mfaisa recipt (prep) and SmartPay support

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaQrPayClient.kt

@@ -0,0 +1,199 @@
+package sh.sar.basedbank.api.mfaisa
+
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * M-Faisa merchant QR payment ("smart pay") flow:
+ *   1. [fetchQrDetails]    POST /QRCodeUtility/fetchQRCodeById  — resolve qrCodeId to merchant
+ *   2. [initiatePurchase]  POST /initiateNewBuy                 — start the purchase, returns referenceId.
+ *                                                                 Server returns 2FARequired=NONE for wallet QR pay,
+ *                                                                 so no OTP is required.
+ *   3. [confirmPurchase]   POST /confirmNewBuy                  — settles the purchase. `transactionAuthDetails`
+ *                                                                 is sent as the literal string "null".
+ *
+ * Anti-replay scheme is the same as [MfaisaTransferClient]: rndValue = encryptPin(timestampStr),
+ * csValue = Adler32(formDataJson + timestampStr). The server responds with `[{...}]` envelopes
+ * for both success and error — callers must check the `success` flag.
+ */
+class MfaisaQrPayClient {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+    private val random = SecureRandom()
+
+    /** Resolved merchant for a scanned M-Faisa QR. */
+    data class QrMerchant(
+        val qrCodeId: String,
+        val merchantId: String,        // customerId from the lookup response
+        val merchantName: String,      // commercialName
+        val merchantMsisdn: String,    // mobileNumber — already includes "960" prefix
+        val currencyCode: String,      // e.g. "MVR"
+        /** Pre-set amount for a dynamic QR; null for a static QR (user enters amount). */
+        val txnAmount: String?,
+        val status: String             // "Active" for usable QRs
+    )
+
+    // ─── Step 1: resolve qrCodeId → merchant details ─────────────────────────
+
+    fun fetchQrDetails(session: MfaisaSession, qrCodeId: String): QrMerchant {
+        val formData = JSONObject()
+            .put("qrCodeId", qrCodeId)
+            .put("tenantCode", "ooredoo")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        // Note: fetchQRCodeById uses role=R01 (not RETAIL_SUBSCRIBER like the other two endpoints).
+        val body = FormBody.Builder()
+            .add("role", "R01")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val first = postAndUnwrap("$baseUrl/QRCodeUtility/fetchQRCodeById", body, "QR lookup failed")
+        val response = first.optJSONArray("response")?.optJSONObject(0)
+            ?: throw Exception("QR code not found")
+        if (!response.optString("status").equals("Active", ignoreCase = true)) {
+            throw Exception("QR code is not active")
+        }
+
+        // The lookup response stores absent values as the literal JSON null (decoded by org.json as
+        // `JSONObject.NULL`) — optString surfaces that as the string "null". Guard against both.
+        fun strOrNull(name: String): String? = response.opt(name)
+            ?.takeIf { it != JSONObject.NULL }
+            ?.toString()
+            ?.takeIf { it.isNotBlank() && it != "null" }
+
+        return QrMerchant(
+            qrCodeId       = strOrNull("qrCodeId") ?: qrCodeId,
+            merchantId     = strOrNull("customerId")     ?: throw Exception("Merchant id missing"),
+            merchantName   = strOrNull("commercialName") ?: throw Exception("Merchant name missing"),
+            merchantMsisdn = strOrNull("mobileNumber")   ?: throw Exception("Merchant number missing"),
+            currencyCode   = strOrNull("currencyCode")   ?: "MVR",
+            txnAmount      = strOrNull("txnAmount"),
+            status         = response.optString("status")
+        )
+    }
+
+    // ─── Step 2: initiate the purchase ───────────────────────────────────────
+
+    /** Returns the `referenceId` to be passed to [confirmPurchase]. */
+    fun initiatePurchase(
+        session: MfaisaSession,
+        sourcePocketId: String,
+        sourceMsisdn: String,    // user's "960..." MSISDN
+        merchant: QrMerchant,
+        amount: String,
+        description: String = ""
+    ): String {
+        val formData = JSONObject()
+            .put("channel", "SubscriberApp")
+            .put("commodityType", "WALLET")
+            .put("description", description)
+            .put("merchantId", merchant.merchantId)
+            .put("mobileNumber", merchant.merchantMsisdn)
+            .put("sourceDetails", JSONObject()
+                .put("MDNId", sourceMsisdn)
+                .put("actorRoleType", "RETAIL_SUBSCRIBER")
+                .put("pocketId", sourcePocketId))
+            .put("transactionAmount", amount)
+            .put("transactionCurrency", merchant.currencyCode)
+            .put("transactionType", "PURCHASE")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val first = postAndUnwrap("$baseUrl/initiateNewBuy", body, "Payment initiation failed")
+        // We've only seen 2FARequired=NONE for wallet QR pay. If the server ever asks for OTP we
+        // surface a clear error instead of silently completing a no-op confirm.
+        val twoFa = first.optString("2FARequired").ifBlank { "NONE" }
+        if (!twoFa.equals("NONE", ignoreCase = true)) {
+            throw Exception("This QR requires 2FA ($twoFa) which is not yet supported")
+        }
+        val responseObj = first.optJSONArray("response")?.optJSONObject(0)?.optJSONObject("responseObject")
+            ?: throw Exception("Missing responseObject")
+        val refId = responseObj.optString("referenceId")
+        if (refId.isBlank()) throw Exception("Server did not return a referenceId")
+        return refId
+    }
+
+    // ─── Step 3: confirm (no OTP) ────────────────────────────────────────────
+
+    fun confirmPurchase(session: MfaisaSession, referenceId: String) {
+        val formData = JSONObject().put("referenceId", referenceId).toString().matchGsonHtmlSafe()
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            // Literal string "null" — matches the captured request from the official app.
+            .add("transactionAuthDetails", "null")
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        postAndUnwrap("$baseUrl/confirmNewBuy", body, "Payment confirmation failed")
+    }
+
+    // ─── Helpers ─────────────────────────────────────────────────────────────
+
+    /** POSTs [body] to [url], unwraps the `[{...}]` envelope, throws on non-success / session expiry. */
+    private fun postAndUnwrap(url: String, body: okhttp3.RequestBody, fallbackError: String): JSONObject {
+        val resp = client.newCall(Request.Builder().url(url).post(body).build()).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        val arr = JSONArray(raw.trimStart())
+        val first = arr.optJSONObject(0) ?: throw Exception(fallbackError)
+        handleSessionExpiry(first)
+        if (!first.optBoolean("success", false)) {
+            val errObj = first.optJSONArray("error")?.optJSONObject(0)
+            throw Exception(errObj?.optString("errorMessage")?.ifBlank { null }
+                ?: first.optString("message").ifBlank { fallbackError })
+        }
+        return first
+    }
+
+    private fun handleSessionExpiry(envelope: JSONObject?) {
+        val attr = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("attributeValue")
+        val code = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("errorCode")
+        if (attr == "SESSION_EXPIRED" || code == "SESSION_EXPIRED") throw MfaisaSessionExpiredException()
+    }
+
+    private fun makeAntiReplay(formJson: String): Pair<String, String> {
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply {
+            update((formJson + nonceStr).toByteArray(Charsets.UTF_8))
+        }.value.toString()
+        return rndValue to csValue
+    }
+
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt

@@ -172,6 +172,10 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 bundle.putString(KEY_SUBTITLE, "BML QR Merchant")
                 bundle.putString(KEY_COLOR, "#0066A1")
             }
+            accountNumber.startsWith("mfaisaqr:") -> {
+                bundle.putString(KEY_SUBTITLE, "M-Faisa QR Merchant")
+                bundle.putString(KEY_COLOR, "#ED1C24")
+            }
             account != null -> {
                 bundle.putString(KEY_SUBTITLE, "${account.accountNumber} · ${account.currencyName} ${account.availableBalance}")
                 bundle.putString(KEY_COLOR, "#FE860E")
@@ -195,6 +199,17 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val hide = viewModel.hideAmounts.value ?: false
         val items = mutableListOf<ContactPickerAdapter.PickerItem>()
 
