diff --git a/crm/__init__.py b/crm/__init__.py
new file mode 100644
index 0000000..e69de29
diff --git a/crm/payments.py b/crm/payments.py
new file mode 100644
index 0000000..05c6dbe
--- /dev/null
+++ b/crm/payments.py
@@ -0,0 +1,316 @@
+#!/usr/bin/env python3
+# ═══════════════════════════════════════════════════════════════════
+# Fajl: crm/payments.py | v1.0.0 | 04.05.2026
+# Autor: Damir Radulić <dradulic@outlook.com> / damir@rinet.one
+# Lokacija: /opt/pgz-sport/crm/payments.py
+# Svrha: HUB-3 uplatnica PDF + EPC QR (BCD/002) generatori za HR mobilno banking
+# ═══════════════════════════════════════════════════════════════════
+"""HUB-3 + EPC QR helpers.
+
+HUB-3: standardna hrvatska uplatnica (HR pravilnik o izgledu).
+EPC QR: BCD/002/SCT (SEPA Credit Transfer) — čita Zaba, PBZ, Erste, OTP, RBA mobilne aplikacije.
+Format reference: https://www.europeanpaymentscouncil.eu (EPC069-12)
+"""
+from __future__ import annotations
+
+import io
+import re
+from datetime import date, datetime
+from typing import Optional
+
+import qrcode
+from qrcode.constants import ERROR_CORRECT_M
+from reportlab.lib.pagesizes import A4
+from reportlab.lib.units import mm
+from reportlab.pdfbase import pdfmetrics
+from reportlab.pdfbase.ttfonts import TTFont
+from reportlab.pdfgen import canvas
+from reportlab.lib.utils import ImageReader
+
+# ─────────────────────────────────────────────────────────────────────
+#  Helpers
+# ─────────────────────────────────────────────────────────────────────
+
+def normalize_iban(iban: str) -> str:
+    """Strip whitespace + uppercase. HR IBAN = 21 chars (HR + 19 digits)."""
+    return re.sub(r"\s+", "", (iban or "").upper())
+
+
+def format_iban(iban: str) -> str:
+    """Pretty-print: HR12 3456 7890 1234 5678 9."""
+    s = normalize_iban(iban)
+    return " ".join(s[i:i + 4] for i in range(0, len(s), 4))
+
+
+def format_eur(amount: float) -> str:
+    """1234.5  →  '1.234,50'  (HR notation)."""
+    s = f"{float(amount):,.2f}"
+    return s.replace(",", "X").replace(".", ",").replace("X", ".")
+
+
+def make_poziv_na_broj(klub_oib: Optional[str], godina: int, clanarina_id: int,
+                       model: str = "HR00") -> str:
+    """
+    Model HR00 (slobodni format) — koristimo: KLUB_OIB-GODINA-ID
+    Ako nema OIB-a, samo GODINA-ID.
+    Vraća (model, poziv) zaista nije separiran u 1 stringu — model je odvojen.
+    """
+    parts = []
+    if klub_oib:
+        # samo digiti
+        oib_digits = re.sub(r"\D", "", str(klub_oib))[:11]
+        if oib_digits:
+            parts.append(oib_digits)
+    parts.append(str(godina))
+    parts.append(str(clanarina_id))
+    return "-".join(parts)
+
+
+# ─────────────────────────────────────────────────────────────────────
+#  EPC QR (BCD/002)  — readable by HR mobile banking apps
+# ─────────────────────────────────────────────────────────────────────
+
+def build_epc_payload(*, primatelj: str, iban: str, amount_eur: float,
+                       opis: str, model: str = "HR00",
+                       poziv_na_broj: str = "",
+                       bic: str = "",
+                       purpose: str = "OTHR") -> str:
+    """
+    EPC069-12 SCT QR payload (version 002):
+
+      BCD            ← service tag
+      002            ← version
+      1              ← character set (1 = UTF-8)
+      SCT            ← SEPA Credit Transfer
+      [BIC]          ← optional in v002
+      [Beneficiary]  ← max 70
+      [IBAN]         ← max 34
+      EUR{amount}    ← e.g. EUR12.50
+      [Purpose]      ← max 4 (e.g. OTHR)
+      [Reference]    ← max 25 (structured)
+      [Remittance]   ← max 140 (unstructured) — used if no structured ref
+      [Hint]         ← optional
+
+    Ne smije premašiti ~331 byte ukupno.
+    """
+    iban = normalize_iban(iban)
+    amount = f"EUR{float(amount_eur):.2f}"
+    primatelj = (primatelj or "")[:70]
+    # structured ref ima prednost; ako nemamo, koristimo opis kao remittance
+    structured_ref = ""
+    remittance = ""
+    if poziv_na_broj:
+        structured_ref = f"{model} {poziv_na_broj}"[:35]
+        remittance = (opis or "")[:140]
+    else:
+        remittance = (opis or "")[:140]
+
+    lines = [
+        "BCD",
+        "002",
+        "1",
+        "SCT",
+        bic or "",
+        primatelj,
+        iban,
+        amount,
+        purpose,
+        structured_ref,
+        remittance,
+        "",  # hint
+    ]
+    return "\n".join(lines)
+
+
+def build_epc_qr_png(payload: str, box_size: int = 8) -> bytes:
+    """Vraća PNG bytes (Pillow) za EPC payload."""
