refactored payment orchestration

api/pkg/model/payment.go

@@ -144,3 +144,24 @@ func (m *PaymentMethod) UnmarshalJSON(data []byte) error {
 	m.Data = raw
 	return nil
 }
+
+type PaymentStatus string
+
+const (
+	PaymentStatusUnspecified PaymentStatus = "unspecified"
+
+	// Intent exists, no funds touched yet.
+	PaymentStatusCreated PaymentStatus = "created"
+
+	// Internal Sendico operations: holds, ledger, FX, fee calc.
+	PaymentStatusAuthorizing PaymentStatus = "authorizing"
+
+	// Funds are outside Sendico (rail/gateway/blockchain/provider).
+	// Observe lives ONLY in this state.
+	PaymentStatusExecuting PaymentStatus = "executing"
+
+	// Final states.
+	PaymentStatusSucceeded PaymentStatus = "success"
+	PaymentStatusFailed    PaymentStatus = "failed"
+	PaymentStatusCancelled PaymentStatus = "cancelled"
+)