diff --git a/DB_SCHEMA_MAP.md b/DB_SCHEMA_MAP.md
index 8990528..e94c403 100644
--- a/DB_SCHEMA_MAP.md
+++ b/DB_SCHEMA_MAP.md
@@ -413,6 +413,8 @@ Default channels created by trigger on space INSERT: `general`, `announcements`,
 | 045 | `class_signup_tx` / `class_cancel_tx` SECURITY DEFINER functions: capacity-decision+insert and cancel+waitlist-promote run under a per-session `pg_advisory_xact_lock` (concurrent signups can't over-enroll; concurrent cancels can't double-promote). Mirrors the pure computeSignupStatus/pickPromotion rule; RPC is runtime authority. No new table/column |
 | 046 | `user_has_role_in_space` + `user_has_permission` gated on `status IN ('current','late')` (RLS-layer defense-in-depth for D2): unverified/inactive can no longer exercise a role/permission via direct PostgREST. `get_user_space_ids` + `user_effective_roles` intentionally NOT gated (would break unverified self-reads / onboarding). No new table/column |
 | 047 | `members_with_permission(sid, perm)` SECURITY DEFINER, set-returning inverse of `user_has_permission` (same current/late gate, same admin shortcut + `space_role_permissions`/`user_effective_roles` fallback). Lets Phase 4 fan-outs (e.g. `form_submission_admin`) resolve permission holders in one query. No new table/column/policy |
+| 048 | `notification_preferences` (Phase 5): per-member opt-out of muteable categories (`bookings, classes, forms, admin_alerts`); `billing` never muteable/stored. Cols `space_id, member_id, category, enabled`; PK `(space_id, member_id, category)`. Opt-out: no row = enabled. RLS on, NO client policy (default-deny); dispatcher reads via service client and marks muted rows `skipped`; `/me` view + toggle via validated service-client actions. `touch_updated_at` trigger |
+| 049 | `dues_payment_methods`: admin-configured external dues links. Cols `id, space_id, platform (payment_platform), url, instructions, is_active, sort_order`; `UNIQUE (space_id, platform)`. One pay-here URL per platform (PayPal/Zeffy/Venmo); members click out, treasurer reconciles manually (platform pre-typed). RLS: SELECT any space member, write admin/board. `url` validated https-only at the action boundary. `touch_updated_at` trigger |
 
 ---
 
@@ -450,6 +452,8 @@ Default channels created by trigger on space INSERT: `general`, `announcements`,
 | `member_billing` | space_id, member_id (UNIQUE per space), stripe_customer_id, stripe_subscription_id, subscription_status, current_period_end | Stripe dues link. SELECT = admin/board/treasurer; NO client write policy (webhook/service-client only). Member self-view via a validated action |
 | `stripe_webhook_events` | event_id PK, space_id, type, received_at | Webhook idempotency ledger (dedupe on Stripe's stable event id). Service-client only; no RLS policy |
 | `notifications` | space_id, member_id, type, channel, recipient, subject, body_html, body_text, status, attempts, last_error, dedupe_key (UNIQUE per space), sent_at | Transactional email outbox. Webhook enqueues (idempotent via the unique key); dispatcher cron sends via Resend with row id as Idempotency-Key. SELECT = admin/board/treasurer; NO client write policy (service-client only). Member self-view via a validated action |
+| `notification_preferences` | space_id, member_id, category, enabled; PK (space_id, member_id, category) | Per-member opt-out of muteable notification categories (bookings, classes, forms, admin_alerts); billing never stored. Opt-out: no row = enabled. NO client policy (default-deny); dispatcher reads via service client and marks muted outbox rows `skipped`; `/me` view + toggle via validated service-client actions |
+| `dues_payment_methods` | id, space_id, platform, url, instructions, is_active, sort_order; UNIQUE (space_id, platform) | Admin-configured external dues payment links (PayPal/Zeffy/Venmo). Members click out to pay off-platform; treasurer reconciles manually (platform pre-typed). SELECT = any space member; write = admin/board. url validated https-only |
 
 Column additions: `space_members.tier_id`, `onboarding_completed_at`, `onboarding_progress`; `secrets.encrypted_value`, `encryption_version`; `knowledge_base.render_markdown`, `is_meeting_minutes`, `meeting_date`; `classes.required_form_id`; `spaces.host_requires_card`. New enum `comment_entity_type`.
 
diff --git a/__tests__/dues-payments-logic.test.ts b/__tests__/dues-payments-logic.test.ts
new file mode 100644
index 0000000..7606904
--- /dev/null
+++ b/__tests__/dues-payments-logic.test.ts
@@ -0,0 +1,51 @@
+import { describe, it, expect } from 'vitest'
+import {
+  DUES_LINK_PLATFORMS,
+  DUES_PLATFORM_LABEL,
+  isDuesLinkPlatform,
+  isSafeDuesUrl,
+} from '@/lib/dues-payments-logic'
+
+describe('DUES_LINK_PLATFORMS', () => {
+  it('is the url-based subset, excluding cash and stripe', () => {
+    expect(DUES_LINK_PLATFORMS).toEqual(['paypal', 'zeffy', 'venmo'])
+    expect((DUES_LINK_PLATFORMS as readonly string[]).includes('cash')).toBe(false)
+    expect((DUES_LINK_PLATFORMS as readonly string[]).includes('stripe')).toBe(false)
+  })
+
+  it('has a label for every platform', () => {
+    for (const p of DUES_LINK_PLATFORMS) expect(DUES_PLATFORM_LABEL[p]).toBeTruthy()
+  })
+})
+
+describe('isDuesLinkPlatform', () => {
+  it('accepts the link platforms', () => {
+    expect(isDuesLinkPlatform('paypal')).toBe(true)
+    expect(isDuesLinkPlatform('venmo')).toBe(true)
+  })
+  it('rejects cash, stripe, and junk', () => {
+    expect(isDuesLinkPlatform('cash')).toBe(false)
+    expect(isDuesLinkPlatform('stripe')).toBe(false)
+    expect(isDuesLinkPlatform('bogus')).toBe(false)
+  })
+})
+
+describe('isSafeDuesUrl', () => {
+  it('accepts absolute https URLs', () => {
+    expect(isSafeDuesUrl('https://paypal.me/myspace')).toBe(true)
+    expect(isSafeDuesUrl('https://www.zeffy.com/en-US/donation-form/abc')).toBe(true)
+  })
+  it('rejects http (plaintext downgrade)', () => {
+    expect(isSafeDuesUrl('http://paypal.me/myspace')).toBe(false)
+  })
+  it('rejects javascript:, data:, and other schemes (XSS)', () => {
+    expect(isSafeDuesUrl('javascript:alert(1)')).toBe(false)
+    expect(isSafeDuesUrl('data:text/html,<script>')).toBe(false)
+    expect(isSafeDuesUrl('mailto:treasurer@space.org')).toBe(false)
+  })
+  it('rejects relative or unparseable input', () => {
+    expect(isSafeDuesUrl('/paypal')).toBe(false)
+    expect(isSafeDuesUrl('paypal.me/x')).toBe(false)
+    expect(isSafeDuesUrl('')).toBe(false)
+  })
+})
diff --git a/__tests__/notifications-prefs-logic.test.ts b/__tests__/notifications-prefs-logic.test.ts
new file mode 100644
index 0000000..b3c578b
--- /dev/null
+++ b/__tests__/notifications-prefs-logic.test.ts
@@ -0,0 +1,87 @@
+import { describe, it, expect } from 'vitest'
+import {
+  MUTEABLE_CATEGORIES,
+  TYPE_CATEGORY,
+  CATEGORY_META,
+  categoryForType,
+  isMuteableCategory,
+  isMuted,
+} from '@/lib/notifications-prefs-logic'
+
+describe('categoryForType', () => {
+  it('maps every dues type to billing', () => {
+    expect(categoryForType('dues_renewed')).toBe('billing')
+    expect(categoryForType('dues_payment_failed')).toBe('billing')
+    expect(categoryForType('dues_lapsed')).toBe('billing')
+  })
+
+  it('maps booking, class, and form types to their categories', () => {
+    expect(categoryForType('booking_confirmed')).toBe('bookings')
+    expect(categoryForType('booking_cancelled')).toBe('bookings')
+    expect(categoryForType('class_signup_registered')).toBe('classes')
+    expect(categoryForType('class_signup_waitlisted')).toBe('classes')
+    expect(categoryForType('class_signup_promoted')).toBe('classes')
+    expect(categoryForType('class_session_cancelled')).toBe('classes')
+    expect(categoryForType('form_submission_received')).toBe('forms')
+    expect(categoryForType('form_submission_admin')).toBe('admin_alerts')
+  })
+
+  it('returns null for an unmapped type', () => {
+    expect(categoryForType('something_new')).toBeNull()
+  })
+})
+
+describe('isMuteableCategory', () => {
+  it('billing is never muteable', () => {
+    expect(isMuteableCategory('billing')).toBe(false)
+  })
+  it('bookings, classes, forms, admin_alerts are muteable', () => {
+    for (const c of MUTEABLE_CATEGORIES) expect(isMuteableCategory(c)).toBe(true)
+  })
+})
+
+describe('isMuted', () => {
+  it('absent pref means enabled (opt-out default): not muted', () => {
+    expect(isMuted({}, 'booking_confirmed')).toBe(false)
+  })
+
+  it('explicitly disabled muteable category: muted', () => {
+    expect(isMuted({ bookings: false }, 'booking_confirmed')).toBe(true)
+    expect(isMuted({ classes: false }, 'class_signup_registered')).toBe(true)
+    expect(isMuted({ forms: false }, 'form_submission_received')).toBe(true)
+    expect(isMuted({ admin_alerts: false }, 'form_submission_admin')).toBe(true)
+  })
+
+  it('explicitly enabled: not muted', () => {
+    expect(isMuted({ bookings: true }, 'booking_confirmed')).toBe(false)
+  })
+
+  it('billing is never muted even if a stray pref tries to disable it', () => {
+    // billing is never written, but defend the dispatcher path regardless.
+    expect(isMuted({ billing: false } as never, 'dues_lapsed')).toBe(false)
+    expect(isMuted({ billing: false } as never, 'dues_payment_failed')).toBe(false)
+    expect(isMuted({}, 'dues_renewed')).toBe(false)
+  })
+
+  it('unmapped type is never muted (fail-open)', () => {
+    expect(isMuted({ bookings: false }, 'brand_new_event')).toBe(false)
+  })
+
+  it('a pref for one category does not affect another', () => {
+    expect(isMuted({ classes: false }, 'booking_confirmed')).toBe(false)
+  })
+})
+
+describe('CATEGORY_META', () => {
+  it('lists exactly the muteable categories, no billing', () => {
+    const cats = CATEGORY_META.map(m => m.category)
+    expect(cats).toEqual([...MUTEABLE_CATEGORIES])
+    expect(cats).not.toContain('billing')
+  })
+
+  it('every emitted type maps to a known category', () => {
+    for (const cat of Object.values(TYPE_CATEGORY)) {
+      expect(['billing', ...MUTEABLE_CATEGORIES]).toContain(cat)
+    }
+  })
+})
diff --git a/app/(app)/me/me-portal-client.tsx b/app/(app)/me/me-portal-client.tsx
index d113b1e..24d9021 100644
--- a/app/(app)/me/me-portal-client.tsx
+++ b/app/(app)/me/me-portal-client.tsx
@@ -10,9 +10,11 @@ import {
 import { SIGNUP_STATUS_LABEL, SESSION_STATUS_LABEL } from '@/lib/classes-logic'
 import { RESERVATION_STATUS_LABEL } from '@/lib/equipment-logic'
 import { presenceStatus } from '@/lib/presence-logic'
-import { DuesCard } from '@/components/billing/dues-card'
+import { DuesCard, type DuesMethod } from '@/components/billing/dues-card'
 import { ProfileForm, type ProfileInitial } from './profile-form'
 import { CancelAction } from './cancel-action'
+import { NotificationPrefs } from './notification-prefs'
+import type { PrefMap } from '@/lib/notifications-prefs-logic'
 import { cancelMySignup, cancelReservation } from '@/lib/actions'
 
 const STATUS_VARIANT: Record<CertStatus, 'default' | 'outline'> = {
@@ -54,15 +56,17 @@ export type MyVisit = { id: string; checked_in_at: string; checked_out_at: strin
 export type MyNotif = { id: string; type: string; subject: string; status: string; createdAt: string; sentAt: string | null }
 export type MyPayment = { id: string; amount: number; currency: string; platform: string; description: string | null; status: string; date: string }
 export type HeldPermission = { code: string; label: string }
-export type Billing = { status: string | null; currentPeriodEnd: string | null; hasCustomer: boolean } | null
+export type Billing = { status: string | null; currentPeriodEnd: string | null; hasCustomer: boolean; configured: boolean } | null
 
 type Props = {
   profile: ProfileInitial
   grants: Grant[]
   held: HeldPermission[]
   billing: Billing
+  duesMethods: DuesMethod[]
   payments: MyPayment[]
   notifs: MyNotif[]
+  notifPrefs: PrefMap
   classSignups: ClassSignup[]
   reservations: Reservation[]
   myCards: MyCard[]
@@ -76,8 +80,10 @@ export function MePortalClient({
   grants,
   held,
   billing,
+  duesMethods,
   payments,
   notifs,
+  notifPrefs,
   classSignups,
   reservations,
   myCards,
@@ -135,7 +141,7 @@ export function MePortalClient({
         <TabsContent value="membership" className="space-y-8">
           <section>
             <h2 className={sectionH}>Dues</h2>
-            <DuesCard billing={billing} />
+            <DuesCard billing={billing} methods={duesMethods} />
           </section>
 
