Add Events Pro/Business and BYO ticket gateways.

Cut ticket checkouts off Ladill Pay, settle to merchant gateways at 0% platform fee, and mirror Invoice freemium pricing (GHS 49 / 149).

Co-authored-by: Cursor <cursoragent@cursor.com>

database/migrations/2026_07_15_010000_create_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('payment_gateway_settings', function (Blueprint $table) {
+            $table->id();
+            $table->string('owner_ref', 64)->unique();
+            $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('payment_gateway_settings');
+    }
+};

database/migrations/2026_07_15_020000_create_events_pro_subscriptions_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('events_pro_subscriptions', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('user_id')->unique()->constrained()->cascadeOnDelete();
+            $table->string('status', 16)->default('active');
+            $table->string('plan', 16)->default('pro');
+            $table->unsignedInteger('price_minor');
+            $table->char('currency', 3)->default('GHS');
+            $table->boolean('auto_renew')->default(true);
+            $table->timestamp('started_at')->nullable();
+            $table->timestamp('current_period_end')->nullable();
+            $table->timestamp('last_charged_at')->nullable();
+            $table->timestamp('canceled_at')->nullable();
+            $table->string('last_reference')->nullable();
+            $table->text('last_error')->nullable();
+            $table->timestamps();
+
+            $table->index(['status', 'current_period_end']);
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('events_pro_subscriptions');
+    }
+};