diff --git a/apps/super-admin/.env.example b/apps/super-admin/.env.example
index 5f276d4..65c755f 100644
--- a/apps/super-admin/.env.example
+++ b/apps/super-admin/.env.example
@@ -3,4 +3,7 @@ VITE_API_BASE_URL=http://localhost:3000/api/v1
 VITE_ADMIN_DOMAIN=meshkee.app
 # Public domain used in platform invoice links (https://{domain}/invoices/{id}).
 VITE_INVOICE_PUBLIC_DOMAIN=meshkee.com
+# Optional full origin for local show-page design (overrides domain). Leave unset in DEV —
+# links use the current Vite origin (e.g. https://meshkee.app:5174/invoices/{id}).
+# VITE_INVOICE_PUBLIC_BASE_URL=https://meshkee.app:5174
 # Local HTTPS certs (gitignored): mkcert -cert-file .certs/meshkee.app.pem -key-file .certs/meshkee.app-key.pem meshkee.app
diff --git a/apps/super-admin/src/App.tsx b/apps/super-admin/src/App.tsx
index 0fa4152..c295ee6 100644
--- a/apps/super-admin/src/App.tsx
+++ b/apps/super-admin/src/App.tsx
@@ -11,6 +11,9 @@ import { BusinessInvoicesPage } from './pages/BusinessInvoicesPage'
 import { UsersPage } from './pages/UsersPage'
 import { WebsitesPage } from './pages/WebsitesPage'
 import { SettingsPage } from './pages/SettingsPage'
+import { InvoiceTemplateEditorPage } from './pages/InvoiceTemplateEditorPage'
+import { IssueInvoicePage } from './pages/IssueInvoicePage'
+import { PublicInvoicePage } from './pages/PublicInvoicePage'
 import { ProfilePage } from './pages/ProfilePage'
 import { LoginPage } from './pages/LoginPage'
 
@@ -21,6 +24,8 @@ function App() {
         <AuthProvider>
           <ToastProvider>
             <Routes>
+              <Route path="invoices/:invoiceId" element={<PublicInvoicePage />} />
+
               <Route element={<GuestRoute />}>
                 <Route path="login" element={<LoginPage />} />
               </Route>
@@ -30,9 +35,15 @@ function App() {
                   <Route index element={<HomePage />} />
                   <Route path="businesses" element={<BusinessesPage />} />
                   <Route path="businesses/:businessId/invoices" element={<BusinessInvoicesPage />} />
+                  <Route path="businesses/:businessId/invoices/new" element={<IssueInvoicePage />} />
                   <Route path="users" element={<UsersPage />} />
                   <Route path="websites" element={<WebsitesPage />} />
                   <Route path="settings" element={<SettingsPage />} />
+                  <Route path="settings/invoice-templates/new" element={<InvoiceTemplateEditorPage />} />
+                  <Route
+                    path="settings/invoice-templates/:templateId"
+                    element={<InvoiceTemplateEditorPage />}
+                  />
                   <Route path="profile" element={<ProfilePage />} />
                 </Route>
               </Route>
diff --git a/apps/super-admin/src/components/InvoiceDraftFields.tsx b/apps/super-admin/src/components/InvoiceDraftFields.tsx
new file mode 100644
index 0000000..3b66610
--- /dev/null
+++ b/apps/super-admin/src/components/InvoiceDraftFields.tsx
@@ -0,0 +1,314 @@
+import { Pencil, Plus, X } from 'lucide-react'
+import type { InvoiceItemTemplate } from '../types/invoice'
+import { formatIrtInput, formatIrtPrice } from '../utils/irtPrice'
+import type { DraftAccount, DraftKeyPoint, DraftLineItem } from '../utils/invoiceDraft'
+import {
+  draftItemFromItemTemplate,
+  emptyDraftAccount,
+  emptyDraftItem,
+  emptyDraftKeyPoint,
+} from '../utils/invoiceDraft'
+import tableStyles from '../pages/BusinessesPage.module.css'
+import styles from '../pages/BusinessInvoicesPage.module.css'
+
+type Props = {
+  itemTemplates: InvoiceItemTemplate[]
+  items: DraftLineItem[]
+  keyPoints: DraftKeyPoint[]
+  accounts: DraftAccount[]
+  selectedItemTemplateId: string
+  onSelectedItemTemplateId: (id: string) => void
+  onItemsChange: (items: DraftLineItem[]) => void
+  onKeyPointsChange: (points: DraftKeyPoint[]) => void
+  onAccountsChange: (accounts: DraftAccount[]) => void
+  showItemTemplatePicker?: boolean
+}
+
+export function InvoiceDraftFields({
+  itemTemplates,
+  items,
+  keyPoints,
+  accounts,
+  selectedItemTemplateId,
+  onSelectedItemTemplateId,
+  onItemsChange,
+  onKeyPointsChange,
+  onAccountsChange,
+  showItemTemplatePicker = true,
+}: Props) {
+  function updateItem(key: string, patch: Partial<DraftLineItem>) {
+    onItemsChange(items.map((item) => (item.key === key ? { ...item, ...patch } : item)))
+  }
+
+  function removeItem(key: string) {
+    if (items.length <= 1) return
+    onItemsChange(items.filter((item) => item.key !== key))
+  }
+
+  function addFromItemTemplate() {
+    const template = itemTemplates.find((t) => t.id === selectedItemTemplateId)
+    if (!template) return
+    const onlyEmpty =
+      items.length === 1 &&
+      !items[0].title.trim() &&
+      !items[0].price.trim() &&
+      !items[0].description.trim()
+    onItemsChange(onlyEmpty ? [draftItemFromItemTemplate(template)] : [...items, draftItemFromItemTemplate(template)])
+    onSelectedItemTemplateId('')
+  }
+
+  return (
+    <>
+      <div className={styles.itemsStack}>
+        {items.map((item, index) => (
+          <div key={item.key} className={styles.itemCard}>
+            <div className={styles.itemCardHeader}>
+              <span>Item {index + 1}</span>
+              <button
+                type="button"
+                className={styles.removeItemBtn}
+                onClick={() => removeItem(item.key)}
+                disabled={items.length <= 1}
+                aria-label="Remove item"
+                title="Remove item"
+              >
+                <X size={16} />
+              </button>
+            </div>
+            <div className={styles.itemGrid}>
+              <div className={tableStyles.field}>
+                <label>Title</label>
+                <input
+                  value={item.title}
+                  onChange={(e) => updateItem(item.key, { title: e.target.value })}
+                  placeholder="Service title"
+                />
+              </div>
+              <div className={tableStyles.field}>
+                <label>Duration</label>
+                <input
+                  value={item.duration}
+                  onChange={(e) => updateItem(item.key, { duration: e.target.value })}
+                  placeholder="e.g. 3 months"
+                />
+              </div>
+              <div className={tableStyles.field}>
+                <label>Worktime</label>
+                <input
+                  value={item.worktime}
+                  onChange={(e) => updateItem(item.key, { worktime: e.target.value })}
+                  placeholder="e.g. 40 hours"
+                />
+              </div>
+              <div className={tableStyles.field}>
+                <label>Price (IRT)</label>
+                <input
+                  inputMode="numeric"
+                  value={item.price}
+                  onChange={(e) => updateItem(item.key, { price: formatIrtInput(e.target.value) })}
+                  placeholder="0"
+                />
+              </div>
+              <div className={tableStyles.field}>
+                <label>Discounted price (IRT)</label>
+                <input
+                  inputMode="numeric"
+                  value={item.discountedPrice}
+                  onChange={(e) =>
+                    updateItem(item.key, { discountedPrice: formatIrtInput(e.target.value) })
+                  }
+                  placeholder="Optional"
+                />
+              </div>
+              <div className={`${tableStyles.field} ${styles.descField}`}>
+                <label>Description</label>
+                <textarea
+                  rows={2}
+                  value={item.description}
+                  onChange={(e) => updateItem(item.key, { description: e.target.value })}
+                  placeholder="Optional details"
+                />
+              </div>
+            </div>
+          </div>
+        ))}
+      </div>
+
+      <div className={styles.itemActions}>
+        {showItemTemplatePicker ? (
+          <div className={styles.itemActionsLeft}>
+            <select
+              id="item-template-pick"
+              className={styles.compactSelect}
+              value={selectedItemTemplateId}
+              onChange={(e) => onSelectedItemTemplateId(e.target.value)}
+              aria-label="Add from item template"
+            >
+              <option value="">Add from template…</option>
+              {itemTemplates.map((template) => (
+                <option key={template.id} value={template.id}>
+                  {template.title} · {formatIrtPrice(template.price)}
+                </option>
+              ))}
+            </select>
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnGhost} ${styles.compactBtn}`}
+              onClick={addFromItemTemplate}
+              disabled={!selectedItemTemplateId}
+            >
+              <Plus size={14} />
+              Add
+            </button>
+          </div>
+        ) : (
+          <div />
+        )}
+        <button
+          type="button"
+          className={`${tableStyles.btn} ${tableStyles.btnGhost} ${styles.compactBtn}`}
+          onClick={() => onItemsChange([...items, emptyDraftItem()])}
+        >
+          <Pencil size={14} />
+          Add custom item
+        </button>
+      </div>
+
+      <div className={styles.blockSection}>
+        <div className={styles.blockHeader}>
+          <h4 className={styles.blockTitle}>Key points</h4>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+            onClick={() => onKeyPointsChange([...keyPoints, emptyDraftKeyPoint()])}
+          >
+            <Plus size={16} />
+            Add point
+          </button>
+        </div>
+        {keyPoints.length === 0 ? (
+          <p className={styles.templateHint}>No key points yet.</p>
+        ) : (
+          <div className={styles.repeatStack}>
+            {keyPoints.map((point, index) => (
+              <div key={point.key} className={styles.repeatRow}>
+                <div className={`${tableStyles.field} ${styles.flexGrow}`}>
+                  <label>Point {index + 1}</label>
+                  <input
+                    value={point.text}
+                    onChange={(e) =>
+                      onKeyPointsChange(
+                        keyPoints.map((p) =>
+                          p.key === point.key ? { ...p, text: e.target.value } : p,
+                        ),
+                      )
+                    }
+                    placeholder="e.g. Payment due within 7 days"
+                  />
+                </div>
+                <button
+                  type="button"
+                  className={styles.removeFieldBtn}
+                  onClick={() => onKeyPointsChange(keyPoints.filter((p) => p.key !== point.key))}
+                  aria-label="Remove key point"
+                  title="Remove"
+                >
+                  <X size={16} />
+                </button>
+              </div>
+            ))}
+          </div>
+        )}
+      </div>
+
+      <div className={styles.blockSection}>
+        <div className={styles.blockHeader}>
+          <h4 className={styles.blockTitle}>Account numbers</h4>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+            onClick={() => onAccountsChange([...accounts, emptyDraftAccount()])}
+          >
+            <Plus size={16} />
+            Add account
+          </button>
+        </div>
+        {accounts.length === 0 ? (
+          <p className={styles.templateHint}>No bank accounts yet.</p>
+        ) : (
+          <div className={styles.repeatStack}>
+            {accounts.map((acc) => (
+              <div key={acc.key} className={styles.accountRow}>
+                <div className={`${tableStyles.field} ${styles.accountCol2}`}>
+                  <label>Bank name</label>
+                  <input
+                    value={acc.bankName}
+                    onChange={(e) =>
+                      onAccountsChange(
+                        accounts.map((a) =>
+                          a.key === acc.key ? { ...a, bankName: e.target.value } : a,
+                        ),
+                      )
+                    }
+                    placeholder="Bank name"
+                  />
+                </div>
+                <div className={`${tableStyles.field} ${styles.accountCol2}`}>
+                  <label>Account holder</label>
+                  <input
+                    value={acc.accountHolderName}
+                    onChange={(e) =>
+                      onAccountsChange(
+                        accounts.map((a) =>
+                          a.key === acc.key ? { ...a, accountHolderName: e.target.value } : a,
+                        ),
+                      )
+                    }
+                    placeholder="Account holder name"
+                  />
+                </div>
+                <div className={`${tableStyles.field} ${styles.accountCol3}`}>
+                  <label>Card number</label>
+                  <input
+                    value={acc.cardNumber}
+                    onChange={(e) =>
+                      onAccountsChange(
+                        accounts.map((a) =>
+                          a.key === acc.key ? { ...a, cardNumber: e.target.value } : a,
+                        ),
+                      )
+                    }
+                    placeholder="Optional"
+                  />
+                </div>
+                <div className={`${tableStyles.field} ${styles.accountCol5}`}>
+                  <label>IBAN</label>
+                  <input
+                    value={acc.iban}
+                    onChange={(e) =>
+                      onAccountsChange(
+                        accounts.map((a) =>
+                          a.key === acc.key ? { ...a, iban: e.target.value } : a,
+                        ),
+                      )
+                    }
+                    placeholder="Optional"
+                  />
+                </div>
+                <button
+                  type="button"
+                  className={styles.removeFieldBtn}
+                  onClick={() => onAccountsChange(accounts.filter((a) => a.key !== acc.key))}
+                  aria-label="Remove account"
+                  title="Remove"
+                >
+                  <X size={16} />
+                </button>
+              </div>
+            ))}
+          </div>
+        )}
+      </div>
+    </>
+  )
+}
diff --git a/apps/super-admin/src/components/Modal.module.css b/apps/super-admin/src/components/Modal.module.css
index b2ef730..9e6ee46 100644
--- a/apps/super-admin/src/components/Modal.module.css
+++ b/apps/super-admin/src/components/Modal.module.css
@@ -14,6 +14,9 @@
 .modal {
   width: 100%;
   max-width: 520px;
+  max-height: calc(100vh - 40px);
+  display: flex;
+  flex-direction: column;
   background: rgba(255, 255, 255, 0.9);
   backdrop-filter: blur(28px);
   -webkit-backdrop-filter: blur(28px);
@@ -35,12 +38,14 @@
   position: relative;
   padding: 18px 18px 10px;
   border-bottom: 1px solid rgba(148, 163, 184, 0.2);
+  flex-shrink: 0;
 }
 
 .title {
   font-size: 18px;
   font-weight: 700;
   color: var(--text-primary);
+  padding-right: 36px;
 }
 
