diff --git a/__init__.py b/__init__.py
index b2e1139..6d151fb 100644
--- a/__init__.py
+++ b/__init__.py
@@ -67,7 +67,10 @@ def chatelet_start():
         handle_availability,
         handle_block_create,
         handle_booking_get,
+        handle_booking_list_mine,
         handle_booking_request,
+        handle_operator_get,
+        handle_operator_update,
         handle_room_create,
         handle_room_get,
         handle_room_list,
@@ -84,6 +87,8 @@ def chatelet_start():
     register_rpc("chatelet_room_publish", handle_room_publish, AUTH_WALLET)
     register_rpc("chatelet_block_create", handle_block_create, AUTH_WALLET)
     register_rpc("chatelet_room_list_mine", handle_room_list_mine, AUTH_ACCOUNT)
+    register_rpc("chatelet_operator_get", handle_operator_get, AUTH_WALLET)
+    register_rpc("chatelet_operator_update", handle_operator_update, AUTH_WALLET)
     # public (discovery + guest booking)
     register_rpc("chatelet_room_list", handle_room_list, AUTH_NONE)
     register_rpc("chatelet_room_get", handle_room_get, AUTH_NONE)
@@ -91,6 +96,7 @@ def chatelet_start():
     register_rpc("chatelet_availability", handle_availability, AUTH_NONE)
     register_rpc("chatelet_booking_request", handle_booking_request, AUTH_NONE)
     register_rpc("chatelet_booking_get", handle_booking_get, AUTH_NONE)
+    register_rpc("chatelet_booking_list_mine", handle_booking_list_mine, AUTH_NONE)
 
     # tasks.py stamps extra["booking_id"] on settlement (see on_invoice_paid),
     # so override the default link_extra_key ("link") to match.
diff --git a/config.json b/config.json
index 7ce0586..fe3f148 100644
--- a/config.json
+++ b/config.json
@@ -6,7 +6,7 @@
   "short_description": "Nostr-native room rentals (Airbnb-style) for LNbits",
   "description": "",
   "tile": "/chatelet/static/image/aio.png",
-  "min_lnbits_version": "1.4.0",
+  "min_lnbits_version": "1.4.1",
   "contributors": [
     {
       "name": "padreug",
diff --git a/crud.py b/crud.py
index 765d703..d863e11 100644
--- a/crud.py
+++ b/crud.py
@@ -19,6 +19,7 @@ from .models import (
     ChateletSettings,
     CreateBlockData,
     CreateRoomData,
+    OperatorSettings,
     Room,
     RoomStatus,
 )
@@ -48,6 +49,30 @@ async def update_settings(settings: ChateletSettings) -> ChateletSettings:
     return settings
 
 
+# ---------------------------------------------------------------------------
+# Operator settings (per LNbits user — multi-tenant)
+# ---------------------------------------------------------------------------
+
+
+async def get_or_create_operator_settings(user_id: str) -> OperatorSettings:
+    row = await db.fetchone(
+        "SELECT * FROM chatelet.operator_settings WHERE user_id = :uid",
+        {"uid": user_id},
+        OperatorSettings,
+    )
+    if row:
+        return row
+    ops = OperatorSettings(user_id=user_id)
+    await db.insert("chatelet.operator_settings", ops)
+    return ops
+
+
+async def update_operator_settings(ops: OperatorSettings) -> OperatorSettings:
+    ops.updated_at = datetime.now(timezone.utc)
+    await db.update("chatelet.operator_settings", ops, "WHERE user_id = :user_id")
+    return ops
+
+
 # ---------------------------------------------------------------------------
 # Rooms
 # ---------------------------------------------------------------------------
@@ -114,6 +139,18 @@ async def get_booking_by_payment_hash(payment_hash: str) -> Booking | None:
     )
 
 
+async def get_bookings_for_guest(guest_pubkey: str, limit: int = 200) -> list[Booking]:
+    """A guest's own stays, newest check-in first (idx_bookings_guest_pubkey)."""
+    return await db.fetchall(
+        """
+        SELECT * FROM chatelet.bookings WHERE guest_pubkey = :pk
+        ORDER BY check_in DESC LIMIT :limit
+        """,
+        {"pk": guest_pubkey, "limit": limit},
+        Booking,
+    )
+
+
 async def get_bookings_for_room(room_id: str) -> list[Booking]:
     return await db.fetchall(
         "SELECT * FROM chatelet.bookings WHERE room_id = :rid",
diff --git a/docs/data-model.md b/docs/data-model.md
index b49b732..e842fc5 100644
--- a/docs/data-model.md
+++ b/docs/data-model.md
@@ -53,6 +53,19 @@ replaces the same addressable event. Holds price (`amount`/`currency`/
   published reservation object.
 - **`expires_at`** — hold expiry (set while `held`/`awaiting_payment`).
 
+### `operator_settings` — per LNbits user (multi-tenant, m003)
+
+Every LNbits user may host rooms; what they decide for *all their rooms* lives
+here, keyed by user id and created on first read:
+
+| Field | Meaning |
+|---|---|
+| `accept_fiat` | operator wants card payments. Only *offered* when LNbits core also has a fiat provider for this user (`settings.get_fiat_providers_for_user`) and the room is fiat-priced — chatelet never stores provider credentials (lnbits#67 plugs per-user Stripe creds into that same call) |
+| `checkin_time`, `checkout_time`, `cancellation_policy` | house rules — shown to guests (`house_rules` on the public room view, `checkin_time`/`checkout_time` tags on the kind:30402 listing) and put in the check-in DM |
+
+Rooms resolve their operator via `get_wallet(room.wallet).user`. The old
+house-rule columns on `settings` are kept for old rows but no longer read.
+
 ### `blocks` — manual owner unavailability
 
 Maintenance, personal use, off-season. Half-open `[start_date, end_date)`.
diff --git a/docs/event-flow.md b/docs/event-flow.md
index 8524ab4..5dc1cbf 100644
--- a/docs/event-flow.md
+++ b/docs/event-flow.md
@@ -25,11 +25,13 @@ flow runs over relays with no HTTP:
 | `chatelet_room_create` / `_update` / `_publish` | wallet | operator room CRUD (ownership-checked) |
 | `chatelet_block_create` | wallet | operator blocks a range |
 | `chatelet_room_list_mine` | account | operator's rooms across their wallets |
-| `chatelet_room_list` / `_get` | none | public discovery (active rooms, wallet id stripped) |
+| `chatelet_operator_get` / `_update` | wallet | the caller's per-operator settings (house rules, card acceptance) |
+| `chatelet_room_list` / `_get` | none | public discovery (active rooms, wallet id stripped, owner's `house_rules` + `payment_methods` attached) |
 | `chatelet_room_unavailable` | none | merged occupied/blocked spans over a window — the guest calendar feed (HTTP twin: `GET /api/v1/public/rooms/{id}/unavailable`) |
 | `chatelet_availability` | none | is a range free + a quote |
-| `chatelet_booking_request` | none | guest requests a stay (guest id = signed `sender_pubkey`) |
+| `chatelet_booking_request` | none | guest requests a stay (guest id = signed `sender_pubkey`); `payment_method` `lightning` (default) or `fiat` + optional `fiat_provider` / `frontend_url` — card returns `fiat_payment_request` (hosted checkout URL) instead of a bolt11 |
 | `chatelet_booking_get` | none | guest reads back their booking (ownership by `sender_pubkey`) |
+| `chatelet_booking_list_mine` | none | the caller's own bookings (`sender_pubkey`; HTTP twin `GET /api/v1/bookings/mine` uses the account's pubkey) |
 
