Lower Mini 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>

app/Models/MiniPayment.php

@@ -16,7 +16,7 @@ class MiniPayment extends Model
     public const STALE_PENDING_HOURS = 6;
 
     /** Platform fee on trader payments (Ladill Mini 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
         - Payment QRs: create a payment QR — set a fixed amount (or let payers enter one) and a label, then publish and share the link or QR for customers to scan and pay.
         - Payments: incoming payments from your QRs — view payer, amount, and status.
         - Payouts: collected 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 payments; the remainder is yours.
+        - Fees: Ladill takes a 3.5% platform fee on payments; the remainder is yours.
         - Account & Wallet: check balance or top up at account.ladill.com/wallet.
 
         Rules: