diff --git a/.pre-commit-config.yaml b/.pre-commit-config.yaml
index fc9fe36..8e7157d 100644
--- a/.pre-commit-config.yaml
+++ b/.pre-commit-config.yaml
@@ -1,5 +1,5 @@
 default_language_version:
-  python: python3.12
+  python: python3
 exclude: ^.*\b(migrations)\b.*$
 repos:
   - repo: https://github.com/pre-commit/pre-commit-hooks
diff --git a/src/accounting/models.py b/src/accounting/models.py
index 9db46eb..f529a0c 100644
--- a/src/accounting/models.py
+++ b/src/accounting/models.py
@@ -98,19 +98,23 @@ class Payment(CreatedModifiedAbstract):
 
     description = models.CharField(max_length=1024, verbose_name=_("description"))
 
-    stripe_charge_id = models.CharField(max_length=255, null=True, blank=True)
+    payment_type = models.ForeignKey("PaymentType", on_delete=models.PROTECT)
+    external_transaction_id = models.CharField(max_length=255, null=True, blank=True)
+
+    # stripe_charge_id = models.CharField(max_length=255, null=True, blank=True)
 
     @property
     def display_id(self):
         return str(self.id).zfill(6)
 
     @classmethod
-    def from_order(cls, order):
+    def from_order(cls, order, payment_type):
         return cls.objects.create(
             order=order,
             user=order.user,
             amount=order.total,
             description=order.description,
+            payment_type=payment_type,
         )
 
     def __str__(self) -> str:
@@ -119,3 +123,18 @@ class Payment(CreatedModifiedAbstract):
     class Meta:
         verbose_name = _("payment")
         verbose_name_plural = _("payments")
+
+
+class PaymentType(CreatedModifiedAbstract):
+    """Types of payments available in the system:
+    - bank transfer
+    - card payment (specific provider)
+    """
+
+    name = models.CharField(max_length=1024, verbose_name=_("description"))
+    description = models.TextField(max_length=2048, null=True, blank=True)
+
+    enabled = models.BooleanField(default=True)
+
+    def __str__(self) -> str:
+        return f"{self.name}"