[FEATURE] Add mock Paystack dedicated virtual account repayment flow

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Overview

Add a contributor-friendly mock flow for Paystack dedicated virtual accounts used by drivers for repayments.

Problem

ChainMove supports dedicated virtual account repayment collection, but contributors should not need real Paystack business credentials to test driver repayment UI and backend behavior locally.

Expected solution

When this flag is enabled:

ENABLE_MOCK_PAYMENTS=true

The app should be able to simulate:

• creating a dedicated repayment account for a driver
• returning mock bank/account details
• receiving a mock repayment event for local testing
• applying repayment data to local UI or test state where appropriate

Suggested mock response shape

{
  provider: "mock-paystack",
  accountNumber: "0000000000",
  accountName: "ChainMove Test Driver",
  bankName: "Mock Test Bank",
  reference: "mock_dva_<timestamp>"
}

Security notes

• Never commit real Paystack customer data or production responses.
• The mock flow must be clearly marked as local/test-only.
• Production behavior should remain unchanged when mock mode is disabled.

Files likely involved

• driver repayment API routes
• repayment center UI
• Paystack DVA helper/service files
• .env.example
• README or contributor docs

Acceptance criteria

• Driver repayment account flow works locally in mock mode.
• No real Paystack API call is made when mock mode is enabled.
• Mock account data is visibly fake.
• Real payment behavior is not broken.
• Lint and build pass.

Suggested labels

payments, driver, backend, developer-experience

Difficulty

Intermediate

[Menjay7]

Hi! I came across this issue and would love to work on it. I have experience with similar tasks and I'm confident I can investigate, implement a clean solution, and thoroughly test it before submitting a PR. If the issue is still open, I would appreciate it if you could assign it to me. Thank you!

[Marvy247]

I've reviewed the issue description, and I'm confident I can implement all the requested details smoothly.​ Please assign this issue to me! I can have a PR ready for review in a few hours.
Thank You.

[deslawson]

i'd love to work on this issue

[tecch-wiz]

I’m interested in tackling this! I have a strong background in smart contract development and full-stack systems, so I'm well-equipped to handle the requirements here. Could you please assign this to me?

[mimijuwonlo-commits]

LET ME FIX THIS ISSUE WITH A QUALITY PR

[grantfox-oss]

🦊 GrantFox — @mimijuwonlo-commits has been assigned to this issue as part of the Official Campaign campaign!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #24)
2. Your PR will be reviewed by the Chainmove maintainers

Good luck! Track your progress on GrantFox.