diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ChatFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ChatFragment.kt
index 2564e7d..44d0358 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ChatFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ChatFragment.kt
@@ -26,6 +26,7 @@ import sh.sar.basedbank.databinding.FragmentChatBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ViewChatHeaderBinding
 import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.ContactImageCache
 import sh.sar.basedbank.util.ContactListParser
 import sh.sar.basedbank.util.ReceiptStore
@@ -35,9 +36,12 @@ import sh.sar.basedbank.util.ChatStore
 import sh.sar.basedbank.util.ChatThread
 
 /**
- * One person's transfers as a chat. A person can have several accounts (e.g. MVR and USD); the
- * "To" bar picks which one to send to. Sending opens [TransferFragment] in a sheet, prefilled with
- * the recipient, source account and amount, so the usual confirm/OTP flow still applies.
+ * One person's transfers as a chat, or one business's card / Scan to Pay payments.
+ *
+ * A person can have several accounts (e.g. MVR and USD); the "To" bar picks which one to send to.
+ * Sending opens [TransferFragment] in a sheet, prefilled with the recipient, source account,
+ * amount and note, so the usual confirm/OTP flow still applies. A monthly summary sits on top,
+ * and long-pressing a bubble offers Send again / receipt / copy.
  */
 class ChatFragment : Fragment(), ContactSheetHost {
 
@@ -48,11 +52,19 @@ class ChatFragment : Fragment(), ContactSheetHost {
 
     private var peerKey = ""
     private var header: ViewChatHeaderBinding? = null
-    private val adapter = ChatMessagesAdapter { openReceipt(it.receiptKey) }
+    private val adapter = ChatMessagesAdapter(
+        onReceiptClick = { openReceipt(it.receiptKey) },
+        onLongPress = { message, anchor -> showMessageMenu(message, anchor) }
+    )
     private var thread: ChatThread? = null
     private var fromAccounts: List<BankAccount> = emptyList()
     private var selectedFrom: BankAccount? = null
     private var selectedTo: ChatAccount? = null
+    private var merchantQr: String? = null
+    private var cardAccounts: List<BankAccount> = emptyList()
+    private var selectedCard: BankAccount? = null
+    /** When the last transfer / payment sheet was opened, to tell whether it left a new receipt. */
+    private var payStartedAt = 0L
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentChatBinding.inflate(inflater, container, false)
@@ -67,21 +79,26 @@ class ChatFragment : Fragment(), ContactSheetHost {
         adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
         viewModel.hideAmounts.observe(viewLifecycleOwner) {
             adapter.setHideAmounts(it)
-            selectedFrom?.let { acc -> bindAccountRow(binding.fromAccountRow, acc) }
+            thread?.let { t -> bindSummary(t) }
+            bindFromChip()
         }
 
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
             fromAccounts = accounts.filter { it.bank == "BML" && it.profileType !in CARD_OR_LOAN }
+            cardAccounts = accounts.filter {
+                it.bank == "BML" && it.profileType in CARD_TYPES && it.statusDesc.equals("Active", ignoreCase = true)
+            }
             bindFromAccounts()
         }
 
-        binding.cardFromAccount.setOnClickListener { showAccountPicker() }
+        binding.btnFrom.setOnClickListener { if (thread?.isMerchant == true) showCardPicker() else showAccountPicker() }
         binding.btnSaveContact.setOnClickListener { openContact() }
         binding.toAccountBar.setOnClickListener { showRecipientPicker() }
         binding.btnSend.setOnClickListener { send() }
-        binding.etAmount.setOnEditorActionListener { _, actionId, _ ->
+        binding.etNote.setOnEditorActionListener { _, actionId, _ ->
             if (actionId == EditorInfo.IME_ACTION_SEND) { send(); true } else false
         }
+        binding.btnPayAgain.setOnClickListener { payBusiness() }
 
         // Transfers started from this chat come straight back here instead of opening the receipt.
         parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
@@ -112,13 +129,14 @@ class ChatFragment : Fragment(), ContactSheetHost {
             adapter.showDestination = t.accounts.size > 1
             adapter.setMessages(t.messages, getString(R.string.chat_today), getString(R.string.chat_yesterday))
             binding.rvMessages.scrollToPosition(adapter.itemCount - 1)
-            updateToolbar()
+            bindSummary(t)
 
             bindFromAccounts()
             val previous = selectedTo
             val to = t.accounts.firstOrNull { it.account == previous?.account }
                 ?: t.accounts.firstOrNull { it.account == t.peerAccount }
             selectTo(to, matchFromCurrency = previous == null)
+            updateToolbar()
         }
     }
 
@@ -128,7 +146,19 @@ class ChatFragment : Fragment(), ContactSheetHost {
         val t = thread ?: return
         selectedTo = to
 
-        b.toAccountBar.visibility = if (to == null) View.GONE else View.VISIBLE
+        if (t.isMerchant) {
+            // Businesses paid by card / Scan to Pay: history only, nothing to send to or save.
+            b.toAccountBar.visibility = View.GONE
+            b.saveContactBar.visibility = View.GONE
+            b.composer.visibility = View.GONE
+            b.tvCannotSend.visibility = View.GONE
+            b.btnPayAgain.visibility = View.VISIBLE
+            bindMerchantQr(t)
+            return
+        }
+        b.btnPayAgain.visibility = View.GONE
+        // One account: it's shown in the header. Several: this bar picks between them.
+        b.toAccountBar.visibility = if (to == null || t.accounts.size < 2) View.GONE else View.VISIBLE
         if (to != null) {
             b.tvToAccount.text = to.account
             b.tvToCurrency.text = to.currency
@@ -151,6 +181,7 @@ class ChatFragment : Fragment(), ContactSheetHost {
             !selectedFrom?.currencyName.equals(to.currency, ignoreCase = true)) {
             fromAccounts.firstOrNull { it.currencyName.equals(to.currency, ignoreCase = true) }?.let(::selectFrom)
         }
+        updateCurrencyWarning()
     }
 
     private fun showRecipientPicker() {
@@ -171,12 +202,17 @@ class ChatFragment : Fragment(), ContactSheetHost {
                 ?: getString(R.string.chat_not_in_contacts)
             row.tvDropdownAccountNumber.text = account.account
             row.tvDropdownBalance.text = account.currency
-            row.tvDropdownAccountType.visibility = View.GONE
             row.ivDropdownCardLogo.visibility = View.GONE
+            // A USD account can only be paid from a USD account.
+            val unavailable = account.currency.equals("USD", ignoreCase = true) && !hasUsdSource()
+            row.tvDropdownAccountType.text = getString(R.string.chat_needs_usd_source)
+            row.tvDropdownAccountType.visibility = if (unavailable) View.VISIBLE else View.GONE
+            row.root.alpha = if (unavailable) 0.4f else 1f
             if (account.account == selectedTo?.account) row.root.setBackgroundColor(selectedBg)
             else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
-            row.root.setOnClickListener {
+            if (!unavailable) row.root.setOnClickListener {
                 selectTo(account, matchFromCurrency = true)
+                updateToolbar()
                 dialog.dismiss()
             }
             list.addView(row.root)
@@ -204,7 +240,11 @@ class ChatFragment : Fragment(), ContactSheetHost {
     }
 
     private fun onTransferDone() {
+        childFragmentManager.findFragmentByTag(TAG_HIDDEN_TRANSFER)?.let {
+            childFragmentManager.beginTransaction().remove(it).commitAllowingStateLoss()
+        }
         binding.etAmount.text = null
+        binding.etNote.text = null
         // The receipt shows the new bubble right away; history catches up a little later and
         // replaces it with the bank's own entry.
         sync()
@@ -212,12 +252,12 @@ class ChatFragment : Fragment(), ContactSheetHost {
             delay(HISTORY_CATCH_UP_MS)
             sync()
         }
-        Snackbar.make(binding.root, R.string.chat_transfer_sent, Snackbar.LENGTH_LONG)
-            .setAnchorView(binding.composer)
-            .setAction(R.string.chat_view_receipt) {
-                val latest = ReceiptStore.loadAll(requireContext()).firstOrNull() ?: return@setAction
-                openReceipt(latest.savedAt.toString())
-            }
+        // Only offer the receipt this payment made; QR payments don't save one.
+        val receipt = ReceiptStore.loadAll(requireContext()).firstOrNull()?.takeIf { it.savedAt >= payStartedAt }
+        val merchant = thread?.isMerchant == true
+        Snackbar.make(binding.root, if (merchant) R.string.chat_payment_sent else R.string.chat_transfer_sent, Snackbar.LENGTH_LONG)
+            .setAnchorView(if (binding.composer.visibility == View.VISIBLE) binding.composer else binding.btnPayAgain)
+            .apply { if (receipt != null) setAction(R.string.chat_view_receipt) { openReceipt(receipt.savedAt.toString()) } }
             .show()
     }
 