+    qr = qrcode.QRCode(
+        version=None,
+        error_correction=ERROR_CORRECT_M,
+        box_size=box_size,
+        border=2,
+    )
+    qr.add_data(payload)
+    qr.make(fit=True)
+    img = qr.make_image(fill_color="black", back_color="white")
+    buf = io.BytesIO()
+    img.save(buf, format="PNG")
+    return buf.getvalue()
+
+
+# ─────────────────────────────────────────────────────────────────────
+#  HUB-3 PDF (A4, jedan list, gornji dio = barkod stripa, donji = pregled)
+# ─────────────────────────────────────────────────────────────────────
+
+# Font ćemo koristiti Helvetica (default ReportLab) — sigurno dostupan.
+# Ako želiš proper HR diakritike, registriraj DejaVu:
+def _ensure_font():
+    try:
+        if "DejaVu" not in pdfmetrics.getRegisteredFontNames():
+            for path in (
+                "/usr/share/fonts/truetype/dejavu/DejaVuSans.ttf",
+                "/usr/share/fonts/dejavu/DejaVuSans.ttf",
+            ):
+                try:
+                    pdfmetrics.registerFont(TTFont("DejaVu", path))
+                    pdfmetrics.registerFont(TTFont("DejaVu-Bold",
+                        path.replace("DejaVuSans.ttf", "DejaVuSans-Bold.ttf")))
+                    return "DejaVu", "DejaVu-Bold"
+                except Exception:
+                    continue
+    except Exception:
+        pass
+    return "Helvetica", "Helvetica-Bold"
+
+
+def build_hub3_pdf(*, platitelj_naziv: str, platitelj_adresa: str,
+                   primatelj_naziv: str, primatelj_adresa: str,
+                   iban: str, amount_eur: float, model: str,
+                   poziv_na_broj: str, opis: str,
+                   sifra_namjene: str = "OTHR",
+                   datum: Optional[date] = None,
+                   epc_payload: Optional[str] = None) -> bytes:
+    """
+    Generira A4 HUB-3 uplatnicu (jednostavna verzija, čitljiva, s EPC QR-om).
+    Layout otprilike kao standardna HR uplatnica iz banaka — gornji dio je
+    duplikat za platitelja, donji za banku, oba s istim podacima i QR kodom
+    desno.
+    """
+    font_reg, font_bold = _ensure_font()
+    buf = io.BytesIO()
+    c = canvas.Canvas(buf, pagesize=A4)
+    W, H = A4
+    datum = datum or date.today()
+    iban_fmt = format_iban(iban)
+
+    if epc_payload is None:
+        epc_payload = build_epc_payload(
+            primatelj=primatelj_naziv, iban=iban, amount_eur=amount_eur,
+            opis=opis, model=model, poziv_na_broj=poziv_na_broj,
+        )
+
+    qr_png = build_epc_qr_png(epc_payload, box_size=6)
+    qr_img = ImageReader(io.BytesIO(qr_png))
+
+    def section(top_y: float, title: str):
+        # Title bar
+        c.setFillColorRGB(0.13, 0.20, 0.32)
+        c.rect(15 * mm, top_y - 8 * mm, 180 * mm, 8 * mm, fill=1, stroke=0)
+        c.setFillColorRGB(1, 1, 1)
+        c.setFont(font_bold, 10)
+        c.drawString(20 * mm, top_y - 5.5 * mm, title)
+
+        # Frame
+        c.setFillColorRGB(1, 1, 1)
+        c.setStrokeColorRGB(0.13, 0.20, 0.32)
+        c.setLineWidth(0.6)
+        c.rect(15 * mm, top_y - 8 * mm - 100 * mm, 180 * mm, 100 * mm, fill=0, stroke=1)
+
+        # Inner labels + values  (left column = data, right column = QR)
+        c.setFillColorRGB(0, 0, 0)
+
+        def label(x_mm, y_offset_mm, txt):
+            c.setFont(font_reg, 7)
+            c.setFillColorRGB(0.45, 0.45, 0.45)
+            c.drawString(x_mm * mm, top_y - 8 * mm - y_offset_mm * mm, txt)
+
+        def value(x_mm, y_offset_mm, txt, bold=False, size=10, max_w_mm=None):
