Allow switching an unpaid Überweisung order to Stripe payment

New "Zahlungsart ändern" button on the account order detail page,
shown for a still-'received', still-manual (Überweisung) order when an
active Stripe payment method exists. Reuses PaymentStep (the same Stripe
Payment Element checkout uses) and /checkout/verarbeitung's polling logic
(both now take a returnContext prop/param to land back on the order page
instead of clearing the cart and redirecting to /bestellbestaetigung).

Also:
- Payment status badge (Offen/Bezahlt/...) next to the existing Zahlungsart
  display on the order detail page.
- A one-line mention of the switch option in the Vorkasse unpaid notice
  in the order-confirmation email, shown only when a Stripe option is
  actually active (hasOnlinePaymentOption).
- CustomerOrderDetail gained paymentProvider (was missing from the type
  entirely, even though the field already existed on the order).

Backend counterpart: docker/payload's switchPaymentToStripeEndpoint.

app/api/account/orders/[orderNumber]/switch-to-stripe/route.ts

@@ -0,0 +1,73 @@
+import { NextResponse } from "next/server";
+import { getSessionCustomer, getCustomerOrderDetail } from "../../../../../lib/customerAuth";
+import { getPaymentMethods, groupPaymentMethodsForCheckout } from "../../../../../lib/payload";
+import { paymentProvider, isPaymentTestMode } from "../../../../../lib/payments";
+
+const PAYLOAD_URL = process.env.PAYLOAD_URL || "https://payload.mk360.de";
+const PAYMENT_WEBHOOK_SECRET = process.env.PAYMENT_WEBHOOK_SECRET || "";
+
+// Lets a logged-in customer move an existing, still-unpaid Überweisung
+// order onto a Stripe PaymentIntent instead of waiting on their own bank
+// transfer — see the backend's switchPaymentToStripe.ts for the matching
+// endpoint and why this needs a dedicated backend route rather than the
+// generic customer-JWT order-PATCH path (paymentProvider/paymentStatus
+// are system fields a customer JWT can never touch).
+export async function POST(request: Request, { params }: { params: Promise<{ orderNumber: string }> }) {
+  const session = await getSessionCustomer();
+  if (!session) return NextResponse.json({ ok: false, reason: "Bitte zuerst einloggen." }, { status: 401 });
+
+  const { orderNumber } = await params;
+  const order = await getCustomerOrderDetail(session.token, session.customer.id, decodeURIComponent(orderNumber));
+  if (!order) return NextResponse.json({ ok: false, reason: "Bestellung nicht gefunden." }, { status: 404 });
+
+  // Same eligibility the backend endpoint re-checks authoritatively —
+  // checked here too for a friendly error instead of a bare 409.
+  if (order.paymentProvider !== "manual" || order.status !== "received") {
+    return NextResponse.json({ ok: false, reason: "Die Zahlungsart kann für diese Bestellung gerade nicht geändert werden." }, { status: 400 });
+  }
+
+  // Only offer this when a real Stripe payment method is actually active
+  // — same "Online-Zahlung" grouping the checkout itself uses, so this
+  // never presents an option that checkout wouldn't currently accept either.
+  const methods = groupPaymentMethodsForCheckout(await getPaymentMethods());
+  const hasStripeOption = methods.some((m) => m.provider === "stripe");
+  if (!hasStripeOption) {
+    return NextResponse.json({ ok: false, reason: "Aktuell steht keine Online-Zahlung zur Verfügung." }, { status: 400 });
+  }
+
+  let intent: { clientSecret: string; providerReference: string };
+  try {
+    intent = await paymentProvider.createPaymentIntent({
+      amountCents: Math.round(order.total * 100),
+      currency: "eur",
+      customerEmail: order.customerEmail,
+      description: `Bestellung ${order.orderNumber}`,
+    });
+  } catch (err) {
+    return NextResponse.json({ ok: false, reason: "Zahlung konnte nicht vorbereitet werden." }, { status: 500 });
+  }
+
+  const res = await fetch(`${PAYLOAD_URL}/api/orders/${order.id}/switch-payment-to-stripe`, {
+    method: "POST",
+    headers: { "Content-Type": "application/json", "x-payment-webhook-secret": PAYMENT_WEBHOOK_SECRET },
+    body: JSON.stringify({ providerReference: intent.providerReference }),
+  });
+  if (!res.ok) {
+    const data = await res.json().catch(() => null);
+    return NextResponse.json({ ok: false, reason: data?.reason ?? "Umstellung fehlgeschlagen." }, { status: 400 });
+  }
+
+  // Best-effort, same as checkout's own call — a failure here doesn't
+  // block the payment itself, only the confirm-payment webhook's metadata
+  // lookup, which the frontend's own webhook route already alerts on.
+  await paymentProvider.attachOrderMetadata(intent.providerReference, { orderId: String(order.id), orderNumber: order.orderNumber }).catch(() => {});
+
+  return NextResponse.json({
+    ok: true,
+    clientSecret: intent.clientSecret,
+    orderId: order.id,
+    orderNumber: order.orderNumber,
+    testMode: isPaymentTestMode,
+    ...(isPaymentTestMode ? { providerReference: intent.providerReference } : {}),
+  });
+}

app/api/checkout/route.ts

@@ -1,6 +1,6 @@
 import { NextResponse } from "next/server";
 import type { CartItem } from "../../lib/cart";
-import { getShippingMethods, getPaymentMethods, getCompanySettings } from "../../lib/payload";
+import { getShippingMethods, getPaymentMethods, getCompanySettings, groupPaymentMethodsForCheckout } from "../../lib/payload";
 import { validateDiscountCode, redeemDiscountCode } from "../../lib/discountServer";
 import { createOrder } from "../../lib/orderServer";
 import { getSessionCustomer, registerCustomer, setSessionCookie, type CustomerSummary } from "../../lib/customerAuth";
@@ -467,6 +467,9 @@ export async function POST(request: Request) {
         discountCode: body.discountCode || null,
         total,
         isManualPayment: true,
+        // Only meaningful for the Vorkasse notice above — whether a
+        // switch to Kreditkarte/PayPal is even worth mentioning right now.
+        hasOnlinePaymentOption: groupPaymentMethodsForCheckout(paymentMethods).some((m) => m.provider === "stripe"),
       },
       body.email,
     ).catch((err) => {