feat: add gateway-neutral payment package
Quality / quality (ubuntu-latest) (push) Failing after 9m55s
Quality / quality (windows-latest) (push) Canceled after 0s

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# @wrnexus/payment
Gateway-neutral, webhook-authoritative payments for WrNexus. Amounts are integer minor units. Every initialize and refund operation requires an idempotency key. The package never accepts or stores card numbers, CVVs, or expiry input; its components navigate to provider-hosted checkout.
Built-in adapters: offline `sandbox`, Stripe, Razorpay, and PayPal. Applications may add adapters with `defineGateway`. Capabilities are explicit, unsupported operations are refused, signed webhooks are mandatory in production, and package-owned migrations provision the append-only event ledger.