diff --git a/app/Domains/Event/Actions/SignUp/SignUpCommand.php b/app/Domains/Event/Actions/SignUp/SignUpCommand.php
index 48667a4..f4ad093 100644
--- a/app/Domains/Event/Actions/SignUp/SignUpCommand.php
+++ b/app/Domains/Event/Actions/SignUp/SignUpCommand.php
@@ -4,6 +4,7 @@ namespace App\Domains\Event\Actions\SignUp;
 
 use App\Enumerations\EatingHabit;
 use App\Enumerations\EfzStatus;
+use App\EventPaymentModules\EventPaymentModuleRegistry;
 use App\ValueObjects\Age;
 use Illuminate\Support\Str;
 
@@ -14,6 +15,18 @@ class SignUpCommand {
     public function execute() : SignUpResponse {
         $response = new SignUpResponse();
 
+        // Teilnehmer-Eingaben der gewählten Zahlungsart gegen das Modul-Schema absichern.
+        $module = $this->request->paymentMethod !== null
+            ? EventPaymentModuleRegistry::forSlug($this->request->paymentMethod)
+            : null;
+        $paymentOptions = $module?->sanitizeParticipantOptions($this->request->paymentOptions) ?? [];
+
+        if ($module !== null && !$module->participantOptionsComplete($paymentOptions)) {
+            $response->success = false;
+            $response->message = 'Bitte alle erforderlichen Zahlungsangaben ausfüllen.';
+            return $response;
+        }
+
         $eatingHabit = match ($this->request->eating_habit) {
             'vegan' => EatingHabit::EATING_HABIT_VEGAN,
             'vegetarian' => EatingHabit::EATING_HABIT_VEGETARIAN,
@@ -62,6 +75,7 @@ class SignUpCommand {
                 'amount' => $this->request->amount,
                 'payment_purpose' => $this->request->event->name . ' - Beitrag ' . $this->request->firstname . ' ' . $this->request->lastname,
                 'payment_method' => $this->request->paymentMethod,
+                'payment_options' => $paymentOptions,
                 'efz_status' => $participantAge->isfullAged() ? EfzStatus::EFZ_STATUS_NOT_CHECKED : EfzStatus::EFZ_STATUS_NOT_REQUIRED,
             ]
         );
diff --git a/app/Domains/Event/Actions/SignUp/SignUpRequest.php b/app/Domains/Event/Actions/SignUp/SignUpRequest.php
index fc6d648..c64979b 100644
--- a/app/Domains/Event/Actions/SignUp/SignUpRequest.php
+++ b/app/Domains/Event/Actions/SignUp/SignUpRequest.php
@@ -2,7 +2,6 @@
 
 namespace App\Domains\Event\Actions\SignUp;
 
-use App\Enumerations\ParticipationType;
 use App\Models\Event;
 use App\Models\Tenant;
 use App\ValueObjects\Amount;
@@ -46,6 +45,7 @@ class SignUpRequest {
         public ?string $notes,
         public Amount $amount,
         public ?string $paymentMethod,
+        public array $paymentOptions = [],
     ) {
     }
 }
diff --git a/app/Domains/Event/Actions/SignUp/SignUpResponse.php b/app/Domains/Event/Actions/SignUp/SignUpResponse.php
index cc5e94a..2fa875f 100644
--- a/app/Domains/Event/Actions/SignUp/SignUpResponse.php
+++ b/app/Domains/Event/Actions/SignUp/SignUpResponse.php
@@ -7,6 +7,7 @@ use App\Models\EventParticipant;
 class SignUpResponse {
     public bool $success;
     public ?EventParticipant $participant;
+    public ?string $message = null;
 
     public function __construct() {
         $this->success = false;
diff --git a/app/Domains/Event/Controllers/SignupController.php b/app/Domains/Event/Controllers/SignupController.php
index 01f82d1..643d0d6 100644
--- a/app/Domains/Event/Controllers/SignupController.php
+++ b/app/Domains/Event/Controllers/SignupController.php
@@ -26,10 +26,8 @@ class SignupController extends CommonController {
 
         $eventModel = $this->events->getByIdentifier($eventId, false);
         $event = $eventModel?->toResource()->toArray($request);
-        // Aktuell ist genau eine aktive Zahlungsmethode je Event vorgesehen; wird bereits beim Start
-        // der Anmeldung ermittelt und ans Frontend durchgereicht, statt erst bei der Erstellung des
-        // Teilnehmenden (siehe SignUpCommand).
-        $paymentMethod = $eventModel?->paymentMethods()->where('active', true)->first();
+        // Die (aktiven) Zahlungsmethoden stehen dem Frontend über $event['paymentMethods'] zur Verfügung;
+        // die Auswahl trifft der/die Teilnehmer\*in im Anmeldeschritt "Zahlungsart".
 
         $participantData = [
             'firstname' => '',
@@ -67,7 +65,6 @@ class SignupController extends CommonController {
             'availableEvents' => $availableEvents,
             'localGroups' => $event['contributingLocalGroups'],
             'participantData' => $participantData,
-            'paymentMethod' => $paymentMethod?->slug,
         ]);
         return $inertiaProvider->render();
     }
@@ -144,11 +141,16 @@ class SignupController extends CommonController {
             $registrationData['anmerkungen'],
             $amount,
             $registrationData['paymentMethod'] ?? null,
+            (array)($registrationData['paymentOptions'] ?? []),
         );
 
         $signupCommand = new SignUpCommand($signupRequest);
         $signupResponse = $signupCommand->execute();
 
+        if (!$signupResponse->success) {
+            return response()->json(['status' => 'error', 'message' => $signupResponse->message], 422);
+        }
+
         // 4. Addons registrieren
 
 
@@ -182,14 +184,18 @@ class SignupController extends CommonController {
 
         $siblingReduction = $request->input('sibling') === 'true';
 
