feat(loyalty): Phase 2A — transactional email notifications

Add async email notifications for 5 loyalty lifecycle events, using
the existing messaging module infrastructure (EmailService, EmailLog,
store template overrides).

- New seed script: scripts/seed/seed_email_templates_loyalty.py
  Seeds 5 templates × 4 locales (en/fr/de/lb) = 20 rows. Idempotent.
  Renamed existing script to seed_email_templates_core.py.
- Celery task: loyalty.send_notification_email — async dispatch with
  3 retries and 60s backoff. Opens own DB session.
- Notification service: LoyaltyNotificationService with 5 methods
  that resolve customer/card/program into template variables and
  enqueue via Celery (never blocks request handlers).
- Enrollment: sends loyalty_enrollment + loyalty_welcome_bonus (if
  bonus > 0) after card creation commit.
- Stamps: sends loyalty_reward_ready when stamp target reached.
- Expiration task: sends loyalty_points_expiring 14 days before expiry
  (tracked via new last_expiration_warning_at column to prevent dupes),
  and loyalty_points_expired after points are zeroed.
- Migration loyalty_005: adds last_expiration_warning_at to cards.
- 8 new unit tests for notification service dispatch.
- Fix: rate limiter autouse fixture in integration tests to prevent
  state bleed between tests.

Templates: loyalty_enrollment, loyalty_welcome_bonus,
loyalty_points_expiring, loyalty_points_expired, loyalty_reward_ready.
All support store-level overrides via the existing email template UI.

Birthday + re-engagement emails deferred to future marketing module
(cross-platform: OMS, loyalty, hosting).

342 tests pass.

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

app/modules/loyalty/migrations/versions/loyalty_005_add_expiration_warning_at.py

@@ -0,0 +1,29 @@
+"""loyalty 005 - add last_expiration_warning_at to loyalty_cards
+
+Tracks when the last expiration warning email was sent to prevent
+duplicate notifications. The expiration task checks this timestamp
+and only sends a warning once per expiration cycle.
+
+Revision ID: loyalty_005
+Revises: loyalty_004
+Create Date: 2026-04-11
+"""
+import sqlalchemy as sa
+
+from alembic import op
+
+revision = "loyalty_005"
+down_revision = "loyalty_004"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    op.add_column(
+        "loyalty_cards",
+        sa.Column("last_expiration_warning_at", sa.DateTime(), nullable=True),
+    )
+
+
+def downgrade() -> None:
+    op.drop_column("loyalty_cards", "last_expiration_warning_at")

app/modules/loyalty/models/loyalty_card.py

@@ -223,6 +223,13 @@ class LoyaltyCard(Base, TimestampMixin, SoftDeleteMixin):
         comment="Any activity (for expiration calculation)",
     )
 
+    # Notification tracking
+    last_expiration_warning_at = Column(
+        DateTime(timezone=True),
+        nullable=True,
+        comment="When last expiration warning email was sent",
+    )
+
     # =========================================================================
     # Status
     # =========================================================================

app/modules/loyalty/services/card_service.py

@@ -624,6 +624,23 @@ class CardService:
 
         wallet_service.create_wallet_objects(db, card)
 
+        # Send notification emails (async via Celery)
+        try:
+            from app.modules.loyalty.services.notification_service import (
+                notification_service,
+            )
+
+            notification_service.send_enrollment_confirmation(db, card)
+            if program.welcome_bonus_points > 0:
+                notification_service.send_welcome_bonus(
+                    db, card, program.welcome_bonus_points
+                )
+        except Exception:
+            logger.warning(
+                f"Failed to queue enrollment notification for card {card.id}",
+                exc_info=True,
+            )
+
         logger.info(
             f"Enrolled customer {customer_id} in merchant {merchant_id} loyalty program "
             f"(card: {card.card_number}, bonus: {program.welcome_bonus_points} pts)"

app/modules/loyalty/services/notification_service.py

@@ -0,0 +1,137 @@
+# app/modules/loyalty/services/notification_service.py
+"""
+Loyalty notification service.
+
+Thin wrapper that resolves customer/card/program data into template
+variables and dispatches emails asynchronously via the Celery task.
+"""
+
+import logging
+
+from sqlalchemy.orm import Session
+
+from app.modules.loyalty.models import LoyaltyCard
+
+logger = logging.getLogger(__name__)
+
+
+class LoyaltyNotificationService:
+    """Dispatches loyalty email notifications."""
+
+    def _resolve_context(self, db: Session, card: LoyaltyCard) -> dict | None:
+        """Load customer, store, and program info for a card.
+
+        Returns None if the customer has no email (can't send).
+        """
+        from app.modules.customers.services.customer_service import customer_service
+        from app.modules.tenancy.services.store_service import store_service
+
+        customer = customer_service.get_customer_by_id(db, card.customer_id)
+        if not customer or not customer.email:
+            return None
+
+        store = store_service.get_store_by_id_optional(db, card.enrolled_at_store_id)
+        program = card.program
+
+        return {
+            "customer": customer,
+            "store": store,
+            "program": program,
+            "to_email": customer.email,
+            "to_name": customer.full_name,
+            "store_id": card.enrolled_at_store_id,
+            "customer_id": customer.id,
+            "customer_name": customer.full_name,
+            "program_name": program.display_name if program else "Loyalty Program",
+            "store_name": store.name if store else "",
+        }
+
+    def _dispatch(
+        self, template_code: str, ctx: dict, extra_vars: dict | None = None
+    ):
+        """Enqueue a notification email via Celery."""
+        from app.modules.loyalty.tasks.notifications import send_notification_email
+
+        variables = {
+            "customer_name": ctx["customer_name"],
+            "program_name": ctx["program_name"],
+            "store_name": ctx["store_name"],
+        }
+        if extra_vars:
+            variables.update(extra_vars)
+
+        send_notification_email.delay(
+            template_code=template_code,
+            to_email=ctx["to_email"],
+            to_name=ctx["to_name"],
+            variables=variables,
+            store_id=ctx["store_id"],
+            customer_id=ctx["customer_id"],
+        )
+        logger.info(
+            f"Queued {template_code} for {ctx['to_email']}"
+        )
+
+    def send_enrollment_confirmation(self, db: Session, card: LoyaltyCard):
+        """Send enrollment confirmation email."""
+        ctx = self._resolve_context(db, card)
+        if not ctx:
+            return
+        self._dispatch("loyalty_enrollment", ctx, {
+            "card_number": card.card_number,
+        })
+
+    def send_welcome_bonus(self, db: Session, card: LoyaltyCard, points: int):
+        """Send welcome bonus notification (only if points > 0)."""
+        if points <= 0:
+            return
+        ctx = self._resolve_context(db, card)
+        if not ctx:
+            return
+        self._dispatch("loyalty_welcome_bonus", ctx, {
+            "points": str(points),
+        })
+
+    def send_points_expiration_warning(
+        self,
+        db: Session,
+        card: LoyaltyCard,
+        expiring_points: int,
+        days_remaining: int,
+        expiration_date: str,
+    ):
+        """Send points expiring warning email."""
+        ctx = self._resolve_context(db, card)
+        if not ctx:
+            return
+        self._dispatch("loyalty_points_expiring", ctx, {
+            "points": str(expiring_points),
+            "days_remaining": str(days_remaining),
+            "expiration_date": expiration_date,
+        })
+
+    def send_points_expired(
+        self, db: Session, card: LoyaltyCard, expired_points: int
+    ):
+        """Send points expired notification email."""
+        ctx = self._resolve_context(db, card)
+        if not ctx:
+            return
+        self._dispatch("loyalty_points_expired", ctx, {
+            "expired_points": str(expired_points),
+        })
+
+    def send_reward_available(
+        self, db: Session, card: LoyaltyCard, reward_name: str
+    ):
+        """Send reward earned notification email."""
+        ctx = self._resolve_context(db, card)
+        if not ctx:
+            return
+        self._dispatch("loyalty_reward_ready", ctx, {
+            "reward_name": reward_name,
+        })
+
+
+# Singleton
+notification_service = LoyaltyNotificationService()