@@ -243,8 +283,208 @@ class ChatFragment : Fragment(), ContactSheetHost {
     private fun selectFrom(account: BankAccount) {
         val b = _binding ?: return
         selectedFrom = account
-        bindAccountRow(b.fromAccountRow, account)
+        bindFromChip()
         b.tilAmount.prefixText = account.currencyName
+        updateCurrencyWarning()
+    }
+
+    /** The chip shows the account (or, in a business chat, the card) paid from, with its balance. */
+    private fun bindFromChip() {
+        val b = _binding ?: return
+        val account = (if (thread?.isMerchant == true) selectedCard else selectedFrom) ?: return
+        val balance = AccountListParser.from(account)?.balance.orEmpty()
+        val hide = viewModel.hideAmounts.value ?: false
+        val money = when {
+            balance.isBlank() -> account.currencyName
+            hide -> AccountHistoryAdapter.maskAmount(balance)
+            else -> balance
+        }
+        b.btnFrom.text = getString(R.string.chat_from_chip, account.accountBriefName, account.accountNumber, money)
+        b.btnFrom.contentDescription = getString(R.string.chat_from_account) + ": " + b.btnFrom.text
+
+        // A card shows its network logo up front, in full colour; an account keeps the dropdown arrow.
+        val logo = if (thread?.isMerchant == true) sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(account) else null
+        val density = resources.displayMetrics.density
+        if (logo != null) {
+            b.btnFrom.setIconResource(logo)
+            b.btnFrom.iconTint = null
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_START
+            b.btnFrom.iconSize = (28 * density).toInt()
+        } else {
+            b.btnFrom.setIconResource(R.drawable.ic_arrow_right)
+            b.btnFrom.iconTint = android.content.res.ColorStateList.valueOf(
+                MaterialColors.getColor(b.btnFrom, com.google.android.material.R.attr.colorOnSecondaryContainer))
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_END
+            b.btnFrom.iconSize = (16 * density).toInt()
+        }
+    }
+
+    private fun showCardPicker() {
+        if (cardAccounts.isEmpty()) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_card)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (card in cardAccounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            bindAccountRow(row, card)
+            sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(card)?.let {
+                row.ivDropdownCardLogo.setImageResource(it)
+                row.ivDropdownCardLogo.visibility = View.VISIBLE
+            }
+            if (card.accountNumber == selectedCard?.accountNumber) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            row.root.setOnClickListener {
+                selectedCard = card
+                bindFromChip()
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    /**
+     * MVR can't be sent into a USD account: say so and disable Send. USD into an MVR account is
+     * converted by BML at its rate: allowed, with a warning.
+     */
+    private fun updateCurrencyWarning() {
+        val b = _binding ?: return
+        val from = selectedFrom?.currencyName.orEmpty()
+        val to = selectedTo?.currency.orEmpty()
+        val blocked = isBlockedPair(from, to)
+        val converts = from.equals("USD", ignoreCase = true) && to.equals("MVR", ignoreCase = true)
+        b.tvCurrencyWarning.text = when {
+            blocked -> getString(R.string.chat_currency_blocked)
+            converts -> getString(R.string.chat_currency_warning)
+            else -> null
+        }
+        b.tvCurrencyWarning.visibility = if (blocked || converts) View.VISIBLE else View.GONE
+        b.btnSend.isEnabled = !blocked
+    }
+
+    /** MVR → USD account: BML doesn't allow it. */
+    private fun isBlockedPair(fromCurrency: String, toCurrency: String) =
+        fromCurrency.equals("MVR", ignoreCase = true) && toCurrency.equals("USD", ignoreCase = true)
+
+    private fun hasUsdSource() = fromAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+
+    /** Looks up a saved static QR for this business: with one, the button pays it directly. */
+    private fun bindMerchantQr(t: ChatThread) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            val qr = withContext(Dispatchers.IO) { ChatStore.merchantQr(ctx, t.peerName) }
+            val b = _binding ?: return@launch
+            merchantQr = qr
+            b.btnPayAgain.text = if (qr != null) getString(R.string.chat_pay_business, t.peerName)
+                                 else getString(R.string.chat_pay_again)
+            // A saved QR is paid from a card picked here: show just the card chip above the button.
+            b.composer.visibility = if (qr != null && cardAccounts.isNotEmpty()) View.VISIBLE else View.GONE
+            b.amountRow.visibility = View.GONE
+            b.tvCurrencyWarning.visibility = View.GONE
+            if (qr != null && selectedCard == null) {
+                val lastCard = t.messages.lastOrNull { m -> cardAccounts.any { it.accountNumber == m.accountNumber } }?.accountNumber
+                val defaultCard = CredentialStore(requireContext()).getDefaultCardAccountNumber()
+                selectedCard = cardAccounts.firstOrNull { it.accountNumber == lastCard }
+                    ?: cardAccounts.firstOrNull { it.accountNumber == defaultCard }
+                    ?: cardAccounts.firstOrNull()
+            }
+            bindFromChip()
+        }
+    }
+
+    /** Saved static QR: pay it in the sheet over the chat. Otherwise: open the scanner. */
+    private fun payBusiness() {
+        val qr = merchantQr
+        if (qr == null) {
+            (requireActivity() as HomeActivity).showWithBackStack(TransferFragment.newInstanceWithAutoScan())
+            return
+        }
+        if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
+        val transfer = TransferFragment.newInstanceFromBmlQr(qr, selectedCard?.accountNumber, returnOnSuccess = true)
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+    }
+
+    /** This month with this person (sent / received / net) or at this business (spent / payments). */
+    private fun bindSummary(t: ChatThread) {
+        val b = _binding ?: return
+        val monthStart = java.util.Calendar.getInstance().apply {
+            set(java.util.Calendar.DAY_OF_MONTH, 1)
+            set(java.util.Calendar.HOUR_OF_DAY, 0); set(java.util.Calendar.MINUTE, 0)
+            set(java.util.Calendar.SECOND, 0); set(java.util.Calendar.MILLISECOND, 0)
+        }.timeInMillis
+        val thisMonth = t.messages.filter { it.timeMillis >= monthStart }
+        if (thisMonth.isEmpty()) { b.summaryCard.visibility = View.GONE; return }
+        // One currency per card: the selected account's, else the one used most this month.
+        val currency = selectedTo?.currency?.takeIf { c -> thisMonth.any { it.currency == c } }
+            ?: thisMonth.groupingBy { it.currency }.eachCount().maxByOrNull { it.value }!!.key
+        val ms = thisMonth.filter { it.currency == currency }
+        val hide = viewModel.hideAmounts.value ?: false
+        fun money(v: Double) = if (hide) "$currency ••••" else "$currency ${"%,.2f".format(v)}"
+        val month = java.text.SimpleDateFormat("MMMM", java.util.Locale.getDefault()).format(java.util.Date())
+
+        b.summaryCard.visibility = View.VISIBLE
+        val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+        if (t.isMerchant) {
+            b.tvSumLabel1.text = getString(R.string.chat_sum_spent, month)
+            b.tvSumValue1.text = money(sent)
+            b.sumColumn2.visibility = View.GONE
+            b.tvSumLabel3.text = getString(R.string.chat_sum_payments)
+            b.tvSumValue3.text = ms.size.toString()
+            return
+        }
+        val received = ms.filter { !it.isSent }.sumOf { it.amount }
+        val night = (resources.configuration.uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
+            android.content.res.Configuration.UI_MODE_NIGHT_YES
+        b.sumColumn2.visibility = View.VISIBLE
+        b.tvSumLabel1.text = getString(R.string.chat_sum_sent, month)
+        b.tvSumValue1.text = money(sent)
+        b.tvSumValue1.setTextColor(MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorError))
+        b.tvSumLabel2.text = getString(R.string.chat_sum_received)
+        b.tvSumValue2.text = money(received)
+        b.tvSumValue2.setTextColor(android.graphics.Color.parseColor(if (night) "#81C784" else "#2E7D32"))
+        b.tvSumLabel3.text = getString(R.string.chat_sum_net)
+        val net = received - sent
+        b.tvSumValue3.text = if (hide) "••••" else (if (net < 0) "−" else "+") + "%,.2f".format(kotlin.math.abs(net))
+    }
+
+    /** Long-press on a bubble: send the same again, open its receipt, or copy its reference. */
+    private fun showMessageMenu(m: sh.sar.basedbank.util.ChatMessage, anchor: View) {
+        val t = thread ?: return
+        val menu = android.widget.PopupMenu(requireContext(), anchor, android.view.Gravity.END)
+        val amount = "%.2f".format(kotlin.math.abs(m.amount))
+        val canSendAgain = m.isSent && !t.isMerchant && selectedTo != null
+        if (canSendAgain) menu.menu.add(0, 1, 0, getString(R.string.chat_send_again, "${m.currency} $amount"))
+        if (m.receiptKey.isNotBlank()) menu.menu.add(0, 2, 1, R.string.chat_view_receipt_full)
+        if (m.reference.isNotBlank()) menu.menu.add(0, 3, 2, R.string.chat_copy_reference)
+        if (menu.menu.size() == 0) return
+        menu.setOnMenuItemClickListener { item ->
+            when (item.itemId) {
+                1 -> {
+                    // Same account it went to, when that account is still one of theirs.
+                    t.accounts.firstOrNull { it.account == m.peerAccount }?.let { selectTo(it, matchFromCurrency = true) }
+                    binding.etAmount.setText(amount)
+                    binding.etNote.setText(m.note)
+                    send()
+                }
+                2 -> openReceipt(m.receiptKey)
+                3 -> {
+                    val clipboard = requireContext().getSystemService(android.content.ClipboardManager::class.java)
+                    clipboard.setPrimaryClip(android.content.ClipData.newPlainText("reference", m.reference))
+                    Snackbar.make(binding.root, R.string.chat_reference_copied, Snackbar.LENGTH_SHORT).show()
+                }
+            }
+            true
+        }
+        menu.show()
     }
 
     /** Fills an account row: name, full account number, balance (masked when amounts are hidden). */
@@ -275,9 +515,16 @@ class ChatFragment : Fragment(), ContactSheetHost {
         for (account in fromAccounts) {
             val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
             bindAccountRow(row, account)
+            // MVR can't go into a USD account: show those accounts, but not selectable.
+            val blocked = isBlockedPair(account.currencyName, selectedTo?.currency.orEmpty())
+            if (blocked) {
+                row.tvDropdownAccountType.text = getString(R.string.chat_cant_send_mvr_to_usd)
+                row.tvDropdownAccountType.visibility = View.VISIBLE
+                row.root.alpha = 0.4f
+            }
             if (account.accountNumber == selectedFrom?.accountNumber) row.root.setBackgroundColor(selectedBg)
             else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
-            row.root.setOnClickListener {
+            if (!blocked) row.root.setOnClickListener {
                 selectFrom(account)
                 dialog.dismiss()
             }
@@ -291,6 +538,7 @@ class ChatFragment : Fragment(), ContactSheetHost {
         val t = thread ?: return
         val from = selectedFrom ?: return
         val to = selectedTo ?: return
+        if (isBlockedPair(from.currencyName, to.currency)) return
         val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull()
         if (amount == null || amount <= 0.0) {
             binding.tilAmount.error = getString(R.string.chat_amount_invalid)
@@ -301,12 +549,39 @@ class ChatFragment : Fragment(), ContactSheetHost {
             accountNumber     = to.account,
             displayName       = to.contact?.benefNickName?.takeIf { it.isNotBlank() } ?: t.peerName,
             amount            = "%.2f".format(amount),
-            remarks           = null,
+            remarks           = binding.etNote.text?.toString()?.trim()?.takeIf { it.isNotBlank() },
             fromAccountNumber = from.accountNumber,
-            returnOnSuccess   = true
+            returnOnSuccess   = true,
+            autoConfirm       = true
         )
         if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
-        TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        if (isBusinessProfile(from)) {
+            // Business profiles confirm with an OTP typed into the Transfer page: show it in a sheet.
+            TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+        } else {
+            // Personal profiles confirm automatically: run the Transfer page hidden, so only its
+            // confirm dialog appears over the chat. A new send replaces any earlier one.
+            childFragmentManager.beginTransaction()
+                .replace(R.id.hiddenTransferHost, transfer, TAG_HIDDEN_TRANSFER)
+                .commit()
+        }
+    }
+
+    /** Same rule as the Transfer page: the account's BML login profile is a business one. */
+    private fun isBusinessProfile(account: BankAccount): Boolean {
+        val profiles = app.bmlProfilesMap[account.loginTag.removePrefix("bml_")] ?: return false
+        return profiles.firstOrNull { it.profileId == account.profileId }?.profileType == "business"
+    }
+
+    /** Closes the composer's keyboard so the transfer sheet doesn't open pushed up by it. */
+    private fun hideKeyboard() {
+        val b = _binding ?: return
+        val focused = b.root.findFocus() ?: return
+        requireContext().getSystemService(android.view.inputmethod.InputMethodManager::class.java)
+            ?.hideSoftInputFromWindow(focused.windowToken, 0)
+        focused.clearFocus()
     }
 