 Guest identity is the `sender_pubkey` the dispatcher lifts off the signed
 kind-21000 event — unspoofable, and it means no separate `guest_pubkey` is
diff --git a/frontend.py b/frontend.py
new file mode 100644
index 0000000..c1630f5
--- /dev/null
+++ b/frontend.py
@@ -0,0 +1,47 @@
+"""Where to send a guest back to after a hosted (Stripe) checkout.
+
+Ported from the events extension. The calling app names itself via
+`frontend_url`; we only honour origins the LNbits instance already trusts
+(the CORS allow-list, its own base URL, the configured custom frontend), and
+fail loud on anything else — a wrong root would strand the guest in the
+wrong app after paying. Transport-agnostic: the HTTP door passes the request
+base URL as fallback, the RPC door has none and falls back to the instance.
+"""
+
+from urllib.parse import urlsplit
+
+from lnbits.settings import settings
+
+
+def origin(url: str | None) -> str | None:
+    if not url:
+        return None
+    parts = urlsplit(url.strip())
+    if not parts.scheme or not parts.netloc:
+        return None
+    return f"{parts.scheme.lower()}://{parts.netloc.lower()}"
+
+
+def allowed_frontend_origins() -> set[str]:
+    origins: set[str] = set()
+    for candidate in [
+        *getattr(settings, "lnbits_cors_allowed_origins", []),
+        settings.lnbits_baseurl,
+        getattr(settings, "lnbits_custom_frontend_url", None),
+    ]:
+        o = origin(candidate)
+        if o:
+            origins.add(o)
+    return origins
+
+
+def resolve_frontend_root(
+    frontend_url: str | None, fallback_base_url: str | None
+) -> str:
+    """Root under which `/chatelet/{room_id}` resolves for the guest."""
+    if not frontend_url:
+        return (fallback_base_url or settings.lnbits_baseurl or "").rstrip("/")
+    o = origin(frontend_url)
+    if not o or o not in allowed_frontend_origins():
+        raise ValueError("frontend_url origin is not allowed.")
+    return frontend_url.rstrip("/")
diff --git a/migrations.py b/migrations.py
index 4a6cb37..26fbc9a 100644
--- a/migrations.py
+++ b/migrations.py
@@ -123,3 +123,27 @@ async def m002_room_checkin_instructions(db):
         "ALTER TABLE chatelet.rooms ADD COLUMN checkin_instructions TEXT "
         "NOT NULL DEFAULT '';"
     )
+
+
+async def m003_operator_settings_and_guest_index(db):
+    """Chatelet is multi-tenant: every LNbits user may host rooms. What an
+    operator decides for *all their rooms* — house rules and whether they
+    take card payments — lives here, keyed by LNbits user id, created lazily.
+    The single `chatelet.settings` row keeps only instance-wide knobs; its
+    old house-rule columns stay in place but are no longer read.
+
+    Also indexes bookings by guest so a guest can list their own stays."""
+    await db.execute(f"""
+        CREATE TABLE chatelet.operator_settings (
+            user_id TEXT PRIMARY KEY,
+            accept_fiat BOOLEAN NOT NULL DEFAULT false,
+            checkin_time TEXT NOT NULL DEFAULT '15:00',
+            checkout_time TEXT NOT NULL DEFAULT '11:00',
+            cancellation_policy TEXT NOT NULL DEFAULT '',
+            created_at TIMESTAMP NOT NULL DEFAULT {db.timestamp_now},
+            updated_at TIMESTAMP NOT NULL DEFAULT {db.timestamp_now}
+        );
+        """)
+    await db.execute(
+        "CREATE INDEX chatelet.idx_bookings_guest_pubkey ON bookings (guest_pubkey);"
+    )
diff --git a/models.py b/models.py
index 346b4e0..0d49422 100644
--- a/models.py
+++ b/models.py
@@ -20,8 +20,9 @@ Design notes carried into the field definitions:
 import json
 from datetime import datetime, timezone
 from enum import Enum
+from urllib.parse import urlsplit
 
-from pydantic import BaseModel, Field
+from pydantic import BaseModel, Field, validator
 
 
 def _now() -> datetime:
@@ -65,6 +66,28 @@ OCCUPYING_STATUSES = {
 # ---------------------------------------------------------------------------
 
 
+# Per-operator (LNbits user) choices that apply to all of that user's rooms.
+HOUSE_RULE_FIELDS = ("checkin_time", "checkout_time", "cancellation_policy")
+
+
+class UpdateOperatorSettings(BaseModel):
+    accept_fiat: bool = False
+    checkin_time: str = "15:00"
+    checkout_time: str = "11:00"
+    cancellation_policy: str = ""  # shown to guests + in the check-in DM
+
+
+class OperatorSettings(UpdateOperatorSettings):
+    """One row per operator user, created on first read. `accept_fiat` is the
+    operator's *wish*; whether card is actually offered also depends on LNbits
+    core having a fiat provider for that user (services.payment_methods_for_room)
+    — chatelet never holds provider credentials."""
+
+    user_id: str
+    created_at: datetime = Field(default_factory=_now)
+    updated_at: datetime = Field(default_factory=_now)
+
+
 class ChateletSettings(BaseModel):
     # LNbits account whose Nostr signer publishes listings/receipts on the
     # castle's behalf. Resolved via lnbits.core.signers.resolve_signer so
@@ -74,9 +97,11 @@ class ChateletSettings(BaseModel):
     relays: list[str] = Field(default_factory=list)  # where we publish/subscribe
     default_hold_minutes: int = 30      # how long a `held` booking survives unpaid
     deposit_percent: int = 100          # 100 = full prepay; <100 = deposit + balance
+    # Legacy (pre-m003): house rules are per operator now — see OperatorSettings.
+    # Columns kept so old rows load; nothing reads them.
     checkin_time: str = "15:00"
     checkout_time: str = "11:00"
-    cancellation_policy: str = ""       # free-form markdown, surfaced in listings/DMs
+    cancellation_policy: str = ""
     publish_availability: bool = True   # mirror blocked dates to a public NIP-52 calendar
     created_at: datetime = Field(default_factory=_now)
     updated_at: datetime = Field(default_factory=_now)
@@ -143,6 +168,27 @@ class BookingRequestData(BaseModel):
     num_guests: int = 1
     guest_contact: str | None = None     # optional email/phone/nostr note
     message: str | None = None           # free-form note to the host
+    # Rail the guest wants to pay with. "fiat" needs the room owner to accept
+    # card AND LNbits core to have a provider for them (services checks).
+    payment_method: str = "lightning"
+    fiat_provider: str | None = None  # e.g. "stripe"; defaults to the owner's first
+    # Where the hosted checkout should send the guest back (the calling app);
+    # origin must be one the instance trusts — see frontend.resolve_frontend_root.
+    frontend_url: str | None = Field(default=None, max_length=512)
+
+    @validator("frontend_url")
+    def validate_frontend_url(cls, v):  # noqa: N805
+        if v is None:
+            return None
+        v = v.strip()
+        if not v:
+            return None
+        parts = urlsplit(v)
+        if parts.scheme not in ("http", "https") or not parts.netloc:
+            raise ValueError("frontend_url must be an absolute http(s) URL")
+        if parts.query or parts.fragment or ".." in parts.path:
+            raise ValueError("frontend_url must not contain a query, fragment or '..'")
+        return v.rstrip("/")
 
 
 class Booking(BaseModel):
@@ -195,14 +241,24 @@ class Block(BaseModel):
 # ---------------------------------------------------------------------------
 
 
-def public_room_dict(room: Room) -> dict:
+def public_room_dict(
+    room: Room,
+    *,
+    house_rules: dict | None = None,
+    payment_methods: list[str] | None = None,
+) -> dict:
     """A Room as public JSON for guests — strips operator-private fields: the
     wallet id, and the check-in instructions (address/gate code, delivered only
     in the encrypted post-payment DM). Shared by the HTTP and Nostr-RPC guest
-    doors so neither can leak them."""
+    doors so neither can leak them. `house_rules` / `payment_methods` come from
+    the owner's OperatorSettings (services.public_room_view resolves them)."""
     d = json.loads(room.json())
     d.pop("wallet", None)
     d.pop("checkin_instructions", None)
+    if house_rules is not None:
+        d["house_rules"] = house_rules
+    if payment_methods is not None:
+        d["payment_methods"] = payment_methods
     return d
 
 
@@ -225,6 +281,16 @@ def public_booking_dict(booking: "Booking") -> dict:
     return d
 
 
+def guest_booking_dict(booking: "Booking") -> dict:
+    """A Booking for the guest who owns it (authenticated by pubkey on either
+    door): everything public_booking_dict shows plus their own contact and
+    guest count; the Lightning/Nostr plumbing stays internal."""
+    d = json.loads(booking.json())
+    for k in ("payment_hash", "request_event_id", "reservation_event_id"):
+        d.pop(k, None)
+    return d
+
+
 class AvailabilityQuery(BaseModel):
     room_id: str
     check_in: str  # YYYY-MM-DD inclusive
@@ -272,5 +338,9 @@ class BookingQuote(BaseModel):
     computes what they owe."""
 
     booking: Booking
-    payment_request: str
+    payment_request: str | None  # bolt11 — None on the card rail
     payment_hash: str
+    # Card rail: the provider's hosted checkout URL to send the guest to.
+    fiat_payment_request: str | None = None
+    fiat_provider: str | None = None
+    is_fiat: bool = False
diff --git a/nostr/events.py b/nostr/events.py
index b0c9d8e..b558f0a 100644
--- a/nostr/events.py
+++ b/nostr/events.py
@@ -18,15 +18,30 @@ from .kinds import (
 )
 
