diff --git a/apps/business/src/App.tsx b/apps/business/src/App.tsx
index 6108a95..d6e4561 100644
--- a/apps/business/src/App.tsx
+++ b/apps/business/src/App.tsx
@@ -167,7 +167,7 @@ function App() {
               <Route path="website/faq" element={<WebsiteFaqPage />} />
               <Route path="website/badges" element={<WebsiteBadgesPage />} />
               <Route path="website/settings" element={<WebsiteSettingsPage />} />
-              <Route path="website/e-payment" element={<Navigate to="/settings" replace />} />
+              <Route path="website/e-payment" element={<Navigate to="/website/settings" replace />} />
             </Route>
           </Route>
         </Routes>
diff --git a/apps/business/src/components/ConfirmDeleteModal.module.css b/apps/business/src/components/ConfirmDeleteModal.module.css
index 120c62b..3019203 100644
--- a/apps/business/src/components/ConfirmDeleteModal.module.css
+++ b/apps/business/src/components/ConfirmDeleteModal.module.css
@@ -7,7 +7,7 @@
   display: flex;
   align-items: center;
   justify-content: center;
-  z-index: 200;
+  z-index: 1100;
   padding: 20px;
 }
 
diff --git a/apps/business/src/components/EPaymentSettingsSection.tsx b/apps/business/src/components/EPaymentSettingsSection.tsx
new file mode 100644
index 0000000..f4fd919
--- /dev/null
+++ b/apps/business/src/components/EPaymentSettingsSection.tsx
@@ -0,0 +1,465 @@
+import { useEffect, useState, type FormEvent } from 'react'
+import { Eye, EyeOff } from 'lucide-react'
+import { Switch } from './Switch'
+import { Tooltip } from './Tooltip'
+import { useToast } from '../context/ToastContext'
+import { useT } from '../i18n/useT'
+import type { BusinessMessageKey } from '../i18n/messages'
+import { ApiError } from '../lib/api'
+import {
+  DEFAULT_EPAYMENT_SETTINGS,
+  getSettings,
+  updateStoreSettings,
+  type EPaymentSettings,
+  type PaymentGatewayId,
+} from '../services/settingsService'
+import sharedStyles from '../pages/ProductSettingsPage.module.css'
+import fieldStyles from '../pages/AddNewProductPage.module.css'
+import styles from '../pages/SettingsPage.module.css'
+
+const COMING_SOON_GATEWAYS: {
+  id: Exclude<PaymentGatewayId, 'mellat' | 'zarinpal'>
+  nameKey: BusinessMessageKey
+  descKey: BusinessMessageKey
+}[] = [
+  {
+    id: 'sep',
+    nameKey: 'website.ePayment.gateway.sep',
+    descKey: 'website.ePayment.gateway.sepDesc',
+  },
+  {
+    id: 'snappay',
+    nameKey: 'website.ePayment.gateway.snappay',
+    descKey: 'website.ePayment.gateway.snappayDesc',
+  },
+  {
+    id: 'digipay',
+    nameKey: 'website.ePayment.gateway.digipay',
+    descKey: 'website.ePayment.gateway.digipayDesc',
+  },
+]
+
+function nextDefaultGateway(
+  current: EPaymentSettings,
+  gatewayId: PaymentGatewayId,
+  enabled: boolean,
+): PaymentGatewayId | null {
+  if (enabled && !current.defaultGateway) return gatewayId
+  if (!enabled && current.defaultGateway === gatewayId) {
+    if (gatewayId !== 'mellat' && current.gateways.mellat.enabled) return 'mellat'
+    if (gatewayId !== 'zarinpal' && current.gateways.zarinpal.enabled) {
+      return 'zarinpal'
+    }
+    return null
+  }
+  return current.defaultGateway
+}
+
+export function EPaymentSettingsSection() {
+  const t = useT()
+  const { showToast } = useToast()
+  const [ePayment, setEPayment] = useState<EPaymentSettings>(DEFAULT_EPAYMENT_SETTINGS)
+  const [passwordDraft, setPasswordDraft] = useState('')
+  const [showPassword, setShowPassword] = useState(false)
+  const [isLoading, setIsLoading] = useState(true)
+  const [savingKey, setSavingKey] = useState<string | null>(null)
+  const [error, setError] = useState('')
+
+  useEffect(() => {
+    const controller = new AbortController()
+    void loadSettings(controller.signal)
+    return () => controller.abort()
+  }, [])
+
+  async function loadSettings(signal?: AbortSignal) {
+    setIsLoading(true)
+    setError('')
+
+    try {
+      const data = await getSettings(signal)
+      setEPayment(data.settings.store.ePayment ?? DEFAULT_EPAYMENT_SETTINGS)
+      setPasswordDraft('')
+    } catch (err) {
+      if (err instanceof DOMException && err.name === 'AbortError') return
+      if (err instanceof ApiError) {
+        setError(err.message)
+      } else {
+        setError(t('productSettings.errorLoad'))
+      }
+    } finally {
+      setIsLoading(false)
+    }
+  }
+
+  async function patchEPayment(
+    saving: string,
+    next: EPaymentSettings,
+    password?: string,
+  ) {
+    setSavingKey(saving)
+    setError('')
+
+    try {
+      const payload: EPaymentSettings = {
+        enabled: next.enabled,
+        defaultGateway: next.defaultGateway,
+        gateways: {
+          mellat: {
+            enabled: next.gateways.mellat.enabled,
+            terminalId: next.gateways.mellat.terminalId,
+            username: next.gateways.mellat.username,
+            password: password ?? '',
+          },
+          sep: { enabled: next.gateways.sep.enabled },
+          snappay: { enabled: next.gateways.snappay.enabled },
+          digipay: { enabled: next.gateways.digipay.enabled },
+          zarinpal: {
+            enabled: next.gateways.zarinpal.enabled,
+            merchantId: next.gateways.zarinpal.merchantId.trim(),
+            sandbox: next.gateways.zarinpal.sandbox,
+          },
+        },
+      }
+
+      const data = await updateStoreSettings({ ePayment: payload })
+      setEPayment(data.settings.store.ePayment ?? DEFAULT_EPAYMENT_SETTINGS)
+      if (password) setPasswordDraft('')
+      showToast(t('productSettings.saved'), 'success')
+    } catch (err) {
+      if (err instanceof ApiError) {
+        setError(err.message)
+      } else {
+        setError(t('productSettings.errorSave'))
+      }
+    } finally {
+      setSavingKey(null)
+    }
+  }
+
+  async function handleMasterToggle(checked: boolean) {
+    await patchEPayment('master', {
+      ...ePayment,
+      enabled: checked,
+      defaultGateway: checked
+        ? ePayment.defaultGateway ??
+          (ePayment.gateways.mellat.enabled
+            ? 'mellat'
+            : ePayment.gateways.zarinpal.enabled
+              ? 'zarinpal'
+              : 'mellat')
+        : ePayment.defaultGateway,
+    })
+  }
+
+  async function handleMellatToggle(checked: boolean) {
+    await patchEPayment('mellat-enabled', {
+      ...ePayment,
+      enabled: checked ? true : ePayment.enabled,
+      gateways: {
+        ...ePayment.gateways,
+        mellat: { ...ePayment.gateways.mellat, enabled: checked },
+      },
+      defaultGateway: nextDefaultGateway(ePayment, 'mellat', checked),
+    })
+  }
+
+  async function handleZarinpalToggle(checked: boolean) {
+    await patchEPayment('zarinpal-enabled', {
+      ...ePayment,
+      enabled: checked ? true : ePayment.enabled,
+      gateways: {
+        ...ePayment.gateways,
+        zarinpal: { ...ePayment.gateways.zarinpal, enabled: checked },
+      },
+      defaultGateway: nextDefaultGateway(ePayment, 'zarinpal', checked),
+    })
+  }
+
+  async function handleSaveMellatCredentials(event: FormEvent) {
+    event.preventDefault()
+    const terminalId = ePayment.gateways.mellat.terminalId.trim()
+    const username = ePayment.gateways.mellat.username.trim()
+
+    if (ePayment.gateways.mellat.enabled && (!terminalId || !username)) {
+      setError(t('website.ePayment.error.credentials'))
+      return
+    }
+
+    await patchEPayment(
+      'mellat-credentials',
+      {
+        ...ePayment,
+        gateways: {
+          ...ePayment.gateways,
+          mellat: {
+            ...ePayment.gateways.mellat,
+            terminalId,
+            username,
+          },
+        },
+      },
+      passwordDraft.trim() || undefined,
+    )
+  }
+
+  async function handleSaveZarinpalCredentials(event: FormEvent) {
+    event.preventDefault()
+    const merchantId = ePayment.gateways.zarinpal.merchantId.trim()
+
+    if (ePayment.gateways.zarinpal.enabled && !merchantId) {
+      setError(t('website.ePayment.error.zarinpalMerchant'))
+      return
+    }
+
+    await patchEPayment('zarinpal-credentials', {
+      ...ePayment,
+      gateways: {
+        ...ePayment.gateways,
+        zarinpal: {
+          ...ePayment.gateways.zarinpal,
+          merchantId,
+        },
+      },
+    })
+  }
+
+  if (isLoading) {
+    return <p className={sharedStyles.status}>{t('productSettings.loading')}</p>
+  }
+
+  return (
+    <div className={styles.stack}>
+      {error ? <div className={sharedStyles.alertError}>{error}</div> : null}
+
+      <section className={sharedStyles.panel}>
+        <h3 className={sharedStyles.sectionTitle}>{t('title.ePayment')}</h3>
+        <div className={sharedStyles.list}>
+          <div className={sharedStyles.row}>
+            <div className={sharedStyles.rowText}>
+              <label className={sharedStyles.rowLabel} htmlFor="epayment-master">
+                {t('website.ePayment.master')}
+              </label>
+              <p className={sharedStyles.rowDescription}>
+                {t('website.ePayment.masterDesc')}
+              </p>
+            </div>
+            <Switch
+              id="epayment-master"
+              checked={ePayment.enabled}
+              disabled={savingKey !== null}
+              onChange={(checked) => void handleMasterToggle(checked)}
+            />
+          </div>
+          {!ePayment.enabled &&
+          (ePayment.gateways.mellat.enabled || ePayment.gateways.zarinpal.enabled) ? (
+            <p className={styles.masterOffHint} role="status">
+              {t('website.ePayment.masterOffHint')}
+            </p>
+          ) : null}
+        </div>
+      </section>
+
+      <section className={styles.gatewayCard} data-card-hover>
+        <div className={styles.gatewayHeader}>
+          <div>
+            <h3 className={styles.gatewayTitle}>
+              {t('website.ePayment.gateway.mellat')}
+            </h3>
+            <p className={styles.gatewayDesc}>
+              {t('website.ePayment.gateway.mellatDesc')}
+            </p>
+          </div>
+          <Switch
+            id="epayment-mellat"
+            checked={ePayment.gateways.mellat.enabled}
+            disabled={savingKey !== null}
+            onChange={(checked) => void handleMellatToggle(checked)}
+          />
+        </div>
+
+        <form
+          className={`${styles.credentials} ${
+            !ePayment.gateways.mellat.enabled ? styles.credentialsDisabled : ''
+          }`}
+          onSubmit={handleSaveMellatCredentials}
+          aria-disabled={!ePayment.gateways.mellat.enabled}
+        >
+          <div className={`${fieldStyles.field} ${styles.field}`}>
+            <label htmlFor="mellat-terminal">{t('website.ePayment.terminalId')}</label>
+            <input
+              id="mellat-terminal"
+              type="text"
+              inputMode="numeric"
+              autoComplete="off"
+              dir="ltr"
+              value={ePayment.gateways.mellat.terminalId}
+              disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
+              onChange={(e) =>
+                setEPayment((current) => ({
+                  ...current,
+                  gateways: {
+                    ...current.gateways,
+                    mellat: {
+                      ...current.gateways.mellat,
+                      terminalId: e.target.value,
+                    },
+                  },
+                }))
+              }
+            />
+          </div>
+
+          <div className={`${fieldStyles.field} ${styles.field}`}>
+            <label htmlFor="mellat-username">{t('website.ePayment.username')}</label>
+            <input
+              id="mellat-username"
+              type="text"
+              autoComplete="off"
+              dir="ltr"
+              value={ePayment.gateways.mellat.username}
+              disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
+              onChange={(e) =>
+                setEPayment((current) => ({
+                  ...current,
+                  gateways: {
+                    ...current.gateways,
+                    mellat: {
+                      ...current.gateways.mellat,
+                      username: e.target.value,
+                    },
+                  },
+                }))
+              }
+            />
+          </div>
+
+          <div className={`${fieldStyles.field} ${styles.field}`}>
+            <label htmlFor="mellat-password">{t('website.ePayment.password')}</label>
+            <div className={styles.passwordWrap}>
+              <input
+                id="mellat-password"
+                type={showPassword ? 'text' : 'password'}
+                autoComplete="new-password"
+                dir="ltr"
+                placeholder={t('website.ePayment.passwordPlaceholderSet')}
+                value={passwordDraft}
+                disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
+                onChange={(e) => setPasswordDraft(e.target.value)}
+              />
+              <Tooltip
+                label={
+                  showPassword
+                    ? t('website.ePayment.hidePassword')
+                    : t('website.ePayment.showPassword')
+                }
+              >
+                <button
+                  type="button"
+                  className={styles.passwordToggle}
+                  onClick={() => setShowPassword((v) => !v)}
+                  disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
+                  aria-label={
+                    showPassword
+                      ? t('website.ePayment.hidePassword')
+                      : t('website.ePayment.showPassword')
+                  }
+                >
+                  {showPassword ? <EyeOff size={16} /> : <Eye size={16} />}
+                </button>
+              </Tooltip>
+            </div>
+          </div>
+
+          <div className={styles.actionsInline}>
+            <button
+              type="submit"
+              className={styles.saveBtn}
+              disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
+            >
+              {savingKey === 'mellat-credentials'
+                ? t('storeSettings.saving')
+                : t('website.ePayment.saveCredentials')}
+            </button>
+          </div>
+        </form>
+      </section>
+
+      <section className={styles.gatewayCard} data-card-hover>
+        <div className={styles.gatewayHeader}>
+          <div>
+            <h3 className={styles.gatewayTitle}>
+              {t('website.ePayment.gateway.zarinpal')}
+            </h3>
+            <p className={styles.gatewayDesc}>
+              {t('website.ePayment.gateway.zarinpalDesc')}
+            </p>
+          </div>
+          <Switch
+            id="epayment-zarinpal"
+            checked={ePayment.gateways.zarinpal.enabled}
+            disabled={savingKey !== null}
+            onChange={(checked) => void handleZarinpalToggle(checked)}
+          />
+        </div>
+
+        <form
+          className={`${styles.credentialsInline} ${
+            !ePayment.gateways.zarinpal.enabled ? styles.credentialsDisabled : ''
+          }`}
+          onSubmit={handleSaveZarinpalCredentials}
+          aria-disabled={!ePayment.gateways.zarinpal.enabled}
+        >
+          <label className={styles.inlineLabel} htmlFor="zarinpal-merchant">
+            {t('website.ePayment.merchantId')}
+          </label>
+          <input
+            id="zarinpal-merchant"
+            className={styles.inlineInput}
+            type="text"
+            autoComplete="off"
+            dir="ltr"
+            spellCheck={false}
+            placeholder={t('website.ePayment.merchantIdPlaceholder')}
+            value={ePayment.gateways.zarinpal.merchantId}
+            disabled={savingKey !== null || !ePayment.gateways.zarinpal.enabled}
+            onChange={(e) =>
+              setEPayment((current) => ({
+                ...current,
+                gateways: {
+                  ...current.gateways,
+                  zarinpal: {
+                    ...current.gateways.zarinpal,
+                    merchantId: e.target.value,
+                  },
+                },
+              }))
+            }
+          />
+          <button
+            type="submit"
+            className={styles.saveBtn}
+            disabled={savingKey !== null || !ePayment.gateways.zarinpal.enabled}
+          >
+            {savingKey === 'zarinpal-credentials'
+              ? t('storeSettings.saving')
+              : t('website.ePayment.saveCredentials')}
+          </button>
+        </form>
+      </section>
+
+      <div className={styles.comingSoonGrid}>
+        {COMING_SOON_GATEWAYS.map((gateway) => (
+          <section key={gateway.id} className={styles.comingSoonCard}>
+            <div className={styles.gatewayHeader}>
+              <div>
+                <h3 className={styles.gatewayTitle}>{t(gateway.nameKey)}</h3>
+                <p className={styles.gatewayDesc}>{t(gateway.descKey)}</p>
+              </div>
+              <span className={styles.badge}>{t('website.ePayment.comingSoon')}</span>
+            </div>
+          </section>
+        ))}
+      </div>
+    </div>
+  )
+}
diff --git a/apps/business/src/components/SendCustomerSmsModal.tsx b/apps/business/src/components/SendCustomerSmsModal.tsx
index 63ba239..508233b 100644
--- a/apps/business/src/components/SendCustomerSmsModal.tsx
+++ b/apps/business/src/components/SendCustomerSmsModal.tsx
@@ -3,13 +3,14 @@ import { createPortal } from 'react-dom'
 import { X } from 'lucide-react'
 import { useLocale } from '@meshkee/dashboard-ui'
 import { useT } from '../i18n/useT'
-import { ApiError } from '../lib/api'
+import { ApiError, isAbortError } from '../lib/api'
 import { formatCellForDisplay } from '../lib/cellNumber'
 import {
   sendCustomerSms,
   sendCustomersBulkSms,
   type BusinessCustomerListItem,
 } from '../services/customerService'
+import { listSmsTemplates, type SmsTemplate } from '../services/smsTemplateService'
 import modalStyles from './VariationsModal.module.css'
 