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
+        val fromCurrency = fromAccount?.currencyName ?: ""
+        val fromLoginTag = fromAccount?.loginTag ?: ""
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
+        val fromIsMfaisa = fromAccount?.bank == "MFAISA"
+        // TODO: when M-Faisa-supported contacts are wired up, swap this for a per-row check
+        //       (e.g. is the recipient also an M-Faisa wallet) instead of disabling everything.
+        val mfaisaInactive = if (fromIsMfaisa) "Unsupported recipient from M-Faisa" else null
+
         if (tabTag == RECENTS_TAG) {
             val recents = RecentsCache.load(requireContext())
             val filtered = if (search.isBlank()) recents else recents.filter {
@@ -208,19 +223,15 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                     subtitle      = r.subtitle,
                     colorHex      = r.colorHex,
                     isSameAsFrom  = r.accountNumber == fromAccountNumber,
-                    imageHash     = r.imageHash
+                    imageHash     = r.imageHash,
+                    // A MFAISA-tagged recent is itself a valid M-Faisa recipient — don't grey it out
+                    // when the source is M-Faisa.
+                    inactiveReason = if (r.bank == "MFAISA") null else mfaisaInactive
                 ))
             }
             return items
         }
 
-        val accounts = viewModel.accounts.value ?: emptyList()
-        val contacts = viewModel.contacts.value ?: emptyList()
-        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
-        val fromCurrency = fromAccount?.currencyName ?: ""
-        val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
-
         if (tabTag == MY_ACCOUNTS_TAG) {
             val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" }
             val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
@@ -251,9 +262,12 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (fromIsCard && acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null && acc.bank != "MFAISA" -> mfaisaInactive
+                            fromIsCard && acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -283,10 +297,13 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (!isActive) acc.statusDesc
-                            else if (acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null -> mfaisaInactive
+                            !isActive -> acc.statusDesc
+                            acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -311,7 +328,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 colorHex      = contact.bankColor,
                 isSameAsFrom  = contact.benefAccount == fromAccountNumber,
                 imageHash     = contact.customerImgHash,
-                inactiveReason = currencyMismatchReason(fromCurrency, contact.transferCyDesc)
+                inactiveReason = mfaisaInactive ?: currencyMismatchReason(fromCurrency, contact.transferCyDesc)
             ))
         }
         return items

app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt

@@ -106,6 +106,10 @@ class TransferFragment : Fragment() {
     private var bmlQrInfo: BmlQrPayInfo? = null
     private var bmlGatewayQr = false  // true for pay.bml.com.mv QRs (requires pre-initiate step)
     private var bmlQrLookupAttempted = false  // prevents re-lookup after user clears the merchant
+
+    // M-Faisa QR merchant payment mode (set when the scanned QR is an M-Faisa qrCodeId)
+    private var mfaisaQrInfo: sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient.QrMerchant? = null
+
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
     // BML business profile OTP flow state
@@ -178,6 +182,17 @@ class TransferFragment : Fragment() {
             return@registerForActivityResult
         }
 
+        // M-Faisa merchant QR — content is just the numeric qrCodeId. Only attempt the lookup
+        // when the user actually has an M-Faisa wallet logged in; otherwise fall through to
+        // PayMV parsing (which will toast "invalid" as before).
+        val trimmedRaw = raw.trim()
+        val app = requireActivity().application as BasedBankApp
+        if (trimmedRaw.length in 8..16 && trimmedRaw.all { it.isDigit() } &&
+            app.mfaisaSessions.isNotEmpty()) {
+            lookupMfaisaQrMerchant(trimmedRaw)
+            return@registerForActivityResult
+        }
+
         val qr = PaymvQrParser.parse(raw)
         if (qr == null || qr.accountNumber == null) {
             Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
@@ -293,6 +308,19 @@ class TransferFragment : Fragment() {
                 lookupBmlQrMerchant(accountNumber.removePrefix("bmlqr:"))
                 return@setFragmentResultListener
             }
+            if (accountNumber.startsWith("mfaisaqr:")) {
+                // M-Faisa QR merchant recent — re-run the lookup so the merchant stays current
+                // (price / status can change) and so the source auto-switch path is taken.
+                lookupMfaisaQrMerchant(accountNumber.removePrefix("mfaisaqr:"))
+                return@setFragmentResultListener
+            }
+            // MFAISA source + a phone-number pick (e.g. a tagged M-Faisa recent) — re-run the
+            // basicBeneDetails lookup so the recipient gets fully resolved before Send is enabled.
+            if (selectedAccount?.bank == "MFAISA") {
+                binding.etTo.setText(accountNumber)
+                mfaisaHandler().searchRecipient(accountNumber)
+                return@setFragmentResultListener
+            }
             val label     = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
             val subtitle  = bundle.getString(ContactPickerSheetFragment.KEY_SUBTITLE) ?: accountNumber
             val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
@@ -457,6 +485,99 @@ class TransferFragment : Fragment() {
         }
     }
 