 
-def build_listing_event(room: Room) -> dict:
+def build_listing_event(
+    room: Room,
+    *,
+    payment_methods: list[str] | None = None,
+    house_rules: dict | None = None,
+) -> dict:
     """NIP-99 kind:30402 classified listing for a room. Public, signed by
-    the operator's identity. `d` == room.id so re-publishing replaces."""
+    the operator's identity. `d` == room.id so re-publishing replaces.
+
+    `payment_methods` (comma-joined, like events' tickets_payment_methods) and
+    the check-in/out times ride as tags so a generic Nostr client can render
+    the right pay buttons and house rules without speaking our RPC."""
     tags = [
         ["d", room.id],
         ["title", room.title],
         ["price", str(room.price_amount), room.price_currency, room.price_frequency],
         ["status", "active"],
     ]
+    if payment_methods:
+        tags.append(["payment_methods", ",".join(payment_methods)])
+    if house_rules:
+        for key in ("checkin_time", "checkout_time"):
+            if house_rules.get(key):
+                tags.append([key, str(house_rules[key])])
     if room.location:
         tags.append(["location", room.location])
     if room.geohash:
diff --git a/nostr/service.py b/nostr/service.py
index fc17c75..c1c1a51 100644
--- a/nostr/service.py
+++ b/nostr/service.py
@@ -160,8 +160,17 @@ def _checkin_message(booking, room, settings) -> str:
 
 
 async def publish_listing(room: Room) -> str | None:
-    """Publish/refresh a room's NIP-99 kind:30402 listing (public)."""
-    return await _sign_and_publish(events.build_listing_event(room))
+    """Publish/refresh a room's NIP-99 kind:30402 listing (public), carrying
+    the owner's rails + house rules so the event matches the API view."""
+    owner = await services.room_owner_id(room)
+    ops = await crud.get_or_create_operator_settings(owner)
+    return await _sign_and_publish(
+        events.build_listing_event(
+            room,
+            payment_methods=services.payment_methods_for_room(room, owner, ops),
+            house_rules=services.house_rules_dict(ops),
+        )
+    )
 
 
 async def publish_reservation(booking: Booking) -> str | None:
diff --git a/services.py b/services.py
index ea6e4f9..2fc9662 100644
--- a/services.py
+++ b/services.py
@@ -16,21 +16,30 @@ import asyncio
 from collections import defaultdict
 from datetime import date, datetime, timedelta, timezone
 
-from lnbits.core.services import create_invoice
+from lnbits.core.crud.wallets import get_wallet
+from lnbits.core.models.payments import CreateInvoice
+from lnbits.core.services import create_payment_request
 from lnbits.exceptions import InvoiceError
 from lnbits.helpers import urlsafe_short_hash
+from lnbits.settings import settings as lnbits_settings
 from lnbits.utils.exchange_rates import fiat_amount_as_satoshis
 
 from . import crud
+from .frontend import resolve_frontend_root
 from .models import (
+    HOUSE_RULE_FIELDS,
     AvailabilityResult,
     Booking,
     BookingQuote,
     BookingRequestData,
     BookingStatus,
     DateRange,
+    OperatorSettings,
+    Room,
     RoomStatus,
     UnavailableRanges,
+    guest_booking_dict,
+    public_room_dict,
 )
 
 # Per-room lock serializing the availability read + the `held` write, so two
@@ -61,6 +70,97 @@ async def to_sats(amount: float, currency: str) -> int:
     return await fiat_amount_as_satoshis(amount, currency)
 
 
+# ---------------------------------------------------------------------------
+# Operators + the public room view
+# ---------------------------------------------------------------------------
+
+LIGHTNING = "lightning"
+FIAT = "fiat"
+
+
+def is_fiat_currency(currency: str) -> bool:
+    return currency.lower() not in ("sat", "sats")
+
+
+def fiat_providers_for_user(user_id: str) -> list[str]:
+    """Fiat providers LNbits core will let this user charge with. The one
+    place chatelet consults core about card payments (lnbits#67's per-user
+    Stripe creds land behind this call); module-level so tests can patch it —
+    the pydantic settings object refuses monkeypatched methods."""
+    return lnbits_settings.get_fiat_providers_for_user(user_id)
+
+
+async def room_owner_id(room: Room) -> str:
+    """The LNbits user who operates a room (rooms belong to wallets)."""
+    wallet = await get_wallet(room.wallet)
+    if not wallet:
+        raise NotFound("Room's wallet not found")
+    return wallet.user
+
+
+def payment_methods_for_room(
+    room: Room, owner_id: str, ops: OperatorSettings
+) -> list[str]:
+    """Rails a guest may pay this room with. Card needs three things: the
+    operator opted in, LNbits core has a fiat provider for *that user* (the
+    single seam lnbits#67's per-user Stripe creds will plug into — chatelet
+    never sees credentials), and a fiat-denominated price (core cannot bill
+    a sat amount through a fiat provider)."""
+    rails = [LIGHTNING]
+    if (
+        ops.accept_fiat
+        and is_fiat_currency(room.price_currency)
+        and fiat_providers_for_user(owner_id)
+    ):
+        rails.append(FIAT)
+    return rails
+
+
+def house_rules_dict(ops: OperatorSettings) -> dict:
+    return {k: getattr(ops, k) for k in HOUSE_RULE_FIELDS}
+
+
+async def public_room_view(room: Room) -> dict:
+    """public_room_dict + the owner's house rules and rails. Used by both
+    guest doors so a room looks the same over HTTP and RPC."""
+    owner = await room_owner_id(room)
+    ops = await crud.get_or_create_operator_settings(owner)
+    return public_room_dict(
+        room,
+        house_rules=house_rules_dict(ops),
+        payment_methods=payment_methods_for_room(room, owner, ops),
+    )
+
+
+async def public_room_views(rooms: list[Room]) -> list[dict]:
+    """Batch form: one owner/settings lookup per distinct wallet."""
+    owners: dict[str, str] = {}
+    ops_by_owner: dict[str, OperatorSettings] = {}
+    out = []
+    for room in rooms:
+        if room.wallet not in owners:
+            owners[room.wallet] = await room_owner_id(room)
+        owner = owners[room.wallet]
+        if owner not in ops_by_owner:
+            ops_by_owner[owner] = await crud.get_or_create_operator_settings(owner)
+        ops = ops_by_owner[owner]
+        out.append(
+            public_room_dict(
+                room,
+                house_rules=house_rules_dict(ops),
+                payment_methods=payment_methods_for_room(room, owner, ops),
+            )
+        )
+    return out
+
+
+async def list_guest_bookings(guest_pubkey: str) -> list[dict]:
+    """The caller's own bookings (identity established by the door: LNbits
+    account pubkey over HTTP, signed sender_pubkey over RPC)."""
+    rows = await crud.get_bookings_for_guest(guest_pubkey)
+    return [guest_booking_dict(b) for b in rows]
+
+
 # A guest calendar asks for a year by default; cap the window so a bad client
 # can't make us scan and ship an unbounded span.
 DEFAULT_CALENDAR_DAYS = 365
@@ -127,10 +227,35 @@ async def get_availability(
     )
 
 
-async def request_booking(data: BookingRequestData) -> BookingQuote:
+async def _resolve_rail(
+    room: Room, data: BookingRequestData, base_url: str | None
+) -> tuple[str | None, str]:
+    """(fiat provider or None for Lightning, frontend root for the return
+    URLs). Providers come from LNbits core for the room *owner* — the seam
+    lnbits#67's per-user Stripe creds will plug into."""
+    method = (data.payment_method or LIGHTNING).lower()
+    if method not in (LIGHTNING, FIAT):
+        raise ValueError("Unknown payment method")
+    owner = await room_owner_id(room)
+    ops = await crud.get_or_create_operator_settings(owner)
+    if method not in payment_methods_for_room(room, owner, ops):
+        raise ValueError("Payment method not enabled for this room")
+    if method == LIGHTNING:
+        return None, ""
+    providers = fiat_providers_for_user(owner)
+    provider = data.fiat_provider or (providers[0] if providers else None)
+    if not provider or provider not in providers:
+        raise ValueError("No fiat payment provider configured")
+    return provider, resolve_frontend_root(data.frontend_url, base_url)
+
+
+async def request_booking(
+    data: BookingRequestData, *, base_url: str | None = None
+) -> BookingQuote:
     """Check-then-hold, then invoice. The `is_available` read + the `held`
     write are the lock; TODO(#4) makes that pair atomic against a concurrent
-    request. Returns the held booking + the bolt11 that will confirm it."""
+    request. Returns the held booking + what confirms it: a bolt11, or on the
+    card rail the provider's hosted-checkout URL."""
     room = await crud.get_room(data.room_id)
     if not room or room.status != RoomStatus.active:
         raise NotFound("Room not available")
@@ -141,6 +266,10 @@ async def request_booking(data: BookingRequestData) -> BookingQuote:
     if data.num_guests > room.max_guests:
         raise ValueError(f"Max {room.max_guests} guests")
 
+    # Rail + provider resolution happens before the hold so a refused rail
+    # never leaves a dead hold behind.
+    provider, frontend_root = await _resolve_rail(room, data, base_url)
+
     # Compute the canonical amount up front (FX call) so the lock below wraps
     # only the DB check + insert, never the slow network work.
     settings = await crud.get_or_create_settings()
@@ -182,30 +311,59 @@ async def request_booking(data: BookingRequestData) -> BookingQuote:
             raise Unavailable("Those dates are no longer available")
         await crud.create_booking(booking)
 
