feat(#82): track payment-setup-skipped state per org

JobFlow.API/Controllers/OnboardingController.cs

@@ -118,6 +118,16 @@ public async Task<IResult> SeedIndustryDefaults()
             : result.ToProblemDetails();
     }
 
+    [HttpPost("defer-payment")]
+    public async Task<IResult> DeferPayment()
+    {
+        var organizationId = HttpContext.GetOrganizationId();
+        var result = await onboarding.DeferPaymentSetupAsync(organizationId);
+        return result.IsSuccess
+            ? Results.Ok()
+            : result.ToProblemDetails();
+    }
+
     private static bool HasMinPlan(string? planName, string required)
     {
         static int Rank(string? plan)

JobFlow.Business/Models/DTOs/OrganizationDto.cs

@@ -52,4 +52,5 @@ public class OrganizationDto
     public bool IsStripeConnected { get; set; }
     public string? SquareMerchantId { get; set; }
     public bool IsSquareConnected { get; set; }
+    public bool PaymentSetupDeferred { get; set; }
 }

JobFlow.Business/Services/OnboardingService.cs

@@ -365,4 +365,20 @@ await invoicingSettingsRepo.AddAsync(new OrganizationInvoicingSettings
         await uow.SaveChangesAsync();
         return Result.Success();
     }
+
+    public async Task<Result> DeferPaymentSetupAsync(Guid organizationId)
+    {
+        var org = await orgRepo.GetByIdAsync(organizationId);
+        if (org == null)
+            return Result.Failure(OnboardingErrors.OrganizationNotFound);
+
+        if (org.CanAcceptPayments)
+            return Result.Failure(Error.Validation(
+                "Onboarding.Payment.AlreadyConnected",
+                "Payment provider is already connected and cannot be deferred."));
+
+        org.PaymentSetupSkippedAt = DateTimeOffset.UtcNow;
+        await uow.SaveChangesAsync();
+        return Result.Success();
+    }
 }

JobFlow.Business/Services/ServiceInterfaces/IOnboardingService.cs

@@ -14,4 +14,5 @@ Task<Result<OnboardingQuickStartStateDto>> ApplyQuickStartAsync(
     Task<Result> RecordAnalyticsEventAsync(Guid organizationId, string stepName, string eventType);
     Task<Result<OnboardingIndustryDefaultsDto>> GetIndustryDefaultsAsync(Guid organizationId);
     Task<Result> SeedIndustryDefaultsAsync(Guid organizationId);
+    Task<Result> DeferPaymentSetupAsync(Guid organizationId);
 }

JobFlow.Domain/Models/Organization.cs

@@ -32,13 +32,17 @@ public class Organization : Entity
     public string? SubscriptionPlanName { get; set; }
     public DateTime? SubscriptionExpiresAt { get; set; }
 
+    public DateTimeOffset? PaymentSetupSkippedAt { get; set; }
+
     public bool CanAcceptPayments =>
         (PaymentProvider == PaymentProvider.Stripe &&
          !string.IsNullOrWhiteSpace(StripeConnectAccountId)) ||
         (PaymentProvider == PaymentProvider.Square &&
          IsSquareConnected &&
          !string.IsNullOrWhiteSpace(SquareMerchantId));
 
+    public bool PaymentSetupDeferred => PaymentSetupSkippedAt.HasValue && !CanAcceptPayments;
+
     public PaymentProvider PaymentProvider { get; set; } = PaymentProvider.Stripe;
     public ICollection<CustomerPaymentProfile> PaymentProfiles { get; set; } = new List<CustomerPaymentProfile>();
     public ICollection<Employee> Employees { get; set; } = new List<Employee>();