diff --git a/db/migrate/20260106225822_add_payments_table.rb b/db/migrate/20260106225822_add_payments_table.rb
new file mode 100644
index 000000000..88ae97ece
--- /dev/null
+++ b/db/migrate/20260106225822_add_payments_table.rb
@@ -0,0 +1,29 @@
+class AddPaymentsTable < ActiveRecord::Migration[8.1]
+  def change
+    create_table :payments do |t|
+      t.references :payer, polymorphic: true, null: false
+
+      t.references :payable, polymorphic: true, null: false
+
+      t.integer :amount_cents, null: false
+      t.string  :currency, null: false, default: "usd"
+
+      t.string :stripe_payment_intent_id, null: false
+      t.string :stripe_charge_id
+
+      t.string :status, null: false
+      t.string :failure_code
+      t.string :failure_message
+
+      t.json :stripe_metadata
+
+      t.timestamps
+    end
+
+    add_index :payments, :stripe_payment_intent_id, unique: true
+    add_index :payments, :stripe_charge_id
+    add_index :payments, [ :payer_type, :payer_id ]
+    add_index :payments, [ :payable_type, :payable_id ]
+    add_index :payments, [ :payable_type, :payable_id, :status ]
+  end
+end
diff --git a/db/schema.rb b/db/schema.rb
index 728c6960e..4283eef4d 100644
--- a/db/schema.rb
+++ b/db/schema.rb
@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[8.1].define(version: 2026_01_03_133222) do
+ActiveRecord::Schema[8.1].define(version: 2026_01_06_225822) do
   create_table "action_text_rich_texts", charset: "utf8mb4", collation: "utf8mb4_unicode_ci", force: :cascade do |t|
     t.text "body", size: :long
     t.datetime "created_at", null: false
@@ -447,6 +447,30 @@
     t.index ["noticeable_type", "noticeable_id"], name: "index_notifications_on_noticeable_type_and_noticeable_id"
   end
 
+  create_table "payments", charset: "utf8mb4", collation: "utf8mb4_0900_ai_ci", force: :cascade do |t|
+    t.integer "amount_cents", null: false
+    t.datetime "created_at", null: false
+    t.string "currency", default: "usd", null: false
+    t.string "failure_code"
+    t.string "failure_message"
+    t.bigint "payable_id", null: false
+    t.string "payable_type", null: false
+    t.bigint "payer_id", null: false
+    t.string "payer_type", null: false
+    t.string "status", null: false
+    t.string "stripe_charge_id"
+    t.json "stripe_metadata"
+    t.string "stripe_payment_intent_id", null: false
+    t.datetime "updated_at", null: false
+    t.index ["payable_type", "payable_id", "status"], name: "index_payments_on_payable_type_and_payable_id_and_status"
+    t.index ["payable_type", "payable_id"], name: "index_payments_on_payable"
+    t.index ["payable_type", "payable_id"], name: "index_payments_on_payable_type_and_payable_id"
+    t.index ["payer_type", "payer_id"], name: "index_payments_on_payer"
+    t.index ["payer_type", "payer_id"], name: "index_payments_on_payer_type_and_payer_id"
+    t.index ["stripe_charge_id"], name: "index_payments_on_stripe_charge_id"
+    t.index ["stripe_payment_intent_id"], name: "index_payments_on_stripe_payment_intent_id", unique: true
+  end
+
   create_table "permissions", id: :integer, charset: "utf8mb4", collation: "utf8mb4_unicode_ci", force: :cascade do |t|
     t.datetime "created_at", precision: nil, null: false
     t.integer "legacy_id"