fundraiser mode: external platforms, role-aware onboarding, show-don't-gate

SCHEMA:
- Organization.orgType: 'charity' | 'fundraiser'
- Organization.whatsappConnected: boolean
- Event.paymentMode: 'self' (bank transfer) | 'external' (redirect to URL)
- Event.externalUrl: fundraising page URL
- Event.externalPlatform: launchgood, enthuse, justgiving, gofundme, other

ONBOARDING (role-aware):
- Dashboard shows getting-started banner AT TOP, not full-page blocker
- First-time users see role picker: 'Charity/Mosque' vs 'Personal Fundraiser'
- POST /api/onboarding sets orgType
- Charity checklist: bank details → WhatsApp → create fundraiser → share link
- Fundraiser checklist: add fundraising page → WhatsApp → share pledge link → first pledge
- WhatsApp is now a core onboarding step for both types
- Banner is dismissable via X button
- Dashboard always shows stats (with zeros), progress bar, empty-state card

SHOW DON'T GATE:
- Stats cards show immediately (with zeros, slightly faded)
- Collection progress bar always visible
- Empty-state card says 'Your pledge data will appear here'
- Getting started is a guidance banner, not a lock screen

EXTERNAL PAYMENT FLOW:
- Events can be paymentMode='external' with externalUrl
- Pledge flow: amount → identity → 'Donate on LaunchGood' redirect (skips schedule + payment method)
- ExternalRedirectStep: branded per platform (LaunchGood green, Enthuse purple, etc.)
- Marks pledge as 'initiated' when donor clicks through
- WhatsApp sends donation link instead of bank details
- Share button shares the external URL

EVENT CREATION:
- Payment mode toggle: 'Bank transfer' vs 'External page'
- External shows URL input + platform dropdown
- Fundraiser orgs default to external mode
- Platform badge on event cards

PLATFORMS SUPPORTED:
🌙 LaunchGood, 💜 Enthuse, 💛 JustGiving, 💚 GoFundMe, 🔗 Other/Custom

pledge-now-pay-later/prisma/migrations/20260303_fundraiser_mode/migration.sql

@@ -0,0 +1,10 @@
+-- Organization type: charity processes payments, fundraiser redirects to external platform
+ALTER TABLE "Organization" ADD COLUMN "orgType" TEXT NOT NULL DEFAULT 'charity';
+
+-- Per-event: can this event process payments itself, or redirect to an external page?
+ALTER TABLE "Event" ADD COLUMN "paymentMode" TEXT NOT NULL DEFAULT 'self';
+ALTER TABLE "Event" ADD COLUMN "externalUrl" TEXT;
+ALTER TABLE "Event" ADD COLUMN "externalPlatform" TEXT;
+
+-- WhatsApp connected flag (set when QR scanned + session active)
+ALTER TABLE "Organization" ADD COLUMN "whatsappConnected" BOOLEAN NOT NULL DEFAULT false;

pledge-now-pay-later/prisma/schema.prisma

@@ -11,6 +11,7 @@ model Organization {
   id              String   @id @default(cuid())
   name            String
   slug            String   @unique
+  orgType         String   @default("charity") // charity | fundraiser
   country         String   @default("UK")
   timezone        String   @default("Europe/London")
   bankName        String?
@@ -22,6 +23,7 @@ model Organization {
   primaryColor    String   @default("#1e40af")
   gcAccessToken   String?
   gcEnvironment   String   @default("sandbox")
+  whatsappConnected Boolean @default(false)
   createdAt       DateTime @default(now())
   updatedAt       DateTime @updatedAt
 
@@ -48,17 +50,20 @@ model User {
 }
 
 model Event {
-  id             String   @id @default(cuid())
-  name           String
-  slug           String
-  description    String?
-  eventDate      DateTime?
-  location       String?
-  goalAmount     Int?     // in pence
-  currency       String   @default("GBP")
-  status         String   @default("active") // draft, active, closed, archived
-  organizationId String
-  organization   Organization @relation(fields: [organizationId], references: [id], onDelete: Cascade)
+  id               String   @id @default(cuid())
+  name             String
+  slug             String
+  description      String?
+  eventDate        DateTime?
+  location         String?
+  goalAmount       Int?     // in pence
+  currency         String   @default("GBP")
+  status           String   @default("active") // draft, active, closed, archived
+  paymentMode      String   @default("self") // self = we show bank details, external = redirect to URL
+  externalUrl      String?  // e.g. https://launchgood.com/my-campaign
+  externalPlatform String?  // launchgood, enthuse, justgiving, gofundme, other
+  organizationId   String
+  organization     Organization @relation(fields: [organizationId], references: [id], onDelete: Cascade)
   createdAt      DateTime @default(now())
   updatedAt      DateTime @updatedAt