POLICY.PARTIAL_REFUND_THRESHOLD_HOURS}
+						<p>
+							Are you sure you want to cancel this booking?
+						</p>
+						<div class="mt-2 rounded-md border border-blue-200 bg-blue-50 p-3 text-sm text-blue-800">
+							<p class="font-medium">Clean Cancellation</p>
+							<p class="mt-1">
+								This booking has no payments and is being cancelled with
+								{hoursUntilAppt > POLICY.FULL_REFUND_THRESHOLD_HOURS ? 'plenty of' : 'sufficient'} notice.
+								It will be removed completely and will not appear in your booking history.
+							</p>
+						</div>
+					{:else}
+						<p>
+							Are you sure you want to cancel this booking?
+						</p>
+						<div class="mt-2 rounded-md border border-red-200 bg-red-50 p-3 text-sm text-red-800">
+							<p class="font-semibold text-red-900">Short Notice Cancellation</p>
+							<p class="mt-1">
+								This booking is under {POLICY.PARTIAL_REFUND_THRESHOLD_HOURS} hours' notice. Cancelling now counts as a
+								<strong>no-show</strong> (2 no-shows within 6 months will require deposits on
+								future bookings).
+							</p>
+						</div>
+					{/if}
 				{/if}
 			</Modal.Description>
 		</Modal.Header>
@@ -694,7 +800,7 @@
 		</Modal.Header>
 
 		<div class="space-y-4 px-4 pb-4">
-			<div class="grid grid-cols-3 gap-3">
+			<div class="grid grid-cols-2 gap-3 sm:grid-cols-3">
 				{#each tipPresets as preset (preset.pct)}
 					<button
 						class="rounded-lg border border-input bg-background py-3 text-center font-semibold transition-colors hover:bg-fuchsia-50 {selectedTipPreset ===
diff --git a/frontend/src/lib/components/booking/BookingFlow.svelte b/frontend/src/lib/components/booking/BookingFlow.svelte
index 9ca8a68..65ba1f4 100644
--- a/frontend/src/lib/components/booking/BookingFlow.svelte
+++ b/frontend/src/lib/components/booking/BookingFlow.svelte
@@ -29,6 +29,9 @@
 	import DatePicker from '$lib/components/booking/DatePicker.svelte';
 	import TimeSlotPicker from '$lib/components/booking/TimeSlotPicker.svelte';
 	import ServiceSelector from '$lib/components/booking/ServiceSelector.svelte';
+	import CardInput from '$lib/components/payments/CardInput.svelte';
+	import PolicyPopover from '$lib/components/ui/policyPopover.svelte';
+	import { POLICY } from '$lib/constants/policy';
 	import UserPaymentModal from '$lib/components/payments/UserPaymentModal.svelte';
 	import {
 		extractBookedSlots,
@@ -42,7 +45,8 @@
 		WorkingHoursDay,
 		AvailableHoursDay,
 		BookingService,
-		BookingStatus
+		BookingStatus,
+		Payment
 	} from '$lib/types/booking';
 
 	// =============== State Management ===============
@@ -155,9 +159,23 @@
 		status: string;
 		start_time: string;
 		notes: string;
+		deposit_required: boolean;
+		deposit_paid: boolean;
+		deposit_amount: number;
+		amount_paid: number;
+		amount_due: number;
+		payments: Payment[];
+		total_amount: number;
+		duration_minutes: number;
 	} | null>(null);
 
 	let showPayEarlyModal = $state(false);
+	let discountPreview = $state<{
+		eligible: boolean;
+		discounts: Array<{ source: string; name: string; percent: number; amount: number }>;
+		original_total: number;
+		discounted_total: number;
+	} | null>(null);
 