+    /**
+     * Resolves an M-Faisa qrCodeId to a merchant, paints it in the "To" card, auto-selects an
+     * M-Faisa source if none is selected (or the current one is the wrong bank), and pre-fills
+     * the amount if the QR is dynamic.
+     */
+    private fun lookupMfaisaQrMerchant(qrCodeId: String) {
+        val app = requireActivity().application as BasedBankApp
+        // Prefer the currently-selected MFAISA account's session; otherwise fall back to any session.
+        val source = (selectedAccount?.takeIf { it.bank == "MFAISA" }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" })
+            ?: run {
+                Toast.makeText(requireContext(), "No M-Faisa account available", Toast.LENGTH_SHORT).show()
+                return
+            }
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        // Auto-switch from a non-MFAISA source so the user doesn't have to fix it manually
+        if (selectedAccount?.bank != "MFAISA") {
+            selectedAccount = source
+            updateAmountPrefix(source)
+            showFromCard(source)
+        }
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        (activity as? HomeActivity)?.setRefreshing(true)
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val merchant = withContext(Dispatchers.IO) {
+                try {
+                    sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient().fetchQrDetails(session, qrCodeId)
+                } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                    val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                        ?: return@withContext null
+                    try { sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient().fetchQrDetails(fresh, qrCodeId) }
+                    catch (_: Exception) { null }
+                } catch (_: Exception) { null }
+            }
+            (activity as? HomeActivity)?.setRefreshing(false)
+            if (merchant == null) {
+                Toast.makeText(requireContext(), "Could not look up M-Faisa QR", Toast.LENGTH_LONG).show()
+                resetToFieldVisibility()
+                return@launch
+            }
+            mfaisaQrInfo = merchant
+
+            // Static QRs (no preset amount) make sense to keep in Recents — the merchant is
+            // reusable. Dynamic QRs are one-off so we skip them, same rule as BML QR pay.
+            if (merchant.txnAmount.isNullOrBlank()) {
+                RecentsCache.save(requireContext(), RecentPick(
+                    accountNumber = "mfaisaqr:${merchant.qrCodeId}",
+                    displayName   = merchant.merchantName,
+                    subtitle      = "M-Faisa merchant · ${merchant.merchantMsisdn}",
+                    colorHex      = "#ED1C24",
+                    imageHash     = null,
+                    isProfileImage = false,
+                    bank          = "MFAISA"
+                ))
+            }
+
+            // Show merchant in the "To" card — clear button is the only way to back out
+            binding.tvToAccountName.text = merchant.merchantName
+            binding.tvToBankBic.text = "M-Faisa merchant · ${merchant.merchantMsisdn}"
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+            binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill + lock amount if the QR is dynamic
+            val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
+            if (dynamicAmount != null && dynamicAmount > 0.0) {
+                binding.etAmount.setText("%.2f".format(dynamicAmount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            updateTransferButton()
+        }
+    }
+
+    /** Restores the To-input row to its default state when a QR lookup fails. */
+    private fun resetToFieldVisibility() {
+        binding.cardToInfo.visibility = View.GONE
+        binding.tilTo.visibility = View.VISIBLE
+        binding.btnPickContact.visibility = View.VISIBLE
+        binding.btnScanQr.visibility = View.VISIBLE
+    }
+
     private fun startLookupLoading() {
         val spinner = CircularProgressDrawable(requireContext()).apply {
             setStyle(CircularProgressDrawable.DEFAULT)
@@ -504,6 +625,11 @@ class TransferFragment : Fragment() {
                         return@setOnItemClickListener
                     }
                 }
+                if (mfaisaQrInfo != null && picked.bank != "MFAISA") {
+                    Toast.makeText(requireContext(), "Unsupported for M-Faisa QR — select an M-Faisa account", Toast.LENGTH_SHORT).show()
+                    binding.actvFrom.setText("", false)
+                    return@setOnItemClickListener
+                }
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
@@ -557,9 +683,6 @@ class TransferFragment : Fragment() {
         if (mfaisa) {
             binding.tilTo.hint = getString(R.string.ooredoo_phone)
             binding.etTo.inputType = android.text.InputType.TYPE_CLASS_PHONE
-            // Phone-only flow — hide the QR scanner + contact picker icons next to the To field
-            binding.btnPickContact.visibility = View.GONE
-            binding.btnScanQr.visibility = View.GONE
             // Any previously-resolved non-MFAISA recipient (or stale state) is no longer valid
             if (resolvedAccountNumber.isNotBlank() && mfaisaHandler?.recipient == null) {
                 resolvedAccountNumber = ""
@@ -573,8 +696,6 @@ class TransferFragment : Fragment() {
         } else {
             binding.tilTo.hint = getString(R.string.transfer_to)
             binding.etTo.inputType = android.text.InputType.TYPE_CLASS_TEXT or android.text.InputType.TYPE_TEXT_FLAG_NO_SUGGESTIONS
-            binding.btnPickContact.visibility = View.VISIBLE
-            binding.btnScanQr.visibility = View.VISIBLE
             // Drop any M-Faisa-resolved recipient when switching banks
             if (mfaisaHandler?.recipient != null) {
                 mfaisaHandler?.clearState()
@@ -587,6 +708,12 @@ class TransferFragment : Fragment() {
                 binding.etTo.setText("")
             }
         }
+        // The picker and QR-scan icons live alongside the tilTo input. Keep them in sync with
+        // tilTo: when a To-card is rendered (tilTo GONE), they must be GONE too — otherwise
+        // they end up floating above the rendered merchant/recipient card.
+        val showToAffordances = binding.tilTo.visibility == View.VISIBLE
+        binding.btnPickContact.visibility = if (showToAffordances) View.VISIBLE else View.GONE
+        binding.btnScanQr.visibility       = if (showToAffordances) View.VISIBLE else View.GONE
     }
 
     private fun showFromCard(account: BankAccount) {
@@ -759,6 +886,13 @@ class TransferFragment : Fragment() {
                 binding.tilRemarks.alpha = 1f
                 binding.etAmount.setText("")
             }
+            if (mfaisaQrInfo != null) {
+                mfaisaQrInfo = null
+                binding.tilAmount.isEnabled = true
+                binding.tilRemarks.isEnabled = true
+                binding.tilRemarks.alpha = 1f
+                binding.etAmount.setText("")
+            }
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
             resolvedDestCurrency = ""
@@ -1187,6 +1321,45 @@ class TransferFragment : Fragment() {
     }
 
     private fun initiateTransfer() {
+        // M-Faisa merchant QR — same confirm popup as other transfers. The /initiateNewBuy +
+        // /confirmNewBuy pair does NOT require OTP for wallet QR pay (2FARequired=NONE).
+        mfaisaQrInfo?.let { merchant ->
+            val src = selectedAccount ?: run {
+                Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+                return
+            }
+            if (src.bank != "MFAISA") {
+                Toast.makeText(requireContext(), "Switch to an M-Faisa account to pay this QR", Toast.LENGTH_SHORT).show()
+                return
+            }
+            val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+            val amount = amountStr.toDoubleOrNull()
+            if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+            binding.tilAmount.error = null
+            val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+
+            val confirmView = buildTransferConfirmView(
+                amountCurrency = merchant.currencyCode,
+                amountValue = "%.2f".format(amount),
+                fromName = src.accountBriefName,
+                fromNumber = src.accountNumber,
+                fromDetail = "M-Faisa",
+                toName = merchant.merchantName,
+                toNumber = merchant.merchantMsisdn,
+                toDetail = "Ooredoo M-Faisa merchant"
+            )
+            showConfirmWithBiometric(
+                title = getString(R.string.transfer),
+                customView = confirmView,
+                biometricSubtitle = "${merchant.currencyCode} ${"%.2f".format(amount)} → ${merchant.merchantName}",
+                onConfirmed = { dialog, frame ->
+                    showProcessingInDialog(dialog, frame)
+                    executeMfaisaQrPayment(src, merchant, amount, "%.2f".format(amount), remarks, dialog, frame)
+                }
+            )
+            return
+        }
+
         // M-Faisa source: the entire flow (initiate + OTP + confirm) lives in the handler.
         if (selectedAccount?.bank == "MFAISA") {
             mfaisaHandler().submit()
@@ -1401,7 +1574,7 @@ class TransferFragment : Fragment() {
         )
     }
 
-    private fun buildTransferConfirmView(
+    internal fun buildTransferConfirmView(
         amountCurrency: String,
         amountValue: String,
         fromName: String,
@@ -1583,6 +1756,93 @@ class TransferFragment : Fragment() {
         }
     }
 