     /** Shows the photo, contact name and real name in the toolbar; tapping it opens the contact. */
@@ -318,13 +593,23 @@ class ChatFragment : Fragment(), ContactSheetHost {
             h.root.setOnClickListener { openContact() }
         }
         h.tvHeaderName.text = t.peerName
-        // Show the real account-holder name when the chat is titled with a nickname.
-        val subtitle = t.realName.takeIf { !it.equals(t.peerName, ignoreCase = true) }.orEmpty()
+        // Real name (when titled with a nickname), plus the account and currency when there's only one.
+        val subtitle = if (t.isMerchant) getString(R.string.chat_merchant_subtitle) else listOfNotNull(
+            t.realName.takeIf { it.isNotBlank() && !it.equals(t.peerName, ignoreCase = true) },
+            selectedTo?.takeIf { t.accounts.size == 1 }?.account,
+            selectedTo?.takeIf { t.accounts.size == 1 }?.currency?.takeIf { it.isNotBlank() }
+        ).joinToString(" · ")
         h.tvHeaderAccount.text = subtitle
         h.tvHeaderAccount.visibility = if (subtitle.isBlank()) View.GONE else View.VISIBLE
         val sizePx = (40 * resources.displayMetrics.density).toInt()
-        val photo = t.contact?.customerImgHash?.let { ContactImageCache.load(requireContext(), it) }
-        h.ivHeaderAvatar.setImageBitmap(photo ?: contactInitialsBitmap(t.peerName, ChatsAdapter.avatarColor(t.peerKey), sizePx))
+        if (t.isMerchant) {
+            h.ivHeaderAvatar.shapeAppearanceModel = com.google.android.material.shape.ShapeAppearanceModel.builder()
+                .setAllCornerSizes(10 * resources.displayMetrics.density).build()
+            h.ivHeaderAvatar.setImageBitmap(ChatsAdapter.shopBitmap(h.root, ChatsAdapter.merchantColor(t.peerKey), sizePx))
+        } else {
+            val photo = t.contact?.customerImgHash?.let { ContactImageCache.load(requireContext(), it) }
+            h.ivHeaderAvatar.setImageBitmap(photo ?: contactInitialsBitmap(t.peerName, ChatsAdapter.avatarColor(t.peerKey), sizePx))
+        }
 
         requireActivity().title = t.peerName
         bar.setDisplayShowTitleEnabled(false)
@@ -334,6 +619,7 @@ class ChatFragment : Fragment(), ContactSheetHost {
 
     private fun openContact() {
         val t = thread ?: return
+        if (t.isMerchant) return
         val display = (selectedTo?.contact ?: t.contact)?.let { ContactListParser.from(it) }
         if (display != null) {
             if (childFragmentManager.findFragmentByTag("contact_details") != null) return
@@ -389,7 +675,9 @@ class ChatFragment : Fragment(), ContactSheetHost {
     companion object {
         private const val ARG_PEER_KEY = "peer_key"
         private const val HISTORY_CATCH_UP_MS = 10_000L
+        private const val TAG_HIDDEN_TRANSFER = "transfer_hidden"
         private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
+        private val CARD_TYPES = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT")
 
         fun newInstance(peerKey: String) = ChatFragment().apply {
             arguments = Bundle().apply { putString(ARG_PEER_KEY, peerKey) }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ChatMessagesAdapter.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ChatMessagesAdapter.kt
index 32412c8..4ffea29 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ChatMessagesAdapter.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ChatMessagesAdapter.kt
@@ -2,33 +2,46 @@ package sh.sar.basedbank.ui.home
 
 import android.content.res.Configuration
 import android.graphics.Color
-import android.graphics.drawable.GradientDrawable
+import android.graphics.Typeface
+import android.text.SpannableStringBuilder
+import android.text.Spanned
 import android.text.format.DateUtils
+import android.text.style.StyleSpan
 import android.view.Gravity
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.LinearLayout
+import androidx.core.graphics.ColorUtils
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.color.MaterialColors
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.shape.ShapeAppearanceModel
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ItemChatBubbleBinding
 import sh.sar.basedbank.databinding.ItemChatDateBinding
 import sh.sar.basedbank.util.ChatMessage
 
-/** Transfers with one person as chat bubbles: sent on the right, received on the left. */
+/**
+ * One chat's transfers or payments as compact bubbles — sent / paid on the right, received on the
+ * left — with ✓ (seen in a BML alert) or ✓✓ (booked in history). Day separators carry the day's
+ * totals.
+ */
 class ChatMessagesAdapter(
-    private val onReceiptClick: (ChatMessage) -> Unit
+    private val onReceiptClick: (ChatMessage) -> Unit,
+    private val onLongPress: (ChatMessage, View) -> Unit
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
-    private sealed class Item {
-        data class DateChip(val label: String) : Item()
+    /** Rows of the list: a day separator or a bubble. */
+    sealed class Item {
+        data class DateChip(val day: String, val messages: List<ChatMessage>) : Item()
         data class Bubble(val message: ChatMessage) : Item()
     }
 
     private val items = mutableListOf<Item>()
     private var hideAmounts = false
+    private var todayLabel = ""
+    private var yesterdayLabel = ""
 
     /** When the person has several accounts, sent bubbles say which one the money went to. */
     var showDestination = false
@@ -41,20 +54,12 @@ class ChatMessagesAdapter(
 
     /** [messages] must be oldest first. */
     fun setMessages(messages: List<ChatMessage>, todayLabel: String, yesterdayLabel: String) {
+        this.todayLabel = todayLabel
+        this.yesterdayLabel = yesterdayLabel
         items.clear()
-        var lastDay = ""
-        for (m in messages) {
-            val day = m.date.take(10)
-            if (day != lastDay) {
-                val label = when {
-                    DateUtils.isToday(m.timeMillis) -> todayLabel
-                    DateUtils.isToday(m.timeMillis + DateUtils.DAY_IN_MILLIS) -> yesterdayLabel
-                    else -> AccountHistoryAdapter.formatDateHeader(m.date)
-                }
-                items.add(Item.DateChip(label))
-                lastDay = day
-            }
-            items.add(Item.Bubble(m))
+        messages.groupBy { it.date.take(10) }.forEach { (day, dayMessages) ->
+            items.add(Item.DateChip(day, dayMessages))
+            dayMessages.forEach { items.add(Item.Bubble(it)) }
         }
         notifyDataSetChanged()
     }
@@ -74,87 +79,125 @@ class ChatMessagesAdapter(
 
     override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
         when (val item = items[position]) {
-            is Item.DateChip -> (holder as DateVH).b.tvDate.text = item.label
+            is Item.DateChip -> (holder as DateVH).bind(item)
             is Item.Bubble -> (holder as BubbleVH).bind(item.message)
         }
     }
 
-    class DateVH(val b: ItemChatDateBinding) : RecyclerView.ViewHolder(b.root)
+    private fun formatAmount(m: ChatMessage) =
+        if (hideAmounts) "${m.currency} ••••••" else "${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}"
+
+    private fun isNight(view: View) =
+        (view.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+
+    private fun ticksFor(m: ChatMessage) = if (m.isBooked) "✓✓" else "✓"
+
+    private fun tickColor(view: View, m: ChatMessage, fallback: Int) =
+        if (m.isBooked) Color.parseColor(if (isNight(view)) "#90CAF9" else "#1565C0") else fallback
+
+    inner class DateVH(private val b: ItemChatDateBinding) : RecyclerView.ViewHolder(b.root) {
+        fun bind(item: Item.DateChip) {
+            val first = item.messages.first()
+            val label = when {
+                DateUtils.isToday(first.timeMillis) -> todayLabel
+                DateUtils.isToday(first.timeMillis + DateUtils.DAY_IN_MILLIS) -> yesterdayLabel
+                else -> AccountHistoryAdapter.formatDateHeader(first.date)
+            }
+            val text = SpannableStringBuilder(label)
+            text.setSpan(StyleSpan(Typeface.BOLD), 0, label.length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+            if (!hideAmounts) {
+                // Day totals per currency: ↑ sent, ↓ received.
+                val parts = item.messages.groupBy { it.currency }.map { (ccy, ms) ->
+                    val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+                    val received = ms.filter { !it.isSent }.sumOf { it.amount }
+                    listOfNotNull(
+                        "↑ %.2f".format(sent).takeIf { sent > 0 },
+                        "↓ %.2f".format(received).takeIf { received > 0 }
+                    ).joinToString(" · ").let { if (item.messages.map { m -> m.currency }.toSet().size > 1) "$ccy $it" else it }
+                }.filter { it.isNotBlank() }
+                if (parts.isNotEmpty()) text.append("   ").append(parts.joinToString("   "))
+            }
+            b.tvDate.text = text
+        }
+    }
 
     inner class BubbleVH(private val b: ItemChatBubbleBinding) : RecyclerView.ViewHolder(b.root) {
         fun bind(m: ChatMessage) {
             val ctx = b.root.context
             val sent = m.isSent
+            val night = isNight(b.root)
+            val density = ctx.resources.displayMetrics.density
 
             b.bubbleRow.gravity = if (sent) Gravity.END else Gravity.START
             (b.cardBubble.layoutParams as LinearLayout.LayoutParams).gravity = if (sent) Gravity.END else Gravity.START
-            (b.tvMeta.layoutParams as LinearLayout.LayoutParams).gravity = if (sent) Gravity.END else Gravity.START
 
-            // Sent: tinted like the mockup. Received: neutral grey with an outline, so the two
-            // read apart even on a red-tinted theme.
-            val night = (ctx.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+            // Rounded, with a small "tail" corner on the sender's side at the bottom.
+            val rtl = b.root.layoutDirection == View.LAYOUT_DIRECTION_RTL
+            val big = 18 * density
+            val tail = 4 * density
+            val tailOnRight = sent != rtl
+            b.cardBubble.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                .setTopLeftCornerSize(big).setTopRightCornerSize(big)
+                .setBottomLeftCornerSize(if (tailOnRight) big else tail)
+                .setBottomRightCornerSize(if (tailOnRight) tail else big)
+                .build()
+
+            // Sent: tinted. Received: neutral with an outline, so the two read apart on any theme.
             val bg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorErrorContainer)
-                     else Color.parseColor(if (night) "#2A2C2E" else "#F1F2F4")
+                     else Color.parseColor(if (night) "#2A2C2E" else "#FFFFFF")
             val fg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnErrorContainer)
                      else MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnSurface)
+            val green = Color.parseColor(if (night) "#81C784" else "#2E7D32")
             b.cardBubble.setCardBackgroundColor(bg)
-            b.cardBubble.strokeWidth = if (sent) 0 else (1 * ctx.resources.displayMetrics.density).toInt()
+            b.cardBubble.strokeWidth = if (sent) 0 else density.toInt()
             b.cardBubble.strokeColor = MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOutlineVariant)
-            b.tvLabel.setTextColor(fg)
-            b.tvAmount.setTextColor(fg)
-            b.tvAccount.setTextColor(fg)
-            b.tvNote.setTextColor(fg)
-            b.btnReceipt.setColorFilter(fg)
-            b.btnReceipt.visibility = if (m.receiptKey.isNotBlank()) View.VISIBLE else View.GONE
-            b.btnReceipt.setOnClickListener { onReceiptClick(m) }
 
-            b.tvLabel.text = ctx.getString(if (sent) R.string.chat_sent_label else R.string.chat_received_label)
-            // Own account on its own line so long names aren't cut off by the receipt icon and tag.
-            b.tvAccount.text = when {
-                !sent -> ctx.getString(R.string.chat_into_label, m.accountDisplayName)
-                showDestination && m.peerAccount.isNotBlank() ->
-                    ctx.getString(R.string.chat_from_to_label, m.accountDisplayName, m.peerAccount)
-                else -> ctx.getString(R.string.chat_from_label, m.accountDisplayName)
-            }
-            b.tvAccount.visibility = if (m.accountDisplayName.isBlank()) View.GONE else View.VISIBLE
-            b.tvBadge.text = ctx.getString(if (sent) R.string.chat_debit else R.string.chat_credit)
-            // Debit uses the bubble's own text colour; Credit a green that stays readable in both themes.
-            val badgeFg = if (sent) fg else Color.parseColor(if (night) "#81C784" else "#2E7D32")
-            b.tvBadge.setTextColor(badgeFg)
-            b.tvBadge.background = GradientDrawable().apply {
-                cornerRadius = 10 * ctx.resources.displayMetrics.density
-                setColor(androidx.core.graphics.ColorUtils.setAlphaComponent(badgeFg, 0x2E))
-            }
-
-            b.tvAmount.text = if (hideAmounts) "${m.currency} ••••••"
-                              else "${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}"
+            b.tvAmount.text = if (sent) formatAmount(m) else "+ ${formatAmount(m)}"
+            b.tvAmount.setTextColor(if (sent) fg else green)
             b.tvNote.text = m.note
+            b.tvNote.setTextColor(fg)
             b.tvNote.visibility = if (m.note.isBlank()) View.GONE else View.VISIBLE
 