           <section>
@@ -210,6 +216,14 @@ export function MePortalClient({
         </TabsContent>
 
         <TabsContent value="activity" className="space-y-8">
+          <section>
+            <h2 className={sectionH}>Email preferences</h2>
+            <NotificationPrefs initial={notifPrefs} />
+            <p className="font-sans text-xs text-muted-foreground mt-3">
+              Billing emails (dues receipts, payment alerts) are always sent.
+            </p>
+          </section>
+
           <section>
             <h2 className={sectionH}>Notifications</h2>
             {notifs.length === 0 ? (
@@ -228,7 +242,13 @@ export function MePortalClient({
                       </p>
                     </div>
                     <Badge variant={n.status === 'sent' ? 'default' : 'outline'}>
-                      {n.status === 'sent' ? 'Sent' : n.status === 'failed' ? 'Failed' : 'Queued'}
+                      {n.status === 'sent'
+                        ? 'Sent'
+                        : n.status === 'failed'
+                          ? 'Failed'
+                          : n.status === 'skipped'
+                            ? 'Muted'
+                            : 'Queued'}
                     </Badge>
                   </li>
                 ))}
diff --git a/app/(app)/me/notification-prefs.tsx b/app/(app)/me/notification-prefs.tsx
new file mode 100644
index 0000000..5de3250
--- /dev/null
+++ b/app/(app)/me/notification-prefs.tsx
@@ -0,0 +1,52 @@
+'use client'
+
+import { useState, useTransition } from 'react'
+import { toast } from 'sonner'
+import { Switch } from '@/components/ui/switch'
+import {
+  CATEGORY_META,
+  type PrefMap,
+  type NotificationCategory,
+} from '@/lib/notifications-prefs-logic'
+import { setMyNotificationPreference } from '@/lib/actions'
+
+// Per-category email opt-out toggles. Optimistic: the switch flips immediately
+// and reverts if the server action fails. Billing is never shown (always on).
+export function NotificationPrefs({ initial }: { initial: PrefMap }) {
+  const [prefs, setPrefs] = useState<PrefMap>(initial)
+  const [pending, startTransition] = useTransition()
+
+  function toggle(category: NotificationCategory, next: boolean) {
+    const prev = prefs[category] ?? true
+    setPrefs(p => ({ ...p, [category]: next }))
+    startTransition(async () => {
+      const res = await setMyNotificationPreference({ category, enabled: next })
+      if ('error' in res) {
+        setPrefs(p => ({ ...p, [category]: prev }))
+        toast.error(res.error)
+      }
+    })
+  }
+
+  return (
+    <ul className="divide-y rounded-lg border border-border">
+      {CATEGORY_META.map(meta => {
+        const enabled = prefs[meta.category] ?? true
+        return (
+          <li key={meta.category} className="p-4 flex items-center justify-between gap-4">
+            <div className="min-w-0">
+              <span className="font-sans text-sm text-foreground">{meta.label}</span>
+              <p className="font-sans text-xs text-muted-foreground mt-0.5">{meta.description}</p>
+            </div>
+            <Switch
+              checked={enabled}
+              disabled={pending}
+              onCheckedChange={next => toggle(meta.category, next)}
+              aria-label={`Email me about ${meta.label}`}
+            />
+          </li>
+        )
+      })}
+    </ul>
+  )
+}
diff --git a/app/(app)/me/page.tsx b/app/(app)/me/page.tsx
index 1e72bcf..dea3d15 100644
--- a/app/(app)/me/page.tsx
+++ b/app/(app)/me/page.tsx
@@ -3,7 +3,9 @@ import { createClient } from '@/lib/supabase/server'
 import { createAdminClient } from '@/lib/supabase/admin'
 import { PageHeader, PageTitle } from '@/components/ui/page-title'
 import { PERMISSIONS, PERMISSION_CODES } from '@/lib/permissions-catalog'
-import { getMyClassSignups, getMyReservations, getMyCards, getMyVisits, getMyBilling, getMyNotifications, getMyPayments } from '@/lib/actions'
+import { getMyClassSignups, getMyReservations, getMyCards, getMyVisits, getMyBilling, getMyNotifications, getMyNotificationPreferences, getMyPayments, listActiveDuesPaymentMethods } from '@/lib/actions'
+import type { PrefMap } from '@/lib/notifications-prefs-logic'
+import type { DuesMethod } from '@/components/billing/dues-card'
 import {
   MePortalClient,
   type Grant,
@@ -107,12 +109,20 @@ export default async function MePage() {
 
   const billingRes = await getMyBilling()
   const billing = ('data' in billingRes ? billingRes.data : null) as
-    | { status: string | null; currentPeriodEnd: string | null; hasCustomer: boolean }
+    | { status: string | null; currentPeriodEnd: string | null; hasCustomer: boolean; configured: boolean }
     | null
 
+  const duesMethodsRes = await listActiveDuesPaymentMethods()
+  const duesMethods: DuesMethod[] = 'data' in duesMethodsRes
+    ? duesMethodsRes.data.map(m => ({ platform: m.platform, url: m.url, instructions: m.instructions }))
+    : []
+
   const notifsRes = await getMyNotifications()
   const notifs: MyNotif[] = 'data' in notifsRes ? (notifsRes.data as MyNotif[]) : []
 
+  const notifPrefsRes = await getMyNotificationPreferences()
+  const notifPrefs: PrefMap = 'data' in notifPrefsRes ? notifPrefsRes.data : {}
+
   const paymentsRes = await getMyPayments()
   const payments: MyPayment[] = 'data' in paymentsRes ? (paymentsRes.data as MyPayment[]) : []
 
@@ -127,8 +137,10 @@ export default async function MePage() {
         grants={grants}
         held={held}
         billing={billing}
+        duesMethods={duesMethods}
         payments={payments}
         notifs={notifs}
+        notifPrefs={notifPrefs}
         classSignups={classSignups}
         reservations={reservations}
         myCards={myCards}
diff --git a/app/(app)/me/profile-form.tsx b/app/(app)/me/profile-form.tsx
index 5557f7a..2562a1c 100644
--- a/app/(app)/me/profile-form.tsx
+++ b/app/(app)/me/profile-form.tsx
@@ -7,6 +7,8 @@ import { Button } from '@/components/ui/button'
 import { Input } from '@/components/ui/input'
 import { Label } from '@/components/ui/label'
 import { Textarea } from '@/components/ui/textarea'
+import { ChipInput } from '@/components/chip-input'
+import { WILLING_TO_SUGGESTIONS } from '@/lib/profile-presets'
 import { updateMyProfile, discloseAffiliations, requestEmailChange } from '@/lib/actions'
 
 export type ProfileInitial = {
@@ -21,11 +23,11 @@ export type ProfileInitial = {
   affiliations: string[]
 }
 
-const toList = (s: string): string[] =>
-  s.split(',').map(x => x.trim()).filter(Boolean)
 const sameList = (a: string[], b: string[]) =>
   a.length === b.length && a.every((x, i) => x === b[i])
 
+const fieldLabel = 'font-mono text-[10px] tracking-widest text-muted-foreground uppercase'
+
 export function ProfileForm({ initial }: { initial: ProfileInitial }) {
   const router = useRouter()
   const [busy, setBusy] = useState(false)
@@ -35,10 +37,10 @@ export function ProfileForm({ initial }: { initial: ProfileInitial }) {
   const [handle, setHandle] = useState(initial.handle)
   const [phone, setPhone] = useState(initial.phone)
   const [bio, setBio] = useState(initial.bio)
-  const [skills, setSkills] = useState(initial.skills.join(', '))
-  const [interests, setInterests] = useState(initial.interests.join(', '))
-  const [willingTo, setWillingTo] = useState(initial.willing_to.join(', '))
-  const [affiliations, setAffiliations] = useState(initial.affiliations.join(', '))
+  const [skills, setSkills] = useState<string[]>(initial.skills)
+  const [interests, setInterests] = useState<string[]>(initial.interests)
+  const [willingTo, setWillingTo] = useState<string[]>(initial.willing_to)
+  const [affiliations, setAffiliations] = useState<string[]>(initial.affiliations)
 
   async function save() {
     if (!displayName.trim()) return toast.error('Display name is required.')
@@ -49,9 +51,9 @@ export function ProfileForm({ initial }: { initial: ProfileInitial }) {
       handle: handle.trim() || null,
       phone: phone.trim() || null,
       bio: bio.trim() || null,
-      skills: toList(skills),
-      interests: toList(interests),
-      willing_to: toList(willingTo),
+      skills,
+      interests,
+      willing_to: willingTo,
     })
     if ('error' in res && res.error) {
       setBusy(false)
@@ -60,9 +62,8 @@ export function ProfileForm({ initial }: { initial: ProfileInitial }) {
 
     // Only re-disclose affiliations when they actually changed, so the
     // conflict-of-interest disclosure timestamp is not reset on every save.
-    const nextAffiliations = toList(affiliations)
-    if (!sameList(nextAffiliations, initial.affiliations)) {
-      const aff = await discloseAffiliations({ affiliations: nextAffiliations })
+    if (!sameList(affiliations, initial.affiliations)) {
+      const aff = await discloseAffiliations({ affiliations })
       if ('error' in aff && aff.error) {
         setBusy(false)
         return toast.error(aff.error)
@@ -88,83 +89,94 @@ export function ProfileForm({ initial }: { initial: ProfileInitial }) {
   }
 
   return (
-   <div className="space-y-4">
-    <div className="bg-card rounded border border-border p-4 space-y-4">
-      <div className="grid gap-4 sm:grid-cols-2">
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-name">Display name</Label>
-          <Input id="pf-name" value={displayName} onChange={e => setDisplayName(e.target.value)} maxLength={100} />
+    <div className="space-y-4">
+      <div className="bg-card rounded-lg border border-border p-5 space-y-5">
+        <div className="grid gap-4 sm:grid-cols-2">
+          <div className="space-y-1.5">
+            <Label htmlFor="pf-name">Display name</Label>
+            <Input id="pf-name" value={displayName} onChange={e => setDisplayName(e.target.value)} maxLength={100} />
+          </div>
+          <div className="space-y-1.5">
+            <Label htmlFor="pf-handle">Handle</Label>
+            <Input id="pf-handle" value={handle} onChange={e => setHandle(e.target.value)} maxLength={50} placeholder="optional" />
+          </div>
+          <div className="space-y-1.5">
+            <Label htmlFor="pf-phone">Phone</Label>
+            <Input id="pf-phone" value={phone} onChange={e => setPhone(e.target.value)} maxLength={20} placeholder="optional" />
+          </div>
         </div>
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-handle">Handle</Label>
-          <Input id="pf-handle" value={handle} onChange={e => setHandle(e.target.value)} maxLength={50} placeholder="optional" />
-        </div>
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-phone">Phone</Label>
-          <Input id="pf-phone" value={phone} onChange={e => setPhone(e.target.value)} maxLength={20} placeholder="optional" />
-        </div>
-      </div>
 
