Collect MoMo MSISDN and open waiting page on Pay.

Payment QR was still Paystack-only: no customer_phone and mobile iframe sheet. Require MoMo number, pass it to Ladill Pay, and full-page redirect for mtn_momo waiting URLs.

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

app/Services/Pay/PayClient.php

@@ -2,12 +2,14 @@
 
 namespace App\Services\Pay;
 
+use Illuminate\Http\Client\Response;
 use Illuminate\Support\Facades\Http;
+use RuntimeException;
 
 /**
  * Client for the platform Ladill Pay HTTP API — checkout and settlement for
- * merchant↔buyer money. Paystack is the processor today; settlement lands in
- * the one UserWallet via Platform Billing.
+ * merchant↔buyer money. Provider is configured on the platform
+ * (PAY_DEFAULT_PROVIDER); settlement lands via wallet or direct MoMo.
  */
 class PayClient
 {
@@ -25,9 +27,8 @@ class PayClient
     public function createCheckout(array $payload): array
     {
         $res = Http::withToken($this->token())->acceptJson()->timeout(15)->post($this->base().'/checkouts', $payload);
-        $res->throw();
 
-        return (array) $res->json();
+        return $this->jsonOrFail($res, 'Could not start checkout. Please try again.');
     }
 
     public function verify(string $reference): array
@@ -35,16 +36,36 @@ class PayClient
         $res = Http::withToken($this->token())->acceptJson()->timeout(15)->post($this->base().'/checkouts/verify', [
             'reference' => $reference,
         ]);
-        $res->throw();
 
-        return (array) $res->json();
+        return $this->jsonOrFail($res, 'Could not verify payment. Please try again.');
     }
 
     public function show(string $reference): array
     {
         $res = Http::withToken($this->token())->acceptJson()->timeout(10)->get($this->base().'/orders/'.$reference);
-        $res->throw();
+
+        return $this->jsonOrFail($res, 'Could not load payment order.');
+    }
+
+    /** @return array<string,mixed> */
+    private function jsonOrFail(Response $res, string $fallback): array
+    {
+        if ($res->failed()) {
+            throw new RuntimeException($this->errorMessage($res, $fallback));
+        }
 
         return (array) $res->json();
     }
+
+    private function errorMessage(Response $res, string $fallback): string
+    {
+        $message = $res->json('error') ?? $res->json('message');
+        if (is_array($message)) {
+            $message = collect($message)->flatten()->first();
+        }
+
+        $message = trim((string) ($message ?? ''));
+
+        return $message !== '' ? $message : $fallback;
+    }
 }