-            val time = AccountHistoryAdapter.formatTime(m.date)
-            b.tvMeta.text = if (sent) ctx.getString(R.string.chat_sent_meta, time) else time
+            b.btnReceipt.visibility = if (m.receiptKey.isNotBlank()) View.VISIBLE else View.GONE
+            b.btnReceipt.setColorFilter(fg)
+            b.btnReceipt.setOnClickListener { onReceiptClick(m) }
 
-            b.cardBubble.setOnClickListener { showDetail(m) }
-        }
-
-        private fun showDetail(m: ChatMessage) {
-            val ctx = b.root.context
-            val details = buildString {
-                val sign = if (m.isSent) "-" else "+"
-                append("Amount\n$sign ${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}\n\n")
-                append("Date\n${AccountHistoryAdapter.formatFullDate(m.date)}\n\n")
-                if (m.note.isNotBlank()) append("Remarks\n${m.note}\n\n")
-                if (m.reference.isNotBlank()) append("Reference\n${m.reference}\n\n")
-                append("Account\n${m.accountDisplayName}")
+            b.tvAccount.text = when {
+                !sent -> ctx.getString(R.string.chat_into_short, m.accountDisplayName)
+                showDestination && m.peerAccount.isNotBlank() ->
+                    ctx.getString(R.string.chat_account_to, m.accountDisplayName, m.peerAccount)
+                else -> m.accountDisplayName
             }
-            MaterialAlertDialogBuilder(ctx)
-                .setTitle(m.peerName)
-                .setMessage(details)
-                .setPositiveButton("OK", null)
-                .show()
+            b.tvAccount.setTextColor(fg)
+            b.tvTime.text = AccountHistoryAdapter.formatTime(m.date)
+            b.tvTime.setTextColor(fg)
+            b.tvTicks.text = ticksFor(m)
+            b.tvTicks.setTextColor(tickColor(b.root, m, ColorUtils.setAlphaComponent(fg, 0xB3)))
+            b.tvTicks.contentDescription = ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)
+
+            b.cardBubble.setOnClickListener { showDetail(b.root, m) }
+            b.cardBubble.setOnLongClickListener { onLongPress(m, b.cardBubble); true }
         }
     }
 
+    private fun showDetail(anchor: View, m: ChatMessage) {
+        val ctx = anchor.context
+        val details = buildString {
+            val sign = if (m.isSent) "-" else "+"
+            append("Amount\n$sign ${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}\n\n")
+            append("Date\n${AccountHistoryAdapter.formatFullDate(m.date)}\n\n")
+            if (m.note.isNotBlank()) append("Remarks\n${m.note}\n\n")
+            if (m.reference.isNotBlank()) append("Reference\n${m.reference}\n\n")
+            append("Account\n${m.accountDisplayName}\n\n")
+            append("Status\n${ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)}")
+        }
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(m.peerName)
+            .setMessage(details)
+            .setPositiveButton("OK", null)
+            .show()
+    }
+
     companion object {
         private const val TYPE_DATE = 0
         private const val TYPE_BUBBLE = 1
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ChatsAdapter.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ChatsAdapter.kt
index 526cdf9..192b6c0 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ChatsAdapter.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ChatsAdapter.kt
@@ -1,26 +1,46 @@
 package sh.sar.basedbank.ui.home
 
+import android.content.res.Configuration
+import android.graphics.Bitmap
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
+import android.graphics.RectF
 import android.text.format.DateUtils
 import android.view.LayoutInflater
+import android.view.View
 import android.view.ViewGroup
+import androidx.core.content.ContextCompat
 import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.shape.ShapeAppearanceModel
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ItemChatBinding
 import sh.sar.basedbank.util.ChatThread
 import sh.sar.basedbank.util.ContactImageCache
 
-/** Telegram-style chat list: one row per person, latest transfer as the preview. */
+/**
+ * Telegram-style chat list: one row per person or business, latest transfer as the preview.
+ * Pinned chats come first; long-press selects a chat (for pinning).
+ */
 class ChatsAdapter(
-    private val onChatClick: (ChatThread) -> Unit
+    private val onChatClick: (ChatThread) -> Unit,
+    private val onChatLongPress: (ChatThread) -> Unit
 ) : RecyclerView.Adapter<ChatsAdapter.ViewHolder>() {
 
     private var allThreads: List<ChatThread> = emptyList()
     private var displayed: List<ChatThread> = emptyList()
+    private var pinned: List<String> = emptyList()
     private var searchQuery = ""
     private var hideAmounts = false
 
-    fun updateThreads(threads: List<ChatThread>) {
+    /** Chat key shown as selected (long-pressed), or null. */
+    var selectedKey: String? = null
+        set(value) { field = value; notifyDataSetChanged() }
+
+    fun updateThreads(threads: List<ChatThread>, pinnedKeys: List<String>) {
         allThreads = threads
+        pinned = pinnedKeys
         applyFilter()
     }
 
@@ -35,15 +55,20 @@ class ChatsAdapter(
         notifyDataSetChanged()
     }
 
+    fun isPinned(key: String) = key in pinned
+
     val isEmpty get() = displayed.isEmpty()
 
     private fun applyFilter() {
-        displayed = if (searchQuery.isBlank()) allThreads else allThreads.filter {
+        val matching = if (searchQuery.isBlank()) allThreads else allThreads.filter {
             it.peerName.contains(searchQuery, ignoreCase = true) ||
                 it.realName.contains(searchQuery, ignoreCase = true) ||
                 it.peerAccount.contains(searchQuery) ||
                 it.messages.any { m -> m.note.contains(searchQuery, ignoreCase = true) }
         }
+        // Pinned first, most recently pinned on top; the rest stay newest first.
+        val (pinnedThreads, others) = matching.partition { it.peerKey in pinned }
+        displayed = pinnedThreads.sortedBy { pinned.indexOf(it.peerKey) } + others
         notifyDataSetChanged()
     }
 
@@ -53,6 +78,11 @@ class ChatsAdapter(
             val pos = holder.bindingAdapterPosition
             if (pos != RecyclerView.NO_POSITION) onChatClick(displayed[pos])
         }
+        holder.binding.root.setOnLongClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onChatLongPress(displayed[pos])
+            pos != RecyclerView.NO_POSITION
+        }
         return holder
     }
 
@@ -63,31 +93,80 @@ class ChatsAdapter(
     inner class ViewHolder(val binding: ItemChatBinding) : RecyclerView.ViewHolder(binding.root) {
         fun bind(thread: ChatThread) {
             val ctx = binding.root.context
+            val night = (ctx.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
             val last = thread.last
             binding.tvName.text = thread.peerName
 
             val amount = if (hideAmounts) "${last.currency} ••••••"
                          else "${last.currency} ${"%.2f".format(kotlin.math.abs(last.amount))}"
-            binding.tvPreview.text = if (last.isSent) {
-                val note = last.note.takeIf { it.isNotBlank() }?.let { " · $it" }.orEmpty()
-                ctx.getString(R.string.chat_preview_sent, amount) + note
-            } else {
-                ctx.getString(R.string.chat_preview_received, amount)
+            val ticks = if (last.isBooked) " ✓✓" else " ✓"
+            binding.tvPreview.text = when {
+                last.merchant -> ctx.getString(R.string.chat_preview_paid, amount) + ticks
+                last.isSent -> {
+                    val note = last.note.takeIf { it.isNotBlank() }?.let { " · $it" }.orEmpty()
+                    ctx.getString(R.string.chat_preview_sent, amount) + note + ticks
+                }
+                else -> ctx.getString(R.string.chat_preview_received, amount)
             }
+            binding.tvPreview.setTextColor(
+                if (!last.isSent) Color.parseColor(if (night) "#81C784" else "#2E7D32")
+                else MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorOnSurfaceVariant)
+            )
 
             binding.tvTime.text = if (DateUtils.isToday(last.timeMillis)) AccountHistoryAdapter.formatTime(last.date)
                                   else AccountHistoryAdapter.formatDateOnly(last.date)
 
             val sizePx = (52 * ctx.resources.displayMetrics.density).toInt()
-            val photo = thread.contact?.customerImgHash?.let { ContactImageCache.load(ctx, it) }
-            binding.ivAvatar.setImageBitmap(photo ?: contactInitialsBitmap(thread.peerName, avatarColor(thread.peerKey), sizePx))
+            if (thread.isMerchant) {
+                // Businesses get a rounded-square shop icon; people keep round initials or a photo.
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                    .setAllCornerSizes(14 * ctx.resources.displayMetrics.density).build()
+                binding.ivAvatar.setImageBitmap(shopBitmap(binding.root, merchantColor(thread.peerKey), sizePx))
+            } else {
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder().setAllCornerSizes(sizePx / 2f).build()
+                val photo = thread.contact?.customerImgHash?.let { ContactImageCache.load(ctx, it) }
+                binding.ivAvatar.setImageBitmap(photo ?: contactInitialsBitmap(thread.peerName, avatarColor(thread.peerKey), sizePx))
+            }
+
+            val isPinned = thread.peerKey in pinned
+            binding.ivPin.visibility = if (isPinned) View.VISIBLE else View.GONE
+            // Selected (long-pressed): tinted; pinned: a soft surface; otherwise the normal ripple.
+            when {
+                thread.peerKey == selectedKey -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorErrorContainer))
+                isPinned -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorSurfaceContainerHigh))
+                else -> binding.root.setBackgroundResource(selectableBackground(binding.root))
+            }
         }
     }
 
+    private fun selectableBackground(view: View): Int {
+        val out = android.util.TypedValue()
+        view.context.theme.resolveAttribute(android.R.attr.selectableItemBackground, out, true)
+        return out.resourceId
+    }
+
     companion object {
         private val AVATAR_COLORS = listOf("#E8B04B", "#5C9CE6", "#E57373", "#66BB6A", "#9575CD", "#4DB6AC", "#F06292", "#FF8A65")
+        private val MERCHANT_COLORS = listOf("#6D4C41", "#546E7A", "#5D4037", "#455A64", "#8D6E63", "#37474F")
 
         /** Stable per-person avatar colour, so a chat keeps its colour between visits. */
         fun avatarColor(peerKey: String) = AVATAR_COLORS[(peerKey.hashCode() and 0x7fffffff) % AVATAR_COLORS.size]
+
+        fun merchantColor(peerKey: String) = MERCHANT_COLORS[(peerKey.hashCode() and 0x7fffffff) % MERCHANT_COLORS.size]
+
+        /** Shop icon on a coloured square; the image view's shape rounds the corners. */
+        fun shopBitmap(view: View, colorHex: String, sizePx: Int): Bitmap {
+            val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+            val canvas = Canvas(bm)
+            canvas.drawRect(RectF(0f, 0f, sizePx.toFloat(), sizePx.toFloat()),
+                Paint(Paint.ANTI_ALIAS_FLAG).apply { color = Color.parseColor(colorHex) })
+            val icon = ContextCompat.getDrawable(view.context, R.drawable.ic_store)?.mutate() ?: return bm
+            val inset = sizePx / 4
+            icon.setBounds(inset, inset, sizePx - inset, sizePx - inset)
+            icon.draw(canvas)
+            return bm
+        }
     }
 }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ChatsFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ChatsFragment.kt
index c6052b9..3d959d2 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ChatsFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ChatsFragment.kt
@@ -1,30 +1,45 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Activity
+import android.content.Intent
 import android.os.Bundle
+import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
 import android.view.LayoutInflater
 import android.view.Menu
 import android.view.MenuInflater
 import android.view.MenuItem
 import android.view.View
 import android.view.ViewGroup
+import androidx.appcompat.app.AppCompatActivity
+import androidx.appcompat.view.ActionMode
 import androidx.core.view.MenuProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.core.widget.addTextChangedListener
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.lifecycle.Lifecycle
 import androidx.lifecycle.lifecycleScope
 import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.snackbar.Snackbar
 import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.delay
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentChatsBinding
+import sh.sar.basedbank.util.PaymvQrParser
 import sh.sar.basedbank.util.ChatStore
+import sh.sar.basedbank.util.ChatThread
 import java.text.DateFormat
 import java.util.Date
 
