diff --git a/lnbits/core/crud/users.py b/lnbits/core/crud/users.py
index b44c1bf0d..a116afd7e 100644
--- a/lnbits/core/crud/users.py
+++ b/lnbits/core/crud/users.py
@@ -190,6 +190,7 @@ async def get_user_from_account(
         wallets=wallets,
         admin=account.is_admin,
         super_user=account.is_super_user,
+        fiat_providers=account.fiat_providers,
         has_password=account.password_hash is not None,
     )
 
diff --git a/lnbits/core/models/users.py b/lnbits/core/models/users.py
index 47842da67..1a7cc517e 100644
--- a/lnbits/core/models/users.py
+++ b/lnbits/core/models/users.py
@@ -104,11 +104,13 @@ class Account(BaseModel):
 
     is_super_user: bool = Field(default=False, no_database=True)
     is_admin: bool = Field(default=False, no_database=True)
+    fiat_providers: list[str] = Field(default=[], no_database=True)
 
     def __init__(self, **data):
         super().__init__(**data)
         self.is_super_user = settings.is_super_user(self.id)
         self.is_admin = settings.is_admin_user(self.id)
+        self.fiat_providers = settings.get_fiat_providers_for_user(self.id)
 
     def hash_password(self, password: str) -> str:
         """sets and returns the hashed password"""
@@ -171,6 +173,7 @@ class User(BaseModel):
     wallets: list[Wallet] = []
     admin: bool = False
     super_user: bool = False
+    fiat_providers: list[str] = []
     has_password: bool = False
     extra: UserExtra = UserExtra()
 
diff --git a/lnbits/settings.py b/lnbits/settings.py
index 7d83ddcfb..0a7384edc 100644
--- a/lnbits/settings.py
+++ b/lnbits/settings.py
@@ -564,6 +564,7 @@ class StrikeFundingSource(LNbitsSettings):
 
 
 class StripeFundingSource(LNbitsSettings):
+    stripe_enabled: bool = Field(default=False)
     stripe_endpoint: str = Field(default="https://api.stripe.com")
     stripe_secret_key: str | None = Field(default=None)
     # empty list means all users are allowed to receive payments via Stripe
@@ -604,7 +605,17 @@ class FundingSourcesSettings(
 
 
 class FiatFundingSourcesSettings(StripeFundingSource):
-    pass
+
+    def get_fiat_providers_for_user(self, user_id: str) -> list[str]:
+        """
+        Returns a list of fiat payment methods allowed for the user.
+        """
+        allowed_providers = []
+        if not self.stripe_allowed_users or user_id in self.stripe_allowed_users:
+            allowed_providers.append("stripe")
+
+        # Add other fiat providers here as needed
+        return allowed_providers
 
 
 class WebPushSettings(LNbitsSettings):
diff --git a/tests/api/test_auth.py b/tests/api/test_auth.py
index 7edbd3725..10fb5c90c 100644
--- a/tests/api/test_auth.py
+++ b/tests/api/test_auth.py
@@ -178,7 +178,7 @@ async def test_login_alan_username_password_ok(
     assert user.email == "alan@lnbits.com", "Email check."
     assert not user.pubkey, "No pubkey."
     assert not user.admin, "Not admin."
-    assert not user.super_user, "Not superuser."
+    assert not user.super_user, "Not superuser."  # todo: add test for fiat providers
     assert user.has_password, "Password configured."
     assert (
         len(user.wallets) == 1