 .closeBtn {
@@ -64,5 +69,8 @@
 
 .body {
   padding: 18px;
+  overflow: auto;
+  flex: 1;
+  min-height: 0;
 }
 
diff --git a/apps/super-admin/src/components/RichTextEditor.module.css b/apps/super-admin/src/components/RichTextEditor.module.css
new file mode 100644
index 0000000..463fddd
--- /dev/null
+++ b/apps/super-admin/src/components/RichTextEditor.module.css
@@ -0,0 +1,75 @@
+.wrapper {
+  border: 1px solid rgba(148, 163, 184, 0.35);
+  border-radius: var(--radius-sm);
+  background: rgba(255, 255, 255, 0.7);
+  overflow: hidden;
+  transition: border-color 0.2s, box-shadow 0.2s;
+}
+
+.wrapper:focus-within {
+  border-color: var(--primary);
+  box-shadow: 0 0 0 3px rgba(var(--primary-rgb) / 0.12);
+}
+
+.toolbar {
+  display: flex;
+  align-items: center;
+  gap: 2px;
+  padding: 3px 6px;
+  border-bottom: 1px solid rgba(148, 163, 184, 0.2);
+  background: rgba(248, 250, 252, 0.8);
+}
+
+.toolbar button {
+  width: 26px;
+  height: 26px;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  border-radius: 6px;
+  color: var(--text-secondary);
+  transition: background 0.15s, color 0.15s;
+}
+
+.toolbar button:hover {
+  background: rgba(var(--primary-rgb) / 0.1);
+  color: var(--primary);
+}
+
+.divider {
+  width: 1px;
+  height: 16px;
+  background: rgba(148, 163, 184, 0.3);
+  margin: 0 4px;
+}
+
+.editor {
+  min-height: 88px;
+  max-height: 160px;
+  overflow: auto;
+  padding: var(--field-padding-y) var(--field-padding-x);
+  font-size: var(--field-font-size);
+  line-height: 1.45;
+  color: var(--text-primary);
+  outline: none;
+}
+
+.editor:empty::before {
+  content: attr(data-placeholder);
+  color: var(--text-muted);
+  pointer-events: none;
+}
+
+.editor ul,
+.editor ol {
+  padding-left: 1.4em;
+  margin: 0.35em 0;
+}
+
+.editor p {
+  margin: 0 0 0.35em;
+}
+
+.editor p:last-child {
+  margin-bottom: 0;
+}
diff --git a/apps/super-admin/src/components/RichTextEditor.tsx b/apps/super-admin/src/components/RichTextEditor.tsx
new file mode 100644
index 0000000..427b802
--- /dev/null
+++ b/apps/super-admin/src/components/RichTextEditor.tsx
@@ -0,0 +1,103 @@
+import { useCallback, useEffect, useRef } from 'react'
+import { Bold, Italic, List, ListOrdered, Underline } from 'lucide-react'
+import styles from './RichTextEditor.module.css'
+
+interface RichTextEditorProps {
+  value: string
+  onChange: (value: string) => void
+  placeholder?: string
+  /** Compact editor height for short fields like invoice top text. */
+  editorMinHeight?: number
+}
+
+export function RichTextEditor({
+  value,
+  onChange,
+  placeholder = '',
+  editorMinHeight = 88,
+}: RichTextEditorProps) {
+  const editorRef = useRef<HTMLDivElement>(null)
+
+  const syncChange = useCallback(() => {
+    if (editorRef.current) {
+      onChange(editorRef.current.innerHTML)
+    }
+  }, [onChange])
+
+  useEffect(() => {
+    if (editorRef.current && editorRef.current.innerHTML !== value) {
+      editorRef.current.innerHTML = value
+    }
+  }, [value])
+
+  function exec(command: string) {
+    editorRef.current?.focus()
+    document.execCommand(command)
+    syncChange()
+  }
+
+  return (
+    <div className={styles.wrapper}>
+      <div className={styles.toolbar}>
+        <button type="button" onClick={() => exec('bold')} title="Bold" aria-label="Bold">
+          <Bold size={14} />
+        </button>
+        <button type="button" onClick={() => exec('italic')} title="Italic" aria-label="Italic">
+          <Italic size={14} />
+        </button>
+        <button
+          type="button"
+          onClick={() => exec('underline')}
+          title="Underline"
+          aria-label="Underline"
+        >
+          <Underline size={14} />
+        </button>
+        <span className={styles.divider} />
+        <button
+          type="button"
+          onClick={() => exec('insertUnorderedList')}
+          title="Bullet list"
+          aria-label="Bullet list"
+        >
+          <List size={14} />
+        </button>
+        <button
+          type="button"
+          onClick={() => exec('insertOrderedList')}
+          title="Numbered list"
+          aria-label="Numbered list"
+        >
+          <ListOrdered size={14} />
+        </button>
+      </div>
+      <div
+        ref={editorRef}
+        className={styles.editor}
+        style={{ minHeight: editorMinHeight }}
+        contentEditable
+        role="textbox"
+        aria-multiline="true"
+        data-placeholder={placeholder}
+        onInput={syncChange}
+        suppressContentEditableWarning
+      />
+    </div>
+  )
+}
+
+/** True when HTML is empty or only whitespace / empty tags. */
+export function isEmptyRichText(html: string | null | undefined): boolean {
+  return richTextToPlain(html).length === 0
+}
+
+/** Strip tags for single-line list previews. */
+export function richTextToPlain(html: string | null | undefined): string {
+  if (!html) return ''
+  return html
+    .replace(/<br\s*\/?>/gi, ' ')
+    .replace(/&nbsp;/gi, ' ')
+    .replace(/<[^>]+>/g, '')
+    .replace(/\s+/g, ' ')
+    .trim()
+}
diff --git a/apps/super-admin/src/lib/config.ts b/apps/super-admin/src/lib/config.ts
index 40d6cea..4c33ea5 100644
--- a/apps/super-admin/src/lib/config.ts
+++ b/apps/super-admin/src/lib/config.ts
@@ -9,8 +9,26 @@ export function isAllowedAdminHost(hostname = window.location.hostname): boolean
   return hostname === getAdminDomain()
 }
 
-/** Public invoice URL for platform (super-admin) invoices. */
+/**
+ * Public invoice URL for platform invoices.
+ * Local/dev: current origin (`https://meshkee.app:5174/invoices/{id}`) so the show page is reachable.
+ * Production: `https://{VITE_INVOICE_PUBLIC_DOMAIN}/invoices/{id}` (default meshkee.com).
+ * Override either with `VITE_INVOICE_PUBLIC_BASE_URL` (full origin, optional path prefix).
+ */
 export function getPlatformInvoicePublicUrl(invoiceId: string): string {
+  const baseOverride = import.meta.env.VITE_INVOICE_PUBLIC_BASE_URL?.trim()
+  if (baseOverride) {
+    return `${baseOverride.replace(/\/$/, '')}/invoices/${invoiceId}`
+  }
+  if (import.meta.env.DEV) {
+    return `${window.location.origin}/invoices/${invoiceId}`
+  }
   const domain = import.meta.env.VITE_INVOICE_PUBLIC_DOMAIN?.trim() || 'meshkee.com'
   return `https://${domain}/invoices/${invoiceId}`
 }
+
+/** Marketing / main business site for platform invoices (default https://meshkee.com). */
+export function getPlatformMarketingUrl(): string {
+  const domain = import.meta.env.VITE_INVOICE_PUBLIC_DOMAIN?.trim() || 'meshkee.com'
+  return `https://${domain.replace(/^https?:\/\//, '').replace(/\/$/, '')}`
+}
diff --git a/apps/super-admin/src/pages/BusinessInvoicesPage.module.css b/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
index d151ed0..f669aee 100644
--- a/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
+++ b/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
@@ -113,6 +113,7 @@
   color: #b91c1c;
   background: rgba(239, 68, 68, 0.08);
   border: 1px solid rgba(239, 68, 68, 0.18);
+  flex-shrink: 0;
 }
 
 .removeItemBtn:hover:not(:disabled) {
@@ -124,6 +125,37 @@
   cursor: not-allowed;
 }
 
+/** Matches compact field height; align with input (not label). */
+.removeFieldBtn {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: var(--field-height);
+  height: var(--field-height);
+  min-width: var(--field-height);
+  border-radius: var(--radius-sm);
+  color: #b91c1c;
+  background: rgba(239, 68, 68, 0.08);
+  border: 1px solid rgba(239, 68, 68, 0.18);
+  flex-shrink: 0;
+  align-self: flex-end;
+}
+
+.removeFieldBtn:hover:not(:disabled) {
+  background: rgba(239, 68, 68, 0.14);
+}
+
+.repeatRow {
+  display: flex;
+  align-items: flex-end;
+  gap: 8px;
+}
+
+.repeatRow .field {
+  flex: 1;
+  min-width: 0;
+}
+
 .itemGrid {
   display: grid;
   grid-template-columns: minmax(160px, 2fr) minmax(90px, 1fr) minmax(90px, 1fr) minmax(110px, 1.1fr) minmax(120px, 1.2fr);
@@ -197,12 +229,50 @@
   margin-bottom: 14px;
 }
 
+.itemActionsLeft {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  min-width: 0;
+  flex: 1;
+}
+
+.compactSelect {
+  width: min(260px, 100%);
+  min-height: 32px;
+  padding: 6px var(--select-padding-end) 6px 10px;
+  font-size: 12px;
+  color: var(--text-primary);
+  background-color: rgba(255, 255, 255, 0.7);
+  border: 1px solid rgba(148, 163, 184, 0.35);
+  border-radius: var(--radius-sm);
+  appearance: none;
+  -webkit-appearance: none;
+  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
+  background-repeat: no-repeat;
+  background-position: right 8px center;
+  background-size: 14px;
+  cursor: pointer;
+}
+
+.compactBtn {
+  padding: 6px 10px;
+  font-size: 12px;
+  white-space: nowrap;
+}
+
 .createTotal {
   font-size: 14px;
   font-weight: 700;
   color: var(--text-primary);
 }
 
+.createTotalRow {
+  display: flex;
+  justify-content: flex-end;
+  margin: 4px 0 14px;
+}
+
 .detailMeta {
   display: grid;
   grid-template-columns: repeat(3, minmax(0, 1fr));
@@ -284,6 +354,76 @@
   font-weight: 500;
 }
 
+.blockSection {
+  margin: 16px 0;
+  padding-top: 12px;
+  border-top: 1px solid rgba(148, 163, 184, 0.22);
+}
+
+.blockHeader {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  margin-bottom: 10px;
+}
+
+.blockTitle {
+  margin: 0;
+  font-size: 14px;
+  font-weight: 700;
+  color: var(--text-primary);
+}
+
+.repeatStack {
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+
+.flexGrow {
+  flex: 1;
+  min-width: 0;
+}
+
+.accountCard {
+  padding: 12px;
+  border: 1px solid rgba(148, 163, 184, 0.28);
+  border-radius: var(--radius-sm);
+  background: rgba(255, 255, 255, 0.45);
+}
+
+.accountGrid {
+  display: grid;
+  grid-template-columns: 1fr 1fr;
+  gap: 10px;
+}
+
+.accountRow {
+  display: grid;
+  grid-template-columns: 2fr 2fr 3fr 5fr var(--field-height);
+  align-items: end;
+  gap: 8px;
+}
+
+.accountCol2,
+.accountCol3,
+.accountCol5 {
+  min-width: 0;
+}
+
+.fullField {
+  margin-bottom: 12px;
+}
+
+.keyPointList {
+  margin: 0;
+  padding-left: 18px;
+  font-size: 13px;
+  color: var(--text-secondary);
+  line-height: 1.5;
+}
+
 @media (max-width: 900px) {
   .itemGrid,
   .metaGrid,
@@ -309,8 +449,27 @@
     grid-column: span 1;
   }
 
+  .accountRow {
+    grid-template-columns: 1fr var(--field-height);
+  }
+
+  .accountCol2,
+  .accountCol3,
+  .accountCol5 {
+    grid-column: 1;
+  }
+
   .itemActions {
     flex-direction: column;
     align-items: stretch;
   }
+
+  .itemActionsLeft {
+    flex-direction: column;
+    align-items: stretch;
+  }
+
+  .compactSelect {
+    width: 100%;
+  }
 }
diff --git a/apps/super-admin/src/pages/BusinessInvoicesPage.tsx b/apps/super-admin/src/pages/BusinessInvoicesPage.tsx
index f876b2a..1748b4d 100644
--- a/apps/super-admin/src/pages/BusinessInvoicesPage.tsx
+++ b/apps/super-admin/src/pages/BusinessInvoicesPage.tsx
@@ -1,50 +1,24 @@
-import { useEffect, useMemo, useState } from 'react'
-import { Link, useParams } from 'react-router-dom'
-import {
-  ArrowLeft,
-  Copy,
-  Eye,
-  FilePlus2,
-  Pencil,
-  Plus,
-  Trash2,
-  X,
-} from 'lucide-react'
+import { useEffect, useState } from 'react'
+import { Link, useNavigate, useParams } from 'react-router-dom'
+import { ArrowLeft, Copy, Eye, FilePlus2, Trash2 } from 'lucide-react'
 import { ConfirmDeleteModal } from '../components/ConfirmDeleteModal'
 import { Modal } from '../components/Modal'
+import { isEmptyRichText } from '../components/RichTextEditor'
 import { useToast } from '../context/ToastContext'
 import { ApiError, isAbortError } from '../lib/api'
 import { getPlatformInvoicePublicUrl } from '../lib/config'
 import { getBusiness, type BusinessDetail } from '../services/businessService'
 import {
-  createBusinessInvoice,
   deleteBusinessInvoice,
   listBusinessInvoices,
-  listInvoiceItemTemplates,
   updateBusinessInvoiceStatus,
 } from '../services/invoiceService'
-import type {
-  Invoice,
-  InvoiceItemInput,
-  InvoiceItemTemplate,
-  InvoiceStatus,
-} from '../types/invoice'
-import { formatIrtInput, formatIrtPrice, parseIrtInput } from '../utils/irtPrice'
+import type { Invoice, InvoiceStatus } from '../types/invoice'
+import { formatIrtPrice } from '../utils/irtPrice'
 import pageStyles from '../components/PageContent.module.css'
 import tableStyles from './BusinessesPage.module.css'
 import styles from './BusinessInvoicesPage.module.css'
 
-type DraftItem = {
-  key: string
-  templateId?: string
-  title: string
-  duration: string
-  worktime: string
-  description: string
-  price: string
-  discountedPrice: string
-}
-
 const STATUS_OPTIONS: InvoiceStatus[] = ['draft', 'issued', 'paid', 'cancelled']
 
 function formatDate(value: string) {
@@ -57,95 +31,40 @@ function formatDate(value: string) {
   })
 }
 
-function emptyDraftItem(): DraftItem {
-  return {
-    key: `${Date.now()}-${Math.random().toString(36).slice(2, 8)}`,
-    title: '',
-    duration: '',
-    worktime: '',
-    description: '',
-    price: '',
-    discountedPrice: '',
-  }
-}
-
-function fromTemplate(template: InvoiceItemTemplate): DraftItem {
-  return {
-    key: `${Date.now()}-${Math.random().toString(36).slice(2, 8)}`,
-    templateId: template.id,
-    title: template.title,
-    duration: template.duration ?? '',
-    worktime: template.worktime ?? '',
-    description: template.description ?? '',
-    price: formatIrtInput(String(Math.round(template.price))),
-    discountedPrice:
-      template.discountedPrice === null || template.discountedPrice === undefined
-        ? ''
-        : formatIrtInput(String(Math.round(template.discountedPrice))),
-  }
-}
-
 function statusLabel(status: InvoiceStatus) {
   return status.charAt(0).toUpperCase() + status.slice(1)
 }
 
-function effectivePrice(price: number, discountedPrice: number | null | undefined) {
-  if (discountedPrice !== null && discountedPrice !== undefined && discountedPrice < price) {
-    return discountedPrice
-  }
-  return price
-}
-
 export function BusinessInvoicesPage() {
   const { businessId = '' } = useParams()
+  const navigate = useNavigate()
   const { showToast } = useToast()
 
   const [business, setBusiness] = useState<BusinessDetail | null>(null)
   const [invoices, setInvoices] = useState<Invoice[]>([])
-  const [templates, setTemplates] = useState<InvoiceItemTemplate[]>([])
   const [loading, setLoading] = useState(false)
   const [error, setError] = useState('')
   const [page, setPage] = useState(1)
   const [totalPages, setTotalPages] = useState(1)
   const [total, setTotal] = useState(0)
 
-  const [createOpen, setCreateOpen] = useState(false)
-  const [draftItems, setDraftItems] = useState<DraftItem[]>([emptyDraftItem()])
-  const [invoiceName, setInvoiceName] = useState('')
-  const [notes, setNotes] = useState('')
-  const [submitting, setSubmitting] = useState(false)
-  const [formError, setFormError] = useState('')
-  const [selectedTemplateId, setSelectedTemplateId] = useState('')
-
   const [detailInvoice, setDetailInvoice] = useState<Invoice | null>(null)
   const [statusUpdating, setStatusUpdating] = useState(false)
   const [removeTarget, setRemoveTarget] = useState<Invoice | null>(null)
 