-    # Sats-denominated (deposit_sat locked at quote time) so FX drift before
-    # payment can't change what's owed. tag+booking_id let
-    # tasks.on_invoice_paid match the settlement back to this booking.
-    try:
-        payment = await create_invoice(
-            wallet_id=room.wallet,
-            amount=booking.deposit_sat,
-            memo=(
-                f"Chatelet · {room.title} · "
-                f"{booking.check_in}→{booking.check_out} ({nights}n)"
+    # One invoice call for both rails (core forks on fiat_provider). Lightning
+    # is sats-denominated (deposit_sat locked at quote time so FX drift can't
+    # change what's owed); card charges the same deposit share of the fiat
+    # price in the room's currency — core refuses sat units for fiat, which
+    # payment_methods_for_room already rules out. tag+booking_id let
+    # tasks.on_invoice_paid match the settlement back to this booking on
+    # either rail, since core settles Stripe onto the same invoice queue.
+    stay = f"{booking.check_in}→{booking.check_out} ({nights}n)"
+    memo = f"Chatelet · {room.title} · {stay}"
+    extra: dict = {"tag": "chatelet", "booking_id": booking.id}
+    invoice = CreateInvoice(
+        out=False, amount=booking.deposit_sat, unit="sat", memo=memo, extra=extra
+    )
+    if provider:
+        back = f"{frontend_root}/chatelet/{room.id}"
+        extra["checkout"] = {
+            "success_url": f"{back}?checkout=success&booking={booking.id}",
+            "cancel_url": f"{back}?checkout=cancelled&booking={booking.id}",
+            "customer_email": (
+                data.guest_contact
+                if data.guest_contact and "@" in data.guest_contact
+                else None
             ),
-            extra={"tag": "chatelet", "booking_id": booking.id},
+            "line_item_name": f"{room.title} · {stay}",
+            "metadata": {"booking_id": booking.id, "room_id": room.id},
+        }
+        invoice = CreateInvoice(
+            out=False,
+            amount=round(price_fiat * settings.deposit_percent / 100, 2),
+            unit=room.price_currency,
+            fiat_provider=provider,
+            memo=memo,
+            extra=extra,
         )
-    except InvoiceError as exc:
+    try:
+        payment = await create_payment_request(
+            wallet_id=room.wallet, invoice_data=invoice
+        )
+    except (InvoiceError, ValueError) as exc:
         booking.status = BookingStatus.declined  # dead hold -> free the dates
         await crud.update_booking(booking)
-        raise BookingError(f"Could not create invoice: {exc.message}") from exc
+        raise BookingError(f"Could not create invoice: {exc}") from exc
 
     booking.payment_hash = payment.payment_hash
     booking.status = BookingStatus.awaiting_payment
     await crud.update_booking(booking)
 
+    payment_extra = getattr(payment, "extra", None) or {}
     return BookingQuote(
         booking=booking,
-        payment_request=payment.bolt11,
+        payment_request=getattr(payment, "bolt11", None) or None,
         payment_hash=payment.payment_hash,
+        fiat_payment_request=payment_extra.get("fiat_payment_request"),
+        fiat_provider=getattr(payment, "fiat_provider", None) or provider,
+        is_fiat=provider is not None,
     )
diff --git a/static/js/index.js b/static/js/index.js
index e1867de..ac32887 100644
--- a/static/js/index.js
+++ b/static/js/index.js
@@ -29,6 +29,9 @@ window.app = Vue.createApp({
       settings: {},
       settingsLoading: false,
 
+      operator: {},
+      operatorLoading: false,
+
       roomsColumns: [
         {name: 'title', label: 'Room', field: 'title', align: 'left'},
         {
@@ -237,11 +240,41 @@ window.app = Vue.createApp({
       } catch (err) {
         this._err(err, 'Could not save settings')
       }
+    },
+
+    // --- per-operator settings (house rules, card acceptance) ---
+    async getOperator() {
+      this.operatorLoading = true
+      try {
+        const {data} = await LNbits.api.request('GET', `${API}/operator`, this.adminkey)
+        this.operator = data
+      } catch (err) {
+        this._err(err, 'Could not load your settings')
+      } finally {
+        this.operatorLoading = false
+      }
+    },
+    async saveOperator() {
+      this.operatorLoading = true
+      try {
+        const {accept_fiat, checkin_time, checkout_time, cancellation_policy} = this.operator
+        const {data} = await LNbits.api.request(
+          'PUT', `${API}/operator`, this.adminkey,
+          {accept_fiat, checkin_time, checkout_time, cancellation_policy}
+        )
+        this.operator = data
+        Quasar.Notify.create({type: 'positive', message: 'Your settings saved'})
+      } catch (err) {
+        this._err(err, 'Could not save your settings')
+      } finally {
+        this.operatorLoading = false
+      }
     }
   },
 
   created() {
     this.getRooms()
     this.getSettings()
+    this.getOperator()
   }
 })
diff --git a/tasks.py b/tasks.py
index 3532299..3529182 100644
--- a/tasks.py
+++ b/tasks.py
@@ -12,7 +12,7 @@ from lnbits.core.models import Payment
 from lnbits.tasks import register_invoice_listener
 from loguru import logger
 
-from . import crud
+from . import crud, services
 from .models import BookingStatus
 from .nostr import service as nostr
 
@@ -47,9 +47,11 @@ async def on_invoice_paid(payment: Payment):
     # Best-effort: a publish failure must not undo a confirmed, paid booking.
     try:
         room = await crud.get_room(booking.room_id)
-        settings = await crud.get_or_create_settings()
         if room:
-            await nostr.send_checkin_dm(booking, room, settings)
+            # House rules are the room owner's, not the instance's.
+            owner = await services.room_owner_id(room)
+            ops = await crud.get_or_create_operator_settings(owner)
+            await nostr.send_checkin_dm(booking, room, ops)
     except Exception as exc:  # noqa: BLE001
         logger.warning(f"chatelet: check-in DM failed for {booking.id} (continuing): {exc}")
 
diff --git a/templates/chatelet/index.html b/templates/chatelet/index.html
index cb4b15f..ede4635 100644
--- a/templates/chatelet/index.html
+++ b/templates/chatelet/index.html
@@ -171,19 +171,6 @@
               <q-input outlined dense type="number" label="Deposit %"
                 v-model.number="settings.deposit_percent"></q-input>
             </div>
-            <div class="col-6 col-md-3">
-              <q-input outlined dense label="Check-in time"
-                v-model="settings.checkin_time"></q-input>
-            </div>
-            <div class="col-6 col-md-3">
-              <q-input outlined dense label="Check-out time"
-                v-model="settings.checkout_time"></q-input>
-            </div>
-            <div class="col-12">
-              <q-input outlined dense type="textarea" autogrow
-                label="Cancellation policy"
-                v-model="settings.cancellation_policy"></q-input>
-            </div>
             <div class="col-12">
               <q-toggle v-model="settings.publish_availability"
                 label="Publish blocked dates to a public calendar (kind:31923)"></q-toggle>
@@ -193,6 +180,48 @@
                 :loading="settingsLoading"></q-btn>
             </div>
           </div>
+
+          <q-separator class="q-my-lg"></q-separator>
+
+          <!-- Per-operator: applies to every room owned by this account -->
+          <div class="text-h6 q-mb-xs">Your rooms: house rules &amp; payments</div>
+          <div class="text-caption text-grey q-mb-md">
+            Shown to guests on each of your rooms and sent in the check-in message.
+          </div>
+          <div class="row q-col-gutter-md" style="max-width: 760px">
+            <div class="col-6 col-md-3">
+              <q-input outlined dense label="Check-in time"
+                v-model="operator.checkin_time"></q-input>
+            </div>
+            <div class="col-6 col-md-3">
+              <q-input outlined dense label="Check-out time"
+                v-model="operator.checkout_time"></q-input>
+            </div>
+            <div class="col-12">
+              <q-input outlined dense type="textarea" autogrow
+                label="Cancellation policy"
+                v-model="operator.cancellation_policy"></q-input>
+            </div>
+            <div class="col-12">
+              <q-toggle v-model="operator.accept_fiat"
+                :disable="!(operator.available_fiat_providers || []).length"
+                label="Accept card payments for my rooms"></q-toggle>
+              <div class="text-caption text-grey">
+                <span v-if="(operator.available_fiat_providers || []).length">
+                  Via {{ (operator.available_fiat_providers || []).join(', ') }}. Guests can pay
+                  a fiat-priced room by card; sat-priced rooms stay Lightning-only.
+                </span>
+                <span v-else>
+                  No fiat payment provider is enabled for your account — ask the
+                  LNbits admin to enable one (e.g. Stripe) before turning this on.
+                </span>
+              </div>
+            </div>
+            <div class="col-12">
+              <q-btn color="primary" label="Save my settings" @click="saveOperator"
+                :loading="operatorLoading"></q-btn>
+            </div>
+          </div>
         </q-tab-panel>
 
