diff --git a/docs/BOOKING_PAYMENT_STEP.md b/docs/BOOKING_PAYMENT_STEP.md
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+# Booking Payment Step Implementation Plan
+
+**Status:** ✅ COMPLETED
+**Last Updated:** 2025-01-04
+**Goal:** Add payment method selection step (Step 3) to booking creation flow
+
+## Implementation Summary
+
+✅ **Completed Components:**
+
+1. **DTOs Created:**
+   - `BankAccountDto` - IBAN validation, account holder, bank name, SEPA mandate
+   - Payment properties added directly to `BookingCreateDto`:
+     - `paymentMethod` - PAYMENT_METHOD_TRANSFER (default) or PAYMENT_METHOD_DEBIT
+     - `bankAccount` - BankAccountDto instance (nullable)
+   - Payment method constants in `Constants.php` (PAYMENT_METHOD_TRANSFER, PAYMENT_METHOD_DEBIT)
+
+2. **Form Type:**
+   - `BookingCreateStep3Type` - Main step 3 form with payment method and conditional bank account fields
+   - **Removed** `PaymentType` wrapper (unnecessary with proper event handling)
+   - Dynamic field management using POST_SET_DATA and PRE_SUBMIT events
+   - Helper method `addBankAccountField()` to avoid duplication
+
+3. **Controller:**
+   - `CreateStep3Controller` - Main step 3 action and HTMX refresh endpoint
+   - Uses `getSummaryVariables()` trait method for booking summary data
+   - Conditional field rendering handled entirely by form events
+
+4. **Template:**
+   - `create_step_3.html.twig` - Grid layout matching steps 1 & 2
+   - Payment method selection with HTMX for dynamic bank account fields
+   - HTMX attributes on outer wrapper div for proper field replacement
+   - Booking summary sidebar visible on all steps
+
+5. **Validation:**
+   - Conditional validation via `validateBankAccount()` callback in `BookingCreateDto`
+   - Bank account fields only validated when payment method is DEBIT
+   - IBAN format validation using Symfony's built-in `@Assert\Iban`
+   - SEPA mandate acceptance required for direct debit
+
+6. **Business Rules:**
+   - **14-day rule**: Direct debit only available if travel starts ≥14 days from now
+   - Debit option becomes readonly with tooltip when not available
+   - Authorization text from existing booking flow integrated into choice label
+
+## Key Implementation Details
+
+### Form Event Pattern
+```php
+// BookingCreateStep3Type.php - Conditional field rendering
+$builder->addEventListener(FormEvents::POST_SET_DATA, function (FormEvent $event): void {
+    $bookingDto = $event->getData();
+
+    if (Constants::PAYMENT_METHOD_DEBIT === $bookingDto->paymentMethod) {
+        $this->addBankAccountField($event->getForm());
+    }
+});
+
+$builder->addEventListener(FormEvents::PRE_SUBMIT, function (FormEvent $event): void {
+    $data = $event->getData();
+    $form = $event->getForm();
+    $paymentMethod = $data['paymentMethod'] ?? null;
+
+    if ($form->has('bankAccount')) {
+        $form->remove('bankAccount');
+    }
+
+    if (Constants::PAYMENT_METHOD_DEBIT === $paymentMethod) {
+        $this->addBankAccountField($form);
+    }
+});
+```
+
+**Key Points:**
+- POST_SET_DATA: Adds field when rendering if paymentMethod is DEBIT
+- PRE_SUBMIT: Removes existing field first, then adds only if DEBIT selected
+- Helper method avoids duplicate field configuration
+- No need to manually unset data - Symfony ignores unmapped fields
+
+### Conditional Validation Pattern
+```php
+// BookingCreateDto.php - Conditional bank account validation
+#[Assert\Callback]
+public function validateBankAccount(ExecutionContextInterface $context): void
+{
+    if (Constants::PAYMENT_METHOD_DEBIT !== $this->paymentMethod) {
+        return; // Skip validation for transfer
+    }
+
+    // Validate only when debit is selected
+    if (null === $this->bankAccount) {
+        $context->buildViolation('Bitte geben Sie Ihre Bankverbindung an.')
+            ->atPath('bankAccount')
+            ->addViolation();
+    }
+    // ... additional field validations
+}
+```
+
+### 14-Day Availability Rule
+```php
+private function isDebitAvailable(BookingCreateDto $bookingDto): bool
+{
+    $travelStartDate = CarbonImmutable::instance($bookingDto->travel->dateFrom);
+    $now = CarbonImmutable::now();
+    $daysUntilTravel = $now->diffInDays($travelStartDate, false);
+
+    return $daysUntilTravel >= 14;
+}
+```
+
+Applied via `choice_attr` callback to make debit option readonly when unavailable.
+
+### HTMX Pattern for Expanded Forms
+For radio buttons (expanded choice types), HTMX attributes must be on a wrapper element:
+
+```twig
+<div id="form-payment"
+     hx-post="{{ path('app_booking_create_step_3_refresh') }}"
+     hx-trigger="change from:input[type='radio']"
+     hx-target="#form-payment"
+     hx-select="#form-payment"
+     hx-swap="outerHTML">
+    {{ form_row(form.paymentMethod) }}
+
+    {# Conditionally rendered bank account section #}
+    {% if form.bankAccount is defined %}
+        ...