-  const createTotal = useMemo(() => {
-    return draftItems.reduce((sum, item) => {
-      const price = parseIrtInput(item.price) ?? 0
-      const discounted = item.discountedPrice.trim()
-        ? parseIrtInput(item.discountedPrice)
-        : null
-      return sum + effectivePrice(price, discounted)
-    }, 0)
-  }, [draftItems])
-
   async function reload(signal?: AbortSignal) {
     if (!businessId) return
     setLoading(true)
     setError('')
     try {
-      const [biz, list, tpl] = await Promise.all([
+      const [biz, list] = await Promise.all([
         getBusiness(businessId, signal),
         listBusinessInvoices(businessId, { page, pageSize: 20 }, signal),
-        listInvoiceItemTemplates(signal),
       ])
       setBusiness(biz)
       setInvoices(list.items)
       setTotalPages(list.totalPages)
       setTotal(list.total)
-      setTemplates(tpl.items.filter((t) => t.isActive))
     } catch (err) {
       if (isAbortError(err)) return
       setError(err instanceof ApiError ? err.message : 'Unable to load invoices.')
@@ -161,96 +80,6 @@ export function BusinessInvoicesPage() {
     // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [businessId, page])
 
-  function openCreate() {
-    setDraftItems([emptyDraftItem()])
-    setInvoiceName('')
-    setNotes('')
-    setSelectedTemplateId('')
-    setFormError('')
-    setCreateOpen(true)
-  }
-
-  function updateDraftItem(key: string, patch: Partial<DraftItem>) {
-    setDraftItems((items) => items.map((item) => (item.key === key ? { ...item, ...patch } : item)))
-  }
-
-  function removeDraftItem(key: string) {
-    setDraftItems((items) => (items.length <= 1 ? items : items.filter((item) => item.key !== key)))
-  }
-
-  function addCustomItem() {
-    setDraftItems((items) => [...items, emptyDraftItem()])
-  }
-
-  function addFromTemplate() {
-    const template = templates.find((t) => t.id === selectedTemplateId)
-    if (!template) return
-    setDraftItems((items) => {
-      const onlyEmpty =
-        items.length === 1 &&
-        !items[0].title.trim() &&
-        !items[0].price.trim() &&
-        !items[0].description.trim()
-      return onlyEmpty ? [fromTemplate(template)] : [...items, fromTemplate(template)]
-    })
-    setSelectedTemplateId('')
-  }
-
-  function buildItemsPayload(): InvoiceItemInput[] {
-    return draftItems.map((item) => {
-      const title = item.title.trim()
-      const price = parseIrtInput(item.price)
-      if (!title) throw new Error('Each item needs a title.')
-      if (price === null) throw new Error(`Price is required for “${title || 'item'}”.`)
-      const discountedPrice = item.discountedPrice.trim()
-        ? parseIrtInput(item.discountedPrice)
-        : null
-      if (item.discountedPrice.trim() && discountedPrice === null) {
-        throw new Error(`Discounted price is invalid for “${title}”.`)
-      }
-      if (discountedPrice !== null && discountedPrice > price) {
-        throw new Error(`Discounted price cannot exceed price for “${title}”.`)
-      }
-      return {
-        templateId: item.templateId,
-        title,
-        duration: item.duration.trim() || undefined,
-        worktime: item.worktime.trim() || undefined,
-        description: item.description.trim() || undefined,
-        price,
-        discountedPrice,
-      }
-    })
-  }
-
-  async function handleCreate() {
-    setFormError('')
-    let items: InvoiceItemInput[]
-    try {
-      items = buildItemsPayload()
-    } catch (err) {
-      setFormError(err instanceof Error ? err.message : 'Invalid invoice items.')
-      return
-    }
-
-    setSubmitting(true)
-    try {
-      await createBusinessInvoice(businessId, {
-        items,
-        name: invoiceName.trim() || undefined,
-        notes: notes.trim() || undefined,
-      })
-      showToast('Invoice issued.', 'success')
-      setCreateOpen(false)
-      setPage(1)
-      await reload()
-    } catch (err) {
-      setFormError(err instanceof ApiError ? err.message : 'Unable to create invoice.')
-    } finally {
-      setSubmitting(false)
-    }
-  }
-
   async function handleStatusChange(next: InvoiceStatus) {
     if (!detailInvoice) return
     setStatusUpdating(true)
@@ -292,6 +121,10 @@ export function BusinessInvoicesPage() {
   }
 
   function invoicePublicUrl(invoice: Invoice) {
+    // Prefer local/dev origin so the public show page is reachable while designing.
+    if (import.meta.env.DEV || import.meta.env.VITE_INVOICE_PUBLIC_BASE_URL) {
+      return getPlatformInvoicePublicUrl(invoice.id)
+    }
     return invoice.publicUrl || getPlatformInvoicePublicUrl(invoice.id)
   }
 
@@ -307,14 +140,13 @@ export function BusinessInvoicesPage() {
           </Link>
           <h2 className={pageStyles.pageTitle}>Invoices · {businessName}</h2>
           <p className={pageStyles.pageSubtitle}>
-            List invoices issued to this business, or create a new one from predefined or custom
-            items.
+            Select an invoice template and edit it for this business, or create a blank invoice.
           </p>
         </div>
         <button
           type="button"
           className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
-          onClick={openCreate}
+          onClick={() => navigate(`/businesses/${businessId}/invoices/new`)}
         >
           <FilePlus2 size={16} />
           Issue invoice
@@ -331,86 +163,86 @@ export function BusinessInvoicesPage() {
           </div>
         </div>
         <table className={tableStyles.table}>
-            <thead>
+          <thead>
+            <tr>
+              <th className={tableStyles.th}>Name</th>
+              <th className={tableStyles.th}>Issued</th>
+              <th className={tableStyles.th}>Status</th>
+              <th className={tableStyles.th}>Total</th>
+              <th className={tableStyles.th}>Link</th>
+              <th className={`${tableStyles.th} ${tableStyles.thActions}`}>Actions</th>
+            </tr>
+          </thead>
+          <tbody>
+            {!loading && invoices.length === 0 ? (
               <tr>
-                <th className={tableStyles.th}>Name</th>
-                <th className={tableStyles.th}>Issued</th>
-                <th className={tableStyles.th}>Status</th>
-                <th className={tableStyles.th}>Total</th>
-                <th className={tableStyles.th}>Link</th>
-                <th className={`${tableStyles.th} ${tableStyles.thActions}`}>Actions</th>
+                <td className={tableStyles.td} colSpan={6}>
+                  No invoices yet for this business.
+                </td>
               </tr>
-            </thead>
-            <tbody>
-              {!loading && invoices.length === 0 ? (
-                <tr>
-                  <td className={tableStyles.td} colSpan={6}>
-                    No invoices yet for this business.
-                  </td>
-                </tr>
-              ) : null}
-              {invoices.map((invoice) => (
-                <tr key={invoice.id}>
-                  <td className={tableStyles.td}>
-                    <div className={styles.itemTitle}>{invoice.name || `Invoice #${invoice.id}`}</div>
-                    <div className={tableStyles.subText}>
-                      {invoice.items?.length ?? 0} item{(invoice.items?.length ?? 0) === 1 ? '' : 's'}
-                    </div>
-                  </td>
-                  <td className={tableStyles.td}>{formatDate(invoice.issuedAt)}</td>
-                  <td className={tableStyles.td}>
-                    <span className={`${styles.statusChip} ${styles[`status_${invoice.status}`]}`}>
-                      {statusLabel(invoice.status)}
-                    </span>
-                  </td>
-                  <td className={tableStyles.td}>{formatIrtPrice(invoice.total ?? 0)}</td>
-                  <td className={tableStyles.td}>
-                    <div className={styles.linkRow}>
-                      <a
-                        className={styles.publicLink}
-                        href={invoicePublicUrl(invoice)}
-                        target="_blank"
-                        rel="noreferrer"
-                        title={invoicePublicUrl(invoice)}
-                      >
-                        {invoicePublicUrl(invoice).replace(/^https?:\/\//, '')}
-                      </a>
-                      <button
-                        type="button"
-                        className={styles.copyLinkBtn}
-                        onClick={() => void copyPublicLink(invoice)}
-                        title="Copy link"
-                        aria-label="Copy invoice link"
-                      >
-                        <Copy size={14} />
-                      </button>
-                    </div>
-                  </td>
-                  <td className={`${tableStyles.td} ${tableStyles.tdActions}`}>
-                    <div className={tableStyles.rowActions}>
-                      <button
-                        type="button"
-                        className={tableStyles.controlBtn}
-                        onClick={() => setDetailInvoice(invoice)}
-                        title="View"
-                        aria-label="View invoice"
-                      >
-                        <Eye size={16} />
-                      </button>
-                      <button
-                        type="button"
-                        className={`${tableStyles.controlBtn} ${tableStyles.controlBtnDanger}`}
-                        onClick={() => setRemoveTarget(invoice)}
-                        title="Remove"
-                        aria-label="Remove invoice"
-                      >
-                        <Trash2 size={16} />
-                      </button>
-                    </div>
-                  </td>
-                </tr>
-              ))}
-            </tbody>
+            ) : null}
+            {invoices.map((invoice) => (
+              <tr key={invoice.id}>
+                <td className={tableStyles.td}>
+                  <div className={styles.itemTitle}>{invoice.name || `Invoice #${invoice.id}`}</div>
+                  <div className={tableStyles.subText}>
+                    {invoice.items?.length ?? 0} item{(invoice.items?.length ?? 0) === 1 ? '' : 's'}
+                  </div>
+                </td>
+                <td className={tableStyles.td}>{formatDate(invoice.issuedAt)}</td>
+                <td className={tableStyles.td}>
+                  <span className={`${styles.statusChip} ${styles[`status_${invoice.status}`]}`}>
+                    {statusLabel(invoice.status)}
+                  </span>
+                </td>
+                <td className={tableStyles.td}>{formatIrtPrice(invoice.total ?? 0)}</td>
+                <td className={tableStyles.td}>
+                  <div className={styles.linkRow}>
+                    <a
+                      className={styles.publicLink}
+                      href={invoicePublicUrl(invoice)}
+                      target="_blank"
+                      rel="noreferrer"
+                      title={invoicePublicUrl(invoice)}
+                    >
+                      {invoicePublicUrl(invoice).replace(/^https?:\/\//, '')}
+                    </a>
+                    <button
+                      type="button"
+                      className={styles.copyLinkBtn}
+                      onClick={() => void copyPublicLink(invoice)}
+                      title="Copy link"
+                      aria-label="Copy invoice link"
+                    >
+                      <Copy size={14} />
+                    </button>
+                  </div>
+                </td>
+                <td className={`${tableStyles.td} ${tableStyles.tdActions}`}>
+                  <div className={tableStyles.rowActions}>
+                    <button
+                      type="button"
+                      className={tableStyles.controlBtn}
+                      onClick={() => setDetailInvoice(invoice)}
+                      title="View"
+                      aria-label="View invoice"
+                    >
+                      <Eye size={16} />
+                    </button>
+                    <button
+                      type="button"
+                      className={`${tableStyles.controlBtn} ${tableStyles.controlBtnDanger}`}
+                      onClick={() => setRemoveTarget(invoice)}
+                      title="Remove"
+                      aria-label="Remove invoice"
+                    >
+                      <Trash2 size={16} />
+                    </button>
+                  </div>
+                </td>
+              </tr>
+            ))}
+          </tbody>
         </table>
       </div>
 
@@ -440,180 +272,6 @@ export function BusinessInvoicesPage() {
         </div>
       ) : null}
 
-      <Modal
-        open={createOpen}
-        title={`Issue invoice · ${businessName}`}
-        onClose={() => !submitting && setCreateOpen(false)}
-        xl
-      >
-        <div className={styles.metaGrid}>
-          <div className={tableStyles.field}>
-            <label htmlFor="invoice-name">Name (optional)</label>
-            <input
-              id="invoice-name"
-              value={invoiceName}
-              onChange={(e) => setInvoiceName(e.target.value)}
-              placeholder="e.g. Website redesign package"
-            />
-          </div>
-          <div className={tableStyles.field}>
-            <label htmlFor="invoice-notes">Notes</label>
-            <input
-              id="invoice-notes"
-              value={notes}
-              onChange={(e) => setNotes(e.target.value)}
-              placeholder="Optional notes for this invoice"
-            />
-          </div>
-        </div>
-
-        <div className={styles.templateBar}>
-          <div className={tableStyles.field}>
-            <label htmlFor="template-pick">Add from predefined</label>
-            <select
-              id="template-pick"
-              value={selectedTemplateId}
-              onChange={(e) => setSelectedTemplateId(e.target.value)}
-            >
-              <option value="">Select an item…</option>
-              {templates.map((template) => (
-                <option key={template.id} value={template.id}>
-                  {template.title} · {formatIrtPrice(template.price)}
-                </option>
-              ))}
-            </select>
-          </div>
-          <button
-            type="button"
-            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
-            onClick={addFromTemplate}
-            disabled={!selectedTemplateId}
-          >
-            <Plus size={16} />
-            Add item
-          </button>
-        </div>
-
-        {templates.length === 0 ? (
-          <p className={styles.templateHint}>
-            No predefined items yet. Manage them in{' '}
-            <Link to="/settings">Settings → Invoices</Link>, or add custom lines below.
-          </p>
-        ) : null}
-
-        <div className={styles.itemsStack}>
-          {draftItems.map((item, index) => (
-            <div key={item.key} className={styles.itemCard}>
-              <div className={styles.itemCardHeader}>
-                <span>Item {index + 1}</span>
-                <button
-                  type="button"
-                  className={styles.removeItemBtn}
-                  onClick={() => removeDraftItem(item.key)}
-                  disabled={draftItems.length <= 1}
-                  aria-label="Remove item"
-                  title="Remove item"
-                >
-                  <X size={16} />
-                </button>
-              </div>
-              <div className={styles.itemGrid}>
-                <div className={tableStyles.field}>
-                  <label>Title</label>
-                  <input
-                    value={item.title}
-                    onChange={(e) => updateDraftItem(item.key, { title: e.target.value })}
-                    placeholder="Service title"
-                  />
-                </div>
-                <div className={tableStyles.field}>
-                  <label>Duration</label>
-                  <input
-                    value={item.duration}
-                    onChange={(e) => updateDraftItem(item.key, { duration: e.target.value })}
-                    placeholder="e.g. 3 months"
-                  />
-                </div>
-                <div className={tableStyles.field}>
-                  <label>Worktime</label>
-                  <input
-                    value={item.worktime}
-                    onChange={(e) => updateDraftItem(item.key, { worktime: e.target.value })}
-                    placeholder="e.g. 40 hours"
-                  />
-                </div>
-                <div className={tableStyles.field}>
-                  <label>Price (IRT)</label>
-                  <input
-                    inputMode="numeric"
-                    value={item.price}
-                    onChange={(e) =>
-                      updateDraftItem(item.key, { price: formatIrtInput(e.target.value) })
-                    }
-                    placeholder="0"
-                  />
-                </div>
-                <div className={tableStyles.field}>
-                  <label>Discounted price (IRT)</label>
-                  <input
-                    inputMode="numeric"
-                    value={item.discountedPrice}
-                    onChange={(e) =>
-                      updateDraftItem(item.key, {
-                        discountedPrice: formatIrtInput(e.target.value),
-                      })
-                    }
-                    placeholder="Optional"
-                  />
-                </div>
-                <div className={`${tableStyles.field} ${styles.descField}`}>
-                  <label>Description</label>
-                  <textarea
-                    rows={2}
-                    value={item.description}
-                    onChange={(e) => updateDraftItem(item.key, { description: e.target.value })}
-                    placeholder="Optional details"
-                  />
-                </div>
-              </div>
-            </div>
-          ))}
-        </div>
-
-        <div className={styles.itemActions}>
-          <button
-            type="button"
-            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
-            onClick={addCustomItem}
-          >
-            <Pencil size={16} />
-            Add custom item
-          </button>
-          <div className={styles.createTotal}>Total: {formatIrtPrice(createTotal)}</div>
-        </div>
-
-        {formError ? <p className={styles.alertError}>{formError}</p> : null}
-
-        <div className={tableStyles.actionsRow}>
-          <button
-            type="button"
-            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
-            onClick={() => setCreateOpen(false)}
-            disabled={submitting}
-          >
-            Cancel
-          </button>
-          <button
-            type="button"
-            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
-            onClick={() => void handleCreate()}
-            disabled={submitting}
-          >
-            {submitting ? 'Issuing…' : 'Issue invoice'}
-          </button>
-        </div>
-      </Modal>
-
       <Modal
         open={!!detailInvoice}
         title={
@@ -669,8 +327,14 @@ export function BusinessInvoicesPage() {
               </div>
             </div>
 
