Add Paystack, Flutterwave, and Hubtel for encounter billing.

Clinics on Pro/Enterprise can connect their own gateway in Integrations and collect card or MoMo on bills with 0% Ladill fee, while cash payments and balance totals stay correct for pending checkouts.

database/migrations/2026_07_16_100000_create_care_payment_gateway_settings_table.php

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+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('care_payment_gateway_settings', function (Blueprint $table) {
+            $table->id();
+            $table->string('owner_ref')->index();
+            $table->foreignId('organization_id')->unique()->constrained('care_organizations')->cascadeOnDelete();
+            $table->string('provider', 32); // paystack|flutterwave|hubtel
+            $table->text('public_key')->nullable();
+            $table->text('secret_key')->nullable();
+            $table->text('webhook_secret')->nullable();
+            $table->boolean('is_active')->default(true);
+            $table->json('metadata')->nullable();
+            $table->timestamps();
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('care_payment_gateway_settings');
+    }
+};

database/migrations/2026_07_16_100100_add_gateway_fields_to_care_payments.php

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+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('care_payments', function (Blueprint $table) {
+            $table->string('status', 20)->default('paid')->after('method'); // pending|paid|failed
+            $table->string('gateway_provider', 32)->nullable()->after('status');
+            $table->index(['reference']);
+            $table->index(['bill_id', 'status']);
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('care_payments', function (Blueprint $table) {
+            $table->dropIndex(['care_payments_reference_index']);
+            $table->dropIndex(['care_payments_bill_id_status_index']);
+            $table->dropColumn(['status', 'gateway_provider']);
+        });
+    }
+};