-        return response()->json(['amount' =>
-            $event->calculateAmount(
-                $request->input('participationType'),
-                $request->input('beitrag'),
-                \DateTime::createFromFormat('Y-m-d', $request->input('arrival')),
-                \DateTime::createFromFormat('Y-m-d', $request->input('departure')),
-                $siblingReduction
-            )->toString()
+        $amount = $event->calculateAmount(
+            $request->input('participationType'),
+            $request->input('beitrag'),
+            \DateTime::createFromFormat('Y-m-d', $request->input('arrival')),
+            \DateTime::createFromFormat('Y-m-d', $request->input('departure')),
+            $siblingReduction
+        );
+
+        // amountValue (numerisch) steuert im Frontend das Überspringen des Zahlungsart-Schritts bei 0 €.
+        return response()->json([
+            'amount' => $amount->toString(),
+            'amountValue' => $amount->getAmount(),
         ]);
     }
 }
diff --git a/app/Domains/Event/Views/Partials/CommonSettings.vue b/app/Domains/Event/Views/Partials/CommonSettings.vue
index c5ac008..78e7aec 100644
--- a/app/Domains/Event/Views/Partials/CommonSettings.vue
+++ b/app/Domains/Event/Views/Partials/CommonSettings.vue
@@ -73,9 +73,6 @@ const emit = defineEmits(['close'])
         if (paymentMethods.value.length === 0) {
             toast.error('Mindestens eine Zahlungsmöglichkeit muss ausgewählt sein.')
             return
-        } else if(paymentMethods.value.length > 1) {
-            toast.error('Aktuell wird nur exakt eine Zahlungseinstellung unterstützt.')
-            return
         }
 
         const response = await request('/api/v1/event/details/' + props.event.id + '/common-settings', {
diff --git a/app/Domains/Event/Views/Partials/SignUpForm/SignupForm.vue b/app/Domains/Event/Views/Partials/SignUpForm/SignupForm.vue
index af4b0f3..3d5e9ab 100644
--- a/app/Domains/Event/Views/Partials/SignUpForm/SignupForm.vue
+++ b/app/Domains/Event/Views/Partials/SignUpForm/SignupForm.vue
@@ -1,5 +1,5 @@
 <script setup>
-import { useSignupForm } from './composables/useSignupForm.js'
+import {useSignupForm} from './composables/useSignupForm.js'
 import StepAge from './steps/StepAge.vue'
 import StepContactPerson from './steps/StepContactPerson.vue'
 import StepPersonalData from './steps/StepPersonalData.vue'
@@ -8,6 +8,7 @@ import StepArrival from './steps/StepArrival.vue'
 import StepAddons from './steps/StepAddons.vue'
 import StepPhotoPermissions from './steps/StepPhotoPermissions.vue'
 import StepAllergies from './steps/StepAllergies.vue'
+import StepPaymentMethod from './steps/StepPaymentMethod.vue'
 import StepSummary from './steps/StepSummary.vue'
 import SubmitSuccess from './after-submit/SubmitSuccess.vue'
 import SubmitAlreadyExists from './after-submit/SubmitAlreadyExists.vue'
@@ -16,15 +17,14 @@ const props = defineProps({
     event: Object,
     participantData: Object,
     localGroups: Array,
-    paymentMethod: String,
 })
 
 const emit = defineEmits(['registrationDone'])
 
 const {
     currentStep, goToStep, formData, selectedAddons,
-    submit, submitting, submitResult, summaryLoading, summaryAmount
-} = useSignupForm(props.event, props.participantData, props.paymentMethod)
+    submit, submitting, submitResult, summaryLoading, summaryAmount, summaryAmountValue
+} = useSignupForm(props.event, props.participantData)
 
 const steps = [
     { step: 1, label: 'Alter' },
@@ -35,7 +35,8 @@ const steps = [
     { step: 6, label: 'Zusatzoptionen' },
     { step: 7, label: 'Fotoerlaubnis' },
     { step: 8, label: 'Allergien' },
-    { step: 9, label: 'Zusammenfassung' },
+    {step: 9, label: 'Zahlungsart'},
+    {step: 10, label: 'Zusammenfassung'},
 ]
 </script>
 
@@ -94,11 +95,14 @@ const steps = [
                 <StepAddons         v-if="currentStep === 6" :formData="formData" :event="event" :selectedAddons="selectedAddons" @next="goToStep" @back="goToStep" />
                 <StepPhotoPermissions v-if="currentStep === 7" :formData="formData" :event="event" @next="goToStep" @back="goToStep" />
                 <StepAllergies      v-if="currentStep === 8" :formData="formData" :event="event" @next="goToStep" @back="goToStep" />
+                <StepPaymentMethod v-if="currentStep === 9" :formData="formData" :event="event" @next="goToStep"
+                                   @back="goToStep"/>
                 <StepSummary
-                    v-if="currentStep === 9"
+                    v-if="currentStep === 10"
                     :formData="formData"
                     :event="event"
                     :summaryAmount="summaryAmount"
+                    :summaryAmountValue="summaryAmountValue"
                     :summaryLoading="summaryLoading"
                     :submitting="submitting"
                     @back="goToStep"
diff --git a/app/Domains/Event/Views/Partials/SignUpForm/components/PaymentMethodInputs.vue b/app/Domains/Event/Views/Partials/SignUpForm/components/PaymentMethodInputs.vue
new file mode 100644
index 0000000..506bb41
--- /dev/null
+++ b/app/Domains/Event/Views/Partials/SignUpForm/components/PaymentMethodInputs.vue
@@ -0,0 +1,47 @@
+<script setup>
+import TextEditor from "../../../../../../Views/Components/TextEditor.vue";
+
+// Generische, schema-getriebene Eingabefelder eines Zahlungsmoduls. Wiederverwendbar für künftige
+// Verfahren (SEPA, PayPal): das jeweilige Modul liefert das Schema, hier wird nur gerendert.
+const props = defineProps({
+    // [{ name, label, type, required }] -- z.B. aus participantOptionsSchema einer Zahlungsmethode.
+    schema: {type: Array, default: () => []},
+    // v-model: Objekt { optionName: value }
+    modelValue: {type: Object, default: () => ({})},
+})
+const emit = defineEmits(['update:modelValue'])
+
+function setValue(name, value) {
+    emit('update:modelValue', {...props.modelValue, [name]: value})
+}
+</script>
+
+<template>
+    <table class="form-table">
+        <tr v-for="option in schema" :key="option.name">
+            <td>
+                {{ option.label }}<span v-if="option.required" class="required-marker">*</span>:
+            </td>
+            <td>
+                <TextEditor
+                    v-if="option.type === 'richtext'"
+                    :modelValue="modelValue[option.name] ?? ''"
+                    @update:modelValue="value => setValue(option.name, value)"
+                />
+                <input
+                    v-else
+                    type="text"
+                    :value="modelValue[option.name] ?? ''"
+                    @input="event => setValue(option.name, event.target.value)"
+                />
+            </td>
+        </tr>
+    </table>
+</template>
+
+<style scoped>
+.required-marker {
+    color: #ef4444;
+    margin-left: 2px;
+}
+</style>
diff --git a/app/Domains/Event/Views/Partials/SignUpForm/composables/useSignupForm.js b/app/Domains/Event/Views/Partials/SignUpForm/composables/useSignupForm.js
index 3f7cd32..5485f66 100644
--- a/app/Domains/Event/Views/Partials/SignUpForm/composables/useSignupForm.js
+++ b/app/Domains/Event/Views/Partials/SignUpForm/composables/useSignupForm.js
@@ -1,7 +1,7 @@
-import { ref, reactive, computed } from 'vue'
+import {reactive, ref} from 'vue'
 import axios from 'axios'
 