+    {% endif %}
+</div>
+```
+
+**Why this pattern:**
+- Wrapper div captures change events from child radio buttons
+- Entire section (payment method + bank account fields) gets replaced
+- `hx-select` extracts only `#form-payment` from full page response
+
+---
+
+## Executive Summary
+
+Currently, the booking creation flow ends at Step 2 (participant details). We need to add Step 3 to collect payment method information before final submission. Users can choose between:
+1. **Direct Transfer (Überweisung)** - Requires bank account details
+2. **Direct Debit (Lastschrift)** - Requires bank account details + SEPA mandate
+
+---
+
+## Requirements Analysis
+
+### Payment Methods
+
+#### 1. Direct Transfer (Überweisung)
+- User will transfer money manually
+- Required fields:
+  - Payment method selection (radio/select)
+- No bank details needed (invoice will show our account for transfer)
+
+#### 2. Direct Debit (Lastschrift)
+- Automatic withdrawal from user's account
+- Required fields:
+  - IBAN (validated format)
+  - Account holder name (text)
+  - SEPA mandate checkbox (required agreement)
+- Optional fields:
+  - Bank name (text)
+
+### Validation Requirements
+
+**IBAN Validation:**
+- Format: Country code (2 letters) + Check digits (2 digits) + BBAN (up to 30 alphanumeric)
+- German IBAN: DE + 2 digits + 18 digits (total 22 characters)
+- International: Support common EU countries
+- Checksum validation (mod 97 algorithm) via Symfony's `@Assert\Iban`
+- Display formatted with spaces (DE12 3456 7890 1234 5678 90)
+
+**Account Holder Name:**
+- Must match participant/applicant name or be explicitly confirmed
+- Min length: 2 characters
+- Max length: 70 characters (SEPA standard)
+- Allowed: Letters, spaces, hyphens, apostrophes
+
+**Bank Name:**
+- Optional but recommended
+- Max length: 70 characters
+
+### Data Flow
+
+```
+Step 1 (Room Selection)
+    ↓
+Step 2 (Participant Details)
+    ↓
+Step 3 (Payment Method) ← NEW
+    ↓
+Final Submission to API
+```
+
+---
+
+## Implementation Plan
+
+### Phase 1: Create Bank Account DTO
+
+#### Task 1.1: Create BankAccountDto
+**Status:** ✅ Simplified - BIC omitted
+**Files:**
+- `src/Form/Model/BankAccountDto.php` (new)
+
+**Actions:**
+- [ ] Create DTO class with properties:
+  - `?string $iban` - IBAN with spaces stripped for storage
+  - `?string $accountHolder` - Account holder name
+  - `?string $bankName` - Name of the bank (optional)
+  - `bool $sepaMandateAccepted = false` - SEPA mandate checkbox
+- [ ] Add Symfony validation constraints:
+  - `@Assert\Iban()` for IBAN
+  - `@Assert\NotBlank()` for IBAN and account holder
+  - `@Assert\Length(min: 2, max: 70)` for account holder
+  - `@Assert\Length(max: 70)` for bank name
+  - `@Assert\IsTrue()` for SEPA mandate
+- [ ] Add methods:
+  - `getFormattedIban()` - Returns IBAN with spaces for display
+  - `getIbanWithoutSpaces()` - Returns IBAN without spaces for storage/API
+
+**Notes:**
+- Public properties (no constructor promotion needed for DTOs)
+- BIC omitted (not required for German IBANs since 2016)
+- Follow project DTO patterns
+
+---
+
+#### Task 1.2: Create PaymentDto
+**Files:**
+- `src/Form/Model/PaymentDto.php` (new)
+
+**Actions:**
+- [ ] Create DTO class with properties:
+  - `?string $paymentMethod` - 'transfer' or 'debit'
+  - `?BankAccountDto $bankAccount` - Bank account details (nullable)
+- [ ] Add validation:
+  - `@Assert\Choice(choices: ['transfer', 'debit'])`
+  - `@Assert\Valid()` for bankAccount when debit selected
+- [ ] Add method `requiresBankAccount(): bool` - returns true if debit
+- [ ] Add getter/setter methods
+
+**Notes:**
+- Bank account only required for direct debit
+- Validation must be conditional based on payment method
+
+---
+
+### Phase 2: Extend BookingCreateDto
+
+#### Task 2.1: Add Payment Property to BookingCreateDto
+**Files:**
+- `src/Form/Model/BookingCreateDto.php`
+
+**Actions:**
+- [ ] Add property: `public PaymentDto $payment`
+- [ ] Initialize in constructor: `$this->payment = new PaymentDto()`
+- [ ] Ensure serialization works for session storage
+
+**Notes:**
+- Payment data stored in session alongside participant data
+- Must survive page navigation
+
+---
+
+### Phase 3: Create Step 3 Form Types
+
+#### Task 3.1: Create BankAccountType
+**Status:** ✅ Simplified - BIC omitted
+**Files:**
+- `src/Form/BankAccountType.php` (new)
+
+**Actions:**
+- [ ] Create form type for `BankAccountDto`
+- [ ] Add fields:
+  - `iban` - TextType with formatting help text (monospace font)
+  - `accountHolder` - TextType (required)
+  - `bankName` - TextType (optional)
+  - `sepaMandateAccepted` - CheckboxType with rich label (SEPA text)
+- [ ] Add data transformer for IBAN:
+  - Strip spaces from IBAN on submit
+  - Format IBAN with spaces for display
+- [ ] Add help text with IBAN format example: "DE12 3456 7890 1234 5678 90"
+- [ ] Style SEPA mandate as prominent checkbox with simple legal text
+
+**Notes:**
+- Use monospace font for IBAN field
+- Add inline validation feedback
+- SEPA text: Simple generic authorization text (no Creditor ID needed)
+
+---
+
+#### Task 3.2: Create PaymentType
+**Files:**
+- `src/Form/PaymentType.php` (new)
+
+**Actions:**
+- [ ] Create form type for `PaymentDto`
+- [ ] Add field: `paymentMethod` - ChoiceType (expanded radios)
+  - Choice 1: 'transfer' → "Überweisung"
+  - Choice 2: 'debit' → "Lastschrift"
+- [ ] Add field: `bankAccount` - BankAccountType (conditional)
+- [ ] Add form events to show/hide bank account fields:
+  - `PRE_SET_DATA` - Add bank account if debit selected
+  - `PRE_SUBMIT` - Add bank account if debit submitted
+- [ ] Add JavaScript/HTMX to toggle bank account section visibility
+
+**Notes:**
+- Bank account section hidden when transfer selected
+- Use Stimulus controller for toggle behavior
+- Smooth transition when switching payment methods
+
+---
+
+#### Task 3.3: Create BookingCreateStep3Type
+**Files:**
+- `src/Form/BookingCreateStep3Type.php` (new)
+
+**Actions:**
+- [ ] Create form type for `BookingCreateDto` (uses payment property)
+- [ ] Add field: `payment` - PaymentType
+- [ ] Set data_class to `BookingCreateDto::class`
+- [ ] Add validation groups: `['payment']`
+
+**Notes:**
+- Follows same pattern as Step1Type and Step2Type
+- Validates only payment-related fields
+
+---
+
+### Phase 4: Create Step 3 Controller
+
+#### Task 4.1: Create CreateStep3Controller
+**Files:**
+- `src/Controller/Booking/CreateStep3Controller.php` (new)
+
+**Actions:**
+- [ ] Create controller with two actions:
+  - `step3()` - Display form (GET)
+  - `processStep3()` - Process form (POST)
+- [ ] Load `BookingCreateDto` from session
+- [ ] Create form with `BookingCreateStep3Type`
+- [ ] On valid submission:
+  - Update session with payment data
+  - Redirect to confirmation/summary page (or direct to API submission)
+- [ ] Add "Back to Step 2" button
+- [ ] Add route: `/booking/create/step-3`
+- [ ] Add access control: `@IsGranted('IS_AUTHENTICATED_ANONYMOUSLY')`
+
+**Notes:**
+- Session key: same as Step 1/2 (`booking_create_dto`)
+- Validate that Steps 1 & 2 are complete before showing Step 3
+- Clear session on final submission
+
+---
+
+### Phase 5: Create Step 3 Template
+
+#### Task 5.1: Create step_3.html.twig
+**Files:**
+- `templates/booking/create_step_3.html.twig` (new)
+
+**Actions:**
+- [ ] Create template extending base layout
+- [ ] Add progress indicator (Step 1 → Step 2 → **Step 3** → Confirmation)
+- [ ] Add payment method selection with clear labels
+- [ ] Add conditional bank account section:
+  - Hidden by default
+  - Shows when direct debit selected
+  - Smooth CSS transition
+- [ ] Add form with:
+  - Payment method radios (large, clear)
+  - Bank account fields (conditional)
+  - SEPA mandate checkbox with legal text
+  - "Back" and "Continue" buttons
+- [ ] Add Stimulus controller for payment method toggle
+- [ ] Add inline validation feedback
+- [ ] Add help text for IBAN format examples
+
+**Notes:**
+- Clear visual hierarchy: payment method choice prominent
+- Bank account section visually grouped
+- SEPA text: "Ich ermächtige [Company] Zahlungen von meinem Konto mittels Lastschrift einzuziehen..."
