Lower Give platform fee from 5% to 3.5%.

Update checkout constant, payout copy, and Afia prompts to match the new Ladill Pay rate.

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

DEPLOY.md

@@ -2,7 +2,7 @@
 
 Standalone app for **online giving pages** at `give.ladill.com` — branded donation
 pages with collection categories (Offering, Tithe, Building Fund…). Donations
-settle into the one platform UserWallet (5% fee), then withdraw via
+settle into the one platform UserWallet (3.5% fee), then withdraw via
 `account.ladill.com`.
 
 Public scans stay at `ladill.com/q/<code>` (blueprint decision — printed codes
@@ -24,7 +24,7 @@ main app DB user.
 |---|---|
 | `LADILL_SSO_CLIENT_ID` / `LADILL_SSO_CLIENT_SECRET` | `passport:client` on platform |
 | `BILLING_API_KEY_GIVE` | platform `.env` + this app |
-| `PAY_API_KEY_GIVE` | platform `.env` + this app — Ladill Pay checkout (5% donations tier) |
+| `PAY_API_KEY_GIVE` | platform `.env` + this app — Ladill Pay checkout (3.5% donations tier) |
 | `IDENTITY_API_KEY_GIVE` | platform `.env` + this app |
 | `PLATFORM_DB_*` | read `ladilldb.platform_settings` (Paystack keys from admin → Billing) |
 
@@ -84,7 +84,7 @@ php artisan config:cache route:cache view:cache
 
 - SSO login at `give.ladill.com`
 - Create a giving page, download QR PNG
-- Scan `/q/<code>`, give test amount, confirm wallet credit (net of 5%)
+- Scan `/q/<code>`, give test amount, confirm wallet credit (net of 3.5%)
 - Withdraw from `account.ladill.com/wallet`
 
 ## Product IA (blueprint)

app/Models/GiveDonation.php

@@ -12,7 +12,7 @@ class GiveDonation extends Model
     public const STATUS_FAILED = 'failed';
 
     /** Platform fee on donations (Ladill Give tier). */
-    public const PLATFORM_FEE_RATE = 0.05;
+    public const PLATFORM_FEE_RATE = 0.035;
 
     protected $fillable = [
         'pay_order_id',

app/Services/Afia/AfiaService.php

@@ -102,7 +102,7 @@ class AfiaService
         - Giving pages: create and manage donation pages — set a title, description, suggested amounts, and cover image, then publish and share the page link or QR.
         - Donations: incoming donations from your pages — view donors, amounts, and messages.
         - Payouts: donated funds land in your Ladill wallet; request a withdrawal to your bank or mobile money from Payouts.
-        - Fees: Ladill takes a 5% platform fee on donations; the remainder is yours.
+        - Fees: Ladill takes a 3.5% platform fee on donations; the remainder is yours.
         - Account & Wallet: check balance or top up at account.ladill.com/wallet.
 
         Rules:

resources/views/give/payouts.blade.php

@@ -4,7 +4,7 @@
     <div class="space-y-6">
         <div>
             <h1 class="text-xl font-semibold text-slate-900">Payouts</h1>
-            <p class="mt-1 text-sm text-slate-500">Donations settle into your Ladill wallet (5% fee), then withdraw to bank or MoMo.</p>
+            <p class="mt-1 text-sm text-slate-500">Donations settle into your Ladill wallet (3.5% fee), then withdraw to bank or MoMo.</p>
         </div>
         <div class="grid gap-4 sm:grid-cols-2">
             <div class="rounded-2xl border border-slate-200 bg-white p-5">

resources/views/partials/afia.blade.php

@@ -1,5 +1,5 @@
 @php
-    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about giving pages — creating one, accepting donations, payouts, or the 5% platform fee…";
+    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about giving pages — creating one, accepting donations, payouts, or the 3.5% platform fee…";
     $afiaSuggestions = [
         'How do I create a giving page?',
         'How do supporters give online?',