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Bookvelt is a platform that connects sports fans with the best bars and pubs to watch live sports. Browse upcoming fixtures across 9+ sports and 42+ leagues, find nearby venues showing your game, and book a table with just a few taps. We cover everything from the Premier League and Champions League to the NFL, NBA, UFC, Formula 1, and more.

Absolutely. Browsing fixtures, checking scores, finding bars, and exploring the calendar is 100% free. You only pay when you choose to book a table at a venue that offers ticketed seating. There are no hidden fees or subscriptions for fans.

No account is needed to browse fixtures, scores, venues, or events. You can even make a booking as a guest using just your email. However, creating a free account unlocks extra features like saving favorites, managing orders, setting notification preferences, and adding tickets to your digital wallet.

You can sign up in several ways:

Email: Enter your name, email, and a password.
Phone/WhatsApp: Enter your phone number and verify with a one-time code.
Google: Sign in with your Google account in one tap.
Apple: Sign in with your Apple ID (supports Hide My Email).

All methods are free and take under 30 seconds.

Go to the main site and tap Log In. You can log in with:

Email + password
Phone + OTP (one-time code via WhatsApp/SMS)
Google or Apple social login
Passkey (fingerprint, face, or security key)

If you have two-factor authentication (2FA) enabled, you'll be asked for your authenticator code after entering your credentials.

Yes. You can browse all fixtures, scores, events, locations, and the calendar without creating an account. You can even book a table as a guest by entering your name and email at checkout. An account is only needed for extras like favorites, order history, notifications, and wallet passes.

Bookvelt covers 9+ sports including:

Soccer/Football — Premier League, La Liga, Bundesliga, Serie A, Ligue 1, Champions League, Europa League, MLS, Liga MX, and more
American Football — NFL, NCAA Football
Basketball — NBA, NCAA Basketball, EuroLeague
Baseball — MLB
Ice Hockey — NHL
MMA/Boxing — UFC, major boxing events
Motorsport — Formula 1, NASCAR, MotoGP
Tennis — Grand Slams, ATP, WTA
Rugby — Six Nations, Premiership, Super Rugby

We track 42+ active leagues across all sports. Each league has its own dedicated page where you can browse fixtures, see standings, and find bars showing those games. Some of the most popular include:

Premier League, Champions League, La Liga, Serie A, Bundesliga, Ligue 1, MLS, NFL, NBA, MLB, NHL, UFC, Formula 1, and many more.

We track over 2,300 teams across all leagues. Each team has fixtures, logos, and is searchable through the calendar. You can save your favorite teams to get personalized updates.

Yes. When a match is in progress, you'll see live status indicators including the current period (1H, 2H, HT, ET, Penalties), live scores updating in real-time, and progress indicators. Live matches are highlighted on the calendar and fixtures pages.

Visit the Scores page to see completed match results. You can filter by sport, league, team, and date. All final scores show the full-time result along with match status (FT, AET, PEN for penalty shootouts).

We source fixture data from TheSportsDB, a comprehensive sports database. Fixtures are synced automatically every hour to ensure up-to-date schedules, scores, and statuses across all leagues.

We're constantly expanding our coverage. If you'd like us to add a specific sport or league, submit a request through our Help Center and we'll look into it.

Go to the Calendar page to see all upcoming fixtures. Use the date ribbon at the top to jump between dates. Fixtures are grouped by league and show team badges, match time, and venue info.

You can filter fixtures in several ways:

Sport filter: Use the sport icons in the navigation or browse sections to view only that sport
League filter: Click on a league name or badge to see only fixtures from that league
Date filter: Use the date ribbon to jump to a specific day
Search: Search for specific teams, leagues, or events

You can also visit dedicated sport and league pages directly (e.g., /premier-league).

Each fixture detail page includes:

Teams: Home and away team names, badges, and league
Date & Time: Match kickoff in your timezone
Status: Upcoming, live, or finished with score
Venue: Where the match is being played
Bars: Sports bars and pubs near you showing this game
Events: Bookable events at bars for this fixture
Cover image: Auto-generated match graphic

Yes. All fixture times are automatically displayed in your local timezone based on your browser settings. You can also set a preferred timezone in your account settings if you want to override the automatic detection.

