feat: add per-member payment frequencies

tests/test_sepa.py

@@ -5,6 +5,7 @@ from email.parser import BytesParser
 from email.policy import default
 
 from ccma.domain.models import ContributionData
+from ccma.services.housekeeper import Housekeeper
 from ccma.services.sepa import PAIN_NAMESPACE, _safe, csv_text, pain008_bytes, pending_direct_debits
 from ccma.services.sepa_mail import debit_mail_bytes, generate_debit_mails
 from ccma.storage.repository import MemberRepository
@@ -61,6 +62,27 @@ def test_pending_debits_select_due_open_balance(tmp_path):
     assert debits[0].claim_ids == ("due",)
 
 
+def test_pending_debits_follow_members_monthly_payment_frequency(tmp_path):
+    repository, member = _repository(tmp_path)
+    member.accepted_at = "2025-01-01"
+    member.membership_started_at = "2025-01-01"
+    member.payment_frequency = "monthly"
+    repository.save_member(member)
+    repository.save_contributions(member.member_id, ContributionData())
+
+    Housekeeper(repository).run(today=date(2026, 3, 31))
+    debits, warnings = pending_direct_debits(
+        repository,
+        due_from=date(2026, 1, 1),
+        due_until=date(2026, 3, 31),
+    )
+
+    assert warnings == []
+    assert len(debits) == 1
+    assert debits[0].amount == Decimal("37.50")
+    assert len(debits[0].claim_ids) == 3
+
+
 def test_pending_debits_exclude_claims_before_lower_date(tmp_path):
     repository, _member = _repository(tmp_path)