Gate payment gateway behind Pro and Business plans.

Free accounts can no longer connect or use Paystack/Flutterwave/Hubtel;
settings show an upgrade path and checkout requires a paid subscription.

app/Services/Payments/MerchantGatewayService.php

@@ -4,6 +4,7 @@ namespace App\Services\Payments;
 
 use App\Models\PaymentGatewaySetting;
 use App\Models\User;
+use App\Services\Events\SubscriptionService;
 use Illuminate\Support\Facades\Http;
 use RuntimeException;
 
@@ -18,6 +19,10 @@ class MerchantGatewayService
 
     public function isConfigured(User|string $owner): bool
     {
+        if (! $this->ownerMayUseGateway($owner)) {
+            return false;
+        }
+
         return (bool) $this->settingFor($owner)?->isConfigured();
     }
 
@@ -62,6 +67,10 @@ class MerchantGatewayService
 
     protected function requireConfigured(User|string $owner): PaymentGatewaySetting
     {
+        if (! $this->ownerMayUseGateway($owner)) {
+            throw new RuntimeException('Connecting your own payment gateway requires a paid plan. Upgrade to Pro or Business.');
+        }
+
         $setting = $this->settingFor($owner);
         if (! $setting?->isConfigured()) {
             throw new RuntimeException('Connect Paystack, Flutterwave, or Hubtel in Settings before accepting online payments.');
@@ -70,6 +79,19 @@ class MerchantGatewayService
         return $setting;
     }
 
+    protected function ownerMayUseGateway(User|string $owner): bool
+    {
+        $user = $owner instanceof User
+            ? $owner
+            : User::query()->where('public_id', (string) $owner)->first();
+
+        if (! $user) {
+            return false;
+        }
+
+        return app(SubscriptionService::class)->canUsePaymentGateway($user);
+    }
+
     /**
      * @param  array<string, mixed>  $metadata
      * @return array{checkout_url: string, reference: string, provider: string}