+
+---
+
+### Phase 6: Update Navigation Flow
+
+#### Task 6.1: Update CreateStep2Controller
+**Files:**
+- `src/Controller/Booking/CreateStep2Controller.php`
+
+**Actions:**
+- [ ] Change successful submission redirect:
+  - FROM: Confirmation page
+  - TO: `app_booking_create_step_3`
+- [ ] Keep session data intact (don't clear)
+
+**Notes:**
+- Simple redirect change
+- Session persistence already in place
+
+---
+
+#### Task 6.2: Add Navigation Helpers
+**Files:**
+- `src/Service/BookingSessionService.php` (new, optional)
+
+**Actions:**
+- [ ] Create service to manage booking session state (optional)
+- [ ] Add methods:
+  - `getBookingDto(): ?BookingCreateDto`
+  - `saveBookingDto(BookingCreateDto $dto): void`
+  - `clearBookingSession(): void`
+  - `validateStepAccess(int $step): bool` - Check prerequisite steps
+- [ ] Inject into controllers
+
+**Notes:**
+- Optional improvement for cleaner controller code
+- Can be deferred if time-constrained
+
+---
+
+### Phase 7: Add Validation & Error Handling
+
+**Status:** ✅ Simplified - Using Symfony's built-in validators only
+
+**Notes:**
+- Symfony's `@Assert\Iban` is sufficient for IBAN validation
+- No custom validators needed
+- German error messages configured in translation files
+
+---
+
+### Phase 8: Add SEPA Mandate Text Management
+
+#### Task 8.1: Create SEPA Mandate Template
+**Files:**
+- `templates/booking/_sepa_mandate_text.html.twig` (new)
+
+**Actions:**
+- [ ] Create reusable template partial with SEPA mandate text
+- [ ] Include variables:
+  - Company name
+  - Creditor ID (SEPA Gläubiger-ID)
+  - Mandate reference (generated per booking)
+- [ ] Format as legal text with proper line breaks
+- [ ] Add checkbox label referencing this text
+
+**Notes:**
+- Text must be legally compliant
+- Consult legal team for exact wording
+- Consider making mandate reference visible to user
+
+---
+
+### Phase 9: Frontend Enhancements
+
+#### Task 9.1: Create Payment Toggle Stimulus Controller
+**Files:**
+- `assets/controllers/payment_toggle_controller.js` (new)
+
+**Actions:**
+- [ ] Create Stimulus controller to toggle bank account visibility
+- [ ] Listen to payment method radio change
+- [ ] Show/hide bank account section with smooth transition
+- [ ] Clear bank account fields when switching to transfer
+- [ ] Add/remove required attributes dynamically
+
+**Notes:**
+- Use CSS transitions for smooth UX
+- Ensure accessibility (aria attributes)
+- Works without JavaScript (progressive enhancement)
+
+---
+
+#### Task 9.2: Add IBAN Formatting Helper
+**Files:**
+- `assets/controllers/iban_formatter_controller.js` (new)
+
+**Actions:**
+- [ ] Create Stimulus controller for IBAN input
+- [ ] Format IBAN with spaces as user types: `DE12 3456 7890 1234 5678 90`
+- [ ] Strip spaces on submit
+- [ ] Show character count/validation status
+- [ ] Use monospace font for input
+
+**Notes:**
+- Real-time formatting improves UX
+- Visual feedback for correct format
+- Consider using library: `iban-formatter`
+
+---
+
+### Phase 10: Testing
+
+#### Task 10.1: Create Unit Tests
+**Files:**
+- `tests/Form/Model/BankAccountDtoTest.php` (new)
+- `tests/Form/Model/PaymentDtoTest.php` (new)
+
+**Actions:**
+- [ ] Test IBAN validation (valid/invalid formats)
+- [ ] Test conditional validation (bank account required for debit)
+- [ ] Test SEPA mandate validation
+- [ ] Test account holder name validation
+
+**Notes:**
+- Cover edge cases: empty, malformed, international IBANs
+- Test both valid and invalid inputs
+
+---
+
+#### Task 10.2: Create Integration Tests
+**Files:**
+- `tests/Controller/Booking/CreateStep3ControllerTest.php` (new)
+
+**Actions:**
+- [ ] Test form display
+- [ ] Test transfer selection (no bank account)
+- [ ] Test debit selection (requires bank account)
+- [ ] Test validation errors
+- [ ] Test session persistence
+- [ ] Test navigation (back to Step 2)
+
+**Notes:**
+- Use test client to simulate user interaction
+- Verify session state after each action
+
+---
+
+### Phase 11: Update API Submission
+
+#### Task 11.1: Update BookingDataProcessor
+**Status:** ✅ Simplified - BIC omitted from API payload
+**Files:**
+- `src/BusProNet/DataProcessor/BookingDataProcessor.php`
+
+**Actions:**
+- [ ] Update `createBookingRequestPayload()` method (when implemented in Phase 5)
+- [ ] Add payment data to API payload:
+  - Payment method (`zahlart`)
+  - Bank account details (if debit):
+    - IBAN (`iban`)
+    - Account holder (`kontoinhaber`)
+    - Bank name (`bankname`) - optional
+- [ ] Map payment method to API codes:
+  - 'transfer' → 'UE' (or appropriate API code)
+  - 'debit' → 'LS' (or appropriate API code)
+
+**Notes:**
+- BIC omitted (not required for SEPA since 2016)
+- Check BPN API documentation for exact field names
+- SEPA mandate reference may need to be generated
+
+---
+
+#### Task 11.2: Store SEPA Mandate Reference
+**Files:**
+- `src/Service/SepaMandateService.php` (new)
+
+**Actions:**
+- [ ] Create service to generate unique SEPA mandate references
+- [ ] Format: `[PREFIX]-[BOOKING_ID]-[TIMESTAMP]`
+- [ ] Store reference in booking data
+- [ ] Make available for PDF invoice generation
+
+**Notes:**
+- Mandate reference must be unique and traceable
+- Consider using UUID or sequential ID