 	// =============== Payment Functions ===============
 	async function fetchUserDepositsRequired() {
@@ -167,7 +185,7 @@
 		}
 
 		try {
-			const response = await fetch('/api/user', {
+			const response = await fetch('/api/user/profile', {
 				headers: authStore.currentToken ? { Authorization: `Bearer ${authStore.currentToken}` } : {}
 			});
 			if (response.ok) {
@@ -252,39 +270,91 @@
 	function calculateDepositRequired(): boolean {
 		if (!selectedDate || !selectedTime) return false;
 
-		// Deposit required if user has deposits_required > 0 AND appointment is within 24 hours
-		const [hours, minutes] = selectedTime.split(':').map(Number);
-		const appointmentDate = selectedDate.toDate(getLocalTimeZone());
-		appointmentDate.setHours(hours, minutes, 0, 0);
-
-		const now = new SvelteDate();
-		const hoursUntilAppointment = (appointmentDate.getTime() - now.getTime()) / (1000 * 60 * 60);
-
-		return userDepositsRequired > 0 && hoursUntilAppointment <= 24;
+		// Deposit required if user has deposits_required > 0, regardless of booking window
+		return userDepositsRequired > 0;
 	}
 
 	function calculateDepositAmount(): number {
 		return Math.round(getTotalPrice() * 0.2 * 100) / 100;
 	}
 
+	async function fetchDiscountPreview() {
+		if (!confirmedBooking?.id) return;
+		try {
+			const resp = await fetch(`/api/bookings/${confirmedBooking.id}/discount-preview`, {
+				headers: authStore.currentToken
+					? { Authorization: `Bearer ${authStore.currentToken}` }
+					: undefined
+			});
+			if (resp.ok) {
+				const data = await resp.json();
+				// Only show time-based (auto-apply) discounts on the confirmation screen
+			if (data.eligible && data.discounts?.length > 0) {
+				discountPreview = data;
+			}
+			}
+		} catch (err) {
+			console.error('Failed to fetch discount preview:', err);
+		}
+	}
+
 	async function processPayment(amount: number) {
 		isProcessingPayment = true;
+		paymentAttempted = false;
 		try {
-			// TODO: Integrate Square SDK for actual payment processing
-			// For now, simulate successful payment after a delay
-			await new Promise((resolve) => setTimeout(resolve, 1500));
+			await submitAndProceed();
+			if (!confirmedBooking) {
+				toast.error('Booking was not created. Please try again.');
+				return;
+			}
+			const bookingId = confirmedBooking.id;
+			const amountCents = Math.round(amount * 100);
 
-			toast.success('Payment successful!');
-			depositPaid = true;
-			showPaymentForm = false;
-			nextStep();
+			const body: Record<string, unknown> = {
+				payment_type: 'deposit',
+				amount: amountCents,
+				idempotency_key: crypto.randomUUID?.() ?? Date.now().toString()
+			};
+
+			if (selectedPaymentMethod) {
+				body.card_id = selectedPaymentMethod;
+			} else {
+				const rawNumber = newCardNumber.replace(/\s/g, '');
+				if (rawNumber.length >= 13) {
+					body.new_card_token = rawNumber;
+				}
+			}
+
+			paymentAttempted = true;
+
+			const response = await fetch(`/api/bookings/${bookingId}/payment`, {
+				method: 'POST',
+				headers: {
+					'Content-Type': 'application/json',
+					...(authStore.currentToken ? { Authorization: `Bearer ${authStore.currentToken}` } : {})
+				},
+				body: JSON.stringify(body)
+			});
+
+			if (response.ok) {
+				depositPaid = true;
+				confirmedBooking.deposit_paid = true;
+				confirmedBooking.amount_paid = (confirmedBooking.amount_paid || 0) + amount;
+				confirmedBooking.amount_due = Math.max(0, (confirmedBooking.amount_due || 0) - amount);
+				toast.success('Payment successful!');
+			} else {
+				const text = await response.text();
+				toast.warning(text || 'Payment failed — you can pay again from your booking details.');
+			}
 		} catch (err) {
-			toast.error('Payment failed. Please try again.');
+			toast.error('An error occurred. Your booking may still be confirmed — check your appointments.');
 		} finally {
 			isProcessingPayment = false;
 		}
 	}
 
