> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Final Step to Close Deal

> Jane accepts a settlement offer but has not added a payment method yet.

## Real-World Example

Jane accepts a settlement offer but has not added a payment method yet. The account should appear under Final Step to Close Deal so she knows the offer is not complete until payment setup is finished.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer accepts creditor terms"] --> B["Portal marks payment setup as pending"]
    B --> C["Account appears in Final Step to Close Deal"]
    C --> D["Consumer adds or selects payment method"]
    D --> E["Portal completes setup and schedules payment"]
    classDef default fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef actor fill:#E0F2FE,stroke:#0284C7,stroke-width:2px,color:#0C4A6E;
    classDef system fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef decision fill:#FEF3C7,stroke:#D97706,stroke-width:2px,color:#78350F;
    classDef risk fill:#FEE2E2,stroke:#DC2626,stroke-width:2px,color:#7F1D1D;
    classDef outcome fill:#DCFCE7,stroke:#16A34A,stroke-width:2px,color:#14532D;
    class A,D actor;
    class B,C,E system;
    class E outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should focus the consumer on finishing payment setup after accepting terms.
* It should keep accepted-offer terms visible so the consumer understands what they are funding.
* It should move the account out of this tab once valid payment setup is complete.

## How It Should Not Work

* It should not treat an accepted offer as fully scheduled until payment details are valid.
* It should not lose the accepted terms while the consumer is completing payment setup.
* It should not allow payment setup if the offer is expired, removed, or no longer valid.

## Developer Notes

* This tab maps to approved\_but\_payment\_pending.
* Payment setup can rely on saved wallet methods or a newly entered method depending on the merchant configuration.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/Payment.php`
* `app/Livewire/Consumer/Forms/PaymentForm.php`
* `app/Services/Consumer/PaymentSetupCompletionService.php`