 export type SmsComposeTarget =
@@ -39,6 +40,9 @@ export function SendCustomerSmsModal({
   const [mounted, setMounted] = useState(open)
   const [closing, setClosing] = useState(false)
   const [message, setMessage] = useState('')
+  const [templateId, setTemplateId] = useState('')
+  const [templates, setTemplates] = useState<SmsTemplate[]>([])
+  const [templatesLoading, setTemplatesLoading] = useState(false)
   const [isSubmitting, setIsSubmitting] = useState(false)
   const [error, setError] = useState('')
 
@@ -47,6 +51,7 @@ export function SendCustomerSmsModal({
       setMounted(true)
       setClosing(false)
       setMessage('')
+      setTemplateId('')
       setError('')
     } else if (mounted) {
       setClosing(true)
@@ -58,6 +63,24 @@ export function SendCustomerSmsModal({
     }
   }, [open, target, mounted])
 
+  useEffect(() => {
+    if (!open || !target) return
+    const controller = new AbortController()
+    setTemplatesLoading(true)
+    void listSmsTemplates(controller.signal)
+      .then((res) => {
+        if (!controller.signal.aborted) setTemplates(res.items)
+      })
+      .catch((err) => {
+        if (isAbortError(err)) return
+        if (!controller.signal.aborted) setTemplates([])
+      })
+      .finally(() => {
+        if (!controller.signal.aborted) setTemplatesLoading(false)
+      })
+    return () => controller.abort()
+  }, [open, target])
+
   useEffect(() => {
     if (!mounted || closing) return
     const onKey = (e: KeyboardEvent) => {
@@ -69,16 +92,25 @@ export function SendCustomerSmsModal({
 
   if (!mounted || !target) return null
 
+  const selectedTemplate = templates.find((item) => item.id === templateId) ?? null
   const trimmed = message.trim()
   const canSend = trimmed.length > 0 && trimmed.length <= MAX_LEN
 
+  function applyTemplate(nextId: string) {
+    setTemplateId(nextId)
+    if (!nextId) return
+    const tpl = templates.find((item) => item.id === nextId)
+    if (tpl) setMessage(tpl.body.slice(0, MAX_LEN))
+  }
+
   async function handleSubmit() {
     if (!target || !canSend) return
     setIsSubmitting(true)
     setError('')
     try {
+      const tplId = templateId || null
       if (target.mode === 'single') {
-        const result = await sendCustomerSms(target.customer.id, trimmed)
+        const result = await sendCustomerSms(target.customer.id, trimmed, tplId)
         if (!result.enabled) {
           setError(result.message || t('customers.smsModal.errorDisabled'))
           return
@@ -90,7 +122,7 @@ export function SendCustomerSmsModal({
         })
       } else {
         const userIds = target.mode === 'selected' ? target.userIds : undefined
-        const result = await sendCustomersBulkSms(trimmed, userIds)
+        const result = await sendCustomersBulkSms(trimmed, userIds, tplId)
         if (!result.enabled) {
           setError(result.message || t('customers.smsModal.errorDisabled'))
           return
@@ -154,6 +186,34 @@ export function SendCustomerSmsModal({
         <div className={modalStyles.body}>
           {error ? <p className={modalStyles.errorText}>{error}</p> : null}
 