+	let paymentAttempted = $state(false);
+
 	function handlePayNow() {
 		showPaymentForm = true;
 		if (authStore.isAuthenticated) {
@@ -923,8 +993,13 @@
 			const minute = minutes % 60;
 			const timeStr = `${String(hour).padStart(2, '0')}:${String(minute).padStart(2, '0')}`;
 
-			const isAvailable =
-				availableSlots.includes(timeStr) && !lunchProtectionMap.get(timeStr)?.isBlocked;
+			const slotDateTime = date.toDate(getLocalTimeZone());
+		slotDateTime.setHours(hour, minute, 0, 0);
+		const hoursUntilSlot = (slotDateTime.getTime() - now.getTime()) / (1000 * 60 * 60);
+		const isBlockedByDepositAdvance = userDepositsRequired > 0 && hoursUntilSlot < POLICY.DEPOSIT_ADVANCE_HOURS;
+
+		const isAvailable =
+				availableSlots.includes(timeStr) && !lunchProtectionMap.get(timeStr)?.isBlocked && !isBlockedByDepositAdvance;
 
 			if (isAvailable) {
 				if (currentUnavailableStart !== null) {
@@ -1032,7 +1107,18 @@
 				15,
 				false
 			);
-			const validSlots = availableSlots.filter((t) => !lunchProtection.get(t)?.isBlocked);
+			const now = new SvelteDate();
+			const validSlots = availableSlots.filter((t) => {
+				if (lunchProtection.get(t)?.isBlocked) return false;
+				if (userDepositsRequired > 0) {
+					const [h, m] = t.split(':').map(Number);
+					const slotDate = date.toDate(getLocalTimeZone());
+					slotDate.setHours(h, m, 0, 0);
+					const hoursUntil = (slotDate.getTime() - now.getTime()) / (1000 * 60 * 60);
+					if (hoursUntil < POLICY.DEPOSIT_ADVANCE_HOURS) return false;
+				}
+				return true;
+			});
 			if (validSlots.length === 0) return true;
 		}
 
@@ -1334,9 +1420,18 @@
 					id: booking.id,
 					status: booking.status,
 					start_time: booking.start_time,
-					notes: booking.notes || ''
+					notes: booking.notes || '',
+					deposit_required: booking.deposit_required ?? false,
+					deposit_paid: booking.deposit_paid ?? false,
+					deposit_amount: booking.deposit_amount ?? 0,
+					amount_paid: booking.amount_paid ?? 0,
+					amount_due: booking.amount_due || getTotalPrice(),
+					payments: booking.payments ?? [],
+					total_amount: booking.total_amount || getTotalPrice(),
+					duration_minutes: booking.duration_minutes || getTotalDuration()
 				};
 				currentStep = depositRequired ? 5 : 4;
+				fetchDiscountPreview();
 				setTimeout(() => {
 					window.scrollTo({ top: 0, behavior: 'smooth' });
 				}, 50);
@@ -1397,9 +1492,14 @@
 	}
 