-/** Transfers grouped by person, shown as a chat list. Contacts is reachable from the toolbar. */
+/**
+ * Transfers grouped by person or business, shown as a chat list. Contacts is reachable from the
+ * toolbar; long-press a chat to pin it to the top.
+ */
 class ChatsFragment : Fragment() {
 
     private var _binding: FragmentChatsBinding? = null
@@ -33,6 +48,13 @@ class ChatsFragment : Fragment() {
     private val app get() = requireActivity().application as BasedBankApp
 
     private lateinit var adapter: ChatsAdapter
+
+    private val scanLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        onQrScanned(raw)
+    }
+    private var actionMode: ActionMode? = null
     private var syncedThisView = false
     private var syncedWithContacts = false
 
@@ -42,9 +64,13 @@ class ChatsFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        adapter = ChatsAdapter { thread ->
-            (requireActivity() as HomeActivity).showWithBackStack(ChatFragment.newInstance(thread.peerKey))
-        }
+        adapter = ChatsAdapter(
+            onChatClick = { thread ->
+                if (actionMode != null) actionMode?.finish()
+                else (requireActivity() as HomeActivity).showWithBackStack(ChatFragment.newInstance(thread.peerKey))
+            },
+            onChatLongPress = { thread -> startSelection(thread) }
+        )
         binding.rvChats.layoutManager = LinearLayoutManager(requireContext())
         binding.rvChats.adapter = adapter
 
@@ -55,6 +81,31 @@ class ChatsFragment : Fragment() {
 
         binding.swipeRefresh.setOnRefreshListener { sync() }
 
+        // Scan to Pay: opens the QR scanner; after paying it comes back here and refreshes.
+        binding.fabScanPay.setOnClickListener {
+            scanLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
+        parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
+            sync()
+            // BML's alert often lands a few seconds after the payment: check again shortly.
+            viewLifecycleOwner.lifecycleScope.launch {
+                delay(RECHECK_AFTER_PAYMENT_MS)
+                if (_binding != null) sync()
+            }
+        }
+        // Keep the button above the system navigation bar when there's no bottom bar.
+        val fabMargin = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.fabScanPay) { v, insets ->
+            val bottomNav = NavCustomization.getNavMode(
+                requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE)
+            ) == NavCustomization.NAV_MODE_BOTTOM
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            (v.layoutParams as android.widget.FrameLayout.LayoutParams).bottomMargin =
+                fabMargin + if (bottomNav) 0 else navBar
+            v.requestLayout()
+            insets
+        }
+
         requireActivity().addMenuProvider(object : MenuProvider {
             override fun onCreateMenu(menu: Menu, menuInflater: MenuInflater) {
                 menu.add(Menu.NONE, R.id.action_open_contacts, 0, R.string.nav_contacts)
@@ -106,13 +157,80 @@ class ChatsFragment : Fragment() {
         val ctx = requireContext().applicationContext
         val contacts = viewModel.contacts.value ?: emptyList()
         viewLifecycleOwner.lifecycleScope.launch {
-            val threads = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) }
+            val (threads, pins) = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) to ChatStore.pins(ctx) }
             if (_binding == null) return@launch
-            adapter.updateThreads(threads)
+            adapter.updateThreads(threads, pins)
             updateEmptyView()
         }
     }
 
+    /**
+     * A scanned QR: BML Scan to Pay (static or card-machine) opens the payment, a PayMV QR opens a
+     * transfer. Either way, success comes back to this list, which then refreshes.
+     */
+    private fun onQrScanned(raw: String) {
+        val activity = requireActivity() as HomeActivity
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
+            activity.showWithBackStack(TransferFragment.newInstanceFromBmlQr(bmlTarget, null, returnOnSuccess = true))
+            return
+        }
+        val qr = PaymvQrParser.parse(raw)
+        val account = qr?.accountNumber
+        if (account == null) {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            return
+        }
+        activity.showWithBackStack(TransferFragment.newInstanceFromQr(
+            accountNumber   = account,
+            displayName     = qr.merchantName ?: account,
+            amount          = qr.amount,
+            remarks         = qr.purpose,
+            returnOnSuccess = true
+        ))
+    }
+
+    /** Long-press: select the chat and offer Pin / Unpin in the top bar. */
+    private fun startSelection(thread: ChatThread) {
+        adapter.selectedKey = thread.peerKey
+        val pinned = adapter.isPinned(thread.peerKey)
+        val callback = object : ActionMode.Callback {
+            override fun onCreateActionMode(mode: ActionMode, menu: Menu): Boolean {
+                mode.title = getString(R.string.chat_selected_one)
+                menu.add(Menu.NONE, R.id.action_pin_chat, 0, if (pinned) R.string.chat_unpin else R.string.chat_pin)
+                    .setIcon(R.drawable.ic_pin)
+                    .setShowAsAction(MenuItem.SHOW_AS_ACTION_ALWAYS or MenuItem.SHOW_AS_ACTION_WITH_TEXT)
+                return true
+            }
+            override fun onPrepareActionMode(mode: ActionMode, menu: Menu) = false
+            override fun onActionItemClicked(mode: ActionMode, item: MenuItem): Boolean {
+                if (item.itemId != R.id.action_pin_chat) return false
+                setPinned(thread, !pinned, offerUndo = true)
+                mode.finish()
+                return true
+            }
+            override fun onDestroyActionMode(mode: ActionMode) {
+                actionMode = null
+                adapter.selectedKey = null
+            }
+        }
+        actionMode?.finish()
+        actionMode = (requireActivity() as AppCompatActivity).startSupportActionMode(callback)
+    }
+
+    private fun setPinned(thread: ChatThread, pin: Boolean, offerUndo: Boolean) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.setPinned(ctx, thread.peerKey, pin) }
+            loadThreads()
+            val b = _binding ?: return@launch
+            if (!offerUndo) return@launch
+            Snackbar.make(b.root, getString(if (pin) R.string.chat_pinned_msg else R.string.chat_unpinned_msg, thread.peerName), Snackbar.LENGTH_LONG)
+                .setAction(R.string.chat_undo) { setPinned(thread, !pin, offerUndo = false) }
+                .show()
+        }
+    }
+
     private fun updateEmptyView() {
         val b = _binding ?: return
         b.emptyView.visibility = if (adapter.isEmpty) View.VISIBLE else View.GONE
@@ -132,7 +250,12 @@ class ChatsFragment : Fragment() {
     }
 
     override fun onDestroyView() {
+        actionMode?.finish()
         super.onDestroyView()
         _binding = null
     }
+
+    companion object {
+        private const val RECHECK_AFTER_PAYMENT_MS = 10_000L
+    }
 }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
index d36bf63..8ecd01f 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -246,6 +246,7 @@ class TransferFragment : Fragment() {
         private const val ARG_BML_QR_URL = "bml_qr_url"
         private const val ARG_AUTO_SCAN = "auto_scan"
         private const val ARG_RETURN_ON_SUCCESS = "return_on_success"
+        private const val ARG_AUTO_CONFIRM = "auto_confirm"
 
         /** Fragment result sent instead of opening the receipt when [ARG_RETURN_ON_SUCCESS] is set. */
         const val RESULT_TRANSFER_DONE = "transfer_done"
@@ -254,10 +255,11 @@ class TransferFragment : Fragment() {
             arguments = Bundle().apply { putBoolean(ARG_AUTO_SCAN, true) }
         }
 
-        fun newInstanceFromBmlQr(qrUrl: String, fromAccountNumber: String? = null) = TransferFragment().apply {
+        fun newInstanceFromBmlQr(qrUrl: String, fromAccountNumber: String? = null, returnOnSuccess: Boolean = false) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_BML_QR_URL, qrUrl)
                 if (fromAccountNumber != null) putString(ARG_FROM_ACCOUNT, fromAccountNumber)
+                if (returnOnSuccess) putBoolean(ARG_RETURN_ON_SUCCESS, true)
             }
         }
 
@@ -287,7 +289,8 @@ class TransferFragment : Fragment() {
             amount: String?,
             remarks: String?,
             fromAccountNumber: String? = null,
-            returnOnSuccess: Boolean = false
+            returnOnSuccess: Boolean = false,
+            autoConfirm: Boolean = false
         ) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT, accountNumber)
@@ -298,6 +301,7 @@ class TransferFragment : Fragment() {
                 if (amount != null) putString(ARG_AMOUNT_PREFILL, amount)
                 if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
                 if (returnOnSuccess) putBoolean(ARG_RETURN_ON_SUCCESS, true)
+                if (autoConfirm) putBoolean(ARG_AUTO_CONFIRM, true)
             }
         }
     }
@@ -308,17 +312,23 @@ class TransferFragment : Fragment() {
      * the receipt is already in ReceiptStore.
      */
     private fun showReceipt(receipt: TransferReceiptData, avatar: Bitmap?) {
-        val activity = requireActivity() as HomeActivity
-        if (arguments?.getBoolean(ARG_RETURN_ON_SUCCESS) == true) {
-            activity.supportFragmentManager.setFragmentResult(RESULT_TRANSFER_DONE, Bundle())
-            // Hosted in a sheet (e.g. over a chat): close the sheet; otherwise leave this page.
-            val sheet = parentFragment as? androidx.fragment.app.DialogFragment
-            if (sheet != null) sheet.dismiss() else parentFragmentManager.popBackStack()
-        } else {
-            activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+        if (!returnToCallerIfRequested()) {
+            (requireActivity() as HomeActivity).showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
         }
     }
 
+    /**
+     * When opened with returnOnSuccess, tells the caller the payment went through and goes back to
+     * it — closing the sheet this page is hosted in, if any. Returns false when not requested.
+     */
+    internal fun returnToCallerIfRequested(): Boolean {
+        if (arguments?.getBoolean(ARG_RETURN_ON_SUCCESS) != true) return false
+        requireActivity().supportFragmentManager.setFragmentResult(RESULT_TRANSFER_DONE, Bundle())
+        val sheet = parentFragment as? androidx.fragment.app.DialogFragment
+        if (sheet != null) sheet.dismiss() else parentFragmentManager.popBackStack()
+        return true
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentTransferBinding.inflate(inflater, container, false)
         return binding.root
@@ -401,6 +411,16 @@ class TransferFragment : Fragment() {
         arguments?.getString(ARG_AMOUNT_PREFILL)?.let { binding.etAmount.setText(it) }
         arguments?.getString(ARG_REMARKS_PREFILL)?.let { binding.etRemarks.setText(it) }
 