+
+---
+
+## Database Considerations
+
+### SEPA Mandate Storage
+
+**Option 1: Store in Booking API Data**
+- Mandate reference sent to BPN API
+- Stored in BPN system
+- Retrieved with booking data
+
+**Option 2: Local Database Table**
+- Create `sepa_mandates` table
+- Store: mandate_id, booking_id, iban, date_signed, status
+- Allows local tracking and reporting
+
+**Recommendation:** Start with Option 1 (API storage), add Option 2 if needed for compliance/reporting
+
+---
+
+## Security Considerations
+
+1. **HTTPS Required:** Bank details must be transmitted over HTTPS only
+2. **Session Security:** Ensure session data encrypted
+3. **Input Sanitization:** Strip/validate all bank account inputs
+4. **CSRF Protection:** Ensure form has CSRF token
+5. **Rate Limiting:** Prevent brute force on payment form
+6. **Audit Trail:** Log payment method changes
+
+---
+
+## UX Considerations
+
+1. **Clear Labels:** "Überweisung" and "Lastschrift" with explanations
+2. **Visual Feedback:** Show selected payment method prominently
+3. **Inline Validation:** Real-time IBAN format checking
+4. **Error Messages:** Clear, actionable German error messages
+5. **Help Text:** Examples of valid IBAN formats
+6. **Progress Indicator:** Show user is on Step 3 of 4
+7. **Mobile Friendly:** Large touch targets for payment method selection
+
+---
+
+## Error Handling
+
+### Validation Errors
+- Show inline next to field
+- Highlight invalid fields in red
+- Provide clear guidance on how to fix
+
+### Session Errors
+- If session expired, redirect to Step 1 with message
+- Preserve as much data as possible
+
+### API Errors
+- If payment method not accepted by API, show clear error
+- Suggest alternative payment method
+
+---
+
+## Localization
+
+All text in German:
+- **Überweisung:** Direct transfer
+- **Lastschrift:** Direct debit
+- **IBAN:** Internationale Bankkontonummer
+- **BIC:** Bank Identifier Code
+- **Kontoinhaber:** Account holder
+- **SEPA-Mandat:** SEPA mandate
+- **Bankname:** Bank name
+
+Error messages in German with clear instructions.
+
+---
+
+## Dependencies
+
+### PHP Libraries
+- `symfony/validator` (already installed)
+- `symfony/form` (already installed)
+- Consider: `iban-validation/iban` for enhanced IBAN validation (optional)
+
+### JavaScript Libraries
+- Stimulus (already installed)
+- Consider: Custom IBAN formatter or library
+
+### No new major dependencies required
+
+---
+
+## Migration Path
+
+1. Implement in order: Phases 1 → 2 → 3 → 4 → 5 → 6
+2. Test each phase before moving to next
+3. Phases 7-11 can be done in parallel after Phase 6
+4. Deploy behind feature flag initially (optional)
+
+---
+
+## Open Questions
+
+1. **SEPA Creditor ID:** What is the company's SEPA Gläubiger-ID?
+2. **Payment Method Codes:** What are the exact BPN API codes for transfer/debit?
+3. **Mandate Reference Format:** Any specific format requirements?
+4. **Invoice Generation:** Does invoice need to show SEPA mandate reference?
+5. **Default Payment Method:** Should we pre-select one method?
+6. **International IBANs:** Support only German IBANs or EU-wide?
+
+---
+
+## Success Criteria
+
+- [ ] User can select payment method
+- [ ] Bank account fields shown only for direct debit
+- [ ] IBAN validated correctly
+- [ ] SEPA mandate text displayed and accepted
+- [ ] Payment data stored in session
+- [ ] Payment data submitted to API
+- [ ] Session cleared after successful booking
+- [ ] All validation works (unit + integration tests)
+- [ ] Mobile-friendly UI
+- [ ] Accessible (keyboard navigation, screen readers)
+
+---
+
+## Timeline Estimate
+
+- **Phase 1-2:** DTOs & Validation - 2 hours
+- **Phase 3:** Form Types - 2 hours
+- **Phase 4:** Controller - 1 hour
+- **Phase 5:** Template - 2 hours
+- **Phase 6:** Navigation - 0.5 hour
+- **Phase 7:** Custom Validators - 1 hour (optional)
+- **Phase 8:** SEPA Text - 0.5 hour
+- **Phase 9:** Frontend - 2 hours
+- **Phase 10:** Testing - 2 hours
+- **Phase 11:** API Integration - 1 hour
+
+**Total:** ~14 hours (can be reduced if some phases skipped/simplified)
+
+---
+
+## References
+
+- SEPA Direct Debit Scheme: https://www.europeanpaymentscouncil.eu/
+- IBAN Validation: https://en.wikipedia.org/wiki/International_Bank_Account_Number
+- Symfony Form Events: https://symfony.com/doc/current/form/events.html
+- Symfony Validation: https://symfony.com/doc/current/validation.html
+
+---
+
+**End of Document**
\ No newline at end of file
diff --git a/src/Controller/Booking/BookingCreateTrait.php b/src/Controller/Booking/BookingCreateTrait.php
index abf9f44..0df8d33 100644
--- a/src/Controller/Booking/BookingCreateTrait.php
+++ b/src/Controller/Booking/BookingCreateTrait.php
@@ -46,4 +46,35 @@ trait BookingCreateTrait
 
         return $this->redirectToRoute($route);
     }
+
+    /**
+     * Returns the total number of participants based on room selections.
+     */
+    private function getParticipantsCount(BookingCreateDto $bookingCreateDto): int
+    {
+        return $this
+            ->bookingService
+            ->getParticipantsCount($bookingCreateDto->roomSelections, $bookingCreateDto->travel);
+    }
+
+    /**
+     * Prepares template variables for the booking summary sidebar.