-export function useSignupForm(event, participantData, paymentMethod) {
+export function useSignupForm(event, participantData) {
     const currentStep = ref(1)
     const submitting = ref(false)
     const summaryLoading = ref(false)
@@ -9,9 +9,13 @@ export function useSignupForm(event, participantData, paymentMethod) {
 
     const selectedAddons = reactive({})
 
+    // Für die Aktion freigeschaltete Zahlungsmethoden; ist genau eine aktiv, wird sie vorausgewählt.
+    const activeMethods = (event.paymentMethods ?? []).filter(m => m.active)
+
     const formData = reactive({
         eatingHabit: 'EATING_HABIT_VEGAN',
-        paymentMethod: paymentMethod ?? null,
+        paymentMethod: activeMethods.length === 1 ? activeMethods[0].slug : null,
+        paymentOptions: {},
         userId: participantData.id,
         eventId: event.id,
         vorname: participantData.firstname ?? '',
@@ -52,33 +56,52 @@ export function useSignupForm(event, participantData, paymentMethod) {
     })
 
     const summaryAmount = ref('')
+    const summaryAmountValue = ref(0)
+
+    const fetchAmount = async () => {
+        summaryLoading.value = true
+        try {
+            const res = await axios.post('/api/v1/event/' + event.id + '/calculate-amount', {
+                arrival: formData.arrival,
+                departure: formData.departure,
+                event_id: event.id,
+                participation_group: formData.participant_group,
+                selected_amount: formData.beitrag,
+                addons: selectedAddons,
+                participationType: formData.participationType,
+                beitrag: formData.beitrag,
+                sibling: formData.sibling,
+            })
+            summaryAmount.value = res.data.amount
+            summaryAmountValue.value = Number(res.data.amountValue ?? 0)
+        } finally {
+            summaryLoading.value = false
+        }
+    }
+
+    // Steps: ... 8 Allergien, 9 Zahlungsart, 10 Zusammenfassung.
+    const STEP_PAYMENT = 9
+    const STEP_SUMMARY = 10
 
     const goToStep = async (step) => {
-        if (step === 9) {
-            summaryLoading.value = true
-            summaryAmount.value = ''
-            try {
-                const res = await axios.post('/api/v1/event/' + event.id + '/calculate-amount', {
-                    arrival: formData.arrival,
-                    departure: formData.departure,
-                    event_id: event.id,
-                    participation_group: formData.participant_group,
-                    selected_amount: formData.beitrag,
-                    addons: selectedAddons,
-                    participationType: formData.participationType,
-                    beitrag: formData.beitrag,
-                    sibling: formData.sibling,
-                })
-               summaryAmount.value = res.data.amount
-            } finally {
-                summaryLoading.value = false
+        if (step === STEP_PAYMENT) {
+            // Betrag ermitteln: Bei 0 € wird die Zahlungsart-Auswahl übersprungen.
+            await fetchAmount()
+            if (summaryAmountValue.value <= 0) {
+                formData.paymentMethod = null
+                formData.paymentOptions = {}
+                currentStep.value = STEP_SUMMARY
+                return
             }
+        } else if (step === STEP_SUMMARY) {
+            await fetchAmount()
         }
         currentStep.value = step
     }
 
     const submit = async () => {
-        if (!formData.summary_information_correct || !formData.summary_accept_terms || !formData.legal_accepted || !formData.payment) {
+        // Zahlungs-Bestätigung wird im Summary-Schritt kontextabhängig erzwungen (nur bei Überweisung).
+        if (!formData.summary_information_correct || !formData.summary_accept_terms || !formData.legal_accepted) {
             return
         }
         submitting.value = true
@@ -96,5 +119,16 @@ export function useSignupForm(event, participantData, paymentMethod) {
         }
     }
 