+            {detailInvoice.topText && !isEmptyRichText(detailInvoice.topText) ? (
+              <div
+                className={styles.detailNotes}
+                dangerouslySetInnerHTML={{ __html: detailInvoice.topText }}
+              />
+            ) : null}
             {detailInvoice.notes ? (
-              <p className={styles.detailNotes}>{detailInvoice.notes}</p>
+              <p className={styles.detailNotes}>Notes: {detailInvoice.notes}</p>
             ) : null}
 
             <div className={styles.detailItems}>
@@ -679,8 +343,7 @@ export function BusinessInvoicesPage() {
                   <div className={styles.detailItemTop}>
                     <strong>{item.title}</strong>
                     <span>
-                      {item.discountedPrice !== null &&
-                      item.discountedPrice < item.price ? (
+                      {item.discountedPrice !== null && item.discountedPrice < item.price ? (
                         <>
                           <span className={styles.strike}>{formatIrtPrice(item.price)}</span>{' '}
                           {formatIrtPrice(item.discountedPrice)}
@@ -700,6 +363,35 @@ export function BusinessInvoicesPage() {
                 </div>
               ))}
             </div>
+
+            {(detailInvoice.keyPoints?.length ?? 0) > 0 ? (
+              <div className={styles.blockSection}>
+                <h4 className={styles.blockTitle}>Key points</h4>
+                <ul className={styles.keyPointList}>
+                  {detailInvoice.keyPoints!.map((kp) => (
+                    <li key={kp.id}>{kp.text}</li>
+                  ))}
+                </ul>
+              </div>
+            ) : null}
+
+            {(detailInvoice.accounts?.length ?? 0) > 0 ? (
+              <div className={styles.blockSection}>
+                <h4 className={styles.blockTitle}>Accounts</h4>
+                <div className={styles.detailItems}>
+                  {detailInvoice.accounts!.map((acc) => (
+                    <div key={acc.id} className={styles.detailItem}>
+                      <strong>{acc.bankName}</strong>
+                      <div className={styles.detailItemMeta}>
+                        {acc.accountHolderName ? <span>{acc.accountHolderName}</span> : null}
+                        {acc.cardNumber ? <span>Card: {acc.cardNumber}</span> : null}
+                        {acc.iban ? <span>IBAN: {acc.iban}</span> : null}
+                      </div>
+                    </div>
+                  ))}
+                </div>
+              </div>
+            ) : null}
           </>
         ) : null}
       </Modal>
diff --git a/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx b/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx
new file mode 100644
index 0000000..31a5a05
--- /dev/null
+++ b/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx
@@ -0,0 +1,199 @@
+import { useEffect, useState } from 'react'
+import { Link, useNavigate, useParams } from 'react-router-dom'
+import { ArrowLeft } from 'lucide-react'
+import { InvoiceDraftFields } from '../components/InvoiceDraftFields'
+import { isEmptyRichText, RichTextEditor } from '../components/RichTextEditor'
+import { useToast } from '../context/ToastContext'
+import { ApiError, isAbortError } from '../lib/api'
+import {
+  createInvoiceTemplate,
+  getInvoiceTemplate,
+  listInvoiceItemTemplates,
+  updateInvoiceTemplate,
+} from '../services/invoiceService'
+import type { InvoiceItemTemplate } from '../types/invoice'
+import {
+  buildAccountsPayload,
+  buildKeyPointsPayload,
+  buildTemplateItemsPayload,
+  draftsFromInvoiceTemplate,
+  emptyDraftItem,
+  type DraftAccount,
+  type DraftKeyPoint,
+  type DraftLineItem,
+} from '../utils/invoiceDraft'
+import pageStyles from '../components/PageContent.module.css'
+import tableStyles from './BusinessesPage.module.css'
+import invoiceStyles from './BusinessInvoicesPage.module.css'
+import styles from './SettingsPage.module.css'
+
+export function InvoiceTemplateEditorPage() {
+  const { templateId } = useParams()
+  const isEdit = Boolean(templateId)
+  const navigate = useNavigate()
+  const { showToast } = useToast()
+
+  const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [loading, setLoading] = useState(isEdit)
+  const [error, setError] = useState('')
+  const [name, setName] = useState('')
+  const [topText, setTopText] = useState('')
+  const [items, setItems] = useState<DraftLineItem[]>([emptyDraftItem()])
+  const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
+  const [accounts, setAccounts] = useState<DraftAccount[]>([])
+  const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [submitting, setSubmitting] = useState(false)
+  const [formError, setFormError] = useState('')
+
+  useEffect(() => {
+    const controller = new AbortController()
+
+    async function load() {
+      setLoading(true)
+      setError('')
+      try {
+        const itemsRes = await listInvoiceItemTemplates(controller.signal)
+        setItemTemplates(itemsRes.items.filter((t) => t.isActive))
+
+        if (templateId) {
+          const template = await getInvoiceTemplate(templateId, controller.signal)
+          const drafts = draftsFromInvoiceTemplate(template)
+          setName(drafts.name)
+          setTopText(drafts.topText)
+          setItems(drafts.items)
+          setKeyPoints(drafts.keyPoints)
+          setAccounts(drafts.accounts)
+        }
+      } catch (err) {
+        if (isAbortError(err)) return
+        setError(err instanceof ApiError ? err.message : 'Unable to load template editor.')
+      } finally {
+        setLoading(false)
+      }
+    }
+
+    void load()
+    return () => controller.abort()
+  }, [templateId])
+
+  async function handleSave() {
+    setFormError('')
+    if (!name.trim()) {
+      setFormError('Template name is required.')
+      return
+    }
+    let lineItems
+    try {
+      lineItems = buildTemplateItemsPayload(items)
+    } catch (err) {
+      setFormError(err instanceof Error ? err.message : 'Invalid line items.')
+      return
+    }
+
+    const payload = {
+      name: name.trim(),
+      topText: isEmptyRichText(topText) ? undefined : topText,
+      items: lineItems,
+      keyPoints: buildKeyPointsPayload(keyPoints),
+      accounts: buildAccountsPayload(accounts),
+    }
+
+    setSubmitting(true)
+    try {
+      if (templateId) {
+        await updateInvoiceTemplate(templateId, payload)
+        showToast('Invoice template updated.', 'success')
+      } else {
+        await createInvoiceTemplate(payload)
+        showToast('Invoice template created.', 'success')
+      }
+      navigate('/settings')
+    } catch (err) {
+      setFormError(err instanceof ApiError ? err.message : 'Unable to save invoice template.')
+    } finally {
+      setSubmitting(false)
+    }
+  }
+
+  return (
+    <main className={pageStyles.content}>
+      <div className={pageStyles.pageHeader}>
+        <div>
+          <Link to="/settings" className={invoiceStyles.backLink}>
+            <ArrowLeft size={16} />
+            Back to settings
+          </Link>
+          <h2 className={pageStyles.pageTitle}>
+            {isEdit ? 'Edit invoice template' : 'Add invoice template'}
+          </h2>
+          <p className={pageStyles.pageSubtitle}>
+            Define name, top text, line items, key points, and bank accounts for reuse when issuing
+            invoices.
+          </p>
+        </div>
+      </div>
+
+      {error ? <p className={styles.alertError}>{error}</p> : null}
+      {loading ? <p className={tableStyles.meta}>Loading…</p> : null}
+
+      {!loading ? (
+        <section className={styles.section}>
+          <div className={invoiceStyles.metaGrid}>
+            <div className={`${tableStyles.field} ${styles.span2}`}>
+              <label htmlFor="tpl-name">Name</label>
+              <input
+                id="tpl-name"
+                value={name}
+                onChange={(e) => setName(e.target.value)}
+                placeholder="e.g. Standard website package"
+              />
+            </div>
+          </div>
+
+          <div className={`${tableStyles.field} ${invoiceStyles.fullField}`}>
+            <label>Top text</label>
+            <RichTextEditor
+              value={topText}
+              onChange={setTopText}
+              placeholder="Optional intro shown at the top of the invoice"
+              editorMinHeight={88}
+            />
+          </div>
+
+          <InvoiceDraftFields
+            itemTemplates={itemTemplates}
+            items={items}
+            keyPoints={keyPoints}
+            accounts={accounts}
+            selectedItemTemplateId={selectedItemTemplateId}
+            onSelectedItemTemplateId={setSelectedItemTemplateId}
+            onItemsChange={setItems}
+            onKeyPointsChange={setKeyPoints}
+            onAccountsChange={setAccounts}
+          />
+
+          {formError ? <p className={styles.alertError}>{formError}</p> : null}
+
+          <div className={tableStyles.actionsRow}>
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+              onClick={() => navigate('/settings')}
+              disabled={submitting}
+            >
+              Cancel
+            </button>
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+              onClick={() => void handleSave()}
+              disabled={submitting}
+            >
+              {submitting ? 'Saving…' : isEdit ? 'Save changes' : 'Create template'}
+            </button>
+          </div>
+        </section>
+      ) : null}
+    </main>
+  )
+}
diff --git a/apps/super-admin/src/pages/IssueInvoicePage.tsx b/apps/super-admin/src/pages/IssueInvoicePage.tsx
new file mode 100644
index 0000000..d3031e6
--- /dev/null
+++ b/apps/super-admin/src/pages/IssueInvoicePage.tsx
@@ -0,0 +1,278 @@
+import { useEffect, useMemo, useState } from 'react'
+import { Link, useNavigate, useParams } from 'react-router-dom'
+import { ArrowLeft } from 'lucide-react'
+import { InvoiceDraftFields } from '../components/InvoiceDraftFields'
+import { isEmptyRichText, RichTextEditor } from '../components/RichTextEditor'
+import { useToast } from '../context/ToastContext'
+import { ApiError, isAbortError } from '../lib/api'
+import { getBusiness, type BusinessDetail } from '../services/businessService'
+import {
+  createBusinessInvoice,
+  listInvoiceItemTemplates,
+  listInvoiceTemplates,
+} from '../services/invoiceService'
+import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
+import {
+  buildAccountsPayload,
+  buildKeyPointsPayload,
+  buildLineItemsPayload,
+  draftsFromInvoiceTemplate,
+  emptyDraftItem,
+  type DraftAccount,
+  type DraftKeyPoint,
+  type DraftLineItem,
+} from '../utils/invoiceDraft'
+import { formatIrtPrice, parseIrtInput } from '../utils/irtPrice'
+import pageStyles from '../components/PageContent.module.css'
+import tableStyles from './BusinessesPage.module.css'
+import styles from './BusinessInvoicesPage.module.css'
+import settingsStyles from './SettingsPage.module.css'
+
+function effectivePrice(price: number, discountedPrice: number | null | undefined) {
+  if (discountedPrice !== null && discountedPrice !== undefined && discountedPrice < price) {
+    return discountedPrice
+  }
+  return price
+}
+
+export function IssueInvoicePage() {
+  const { businessId = '' } = useParams()
+  const navigate = useNavigate()
+  const { showToast } = useToast()
+
+  const [business, setBusiness] = useState<BusinessDetail | null>(null)
+  const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
+  const [loading, setLoading] = useState(true)
+  const [error, setError] = useState('')
+
+  const [sourceTemplateId, setSourceTemplateId] = useState('')
+  const [invoiceTemplateId, setInvoiceTemplateId] = useState<string | undefined>()
+  const [invoiceName, setInvoiceName] = useState('')
+  const [topText, setTopText] = useState('')
+  const [notes, setNotes] = useState('')
+  const [draftItems, setDraftItems] = useState<DraftLineItem[]>([emptyDraftItem()])
+  const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
+  const [accounts, setAccounts] = useState<DraftAccount[]>([])
+  const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [submitting, setSubmitting] = useState(false)
+  const [formError, setFormError] = useState('')
+
+  const listPath = `/businesses/${businessId}/invoices`
+  const businessName = business?.nameFa || business?.name || 'Business'
+
+  const createTotal = useMemo(() => {
+    return draftItems.reduce((sum, item) => {
+      const price = parseIrtInput(item.price) ?? 0
+      const discounted = item.discountedPrice.trim()
+        ? parseIrtInput(item.discountedPrice)
+        : null
+      return sum + effectivePrice(price, discounted)
+    }, 0)
+  }, [draftItems])
+
+  useEffect(() => {
+    const controller = new AbortController()
+
+    async function load() {
+      setLoading(true)
+      setError('')
+      try {
+        const [biz, items, templates] = await Promise.all([
+          getBusiness(businessId, controller.signal),
+          listInvoiceItemTemplates(controller.signal),
+          listInvoiceTemplates(controller.signal),
+        ])
+        setBusiness(biz)
+        setItemTemplates(items.items.filter((t) => t.isActive))
+        setInvoiceTemplates(templates.items.filter((t) => t.isActive))
+      } catch (err) {
+        if (isAbortError(err)) return
+        setError(err instanceof ApiError ? err.message : 'Unable to load invoice form.')
+      } finally {
+        setLoading(false)
+      }
+    }
+
+    void load()
+    return () => controller.abort()
+  }, [businessId])
+
+  function resetBlankDraft() {
+    setSourceTemplateId('')
+    setInvoiceTemplateId(undefined)
+    setInvoiceName('')
+    setTopText('')
+    setNotes('')
+    setDraftItems([emptyDraftItem()])
+    setKeyPoints([])
+    setAccounts([])
+    setSelectedItemTemplateId('')
+    setFormError('')
+  }
+
+  function applyInvoiceTemplate(templateId: string) {
+    setSourceTemplateId(templateId)
+    if (!templateId) {
+      resetBlankDraft()
+      return
+    }
+    const template = invoiceTemplates.find((t) => t.id === templateId)
+    if (!template) return
+    const drafts = draftsFromInvoiceTemplate(template)
+    setInvoiceTemplateId(template.id)
+    setInvoiceName(drafts.name)
+    setTopText(drafts.topText)
+    setDraftItems(drafts.items)
+    setKeyPoints(drafts.keyPoints)
+    setAccounts(drafts.accounts)
+    setSelectedItemTemplateId('')
+    setFormError('')
+  }
+
+  async function handleCreate() {
+    setFormError('')
+    let items
+    try {
+      items = buildLineItemsPayload(draftItems)
+    } catch (err) {
+      setFormError(err instanceof Error ? err.message : 'Invalid invoice items.')
+      return
+    }
+
+    setSubmitting(true)
+    try {
+      await createBusinessInvoice(businessId, {
+        items,
+        name: invoiceName.trim() || undefined,
+        topText: isEmptyRichText(topText) ? undefined : topText,
+        notes: notes.trim() || undefined,
+        invoiceTemplateId,
+        keyPoints: buildKeyPointsPayload(keyPoints),
+        accounts: buildAccountsPayload(accounts),
+      })
+      showToast('Invoice issued.', 'success')
+      navigate(listPath)
+    } catch (err) {
+      setFormError(err instanceof ApiError ? err.message : 'Unable to create invoice.')
+    } finally {
+      setSubmitting(false)
+    }
+  }
+
+  return (
+    <main className={pageStyles.content}>
+      <div className={pageStyles.pageHeader}>
+        <div>
+          <Link to={listPath} className={styles.backLink}>
+            <ArrowLeft size={16} />
+            Back to invoices
+          </Link>
+          <h2 className={pageStyles.pageTitle}>Issue invoice · {businessName}</h2>
+          <p className={pageStyles.pageSubtitle}>
+            Select an invoice template and edit it for this business, or create a blank invoice.
+          </p>
+        </div>
+      </div>
+
+      {error ? <p className={styles.alertError}>{error}</p> : null}
+      {loading ? <p className={tableStyles.meta}>Loading…</p> : null}
+
+      {!loading ? (
+        <section className={settingsStyles.section}>
+          <div className={styles.metaGrid}>
+            <div className={tableStyles.field}>
+              <label htmlFor="source-template">Start from template</label>
+              <select
+                id="source-template"
+                value={sourceTemplateId}
+                onChange={(e) => applyInvoiceTemplate(e.target.value)}
+              >
+                <option value="">Blank invoice</option>
+                {invoiceTemplates.map((template) => (
+                  <option key={template.id} value={template.id}>
+                    {template.name} · {template.items.length} items
+                  </option>
+                ))}
+              </select>
+            </div>
+            <div className={tableStyles.field}>
+              <label htmlFor="invoice-name">Name (optional)</label>
+              <input
+                id="invoice-name"
+                value={invoiceName}
+                onChange={(e) => setInvoiceName(e.target.value)}
+                placeholder="e.g. Website redesign package"
+              />
+            </div>
+          </div>
+
+          {invoiceTemplates.length === 0 ? (
+            <p className={styles.templateHint}>
+              No invoice templates yet. Manage them in{' '}
