diff --git a/admin/app/admin/students.rb b/admin/app/admin/students.rb
index 7dae16c8f..a266e2625 100644
--- a/admin/app/admin/students.rb
+++ b/admin/app/admin/students.rb
@@ -8,14 +8,14 @@ ActiveAdmin.register JamRuby::User, :as => 'Students' do
   config.paginate = true
 
   def booked_anything(scope)
-    scope.joins(:student_lesson_bookings).uniq
+    scope.joins(:student_lesson_bookings).where('lesson_bookings.status = ?' > LessonBooking::STATUS_APPROVED).uniq
   end
 
   scope("Default", default: true) { |scope| booked_anything(scope).order('ready_for_session_at IS NULL DESC') }
 
   index do
     column "Name" do |user|
-      link_to teacher.user.name, "#{Rails.application.config.external_root_url}/client#/profile/#{user.id}"
+      link_to user.name, "#{Rails.application.config.external_root_url}/client#/profile/#{user.id}"
     end
     column "Email" do |user|
       user.email
diff --git a/db/up/lessons.sql b/db/up/lessons.sql
index c10667361..11f010ecf 100644
--- a/db/up/lessons.sql
+++ b/db/up/lessons.sql
@@ -27,6 +27,24 @@ CREATE TABLE lesson_bookings (
   updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP
 );
 
+CREATE TABLE charges (
+  id VARCHAR(64) PRIMARY KEY DEFAULT uuid_generate_v4(),
+  amount NUMERIC(8,2) NOT NULL,
+  type VARCHAR(64) NOT NULL,
+  sent_billing_notices BOOLEAN NOT NULL DEFAULT FALSE,
+  sent_billing_notices_at TIMESTAMP,
+  last_billing_attempt_at TIMESTAMP,
+  billed BOOLEAN NOT NULL DEFAULT FALSE,
+  billed_at TIMESTAMP,
+  post_processed BOOLEAN NOT NULL DEFAULT FALSE,
+  post_processed_at TIMESTAMP,
+  billing_error_reason VARCHAR,
+  billing_error_detail VARCHAR,
+  billing_should_retry BOOLEAN  NOT NULL DEFAULT TRUE ,
+  billing_attempts INTEGER NOT NULL DEFAULT 0,
+  created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP
+);
 
 CREATE TABLE lesson_package_purchases (
   id VARCHAR(64) PRIMARY KEY DEFAULT uuid_generate_v4(),
@@ -132,4 +150,25 @@ ALTER TABLE users ADD COLUMN stripe_token VARCHAR(200);
 ALTER TABLE users ADD COLUMN stripe_customer_id VARCHAR(200);
 ALTER TABLE users ADD COLUMN stripe_zip_code VARCHAR(200);
 ALTER TABLE sales ADD COLUMN stripe_charge_id VARCHAR(200);
-ALTER TABLE sale_line_items ADD COLUMN lesson_package_purchase_id VARCHAR(64) REFERENCES lesson_package_purchases(id);
\ No newline at end of file
+ALTER TABLE sale_line_items ADD COLUMN lesson_package_purchase_id VARCHAR(64) REFERENCES lesson_package_purchases(id);
+
+
+CREATE TABLE teacher_payments (
+  id VARCHAR(64) PRIMARY KEY DEFAULT uuid_generate_v4(),
+  teacher_id VARCHAR(64) REFERENCES users(id) NOT NULL,
+  charge_id VARCHAR(64) REFERENCES charges(id) NOT NULL,
+  amount NUMERIC(8,2) NOT NULL,
+  created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP
+);
+
+CREATE TABLE teacher_distributions (
+  id VARCHAR(64) PRIMARY KEY DEFAULT uuid_generate_v4(),
+  teacher_id VARCHAR(64) REFERENCES users(id) NOT NULL,
+  lesson_session_id VARCHAR(64) REFERENCES lesson_sessions(id),
+  teacher_payment_id VARCHAR(64) REFERENCES teacher_payments(id),
+  lesson_payment_purchase_id VARCHAR(64) REFERENCES lesson_package_purchases(id),
+  amount_in_cents INTEGER NOT NULL,
+  created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP
+);
\ No newline at end of file
diff --git a/ruby/lib/jam_ruby.rb b/ruby/lib/jam_ruby.rb
index 5619c7340..9b5f099d4 100755
--- a/ruby/lib/jam_ruby.rb
+++ b/ruby/lib/jam_ruby.rb
@@ -281,6 +281,8 @@ require "jam_ruby/models/jamblaster_pairing_request"
 require "jam_ruby/models/sale_receipt_ios"
 require "jam_ruby/models/lesson_session_analyser"
 require "jam_ruby/models/lesson_session_monthly_price"
+require "jam_ruby/models/teacher_distribution"
+require "jam_ruby/models/charge"
 