 	// =============== Validation ===============
-	const canProceedStep1 = $derived(selectedServices.length > 0);
-	const canProceedStep2 = $derived(!!(selectedDate && selectedTime));
+	const isBlockedByActiveBooking = $derived(
+		authStore.isAuthenticated && userDepositsRequired > 0 && hasActiveBooking
+	);
+
+	const canProceedStep1 = $derived(selectedServices.length > 0 && !isBlockedByActiveBooking);
+	const canProceedStep2 = $derived(!!(selectedDate && selectedTime) && !isBlockedByActiveBooking);
 	const canProceedStep3 = $derived(
+		!isBlockedByActiveBooking &&
 		(authStore.isAuthenticated
 			? !!(
 					authStore.currentUser?.firstName &&
@@ -1486,25 +1586,12 @@
 								</svg>
 							</div>
 							<div class="space-y-1 text-sm text-amber-900">
-								<h4 class="font-semibold text-amber-800">Booking Limit While Deposits Are Owed</h4>
-								{#if userDepositsRequired === 1}
-									<p>
-										You have <span class="font-medium">1 deposit remaining</span>. After this
-										deposit is paid, you'll be able to book in advance again with no further
-										deposits required.
-									</p>
-								{:else}
-									<p>
-										You currently owe <span class="font-medium"
-											>{userDepositsRequired} deposits</span
-										>. You can only have <span class="font-medium">1 upcoming booking</span> at a time
-										while deposits are outstanding.
-									</p>
-									<p>
-										Once your current booking is complete and paid for, you'll be able to book
-										again.
-									</p>
-								{/if}
+								<p class="font-semibold text-amber-800">One Booking at a Time</p>
+								<p>
+									We are currently asking for deposits on upcoming bookings. While this is active,
+									only one online booking can be made at a time. If you need another appointment
+									please <a href="/contact" target="_blank" class="underline font-medium">contact us</a>.
+								</p>
 							</div>
 						</div>
 					</div>
@@ -1779,9 +1866,16 @@
 						appointment reminders via email and/or SMS.
 					</p>
 					<p class="mt-2 text-xs text-gray-500">
-						<strong>Cancellation Policy:</strong> Free cancellation up to 24 hours before your appointment.
-						Cancellations within 24 hours may incur a deposit penalty.
+						<strong>Cancellation Policy:</strong> If paying early a free full refund will be given if cancelled more than 72 hours before your appointment. Between 24-72 hours, up to 50% of the booking total may be retained as a protected deposit. Cancellations within 24 hours are non-refundable and count as a no-show against your account.
 					</p>
+					<p class="mt-1 text-xs text-gray-500">
+						<PolicyPopover>
+							{#snippet trigger()}
+								<span class="underline">Read full cancellation policy →</span>
+							{/snippet}
+						</PolicyPopover>
+					</p>
+
 				</div>
 			</Card.Content>
 			<Card.Footer class="flex justify-between">
@@ -1830,176 +1924,87 @@
 					showCustomer={true}
 				/>
 
-				{#if !showPaymentForm}
-					<div class="rounded-lg border border-amber-200 bg-amber-50 p-6">
-						<h3 class="mb-2 text-lg font-semibold text-amber-800">Deposit Required</h3>
-						<p class="mb-4 text-amber-700">
-							Due to your booking being within 24 hours, a deposit is required.
-						</p>
-						<div class="flex flex-wrap gap-3">
-							<Button
-								onclick={() => {
-									showPaymentForm = true;
-								}}
-								class="bg-primary text-primary-foreground"
-							>
-								Pay Deposit Now
-							</Button>
-							<Button variant="outline" onclick={nextStep}>Pay at Appointment</Button>
-						</div>
-					</div>
-				{:else}
-					<div class="rounded-lg border border-gray-200 bg-white p-6">
-						<h3 class="mb-4 text-xl font-semibold">Pay Deposit</h3>
+				<div class="rounded-lg border border-gray-200 bg-white p-6">
+					<h3 class="mb-4 text-xl font-semibold">Pay Deposit</h3>
 