       </q-tab-panels>
diff --git a/tests/conftest.py b/tests/conftest.py
index 3fe5037..c96c016 100644
--- a/tests/conftest.py
+++ b/tests/conftest.py
@@ -86,3 +86,23 @@ def make_request(
         check_out=check_out,
         num_guests=num_guests,
     )
+
+
+def patch_owner(monkeypatch, *, user_id="u1", accept_fiat=False, providers=()):
+    """Route the public room view away from the core DB: rooms belong to
+    `user_id`, whose operator settings are fresh defaults (+ accept_fiat) and
+    who has `providers` enabled in LNbits core."""
+    from types import SimpleNamespace
+
+    from .. import crud, services
+    from ..models import OperatorSettings
+
+    async def get_wallet(_wallet_id):
+        return SimpleNamespace(user=user_id)
+
+    async def ops(uid):
+        return OperatorSettings(user_id=uid, accept_fiat=accept_fiat)
+
+    monkeypatch.setattr(services, "get_wallet", get_wallet)
+    monkeypatch.setattr(crud, "get_or_create_operator_settings", ops)
+    monkeypatch.setattr(services, "fiat_providers_for_user", lambda _uid: list(providers))
diff --git a/tests/test_atomic_hold.py b/tests/test_atomic_hold.py
index cf1ec0f..023f2aa 100644
--- a/tests/test_atomic_hold.py
+++ b/tests/test_atomic_hold.py
@@ -12,7 +12,7 @@ from types import SimpleNamespace
 
 from .. import crud, services
 from ..models import BookingQuote
-from .conftest import make_request, make_room
+from .conftest import make_request, make_room, patch_owner
 
 
 def _setup(monkeypatch, room):
@@ -39,10 +39,13 @@ def _setup(monkeypatch, room):
     async def fake_update_booking(booking):
         return booking
 
-    async def fake_create_invoice(**kwargs):
-        invoices.append(kwargs)
+    async def fake_create_payment_request(*, wallet_id, invoice_data):
+        invoices.append(invoice_data)
         return SimpleNamespace(
-            payment_hash="ph_" + kwargs["extra"]["booking_id"], bolt11="lnbc_fake"
+            payment_hash="ph_" + invoice_data.extra["booking_id"],
+            bolt11="lnbc_fake",
+            fiat_provider=None,
+            extra=invoice_data.extra,
         )
 
     monkeypatch.setattr(crud, "get_room", fake_get_room)
@@ -50,7 +53,10 @@ def _setup(monkeypatch, room):
     monkeypatch.setattr(crud, "is_available", fake_is_available)
     monkeypatch.setattr(crud, "create_booking", fake_create_booking)
     monkeypatch.setattr(crud, "update_booking", fake_update_booking)
-    monkeypatch.setattr(services, "create_invoice", fake_create_invoice)
+    monkeypatch.setattr(
+        services, "create_payment_request", fake_create_payment_request
+    )
+    patch_owner(monkeypatch)
     return held, invoices
 
 
diff --git a/tests/test_booking_flow.py b/tests/test_booking_flow.py
index a8e0e59..032eaef 100644
--- a/tests/test_booking_flow.py
+++ b/tests/test_booking_flow.py
@@ -9,12 +9,16 @@ from lnbits.exceptions import InvoiceError
 
 from .. import crud, services
 from ..models import BookingQuote, BookingStatus
-from .conftest import make_request, make_room
+from .conftest import make_request, make_room, patch_owner
 
 
-def _setup(monkeypatch, room, *, invoice_raises=False):
+def _setup(
+    monkeypatch, room, *, invoice_raises=False, accept_fiat=False, providers=()
+):
     created: list = []  # bookings passed to create_booking
     updated: list = []  # bookings passed to update_booking (captures final state)
+    invoices: list = []  # CreateInvoice objects handed to core
+    patch_owner(monkeypatch, accept_fiat=accept_fiat, providers=providers)
 
     async def fake_get_room(_):
         return room
@@ -36,18 +40,36 @@ def _setup(monkeypatch, room, *, invoice_raises=False):
         updated.append(booking)
         return booking
 
-    async def fake_create_invoice(**kwargs):
+    async def fake_create_payment_request(*, wallet_id, invoice_data):
+        invoices.append(invoice_data)
         if invoice_raises:
             raise InvoiceError("no funding source")
-        return SimpleNamespace(payment_hash="ph_1", bolt11="lnbc_fake")
+        if invoice_data.fiat_provider:
+            return SimpleNamespace(
+                payment_hash="ph_1",
+                bolt11=None,
+                fiat_provider=invoice_data.fiat_provider,
+                extra={
+                    **invoice_data.extra,
+                    "fiat_payment_request": "https://checkout.stripe.test/s/1",
+                },
+            )
+        return SimpleNamespace(
+            payment_hash="ph_1",
+            bolt11="lnbc_fake",
+            fiat_provider=None,
+            extra=invoice_data.extra,
+        )
 
     monkeypatch.setattr(crud, "get_room", fake_get_room)
     monkeypatch.setattr(crud, "get_or_create_settings", fake_settings)
     monkeypatch.setattr(crud, "is_available", fake_is_available)
     monkeypatch.setattr(crud, "create_booking", fake_create_booking)
     monkeypatch.setattr(crud, "update_booking", fake_update_booking)
-    monkeypatch.setattr(services, "create_invoice", fake_create_invoice)
-    return created, updated
+    monkeypatch.setattr(
+        services, "create_payment_request", fake_create_payment_request
+    )
+    return created, updated, invoices
 
 
 def test_happy_path_holds_then_awaits_payment(monkeypatch):
@@ -70,7 +92,7 @@ def test_min_nights_enforced(monkeypatch):
 
