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PR #418 — payments: jittered exponential backoff for provider retries

Retries used to fire on a fixed 2-second beat, so a slow provider got a synchronised burst from every pod at once. This moves retry handling into the shared transport, spreads the waits out with jitter, caps them, and decides in one place what is even safe to repeat. Boxes are named in plain English. Click a ⤢ box to zoom into its parts, or a </> box to see the real code (L4). Flip Before ⇄ After or ▶ Play a request, then pass the check to mark yourself approval-ready.
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