+        // Opened fully filled in (e.g. from a chat): go straight to the confirm dialog, once. Posted
+        // so the source account, picked when the accounts arrive, is selected first.
+        if (arguments?.getBoolean(ARG_AUTO_CONFIRM) == true) {
+            view.post {
+                if (_binding == null || arguments?.getBoolean(ARG_AUTO_CONFIRM) != true) return@post
+                arguments?.remove(ARG_AUTO_CONFIRM)
+                if (selectedAccount != null && resolvedAccountNumber.isNotBlank()) initiateTransfer()
+            }
+        }
+
         arguments?.getString(ARG_BML_QR_URL)?.let { bmlHandler().lookupQrMerchant(it) }
 
         if (arguments?.getBoolean(ARG_AUTO_SCAN, false) == true) {
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferSheetFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferSheetFragment.kt
index a298e39..5774110 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferSheetFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferSheetFragment.kt
@@ -38,9 +38,11 @@ class TransferSheetFragment : BottomSheetDialogFragment() {
     override fun onStart() {
         super.onStart()
         (dialog as? BottomSheetDialog)?.let { d ->
-            // Keep the amount/remarks fields above the keyboard.
+            // Keep the amount/remarks fields above the keyboard, but don't open it by itself.
             @Suppress("DEPRECATION")
-            d.window?.setSoftInputMode(WindowManager.LayoutParams.SOFT_INPUT_ADJUST_RESIZE)
+            d.window?.setSoftInputMode(
+                WindowManager.LayoutParams.SOFT_INPUT_ADJUST_RESIZE or WindowManager.LayoutParams.SOFT_INPUT_STATE_ALWAYS_HIDDEN
+            )
             d.behavior.skipCollapsed = true
             d.behavior.state = BottomSheetBehavior.STATE_EXPANDED
         }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
index 8a5bcbe..5834688 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
@@ -351,6 +351,7 @@ class BmlTransferHandler(
                 ) {
                     fragment.clearForm()
                     host?.triggerRefresh()
+                    fragment.returnToCallerIfRequested()
                 }
             } else {
                 dialog.dismiss()
diff --git a/app/src/main/java/sh/sar/basedbank/util/ChatStore.kt b/app/src/main/java/sh/sar/basedbank/util/ChatStore.kt
index 3835591..b435d1e 100644
--- a/app/src/main/java/sh/sar/basedbank/util/ChatStore.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/ChatStore.kt
@@ -32,9 +32,12 @@ data class ChatMessage(
     val note: String = "",           // remarks — only known for transfers sent from this app
     val peerAccount: String = "",    // only known for transfers sent from this app
     val receiptKey: String = "",     // ReceiptStore entry (its savedAt) for transfers sent from this app
-    val dateOnly: Boolean = false    // bank gave only a date (Favara); time of day unknown
+    val dateOnly: Boolean = false,   // bank gave only a date (Favara); time of day unknown
+    val merchant: Boolean = false    // card / Scan to Pay payment to a business, not a person
 ) {
     val isSent get() = amount < 0
+    /** In BML's account history (✓✓); otherwise only seen in a notification or receipt so far (✓). */
+    val isBooked get() = id.startsWith("bml_")
     /** "yyyy-MM-dd HH:mm:ss", the format AccountHistoryAdapter's date helpers expect. */
     val date: String get() = DATE_FMT.format(Date(timeMillis))
 
@@ -51,11 +54,12 @@ data class ChatAccount(
 )
 
 data class ChatThread(
-    val peerKey: String,             // "name:<normalised real name>"
+    val peerKey: String,             // "name:<normalised real name>" or "shop:<normalised business name>"
     val peerName: String,            // contact nickname, else the real name
     val realName: String,            // account holder's name as the bank knows it; may be blank
     val accounts: List<ChatAccount>, // empty = no known account, sending from the chat is disabled
-    val messages: List<ChatMessage>  // oldest first
+    val messages: List<ChatMessage>, // oldest first
+    val isMerchant: Boolean = false  // a business paid by card / Scan to Pay; nothing to send to
 ) {
     val last get() = messages.last()
     val contact: BankContact? get() = accounts.firstNotNullOfOrNull { it.contact }
@@ -67,7 +71,7 @@ data class ChatThread(
 }
 
 /**
- * Encrypted local record of BML transfers, shown as chats.
+ * Encrypted local record of BML transfers and card / Scan to Pay payments, shown as chats.
  *
  * Old history is never loaded: the first call to [sync] only stamps the start time, and every
  * later sync keeps transfers newer than it. Each sync reads BML's transfer notifications (instant),
@@ -77,16 +81,24 @@ data class ChatThread(
 object ChatStore {
 
     private const val FILE_NAME = "chats.json"
+    private const val PINS_FILE_NAME = "chat_pins.json"
+    private const val QR_FILE_NAME = "chat_merchant_qr.json"
+    /** Prefix [RecentsCache] uses for static BML merchant QRs the user has paid. */
+    private const val RECENT_QR_PREFIX = "bmlqr:"
     private val lock = Any()
 
     private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
     private val TRANSFER_TYPES = setOf("Transfer Debit", "Transfer Credit", "Favara Debit", "Favara Credit")
+    /** Card and Scan to Pay payments; narrative2 is the business name. */
+    private val MERCHANT_TYPES = setOf("Purchase")
 
     /** "You have received MVR 5.00 from NAME to 7730*****1234" */
     private val NOTIF_RECEIVED = Regex("""You have received ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (.+) to (\S+)""")
     /** "You have sent MVR 5.00 from 7730*****1234 to NAME" */
     private val NOTIF_SENT = Regex("""You have sent ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
-    /** Masked own account in notifications, e.g. "7730*****1234". */
+    /** "You have paid MVR 5.00 from 4xxx********xxxx to BUSINESS" (Scan to Pay / card); the name may be cut short. */
+    private val NOTIF_PAID = Regex("""You have paid ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
+    /** Masked own account or card in notifications, e.g. "7730*****1234". */
     private val MASKED_ACCOUNT = Regex("""(\d{3,})\*+(\d{3,})""")
 
     /** How far apart two records of the same transfer can be timestamped. */
@@ -96,6 +108,7 @@ object ChatStore {
     private const val MAX_PAGES_PER_SYNC = 5
 
     private const val NAME_KEY_PREFIX = "name:"
+    private const val MERCHANT_KEY_PREFIX = "shop:"
 
     private data class State(val sinceMillis: Long, val messages: List<ChatMessage>)
 
@@ -125,7 +138,14 @@ object ChatStore {
             lookedUp[account]?.name?.takeIf { it.isNotBlank() }
                 ?: contactsByAccount[account]?.benefName?.takeIf { it.isNotBlank() }
 
+        // Notifications cut business names short ("FAMILY ROOM" for "FAMILY ROOM COFFEE"); file a
+        // short name under the longest known name it starts.
+        val merchantNames = messages.filter { it.merchant }.map { it.peerKey }.toSet()
+        fun merchantKey(name: String) =
+            merchantNames.filter { it.startsWith(name) }.maxByOrNull { it.length } ?: name
+
         fun keyOf(m: ChatMessage): String {
+            if (m.merchant) return MERCHANT_KEY_PREFIX + merchantKey(m.peerKey)
             val name = m.peerAccount.takeIf { it.isNotBlank() }?.let(::realNameOf) ?: m.peerName
             return NAME_KEY_PREFIX + normalise(name)
         }
@@ -145,6 +165,12 @@ object ChatStore {
 
         return messages.groupBy(::keyOf).map { (key, msgs) ->
             val sorted = msgs.sortedBy { it.timeMillis }
+            if (key.startsWith(MERCHANT_KEY_PREFIX)) {
+                // History carries the full business name; notifications may not.
+                val name = sorted.lastOrNull { it.id.startsWith("bml_") }?.peerName
+                    ?: sorted.maxByOrNull { it.peerName.length }!!.peerName
+                return@map ChatThread(key, name, "", emptyList(), sorted, isMerchant = true)
+            }
             val accounts = accountsByKey[key]?.values?.toList().orEmpty()
             // Bank history and the account lookup carry the real name; a receipt only has our label.
             val realName = accounts.firstNotNullOfOrNull { lookedUp[it.account]?.name?.takeIf { n -> n.isNotBlank() } }
@@ -221,7 +247,8 @@ object ChatStore {
 
     private fun sh.sar.basedbank.api.models.BankTransaction.toChatMessage(time: Long, since: Long): ChatMessage? {
         val name = counterpartyName?.trim().orEmpty()
-        if (description !in TRANSFER_TYPES || name.isBlank()) return null
+        val merchant = description in MERCHANT_TYPES
+        if ((description !in TRANSFER_TYPES && !merchant) || name.isBlank()) return null
         // Favara (other-bank) entries carry only a date; keep those from the start day onwards.
         val dateOnly = date.contains("T00:00:00")
         if (if (dateOnly) time < startOfDay(since) else time < since) return null
@@ -235,7 +262,8 @@ object ChatStore {
             accountNumber      = accountNumber,
             accountDisplayName = accountDisplayName,
             reference          = reference.orEmpty(),
-            dateOnly           = dateOnly
+            dateOnly           = dateOnly,
+            merchant           = merchant
         )
     }
 
@@ -266,9 +294,11 @@ object ChatStore {
         val text = n.message.trim()
         val received = NOTIF_RECEIVED.matchEntire(text)
         val sent = if (received == null) NOTIF_SENT.matchEntire(text) else null
+        val paid = if (received == null && sent == null) NOTIF_PAID.matchEntire(text) else null
         val (currency, amountText, name, ownMasked) = when {
             received != null -> received.destructured.let { (c, a, who, own) -> listOf(c, a, who, own) }
             sent != null -> sent.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
+            paid != null -> paid.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
             else -> return null
         }
         if (MASKED_ACCOUNT.matches(name.trim())) return null  // between the user's own accounts
@@ -285,7 +315,8 @@ object ChatStore {
             currency           = currency,
             timeMillis         = n.timestampMs,
             accountNumber      = own?.accountNumber.orEmpty(),
-            accountDisplayName = own?.accountBriefName ?: ownMasked
+            accountDisplayName = own?.accountBriefName ?: "•••• ${ownMasked.takeLast(4)}",
+            merchant           = paid != null
         )
     }
 
@@ -340,7 +371,8 @@ object ChatStore {
                     reference     = k.reference.ifBlank { candidate.reference },
                     note          = k.note.ifBlank { candidate.note },
                     peerAccount   = k.peerAccount.ifBlank { candidate.peerAccount },
-                    receiptKey    = k.receiptKey.ifBlank { candidate.receiptKey }
+                    receiptKey    = k.receiptKey.ifBlank { candidate.receiptKey },
+                    merchant      = k.merchant || candidate.merchant
                 )
                 absorbed.getOrPut(k.id) { mutableSetOf() } += r
             } else {
@@ -359,12 +391,14 @@ object ChatStore {
     private fun sameTransfer(a: ChatMessage, b: ChatMessage): Boolean {
         if (a.reference.isNotBlank() && a.reference == b.reference) return true
         if (a.isSent != b.isSent || kotlin.math.abs(a.amount - b.amount) >= 0.005) return false
+        // A payment to a business is never the same as a transfer to a person (receipts aren't tagged).
+        val receipt = a.id.startsWith("rcpt_") || b.id.startsWith("rcpt_")
+        if (!receipt && a.merchant != b.merchant) return false
         if (a.currency.isNotBlank() && b.currency.isNotBlank() && !a.currency.equals(b.currency, ignoreCase = true)) return false
         if (a.accountNumber.isNotBlank() && b.accountNumber.isNotBlank() && a.accountNumber != b.accountNumber) return false
         if (a.dateOnly || b.dateOnly) {
             // A date-only entry could be any transfer that day, so the names must agree too.
             if (startOfDay(a.timeMillis) != startOfDay(b.timeMillis)) return false
-            val receipt = a.id.startsWith("rcpt_") || b.id.startsWith("rcpt_")
             return receipt || a.peerKey == b.peerKey || a.peerKey.contains(b.peerKey) || b.peerKey.contains(a.peerKey)
         }
         return kotlin.math.abs(a.timeMillis - b.timeMillis) <= MATCH_WINDOW_MS
@@ -375,7 +409,63 @@ object ChatStore {
         set(Calendar.HOUR_OF_DAY, 0); set(Calendar.MINUTE, 0); set(Calendar.SECOND, 0); set(Calendar.MILLISECOND, 0)
     }.timeInMillis
 