Upcoming: Match hasn't started yet
Live / 1H / 2H / HT: Match is in progress (first half, second half, half time)
ET: Extra time being played
PEN: Penalty shootout in progress
FT: Full time — match is finished
AET: After extra time
Postponed: Match has been rescheduled
Cancelled: Match will not be played
Abandoned: Match was stopped and not completed

The date ribbon at the top of the Calendar page lets you quickly jump between dates. Tap any date to load fixtures for that day. The current date is highlighted, and you can scroll left/right to navigate through the week.

Each sport has its own dedicated page (e.g., soccer) that shows only fixtures for that sport. Sport pages include the sport badge, all active leagues, and filtered fixtures. You can access them from the Browse section on the homepage or from the sport icons in the navigation.

Each league has its own dedicated page (e.g., Premier League) showing only fixtures from that competition. League pages display the league badge, fixture schedule, and team matchups. You can reach them from the Browse section, sport pages, or by clicking a league name anywhere on the site.

There are two ways:

1. From a fixture: Open any fixture and scroll down to see bars and events for that game
2. Browse locations: Visit the Locations page to browse all sports bars, filter by nearby or search by city/name

Each venue shows its address, upcoming events, and what games they're showing.

When you allow location access in your browser, Bookvelt can show you venues sorted by distance from your current position. Tap 'Use My Location' on the Locations page to enable this. Your location is used only for sorting and is never stored.

Each venue detail page shows:

Cover photo and logo
Address and phone number
Website and menu link
Google Maps rating and reviews
Interactive map with venue pin
Upcoming events at this bar
Directions via Google Maps or Apple Maps
Uber ride estimate to get there

On any venue page, you'll find buttons for Google Maps and Apple Maps that open directions directly in the maps app on your phone. These links use the bar's exact coordinates for accurate navigation.

Yes. On supported venue pages, you can see a ride estimate from Uber and tap to open the Uber app pre-filled with the bar's address as the destination. This feature requires allowing location access so we can estimate your pickup point.

Opening hours are displayed on each venue's detail page when provided by the bar. Look for the business hours section below the venue address and contact information.

If the venue has provided a menu link, you'll find a Menu button on their detail page that opens their menu in a new tab. Not all venues include a menu link.

Yes. Venue pages show Google Maps ratings and review counts when available. This helps you choose the best bar for your game day experience.

An event is a bar or pub hosting a viewing party for a specific fixture. For example, a sports bar in Madrid might create an event for Real Madrid vs Barcelona, set up ticket prices, assign seating areas, and accept bookings. Events have their own page with details, pricing, and a booking button.

A fixture is a scheduled sports match (e.g., Arsenal vs Chelsea). An event is a bar or pub hosting a viewing experience for that fixture with bookable tables, pricing, and seating. One fixture can have multiple events at different bars.

Visit the Bookings page to see all upcoming events at bars. You can:

- Search by event name, venue, or league
- Filter by sport using the sport tabs
- Filter by date using the date picker
- View event details by tapping on any event card

Events go through several phases:

Booking Open: You can select seats and purchase tickets online
Walk-in: Online booking has closed, but you can walk in to the bar
Live: The event is currently happening
Ended: The event has finished

The booking window typically closes 45 minutes before kickoff, after which the event switches to walk-in mode.

Each event detail page includes:

Cover image and title
Date, time, and timezone
Venue name, address, and map
Event description set by the bar
Ticket types and pricing
Seating availability
Book button to start checkout
Related events at other bars showing the same game

Yes. Every event has a short link that you can copy and share via messaging apps, social media, or email. The short link format is compact and works across all platforms. You can also share the full event URL which includes the event name for better context.

When an event switches to walk-in mode (typically 45 minutes before kickoff), online booking closes. You can still go to the bar and try to get a table on a first-come, first-served basis. The walk-in status is clearly shown on the event page.

Follow these steps:

1. Find a fixture or event at a bar
2. Tap Book to open the checkout page
3. Select your tickets (seated or general admission)
4. Choose your seats on the interactive seating map (if applicable)
5. Enter your name and email (or log in to your account)
6. Apply a coupon code if you have one
7. Complete payment with card, Apple Pay, or Google Pay
8. Receive your confirmation email with QR code and wallet passes

Important: The payment you make is a service fee for managing and processing your booking through our platform. It does not count toward food, drinks, or purchases at the venue.