+          <div className={modalStyles.field}>
+            <label htmlFor="customer-sms-template">{t('customers.smsModal.template')}</label>
+            <select
+              id="customer-sms-template"
+              value={templateId}
+              onChange={(e) => applyTemplate(e.target.value)}
+              disabled={isSubmitting || templatesLoading}
+            >
+              <option value="">{t('customers.smsModal.templateNone')}</option>
+              {templates.map((tpl) => (
+                <option key={tpl.id} value={tpl.id}>
+                  {tpl.name}
+                  {tpl.isVerified ? ' ✓' : ''}
+                </option>
+              ))}
+            </select>
+            {templatesLoading ? (
+              <p className={modalStyles.modalHint}>{t('customers.smsModal.templateLoading')}</p>
+            ) : null}
+            {selectedTemplate ? (
+              <p className={modalStyles.modalHint}>
+                {selectedTemplate.isVerified
+                  ? t('customers.smsModal.templateHintVerified')
+                  : t('customers.smsModal.templateHintPending')}
+              </p>
+            ) : null}
+          </div>
+
           <div className={modalStyles.field}>
             <label htmlFor="customer-sms-message">{t('customers.smsModal.message')}</label>
             <textarea
@@ -161,9 +221,10 @@ export function SendCustomerSmsModal({
               value={message}
               onChange={(e) => setMessage(e.target.value.slice(0, MAX_LEN))}
               rows={5}
-              disabled={isSubmitting}
+              disabled={isSubmitting || Boolean(selectedTemplate?.isVerified)}
               placeholder={t('customers.smsModal.placeholder')}
               dir={isFa ? 'rtl' : 'auto'}
+              readOnly={Boolean(selectedTemplate?.isVerified)}
             />
             <p className={modalStyles.modalHint}>
               {message.length} / {MAX_LEN}
diff --git a/apps/business/src/components/SmsSettingsSection.tsx b/apps/business/src/components/SmsSettingsSection.tsx
new file mode 100644
index 0000000..ddbcb8c
--- /dev/null
+++ b/apps/business/src/components/SmsSettingsSection.tsx
@@ -0,0 +1,536 @@
+import { useEffect, useRef, useState, type FormEvent } from 'react'
+import { createPortal } from 'react-dom'
+import { MessageSquare, Pencil, Plus, Send, Trash2, X } from 'lucide-react'
+import { useLocale } from '@meshkee/dashboard-ui'
+import { ConfirmDeleteModal } from './ConfirmDeleteModal'
+import { EmptyState } from './EmptyState'
+import { Tooltip } from './Tooltip'
+import { useToast } from '../context/ToastContext'
+import { useT } from '../i18n/useT'
+import { ApiError, isAbortError } from '../lib/api'
+import { formatIrtPrice } from '../utils/irtPrice'
+import {
+  createSmsTemplate,
+  deleteSmsTemplate,
+  getSmsCredit,
+  listSmsTemplates,
+  requestSmsTemplateVerification,
+  updateSmsTemplate,
+  type SmsTemplate,
+  type SmsTemplateVerificationStatus,
+} from '../services/smsTemplateService'
+import controlStyles from './CategoryRow.module.css'
+import fieldStyles from '../pages/AddNewProductPage.module.css'
+import sharedStyles from '../pages/ProductSettingsPage.module.css'
+import settingsStyles from '../pages/SettingsPage.module.css'
+import modalStyles from './VariationsModal.module.css'
+
+const SMS_TEMPLATE_VARS = ['{{user.name}}', '{{user.lastname}}', '{{user.title}}'] as const
+const LOW_BALANCE_IRT = 200_000
+const ANIMATION_MS = 220
+const MAX_BODY_LEN = 700
+
+function templateStatus(template: SmsTemplate): SmsTemplateVerificationStatus {
+  if (template.verificationStatus === 'pending' || template.verificationStatus === 'verified') {
+    return template.verificationStatus
+  }
+  if (template.isVerified) return 'verified'
+  return 'free'
+}
+
+export function SmsSettingsSection() {
+  const t = useT()
+  const { locale } = useLocale()
+  const isFa = locale === 'fa'
+  const { showToast } = useToast()
+  const [balance, setBalance] = useState(0)
+  const [templates, setTemplates] = useState<SmsTemplate[]>([])
+  const [loading, setLoading] = useState(true)
+  const [error, setError] = useState('')
+  const [listOpen, setListOpen] = useState(false)
+  const [editorOpen, setEditorOpen] = useState(false)
+  const [editing, setEditing] = useState<SmsTemplate | null>(null)
+  const [draftName, setDraftName] = useState('')
+  const [draftBody, setDraftBody] = useState('')
+  const [submitting, setSubmitting] = useState(false)
+  const [editorError, setEditorError] = useState('')
+  const [removeTarget, setRemoveTarget] = useState<SmsTemplate | null>(null)
+  const [busyId, setBusyId] = useState<string | null>(null)
+  const bodyRef = useRef<HTMLTextAreaElement>(null)
+
+  const [listMounted, setListMounted] = useState(false)
+  const [listClosing, setListClosing] = useState(false)
+  const [editorMounted, setEditorMounted] = useState(false)
+  const [editorClosing, setEditorClosing] = useState(false)
+
+  async function reload(signal?: AbortSignal) {
+    setLoading(true)
+    setError('')
+    try {
+      const [tpl, creditRes] = await Promise.all([
+        listSmsTemplates(signal),
+        getSmsCredit(signal),
+      ])
+      if (signal?.aborted) return
+      setTemplates(tpl.items)
+      setBalance(creditRes.balance ?? creditRes.credit ?? 0)
+    } catch (err) {
+      if (isAbortError(err)) return
+      setError(err instanceof ApiError ? err.message : t('settings.sms.errorLoad'))
+    } finally {
+      if (!signal?.aborted) setLoading(false)
+    }
+  }
+
+  useEffect(() => {
+    const controller = new AbortController()
+    void reload(controller.signal)
+    return () => controller.abort()
+  }, [])
+
+  useEffect(() => {
+    if (listOpen) {
+      setListMounted(true)
+      setListClosing(false)
+    } else if (listMounted) {
+      setListClosing(true)
+      const timer = setTimeout(() => {
+        setListMounted(false)
+        setListClosing(false)
+      }, ANIMATION_MS)
+      return () => clearTimeout(timer)
+    }
+  }, [listOpen, listMounted])
+
+  useEffect(() => {
+    if (editorOpen) {
+      setEditorMounted(true)
+      setEditorClosing(false)
+    } else if (editorMounted) {
+      setEditorClosing(true)
+      const timer = setTimeout(() => {
+        setEditorMounted(false)
+        setEditorClosing(false)
+      }, ANIMATION_MS)
+      return () => clearTimeout(timer)
+    }
+  }, [editorOpen, editorMounted])
+
+  useEffect(() => {
+    if (!listMounted && !editorMounted) return
+    const onKey = (e: KeyboardEvent) => {
+      if (e.key !== 'Escape' || submitting) return
+      if (editorOpen) {
+        setEditorOpen(false)
+        return
+      }
+      if (listOpen && removeTarget === null) setListOpen(false)
+    }
+    document.addEventListener('keydown', onKey)
+    return () => document.removeEventListener('keydown', onKey)
+  }, [listMounted, editorMounted, editorOpen, listOpen, submitting, removeTarget])
+
+  const verifiedCount = templates.filter((item) => item.isVerified).length
+  const isLowBalance = balance < LOW_BALANCE_IRT
+
+  function openCreate() {
+    setEditing(null)
+    setDraftName('')
+    setDraftBody('')
+    setEditorError('')
+    setEditorOpen(true)
+  }
+
+  function openEdit(template: SmsTemplate) {
+    setEditing(template)
+    setDraftName(template.name)
+    setDraftBody(template.body)
+    setEditorError('')
+    setEditorOpen(true)
+  }
+
+  function insertVariable(token: string) {
+    const el = bodyRef.current
+    const start = el?.selectionStart ?? draftBody.length
+    const end = el?.selectionEnd ?? draftBody.length
+    const next = `${draftBody.slice(0, start)}${token}${draftBody.slice(end)}`.slice(
+      0,
+      MAX_BODY_LEN,
+    )
+    const inserted = Math.min(token.length, MAX_BODY_LEN - draftBody.slice(0, start).length)
+    const cursor = start + Math.max(0, inserted)
+    setDraftBody(next)
+    requestAnimationFrame(() => {
+      el?.focus()
+      el?.setSelectionRange(cursor, cursor)
+    })
+  }
+
+  async function saveTemplate(e: FormEvent) {
+    e.preventDefault()
+    const name = draftName.trim()
+    const body = draftBody.trim()
+    if (!name || !body) {
+      setEditorError(t('settings.sms.templateRequired'))
+      return
+    }
+    setSubmitting(true)
+    setEditorError('')
+    try {
+      if (editing) {
+        const wasVerified = editing.isVerified
+        await updateSmsTemplate(editing.id, { name, body })
+        showToast(
+          wasVerified
+            ? t('settings.sms.templateUpdatedUnverified')
+            : t('settings.sms.templateUpdated'),
+          'success',
+        )
+      } else {
+        await createSmsTemplate({ name, body })
+        showToast(t('settings.sms.templateCreated'), 'success')
+      }
+      setEditorOpen(false)
+      await reload()
+    } catch (err) {
+      setEditorError(err instanceof ApiError ? err.message : t('settings.sms.errorSave'))
+    } finally {
+      setSubmitting(false)
+    }
+  }
+
+  async function confirmRemove() {
+    if (!removeTarget) return
+    try {
+      await deleteSmsTemplate(removeTarget.id)
+      showToast(t('settings.sms.templateRemoved'), 'success')
+      setRemoveTarget(null)
+      await reload()
+    } catch (err) {
+      setError(err instanceof ApiError ? err.message : t('settings.sms.errorSave'))
+      setRemoveTarget(null)
+    }
+  }
+
+  async function handleRequestVerification(template: SmsTemplate) {
+    setBusyId(template.id)
+    try {
+      await requestSmsTemplateVerification(template.id)
+      showToast(t('settings.sms.requestVerificationDone'), 'success')
+      await reload()
+    } catch (err) {
+      showToast(
+        err instanceof ApiError ? err.message : t('settings.sms.requestVerificationError'),
+        'error',
+      )
+    } finally {
+      setBusyId(null)
+    }
+  }
+
+  function statusBadge(status: SmsTemplateVerificationStatus) {
+    if (status === 'verified') {
+      return {
+        className: settingsStyles.smsBadgeVerified,
+        label: t('settings.sms.badgeVerified'),
+      }
+    }
+    if (status === 'pending') {
+      return {
+        className: settingsStyles.smsBadgePending,
+        label: t('settings.sms.badgePending'),
+      }
+    }
+    return {
+      className: settingsStyles.smsBadgeFree,
+      label: t('settings.sms.badgeFree'),
+    }
+  }
+
+  return (
+    <section className={settingsStyles.gatewayCard}>
+      <div className={settingsStyles.gatewayHeader}>
+        <div>
+          <h3 className={settingsStyles.gatewayTitle}>{t('settings.sms.title')}</h3>
+          <p className={settingsStyles.gatewayDesc}>{t('settings.sms.desc')}</p>
+        </div>
+      </div>
+
+      {error ? <p className={sharedStyles.errorText}>{error}</p> : null}
+
+      <div
+        className={`${settingsStyles.smsCreditRow} ${
+          isLowBalance ? settingsStyles.smsCreditRowLow : settingsStyles.smsCreditRowOk
+        }`}
+      >
+        <span className={settingsStyles.smsCreditLabel}>{t('settings.sms.balance')}</span>
+        <strong className={settingsStyles.smsCreditValue}>
+          {loading ? '…' : formatIrtPrice(balance)}
+        </strong>
+      </div>
+
+      <div className={settingsStyles.smsTemplatesSummary}>
+        <div className={settingsStyles.smsTemplatesSummaryText}>
+          <h4 className={settingsStyles.smsTemplatesTitle}>{t('settings.sms.templates')}</h4>
+          <p className={settingsStyles.smsTemplatesCounts}>
+            {loading
+              ? t('settings.sms.loading')
+              : t('settings.sms.templatesCounts', {
+                  total: templates.length,
+                  verified: verifiedCount,
+                })}
+          </p>
+        </div>
+        <button
+          type="button"
+          className={settingsStyles.saveBtn}
+          onClick={() => setListOpen(true)}
+          disabled={loading}
+        >
+          {t('settings.sms.manageTemplates')}
+        </button>
+      </div>
+
+      {listMounted
+        ? createPortal(
+            <div
+              className={`${modalStyles.overlay} ${
+                listClosing ? modalStyles.overlayOut : modalStyles.overlayIn
+              }`}
+              onClick={() => {
+                if (!submitting && !editorOpen) setListOpen(false)
+              }}
+            >
+              <div
+                className={`${modalStyles.modal} ${settingsStyles.smsTemplatesModal} ${
+                  listClosing ? modalStyles.modalOut : modalStyles.modalIn
+                }`}
+                onClick={(e) => e.stopPropagation()}
+                role="dialog"
+                aria-modal="true"
+                aria-labelledby="sms-templates-list-title"
+                lang={isFa ? 'fa' : 'en'}
+                dir={isFa ? 'rtl' : 'ltr'}
+              >
+                <div className={modalStyles.header}>
+                  <div>
+                    <h3 id="sms-templates-list-title" className={modalStyles.title}>
+                      {t('settings.sms.templates')}
+                    </h3>
+                  </div>
+                  <button
+                    type="button"
+                    className={modalStyles.closeBtn}
+                    onClick={() => setListOpen(false)}
+                    disabled={submitting}
+                    aria-label={t('common.close')}
+                  >
+                    <X size={18} />
+                  </button>
+                </div>
+
+                <div className={modalStyles.body}>
+                  {templates.length === 0 ? (
+                    <EmptyState
+                      icon={MessageSquare}
+                      message={t('settings.sms.templatesEmpty')}
+                      actionLabel={t('settings.sms.addTemplate')}
+                      onAction={openCreate}
+                    />
+                  ) : (
+                    <>
+                      <div className={settingsStyles.smsModalToolbar}>
+                        <p className={modalStyles.modalHint}>
+                          {t('settings.sms.templatesCounts', {
+                            total: templates.length,
+                            verified: verifiedCount,
+                          })}
+                        </p>
+                        <button
+                          type="button"
+                          className={settingsStyles.saveBtn}
+                          onClick={openCreate}
+                          disabled={submitting}
+                        >
+                          <Plus size={16} />
+                          {t('settings.sms.addTemplate')}
+                        </button>
+                      </div>
+                      <ul className={settingsStyles.smsTemplateList}>
+                        {templates.map((template) => {
+                          const status = templateStatus(template)
+                          const badge = statusBadge(status)
+                          return (
+                          <li key={template.id} className={settingsStyles.smsTemplateRow}>
+                            <div className={settingsStyles.smsTemplateMeta}>
+                              <div className={settingsStyles.smsTemplateTop}>
+                                <strong className={settingsStyles.smsTemplateName}>
+                                  {template.name}
+                                </strong>
+                                <span className={badge.className}>{badge.label}</span>
+                              </div>
+                              <p className={settingsStyles.smsTemplateBody} title={template.body}>
+                                {template.body}
+                              </p>
+                            </div>
+                            <div className={settingsStyles.smsTemplateActions}>
+                              {status === 'free' ? (
+                                <Tooltip label={t('settings.sms.requestVerification')}>
+                                  <button
+                                    type="button"
+                                    className={controlStyles.controlBtn}
+                                    onClick={() => void handleRequestVerification(template)}
+                                    disabled={busyId === template.id || submitting}
+                                    aria-label={t('settings.sms.requestVerification')}
+                                  >
+                                    <Send size={15} />
+                                  </button>
+                                </Tooltip>
+                              ) : null}
+                              <Tooltip label={t('settings.sms.editTemplate')}>
+                                <button
+                                  type="button"
+                                  className={controlStyles.controlBtn}
+                                  onClick={() => openEdit(template)}
+                                  aria-label={t('settings.sms.editTemplate')}
+                                >
+                                  <Pencil size={15} />
+                                </button>
+                              </Tooltip>
+                              <Tooltip label={t('settings.sms.deleteTemplate')}>
+                                <button
+                                  type="button"
+                                  className={`${controlStyles.controlBtn} ${controlStyles.danger}`}
+                                  onClick={() => setRemoveTarget(template)}
+                                  aria-label={t('settings.sms.deleteTemplate')}
+                                >
+                                  <Trash2 size={15} />
+                                </button>
+                              </Tooltip>
+                            </div>
+                          </li>
+                          )
+                        })}
+                      </ul>
+                    </>
+                  )}
+                </div>
+              </div>
+            </div>,
+            document.body,
+          )
+        : null}
+
+      {editorMounted
+        ? createPortal(
+            <div
+              className={`${modalStyles.overlay} ${modalStyles.overlayNested} ${
+                editorClosing ? modalStyles.overlayOut : modalStyles.overlayIn
+              }`}
+              onClick={() => {
+                if (!submitting) setEditorOpen(false)
+              }}
+            >
+              <div
+                className={`${modalStyles.modal} ${modalStyles.modalFormWide} ${
+                  editorClosing ? modalStyles.modalOut : modalStyles.modalIn
+                }`}
+                onClick={(e) => e.stopPropagation()}
+                role="dialog"
+                aria-modal="true"
+                aria-labelledby="sms-template-editor-title"
+                lang={isFa ? 'fa' : 'en'}
+                dir={isFa ? 'rtl' : 'ltr'}
+              >
+                <div className={modalStyles.header}>
+                  <div>
+                    <h3 id="sms-template-editor-title" className={modalStyles.title}>
+                      {editing
+                        ? t('settings.sms.editTemplate')
+                        : t('settings.sms.addTemplate')}
+                    </h3>
+                    {editing?.isVerified ? (
+                      <p className={modalStyles.subtitle}>
+                        {t('settings.sms.editClearsVerification')}
+                      </p>
+                    ) : null}
+                  </div>
+                  <button
+                    type="button"
+                    className={modalStyles.closeBtn}
+                    onClick={() => setEditorOpen(false)}
+                    disabled={submitting}
+                    aria-label={t('common.close')}
+                  >
+                    <X size={18} />
+                  </button>
+                </div>
+
+                <form className={modalStyles.body} onSubmit={(e) => void saveTemplate(e)}>
+                  {editorError ? <p className={modalStyles.errorText}>{editorError}</p> : null}
+                  <label className={fieldStyles.field}>
+                    {t('settings.sms.templateName')}
+                    <input
+                      value={draftName}
+                      onChange={(e) => setDraftName(e.target.value)}
+                      disabled={submitting}
+                    />
+                  </label>
+                  <div className={`${fieldStyles.field} ${settingsStyles.smsEditorField}`}>
+                    <span>{t('settings.sms.templateBody')}</span>
+                    <div className={settingsStyles.smsVarChips} role="group" aria-label={t('settings.sms.variablesHint')}>
+                      {SMS_TEMPLATE_VARS.map((token) => (
+                        <button
+                          key={token}
+                          type="button"
+                          className={settingsStyles.smsVarChip}
+                          onClick={() => insertVariable(token)}
+                          disabled={submitting || draftBody.length >= MAX_BODY_LEN}
+                          dir="ltr"
+                        >
+                          {token}
+                        </button>
+                      ))}
+                    </div>
+                    <textarea
+                      ref={bodyRef}
+                      value={draftBody}
+                      onChange={(e) => setDraftBody(e.target.value.slice(0, MAX_BODY_LEN))}
+                      rows={5}
+                      disabled={submitting}
+                    />
+                  </div>
+                  <div className={modalStyles.actions}>
+                    <button
+                      type="button"
+                      className={modalStyles.cancelBtn}
+                      onClick={() => setEditorOpen(false)}
+                      disabled={submitting}
+                    >
+                      {t('common.cancel')}
+                    </button>
+                    <button type="submit" className={modalStyles.submitBtn} disabled={submitting}>
+                      {submitting ? t('settings.sms.saving') : t('settings.sms.saveTemplate')}
+                    </button>
+                  </div>
+                </form>
+              </div>
+            </div>,
+            document.body,
+          )
+        : null}
+
+      <ConfirmDeleteModal
+        open={removeTarget !== null}
+        title={t('settings.sms.deleteTitle')}
+        message={
+          removeTarget
+            ? t('settings.sms.deleteMessage', { name: removeTarget.name })
+            : ''
+        }
+        onCancel={() => setRemoveTarget(null)}
+        onConfirm={() => void confirmRemove()}
+      />
+    </section>
+  )
+}
diff --git a/apps/business/src/i18n/messages.ts b/apps/business/src/i18n/messages.ts
index c4012cd..eef56f8 100644
--- a/apps/business/src/i18n/messages.ts
+++ b/apps/business/src/i18n/messages.ts
@@ -1132,6 +1132,13 @@ const en = {
   'customers.smsModal.sending': 'Sending…',
   'customers.smsModal.error': 'Unable to send SMS.',
   'customers.smsModal.errorDisabled': 'SMS is disabled. Message was not sent.',
+  'customers.smsModal.template': 'Template',
+  'customers.smsModal.templateNone': 'Custom message (no template)',
+  'customers.smsModal.templateHintVerified':
+    'Verified template — sent from Meshkee service line 5000110005 (sender cannot be changed).',
+  'customers.smsModal.templateHintPending':
+    'Unverified template — sent from advertising line 9000590009. Use as a draft for better UX until approved.',
+  'customers.smsModal.templateLoading': 'Loading templates…',
   'customers.tickets': 'Tickets',
   'customers.invoices': 'View invoices',
   'customers.remove': 'Remove customer',
@@ -1683,7 +1690,48 @@ const en = {
   'website.card.badges.link': 'Manage badges',
   'website.card.settings.desc': 'Choose how special products are sourced for the website.',
   'website.card.settings.link': 'Manage settings',
-  'settings.subtitle': 'Configure online payment gateways and checkout payment options.',
+  'settings.subtitle': 'Manage SMS balance and message templates.',
+  'settings.sms.title': 'SMS settings',
+  'settings.sms.desc':
+    'View your prepaid SMS balance and manage message templates. Sender numbers are managed by Meshkee.',
+  'settings.sms.balance': 'SMS balance',
+  'settings.sms.balanceHint':
+    'Balance is in IRT. Each 64 characters costs 400 IRT per recipient (login, orders, customer SMS, etc.). Contact Meshkee to top up.',
+  'settings.sms.credit': 'Account credit',
+  'settings.sms.creditUnavailable': 'Unavailable',
+  'settings.sms.templates': 'Templates',
+  'settings.sms.templatesCounts': '{total} total · {verified} verified',
+  'settings.sms.manageTemplates': 'Manage templates',
+  'settings.sms.addTemplate': 'Add template',
+  'settings.sms.editTemplate': 'Edit template',
+  'settings.sms.deleteTemplate': 'Delete template',
+  'settings.sms.templatesEmpty': 'No templates yet. Create one to reuse when sending SMS.',
+  'settings.sms.variablesHint': 'Variables',
+  'settings.sms.templateName': 'Name',
+  'settings.sms.templateBody': 'Message body',
+  'settings.sms.saveTemplate': 'Save template',
+  'settings.sms.saving': 'Saving…',
+  'settings.sms.loading': 'Loading…',
+  'settings.sms.verified': 'Verified',
+  'settings.sms.pending': 'Pending verification',
+  'settings.sms.badgeFree': 'Free template',
+  'settings.sms.badgePending': 'Waiting for verification',
+  'settings.sms.badgeVerified': 'Verified template',
+  'settings.sms.requestVerification': 'Submit for verification',
+  'settings.sms.requestVerificationDone': 'Submitted for verification.',
+  'settings.sms.requestVerificationError': 'Unable to submit for verification.',
+  'settings.sms.templateRequired': 'Name and body are required.',
+  'settings.sms.templateCreated': 'Template created.',
+  'settings.sms.templateUpdated': 'Template updated.',
+  'settings.sms.templateUpdatedUnverified':
+    'Template updated. Verification was cleared — it must be approved again.',
+  'settings.sms.editClearsVerification':
+    'Saving changes removes verification. The template becomes a free template until Meshkee approves it again.',
+  'settings.sms.templateRemoved': 'Template removed.',
+  'settings.sms.deleteTitle': 'Delete template?',
+  'settings.sms.deleteMessage': 'Delete “{name}”? This cannot be undone.',
+  'settings.sms.errorLoad': 'Unable to load SMS settings.',
+  'settings.sms.errorSave': 'Unable to save.',
 
   'website.scrollLeft': 'Scroll left',
   'website.scrollRight': 'Scroll right',
@@ -1925,7 +1973,8 @@ const en = {
   'website.specialItems.pickErrorLoadProducts': 'Unable to load products.',
 