-    return { currentStep, goToStep, formData, selectedAddons, submit, submitting, submitResult, summaryLoading, summaryAmount }
+    return {
+        currentStep,
+        goToStep,
+        formData,
+        selectedAddons,
+        submit,
+        submitting,
+        submitResult,
+        summaryLoading,
+        summaryAmount,
+        summaryAmountValue
+    }
 }
diff --git a/app/Domains/Event/Views/Partials/SignUpForm/steps/StepPaymentMethod.vue b/app/Domains/Event/Views/Partials/SignUpForm/steps/StepPaymentMethod.vue
new file mode 100644
index 0000000..dedc920
--- /dev/null
+++ b/app/Domains/Event/Views/Partials/SignUpForm/steps/StepPaymentMethod.vue
@@ -0,0 +1,223 @@
+<script setup>
+import {computed} from "vue";
+import PaymentMethodInputs from "../components/PaymentMethodInputs.vue";
+import Icon from "../../../../../../Views/Components/Icon.vue";
+
+const props = defineProps({formData: Object, event: Object})
+const emit = defineEmits(['next', 'back'])
+
+// Für die Aktion freigeschaltete Zahlungsmethoden.
+const methods = computed(() => (props.event.paymentMethods ?? []).filter(m => m.active))
+
+const selectedMethod = computed(() =>
+    methods.value.find(m => m.slug === props.formData.paymentMethod) ?? null
+)
+
+const participantSchema = computed(() => selectedMethod.value?.participantOptionsSchema ?? [])
+
+// Font-Awesome-Icon je Zahlungsart (Fallback: generische Karte).
+function iconFor(slug) {
+    if (slug === 'PAYMENT_ACCOUNT_TRANSACTION') return 'building-columns'
+    if (slug === 'PAYMENT_NOT_DEFINED') return 'money-bill-wave'
+    return 'credit-card'
+}
+
+function selectMethod(slug) {
+    props.formData.paymentMethod = slug
+    // Eingaben zurücksetzen -- pro Methode eigene Felder.
+    props.formData.paymentOptions = {}
+}
+
+// "Weiter" ist erst möglich, wenn eine Methode gewählt und alle Pflicht-Eingaben befüllt sind.
+const canProceed = computed(() => {
+    if (!props.formData.paymentMethod) return false
+    return participantSchema.value
+        .filter(o => o.required)
+        .every(o => {
+            const value = props.formData.paymentOptions[o.name]
+            return value !== undefined && value !== null && String(value).trim() !== ''
+        })
+})
+</script>
+
+<template>
+    <div>
+        <h3 style="margin: 0 0 6px 0; color: #111827;">Zahlungsweise</h3>
+        <p style="margin: 0 0 24px 0; color: #6b7280; font-size: 0.95rem;">Bitte wähle, wie du deinen Teilnahmebeitrag
+            begleichen möchtest.</p>
+
+        <div class="pay-card-row">
+            <div
+                v-for="method in methods"
+                :key="method.slug"
+                class="pay-card"
+                :class="{ 'pay-card--active': formData.paymentMethod === method.slug }"
+                role="radio"
+                :aria-checked="formData.paymentMethod === method.slug"
+                tabindex="0"
+                @click="selectMethod(method.slug)"
+                @keydown.enter.prevent="selectMethod(method.slug)"
+                @keydown.space.prevent="selectMethod(method.slug)"
+            >
+                <div class="pay-card__badge">
+                    <Icon :name="iconFor(method.slug)"/>
+                </div>
+                <div class="pay-card__body">
+                    <h4 class="pay-card__title">{{ method.name }}</h4>
+                    <p v-if="method.description" class="pay-card__desc">{{ method.description }}</p>
+                </div>
+                <div class="pay-card__check" aria-hidden="true">✓</div>
+            </div>
+        </div>
+
+        <div v-if="participantSchema.length > 0" class="pay-inputs">
+            <PaymentMethodInputs :schema="participantSchema" v-model="formData.paymentOptions"/>
+        </div>
+
+        <div class="btn-row">
+            <button type="button" class="btn-secondary" @click="emit('back', 8)">← Zurück</button>
+            <button type="button" class="btn-primary" :disabled="!canProceed" @click="emit('next', 10)">Weiter →
+            </button>
+        </div>
+    </div>
+</template>
+
+<style scoped>
+.pay-card-row {
+    display: flex;
+    gap: 20px;
+    flex-wrap: wrap;
+}
+
+.pay-card {
+    position: relative;
+    flex: 1 1 280px;
+    min-width: 0;
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    background: #f8fafc;
+    border: 2px solid #e5e7eb;
+    border-radius: 12px;
+    padding: 28px 20px;
+    cursor: pointer;
+    transition: border-color 0.15s, box-shadow 0.15s, transform 0.1s;
+    text-align: center;
+}
+
+.pay-card:hover {
+    border-color: #2563eb;
+    box-shadow: 0 4px 16px rgba(37, 99, 235, 0.12);
+    transform: translateY(-2px);
+}
+
+.pay-card--active {
+    border-color: #2563eb;
+    background: #eff6ff;
+    box-shadow: 0 4px 16px rgba(37, 99, 235, 0.12);
+}
+
+.pay-card__badge {
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    width: 64px;
+    height: 64px;
+    margin-bottom: 14px;
+    font-size: 1.6rem;
+    color: #2563eb;
+    background: #e0f2fe;
+    border-radius: 50%;
+}
+
+.pay-card--active .pay-card__badge {
+    background: #dbeafe;
+}
+
+.pay-card__body {
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    gap: 6px;
+}
+
+.pay-card__title {
+    margin: 0;
+    font-size: 1.1rem;
+    font-weight: 700;
+    color: #111827;
+}
+
+.pay-card__desc {
+    margin: 0;
+    font-size: 0.9rem;
+    color: #374151;
+}
+
+.pay-card__check {
+    position: absolute;
+    top: 12px;
+    right: 12px;
+    width: 24px;
+    height: 24px;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    border-radius: 50%;
+    background: #2563eb;
+    color: #fff;
+    font-size: 0.8rem;
+    font-weight: 700;
+    opacity: 0;
+    transform: scale(0.6);
+    transition: opacity 0.12s, transform 0.12s;
+}
+
+.pay-card--active .pay-card__check {
+    opacity: 1;
+    transform: scale(1);
+}
+
+.pay-inputs {
+    margin-top: 20px;
+    padding: 16px;
+    background: #f8fafc;
+    border: 1px solid #e5e7eb;
+    border-radius: 10px;
+}
+
+/* ─── Smartphone ─── */
+@media (max-width: 639px) {
+    .pay-card-row {
+        flex-direction: column;
+        gap: 12px;
+    }
+
+    .pay-card {
+        flex: 1 1 100%;
+        flex-direction: row;
+        text-align: left;
+        align-items: center;
+        gap: 14px;
+        padding: 16px 14px;
+    }
+
+    .pay-card__badge {
+        flex: 0 0 52px;
+        width: 52px;
+        height: 52px;
+        margin-bottom: 0;
+        font-size: 1.6rem;
+    }
+
+    .pay-card__body {
+        flex: 1;
+        align-items: flex-start;
+        text-align: left;
+    }
+
+    .pay-card__title {
+        font-size: 1rem;
+    }
+}
+</style>
diff --git a/app/Domains/Event/Views/Partials/SignUpForm/steps/StepSummary.vue b/app/Domains/Event/Views/Partials/SignUpForm/steps/StepSummary.vue
index a7da2a2..89eeb5f 100644
--- a/app/Domains/Event/Views/Partials/SignUpForm/steps/StepSummary.vue
+++ b/app/Domains/Event/Views/Partials/SignUpForm/steps/StepSummary.vue
@@ -1,15 +1,48 @@
 <script setup>
+import {computed} from "vue";
 import {format, parseISO} from "date-fns";
 
+const PAYMENT_ACCOUNT_TRANSACTION = 'PAYMENT_ACCOUNT_TRANSACTION'
+
 const props = defineProps({
     formData: Object,
     event: Object,
     summaryAmount: String,
+    summaryAmountValue: {type: Number, default: 0},
     summaryLoading: Boolean,
     submitting: Boolean,
 })
 const emit = defineEmits(['back', 'submit'])
 
+const selectedMethod = computed(() =>
+    (props.event.paymentMethods ?? []).find(m => m.slug === props.formData.paymentMethod) ?? null
+)
+
+// Die Überweisungs-Bestätigung wird nur bei Banküberweisung verlangt (AC #6).
+const requiresPaymentConfirmation = computed(() =>
+    props.formData.paymentMethod === PAYMENT_ACCOUNT_TRANSACTION
+)
+
+// Bestätigungstext ist ein admin-konfigurierbarer Freitext ({amount}-Platzhalter), sonst Default.
+const paymentConfirmationText = computed(() => {
+    const configured = selectedMethod.value?.configuration?.summary_confirmation_text
+    const template = (configured && String(configured).trim() !== '')
+        ? configured
+        : 'Ich bestätige, den Betrag von {amount} zu überweisen.'
+    return template.replaceAll('{amount}', props.summaryAmount ?? '')
+})
+
+// Zurück führt zur Zahlungsart (9), sofern dieser Schritt gezeigt wurde; bei 0 € direkt zu Allergien (8).
+const backTarget = computed(() => props.summaryAmountValue > 0 ? 9 : 8)
+
+const canSubmit = computed(() =>
+    props.formData.summary_information_correct
+    && props.formData.summary_accept_terms
+    && props.formData.legal_accepted
+    && (!requiresPaymentConfirmation.value || props.formData.payment)
+    && !props.submitting
+)
+
 function formatDate(dateString) {
     if (!dateString) return ''
     return format(parseISO(dateString), 'dd.MM.yyyy')
@@ -129,18 +162,18 @@ function eatingHabit() {
                     <input type="checkbox" v-model="formData.legal_accepted" />
                     Ich stimme der Datenschutzerklärung zu.
                 </label>
-                <label style="display: flex; gap: 10px; cursor: pointer;">
+                <label v-if="requiresPaymentConfirmation" style="display: flex; gap: 10px; cursor: pointer;">
                     <input type="checkbox" v-model="formData.payment" />
-                    Ich bestätige, den Betrag von <strong>{{ summaryAmount }}</strong> zu überweisen.
+                    {{ paymentConfirmationText }}
                 </label>
             </div>
 
