diff --git a/app/(app)/settings/page.tsx b/app/(app)/settings/page.tsx
index 0c370bb..15add88 100644
--- a/app/(app)/settings/page.tsx
+++ b/app/(app)/settings/page.tsx
@@ -1,7 +1,5 @@
 import { createClient } from '@/lib/supabase/server'
 import SettingsClient from './settings-client'
-import { StripeBillingPanel } from '@/components/settings/stripe-billing-panel'
-import { DuesPaymentMethodsPanel } from '@/components/settings/dues-payment-methods-panel'
 import { redirect } from 'next/navigation'
 
 export default async function SettingsPage() {
@@ -27,15 +25,11 @@ export default async function SettingsPage() {
     .from('integrations').select('*').eq('space_id', member.space_id)
 
   return (
-    <>
-      <SettingsClient
-        space={space}
-        isAdmin={isAdmin}
-        integrations={integrations ?? []}
-        currentRole={member.role}
-      />
-      <StripeBillingPanel spaceId={member.space_id} />
-      <DuesPaymentMethodsPanel />
-    </>
+    <SettingsClient
+      space={space}
+      isAdmin={isAdmin}
+      integrations={integrations ?? []}
+      currentRole={member.role}
+    />
   )
 }
diff --git a/app/(app)/settings/settings-client.tsx b/app/(app)/settings/settings-client.tsx
index c91ddc6..e65176a 100644
--- a/app/(app)/settings/settings-client.tsx
+++ b/app/(app)/settings/settings-client.tsx
@@ -9,6 +9,8 @@ import { financialVisibilities, directoryVisibilities } from '@/lib/validations'
 import type { Tables } from '@/types/database'
 import { PageTitle } from '@/components/ui/page-title'
 import { Dialog, DialogContent, DialogHeader, DialogTitle } from '@/components/ui/dialog'
+import { StripeBillingPanel } from '@/components/settings/stripe-billing-panel'
+import { DuesPaymentMethodsPanel } from '@/components/settings/dues-payment-methods-panel'
 
 type Space = Tables<'spaces'>
 type Integration = Tables<'integrations'>
@@ -88,7 +90,7 @@ const INTEGRATIONS_CONFIG = [
 ]
 
 export default function SettingsClient({ space, isAdmin, integrations, currentRole }: Props) {
-  const [activeTab, setActiveTab] = useState<'space' | 'integrations' | 'webhooks'>('space')
+  const [activeTab, setActiveTab] = useState<'space' | 'integrations' | 'dues' | 'webhooks'>('space')
   const [saving, setSaving] = useState(false)
   const [message, setMessage] = useState<{ type: 'success' | 'error'; text: string } | null>(null)
 
@@ -223,7 +225,7 @@ export default function SettingsClient({ space, isAdmin, integrations, currentRo
         <div className="flex-1 p-4 md:p-6">
           {/* Tabs */}
           <div className="bg-card border-b border-border flex gap-4 md:gap-6 px-2 mb-6 rounded-t overflow-x-auto">
-            {(['space', 'integrations', 'webhooks'] as const).map(tab => (
+            {(['space', 'integrations', 'dues', 'webhooks'] as const).map(tab => (
               <button
                 key={tab}
                 onClick={() => setActiveTab(tab)}
@@ -476,6 +478,14 @@ export default function SettingsClient({ space, isAdmin, integrations, currentRo
             </div>
           )}
 
+          {/* Dues Tab: how members pay dues (Stripe recurring + external links) */}
+          {activeTab === 'dues' && (
+            <div className="space-y-6">
+              <StripeBillingPanel spaceId={space.id} />
+              <DuesPaymentMethodsPanel />
+            </div>
+          )}
+
           {/* Webhooks Tab */}
           {activeTab === 'webhooks' && (
             <div className="bg-card rounded border border-border p-6 space-y-6">
diff --git a/components/settings/dues-payment-methods-panel.tsx b/components/settings/dues-payment-methods-panel.tsx
index 3226d22..775e1fd 100644
--- a/components/settings/dues-payment-methods-panel.tsx
+++ b/components/settings/dues-payment-methods-panel.tsx
@@ -78,7 +78,7 @@ export function DuesPaymentMethodsPanel() {
   }
 
   return (
-    <div className="p-4 md:p-6 border-t border-border">
+    <div className="bg-card rounded border border-border p-6">
       <div className="max-w-2xl space-y-3">
         <h2 className="font-mono text-[10px] uppercase tracking-widest text-muted-foreground">
           Other ways to pay dues
diff --git a/components/settings/stripe-billing-panel.tsx b/components/settings/stripe-billing-panel.tsx
index b05c80d..da91bdb 100644
--- a/components/settings/stripe-billing-panel.tsx
+++ b/components/settings/stripe-billing-panel.tsx
@@ -56,7 +56,7 @@ export function StripeBillingPanel({ spaceId }: { spaceId: string }) {
   }
 
   return (
-    <div className="p-4 md:p-6 border-t border-border">
+    <div className="bg-card rounded border border-border p-6">
       <div className="max-w-2xl space-y-3">
         <div className="flex items-center justify-between">
           <h2 className="font-mono text-[10px] uppercase tracking-widest text-muted-foreground">
diff --git a/docs/HANDOFF.md b/docs/HANDOFF.md
index 4411ff4..f61d4e0 100644
--- a/docs/HANDOFF.md
+++ b/docs/HANDOFF.md
@@ -4,6 +4,12 @@ Append-only. Newest entries on top. Keep each entry to one screen.
 
 ---
 
+## 2026-05-20 (pass 60): /settings "Dues" tab (LOCAL, NOT deployed)
+
+Branch `main`. The Stripe-dues config + external-payment-links panels were floating below the settings tab bar (rendered by page.tsx outside SettingsClient, shown regardless of the active tab). Moved both into a new **Dues** tab inside SettingsClient (tabs are now Space / Integrations / Dues / Webhooks); the panels render as standard `bg-card rounded border` tab cards instead of `border-t` page sections. page.tsx now renders only SettingsClient. UI-only, no schema/actions change. Build + 594 unit green. NOT deployed.
+
+---
+
 ## 2026-05-20 (pass 59): PROD OUTAGE fix + in-app inbox + /me consolidation + style
 
 Branch `main`. Suite 594 unit, 40 integration, build clean.