initial: bootstrap from BukidBountyApp base

app/Http/Controllers/Helpers/PaymentProcessor.php

@@ -0,0 +1,37 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Http\Controllers\Helpers;
+
+/**
+ * Mock Payment Processor Helper for Co-op Credit Top-ups
+ */
+class PaymentProcessor
+{
+    /**
+     * Simulate a top-up request to an external processor
+     */
+    public static function initiatePayment(float $amount, string $method, string $userHash)
+    {
+        // In a real scenario, this would call GCash/PayMaya API
+        // For now, we return a mock response
+        return [
+            'success' => true,
+            'transaction_id' => 'TXN-' . strtoupper(bin2hex(random_bytes(6))),
+            'redirect_url' => null, // Would be used for hosted payment pages
+            'status' => 'PENDING',
+        ];
+    }
+
+    /**
+     * Complete a payment after external confirmation
+     */
+    public static function completePayment(string $transactionId)
+    {
+        return [
+            'success' => true,
+            'status' => 'COMPLETED',
+        ];
+    }
+}