add payment option

database/migrations/2025_10_02_120000_create_payments_table.php

@@ -0,0 +1,34 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        if (! Schema::hasTable('payments')) {
+            Schema::create('payments', function (Blueprint $table): void {
+                $table->id();
+                $table->foreignId('account_id')->constrained()->cascadeOnDelete();
+                $table->bigInteger('amount_cents');
+                $table->string('currency', 3)->default('EUR');
+                $table->string('reference')->nullable();
+                $table->timestamp('paid_at')->nullable();
+                $table->jsonb('meta')->nullable();
+                $table->foreignId('created_by')->nullable()->constrained('users')->nullOnDelete();
+                $table->timestamps();
+                $table->softDeletes();
+
+                $table->index(['account_id', 'paid_at']);
+                $table->index('reference');
+            });
+        }
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('payments');
+    }
+};