app/modules/loyalty/services/stamp_service.py

@@ -162,6 +162,22 @@ class StampService:
 
         wallet_service.sync_card_to_wallets(db, card)
 
+        # Notify customer when they've earned a reward
+        if reward_earned:
+            try:
+                from app.modules.loyalty.services.notification_service import (
+                    notification_service,
+                )
+
+                notification_service.send_reward_available(
+                    db, card, program.stamps_reward_description or "Reward"
+                )
+            except Exception:
+                logger.warning(
+                    f"Failed to queue reward notification for card {card.id}",
+                    exc_info=True,
+                )
+
         stamps_today += 1
 
         logger.info(

app/modules/loyalty/tasks/notifications.py

@@ -0,0 +1,72 @@
+# app/modules/loyalty/tasks/notifications.py
+"""
+Async email notification dispatch for loyalty events.
+
+All loyalty notification emails are sent asynchronously via this Celery
+task to avoid blocking request handlers.  The task opens its own DB
+session and calls EmailService.send_template() which handles language
+resolution, store overrides, Jinja2 rendering, and EmailLog creation.
+"""
+
+import logging
+
+from celery import shared_task
+
+logger = logging.getLogger(__name__)
+
+
+@shared_task(
+    name="loyalty.send_notification_email",
+    bind=True,
+    max_retries=3,
+    default_retry_delay=60,
+)
+def send_notification_email(
+    self,
+    template_code: str,
+    to_email: str,
+    to_name: str | None = None,
+    variables: dict | None = None,
+    store_id: int | None = None,
+    customer_id: int | None = None,
+    language: str | None = None,
+):
+    """
+    Send a loyalty notification email asynchronously.
+
+    Args:
+        template_code: Email template code (e.g. 'loyalty_enrollment')
+        to_email: Recipient email address
+        to_name: Recipient display name
+        variables: Template variables dict
+        store_id: Store ID for branding and template overrides
+        customer_id: Customer ID for language resolution
+        language: Explicit language override (otherwise auto-resolved)
+    """
+    from app.core.database import SessionLocal
+    from app.modules.messaging.services.email_service import EmailService
+
+    db = SessionLocal()
+    try:
+        email_service = EmailService(db)
+        email_log = email_service.send_template(
+            template_code=template_code,
+            to_email=to_email,
+            to_name=to_name,
+            language=language,
+            variables=variables or {},
+            store_id=store_id,
+            customer_id=customer_id,
+        )
+        logger.info(
+            f"Loyalty notification sent: {template_code} to {to_email} "
+            f"(log_id={email_log.id if email_log else 'none'})"
+        )
+    except Exception as exc:
+        logger.error(
+            f"Loyalty notification failed: {template_code} to {to_email}: {exc}"
+        )
+        db.rollback()
+        raise self.retry(exc=exc)
+    finally:
+        db.close()

app/modules/loyalty/tasks/point_expiration.py

@@ -109,6 +109,9 @@ def _expire_points_for_program(db: Session, program: LoyaltyProgram) -> tuple[in
     """
     Expire points for a specific loyalty program.
 
+    Also sends warning emails to cards approaching their expiration date
+    (14 days before) and expired notifications after points are zeroed.
+
     Args:
         db: Database session
         program: Loyalty program to process
@@ -119,14 +122,26 @@ def _expire_points_for_program(db: Session, program: LoyaltyProgram) -> tuple[in
     if not program.points_expiration_days:
         return 0, 0
 
+    now = datetime.now(UTC)
+
     # Calculate expiration threshold
-    expiration_threshold = datetime.now(UTC) - timedelta(days=program.points_expiration_days)
+    expiration_threshold = now - timedelta(days=program.points_expiration_days)
 
     logger.debug(
         f"Processing program {program.id}: expiration after {program.points_expiration_days} days "
         f"(threshold: {expiration_threshold})"
     )
 
+    # --- Phase 1: Send 14-day warning emails ---
+    warning_days = 14
+    warning_threshold = now - timedelta(
+        days=program.points_expiration_days - warning_days
+    )
+    _send_expiration_warnings(
+        db, program, warning_threshold, warning_days, now
+    )
+
+    # --- Phase 2: Expire points ---
     # Find cards with:
     # - Points balance > 0
     # - Last activity before expiration threshold
@@ -168,7 +183,7 @@ def _expire_points_for_program(db: Session, program: LoyaltyProgram) -> tuple[in
             stamps_delta=0,
             stamps_balance_after=card.stamp_count,
             notes=f"Points expired after {program.points_expiration_days} days of inactivity",
-            transaction_at=datetime.now(UTC),
+            transaction_at=now,
         )
         db.add(transaction)  # noqa: PERF006
 
@@ -176,6 +191,19 @@ def _expire_points_for_program(db: Session, program: LoyaltyProgram) -> tuple[in
         card.expire_points(expired_points)
         # Note: We don't update last_activity_at for expiration
 
+        # Send expired notification
+        try:
+            from app.modules.loyalty.services.notification_service import (
+                notification_service,
+            )
+
+            notification_service.send_points_expired(db, card, expired_points)
+        except Exception:
+            logger.warning(
+                f"Failed to queue expiration notification for card {card.id}",
+                exc_info=True,
+            )
+
         cards_processed += 1
         points_expired += expired_points
 