+              <Link to="/settings">Settings → Invoice templates</Link>, or fill a blank invoice
+              below.
+            </p>
+          ) : null}
+
+          <div className={`${tableStyles.field} ${styles.fullField}`}>
+            <label>Top text</label>
+            <RichTextEditor
+              value={topText}
+              onChange={setTopText}
+              placeholder="Optional intro text at the top of the invoice"
+              editorMinHeight={88}
+            />
+          </div>
+
+          <div className={`${tableStyles.field} ${styles.fullField}`}>
+            <label htmlFor="invoice-notes">Notes</label>
+            <input
+              id="invoice-notes"
+              value={notes}
+              onChange={(e) => setNotes(e.target.value)}
+              placeholder="Optional internal notes"
+            />
+          </div>
+
+          <InvoiceDraftFields
+            itemTemplates={itemTemplates}
+            items={draftItems}
+            keyPoints={keyPoints}
+            accounts={accounts}
+            selectedItemTemplateId={selectedItemTemplateId}
+            onSelectedItemTemplateId={setSelectedItemTemplateId}
+            onItemsChange={setDraftItems}
+            onKeyPointsChange={setKeyPoints}
+            onAccountsChange={setAccounts}
+          />
+
+          <div className={styles.createTotalRow}>
+            <div className={styles.createTotal}>Total: {formatIrtPrice(createTotal)}</div>
+          </div>
+
+          {formError ? <p className={styles.alertError}>{formError}</p> : null}
+
+          <div className={tableStyles.actionsRow}>
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+              onClick={() => navigate(listPath)}
+              disabled={submitting}
+            >
+              Cancel
+            </button>
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+              onClick={() => void handleCreate()}
+              disabled={submitting}
+            >
+              {submitting ? 'Issuing…' : 'Issue invoice'}
+            </button>
+          </div>
+        </section>
+      ) : null}
+    </main>
+  )
+}
diff --git a/apps/super-admin/src/pages/PublicInvoicePage.module.css b/apps/super-admin/src/pages/PublicInvoicePage.module.css
new file mode 100644
index 0000000..08dbd82
--- /dev/null
+++ b/apps/super-admin/src/pages/PublicInvoicePage.module.css
@@ -0,0 +1,393 @@
+.page {
+  min-height: 100vh;
+  padding: 20px 16px 40px;
+  background:
+    radial-gradient(ellipse 70% 55% at 8% 0%, rgba(56, 189, 248, 0.22), transparent 55%),
+    radial-gradient(ellipse 55% 45% at 92% 8%, rgba(167, 139, 250, 0.18), transparent 50%),
+    radial-gradient(ellipse 50% 40% at 50% 100%, rgba(52, 211, 153, 0.12), transparent 55%),
+    linear-gradient(165deg, #e8f1ff 0%, #eef2ff 42%, #f3f7fb 100%);
+}
+
+.toolbar {
+  width: 100%;
+  max-width: 820px;
+  margin: 12px auto 0;
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  flex-wrap: wrap;
+}
+
+.toolbarHint {
+  margin: 0;
+  font-size: 12px;
+  color: var(--text-secondary, #64748b);
+  flex: 1;
+  min-width: 180px;
+}
+
+.printBtn {
+  display: inline-flex;
+  align-items: center;
+  gap: 8px;
+  height: var(--field-height, 38px);
+  padding: 0 14px;
+  border-radius: var(--radius-sm, 12px);
+  border: none;
+  background: var(--primary, #0a1628);
+  color: #fff;
+  font-size: 13px;
+  font-weight: 600;
+  cursor: pointer;
+  flex-shrink: 0;
+}
+
+.printBtn:hover {
+  background: var(--primary-dark, #050b14);
+}
+
+.sheet {
+  width: 100%;
+  max-width: 820px;
+  margin: 0 auto;
+  padding: 20px 22px 22px;
+  background: rgba(255, 255, 255, 0.55);
+  backdrop-filter: blur(22px);
+  -webkit-backdrop-filter: blur(22px);
+  border: 1px solid rgba(255, 255, 255, 0.7);
+  border-radius: 16px;
+  box-shadow: 0 14px 40px rgba(15, 23, 42, 0.07);
+}
+
+.header {
+  margin-bottom: 14px;
+  padding-bottom: 12px;
+  border-bottom: 1px solid rgba(148, 163, 184, 0.22);
+}
+
+.title {
+  margin: 0 0 4px;
+  font-size: 22px;
+  font-weight: 700;
+  line-height: 1.25;
+  color: var(--text-primary, #0f172a);
+}
+
+.meta {
+  margin: 0;
+  font-size: 12px;
+  color: var(--text-secondary, #64748b);
+}
+
+.topText {
+  margin-bottom: 14px;
+  font-size: 13px;
+  line-height: 1.5;
+  color: var(--text-secondary, #475569);
+}
+
+.topText p {
+  margin: 0 0 0.4em;
+}
+
+.topText p:last-child {
+  margin-bottom: 0;
+}
+
+.section {
+  margin-top: 14px;
+  break-inside: avoid;
+  page-break-inside: avoid;
+}
+
+.sectionTitle {
+  margin: 0 0 8px;
+  font-size: 13px;
+  font-weight: 700;
+  color: var(--text-primary, #0f172a);
+}
+
+.items {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+}
+
+.item {
+  display: flex;
+  justify-content: space-between;
+  gap: 12px;
+  padding: 8px 12px;
+  border: 1px solid rgba(148, 163, 184, 0.22);
+  border-radius: 10px;
+  background: rgba(255, 255, 255, 0.45);
+  backdrop-filter: blur(10px);
+  -webkit-backdrop-filter: blur(10px);
+  break-inside: avoid;
+  page-break-inside: avoid;
+}
+
+.itemMain {
+  min-width: 0;
+  flex: 1;
+}
+
+.itemTitle {
+  margin: 0 0 2px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--text-primary, #0f172a);
+}
+
+.itemDesc {
+  margin: 0 0 4px;
+  font-size: 12px;
+  color: var(--text-secondary, #64748b);
+  line-height: 1.4;
+}
+
+.itemMeta {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 8px;
+  font-size: 11px;
+  color: var(--text-muted, #94a3b8);
+}
+
+.itemPrice {
+  display: flex;
+  flex-direction: column;
+  align-items: flex-end;
+  gap: 1px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--text-primary, #0f172a);
+  white-space: nowrap;
+}
+
+.priceWas {
+  font-size: 11px;
+  font-weight: 500;
+  color: var(--text-muted, #94a3b8);
+  text-decoration: line-through;
+}
+
+.totals {
+  margin-top: 8px;
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+  align-items: flex-end;
+  font-size: 12px;
+  color: var(--text-secondary, #64748b);
+  break-inside: avoid;
+  page-break-inside: avoid;
+}
+
+.totals > div {
+  display: flex;
+  gap: 20px;
+  min-width: 200px;
+  justify-content: space-between;
+}
+
+.totalRow {
+  font-size: 14px;
+  color: var(--text-primary, #0f172a);
+}
+
+.keyPoints {
+  margin: 0;
+  padding-left: 16px;
+  font-size: 12px;
+  line-height: 1.45;
+  color: var(--text-secondary, #475569);
+}
+
+.accounts {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+}
+
+.account {
+  padding: 8px 12px;
+  border: 1px solid rgba(148, 163, 184, 0.22);
+  border-radius: 10px;
+  background: rgba(255, 255, 255, 0.45);
+  backdrop-filter: blur(10px);
+  -webkit-backdrop-filter: blur(10px);
+  break-inside: avoid;
+  page-break-inside: avoid;
+}
+
+.accountBank {
+  display: block;
+  font-size: 13px;
+  font-weight: 700;
+  color: var(--text-primary, #0f172a);
+}
+
+.accountDetails {
+  margin: 4px 0 0;
+  font-size: 12px;
+  line-height: 1.4;
+  color: var(--text-secondary, #475569);
+  white-space: nowrap;
+  overflow: hidden;
+  text-overflow: ellipsis;
+}
+
+.footer {
+  margin-top: 18px;
+  padding-top: 14px;
+  border-top: 1px solid rgba(148, 163, 184, 0.22);
+  display: flex;
+  justify-content: center;
+  break-inside: avoid;
+  page-break-inside: avoid;
+}
+
+.footerLink {
+  display: inline-flex;
+  flex-direction: row;
+  align-items: center;
+  gap: 8px;
+  text-decoration: none;
+  color: inherit;
+}
+
+.footerLink:hover .footerName {
+  color: var(--primary, #0a1628);
+}
+
+.footerLogo {
+  width: 28px;
+  height: 28px;
+  object-fit: contain;
+  flex-shrink: 0;
+}
+
+.footerLabel {
+  font-size: 11px;
+  font-weight: 500;
+  color: var(--text-muted, #94a3b8);
+  white-space: nowrap;
+}
+
+.footerName {
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--text-secondary, #475569);
+  white-space: nowrap;
+}
+
+.muted {
+  margin: 0;
+  font-size: 14px;
+  color: var(--text-secondary, #64748b);
+}
+
+.error {
+  margin: 0;
+  padding: 12px 14px;
+  border-radius: 10px;
+  font-size: 13px;
+  background: rgba(239, 68, 68, 0.08);
+  border: 1px solid rgba(239, 68, 68, 0.25);
+  color: #b91c1c;
+}
+
+@media (max-width: 640px) {
+  .sheet {
+    padding: 16px 14px 18px;
+  }
+
+  .item {
+    flex-direction: column;
+  }
+
+  .itemPrice {
+    align-items: flex-start;
+  }
+
+  .accountDetails {
+    white-space: normal;
+  }
+}
+
+/* —— Print / Save as PDF —— */
+@media print {
+  @page {
+    size: A4;
+    margin: 12mm 11mm;
+  }
+
+  :global(html),
+  :global(body) {
+    background: #fff !important;
+    print-color-adjust: exact;
+    -webkit-print-color-adjust: exact;
+  }
+
+  .page {
+    min-height: 0;
+    padding: 0;
+    background: #fff !important;
+  }
+
+  .toolbar {
+    display: none !important;
+  }
+
+  .sheet {
+    max-width: none;
+    margin: 0;
+    padding: 0;
+    border: none;
+    border-radius: 0;
+    box-shadow: none;
+    background: #fff !important;
+    backdrop-filter: none;
+    -webkit-backdrop-filter: none;
+  }
+
+  .header {
+    border-bottom-color: #cbd5e1;
+  }
+
+  .item,
+  .account {
+    background: #fff !important;
+    border-color: #cbd5e1;
+    box-shadow: none;
+    backdrop-filter: none;
+    -webkit-backdrop-filter: none;
+  }
+
+  .itemPrice,
+  .totals,
+  .totalRow {
+    color: #0f172a;
+  }
+
+  .footer {
+    margin-top: 16px;
+  }
+
+  .footerLink {
+    color: inherit;
+  }
+
+  .accountDetails {
+    white-space: normal;
+    overflow: visible;
+    text-overflow: unset;
+  }
+
+  :global(a) {
+    color: inherit;
+    text-decoration: none;
+  }
+}
diff --git a/apps/super-admin/src/pages/PublicInvoicePage.tsx b/apps/super-admin/src/pages/PublicInvoicePage.tsx
new file mode 100644
index 0000000..8a9179f
--- /dev/null
+++ b/apps/super-admin/src/pages/PublicInvoicePage.tsx
@@ -0,0 +1,191 @@
+import { useEffect, useState } from 'react'
+import { useParams } from 'react-router-dom'
+import { FileDown } from 'lucide-react'
+import meshkeeLogo from '../assets/meshkee-logo.png'
+import { isEmptyRichText } from '../components/RichTextEditor'
+import { ApiError, isAbortError } from '../lib/api'
+import { getPlatformMarketingUrl } from '../lib/config'
+import { getPublicInvoice } from '../services/invoiceService'
+import type { PublicInvoice } from '../types/invoice'
+import { formatIrtPrice } from '../utils/irtPrice'
+import styles from './PublicInvoicePage.module.css'
+
+function formatDate(value: string) {
+  const d = new Date(value)
+  if (Number.isNaN(d.getTime())) return value
+  return d.toLocaleDateString('en-US', {
+    year: 'numeric',
+    month: 'long',
+    day: 'numeric',
+  })
+}
+
+export function PublicInvoicePage() {
+  const { invoiceId = '' } = useParams()
+  const [invoice, setInvoice] = useState<PublicInvoice | null>(null)
+  const [loading, setLoading] = useState(true)
+  const [error, setError] = useState('')
+  const marketingUrl = getPlatformMarketingUrl()
+
+  useEffect(() => {
+    if (!invoiceId) return
+    const controller = new AbortController()
+    setLoading(true)
+    setError('')
+    void getPublicInvoice(invoiceId, controller.signal)
+      .then((data) => setInvoice(data))
+      .catch((err) => {
+        if (isAbortError(err)) return
+        setError(err instanceof ApiError ? err.message : 'Unable to load invoice.')
+        setInvoice(null)
+      })
+      .finally(() => setLoading(false))
+    return () => controller.abort()
+  }, [invoiceId])
+
+  useEffect(() => {
+    if (!invoice) return
+    const previous = document.title
+    document.title = invoice.name?.trim() || `Invoice #${invoice.id}`
+    return () => {
+      document.title = previous
+    }
+  }, [invoice])
+
+  function handlePrint() {
+    window.print()
+  }
+
+  return (
+    <div className={styles.page} lang="en">
+      <div className={styles.sheet}>
+        {loading ? <p className={styles.muted}>Loading invoice…</p> : null}
+        {error ? <p className={styles.error}>{error}</p> : null}
+
+        {invoice ? (
+          <>
+            <header className={styles.header}>
+              <h1 className={styles.title}>{invoice.name || `Invoice #${invoice.id}`}</h1>
+              <p className={styles.meta}>
+                Issued {formatDate(invoice.issuedAt)}
+                {invoice.business?.name ? ` · ${invoice.business.name}` : ''}
+              </p>
+            </header>
+
+            {invoice.topText && !isEmptyRichText(invoice.topText) ? (
+              <div
+                className={styles.topText}
+                dangerouslySetInnerHTML={{ __html: invoice.topText }}
+              />
+            ) : null}
+
+            <section className={styles.section}>
+              <h2 className={styles.sectionTitle}>Items</h2>
+              <div className={styles.items}>
+                {(invoice.items ?? []).map((item) => {
+                  const effective =
+                    item.discountedPrice !== null &&
+                    item.discountedPrice !== undefined &&
+                    item.discountedPrice < item.price
+                      ? item.discountedPrice
+                      : item.price
+                  return (
+                    <article key={item.id} className={styles.item}>
+                      <div className={styles.itemMain}>
+                        <h3 className={styles.itemTitle}>{item.title}</h3>
+                        {item.description ? (
+                          <p className={styles.itemDesc}>{item.description}</p>
+                        ) : null}
+                        <div className={styles.itemMeta}>
+                          {item.duration ? <span>{item.duration}</span> : null}
+                          {item.worktime ? <span>{item.worktime}</span> : null}
+                        </div>
+                      </div>
+                      <div className={styles.itemPrice}>
+                        {item.discountedPrice !== null &&
+                        item.discountedPrice !== undefined &&
+                        item.discountedPrice < item.price ? (
+                          <span className={styles.priceWas}>{formatIrtPrice(item.price)}</span>
+                        ) : null}
+                        <span>{formatIrtPrice(effective)}</span>
+                      </div>
+                    </article>
+                  )
+                })}
+              </div>
+              <div className={styles.totals}>
+                <div>
+                  <span>Subtotal</span>
+                  <strong>{formatIrtPrice(invoice.subtotal ?? 0)}</strong>
+                </div>
+                <div className={styles.totalRow}>
+                  <span>Total</span>
+                  <strong>{formatIrtPrice(invoice.total ?? 0)}</strong>
+                </div>
+              </div>
+            </section>
+
+            {(invoice.keyPoints?.length ?? 0) > 0 ? (
+              <section className={styles.section}>
+                <h2 className={styles.sectionTitle}>Key points</h2>
+                <ul className={styles.keyPoints}>
+                  {invoice.keyPoints!.map((kp) => (
+                    <li key={kp.id}>{kp.text}</li>
+                  ))}
+                </ul>
+              </section>
+            ) : null}
+
+            {(invoice.accounts?.length ?? 0) > 0 ? (
+              <section className={styles.section}>
+                <h2 className={styles.sectionTitle}>Account numbers</h2>
+                <div className={styles.accounts}>
+                  {invoice.accounts!.map((acc) => {
+                    const details = [
+                      acc.accountHolderName,
+                      acc.cardNumber ? `Card: ${acc.cardNumber}` : null,
+                      acc.iban ? `IBAN: ${acc.iban}` : null,
+                    ].filter(Boolean)
+                    return (
+                      <div key={acc.id} className={styles.account}>
+                        <strong className={styles.accountBank}>{acc.bankName}</strong>
+                        {details.length > 0 ? (
+                          <p className={styles.accountDetails}>{details.join(' · ')}</p>
+                        ) : null}
+                      </div>
+                    )
+                  })}
+                </div>
+              </section>
+            ) : null}
+
+            <footer className={styles.footer}>
+              <a
+                className={styles.footerLink}
+                href={marketingUrl}
+                target="_blank"
+                rel="noreferrer"
+              >
+                <img src={meshkeeLogo} alt="" className={styles.footerLogo} />
+                <span className={styles.footerLabel}>Issued by</span>
+                <span className={styles.footerName}>Meshkee E-Commerce Group</span>
+              </a>
+            </footer>
+          </>
+        ) : null}
+      </div>
+
+      {invoice ? (
+        <div className={styles.toolbar}>
+          <p className={styles.toolbarHint}>
+            Save as PDF from the print dialog (Destination → Save as PDF).
+          </p>
+          <button type="button" className={styles.printBtn} onClick={handlePrint}>
+            <FileDown size={16} aria-hidden />
+            Print to PDF
+          </button>
+        </div>
+      ) : null}
+    </div>
+  )
+}
diff --git a/apps/super-admin/src/pages/SettingsPage.module.css b/apps/super-admin/src/pages/SettingsPage.module.css
index 4bc9054..c7f46f0 100644
--- a/apps/super-admin/src/pages/SettingsPage.module.css
+++ b/apps/super-admin/src/pages/SettingsPage.module.css
@@ -8,6 +8,10 @@
   box-shadow: var(--glass-shadow);
 }
 