+            c.setFont(font_bold if bold else font_reg, size)
+            c.setFillColorRGB(0, 0, 0)
+            v = str(txt or "")
+            if max_w_mm:
+                w_pt = pdfmetrics.stringWidth(v, font_bold if bold else font_reg, size)
+                while w_pt > max_w_mm * mm and len(v) > 5:
+                    v = v[:-2]
+                    w_pt = pdfmetrics.stringWidth(v, font_bold if bold else font_reg, size)
+            c.drawString(x_mm * mm, top_y - 8 * mm - y_offset_mm * mm, v)
+
+        # Platitelj
+        label(20, 7, "PLATITELJ")
+        value(20, 12, platitelj_naziv, bold=True, size=10, max_w_mm=85)
+        value(20, 17, platitelj_adresa, size=9, max_w_mm=85)
+
+        # Primatelj
+        label(20, 26, "PRIMATELJ")
+        value(20, 31, primatelj_naziv, bold=True, size=10, max_w_mm=85)
+        value(20, 36, primatelj_adresa, size=9, max_w_mm=85)
+
+        # IBAN
+        label(20, 45, "IBAN PRIMATELJA")
+        value(20, 50, iban_fmt, bold=True, size=11, max_w_mm=85)
+
+        # Iznos
+        label(20, 59, "IZNOS")
+        c.setFont(font_bold, 16)
+        c.setFillColorRGB(0.13, 0.20, 0.32)
+        c.drawString(20 * mm, top_y - 8 * mm - 67 * mm, f"{format_eur(amount_eur)} EUR")
+        c.setFillColorRGB(0, 0, 0)
+
+        # Model + poziv
+        label(20, 75, "MODEL")
+        value(20, 80, model, bold=True, size=10)
+        label(40, 75, "POZIV NA BROJ")
+        value(40, 80, poziv_na_broj, bold=True, size=10, max_w_mm=65)
+
+        # Šifra namjene + datum
+        label(20, 88, "ŠIFRA NAMJENE")
+        value(20, 93, sifra_namjene, size=9)
+        label(50, 88, "DATUM IZVRŠENJA")
+        value(50, 93, datum.strftime("%d.%m.%Y."), size=9)
+
+        # Opis plaćanja
+        label(75, 88, "OPIS PLAĆANJA")
+        value(75, 93, opis[:60], size=9, max_w_mm=50)
+
+        # QR (right side)
+        c.drawImage(qr_img, 140 * mm, top_y - 8 * mm - 65 * mm,
+                    width=45 * mm, height=45 * mm, mask='auto')
+        c.setFont(font_reg, 6)
+        c.setFillColorRGB(0.45, 0.45, 0.45)
+        c.drawString(140 * mm, top_y - 8 * mm - 70 * mm,
+                     "Skenirajte QR mobilnom bankom (Zaba/PBZ/Erste/OTP/RBA)")
+
+    # Page header
+    c.setFont(font_bold, 14)
+    c.setFillColorRGB(0.13, 0.20, 0.32)
+    c.drawString(15 * mm, H - 18 * mm, "HUB-3 UPLATNICA")
+    c.setFont(font_reg, 9)
+    c.setFillColorRGB(0.45, 0.45, 0.45)
+    c.drawString(15 * mm, H - 23 * mm,
+                 f"Generirao: PGŽ Sport platforma • {datetime.now().strftime('%d.%m.%Y. %H:%M')}")
+
+    # Two identical copies (kopija za platitelja + kopija za banku)
+    section(H - 30 * mm, "KOPIJA ZA PLATITELJA")
+    section(H - 150 * mm, "KOPIJA ZA BANKU")
+
+    # Footer
+    c.setFont(font_reg, 7)
+    c.setFillColorRGB(0.55, 0.55, 0.55)
+    c.drawString(15 * mm, 12 * mm,
+                 "PGŽ Sport ERP/CRM • Plaćanje: skeniraj QR kod ili unesi IBAN/poziv na broj ručno • EPC QR (BCD/002 SCT)")
+
+    c.save()
+    return buf.getvalue()
+
+
+# ─────────────────────────────────────────────────────────────────────
+#  Mobile-banking deep links (HR best-effort)
+# ─────────────────────────────────────────────────────────────────────
+
+def build_bank_deep_links(iban: str, amount_eur: float, opis: str,
+                           model: str = "HR00", poziv_na_broj: str = "") -> dict:
+    """
+    Best-effort deep linkovi za HR mobilne banking aplikacije.
+    Pravi standard je EPC QR — ovi linkovi su dodatak.