+     *
+     * @return array<string, mixed> Array containing all variables needed for the summary partial
+     */
+    private function getSummaryVariables(BookingCreateDto $bookingCreateDto): array
+    {
+        $participantsCount = $this->getParticipantsCount($bookingCreateDto);
+        $summary = $this->bookingService->getRoomSummaryAndParticipantCount($bookingCreateDto);
+        $roomAssignmentCounts = $this->bookingService->getRoomAssignmentCounts($bookingCreateDto);
+        $availableRooms = $bookingCreateDto->travel->getAvailableRooms();
+        $groupedSelectedRooms = $this->bookingService->groupRoomSelectionsByType($bookingCreateDto->getSelectedRooms(), $availableRooms);
+
+        return [
+            'participantsCount' => $participantsCount,
+            'pricingData' => $summary['pricing'],
+            'assignmentCounts' => $roomAssignmentCounts,
+            'groupedSelectedRooms' => $groupedSelectedRooms,
+        ];
+    }
 }
diff --git a/src/Controller/Booking/CreateStep2Controller.php b/src/Controller/Booking/CreateStep2Controller.php
index 0a34216..2f194b8 100644
--- a/src/Controller/Booking/CreateStep2Controller.php
+++ b/src/Controller/Booking/CreateStep2Controller.php
@@ -166,20 +166,6 @@ class CreateStep2Controller extends AbstractController
         return $response;
     }
 
-    /**
-     * Calculates the total number of participants based on room selections.
-     *
-     * @param BookingCreateDto $bookingCreateDto The booking DTO containing room selections
-     *
-     * @return int Total number of participants required
-     */
-    private function getParticipantsCount(BookingCreateDto $bookingCreateDto): int
-    {
-        return $this
-            ->bookingService
-            ->getParticipantsCount($bookingCreateDto->roomSelections, $bookingCreateDto->travel);
-    }
-
     /**
      * Ensures the booking DTO has the correct number of participant objects.
      *
diff --git a/src/Controller/Booking/CreateStep3Controller.php b/src/Controller/Booking/CreateStep3Controller.php
index 6b31450..13cad92 100644
--- a/src/Controller/Booking/CreateStep3Controller.php
+++ b/src/Controller/Booking/CreateStep3Controller.php
@@ -4,35 +4,37 @@ declare(strict_types=1);
 
 namespace App\Controller\Booking;
 
+use App\BusProNet\Constants;
+use App\Controller\Traits\HtmxControllerTrait;
+use App\Form\BookingCreateStep3Type;
 use App\Service\BookingService;
 use Symfony\Bundle\FrameworkBundle\Controller\AbstractController;
 use Symfony\Component\HttpFoundation\Request;
 use Symfony\Component\HttpFoundation\Response;
 use Symfony\Component\Routing\Attribute\Route;
+use Symfony\Component\Security\Http\Attribute\IsGranted;
 
 /**
- * Handles the third step of the booking creation process.
- *
- * This controller manages the booking confirmation and final review
- * before completing the booking process.
+ * Handles the third step of the booking creation process (payment method selection).
  */
 class CreateStep3Controller extends AbstractController
 {
     use BookingCreateTrait;
     use BookingExceptionHandlerTrait;
+    use HtmxControllerTrait;
 
     public function __construct(
-        private readonly BookingService $bookingCreateService,
+        private readonly BookingService $bookingService,
     ) {
     }
 
     /**
-     * Displays the booking confirmation page.
+     * Displays and processes the payment method form.
      */
-    #[Route('/bookings/create/confirm', name: 'app_booking_create_step_3')]
-    public function confirm(Request $request): Response
+    #[Route('/bookings/create/payment', name: 'app_booking_create_step_3')]
+    public function step3(Request $request): Response
     {
-        $result = $this->getOrCreateBookingCreateDto($this->bookingCreateService, $request);
+        $result = $this->getOrCreateBookingCreateDto($this->bookingService, $request);
         if ($result instanceof Response) {
             return $result;
         }
@@ -43,8 +45,48 @@ class CreateStep3Controller extends AbstractController
             return $redirect;
         }
 
+        $form = $this->createForm(BookingCreateStep3Type::class, $bookingCreateDto);
+        $form->handleRequest($request);
+
+        if ($form->isSubmitted() && $form->isValid()) {
+            $this->bookingService->saveBookingCreateDto($request, $bookingCreateDto);
+
+            // TODO: Redirect to confirmation page or direct API submission
+            $this->addFlash('success', 'Zahlungsart erfolgreich ausgewählt.');
+
+            return $this->redirectToRoute('app_booking_create_step_3');
+        }
+
         return $this->render('booking/create_step_3.html.twig', [
             'bookingCreateDto' => $bookingCreateDto,
+            'form' => $form->createView(),
+            ...$this->getSummaryVariables($bookingCreateDto),
+        ]);
+    }
+
+    /**
+     * Handles HTMX refresh when payment method changes.
+     */
+    #[Route('/bookings/create/payment/refresh', name: 'app_booking_create_step_3_refresh')]
+    public function refresh(Request $request): Response
+    {
+        $result = $this->getOrCreateBookingCreateDto($this->bookingService, $request);
+        if ($result instanceof Response) {
+            return $result;
+        }
+        $bookingCreateDto = $result;
+
+        $form = $this->createForm(BookingCreateStep3Type::class, $bookingCreateDto, [
+            'validation_groups' => false,
+        ]);
+        $form->handleRequest($request);
+
+        $this->bookingService->saveBookingCreateDto($request, $bookingCreateDto);
+
+        return $this->render('booking/create_step_3.html.twig', [
+            'bookingCreateDto' => $bookingCreateDto,
+            'form' => $form->createView(),
+            ...$this->getSummaryVariables($bookingCreateDto),
         ]);
     }
 }
diff --git a/src/Form/BankAccountType.php b/src/Form/BankAccountType.php
new file mode 100644
index 0000000..8a60431
--- /dev/null
+++ b/src/Form/BankAccountType.php
@@ -0,0 +1,53 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Form;
+
+use App\Form\Model\BankAccountDto;
+use Symfony\Component\Form\AbstractType;
+use Symfony\Component\Form\Extension\Core\Type\CheckboxType;
+use Symfony\Component\Form\Extension\Core\Type\TextType;
+use Symfony\Component\Form\FormBuilderInterface;
+use Symfony\Component\OptionsResolver\OptionsResolver;
+
+class BankAccountType extends AbstractType
+{
+    public function buildForm(FormBuilderInterface $builder, array $options): void
+    {
+        $builder
+            ->add('iban', TextType::class, [
+                'label' => 'IBAN',
+                'required' => true,
+                'attr' => [
+                    'class' => 'font-mono',
+                    'placeholder' => 'DE12 3456 7890 1234 5678 90',
+                ],
+            ])
+            ->add('accountHolder', TextType::class, [
+                'label' => 'Kontoinhaber',
+                'required' => true,
+            ])
+            ->add('bankName', TextType::class, [
+                'label' => 'Bankname',
+                'required' => false,
+                'attr' => [
+                    'placeholder' => 'optional',
+                ],
+            ])
+            ->add('sepaMandateAccepted', CheckboxType::class, [
+                'label' => '<span class="text-gray-700 font-normal">Hiermit ermächtige/n ich/wir Sie widerruflich, die von mir/uns zu entrichtende Zahlung bei Fälligkeit zu Lasten meines/unseres Girokontos durch Lastschrift einzuziehen.</span><br>' .