@@ -187,6 +215,81 @@ def _expire_points_for_program(db: Session, program: LoyaltyProgram) -> tuple[in
     return cards_processed, points_expired
 
 
+def _send_expiration_warnings(
+    db: Session,
+    program: LoyaltyProgram,
+    warning_threshold: datetime,
+    warning_days: int,
+    now: datetime,
+) -> int:
+    """Send expiration warning emails to cards approaching expiry.
+
+    Only sends one warning per expiration cycle (tracked via
+    last_expiration_warning_at on the card).
+
+    Returns:
+        Number of warnings sent
+    """
+    from sqlalchemy import or_
+
+    # Find cards in the warning window:
+    # - Have points
+    # - Last activity is past the warning threshold (i.e. will expire in ~14 days)
+    # - But NOT yet past the full expiration threshold
+    # - Haven't received a warning yet in this cycle
+    expiration_threshold = now - timedelta(days=program.points_expiration_days)
+
+    cards = (
+        db.query(LoyaltyCard)
+        .filter(
+            LoyaltyCard.merchant_id == program.merchant_id,
+            LoyaltyCard.points_balance > 0,
+            LoyaltyCard.is_active == True,
+            LoyaltyCard.last_activity_at < warning_threshold,
+            LoyaltyCard.last_activity_at >= expiration_threshold,
+            or_(
+                LoyaltyCard.last_expiration_warning_at.is_(None),
+                LoyaltyCard.last_expiration_warning_at < warning_threshold,
+            ),
+        )
+        .all()
+    )
+
+    if not cards:
+        return 0
+
+    warnings_sent = 0
+    expiration_date = (
+        now + timedelta(days=warning_days)
+    ).strftime("%Y-%m-%d")
+
+    for card in cards:
+        try:
+            from app.modules.loyalty.services.notification_service import (
+                notification_service,
+            )
+
+            notification_service.send_points_expiration_warning(
+                db,
+                card,
+                expiring_points=card.points_balance,
+                days_remaining=warning_days,
+                expiration_date=expiration_date,
+            )
+            card.last_expiration_warning_at = now
+            warnings_sent += 1
+        except Exception:
+            logger.warning(
+                f"Failed to queue expiration warning for card {card.id}",
+                exc_info=True,
+            )
+
+    logger.info(
+        f"Sent {warnings_sent} expiration warnings for program {program.id}"
+    )
+    return warnings_sent
+
+
 # Allow running directly for testing
 if __name__ == "__main__":
     import sys

app/modules/loyalty/tests/integration/test_store_api.py

@@ -19,6 +19,16 @@ import pytest
 
 from app.modules.loyalty.models import LoyaltyCard, LoyaltyProgram, LoyaltyTransaction
 from app.modules.loyalty.models.loyalty_program import LoyaltyType
+
+
+@pytest.fixture(autouse=True)
+def _clear_rate_limiter():
+    """Reset the in-memory rate limiter before each test to prevent bleed."""
+    from middleware.decorators import rate_limiter
+
+    rate_limiter.clients.clear()
+    yield
+    rate_limiter.clients.clear()
 from app.modules.loyalty.models.loyalty_transaction import TransactionType
 from app.modules.tenancy.models import User
 
@@ -467,14 +477,18 @@ class TestStampEarnRedeem:
         self, client, stamp_store_headers, stamp_store_setup
     ):
         """POST /stamp returns 429 once the per-IP cap is exceeded."""
+        from unittest.mock import patch
+
         from middleware.decorators import rate_limiter
 
-        # Reset the in-memory limiter so prior tests don't bleed in
         rate_limiter.clients.clear()
 
         card = stamp_store_setup["card"]
-        # Cap is 60 per minute. Hit it 60 times and expect any 200/4xx but not
+        # Mock notification dispatch so 60 requests complete fast enough
-        # a 429, then the 61st should be 429.
+        # to stay within the rate limiter's 60-second window.
+        with patch(
+            "app.modules.loyalty.tasks.notifications.send_notification_email"
+        ):
             for _ in range(60):
                 client.post(
                     f"{BASE}/stamp",

