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[Soroban] Payment cancellation by merchant via contract call #821

@Xaxxoo

Description

@Xaxxoo

Overview

Allow merchants to cancel a pending (not yet confirmed) payment by invoking the contract, which releases the escrow back to the customer if already deposited.

Tasks

  • Add cancel_payment(payment_id) callable by merchant address
  • Only allow cancellation in Pending state
  • Refund customer if deposit already made
  • Emit PaymentCancelled event
  • NestJS listens to event and updates DB status
  • Unit test cancellation before and after deposit

Acceptance Criteria

  • Merchants can cancel pending payments on-chain
  • Any deposited funds are auto-refunded on cancellation

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