 
 def test_invoice_failure_releases_hold(monkeypatch):
-    created, updated = _setup(
+    created, updated, _ = _setup(
         monkeypatch, make_room(), invoice_raises=True
     )
     with pytest.raises(services.BookingError):
diff --git a/tests/test_fiat_checkout.py b/tests/test_fiat_checkout.py
new file mode 100644
index 0000000..ea84359
--- /dev/null
+++ b/tests/test_fiat_checkout.py
@@ -0,0 +1,161 @@
+"""Card rail on request_booking: the operator opted in, core has a provider
+for that owner, the room is fiat-priced — and the hosted checkout returns the
+guest to the room with the booking id."""
+
+import asyncio
+from types import SimpleNamespace
+from typing import Any
+
+import pytest
+from lnbits.settings import settings
+
+from .. import crud, services
+from ..models import BookingRequestData, BookingStatus
+from .conftest import make_room, patch_owner
+
+
+def _wire(monkeypatch, room, *, accept_fiat=True, providers=("stripe",), fail=False):
+    patch_owner(monkeypatch, accept_fiat=accept_fiat, providers=providers)
+    monkeypatch.setattr(settings, "lnbits_baseurl", "https://lnbits.example/")
+    monkeypatch.setattr(
+        settings, "lnbits_cors_allowed_origins", ["https://app.example"], raising=False
+    )
+    invoices: list = []
+    updated: list = []
+
+    async def gr(_):
+        return room
+
+    async def gs():
+        return SimpleNamespace(deposit_percent=50, default_hold_minutes=30)
+
+    async def avail(*_):
+        return True
+
+    async def create(b):
+        return b
+
+    async def update(b):
+        updated.append(b)
+        return b
+
+    async def fake_cpr(*, wallet_id, invoice_data):
+        invoices.append(invoice_data)
+        if fail:
+            raise ValueError("Cannot create payment request: provider down")
+        return SimpleNamespace(
+            payment_hash="ph_f",
+            bolt11=None,
+            fiat_provider=invoice_data.fiat_provider,
+            extra={
+                **invoice_data.extra,
+                "fiat_payment_request": "https://checkout.stripe.test/s/1",
+            },
+        )
+
+    async def rate(amount, currency):
+        return 150_000  # sats for the whole stay; irrelevant to the fiat charge
+
+    monkeypatch.setattr(crud, "get_room", gr)
+    monkeypatch.setattr(crud, "get_or_create_settings", gs)
+    monkeypatch.setattr(crud, "is_available", avail)
+    monkeypatch.setattr(crud, "create_booking", create)
+    monkeypatch.setattr(crud, "update_booking", update)
+    monkeypatch.setattr(services, "create_payment_request", fake_cpr)
+    monkeypatch.setattr(services, "fiat_amount_as_satoshis", rate)
+    return invoices, updated
+
+
+def _req(**over: Any) -> BookingRequestData:
+    base: dict[str, Any] = {
+        "room_id": "room1",
+        "guest_pubkey": "ab" * 32,
+        "check_in": "2026-11-01",
+        "check_out": "2026-11-03",
+        "guest_contact": "guest@example.com",
+        "payment_method": "fiat",
+        "frontend_url": "https://app.example/chatelet",
+    }
+    base.update(over)
+    return BookingRequestData(**base)
+
+
+def test_card_happy_path_returns_checkout_url(monkeypatch):
+    room = make_room("room1", price=100.0, currency="EUR")
+    invoices, _ = _wire(monkeypatch, room)
+    quote = asyncio.run(services.request_booking(_req(), base_url="https://lnbits.example/"))
+
+    assert quote.is_fiat and quote.fiat_provider == "stripe"
+    assert quote.payment_request is None
+    assert quote.fiat_payment_request == "https://checkout.stripe.test/s/1"
+    assert quote.booking.status == BookingStatus.awaiting_payment
+
+    inv = invoices[0]
+    assert inv.fiat_provider == "stripe" and inv.unit == "EUR"
+    assert inv.amount == 100.0  # 2 nights x 100 EUR at deposit_percent 50
+    assert inv.extra["tag"] == "chatelet"
+    assert inv.extra["booking_id"] == quote.booking.id
+    co = inv.extra["checkout"]
+    assert co["success_url"] == (
+        "https://app.example/chatelet/chatelet/room1"
+        f"?checkout=success&booking={quote.booking.id}"
+    )
+    assert co["cancel_url"].endswith(f"?checkout=cancelled&booking={quote.booking.id}")
+    assert co["customer_email"] == "guest@example.com"
+    assert co["metadata"] == {"booking_id": quote.booking.id, "room_id": "room1"}
+
+
+def test_lightning_still_uses_sats_and_bolt11(monkeypatch):
+    room = make_room("room1", price=100.0, currency="EUR")
+    invoices, _ = _wire(monkeypatch, room)
+
+    async def fake_cpr(*, wallet_id, invoice_data):
+        invoices.append(invoice_data)
+        return SimpleNamespace(
+            payment_hash="ph_l", bolt11="lnbc1", fiat_provider=None, extra={}
+        )
+
+    monkeypatch.setattr(services, "create_payment_request", fake_cpr)
+    quote = asyncio.run(services.request_booking(_req(payment_method="lightning")))
+    assert not quote.is_fiat and quote.payment_request == "lnbc1"
+    assert invoices[0].unit == "sat" and invoices[0].fiat_provider is None
+    assert invoices[0].amount == 75_000  # deposit_percent 50 of 150k sats
+
+
+@pytest.mark.parametrize(
+    ("kwargs", "message"),
+    [
+        ({"accept_fiat": False}, "not enabled"),
+        ({"providers": ()}, "not enabled"),  # no provider → rail not offered at all
+    ],
+)
+def test_card_refused_before_any_hold(monkeypatch, kwargs, message):
+    room = make_room("room1", price=100.0, currency="EUR")
+    invoices, updated = _wire(monkeypatch, room, **kwargs)
+    with pytest.raises(ValueError, match=message):
+        asyncio.run(services.request_booking(_req()))
+    assert invoices == [] and updated == []  # refused up front, nothing held
+
+
+def test_sat_priced_room_cannot_take_card(monkeypatch):
+    room = make_room("room1", price=1000.0, currency="sat")
+    invoices, _ = _wire(monkeypatch, room)
+    with pytest.raises(ValueError, match="not enabled"):
+        asyncio.run(services.request_booking(_req()))
+    assert invoices == []
+
+
+def test_unlisted_frontend_is_rejected_before_hold(monkeypatch):
+    room = make_room("room1", price=100.0, currency="EUR")
+    invoices, updated = _wire(monkeypatch, room)
+    with pytest.raises(ValueError, match="frontend_url"):
+        asyncio.run(services.request_booking(_req(frontend_url="https://evil.example/x")))
+    assert invoices == [] and updated == []
+
+
+def test_provider_failure_releases_hold(monkeypatch):
+    room = make_room("room1", price=100.0, currency="EUR")
+    _, updated = _wire(monkeypatch, room, fail=True)
+    with pytest.raises(services.BookingError):
+        asyncio.run(services.request_booking(_req()))
+    assert updated[-1].status == BookingStatus.declined
diff --git a/tests/test_frontend_root.py b/tests/test_frontend_root.py
new file mode 100644
index 0000000..15ac279
--- /dev/null
+++ b/tests/test_frontend_root.py
@@ -0,0 +1,50 @@
+"""Hosted-checkout return root: only origins the instance trusts."""
+
+import pytest
+from lnbits.settings import settings
+
+from ..frontend import allowed_frontend_origins, resolve_frontend_root
+
+
+@pytest.fixture
+def lnbits_settings(monkeypatch):
+    monkeypatch.setattr(settings, "lnbits_baseurl", "https://lnbits.example/")
+    monkeypatch.setattr(
+        settings, "lnbits_cors_allowed_origins", ["https://app.example"], raising=False
+    )
+    monkeypatch.setattr(
+        settings,
+        "lnbits_custom_frontend_url",
+        "https://Front.Example/login",
+        raising=False,
+    )
+
+
+def test_allowlist_collects_every_configured_origin(lnbits_settings):
+    assert allowed_frontend_origins() == {
+        "https://lnbits.example",
+        "https://app.example",
+        "https://front.example",
+    }
+
+
+def test_absent_frontend_url_falls_back_to_the_request_host(lnbits_settings):
+    root = resolve_frontend_root(None, "https://lnbits.example/")
+    assert root == "https://lnbits.example"
+
+
+def test_absent_frontend_url_and_no_request_uses_instance_base(lnbits_settings):
+    # The RPC door has no request host.
+    assert resolve_frontend_root(None, None) == "https://lnbits.example"
+
+
+def test_allowed_origin_is_returned_without_trailing_slash(lnbits_settings):
+    out = resolve_frontend_root(
+        "https://app.example/chatelet/", "https://lnbits.example/"
+    )
+    assert out == "https://app.example/chatelet"
+
+
+def test_unlisted_origin_is_rejected_loudly(lnbits_settings):
+    with pytest.raises(ValueError, match="frontend_url"):
+        resolve_frontend_root("https://evil.example/x", "https://lnbits.example/")
diff --git a/tests/test_my_bookings.py b/tests/test_my_bookings.py
new file mode 100644
index 0000000..920cb46
--- /dev/null
+++ b/tests/test_my_bookings.py
@@ -0,0 +1,92 @@
+"""A guest's own bookings, on both doors. HTTP identity is the LNbits account
+pubkey; RPC identity is the signed sender_pubkey. Neither leaks another
+guest's rows, and the Lightning/Nostr plumbing stays internal."""
+
+import asyncio
+from types import SimpleNamespace
+from typing import Any
+
+import pytest
+from fastapi import HTTPException
+
+from .. import crud, transport_rpcs, views_api
+from ..models import Booking, BookingStatus, guest_booking_dict
+
+PK = "ab" * 32
+
+
+def _booking(i: int, **over: Any) -> Booking:
+    base: dict[str, Any] = {
+        "id": f"bk{i}",
+        "room_id": "a",
+        "guest_pubkey": PK,
+        "guest_contact": "me@example.com",
+        "check_in": f"2026-10-{10 + i:02d}",
+        "check_out": f"2026-10-{12 + i:02d}",
+        "nights": 2,
+        "num_guests": 1,
+        "currency": "EUR",
+        "price_fiat": 200.0,
+        "amount_sat": 300000,
+        "deposit_sat": 300000,
+        "status": BookingStatus.confirmed,
+        "payment_hash": f"ph{i}",
+        "request_event_id": "req",
+        "reservation_event_id": "res",
+    }
+    base.update(over)
+    return Booking(**base)
+
+
+def _patch_store(monkeypatch, rows):
+    seen = {}
+
+    async def for_guest(pubkey, limit=200):
+        seen["pubkey"] = pubkey
+        return [b for b in rows if b.guest_pubkey == pubkey]
+
+    monkeypatch.setattr(crud, "get_bookings_for_guest", for_guest)
+    return seen
+
+
+def test_guest_dict_keeps_own_contact_but_hides_plumbing():
+    d = guest_booking_dict(_booking(1))
+    assert d["guest_contact"] == "me@example.com"
+    assert d["guest_pubkey"] == PK
+    for hidden in ("payment_hash", "request_event_id", "reservation_event_id"):
+        assert hidden not in d
+
+
+def test_http_lists_only_the_callers_rows(monkeypatch):
+    rows = [_booking(1), _booking(2, guest_pubkey="cd" * 32)]
+    seen = _patch_store(monkeypatch, rows)
+    user = SimpleNamespace(id="u1", pubkey=PK)
+    out = asyncio.run(views_api.api_my_bookings(user=user))
+    assert seen["pubkey"] == PK
+    assert [b["id"] for b in out] == ["bk1"]
+    assert "payment_hash" not in out[0]
+
+
+def test_http_rejects_account_without_pubkey(monkeypatch):
+    _patch_store(monkeypatch, [])
+    with pytest.raises(HTTPException) as e:
+        asyncio.run(
+            views_api.api_my_bookings(user=SimpleNamespace(id="u1", pubkey=None))
+        )
+    assert e.value.status_code == 409
+
+
+def test_rpc_scopes_by_sender_and_requires_it(monkeypatch):
+    rows = [_booking(1)]
+    _patch_store(monkeypatch, rows)
+    req = transport_rpcs.NostrRpcRequest(
+        rpc_name="chatelet_booking_list_mine", request_id="r", body={}, sender_pubkey=PK
+    )
+    out = asyncio.run(transport_rpcs.handle_booking_list_mine(None, req))
+    assert [b["id"] for b in out] == ["bk1"]
+
+    anon = transport_rpcs.NostrRpcRequest(
+        rpc_name="chatelet_booking_list_mine", request_id="r", body={}
+    )
+    with pytest.raises(PermissionError):
+        asyncio.run(transport_rpcs.handle_booking_list_mine(None, anon))
diff --git a/tests/test_operator_settings.py b/tests/test_operator_settings.py
new file mode 100644
index 0000000..6df0e25
--- /dev/null
+++ b/tests/test_operator_settings.py
@@ -0,0 +1,136 @@
+"""Per-operator settings (multi-tenant): what a guest sees on a room and how
+the rails are derived. Chatelet never decides *whether* a user may charge
+card — it asks LNbits core per owner — only whether the operator wants to."""
+
+import asyncio
+from types import SimpleNamespace
+
+from .. import crud, services, transport_rpcs, views_api
+from ..models import OperatorSettings, RoomStatus, UpdateOperatorSettings
+from ..nostr import events
+from .conftest import make_room, patch_owner
+
+
+def _key(wallet_id="w1", user="u1"):
+    return SimpleNamespace(wallet=SimpleNamespace(id=wallet_id, user=user))
+
+
+def test_rails_need_flag_provider_and_fiat_price(monkeypatch):
+    room = make_room(price=100.0, currency="EUR")
+    on = OperatorSettings(user_id="u1", accept_fiat=True)
+    off = OperatorSettings(user_id="u1", accept_fiat=False)
+    lightning_only = ["lightning"]
+
+    monkeypatch.setattr(services, "fiat_providers_for_user", lambda _u: ["stripe"])
+    both = ["lightning", "fiat"]
+    assert services.payment_methods_for_room(room, "u1", on) == both
+    assert services.payment_methods_for_room(room, "u1", off) == lightning_only
+    sat_room = make_room(price=1000.0, currency="sat")
+    assert services.payment_methods_for_room(sat_room, "u1", on) == lightning_only
+    monkeypatch.setattr(services, "fiat_providers_for_user", lambda _u: [])
+    assert services.payment_methods_for_room(room, "u1", on) == lightning_only
+
+
+def test_public_room_view_attaches_rules_and_rails(monkeypatch):
+    patch_owner(monkeypatch, accept_fiat=True, providers=["stripe"])
+    room = make_room("a", status=RoomStatus.active, currency="EUR")
+    out = asyncio.run(services.public_room_view(room))
+    assert out["payment_methods"] == ["lightning", "fiat"]
+    assert out["house_rules"] == {
+        "checkin_time": "15:00",
+        "checkout_time": "11:00",
+        "cancellation_policy": "",
+    }
+    assert "wallet" not in out and "checkin_instructions" not in out
+
+
+def test_batch_view_looks_owner_up_once_per_wallet(monkeypatch):
+    calls: list[str] = []
+
+    async def get_wallet(wallet_id):
+        calls.append(wallet_id)
+        return SimpleNamespace(user="u1")
+
+    async def ops(uid):
+        return OperatorSettings(user_id=uid)
+
+    monkeypatch.setattr(services, "get_wallet", get_wallet)
+    monkeypatch.setattr(crud, "get_or_create_operator_settings", ops)
+    monkeypatch.setattr(services, "fiat_providers_for_user", lambda _u: [])
+    rooms = [
+        make_room("a", wallet="w1"),
+        make_room("b", wallet="w1"),
+        make_room("c", wallet="w2"),
+    ]
+    out = asyncio.run(services.public_room_views(rooms))
+    assert [r["id"] for r in out] == ["a", "b", "c"]
+    assert sorted(calls) == ["w1", "w2"]
+
+
+def test_listing_event_carries_rails_and_times():
+    room = make_room("a")
+    ev = events.build_listing_event(
+        room,
+        payment_methods=["lightning", "fiat"],
+        house_rules={
+            "checkin_time": "16:00",
+            "checkout_time": "10:00",
+            "cancellation_policy": "x",
+        },
+    )
+    wanted = ("payment_methods", "checkin_time", "checkout_time")
+    tags = {t[0]: t[1:] for t in ev["tags"] if t[0] in wanted}
+    assert tags == {
+        "payment_methods": ["lightning,fiat"],
+        "checkin_time": ["16:00"],
+        "checkout_time": ["10:00"],
+    }
+    # long-form policy text stays off the listing tags
+    assert not any(t[0] == "cancellation_policy" for t in ev["tags"])
+
+
+def test_operator_endpoints_scope_to_calling_user(monkeypatch):
+    store: dict[str, OperatorSettings] = {}
+
+    async def get_or_create(uid):
+        return store.setdefault(uid, OperatorSettings(user_id=uid))
+
+    async def update(ops):
+        store[ops.user_id] = ops
+        return ops
+
+    async def no_rooms():
+        return []
+
+    monkeypatch.setattr(crud, "get_or_create_operator_settings", get_or_create)
+    monkeypatch.setattr(crud, "update_operator_settings", update)
+    monkeypatch.setattr(crud, "get_rooms", no_rooms)
+    monkeypatch.setattr(
+        services, "fiat_providers_for_user", lambda u: ["stripe"] if u == "u1" else []
+    )
+
+    first = asyncio.run(views_api.api_get_operator_settings(key=_key(user="u1")))
+    assert first["user_id"] == "u1" and first["accept_fiat"] is False
+    assert first["available_fiat_providers"] == ["stripe"]
+
+    updated = asyncio.run(
+        views_api.api_update_operator_settings(
+            UpdateOperatorSettings(accept_fiat=True, checkin_time="16:00"),
+            key=_key(user="u1"),
+        )
+    )
+    assert updated["accept_fiat"] is True and updated["checkin_time"] == "16:00"
+
+    other = asyncio.run(views_api.api_get_operator_settings(key=_key(user="u2")))
+    assert other["accept_fiat"] is False and other["available_fiat_providers"] == []
+
+    # RPC twin reads the same row for the same wallet user
+    rpc = asyncio.run(
+        transport_rpcs.handle_operator_get(
+            _key(user="u1"),
+            transport_rpcs.NostrRpcRequest(
+                rpc_name="chatelet_operator_get", request_id="r", body={}
+            ),
+        )
+    )
+    assert rpc["accept_fiat"] is True and rpc["checkin_time"] == "16:00"
diff --git a/tests/test_public_endpoints.py b/tests/test_public_endpoints.py
index 8150b9a..752e7a1 100644
--- a/tests/test_public_endpoints.py
+++ b/tests/test_public_endpoints.py
@@ -2,6 +2,7 @@
 (privacy: check-in instructions must never reach a guest)."""
 