+.sectionSpaced {
+  margin-top: 16px;
+}
+
 .sectionHeader {
   display: flex;
   align-items: flex-start;
@@ -45,6 +49,13 @@
   font-weight: 600;
 }
 
+.topTextPreview {
+  max-width: 420px;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
 .emptyState {
   display: flex;
   align-items: center;
diff --git a/apps/super-admin/src/pages/SettingsPage.tsx b/apps/super-admin/src/pages/SettingsPage.tsx
index 8925072..45e5b0e 100644
--- a/apps/super-admin/src/pages/SettingsPage.tsx
+++ b/apps/super-admin/src/pages/SettingsPage.tsx
@@ -1,23 +1,26 @@
 import { useEffect, useState } from 'react'
-import { Link } from 'react-router-dom'
-import { FileText, Pencil, Plus, Settings as SettingsIcon, Trash2 } from 'lucide-react'
+import { Link, useNavigate } from 'react-router-dom'
+import { FileStack, FileText, Pencil, Plus, Settings as SettingsIcon, Trash2 } from 'lucide-react'
 import { ConfirmDeleteModal } from '../components/ConfirmDeleteModal'
 import { Modal } from '../components/Modal'
+import { isEmptyRichText, richTextToPlain } from '../components/RichTextEditor'
 import { useToast } from '../context/ToastContext'
 import { ApiError, isAbortError } from '../lib/api'
 import {
   createInvoiceItemTemplate,
   deleteInvoiceItemTemplate,
+  deleteInvoiceTemplate,
   listInvoiceItemTemplates,
+  listInvoiceTemplates,
   updateInvoiceItemTemplate,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate } from '../types/invoice'
+import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
 import { formatIrtInput, formatIrtPrice, parseIrtInput } from '../utils/irtPrice'
 import pageStyles from '../components/PageContent.module.css'
 import tableStyles from './BusinessesPage.module.css'
 import styles from './SettingsPage.module.css'
 
-type TemplateDraft = {
+type ItemDraft = {
   title: string
   duration: string
   worktime: string
@@ -26,7 +29,7 @@ type TemplateDraft = {
   discountedPrice: string
 }
 
-const EMPTY_DRAFT: TemplateDraft = {
+const EMPTY_ITEM_DRAFT: ItemDraft = {
   title: '',
   duration: '',
   worktime: '',
@@ -35,7 +38,7 @@ const EMPTY_DRAFT: TemplateDraft = {
   discountedPrice: '',
 }
 
-function draftFromTemplate(t: InvoiceItemTemplate): TemplateDraft {
+function itemDraftFromTemplate(t: InvoiceItemTemplate): ItemDraft {
   return {
     title: t.title,
     duration: t.duration ?? '',
@@ -49,14 +52,10 @@ function draftFromTemplate(t: InvoiceItemTemplate): TemplateDraft {
   }
 }
 
-function toPayload(draft: TemplateDraft) {
+function itemDraftToPayload(draft: ItemDraft) {
   const price = parseIrtInput(draft.price)
-  if (!draft.title.trim()) {
-    throw new Error('Title is required.')
-  }
-  if (price === null) {
-    throw new Error('Price is required.')
-  }
+  if (!draft.title.trim()) throw new Error('Title is required.')
+  if (price === null) throw new Error('Price is required.')
   const discountedPrice = draft.discountedPrice.trim()
     ? parseIrtInput(draft.discountedPrice)
     : null
@@ -77,27 +76,34 @@ function toPayload(draft: TemplateDraft) {
 }
 
 export function SettingsPage() {
+  const navigate = useNavigate()
   const { showToast } = useToast()
-  const [templates, setTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
   const [loading, setLoading] = useState(false)
   const [error, setError] = useState('')
 
-  const [editorOpen, setEditorOpen] = useState(false)
-  const [editing, setEditing] = useState<InvoiceItemTemplate | null>(null)
-  const [draft, setDraft] = useState<TemplateDraft>(EMPTY_DRAFT)
-  const [submitting, setSubmitting] = useState(false)
-  const [formError, setFormError] = useState('')
-  const [removeTarget, setRemoveTarget] = useState<InvoiceItemTemplate | null>(null)
+  const [itemEditorOpen, setItemEditorOpen] = useState(false)
+  const [editingItem, setEditingItem] = useState<InvoiceItemTemplate | null>(null)
+  const [itemDraft, setItemDraft] = useState<ItemDraft>(EMPTY_ITEM_DRAFT)
+  const [itemSubmitting, setItemSubmitting] = useState(false)
+  const [itemFormError, setItemFormError] = useState('')
+  const [removeItemTarget, setRemoveItemTarget] = useState<InvoiceItemTemplate | null>(null)
+  const [removeTplTarget, setRemoveTplTarget] = useState<InvoiceTemplate | null>(null)
 
   async function reload(signal?: AbortSignal) {
     setLoading(true)
     setError('')
     try {
-      const result = await listInvoiceItemTemplates(signal)
-      setTemplates(result.items)
+      const [items, templates] = await Promise.all([
+        listInvoiceItemTemplates(signal),
+        listInvoiceTemplates(signal),
+      ])
+      setItemTemplates(items.items)
+      setInvoiceTemplates(templates.items)
     } catch (err) {
       if (isAbortError(err)) return
-      setError(err instanceof ApiError ? err.message : 'Unable to load invoice templates.')
+      setError(err instanceof ApiError ? err.message : 'Unable to load invoice settings.')
     } finally {
       setLoading(false)
     }
@@ -109,60 +115,71 @@ export function SettingsPage() {
     return () => controller.abort()
   }, [])
 
-  function openCreate() {
-    setEditing(null)
-    setDraft(EMPTY_DRAFT)
-    setFormError('')
-    setEditorOpen(true)
+  function openCreateItem() {
+    setEditingItem(null)
+    setItemDraft(EMPTY_ITEM_DRAFT)
+    setItemFormError('')
+    setItemEditorOpen(true)
   }
 
-  function openEdit(template: InvoiceItemTemplate) {
-    setEditing(template)
-    setDraft(draftFromTemplate(template))
-    setFormError('')
-    setEditorOpen(true)
+  function openEditItem(template: InvoiceItemTemplate) {
+    setEditingItem(template)
+    setItemDraft(itemDraftFromTemplate(template))
+    setItemFormError('')
+    setItemEditorOpen(true)
   }
 
-  async function handleSave() {
-    setFormError('')
+  async function handleSaveItem() {
+    setItemFormError('')
     let payload
     try {
-      payload = toPayload(draft)
+      payload = itemDraftToPayload(itemDraft)
     } catch (err) {
-      setFormError(err instanceof Error ? err.message : 'Invalid form.')
+      setItemFormError(err instanceof Error ? err.message : 'Invalid form.')
       return
     }
-
-    setSubmitting(true)
+    setItemSubmitting(true)
     try {
-      if (editing) {
-        await updateInvoiceItemTemplate(editing.id, payload)
-        showToast('Invoice item updated.', 'success')
+      if (editingItem) {
+        await updateInvoiceItemTemplate(editingItem.id, payload)
+        showToast('Item template updated.', 'success')
       } else {
         await createInvoiceItemTemplate(payload)
-        showToast('Invoice item created.', 'success')
+        showToast('Item template created.', 'success')
       }
-      setEditorOpen(false)
+      setItemEditorOpen(false)
       await reload()
     } catch (err) {
-      setFormError(err instanceof ApiError ? err.message : 'Unable to save invoice item.')
+      setItemFormError(err instanceof ApiError ? err.message : 'Unable to save item template.')
     } finally {
-      setSubmitting(false)
+      setItemSubmitting(false)
     }
   }
 
-  async function handleRemove() {
-    if (!removeTarget) return
+  async function handleRemoveItem() {
+    if (!removeItemTarget) return
     try {
-      await deleteInvoiceItemTemplate(removeTarget.id)
-      showToast('Invoice item removed.', 'success')
-      setRemoveTarget(null)
+      await deleteInvoiceItemTemplate(removeItemTarget.id)
+      showToast('Item template removed.', 'success')
+      setRemoveItemTarget(null)
       await reload()
     } catch (err) {
       showToast(err instanceof ApiError ? err.message : 'Unable to remove item.', 'error')
     }
   }
 
+  async function handleRemoveTpl() {
+    if (!removeTplTarget) return
+    try {
+      await deleteInvoiceTemplate(removeTplTarget.id)
+      showToast('Invoice template removed.', 'success')
+      setRemoveTplTarget(null)
+      await reload()
+    } catch (err) {
+      showToast(err instanceof ApiError ? err.message : 'Unable to remove template.', 'error')
+    }
+  }
+
   return (
     <main className={pageStyles.content}>
       <div className={pageStyles.pageHeader}>
@@ -174,30 +191,130 @@ export function SettingsPage() {
         </div>
       </div>
 
+      {error ? <p className={styles.alertError}>{error}</p> : null}
+
       <section className={styles.section}>
+        <div className={styles.sectionHeader}>
+          <div className={styles.sectionTitleRow}>
+            <FileStack size={18} />
+            <div>
+              <h3 className={styles.sectionTitle}>Invoice templates</h3>
+              <p className={styles.sectionSubtitle}>
+                Full blueprints (name, top text, items, key points, bank accounts) used when issuing
+                invoices to businesses. Pick one and edit, or start blank.
+              </p>
+            </div>
+          </div>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+            onClick={() => navigate('/settings/invoice-templates/new')}
+          >
+            <Plus size={16} />
+            Add template
+          </button>
+        </div>
+
+        <div className={tableStyles.tableWrap}>
+          <div className={tableStyles.tableHeader}>
+            <div className={tableStyles.tableHeaderTitle}>Templates</div>
+            <div className={tableStyles.meta}>
+              {loading
+                ? 'Loading…'
+                : `${invoiceTemplates.length} template${invoiceTemplates.length === 1 ? '' : 's'}`}
+            </div>
+          </div>
+          <table className={tableStyles.table}>
+            <thead>
+              <tr>
+                <th className={tableStyles.th}>Name</th>
+                <th className={tableStyles.th}>Items</th>
+                <th className={tableStyles.th}>Key points</th>
+                <th className={tableStyles.th}>Accounts</th>
+                <th className={`${tableStyles.th} ${tableStyles.thActions}`}>Actions</th>
+              </tr>
+            </thead>
+            <tbody>
+              {!loading && invoiceTemplates.length === 0 ? (
+                <tr>
+                  <td className={tableStyles.td} colSpan={5}>
+                    <div className={styles.emptyState}>
+                      <SettingsIcon size={20} />
+                      <span>No invoice templates yet. Add one to speed up issuing invoices.</span>
+                    </div>
+                  </td>
+                </tr>
+              ) : null}
+              {invoiceTemplates.map((template) => (
+                <tr key={template.id}>
+                  <td className={tableStyles.td}>
+                    <div className={styles.itemTitle}>{template.name}</div>
+                    {template.topText && !isEmptyRichText(template.topText) ? (
+                      <div className={`${tableStyles.subText} ${styles.topTextPreview}`} title={richTextToPlain(template.topText)}>
+                        {richTextToPlain(template.topText)}
+                      </div>
+                    ) : null}
+                  </td>
+                  <td className={tableStyles.td}>{template.items.length}</td>
+                  <td className={tableStyles.td}>{template.keyPoints.length}</td>
+                  <td className={tableStyles.td}>{template.accounts.length}</td>
+                  <td className={`${tableStyles.td} ${tableStyles.tdActions}`}>
+                    <div className={tableStyles.rowActions}>
+                      <button
+                        type="button"
+                        className={tableStyles.controlBtn}
+                        onClick={() => navigate(`/settings/invoice-templates/${template.id}`)}
+                        title="Edit"
+                        aria-label="Edit"
+                      >
+                        <Pencil size={16} />
+                      </button>
+                      <button
+                        type="button"
+                        className={`${tableStyles.controlBtn} ${tableStyles.controlBtnDanger}`}
+                        onClick={() => setRemoveTplTarget(template)}
+                        title="Remove"
+                        aria-label="Remove"
+                      >
+                        <Trash2 size={16} />
+                      </button>
+                    </div>
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        </div>
+      </section>
+
+      <section className={`${styles.section} ${styles.sectionSpaced}`}>
         <div className={styles.sectionHeader}>
           <div className={styles.sectionTitleRow}>
             <FileText size={18} />
             <div>
-              <h3 className={styles.sectionTitle}>Invoices</h3>
+              <h3 className={styles.sectionTitle}>Invoice item templates</h3>
               <p className={styles.sectionSubtitle}>
-                Predefined line items you can reuse when issuing invoices to businesses.
+                Reusable line items you can drop into invoice templates or when issuing an invoice.
               </p>
             </div>
           </div>
-          <button type="button" className={`${tableStyles.btn} ${tableStyles.btnPrimary}`} onClick={openCreate}>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+            onClick={openCreateItem}
+          >
             <Plus size={16} />
             Add item
           </button>
         </div>
 