app/modules/loyalty/tests/unit/test_notification_service.py

@@ -0,0 +1,192 @@
+"""Unit tests for LoyaltyNotificationService."""
+
+from unittest.mock import MagicMock, patch
+
+import pytest
+
+from app.modules.loyalty.services.notification_service import (
+    LoyaltyNotificationService,
+)
+
+
+@pytest.fixture
+def notification_service():
+    return LoyaltyNotificationService()
+
+
+def _make_card_stub(
+    card_id=1,
+    customer_id=10,
+    merchant_id=100,
+    enrolled_at_store_id=200,
+    card_number="1234-5678-9012",
+):
+    """Lightweight card stub for notification tests."""
+    card = MagicMock()
+    card.id = card_id
+    card.customer_id = customer_id
+    card.merchant_id = merchant_id
+    card.enrolled_at_store_id = enrolled_at_store_id
+    card.card_number = card_number
+    card.program = MagicMock()
+    card.program.display_name = "Test Rewards"
+    return card
+
+
+def _make_customer_stub(email="test@example.com", full_name="Test User"):
+    customer = MagicMock()
+    customer.id = 10
+    customer.email = email
+    customer.full_name = full_name
+    return customer
+
+
+def _make_store_stub(name="Test Store"):
+    store = MagicMock()
+    store.id = 200
+    store.name = name
+    return store
+
+
+@pytest.mark.unit
+@pytest.mark.loyalty
+class TestNotificationServiceDispatch:
+    """Verify that each notification method enqueues the correct template."""
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_enrollment_confirmation(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        mock_customer_svc.get_customer_by_id.return_value = _make_customer_stub()
+        mock_store_svc.get_store_by_id_optional.return_value = _make_store_stub()
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_enrollment_confirmation(db, card)
+
+        mock_task.delay.assert_called_once()
+        call_kwargs = mock_task.delay.call_args[1]
+        assert call_kwargs["template_code"] == "loyalty_enrollment"
+        assert call_kwargs["to_email"] == "test@example.com"
+        assert "card_number" in call_kwargs["variables"]
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_welcome_bonus(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        mock_customer_svc.get_customer_by_id.return_value = _make_customer_stub()
+        mock_store_svc.get_store_by_id_optional.return_value = _make_store_stub()
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_welcome_bonus(db, card, 50)
+
+        mock_task.delay.assert_called_once()
+        call_kwargs = mock_task.delay.call_args[1]
+        assert call_kwargs["template_code"] == "loyalty_welcome_bonus"
+        assert call_kwargs["variables"]["points"] == "50"
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_welcome_bonus_skipped_for_zero_points(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_welcome_bonus(db, card, 0)
+
+        mock_task.delay.assert_not_called()
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_points_expiration_warning(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        mock_customer_svc.get_customer_by_id.return_value = _make_customer_stub()
+        mock_store_svc.get_store_by_id_optional.return_value = _make_store_stub()
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_points_expiration_warning(
+            db, card, expiring_points=200, days_remaining=14, expiration_date="2026-05-01"
+        )
+
+        mock_task.delay.assert_called_once()
+        call_kwargs = mock_task.delay.call_args[1]
+        assert call_kwargs["template_code"] == "loyalty_points_expiring"
+        assert call_kwargs["variables"]["points"] == "200"
+        assert call_kwargs["variables"]["days_remaining"] == "14"
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_points_expired(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        mock_customer_svc.get_customer_by_id.return_value = _make_customer_stub()
+        mock_store_svc.get_store_by_id_optional.return_value = _make_store_stub()
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_points_expired(db, card, 150)
+
+        mock_task.delay.assert_called_once()
+        call_kwargs = mock_task.delay.call_args[1]
+        assert call_kwargs["template_code"] == "loyalty_points_expired"
+        assert call_kwargs["variables"]["expired_points"] == "150"
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_send_reward_available(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        mock_customer_svc.get_customer_by_id.return_value = _make_customer_stub()
+        mock_store_svc.get_store_by_id_optional.return_value = _make_store_stub()
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_reward_available(db, card, "Free Coffee")
+
+        mock_task.delay.assert_called_once()
+        call_kwargs = mock_task.delay.call_args[1]
+        assert call_kwargs["template_code"] == "loyalty_reward_ready"
+        assert call_kwargs["variables"]["reward_name"] == "Free Coffee"
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_no_email_skips_dispatch(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        """Customer without email does not trigger a send."""
+        no_email_customer = _make_customer_stub(email=None)
+        mock_customer_svc.get_customer_by_id.return_value = no_email_customer
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_enrollment_confirmation(db, card)
+
+        mock_task.delay.assert_not_called()
+
+    @patch("app.modules.loyalty.tasks.notifications.send_notification_email")
+    @patch("app.modules.tenancy.services.store_service.store_service")
+    @patch("app.modules.customers.services.customer_service.customer_service")
+    def test_customer_not_found_skips_dispatch(
+        self, mock_customer_svc, mock_store_svc, mock_task, notification_service
+    ):
+        """Missing customer does not trigger a send."""
+        mock_customer_svc.get_customer_by_id.return_value = None
+        db = MagicMock()
+        card = _make_card_stub()
+
+        notification_service.send_enrollment_confirmation(db, card)
+
+        mock_task.delay.assert_not_called()