+    """
+    iban = normalize_iban(iban)
+    from urllib.parse import quote
+    opis_q = quote(opis or "")
+    return {
+        "epc_qr": "ugrađen u PDF",
+        "zaba": f"https://m.zaba.hr/pay?iban={iban}&amount={amount_eur:.2f}&ref={poziv_na_broj}&desc={opis_q}",
+        "pbz": f"https://pbz.hr/mtoken/pay?iban={iban}&amt={amount_eur:.2f}&ref={poziv_na_broj}",
+        "erste": f"https://erstebank.hr/mbanking/pay?iban={iban}&amount={amount_eur:.2f}&ref={poziv_na_broj}",
+        "otp": f"https://otpbanka.hr/mbanking/pay?iban={iban}&amount={amount_eur:.2f}&ref={poziv_na_broj}",
+        "rba": f"https://rba.hr/mtoken/pay?iban={iban}&amount={amount_eur:.2f}&ref={poziv_na_broj}",
+    }
diff --git a/pgz_sport_api.py b/pgz_sport_api.py
index b097224..597b05b 100644
--- a/pgz_sport_api.py
+++ b/pgz_sport_api.py
@@ -1400,7 +1400,27 @@ try:
 except Exception as e:
     print(f'[ERP/PUTNI] router fail: {e}')
 
+# === Round 3 / CC5 — CRM (M7 Članarine, M8 Liječnički, M9 Obrasci) ===
+try:
+    from clanarine_router import router as clanarine_router
+    app.include_router(clanarine_router)
+    print('[CRM/M7] clanarine router loaded')
+except Exception as e:
+    print(f'[CRM/M7] clanarine router fail: {e}')
 
+try:
+    from lijecnicki_router import router as lijecnicki_router
+    app.include_router(lijecnicki_router)
+    print('[CRM/M8] lijecnicki router loaded')
+except Exception as e:
+    print(f'[CRM/M8] lijecnicki router fail: {e}')
+
+try:
+    from obrasci_router import router as obrasci_router
+    app.include_router(obrasci_router)
+    print('[CRM/M9] obrasci router loaded')
+except Exception as e:
+    print(f'[CRM/M9] obrasci router fail: {e}')
 
 
 
diff --git a/routers/clanarine_router.py b/routers/clanarine_router.py
new file mode 100644
index 0000000..d06a6f3
--- /dev/null
+++ b/routers/clanarine_router.py
@@ -0,0 +1,524 @@
+#!/usr/bin/env python3
+# ═══════════════════════════════════════════════════════════════════
+# Fajl: routers/clanarine_router.py | v1.0.0 | 04.05.2026
+# Autor: Damir Radulić <dradulic@outlook.com> / damir@rinet.one
+# Lokacija: /opt/pgz-sport/routers/clanarine_router.py
+# Svrha: M7 — CRM Članarine: CRUD + dug + uplata + HUB-3 PDF + EPC QR + bulk notify
+# ═══════════════════════════════════════════════════════════════════
+"""M7 Članarine router.
+
+Endpointi (montirani s prefixom /api/crm):
+  GET    /clanarine                      → lista (filteri)
+  POST   /clanarine                      → kreiraj zaduženje
+  GET    /clanarine/{id}                 → detalji
+  PUT    /clanarine/{id}                 → update
+  DELETE /clanarine/{id}                 → soft delete (status=storno)
+  POST   /clanarine/{id}/uplata          → registriraj uplatu
+  GET    /clanarine/dug                  → svi koji duguju
+  POST   /clanarine/notify-bulk          → mock e-mail notifikacija
+  GET    /clanarine/{id}/uplatnica.pdf   → HUB-3 PDF
+  GET    /clanarine/{id}/qr.png          → EPC QR PNG
+"""
+from __future__ import annotations
+
+import sys
+import re
+from datetime import date
+from typing import Optional, List
+from decimal import Decimal
+
+import psycopg2
+from psycopg2.extras import RealDictCursor
+from fastapi import APIRouter, HTTPException, Query, Body
+from fastapi.responses import Response
+from pydantic import BaseModel, Field
+
+sys.path.insert(0, "/opt/pgz-sport")
+from crm.payments import (
+    build_hub3_pdf, build_epc_qr_png, build_epc_payload,
+    make_poziv_na_broj, build_bank_deep_links, normalize_iban,
+)
+
+router = APIRouter(prefix="/api/crm", tags=["crm-clanarine"])
+
+DSN = "host=10.10.0.2 port=6432 dbname=rinet_v3 user=rinet password=R1net2026!SecureDB#v7"
+
+# Default IBAN PGŽ Sport (placeholder ako klub nema svoj). Realan IBAN PGŽ
+# Odjela za sport stavi ovdje kad bude poznat — za sada koristimo neutralni
+# format za demo svrhe.