-						{#if authStore.isAuthenticated}
-							{#if paymentMethodsLoading}
-								<div class="py-4 text-center text-gray-500">Loading payment methods...</div>
-							{:else if paymentMethods.length > 0}
-								<div class="mb-6">
-									<h4 class="mb-3 text-sm font-medium text-gray-700">Saved Cards</h4>
-									<div class="space-y-3">
-										{#each paymentMethods as method (method.id)}
-											<div
-												class="flex items-center justify-between rounded-lg border border-gray-200 p-3 {selectedPaymentMethod ===
-												method.id
-													? 'border-primary bg-primary/5'
-													: ''}"
-											>
-												<div class="flex items-center gap-3">
-													<div
-														class="flex h-10 w-14 items-center justify-center rounded bg-gray-100 text-xs font-medium"
-													>
-														{method.brand}
-													</div>
-													<div class="text-sm">
-														<span class="font-mono">**** {method.last4}</span>
-														<span class="ml-2 text-gray-500">
-															{formatCardExpiry(method.expiry_month, method.expiry_year)}
-														</span>
-													</div>
-												</div>
-												<Button
-													size="sm"
-													variant={selectedPaymentMethod === method.id ? 'default' : 'outline'}
-													onclick={() => {
-														selectedPaymentMethod = method.id;
-														showNewCardForm = false;
-													}}
+					{#if authStore.isAuthenticated}
+						{#if paymentMethodsLoading}
+							<div class="py-4 text-center text-gray-500">Loading payment methods...</div>
+						{:else if paymentMethods.length > 0}
+							<div class="mb-6">
+								<h4 class="mb-3 text-sm font-medium text-gray-700">Saved Cards</h4>
+								<div class="space-y-3">
+									{#each paymentMethods as method (method.id)}
+										<div
+											class="flex items-center justify-between rounded-lg border border-gray-200 p-3 {selectedPaymentMethod ===
+											method.id
+												? 'border-primary bg-primary/5'
+												: ''}"
+										>
+											<div class="flex items-center gap-3">
+												<div
+													class="flex h-10 w-14 items-center justify-center rounded bg-gray-100 text-xs font-medium"
 												>
-													{selectedPaymentMethod === method.id ? 'Selected' : 'Use this card'}
-												</Button>
+													{method.brand}
+												</div>
+												<div class="text-sm">
+													<span class="font-mono">**** {method.last4}</span>
+													<span class="ml-2 text-gray-500">
+														{formatCardExpiry(method.expiry_month, method.expiry_year)}
+													</span>
+												</div>
 											</div>
-										{/each}
-									</div>
-								</div>
-							{/if}
-
-							{#if !showNewCardForm}
-								<Button
-									variant="outline"
-									class="mb-6"
-									onclick={() => {
-										showNewCardForm = true;
-										selectedPaymentMethod = null;
-									}}
-								>
-									+ Add new card
-								</Button>
-							{/if}
-						{/if}
-
-						{#if showNewCardForm || !authStore.isAuthenticated}
-							<div class="mb-6 rounded-lg border border-gray-100 bg-gray-50 p-4">
-								<h4 class="mb-4 text-sm font-medium text-gray-700">Card Details</h4>
-								<div class="space-y-4">
-									<div class="space-y-2">
-										<Label for="cardNumber">Card Number</Label>
-										<Input
-											id="cardNumber"
-											type="text"
-											inputmode="numeric"
-											value={newCardNumber}
-											oninput={(e) =>
-												(newCardNumber = formatDepositCardNumber(
-													(e.target as HTMLInputElement).value
-												))}
-											placeholder="1234 5678 9012 3456"
-											maxlength={19}
-										/>
-									</div>
-									<div class="grid grid-cols-2 gap-4">
-										<div class="space-y-2">
-											<Label for="cardExpiry">Expiry (MM/YY)</Label>
-											<Input
-												id="cardExpiry"
-												type="text"
-												inputmode="numeric"
-												value={newCardExpiry}
-												oninput={(e) =>
-													(newCardExpiry = formatDepositExpiry(
-														(e.target as HTMLInputElement).value
-													))}
-												placeholder="MM/YY"
-												maxlength={5}
-											/>
+											<Button
+												size="sm"
+												variant={selectedPaymentMethod === method.id ? 'default' : 'outline'}
+												onclick={() => {
+													selectedPaymentMethod = method.id;
+													showNewCardForm = false;
+												}}
+											>
+												{selectedPaymentMethod === method.id ? 'Selected' : 'Use this card'}
+											</Button>
 										</div>
-										<div class="space-y-2">
-											<Label for="cardCVC">CVC</Label>
-											<Input
-												id="cardCVC"
-												type="text"
-												inputmode="numeric"
-												bind:value={newCardCVC}
-												placeholder="123"
-												maxlength={4}
-											/>
-										</div>
-									</div>
-									{#if authStore.isAuthenticated}
-										<div class="flex items-center gap-2">
-											<Checkbox id="saveCard" bind:checked={saveCardForFuture} />
-											<Label for="saveCard" class="text-sm font-normal">
-												Save card for next time
-											</Label>
-										</div>
-									{/if}
+									{/each}
 								</div>
 							</div>
 						{/if}
 