 include Jampb
 
diff --git a/ruby/lib/jam_ruby/models/charge.rb b/ruby/lib/jam_ruby/models/charge.rb
new file mode 100644
index 000000000..26279c64b
--- /dev/null
+++ b/ruby/lib/jam_ruby/models/charge.rb
@@ -0,0 +1,131 @@
+module JamRuby
+  class Charge
+    validates :sent_notices, inclusion: {in: [true, false]}
+
+    def max_retries
+      raise "not implemented"
+    end
+    def do_charge
+      raise "not implemented"
+    end
+
+    def bill_lesson
+
+      if !self.billed
+
+        # check if we can bill at the moment
+        if last_billing_attempt_at && (24.hours.ago < last_billing_attempt_at)
+          return
+        end
+
+        if !billing_should_retry
+          return
+        end
+
+
+        # bill the user right now. if it fails, move on; will be tried again
+        self.billing_attempts = self.billing_attempts + 1
+        self.billing_should_retry = self.billing_attempts < max_retries
+        self.last_billing_attempt_at = Time.now
+        self.save(validate: false)
+
+        begin
+
+          do_charge
+
+          if sale.errors.any?
+            self.billing_error_reason = 'sale_error'
+            self.billing_error_detail = sale.errors.inspect
+            line_item = sale.sale_line_items[0]
+            if line_item && line_item.errors.any?
+              self.billing_error_detail = "#{self.billing_error_detail}\n\n#{line_item.errors.inspect}"
+            end
+            self.save(validate: false)
+            return false
+          else
+            self.billed = true
+            self.billed_at = Time.now
+            self.save(validate: false)
+          end
+        rescue Stripe::StripeError => e
+
+          stripe_handler(e)
+
+          subject = "Unable to charge user #{student.email} for lesson #{self.id} (stripe)"
+          body = "teacher=#{teacher.email}\n\nbilling_error_reason=#{billing_error_reason}\n\nbilling_error_detail = #{billing_error_detail}"
+          AdminMailer.alerts({subject: subject, body: body})
+          UserMailer.student_unable_charge(self)
+          return false
+        rescue Exception => e
+          subject = "Unable to charge user #{student.email} for lesson #{self.id} (unhandled)"
+          body = "teacher=#{teacher.email}\n\nbilling_error_reason=#{billing_error_reason}\n\nbilling_error_detail = #{billing_error_detail}"
+          AdminMailer.alerts({subject: subject, body: body})
+          unhandled_handler(e)
+          return false
+        end
+
+      end
+
+      if !self.sent_billing_notices
+        # If the charge is successful, then we post the charge to the student’s payment history,
+        # and associate the charge with the lesson, so that everyone knows the student has paid, and we send an email
+
+        UserMailer.student_lesson_normal_done(self).deliver
+        UserMailer.teacher_lesson_normal_done(self).deliver
+
+        self.sent_billing_notices = true
+        self.sent_billing_notices_at = Time.now
+        self.post_processed = true
+        self.post_processed_at = Time.now
+        self.save(validate: false)
+      end
+
+
+      return true
+    end
+
+    def unhandled_handler(e, reason = 'unhandled_exception')
+      self.billing_error_reason = reason
+      if e.cause
+        self.billing_error_detail = e.cause.to_s + "\n" + e.cause.backtrace.join("\n\t") if e.cause.backtrace
+        self.billing_error_detail << "\n\n"
+        self.billing_error_detail << e.to_s + "\n" + e.backtrace.join("\n\t") if e.backtrace
+      else
+        self.billing_error_detail = e.to_s + "\n" + e.backtrace.join("\n\t") if e.backtrace