-        {error ? <p className={styles.alertError}>{error}</p> : null}
-
         <div className={tableStyles.tableWrap}>
           <div className={tableStyles.tableHeader}>
-            <div className={tableStyles.tableHeaderTitle}>Predefined invoice items</div>
+            <div className={tableStyles.tableHeaderTitle}>Predefined line items</div>
             <div className={tableStyles.meta}>
-              {loading ? 'Loading…' : `${templates.length} item${templates.length === 1 ? '' : 's'}`}
+              {loading
+                ? 'Loading…'
+                : `${itemTemplates.length} item${itemTemplates.length === 1 ? '' : 's'}`}
             </div>
           </div>
           <table className={tableStyles.table}>
@@ -212,17 +329,17 @@ export function SettingsPage() {
               </tr>
             </thead>
             <tbody>
-              {!loading && templates.length === 0 ? (
+              {!loading && itemTemplates.length === 0 ? (
                 <tr>
                   <td className={tableStyles.td} colSpan={6}>
                     <div className={styles.emptyState}>
                       <SettingsIcon size={20} />
-                      <span>No predefined items yet. Add one to speed up invoice creation.</span>
+                      <span>No predefined items yet.</span>
                     </div>
                   </td>
                 </tr>
               ) : null}
-              {templates.map((template) => (
+              {itemTemplates.map((template) => (
                 <tr key={template.id}>
                   <td className={tableStyles.td}>
                     <div className={styles.itemTitle}>{template.title}</div>
@@ -243,7 +360,7 @@ export function SettingsPage() {
                       <button
                         type="button"
                         className={tableStyles.controlBtn}
-                        onClick={() => openEdit(template)}
+                        onClick={() => openEditItem(template)}
                         title="Edit"
                         aria-label="Edit"
                       >
@@ -252,7 +369,7 @@ export function SettingsPage() {
                       <button
                         type="button"
                         className={`${tableStyles.controlBtn} ${tableStyles.controlBtnDanger}`}
-                        onClick={() => setRemoveTarget(template)}
+                        onClick={() => setRemoveItemTarget(template)}
                         title="Remove"
                         aria-label="Remove"
                       >
@@ -268,108 +385,122 @@ export function SettingsPage() {
       </section>
 
       <p className={styles.hint}>
-        Tip: open a business from <Link to="/businesses">Businesses</Link> to list invoices or issue
-        a new one.
+        Tip: open a business from <Link to="/businesses">Businesses</Link> to issue an invoice from a
+        template or from scratch.
       </p>
 
       <Modal
-        open={editorOpen}
-        title={editing ? 'Edit invoice item' : 'Add invoice item'}
-        onClose={() => !submitting && setEditorOpen(false)}
+        open={itemEditorOpen}
+        title={editingItem ? 'Edit item template' : 'Add item template'}
+        onClose={() => !itemSubmitting && setItemEditorOpen(false)}
         wide
       >
         <div className={styles.formGrid}>
           <div className={`${tableStyles.field} ${styles.span2}`}>
-            <label htmlFor="tpl-title">Title</label>
+            <label htmlFor="item-title">Title</label>
             <input
-              id="tpl-title"
-              value={draft.title}
-              onChange={(e) => setDraft((d) => ({ ...d, title: e.target.value }))}
+              id="item-title"
+              value={itemDraft.title}
+              onChange={(e) => setItemDraft((d) => ({ ...d, title: e.target.value }))}
               placeholder="e.g. Website setup"
             />
           </div>
           <div className={tableStyles.field}>
-            <label htmlFor="tpl-duration">Duration</label>
+            <label htmlFor="item-duration">Duration</label>
             <input
-              id="tpl-duration"
-              value={draft.duration}
-              onChange={(e) => setDraft((d) => ({ ...d, duration: e.target.value }))}
+              id="item-duration"
+              value={itemDraft.duration}
+              onChange={(e) => setItemDraft((d) => ({ ...d, duration: e.target.value }))}
               placeholder="e.g. 3 months"
             />
           </div>
           <div className={tableStyles.field}>
-            <label htmlFor="tpl-worktime">Worktime</label>
+            <label htmlFor="item-worktime">Worktime</label>
             <input
-              id="tpl-worktime"
-              value={draft.worktime}
-              onChange={(e) => setDraft((d) => ({ ...d, worktime: e.target.value }))}
+              id="item-worktime"
+              value={itemDraft.worktime}
+              onChange={(e) => setItemDraft((d) => ({ ...d, worktime: e.target.value }))}
               placeholder="e.g. 40 hours"
             />
           </div>
           <div className={tableStyles.field}>
-            <label htmlFor="tpl-price">Price (IRT)</label>
+            <label htmlFor="item-price">Price (IRT)</label>
             <input
-              id="tpl-price"
+              id="item-price"
               inputMode="numeric"
-              value={draft.price}
-              onChange={(e) => setDraft((d) => ({ ...d, price: formatIrtInput(e.target.value) }))}
+              value={itemDraft.price}
+              onChange={(e) =>
+                setItemDraft((d) => ({ ...d, price: formatIrtInput(e.target.value) }))
+              }
               placeholder="0"
             />
           </div>
           <div className={tableStyles.field}>
-            <label htmlFor="tpl-discount">Discounted price (IRT)</label>
+            <label htmlFor="item-discount">Discounted price (IRT)</label>
             <input
-              id="tpl-discount"
+              id="item-discount"
               inputMode="numeric"
-              value={draft.discountedPrice}
+              value={itemDraft.discountedPrice}
               onChange={(e) =>
-                setDraft((d) => ({ ...d, discountedPrice: formatIrtInput(e.target.value) }))
+                setItemDraft((d) => ({ ...d, discountedPrice: formatIrtInput(e.target.value) }))
               }
               placeholder="Optional"
             />
           </div>
           <div className={`${tableStyles.field} ${styles.span2}`}>
-            <label htmlFor="tpl-desc">Description</label>
+            <label htmlFor="item-desc">Description</label>
             <textarea
-              id="tpl-desc"
+              id="item-desc"
               rows={3}
-              value={draft.description}
-              onChange={(e) => setDraft((d) => ({ ...d, description: e.target.value }))}
-              placeholder="Optional details shown on the invoice line"
+              value={itemDraft.description}
+              onChange={(e) => setItemDraft((d) => ({ ...d, description: e.target.value }))}
+              placeholder="Optional details"
             />
           </div>
         </div>
-        {formError ? <p className={styles.alertError}>{formError}</p> : null}
+        {itemFormError ? <p className={styles.alertError}>{itemFormError}</p> : null}
         <div className={tableStyles.actionsRow}>
           <button
             type="button"
             className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
-            onClick={() => setEditorOpen(false)}
-            disabled={submitting}
+            onClick={() => setItemEditorOpen(false)}
+            disabled={itemSubmitting}
           >
             Cancel
           </button>
           <button
             type="button"
             className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
-            onClick={() => void handleSave()}
-            disabled={submitting}
+            onClick={() => void handleSaveItem()}
+            disabled={itemSubmitting}
           >
-            {submitting ? 'Saving…' : editing ? 'Save changes' : 'Create item'}
+            {itemSubmitting ? 'Saving…' : editingItem ? 'Save changes' : 'Create item'}
           </button>
         </div>
       </Modal>
 
       <ConfirmDeleteModal
-        open={!!removeTarget}
-        title="Remove invoice item"
+        open={!!removeTplTarget}
+        title="Remove invoice template"
         message={
-          removeTarget
-            ? `Remove “${removeTarget.title}” from predefined invoice items?`
+          removeTplTarget
+            ? `Remove “${removeTplTarget.name}” from invoice templates?`
             : ''
         }
-        onCancel={() => setRemoveTarget(null)}
-        onConfirm={() => void handleRemove()}
+        onCancel={() => setRemoveTplTarget(null)}
+        onConfirm={() => void handleRemoveTpl()}
+      />
+
+      <ConfirmDeleteModal
+        open={!!removeItemTarget}
+        title="Remove item template"
+        message={
+          removeItemTarget
+            ? `Remove “${removeItemTarget.title}” from predefined line items?`
+            : ''
+        }
+        onCancel={() => setRemoveItemTarget(null)}
+        onConfirm={() => void handleRemoveItem()}
       />
     </main>
   )
diff --git a/apps/super-admin/src/services/invoiceService.ts b/apps/super-admin/src/services/invoiceService.ts
index 18902cc..b1ae627 100644
--- a/apps/super-admin/src/services/invoiceService.ts
+++ b/apps/super-admin/src/services/invoiceService.ts
@@ -2,16 +2,21 @@ import { apiRequest } from '../lib/api'
 import type {
   CreateInvoiceItemTemplatePayload,
   CreateInvoicePayload,
+  CreateInvoiceTemplatePayload,
   Invoice,
   InvoiceItemTemplate,
+  InvoiceItemTemplatesResponse,
   InvoiceStatus,
-  InvoiceTemplatesResponse,
+  InvoiceTemplate,
+  InvoiceTemplatesListResponse,
   InvoicesListResponse,
+  PublicInvoice,
   UpdateInvoiceItemTemplatePayload,
+  UpdateInvoiceTemplatePayload,
 } from '../types/invoice'
 
 export function listInvoiceItemTemplates(signal?: AbortSignal) {
-  return apiRequest<InvoiceTemplatesResponse>('/invoice-item-templates', {
+  return apiRequest<InvoiceItemTemplatesResponse>('/invoice-item-templates', {
     auth: true,
     signal,
   })
@@ -43,6 +48,43 @@ export function deleteInvoiceItemTemplate(templateId: string) {
   })
 }
 
+export function listInvoiceTemplates(signal?: AbortSignal) {
+  return apiRequest<InvoiceTemplatesListResponse>('/invoice-templates', {
+    auth: true,
+    signal,
+  })
+}
+
+export function getInvoiceTemplate(templateId: string, signal?: AbortSignal) {
+  return apiRequest<InvoiceTemplate>(`/invoice-templates/${templateId}`, {
+    auth: true,
+    signal,
+  })
+}
+
+export function createInvoiceTemplate(payload: CreateInvoiceTemplatePayload) {
+  return apiRequest<InvoiceTemplate>('/invoice-templates', {
+    method: 'POST',
+    auth: true,
+    body: payload,
+  })
+}
+
+export function updateInvoiceTemplate(templateId: string, payload: UpdateInvoiceTemplatePayload) {
+  return apiRequest<InvoiceTemplate>(`/invoice-templates/${templateId}`, {
+    method: 'PATCH',
+    auth: true,
+    body: payload,
+  })
+}
+
+export function deleteInvoiceTemplate(templateId: string) {
+  return apiRequest<{ ok: boolean }>(`/invoice-templates/${templateId}`, {
+    method: 'DELETE',
+    auth: true,
+  })
+}
+
 export interface ListBusinessInvoicesParams {
   page?: number
   pageSize?: number
@@ -98,3 +140,11 @@ export function deleteBusinessInvoice(businessId: string, invoiceId: string) {
     auth: true,
   })
 }
+
+/** Public show-page payload (no auth). */
+export function getPublicInvoice(invoiceId: string, signal?: AbortSignal) {
+  return apiRequest<PublicInvoice>(`/public/invoices/${invoiceId}`, {
+    auth: false,
+    signal,
+  })
+}
diff --git a/apps/super-admin/src/types/invoice.ts b/apps/super-admin/src/types/invoice.ts
index 33f2f90..5ed23b7 100644
--- a/apps/super-admin/src/types/invoice.ts
+++ b/apps/super-admin/src/types/invoice.ts
@@ -29,6 +29,21 @@ export interface InvoiceItem {
   sortOrder: number
 }
 
+export interface InvoiceKeyPoint {
+  id: string
+  text: string
+  sortOrder: number
+}
+
+export interface InvoiceAccount {
+  id: string
+  bankName: string
+  accountHolderName: string | null
+  cardNumber: string | null
+  iban: string | null
+  sortOrder: number
+}
+
 export interface Invoice {
   id: string
   businessId: string
@@ -36,7 +51,9 @@ export interface Invoice {
   issuerBusinessId: string | null
   status: InvoiceStatus
   name: string | null
+  topText: string | null
   notes: string | null
+  invoiceTemplateId: string | null
   publicUrl: string | null
   issuedBy: string | null
   issuedAt: string
@@ -53,10 +70,29 @@ export interface Invoice {
     lastName: string | null
   } | null
   items?: InvoiceItem[]
+  keyPoints?: InvoiceKeyPoint[]
+  accounts?: InvoiceAccount[]
   subtotal?: number
   total?: number
 }
 
+/** Public viewer payload (no notes / issuer). */
+export type PublicInvoice = Pick<
+  Invoice,
+  | 'id'
+  | 'status'
+  | 'name'
+  | 'topText'
+  | 'issuedAt'
+  | 'business'
+  | 'items'
+  | 'keyPoints'
+  | 'accounts'
+  | 'subtotal'
+  | 'total'
+  | 'publicUrl'
+>
+
 export interface InvoiceItemInput {
   templateId?: string
   title: string
@@ -67,17 +103,86 @@ export interface InvoiceItemInput {
   discountedPrice?: number | null
 }
 
+export interface InvoiceKeyPointInput {
+  text: string
+}
+
+export interface InvoiceAccountInput {
+  bankName: string
+  accountHolderName?: string
+  cardNumber?: string
+  iban?: string
+}
+
 export interface CreateInvoicePayload {
   items: InvoiceItemInput[]
   name?: string
+  topText?: string
   notes?: string
+  invoiceTemplateId?: string
+  keyPoints?: InvoiceKeyPointInput[]
+  accounts?: InvoiceAccountInput[]
   status?: InvoiceStatus
 }
 