 import asyncio
+from typing import Any
 
 import pytest
 from fastapi import HTTPException
@@ -14,7 +15,7 @@ from ..models import (
     public_booking_dict,
     public_room_dict,
 )
-from .conftest import make_room
+from .conftest import make_room, patch_owner
 
 
 def test_public_room_dict_strips_private_fields():
@@ -36,10 +37,13 @@ def test_public_rooms_lists_active_only_and_stripped(monkeypatch):
         return [active, inactive]
 
     monkeypatch.setattr(crud, "get_rooms", gr)
+    patch_owner(monkeypatch)
     out = asyncio.run(views_api.api_public_rooms())
     assert [r["id"] for r in out] == ["a"]  # inactive hidden from guests
     assert "checkin_instructions" not in out[0]
     assert "wallet" not in out[0]
+    assert out[0]["house_rules"]["checkin_time"] == "15:00"
+    assert out[0]["payment_methods"] == ["lightning"]
 
 
 def test_public_room_404_when_inactive(monkeypatch):
@@ -60,14 +64,15 @@ def test_public_room_returns_stripped_when_active(monkeypatch):
         return room
 
     monkeypatch.setattr(crud, "get_room", gr)
+    patch_owner(monkeypatch)
     out = asyncio.run(views_api.api_public_room("a"))
     assert out["id"] == "a"
     assert "checkin_instructions" not in out
     assert "wallet" not in out
 
 
-def _booking(**overrides) -> Booking:
-    base = {
+def _booking(**overrides: Any) -> Booking:
+    base: dict[str, Any] = {
         "id": "bk_1234567",
         "room_id": "a",
         "guest_pubkey": "ab" * 32,
diff --git a/transport_rpcs.py b/transport_rpcs.py
index 71ee687..b522520 100644
--- a/transport_rpcs.py
+++ b/transport_rpcs.py
@@ -30,7 +30,13 @@ from lnbits.core.models.wallets import WalletTypeInfo
 from lnbits.core.services.nostr_transport.models import NostrRpcRequest
 
 from . import crud, services
-from .models import BookingRequestData, CreateBlockData, CreateRoomData, RoomStatus
+from .models import (
+    BookingRequestData,
+    CreateBlockData,
+    CreateRoomData,
+    RoomStatus,
+    UpdateOperatorSettings,
+)
 