+    private fun executeMfaisaQrPayment(
+        src: BankAccount,
+        merchant: sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient.QrMerchant,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout
+    ) {
+        val app = requireActivity().application as BasedBankApp
+        val loginId = src.loginTag.removePrefix("mfaisa_")
+        val initialSession = app.mfaisaSessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        // M-Faisa expects the user's MSISDN with the "960" country prefix (the session stores the
+        // bare 7-digit form). The pocket itself is identified by [BankAccount.accountNumber].
+        val sourceMdn = "960${initialSession.msisdn}"
+
+        binding.btnTransfer.isEnabled = false
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val outcome = withContext(Dispatchers.IO) {
+                val client = sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient()
+                try {
+                    val refId = try {
+                        client.initiatePurchase(initialSession, src.accountNumber, sourceMdn, merchant, amountStr, remarks)
+                    } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.initiatePurchase(fresh, src.accountNumber, "960${fresh.msisdn}", merchant, amountStr, remarks)
+                    }
+                    val confirmSession = app.mfaisaSessionFor(src) ?: initialSession
+                    try {
+                        client.confirmPurchase(confirmSession, refId)
+                    } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.confirmPurchase(fresh, refId)
+                    }
+                    Result.success(refId)
+                } catch (e: Exception) {
+                    Result.failure<String>(e)
+                }
+            }
+            if (_binding == null) return@launch
+
+            outcome.fold(
+                onSuccess = { _ ->
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountStr,
+                        currency     = merchant.currencyCode,
+                        fromLabel    = src.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = merchant.merchantName,
+                        toAccount    = merchant.merchantMsisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Merchant payment",
+                        mfaisaFromName        = src.accountBriefName,
+                        mfaisaFromMsisdn      = src.accountNumber,
+                        mfaisaToMsisdn        = merchant.merchantMsisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    ReceiptStore.save(requireContext(), receipt)
+                    dialog.dismiss()
+                    clearForm()
+                    val activity = requireActivity() as HomeActivity
+                    activity.triggerRefresh()
+                    activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, null))
+                },
+                onFailure = { e ->
+                    dialog.dismiss()
+                    binding.btnTransfer.isEnabled = true
+                    val msg = when {
+                        e is java.io.IOException -> getString(R.string.connectivity_no_internet)
+                        !e.message.isNullOrBlank() -> e.message!!
+                        else -> "Payment failed"
+                    }
+                    Toast.makeText(requireContext(), msg, Toast.LENGTH_LONG).show()
+                }
+            )
+        }
+    }
+
     private fun showProcessingInDialog(dialog: AlertDialog, frame: android.widget.FrameLayout) {
         dialog.getButton(AlertDialog.BUTTON_POSITIVE)?.visibility = View.GONE
         dialog.getButton(AlertDialog.BUTTON_NEGATIVE)?.visibility = View.GONE
@@ -2174,7 +2434,7 @@ class TransferFragment : Fragment() {
     private fun updateTransferButton() {
         if (bmlOtpState != BmlOtpState.NONE) return
         val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
-        val recipientReady = if (bmlQrInfo != null) bmlQrInfo != null else resolvedAccountNumber.isNotBlank()
+        val recipientReady = bmlQrInfo != null || mfaisaQrInfo != null || resolvedAccountNumber.isNotBlank()
         val hasAll = selectedAccount != null && recipientReady && amount > 0
         if (!hasAll) { binding.btnTransfer.isEnabled = false; return }
         val errors = viewModel.connectivityErrors.value ?: emptySet()
@@ -2186,11 +2446,15 @@ class TransferFragment : Fragment() {
     private fun clearForm() {
         resetBmlOtpState()
         mfaisaHandler?.clearState()
+        mfaisaQrInfo = null
         selectedAccount = null
         binding.actvFrom.setText("", false)
         binding.cardFromInfo.visibility = View.GONE
         binding.tilFrom.visibility = View.VISIBLE
         binding.tilAmount.prefixText = null
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
         binding.etRemarks.setText("")
         resolvedAccountNumber = ""
@@ -2468,6 +2732,10 @@ class TransferFragment : Fragment() {
                         }
                         imageView.visibility = View.VISIBLE
                     }
+                    acc.bank == "MFAISA" -> {
+                        b.ivDropdownCardLogo.setImageResource(R.drawable.ooredoo_logo)
+                        b.ivDropdownCardLogo.visibility = View.VISIBLE
+                    }
                     else -> b.ivDropdownCardLogo.visibility = View.GONE
                 }
                 b.root

app/src/main/java/sh/sar/basedbank/ui/home/TransferReceiptData.kt

@@ -19,4 +19,10 @@ data class TransferReceiptData(
     val bmlReference: String = "",
     val bmlTimestamp: String = "",
     val bmlMessage: String = "",
+    // M-Faisa receipt fields
+    val mfaisaTransactionType: String = "",
+    val mfaisaFromName: String = "",
+    val mfaisaFromMsisdn: String = "",
+    val mfaisaToMsisdn: String = "",
+    val mfaisaTimestamp: Long = 0L,
 )

app/src/main/java/sh/sar/basedbank/ui/home/TransferReceiptFragment.kt

@@ -38,6 +38,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.FragmentReceiptBmlBinding
+import sh.sar.basedbank.databinding.FragmentReceiptMfaisaBinding
 import sh.sar.basedbank.databinding.FragmentReceiptMibBinding
 import java.io.File
 import java.io.FileOutputStream
@@ -68,6 +69,11 @@ class TransferReceiptFragment : Fragment() {
         private const val ARG_BML_REFERENCE       = "bml_reference"
         private const val ARG_BML_TIMESTAMP       = "bml_timestamp"
         private const val ARG_BML_MESSAGE         = "bml_message"
+        private const val ARG_MFAISA_TXN_TYPE     = "mfaisa_txn_type"
+        private const val ARG_MFAISA_FROM_NAME    = "mfaisa_from_name"
+        private const val ARG_MFAISA_FROM_MSISDN  = "mfaisa_from_msisdn"
+        private const val ARG_MFAISA_TO_MSISDN    = "mfaisa_to_msisdn"
+        private const val ARG_MFAISA_TIMESTAMP    = "mfaisa_timestamp"
 
         // Holds the already-rendered to-avatar bitmap from TransferFragment
         var pendingToAvatarBitmap: Bitmap? = null
@@ -91,22 +97,36 @@ class TransferReceiptFragment : Fragment() {
                 putString(ARG_BML_REFERENCE,  data.bmlReference)
                 putString(ARG_BML_TIMESTAMP,  data.bmlTimestamp)
                 putString(ARG_BML_MESSAGE,    data.bmlMessage)
+                putString(ARG_MFAISA_TXN_TYPE,    data.mfaisaTransactionType)
+                putString(ARG_MFAISA_FROM_NAME,   data.mfaisaFromName)
+                putString(ARG_MFAISA_FROM_MSISDN, data.mfaisaFromMsisdn)
+                putString(ARG_MFAISA_TO_MSISDN,   data.mfaisaToMsisdn)
+                putLong(ARG_MFAISA_TIMESTAMP,     data.mfaisaTimestamp)
             }
         }
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
-        return if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
-            bindMib(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
-            bindBml(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
+        return when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
+                bindMib(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(inflater, container, false)
+                bindMfaisa(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
+                bindBml(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
         }
     }
 
@@ -250,6 +270,49 @@ class TransferReceiptFragment : Fragment() {
         )
     }
 
+    private fun bindMfaisa(binding: FragmentReceiptMfaisaBinding) {
+        val args      = requireArguments()
+        val currency  = args.getString(ARG_CURRENCY, "MVR")
+        val amountStr = args.getString(ARG_AMOUNT, "")
+
+        val formattedAmount = try {
+            val d = amountStr.toDouble()
+            val intFmt = NumberFormat.getNumberInstance(Locale.US).apply { maximumFractionDigits = 0 }
+            intFmt.format(d.toLong()) + "%.2f".format(d).takeLast(3)
+        } catch (_: Exception) { amountStr }
+
+        binding.tvAmount.text = "$currency $formattedAmount"
+        binding.tvTransactionType.text = args.getString(ARG_MFAISA_TXN_TYPE, "")
+            .ifBlank { "Transfer to mobile" }
+        binding.tvFromName.text = args.getString(ARG_MFAISA_FROM_NAME, "")
+            .ifBlank { args.getString(ARG_FROM_LABEL, "") }
+        binding.tvFromMsisdn.text = args.getString(ARG_MFAISA_FROM_MSISDN, "")
+        binding.tvToName.text = args.getString(ARG_TO_LABEL, "")
+        binding.tvToMsisdn.text = args.getString(ARG_MFAISA_TO_MSISDN, "")
+            .ifBlank { args.getString(ARG_TO_ACCOUNT, "") }
+        binding.tvDateTime.text = formatMfaisaTimestamp(args.getLong(ARG_MFAISA_TIMESTAMP, 0L))
+
+        val remarks = args.getString(ARG_REMARKS, "")
+        if (!remarks.isNullOrBlank()) {
+            binding.tvRemarks.text = remarks
+            binding.remarksDivider.visibility = View.VISIBLE
+            binding.remarksRow.visibility = View.VISIBLE
+        }
+
+        copyOnLongClick(
+            binding.tvAmount, binding.tvStatus, binding.tvTransactionType,
+            binding.tvFromName, binding.tvFromMsisdn,
+            binding.tvToName, binding.tvToMsisdn,
+            binding.tvDateTime, binding.tvRemarks
+        )
+    }
+
+    private fun formatMfaisaTimestamp(millis: Long): String {
+        val effective = if (millis > 0) millis else System.currentTimeMillis()
+        val sdf = java.text.SimpleDateFormat("EEEE d MMMM yyyy HH:mm:ss z", Locale.US)
+        return sdf.format(java.util.Date(effective))
+    }
+
     // ── Share / Save ──────────────────────────────────────────────────────────
 
     private fun shareReceipt() {
@@ -366,14 +429,22 @@ class TransferReceiptFragment : Fragment() {
             setBackgroundColor(Color.BLACK)
         }
 