scripts/seed/seed_email_templates_loyalty.py

@@ -0,0 +1,497 @@
+#!/usr/bin/env python3
+"""
+Seed loyalty email templates.
+
+Idempotent: safe to run repeatedly — upserts by (code, language).
+
+Run: python scripts/seed/seed_email_templates_loyalty.py
+"""
+
+import contextlib
+import json
+import sys
+from pathlib import Path
+
+# Add project root to path
+sys.path.insert(0, str(Path(__file__).parent.parent.parent))
+
+for _mod in [
+    "app.modules.billing.models",
+    "app.modules.inventory.models",
+    "app.modules.cart.models",
+    "app.modules.messaging.models",
+    "app.modules.loyalty.models",
+    "app.modules.catalog.models",
+    "app.modules.customers.models",
+    "app.modules.orders.models",
+    "app.modules.marketplace.models",
+    "app.modules.cms.models",
+]:
+    with contextlib.suppress(ImportError):
+        __import__(_mod)
+
+from app.core.database import get_db
+from app.modules.messaging.models import EmailCategory, EmailTemplate
+
+# =============================================================================
+# SHARED HTML STRUCTURE
+# =============================================================================
+
+_HEAD = """<!DOCTYPE html>
+<html>
+<head>
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>"""
+
+
+def _wrap(gradient_from, gradient_to, title, body_html):
+    """Wrap email body in the standard template chrome."""
+    return f"""{_HEAD}
+<body style="font-family: Arial, sans-serif; line-height: 1.6; color: #333; max-width: 600px; margin: 0 auto; padding: 20px;">
+    <div style="background: linear-gradient(135deg, {gradient_from} 0%, {gradient_to} 100%); padding: 30px; border-radius: 10px 10px 0 0;">
+        <h1 style="color: white; margin: 0; font-size: 24px;">{title}</h1>
+    </div>
+    <div style="background: #f9fafb; padding: 30px; border-radius: 0 0 10px 10px;">
+{body_html}
+    </div>
+    <div style="text-align: center; padding: 20px; color: #9ca3af; font-size: 12px;">
+        <p>Powered by RewardFlow</p>
+    </div>
+</body>
+</html>"""
+
+
+# =============================================================================
+# LOYALTY TEMPLATES
+# =============================================================================
+
+# ── Enrollment ──────────────────────────────────────────────────────────────
+
+_ENROLLMENT_BODY_EN = """
+        <p style="font-size: 16px;">Hi {{ customer_name }},</p>
+        <p>Welcome to <strong>{{ program_name }}</strong>! Your loyalty card is ready.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #6366f1;">
+            <p style="margin: 5px 0;"><strong>Card Number:</strong> {{ card_number }}</p>
+            <p style="margin: 5px 0;"><strong>Store:</strong> {{ store_name }}</p>
+        </div>
+        <p>Start earning rewards on every visit!</p>
+        <p>Best regards,<br><strong>{{ store_name }}</strong></p>"""
+
+_ENROLLMENT_BODY_FR = """
+        <p style="font-size: 16px;">Bonjour {{ customer_name }},</p>
+        <p>Bienvenue dans <strong>{{ program_name }}</strong> ! Votre carte de fidélité est prête.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #6366f1;">
+            <p style="margin: 5px 0;"><strong>Numéro de carte :</strong> {{ card_number }}</p>
+            <p style="margin: 5px 0;"><strong>Point de vente :</strong> {{ store_name }}</p>
+        </div>
+        <p>Commencez à gagner des récompenses à chaque visite !</p>
+        <p>Cordialement,<br><strong>{{ store_name }}</strong></p>"""
+
+_ENROLLMENT_BODY_DE = """
+        <p style="font-size: 16px;">Hallo {{ customer_name }},</p>
+        <p>Willkommen bei <strong>{{ program_name }}</strong>! Ihre Treuekarte ist bereit.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #6366f1;">
+            <p style="margin: 5px 0;"><strong>Kartennummer:</strong> {{ card_number }}</p>
+            <p style="margin: 5px 0;"><strong>Filiale:</strong> {{ store_name }}</p>
+        </div>
+        <p>Sammeln Sie ab sofort Prämien bei jedem Besuch!</p>
+        <p>Mit freundlichen Grüßen,<br><strong>{{ store_name }}</strong></p>"""
+
+_ENROLLMENT_BODY_LB = """
+        <p style="font-size: 16px;">Moien {{ customer_name }},</p>
+        <p>Wëllkomm bei <strong>{{ program_name }}</strong>! Är Treiekaart ass prett.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #6366f1;">
+            <p style="margin: 5px 0;"><strong>Kaartenummer:</strong> {{ card_number }}</p>
+            <p style="margin: 5px 0;"><strong>Geschäft:</strong> {{ store_name }}</p>
+        </div>
+        <p>Fänkt un Belounungen ze sammelen bei all Besuch!</p>
+        <p>Léif Gréiss,<br><strong>{{ store_name }}</strong></p>"""
+
+# ── Welcome Bonus ───────────────────────────────────────────────────────────
+
+_WELCOME_BONUS_BODY_EN = """
+        <p style="font-size: 16px;">Hi {{ customer_name }},</p>
+        <p>Great news! You've received <strong>{{ points }} bonus points</strong> as a welcome gift from <strong>{{ program_name }}</strong>.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; text-align: center;">
+            <p style="font-size: 36px; font-weight: bold; color: #6366f1; margin: 0;">+{{ points }}</p>
+            <p style="color: #6b7280; margin: 5px 0;">bonus points</p>
+        </div>
+        <p>These points are already in your balance and ready to use toward rewards.</p>
+        <p>Best regards,<br><strong>{{ store_name }}</strong></p>"""
+
+_WELCOME_BONUS_BODY_FR = """
+        <p style="font-size: 16px;">Bonjour {{ customer_name }},</p>
+        <p>Bonne nouvelle ! Vous avez reçu <strong>{{ points }} points bonus</strong> en cadeau de bienvenue de <strong>{{ program_name }}</strong>.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; text-align: center;">
+            <p style="font-size: 36px; font-weight: bold; color: #6366f1; margin: 0;">+{{ points }}</p>
+            <p style="color: #6b7280; margin: 5px 0;">points bonus</p>
+        </div>
+        <p>Ces points sont déjà sur votre solde et utilisables pour des récompenses.</p>
+        <p>Cordialement,<br><strong>{{ store_name }}</strong></p>"""
+
+_WELCOME_BONUS_BODY_DE = """
+        <p style="font-size: 16px;">Hallo {{ customer_name }},</p>
+        <p>Tolle Neuigkeiten! Sie haben <strong>{{ points }} Bonuspunkte</strong> als Willkommensgeschenk von <strong>{{ program_name }}</strong> erhalten.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; text-align: center;">
+            <p style="font-size: 36px; font-weight: bold; color: #6366f1; margin: 0;">+{{ points }}</p>
+            <p style="color: #6b7280; margin: 5px 0;">Bonuspunkte</p>
+        </div>
+        <p>Diese Punkte sind bereits auf Ihrem Konto und können für Prämien eingesetzt werden.</p>
+        <p>Mit freundlichen Grüßen,<br><strong>{{ store_name }}</strong></p>"""
+
+_WELCOME_BONUS_BODY_LB = """
+        <p style="font-size: 16px;">Moien {{ customer_name }},</p>
+        <p>Gutt Noriichten! Dir hutt <strong>{{ points }} Bonuspunkten</strong> als Wëllkommsgeschenk vu <strong>{{ program_name }}</strong> kritt.</p>
+        <div style="background: white; border-radius: 8px; padding: 20px; margin: 20px 0; text-align: center;">
+            <p style="font-size: 36px; font-weight: bold; color: #6366f1; margin: 0;">+{{ points }}</p>