-    fun clearAll(context: Context) = synchronized(lock) { File(context.filesDir, FILE_NAME).delete() }
+    fun clearAll(context: Context) = synchronized(lock) {
+        File(context.filesDir, FILE_NAME).delete()
+        File(context.filesDir, PINS_FILE_NAME).delete()
+        File(context.filesDir, QR_FILE_NAME).delete()
+    }
+
+    // ─── Saved merchant QRs ───────────────────────────────────────────────────
+
+    /**
+     * The static QR (no preset amount) last paid at the business named [merchantName], or null.
+     * The app already remembers such QRs among its recents, but only the last few; they are
+     * copied here so a business's QR is kept for good. Call off the main thread.
+     */
+    fun merchantQr(context: Context, merchantName: String): String? = synchronized(lock) {
+        val file = File(context.filesDir, QR_FILE_NAME)
+        val saved = try {
+            if (!file.exists()) JSONObject() else JSONObject(CacheEncryption.decrypt(file.readText()))
+        } catch (_: Exception) { JSONObject() }
+        var changed = false
+        for (recent in RecentsCache.load(context)) {
+            if (!recent.accountNumber.startsWith(RECENT_QR_PREFIX)) continue
+            val key = normalise(recent.displayName)
+            val url = recent.accountNumber.removePrefix(RECENT_QR_PREFIX)
+            if (key.isNotBlank() && saved.optString(key) != url) { saved.put(key, url); changed = true }
+        }
+        if (changed) try { file.writeText(CacheEncryption.encrypt(saved.toString())) } catch (_: Exception) {}
+
+        // Names differ slightly between the QR, history and alerts; accept one starting the other.
+        val name = normalise(merchantName)
+        val keys = saved.keys().asSequence().toList()
+        val match = keys.firstOrNull { it == name }
+            ?: keys.filter { it.startsWith(name) || name.startsWith(it) }.maxByOrNull { it.length }
+        match?.let { saved.optString(it).takeIf { url -> url.isNotBlank() } }
+    }
+
+    // ─── Pinned chats ─────────────────────────────────────────────────────────
+
+    /** Pinned chat keys, most recently pinned first. */
+    fun pins(context: Context): List<String> = synchronized(lock) {
+        val file = File(context.filesDir, PINS_FILE_NAME)
+        if (!file.exists()) return emptyList()
+        try {
+            val arr = JSONArray(CacheEncryption.decrypt(file.readText()))
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun setPinned(context: Context, peerKey: String, pinned: Boolean) {
+        val current = pins(context).filter { it != peerKey }
+        val updated = if (pinned) listOf(peerKey) + current else current
+        synchronized(lock) {
+            try {
+                File(context.filesDir, PINS_FILE_NAME)
+                    .writeText(CacheEncryption.encrypt(JSONArray(updated).toString()))
+            } catch (_: Exception) {}
+        }
+    }
 
     private fun load(context: Context): State {
         val file = File(context.filesDir, FILE_NAME)
@@ -400,7 +490,8 @@ object ChatStore {
                         note               = o.optString("note"),
                         peerAccount        = o.optString("peerAccount"),
                         receiptKey         = o.optString("receiptKey"),
-                        dateOnly           = o.optBoolean("dateOnly", false)
+                        dateOnly           = o.optBoolean("dateOnly", false),
+                        merchant           = o.optBoolean("merchant", false)
                     )
                 }
             )
@@ -424,6 +515,7 @@ object ChatStore {
                 put("peerAccount", m.peerAccount)
                 put("receiptKey",  m.receiptKey)
                 put("dateOnly",    m.dateOnly)
+                put("merchant",    m.merchant)
             })
             val root = JSONObject().put("since", state.sinceMillis).put("messages", arr)
             File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(root.toString()))
diff --git a/app/src/main/res/drawable/bg_chat_date.xml b/app/src/main/res/drawable/bg_chat_chip.xml
similarity index 65%
rename from app/src/main/res/drawable/bg_chat_date.xml
rename to app/src/main/res/drawable/bg_chat_chip.xml
index 76a90c1..32d67de 100644
--- a/app/src/main/res/drawable/bg_chat_date.xml
+++ b/app/src/main/res/drawable/bg_chat_chip.xml
@@ -1,7 +1,6 @@
 <?xml version="1.0" encoding="utf-8"?>
 <shape xmlns:android="http://schemas.android.com/apk/res/android"
     android:shape="rectangle">
-    <corners android:radius="8dp" />
-    <solid android:color="?attr/colorSurfaceContainerHigh" />
-    <stroke android:width="1dp" android:color="?attr/colorOutlineVariant" />
+    <corners android:radius="10dp" />
+    <stroke android:width="1dp" android:color="?attr/colorOutline" />
 </shape>
diff --git a/app/src/main/res/drawable/bg_chat_summary.xml b/app/src/main/res/drawable/bg_chat_summary.xml
new file mode 100644
index 0000000..4620af9
--- /dev/null
+++ b/app/src/main/res/drawable/bg_chat_summary.xml
@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <corners android:radius="14dp" />
+    <solid android:color="?attr/colorSurfaceContainerHigh" />
+</shape>
diff --git a/app/src/main/res/drawable/ic_pin.xml b/app/src/main/res/drawable/ic_pin.xml
new file mode 100644
index 0000000..d7ba779
--- /dev/null
+++ b/app/src/main/res/drawable/ic_pin.xml
@@ -0,0 +1,9 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M16,12V4h1V2H7v2h1v8l-2,2v2h5.2v6h1.6v-6H18v-2l-2,-2z" />
+</vector>
diff --git a/app/src/main/res/drawable/ic_store.xml b/app/src/main/res/drawable/ic_store.xml
new file mode 100644
index 0000000..aa17f0f
--- /dev/null
+++ b/app/src/main/res/drawable/ic_store.xml
@@ -0,0 +1,12 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/transparent"
+        android:strokeColor="#FFFFFFFF"
+        android:strokeWidth="2"
+        android:strokeLineJoin="round"
+        android:pathData="M4,9l1.5,-5h13L20,9M4,9v11h16V9M4,9h16M9,20v-6h6v6" />
+</vector>
diff --git a/app/src/main/res/layout/fragment_chat.xml b/app/src/main/res/layout/fragment_chat.xml
index e45994d..d1f01b0 100644
--- a/app/src/main/res/layout/fragment_chat.xml
+++ b/app/src/main/res/layout/fragment_chat.xml
@@ -10,7 +10,8 @@
         android:id="@+id/toAccountBar"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
-        android:background="?attr/selectableItemBackground"
+        android:background="?attr/colorSecondaryContainer"
+        android:foreground="?attr/selectableItemBackground"
         android:gravity="center_vertical"
         android:orientation="horizontal"
         android:paddingHorizontal="16dp"
@@ -52,7 +53,7 @@
             android:id="@+id/tvToCurrency"
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"
-            android:background="@drawable/bg_chat_date"
+            android:background="@drawable/bg_chat_chip"
             android:paddingHorizontal="10dp"
             android:paddingVertical="3dp"
             android:textAppearance="?attr/textAppearanceLabelLarge"
@@ -101,6 +102,88 @@
 
     </LinearLayout>
 
+    <LinearLayout
+        android:id="@+id/summaryCard"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:background="@drawable/bg_chat_summary"
+        android:orientation="horizontal"
+        android:paddingHorizontal="14dp"
+        android:paddingVertical="10dp"
+        android:visibility="gone">
+
+        <LinearLayout
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn2"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn3"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textColor="?attr/colorOnSurface"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
     <androidx.recyclerview.widget.RecyclerView
         android:id="@+id/rvMessages"
         android:layout_width="match_parent"
@@ -135,76 +218,78 @@
         android:paddingBottom="8dp">
 
         <TextView
+            android:id="@+id/tvCurrencyWarning"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:layout_marginBottom="4dp"
-            android:layout_marginStart="4dp"
-            android:text="@string/chat_from_account"
-            android:textAppearance="?attr/textAppearanceLabelMedium"
-            android:textColor="?attr/colorOnSurfaceVariant" />
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorError"
+            android:visibility="gone" />
 
-        <com.google.android.material.card.MaterialCardView
-            android:id="@+id/cardFromAccount"
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnFrom"
+            style="@style/Widget.Material3.Button.TonalButton"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:clickable="true"
-            android:focusable="true"
-            app:cardCornerRadius="12dp"
-            app:cardElevation="0dp"
-            app:strokeWidth="1dp"
-            app:strokeColor="?attr/colorOutline">
-
-            <LinearLayout
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:gravity="center_vertical"
-                android:orientation="horizontal"
-                android:paddingEnd="12dp">
-
-                <include
-                    android:id="@+id/fromAccountRow"
-                    layout="@layout/item_account_dropdown"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1" />
-
-                <ImageView
-                    android:layout_width="24dp"
-                    android:layout_height="24dp"
-                    android:rotation="90"
-                    android:src="@drawable/ic_arrow_right"
-                    android:importantForAccessibility="no" />
-
-            </LinearLayout>
-
-        </com.google.android.material.card.MaterialCardView>
+            android:gravity="start|center_vertical"
+            android:ellipsize="middle"
+            android:maxLines="1"
+            android:textColor="?attr/colorOnSecondaryContainer"
+            app:icon="@drawable/ic_arrow_right"
+            app:iconGravity="end"
+            app:iconSize="16dp"
+            app:iconTint="?attr/colorOnSecondaryContainer" />
 
         <LinearLayout
+            android:id="@+id/amountRow"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:layout_marginTop="8dp"
+            android:layout_marginTop="4dp"
             android:gravity="center_vertical"
             android:orientation="horizontal">
 
             <com.google.android.material.textfield.TextInputLayout
                 android:id="@+id/tilAmount"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
-                android:layout_weight="1"
+                android:layout_weight="1.2"
                 android:hint="@string/chat_amount"
-                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
-                app:boxCornerRadiusTopStart="28dp"
-                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusBottomEnd="28dp"
                 app:boxCornerRadiusBottomStart="28dp"
-                app:boxCornerRadiusBottomEnd="28dp">
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
 
                 <com.google.android.material.textfield.TextInputEditText
                     android:id="@+id/etAmount"
                     android:layout_width="match_parent"
                     android:layout_height="wrap_content"
+                    android:imeOptions="actionNext"
                     android:inputType="numberDecimal"
-                    android:maxLines="1"
-                    android:imeOptions="actionSend" />
+                    android:maxLines="1" />
+
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilNote"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp"
+                android:layout_weight="1"
+                android:hint="@string/chat_note"
+                app:boxCornerRadiusBottomEnd="28dp"
+                app:boxCornerRadiusBottomStart="28dp"
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
+
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etNote"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:imeOptions="actionSend"
+                    android:inputType="textCapSentences"
+                    android:maxLines="1" />
 