+      end
+      self.save(validate: :false)
+    end
+
+    def is_card_declined?
+      billed == false && billing_error_reason == 'card_declined'
+    end
+
+    def is_card_expired?
+      billed == false && billing_error_reason == 'card_expired'
+    end
+
+    def last_billed_at_date
+      last_billing_attempt_at.strftime("%B %d, %Y") if last_billing_attempt_at
+    end
+    def stripe_handler(e)
+
+      msg = e.to_s
+
+      if msg.include?('declined')
+        self.billing_error_reason = 'card_declined'
+        self.billing_error_detail = msg
+      elsif msg.include?('expired')
+        self.billing_error_reason = 'card_expired'
+        self.billing_error_detail = msg
+      elsif msg.include?('processing')
+        self.billing_error_reason = 'processing_error'
+        self.billing_error_detail = msg
+      else
+        self.billing_error_reason = 'stripe'
+        self.billing_error_detail = msg
+      end
+
+      self.save(validate: false)
+    end
+  end
+end
\ No newline at end of file
diff --git a/ruby/lib/jam_ruby/models/teacher_distribution.rb b/ruby/lib/jam_ruby/models/teacher_distribution.rb
new file mode 100644
index 000000000..266fdfe38
--- /dev/null
+++ b/ruby/lib/jam_ruby/models/teacher_distribution.rb
@@ -0,0 +1,14 @@
+module JamRuby
+  class TeacherPayment
+
+    belongs_to :teacher, class: "JamRuby::User"
+    belongs_to :charge, class: "JamRuby::Charge"
+
+    validates :teacher, presence: true
+    validates :charge, presence: true
+    validates :amount, presence: true
+
+
+
+  end
+end
\ No newline at end of file
diff --git a/ruby/lib/jam_ruby/models/teacher_payment_charge.rb b/ruby/lib/jam_ruby/models/teacher_payment_charge.rb
new file mode 100644
index 000000000..276d5ab42
--- /dev/null
+++ b/ruby/lib/jam_ruby/models/teacher_payment_charge.rb
@@ -0,0 +1,48 @@
+module JamRuby
+  class TeacherPaymentCharge < Charge
+
+    has_one :teacher_payment, class: "JamRuby::TeacherDistribution"
+
+    def max_retries
+      1
+    end
+
+    def teacher
+      @teacher ||= teacher_distribution.teacher
+    end
+
+    def amount_in_cents
+      amount * 100
+    end
+
+    def uncollected_charges
+      T.where(teacher_id: teacher.id).where(distributed: false).where(billed:true).where(type: 'JamRuby::StudentLessonCharge')
+    end
+    def do_charge
+
+      @uncollected_charges = uncollected_charges
+      charge = Stripe::Charge.create(
+          :amount => amount_in_cents,
+          :currency => "usd",
+          :source => APP_CONFIG.stripe_charge_token,
+          :description => construct_description,
+          :destination => teacher.stripe_account_id
+      )
+
+      price_info = {}
+      price_info[:subtotal_in_cents] = subtotal_in_cents
+      price_info[:tax_in_cents] = tax_in_cents
+      price_info[:total_in_cents] = total_in_cents
+      price_info[:currency] = 'USD'
+      price_info[:charge_id] = charge.id
+      price_info[:change] = charge
+      price_info[:purchase] = purchase
+      price_info
+    end
+
+    def construct_description
+      teacher_distribution.
+    end
+
+  end
+end
\ No newline at end of file
diff --git a/web/config/application.rb b/web/config/application.rb
index 13008c0bb..8e307f3d2 100644
--- a/web/config/application.rb
+++ b/web/config/application.rb
@@ -166,6 +166,7 @@ if defined?(Bundler)
 
     config.stripe_secret_key = 'sk_test_cPVRbtr9xbMiqffV8jwibwLA'
     config.stripe_publishable_key = 'pk_test_9vO8ZnxBpb9Udb0paruV3qLv'
+    config.stripe_charge_token = '#XXX#'
 
     if Rails.env == 'production'
         config.desk_url = 'https://jamkazam.desk.com'