   'website.settings.title': 'Website settings',
-  'website.settings.subtitle': 'Configure how website content is sourced and displayed.',
+  'website.settings.subtitle':
+    'Configure website content sources, sitemap, and online payment gateways.',
   'website.settings.loading': 'Loading settings...',
   'website.settings.errorLoad': 'Unable to load settings.',
   'website.settings.errorSave': 'Unable to save settings.',
@@ -3544,6 +3593,13 @@ const fa: Record<MessageKey, string> = {
   'customers.smsModal.sending': 'در حال ارسال…',
   'customers.smsModal.error': 'ارسال پیامک ممکن نشد.',
   'customers.smsModal.errorDisabled': 'پیامک غیرفعال است. پیام ارسال نشد.',
+  'customers.smsModal.template': 'قالب',
+  'customers.smsModal.templateNone': 'پیام سفارشی (بدون قالب)',
+  'customers.smsModal.templateHintVerified':
+    'قالب تأییدشده — از خط خدماتی مشکی ۵۰۰۰۱۱۰۰۰۵ ارسال می‌شود (فرستنده قابل تغییر نیست).',
+  'customers.smsModal.templateHintPending':
+    'قالب تأییدنشده — از خط تبلیغاتی ۹۰۰۰۵۹۰۰۰۹ ارسال می‌شود. تا زمان تأیید، فقط برای راحتی نوشتن استفاده کنید.',
+  'customers.smsModal.templateLoading': 'در حال بارگذاری قالب‌ها…',
   'customers.tickets': 'تیکت‌ها',
   'customers.invoices': 'مشاهده فاکتورها',
   'customers.remove': 'حذف مشتری',
@@ -4096,7 +4152,48 @@ const fa: Record<MessageKey, string> = {
   'website.card.badges.link': 'مدیریت نشان‌ها',
   'website.card.settings.desc': 'منبع خواندن محصولات ویژه وب‌سایت را انتخاب کنید.',
   'website.card.settings.link': 'مدیریت تنظیمات',
-  'settings.subtitle': 'درگاه‌های پرداخت آنلاین و گزینه‌های تسویه حساب را پیکربندی کنید.',
+  'settings.subtitle': 'اعتبار پیامک و قالب‌های پیام را مدیریت کنید.',
+  'settings.sms.title': 'تنظیمات پیامک',
+  'settings.sms.desc':
+    'اعتبار پیش‌پرداخت پیامک و قالب‌های پیام را ببینید. شماره فرستنده توسط مشکی مدیریت می‌شود.',
+  'settings.sms.balance': 'اعتبار پیامک',
+  'settings.sms.balanceHint':
+    'اعتبار به تومان (IRT) است. هر ۶۴ کاراکتر برای هر گیرنده ۴۰۰ تومان هزینه دارد (ورود، سفارش، پیامک مشتری و غیره). برای افزایش با مشکی تماس بگیرید.',
+  'settings.sms.credit': 'اعتبار حساب',
+  'settings.sms.creditUnavailable': 'در دسترس نیست',
+  'settings.sms.templates': 'قالب‌ها',
+  'settings.sms.templatesCounts': '{total} قالب · {verified} تأییدشده',
+  'settings.sms.manageTemplates': 'مدیریت قالب‌ها',
+  'settings.sms.addTemplate': 'افزودن قالب',
+  'settings.sms.editTemplate': 'ویرایش قالب',
+  'settings.sms.deleteTemplate': 'حذف قالب',
+  'settings.sms.templatesEmpty': 'هنوز قالبی نیست. برای استفاده هنگام ارسال پیامک یکی بسازید.',
+  'settings.sms.variablesHint': 'متغیرها',
+  'settings.sms.templateName': 'نام',
+  'settings.sms.templateBody': 'متن پیام',
+  'settings.sms.saveTemplate': 'ذخیره قالب',
+  'settings.sms.saving': 'در حال ذخیره…',
+  'settings.sms.loading': 'در حال بارگذاری…',
+  'settings.sms.verified': 'تأییدشده',
+  'settings.sms.pending': 'در انتظار تأیید',
+  'settings.sms.badgeFree': 'قالب آزاد',
+  'settings.sms.badgePending': 'در انتظار تأیید',
+  'settings.sms.badgeVerified': 'قالب تایید شده',
+  'settings.sms.requestVerification': 'ارسال برای تأیید',
+  'settings.sms.requestVerificationDone': 'برای تأیید ارسال شد.',
+  'settings.sms.requestVerificationError': 'ارسال برای تأیید ممکن نشد.',
+  'settings.sms.templateRequired': 'نام و متن الزامی است.',
+  'settings.sms.templateCreated': 'قالب ایجاد شد.',
+  'settings.sms.templateUpdated': 'قالب به‌روز شد.',
+  'settings.sms.templateUpdatedUnverified':
+    'قالب به‌روز شد. تأیید لغو شد — باید دوباره تأیید شود.',
+  'settings.sms.editClearsVerification':
+    'ذخیره تغییرات، تأیید را لغو می‌کند. تا تأیید مجدد مشکی، این قالب به‌عنوان قالب آزاد ارسال می‌شود.',
+  'settings.sms.templateRemoved': 'قالب حذف شد.',
+  'settings.sms.deleteTitle': 'حذف قالب؟',
+  'settings.sms.deleteMessage': '«{name}» حذف شود؟ این کار قابل بازگشت نیست.',
+  'settings.sms.errorLoad': 'بارگذاری تنظیمات پیامک ممکن نشد.',
+  'settings.sms.errorSave': 'ذخیره ممکن نشد.',
 
   'website.scrollLeft': 'اسکرول به چپ',
   'website.scrollRight': 'اسکرول به راست',
@@ -4336,7 +4433,8 @@ const fa: Record<MessageKey, string> = {
   'website.specialItems.pickErrorLoadProducts': 'بارگذاری محصولات ممکن نشد.',
 
   'website.settings.title': 'تنظیمات وب‌سایت',
-  'website.settings.subtitle': 'نحوه منبع‌گیری و نمایش محتوای وب‌سایت را پیکربندی کنید.',
+  'website.settings.subtitle':
+    'منبع محتوای وب‌سایت، نقشه سایت و درگاه‌های پرداخت آنلاین را پیکربندی کنید.',
   'website.settings.loading': 'در حال بارگذاری تنظیمات...',
   'website.settings.errorLoad': 'بارگذاری تنظیمات ممکن نشد.',
   'website.settings.errorSave': 'ذخیره تنظیمات ممکن نشد.',
diff --git a/apps/business/src/pages/SettingsPage.module.css b/apps/business/src/pages/SettingsPage.module.css
index 9177473..eddf568 100644
--- a/apps/business/src/pages/SettingsPage.module.css
+++ b/apps/business/src/pages/SettingsPage.module.css
@@ -188,6 +188,315 @@
   cursor: not-allowed;
 }
 
+.cancelBtn {
+  min-height: var(--field-height);
+  padding: 0 16px;
+  border: 1px solid rgba(148, 163, 184, 0.35);
+  border-radius: var(--radius-sm);
+  background: rgba(255, 255, 255, 0.7);
+  color: var(--text-secondary);
+  font-size: var(--field-font-size);
+  font-weight: 600;
+  font-family: var(--font-ui);
+  cursor: pointer;
+}
+
+.cancelBtn:disabled {
+  opacity: 0.6;
+  cursor: not-allowed;
+}
+
+.smsCreditRow {
+  display: flex;
+  align-items: baseline;
+  justify-content: space-between;
+  gap: 12px;
+  margin-top: 14px;
+  padding: 12px 14px;
+  border-radius: var(--radius-sm);
+  border: 1px solid transparent;
+}
+
+.smsCreditRowOk {
+  background: rgba(var(--primary-rgb) / 0.1);
+  border-color: rgba(var(--primary-rgb) / 0.28);
+}
+
+.smsCreditRowOk .smsCreditLabel,
+.smsCreditRowOk .smsCreditValue {
+  color: var(--primary);
+}
+
+.smsCreditRowLow {
+  background: rgba(239, 68, 68, 0.1);
+  border-color: rgba(239, 68, 68, 0.28);
+}
+
+.smsCreditRowLow .smsCreditLabel,
+.smsCreditRowLow .smsCreditValue {
+  color: #dc2626;
+}
+
+.smsCreditLabel {
+  font-size: 13px;
+  font-weight: 500;
+}
+
+.smsCreditValue {
+  font-size: 16px;
+  font-weight: 700;
+  font-variant-numeric: tabular-nums;
+  font-family: var(--font-ui);
+}
+
+.smsTemplatesSummary {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  margin-top: 20px;
+  padding-top: 16px;
+  border-top: 1px solid rgba(148, 163, 184, 0.2);
+}
+
+.smsTemplatesSummaryText {
+  min-width: 0;
+}
+
+.smsTemplatesCounts {
+  margin: 4px 0 0;
+  font-size: 13px;
+  color: var(--text-secondary);
+  font-variant-numeric: tabular-nums;
+}
+
+.smsTemplatesHeader {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  margin-top: 20px;
+  padding-top: 16px;
+  border-top: 1px solid rgba(148, 163, 184, 0.2);
+}
+
+.smsTemplatesHeader .saveBtn,
+.smsTemplatesSummary .saveBtn,
+.smsModalToolbar .saveBtn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+}
+
+.smsTemplatesTitle {
+  margin: 0;
+  font-size: 14px;
+  font-weight: 600;
+  color: var(--text-primary);
+}
+
+.smsModalToolbar {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  margin-bottom: 14px;
+}
+
+.smsEditorField {
+  margin-top: 10px;
+}
+
+.smsEditorField > span {
+  display: block;
+  margin-bottom: 6px;
+  font-size: 12px;
+  font-weight: 500;
+  color: var(--text-secondary);
+}
+
+.smsVarChips {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 8px;
+  margin: 8px 0 10px;
+}
+
+.smsVarChip {
+  display: inline-flex;
+  align-items: center;
+  min-height: 28px;
+  padding: 0 10px;
+  border-radius: 999px;
+  border: 1px solid rgba(var(--primary-rgb) / 0.28);
+  background: rgba(var(--primary-rgb) / 0.1);
+  color: var(--primary);
+  font-size: 12px;
+  font-weight: 600;
+  font-family: var(--font-ui);
+  cursor: pointer;
+  transition: background 0.15s, border-color 0.15s;
+}
+
+.smsVarChip:hover:not(:disabled) {
+  background: rgba(var(--primary-rgb) / 0.16);
+  border-color: var(--primary);
+}
+
+.smsVarChip:disabled {
+  opacity: 0.55;
+  cursor: not-allowed;
+}
+
+.smsTemplatesModal {
+  width: min(960px, calc(100vw - 40px));
+  max-width: 960px;
+}
+
+.smsTemplateList {
+  list-style: none;
+  margin: 0;
+  padding: 0;
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+}
+
+.smsTemplateRow {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 14px;
+  padding: 12px 14px;
+  border-radius: var(--radius-sm);
+  background: var(--surface);
+  border: 1px solid rgba(148, 163, 184, 0.22);
+  min-height: 64px;
+}
+
+.smsTemplateMeta {
+  min-width: 0;
+  flex: 1;
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+}
+
+.smsTemplateTop {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 8px;
+  min-width: 0;
+}
+
+.smsTemplateName {
+  font-size: 14px;
+  font-weight: 600;
+  color: var(--text-primary);
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+  max-width: min(420px, 100%);
+}
+
+.smsTemplateBody {
+  margin: 0;
+  font-size: 12px;
+  line-height: 1.45;
+  color: var(--text-secondary);
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.smsTemplateActions {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  flex-shrink: 0;
+}
+
+.smsBadgeFree,
+.smsBadgePending,
+.smsBadgeVerified {
+  display: inline-flex;
+  align-items: center;
+  flex-shrink: 0;
+  padding: 2px 8px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 600;
+  line-height: 1.3;
+}
+
+.smsBadgeFree {
+  background: rgba(var(--primary-rgb) / 0.12);
+  color: var(--primary);
+  border: 1px solid rgba(var(--primary-rgb) / 0.28);
+}
+
+.smsBadgePending {
+  background: rgba(245, 158, 11, 0.14);
+  color: #b45309;
+  border: 1px solid rgba(245, 158, 11, 0.35);
+}
+
+.smsBadgeVerified {
+  background: rgba(16, 185, 129, 0.12);
+  color: #047857;
+  border: 1px solid rgba(16, 185, 129, 0.32);
+}
+
+.smsEditor {
+  margin-top: 14px;
+  padding: 14px;
+  border-radius: var(--radius-sm);
+  background: rgba(255, 255, 255, 0.45);
+  border: 1px solid rgba(148, 163, 184, 0.22);
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+
+.smsEditorActions {
+  display: flex;
+  justify-content: flex-end;
+  gap: 8px;
+  margin-top: 14px;
+}
+
+@media (max-width: 640px) {
+  .smsTemplatesSummary {
+    flex-direction: column;
+    align-items: stretch;
+  }
+
+  .smsTemplatesSummary .saveBtn,
+  .smsModalToolbar {
+    flex-direction: column;
+    align-items: stretch;
+  }
+
+  .smsModalToolbar .saveBtn {
+    width: 100%;
+    justify-content: center;
+  }
+}
+
+.smsSenderForm {
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+  margin-top: 14px;
+  padding-top: 14px;
+  border-top: 1px solid rgba(148, 163, 184, 0.2);
+}
+
+.smsSenderForm .saveBtn {
+  align-self: flex-start;
+}
+
 .comingSoonGrid {
   display: grid;
   grid-template-columns: repeat(2, minmax(0, 1fr));
diff --git a/apps/business/src/pages/SettingsPage.tsx b/apps/business/src/pages/SettingsPage.tsx
index 3add0ca..825b076 100644
--- a/apps/business/src/pages/SettingsPage.tsx
+++ b/apps/business/src/pages/SettingsPage.tsx
@@ -1,231 +1,12 @@
-import { useEffect, useState, type FormEvent } from 'react'
-import { Eye, EyeOff } from 'lucide-react'
 import { Breadcrumbs } from '../components/Breadcrumbs'
 import { PageTitle } from '../components/PageTitle'
-import { Switch } from '../components/Switch'
-import { Tooltip } from '../components/Tooltip'
-import { useToast } from '../context/ToastContext'
+import { SmsSettingsSection } from '../components/SmsSettingsSection'
 import { useT } from '../i18n/useT'
-import type { BusinessMessageKey } from '../i18n/messages'
-import { ApiError } from '../lib/api'
-import {
-  DEFAULT_EPAYMENT_SETTINGS,
-  getSettings,
-  updateStoreSettings,
-  type EPaymentSettings,
-  type PaymentGatewayId,
-} from '../services/settingsService'
 import pageStyles from '../components/PageContent.module.css'
-import sharedStyles from './ProductSettingsPage.module.css'
-import fieldStyles from './AddNewProductPage.module.css'
 import styles from './SettingsPage.module.css'
 