             <div class="btn-row">
-                <button type="button" class="btn-secondary" @click="emit('back', 8)">← Zurück</button>
+                <button type="button" class="btn-secondary" @click="emit('back', backTarget)">← Zurück</button>
                 <button
                     type="submit"
                     class="btn-primary"
-                    :disabled="!formData.summary_information_correct || !formData.summary_accept_terms || !formData.legal_accepted || !formData.payment || submitting"
+                    :disabled="!canSubmit"
                     style="background: #059669;"
                 >
                     {{ submitting ? 'Wird gesendet…' : 'Jetzt anmelden ✓' }}
diff --git a/app/Domains/Event/Views/Signup.vue b/app/Domains/Event/Views/Signup.vue
index d1b035b..a941154 100644
--- a/app/Domains/Event/Views/Signup.vue
+++ b/app/Domains/Event/Views/Signup.vue
@@ -12,7 +12,6 @@ const props = defineProps({
     availableEvents: Array,
     participantData: Object,
     localGroups: Array,
-    paymentMethod: String,
 })
 
 const showSignup = ref(true)
@@ -104,7 +103,6 @@ function close() {
                     :event="props.event"
                     :participantData="props.participantData ?? {}"
                     :localGroups="props.localGroups ?? []"
-                    :paymentMethod="props.paymentMethod ?? null"
                 />
                 <p v-else class="signup-closed-notice">
                     Die Anmeldung für diese Veranstaltung ist geschlossen.
diff --git a/app/EventPaymentModules/AbstractEventPaymentModule.php b/app/EventPaymentModules/AbstractEventPaymentModule.php
index 64a319c..780db01 100644
--- a/app/EventPaymentModules/AbstractEventPaymentModule.php
+++ b/app/EventPaymentModules/AbstractEventPaymentModule.php
@@ -22,36 +22,83 @@ abstract class AbstractEventPaymentModule implements EventPaymentModule
         return null;
     }
 
+    /**
+     * Payer-seitige Eingaben, die eine Zahlungsart vom Teilnehmer benötigt (z.B. später SEPA-IBAN,
+     * PayPal-Mail). Standard: keine. Gleiche Form wie getOptions(): [{name,label,type,required}].
+     *
+     * @return array<int, array{name: string, label: string, type: string, required: bool}>
+     */
+    public function getParticipantOptions(): array
+    {
+        return [];
+    }
+
     // -----------------------------------------------------------------------------------------
-    // Aus getOptions() abgeleitete Helfer (zuvor statisch auf PaymentMethod).
+    // Aus dem jeweiligen Schema abgeleitete Helfer (Admin-Config = getOptions(),
+    // Teilnehmer-Eingaben = getParticipantOptions()).
     // -----------------------------------------------------------------------------------------
 
-    /**
-     * Namen aller Pflicht-Optionen dieses Moduls.
-     *
-     * @return array<int, string>
-     */
+    /** @return array<int, string> */
     public function requiredOptionKeys(): array
     {
-        return array_values(array_map(
-            static fn (array $option) => $option['name'],
-            array_filter($this->getOptions(), static fn (array $option) => $option['required'] ?? false)
-        ));
+        return $this->requiredKeys($this->getOptions());
     }
 
     /**
-     * Reduziert eine Konfiguration auf die im Schema definierten Options-Keys.
-     * Unbekannte Keys werden verworfen -- getOptions() ist die Autorität.
-     *
      * @param array<string, mixed> $config
      * @return array<string, mixed>
      */
     public function sanitizeConfiguration(array $config): array
+    {
+        return $this->sanitizeAgainst($this->getOptions(), $config);
+    }
+
+    /** @param array<string, mixed> $config */
+    public function isConfigurationComplete(array $config): bool
+    {
+        return $this->allRequiredFilled($this->getOptions(), $config);
+    }
+
+    /**
+     * @param array<string, mixed> $input
+     * @return array<string, mixed>
+     */
+    public function sanitizeParticipantOptions(array $input): array
+    {
+        return $this->sanitizeAgainst($this->getParticipantOptions(), $input);
+    }
+
+    /** @param array<string, mixed> $input */
+    public function participantOptionsComplete(array $input): bool
+    {
+        return $this->allRequiredFilled($this->getParticipantOptions(), $input);
+    }
+
+    /**
+     * @param array<int, array{name: string, required?: bool}> $schema
+     * @return array<int, string>
+     */
+    private function requiredKeys(array $schema): array
+    {
+        return array_values(array_map(
+            static fn (array $option) => $option['name'],
+            array_filter($schema, static fn(array $option) => $option['required'] ?? false)
+        ));
+    }
+
+    /**
+     * Reduziert Eingaben auf die im Schema definierten Keys (unbekannte werden verworfen).
+     *
+     * @param array<int, array{name: string}> $schema
+     * @param array<string, mixed> $input
+     * @return array<string, mixed>
+     */
+    private function sanitizeAgainst(array $schema, array $input): array
     {
         $result = [];
-        foreach ($this->getOptions() as $option) {
-            if (array_key_exists($option['name'], $config)) {
-                $result[$option['name']] = $config[$option['name']];
+        foreach ($schema as $option) {
+            if (array_key_exists($option['name'], $input)) {
+                $result[$option['name']] = $input[$option['name']];
             }
         }
 
@@ -59,14 +106,15 @@ abstract class AbstractEventPaymentModule implements EventPaymentModule
     }
 
