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Implement retry/backoff and idempotency for external API calls #74

Description

@VetheonDevelops

Files: lib/payments/*, external API integrations

Implement retry/backoff strategies and idempotency keys for external API calls to avoid duplicate processing and transient failures.

Suggested steps:

  • Add idempotency key support for payment/create endpoints.
  • Add retry/backoff logic with exponential backoff and jitter.
  • Add tests for retry behavior.

Priority: P1

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