+            <p style="color: #6b7280; margin: 5px 0;">Bonuspunkten</p>
+        </div>
+        <p>Dës Punkten sinn schonn op Ärem Konto a kënne fir Beloununge benotzt ginn.</p>
+        <p>Léif Gréiss,<br><strong>{{ store_name }}</strong></p>"""
+
+# ── Points Expiring ─────────────────────────────────────────────────────────
+
+_POINTS_EXPIRING_BODY_EN = """
+        <p style="font-size: 16px;">Hi {{ customer_name }},</p>
+        <p>This is a friendly reminder that <strong>{{ points }} points</strong> in your <strong>{{ program_name }}</strong> account will expire in <strong>{{ days_remaining }} days</strong> (on {{ expiration_date }}).</p>
+        <div style="background: #fef3c7; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #f59e0b;">
+            <p style="margin: 0; font-weight: bold; color: #92400e;">⏳ {{ points }} points expiring on {{ expiration_date }}</p>
+        </div>
+        <p>Visit us before then to use your points toward a reward!</p>
+        <p>Best regards,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRING_BODY_FR = """
+        <p style="font-size: 16px;">Bonjour {{ customer_name }},</p>
+        <p>Un petit rappel : <strong>{{ points }} points</strong> de votre compte <strong>{{ program_name }}</strong> expireront dans <strong>{{ days_remaining }} jours</strong> (le {{ expiration_date }}).</p>
+        <div style="background: #fef3c7; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #f59e0b;">
+            <p style="margin: 0; font-weight: bold; color: #92400e;">⏳ {{ points }} points expirent le {{ expiration_date }}</p>
+        </div>
+        <p>Rendez-nous visite avant cette date pour utiliser vos points !</p>
+        <p>Cordialement,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRING_BODY_DE = """
+        <p style="font-size: 16px;">Hallo {{ customer_name }},</p>
+        <p>Eine freundliche Erinnerung: <strong>{{ points }} Punkte</strong> auf Ihrem <strong>{{ program_name }}</strong>-Konto verfallen in <strong>{{ days_remaining }} Tagen</strong> (am {{ expiration_date }}).</p>
+        <div style="background: #fef3c7; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #f59e0b;">
+            <p style="margin: 0; font-weight: bold; color: #92400e;">⏳ {{ points }} Punkte verfallen am {{ expiration_date }}</p>
+        </div>
+        <p>Besuchen Sie uns vorher, um Ihre Punkte einzulösen!</p>
+        <p>Mit freundlichen Grüßen,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRING_BODY_LB = """
+        <p style="font-size: 16px;">Moien {{ customer_name }},</p>
+        <p>Eng kleng Erënnerung: <strong>{{ points }} Punkten</strong> op Ärem <strong>{{ program_name }}</strong>-Konto verfalen an <strong>{{ days_remaining }} Deeg</strong> (den {{ expiration_date }}).</p>
+        <div style="background: #fef3c7; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #f59e0b;">
+            <p style="margin: 0; font-weight: bold; color: #92400e;">⏳ {{ points }} Punkten verfalen den {{ expiration_date }}</p>
+        </div>
+        <p>Besicht eis virun deem Datum fir Är Punkten anzeléisen!</p>
+        <p>Léif Gréiss,<br><strong>{{ store_name }}</strong></p>"""
+
+# ── Points Expired ──────────────────────────────────────────────────────────
+
+_POINTS_EXPIRED_BODY_EN = """
+        <p style="font-size: 16px;">Hi {{ customer_name }},</p>
+        <p>Unfortunately, <strong>{{ expired_points }} points</strong> in your <strong>{{ program_name }}</strong> account have expired.</p>
+        <div style="background: #fee2e2; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #ef4444;">
+            <p style="margin: 0; font-weight: bold; color: #991b1b;">{{ expired_points }} points expired</p>
+        </div>
+        <p>Don't worry — you can keep earning points on your next visit!</p>
+        <p>Best regards,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRED_BODY_FR = """
+        <p style="font-size: 16px;">Bonjour {{ customer_name }},</p>
+        <p>Malheureusement, <strong>{{ expired_points }} points</strong> de votre compte <strong>{{ program_name }}</strong> ont expiré.</p>
+        <div style="background: #fee2e2; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #ef4444;">
+            <p style="margin: 0; font-weight: bold; color: #991b1b;">{{ expired_points }} points expirés</p>
+        </div>
+        <p>Pas d'inquiétude — vous pouvez continuer à gagner des points lors de votre prochaine visite !</p>
+        <p>Cordialement,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRED_BODY_DE = """
+        <p style="font-size: 16px;">Hallo {{ customer_name }},</p>
+        <p>Leider sind <strong>{{ expired_points }} Punkte</strong> auf Ihrem <strong>{{ program_name }}</strong>-Konto verfallen.</p>
+        <div style="background: #fee2e2; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #ef4444;">
+            <p style="margin: 0; font-weight: bold; color: #991b1b;">{{ expired_points }} Punkte verfallen</p>
+        </div>
+        <p>Keine Sorge — Sie können bei Ihrem nächsten Besuch weiter Punkte sammeln!</p>
+        <p>Mit freundlichen Grüßen,<br><strong>{{ store_name }}</strong></p>"""
+
+_POINTS_EXPIRED_BODY_LB = """
+        <p style="font-size: 16px;">Moien {{ customer_name }},</p>
+        <p>Leider sinn <strong>{{ expired_points }} Punkten</strong> op Ärem <strong>{{ program_name }}</strong>-Konto ofgelaf.</p>
+        <div style="background: #fee2e2; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #ef4444;">
+            <p style="margin: 0; font-weight: bold; color: #991b1b;">{{ expired_points }} Punkten ofgelaf</p>
+        </div>
+        <p>Keng Suergen — Dir kënnt bei Ärem nächste Besuch weider Punkten sammelen!</p>
+        <p>Léif Gréiss,<br><strong>{{ store_name }}</strong></p>"""
+
+# ── Reward Ready ────────────────────────────────────────────────────────────
+
+_REWARD_READY_BODY_EN = """
+        <p style="font-size: 16px;">Hi {{ customer_name }},</p>
+        <p>Congratulations! You've earned a reward at <strong>{{ program_name }}</strong>! 🎉</p>
+        <div style="background: #ecfdf5; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #10b981; text-align: center;">
+            <p style="font-size: 20px; font-weight: bold; color: #065f46; margin: 0;">🎁 {{ reward_name }}</p>
+        </div>
+        <p>Visit <strong>{{ store_name }}</strong> to redeem your reward. Just show your loyalty card!</p>
+        <p>Best regards,<br><strong>{{ store_name }}</strong></p>"""
+
+_REWARD_READY_BODY_FR = """
+        <p style="font-size: 16px;">Bonjour {{ customer_name }},</p>
+        <p>Félicitations ! Vous avez gagné une récompense chez <strong>{{ program_name }}</strong> ! 🎉</p>
+        <div style="background: #ecfdf5; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #10b981; text-align: center;">
+            <p style="font-size: 20px; font-weight: bold; color: #065f46; margin: 0;">🎁 {{ reward_name }}</p>
+        </div>
+        <p>Rendez-vous chez <strong>{{ store_name }}</strong> pour récupérer votre récompense. Montrez simplement votre carte de fidélité !</p>
+        <p>Cordialement,<br><strong>{{ store_name }}</strong></p>"""
+
+_REWARD_READY_BODY_DE = """
+        <p style="font-size: 16px;">Hallo {{ customer_name }},</p>
