Lower Merchant platform fee from 9% to 5.5%.

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 **shop, menu & booking storefronts** at `merchant.ladill.com` — QR
 storefronts with catalog checkout. Sales settle into the one platform UserWallet
-(9% fee), then withdraw via `account.ladill.com`.
+(5.5% fee), then withdraw via `account.ladill.com`.
 
 Public scans stay at `ladill.com/q/<code>` (blueprint decision — printed codes
 never migrate). The platform host forwards shop/menu/booking codes to this app (see
@@ -23,7 +23,7 @@ main app DB user.
 |---|---|
 | `LADILL_SSO_CLIENT_ID` / `LADILL_SSO_CLIENT_SECRET` | `passport:client` on platform |
 | `BILLING_API_KEY_MERCHANT` | platform `.env` + this app |
-| `PAY_API_KEY_MERCHANT` | platform `.env` + this app — Ladill Pay checkout (9% sales tier) |
+| `PAY_API_KEY_MERCHANT` | platform `.env` + this app — Ladill Pay checkout (5.5% sales tier) |
 | `IDENTITY_API_KEY_MERCHANT` | platform `.env` + this app |
 | `PLATFORM_DB_*` | read `ladilldb.platform_settings` (Paystack keys from admin → Billing) |
 
@@ -83,7 +83,7 @@ php artisan config:cache route:cache view:cache
 
 - SSO login at `merchant.ladill.com`
 - Create a shop, menu, or booking storefront, download QR PNG
-- Scan `/q/<code>`, place test order, confirm wallet credit (net of 9%)
+- Scan `/q/<code>`, place test order, confirm wallet credit (net of 5.5%)
 - Withdraw from `account.ladill.com/wallet`
 
 ## Product IA (blueprint)

app/Models/QrSaleOrder.php

@@ -27,7 +27,7 @@ class QrSaleOrder extends Model
         self::FULFILLMENT_CANCELLED => 'Cancelled',
     ];
 
-    public const PLATFORM_FEE_RATE = 0.09;
+    public const PLATFORM_FEE_RATE = 0.055;
 
     protected $fillable = [
         'pay_order_id',

resources/views/merchant/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">Orders settle into your Ladill wallet (9% fee), then withdraw to bank or MoMo.</p>
+            <p class="mt-1 text-sm text-slate-500">Orders settle into your Ladill wallet (5.5% 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 storefronts — creating one, accepting orders, payouts, or the 9% platform fee…";
+    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about storefronts — creating one, accepting orders, payouts, or the 5.5% platform fee…";
     $afiaSuggestions = [
         'How do I create a storefront?',
         'How do supporters give online?',