Add freemium plans, wallet-billed host notifications, and Pro upgrades.

Host alerts use email/phone on the host record without requiring a Ladill
account link; SMS and over-quota emails debit the org wallet at platform rates.

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

app/Services/Frontdesk/NotificationBillingService.php

@@ -0,0 +1,110 @@
+<?php
+
+namespace App\Services\Frontdesk;
+
+use App\Models\Organization;
+use App\Services\Billing\BillingClient;
+use Illuminate\Support\Str;
+
+class NotificationBillingService
+{
+    public function __construct(
+        protected BillingClient $billing,
+        protected NotificationPricingService $pricing,
+        protected NotificationUsageService $usage,
+        protected PlanService $plans,
+    ) {}
+
+    public function emailCostMinor(Organization $organization): int
+    {
+        $allowance = $this->plans->freeEmailsPerMonth($organization);
+        if ($allowance === null || $this->usage->emailCountThisMonth($organization) < $allowance) {
+            return 0;
+        }
+
+        return $this->pricing->emailCostMinor();
+    }
+
+    public function canAffordEmail(Organization $organization): bool
+    {
+        $cost = $this->emailCostMinor($organization);
+        if ($cost <= 0) {
+            return true;
+        }
+
+        return $this->canAfford($organization->owner_ref, $cost);
+    }
+
+    public function canAffordSms(Organization $organization, string $message): bool
+    {
+        $cost = $this->pricing->smsCostMinor($message);
+        if ($cost <= 0) {
+            return true;
+        }
+
+        return $this->canAfford($organization->owner_ref, $cost);
+    }
+
+    /**
+     * Debit after a successful send. Returns false if the wallet could not be charged.
+     */
+    public function chargeEmail(Organization $organization, string $reference, string $description): bool
+    {
+        $cost = $this->emailCostMinor($organization);
+        if ($cost <= 0) {
+            $this->usage->recordEmail($organization, 0);
+
+            return true;
+        }
+
+        if (! $this->debit($organization->owner_ref, $cost, 'email', $reference, $description)) {
+            return false;
+        }
+
+        $this->usage->recordEmail($organization, $cost);
+
+        return true;
+    }
+
+    public function chargeSms(Organization $organization, string $message, string $reference, string $description): bool
+    {
+        $cost = $this->pricing->smsCostMinor($message);
+        if ($cost <= 0) {
+            $this->usage->recordSms($organization, 0);
+
+            return true;
+        }
+
+        if (! $this->debit($organization->owner_ref, $cost, 'sms', $reference, $description)) {
+            return false;
+        }
+
+        $this->usage->recordSms($organization, $cost);
+
+        return true;
+    }
+
+    private function canAfford(string $ownerRef, int $costMinor): bool
+    {
+        try {
+            return $this->billing->canAfford($ownerRef, $costMinor);
+        } catch (\Throwable) {
+            return true;
+        }
+    }
+
+    private function debit(string $ownerRef, int $costMinor, string $channel, string $reference, string $description): bool
+    {
+        try {
+            return $this->billing->debit(
+                $ownerRef,
+                $costMinor,
+                'notification_'.$channel,
+                'frontdesk-notify-'.$reference.'-'.Str::uuid(),
+                $description,
+            );
+        } catch (\Throwable) {
+            return false;
+        }
+    }
+}