-const COMING_SOON_GATEWAYS: {
-  id: Exclude<PaymentGatewayId, 'mellat' | 'zarinpal'>
-  nameKey: BusinessMessageKey
-  descKey: BusinessMessageKey
-}[] = [
-  {
-    id: 'sep',
-    nameKey: 'website.ePayment.gateway.sep',
-    descKey: 'website.ePayment.gateway.sepDesc',
-  },
-  {
-    id: 'snappay',
-    nameKey: 'website.ePayment.gateway.snappay',
-    descKey: 'website.ePayment.gateway.snappayDesc',
-  },
-  {
-    id: 'digipay',
-    nameKey: 'website.ePayment.gateway.digipay',
-    descKey: 'website.ePayment.gateway.digipayDesc',
-  },
-]
-
-function nextDefaultGateway(
-  current: EPaymentSettings,
-  gatewayId: PaymentGatewayId,
-  enabled: boolean,
-): PaymentGatewayId | null {
-  if (enabled && !current.defaultGateway) return gatewayId
-  if (!enabled && current.defaultGateway === gatewayId) {
-    if (gatewayId !== 'mellat' && current.gateways.mellat.enabled) return 'mellat'
-    if (gatewayId !== 'zarinpal' && current.gateways.zarinpal.enabled) {
-      return 'zarinpal'
-    }
-    return null
-  }
-  return current.defaultGateway
-}
-
 export function SettingsPage() {
   const t = useT()
-  const { showToast } = useToast()
-  const [ePayment, setEPayment] = useState<EPaymentSettings>(DEFAULT_EPAYMENT_SETTINGS)
-  const [passwordDraft, setPasswordDraft] = useState('')
-  const [showPassword, setShowPassword] = useState(false)
-  const [isLoading, setIsLoading] = useState(true)
-  const [savingKey, setSavingKey] = useState<string | null>(null)
-  const [error, setError] = useState('')
-
-  useEffect(() => {
-    const controller = new AbortController()
-    void loadSettings(controller.signal)
-    return () => controller.abort()
-  }, [])
-
-  async function loadSettings(signal?: AbortSignal) {
-    setIsLoading(true)
-    setError('')
-
-    try {
-      const data = await getSettings(signal)
-      setEPayment(data.settings.store.ePayment ?? DEFAULT_EPAYMENT_SETTINGS)
-      setPasswordDraft('')
-    } catch (err) {
-      if (err instanceof DOMException && err.name === 'AbortError') return
-      if (err instanceof ApiError) {
-        setError(err.message)
-      } else {
-        setError(t('productSettings.errorLoad'))
-      }
-    } finally {
-      setIsLoading(false)
-    }
-  }
-
-  async function patchEPayment(
-    saving: string,
-    next: EPaymentSettings,
-    password?: string,
-  ) {
-    setSavingKey(saving)
-    setError('')
-
-    try {
-      const payload: EPaymentSettings = {
-        enabled: next.enabled,
-        defaultGateway: next.defaultGateway,
-        gateways: {
-          mellat: {
-            enabled: next.gateways.mellat.enabled,
-            terminalId: next.gateways.mellat.terminalId,
-            username: next.gateways.mellat.username,
-            password: password ?? '',
-          },
-          sep: { enabled: next.gateways.sep.enabled },
-          snappay: { enabled: next.gateways.snappay.enabled },
-          digipay: { enabled: next.gateways.digipay.enabled },
-          zarinpal: {
-            enabled: next.gateways.zarinpal.enabled,
-            merchantId: next.gateways.zarinpal.merchantId.trim(),
-            sandbox: next.gateways.zarinpal.sandbox,
-          },
-        },
-      }
-
-      const data = await updateStoreSettings({ ePayment: payload })
-      setEPayment(data.settings.store.ePayment ?? DEFAULT_EPAYMENT_SETTINGS)
-      if (password) setPasswordDraft('')
-      showToast(t('productSettings.saved'), 'success')
-    } catch (err) {
-      if (err instanceof ApiError) {
-        setError(err.message)
-      } else {
-        setError(t('productSettings.errorSave'))
-      }
-    } finally {
-      setSavingKey(null)
-    }
-  }
-
-  async function handleMasterToggle(checked: boolean) {
-    await patchEPayment('master', {
-      ...ePayment,
-      enabled: checked,
-      defaultGateway: checked
-        ? ePayment.defaultGateway ??
-          (ePayment.gateways.mellat.enabled
-            ? 'mellat'
-            : ePayment.gateways.zarinpal.enabled
-              ? 'zarinpal'
-              : 'mellat')
-        : ePayment.defaultGateway,
-    })
-  }
-
-  async function handleMellatToggle(checked: boolean) {
-    await patchEPayment('mellat-enabled', {
-      ...ePayment,
-      // Turning a gateway on implies online payments are allowed at checkout.
-      enabled: checked ? true : ePayment.enabled,
-      gateways: {
-        ...ePayment.gateways,
-        mellat: { ...ePayment.gateways.mellat, enabled: checked },
-      },
-      defaultGateway: nextDefaultGateway(ePayment, 'mellat', checked),
-    })
-  }
-
-  async function handleZarinpalToggle(checked: boolean) {
-    await patchEPayment('zarinpal-enabled', {
-      ...ePayment,
-      enabled: checked ? true : ePayment.enabled,
-      gateways: {
-        ...ePayment.gateways,
-        zarinpal: { ...ePayment.gateways.zarinpal, enabled: checked },
-      },
-      defaultGateway: nextDefaultGateway(ePayment, 'zarinpal', checked),
-    })
-  }
-
-  async function handleSaveMellatCredentials(event: FormEvent) {
-    event.preventDefault()
-    const terminalId = ePayment.gateways.mellat.terminalId.trim()
-    const username = ePayment.gateways.mellat.username.trim()
-
-    if (ePayment.gateways.mellat.enabled && (!terminalId || !username)) {
-      setError(t('website.ePayment.error.credentials'))
-      return
-    }
-
-    await patchEPayment(
-      'mellat-credentials',
-      {
-        ...ePayment,
-        gateways: {
-          ...ePayment.gateways,
-          mellat: {
-            ...ePayment.gateways.mellat,
-            terminalId,
-            username,
-          },
-        },
-      },
-      passwordDraft.trim() || undefined,
-    )
-  }
-
-  async function handleSaveZarinpalCredentials(event: FormEvent) {
-    event.preventDefault()
-    const merchantId = ePayment.gateways.zarinpal.merchantId.trim()
-
-    if (ePayment.gateways.zarinpal.enabled && !merchantId) {
-      setError(t('website.ePayment.error.zarinpalMerchant'))
-      return
-    }
-
-    await patchEPayment('zarinpal-credentials', {
-      ...ePayment,
-      gateways: {
-        ...ePayment.gateways,
-        zarinpal: {
-          ...ePayment.gateways.zarinpal,
-          merchantId,
-        },
-      },
-    })
-  }
 
   return (
     <main className={pageStyles.content}>
@@ -243,249 +24,9 @@ export function SettingsPage() {
         </div>
       </div>
 
-      {error ? <div className={sharedStyles.alertError}>{error}</div> : null}
-
-      {isLoading ? (
-        <p className={sharedStyles.status}>{t('productSettings.loading')}</p>
-      ) : (
-        <div className={styles.stack}>
-          <section className={sharedStyles.panel}>
-            <h3 className={sharedStyles.sectionTitle}>{t('title.ePayment')}</h3>
-            <div className={sharedStyles.list}>
-              <div className={sharedStyles.row}>
-                <div className={sharedStyles.rowText}>
-                  <label className={sharedStyles.rowLabel} htmlFor="epayment-master">
-                    {t('website.ePayment.master')}
-                  </label>
-                  <p className={sharedStyles.rowDescription}>
-                    {t('website.ePayment.masterDesc')}
-                  </p>
-                </div>
-                <Switch
-                  id="epayment-master"
-                  checked={ePayment.enabled}
-                  disabled={savingKey !== null}
-                  onChange={(checked) => void handleMasterToggle(checked)}
-                />
-              </div>
-              {!ePayment.enabled &&
-              (ePayment.gateways.mellat.enabled || ePayment.gateways.zarinpal.enabled) ? (
-                <p className={styles.masterOffHint} role="status">
-                  {t('website.ePayment.masterOffHint')}
-                </p>
-              ) : null}
-            </div>
-          </section>
-
-          <section className={styles.gatewayCard} data-card-hover>
-            <div className={styles.gatewayHeader}>
-              <div>
-                <h3 className={styles.gatewayTitle}>
-                  {t('website.ePayment.gateway.mellat')}
-                </h3>
-                <p className={styles.gatewayDesc}>
-                  {t('website.ePayment.gateway.mellatDesc')}
-                </p>
-              </div>
-              <Switch
-                id="epayment-mellat"
-                checked={ePayment.gateways.mellat.enabled}
-                disabled={savingKey !== null}
-                onChange={(checked) => void handleMellatToggle(checked)}
-              />
-            </div>
-
-            <form
-              className={`${styles.credentials} ${
-                !ePayment.gateways.mellat.enabled ? styles.credentialsDisabled : ''
-              }`}
-              onSubmit={handleSaveMellatCredentials}
-              aria-disabled={!ePayment.gateways.mellat.enabled}
-            >
-              <div className={`${fieldStyles.field} ${styles.field}`}>
-                <label htmlFor="mellat-terminal">
-                  {t('website.ePayment.terminalId')}
-                </label>
-                <input
-                  id="mellat-terminal"
-                  type="text"
-                  inputMode="numeric"
-                  autoComplete="off"
-                  dir="ltr"
-                  value={ePayment.gateways.mellat.terminalId}
-                  disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
-                  onChange={(e) =>
-                    setEPayment((current) => ({
-                      ...current,
-                      gateways: {
-                        ...current.gateways,
-                        mellat: {
-                          ...current.gateways.mellat,
-                          terminalId: e.target.value,
-                        },
-                      },
-                    }))
-                  }
-                />
-              </div>
-
-              <div className={`${fieldStyles.field} ${styles.field}`}>
-                <label htmlFor="mellat-username">
-                  {t('website.ePayment.username')}
-                </label>
-                <input
-                  id="mellat-username"
-                  type="text"
-                  autoComplete="off"
-                  dir="ltr"
-                  value={ePayment.gateways.mellat.username}
-                  disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
-                  onChange={(e) =>
-                    setEPayment((current) => ({
-                      ...current,
-                      gateways: {
-                        ...current.gateways,
-                        mellat: {
-                          ...current.gateways.mellat,
-                          username: e.target.value,
-                        },
-                      },
-                    }))
-                  }
-                />
-              </div>
-
-              <div className={`${fieldStyles.field} ${styles.field}`}>
-                <label htmlFor="mellat-password">
-                  {t('website.ePayment.password')}
-                </label>
-                <div className={styles.passwordWrap}>
-                  <input
-                    id="mellat-password"
-                    type={showPassword ? 'text' : 'password'}
-                    autoComplete="new-password"
-                    dir="ltr"
-                    placeholder={t('website.ePayment.passwordPlaceholderSet')}
-                    value={passwordDraft}
-                    disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
-                    onChange={(e) => setPasswordDraft(e.target.value)}
-                  />
-                  <Tooltip
-                    label={
-                      showPassword
-                        ? t('website.ePayment.hidePassword')
-                        : t('website.ePayment.showPassword')
-                    }
-                  >
-                    <button
-                      type="button"
-                      className={styles.passwordToggle}
-                      onClick={() => setShowPassword((v) => !v)}
-                      disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
-                      aria-label={
-                        showPassword
-                          ? t('website.ePayment.hidePassword')
-                          : t('website.ePayment.showPassword')
-                      }
-                    >
-                      {showPassword ? <EyeOff size={16} /> : <Eye size={16} />}
-                    </button>
-                  </Tooltip>
-                </div>
-              </div>
-
-              <div className={styles.actionsInline}>
-                <button
-                  type="submit"
-                  className={styles.saveBtn}
-                  disabled={savingKey !== null || !ePayment.gateways.mellat.enabled}
-                >
-                  {savingKey === 'mellat-credentials'
-                    ? t('storeSettings.saving')
-                    : t('website.ePayment.saveCredentials')}
-                </button>
-              </div>
-            </form>
-          </section>
-
-          <section className={styles.gatewayCard} data-card-hover>
-            <div className={styles.gatewayHeader}>
-              <div>
-                <h3 className={styles.gatewayTitle}>
-                  {t('website.ePayment.gateway.zarinpal')}
-                </h3>
-                <p className={styles.gatewayDesc}>
-                  {t('website.ePayment.gateway.zarinpalDesc')}
-                </p>
-              </div>
-              <Switch
-                id="epayment-zarinpal"
-                checked={ePayment.gateways.zarinpal.enabled}
-                disabled={savingKey !== null}
-                onChange={(checked) => void handleZarinpalToggle(checked)}
-              />
-            </div>
-
-            <form
-              className={`${styles.credentialsInline} ${
-                !ePayment.gateways.zarinpal.enabled ? styles.credentialsDisabled : ''
-              }`}
-              onSubmit={handleSaveZarinpalCredentials}
-              aria-disabled={!ePayment.gateways.zarinpal.enabled}
-            >
-              <label className={styles.inlineLabel} htmlFor="zarinpal-merchant">
-                {t('website.ePayment.merchantId')}
-              </label>
-              <input
-                id="zarinpal-merchant"
-                className={styles.inlineInput}
-                type="text"
-                autoComplete="off"
-                dir="ltr"
-                spellCheck={false}
-                placeholder={t('website.ePayment.merchantIdPlaceholder')}
-                value={ePayment.gateways.zarinpal.merchantId}
-                disabled={savingKey !== null || !ePayment.gateways.zarinpal.enabled}
-                onChange={(e) =>
-                  setEPayment((current) => ({
-                    ...current,
-                    gateways: {
-                      ...current.gateways,
-                      zarinpal: {
-                        ...current.gateways.zarinpal,
-                        merchantId: e.target.value,
-                      },
-                    },
-                  }))
-                }
-              />
-              <button
-                type="submit"
-                className={styles.saveBtn}
-                disabled={savingKey !== null || !ePayment.gateways.zarinpal.enabled}
-              >
-                {savingKey === 'zarinpal-credentials'
-                  ? t('storeSettings.saving')
-                  : t('website.ePayment.saveCredentials')}
-              </button>
-            </form>
-          </section>
-
-          <div className={styles.comingSoonGrid}>
-            {COMING_SOON_GATEWAYS.map((gateway) => (
-              <section key={gateway.id} className={styles.comingSoonCard}>
-                <div className={styles.gatewayHeader}>
-                  <div>
-                    <h3 className={styles.gatewayTitle}>{t(gateway.nameKey)}</h3>
-                    <p className={styles.gatewayDesc}>{t(gateway.descKey)}</p>
-                  </div>
-                  <span className={styles.badge}>{t('website.ePayment.comingSoon')}</span>
-                </div>
-              </section>
-            ))}
-          </div>
-        </div>
-      )}
+      <div className={styles.stack}>
+        <SmsSettingsSection />
+      </div>
     </main>
   )
 }
diff --git a/apps/business/src/pages/WebsiteSettingsPage.module.css b/apps/business/src/pages/WebsiteSettingsPage.module.css
index 41ed023..474f297 100644
--- a/apps/business/src/pages/WebsiteSettingsPage.module.css
+++ b/apps/business/src/pages/WebsiteSettingsPage.module.css
@@ -98,6 +98,10 @@
   text-decoration: underline;
 }
 
+.ePaymentBlock {
+  margin-top: 24px;
+}
+
 @media (max-width: 768px) {
   .field,
   .sitemapActions {
diff --git a/apps/business/src/pages/WebsiteSettingsPage.tsx b/apps/business/src/pages/WebsiteSettingsPage.tsx
index 006eadf..b00b7ef 100644
--- a/apps/business/src/pages/WebsiteSettingsPage.tsx
+++ b/apps/business/src/pages/WebsiteSettingsPage.tsx
@@ -14,8 +14,10 @@ import {
 } from '../services/settingsService'
 import { syncWebsiteSitemapConfig } from '../services/websiteSitemapService'
 import { hasBusinessModule, type BusinessModuleId } from '../utils/businessModules'
+import { EPaymentSettingsSection } from '../components/EPaymentSettingsSection'
 import pageStyles from '../components/PageContent.module.css'
 import sharedStyles from './ProductSettingsPage.module.css'
+import settingsStyles from './SettingsPage.module.css'
 import styles from './WebsiteSettingsPage.module.css'
 
 const SOURCE_OPTIONS: SpecialProductsSource[] = ['store_item', 'product']
@@ -216,6 +218,10 @@ export function WebsiteSettingsPage() {
           </div>
         )}
       </section>
+
+      <div className={`${styles.ePaymentBlock} ${settingsStyles.stack}`}>
+        <EPaymentSettingsSection />
+      </div>
     </main>
   )
 }
diff --git a/apps/business/src/services/customerService.ts b/apps/business/src/services/customerService.ts
index 48fb4ae..50ec393 100644
--- a/apps/business/src/services/customerService.ts
+++ b/apps/business/src/services/customerService.ts
@@ -193,22 +193,34 @@ export interface SendCustomersBulkSmsResult {
   source?: string
 }
 