-						<div class="flex items-center justify-between border-t pt-4">
+						{#if !showNewCardForm}
 							<Button
-								variant="ghost"
+								variant="outline"
+								class="mb-6"
 								onclick={() => {
-									showPaymentForm = false;
+									showNewCardForm = true;
 									selectedPaymentMethod = null;
-									showNewCardForm = false;
 								}}
 							>
-								Cancel
+								+ Add new card
 							</Button>
-							<Button
-								disabled={isProcessingPayment || !depositCardFormValid}
-								onclick={() => processPayment(calculateDepositAmount())}
-								class="bg-primary text-primary-foreground"
-							>
-								{isProcessingPayment ? 'Processing...' : `Pay £${calculateDepositAmount()}`}
-							</Button>
-						</div>
+						{/if}
+					{/if}
+
+					{#if showNewCardForm || !authStore.isAuthenticated}
+						<CardInput
+							bind:cardNumber={newCardNumber}
+							bind:cardExpiry={newCardExpiry}
+							bind:cardCVC={newCardCVC}
+							disabled={isProcessingPayment}
+						/>
+					{/if}
+
+					<div class="flex items-center justify-between border-t pt-4">
+						<Button variant="ghost" onclick={prevStep}>Back</Button>
+						<Button
+							disabled={isProcessingPayment || !depositCardFormValid}
+							onclick={() => processPayment(calculateDepositAmount())}
+							class="bg-primary text-primary-foreground"
+						>
+							{isProcessingPayment ? 'Processing...' : `Pay Deposit £${calculateDepositAmount()}`}
+						</Button>
 					</div>
-				{/if}
+				</div>
 			</Card.Content>
-			<Card.Footer class="flex justify-between">
-				<Button variant="outline" onclick={prevStep}>Back</Button>
-				<Button
-					disabled={isSubmitting}
-					onclick={nextStep}
-					class="bg-primary text-primary-foreground"
-				>
-					{isSubmitting ? 'Processing...' : 'Continue'}
-				</Button>
-			</Card.Footer>
 		</Card.Root>
 	{/if}
 