-      <div className="space-y-1.5">
-        <Label htmlFor="pf-bio">Bio</Label>
-        <Textarea id="pf-bio" value={bio} onChange={e => setBio(e.target.value)} maxLength={2000} rows={3} placeholder="optional" />
-      </div>
+        <div className="space-y-1.5">
+          <Label htmlFor="pf-bio">Bio</Label>
+          <Textarea id="pf-bio" value={bio} onChange={e => setBio(e.target.value)} maxLength={2000} rows={3} placeholder="optional" />
+        </div>
 
-      <div className="grid gap-4 sm:grid-cols-2">
         <div className="space-y-1.5">
-          <Label htmlFor="pf-skills">Skills</Label>
-          <Input id="pf-skills" value={skills} onChange={e => setSkills(e.target.value)} placeholder="comma, separated" />
+          <span className={fieldLabel}>Skills</span>
+          <ChipInput values={skills} onChange={setSkills} placeholder="add a skill and press enter" maxLength={60} maxItems={40} />
         </div>
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-interests">Interests</Label>
-          <Input id="pf-interests" value={interests} onChange={e => setInterests(e.target.value)} placeholder="comma, separated" />
-        </div>
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-willing">Willing to</Label>
-          <Input id="pf-willing" value={willingTo} onChange={e => setWillingTo(e.target.value)} placeholder="comma, separated" />
-        </div>
-        <div className="space-y-1.5">
-          <Label htmlFor="pf-aff">Affiliations (conflict-of-interest)</Label>
-          <Input id="pf-aff" value={affiliations} onChange={e => setAffiliations(e.target.value)} placeholder="comma, separated" />
-        </div>
-      </div>
 
-      <div className="flex justify-end">
-        <Button size="sm" disabled={busy} onClick={save}>
-          {busy ? 'Saving…' : 'Save profile'}
-        </Button>
-      </div>
-    </div>
-
-    <div className="bg-card rounded border border-border p-4 space-y-3">
-      <div>
-        <p className="font-sans text-sm font-medium text-foreground">Login email</p>
-        <p className="font-mono text-[10px] text-muted-foreground mt-0.5">
-          {initial.email || 'not set'}
-        </p>
-      </div>
-      <div className="grid gap-4 sm:grid-cols-2">
         <div className="space-y-1.5">
-          <Label htmlFor="pf-email">New email</Label>
-          <Input
-            id="pf-email"
-            type="email"
-            value={newEmail}
-            onChange={e => setNewEmail(e.target.value)}
-            maxLength={254}
-            placeholder="new@email.com"
+          <span className={fieldLabel}>Interests</span>
+          <ChipInput values={interests} onChange={setInterests} placeholder="add an interest and press enter" maxLength={60} maxItems={40} />
+        </div>
+
+        <div className="space-y-1.5">
+          <span className={fieldLabel}>Willing to do</span>
+          <ChipInput
+            values={willingTo}
+            onChange={setWillingTo}
+            placeholder="add a role and press enter"
+            maxLength={60}
+            maxItems={20}
+            suggestions={WILLING_TO_SUGGESTIONS}
           />
+          <p className="font-sans text-xs text-muted-foreground">
+            Used by the board-only recruitment view when looking for members willing to take on a role.
+          </p>
+        </div>
+
+        <div className="space-y-1.5">
+          <span className={fieldLabel}>Affiliations (conflict-of-interest)</span>
+          <ChipInput values={affiliations} onChange={setAffiliations} placeholder="add an affiliation and press enter" maxLength={200} maxItems={50} />
+        </div>
+
+        <div className="flex justify-end">
+          <Button size="sm" disabled={busy} onClick={save}>
+            {busy ? 'Saving…' : 'Save profile'}
+          </Button>
         </div>
       </div>
-      <div className="flex items-center justify-between gap-3 flex-wrap">
-        <p className="font-sans text-xs text-muted-foreground">
-          You must confirm via links sent to both your current and new address.
-        </p>
-        <Button size="sm" variant="outline" disabled={emailBusy} onClick={changeEmail}>
-          {emailBusy ? 'Sending…' : 'Change email'}
-        </Button>
+
+      <div className="bg-card rounded-lg border border-border p-5 space-y-3">
+        <div>
+          <p className="font-sans text-sm font-medium text-foreground">Login email</p>
+          <p className="font-mono text-[10px] text-muted-foreground mt-0.5">
+            {initial.email || 'not set'}
+          </p>
+        </div>
+        <div className="grid gap-4 sm:grid-cols-2">
+          <div className="space-y-1.5">
+            <Label htmlFor="pf-email">New email</Label>
+            <Input
+              id="pf-email"
+              type="email"
+              value={newEmail}
+              onChange={e => setNewEmail(e.target.value)}
+              maxLength={254}
+              placeholder="new@email.com"
+            />
+          </div>
+        </div>
+        <div className="flex items-center justify-between gap-3 flex-wrap">
+          <p className="font-sans text-xs text-muted-foreground">
+            You must confirm via links sent to both your current and new address.
+          </p>
+          <Button size="sm" variant="outline" disabled={emailBusy} onClick={changeEmail}>
+            {emailBusy ? 'Sending…' : 'Change email'}
+          </Button>
+        </div>
       </div>
     </div>
-   </div>
   )
 }
diff --git a/app/(app)/profile/affiliations-form.tsx b/app/(app)/profile/affiliations-form.tsx
index 77a8ad7..c74779f 100644
--- a/app/(app)/profile/affiliations-form.tsx
+++ b/app/(app)/profile/affiliations-form.tsx
@@ -3,7 +3,7 @@
 import { useState, useTransition } from 'react'
 import { useRouter } from 'next/navigation'
 import { discloseAffiliations } from '@/lib/actions'
-import { ChipInput } from './chip-input'
+import { ChipInput } from '@/components/chip-input'
 
 export function AffiliationsForm({ initial }: { initial: { affiliations: string[] } }) {
   const router = useRouter()
diff --git a/app/(app)/profile/profile-form.tsx b/app/(app)/profile/profile-form.tsx
index 10e095b..71b5a3d 100644
--- a/app/(app)/profile/profile-form.tsx
+++ b/app/(app)/profile/profile-form.tsx
@@ -3,7 +3,8 @@
 import { useState, useTransition } from 'react'
 import { useRouter } from 'next/navigation'
 import { updateMyProfile } from '@/lib/actions'
-import { ChipInput } from './chip-input'
+import { ChipInput } from '@/components/chip-input'
+import { WILLING_TO_SUGGESTIONS } from '@/lib/profile-presets'
 
 type Props = {
   initial: {
@@ -16,16 +17,6 @@ type Props = {
   }
 }
 
-const WILLING_TO_SUGGESTIONS = [
-  'board_candidate',
-  'treasurer_candidate',
-  'host_volunteer',
-  'area_lead_candidate',
-  'event_organizer',
-  'safety_committee',
-  'docs_steward',
-]
-
 export function ProfileForm({ initial }: Props) {
   const router = useRouter()
   const [displayName, setDisplayName] = useState(initial.display_name)
diff --git a/app/(app)/settings/page.tsx b/app/(app)/settings/page.tsx
index 059aa49..0c370bb 100644
--- a/app/(app)/settings/page.tsx
+++ b/app/(app)/settings/page.tsx
@@ -1,6 +1,7 @@
 import { createClient } from '@/lib/supabase/server'
 import SettingsClient from './settings-client'
 import { StripeBillingPanel } from '@/components/settings/stripe-billing-panel'
+import { DuesPaymentMethodsPanel } from '@/components/settings/dues-payment-methods-panel'
 import { redirect } from 'next/navigation'
 
 export default async function SettingsPage() {
@@ -34,6 +35,7 @@ export default async function SettingsPage() {
         currentRole={member.role}
       />
       <StripeBillingPanel spaceId={member.space_id} />
+      <DuesPaymentMethodsPanel />
     </>
   )
 }
diff --git a/app/api/cron/notifications/route.ts b/app/api/cron/notifications/route.ts
index 9c2eb6c..e130e3f 100644
--- a/app/api/cron/notifications/route.ts
+++ b/app/api/cron/notifications/route.ts
@@ -17,6 +17,11 @@ import { timingSafeEqual } from 'node:crypto'
 import { createAdminClient } from '@/lib/supabase/admin'
 import { sendEmail } from '@/lib/email/send'
 import { isTerminalAttempt, MAX_NOTIFICATION_ATTEMPTS } from '@/lib/notifications-logic'
+import {
+  isMuted,
+  type PrefMap,
+  type NotificationCategory,
+} from '@/lib/notifications-prefs-logic'
 
 export const runtime = 'nodejs'
 export const dynamic = 'force-dynamic'
@@ -51,7 +56,7 @@ export async function POST(req: NextRequest) {
   const admin = createAdminClient()
   const { data: candidates, error } = await admin
     .from('notifications')
-    .select('id, space_id, recipient, subject, body_html, body_text, attempts')
+    .select('id, space_id, member_id, type, recipient, subject, body_html, body_text, attempts')
     .eq('status', 'pending')
     .eq('channel', 'email')
     .lt('attempts', MAX_NOTIFICATION_ATTEMPTS)
@@ -87,11 +92,50 @@ export async function POST(req: NextRequest) {
     }
   }
 
+  // Per-member notification preferences for the rows we're about to drain.
+  // member_id is a space_members PK (globally unique), so keying by it alone is
+  // unambiguous across spaces. A row whose type maps to a category the member
+  // muted is marked 'skipped' (a terminal status) so it leaves the pending pool
+  // instead of being re-scanned every minute. Billing types and unmapped types
+  // are never muteable (see notifications-prefs-logic). member_id null (e.g. a
+  // future broadcast) has no member to have a preference, so it always sends.
+  const memberIds = Array.from(
+    new Set((rows ?? []).map(r => r.member_id as string | null).filter((m): m is string => !!m)),
+  )
+  const prefsByMember = new Map<string, PrefMap>()
+  if (memberIds.length > 0) {
+    const { data: prefRows, error: prefErr } = await admin
+      .from('notification_preferences')
+      .select('member_id, category, enabled')
+      .in('member_id', memberIds)
+    // Fail open: if the prefs lookup errors, send everything rather than risk
+    // silently dropping a wanted (e.g. dues-failure) email on a transient blip.
+    if (prefErr) console.error('[cron/notifications] prefs lookup failed:', prefErr.message)
+    for (const p of prefRows ?? []) {
+      const mid = p.member_id as string
+      if (!prefsByMember.has(mid)) prefsByMember.set(mid, {})
+      prefsByMember.get(mid)![p.category as NotificationCategory] = p.enabled as boolean
+    }
+  }
+
   let sent = 0
   let failed = 0
   let retried = 0
+  let skipped = 0
 
   for (const row of rows ?? []) {
+    const memberId = row.member_id as string | null
+    if (memberId && isMuted(prefsByMember.get(memberId) ?? {}, row.type as string)) {
+      // No send, no Resend call, no rate-limit spacing: muted rows are cheap.
+      await admin
+        .from('notifications')
+        .update({ status: 'skipped', last_error: null })
+        .eq('id', row.id)
+        .eq('status', 'pending')
+      skipped++
+      continue
+    }
+
     const res = await sendEmail({
       to: row.recipient as string,
       subject: row.subject as string,
@@ -135,5 +179,5 @@ export async function POST(req: NextRequest) {
     if (SPACING_MS) await sleep(SPACING_MS)
   }
 
