Fix: PaymentService auto-fills payer from invoice when not provided

CollectPaymentWizard and ReconciliationWizard were creating payments
without payer_type/payer_id, making them invisible on participant
profiles. Now PaymentService inherits payer from the invoice's
billable when callers omit it. Also auto-generates reference if empty.

Fixed 113 orphaned payments in production.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

app/Domain/Financial/Services/PaymentService.php

@@ -20,6 +20,19 @@ public function __construct(
     public function recordPayment(array $data, User $creator): Payment
     {
         return DB::transaction(function () use ($data, $creator) {
+            if (empty($data['payer_type']) && !empty($data['invoice_id'])) {
+                $invoice = Invoice::find($data['invoice_id']);
+                if ($invoice) {
+                    $data['payer_type'] = $invoice->billable_type;
+                    $data['payer_id'] = $invoice->billable_id;
+                    $data['academy_id'] ??= $invoice->academy_id;
+                }
+            }
+
+            if (empty($data['reference'])) {
+                $data['reference'] = 'PAY-' . now()->format('YmdHis') . '-' . $data['invoice_id'];
+            }
+
             $payment = Payment::create([
                 ...$data,
                 'status' => PaymentStatus::Confirmed,