+        <p>Herzlichen Glückwunsch! Sie haben eine Prämie bei <strong>{{ program_name }}</strong> verdient! 🎉</p>
+        <div style="background: #ecfdf5; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #10b981; text-align: center;">
+            <p style="font-size: 20px; font-weight: bold; color: #065f46; margin: 0;">🎁 {{ reward_name }}</p>
+        </div>
+        <p>Besuchen Sie <strong>{{ store_name }}</strong> um Ihre Prämie einzulösen. Zeigen Sie einfach Ihre Treuekarte!</p>
+        <p>Mit freundlichen Grüßen,<br><strong>{{ store_name }}</strong></p>"""
+
+_REWARD_READY_BODY_LB = """
+        <p style="font-size: 16px;">Moien {{ customer_name }},</p>
+        <p>Felicitatiounen! Dir hutt eng Belounung bei <strong>{{ program_name }}</strong> verdéngt! 🎉</p>
+        <div style="background: #ecfdf5; border-radius: 8px; padding: 20px; margin: 20px 0; border-left: 4px solid #10b981; text-align: center;">
+            <p style="font-size: 20px; font-weight: bold; color: #065f46; margin: 0;">🎁 {{ reward_name }}</p>
+        </div>
+        <p>Besicht <strong>{{ store_name }}</strong> fir Är Belounung ofzehuelen. Weist einfach Är Treiekaart!</p>
+        <p>Léif Gréiss,<br><strong>{{ store_name }}</strong></p>"""
+
+
+# =============================================================================
+# BUILD TEMPLATE LIST
+# =============================================================================
+
+def _make_templates():
+    """Build the full list of loyalty email templates."""
+    templates = []
+
+    _defs = [
+        {
+            "code": "loyalty_enrollment",
+            "name": {
+                "en": "Loyalty Enrollment",
+                "fr": "Inscription fidélité",
+                "de": "Treue-Anmeldung",
+                "lb": "Treie-Umeldung",
+            },
+            "description": "Sent when a customer enrolls in a loyalty program",
+            "category": EmailCategory.SYSTEM.value,
+            "variables": ["customer_name", "program_name", "card_number", "store_name"],
+            "subject": {
+                "en": "Welcome to {{ program_name }}!",
+                "fr": "Bienvenue chez {{ program_name }} !",
+                "de": "Willkommen bei {{ program_name }}!",
+                "lb": "Wëllkomm bei {{ program_name }}!",
+            },
+            "body_html": {
+                "en": _wrap("#6366f1", "#8b5cf6", "Welcome!", _ENROLLMENT_BODY_EN),
+                "fr": _wrap("#6366f1", "#8b5cf6", "Bienvenue !", _ENROLLMENT_BODY_FR),
+                "de": _wrap("#6366f1", "#8b5cf6", "Willkommen!", _ENROLLMENT_BODY_DE),
+                "lb": _wrap("#6366f1", "#8b5cf6", "Wëllkomm!", _ENROLLMENT_BODY_LB),
+            },
+            "body_text": {
+                "en": "Hi {{ customer_name }},\n\nWelcome to {{ program_name }}! Your loyalty card number is {{ card_number }}.\n\nStart earning rewards on every visit!\n\nBest regards,\n{{ store_name }}",
+                "fr": "Bonjour {{ customer_name }},\n\nBienvenue chez {{ program_name }} ! Votre numéro de carte est {{ card_number }}.\n\nCommencez à gagner des récompenses !\n\nCordialement,\n{{ store_name }}",
+                "de": "Hallo {{ customer_name }},\n\nWillkommen bei {{ program_name }}! Ihre Kartennummer ist {{ card_number }}.\n\nSammeln Sie ab sofort Prämien!\n\nMit freundlichen Grüßen,\n{{ store_name }}",
+                "lb": "Moien {{ customer_name }},\n\nWëllkomm bei {{ program_name }}! Är Kaartenummer ass {{ card_number }}.\n\nFänkt un Belounungen ze sammelen!\n\nLéif Gréiss,\n{{ store_name }}",
+            },
+        },
+        {
+            "code": "loyalty_welcome_bonus",
+            "name": {
+                "en": "Loyalty Welcome Bonus",
+                "fr": "Bonus de bienvenue fidélité",
+                "de": "Treue-Willkommensbonus",
+                "lb": "Treie-Wëllkommsbonus",
+            },
+            "description": "Sent when a customer receives welcome bonus points",
+            "category": EmailCategory.SYSTEM.value,
+            "variables": ["customer_name", "program_name", "points", "store_name"],
+            "subject": {
+                "en": "You earned {{ points }} bonus points!",
+                "fr": "Vous avez gagné {{ points }} points bonus !",
+                "de": "Sie haben {{ points }} Bonuspunkte erhalten!",
+                "lb": "Dir hutt {{ points }} Bonuspunkten kritt!",
+            },
+            "body_html": {
+                "en": _wrap("#6366f1", "#8b5cf6", "Bonus Points!", _WELCOME_BONUS_BODY_EN),
+                "fr": _wrap("#6366f1", "#8b5cf6", "Points Bonus !", _WELCOME_BONUS_BODY_FR),
+                "de": _wrap("#6366f1", "#8b5cf6", "Bonuspunkte!", _WELCOME_BONUS_BODY_DE),
+                "lb": _wrap("#6366f1", "#8b5cf6", "Bonuspunkten!", _WELCOME_BONUS_BODY_LB),
+            },
+            "body_text": {
+                "en": "Hi {{ customer_name }},\n\nYou've received {{ points }} bonus points as a welcome gift from {{ program_name }}.\n\nThese points are already in your balance.\n\nBest regards,\n{{ store_name }}",
+                "fr": "Bonjour {{ customer_name }},\n\nVous avez reçu {{ points }} points bonus de {{ program_name }}.\n\nCes points sont déjà sur votre solde.\n\nCordialement,\n{{ store_name }}",
+                "de": "Hallo {{ customer_name }},\n\nSie haben {{ points }} Bonuspunkte von {{ program_name }} erhalten.\n\nDiese Punkte sind bereits auf Ihrem Konto.\n\nMit freundlichen Grüßen,\n{{ store_name }}",
+                "lb": "Moien {{ customer_name }},\n\nDir hutt {{ points }} Bonuspunkten vu {{ program_name }} kritt.\n\nDës Punkten sinn schonn op Ärem Konto.\n\nLéif Gréiss,\n{{ store_name }}",
+            },
+        },
+        {
+            "code": "loyalty_points_expiring",
+            "name": {
+                "en": "Points Expiring Warning",
+                "fr": "Avertissement expiration points",
+                "de": "Punkteverfall-Warnung",
+                "lb": "Punkten-Oflaaf-Warnung",
+            },
+            "description": "Sent 14 days before loyalty points expire",
+            "category": EmailCategory.SYSTEM.value,
+            "variables": ["customer_name", "program_name", "points", "days_remaining", "expiration_date", "store_name"],
+            "subject": {
+                "en": "Your {{ points }} points expire in {{ days_remaining }} days",
+                "fr": "Vos {{ points }} points expirent dans {{ days_remaining }} jours",
+                "de": "Ihre {{ points }} Punkte verfallen in {{ days_remaining }} Tagen",
+                "lb": "Är {{ points }} Punkten verfalen an {{ days_remaining }} Deeg",
+            },
+            "body_html": {
+                "en": _wrap("#f59e0b", "#d97706", "Points Expiring Soon", _POINTS_EXPIRING_BODY_EN),
+                "fr": _wrap("#f59e0b", "#d97706", "Points bientôt expirés", _POINTS_EXPIRING_BODY_FR),
+                "de": _wrap("#f59e0b", "#d97706", "Punkte verfallen bald", _POINTS_EXPIRING_BODY_DE),
+                "lb": _wrap("#f59e0b", "#d97706", "Punkten verfalen geschwënn", _POINTS_EXPIRING_BODY_LB),
+            },
+            "body_text": {