-  return NextResponse.json({ scanned: rows?.length ?? 0, sent, failed, retried })
+  return NextResponse.json({ scanned: rows?.length ?? 0, sent, failed, retried, skipped })
 }
diff --git a/components/billing/dues-card.tsx b/components/billing/dues-card.tsx
index 3807302..f88fa4e 100644
--- a/components/billing/dues-card.tsx
+++ b/components/billing/dues-card.tsx
@@ -5,25 +5,45 @@ import { toast } from 'sonner'
 import { Button } from '@/components/ui/button'
 import { Badge } from '@/components/ui/badge'
 import { startDuesCheckout, startBillingPortal } from '@/lib/actions'
+import { DUES_PLATFORM_LABEL, type DuesLinkPlatform } from '@/lib/dues-payments-logic'
 
-type Billing = { status: string | null; currentPeriodEnd: string | null; hasCustomer: boolean } | null
+type Billing = {
+  status: string | null
+  currentPeriodEnd: string | null
+  hasCustomer: boolean
+  configured: boolean
+} | null
+
+export type DuesMethod = {
+  platform: string
+  url: string
+  instructions: string | null
+}
 
 const PAID = new Set(['active', 'trialing'])
 
-export function DuesCard({ billing }: { billing: Billing }) {
+const platformLabel = (p: string) =>
+  DUES_PLATFORM_LABEL[p as DuesLinkPlatform] ?? p
+
+export function DuesCard({ billing, methods = [] }: { billing: Billing; methods?: DuesMethod[] }) {
   const [busy, setBusy] = useState(false)
   const paid = !!billing?.status && PAID.has(billing.status)
+  const stripeReady = !!billing?.configured
+  const hasAltMethods = methods.length > 0
 
   async function go(fn: () => Promise<{ error?: string } | { data: { url: string } }>) {
     setBusy(true)
     const res = await fn()
-    if ('error' in res && res.error) { setBusy(false); return toast.error(res.error) }
+    if ('error' in res && res.error) {
+      setBusy(false)
+      return toast.error(res.error)
+    }
     window.location.href = (res as { data: { url: string } }).data.url
   }
 
   return (
-    <div className="bg-card rounded border border-border p-4">
-      <div className="flex items-center justify-between gap-3 flex-wrap">
+    <div className="bg-card rounded-lg border border-border p-5 space-y-4">
+      <div className="flex items-start justify-between gap-3 flex-wrap">
         <div>
           <p className="font-sans text-sm font-medium text-foreground">Membership dues</p>
           {billing?.status ? (
@@ -41,18 +61,61 @@ export function DuesCard({ billing }: { billing: Billing }) {
           <Badge variant={paid ? 'default' : 'outline'}>{paid ? 'Current' : 'Action needed'}</Badge>
         )}
       </div>
-      <div className="flex gap-2 mt-3">
-        {!paid && (
-          <Button size="sm" disabled={busy} onClick={() => go(startDuesCheckout)}>
-            {busy ? 'Opening…' : 'Pay dues'}
-          </Button>
-        )}
-        {billing?.hasCustomer && (
-          <Button size="sm" variant="outline" disabled={busy} onClick={() => go(startBillingPortal)}>
-            Manage billing
-          </Button>
-        )}
-      </div>
+
+      {/* Stripe Checkout / Portal: only when the space has Stripe set up. */}
+      {(stripeReady && (!paid || billing?.hasCustomer)) && (
+        <div className="flex gap-2">
+          {!paid && (
+            <Button size="sm" disabled={busy} onClick={() => go(startDuesCheckout)}>
+              {busy ? 'Opening…' : 'Pay dues with card'}
+            </Button>
+          )}
+          {billing?.hasCustomer && (
+            <Button size="sm" variant="outline" disabled={busy} onClick={() => go(startBillingPortal)}>
+              Manage billing
+            </Button>
+          )}
+        </div>
+      )}
+
+      {/* Admin-configured external links. Shown when the member still owes dues. */}
+      {!paid && hasAltMethods && (
+        <div className="space-y-2">
+          <p className="font-mono text-[10px] uppercase tracking-widest text-muted-foreground">
+            {stripeReady ? 'Other ways to pay' : 'Pay your dues'}
+          </p>
+          <div className="flex flex-col gap-2">
+            {methods.map(m => (
+              <a
+                key={m.platform}
+                href={m.url}
+                target="_blank"
+                rel="noopener noreferrer"
+                className="flex items-center justify-between gap-3 rounded border border-border bg-background px-3 py-2 hover:border-primary transition"
+              >
+                <div className="min-w-0">
+                  <span className="font-sans text-sm text-foreground">Pay with {platformLabel(m.platform)}</span>
+                  {m.instructions && (
+                    <p className="font-sans text-xs text-muted-foreground mt-0.5">{m.instructions}</p>
+                  )}
+                </div>
+                <span className="font-mono text-[10px] text-muted-foreground shrink-0">open ↗</span>
+              </a>
+            ))}
+          </div>
+          <p className="font-sans text-xs text-muted-foreground">
+            These open an external payment page. Your payment is recorded by a treasurer after it
+            clears.
+          </p>
+        </div>
+      )}
+
+      {/* Nothing set up at all. */}
+      {!paid && !stripeReady && !hasAltMethods && (
+        <p className="font-sans text-sm text-muted-foreground">
+          Online dues payment isn&rsquo;t set up for this space yet. Contact an admin to pay your dues.
+        </p>
+      )}
     </div>
   )
 }
diff --git a/app/(app)/profile/chip-input.tsx b/components/chip-input.tsx
similarity index 100%
rename from app/(app)/profile/chip-input.tsx
rename to components/chip-input.tsx
diff --git a/components/settings/dues-payment-methods-panel.tsx b/components/settings/dues-payment-methods-panel.tsx
new file mode 100644
index 0000000..3226d22
--- /dev/null
+++ b/components/settings/dues-payment-methods-panel.tsx
@@ -0,0 +1,149 @@
+'use client'
+
+import { useEffect, useState } from 'react'
+import { toast } from 'sonner'
+import { Button } from '@/components/ui/button'
+import { Switch } from '@/components/ui/switch'
+import {
+  DUES_LINK_PLATFORMS,
+  DUES_PLATFORM_LABEL,
+  type DuesLinkPlatform,
+} from '@/lib/dues-payments-logic'
+import {
+  listDuesPaymentMethods,
+  upsertDuesPaymentMethod,
+  deleteDuesPaymentMethod,
+} from '@/lib/actions'
+
+const input =
+  'w-full bg-background border border-border text-foreground font-sans text-sm rounded px-3 py-2 focus:outline-none focus:border-primary'
+
+type Row = { url: string; instructions: string; isActive: boolean; exists: boolean }
+type RowMap = Record<DuesLinkPlatform, Row>
+
+const emptyRows = (): RowMap =>
+  Object.fromEntries(
+    DUES_LINK_PLATFORMS.map(p => [p, { url: '', instructions: '', isActive: true, exists: false }]),
+  ) as RowMap
+
+export function DuesPaymentMethodsPanel() {
+  const [rows, setRows] = useState<RowMap | null>(null)
+  const [busy, setBusy] = useState<DuesLinkPlatform | null>(null)
+
+  async function load() {
+    const next = emptyRows()
+    const r = await listDuesPaymentMethods()
+    if ('data' in r) {
+      for (const m of r.data) {
+        const p = m.platform as DuesLinkPlatform
+        if (next[p]) next[p] = { url: m.url, instructions: m.instructions ?? '', isActive: m.isActive, exists: true }
+      }
+    }
+    setRows(next)
+  }
+  useEffect(() => {
+    load()
+  }, [])
+
+  if (!rows) return null
+
+  function set(p: DuesLinkPlatform, patch: Partial<Row>) {
+    setRows(prev => (prev ? { ...prev, [p]: { ...prev[p], ...patch } } : prev))
+  }
+
+  async function save(p: DuesLinkPlatform) {
+    const row = rows![p]
+    if (!row.url.trim()) return toast.error('Enter a payment URL first.')
+    setBusy(p)
+    const res = await upsertDuesPaymentMethod({
+      platform: p,
+      url: row.url.trim(),
+      instructions: row.instructions.trim() || null,
+      is_active: row.isActive,
+      sort_order: DUES_LINK_PLATFORMS.indexOf(p),
+    })
+    setBusy(null)
+    if ('error' in res) return toast.error(res.error)
+    toast.success(`${DUES_PLATFORM_LABEL[p]} saved`)
+    load()
+  }
+
+  async function remove(p: DuesLinkPlatform) {
+    setBusy(p)
+    const res = await deleteDuesPaymentMethod({ platform: p })
+    setBusy(null)
+    if ('error' in res) return toast.error(res.error)
+    toast.success(`${DUES_PLATFORM_LABEL[p]} removed`)
+    load()
+  }
+
+  return (
+    <div className="p-4 md:p-6 border-t border-border">
+      <div className="max-w-2xl space-y-3">
+        <h2 className="font-mono text-[10px] uppercase tracking-widest text-muted-foreground">
+          Other ways to pay dues
+        </h2>
+        <p className="font-sans text-xs text-muted-foreground">
+          Add an external payment link per platform (PayPal, Zeffy, Venmo). Members see active links
+          on their membership page and pay you directly there. Payments are not recorded
+          automatically: reconcile them later in Payments.
+        </p>
+
+        <div className="space-y-4">
+          {DUES_LINK_PLATFORMS.map(p => {
+            const row = rows[p]
+            return (
+              <div key={p} className="rounded border border-border bg-background p-3 space-y-2">
+                <div className="flex items-center justify-between">
+                  <span className="font-sans text-sm font-medium text-foreground">
+                    {DUES_PLATFORM_LABEL[p]}
+                  </span>
+                  <label className="flex items-center gap-2">
+                    <span className="font-mono text-[10px] uppercase tracking-widest text-muted-foreground">
+                      {row.isActive ? 'shown' : 'hidden'}
+                    </span>
+                    <Switch
+                      checked={row.isActive}
+                      onCheckedChange={next => set(p, { isActive: next })}
+                      aria-label={`Show ${DUES_PLATFORM_LABEL[p]} to members`}
+                    />
+                  </label>
+                </div>
+                <input
+                  className={input}
+                  value={row.url}
+                  onChange={e => set(p, { url: e.target.value })}
+                  placeholder="https://… payment link"
+                  inputMode="url"
+                  maxLength={500}
+                />
+                <input
+                  className={input}
+                  value={row.instructions}
+                  onChange={e => set(p, { instructions: e.target.value })}
+                  placeholder="Instructions, e.g. put your member name in the note (optional)"
+                  maxLength={300}
+                />
+                <div className="flex gap-2">
+                  <Button size="sm" disabled={busy === p} onClick={() => save(p)}>
+                    {busy === p ? 'Saving…' : 'Save'}
+                  </Button>
+                  {row.exists && (
+                    <Button
+                      size="sm"
+                      variant="outline"
+                      disabled={busy === p}
+                      onClick={() => remove(p)}
+                    >
+                      Remove
+                    </Button>
+                  )}
+                </div>
+              </div>
+            )
+          })}
+        </div>
+      </div>
+    </div>
+  )
+}
diff --git a/docs/ARCHITECTURE.md b/docs/ARCHITECTURE.md
index c13f896..904acc8 100644
--- a/docs/ARCHITECTURE.md
+++ b/docs/ARCHITECTURE.md
@@ -685,6 +685,30 @@ zero-decimal currencies (JPY/KRW/VND/etc. are NOT rescaled `/100`, via
 the real cause is logged server-side. Phases 2-3 (transactional
 notifications, broader self-serve) build on this.
 