     /**
-     * Prüft, ob alle Pflicht-Optionen befüllt (non-empty) sind.
+     * Sind alle Pflichtfelder des Schemas befüllt (non-empty)?
      *
-     * @param array<string, mixed> $config
+     * @param array<int, array{name: string, required?: bool}> $schema
+     * @param array<string, mixed> $input
      */
-    public function isConfigurationComplete(array $config): bool
+    private function allRequiredFilled(array $schema, array $input): bool
     {
-        foreach ($this->requiredOptionKeys() as $key) {
-            $value = $config[$key] ?? null;
+        foreach ($this->requiredKeys($schema) as $key) {
+            $value = $input[$key] ?? null;
             if ($value === null || $value === '' || $value === []) {
                 return false;
             }
diff --git a/app/EventPaymentModules/CLAUDE.md b/app/EventPaymentModules/CLAUDE.md
index 8961de7..c59f547 100644
--- a/app/EventPaymentModules/CLAUDE.md
+++ b/app/EventPaymentModules/CLAUDE.md
@@ -19,16 +19,30 @@ Rechnung) liegt gekapselt in einem Modul pro Zahlungsart. Aufgelöst wird über
 
 ## Kernregeln
 
-- **Options-Schema lebt im Code**, nicht in der DB (`getOptions()` je Modul). In der DB stehen nur die Werte.
-  Optionsform: `['name', 'label', 'type', 'required']`. `type` ist i.d.R. `'string'`; `'richtext'` wird im Frontend über
-  `Views/Components/TextEditor.vue` (TinyMCE, HTML) gerendert und via `v-html`/`{!! !!}` ausgegeben.
+- **Zwei getrennte Options-Schemata (beide im Code, gleiche Form `['name','label','type','required']`):**
+    - `getOptions()` = **Admin-Config** (was der/die Veranstalter\*in pflegt, z.B. Empfänger-Konto). Werte in der DB
+      (`configuration`, s.u.).
+    - `getParticipantOptions()` = **Teilnehmer-Eingaben** beim Anmelden (payer-seitig, z.B. künftig
+      SEPA-IBAN/PayPal-Mail; beide Bestandsmodule: `[]`). Werte in `event_participants.payment_options` (JSON).
+      Abgesichert über
+      `sanitizeParticipantOptions()` / `participantOptionsComplete()` (Guard im `SignUpCommand`).
+    - `type` ist i.d.R. `'string'`; `'richtext'` wird über `Views/Components/TextEditor.vue` (TinyMCE, HTML) gerendert
+      und via `v-html`/`{!! !!}` ausgegeben. Teilnehmer-Eingaben rendert die generische
+      `SignUpForm/components/PaymentMethodInputs.vue` schema-getrieben.
 - **Aktivierungs-Guard:** Eine Tenant-Zahlungsmethode darf nur `active` werden, wenn alle `required`-Optionen befüllt
   sind (`isConfigurationComplete()`), erzwungen in `UpdateAvailablePaymentMethodAction`.
 - **Config-Speicherung (JSON):** pro Tenant auf `available_payment_methods.configuration`, pro Event auf dem Pivot
   `event_payment_methods.configuration`. Beim Zuweisen an ein Event wird die Tenant-Config als **Snapshot kopiert**
   (Copy-on-Assign, spätere Tenant-Änderungen wirken NICHT nach). Sync erfolgt differenziell in `UpdateEventCommand`.
-- **`PaymentMethod` ist nur eine Fassade:** `PaymentMethod::optionsFor/requiredOptionKeys/sanitizeConfiguration/`
-  `isConfigurationComplete/defaults()` delegieren an die Registry. Bestehende Aufrufstellen bleiben so stabil.
+- **`PaymentMethod` ist nur eine Fassade:** `PaymentMethod::optionsFor/participantOptionsFor/requiredOptionKeys/`
+  `sanitizeConfiguration/isConfigurationComplete/defaults()` delegieren an die Registry. Bestehende Aufrufstellen
+  bleiben stabil.
+- **Zahlungsauswahl im Anmeldeprozess:** Nach „Allergien" wählt der/die Teilnehmer\*in aus den **aktiven**
+  Event-Methoden (`StepPaymentMethod.vue`); bei Beitrag 0 € wird der Schritt übersprungen. Die Wahl landet in
+  `event_participants.payment_method`, die Eingaben in `payment_options`. Der Überweisungs-Bestätigungstext in der
+  Zusammenfassung ist eine Admin-Config-Option `summary_confirmation_text` (`{amount}`-Platzhalter) und erscheint nur
+  bei
+  `PAYMENT_ACCOUNT_TRANSACTION`.
 - **`PaymentStatus`** ist ein DB-gestütztes Enumerations-Model (`app/Enumerations/PaymentStatus.php`, Tabelle
   `payment_status`, geseedet in `ProductionDataSeeder`), analog zu `InvoiceStatus`. Reine Steuersignale (z.B. Redirect)
   gehören NICHT ins Status-Vokabular, sondern als transiente Felder aufs Response-DTO.
diff --git a/app/EventPaymentModules/EventPaymentModule.php b/app/EventPaymentModules/EventPaymentModule.php
index c2b7390..c7b0d2a 100644
--- a/app/EventPaymentModules/EventPaymentModule.php
+++ b/app/EventPaymentModules/EventPaymentModule.php
@@ -30,12 +30,19 @@ interface EventPaymentModule
     public function defaultDescription(): ?string;
 
     /**
-     * Options-Schema dieses Moduls (welche Konfigurationsfelder es benötigt).
+     * Admin-Options-Schema dieses Moduls (welche Konfigurationsfelder der/die Veranstalter\*in pflegt).
      *
      * @return array<int, array{name: string, label: string, type: string, required: bool}>
      */
     public function getOptions(): array;
 
+    /**
+     * Teilnehmer-Eingaben, die diese Zahlungsart beim Anmelden abfragt (payer-seitig; Standard: keine).
+     *
+     * @return array<int, array{name: string, label: string, type: string, required: bool}>
+     */
+    public function getParticipantOptions(): array;
+
     /**
      * Liefert den zahlungsspezifischen Teil der Anmelde-Zusammenfassung.
      * (In dieser Iteration nur als Stub vorhanden.)
diff --git a/app/EventPaymentModules/Modules/AccountTransferPaymentModule.php b/app/EventPaymentModules/Modules/AccountTransferPaymentModule.php
index a49d362..31dfcdc 100644
--- a/app/EventPaymentModules/Modules/AccountTransferPaymentModule.php
+++ b/app/EventPaymentModules/Modules/AccountTransferPaymentModule.php
@@ -33,6 +33,7 @@ class AccountTransferPaymentModule extends AbstractEventPaymentModule implements
             ['name' => 'account_owner', 'label' => 'Kontoinhaber', 'type' => 'string', 'required' => true],
             ['name' => 'iban', 'label' => 'IBAN', 'type' => 'string', 'required' => true],
             ['name' => 'bic', 'label' => 'BIC', 'type' => 'string', 'required' => false],
+            ['name' => 'summary_confirmation_text', 'label' => 'Bestätigungstext (Zusammenfassung, {amount} als Platzhalter)', 'type' => 'string', 'required' => false],
         ];
     }
 
diff --git a/app/Models/EventParticipant.php b/app/Models/EventParticipant.php
index 54ca90a..23622a7 100644
--- a/app/Models/EventParticipant.php
+++ b/app/Models/EventParticipant.php
@@ -69,6 +69,7 @@ class EventParticipant extends InstancedModel
         'amount_paid',
         'payment_purpose',
         'payment_method',
+        'payment_options',
         'efz_status',
         'unregistered_at',
     ];
@@ -88,6 +89,7 @@ class EventParticipant extends InstancedModel
 
