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Build a custom Layaway Payment Gateway plugin for Node.js/Express and React that allows merchants to accept split payments before order fulfillment.

1. DATA MODEL:
- Customer: id, email, phone, national_id_hash
- Order: id, total_amount, currency, status (pending, partial, paid, cancelled)
- PaymentSchedule: id, order_id, installment_number, amount_due, due_date, status (pending, charged, failed), card_token

2. CORE FUNCTIONALITY:
- Calculate 4 equal monthly installments for a cart total at checkout.
- Collect the first installment immediately via primary gateway (Stripe/Checkout.com tokenization).
- Save customer card token securely for future scheduled charges.
- Schedule background cron job using BullMQ to trigger auto-charges on due dates for installments 2, 3, and 4.
- Provide a customer portal UI to view upcoming payments and manually trigger early payoff.
- Provide a merchant dashboard to monitor active schedules, delinquent accounts, and manual overrides.

3. FAILURE HANDLING & SAFETY:
- If an installment fails, attempt retry schedule at 1, 3, and 7 days.
- Emit webhooks to the e-commerce platform to hold order fulfillment until payment 1 clears.
- Flag delinquent accounts after 14 days and trigger email/SMS notification sequence.

4. OUT OF SCOPE:
- Do not perform real-time credit underwriting or credit bureau checks.
- Do not ship items upfront before full payment (this is layaway, not underwritten loan BNPL).

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