Reserving ticket with "Offline Payment" provider presents opaque error when on same day event occurs

[shanebrowncs]

Describe the bug Choosing the "Bank Transfer" payment option when reserving a ticket on the same day as the event occurs, the error Payment processing error: An unexpected error has occurred. Please contact the event's organizers in order to get assistance. appears.

To Reproduce

1. Create an online event scheduled for the current day with the "offline payment" option enabled
2. As a user, attempt to reserve a ticket for the event using the "Bank Transfer" option

Expected behavior This issue appears to occur because the 'isActive' method on the 'BankTransferManager' payment provider returns false when the current day is the same day as the event [1]. When the endpoint at /reservation/{reservationId} attempts start processing the payment it can't find an active provider to fulfill the request and ends up displaying the opaque error above.

I have further thoughts on this behavior below but at bare minimum I don't think an attendee should be able to choose a non-active or invalid payment method. Otherwise at least presenting them with an error that explains what went wrong would be better.

From warnings posted in BankTransferManager this seems to be in a way by design to not allow same day payments: accepting offline payments the same day is a very bad practice and should be avoided. Please set cash payment as payment method next time. I have been using this feature to accept Interac E-Transfers which happen almost instantaneously. Using the cash payment option will not work for me as my events are online only. I can understand the perspective of the warning when managing a large event using bank-transfers with multi-day waiting periods. However, for my use-case of small online only events with near instantaneous transfers, accepting payments same day is not a big issue.

Would you be open to one of the following changes?

1. Allow the offline payment option to function up to the ticket purchase deadline
2. Allow the system admin or organization to configure the cut off time relative to the start of the event in which a user can reserve a ticket with an offline payment
3. An alternative that allows my use-case

I would be interested in working on a PR to address this issue. I just want to see first if you agree there is an issue here and if so what the solution should be.

Thank you!

Screenshots

1. Selecting a ticket
2. Payment summary screen, {{0}} days to complete, opaque error presented to user

Desktop (please complete the following information):

• OS: Linux
• Browser Firefox
• Version 131