@@ -2021,35 +2026,52 @@
 			})}
 
 			<Card.Root class="border-emerald-200">
-				<Card.Header class="text-center">
-					<div
-						class="mx-auto mb-4 flex h-16 w-16 items-center justify-center rounded-full {isRequested
-							? 'bg-amber-100'
-							: 'bg-emerald-100'}"
-					>
-						<svg
-							xmlns="http://www.w3.org/2000/svg"
-							class="h-8 w-8 {isRequested ? 'text-amber-600' : 'text-emerald-600'}"
-							viewBox="0 0 20 20"
-							fill="currentColor"
+				{#if isProcessingPayment && paymentAttempted}
+					<Card.Header class="text-center">
+						<div
+							class="mx-auto mb-4 flex h-16 w-16 items-center justify-center rounded-full bg-amber-100"
 						>
-							<path
-								fill-rule="evenodd"
-								d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z"
-								clip-rule="evenodd"
-							/>
-						</svg>
-					</div>
-					<Card.Title class="text-2xl font-bold"
-						>{isRequested ? 'Booking Requested' : 'Booking Confirmed'}</Card.Title
-					>
-					<Card.Description class="mt-2 text-base">
-						{isRequested
-							? "Your booking has been submitted and is awaiting approval. We'll notify you once it's confirmed."
-							: 'Your appointment has been booked successfully.'}
-					</Card.Description>
-				</Card.Header>
+							<div
+								class="h-8 w-8 animate-spin rounded-full border-4 border-gray-200 border-t-amber-600"
+							></div>
+						</div>
+						<Card.Title class="text-2xl font-bold">Processing Payment</Card.Title>
+						<Card.Description class="mt-2 text-base">
+							Your booking is confirmed. We're processing your payment — this should only take a moment.
+						</Card.Description>
+					</Card.Header>
+				{:else}
+					<Card.Header class="text-center">
+						<div
+							class="mx-auto mb-4 flex h-16 w-16 items-center justify-center rounded-full {isRequested
+								? 'bg-amber-100'
+								: 'bg-emerald-100'}"
+						>
+							<svg
+								xmlns="http://www.w3.org/2000/svg"
+								class="h-8 w-8 {isRequested ? 'text-amber-600' : 'text-emerald-600'}"
+								viewBox="0 0 20 20"
+								fill="currentColor"
+							>
+								<path
+									fill-rule="evenodd"
+									d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z"
+									clip-rule="evenodd"
+								/>
+							</svg>
+						</div>
+						<Card.Title class="text-2xl font-bold"
+							>{isRequested ? 'Booking Requested' : 'Booking Confirmed'}</Card.Title
+						>
+						<Card.Description class="mt-2 text-base">
+							{isRequested
+								? "Your booking has been submitted and is awaiting approval. We'll notify you once it's confirmed."
+								: 'Your appointment has been booked successfully.'}
+						</Card.Description>
+					</Card.Header>
+				{/if}
 				<Card.Content class="space-y-6">
+					{#if !(isProcessingPayment && paymentAttempted)}
 					<div class="rounded-lg border border-gray-200 bg-gray-50 p-6">
 						<div class="mb-4 flex items-center justify-between">
 							<span class="text-sm font-medium text-gray-500">Confirmation Number</span>
@@ -2095,10 +2117,23 @@
 								</div>
 							{/each}
 							<div class="border-t pt-2">
-								<div class="flex justify-between font-semibold">
-									<span>Total (estimated)</span>
-									<span>£{getTotalPrice()}</span>
-								</div>
+								{#if discountPreview?.eligible}
+									{#each discountPreview.discounts as d}
+										<div class="flex justify-between text-sm text-gray-600">
+											<span>{d.name}</span>
+											<span>-£{d.amount.toFixed(2)}</span>
+										</div>
+									{/each}
+									<div class="flex justify-between font-semibold text-emerald-700">
+										<span>Estimated Total After Discount</span>
+										<span>£{discountPreview.discounted_total.toFixed(2)}</span>
+									</div>
+								{:else}
+									<div class="flex justify-between font-semibold">
+										<span>Total (estimated)</span>
+										<span>£{getTotalPrice()}</span>
+									</div>
+								{/if}
 							</div>
 						</div>
 					</div>
@@ -2114,20 +2149,50 @@
 						</div>
 					{/if}
 