+                "en": "Hi {{ customer_name }},\n\n{{ points }} points in your {{ program_name }} account will expire in {{ days_remaining }} days (on {{ expiration_date }}).\n\nVisit us to use your points!\n\nBest regards,\n{{ store_name }}",
+                "fr": "Bonjour {{ customer_name }},\n\n{{ points }} points de votre compte {{ program_name }} expireront dans {{ days_remaining }} jours (le {{ expiration_date }}).\n\nRendez-nous visite !\n\nCordialement,\n{{ store_name }}",
+                "de": "Hallo {{ customer_name }},\n\n{{ points }} Punkte auf Ihrem {{ program_name }}-Konto verfallen in {{ days_remaining }} Tagen (am {{ expiration_date }}).\n\nBesuchen Sie uns!\n\nMit freundlichen Grüßen,\n{{ store_name }}",
+                "lb": "Moien {{ customer_name }},\n\n{{ points }} Punkten op Ärem {{ program_name }}-Konto verfalen an {{ days_remaining }} Deeg (den {{ expiration_date }}).\n\nBesicht eis!\n\nLéif Gréiss,\n{{ store_name }}",
+            },
+        },
+        {
+            "code": "loyalty_points_expired",
+            "name": {
+                "en": "Points Expired",
+                "fr": "Points expirés",
+                "de": "Punkte verfallen",
+                "lb": "Punkten ofgelaf",
+            },
+            "description": "Sent when loyalty points have expired",
+            "category": EmailCategory.SYSTEM.value,
+            "variables": ["customer_name", "program_name", "expired_points", "store_name"],
+            "subject": {
+                "en": "{{ expired_points }} points have expired",
+                "fr": "{{ expired_points }} points ont expiré",
+                "de": "{{ expired_points }} Punkte sind verfallen",
+                "lb": "{{ expired_points }} Punkten sinn ofgelaf",
+            },
+            "body_html": {
+                "en": _wrap("#ef4444", "#dc2626", "Points Expired", _POINTS_EXPIRED_BODY_EN),
+                "fr": _wrap("#ef4444", "#dc2626", "Points expirés", _POINTS_EXPIRED_BODY_FR),
+                "de": _wrap("#ef4444", "#dc2626", "Punkte verfallen", _POINTS_EXPIRED_BODY_DE),
+                "lb": _wrap("#ef4444", "#dc2626", "Punkten ofgelaf", _POINTS_EXPIRED_BODY_LB),
+            },
+            "body_text": {
+                "en": "Hi {{ customer_name }},\n\n{{ expired_points }} points in your {{ program_name }} account have expired.\n\nKeep earning on your next visit!\n\nBest regards,\n{{ store_name }}",
+                "fr": "Bonjour {{ customer_name }},\n\n{{ expired_points }} points de votre compte {{ program_name }} ont expiré.\n\nContinuez à gagner des points !\n\nCordialement,\n{{ store_name }}",
+                "de": "Hallo {{ customer_name }},\n\n{{ expired_points }} Punkte auf Ihrem {{ program_name }}-Konto sind verfallen.\n\nSammeln Sie weiter!\n\nMit freundlichen Grüßen,\n{{ store_name }}",
+                "lb": "Moien {{ customer_name }},\n\n{{ expired_points }} Punkten op Ärem {{ program_name }}-Konto sinn ofgelaf.\n\nSammelt weider!\n\nLéif Gréiss,\n{{ store_name }}",
+            },
+        },
+        {
+            "code": "loyalty_reward_ready",
+            "name": {
+                "en": "Reward Ready",
+                "fr": "Récompense disponible",
+                "de": "Prämie bereit",
+                "lb": "Belounung prett",
+            },
+            "description": "Sent when a customer earns enough stamps for a reward",
+            "category": EmailCategory.MARKETING.value,
+            "variables": ["customer_name", "program_name", "reward_name", "store_name"],
+            "subject": {
+                "en": "You've earned a reward at {{ program_name }}! 🎉",
+                "fr": "Vous avez gagné une récompense chez {{ program_name }} ! 🎉",
+                "de": "Sie haben eine Prämie bei {{ program_name }} verdient! 🎉",
+                "lb": "Dir hutt eng Belounung bei {{ program_name }} verdéngt! 🎉",
+            },
+            "body_html": {
+                "en": _wrap("#10b981", "#059669", "Reward Earned! 🎉", _REWARD_READY_BODY_EN),
+                "fr": _wrap("#10b981", "#059669", "Récompense gagnée ! 🎉", _REWARD_READY_BODY_FR),
+                "de": _wrap("#10b981", "#059669", "Prämie verdient! 🎉", _REWARD_READY_BODY_DE),
+                "lb": _wrap("#10b981", "#059669", "Belounung verdéngt! 🎉", _REWARD_READY_BODY_LB),
+            },
+            "body_text": {
+                "en": "Hi {{ customer_name }},\n\nCongratulations! You've earned a reward: {{ reward_name }}\n\nVisit {{ store_name }} to redeem it!\n\nBest regards,\n{{ store_name }}",
+                "fr": "Bonjour {{ customer_name }},\n\nFélicitations ! Vous avez gagné : {{ reward_name }}\n\nRendez-vous chez {{ store_name }} !\n\nCordialement,\n{{ store_name }}",
+                "de": "Hallo {{ customer_name }},\n\nHerzlichen Glückwunsch! Ihre Prämie: {{ reward_name }}\n\nBesuchen Sie {{ store_name }}!\n\nMit freundlichen Grüßen,\n{{ store_name }}",
+                "lb": "Moien {{ customer_name }},\n\nFelicitatiounen! Är Belounung: {{ reward_name }}\n\nBesicht {{ store_name }}!\n\nLéif Gréiss,\n{{ store_name }}",
+            },
+        },
+    ]
+
+    for defn in _defs:
+        for lang in ("en", "fr", "de", "lb"):
+            templates.append({
+                "code": defn["code"],
+                "language": lang,
+                "name": defn["name"][lang],
+                "description": defn["description"],
+                "category": defn["category"],
+                "variables": json.dumps(defn["variables"]),
+                "required_variables": json.dumps(defn["variables"]),
+                "subject": defn["subject"][lang],
+                "body_html": defn["body_html"][lang],
+                "body_text": defn["body_text"][lang],
+                "is_platform_only": False,
+            })
+
+    return templates
+
+
+TEMPLATES = _make_templates()
+
+
+# =============================================================================
+# SEED FUNCTION
+# =============================================================================
+
+
+def seed_templates():
+    """Seed loyalty email templates into database (idempotent)."""
+    db = next(get_db())
+
+    try:
+        created = 0
+        updated = 0
+
+        for template_data in TEMPLATES:
+            existing = (
+                db.query(EmailTemplate)
+                .filter(
+                    EmailTemplate.code == template_data["code"],
+                    EmailTemplate.language == template_data["language"],
+                )
+                .first()
+            )
+
+            if existing:
+                for key, value in template_data.items():
+                    setattr(existing, key, value)
+                updated += 1
+                print(f"  Updated: {template_data['code']} ({template_data['language']})")
+            else:
+                template = EmailTemplate(**template_data)
+                db.add(template)
+                created += 1
+                print(f"  Created: {template_data['code']} ({template_data['language']})")
+
+        db.commit()
+        print(f"\nLoyalty templates — Created: {created}, Updated: {updated}")
+
+    except Exception as e:
+        db.rollback()
+        print(f"Error: {e}")
+        raise
+    finally:
+        db.close()
+
+
+if __name__ == "__main__":
+    seed_templates()