-export async function sendCustomerSms(userId: string, message: string) {
+export async function sendCustomerSms(
+  userId: string,
+  message: string,
+  templateId?: string | null,
+) {
   return apiRequest<SendCustomerSmsResult>(businessPath(`/${userId}/sms`), {
     method: 'POST',
     auth: true,
-    body: { message },
+    body: {
+      message,
+      ...(templateId ? { templateId } : {}),
+    },
   })
 }
 
 /** Bulk SMS via Gama SendBulk. Omit userIds (or pass []) to send to all enabled customers. */
-export async function sendCustomersBulkSms(message: string, userIds?: string[]) {
+export async function sendCustomersBulkSms(
+  message: string,
+  userIds?: string[],
+  templateId?: string | null,
+) {
   return apiRequest<SendCustomersBulkSmsResult>(businessPath('/sms'), {
     method: 'POST',
     auth: true,
     body: {
       message,
       ...(userIds && userIds.length > 0 ? { userIds } : {}),
+      ...(templateId ? { templateId } : {}),
     },
   })
 }
diff --git a/apps/business/src/services/settingsService.ts b/apps/business/src/services/settingsService.ts
index dedab51..2142855 100644
--- a/apps/business/src/services/settingsService.ts
+++ b/apps/business/src/services/settingsService.ts
@@ -107,12 +107,17 @@ export interface WebsiteSettings {
   sitemapConfig?: WebsiteSitemapConfig | null
 }
 
+export interface SmsSettings {
+  senderNumber: string | null
+}
+
 export interface BusinessSettings {
   branding: BrandingSettings
   dashboard: DashboardSettings
   store: StoreSettings
   modules?: ModulesSettings
   website?: WebsiteSettings
+  sms?: SmsSettings
 }
 
 export interface SettingsResponse {
diff --git a/apps/business/src/services/smsTemplateService.ts b/apps/business/src/services/smsTemplateService.ts
new file mode 100644
index 0000000..3d89b16
--- /dev/null
+++ b/apps/business/src/services/smsTemplateService.ts
@@ -0,0 +1,75 @@
+import { apiRequest } from '../lib/api'
+import { getActiveBusinessId } from '../lib/businessContext'
+
+export type SmsTemplateVerificationStatus = 'free' | 'pending' | 'verified'
+
+export interface SmsTemplate {
+  id: string
+  businessId: string
+  name: string
+  body: string
+  verificationStatus: SmsTemplateVerificationStatus
+  isVerified: boolean
+  verifiedAt: string | null
+  verifiedBy: string | null
+  createdAt: string
+  updatedAt: string
+}
+
+function smsPath(suffix = '') {
+  const businessId = getActiveBusinessId()
+  if (!businessId) {
+    throw new Error('No active business selected. Please sign in again.')
+  }
+  return `/businesses/${businessId}/sms${suffix}`
+}
+
+export async function listSmsTemplates(signal?: AbortSignal) {
+  return apiRequest<{ items: SmsTemplate[]; variables: string[] }>(
+    smsPath('/templates'),
+    { auth: true, signal },
+  )
+}
+
+export async function createSmsTemplate(payload: { name: string; body: string }) {
+  return apiRequest<{ template: SmsTemplate }>(smsPath('/templates'), {
+    method: 'POST',
+    auth: true,
+    body: payload,
+  })
+}
+
+export async function updateSmsTemplate(
+  templateId: string,
+  payload: { name?: string; body?: string },
+) {
+  return apiRequest<{ template: SmsTemplate }>(smsPath(`/templates/${templateId}`), {
+    method: 'PATCH',
+    auth: true,
+    body: payload,
+  })
+}
+
+export async function requestSmsTemplateVerification(templateId: string) {
+  return apiRequest<{ template: SmsTemplate }>(
+    smsPath(`/templates/${templateId}/request-verification`),
+    { method: 'POST', auth: true },
+  )
+}
+
+export async function deleteSmsTemplate(templateId: string) {
+  return apiRequest<{ success: boolean }>(smsPath(`/templates/${templateId}`), {
+    method: 'DELETE',
+    auth: true,
+  })
+}
+
+export async function getSmsCredit(signal?: AbortSignal) {
+  return apiRequest<{
+    balance: number
+    /** @deprecated use balance */
+    credit: number | null
+    currency: string | null
+    message: string | null
+  }>(smsPath('/credit'), { auth: true, signal })
+}
diff --git a/apps/super-admin/src/App.tsx b/apps/super-admin/src/App.tsx
index 746bb61..02bf0f7 100644
--- a/apps/super-admin/src/App.tsx
+++ b/apps/super-admin/src/App.tsx
@@ -17,6 +17,7 @@ import { IssueInvoicePage } from './pages/IssueInvoicePage'
 import { PublicInvoicePage } from './pages/PublicInvoicePage'
 import { ProfilePage } from './pages/ProfilePage'
 import { TemplatesPage } from './pages/TemplatesPage'
+import { SmsTemplatesPage } from './pages/SmsTemplatesPage'
 import { LoginPage } from './pages/LoginPage'
 
 function ProtectedPages() {
@@ -61,6 +62,7 @@ function App() {
                     <Route path="users" element={<UsersPage />} />
                     <Route path="websites" element={<WebsitesPage />} />
                     <Route path="templates" element={<TemplatesPage />} />
+                    <Route path="sms-templates" element={<SmsTemplatesPage />} />
                     <Route path="settings" element={<SettingsPage />} />
                     <Route
                       path="settings/invoice-templates/new"
diff --git a/apps/super-admin/src/components/BusinessActionsOverflowMenu.tsx b/apps/super-admin/src/components/BusinessActionsOverflowMenu.tsx
index 0b1499a..9dc2833 100644
--- a/apps/super-admin/src/components/BusinessActionsOverflowMenu.tsx
+++ b/apps/super-admin/src/components/BusinessActionsOverflowMenu.tsx
@@ -6,6 +6,7 @@ import {
   ExternalLink,
   FileText,
   Globe,
+  MessageSquareText,
   MoreHorizontal,
   Trash2,
   UserRound,
@@ -24,6 +25,7 @@ interface BusinessActionsOverflowMenuProps {
   /** Primary apex domain host when set — enables website / dashboard links. */
   host?: string | null
   onAiPrompts: () => void
+  onSmsSettings: () => void
   onAllUsers: () => void
   onWipeData: () => void
   onRemove: () => void
@@ -49,6 +51,7 @@ export function BusinessActionsOverflowMenu({
   businessName,
   host,
   onAiPrompts,
+  onSmsSettings,
   onAllUsers,
   onWipeData,
   onRemove,
@@ -92,7 +95,7 @@ export function BusinessActionsOverflowMenu({
 
     const size = popoverRef.current
       ? { width: popoverRef.current.offsetWidth, height: popoverRef.current.offsetHeight }
-      : { width: 220, height: linkItems.length ? 280 : 160 }
+      : { width: 220, height: linkItems.length ? 320 : 200 }
 
     setPopoverPos(fitFixedPopover(rect, size, 'end'))
   }
@@ -209,6 +212,18 @@ export function BusinessActionsOverflowMenu({
               <FileText size={16} />
               <span>AI prompts</span>
             </button>
+            <button
+              type="button"
+              className={styles.item}
+              role="menuitem"
+              onClick={() => {
+                setOpen(false)
+                onSmsSettings()
+              }}
+            >
+              <MessageSquareText size={16} />
+              <span>SMS settings</span>
+            </button>
             <button
               type="button"
               className={styles.item}
diff --git a/apps/super-admin/src/components/Sidebar.tsx b/apps/super-admin/src/components/Sidebar.tsx
index 2ebd30c..e485393 100644
--- a/apps/super-admin/src/components/Sidebar.tsx
+++ b/apps/super-admin/src/components/Sidebar.tsx
@@ -1,5 +1,5 @@
 import { NavLink, useNavigate } from 'react-router-dom'
-import { Home, Building2, Users, Globe, FileText, Settings, HelpCircle, LogOut } from 'lucide-react'
+import { Home, Building2, Users, Globe, FileText, MessageSquareText, Settings, HelpCircle, LogOut } from 'lucide-react'
 import { useAuth } from '../context/AuthContext'
 import meshkeeLogo from '../assets/meshkee-logo.png'
 import styles from './Sidebar.module.css'
@@ -10,6 +10,7 @@ const navItems = [
   { icon: Users, label: 'Users', to: '/users' },
   { icon: Globe, label: 'Websites', to: '/websites' },
   { icon: FileText, label: 'Templates', to: '/templates' },
+  { icon: MessageSquareText, label: 'SMS Templates', to: '/sms-templates' },
   { icon: Settings, label: 'Settings', to: '/settings' },
 ]
 
diff --git a/apps/super-admin/src/pages/BusinessesPage.module.css b/apps/super-admin/src/pages/BusinessesPage.module.css
index 8f0ccf7..97d2ef3 100644
--- a/apps/super-admin/src/pages/BusinessesPage.module.css
+++ b/apps/super-admin/src/pages/BusinessesPage.module.css
@@ -13,8 +13,8 @@
 }
 
 .filtersGrid {
-  display: grid;
-  grid-template-columns: repeat(12, 1fr);
+  display: flex;
+  flex-wrap: wrap;
   gap: 10px 12px;
   align-items: end;
   margin: 0;
@@ -23,19 +23,26 @@
 }
 
 .filtersInputs {
-  grid-column: span 10;
-  display: grid;
-  grid-template-columns: repeat(12, 1fr);
+  display: flex;
+  flex: 1;
+  flex-wrap: wrap;
   gap: 10px 12px;
+  min-width: 0;
+}
+
+/* Equal width fields; same 12px gap as field→action buttons */
+.filtersInputs > .field {
+  flex: 1 1 160px;
+  min-width: 0;
 }
 
 .filterActions {
-  grid-column: span 2;
   display: flex;
   flex-direction: row;
   gap: 8px;
   align-items: center;
   justify-content: flex-end;
+  flex-shrink: 0;
 }
 
 .field {
@@ -1028,13 +1035,8 @@
 }
 
 @media (max-width: 1100px) {
-  .filtersInputs {
-    grid-column: span 12;
-  }
-
   .filterActions {
-    grid-column: span 12;
-    justify-content: flex-end;
+    margin-inline-start: auto;
   }
 
   .fieldCol3 {
@@ -1044,7 +1046,16 @@
 
 @media (max-width: 768px) {
   .filtersInputs {
-    grid-template-columns: 1fr;
+    flex-basis: 100%;
+  }
+
+  .filtersInputs > .field {
+    flex-basis: 100%;
+  }
+
+  .filterActions {
+    width: 100%;
+    justify-content: flex-end;
   }
 
   .fieldCol3 {
diff --git a/apps/super-admin/src/pages/BusinessesPage.tsx b/apps/super-admin/src/pages/BusinessesPage.tsx
index 62bc371..1ca4a51 100644
--- a/apps/super-admin/src/pages/BusinessesPage.tsx
+++ b/apps/super-admin/src/pages/BusinessesPage.tsx
@@ -339,10 +339,16 @@ export function BusinessesPage() {
   const [editNameFa, setEditNameFa] = useState('')
   const [editAbout, setEditAbout] = useState('')
   const [editAnnualRenewalAt, setEditAnnualRenewalAt] = useState('')
-  const [editSmsSenderNumber, setEditSmsSenderNumber] = useState('')
   const [editSubmitting, setEditSubmitting] = useState(false)
   const [editError, setEditError] = useState('')
 
+  const [smsSettingsOpen, setSmsSettingsOpen] = useState(false)
+  const [smsSettingsBusiness, setSmsSettingsBusiness] = useState<BusinessListItem | null>(null)
+  const [smsSenderNumber, setSmsSenderNumber] = useState('')
+  const [smsBalance, setSmsBalance] = useState('0')
+  const [smsSettingsSubmitting, setSmsSettingsSubmitting] = useState(false)
+  const [smsSettingsError, setSmsSettingsError] = useState('')
+
   const [domainOpen, setDomainOpen] = useState(false)
   const [domainBusiness, setDomainBusiness] = useState<BusinessListItem | null>(null)
   const [domainId, setDomainId] = useState<number | null>(null)
@@ -521,11 +527,18 @@ export function BusinessesPage() {
     setEditAnnualRenewalAt(
       toDateInputValue(b.annualRenewalAt || b.createdAt),
     )
-    setEditSmsSenderNumber(b.smsSenderNumber ?? '')
     setEditError('')
     setEditOpen(true)
   }
 
+  function openSmsSettings(b: BusinessListItem) {
+    setSmsSettingsBusiness(b)
+    setSmsSenderNumber(b.smsSenderNumber ?? '')
+    setSmsBalance(String(b.smsBalance ?? 0))
+    setSmsSettingsError('')
+    setSmsSettingsOpen(true)
+  }
+
   async function openAiPrompts(b: BusinessListItem) {
     setPromptsBusiness(b)
     setPromptsOpen(true)
@@ -864,14 +877,12 @@ export function BusinessesPage() {
       : editBusiness.createdAt
         ? new Date(editBusiness.createdAt).toISOString()
         : null
-    const smsSenderNumber = editSmsSenderNumber.replace(/\D/g, '')
     try {
       await updateBusiness(editBusiness.id, {
         name,
         nameFa,
         about: editAbout.trim(),
         annualRenewalAt,
-        smsSenderNumber: smsSenderNumber || null,
       })
       setData((prev) => {
         if (!prev) return prev
@@ -885,7 +896,6 @@ export function BusinessesPage() {
                   nameFa,
                   about: editAbout.trim() || null,
                   annualRenewalAt,
-                  smsSenderNumber: smsSenderNumber || null,
                 }
               : item,
           ),
@@ -903,6 +913,50 @@ export function BusinessesPage() {
     }
   }
 
+  async function submitSmsSettings() {
+    if (!smsSettingsBusiness) return
+
+    const sender = smsSenderNumber.replace(/\D/g, '')
+    const balanceParsed = Number.parseInt(smsBalance.replace(/\D/g, '') || '0', 10)
+    if (!Number.isFinite(balanceParsed) || balanceParsed < 0) {
+      setSmsSettingsError('SMS balance must be a non-negative integer.')
+      return
+    }
+
+    setSmsSettingsSubmitting(true)
+    setSmsSettingsError('')
+    try {
+      await updateBusiness(smsSettingsBusiness.id, {
+        smsSenderNumber: sender || null,
+        smsBalance: balanceParsed,
+      })
+      setData((prev) => {
+        if (!prev) return prev
+        return {
+          ...prev,
+          items: prev.items.map((item) =>
+            item.id === smsSettingsBusiness.id
+              ? {
+                  ...item,
+                  smsSenderNumber: sender || null,
+                  smsBalance: balanceParsed,
+                }
+              : item,
+          ),
+        }
+      })
+      setSmsSettingsOpen(false)
+      setSmsSettingsBusiness(null)
+      showToast('SMS settings saved.', 'success')
+    } catch (err) {
+      setSmsSettingsError(
+        err instanceof ApiError ? err.message : 'Unable to save SMS settings.',
+      )
+    } finally {
+      setSmsSettingsSubmitting(false)
+    }
+  }
+
   async function restartRenewalCountdown(b: BusinessListItem) {
     const contractAt = b.annualRenewalAt || b.createdAt
     const annualRenewalAt = addOneYearToDueIso(contractAt)
@@ -1406,7 +1460,7 @@ export function BusinessesPage() {
 