-        val cardView = if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
-            bindMib(binding)
-            binding.receiptCard
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
-            bindBml(binding)
-            binding.receiptCard
+        val cardView = when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
+                bindMib(binding)
+                binding.receiptCard
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(layoutInflater)
+                bindMfaisa(binding)
+                binding.receiptCard
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
+                bindBml(binding)
+                binding.receiptCard
+            }
         }
         (cardView.parent as? ViewGroup)?.removeView(cardView)
         cardView.setOnClickListener { dialog.dismiss() }

app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt

@@ -1,10 +1,20 @@
 package sh.sar.basedbank.ui.home.transfer
 
+import android.content.Context
 import android.graphics.Bitmap
+import android.graphics.Color
+import android.view.Gravity
 import android.view.View
+import android.widget.LinearLayout
+import android.widget.TextView
 import android.widget.Toast
+import androidx.biometric.BiometricManager
+import androidx.biometric.BiometricPrompt
+import androidx.core.content.ContextCompat
+import androidx.core.widget.addTextChangedListener
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
+import com.google.android.material.color.MaterialColors
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.launch
@@ -19,7 +29,11 @@ import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.ui.home.HomeActivity
 import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
 import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.AccountInputParser
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
 
 /**
  * Owns the M-Faisa-only parts of the Transfer screen: phone-based recipient lookup,
@@ -56,8 +70,11 @@ class MfaisaTransferHandler(
     /** Triggered when the user taps the search end-icon in `tilTo` (and source bank is MFAISA). */
     fun searchRecipient(rawInput: String) {
         if (lookupInFlight) return
-        val phone = rawInput.trim().removePrefix("960")
-        if (phone.isEmpty() || phone.length < 7) {
+        // Reuse the shared normalizer so "+960", "960", and embedded spaces work the same as
+        // they do for MIB/BML lookup. The result is a bare 7-digit MSISDN when input was a
+        // local phone number, untouched otherwise.
+        val phone = AccountInputParser.normalize(rawInput)
+        if (AccountInputParser.detect(phone) != AccountInputParser.InputType.PHONE) {
             binding.tilTo.error = "Enter a valid mobile number"
             return
         }
@@ -166,6 +183,16 @@ class MfaisaTransferHandler(
         binding.btnPickContact.visibility = View.GONE
         binding.btnScanQr.visibility = View.GONE
         binding.cardToInfo.visibility = View.VISIBLE
+
+        RecentsCache.save(ctx, RecentPick(
+            accountNumber  = r.msisdn,
+            displayName    = r.name.ifBlank { r.msisdn },
+            subtitle       = "Ooredoo M-Faisa · ${r.msisdn}",
+            colorHex       = "#ED1C24",
+            imageHash      = null,
+            isProfileImage = false,
+            bank           = "MFAISA"
+        ))
     }
 
     /** Initiate with one automatic retry if the session has expired. */
@@ -197,6 +224,15 @@ class MfaisaTransferHandler(
         }
     }
 
+    /**
+     * Shows the unified "confirm + enter OTP" dialog. Body is the standard transfer-confirm
+     * view (amount + from/to blocks via [TransferFragment.buildTransferConfirmView]) plus an
+     * OTP input. The Confirm button stays disabled until a 6-digit code is entered. Biometric
+     * gating + invalid-OTP re-prompt + session-refresh retry are all preserved.
+     *
+     * The displayed "code sent to" line uses the SOURCE M-Faisa login's MSISDN (where the SMS
+     * was actually sent) — the old standalone OTP dialog mistakenly showed the recipient.
+     */
     private fun promptForOtp(
         source: BankAccount,
         r: MfaisaTransferClient.Recipient,
@@ -205,32 +241,113 @@ class MfaisaTransferHandler(
         refId: String,
         errorMsg: String?
     ) {
+        val tf = fragment as? TransferFragment ?: return
+        val view = fragment.view ?: return
         val dp = ctx.resources.displayMetrics.density
-        val input = android.widget.EditText(ctx).apply {
-            hint = "Enter SMS code"
+        val colorMuted = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
+        val colorOutline = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOutlineVariant, Color.LTGRAY)
+
+        val amountValue = try { "%.2f".format(amountStr.toDouble()) } catch (_: Exception) { amountStr }
+        val confirmView = tf.buildTransferConfirmView(
+            amountCurrency = "MVR",
+            amountValue    = amountValue,
+            fromName       = source.accountBriefName,
+            fromNumber     = source.accountNumber,
+            fromDetail     = "M-Faisa",
+            toName         = r.name.ifBlank { r.msisdn },
+            toNumber       = r.msisdn,
+            toDetail       = "Ooredoo M-Faisa"
+        )
+
+        // The user's own M-Faisa MSISDN (where the SMS is sent). The session stores the bare
+        // 7 digits; prefix with 960 for display.
+        val userMsisdn = app.mfaisaSessionFor(source)?.msisdn
+            ?.takeIf { it.isNotBlank() }
+            ?.let { "960$it" }
+            ?: "your registered number"
+
+        val otpHeader = TextView(ctx).apply {
+            text = "A 6-digit verification code has been sent to $userMsisdn"
+            textSize = 13f
+            setTextColor(colorMuted)
+            gravity = Gravity.CENTER
+        }
+        val otpInput = android.widget.EditText(ctx).apply {
+            hint = "Enter 6-digit code"
             inputType = android.text.InputType.TYPE_CLASS_NUMBER
             filters = arrayOf(android.text.InputFilter.LengthFilter(6))
-            setPadding((24 * dp).toInt(), (8 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+            textSize = 20f
+            gravity = Gravity.CENTER
+            letterSpacing = 0.3f
         }
-        val message = buildString {
-            append("A 6-digit verification code has been sent to ${r.msisdn.replaceBefore('-', "")}.")
-            append("\n\nEnter it to complete the MVR $amountStr transfer to ${r.name}.")
-            if (errorMsg != null) append("\n\n$errorMsg")
+        val errorView = errorMsg?.let {
+            TextView(ctx).apply {
+                text = it
+                textSize = 13f
+                setTextColor(Color.RED)
+                gravity = Gravity.CENTER
+            }
         }
+        val divider = View(ctx).apply {
+            setBackgroundColor(colorOutline)
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).apply {
+                topMargin = (8 * dp).toInt()
+            }
+        }
+        val otpSection = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            setPadding((20 * dp).toInt(), (12 * dp).toInt(), (20 * dp).toInt(), (4 * dp).toInt())
+            addView(otpHeader, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT))
+            addView(otpInput, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                topMargin = (8 * dp).toInt()
+            })
+            if (errorView != null) {
+                addView(errorView, LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    topMargin = (8 * dp).toInt()
+                })
+            }
+        }
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            addView(confirmView)
+            addView(divider)
+            addView(otpSection)
+        }
+
+        // Hide any previously-open keyboard so the OTP field can claim focus cleanly.
+        val imm = ctx.getSystemService(Context.INPUT_METHOD_SERVICE) as android.view.inputmethod.InputMethodManager
+        imm.hideSoftInputFromWindow(view.windowToken, 0)
+
         val dialog = MaterialAlertDialogBuilder(ctx)
-            .setTitle("Enter verification code")
-            .setMessage(message)
-            .setView(input)
-            .setPositiveButton(R.string.verify, null)
+            .setTitle(R.string.transfer)
+            .setView(container)
+            .setPositiveButton(R.string.transfer_confirm, null)
             .setNegativeButton(R.string.cancel) { d, _ ->
                 d.dismiss()
                 binding.btnTransfer.isEnabled = true
             }
             .setCancelable(false)
             .show()
-        dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE).setOnClickListener {
-            val otp = input.text?.toString()?.trim().orEmpty()
-            if (otp.length != 6) { input.error = "Enter 6 digits"; return@setOnClickListener }
+
+        val confirmBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        confirmBtn.isEnabled = false
+        otpInput.addTextChangedListener { text ->
+            confirmBtn.isEnabled = (text?.length ?: 0) == 6
+        }
+
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val biometricTransferConfirm = prefs.getBoolean("biometrics_transfer_confirm", false)
+        val canAuth = BiometricManager.from(ctx)
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+
+        val runConfirm: () -> Unit = {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
             dialog.dismiss()
             (fragment.activity as? HomeActivity)?.setRefreshing(true)
 