-					{#if !calculateDepositRequired() && authStore.isAuthenticated && authStore.currentUser?.role !== 'admin' && authStore.currentUser?.role !== 'guest'}
-						<div class="rounded-lg border border-gray-200 bg-gray-50 p-6 text-center">
-							<h3 class="mb-2 text-lg font-semibold">Pay on the Day</h3>
-							<p class="mb-4 text-gray-600">
-								You can pay when you arrive, or pay ahead of time to speed things up.
-							</p>
-							<Button
-								onclick={() => (showPayEarlyModal = true)}
-								class="bg-emerald-600 text-white hover:bg-emerald-700"
-							>
-								Pay Early
-							</Button>
-						</div>
+					{#if authStore.isAuthenticated && authStore.currentUser?.role !== 'admin' && authStore.currentUser?.role !== 'guest'}
+						{#if depositPaid}
+							<div class="rounded-lg border border-emerald-200 bg-emerald-50 p-6 text-center">
+								<div class="mb-2 inline-flex h-10 w-10 items-center justify-center rounded-full bg-emerald-100">
+									<svg class="h-5 w-5 text-emerald-600" viewBox="0 0 20 20" fill="currentColor"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"/></svg>
+								</div>
+								<h3 class="text-lg font-semibold text-emerald-800">Deposit Paid</h3>
+								<p class="mt-1 text-emerald-700">
+									Your deposit of <strong>£{calculateDepositAmount().toFixed(2)}</strong> has been paid
+									successfully. See you at your appointment!
+								</p>
+							</div>
+						{:else if depositRequired}
+							<div class="rounded-lg border border-amber-200 bg-amber-50 p-6 text-center">
+								<h3 class="mb-2 text-lg font-semibold text-amber-800">Deposit Not Paid</h3>
+								<p class="mb-4 text-amber-700">
+									Your booking is confirmed but the deposit of <strong>£{calculateDepositAmount().toFixed(2)}</strong>
+									was not paid. If the deposit remains unpaid within 24 hours of your appointment,
+									the slot may be released and the booking could be cancelled or rebooked by someone else.
+								</p>
+								<p class="mb-4 text-xs text-amber-600">
+									<PolicyPopover>
+									{#snippet trigger()}
+										<span class="underline">Read our cancellation policy →</span>
+									{/snippet}
+								</PolicyPopover>
+								</p>
+								<Button onclick={() => (showPayEarlyModal = true)} class="bg-amber-600 text-white hover:bg-amber-700">
+									Pay Deposit Now
+								</Button>
+							</div>
+						{:else}
+							<div class="rounded-lg border border-gray-200 bg-gray-50 p-6 text-center">
+								<h3 class="mb-2 text-lg font-semibold">Pay on the Day</h3>
+								<p class="mb-4 text-gray-600">
+									You can pay when you arrive, or pay ahead of time to speed things up.
+								</p>
+								<Button onclick={() => (showPayEarlyModal = true)} class="bg-emerald-600 text-white hover:bg-emerald-700">
+									Pay Early
+								</Button>
+							</div>
+						{/if}
 					{/if}
+				{/if}
 				</Card.Content>
 				<Card.Footer class="flex justify-center">
 					<Button
@@ -2153,27 +2218,27 @@
 	{/if}
 
 	{#if showPayEarlyModal && confirmedBooking}
-		{@const booking = confirmedBooking}
+		{@const bk = confirmedBooking}
 		<UserPaymentModal
 			booking={{
-				id: booking.id,
-				status: booking.status as BookingStatus,
-				start_time: booking.start_time,
-				notes: booking.notes,
+				id: bk.id,
+				status: bk.status as BookingStatus,
+				start_time: bk.start_time,
+				notes: bk.notes,
 				services: selectedServices.map((s) => ({
-					booking_id: booking.id,
+					booking_id: bk.id,
 					service_id: s.id,
 					service_name: s.name,
 					price: s.price,
 					duration_minutes: s.duration_minutes
 				})) as BookingService[],
-				total_amount: getTotalPrice(),
-				amount_paid: 0,
-				amount_due: getTotalPrice(),
-				deposit_required: false,
-				deposit_paid: true,
-				payments: [],
-				duration_minutes: getTotalDuration(),
+				total_amount: bk.total_amount,
+				amount_paid: bk.amount_paid,
+				amount_due: bk.amount_due,
+				deposit_required: bk.deposit_required,
+				deposit_paid: bk.deposit_paid,
+				payments: bk.payments,
+				duration_minutes: bk.duration_minutes,
 				created_at: new SvelteDate().toISOString(),
 				updated_at: new SvelteDate().toISOString()
 			}}
@@ -2181,8 +2246,7 @@
 			onComplete={() => {
 				showPayEarlyModal = false;
 			}}
-			canSaveCards={authStore.currentUser?.role === 'verified_email' ||
-				authStore.currentUser?.role === 'affiliate'}
+			canSaveCards={authStore.isAuthenticated}
 		/>
 	{/if}
 </div>