Venues that offer assigned seating use an interactive seating map. You can:

View available seats — colored by area/section
Tap to select — choose specific tables or seats
See pricing — each area may have different prices
Hold seats — your selected seats are held for 5 minutes while you complete checkout

If you don't complete the order within 5 minutes, your seats are automatically released so others can book them.

Yes. You can select multiple seats at the same table, or book an entire table for your group. The available group size depends on the venue's seating configuration. All seats in your order are linked to a single QR code for easy check-in.

Yes. Guest checkout is available — just enter your name, email, and optionally your phone number. You'll receive your order confirmation and ticket by email. If you create an account later with the same email, your past orders will be linked to your account.

On the checkout page, look for the coupon code field in the order summary. Enter your code and it will be applied to your order. Discounts can be a percentage off or a fixed amount. Some venues also have auto-applied promotions that are added automatically at checkout.

When you select seats during checkout, those seats are temporarily held for you for 5 minutes. You'll see a countdown timer on the checkout page. If you don't complete your payment within that time, the seats are released back to the pool so others can book them.

No-show policy: If you arrive more than 15 minutes late, your reservation may be released without refund. Contact us in advance if you'll be late.

Seated tickets reserve a specific table and seats at the bar. General admission tickets let you enter the venue but don't guarantee a specific table — seating is first-come, first-served. Both ticket types include a QR code for check-in.

Each booking is for a single event. If you want to attend multiple events, you'll need to make separate bookings. Each booking gets its own order confirmation, QR code, and wallet pass.

We accept the following payment methods:

Credit/Debit Cards: Visa, Mastercard, American Express
Apple Pay: On Safari and iOS devices
Google Pay: On Chrome and Android devices

All payments are processed securely through Stripe, a PCI-compliant payment processor trusted by millions of businesses worldwide.

Pricing is set by each venue and displayed in their local currency. We support EUR, USD, GBP, JPY, CHF, CAD, and AUD. The currency symbol is shown next to all prices so you always know what you're paying.

Yes. All payments are processed through Stripe, which is PCI DSS Level 1 certified — the highest level of payment security. Your card details are never stored on our servers. They are sent directly to Stripe's secure infrastructure.

Some card payments require an additional verification step called 3D Secure (3DS). Your bank may ask you to confirm the payment via their app, SMS code, or a redirect page. This adds an extra layer of fraud protection. If triggered, simply follow the prompts from your bank to complete the payment.

Yes. All prices shown include applicable taxes. The tax amount is broken out in your order summary so you can see exactly how much goes to tax. Tax rates are set based on the venue's location.

Important: The payment is a service fee to STARTIVENT, LLC for booking management, venue coordination, seating arrangements, digital pass generation, and customer support. It is not a deposit and does not count toward food, drinks, or any purchases at the venue.

Your order confirmation email serves as your receipt. It includes the venue name, event details, itemized pricing, tax breakdown, and payment method. You can also view these details on your order confirmation page.

If your payment fails, your seats are released and you can try again. Common reasons for failed payments:

- Insufficient funds: Check your card balance
- 3D Secure declined: Complete the bank verification step
- Card declined: Try a different card or payment method
- Network error: Check your internet connection and retry

If the problem persists, try using Apple Pay or Google Pay as an alternative.

After a successful payment, you'll receive:

1. Confirmation page — with your order details, QR code, and wallet pass download buttons
2. Confirmation email — sent to the email address you provided at checkout, with all booking details
3. Wallet pass — add your ticket to Apple Wallet or Google Wallet for quick access on game day

Your order reference code (e.g., SB-XXXX) is your unique booking identifier.

If you have an account, go to My Orders in your customer panel to view all your bookings. Each order shows the event, venue, date, seating, and status.

If you checked out as a guest, use the order confirmation link from your email to view your order details.

Each order has a unique QR code that you show at the venue entrance. The bar staff scans it to verify your booking and check you in. You can display it from your confirmation email, the order page on the website, or your Apple/Google Wallet pass.

Cancellations made at least 30 days before the event date are eligible for a full refund of the service fee. Cancellations made less than 30 days before the event are not eligible for a refund.

To request a cancellation, email legal@startivent.com with your booking reference number.

Read the full Bookings Policy for details.