         <form className={styles.filtersGrid} onSubmit={(e) => { e.preventDefault(); applyFilters() }}>
           <div className={styles.filtersInputs}>
-            <div className={`${styles.field} ${styles.fieldCol3}`}>
+            <div className={styles.field}>
               <label htmlFor="filter-name">Name</label>
               <input
                 id="filter-name"
@@ -1416,7 +1470,7 @@ export function BusinessesPage() {
               />
             </div>
 
-            <div className={`${styles.field} ${styles.fieldCol3}`}>
+            <div className={styles.field}>
               <label htmlFor="filter-domain">Domain</label>
               <input
                 id="filter-domain"
@@ -1426,7 +1480,7 @@ export function BusinessesPage() {
               />
             </div>
 
-            <div className={`${styles.field} ${styles.fieldCol3}`}>
+            <div className={styles.field}>
               <label htmlFor="filter-category">Category</label>
               <input
                 id="filter-category"
@@ -1708,6 +1762,7 @@ export function BusinessesPage() {
                             businessName={b.name}
                             host={b.domain}
                             onAiPrompts={() => void openAiPrompts(b)}
+                            onSmsSettings={() => openSmsSettings(b)}
                             onAllUsers={() => goToBusinessUsers(b, 'all')}
                             onWipeData={() => openPurge(b)}
                             onRemove={() => setRemoveTarget(b)}
@@ -1966,22 +2021,6 @@ export function BusinessesPage() {
             placeholder="Select renewal date"
           />
         </div>
-        <div className={styles.field}>
-          <label htmlFor="edit-sms-sender">SMS sender number</label>
-          <input
-            id="edit-sms-sender"
-            inputMode="numeric"
-            value={editSmsSenderNumber}
-            onChange={(e) => setEditSmsSenderNumber(e.target.value.replace(/\D/g, '').slice(0, 16))}
-            placeholder="e.g. 5000123456 (empty = 5000990009)"
-            disabled={editSubmitting}
-            autoComplete="off"
-          />
-          <p className={styles.helperText}>
-            Used for customer SMS from this business. Leave empty to use Meshkee advertising line
-            5000990009.
-          </p>
-        </div>
         <div className={styles.field}>
           <label htmlFor="edit-about">About business</label>
           <textarea
@@ -2013,6 +2052,82 @@ export function BusinessesPage() {
         </div>
       </Modal>
 
+      <Modal
+        open={smsSettingsOpen}
+        title={
+          smsSettingsBusiness
+            ? `SMS settings · ${smsSettingsBusiness.name}`
+            : 'SMS settings'
+        }
+        onClose={() => {
+          if (smsSettingsSubmitting) return
+          setSmsSettingsOpen(false)
+          setSmsSettingsBusiness(null)
+          setSmsSettingsError('')
+        }}
+      >
+        {smsSettingsError ? (
+          <p className={styles.alertError} role="alert">
+            {smsSettingsError}
+          </p>
+        ) : null}
+        <div className={styles.field}>
+          <label htmlFor="sms-settings-sender">SMS sender number</label>
+          <input
+            id="sms-settings-sender"
+            inputMode="numeric"
+            value={smsSenderNumber}
+            onChange={(e) => setSmsSenderNumber(e.target.value.replace(/\D/g, '').slice(0, 16))}
+            placeholder="e.g. 5000123456 (empty = 9000590009)"
+            disabled={smsSettingsSubmitting}
+            autoComplete="off"
+          />
+          <p className={styles.helperText}>
+            Used for free-text customer SMS. Leave empty for Meshkee advertising line
+            9000590009. Verified templates always use 5000110005.
+          </p>
+        </div>
+        <div className={styles.field}>
+          <label htmlFor="sms-settings-balance">SMS balance (IRT)</label>
+          <input
+            id="sms-settings-balance"
+            inputMode="numeric"
+            value={smsBalance}
+            onChange={(e) => setSmsBalance(e.target.value.replace(/\D/g, '').slice(0, 12))}
+            placeholder="0"
+            disabled={smsSettingsSubmitting}
+            autoComplete="off"
+          />
+          <p className={styles.helperText}>
+            Prepaid SMS balance in IRT. Billing: 400 IRT per 64 characters per recipient
+            (OTP, customer SMS, partner SMS). New businesses start with 500,000 IRT. Values
+            below 200,000 IRT show as low balance in the business dashboard.
+          </p>
+        </div>
+        <div style={{ height: 12 }} />
+        <div className={styles.actionsRow}>
+          <button
+            type="button"
+            className={`${styles.btn} ${styles.btnGhost}`}
+            onClick={() => {
+              setSmsSettingsOpen(false)
+              setSmsSettingsBusiness(null)
+            }}
+            disabled={smsSettingsSubmitting}
+          >
+            Cancel
+          </button>
+          <button
+            type="button"
+            className={`${styles.btn} ${styles.btnPrimary}`}
+            onClick={() => void submitSmsSettings()}
+            disabled={smsSettingsSubmitting}
+          >
+            Save
+          </button>
+        </div>
+      </Modal>
+
       <Modal
         open={domainOpen}
         title={domainId ? 'Edit domain' : 'Add domain'}
@@ -2491,6 +2606,10 @@ export function BusinessesPage() {
             {createError}
           </p>
         ) : null}
+        <p className={styles.helperText} style={{ marginTop: 0, marginBottom: 12 }}>
+          New businesses receive an initial SMS balance of 500,000 IRT (400 IRT per 64 characters
+          per recipient).
+        </p>
         <div className={styles.formGrid}>
           <div className={styles.field}>
             <label htmlFor="create-name-en">Name (EN)</label>
diff --git a/apps/super-admin/src/pages/HomePage.tsx b/apps/super-admin/src/pages/HomePage.tsx
index 9f2e71b..3ac10ac 100644
--- a/apps/super-admin/src/pages/HomePage.tsx
+++ b/apps/super-admin/src/pages/HomePage.tsx
@@ -1,4 +1,4 @@
-import { CalendarDays, Building2, Users, Globe, Settings } from 'lucide-react'
+import { CalendarDays, Building2, Users, Globe, MessageSquareText, Settings } from 'lucide-react'
 import { useAuth } from '../context/AuthContext'
 import { SectionCard } from '../components/SectionCard'
 import styles from '../components/PageContent.module.css'
@@ -25,6 +25,13 @@ const sections = [
     linkText: 'View websites',
     href: '/websites',
   },
+  {
+    icon: MessageSquareText,
+    title: 'SMS Templates',
+    description: 'Verify business SMS templates for the Meshkee service shortcode.',
+    linkText: 'Review templates',
+    href: '/sms-templates',
+  },
   {
     icon: Settings,
     title: 'Settings',
diff --git a/apps/super-admin/src/pages/SmsTemplatesPage.tsx b/apps/super-admin/src/pages/SmsTemplatesPage.tsx
new file mode 100644
index 0000000..8d958a7
--- /dev/null
+++ b/apps/super-admin/src/pages/SmsTemplatesPage.tsx
@@ -0,0 +1,441 @@
+import { useEffect, useMemo, useState } from 'react'
+import { CheckCircle2, Pencil, RotateCcw, Search, XCircle } from 'lucide-react'
+import { EmptyTableRow } from '../components/EmptyState'
+import { Modal } from '../components/Modal'
+import { useToast } from '../context/ToastContext'
+import { ApiError, isAbortError } from '../lib/api'
+import {
+  listAllSmsTemplates,
+  unverifySmsTemplate,
+  updateSmsTemplateAsAdmin,
+  verifySmsTemplate,
+  type SmsTemplateAdminItem,
+  type SmsTemplateVerificationStatus,
+} from '../services/smsTemplateService'
+import pageStyles from '../components/PageContent.module.css'
+import tableStyles from './BusinessesPage.module.css'
+import styles from './TemplatesPage.module.css'
+
+type StatusFilter = 'all' | 'pending' | 'verified'
+
+function templateStatus(item: SmsTemplateAdminItem): SmsTemplateVerificationStatus {
+  if (
+    item.verificationStatus === 'pending' ||
+    item.verificationStatus === 'verified' ||
+    item.verificationStatus === 'free'
+  ) {
+    return item.verificationStatus
+  }
+  return item.isVerified ? 'verified' : 'free'
+}
+
+export function SmsTemplatesPage() {
+  const { showToast } = useToast()
+  const [items, setItems] = useState<SmsTemplateAdminItem[]>([])
+  const [loading, setLoading] = useState(false)
+  const [error, setError] = useState('')
+  const [draftName, setDraftName] = useState('')
+  const [draftBusiness, setDraftBusiness] = useState('')
+  const [draftStatus, setDraftStatus] = useState<StatusFilter>('all')
+  const [appliedFilters, setAppliedFilters] = useState({
+    name: '',
+    business: '',
+    status: 'all' as StatusFilter,
+  })
+  const [busyId, setBusyId] = useState<string | null>(null)
+
+  const [editorOpen, setEditorOpen] = useState(false)
+  const [editing, setEditing] = useState<SmsTemplateAdminItem | null>(null)
+  const [draftNameEdit, setDraftNameEdit] = useState('')
+  const [draftBody, setDraftBody] = useState('')
+  const [submitting, setSubmitting] = useState(false)
+  const [formError, setFormError] = useState('')
+
+  async function reload(signal?: AbortSignal) {
+    setLoading(true)
+    setError('')
+    try {
+      const res = await listAllSmsTemplates({ status: 'all', signal })
+      setItems(res.items)
+    } catch (err) {
+      if (isAbortError(err)) return
+      setError(err instanceof ApiError ? err.message : 'Unable to load SMS templates.')
+    } finally {
+      setLoading(false)
+    }
+  }
+
+  useEffect(() => {
+    const controller = new AbortController()
+    void reload(controller.signal)
+    return () => controller.abort()
+  }, [])
+
+  const variablesHint = useMemo(
+    () => '{{user.name}} · {{user.lastname}} · {{user.title}}',
+    [],
+  )
+
+  const filteredItems = useMemo(() => {
+    const nameQ = appliedFilters.name.trim().toLowerCase()
+    const businessQ = appliedFilters.business.trim().toLowerCase()
+    return items.filter((item) => {
+      const status = templateStatus(item)
+      if (appliedFilters.status === 'pending' && status !== 'pending') return false
+      if (appliedFilters.status === 'verified' && status !== 'verified') return false
+      if (nameQ && !item.name.toLowerCase().includes(nameQ)) return false
+      if (businessQ) {
+        const hay = `${item.business.name} ${item.business.slug}`.toLowerCase()
+        if (!hay.includes(businessQ)) return false
+      }
+      return true
+    })
+  }, [items, appliedFilters])
+
+  function applyFilters() {
+    setAppliedFilters({
+      name: draftName,
+      business: draftBusiness,
+      status: draftStatus,
+    })
+  }
+
+  function clearFilters() {
+    setDraftName('')
+    setDraftBusiness('')
+    setDraftStatus('all')
+    setAppliedFilters({ name: '', business: '', status: 'all' })
+  }
+
+  function applyTemplateUpdate(template: SmsTemplateAdminItem) {
+    setItems((prev) => {
+      const status = templateStatus(template)
+      // Free templates leave the super-admin queue after unverify / edit-clear.
+      if (status === 'free') {
+        return prev.filter((row) => row.id !== template.id)
+      }
+      const exists = prev.some((row) => row.id === template.id)
+      if (!exists) return [template, ...prev]
+      return prev.map((row) => (row.id === template.id ? template : row))
+    })
+  }
+
+  function openEdit(item: SmsTemplateAdminItem) {
+    setEditing(item)
+    setDraftNameEdit(item.name)
+    setDraftBody(item.body)
+    setFormError('')
+    setEditorOpen(true)
+  }
+
+  async function handleSave() {
+    if (!editing) return
+    const name = draftNameEdit.trim()
+    const body = draftBody.trim()
+    if (!name) {
+      setFormError('Name is required.')
+      return
+    }
+    if (!body) {
+      setFormError('Message body is required.')
+      return
+    }
+
+    setSubmitting(true)
+    setFormError('')
+    try {
+      const wasVerified = templateStatus(editing) === 'verified'
+      const res = await updateSmsTemplateAsAdmin(editing.id, { name, body })
+      applyTemplateUpdate(res.template)
+      setEditorOpen(false)
+      showToast(
+        wasVerified && templateStatus(res.template) !== 'verified'
+          ? 'Template updated and removed from this list (back to free). Business can resubmit.'
+          : 'Template updated.',
+        'success',
+      )
+    } catch (err) {
+      setFormError(err instanceof ApiError ? err.message : 'Unable to save template.')
+    } finally {
+      setSubmitting(false)
+    }
+  }
+
+  async function handleVerify(item: SmsTemplateAdminItem) {
+    setBusyId(item.id)
+    try {
+      const res = await verifySmsTemplate(item.id)
+      showToast('Template verified — sends on 5000110005.', 'success')
+      applyTemplateUpdate(res.template)
+    } catch (err) {
+      showToast(err instanceof ApiError ? err.message : 'Unable to verify.', 'error')
+    } finally {
+      setBusyId(null)
+    }
+  }
+
+  async function handleUnverify(item: SmsTemplateAdminItem) {
+    setBusyId(item.id)
+    try {
+      const res = await unverifySmsTemplate(item.id)
+      showToast('Verification removed — template is free again.', 'success')
+      applyTemplateUpdate(res.template)
+    } catch (err) {
+      showToast(err instanceof ApiError ? err.message : 'Unable to unverify.', 'error')
+    } finally {
+      setBusyId(null)
+    }
+  }
+
+  return (
+    <main className={pageStyles.content}>
+      <div className={pageStyles.pageHeader}>
+        <div>
+          <h2 className={pageStyles.pageTitle}>SMS Templates</h2>
+          <p className={pageStyles.pageSubtitle}>
+            Review templates submitted for verification. Verified → 5000110005. Pending /
+            free → 9000590009. Variables: {variablesHint}
+          </p>
+        </div>
+      </div>
+
+      {error ? <p className={styles.alertError}>{error}</p> : null}
+
+      <div className={tableStyles.filtersPanel}>
+        <div className={tableStyles.filtersTitle}>Filters</div>
+        <form
+          className={tableStyles.filtersGrid}
+          onSubmit={(e) => {
+            e.preventDefault()
+            applyFilters()
+          }}
+        >
+          <div className={tableStyles.filtersInputs}>
+            <div className={tableStyles.field}>
+              <label htmlFor="sms-template-name">Name</label>
+              <input
+                id="sms-template-name"
+                value={draftName}
+                onChange={(e) => setDraftName(e.target.value)}
+                placeholder="Search by name"
+                disabled={loading}
+              />
+            </div>
+            <div className={tableStyles.field}>
+              <label htmlFor="sms-template-business">Business</label>
+              <input
+                id="sms-template-business"
+                value={draftBusiness}
+                onChange={(e) => setDraftBusiness(e.target.value)}
+                placeholder="Search by business"
+                disabled={loading}
+              />
+            </div>
+            <div className={tableStyles.field}>
+              <label htmlFor="sms-template-status">Status</label>
+              <select
+                id="sms-template-status"
+                value={draftStatus}
+                onChange={(e) => setDraftStatus(e.target.value as StatusFilter)}
+                disabled={loading}
+              >
+                <option value="all">All (pending + verified)</option>
+                <option value="pending">Waiting for verification</option>
+                <option value="verified">Verified</option>
+              </select>
+            </div>
+          </div>
+          <div className={tableStyles.filterActions}>
+            <button
+              type="submit"
+              className={`${tableStyles.iconActionBtn} ${tableStyles.iconActionBtnPrimary}`}
+              disabled={loading}
+              aria-label="Search"
+              title="Search"
+            >
+              <Search size={18} />
+            </button>
+            <button
+              type="button"
+              className={`${tableStyles.iconActionBtn} ${tableStyles.iconActionBtnGhost}`}
+              onClick={clearFilters}
+              disabled={loading}
+              aria-label="Clear filters"
+              title="Clear filters"
+            >
+              <RotateCcw size={18} />
+            </button>
+          </div>
+        </form>
+      </div>
+
+      <div className={tableStyles.tablePanel}>
+        <div className={tableStyles.tableWrap}>
+          <div className={tableStyles.tableHeader}>
+            <div className={tableStyles.tableHeaderTitle}>Templates</div>
+            <div className={tableStyles.meta}>
+              {loading
+                ? 'Loading…'
+                : `${filteredItems.length} template${filteredItems.length === 1 ? '' : 's'}`}
+            </div>
+          </div>
+          <table className={tableStyles.table}>
+            <thead>
+              <tr>
+                <th className={tableStyles.th}>Business</th>
+                <th className={tableStyles.th}>Name</th>
+                <th className={tableStyles.th}>Body</th>
+                <th className={tableStyles.th} style={{ width: 160 }}>
+                  Status
+                </th>
+                <th className={tableStyles.th} style={{ width: 140 }}>
+                  Actions
+                </th>
+              </tr>
+            </thead>
+            <tbody>
+              {loading && items.length === 0 ? (
+                <EmptyTableRow colSpan={5} message="Loading SMS templates…" />
+              ) : null}
+              {!loading && filteredItems.length === 0 ? (
+                <EmptyTableRow colSpan={5} message="No SMS templates match these filters." />
+              ) : null}
+              {filteredItems.map((item) => {
+                const status = templateStatus(item)
+                return (
+                  <tr key={item.id}>
+                    <td className={tableStyles.td}>
+                      <div className={styles.hostCell}>
+                        <strong>{item.business.name}</strong>
+                        <span className={styles.businessMeta}>{item.business.slug}</span>
+                      </div>
+                    </td>
+                    <td className={tableStyles.td}>
+                      <span>{item.name}</span>
+                    </td>
+                    <td className={tableStyles.td}>
+                      <span className={styles.preview} title={item.body}>
+                        {item.body}
+                      </span>
+                    </td>
+                    <td className={tableStyles.td}>
+                      {status === 'verified' ? (
+                        <span className={styles.badgeVerified}>Verified</span>
+                      ) : (
+                        <span className={styles.badgePending}>Waiting for verification</span>
+                      )}
+                    </td>
+                    <td className={tableStyles.td}>
+                      <div className={styles.actions}>
+                        <button
+                          type="button"
+                          className={tableStyles.controlBtn}
+                          onClick={() => openEdit(item)}
+                          disabled={busyId === item.id || submitting}
+                          aria-label="Edit template"
+                          title="Edit"
+                        >
+                          <Pencil size={15} />
+                        </button>
+                        {status === 'verified' ? (
+                          <button
+                            type="button"
+                            className={tableStyles.controlBtn}
+                            onClick={() => void handleUnverify(item)}
+                            disabled={busyId === item.id}
+                            aria-label="Remove verification"
+                            title="Unverify"
+                          >
+                            <XCircle size={15} />
+                          </button>
+                        ) : (
+                          <button
+                            type="button"
+                            className={tableStyles.controlBtn}
+                            onClick={() => void handleVerify(item)}
+                            disabled={busyId === item.id}
+                            aria-label="Verify template"
+                            title="Verify"
+                          >
+                            <CheckCircle2 size={15} />
+                          </button>
+                        )}
+                      </div>
+                    </td>
+                  </tr>
+                )
+              })}
+            </tbody>
+          </table>
+        </div>
+      </div>
+
+      <Modal
+        open={editorOpen}
+        title="Edit SMS template"
+        wide
+        onClose={() => {
+          if (submitting) return
+          setEditorOpen(false)
+        }}
+      >
+        {editing ? (
+          <p className={styles.helperText}>
+            {editing.business.name} · {editing.business.slug}
+          </p>
+        ) : null}
+        {editing && templateStatus(editing) === 'verified' ? (
+          <p className={styles.helperText}>
+            Saving changes clears verification and removes this template from the admin queue
+            until the business submits it again.
+          </p>
+        ) : null}
+        {formError ? (
+          <p className={styles.alertError} role="alert">
+            {formError}
+          </p>
+        ) : null}
+        <div className={tableStyles.field}>
+          <label htmlFor="sms-edit-name">Name</label>
+          <input
+            id="sms-edit-name"
+            value={draftNameEdit}
+            onChange={(e) => setDraftNameEdit(e.target.value)}
+            disabled={submitting}
+          />
+        </div>
+        <div className={tableStyles.field}>
+          <label htmlFor="sms-edit-body">Message</label>
+          <textarea
+            id="sms-edit-body"
+            className={styles.promptArea}
+            value={draftBody}
+            onChange={(e) => setDraftBody(e.target.value.slice(0, 700))}
+            disabled={submitting}
+            rows={10}
+          />
+          <p className={styles.helperText}>Variables: {variablesHint}</p>
+        </div>
+        <div style={{ height: 12 }} />
+        <div className={tableStyles.actionsRow}>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+            onClick={() => setEditorOpen(false)}
+            disabled={submitting}
+          >
+            Cancel
+          </button>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+            onClick={() => void handleSave()}
+            disabled={submitting}
+          >
+            {submitting ? 'Saving…' : 'Save'}
+          </button>
+        </div>
+      </Modal>
+    </main>
+  )
+}
diff --git a/apps/super-admin/src/pages/TemplatesPage.module.css b/apps/super-admin/src/pages/TemplatesPage.module.css
index 99d67fa..8bee332 100644
--- a/apps/super-admin/src/pages/TemplatesPage.module.css
+++ b/apps/super-admin/src/pages/TemplatesPage.module.css
@@ -12,10 +12,6 @@
   margin-bottom: 14px;
 }
 