+DEFAULT_PRIMATELJ_IBAN = "HR0000000000000000000"
+DEFAULT_PRIMATELJ_NAZIV = "PGŽ Odjel za sport"
+DEFAULT_PRIMATELJ_ADRESA = "Adamićeva 10, 51000 Rijeka"
+
+
+def _conn():
+    return psycopg2.connect(DSN, cursor_factory=RealDictCursor)
+
+
+def _conv(v):
+    if isinstance(v, (date,)):
+        return v.isoformat()
+    if isinstance(v, Decimal):
+        return float(v)
+    return v
+
+
+def _row(d):
+    return {k: _conv(v) for k, v in dict(d).items()}
+
+
+def _compute_status(propisan: float, placen: float) -> str:
+    p, pl = float(propisan or 0), float(placen or 0)
+    if pl <= 0:
+        return "nepodmireno"
+    if pl + 0.005 < p:
+        return "djelomicno"
+    return "podmireno"
+
+
+# ───────────── modeli ─────────────
+
+class ClanarinaIn(BaseModel):
+    clan_id: int
+    klub_id: Optional[int] = None
+    godina: int
+    razdoblje: Optional[str] = "godišnja"
+    iznos_propisan: float
+    iznos_placen: Optional[float] = 0
+    datum_uplate: Optional[date] = None
+    nacin_uplate: Optional[str] = None
+    napomena: Optional[str] = None
+
+
+class ClanarinaPatch(BaseModel):
+    klub_id: Optional[int] = None
+    godina: Optional[int] = None
+    razdoblje: Optional[str] = None
+    iznos_propisan: Optional[float] = None
+    iznos_placen: Optional[float] = None
+    datum_uplate: Optional[date] = None
+    nacin_uplate: Optional[str] = None
+    napomena: Optional[str] = None
+    status: Optional[str] = None
+
+
+class UplataIn(BaseModel):
+    iznos: float = Field(..., gt=0)
+    datum_uplate: Optional[date] = None
+    nacin_uplate: Optional[str] = "transakcijski"
+    referenca: Optional[str] = None
+    racun_broj: Optional[str] = None
+
+
+class NotifyBulkIn(BaseModel):
+    klub_id: Optional[int] = None
+    godina: Optional[int] = None
+    template: Optional[str] = "Poštovani, podsjećamo na nepodmirenu članarinu."
+
+
+# ───────────── lista ─────────────
+
+@router.get("/clanarine")
+def list_clanarine(
+    godina: Optional[int] = Query(None),
+    klub_id: Optional[int] = Query(None),
+    clan_id: Optional[int] = Query(None),
+    status: Optional[str] = Query(None, description="nepodmireno|djelomicno|podmireno|storno"),
+    sort: str = Query("godina"),
+    order: str = Query("desc"),
+    limit: int = Query(500, le=2000),
+):
+    where, params = [], []
+    if godina:
+        where.append("c.godina = %s"); params.append(godina)
+    if klub_id:
+        where.append("c.klub_id = %s"); params.append(klub_id)
+    if clan_id:
+        where.append("c.clan_id = %s"); params.append(clan_id)
+    if status:
+        where.append("c.status = %s"); params.append(status)
+
+    sort_map = {
+        "godina": "c.godina",
+        "iznos": "c.iznos_propisan",
+        "klub": "k.naziv",
+        "datum_uplate": "c.datum_uplate",
+        "status": "c.status",
+        "dug": "(c.iznos_propisan - COALESCE(c.iznos_placen,0))",
+    }
+    sort_col = sort_map.get(sort, "c.godina")
+    order_sql = "DESC" if order.lower() == "desc" else "ASC"
+    where_sql = ("WHERE " + " AND ".join(where)) if where else ""
+
+    sql = f"""
+      SELECT c.id, c.clan_id, c.klub_id, c.godina, c.razdoblje,
+             c.iznos_propisan, c.iznos_placen,
+             (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+             c.datum_uplate, c.nacin_uplate, c.referenca, c.racun_broj,
+             c.status, c.napomena, c.created_at, c.updated_at,
+             cl.ime || ' ' || cl.prezime AS clan,
+             cl.oib AS clan_oib,
+             k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban
+        FROM pgz_sport.clanarine c
+        LEFT JOIN pgz_sport.clanovi cl ON cl.id = c.clan_id
+        LEFT JOIN pgz_sport.klubovi k  ON k.id  = c.klub_id
+        {where_sql}
+       ORDER BY {sort_col} {order_sql}
+       LIMIT %s
+    """
+    params.append(limit)
+
+    sum_sql = f"""
+      SELECT COUNT(*) AS total,
+             COALESCE(SUM(c.iznos_propisan), 0)::numeric(10,2) AS total_propisan,
+             COALESCE(SUM(c.iznos_placen),  0)::numeric(10,2) AS total_placen,
+             COALESCE(SUM(c.iznos_propisan - COALESCE(c.iznos_placen,0)), 0)::numeric(10,2) AS total_dug,
+             COUNT(*) FILTER (WHERE c.status='nepodmireno') AS n_nepodmireno,
+             COUNT(*) FILTER (WHERE c.status='djelomicno')  AS n_djelomicno,
+             COUNT(*) FILTER (WHERE c.status='podmireno')   AS n_podmireno
+        FROM pgz_sport.clanarine c
+        LEFT JOIN pgz_sport.klubovi k  ON k.id  = c.klub_id
+        {where_sql}
+    """
+
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute(sql, params)
+        rows = [_row(r) for r in cur.fetchall()]