Approved refunds are processed through your original payment method within 5-10 business days, depending on your bank or card issuer. Refund requests should be directed to legal@startivent.com with your booking reference number. Partial refunds may be offered at our discretion for certain situations. Note: The 14-day consumer withdrawal period does not apply to bookings for leisure or event services scheduled for a specific date, as permitted under applicable consumer protection laws.

Confirmed: Payment received, your booking is secured
Pending: Payment is being processed
Cancelled: The booking was cancelled (by you or the venue)
Refunded: A refund has been issued to your payment method
Expired: The event has passed

Your confirmation email includes:

- Order reference code (e.g., SB-XXXX)
- Event name, date, and time
- Venue name and address
- Seating details (area, table, seat numbers)
- Pricing breakdown with tax
- QR code for check-in
- Wallet pass buttons (Apple Wallet, Google Wallet)

Emails are sent from coach@bookvelt.com (Bookvelt Coach).

Yes. If you have booking reminders enabled in your notification preferences, you'll receive a reminder email before your event starts with all the details you need for game day.

If a fixture is rescheduled or cancelled, you'll receive an email notification with the updated details. If the event is cancelled entirely, you'll be offered a full refund. If rescheduled, your booking automatically moves to the new date and time.

Invoices are available 12 hours after the event ends. Go to My Orders and click the Invoice button next to your completed order.

The first time you request an invoice, you'll be asked to fill in your billing details:
- Full name (first + last)
- Document type and number (VAT ID, NIF, NIE, Passport, National ID, TIN, or other)
- Address, city, postal code, and country
- Company name (optional)
- Email and phone (optional)

Your billing details are saved in the Billing section of your account and are reused for all future invoices. The invoice downloads as a PDF file.

Invoices are issued by STARTIVENT, LLC (EU VAT OSS: EU372094409) and include the full breakdown: line items, subtotal (excl. tax), tax rate and amount, total, and payment method.

Go to the Billing tab in your account panel. You can update your name, company, document type/number, address, email, and phone at any time. These details appear on all your invoices.

After booking, tap the Add to Apple Wallet button on your confirmation page or in your confirmation email. The pass downloads as a .pkpass file and opens in Apple Wallet automatically.

Your Apple Wallet pass includes:
- Event name and date/time
- Venue name and address
- Your seating details (area, table, seats)
- QR code for check-in
- Order reference number

Tap the Add to Google Wallet button on your confirmation page. You'll be redirected to Google Wallet where you can save the pass.

Your Google Wallet pass includes:
- Event details and timing
- Venue with map pin for proximity notifications
- Seating information
- QR code for check-in
- Direct link to your order

Yes. On your order confirmation page, you can download a printable PDF ticket. The PDF includes your order details, seating information, and a QR code that the venue can scan at check-in.

When you arrive at the bar, show your QR code to the staff at the entrance. They'll scan it with their device to verify your booking. You can show the QR code from your phone's wallet app (Apple or Google), from the order confirmation email, from the website, or from a printed PDF. The scan confirms your booking and marks you as checked in.

Apple Wallet passes include static information from the time of booking. If your event details change (reschedule, cancellation), you'll receive an email with updated information. Google Wallet passes may update automatically when changes are pushed.

Log in and go to My Panel. On the Overview page you can:

- Update your name
- Change your email address
- Set your timezone preference
- View your account details

If you forgot your password:

1. Go to the login page and tap Forgot Password
2. Enter your email address
3. Check your inbox for a reset link
4. Click the link and set a new password

If you're already logged in, you can change your password from Security in your panel.

Go to Security in your panel. Under Social Accounts, you can:

- Connect Google: Link your Google account for one-tap login
- Connect Apple: Link your Apple ID (supports Hide My Email)

You can connect multiple providers and unlink them anytime.

Go to Security in your panel. Under Active Sessions you can see:

- All devices where you're currently logged in
- Browser, device type, and IP address for each session
- When each session was created

You can sign out from any device remotely by tapping the logout button next to that session.

Go to Security in your panel and scroll to Deactivate Account. Account deletion is permanent and cannot be undone.

When you delete your account:
- Your personal data is anonymized
- Your login credentials are removed
- Payment records are retained per legal requirements
- Active bookings may still be honored

The customer panel at /user is your personal dashboard. It includes:

- Overview: Account details and profile settings
- Orders: Full history of all your bookings
- Favorites: Saved sports, leagues, and teams
- Notifications: Email and push notification preferences
- Security: Password, 2FA, passkeys, social accounts, sessions

Go to Security in your panel:

1. Tap Enable 2FA
2. Scan the QR code with an authenticator app (Google Authenticator, Authy, 1Password, etc.)
3. Enter the 6-digit code from your app to confirm
4. Save your recovery codes in a safe place

After setup, you'll need your authenticator code every time you log in.