+                    '<span class="text-red-600 font-semibold">Bei kurzfristigen Buchungen (ab 2 Wochen vor Reisebeginn) ist Lastschrift NICHT mehr möglich.</span>',
+                'required' => true,
+                'label_html' => true,
+            ])
+        ;
+    }
+
+    public function configureOptions(OptionsResolver $resolver): void
+    {
+        $resolver->setDefaults([
+            'data_class' => BankAccountDto::class,
+        ]);
+    }
+}
diff --git a/src/Form/BookingCreateStep3Type.php b/src/Form/BookingCreateStep3Type.php
new file mode 100644
index 0000000..12a8c92
--- /dev/null
+++ b/src/Form/BookingCreateStep3Type.php
@@ -0,0 +1,99 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Form;
+
+use App\BusProNet\Constants;
+use App\Form\Model\BookingCreateDto;
+use Carbon\CarbonImmutable;
+use Symfony\Component\Form\AbstractType;
+use Symfony\Component\Form\Extension\Core\Type\ChoiceType;
+use Symfony\Component\Form\FormBuilderInterface;
+use Symfony\Component\Form\FormEvent;
+use Symfony\Component\Form\FormEvents;
+use Symfony\Component\OptionsResolver\OptionsResolver;
+
+class BookingCreateStep3Type extends AbstractType
+{
+    public function buildForm(FormBuilderInterface $builder, array $options): void
+    {
+        $builder
+            ->add('paymentMethod', ChoiceType::class, [
+                'label' => 'Bitte wähle hier die gewünschte Zahlungsart:',
+                'choices' => [
+                    'Überweisung' => Constants::PAYMENT_METHOD_TRANSFER,
+                    'Lastschrift (Einzugsermächtigungsverfahren)' => Constants::PAYMENT_METHOD_DEBIT,
+                ],
+                'expanded' => true,
+                'required' => true,
+                'placeholder' => false,
+                'label_html' => true,
+                'choice_attr' => function (string $choice) use ($options): array {
+                    if (Constants::PAYMENT_METHOD_DEBIT === $choice && false === $this->isDebitAvailable($options['data'])) {
+                        return [
+                            'readonly' => true,
+                            'data-tooltip' => 'nicht mehr verfügbar (weniger als 14 Tage vor Reisebeginn)',
+                        ];
+                    }
+
+                    return [];
+                },
+            ])
+        ;
+
+        // Add bank account fields conditionally based on payment method
+        $builder->addEventListener(FormEvents::POST_SET_DATA, function (FormEvent $event): void {
+            $bookingDto = $event->getData();
+
+            if (Constants::PAYMENT_METHOD_DEBIT === $bookingDto->paymentMethod) {
+                $this->addBankAccountField($event->getForm());
+            }
+        });
+
+        $builder->addEventListener(FormEvents::PRE_SUBMIT, function (FormEvent $event): void {
+            $data = $event->getData();
+            $form = $event->getForm();
+            $paymentMethod = $data['paymentMethod'] ?? null;
+
+            if ($form->has('bankAccount')) {
+                $form->remove('bankAccount');
+            }
+
+            if (Constants::PAYMENT_METHOD_DEBIT === $paymentMethod) {
+                $this->addBankAccountField($form);
+            }
+        });
+    }
+
+    public function configureOptions(OptionsResolver $resolver): void
+    {
+        $resolver->setDefaults([
+            'data_class' => BookingCreateDto::class,
+        ]);
+    }
+
+    /**
+     * Adds the bank account field to the form.
+     */
+    private function addBankAccountField($form): void
+    {
+        $form->add('bankAccount', BankAccountType::class, [
+            'label' => false,
+        ]);
+    }
+
+    /**
+     * Checks if direct debit payment is available based on travel date.
+     *
+     * Direct debit is only available if the travel starts at least 14 days from now.
+     */
+    private function isDebitAvailable(BookingCreateDto $bookingDto): bool
+    {
+        $travelStartDate = CarbonImmutable::instance($bookingDto->travel->dateFrom);
+        $now = CarbonImmutable::now();
+        $daysUntilTravel = $now->diffInDays($travelStartDate, false);
+
+        return $daysUntilTravel >= 14;
+    }
+}
diff --git a/src/Form/Model/BankAccountDto.php b/src/Form/Model/BankAccountDto.php
new file mode 100644
index 0000000..fa46110
--- /dev/null
+++ b/src/Form/Model/BankAccountDto.php
@@ -0,0 +1,61 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Form\Model;
+
+use Symfony\Component\Validator\Constraints as Assert;
+
+/**
+ * DTO for bank account information used in payment processing.
+ */
+class BankAccountDto
+{
+    #[Assert\NotBlank(message: 'Bitte geben Sie Ihre IBAN ein.')]
+    #[Assert\Iban(message: 'Die eingegebene IBAN ist ungültig.')]
+    public ?string $iban = null;
+
+    #[Assert\NotBlank(message: 'Bitte geben Sie den Kontoinhaber ein.')]
+    #[Assert\Length(
+        min: 2,
+        max: 70,
+        minMessage: 'Der Kontoinhaber muss mindestens {{ limit }} Zeichen lang sein.',
+        maxMessage: 'Der Kontoinhaber darf maximal {{ limit }} Zeichen lang sein.'
+    )]
+    public ?string $accountHolder = null;
+
+    #[Assert\Length(
+        max: 70,
+        maxMessage: 'Der Bankname darf maximal {{ limit }} Zeichen lang sein.'
