diff --git a/app/Http/Controllers/Admin/SettingsController.php b/app/Http/Controllers/Admin/SettingsController.php
index debcdca..39ffafb 100644
--- a/app/Http/Controllers/Admin/SettingsController.php
+++ b/app/Http/Controllers/Admin/SettingsController.php
@@ -14,6 +14,7 @@ class SettingsController extends Controller
         'smtp_host','smtp_port','smtp_user','smtp_password','smtp_from_name','smtp_from_email',
         'cookie_consent','google_analytics','require_customer_approval',
         'theme_name',
+        'payment_paypal_enabled','payment_stripe_enabled',
     ];
 
     public function index()
diff --git a/resources/views/admin/settings/index.blade.php b/resources/views/admin/settings/index.blade.php
index 4dcd79b..95682bd 100644
--- a/resources/views/admin/settings/index.blade.php
+++ b/resources/views/admin/settings/index.blade.php
@@ -105,6 +105,29 @@
             </div>
         </div>
 
+        {{-- Zahlungsarten --}}
+        <div class="bg-white rounded shadow p-6">
+            <h3 class="font-semibold mb-4">Zahlungsarten</h3>
+            <div class="space-y-3">
+                <label class="flex items-center gap-2 text-sm">
+                    <input type="checkbox" name="payment_paypal_enabled" value="1"
+                           {{ ($settings['payment_paypal_enabled'] ?? false) ? 'checked' : '' }}>
+                    <span>PayPal aktivieren</span>
+                    @if(!config('paypal.live.client_id') && !config('paypal.sandbox.client_id'))
+                        <span class="text-xs text-orange-500">(PAYPAL_LIVE_CLIENT_ID in .env fehlt)</span>
+                    @endif
+                </label>
+                <label class="flex items-center gap-2 text-sm">
+                    <input type="checkbox" name="payment_stripe_enabled" value="1"
+                           {{ ($settings['payment_stripe_enabled'] ?? false) ? 'checked' : '' }}>
+                    <span>Kreditkarte via Stripe aktivieren</span>
+                    @if(!config('services.stripe.key'))
+                        <span class="text-xs text-orange-500">(STRIPE_KEY in .env fehlt)</span>
+                    @endif
+                </label>
+            </div>
+        </div>
+
         {{-- Design / Theme --}}
         <div class="bg-white rounded shadow p-6">
             <h3 class="font-semibold mb-4">Design</h3>
diff --git a/resources/views/shop/checkout/index.blade.php b/resources/views/shop/checkout/index.blade.php
index 0ef4ce6..c9e791c 100644
--- a/resources/views/shop/checkout/index.blade.php
+++ b/resources/views/shop/checkout/index.blade.php
@@ -1,7 +1,7 @@
 @extends('layouts.shop')
 @section('title', 'Kasse')
 @push('scripts')
-@if(config('services.stripe.key'))
+@if(\App\Models\Setting::get('payment_stripe_enabled') && config('services.stripe.key'))
 <script src="https://js.stripe.com/v3/"></script>
 <script>
 const stripe = Stripe('{{ config('services.stripe.key') }}');
@@ -203,7 +203,7 @@ document.addEventListener('DOMContentLoaded', () => {
                             <div class="text-sm text-gray-500">Sie erhalten die Rechnung per E-Mail. Zahlungsziel: {{ \App\Models\Setting::get('invoice_payment_days', 14) }} Tage.</div>
                         </div>
                     </label>
-                    @if(config('paypal.live.client_id') || config('paypal.sandbox.client_id'))
+                    @if(\App\Models\Setting::get('payment_paypal_enabled') && (config('paypal.live.client_id') || config('paypal.sandbox.client_id')))
                     <label class="flex items-start gap-3 p-3 border rounded-lg cursor-pointer hover:bg-gray-50"
                            :class="method==='paypal' ? 'border-blue-500 bg-blue-50' : ''">
                         <input type="radio" name="payment_method" value="paypal" class="mt-1"
@@ -217,7 +217,7 @@ document.addEventListener('DOMContentLoaded', () => {
                         </div>
                     </label>
                     @endif
-                    @if(config('services.stripe.key'))
+                    @if(\App\Models\Setting::get('payment_stripe_enabled') && config('services.stripe.key'))
                     <label class="flex items-start gap-3 p-3 border rounded-lg cursor-pointer hover:bg-gray-50"
                            :class="method==='stripe' ? 'border-blue-500 bg-blue-50' : ''">
                         <input type="radio" name="payment_method" value="stripe" class="mt-1"
@@ -227,7 +227,7 @@ document.addEventListener('DOMContentLoaded', () => {
                             <div class="text-sm text-gray-500">Visa, Mastercard, American Express — verschlüsselt über Stripe.</div>
                         </div>
                     </label>
-                    @if(config('services.stripe.key'))
+                    @if(\App\Models\Setting::get('payment_stripe_enabled') && config('services.stripe.key'))
                     <div x-show="method==='stripe'" class="mt-3 p-3 border rounded-lg bg-gray-50">
                         <div id="stripe-card-element" class="p-3 bg-white border rounded"></div>
                         <p id="stripe-errors" class="text-red-500 text-sm mt-2 hidden"></p>