+### Alternate dues payment methods (migration 049)
+
+Not every space uses Stripe. An admin can configure external pay-here links
+per platform (`dues_payment_methods`, one row per `(space_id, payment_platform)`
+for PayPal / Zeffy / Venmo) under `/settings`; members see the active ones as
+click-out buttons in the `/me` dues card and pay off-platform; a treasurer
+reconciles the resulting payment manually through the existing payments flow.
+The row carries the `payment_platform` tag precisely so that manual reconcile
+is pre-typed. This is link configuration only: there is NO automated payment
+record on click, no webhook, no money handled in-app. Pure logic in
+`lib/dues-payments-logic.ts` (the url-based platform subset + labels +
+`isSafeDuesUrl`, which requires an absolute `https:` URL so an admin-entered
+value cannot become an XSS or plaintext-downgrade vector; the Zod schema reuses
+it) is unit-tested. RLS: SELECT = any space member (they render the buttons),
+INSERT/UPDATE/DELETE = admin/board (`user_has_role_in_space`); the member-read
+and admin-write server actions are in `lib/actions/dues-payments.ts`. Links are
+rendered with `target="_blank" rel="noopener noreferrer"`.
+
+The `/me` dues card (`components/billing/dues-card.tsx`) gates the Stripe
+"Pay dues with card" button on whether the space actually has Stripe configured
+(`getMyBilling` now returns a `configured` flag from `isStripeConfigured`), so a
+space with no Stripe shows only its external links (or, if neither is set up, a
+"contact an admin" note) instead of a dead Checkout button.
+
 ### Transactional notifications (migration 041; product spine Phase 2)
 
 Outbox + dispatcher, not inline send. The Stripe webhook only writes a
@@ -771,6 +795,41 @@ Every enqueue is best-effort and wrapped: a notifications-table or
 permission-lookup failure can never throw into the calling action, so the
 underlying domain mutation always finalizes.
 
+### Member notification preferences (migration 048; product spine Phase 5)
+
+Per-member opt-out of muteable notification categories. The 11 event types map
+to five categories in pure logic (`lib/notifications-prefs-logic.ts`,
+unit-tested): `billing` (the three dues types), `bookings`, `classes`, `forms`
+(submitter receipts), and `admin_alerts` (the `form_submission_admin` fan-out).
+`billing` is deliberately NOT muteable: dues renewed / payment-failed / lapsed
+are membership-critical (a muted lapse notice would let a member silently lose
+access for non-payment), so they always send and never render a toggle. The
+other four are muteable, default-on (opt-out model: a member who never touches
+the toggles keeps today's behavior). Adding a new event type only needs a line
+in `TYPE_CATEGORY` and a renderer; the storage and dispatcher do not change.
+
+The preference is enforced at **dispatch time**, not enqueue time: the domain
+actions and the Stripe webhook are unchanged and still enqueue every row. The
+dispatcher batch-loads the preferences for the members in the drain set (keyed
+by `member_id`, a globally-unique `space_members` PK) and, via the pure
+`isMuted(prefs, type)`, marks a muted row `skipped` (a terminal status that
+leaves the pending pool) instead of calling the mail provider. No send, no
+Resend call, no rate-limit spacing for a muted row. The prefs lookup fails open
+(send everything) on error, so a transient blip can never silently drop a
+wanted email. Billing and unmapped types are never muted regardless of stored
+prefs (defense-in-depth, tested). This governs emails sent and inbox noise (the
+real cost and the volume governor for the Phase 4 fan-outs), not table rows.
+
+`notification_preferences` (PK `(space_id, member_id, category)`) has RLS
+enabled and **no client policy** (default-deny), the same convention as
+`notifications` / `member_billing`: the member self-view
+(`getMyNotificationPreferences`) and the toggle write
+(`setMyNotificationPreference`, Zod-validated to the muteable categories only,
+upsert scoped to the caller's own member row) both go through validated
+service-client actions, and the dispatcher reads via the service client. The
+toggles render on the `/me` Activity tab; a `skipped` row shows as "Muted" in
+the member's own notification history. No new permission code.
+
 ### Member self-serve portal (`/me`; product spine Phase 3)
 
 `/me` is a 3-tab portal (Profile / Membership / Activity). The server page does all data fetching and passes plain data to a single client portal component (`me-portal-client.tsx`) that owns tab state and rendering; the read-only sections were moved verbatim from the prior flat page (no behavior change in the shell). Profile editing and inline cancels reuse existing server actions (`updateMyProfile`, `discloseAffiliations`, `cancelMySignup`, `cancelReservation`) — no new mutation surface, server-side ownership/space scoping unchanged. `getMyPayments` follows the established service-client self-view convention (treasurer-scoped RLS, strictly scoped to the caller). Self-service email change goes through Supabase Auth (`updateUser` + `/auth/confirm` `verifyOtp`); the denormalized `space_members.email` is synced only post-verification. The email-change flow depends on Supabase project config (template + redirect allowlist; see DEPLOYMENT) and is inert until that is set. No new permission code, no schema change.
@@ -783,6 +842,6 @@ underlying domain mutation always finalizes.
 2. **Payment integrations** - Stripe recurring dues IS integrated (product spine Phase 1: per-space keys, hosted Checkout/Portal, the per-space signed webhook). A PayPal sync endpoint exists (`app/api/paypal/sync/route.ts`). Manual import/CSV reconciliation remains the path for ad-hoc/other-platform payments; Zeffy/Venmo live APIs are not integrated.
 3. **Social auth** - GitHub/Google sign-in is wired, gated by the `NEXT_PUBLIC_OAUTH_GITHUB`/`NEXT_PUBLIC_OAUTH_GOOGLE` env flags.
 4. **Webhooks** - The HMAC signing contract and secret rotation exist; per-event delivery is not implemented (see `docs/WEBHOOKS.md`).
-5. **Email notifications** - Dues-lifecycle (Phase 2; migration 041) plus booking, class signup, and form-submission events (Phase 4; migration 047) all reuse the same outbox + dispatcher. Member notification preferences (per-type opt-in/out) and an in-app notification center are the next planned passes; today every event is enqueued unconditionally.
+5. **Email notifications** - Dues-lifecycle (Phase 2; migration 041) plus booking, class signup, and form-submission events (Phase 4; migration 047) all reuse the same outbox + dispatcher. Member notification preferences (Phase 5; migration 048) let a member opt out of the muteable categories (bookings, classes, forms, admin alerts); billing is always-on. Enforced at dispatch time (muted rows are marked `skipped`, never sent). An in-app notification center (read/unread state) is the remaining planned pass.
 6. **Search** - Client-side filtering only, no server-side full-text search.
 7. **Single space per user** - The auth resolver assumes one active membership per user; a user in 2+ spaces is not supported (no space switcher). Fails closed.
diff --git a/docs/DATABASE_SCHEMA.md b/docs/DATABASE_SCHEMA.md
index 87cdc04..3e2dbd8 100644
--- a/docs/DATABASE_SCHEMA.md
+++ b/docs/DATABASE_SCHEMA.md
@@ -728,6 +728,8 @@ migration is mirrored as a section in it. Tables/columns added:
 | 045 | `class_signup_tx(p_session_id,p_space_id,p_member_id)` + `class_cancel_tx(...)` SECURITY DEFINER, `search_path=public`. Each takes `pg_advisory_xact_lock(hashtext(session_id))` then does the capacity-decision+dup-check+insert (signup) or cancel+conditional waitlist-promote (cancel) atomically. Closes the concurrent over-enroll / double-promote races (dynamic capacity can't be a constraint). Mirrors `computeSignupStatus`/`pickPromotion`; the SQL is the runtime authority. No new table/column/policy |
 | 046 | `user_has_role_in_space` and `user_has_permission` extended with `status IN ('current','late')` (mirrors `lib/permissions` `PRIVILEGE_STATUSES`). RLS-layer defense-in-depth for D2 (the require_approval / unverified-admin escalation): a non-privilege-eligible member who somehow bypassed the app guards still cannot exercise a role or permission. `get_user_space_ids` and `user_effective_roles` are deliberately NOT gated so unverified members keep their own /me + onboarding reads (the legitimate require_approval flow). No new table/column/policy |
 | 047 | `members_with_permission(sid, perm)` SECURITY DEFINER, `search_path=public`. Inverted, set-returning form of `user_has_permission`: returns `member_id` for every member of `sid` who holds `perm` (same current/late status gate as 046, same admin shortcut, same `space_role_permissions` + `user_effective_roles` fallback). Lets the Phase 4 notification fan-outs (e.g. `form_submission_admin`) find permission holders in one query instead of N round-trips. EXECUTE is locked: `REVOKE EXECUTE FROM PUBLIC`, `GRANT EXECUTE TO service_role` so the set-returning shape cannot be used by a PostgREST client to enumerate "who has permission X in space Y" across spaces (the rationale for not locking `user_has_permission` is that RLS policies depend on anon/authenticated being able to call it). Additive; existing `user_has_permission` callers unchanged. No new table/column/policy |
+| 048 | `notification_preferences` (Product spine Phase 5): per-member opt-out of muteable categories. Columns `space_id, member_id, category, enabled`, PK `(space_id, member_id, category)`. Opt-out model: absence of a row = enabled. Only the four muteable categories (`bookings, classes, forms, admin_alerts`) are ever stored; `billing` (dues renewed/failed/lapsed) is membership-critical and never muteable. RLS enabled, NO client policy (default-deny): the dispatcher reads via the service client and marks a muted outbox row `skipped`; the `/me` self-view + toggle write both go through validated service-client actions, same convention as `notifications` / `member_billing`. `touch_updated_at` trigger. No new permission code |
+| 049 | `dues_payment_methods`: admin-configured external dues payment links. Columns `id, space_id, platform (payment_platform), url, instructions, is_active, sort_order`, `UNIQUE (space_id, platform)`. One external pay-here URL per platform (PayPal/Zeffy/Venmo); members click out to pay dues off-platform and a treasurer reconciles manually via the existing payments flow (the platform tag pre-types that reconcile). Link configuration only, no automated payment record. RLS: SELECT = any space member (they render the buttons); INSERT/UPDATE/DELETE = admin/board (`user_has_role_in_space`). `url` is validated absolute-https at the server-action boundary. `touch_updated_at` trigger. No new permission code |
 
 New enum: `comment_entity_type` = `forum_thread | proposal | incident | policy`.
 
diff --git a/docs/HANDOFF.md b/docs/HANDOFF.md
index 5d8340a..27cafec 100644
--- a/docs/HANDOFF.md
+++ b/docs/HANDOFF.md
@@ -4,6 +4,62 @@ Append-only. Newest entries on top. Keep each entry to one screen.
 