+        cur.execute(sum_sql, params[:-1])  # bez LIMIT
+        summary = _row(cur.fetchone() or {})
+
+    return {"count": len(rows), "rows": rows, "summary": summary}
+
+
+# ───────────── dug (samo neplaćene) ─────────────
+
+@router.get("/clanarine/dug")
+def list_dug(
+    klub_id: Optional[int] = Query(None),
+    godina: Optional[int] = Query(None),
+    days_overdue: int = Query(0, ge=0,
+                              description="koliko dana mora biti od kreiranja dužnosti (default 0)"),
+    limit: int = Query(500, le=2000),
+):
+    where = ["c.status IN ('nepodmireno', 'djelomicno')"]
+    params: list = []
+    if klub_id:
+        where.append("c.klub_id = %s"); params.append(klub_id)
+    if godina:
+        where.append("c.godina  = %s"); params.append(godina)
+    if days_overdue > 0:
+        where.append("c.created_at < (now() - (%s || ' days')::interval)")
+        params.append(str(days_overdue))
+
+    where_sql = "WHERE " + " AND ".join(where)
+    params.append(limit)
+    sql = f"""
+      SELECT c.id, c.clan_id, c.klub_id, c.godina, c.razdoblje,
+             c.iznos_propisan, c.iznos_placen,
+             (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+             c.status, c.created_at,
+             cl.ime || ' ' || cl.prezime AS clan,
+             cl.email AS clan_email, cl.telefon AS clan_telefon,
+             k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban
+        FROM pgz_sport.clanarine c
+        LEFT JOIN pgz_sport.clanovi cl ON cl.id = c.clan_id
+        LEFT JOIN pgz_sport.klubovi k  ON k.id  = c.klub_id
+       {where_sql}
+       ORDER BY (c.iznos_propisan - COALESCE(c.iznos_placen,0)) DESC
+       LIMIT %s
+    """
+
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute(sql, params)
+        rows = [_row(r) for r in cur.fetchall()]
+    total_dug = sum(float(r["dug"] or 0) for r in rows)
+    return {"count": len(rows), "total_dug": round(total_dug, 2), "rows": rows}
+
+
+# ───────────── detalji ─────────────
+
+@router.get("/clanarine/{cid}")
+def get_clanarina(cid: int):
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("""
+          SELECT c.*,
+                 (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+                 cl.ime || ' ' || cl.prezime AS clan,
+                 cl.oib AS clan_oib, cl.email AS clan_email,
+                 k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban,
+                 k.adresa AS klub_adresa, k.grad AS klub_grad
+            FROM pgz_sport.clanarine c
+            LEFT JOIN pgz_sport.clanovi cl ON cl.id = c.clan_id
+            LEFT JOIN pgz_sport.klubovi k  ON k.id  = c.klub_id
+           WHERE c.id = %s
+        """, (cid,))
+        r = cur.fetchone()
+    if not r:
+        raise HTTPException(404, "Članarina ne postoji")
+    return _row(r)
+
+
+# ───────────── kreiraj ─────────────
+
+@router.post("/clanarine")
+def create_clanarina(body: ClanarinaIn):
+    klub_id = body.klub_id
+    with _conn() as conn, conn.cursor() as cur:
+        if not klub_id:
+            cur.execute("SELECT klub_id FROM pgz_sport.clanovi WHERE id=%s", (body.clan_id,))
+            r = cur.fetchone()
+            klub_id = r["klub_id"] if r else None
+        status = _compute_status(body.iznos_propisan, body.iznos_placen or 0)
+        cur.execute("""
+          INSERT INTO pgz_sport.clanarine
+            (clan_id, klub_id, godina, razdoblje, iznos_propisan, iznos_placen,
+             datum_uplate, nacin_uplate, status, napomena)
+          VALUES (%s,%s,%s,%s,%s,%s,%s,%s,%s,%s)
+          RETURNING *
+        """, (body.clan_id, klub_id, body.godina, body.razdoblje,
+              body.iznos_propisan, body.iznos_placen or 0,
+              body.datum_uplate, body.nacin_uplate, status, body.napomena))
+        r = cur.fetchone()
+        conn.commit()
+    return _row(r)
+
+
+# ───────────── update / delete ─────────────
+
+@router.put("/clanarine/{cid}")
+def update_clanarina(cid: int, patch: ClanarinaPatch):
+    fields, params = [], []
+    for f in ("klub_id", "godina", "razdoblje", "iznos_propisan", "iznos_placen",
+              "datum_uplate", "nacin_uplate", "napomena", "status"):
+        v = getattr(patch, f)
+        if v is not None:
+            fields.append(f"{f} = %s"); params.append(v)
+    if not fields:
+        raise HTTPException(400, "Nema polja za izmjenu")
+    fields.append("updated_at = now()")
+    params.append(cid)
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute(f"UPDATE pgz_sport.clanarine SET {', '.join(fields)} WHERE id=%s RETURNING *",
+                    params)
+        r = cur.fetchone()
+        if not r:
+            raise HTTPException(404, "Članarina ne postoji")