+    )]
+    public ?string $bankName = null;
+
+    #[Assert\IsTrue(message: 'Bitte akzeptieren Sie das SEPA-Mandat.')]
+    public bool $sepaMandateAccepted = false;
+
+    /**
+     * Returns IBAN formatted with spaces for display (e.g., DE12 3456 7890 1234 5678 90).
+     */
+    public function getFormattedIban(): ?string
+    {
+        if (null === $this->iban) {
+            return null;
+        }
+
+        $cleanIban = $this->getIbanWithoutSpaces();
+
+        return chunk_split($cleanIban, 4, ' ');
+    }
+
+    /**
+     * Returns IBAN without spaces for storage and API submission.
+     */
+    public function getIbanWithoutSpaces(): ?string
+    {
+        if (null === $this->iban) {
+            return null;
+        }
+
+        return (string) preg_replace('/\s+/', '', $this->iban);
+    }
+}
diff --git a/src/Form/Model/BookingCreateDto.php b/src/Form/Model/BookingCreateDto.php
index 3194500..d3b3827 100644
--- a/src/Form/Model/BookingCreateDto.php
+++ b/src/Form/Model/BookingCreateDto.php
@@ -2,6 +2,7 @@
 
 namespace App\Form\Model;
 
+use App\BusProNet\Constants;
 use App\BusProNet\Model\Travel;
 use Symfony\Component\Validator\Constraints as Assert;
 use Symfony\Component\Validator\Context\ExecutionContextInterface;
@@ -22,6 +23,14 @@ class BookingCreateDto implements BookingDtoInterface
     #[Assert\Valid]
     public array $participants = [];
 
+    #[Assert\Choice(
+        choices: [Constants::PAYMENT_METHOD_TRANSFER, Constants::PAYMENT_METHOD_DEBIT],
+        message: 'Bitte wählen Sie eine gültige Zahlungsart.'
+    )]
+    public ?string $paymentMethod = Constants::PAYMENT_METHOD_TRANSFER;
+
+    public ?BankAccountDto $bankAccount = null;
+
     public function __construct(public Travel $travel, public int $hotelId)
     {
     }
@@ -95,4 +104,41 @@ class BookingCreateDto implements BookingDtoInterface
                 ->addViolation();
         }
     }
+
+    #[Assert\Callback]
+    public function validateBankAccount(ExecutionContextInterface $context): void
+    {
+        if (Constants::PAYMENT_METHOD_DEBIT !== $this->paymentMethod) {
+            return;
+        }
+
+        if (null === $this->bankAccount) {
+            $context->buildViolation('Bitte geben Sie Ihre Bankverbindung an.')
+                ->atPath('bankAccount')
+                ->addViolation();
+
+            return;
+        }
+
+        // Validate IBAN
+        if (null === $this->bankAccount->iban || '' === trim($this->bankAccount->iban)) {
+            $context->buildViolation('Bitte geben Sie Ihre IBAN ein.')
+                ->atPath('bankAccount.iban')
+                ->addViolation();
+        }
+
+        // Validate account holder
+        if (null === $this->bankAccount->accountHolder || '' === trim($this->bankAccount->accountHolder)) {
+            $context->buildViolation('Bitte geben Sie den Kontoinhaber ein.')
+                ->atPath('bankAccount.accountHolder')
+                ->addViolation();
+        }
+
+        // Validate SEPA mandate
+        if (false === $this->bankAccount->sepaMandateAccepted) {
+            $context->buildViolation('Bitte akzeptieren Sie das SEPA-Mandat.')
+                ->atPath('bankAccount.sepaMandateAccepted')
+                ->addViolation();
+        }
+    }
 }
diff --git a/src/Form/Model/ParticipantDto.php b/src/Form/Model/ParticipantDto.php
index cfe7c4e..35e59a2 100644
--- a/src/Form/Model/ParticipantDto.php
+++ b/src/Form/Model/ParticipantDto.php
@@ -12,6 +12,28 @@ use Symfony\Component\Validator\Constraints as Assert;
 #[AppAssert\Participant(groups: ['booking_edit', 'booking_create_step_2'])]
 class ParticipantDto
 {
+    /**
+     * List of dynamic participant fields that can be conditionally hidden/shown.
+     */
+    public const DYNAMIC_FIELDS = [
+        'assignedRoomId',
+        'remarksRoom',
+        'courses',
+        'additionalServices',
+        'board',
+        'rentals',
+        'rentalInsurance',
+        'skiPass',
+        'transportationOutbound',
+        'transportationInbound',
+        'pickupOutbound',
+        'pickupInbound',
+        'parking',
+        'licensePlate',
+        'bulkInsuranceBooking',
+        'insurance',
+    ];
+
     public ?int $index = null;
     public ?int $addressId = null;
     public ?int $personId = null;
diff --git a/src/Form/PaymentType.php b/src/Form/PaymentType.php
new file mode 100644
index 0000000..4f1e6af
--- /dev/null
+++ b/src/Form/PaymentType.php
@@ -0,0 +1,106 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Form;
+
+use App\BusProNet\Constants;
+use App\Form\Model\BookingCreateDto;
+use Carbon\CarbonImmutable;
+use Symfony\Component\Form\AbstractType;
+use Symfony\Component\Form\Extension\Core\Type\ChoiceType;
+use Symfony\Component\Form\FormBuilderInterface;
+use Symfony\Component\Form\FormEvent;
+use Symfony\Component\Form\FormEvents;
+use Symfony\Component\OptionsResolver\OptionsResolver;
+
+class PaymentType extends AbstractType
+{
+    public function buildForm(FormBuilderInterface $builder, array $options): void
+    {
+        $builder
+            ->add('paymentMethod', ChoiceType::class, [
+                'label' => 'Zahlungsart',
+                'help' => 'Lastschrift ist nur bis 14 Tage vor Reisebeginn möglich',
+                'choices' => [
+                    'Überweisung' => Constants::PAYMENT_METHOD_TRANSFER,
+                    'Lastschrift' => Constants::PAYMENT_METHOD_DEBIT,
+                ],
+                'expanded' => true,
+                'required' => true,
+                'placeholder' => false,
+            ])
+        ;
+
+        // Add bank account fields conditionally based on payment method
+        $builder->addEventListener(FormEvents::PRE_SET_DATA, function (FormEvent $event): void {
+            $bookingDto = $event->getData();
+
+            // Add choice_attr dynamically based on travel date
+            $paymentMethodField = $event->getForm()->get('paymentMethod');
+            $paymentMethodConfig = $paymentMethodField->getConfig();
+
+            // Rebuild the field with dynamic choice_attr
+            $event->getForm()->add('paymentMethod', ChoiceType::class, [
+                'label' => 'Zahlungsart',
+                'help' => 'Lastschrift ist nur bis 14 Tage vor Reisebeginn möglich',
+                'choices' => [
+                    'Überweisung' => Constants::PAYMENT_METHOD_TRANSFER,
+                    'Lastschrift' => Constants::PAYMENT_METHOD_DEBIT,
+                ],
+                'expanded' => true,
+                'required' => true,
+                'placeholder' => false,
+                'choice_attr' => function (string $choice) use ($bookingDto): array {
+                    if (Constants::PAYMENT_METHOD_DEBIT === $choice && false === $this->isDebitAvailable($bookingDto)) {
+                        return [
+                            'readonly' => true,
+                            'data-tooltip' => 'nicht mehr verfügbar (weniger als 14 Tage vor Reisebeginn)',
+                        ];
+                    }
+
+                    return [];
+                },
+            ]);
+
+            // Add bank account fields if debit is selected
+            if (Constants::PAYMENT_METHOD_DEBIT === $bookingDto->paymentMethod) {
+                $event->getForm()->add('bankAccount', BankAccountType::class, [
+                    'label' => false,
+                ]);
+            }
+        });
+
+        $builder->addEventListener(FormEvents::PRE_SUBMIT, function (FormEvent $event): void {
+            $data = $event->getData();
+            $paymentMethod = $data['paymentMethod'] ?? null;
+
+            if (Constants::PAYMENT_METHOD_DEBIT === $paymentMethod) {
+                $event->getForm()->add('bankAccount', BankAccountType::class, [
+                    'label' => false,
+                ]);
+            }
+        });
+    }
+
+    public function configureOptions(OptionsResolver $resolver): void
+    {
+        $resolver->setDefaults([
+            'inherit_data' => true,
+        ]);
+    }
+
+    /**
+     * Checks if direct debit payment is available based on travel date.
