Pay-by-Bank (how rent is marked received)

Landlord setup is saving their own IBAN — not Connect-bank.

Tenant taps Pay by Bank, logs into their bank (SCA every time), and pays the landlord’s IBAN with the charge’s SRR reference.

Webhook payment_executed marks the row received. The landlord does not click Mark received on this path. Failed PIS stays unpaid.

No silent recurring PIS and no VRP. Do not forward bank emails or connect the landlord’s bank (AIS) to mark rent.