-.filterField {
-  max-width: 360px;
-}
-
 .preview {
   display: block;
   max-width: 520px;
@@ -124,3 +120,23 @@
 .helperText a {
   color: var(--primary);
 }
+
+.badgeVerified,
+.badgePending {
+  display: inline-flex;
+  align-items: center;
+  padding: 2px 8px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 600;
+}
+
+.badgeVerified {
+  background: rgba(16, 185, 129, 0.12);
+  color: #047857;
+}
+
+.badgePending {
+  background: rgba(245, 158, 11, 0.14);
+  color: #b45309;
+}
diff --git a/apps/super-admin/src/pages/UsersPage.tsx b/apps/super-admin/src/pages/UsersPage.tsx
index 09b6003..20b35cb 100644
--- a/apps/super-admin/src/pages/UsersPage.tsx
+++ b/apps/super-admin/src/pages/UsersPage.tsx
@@ -579,7 +579,7 @@ export function UsersPage() {
         <div className={tableStyles.filtersTitle}>Filters</div>
         <form className={tableStyles.filtersGrid} onSubmit={(e) => { e.preventDefault(); applyFilters() }}>
           <div className={tableStyles.filtersInputs}>
-            <div className={`${tableStyles.field} ${tableStyles.fieldCol3}`}>
+            <div className={tableStyles.field}>
               <label htmlFor="filter-user-name">Name</label>
               <input
                 id="filter-user-name"
@@ -588,7 +588,7 @@ export function UsersPage() {
                 placeholder="Search by name"
               />
             </div>
-            <div className={`${tableStyles.field} ${tableStyles.fieldCol3}`}>
+            <div className={tableStyles.field}>
               <label htmlFor="filter-user-cell">Cell number</label>
               <input
                 id="filter-user-cell"
@@ -598,7 +598,7 @@ export function UsersPage() {
                 autoComplete="off"
               />
             </div>
-            <div className={`${tableStyles.field} ${tableStyles.fieldCol3}`}>
+            <div className={tableStyles.field}>
               <label htmlFor="filter-user-role">Role</label>
               <select
                 id="filter-user-role"
diff --git a/apps/super-admin/src/pages/WebsitesPage.tsx b/apps/super-admin/src/pages/WebsitesPage.tsx
index b4a6848..fe74dbf 100644
--- a/apps/super-admin/src/pages/WebsitesPage.tsx
+++ b/apps/super-admin/src/pages/WebsitesPage.tsx
@@ -518,7 +518,7 @@ export function WebsitesPage() {
         <div className={tableStyles.filtersTitle}>Filters</div>
         <form className={tableStyles.filtersGrid} onSubmit={(e) => { e.preventDefault(); applyFilters() }}>
           <div className={tableStyles.filtersInputs}>
-            <div className={`${tableStyles.field} ${tableStyles.fieldCol3}`}>
+            <div className={tableStyles.field}>
               <label htmlFor="filter-domain-name">Name</label>
               <input
                 id="filter-domain-name"
diff --git a/apps/super-admin/src/services/businessService.ts b/apps/super-admin/src/services/businessService.ts
index bf3cc11..6fa96c9 100644
--- a/apps/super-admin/src/services/businessService.ts
+++ b/apps/super-admin/src/services/businessService.ts
@@ -25,6 +25,7 @@ export interface UpdateBusinessPayload {
   oldBusinessId?: number | null
   annualRenewalAt?: string | null
   smsSenderNumber?: string | null
+  smsBalance?: number
 }
 
 export interface AddDomainPayload {
diff --git a/apps/super-admin/src/services/smsTemplateService.ts b/apps/super-admin/src/services/smsTemplateService.ts
new file mode 100644
index 0000000..048b653
--- /dev/null
+++ b/apps/super-admin/src/services/smsTemplateService.ts
@@ -0,0 +1,61 @@
+import { apiRequest } from '../lib/api'
+
+export type SmsTemplateVerificationStatus = 'free' | 'pending' | 'verified'
+
+export interface SmsTemplateAdminItem {
+  id: string
+  businessId: string
+  name: string
+  body: string
+  verificationStatus: SmsTemplateVerificationStatus
+  isVerified: boolean
+  verifiedAt: string | null
+  verifiedBy: string | null
+  createdAt: string
+  updatedAt: string
+  business: {
+    id: string
+    name: string
+    slug: string
+  }
+}
+
+export async function listAllSmsTemplates(
+  options?: { status?: 'pending' | 'verified' | 'all'; signal?: AbortSignal },
+) {
+  const params = new URLSearchParams()
+  if (options?.status && options.status !== 'all') {
+    params.set('status', options.status)
+  } else {
+    params.set('status', 'all')
+  }
+  const query = params.toString()
+  return apiRequest<{ items: SmsTemplateAdminItem[]; variables: string[] }>(
+    `/sms-templates${query ? `?${query}` : ''}`,
+    { auth: true, signal: options?.signal },
+  )
+}
+
+export async function updateSmsTemplateAsAdmin(
+  templateId: string,
+  payload: { name?: string; body?: string },
+) {
+  return apiRequest<{ template: SmsTemplateAdminItem }>(
+    `/sms-templates/${templateId}`,
+    { method: 'PATCH', auth: true, body: payload },
+  )
+}
+
+export async function verifySmsTemplate(templateId: string) {
+  return apiRequest<{ template: SmsTemplateAdminItem }>(
+    `/sms-templates/${templateId}/verify`,
+    { method: 'POST', auth: true },
+  )
+}
+
+export async function unverifySmsTemplate(templateId: string) {
+  return apiRequest<{ template: SmsTemplateAdminItem }>(
+    `/sms-templates/${templateId}/unverify`,
+    { method: 'POST', auth: true },
+  )
+}
diff --git a/apps/super-admin/src/types/business.ts b/apps/super-admin/src/types/business.ts
index 7ed69ad..7d85be4 100644
--- a/apps/super-admin/src/types/business.ts
+++ b/apps/super-admin/src/types/business.ts
@@ -40,6 +40,8 @@ export interface BusinessListItem {
   oldBusinessId: string | null
   /** Gama shortcode for customer SMS; null → Meshkee advertising number. */
   smsSenderNumber: string | null
+  /** Prepaid SMS balance in IRT (400 IRT per 64 chars / recipient). */
+  smsBalance: number
 }
 
 export type MigrateFromOldEntity =
diff --git a/docs/PROJECT_CONTEXT.md b/docs/PROJECT_CONTEXT.md
index bf0b0c4..e77a6fa 100644
--- a/docs/PROJECT_CONTEXT.md
+++ b/docs/PROJECT_CONTEXT.md
@@ -315,9 +315,18 @@ Products accept optional `brandId` on create/update.
 - `GET /businesses/:businessId/customers/search` — autocomplete for order cart
 - `GET /businesses/:businessId/customers/export` — Excel (.xlsx) of business customers (`phone`, `first_name`, `last_name`)
 - `POST /businesses/:businessId/customers/import` — Excel import for SMS lists; only `phone` required; new users get a random password hash (OTP login still works); existing users are linked; already-linked / staff rows skipped
-- `POST /businesses/:businessId/customers/:userId/sms` — single SMS via Gama **SendQuick**; uses `settings.sms.senderNumber` or advertising shortcode `5000990009`
-- `POST /businesses/:businessId/customers/sms` — bulk SMS via Gama **SendBulk** (`destinations[]`); body `{ message, userIds? }` — empty/omitted `userIds` → all enabled customers; selected ids → those recipients
-- Super Admin business edit: optional **SMS sender number** stored in `businesses.settings.sms.senderNumber`
+- `POST /businesses/:businessId/customers/:userId/sms` — single SMS via Gama **SendQuick**; body `{ message, templateId? }`
+- `POST /businesses/:businessId/customers/sms` — bulk SMS via Gama **SendBulk** (or per-recipient when template/vars); body `{ message, userIds?, templateId? }` — empty/omitted `userIds` → all enabled customers
+- Free-text SMS source: `settings.sms.senderNumber` (Super Admin only) or advertising shortcode `9000590009`
+- Verified SMS template → service shortcode `5000110005` (fixed); unverified template → `9000590009`
+- Per-business prepaid `businesses.sms_balance` (IRT) — all Meshkee SMS (OTP login/forgot-password, customer SMS, partner/public SMS for linked domains) costs **400 IRT per 64 characters** per recipient (`ceil(len/64)*400`). Insufficient balance blocks send.
+- New businesses created in Super Admin start with **500,000 IRT** SMS balance
+- External domains (no Meshkee website) still bill via their business row once the domain is linked
+- Business Settings → **SMS settings**: balance (read-only) + template CRUD
+- Super Admin business overflow → **SMS settings** modal: sender number + SMS balance top-up
+- Super Admin → **SMS Templates** (`/sms-templates`): verify / unverify
+- Online payment gateways live under **Website → Settings** (not main Settings)
+- Template vars: `{{user.name}}`, `{{user.lastname}}`, `{{user.title}}`
 
 ### Orders
 - `GET/POST/PATCH/DELETE /businesses/:businessId/orders`