diff --git a/.planning/ROADMAP.md b/.planning/ROADMAP.md
index a9991af..bc82ab0 100644
--- a/.planning/ROADMAP.md
+++ b/.planning/ROADMAP.md
@@ -1113,7 +1113,7 @@ Plans:
   4. A host test proves the order-create, Stripe-pay and order-paid flow that Horoskopia relies on.
   5. The new code has unit tests, delivered in the phase's last plan.
 
-**Plans:** 3/7 plans executed
+**Plans:** 4/7 plans executed
 
 Plans:
 **Wave 1**
@@ -1126,7 +1126,7 @@ Plans:
 - [x] 18-03-PLAN.md — sm-paymentgateway-plugin admin: Orders, Payments, Quotes, Quote items and Shippings in cabana YAML with partials, record and admin actions, the quote cart element, permissions, navigation and the full EN/PL phrasebook
 
 **Wave 4** *(blocked on 18-03)*
-- [ ] 18-04-PLAN.md — sm-paymentgateway-plugin settings and mail: PG and Mailer settings pages (D-08), 27 postcard templates PL/EN under the PHP codes, the four mailer groups after commit, mailer keys in the Winter import
+- [x] 18-04-PLAN.md — sm-paymentgateway-plugin settings and mail: PG and Mailer settings pages (D-08), 27 postcard templates PL/EN under the PHP codes, the four mailer groups after commit, mailer keys in the Winter import
 
 **Wave 5** *(blocked on 18-04)*
 - [ ] 18-05-PLAN.md — sm-pgstripe-plugin and the proof host: stripe-go v87 operator (Checkout and PaymentIntent, D-16/D-17), signature-only webhooks (D-14), browser return, refunds, encrypted settings with env fallback and `pgstripe:import-winter` (D-13), the D-03/D-04 host test with both pay paths
@@ -1340,7 +1340,7 @@ Phases execute in numeric order: 1 → 2 → 3 → 4 → 5 → 6 → 7 → 8 →
 | 15. Journal plugin | 4/4 | Complete   | 2026-10-06 |
 | 16. grzybyfunkcjonalne.pl on reusable blog views | 5/5 | In Progress|  |
 | 17. Blog companions | 6/6 | In Progress|  |
-| 18. Payment Gateway | 3/7 | In Progress|  |
+| 18. Payment Gateway | 4/7 | In Progress|  |
 | 18.1. Payment Gateway Subscriptions | 0/TBD | Not started | - |
 | 19. Chat and ChatChannels | 0/TBD | Not started | - |
 | 19.1. Chat satellites | 0/TBD | Not started | - |
diff --git a/.planning/STATE.md b/.planning/STATE.md
index 616d9f6..a4e816b 100644
--- a/.planning/STATE.md
+++ b/.planning/STATE.md
@@ -4,16 +4,16 @@ milestone: v1.0
 current_phase: 18
 current_phase_name: Payment Gateway
 status: executing
-stopped_at: Completed 18-03-PLAN.md
-last_updated: "2026-10-13T12:01:32.730Z"
+stopped_at: Completed 18-04-PLAN.md
+last_updated: "2026-10-13T12:32:17.021Z"
 last_activity: 2026-10-13
 last_activity_desc: Phase 18 execution started
-state_head: 9b193c1c4ca13710b55901df39ca2467a4f0199c
+state_head: 79dd3a0bb1c938b57b0db5e69f4b5b00494d6d06
 progress:
   total_phases: 40
   completed_phases: 14
   total_plans: 175
-  completed_plans: 171
+  completed_plans: 172
 gsd_state_version: "1.0"
 milestone_name: milestone
 ---
@@ -30,7 +30,7 @@ See: .planning/PROJECT.md (updated 2026-10-12)
 ## Current Position
 
 Phase: 18 (Payment Gateway) — EXECUTING
-Plan: 4 of 7
+Plan: 5 of 7
 Status: Ready to execute
 Last activity: 2026-10-13 — Phase 18 execution started
 
@@ -228,6 +228,7 @@ Progress: [████░░░░░░] 44%
 | Phase 18 P01 | 43min | 4 tasks | 59 files |
 | Phase 18 P02 | 75min | 4 tasks | 84 files |
 | Phase 18 P03 | 45min | 3 tasks | 75 files |
+| Phase 18 P04 | 40 min | 3 tasks | 78 files |
 
 ## Accumulated Context
 
@@ -755,6 +756,9 @@ Recent decisions affecting current work:
 - [Phase 18]: Admin amounts use money.Stored (struct around Amount4) because cabana money fields/columns accept only string or struct Scanner/Valuer columns
 - [Phase 18]: Quote cart widget runs one cabana action (quote_cart) with payload operations; refusals answer 403 ForbiddenError so the admin toasts the localized reason
 - [Phase 18]: Paymentgateway admin copy is complete in lang/{en,pl}; plan 04 settings/mailer keys listed in 18-03-SUMMARY
+- [Phase 18]: 18-04: cabana settings forms serve method-backed dropdowns from the settings model (pact.DropdownOptionsProvider); framework tag still held to the phase gate
+- [Phase 18]: 18-04: default_currency validated as required|in:<ISO codes> plus a BeforeValidate 422 settings.default_currency_required (lagoon has no string/size rule)
+- [Phase 18]: 18-04: order mails only with orders on, payment mails (customer and staff) only with orders off, as PHP registerSubscribers; mails sent via lagoon.AfterCommit, events.MailSender seam for apps and tests
 
 ### Pending Todos
 
@@ -833,6 +837,6 @@ Items acknowledged and carried forward from previous milestone close:
 
 ## Session Continuity
 
-Last session: 2026-10-13T12:01:31.874Z
-Stopped at: Completed 18-03-PLAN.md
+Last session: 2026-10-13T12:32:05.641Z
+Stopped at: Completed 18-04-PLAN.md
 Resume file: None