Recovery codes are one-time-use backup codes that let you log in if you lose access to your authenticator app. When you enable 2FA, you receive a set of recovery codes.

Important:
- Save them somewhere safe (password manager, printed copy)
- Each code can only be used once
- You can regenerate new codes from your Security settings
- If you run out of codes and lose your authenticator, contact support

Passkeys let you log in using biometrics (fingerprint, face recognition) or a hardware security key (YubiKey, etc.) instead of a password.

To set up a passkey:
1. Go to Security in your panel
2. Under Security Keys, tap Register New Key
3. Follow your browser's prompts to register your fingerprint, face, or hardware key
4. Give it a name (e.g., "MacBook", "iPhone")

You can register multiple passkeys and remove them anytime.

We take data protection seriously:

- Payments: Processed by Stripe (PCI DSS Level 1) — we never store card details
- Passwords: Hashed with bcrypt — we cannot see your password
- Sessions: Secured with encrypted tokens
- Location: Used only for nearby venue sorting, never stored
- HTTPS: All data in transit encrypted with TLS/SSL
- Data at rest: AES-256 encryption via Google Workspace (SOC 2, ISO 27001 certified)
- AI: Your personal data is not used to train AI models
- Venue sharing: We share only first name + last initial with venues — never your email, phone, or payment details
- Contact: legal@startivent.com for data requests

Read our full Privacy Policy.

You can save three types of favorites:

Sports: Follow entire sports (e.g., Soccer, NBA, UFC)
Leagues: Follow specific leagues (e.g., Premier League, Champions League)
Teams: Follow your favorite teams (e.g., Arsenal, Lakers, Chiefs)

Your favorites help personalize your experience and power notifications.

Go to Favorites in your panel. Tap the + Add button under Sports, Leagues, or Teams to open the picker. Search or browse to find what you want, then tap to add it. You can remove favorites at any time by tapping the remove button.

Go to Notifications in your panel to configure:

Match Reminders: Get notified before games for your favorite teams
Live Score Updates: Real-time score notifications during games
Booking Confirmations: Order and ticket messages
Promotions & Offers: Special deals from bars
New Events: When bars create events for your favorite fixtures

Each type can be toggled on/off independently for email and push notifications.

Depending on your notification preferences, you may receive:

Order confirmation: After every booking
Booking reminder: Before your event starts
Fixture changed: If a match you booked is rescheduled or cancelled
Welcome email: When you first create an account
Password reset: When you request a password recovery

All emails come from coach@bookvelt.com (Bookvelt Coach). You can unsubscribe from promotional emails at any time.

Visit our Partners page to learn about plans and get started. The process is simple:

1. Contact us or sign up through the Partners page
2. We set up your venue profile with address, photos, and details
3. You get access to the admin panel to manage events and bookings
4. Start publishing events for upcoming fixtures and accepting bookings

We offer several plans:

Starter (Free): Basic listing with venue profile
Lite ($29/mo): Event publishing, booking management, coupon tools
Pro ($59/mo): Advanced features, analytics, priority support
Ultra ($99/mo): Full suite with Wallet passes, WhatsApp notifications, API access

Visit Partners for detailed plan comparison and add-on pricing.

The admin panel at /panel gives venue staff full control:

- Create and manage events for upcoming fixtures
- Configure seating charts and capacity
- Set ticket types and pricing
- View and manage bookings and orders
- Create coupon codes and promotions
- Check in customers with QR scanning
- View analytics and reports
- Manage staff access and permissions

Bookvelt integrates with Seats.io for interactive seating management:

- Create floor plans with tables, sections, and areas
- Assign categories (e.g., TV 1, TV 2, VIP) with different pricing
- Real-time availability — seats update instantly when booked
- Timeline view — visual schedule of all bookings across tables
- Block/unblock seats for walk-ins or reservations

Customers see your seating chart during checkout and can pick their preferred spot.

