feat: implement Stripe PaymentIntent integration#56
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Replace stub paymentService with real Stripe SDK integration: - Use STRIPE_SECRET_KEY env var for client initialization - Validate payload.amount as positive integer - Default currency to 'usd' - Call stripe.paymentIntents.create() and return clientSecret + paymentId - Catch and rethrow Stripe errors with original messages - Unit tests with mocked Stripe SDK - Integration smoke test guarded by STRIPE_SMOKE_TEST env flag Fixes SecureBananaLabs#1
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Summary
Replaces the stub paymentService with a real Stripe SDK integration.
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Acceptance Criteria
Fixes #1