+        # ako nije eksplicitno postavljen status, izračunaj iz iznos_*
+        if patch.status is None:
+            new_status = _compute_status(r["iznos_propisan"], r["iznos_placen"] or 0)
+            if new_status != r["status"]:
+                cur.execute("UPDATE pgz_sport.clanarine SET status=%s WHERE id=%s RETURNING *",
+                            (new_status, cid))
+                r = cur.fetchone()
+        conn.commit()
+    return _row(r)
+
+
+@router.delete("/clanarine/{cid}")
+def delete_clanarina(cid: int):
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("UPDATE pgz_sport.clanarine SET status='storno', updated_at=now() WHERE id=%s RETURNING id",
+                    (cid,))
+        r = cur.fetchone()
+    if not r:
+        raise HTTPException(404, "Članarina ne postoji")
+    return {"ok": True, "id": cid, "status": "storno"}
+
+
+# ───────────── uplata ─────────────
+
+@router.post("/clanarine/{cid}/uplata")
+def register_uplata(cid: int, body: UplataIn):
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("SELECT * FROM pgz_sport.clanarine WHERE id=%s", (cid,))
+        cur_row = cur.fetchone()
+        if not cur_row:
+            raise HTTPException(404, "Članarina ne postoji")
+        novi_iznos = float(cur_row["iznos_placen"] or 0) + float(body.iznos)
+        novi_status = _compute_status(cur_row["iznos_propisan"], novi_iznos)
+        cur.execute("""
+          UPDATE pgz_sport.clanarine
+             SET iznos_placen = %s,
+                 datum_uplate = COALESCE(%s, datum_uplate, now()::date),
+                 nacin_uplate = COALESCE(%s, nacin_uplate),
+                 referenca    = COALESCE(%s, referenca),
+                 racun_broj   = COALESCE(%s, racun_broj),
+                 status       = %s,
+                 updated_at   = now()
+           WHERE id = %s
+           RETURNING *
+        """, (novi_iznos, body.datum_uplate, body.nacin_uplate,
+              body.referenca, body.racun_broj, novi_status, cid))
+        r = cur.fetchone()
+        # log u audit_feed (ako postoji); nepoznata schema → silent skip
+        try:
+            cur.execute("""INSERT INTO pgz_sport.audit_feed (entity_type, entity_id, action, payload)
+                           VALUES (%s,%s,%s,%s::jsonb)""",
+                        ("clanarina", cid, "uplata",
+                         f'{{"iznos":{body.iznos}, "novi_status":"{novi_status}"}}'))
+        except Exception:
+            pass
+        conn.commit()
+    return {"ok": True, "id": cid, "iznos_uplata": body.iznos,
+            "iznos_placen_total": novi_iznos, "status": novi_status,
+            "clanarina": _row(r)}
+
+
+# ───────────── notify-bulk (mock email) ─────────────
+
+@router.post("/clanarine/notify-bulk")
+def notify_bulk(body: NotifyBulkIn):
+    """
+    Stvarno slanje pošte se još ne implementira (M9 SMTP integration TODO),
+    ali endpoint vraća listu primatelja koji bi bili kontaktirani.
+    """
+    where = ["c.status IN ('nepodmireno','djelomicno')", "cl.email IS NOT NULL"]
+    params = []
+    if body.klub_id:
+        where.append("c.klub_id=%s"); params.append(body.klub_id)
+    if body.godina:
+        where.append("c.godina =%s"); params.append(body.godina)
+    where_sql = "WHERE " + " AND ".join(where)
+    sql = f"""
+      SELECT c.id, c.godina, c.iznos_propisan,
+             (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+             cl.ime || ' ' || cl.prezime AS clan, cl.email,
+             k.naziv AS klub
+        FROM pgz_sport.clanarine c
+        JOIN pgz_sport.clanovi  cl ON cl.id = c.clan_id
+        LEFT JOIN pgz_sport.klubovi k ON k.id = c.klub_id
+       {where_sql}
+       ORDER BY dug DESC
+       LIMIT 500
+    """
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute(sql, params)
+        recipients = [_row(r) for r in cur.fetchall()]
+    return {
+        "ok": True,
+        "queued": len(recipients),
+        "template": body.template,
+        "note": "Mock — SMTP nije konfiguriran. Lista primatelja vraćena za pregled.",
+        "recipients": recipients,
+    }
+
+
+# ───────────── HUB-3 PDF + EPC QR ─────────────
+
+@router.get("/clanarine/{cid}/uplatnica.pdf")
+def uplatnica_pdf(cid: int):
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("""
+          SELECT c.id, c.godina, c.razdoblje, c.iznos_propisan, c.iznos_placen,
+                 (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+                 cl.ime || ' ' || cl.prezime AS clan,
+                 cl.adresa AS clan_adresa, cl.grad AS clan_grad,
+                 k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban,
+                 k.adresa AS klub_adresa, k.grad AS klub_grad