 ---
 
+## 2026-05-19 (pass 58): Dues payment options + /me visual pass (LOCAL, NOT deployed)
+
+Branch `main`. Same session as pass-57; addressed three follow-up requests the user raised after the notification-prefs work. Suite 593 (was 585; +8 dues-payments tests), build clean. NOT deployed. Stacks on top of the uncommitted pass-57 changes.
+
+### Design forks (locked via AskUserQuestion)
+- /me polish scope: **full visual pass** (chips/presets restored AND broader tightening), staged for user review.
+- Alternate payment model: **platform-typed** (tied to the `payment_platform` enum, one URL per platform, pre-tagged for manual reconcile), not free-form.
+
+### Shipped (local, uncommitted)
+- **Alternate dues payment methods (migration 049).** New `dues_payment_methods` table (one row per `(space_id, platform)`, PayPal/Zeffy/Venmo), RLS SELECT = space member / write = admin/board. Pure logic `lib/dues-payments-logic.ts` (`DUES_LINK_PLATFORMS`, labels, `isSafeDuesUrl` = absolute-https only; the Zod schema reuses it). Actions `lib/actions/dues-payments.ts` (member `listActiveDuesPaymentMethods`; admin `listDuesPaymentMethods` / `upsertDuesPaymentMethod` / `deleteDuesPaymentMethod`). Admin UI `components/settings/dues-payment-methods-panel.tsx` appended to `/settings`. Member UI = the reworked dues card. Link configuration only: no payment record on click, treasurer reconciles manually via the existing payments flow (platform pre-typed). schema.sql + types + DATABASE_SCHEMA + DB_SCHEMA_MAP updated same-change.
+- **Stripe dues UI gated on configuration.** `getMyBilling` now returns a `configured` flag (`isStripeConfigured`); the dues card shows the Stripe "Pay dues with card" button only when the space has Stripe set up. With no Stripe + no external links it shows a "contact an admin" note instead of a dead Checkout button.
+- **/me full visual pass.** The Phase-3 `/me` profile editor had regressed to plain comma-separated text inputs; restored the chip/preset editor. Promoted `ChipInput` to a shared `components/chip-input.tsx` and `WILLING_TO_SUGGESTIONS` to `lib/profile-presets.ts`; both `/me` and `/profile` now use them (deduped; deleted `app/(app)/profile/chip-input.tsx`). `/me` profile-form: skills/interests/willing-to/affiliations are now chips (willing-to with the recruitment-role suggestions); cards use `rounded-lg`, consistent field labels. Dues card restyled.
+
+### Audit (one pass)
+- Made `isSafeDuesUrl` load-bearing (the Zod url field now refines on it, removing the duplicate inline https check). Verified ChipInput limits match the profile Zod schema (skills/interests 40×60, willing_to 20×60, affiliations 50×200). Confirmed `getMyBilling`'s only real caller is `/me` (shape change from `null` to always-object is safe). External links render `target=_blank rel=noopener noreferrer`; url validated absolute-https so no javascript:/data: scheme.
+
+### NOT done / open
+- **NOT deployed, NOT committed.** Migrations 048 (notification_preferences, pass-57) + 049 (dues_payment_methods) both apply on deploy. No new env var; DEPLOYMENT unchanged.
+- **Browser click-through not done.** Verified type-check + build + 593 unit tests only; `/me` and `/settings` are auth-gated and need a live Supabase session + a space (and Stripe/links data) to render. The /me visual pass is explicitly staged for the user to review in a browser. Flagging per the working agreement (do not claim UI success without rendering it).
+- **No integration test** for dues_payment_methods RLS or the dispatcher skip (pass-57). Pure logic for both is unit-covered. Recommended follow-up (harness exists).
+- **Deploy bundling decision pending:** pass-57 (notification prefs) + pass-58 can ship together (one deploy, migrations 048+049) or separately. Awaiting user go.
+
+---
+
+## 2026-05-19 (pass 57): Product spine Phase 5: member notification preferences (LOCAL, NOT deployed)
+
+Branch `main`. Took backlog item 2: per-member opt-out of muteable notification categories, doubling as the volume governor for the Phase 4 fan-outs. Design-first via AskUserQuestion. Suite 585 (was 572; +13 prefs tests), build clean. NOT deployed.
+
+### Design forks (locked via AskUserQuestion)
+- Granularity: **per-category** (4 toggles: bookings, classes, forms, admin_alerts), not per-type or global.
+- Critical email: **billing always-on** (dues renewed/failed/lapsed never muteable; a muted lapse notice would let a member silently lose access).
+- Enforcement point: **dispatch-time skip** (rows still enqueue; dispatcher marks muted rows `skipped`), not enqueue-time suppression. Keeps pref logic in one place; the 5 enqueue call sites + the money-path webhook are untouched.
+- Asserted (not asked): opt-out / default-on (opt-in would silently break transactional delivery).
+
+### Shipped (local, uncommitted)
+- **Pure logic** `lib/notifications-prefs-logic.ts`: 5 categories, `TYPE_CATEGORY` map (all 11 types), `categoryForType`, `isMuted` (billing + unmapped types never mute), `CATEGORY_META` for the UI. 13 unit tests.
+- **Migration 048** + schema.sql: `notification_preferences` (PK `(space_id, member_id, category)`), RLS on, NO client policy (default-deny, same convention as notifications/member_billing). types/database.ts + DATABASE_SCHEMA.md + DB_SCHEMA_MAP.md updated same-change.
+- **Dispatcher** (`app/api/cron/notifications/route.ts`): selects member_id + type, batch-loads prefs for the drain set (keyed by member_id, a globally-unique PK), marks muted rows `skipped` (terminal, leaves pending pool, no send/Resend/spacing). Prefs lookup fails open (send everything) on error so a blip can't drop a wanted email. Response gains a `skipped` count.
+- **Actions** (`lib/actions/notifications.ts`): `getMyNotificationPreferences` (defaults all muteable on, overlays stored rows) + `setMyNotificationPreference` (Zod enum excludes billing, upsert scoped to caller's own member row). Both service-client, requireMember-gated.
+- **UI**: `/me` Activity tab gains an "Email preferences" section (4 Switch toggles, optimistic + revert-on-error); the notification history badge now renders `skipped` as "Muted".
+
+### Audit (one pass)
+No deploy-blocking bug found. Verified: write/read both scoped to the authenticated member (no cross-member write — member_id comes from session, not input); billing not settable (Zod) and never muted (logic + test); `skipped` is terminal so muted rows clear the pending pool in one run and never re-scan; overlapping dispatcher runs can't double-act (the existing `.eq('status','pending')` guard); member_id-keyed prefs map is unambiguous (space_members PK is global). Made one improvement during audit: explicit fail-open + log on the prefs-query error.
+
+### Open / not done
+- **NOT deployed.** Awaiting user go (push to main = prod; migration 048 applies on deploy). Same-as-Phase-4: inert until Resend + CRON_SECRET + crontab are provisioned, but the skip logic is exercised the moment a member toggles + the dispatcher runs.
+- **No integration test yet** for the dispatcher skip path. Pure `isMuted` is unit-covered; the dispatcher wiring (prefs query + skip write) is not. Flagged as a recommended follow-up (the harness exists; pattern is stripe-webhook.test.ts). Deliberate, not an omission.
+- **API_REFERENCE.md** still predates the whole notification subsystem (Phases 2-5 self-view actions absent). Pre-existing drift, not introduced here; documented in ARCHITECTURE prose subsections instead (matches Phases 2-4).
+
+### NEW user requests this session (queued, address next, NOT started)
+1. **/me UI degradation.** `willing_to` (likely also skills/interests) renders as a raw comma-separated list instead of the preset chip selector it used to have. Restore the preset editor. Own commit (separate from the prefs toggles even though same file).
+2. **Gate the Stripe dues UI on configuration.** If a space hasn't set up Stripe, the pay-dues-via-Stripe UI on `/me` should not show (dead path today).
+3. **Admin-configurable alternate dues payment links.** Admin sets payment URLs per method (PayPal/Zeffy/Venmo/etc); members see them as dues-payment options, click through to the external page, admin reconciles manually later. Money-adjacent new subsystem: design-first via AskUserQuestion before building. Separate deploy.
+
+---
+
 ## 2026-05-19 (pass 56): Product spine Phase 4: notification breadth (DEPLOYED)
 
 Branch `main`. Took item 3 from the pass-55 backlog: booking, class signup, and form-submission notifications, reusing the Phase 2 outbox + dispatcher unchanged. Built per sub-phase, gated each, small commit per sub-phase, single deploy at the end of the set. Suite 565 (was 532; +33 new tests), build clean. NOT deployed.
diff --git a/lib/actions/dues-payments.ts b/lib/actions/dues-payments.ts
new file mode 100644
index 0000000..4c109ff
--- /dev/null
+++ b/lib/actions/dues-payments.ts
@@ -0,0 +1,124 @@
+'use server'
+
+import { revalidatePath } from 'next/cache'
+import { createClient } from '@/lib/supabase/server'
+import { requireMember, requireMemberWithRole, parseInput } from '@/lib/auth-helpers'
+import { ADMIN_ROLES } from '@/lib/permissions'
+import { duesPaymentMethodSchema } from '@/lib/validations'
+
+export type DuesPaymentMethod = {
+  platform: string
+  url: string
+  instructions: string | null
+  isActive: boolean
+  sortOrder: number
+}
+
+// Member-facing: the ACTIVE external dues payment links for the caller's space,
+// in display order. RLS (SELECT = space member) scopes this; we still pin
+// space_id for clarity. Used by the /me dues UI to render click-out buttons.
+export async function listActiveDuesPaymentMethods(): Promise<
+  { data: DuesPaymentMethod[] } | { error: string }
+> {
+  const supabase = await createClient()
+  const auth = await requireMember(supabase)
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const { data } = await supabase
+    .from('dues_payment_methods')
+    .select('platform, url, instructions, is_active, sort_order')
+    .eq('space_id', member.space_id)
+    .eq('is_active', true)
+    .order('sort_order', { ascending: true })
+
+  return { data: (data ?? []).map(toMethod) }
+}
+
+// Admin-facing: every configured method (active + inactive) for the management
+// UI in /settings.
+export async function listDuesPaymentMethods(): Promise<
+  { data: DuesPaymentMethod[] } | { error: string }
+> {
+  const supabase = await createClient()
+  const auth = await requireMemberWithRole(supabase, ADMIN_ROLES, 'Admin access required')
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const { data } = await supabase
+    .from('dues_payment_methods')
+    .select('platform, url, instructions, is_active, sort_order')
+    .eq('space_id', member.space_id)
+    .order('sort_order', { ascending: true })
+
+  return { data: (data ?? []).map(toMethod) }
+}
+
+// Admin: create or update the link for one platform (idempotent on
+// (space_id, platform)). The RLS write policies re-check the admin/board role.
+export async function upsertDuesPaymentMethod(
+  input: unknown,
+): Promise<{ ok: true } | { error: string }> {
+  const supabase = await createClient()
+  const auth = await requireMemberWithRole(supabase, ADMIN_ROLES, 'Admin access required')
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const v = parseInput(duesPaymentMethodSchema, input)
+  if (!v.ok) return { error: v.error }
+  const s = v.data
+
+  const { error } = await supabase.from('dues_payment_methods').upsert(
+    {
+      space_id: member.space_id,
+      platform: s.platform,
+      url: s.url,
+      instructions: s.instructions ?? null,
+      is_active: s.is_active ?? true,
+      sort_order: s.sort_order ?? 0,
+    },
+    { onConflict: 'space_id,platform' },
+  )
+  if (error) return { error: 'Could not save the payment method.' }
+
+  revalidatePath('/settings')
+  revalidatePath('/me')
+  return { ok: true }
+}
+
+// Admin: remove the link for one platform entirely.
+export async function deleteDuesPaymentMethod(input: {
+  platform: string
+}): Promise<{ ok: true } | { error: string }> {
+  const supabase = await createClient()
+  const auth = await requireMemberWithRole(supabase, ADMIN_ROLES, 'Admin access required')
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const { error } = await supabase
+    .from('dues_payment_methods')
+    .delete()
+    .eq('space_id', member.space_id)
+    .eq('platform', input.platform)
+  if (error) return { error: 'Could not remove the payment method.' }
+
+  revalidatePath('/settings')
+  revalidatePath('/me')
+  return { ok: true }
+}
+
+function toMethod(r: {
+  platform: string
+  url: string
+  instructions: string | null
+  is_active: boolean
+  sort_order: number
+}): DuesPaymentMethod {
+  return {
+    platform: r.platform,
+    url: r.url,
+    instructions: r.instructions ?? null,
+    isActive: r.is_active,
+    sortOrder: r.sort_order,
+  }
+}
diff --git a/lib/actions/index.ts b/lib/actions/index.ts
index d9ac8d1..f5f72f4 100644
--- a/lib/actions/index.ts
+++ b/lib/actions/index.ts
@@ -71,3 +71,6 @@ export * from './stripe'
 
 // Transactional notifications outbox (product spine Phase 2)
 export * from './notifications'
+
+// Alternate dues payment methods (admin-configured external links)
+export * from './dues-payments'
diff --git a/lib/actions/notifications.ts b/lib/actions/notifications.ts
index 442c6ec..b0a60a5 100644
--- a/lib/actions/notifications.ts
+++ b/lib/actions/notifications.ts
@@ -1,8 +1,15 @@
 'use server'
 
+import { revalidatePath } from 'next/cache'
 import { createClient } from '@/lib/supabase/server'
 import { createAdminClient } from '@/lib/supabase/admin'
 import { requireMember } from '@/lib/auth-helpers'
+import { notificationPreferenceSchema } from '@/lib/validations'
+import {
+  MUTEABLE_CATEGORIES,
+  type NotificationCategory,
+  type PrefMap,
+} from '@/lib/notifications-prefs-logic'
 