         'amount' => AmountCast::class,
         'amount_paid' => AmountCast::class,
+        'payment_options' => 'array',
     ];
 
     /*
diff --git a/app/Models/PaymentMethod.php b/app/Models/PaymentMethod.php
index addc670..416fed1 100644
--- a/app/Models/PaymentMethod.php
+++ b/app/Models/PaymentMethod.php
@@ -44,7 +44,7 @@ class PaymentMethod extends CommonModel
     }
 
     /**
-     * Options-Schema für einen Slug.
+     * Admin-Options-Schema für einen Slug.
      *
      * @return array<int, array{name: string, label: string, type: string, required: bool}>
      */
@@ -53,6 +53,16 @@ class PaymentMethod extends CommonModel
         return EventPaymentModuleRegistry::forSlug($slug)?->getOptions() ?? [];
     }
 
+    /**
+     * Teilnehmer-Eingabe-Schema für einen Slug (payer-seitig).
+     *
+     * @return array<int, array{name: string, label: string, type: string, required: bool}>
+     */
+    public static function participantOptionsFor(string $slug): array
+    {
+        return EventPaymentModuleRegistry::forSlug($slug)?->getParticipantOptions() ?? [];
+    }
+
     /**
      * Namen aller Pflicht-Optionen eines Slugs.
      *
diff --git a/app/Resources/AvailablePaymentMethodResource.php b/app/Resources/AvailablePaymentMethodResource.php
index c2bf724..5d29688 100644
--- a/app/Resources/AvailablePaymentMethodResource.php
+++ b/app/Resources/AvailablePaymentMethodResource.php
@@ -10,6 +10,7 @@ class AvailablePaymentMethodResource extends JsonResource {
     private AvailablePaymentMethod $availablePaymentMethod;
 
     public function __construct(AvailablePaymentMethod $availablePaymentMethod) {
+        parent::__construct($availablePaymentMethod);
         $this->availablePaymentMethod = $availablePaymentMethod;
     }
 
@@ -29,6 +30,7 @@ class AvailablePaymentMethodResource extends JsonResource {
             'active' => $this->availablePaymentMethod->active,
             'configuration' => (object) $configuration,
             'optionsSchema' => PaymentMethod::optionsFor($this->availablePaymentMethod->slug),
+            'participantOptionsSchema' => PaymentMethod::participantOptionsFor($this->availablePaymentMethod->slug),
         ];
     }
 }
diff --git a/app/Resources/EventResource.php b/app/Resources/EventResource.php
index 602e4ef..3055e94 100644
--- a/app/Resources/EventResource.php
+++ b/app/Resources/EventResource.php
@@ -135,7 +135,7 @@ class EventResource extends JsonResource{
             fn($eatingHabit) => new EatingHabitResource($eatingHabit))->toArray();
 
         $returnArray['paymentMethods'] = $this->event->paymentMethods()->get()->map(
-            fn($paymentMethod) => new AvailablePaymentMethodResource($paymentMethod))->toArray();
+            fn($paymentMethod) => new AvailablePaymentMethodResource($paymentMethod)->toArray($request))->toArray();
 