             </com.google.android.material.textfield.TextInputLayout>
 
@@ -224,4 +309,22 @@
 
     </LinearLayout>
 
+    <!-- Hosts the Transfer page off-screen when only its confirm dialog is wanted. -->
+    <FrameLayout
+        android:id="@+id/hiddenTransferHost"
+        android:layout_width="0dp"
+        android:layout_height="0dp"
+        android:visibility="gone" />
+
+    <com.google.android.material.button.MaterialButton
+        android:id="@+id/btnPayAgain"
+        style="@style/Widget.Material3.Button"
+        android:layout_width="match_parent"
+        android:layout_height="56dp"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginVertical="12dp"
+        android:text="@string/chat_pay_again"
+        android:visibility="gone"
+        app:cornerRadius="28dp" />
+
 </LinearLayout>
diff --git a/app/src/main/res/layout/fragment_chats.xml b/app/src/main/res/layout/fragment_chats.xml
index 95b412d..f5c8c80 100644
--- a/app/src/main/res/layout/fragment_chats.xml
+++ b/app/src/main/res/layout/fragment_chats.xml
@@ -1,7 +1,11 @@
 <?xml version="1.0" encoding="utf-8"?>
-<LinearLayout
+<FrameLayout
     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">
+
+<LinearLayout
     android:layout_width="match_parent"
     android:layout_height="match_parent"
     android:orientation="vertical">
@@ -64,3 +68,14 @@
     </androidx.swiperefreshlayout.widget.SwipeRefreshLayout>
 
 </LinearLayout>
+
+    <com.google.android.material.floatingactionbutton.FloatingActionButton
+        android:id="@+id/fabScanPay"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="bottom|start"
+        android:layout_margin="16dp"
+        android:contentDescription="@string/chat_scan_to_pay"
+        app:srcCompat="@drawable/ic_qr_scan" />
+
+</FrameLayout>
diff --git a/app/src/main/res/layout/item_chat.xml b/app/src/main/res/layout/item_chat.xml
index e2cb96e..ed6668d 100644
--- a/app/src/main/res/layout/item_chat.xml
+++ b/app/src/main/res/layout/item_chat.xml
@@ -55,8 +55,20 @@
         android:maxLines="1"
         android:ellipsize="end"
         app:layout_constraintStart_toEndOf="@id/ivAvatar"
-        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintEnd_toStartOf="@id/ivPin"
         app:layout_constraintTop_toBottomOf="@id/tvName"
         app:layout_constraintBottom_toBottomOf="parent" />
 
+    <ImageView
+        android:id="@+id/ivPin"
+        android:layout_width="16dp"
+        android:layout_height="16dp"
+        android:layout_marginStart="8dp"
+        android:contentDescription="@string/chat_pinned"
+        android:src="@drawable/ic_pin"
+        android:visibility="gone"
+        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintTop_toTopOf="@id/tvPreview"
+        app:layout_constraintBottom_toBottomOf="@id/tvPreview" />
+
 </androidx.constraintlayout.widget.ConstraintLayout>
diff --git a/app/src/main/res/layout/item_chat_bubble.xml b/app/src/main/res/layout/item_chat_bubble.xml
index cf23947..33c2ae7 100644
--- a/app/src/main/res/layout/item_chat_bubble.xml
+++ b/app/src/main/res/layout/item_chat_bubble.xml
@@ -6,23 +6,24 @@
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:orientation="vertical"
-    android:paddingVertical="4dp">
+    android:paddingVertical="3dp">
 
     <com.google.android.material.card.MaterialCardView
         android:id="@+id/cardBubble"
         android:layout_width="wrap_content"
         android:layout_height="wrap_content"
-        android:minWidth="200dp"
-        app:cardCornerRadius="18dp"
         app:cardElevation="0dp"
         app:strokeWidth="0dp">
 
         <LinearLayout
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"
-            android:minWidth="200dp"
+            android:minWidth="150dp"
             android:orientation="vertical"
-            android:padding="14dp">
+            android:paddingStart="14dp"
+            android:paddingTop="10dp"
+            android:paddingEnd="14dp"
+            android:paddingBottom="8dp">
 
             <LinearLayout
                 android:layout_width="match_parent"
@@ -31,70 +32,78 @@
                 android:orientation="horizontal">
 
                 <TextView
-                    android:id="@+id/tvLabel"
-                    android:layout_width="0dp"
+                    android:id="@+id/tvAmount"
+                    android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:layout_marginEnd="12dp"
-                    android:textAppearance="?attr/textAppearanceBodySmall"
-                    android:maxLines="1"
-                    android:ellipsize="end" />
+                    android:maxWidth="240dp"
+                    android:textAppearance="?attr/textAppearanceTitleLarge"
+                    android:textStyle="bold" />
+
+                <Space
+                    android:layout_width="0dp"
+                    android:layout_height="0dp"
+                    android:layout_weight="1" />
 
                 <ImageButton
                     android:id="@+id/btnReceipt"
-                    android:layout_width="32dp"
-                    android:layout_height="32dp"
-                    android:layout_marginEnd="6dp"
-                    android:padding="6dp"
+                    android:layout_width="40dp"
+                    android:layout_height="40dp"
+                    android:layout_marginStart="12dp"
+                    android:layout_marginEnd="-8dp"
                     android:background="?attr/selectableItemBackgroundBorderless"
                     android:contentDescription="@string/chat_view_receipt"
+                    android:padding="8dp"
                     android:scaleType="fitCenter"
                     android:src="@drawable/ic_receipt"
                     android:visibility="gone" />
 
-                <TextView
-                    android:id="@+id/tvBadge"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:paddingHorizontal="8dp"
-                    android:paddingVertical="2dp"
-                    android:textAppearance="?attr/textAppearanceLabelSmall" />
-
             </LinearLayout>
 
-            <TextView
-                android:id="@+id/tvAmount"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:layout_marginTop="4dp"
-                android:textAppearance="?attr/textAppearanceHeadlineSmall" />
-
-            <TextView
-                android:id="@+id/tvAccount"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:layout_marginTop="2dp"
-                android:alpha="0.8"
-                android:textAppearance="?attr/textAppearanceBodySmall" />
-
             <TextView
                 android:id="@+id/tvNote"
                 android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
-                android:layout_marginTop="4dp"
-                android:textAppearance="?attr/textAppearanceBodyMedium" />
+                android:layout_marginTop="2dp"
+                android:maxWidth="240dp"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <LinearLayout
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="end"
+                android:layout_marginTop="6dp"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:id="@+id/tvAccount"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:maxWidth="150dp"
+                    android:layout_marginEnd="8dp"
+                    android:alpha="0.8"
+                    android:ellipsize="end"
+                    android:maxLines="1"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTime"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:alpha="0.8"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTicks"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="4dp"
+                    android:textAppearance="?attr/textAppearanceLabelMedium" />
+
+            </LinearLayout>
 
         </LinearLayout>
 
     </com.google.android.material.card.MaterialCardView>
 
-    <TextView
-        android:id="@+id/tvMeta"
-        android:layout_width="wrap_content"
-        android:layout_height="wrap_content"
-        android:layout_marginTop="2dp"
-        android:layout_marginHorizontal="6dp"
-        android:textAppearance="?attr/textAppearanceLabelSmall"
-        android:textColor="?attr/colorOnSurfaceVariant" />
-
 </LinearLayout>
diff --git a/app/src/main/res/layout/item_chat_date.xml b/app/src/main/res/layout/item_chat_date.xml
index d055751..d4e859f 100644
--- a/app/src/main/res/layout/item_chat_date.xml
+++ b/app/src/main/res/layout/item_chat_date.xml
@@ -10,10 +10,9 @@
         android:layout_width="wrap_content"
         android:layout_height="wrap_content"
         android:layout_gravity="center_horizontal"
-        android:background="@drawable/bg_chat_date"
         android:paddingHorizontal="12dp"
         android:paddingVertical="4dp"
         android:textAppearance="?attr/textAppearanceLabelMedium"
-        android:textColor="?attr/colorOnSurface" />
+        android:textColor="?attr/colorOnSurfaceVariant" />
 
 </FrameLayout>
diff --git a/app/src/main/res/values/ids.xml b/app/src/main/res/values/ids.xml
index 7501586..8ec4eb2 100644
--- a/app/src/main/res/values/ids.xml
+++ b/app/src/main/res/values/ids.xml
@@ -1,4 +1,5 @@
 <?xml version="1.0" encoding="utf-8"?>
 <resources>
     <item name="action_open_contacts" type="id" />
+    <item name="action_pin_chat" type="id" />
 </resources>
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 657d92c..d7ab4ce 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -410,28 +410,52 @@
     <string name="chats_no_results">No chats found</string>
     <string name="chat_preview_sent">You sent %s</string>
     <string name="chat_preview_received">Received %s</string>
-    <string name="chat_from_label">From %s</string>
-    <string name="chat_received_label">Received</string>
-    <string name="chat_sent_label">Sent</string>
-    <string name="chat_into_label">To %s</string>
-    <string name="chat_debit">Debit</string>
-    <string name="chat_credit">Credit</string>
-    <string name="chat_sent_meta">✓ Sent · %s</string>
+    <string name="chat_preview_paid">Paid %s</string>
     <string name="chat_today">Today</string>
     <string name="chat_yesterday">Yesterday</string>
     <string name="chat_from_account">From account</string>
     <string name="chat_pick_account">Send from</string>
+    <string name="chat_pick_card">Pay with</string>
+    <string name="chat_from_chip">%1$s · %2$s · %3$s</string>
+    <string name="chat_currency_warning">⚠ Sending USD to an MVR account. It will be converted at BML\'s rate and can\'t be reversed.</string>
+    <string name="chat_currency_blocked">MVR can\'t be sent to a USD account. Pick a USD account to send from.</string>
+    <string name="chat_cant_send_mvr_to_usd">Can\'t send MVR to a USD account</string>
+    <string name="chat_needs_usd_source">Needs a USD account to send from</string>
     <string name="chat_transfer_sent">Transfer sent</string>
+    <string name="chat_payment_sent">Payment sent</string>
     <string name="chat_view_receipt">Receipt</string>
     <string name="chat_not_in_contacts">Not in your contacts</string>
     <string name="chat_save_contact">Save contact</string>
     <string name="chat_send">Send</string>
     <string name="chat_to">To</string>
     <string name="chat_pick_recipient_account">Send to</string>
-    <string name="chat_from_to_label">From %1$s → %2$s</string>
     <string name="chat_receipt_missing">Receipt no longer available</string>
     <string name="chat_amount">Amount</string>
     <string name="chat_amount_invalid">Enter an amount</string>
-    <string name="chat_account_subtitle">Account %s</string>
     <string name="chat_cannot_send">Account number not known for this chat. Save this person as a contact, or send once from Transfer, to send from here.</string>
+    <string name="chat_into_short">into %s</string>
+    <string name="chat_account_to">%1$s → %2$s</string>
+    <string name="chat_tick_seen">Seen in BML alert</string>
+    <string name="chat_tick_booked">Booked in BML history</string>
+    <string name="chat_note">Note</string>
+    <string name="chat_pay_again">Pay again with Scan to Pay</string>
+    <string name="chat_pay_business">Pay %s</string>
+    <string name="chat_scan_to_pay">Scan to Pay</string>
+    <string name="chat_merchant_subtitle">Business · Scan to Pay &amp; card</string>
+    <string name="chat_sum_sent">%s · sent</string>
+    <string name="chat_sum_received">received</string>
+    <string name="chat_sum_net">net</string>
+    <string name="chat_sum_spent">Spent here in %s</string>
+    <string name="chat_sum_payments">payments</string>
+    <string name="chat_send_again">Send again · %s</string>
+    <string name="chat_view_receipt_full">View receipt</string>
+    <string name="chat_copy_reference">Copy reference</string>
+    <string name="chat_reference_copied">Reference copied</string>
+    <string name="chat_pinned">Pinned</string>
+    <string name="chat_pin">Pin</string>
+    <string name="chat_unpin">Unpin</string>
+    <string name="chat_selected_one">1 selected</string>
+    <string name="chat_pinned_msg">%s pinned</string>
+    <string name="chat_unpinned_msg">%s unpinned</string>
+    <string name="chat_undo">Undo</string>
 </resources>