Yes. You can invite team members with different permission levels:

- Admin: Full access to all settings and features
- Manager: Manage events, orders, and day-to-day operations
- Orders: View and manage bookings only
- Scanner: Check in customers via QR code scanning

Staff receive WhatsApp notifications when new bookings come in.

Yes. When a customer makes a booking, the bar's staff receive an instant WhatsApp notification with the booking details — customer name (first name + last initial only for privacy), event, seating, and time. Staff can also view all bookings in the admin panel.

Bookvelt is available in 16 languages:

English, English (UK), Spanish, German, French, Italian, Portuguese, Dutch, Polish, Romanian, Swedish, Danish, Japanese, Korean, Chinese, and Russian.

The interface, navigation, legal pages, and all static content are fully translated.

Use the language switcher in the navigation menu to select your preferred language. Your choice is saved in a cookie so the site remembers your preference on future visits.

By default, all times are shown in your browser's timezone. If you have an account, you can set a specific timezone in your profile settings. This ensures fixture times, event times, and order timestamps are all displayed correctly for your location.

Our Privacy Policy explains how we collect, use, and protect your personal data. Key points:

- We collect account info, booking info, payment info, communications, and AI interactions
- We collect device info, usage data, and location data (with consent) automatically
- We never sell or rent your personal data to third parties
- Payment data is processed by Stripe (PCI DSS compliant) — we never store your full card number
- Your personal data is not used to train AI models
- We share only limited booking details with venues (first name, last initial, group size) — never your email, phone, or payment details
- All data is hosted in the United States
- You can request data deletion by contacting legal@startivent.com

Read the full Privacy Policy.

We use three types of cookies:

Strictly Necessary: Session management, authentication, CSRF protection, Stripe payment processing, Cloudflare security — these cannot be disabled.
Performance & Analytics: Google Analytics (GA4) for traffic analysis and user behavior (consent required).
Functionality: Language preference, theme, recently viewed events, favorites, chat widget state (consent required).

We do not use advertising or tracking cookies. Session cookies are deleted when you close your browser. Persistent cookies last up to 2 years. Analytics data is retained up to 26 months.

Read the full Cookie Policy.

Our Service Agreement covers:

- Eligibility: Browsing is open to all ages. Account creation and bookings require age 16+. Some venues have 18+ age restrictions.
- Account creation: Email/password, phone (WhatsApp), Google, Apple, or Facebook sign-in.
- Bookings: Service fees paid to STARTIVENT, LLC (not the venue). Non-refundable except per Bookings Policy.
- AI services: Recommendations are suggestions only, not professional advice. AI outputs may contain inaccuracies.
- Venue responsibility: Bookvelt is a booking intermediary. We are not responsible for food, drinks, service quality, broadcast availability, or any aspect of the venue experience.
- Liability cap: Total liability limited to service fees paid in prior 12 months or EUR 100, whichever is greater.
- Governing law: State of Wyoming, USA.

Read the full Service Agreement.

Our Bookings Policy covers how bookings work on our platform. Key points:

- Service fee: Payment goes to STARTIVENT, LLC for booking management — it does not go to the venue and is not a deposit toward food/drinks.
- Seat hold: Selected seats are held for 5 minutes during checkout.
- Confirmation: Booking confirmed once Stripe payment succeeds. You receive email + digital passes (Apple Wallet, Google Wallet, PDF).
- Cancellation: 30+ days before event = full refund. Less than 30 days = no refund.
- No-show: Arrive within 15 minutes or reservation is released, no refund. Repeat no-shows may be suspended.
- Broadcast: Provided by the venue, not by us. Blackouts and signal issues do not entitle a refund.
- Venue experience: Food, drinks, service quality, screens, sound are the venue's responsibility — not ours.
- Special events: May have higher fees, stricter cancellation, different seating.
- Disputes: Contact legal@startivent.com. Response within 14 business days.

Read the full Bookings Policy.

You can deactivate your account from the Security section in your panel. When you deactivate:

- Your account is immediately marked inactive and you are logged out
- Personal data (name, email, phone) is anonymized
- Booking history is retained in anonymized form
- Active bookings for upcoming events remain valid
- Account deactivation is permanent and cannot be reversed

You can also email legal@startivent.com to exercise your data rights (access, rectify, erase, restrict, portability).

Note: Payment records held by Stripe cannot be deleted — Stripe retains them per AML, tax, and financial reporting regulations.