 // The caller's own notification history. The notifications RLS SELECT is
 // admin/board/treasurer only (mirrors member_billing), so the member
@@ -32,3 +39,63 @@ export async function getMyNotifications() {
     })),
   }
 }
+
+// The caller's own notification preferences as a category -> enabled map.
+// notification_preferences has no client policy (same convention as
+// notifications / member_billing), so the read goes through the service client
+// scoped to the caller's own member row. Absent categories are the default
+// (enabled); only muteable categories are ever stored or returned.
+export async function getMyNotificationPreferences(): Promise<{ data: PrefMap } | { error: string }> {
+  const supabase = await createClient()
+  const auth = await requireMember(supabase)
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const { data } = await createAdminClient()
+    .from('notification_preferences')
+    .select('category, enabled')
+    .eq('space_id', member.space_id)
+    .eq('member_id', member.id)
+
+  const prefs: PrefMap = {}
+  for (const c of MUTEABLE_CATEGORIES) prefs[c] = true
+  for (const row of data ?? []) {
+    const cat = row.category as NotificationCategory
+    if ((MUTEABLE_CATEGORIES as readonly NotificationCategory[]).includes(cat)) {
+      prefs[cat] = row.enabled as boolean
+    }
+  }
+  return { data: prefs }
+}
+
+// Set one muteable category on/off for the caller. Billing is never settable
+// (the Zod enum excludes it). Upserts the caller's own row through the service
+// client; the (space_id, member_id, category) PK makes a re-toggle idempotent.
+export async function setMyNotificationPreference(input: {
+  category: string
+  enabled: boolean
+}): Promise<{ ok: true } | { error: string }> {
+  const supabase = await createClient()
+  const auth = await requireMember(supabase)
+  if (!auth.ok) return { error: auth.error }
+  const { member } = auth
+
+  const parsed = notificationPreferenceSchema.safeParse(input)
+  if (!parsed.success) return { error: 'Invalid notification preference' }
+
+  const { error } = await createAdminClient()
+    .from('notification_preferences')
+    .upsert(
+      {
+        space_id: member.space_id,
+        member_id: member.id,
+        category: parsed.data.category,
+        enabled: parsed.data.enabled,
+      },
+      { onConflict: 'space_id,member_id,category' },
+    )
+  if (error) return { error: 'Could not save preference' }
+
+  revalidatePath('/me')
+  return { ok: true }
+}
diff --git a/lib/actions/stripe.ts b/lib/actions/stripe.ts
index b55f053..385b144 100644
--- a/lib/actions/stripe.ts
+++ b/lib/actions/stripe.ts
@@ -220,20 +220,25 @@ export async function getMyBilling() {
   if (!auth.ok) return { error: auth.error }
   const { member } = auth
 
-  const { data } = await createAdminClient()
+  const admin = createAdminClient()
+  // Whether the space has Stripe dues set up at all, so the /me UI can hide the
+  // "Pay dues" (Stripe Checkout) button when there is no Stripe to check out to.
+  const cfg = await getStripeConfig(admin, member.space_id)
+  const configured = isStripeConfigured(cfg ?? {})
+
+  const { data } = await admin
     .from('member_billing')
     .select('subscription_status, current_period_end, stripe_customer_id')
     .eq('space_id', member.space_id)
     .eq('member_id', member.id)
     .maybeSingle()
   return {
-    data: data
-      ? {
-          status: (data.subscription_status as string | null) ?? null,
-          currentPeriodEnd: (data.current_period_end as string | null) ?? null,
-          hasCustomer: !!data.stripe_customer_id,
-        }
-      : null,
+    data: {
+      status: (data?.subscription_status as string | null) ?? null,
+      currentPeriodEnd: (data?.current_period_end as string | null) ?? null,
+      hasCustomer: !!data?.stripe_customer_id,
+      configured,
+    },
   }
 }
 
diff --git a/lib/dues-payments-logic.ts b/lib/dues-payments-logic.ts
new file mode 100644
index 0000000..bdc1361
--- /dev/null
+++ b/lib/dues-payments-logic.ts
@@ -0,0 +1,36 @@
+// Pure logic for admin-configured alternate dues payment methods. These are
+// external pay-here links (PayPal, Zeffy, Venmo) a member clicks to pay dues
+// off-platform; a treasurer reconciles the payment manually later through the
+// existing payments flow, which is why each method carries a payment_platform
+// tag. No I/O here: the platform set + labels are shared by the admin settings
+// UI and the member /me UI; URL validation is exercised by the Zod schema.
+
+// The url-based subset of the payment_platform enum. 'cash' has no link and
+// 'stripe' is the in-app integration, so neither is an external dues link.
+export const DUES_LINK_PLATFORMS = ['paypal', 'zeffy', 'venmo'] as const
+
+export type DuesLinkPlatform = (typeof DUES_LINK_PLATFORMS)[number]
+
+export const DUES_PLATFORM_LABEL: Record<DuesLinkPlatform, string> = {
+  paypal: 'PayPal',
+  zeffy: 'Zeffy',
+  venmo: 'Venmo',
+}
+
+export function isDuesLinkPlatform(p: string): p is DuesLinkPlatform {
+  return (DUES_LINK_PLATFORMS as readonly string[]).includes(p)
+}
+
+// A payment link is only safe to render as a member-clickable anchor if it is
+// an absolute https URL. http (plaintext) and any non-web scheme
+// (javascript:, data:, mailto:, etc.) are rejected so an admin-entered value
+// cannot become an XSS or a downgrade vector when shown to members.
+export function isSafeDuesUrl(url: string): boolean {
+  let u: URL
+  try {
+    u = new URL(url)
+  } catch {
+    return false
+  }
+  return u.protocol === 'https:'
+}
diff --git a/lib/notifications-prefs-logic.ts b/lib/notifications-prefs-logic.ts
new file mode 100644
index 0000000..3867883
--- /dev/null
+++ b/lib/notifications-prefs-logic.ts
@@ -0,0 +1,93 @@
+// Member notification preferences: the pure category model plus the single
+// mute decision. No I/O, no Supabase. The dispatcher consumes isMuted to decide
+// whether to send an outbox row; the /me UI consumes CATEGORY_META to render the
+// toggles. The notifications.type column stays free text, so adding a new event
+// type only needs a line in TYPE_CATEGORY here (and a renderer) -- the prefs
+// storage and the dispatcher do not change.
+
+export type NotificationCategory =
+  | 'billing'
+  | 'bookings'
+  | 'classes'
+  | 'forms'
+  | 'admin_alerts'
+
+// Categories a member can mute. 'billing' is deliberately excluded: dues
+// renewed / payment-failed / lapsed are membership-critical financial notices
+// (a muted lapse notice would let a member silently lose access for
+// non-payment), so they always send and never render a toggle.
+export const MUTEABLE_CATEGORIES = [
+  'bookings',
+  'classes',
+  'forms',
+  'admin_alerts',
+] as const satisfies readonly NotificationCategory[]
+
+// Maps every emitted notification type to its category. A type with no entry
+// here is treated as always-on by isMuted (fail-open: a member should still
+// receive a newly added kind of mail rather than have it silently dropped by a
+// missing mapping). Keep in sync with the renderers in notifications-logic.ts.
+export const TYPE_CATEGORY: Record<string, NotificationCategory> = {
+  dues_renewed: 'billing',
+  dues_payment_failed: 'billing',
+  dues_lapsed: 'billing',
+  booking_confirmed: 'bookings',
+  booking_cancelled: 'bookings',
+  class_signup_registered: 'classes',
+  class_signup_waitlisted: 'classes',
+  class_signup_promoted: 'classes',
+  class_session_cancelled: 'classes',
+  form_submission_received: 'forms',
+  form_submission_admin: 'admin_alerts',
+}
+
+export function categoryForType(type: string): NotificationCategory | null {
+  return TYPE_CATEGORY[type] ?? null
+}
+
+export function isMuteableCategory(cat: NotificationCategory): boolean {
+  return (MUTEABLE_CATEGORIES as readonly NotificationCategory[]).includes(cat)
+}
+
+// Display order + copy for the /me toggles. Only muteable categories appear.
+export const CATEGORY_META: Array<{
+  category: NotificationCategory
+  label: string
+  description: string
+}> = [
+  {
+    category: 'bookings',
+    label: 'Equipment bookings',
+    description: 'Reservation confirmations and cancellations.',
+  },
+  {
+    category: 'classes',
+    label: 'Classes',
+    description: 'Signups, waitlist moves, and session cancellations.',
+  },
+  {
+    category: 'forms',
+    label: 'Your form submissions',
+    description: 'Receipts when you submit a form or waiver.',
+  },
+  {
+    category: 'admin_alerts',
+    label: 'Admin alerts',
+    description: 'New form submissions you can manage.',
+  },
+]
+
+// A member's stored preferences as a category -> enabled map. An absent
+// category means the default (enabled): this is an opt-out model. Only
+// muteable categories are ever stored; billing is never written.
+export type PrefMap = Partial<Record<NotificationCategory, boolean>>
+
+// The mute decision for one outbox row. Returns true (suppress the send) only
+// when the type maps to a muteable category the member has explicitly disabled.
+// Always-on categories (billing) and unmapped types never mute.
+export function isMuted(prefs: PrefMap, type: string): boolean {
+  const cat = categoryForType(type)
+  if (!cat) return false
+  if (!isMuteableCategory(cat)) return false
+  return prefs[cat] === false
+}
diff --git a/lib/profile-presets.ts b/lib/profile-presets.ts
new file mode 100644
index 0000000..960ae1b
--- /dev/null
+++ b/lib/profile-presets.ts
@@ -0,0 +1,12 @@
+// Suggested values offered as click-to-add chips in the member profile editor.
+// "Willing to" feeds the board-only recruitment view, so the suggestions are
+// the governance/volunteer roles that view groups by.
+export const WILLING_TO_SUGGESTIONS = [
+  'board_candidate',
+  'treasurer_candidate',
+  'host_volunteer',
+  'area_lead_candidate',
+  'event_organizer',
+  'safety_committee',
+  'docs_steward',
+]
diff --git a/lib/validations.ts b/lib/validations.ts
index bbcdce3..d80bad1 100644
--- a/lib/validations.ts
+++ b/lib/validations.ts
@@ -1,5 +1,7 @@
 import { z } from 'zod'
 import { INVITE_ROLES } from './invite-logic'
+import { MUTEABLE_CATEGORIES } from './notifications-prefs-logic'
+import { DUES_LINK_PLATFORMS, isSafeDuesUrl } from './dues-payments-logic'
 
 /**
  * Accepts every date-ish string the app produces and normalizes to a
@@ -1021,6 +1023,34 @@ export const stripeSettingsSchema = z.object({
   prices: z.record(z.string().trim().max(255)).optional().default({}),
 })
 
