Phase 5 Xendit: Stages 1-7 (XENDIT_ENABLED=false; Stage 8 pending creds)

Backend
- payment_sessions → payment_requests rename across DB schema + 29 files
- payment.service.js becomes product-agnostic owner: EventEmitter +
  Xendit wrapper + requestPayment / confirmPayment public API; legacy
  aliases retained for existing chat callers
- Webhook handler at POST /api/shared/payment/webhooks/xendit, with
  constant-time token verification (8 vitest cases)
- Server-driven pairing: payment.service emits
  payment_request.confirmed → pairing subscriber starts the blast.
  Legacy POST /chat/request still works during the cutover.
- Reconciliation sweeper extended (re-emits events for confirmed rows
  with no chat session)
- SIGTERM drain + startup reconciliation pass in server.js

Customer app
- waiting_payment_screen opens xendit_invoice_url via
  LaunchMode.inAppBrowserView
- searching / no-bestie / targeted-waiting / pairing-notifier updated
  to consume the new payment_request_id contract
- pending_payments_provider + bestie-unavailable dialog migrated

Dev / testing
- XENDIT_ENABLED=false is the safe default; .env.example documents the
  four new vars
- backend/.dev/xendit-fake-webhook.sh exercises the handler without
  ngrok
- 90/92 backend tests pass (two pre-existing session-timer flakes,
  unrelated); client_app analyzer clean
- requirement/phase5-xendit-plan.md is the canonical reference

Stage 8 (live E2E) blocked on Xendit test-mode keys. The dashboard's
single-webhook-URL constraint will be worked around via a self-poll
script next session.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

backend/.env.example

@@ -40,3 +40,15 @@ ADMIN_PASSWORD=ChangeMe123!
 # --- FCM (kept — only Messaging is used; Auth is self-managed) ---
 # Path to Firebase service-account JSON (falls back to backend/firebase-service-account.json)
 FIREBASE_SERVICE_ACCOUNT_PATH=
+
+# --- Phase 5: Xendit (dev-safe defaults: integration disabled) ---
+#
+# Flip XENDIT_ENABLED=true in staging/prod once secret + webhook token are populated.
+# When false, payment.service.js skips invoice creation and the dev/Maestro stub
+# /internal/_test/force-confirm-payment plays the role of the webhook.
+# See requirement/phase5-xendit-plan.md.
+XENDIT_ENABLED=false
+XENDIT_SECRET_KEY=
+XENDIT_WEBHOOK_TOKEN=
+XENDIT_SUCCESS_REDIRECT_URL=
+XENDIT_FAILURE_REDIRECT_URL=