-export interface InvoiceTemplatesResponse {
+export interface InvoiceTemplateItem {
+  id: string
+  itemTemplateId: string | null
+  title: string
+  duration: string | null
+  worktime: string | null
+  description: string | null
+  price: number
+  discountedPrice: number | null
+  sortOrder: number
+}
+
+export interface InvoiceTemplate {
+  id: string
+  ownerScope: 'platform' | 'business'
+  businessId: string | null
+  name: string
+  topText: string | null
+  sortOrder: number
+  isActive: boolean
+  createdAt: string
+  updatedAt: string
+  items: InvoiceTemplateItem[]
+  keyPoints: InvoiceKeyPoint[]
+  accounts: InvoiceAccount[]
+}
+
+export interface InvoiceTemplateItemInput {
+  itemTemplateId?: string
+  title: string
+  duration?: string
+  worktime?: string
+  description?: string
+  price: number
+  discountedPrice?: number | null
+}
+
+export interface CreateInvoiceTemplatePayload {
+  name: string
+  topText?: string
+  items: InvoiceTemplateItemInput[]
+  keyPoints?: InvoiceKeyPointInput[]
+  accounts?: InvoiceAccountInput[]
+  sortOrder?: number
+}
+
+export type UpdateInvoiceTemplatePayload = Partial<CreateInvoiceTemplatePayload> & {
+  isActive?: boolean
+}
+
+export interface InvoiceItemTemplatesResponse {
   items: InvoiceItemTemplate[]
 }
 
+export interface InvoiceTemplatesListResponse {
+  items: InvoiceTemplate[]
+}
+
 export interface InvoicesListResponse {
   items: Invoice[]
   page: number
@@ -99,3 +204,6 @@ export interface CreateInvoiceItemTemplatePayload {
 export type UpdateInvoiceItemTemplatePayload = Partial<CreateInvoiceItemTemplatePayload> & {
   isActive?: boolean
 }
+
+/** @deprecated use InvoiceItemTemplatesResponse */
+export type InvoiceTemplatesResponse = InvoiceItemTemplatesResponse
diff --git a/apps/super-admin/src/utils/invoiceDraft.ts b/apps/super-admin/src/utils/invoiceDraft.ts
new file mode 100644
index 0000000..8b8e3e6
--- /dev/null
+++ b/apps/super-admin/src/utils/invoiceDraft.ts
@@ -0,0 +1,170 @@
+import { formatIrtInput, parseIrtInput } from '../utils/irtPrice'
+import type {
+  InvoiceAccountInput,
+  InvoiceItemInput,
+  InvoiceItemTemplate,
+  InvoiceKeyPointInput,
+  InvoiceTemplate,
+  InvoiceTemplateItemInput,
+} from '../types/invoice'
+
+export type DraftLineItem = {
+  key: string
+  itemTemplateId?: string
+  title: string
+  duration: string
+  worktime: string
+  description: string
+  price: string
+  discountedPrice: string
+}
+
+export type DraftKeyPoint = { key: string; text: string }
+
+export type DraftAccount = {
+  key: string
+  bankName: string
+  accountHolderName: string
+  cardNumber: string
+  iban: string
+}
+
+export function newKey() {
+  return `${Date.now()}-${Math.random().toString(36).slice(2, 8)}`
+}
+
+export function emptyDraftItem(): DraftLineItem {
+  return {
+    key: newKey(),
+    title: '',
+    duration: '',
+    worktime: '',
+    description: '',
+    price: '',
+    discountedPrice: '',
+  }
+}
+
+export function emptyDraftKeyPoint(): DraftKeyPoint {
+  return { key: newKey(), text: '' }
+}
+
+export function emptyDraftAccount(): DraftAccount {
+  return { key: newKey(), bankName: '', accountHolderName: '', cardNumber: '', iban: '' }
+}
+
+export function draftItemFromItemTemplate(template: InvoiceItemTemplate): DraftLineItem {
+  return {
+    key: newKey(),
+    itemTemplateId: template.id,
+    title: template.title,
+    duration: template.duration ?? '',
+    worktime: template.worktime ?? '',
+    description: template.description ?? '',
+    price: formatIrtInput(String(Math.round(template.price))),
+    discountedPrice:
+      template.discountedPrice === null || template.discountedPrice === undefined
+        ? ''
+        : formatIrtInput(String(Math.round(template.discountedPrice))),
+  }
+}
+
+export function draftsFromInvoiceTemplate(template: InvoiceTemplate): {
+  name: string
+  topText: string
+  items: DraftLineItem[]
+  keyPoints: DraftKeyPoint[]
+  accounts: DraftAccount[]
+} {
+  return {
+    name: template.name,
+    topText: template.topText ?? '',
+    items:
+      template.items.length > 0
+        ? template.items.map((item) => ({
+            key: newKey(),
+            itemTemplateId: item.itemTemplateId ?? undefined,
+            title: item.title,
+            duration: item.duration ?? '',
+            worktime: item.worktime ?? '',
+            description: item.description ?? '',
+            price: formatIrtInput(String(Math.round(item.price))),
+            discountedPrice:
+              item.discountedPrice === null || item.discountedPrice === undefined
+                ? ''
+                : formatIrtInput(String(Math.round(item.discountedPrice))),
+          }))
+        : [emptyDraftItem()],
+    keyPoints:
+      template.keyPoints.length > 0
+        ? template.keyPoints.map((kp) => ({ key: newKey(), text: kp.text }))
+        : [],
+    accounts:
+      template.accounts.length > 0
+        ? template.accounts.map((acc) => ({
+            key: newKey(),
+            bankName: acc.bankName,
+            accountHolderName: acc.accountHolderName ?? '',
+            cardNumber: acc.cardNumber ?? '',
+            iban: acc.iban ?? '',
+          }))
+        : [],
+  }
+}
+
+export function buildLineItemsPayload(items: DraftLineItem[]): InvoiceItemInput[] {
+  return items.map((item) => {
+    const title = item.title.trim()
+    const price = parseIrtInput(item.price)
+    if (!title) throw new Error('Each item needs a title.')
+    if (price === null) throw new Error(`Price is required for “${title}”.`)
+    const discountedPrice = item.discountedPrice.trim()
+      ? parseIrtInput(item.discountedPrice)
+      : null
+    if (item.discountedPrice.trim() && discountedPrice === null) {
+      throw new Error(`Discounted price is invalid for “${title}”.`)
+    }
+    if (discountedPrice !== null && discountedPrice > price) {
+      throw new Error(`Discounted price cannot exceed price for “${title}”.`)
+    }
+    return {
+      templateId: item.itemTemplateId,
+      title,
+      duration: item.duration.trim() || undefined,
+      worktime: item.worktime.trim() || undefined,
+      description: item.description.trim() || undefined,
+      price,
+      discountedPrice,
+    }
+  })
+}
+
+export function buildTemplateItemsPayload(items: DraftLineItem[]): InvoiceTemplateItemInput[] {
+  return buildLineItemsPayload(items).map((item) => ({
+    itemTemplateId: item.templateId,
+    title: item.title,
+    duration: item.duration,
+    worktime: item.worktime,
+    description: item.description,
+    price: item.price,
+    discountedPrice: item.discountedPrice,
+  }))
+}
+
+export function buildKeyPointsPayload(points: DraftKeyPoint[]): InvoiceKeyPointInput[] {
+  return points
+    .map((p) => p.text.trim())
+    .filter(Boolean)
+    .map((text) => ({ text }))
+}
+
+export function buildAccountsPayload(accounts: DraftAccount[]): InvoiceAccountInput[] {
+  return accounts
+    .map((acc) => ({
+      bankName: acc.bankName.trim(),
+      accountHolderName: acc.accountHolderName.trim() || undefined,
+      cardNumber: acc.cardNumber.trim() || undefined,
+      iban: acc.iban.trim() || undefined,
+    }))
+    .filter((acc) => acc.bankName)
+}
diff --git a/apps/super-admin/src/vite-env.d.ts b/apps/super-admin/src/vite-env.d.ts
index ea9c4d8..543333c 100644
--- a/apps/super-admin/src/vite-env.d.ts
+++ b/apps/super-admin/src/vite-env.d.ts
@@ -4,6 +4,7 @@ interface ImportMetaEnv {
   readonly VITE_API_BASE_URL?: string
   readonly VITE_ADMIN_DOMAIN?: string
   readonly VITE_INVOICE_PUBLIC_DOMAIN?: string
+  readonly VITE_INVOICE_PUBLIC_BASE_URL?: string
 }
 
 interface ImportMeta {
diff --git a/docs/PROJECT_CONTEXT.md b/docs/PROJECT_CONTEXT.md
index cb20b98..63b06ac 100644
--- a/docs/PROJECT_CONTEXT.md
+++ b/docs/PROJECT_CONTEXT.md
@@ -3,7 +3,7 @@
 > **For AI agents:** Read this file at the start of a new chat before making changes.  
 > Update this document when a major feature is completed or architecture changes.
 
-Last updated: July 24, 2026
+Last updated: July 26, 2026
 
 ---
 
@@ -139,10 +139,14 @@ Add to `/etc/hosts` (one line per tenant):
 | `/login` | Login |
 | `/` | Home |
 | `/businesses` | Businesses list |
-| `/businesses/:businessId/invoices` | Business invoices (list + issue) |
+| `/businesses/:businessId/invoices` | Business invoices list |
+| `/businesses/:businessId/invoices/new` | Issue invoice (full page) |
 | `/users` | Users |
 | `/websites` | Websites / domains |
-| `/settings` | Platform settings (invoice item templates) |
+| `/settings` | Platform settings (invoice templates + item templates) |
+| `/settings/invoice-templates/new` | Create invoice template |
+| `/settings/invoice-templates/:templateId` | Edit invoice template |
+| `/invoices/:invoiceId` | Public invoice viewer (no auth; print to PDF) |
 | `/profile` | Profile |
 
 ### Customer (`apps/customer`)
@@ -311,35 +315,49 @@ Run in order from `MeshkeeApp Backend/database/migrations/`:
 | `010_category_variations.sql` | variation tables |
 | `016_product_variation_values.sql` | product variation values |
 | `036_invoices.sql` | Platform/business invoices + invoice item templates |
+| `037_invoice_name.sql` | Optional invoice name |
+| `038_invoice_templates.sql` | Full invoice templates + key points / accounts |
+| `039_invoice_account_holder.sql` | Account holder name on bank accounts |
 
 After schema changes: `npx prisma generate` and restart the backend.
 
 ### Invoices (super-admin)
 
-Platform billing invoices issued **to** a business. Schema supports a future `owner_scope=business` mode (business-issued invoices); UI is super-admin only for now.
+Two template layers + issued invoices:
+
+| Layer | Purpose |
+|-------|---------|
+| **Invoice item templates** | Reusable line items (title, duration, worktime, desc, price, discounted) |
+| **Invoice templates** | Full blueprints: name, top text, items (from item templates or custom), duplicatable key points, duplicatable bank accounts (bank name, account holder, card, IBAN) |
+| **Invoices** | Issued to a business — start from an invoice template (editable) or blank |
 
 | Endpoint | Purpose |
 |----------|---------|
-| `GET/POST /invoice-item-templates` | Platform predefined line items (Settings) |
-| `PATCH/DELETE /invoice-item-templates/:id` | Update/remove template |
+| `GET/POST /invoice-item-templates` | Platform line-item presets |
+| `PATCH/DELETE /invoice-item-templates/:id` | Update/remove line-item preset |
+| `GET/POST /invoice-templates` | Platform full invoice templates |
+| `GET/PATCH/DELETE /invoice-templates/:id` | Get / update / delete invoice template |
 | `GET/POST /businesses/:businessId/invoices` | List / issue invoices for a business |
 | `GET/PATCH/DELETE /businesses/:businessId/invoices/:invoiceId` | Detail, status update, delete |
+| `GET /public/invoices/:id` | Public show payload (issued/paid, no auth) |
 
-**Invoice fields:** optional `name`, `notes`, `status` (`draft` \| `issued` \| `paid` \| `cancelled`), `publicUrl`.
+**Invoice fields:** optional `name`, `topText`, `notes`, `invoiceTemplateId`, `status`, `publicUrl`, nested `items`, `keyPoints`, `accounts` (bank name, account holder, card, IBAN).
 
-**Line item fields:** `title`, `duration`, `worktime`, `description`, `price`, `discountedPrice` (IRT). Create flow can mix predefined templates + custom lines.
+**Public invoice viewer (platform):**
+- Route: super-admin SPA `/invoices/:id` (`PublicInvoicePage`) — glass layout, print-to-PDF, “Issued by” Meshkee footer
+- Local/dev link: current Vite origin (e.g. `https://meshkee.app:5174/invoices/{id}`)
+- Production link domain: `VITE_INVOICE_PUBLIC_DOMAIN` / `INVOICE_PUBLIC_DOMAIN` (default `meshkee.com`) — optional full origin override via `*_PUBLIC_BASE_URL`
+- Until `meshkee.com` proxies or hosts `/invoices/*`, production links may need that DNS/nginx wiring (viewer code ships with super-admin build)
 
-**Public link (platform invoices):** `https://meshkee.com/invoices/{id}`  
-- Backend: `INVOICE_PUBLIC_DOMAIN` (default `meshkee.com`) → response field `publicUrl`  
-- Super Admin UI: `VITE_INVOICE_PUBLIC_DOMAIN` fallback helper in `lib/config.ts`  
-- Public viewer page at that URL is **not** implemented yet — link is issued/copied only.
-
-**Migrations:** `036_invoices.sql`, `037_invoice_name.sql`
+**Migrations:** `036_invoices.sql`, `037_invoice_name.sql`, `038_invoice_templates.sql`, `039_invoice_account_holder.sql`
 
 **Super Admin UI:**
-- `/settings` — Invoices section (CRUD templates)
-- `/businesses/:businessId/invoices` — list, issue (extra-wide modal), view/copy link, update status, delete
-- Businesses table row → FileText control opens invoices page
+- `/settings` — Invoice templates list + item templates (top text preview = one-line ellipsis)
+- `/settings/invoice-templates/new` · `/settings/invoice-templates/:id` — full-page template editor (not modal)
+- `/businesses/:businessId/invoices` — list + view modal
+- `/businesses/:businessId/invoices/new` — full-page issue form
+- `/invoices/:id` — public viewer (no auth)
+- Schema supports future `owner_scope=business` (business-owned templates)
 
 ---
 
@@ -375,8 +393,12 @@ Platform billing invoices issued **to** a business. Schema supports a future `ow
 | Area | Path |
 |------|------|
 | Settings / invoice templates | `apps/super-admin/src/pages/SettingsPage.tsx` |
+| Template / issue editors | `InvoiceTemplateEditorPage.tsx`, `IssueInvoicePage.tsx` |
+| Shared draft fields | `apps/super-admin/src/components/InvoiceDraftFields.tsx` |
+| Public invoice viewer | `apps/super-admin/src/pages/PublicInvoicePage.tsx` |
 | Business invoices | `apps/super-admin/src/pages/BusinessInvoicesPage.tsx` |
 | Invoice API client | `apps/super-admin/src/services/invoiceService.ts` |
+| Invoice URL helpers | `apps/super-admin/src/lib/config.ts` |
 
 ---
 
@@ -472,7 +494,7 @@ SSL: Certbot cert `meshkee-dashboards` + cron `ssl-sync.sh` every 2h (option A:
 
 ## Suggested next work
 
-- Public invoice page at `meshkee.com/invoices/{id}` (platform invoices)
+- Point `meshkee.com/invoices/*` at the public invoice viewer (proxy or dedicated host)
 - Business-dashboard invoice templates + issue flow (`owner_scope=business`)
 - Migrate business and super-admin to `@meshkee/dashboard-core` / `@meshkee/dashboard-ui`
 - Connect product comments to backend