@@ -240,7 +357,7 @@ class MfaisaTransferHandler(
                     (fragment.activity as? HomeActivity)?.setRefreshing(false)
                     val receipt = TransferReceiptData(
                         bank         = "MFAISA",
-                        amount       = "%.2f".format(amountStr.toDouble()),
+                        amount       = amountValue,
                         currency     = "MVR",
                         fromLabel    = source.accountBriefName,
                         fromColorHex = "#ED1C24",
@@ -248,14 +365,16 @@ class MfaisaTransferHandler(
                         toAccount    = r.msisdn,
                         toBank       = "Ooredoo M-Faisa",
                         remarks      = remarks,
-                        bmlFromName  = source.accountBriefName,
-                        bmlReference = refId,
-                        bmlMessage   = "Transfer Completed Successfully"
+                        mfaisaTransactionType = "Transfer to mobile",
+                        mfaisaFromName        = source.accountBriefName,
+                        mfaisaFromMsisdn      = source.accountNumber,
+                        mfaisaToMsisdn        = r.msisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
                     )
                     onTransferSuccess(receipt, null)
                 } catch (e: MfaisaInvalidOtpException) {
                     (fragment.activity as? HomeActivity)?.setRefreshing(false)
-                    // Server kept the referenceId alive — re-prompt without restarting initiate
+                    // Server kept the referenceId alive — re-prompt without restarting initiate.
                     promptForOtp(source, r, amountStr, remarks, refId, e.message)
                 } catch (e: Exception) {
                     (fragment.activity as? HomeActivity)?.setRefreshing(false)
@@ -264,6 +383,36 @@ class MfaisaTransferHandler(
                 }
             }
         }
+
+        confirmBtn.setOnClickListener {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
+            if (otp.length != 6) { otpInput.error = "Enter 6 digits"; return@setOnClickListener }
+            if (biometricTransferConfirm && canAuth) {
+                val prompt = BiometricPrompt(fragment, ContextCompat.getMainExecutor(ctx),
+                    object : BiometricPrompt.AuthenticationCallback() {
+                        override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                            runConfirm()
+                        }
+                        override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
+                            if (errorCode != BiometricPrompt.ERROR_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_USER_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_NEGATIVE_BUTTON) {
+                                Toast.makeText(ctx, errString, Toast.LENGTH_SHORT).show()
+                            }
+                        }
+                        override fun onAuthenticationFailed() { /* keep dialog open */ }
+                    })
+                prompt.authenticate(
+                    BiometricPrompt.PromptInfo.Builder()
+                        .setTitle(ctx.getString(R.string.biometric_transfer_title))
+                        .setSubtitle("MVR $amountValue → ${r.name.ifBlank { r.msisdn }}")
+                        .setNegativeButtonText(ctx.getString(android.R.string.cancel))
+                        .build()
+                )
+            } else {
+                runConfirm()
+            }
+        }
     }
 
     private fun showError(e: Exception) {

app/src/main/java/sh/sar/basedbank/util/ReceiptStore.kt

@@ -43,7 +43,12 @@ object ReceiptStore {
                         bmlFromName          = o.optString("bmlFromName"),
                         bmlReference         = o.optString("bmlReference"),
                         bmlTimestamp         = o.optString("bmlTimestamp"),
-                        bmlMessage           = o.optString("bmlMessage")
+                        bmlMessage           = o.optString("bmlMessage"),
+                        mfaisaTransactionType = o.optString("mfaisaTransactionType"),
+                        mfaisaFromName        = o.optString("mfaisaFromName"),
+                        mfaisaFromMsisdn      = o.optString("mfaisaFromMsisdn"),
+                        mfaisaToMsisdn        = o.optString("mfaisaToMsisdn"),
+                        mfaisaTimestamp       = o.optLong("mfaisaTimestamp", 0L)
                     ),
                     savedAt = o.optLong("savedAt", 0L)
                 )
@@ -75,6 +80,11 @@ object ReceiptStore {
                 put("bmlReference",          d.bmlReference)
                 put("bmlTimestamp",          d.bmlTimestamp)
                 put("bmlMessage",            d.bmlMessage)
+                put("mfaisaTransactionType", d.mfaisaTransactionType)
+                put("mfaisaFromName",        d.mfaisaFromName)
+                put("mfaisaFromMsisdn",      d.mfaisaFromMsisdn)
+                put("mfaisaToMsisdn",        d.mfaisaToMsisdn)
+                put("mfaisaTimestamp",       d.mfaisaTimestamp)
                 put("savedAt",               ts)
             })
             File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(arr.toString()))

app/src/main/java/sh/sar/basedbank/util/RecentsCache.kt

@@ -10,7 +10,10 @@ data class RecentPick(
     val subtitle: String,
     val colorHex: String,
     val imageHash: String?,
-    val isProfileImage: Boolean
+    val isProfileImage: Boolean,
+    /** Source bank tag for the recent — e.g. "MFAISA". Used by the picker to decide
+     *  per-bank selectability. Null for legacy entries; treated as unspecified. */
+    val bank: String? = null
 )
 
 object RecentsCache {
@@ -34,6 +37,7 @@ object RecentsCache {
                 put("colorHex", r.colorHex)
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
+                if (r.bank != null) put("bank", r.bank)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -51,6 +55,7 @@ object RecentsCache {
                 put("colorHex", r.colorHex)
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
+                if (r.bank != null) put("bank", r.bank)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -75,7 +80,8 @@ object RecentsCache {
                     subtitle = o.getString("subtitle"),
                     colorHex = o.getString("colorHex"),
                     imageHash = o.optString("imageHash").takeIf { it.isNotBlank() },
-                    isProfileImage = o.optBoolean("isProfileImage", false)
+                    isProfileImage = o.optBoolean("isProfileImage", false),
+                    bank = o.optString("bank").takeIf { it.isNotBlank() }
                 )
             }
         } catch (_: Exception) {

app/src/main/res/drawable/bg_mfaisa_receipt_gradient_bottom.xml

@@ -0,0 +1,9 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Gray-to-white vertical gradient at the bottom of the receipt, below the zigzag tear. -->
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <gradient
+        android:angle="90"
+        android:startColor="#FFFFFF"
+        android:endColor="#E5E6E7" />
+</shape>