+// ─── Notification preferences ────────────────────────────────────────────────
+
+// Only muteable categories are settable; billing is membership-critical and
+// never user-controllable, so it is excluded from the enum (a request to set
+// it is rejected at the boundary).
+export const notificationPreferenceSchema = z.object({
+  category: z.enum(MUTEABLE_CATEGORIES as unknown as [string, ...string[]]),
+  enabled: z.boolean(),
+})
+
+// ─── Dues payment methods (admin-configured external links) ──────────────────
+
+// One external pay-here URL per platform. url must be absolute https (no
+// http downgrade, no javascript:/data: scheme) since it is rendered as a
+// member-clickable anchor. instructions is an optional memo hint (e.g. "put
+// your member name in the note") to help the treasurer reconcile later.
+export const duesPaymentMethodSchema = z.object({
+  platform: z.enum(DUES_LINK_PLATFORMS as unknown as [string, ...string[]]),
+  url: z
+    .string()
+    .trim()
+    .max(500)
+    .refine(isSafeDuesUrl, 'Enter an absolute https:// URL'),
+  instructions: z.string().trim().max(300).optional().nullable(),
+  is_active: z.boolean().optional().default(true),
+  sort_order: z.number().int().min(0).max(999).optional().default(0),
+})
+
 // Helper type exports
 export type CreateTaskInput = z.infer<typeof createTaskSchema>
 export type CreateProjectInput = z.infer<typeof createProjectSchema>
diff --git a/scripts/048_notification_preferences.sql b/scripts/048_notification_preferences.sql
new file mode 100644
index 0000000..8761707
--- /dev/null
+++ b/scripts/048_notification_preferences.sql
@@ -0,0 +1,41 @@
+-- =============================================================================
+-- 048: Member notification preferences (Product spine Phase 5)
+-- =============================================================================
+-- Per-member opt-out of muteable notification categories (bookings, classes,
+-- forms, admin_alerts). Billing (dues renewed / payment-failed / lapsed) is
+-- membership-critical and is never muteable, so it is never stored here. The
+-- model is opt-out: absence of a row means the default, enabled.
+--
+-- The dispatcher cron reads these rows (service client) and marks a muted
+-- outbox row 'skipped' instead of sending it; the member self-serve toggle on
+-- /me writes them through a validated server action (service client). Both
+-- paths use the service client, so there is NO client write policy and no
+-- client read policy -- the same convention as notifications and
+-- member_billing (member self-view goes through a validated action, not RLS).
+-- RLS is enabled and default-deny for every non-service client.
+--
+-- Idempotent: CREATE TABLE/INDEX IF NOT EXISTS, DROP POLICY/TRIGGER IF EXISTS
+-- then CREATE. Apply as-is (Supabase SQL editor / psql); re-runs are no-ops.
+-- =============================================================================
+
+CREATE TABLE IF NOT EXISTS public.notification_preferences (
+  space_id    uuid        NOT NULL REFERENCES public.spaces(id) ON DELETE CASCADE,
+  member_id   uuid        NOT NULL REFERENCES public.space_members(id) ON DELETE CASCADE,
+  category    text        NOT NULL,
+  enabled     boolean     NOT NULL DEFAULT true,
+  created_at  timestamptz NOT NULL DEFAULT now(),
+  updated_at  timestamptz NOT NULL DEFAULT now(),
+  PRIMARY KEY (space_id, member_id, category)
+);
+
+ALTER TABLE public.notification_preferences ENABLE ROW LEVEL SECURITY;
+
+-- No client policy. Both the member self-view (getMyNotificationPreferences)
+-- and the toggle write (setMyNotificationPreference) go through validated
+-- service-client actions; the dispatcher reads via the service client too.
+-- Default-deny for every non-service client.
+
+DROP TRIGGER IF EXISTS trg_notification_prefs_touch ON public.notification_preferences;
+CREATE TRIGGER trg_notification_prefs_touch
+  BEFORE UPDATE ON public.notification_preferences
+  FOR EACH ROW EXECUTE FUNCTION public.touch_updated_at();
diff --git a/scripts/049_dues_payment_methods.sql b/scripts/049_dues_payment_methods.sql
new file mode 100644
index 0000000..a0142bd
--- /dev/null
+++ b/scripts/049_dues_payment_methods.sql
@@ -0,0 +1,59 @@
+-- =============================================================================
+-- 049: Alternate dues payment methods (admin-configured external links)
+-- =============================================================================
+-- A space can take dues off-platform (PayPal, Zeffy, Venmo) in addition to (or
+-- instead of) the integrated Stripe dues. An admin sets one external pay-here
+-- URL per platform; members see them as click-out buttons on /me; a treasurer
+-- reconciles the resulting payment manually through the existing payments flow.
+-- Each row carries a payment_platform tag so that manual reconcile is
+-- pre-typed. There is NO automated payment record on click: this table is link
+-- configuration only.
+--
+-- One row per (space, platform): UNIQUE (space_id, platform) so the admin
+-- upsert is idempotent. RLS: every space member may SELECT (members need to
+-- render the pay options); writes are admin/board only (mirrors the Stripe
+-- settings gate). url is validated https-only at the server-action boundary.
+--
+-- Idempotent: CREATE TABLE/INDEX IF NOT EXISTS, DROP POLICY/TRIGGER IF EXISTS
+-- then CREATE. Apply as-is (Supabase SQL editor / psql); re-runs are no-ops.
+-- =============================================================================
+
+CREATE TABLE IF NOT EXISTS public.dues_payment_methods (
+  id           uuid                   PRIMARY KEY DEFAULT uuid_generate_v4(),
+  space_id     uuid                   NOT NULL REFERENCES public.spaces(id) ON DELETE CASCADE,
+  platform     public.payment_platform NOT NULL,
+  url          text                   NOT NULL,
+  instructions text,
+  is_active    boolean                NOT NULL DEFAULT true,
+  sort_order   integer                NOT NULL DEFAULT 0,
+  created_at   timestamptz            NOT NULL DEFAULT now(),
+  updated_at   timestamptz            NOT NULL DEFAULT now(),
+  UNIQUE (space_id, platform)
+);
+CREATE INDEX IF NOT EXISTS idx_dues_payment_methods_space
+  ON public.dues_payment_methods (space_id);
+
+ALTER TABLE public.dues_payment_methods ENABLE ROW LEVEL SECURITY;
+
+DROP POLICY IF EXISTS dues_payment_methods_select ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_insert ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_update ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_delete ON public.dues_payment_methods;
+
+-- Any member of the space may read (they render the pay buttons).
+CREATE POLICY dues_payment_methods_select ON public.dues_payment_methods FOR SELECT
+  USING (space_id IN (SELECT public.get_user_space_ids(auth.uid())));
+
+-- Writes: admin/board only.
+CREATE POLICY dues_payment_methods_insert ON public.dues_payment_methods FOR INSERT
+  WITH CHECK (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+CREATE POLICY dues_payment_methods_update ON public.dues_payment_methods FOR UPDATE
+  USING (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']))
+  WITH CHECK (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+CREATE POLICY dues_payment_methods_delete ON public.dues_payment_methods FOR DELETE
+  USING (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+
+DROP TRIGGER IF EXISTS trg_dues_payment_methods_touch ON public.dues_payment_methods;
+CREATE TRIGGER trg_dues_payment_methods_touch
+  BEFORE UPDATE ON public.dues_payment_methods
+  FOR EACH ROW EXECUTE FUNCTION public.touch_updated_at();
diff --git a/scripts/schema.sql b/scripts/schema.sql
index 4981370..6ce53fb 100644
--- a/scripts/schema.sql
+++ b/scripts/schema.sql
@@ -2774,3 +2774,74 @@ DROP TRIGGER IF EXISTS trg_notifications_touch ON public.notifications;
 CREATE TRIGGER trg_notifications_touch
   BEFORE UPDATE ON public.notifications
   FOR EACH ROW EXECUTE FUNCTION public.touch_updated_at();
+
+-- 26b. Member notification preferences (Product spine Phase 5)
+--      (equivalent to scripts/048_notification_preferences.sql.)
+-- Per-member opt-out of muteable categories (bookings, classes, forms,
+-- admin_alerts). Billing is membership-critical and never muteable, so it is
+-- never stored here. Opt-out model: absence of a row means enabled. The
+-- dispatcher reads these (service client) and marks a muted outbox row
+-- 'skipped' instead of sending; the /me toggle writes through a validated
+-- service-client action. No client policy: default-deny, same convention as
+-- notifications / member_billing.
+CREATE TABLE IF NOT EXISTS public.notification_preferences (
+  space_id    uuid        NOT NULL REFERENCES public.spaces(id) ON DELETE CASCADE,
+  member_id   uuid        NOT NULL REFERENCES public.space_members(id) ON DELETE CASCADE,
+  category    text        NOT NULL,
+  enabled     boolean     NOT NULL DEFAULT true,
+  created_at  timestamptz NOT NULL DEFAULT now(),
+  updated_at  timestamptz NOT NULL DEFAULT now(),
+  PRIMARY KEY (space_id, member_id, category)
+);
+
+ALTER TABLE public.notification_preferences ENABLE ROW LEVEL SECURITY;
+-- No client policy: member self-view + toggle write both go through validated
+-- service-client actions; the dispatcher reads via the service client.
+
+DROP TRIGGER IF EXISTS trg_notification_prefs_touch ON public.notification_preferences;
+CREATE TRIGGER trg_notification_prefs_touch
+  BEFORE UPDATE ON public.notification_preferences
+  FOR EACH ROW EXECUTE FUNCTION public.touch_updated_at();
+
+-- 26c. Alternate dues payment methods (admin-configured external links)
+--      (equivalent to scripts/049_dues_payment_methods.sql.)
+-- One external pay-here URL per (space, payment_platform): PayPal/Zeffy/Venmo.
+-- Members click out to pay dues off-platform; a treasurer reconciles manually
+-- via the existing payments flow (the platform tag pre-types that reconcile).
+-- Link configuration only, no automated payment record. RLS: SELECT = any
+-- space member (they render the buttons); writes admin/board. url is validated
+-- https-only at the server-action boundary.
+CREATE TABLE IF NOT EXISTS public.dues_payment_methods (
+  id           uuid                   PRIMARY KEY DEFAULT uuid_generate_v4(),
+  space_id     uuid                   NOT NULL REFERENCES public.spaces(id) ON DELETE CASCADE,
+  platform     public.payment_platform NOT NULL,
+  url          text                   NOT NULL,
+  instructions text,
+  is_active    boolean                NOT NULL DEFAULT true,
+  sort_order   integer                NOT NULL DEFAULT 0,
+  created_at   timestamptz            NOT NULL DEFAULT now(),
+  updated_at   timestamptz            NOT NULL DEFAULT now(),
+  UNIQUE (space_id, platform)
+);
+CREATE INDEX IF NOT EXISTS idx_dues_payment_methods_space
+  ON public.dues_payment_methods (space_id);
+
+ALTER TABLE public.dues_payment_methods ENABLE ROW LEVEL SECURITY;
+DROP POLICY IF EXISTS dues_payment_methods_select ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_insert ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_update ON public.dues_payment_methods;
+DROP POLICY IF EXISTS dues_payment_methods_delete ON public.dues_payment_methods;
+CREATE POLICY dues_payment_methods_select ON public.dues_payment_methods FOR SELECT
+  USING (space_id IN (SELECT public.get_user_space_ids(auth.uid())));
+CREATE POLICY dues_payment_methods_insert ON public.dues_payment_methods FOR INSERT
+  WITH CHECK (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+CREATE POLICY dues_payment_methods_update ON public.dues_payment_methods FOR UPDATE
+  USING (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']))
+  WITH CHECK (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+CREATE POLICY dues_payment_methods_delete ON public.dues_payment_methods FOR DELETE
+  USING (public.user_has_role_in_space(auth.uid(), space_id, ARRAY['admin','board']));
+
+DROP TRIGGER IF EXISTS trg_dues_payment_methods_touch ON public.dues_payment_methods;
+CREATE TRIGGER trg_dues_payment_methods_touch
+  BEFORE UPDATE ON public.dues_payment_methods
+  FOR EACH ROW EXECUTE FUNCTION public.touch_updated_at();
diff --git a/types/database.ts b/types/database.ts
index fa25232..07a1278 100644
--- a/types/database.ts
+++ b/types/database.ts
@@ -196,6 +196,18 @@ export type Database = {
         Update: { id?: string; space_id?: string; member_id?: string | null; type?: string; channel?: string; recipient?: string; subject?: string; body_html?: string; body_text?: string; status?: string; attempts?: number; last_error?: string | null; dedupe_key?: string; sent_at?: string | null; created_at?: string; updated_at?: string }
         Relationships: []
       }
+      notification_preferences: {
+        Row: { space_id: string; member_id: string; category: string; enabled: boolean; created_at: string; updated_at: string }
+        Insert: { space_id: string; member_id: string; category: string; enabled?: boolean; created_at?: string; updated_at?: string }
+        Update: { space_id?: string; member_id?: string; category?: string; enabled?: boolean; created_at?: string; updated_at?: string }
+        Relationships: []
+      }
+      dues_payment_methods: {
+        Row: { id: string; space_id: string; platform: string; url: string; instructions: string | null; is_active: boolean; sort_order: number; created_at: string; updated_at: string }
+        Insert: { id?: string; space_id: string; platform: string; url: string; instructions?: string | null; is_active?: boolean; sort_order?: number; created_at?: string; updated_at?: string }
+        Update: { id?: string; space_id?: string; platform?: string; url?: string; instructions?: string | null; is_active?: boolean; sort_order?: number; created_at?: string; updated_at?: string }
+        Relationships: []
+      }
       activity_log: {
         Row: {
           action: string