+     *
+     * Direct debit is only available if the travel starts at least 14 days from now.
+     */
+    private function isDebitAvailable(BookingCreateDto $bookingDto): bool
+    {
+        $travelStartDate = CarbonImmutable::instance($bookingDto->travel->dateFrom);
+        $now = CarbonImmutable::now();
+        $daysUntilTravel = $now->diffInDays($travelStartDate, false);
+
+        return $daysUntilTravel >= 14;
+    }
+}
diff --git a/templates/booking/create_step_2.html.twig b/templates/booking/create_step_2.html.twig
index 36d3d25..c97d737 100644
--- a/templates/booking/create_step_2.html.twig
+++ b/templates/booking/create_step_2.html.twig
@@ -281,13 +281,7 @@
                                                     {% endif %}
                                                     {% if participant.licensePlate is defined %}
                                                         <div class="mt-4">
-                                                            {{ form_row(participant.licensePlate, {
-                                                                'attr': {
-                                                                    'hx-trigger': 'change',
-                                                                    'hx-post': path('app_booking_create_step_2_refresh'),
-                                                                    'hx-swap': 'none'
-                                                                }
-                                                            }) }}
+                                                            {{ form_row(participant.licensePlate) }}
                                                         </div>
                                                     {% endif %}
 
diff --git a/templates/booking/create_step_3.html.twig b/templates/booking/create_step_3.html.twig
index 50e3410..6e75580 100644
--- a/templates/booking/create_step_3.html.twig
+++ b/templates/booking/create_step_3.html.twig
@@ -1,4 +1,81 @@
 {% extends 'layout.html.twig' %}
 
+{# Local form theme override for consistent fieldset rendering #}
+{% use 'forms.html.twig' %}
+
+{% block form_row %}
+    {%- if form.vars.expanded is defined and form.vars.expanded -%}
+        {# Expanded forms get fieldset wrapper #}
+        <fieldset class="mb-1">
+            <legend class="font-semibold mb-1">
+                {{- form.vars.label -}}
+            </legend>
+            {{- form_widget(form, {
+                'attr': attr|default({})
+            }) -}}
+            {{- form_errors(form) -}}
+            {{- form_help(form) -}}
+        </fieldset>
+    {%- else -%}
+        {{- parent() -}}
+    {%- endif -%}
+{% endblock %}
+
 {% block content %}
+    {% include '_partials/_flashes.html.twig' %}
+
+    <h1>Neue Buchung</h1>
+
+    <div class="grid grid-cols-3 gap-8">
+        <div class="col-span-2">
+            <h2 class="mb-6">Zahlungsart</h2>
+
+            {{ form_start(form, {'attr': {'novalidate': 'novalidate'}}) }}
+
+            {# Payment method selection with HTMX #}
+            <div id="form-payment"
+                 hx-post="{{ path('app_booking_create_step_3_refresh') }}"
+                 hx-trigger="change from:input[type='radio']"
+                 hx-target="#form-payment"
+                 hx-select="#form-payment"
+                 hx-swap="outerHTML">
+                {{ form_row(form.paymentMethod) }}
+
+                {# Bank account section - conditionally rendered #}
+                {% if form.bankAccount is defined %}
+                    <div class="border border-gray-300 rounded-lg p-4 bg-gray-50 mt-4">
+                        <h3 class="font-semibold text-lg mb-4">Bankverbindung</h3>
+
+                        <div class="space-y-4">
+                            {{ form_row(form.bankAccount.iban) }}
+                            {{ form_row(form.bankAccount.accountHolder) }}
+                            {{ form_row(form.bankAccount.bankName) }}
+
+                            <div class="mt-6 p-4 bg-blue-50 border border-blue-200 rounded">
+                                {{ form_row(form.bankAccount.sepaMandateAccepted, {
+                                    'label_attr': {'class': 'text-sm'}
+                                }) }}
+                            </div>
+                        </div>
+                    </div>
+                {% endif %}
+            </div>
+
+            <div class="flex justify-between pt-6">
+                <a href="{{ path('app_booking_create_step_2') }}" class="button bg-button bg-button--secondary">Zurück</a>
+                <button type="submit" class="button bg-button bg-button--secondary">Weiter</button>
+            </div>
+
+            {{ form_end(form) }}
+        </div>
+
+        <div id="booking-summary">
+            {% include 'booking/_summary.html.twig' with {
+                'bookingCreateDto': bookingCreateDto,
+                'participantCount': participantsCount,
+                'groupedSelectedRooms': groupedSelectedRooms,
+                'assignmentCounts': assignmentCounts
+            } %}
+        </div>
+    </div>
 {% endblock %}