app/src/main/res/drawable/bg_mfaisa_receipt_gradient_top.xml

@@ -0,0 +1,9 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- White-to-gray vertical gradient leading into the zigzag tear at the top of the receipt body. -->
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <gradient
+        android:angle="270"
+        android:startColor="#FFFFFF"
+        android:endColor="#E5E6E7" />
+</shape>

app/src/main/res/drawable/ic_mfaisa_receipt_check.xml

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Green check-in-circle used on the m-faisaa receipt next to the total amount. -->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="25dp"
+    android:height="25dp"
+    android:viewportWidth="25"
+    android:viewportHeight="25">
+    <path
+        android:fillColor="#00000000"
+        android:pathData="M22.917,11.541V12.5C22.916,14.746 22.188,16.932 20.843,18.731C19.498,20.53 17.608,21.846 15.454,22.483C13.3,23.12 10.997,23.043 8.89,22.265C6.783,21.486 4.984,20.048 3.762,18.163C2.539,16.279 1.958,14.05 2.106,11.808C2.254,9.567 3.122,7.433 4.582,5.726C6.041,4.018 8.013,2.828 10.205,2.333C12.396,1.838 14.688,2.065 16.74,2.979M22.917,4.166L12.5,14.594L9.375,11.469"
+        android:strokeColor="#B0E020"
+        android:strokeWidth="1.8"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round" />
+</vector>

app/src/main/res/drawable/mfaisaa_logo_with_text.xml

@@ -0,0 +1,24 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  M-Faisaa logo with text. Recolored from the decompiled original (white fill,
+  intended to be tinted by parent) to the brand red so it can be used directly.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="94dp"
+    android:height="123dp"
+    android:viewportWidth="94"
+    android:viewportHeight="123">
+    <group>
+        <clip-path android:pathData="M0.09,0h93.82v122.17h-93.82z" />
+        <path android:fillColor="#ED1C24" android:pathData="M62.06,49.1H61.96C61.75,49.09 61.54,49.04 61.34,48.94C61.15,48.85 60.97,48.72 60.83,48.56C60.69,48.39 60.58,48.21 60.51,48C60.43,47.8 60.4,47.58 60.42,47.37C60.98,40.13 62.75,33.04 65.64,26.38C65.89,25.8 65.9,25.15 65.67,24.57C65.44,23.98 64.99,23.51 64.41,23.25L55.36,19.21C54.84,18.97 54.24,18.93 53.68,19.1C53.13,19.27 52.66,19.63 52.35,20.13C50.47,23.4 49.18,26.99 48.55,30.72C48.52,30.93 48.45,31.14 48.34,31.32C48.24,31.51 48.09,31.67 47.92,31.8C47.75,31.93 47.55,32.03 47.34,32.08C47.13,32.14 46.92,32.15 46.7,32.12C46.49,32.09 46.28,32.02 46.1,31.91C45.91,31.8 45.75,31.66 45.62,31.49C45.49,31.32 45.39,31.12 45.34,30.91C45.28,30.7 45.27,30.49 45.3,30.27C45.97,26.1 47.4,22.09 49.53,18.44C50.25,17.26 51.37,16.38 52.7,15.97C54.02,15.56 55.44,15.64 56.7,16.21L65.75,20.24C67.11,20.86 68.17,21.98 68.72,23.37C69.26,24.76 69.24,26.3 68.67,27.68C65.91,33.98 64.23,40.7 63.7,47.55C63.67,47.97 63.49,48.37 63.18,48.65C62.88,48.94 62.47,49.1 62.05,49.1" />
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+    </group>
+</vector>

app/src/main/res/drawable/receipt_mfaisa_bottom.xml

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  Zigzag spike for the bottom edge of an m-faisa receipt body.
+  Teeth point downward into the gray footer gradient.
+  Drawn at a single color via tint in the layout.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="329dp"
+    android:height="34dp"
+    android:viewportWidth="329"
+    android:viewportHeight="34">
+    <path
+        android:fillColor="#FFFFFF"
+        android:pathData="M5.98,32.71L3.49,29.88C1.24,27.33 0,24.04 0,20.63L0,0.42L329,0.42L329,20.63C329,24.04 327.76,27.33 325.51,29.88L323.02,32.71C322.23,33.61 320.82,33.61 320.02,32.71L315.55,27.62C314.75,26.72 313.34,26.72 312.54,27.62L308.07,32.71C307.27,33.61 305.86,33.61 305.07,32.71L300.59,27.62C299.8,26.72 298.39,26.72 297.59,27.62L293.11,32.71C292.32,33.61 290.91,33.61 290.11,32.71L285.64,27.62C284.84,26.72 283.43,26.72 282.64,27.62L278.16,32.71C277.36,33.61 275.95,33.61 275.16,32.71L270.68,27.62C269.89,26.72 268.48,26.72 267.68,27.62L263.21,32.71C262.41,33.61 261,33.61 260.2,32.71L255.73,27.62C254.93,26.72 253.52,26.72 252.73,27.62L248.25,32.71C247.46,33.61 246.04,33.61 245.25,32.71L240.77,27.62C239.98,26.72 238.57,26.72 237.77,27.62L233.3,32.71C232.5,33.61 231.09,33.61 230.29,32.71L225.82,27.62C225.02,26.72 223.61,26.72 222.82,27.62L218.34,32.71C217.55,33.61 216.14,33.61 215.34,32.71L210.87,27.62C210.07,26.72 208.66,26.72 207.86,27.62L203.39,32.71C202.59,33.61 201.18,33.61 200.38,32.71L195.91,27.62C195.11,26.72 193.7,26.72 192.91,27.62L188.43,32.71C187.64,33.61 186.23,33.61 185.43,32.71L180.96,27.62C180.16,26.72 178.75,26.72 177.95,27.62L173.48,32.71C172.68,33.61 171.27,33.61 170.48,32.71L166,27.62C165.21,26.72 163.79,26.72 163,27.62L158.52,32.71C157.73,33.61 156.32,33.61 155.52,32.71L151.05,27.62C150.25,26.72 148.84,26.72 148.04,27.62L143.57,32.71C142.77,33.61 141.36,33.61 140.57,32.71L136.09,27.62C135.3,26.72 133.89,26.72 133.09,27.62L128.62,32.71C127.82,33.61 126.41,33.61 125.61,32.71L121.14,27.62C120.34,26.72 118.93,26.72 118.14,27.62L113.66,32.71C112.86,33.61 111.45,33.61 110.66,32.71L106.18,27.62C105.39,26.72 103.98,26.72 103.18,27.62L98.71,32.71C97.91,33.61 96.5,33.61 95.7,32.71L91.23,27.62C90.43,26.72 89.02,26.72 88.23,27.62L83.75,32.71C82.96,33.61 81.54,33.61 80.75,32.71L76.27,27.62C75.48,26.72 74.07,26.72 73.27,27.62L68.8,32.71C68,33.61 66.59,33.61 65.79,32.71L61.32,27.62C60.52,26.72 59.11,26.72 58.32,27.62L53.84,32.71C53.05,33.61 51.64,33.61 50.84,32.71L46.37,27.62C45.57,26.72 44.16,26.72 43.36,27.62L38.89,32.71C38.09,33.61 36.68,33.61 35.88,32.71L31.41,27.62C30.61,26.72 29.2,26.72 28.41,27.62L23.93,32.71C23.14,33.61 21.73,33.61 20.93,32.71L16.46,27.62C15.66,26.72 14.25,26.72 13.45,27.62L8.98,32.71C8.18,33.61 6.77,33.61 5.98,32.71Z" />
+</vector>

