YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING param added

.env.example

@@ -44,6 +44,7 @@ YOOKASSA_RETURN_URL=https://t.me/your_bot                                     #
 YOOKASSA_DEFAULT_RECEIPT_EMAIL=your_email@example.com                         # Default email for sending receipts
 YOOKASSA_VAT_CODE=1                                                           # VAT code
 YOOKASSA_AUTOPAYMENTS_ENABLED=False                                           # Auto-renew toggle
+YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING=True                               # Force automatic card binding when autopay is enabled (set to False to show the save-card checkbox)
 
 # FreeKassa Payment Gateway Configuration
 FREEKASSA_MERCHANT_ID=your_shop_id                                            # Your shop ID in FreeKassa

README.md

@@ -83,6 +83,8 @@
     | `YOOKASSA_ENABLED` | Включить/выключить YooKassa (`true`/`false`). |
     | `YOOKASSA_SHOP_ID` | ID вашего магазина в YooKassa. |
     | `YOOKASSA_SECRET_KEY`| Секретный ключ магазина YooKassa. |
+    | `YOOKASSA_AUTOPAYMENTS_ENABLED` | Включить автопродление (сохранение карт, автосписания, управление способами оплаты). |
+    | `YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING` | Требовать обязательную привязку карты при оплате с автосписанием. Установите `false`, чтобы пользователю показывался чекбокс «Сохранить карту». |
     | `CRYPTOPAY_ENABLED` | Включить/выключить CryptoPay (`true`/`false`). |
     | `CRYPTOPAY_TOKEN` | Токен из вашего CryptoPay App. |
     | `FREEKASSA_ENABLED` | Включить/выключить FreeKassa (`true`/`false`). |

bot/handlers/user/subscription/payments.py

@@ -408,6 +408,9 @@ async def pay_yk_callback_handler(callback: types.CallbackQuery, settings: Setti
     user_id = callback.from_user.id
     currency_code_for_yk = "RUB"
     autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
+    autopay_require_binding = bool(
+        getattr(settings, 'YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING', True)
+    )
     saved_methods: List = []
     if autopay_enabled:
         try:
@@ -463,7 +466,7 @@ async def pay_yk_callback_handler(callback: types.CallbackQuery, settings: Setti
         months=months,
         price_rub=price_rub,
         currency_code_for_yk=currency_code_for_yk,
-        save_payment_method=autopay_enabled,
+        save_payment_method=autopay_enabled and autopay_require_binding,
         back_callback=f"subscribe_period:{months}",
     )
     try:
@@ -520,6 +523,9 @@ async def pay_yk_new_card_handler(callback: types.CallbackQuery, settings: Setti
     user_id = callback.from_user.id
     currency_code_for_yk = "RUB"
     autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
+    autopay_require_binding = bool(
+        getattr(settings, 'YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING', True)
+    )
 
     await _initiate_yk_payment(
         callback,
@@ -533,7 +539,7 @@ async def pay_yk_new_card_handler(callback: types.CallbackQuery, settings: Setti
         months=months,
         price_rub=price_rub,
         currency_code_for_yk=currency_code_for_yk,
-        save_payment_method=autopay_enabled,
+        save_payment_method=autopay_enabled and autopay_require_binding,
         back_callback=f"subscribe_period:{months}",
     )
     try:

config/settings.py

@@ -41,6 +41,10 @@ class Settings(BaseSettings):
     YOOKASSA_PAYMENT_SUBJECT: str = Field(default="service")
     # Single toggle to enable recurring payments (saving cards, managing payment methods, auto-renew)
     YOOKASSA_AUTOPAYMENTS_ENABLED: bool = Field(default=False)
+    YOOKASSA_AUTOPAYMENTS_REQUIRE_CARD_BINDING: bool = Field(
+        default=True,
+        description="When true, new YooKassa payments in autopay mode force card binding without a user checkbox."
+    )
 
     WEBHOOK_BASE_URL: Optional[str] = None