<?php
function create_mpesa_payment_request(PDO $pdo, array $deal, string $phone){
    $stmt = $pdo->prepare("INSERT INTO payments (deal_id, phone, amount, status) VALUES (?, ?, ?, 'pending')");
    $stmt->execute([$deal['id'], $phone, $deal['unlock_fee']]);
    return ['ok'=>true, 'payment_id'=>$pdo->lastInsertId(), 'message'=>'Pending payment request created. Daraja STK Push is not yet wired.'];
}