app/src/main/res/drawable/receipt_mfaisa_top.xml

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  Zigzag spike for the top edge of an m-faisa receipt body.
+  Teeth point upward into the gray header gradient.
+  Drawn at a single color via tint in the layout.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="329dp"
+    android:height="33dp"
+    android:viewportWidth="329"
+    android:viewportHeight="33">
+    <path
+        android:fillColor="#FFFFFF"
+        android:pathData="M323.02,0.71L325.51,3.53C327.76,6.09 329,9.38 329,12.78L329,33L0,33L0,12.78C0,9.38 1.24,6.09 3.49,3.53L5.98,0.71C6.77,-0.2 8.18,-0.2 8.98,0.71L13.45,5.79C14.25,6.7 15.66,6.7 16.46,5.79L20.93,0.71C21.73,-0.2 23.14,-0.2 23.93,0.71L28.41,5.79C29.2,6.7 30.61,6.7 31.41,5.79L35.88,0.71C36.68,-0.2 38.09,-0.2 38.89,0.71L43.36,5.79C44.16,6.7 45.57,6.7 46.37,5.79L50.84,0.71C51.64,-0.2 53.05,-0.2 53.84,0.71L58.32,5.79C59.11,6.7 60.52,6.7 61.32,5.79L65.79,0.71C66.59,-0.2 68,-0.2 68.8,0.71L73.27,5.79C74.07,6.7 75.48,6.7 76.27,5.79L80.75,0.71C81.54,-0.2 82.96,-0.2 83.75,0.71L88.23,5.79C89.02,6.7 90.43,6.7 91.23,5.79L95.7,0.71C96.5,-0.2 97.91,-0.2 98.71,0.71L103.18,5.79C103.98,6.7 105.39,6.7 106.18,5.79L110.66,0.71C111.45,-0.2 112.86,-0.2 113.66,0.71L118.14,5.79C118.93,6.7 120.34,6.7 121.14,5.79L125.61,0.71C126.41,-0.2 127.82,-0.2 128.62,0.71L133.09,5.79C133.89,6.7 135.3,6.7 136.09,5.79L140.57,0.71C141.36,-0.2 142.77,-0.2 143.57,0.71L148.04,5.79C148.84,6.7 150.25,6.7 151.05,5.79L155.52,0.71C156.32,-0.2 157.73,-0.2 158.52,0.71L163,5.79C163.79,6.7 165.21,6.7 166,5.79L170.48,0.71C171.27,-0.2 172.68,-0.2 173.48,0.71L177.95,5.79C178.75,6.7 180.16,6.7 180.96,5.79L185.43,0.71C186.23,-0.2 187.64,-0.2 188.43,0.71L192.91,5.79C193.7,6.7 195.11,6.7 195.91,5.79L200.38,0.71C201.18,-0.2 202.59,-0.2 203.39,0.71L207.86,5.79C208.66,6.7 210.07,6.7 210.87,5.79L215.34,0.71C216.14,-0.2 217.55,-0.2 218.34,0.71L222.82,5.79C223.61,6.7 225.02,6.7 225.82,5.79L230.29,0.71C231.09,-0.2 232.5,-0.2 233.3,0.71L237.77,5.79C238.57,6.7 239.98,6.7 240.77,5.79L245.25,0.71C246.04,-0.2 247.46,-0.2 248.25,0.71L252.73,5.79C253.52,6.7 254.93,6.7 255.73,5.79L260.2,0.71C261,-0.2 262.41,-0.2 263.21,0.71L267.68,5.79C268.48,6.7 269.89,6.7 270.68,5.79L275.16,0.71C275.95,-0.2 277.36,-0.2 278.16,0.71L282.64,5.79C283.43,6.7 284.84,6.7 285.64,5.79L290.11,0.71C290.91,-0.2 292.32,-0.2 293.11,0.71L297.59,5.79C298.39,6.7 299.8,6.7 300.59,5.79L305.07,0.71C305.86,-0.2 307.27,-0.2 308.07,0.71L312.54,5.79C313.34,6.7 314.75,6.7 315.55,5.79L320.02,0.71C320.82,-0.2 322.23,-0.2 323.02,0.71Z" />
+</vector>

app/src/main/res/layout/fragment_receipt_mfaisa.xml

@@ -0,0 +1,393 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical"
+    android:background="?attr/colorSurface">
+
+    <ScrollView
+        android:id="@+id/receiptContainer"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:overScrollMode="never"
+        android:scrollbars="none">
+
+        <!-- ════════════════════════════════════════════════════════════════════ -->
+        <!-- Renderable receipt card                                              -->
+        <!-- ════════════════════════════════════════════════════════════════════ -->
+        <LinearLayout
+            android:id="@+id/receiptCard"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:background="#FFFFFF">
+
+            <!-- Top: m-faisaa logo on white -->
+            <ImageView
+                android:layout_width="78dp"
+                android:layout_height="102dp"
+                android:layout_gravity="center_horizontal"
+                android:layout_marginTop="42dp"
+                android:src="@drawable/mfaisaa_logo_with_text"
+                android:contentDescription="@null" />
+
+            <!-- White→gray fade leading into the top zigzag tear -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="38dp"
+                android:layout_marginTop="22dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_top" />
+
+            <!-- Top zigzag tear: white teeth poking up into the gray fade above -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_top"
+                android:contentDescription="@null" />
+
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <!-- Receipt body                                                     -->
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:background="#FFFFFF"
+                android:paddingHorizontal="24dp"
+                android:paddingTop="40dp"
+                android:paddingBottom="32dp">
+
+                <!-- Total amount row with green check -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="horizontal"
+                    android:gravity="center_vertical">
+
+                    <LinearLayout
+                        android:layout_width="0dp"
+                        android:layout_height="wrap_content"
+                        android:layout_weight="1"
+                        android:orientation="vertical">
+
+                        <TextView
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Total Amount"
+                            android:textSize="13sp"
+                            android:textStyle="bold"
+                            android:textColor="#7A7A7A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                        <TextView
+                            android:id="@+id/tvAmount"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:layout_marginTop="4dp"
+                            android:textSize="30sp"
+                            android:textStyle="bold"
+                            android:textColor="#A2D40A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                    </LinearLayout>
+
+                    <ImageView
+                        android:layout_width="28dp"
+                        android:layout_height="28dp"
+                        android:src="@drawable/ic_mfaisa_receipt_check"
+                        android:contentDescription="@null" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:layout_marginTop="20dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Status -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Status"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvStatus"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:text="Success"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Transaction type -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Transaction type"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvTransactionType"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- From -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="From"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- To -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="To"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Date & Time -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Date &amp; Time"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvDateTime"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <!-- Remarks (hidden when empty) -->
+                <View
+                    android:id="@+id/remarksDivider"
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA"
+                    android:visibility="gone" />
+
+                <LinearLayout
+                    android:id="@+id/remarksRow"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp"
+                    android:visibility="gone">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Remarks"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvRemarks"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+            </LinearLayout>
+
+            <!-- Bottom zigzag tear: white teeth poking down into the gray fade below -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_bottom"
+                android:contentDescription="@null" />
+
+            <!-- Gray→white fade trailing the bottom zigzag -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="40dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_bottom" />
+
+        </LinearLayout>
+
+    </ScrollView>
+
+    <!-- ════════════════════════════════════════════════════════════════════════ -->
+    <!-- Action buttons — outside renderable area                                 -->
+    <!-- ════════════════════════════════════════════════════════════════════════ -->
+    <LinearLayout
+        android:id="@+id/btnRow"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="horizontal"
+        android:background="?attr/colorSurface"
+        android:paddingHorizontal="12dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="12dp">
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnShare"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginEnd="4dp"
+            android:text="Share"
+            app:icon="@drawable/ic_share" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSave"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginHorizontal="4dp"
+            android:text="Save"
+            app:icon="@drawable/ic_save" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnDone"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginStart="4dp"
+            android:text="Done" />
+
+    </LinearLayout>
+
+</LinearLayout>