 # Fields a client may patch on a room via chatelet_room_update. Identity /
 # counter fields (id, wallet, listing_event_id, created_at) are not mutable;
@@ -99,20 +105,36 @@ async def handle_block_create(auth: WalletTypeInfo, request: NostrRpcRequest) ->
     return _to_dict(block)
 
 
+async def handle_operator_get(auth: WalletTypeInfo, request: NostrRpcRequest) -> dict:
+    ops = await crud.get_or_create_operator_settings(auth.wallet.user)
+    return _to_dict(ops)
+
+
+async def handle_operator_update(
+    auth: WalletTypeInfo, request: NostrRpcRequest
+) -> dict:
+    ops = await crud.get_or_create_operator_settings(auth.wallet.user)
+    for k, v in (request.body or {}).items():
+        if k in UpdateOperatorSettings.__fields__:
+            setattr(ops, k, v)
+    return _to_dict(await crud.update_operator_settings(ops))
+
+
 # --- public: discovery + booking (AUTH_NONE) -------------------------------
 
 
 async def handle_room_list(auth: None, request: NostrRpcRequest) -> list[dict]:
-    """Active rooms only, wallet id stripped (public discovery)."""
-    rooms = await crud.get_rooms()
-    return [_public_room(r) for r in rooms if r.status == RoomStatus.active]
+    """Active rooms only, wallet id stripped, owner's house rules + rails
+    attached (public discovery) — same view as the HTTP door."""
+    rooms = [r for r in await crud.get_rooms() if r.status == RoomStatus.active]
+    return await services.public_room_views(rooms)
 
 
 async def handle_room_get(auth: None, request: NostrRpcRequest) -> dict:
     room = await crud.get_room(_require_id(request))
     if not room or room.status != RoomStatus.active:
         raise ValueError("Room not available")
-    return _public_room(room)
+    return await services.public_room_view(room)
 
 
 async def handle_room_unavailable(auth: None, request: NostrRpcRequest) -> dict:
@@ -150,11 +172,23 @@ async def handle_booking_request(auth: None, request: NostrRpcRequest) -> dict:
         num_guests=body.get("num_guests", 1),
         guest_contact=body.get("guest_contact"),
         message=body.get("message"),
+        payment_method=body.get("payment_method", "lightning"),
+        fiat_provider=body.get("fiat_provider"),
+        frontend_url=body.get("frontend_url"),
     )
+    # No request host on this door: the checkout returns to the instance root
+    # unless the client names its own (allow-listed) frontend_url.
     quote = await services.request_booking(data)
     return _to_dict(quote)
 
 
+async def handle_booking_list_mine(auth: None, request: NostrRpcRequest) -> list[dict]:
+    """The caller's own bookings, scoped by the signed sender_pubkey."""
+    if not request.sender_pubkey:
+        raise PermissionError("chatelet: caller identity required")
+    return await services.list_guest_bookings(request.sender_pubkey)
+
+
 async def handle_booking_get(auth: None, request: NostrRpcRequest) -> dict:
     booking = await crud.get_booking(_require_id(request))
     if not booking:
@@ -204,11 +238,3 @@ async def _require_owned_room(room_id: str, wallet_id: str):
 def _to_dict(obj) -> dict:
     return json.loads(obj.json())
 
-
-def _public_room(room) -> dict:
-    # Shared with the HTTP door; strips wallet id AND checkin_instructions
-    # (the latter was leaking to guests before — added after this file's
-    # original public dict).
-    from .models import public_room_dict
-
-    return public_room_dict(room)
diff --git a/views_api.py b/views_api.py
index 2e306fd..521267c 100644
--- a/views_api.py
+++ b/views_api.py
@@ -7,9 +7,9 @@ endpoints (room/block CRUD, settings) are HTTP-only and back the admin UI;
 the guest-facing surface (availability, booking) is what also rides the RPC.
 """
 
-from fastapi import APIRouter, Depends, HTTPException, Query
-from lnbits.core.models import WalletTypeInfo
-from lnbits.decorators import require_admin_key, require_invoice_key
+from fastapi import APIRouter, Depends, HTTPException, Query, Request
+from lnbits.core.models import User, WalletTypeInfo
+from lnbits.decorators import check_user_exists, require_admin_key, require_invoice_key
 
 from . import crud, services
 from .models import (
@@ -22,11 +22,12 @@ from .models import (
     ChateletSettings,
     CreateBlockData,
     CreateRoomData,
+    OperatorSettings,
     Room,
     RoomStatus,
     UnavailableRanges,
+    UpdateOperatorSettings,
     public_booking_dict,
-    public_room_dict,
 )
 from .nostr import service as nostr
 
@@ -192,17 +193,51 @@ async def api_update_settings(
     return await crud.update_settings(settings)
 
 
+# --- operator settings (per LNbits user; admin key → wallet → user) ----------
+
+
+def _with_providers(ops: OperatorSettings) -> dict:
+    """The row plus what core would actually let this user charge with, so
+    the admin UI can explain a card toggle that has no provider behind it."""
+    d = ops.dict()
+    d["available_fiat_providers"] = services.fiat_providers_for_user(ops.user_id)
+    return d
+
+
+@chatelet_api_router.get("/api/v1/operator")
+async def api_get_operator_settings(
+    key: WalletTypeInfo = Depends(require_admin_key),
+) -> dict:
+    ops = await crud.get_or_create_operator_settings(key.wallet.user)
+    return _with_providers(ops)
+
+
+@chatelet_api_router.put("/api/v1/operator")
+async def api_update_operator_settings(
+    data: UpdateOperatorSettings, key: WalletTypeInfo = Depends(require_admin_key)
+) -> dict:
+    ops = await crud.get_or_create_operator_settings(key.wallet.user)
+    for field in UpdateOperatorSettings.__fields__:
+        setattr(ops, field, getattr(data, field))
+    ops = await crud.update_operator_settings(ops)
+    # Rails/house rules ride on the public listing — refresh the owner's rooms.
+    for room in await crud.get_rooms():
+        if room.status == RoomStatus.active:
+            owner = await services.room_owner_id(room)
+            if owner == ops.user_id:
+                await nostr.publish_listing(room)
+    return _with_providers(ops)
+
+
 # --- public guest discovery (no auth) --------------------------------------
 
 
 @chatelet_api_router.get("/api/v1/public/rooms")
 async def api_public_rooms() -> list[dict]:
-    """Active rooms for guest browsing — operator-private fields stripped."""
-    return [
-        public_room_dict(r)
-        for r in await crud.get_rooms()
-        if r.status == RoomStatus.active
-    ]
+    """Active rooms for guests — wallet + check-in instructions stripped,
+    owner's house rules + accepted rails attached."""
+    rooms = [r for r in await crud.get_rooms() if r.status == RoomStatus.active]
+    return await services.public_room_views(rooms)
 
 
 @chatelet_api_router.get("/api/v1/public/rooms/{room_id}")
@@ -210,7 +245,7 @@ async def api_public_room(room_id: str) -> dict:
     room = await crud.get_room(room_id)
     if not room or room.status != RoomStatus.active:
         raise HTTPException(404, "Room not available")
-    return public_room_dict(room)
+    return await services.public_room_view(room)
 
 
 @chatelet_api_router.get("/api/v1/public/rooms/{room_id}/unavailable")
@@ -242,15 +277,29 @@ async def api_check_availability(q: AvailabilityQuery) -> AvailabilityResult:
 
 
 @chatelet_api_router.post("/api/v1/bookings", status_code=201)
-async def api_request_booking(data: BookingRequestData) -> BookingQuote:
+async def api_request_booking(
+    data: BookingRequestData, request: Request
+) -> BookingQuote:
     try:
-        return await services.request_booking(data)
+        return await services.request_booking(
+            data, base_url=str(request.base_url)
+        )
     except services.BookingError as exc:
         raise HTTPException(502, str(exc)) from exc
     except ValueError as exc:
         raise _to_http(exc) from exc
 
 
+@chatelet_api_router.get("/api/v1/bookings/mine")
+async def api_my_bookings(user: User = Depends(check_user_exists)) -> list[dict]:
+    """The signed-in guest's own stays. Identity is the LNbits account's Nostr
+    pubkey — the same value the booking request carried as guest_pubkey.
+    Declared before /bookings/{booking_id} so "mine" is not read as an id."""
+    if not user.pubkey:
+        raise HTTPException(409, "This account has no Nostr pubkey")
+    return await services.list_guest_bookings(user.pubkey)
+
+
 @chatelet_api_router.get("/api/v1/bookings/{booking_id}")
 async def api_get_booking(
     booking_id: str, key: WalletTypeInfo = Depends(require_invoice_key)