 
         $returnArray['participationTypes'] = [];
diff --git a/database/migrations/2026_08_05_140010_add_payment_options_to_event_participants.php b/database/migrations/2026_08_05_140010_add_payment_options_to_event_participants.php
new file mode 100644
index 0000000..4c96546
--- /dev/null
+++ b/database/migrations/2026_08_05_140010_add_payment_options_to_event_participants.php
@@ -0,0 +1,22 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration {
+    public function up(): void
+    {
+        Schema::table('event_participants', function (Blueprint $table) {
+            // Payer-seitige Eingaben der gewählten Zahlungsart (Schema je Modul: getParticipantOptions()).
+            $table->json('payment_options')->nullable()->after('payment_method');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('event_participants', function (Blueprint $table) {
+            $table->dropColumn('payment_options');
+        });
+    }
+};
diff --git a/tests/Feature/SignUpPaymentOptionsTest.php b/tests/Feature/SignUpPaymentOptionsTest.php
new file mode 100644
index 0000000..1a8ab47
--- /dev/null
+++ b/tests/Feature/SignUpPaymentOptionsTest.php
@@ -0,0 +1,118 @@
+<?php
+
+namespace Tests\Feature;
+
+use App\Domains\Event\Actions\SignUp\SignUpCommand;
+use App\Domains\Event\Actions\SignUp\SignUpRequest;
+use App\Enumerations\EatingHabit;
+use App\Enumerations\EfzStatus;
+use App\Enumerations\FirstAidPermission;
+use App\Enumerations\ParticipationType;
+use App\Enumerations\SwimmingPermission;
+use App\Models\AvailablePaymentMethod;
+use App\Models\Event;
+use App\Models\PaymentMethod;
+use App\Models\Tenant;
+use App\Resources\AvailablePaymentMethodResource;
+use App\ValueObjects\Amount;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\DB;
+use Tests\TestCase;
+
+class SignUpPaymentOptionsTest extends TestCase
+{
+    use RefreshDatabase;
+
+    private Tenant $tenant;
+
+    protected function setUp(): void
+    {
+        parent::setUp();
+
+        $this->tenant = Tenant::create([
+            'slug' => 'tv', 'name' => 'Test', 'email' => 't@example.com', 'email_finance' => 'f@example.com',
+            'url' => 'test.local', 'account_name' => 'Test e.V.', 'account_iban' => 'DE00', 'account_bic' => 'XY',
+            'city' => 'Stadt', 'postcode' => '00000', 'is_active_local_group' => true, 'has_active_instance' => true,
+        ]);
+        app()->instance('tenant', $this->tenant);
+
+        PaymentMethod::create(['slug' => PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION]);
+        DB::table('participation_fee_types')->insert(['slug' => 'FIXED', 'name' => 'Fixed', 'created_at' => now(), 'updated_at' => now()]);
+        ParticipationType::create(['slug' => ParticipationType::PARTICIPATION_TYPE_PARTICIPANT, 'name' => 'Teilnehmende']);
+        EfzStatus::create(['slug' => EfzStatus::EFZ_STATUS_NOT_CHECKED, 'name' => 'Nicht geprüft']);
+        EfzStatus::create(['slug' => EfzStatus::EFZ_STATUS_NOT_REQUIRED, 'name' => 'Nicht erforderlich']);
+        SwimmingPermission::create(['slug' => SwimmingPermission::SWIMMING_PERMISSION_ALLOWED, 'name' => 'Darf baden', 'short' => 'Erteilt']);
+        FirstAidPermission::create(['slug' => FirstAidPermission::FIRST_AID_PERMISSION_ALLOWED, 'name' => 'Zugestimmt', 'description' => '']);
+        EatingHabit::create(['slug' => EatingHabit::EATING_HABIT_VEGAN, 'name' => 'Vegan']);
+    }
+
+    private function createEvent(): Event
+    {
+        return Event::create([
+            'tenant' => $this->tenant->slug, 'name' => 'Event', 'identifier' => 'evt-1', 'location' => 'Ort',
+            'postal_code' => '00000', 'email' => 'e@example.com', 'start_date' => '2026-08-01', 'end_date' => '2026-08-05',
+            'early_bird_end' => '2026-07-01', 'registration_final_end' => '2026-07-20', 'early_bird_end_amount_increase' => 0,
+            'account_owner' => 'Owner', 'account_iban' => 'DE00', 'participation_fee_type' => 'FIXED',
+            'pay_per_day' => false, 'pay_direct' => false,
+        ]);
+    }
+
+    private function signUpRequest(Event $event, array $paymentOptions): SignUpRequest
+    {
+        return new SignUpRequest(
+            $event, null, 'Hans', 'Muster', null, ParticipationType::PARTICIPATION_TYPE_PARTICIPANT,
+            $this->tenant, new \DateTime('2000-01-01'), 'Weg 1', null, '00000', 'Stadt',
+            'h@example.com', '123', null, null, null, null, null, null, null,
+            'vegan', null, null, false, false, false, false, false,
+            new \DateTime('2026-08-01'), new \DateTime('2026-08-05'), 0, 0, null,
+            new Amount(50.0, ' Euro'), PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION, $paymentOptions,
+        );
+    }
+
+    public function test_payment_options_are_sanitized_and_stored(): void
+    {
+        $event = $this->createEvent();
+
+        // Überweisung hat keine Teilnehmer-Eingaben -> alles wird verworfen, payment_options bleibt leer.
+        $response = new SignUpCommand($this->signUpRequest($event, ['evil' => 'x']))->execute();
+
+        $this->assertTrue($response->success);
+        $this->assertSame([], $response->participant->payment_options);
+        // payment_purpose wird immer erzeugt (AC #4).
+        $this->assertStringContainsString('Beitrag Hans Muster', $response->participant->payment_purpose);
+    }
+
+    public function test_resource_exposes_participant_options_schema(): void
+    {
+        $event = $this->createEvent();
+        AvailablePaymentMethod::create([
+            'tenant' => $this->tenant->slug, 'slug' => PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION,
+            'name' => 'Überweisung', 'active' => true, 'configuration' => ['account_owner' => 'Kasse', 'iban' => 'DE1'],
+        ]);
+
+        $method = AvailablePaymentMethod::where('slug', PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION)->first();
+        $array = new AvailablePaymentMethodResource($method)->toArray(request());
+
+        $this->assertArrayHasKey('participantOptionsSchema', $array);
+        $this->assertSame([], $array['participantOptionsSchema']); // Überweisung: keine Teilnehmer-Eingaben
+    }
+
+    public function test_payment_methods_serialize_without_data_wrapper(): void
+    {
+        AvailablePaymentMethod::create([
+            'tenant' => $this->tenant->slug, 'slug' => PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION,
+            'name' => 'Überweisung', 'active' => true, 'configuration' => ['account_owner' => 'Kasse', 'iban' => 'DE1'],
+        ]);
+        $method = AvailablePaymentMethod::where('slug', PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION)->first();
+
+        // Exakt so serialisiert EventResource die Methoden fürs Frontend.
+        $serialized = collect([$method])->map(
+            fn($m) => new AvailablePaymentMethodResource($m)->toArray(request())
+        )->toArray();
+
+        // Kein data-Wrapper: slug/active liegen top-level (sonst wäre m.active im Frontend undefined -> leere Liste).
+        $this->assertArrayNotHasKey('data', $serialized[0]);
+        $this->assertSame(PaymentMethod::PAYMENT_ACCOUNT_TRANSACTION, $serialized[0]['slug']);
+        $this->assertTrue($serialized[0]['active']);
+    }
+}
diff --git a/tests/Unit/EventPaymentModuleRegistryTest.php b/tests/Unit/EventPaymentModuleRegistryTest.php
index ced99af..13dc5c4 100644
--- a/tests/Unit/EventPaymentModuleRegistryTest.php
+++ b/tests/Unit/EventPaymentModuleRegistryTest.php
@@ -50,6 +50,49 @@ class EventPaymentModuleRegistryTest extends TestCase
         $this->assertTrue($module->isConfigurationComplete(['iban' => 'DE123', 'account_owner' => 'Kasse']));
     }
 
+    public function test_existing_modules_have_no_participant_options(): void
+    {
+        $this->assertSame([], (new AccountTransferPaymentModule())->getParticipantOptions());
+        $this->assertSame([], (new UndefinedPaymentModule())->getParticipantOptions());
+    }
+
+    public function test_participant_option_helpers(): void
+    {
+        // Anonymes Modul mit einer Pflicht-Teilnehmereingabe.
+        $module = new class extends \App\EventPaymentModules\AbstractEventPaymentModule {
+            public static function slug(): string
+            {
+                return 'TEST';
+            }
+
+            public function defaultName(): string
+            {
+                return 'Test';
+            }
+
+            public function getOptions(): array
+            {
+                return [];
+            }
+
+            public function getParticipantOptions(): array
+            {
+                return [['name' => 'iban', 'label' => 'IBAN', 'type' => 'string', 'required' => true]];
+            }
+
+            protected function invoiceClosingStatement(\App\EventPaymentModules\DTO\CreateInvoiceRequest $request): string
+            {
+                return '';
+            }
+        };
+
+        // sanitize verwirft unbekannte Keys, complete verlangt Pflichtfeld non-empty.
+        $this->assertSame(['iban' => 'DE1'], $module->sanitizeParticipantOptions(['iban' => 'DE1', 'evil' => 'x']));
+        $this->assertFalse($module->participantOptionsComplete([]));
+        $this->assertFalse($module->participantOptionsComplete(['iban' => '']));
+        $this->assertTrue($module->participantOptionsComplete(['iban' => 'DE1']));
+    }
+
     public function test_only_account_transfer_provides_giro_code(): void
     {
         $this->assertInstanceOf(ProvidesGiroCode::class, new AccountTransferPaymentModule());