💳 Payer

Universal to'lov tasdiqlovchi xizmat

✅ Ishlayapti

Method	Endpoint	Vazifa
POST	/api/payin	Bank SMS relay
POST	/api/payment	To'lov ro'yxatga olish
GET	/api/payment/:id	Status tekshirish
DEL	/api/payment/:id	Bekor qilish
*	/api/admin/*	Admin panel