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Payments: additional gateways (PayPal) #394

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@CryptoJones

Problem. Some clients prefer PayPal or regional gateways.

Recommendation. Add a pluggable gateway abstraction with a PayPal implementation alongside Stripe.

Area. Payments · Target milestone. v2.0

Competitor precedent. FreshBooks and Rocketlane collect online payments (Stripe) and reconcile them; BigTime records payments against invoices.

Touches. app/models/CustomerPayment.js, app/models/Invoice.js, app/controllers/customerpaymentcontroller.js, app/routers/router.js

Filed from the research-driven product backlog (BACKLOG.md), sourced from Perplexity deep-research across Harvest, Toggl Track, Clockify, FreshBooks, BigTime, My Hours, Rocketlane and Wrike. One issue per backlog item; the two views stay in sync.

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    area:paymentsFeature area: paymentsfeatureProduct feature from the research-driven backlog

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