+            FROM pgz_sport.clanarine c
+            LEFT JOIN pgz_sport.clanovi cl ON cl.id = c.clan_id
+            LEFT JOIN pgz_sport.klubovi k  ON k.id  = c.klub_id
+           WHERE c.id=%s
+        """, (cid,))
+        r = cur.fetchone()
+    if not r:
+        raise HTTPException(404, "Članarina ne postoji")
+
+    dug = float(r["dug"] or 0)
+    if dug <= 0:
+        # podmireno — uplatnicu generiramo na cijeli iznos kao podsjetnik
+        dug = float(r["iznos_propisan"] or 0)
+
+    iban = normalize_iban(r["klub_iban"] or DEFAULT_PRIMATELJ_IBAN)
+    primatelj_naziv = r["klub"] or DEFAULT_PRIMATELJ_NAZIV
+    primatelj_adresa = ", ".join(filter(None, [r.get("klub_adresa"), r.get("klub_grad")])) \
+                       or DEFAULT_PRIMATELJ_ADRESA
+    platitelj_naziv = r["clan"] or "Član"
+    platitelj_adresa = ", ".join(filter(None, [r.get("clan_adresa"), r.get("clan_grad")])) or "—"
+    poziv = make_poziv_na_broj(r.get("klub_oib"), int(r["godina"]), int(r["id"]))
+
+    pdf = build_hub3_pdf(
+        platitelj_naziv=platitelj_naziv,
+        platitelj_adresa=platitelj_adresa,
+        primatelj_naziv=primatelj_naziv,
+        primatelj_adresa=primatelj_adresa,
+        iban=iban,
+        amount_eur=dug,
+        model="HR00",
+        poziv_na_broj=poziv,
+        opis=f"Članarina {r['godina']} — {r['razdoblje'] or 'godišnja'}",
+        sifra_namjene="OTHR",
+    )
+    return Response(content=pdf, media_type="application/pdf",
+                    headers={"Content-Disposition":
+                             f"inline; filename=uplatnica-clanarina-{cid}.pdf"})
+
+
+@router.get("/clanarine/{cid}/qr.png")
+def uplatnica_qr(cid: int):
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("""
+          SELECT c.id, c.godina, c.razdoblje, c.iznos_propisan, c.iznos_placen,
+                 (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+                 k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban
+            FROM pgz_sport.clanarine c
+            LEFT JOIN pgz_sport.klubovi k ON k.id = c.klub_id
+           WHERE c.id=%s
+        """, (cid,))
+        r = cur.fetchone()
+    if not r:
+        raise HTTPException(404, "Članarina ne postoji")
+    dug = float(r["dug"] or 0)
+    if dug <= 0:
+        dug = float(r["iznos_propisan"] or 0)
+    iban = normalize_iban(r["klub_iban"] or DEFAULT_PRIMATELJ_IBAN)
+    primatelj = r["klub"] or DEFAULT_PRIMATELJ_NAZIV
+    poziv = make_poziv_na_broj(r.get("klub_oib"), int(r["godina"]), int(r["id"]))
+    payload = build_epc_payload(
+        primatelj=primatelj, iban=iban, amount_eur=dug,
+        opis=f"Članarina {r['godina']}", model="HR00", poziv_na_broj=poziv,
+    )
+    png = build_epc_qr_png(payload, box_size=10)
+    return Response(content=png, media_type="image/png",
+                    headers={"Cache-Control": "public, max-age=300"})
+
+
+@router.get("/clanarine/{cid}/payment-info")
+def payment_info(cid: int):
+    """Vraća JSON s IBAN, poziv-na-broj, EPC payload i deep linkovima — za UI gumbe."""
+    with _conn() as conn, conn.cursor() as cur:
+        cur.execute("""
+          SELECT c.id, c.godina, c.razdoblje,
+                 c.iznos_propisan, c.iznos_placen,
+                 (c.iznos_propisan - COALESCE(c.iznos_placen,0))::numeric(10,2) AS dug,
+                 k.naziv AS klub, k.oib AS klub_oib, k.iban AS klub_iban
+            FROM pgz_sport.clanarine c
+            LEFT JOIN pgz_sport.klubovi k ON k.id = c.klub_id
+           WHERE c.id=%s
+        """, (cid,))
+        r = cur.fetchone()
+    if not r:
+        raise HTTPException(404, "Članarina ne postoji")
+    dug = float(r["dug"] or 0)
+    if dug <= 0:
+        dug = float(r["iznos_propisan"] or 0)
+    iban = normalize_iban(r["klub_iban"] or DEFAULT_PRIMATELJ_IBAN)
+    primatelj = r["klub"] or DEFAULT_PRIMATELJ_NAZIV
+    poziv = make_poziv_na_broj(r.get("klub_oib"), int(r["godina"]), int(r["id"]))
+    opis = f"Članarina {r['godina']} — {r['razdoblje'] or 'godišnja'}"
+    payload = build_epc_payload(primatelj=primatelj, iban=iban, amount_eur=dug,
+                                 opis=opis, model="HR00", poziv_na_broj=poziv)
+    return {
+        "id": cid,
+        "iznos_eur": round(dug, 2),
+        "primatelj": primatelj,
+        "iban": iban,
+        "model": "HR00",
+        "poziv_na_broj": poziv,
+        "opis": opis,
+        "epc_payload": payload,
+        "qr_url": f"/sport/api/crm/clanarine/{cid}/qr.png",
+        "pdf_url": f"/sport/api/crm/clanarine/{cid}/uplatnica.pdf",
+        "deep_links": build_bank_deep_links(iban, dug, opis,
+                                              model="HR00", poziv_na_broj=poziv),
+    }