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.

tests/Feature/EventsProTest.php

@@ -75,4 +75,32 @@ class EventsProTest extends TestCase
         $this->assertTrue($svc->canCreateEvent($user));
         $this->assertSame(0, $svc->liveEventCount($user));
     }
+
+    public function test_free_user_cannot_use_payment_gateway(): void
+    {
+        $user = $this->user();
+        $svc = app(SubscriptionService::class);
+
+        $this->assertFalse($svc->canUsePaymentGateway($user));
+        $this->assertFalse(app(\App\Services\Payments\MerchantGatewayService::class)->isConfigured($user));
+    }
+
+    public function test_pro_user_can_use_payment_gateway_when_configured(): void
+    {
+        Http::fake(['*/debit' => Http::response(['id' => 1], 201)]);
+        $user = $this->user();
+        $svc = app(SubscriptionService::class);
+        $svc->subscribe($user);
+
+        \App\Models\PaymentGatewaySetting::create([
+            'owner_ref' => $user->public_id,
+            'provider' => \App\Models\PaymentGatewaySetting::PROVIDER_PAYSTACK,
+            'public_key' => 'pk_test',
+            'secret_key' => 'sk_test',
+            'is_active' => true,
+        ]);
+
+        $this->assertTrue($svc->canUsePaymentGateway($user));
+        $this->assertTrue(app(\App\Services\Payments\MerchantGatewayService::class)->isConfigured($user));
+    }
 }