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/src/app/p/[token]/page.tsx

@@ -8,6 +8,7 @@ import { PaymentStep } from "./steps/payment-step"
 import { IdentityStep } from "./steps/identity-step"
 import { ConfirmationStep } from "./steps/confirmation-step"
 import { BankInstructionsStep } from "./steps/bank-instructions-step"
+import { ExternalRedirectStep } from "./steps/external-redirect-step"
 import { CardPaymentStep } from "./steps/card-payment-step"
 import { DirectDebitStep } from "./steps/direct-debit-step"
 
@@ -33,6 +34,9 @@ interface EventInfo {
   organizationName: string
   qrSourceId: string | null
   qrSourceLabel: string | null
+  paymentMode: "self" | "external"
+  externalUrl: string | null
+  externalPlatform: string | null
 }
 
 /*
@@ -85,13 +89,21 @@ export default function PledgePage() {
     }).catch(() => {})
   }, [token])
 
+  const isExternal = eventInfo?.paymentMode === "external" && eventInfo?.externalUrl
+
   // Step 0: Amount selected
   const handleAmountSelected = (amountPence: number) => {
     setPledgeData((d) => ({ ...d, amountPence }))
-    setStep(1) // → Schedule step
+    if (isExternal) {
+      // External events: amount → identity → redirect (skip schedule + payment method)
+      setPledgeData((d) => ({ ...d, amountPence, rail: "bank", scheduleMode: "now" }))
+      setStep(3) // → Identity
+    } else {
+      setStep(1) // → Schedule step
+    }
   }
 
-  // Step 1: Schedule selected
+  // Step 1: Schedule selected (self-payment events only)
   const handleScheduleSelected = (schedule: {
     mode: "now" | "date" | "installments"
     dueDate?: string
@@ -110,16 +122,15 @@ export default function PledgePage() {
       setStep(2) // → Payment method selection
     } else {
       // Deferred or installments: skip payment method, go to identity
-      // Payment method will be chosen when the due date arrives
-      setPledgeData((d) => ({ ...d, rail: "bank" })) // default to bank for deferred
+      setPledgeData((d) => ({ ...d, rail: "bank" }))
       setStep(3) // → Identity
     }
   }
 
-  // Step 2: Payment method selected (only for "now" mode)
+  // Step 2: Payment method selected (only for "now" self-payment mode)
   const handleRailSelected = (rail: Rail) => {
     setPledgeData((d) => ({ ...d, rail }))
-    setStep(rail === "bank" ? 3 : rail === "card" ? 6 : 8) // identity or card/DD
+    setStep(rail === "bank" ? 3 : rail === "card" ? 6 : 8)
   }
 
   // Submit pledge (from identity step, or card/DD steps)
@@ -142,7 +153,9 @@ export default function PledgePage() {
       setPledgeResult(result)
 
       // Where to go after pledge is created:
-      if (finalData.scheduleMode === "now" && finalData.rail === "bank") {
+      if (isExternal) {
+        setStep(7) // External redirect
+      } else if (finalData.scheduleMode === "now" && finalData.rail === "bank") {
         setStep(4) // Bank instructions
       } else {
         setStep(5) // Confirmation
@@ -209,6 +222,7 @@ export default function PledgePage() {
       />
     ),
     6: <CardPaymentStep amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} eventId={eventInfo?.id || ""} qrSourceId={eventInfo?.qrSourceId || null} onComplete={submitPledge} />,
+    7: pledgeResult && <ExternalRedirectStep pledge={pledgeResult} amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} externalUrl={eventInfo?.externalUrl || ""} externalPlatform={eventInfo?.externalPlatform} donorPhone={pledgeData.donorPhone} />,
     8: <DirectDebitStep amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} organizationName={eventInfo?.organizationName || ""} eventId={eventInfo?.id || ""} qrSourceId={eventInfo?.qrSourceId || null} onComplete={submitPledge} />,
   }
 
@@ -220,7 +234,7 @@ export default function PledgePage() {
     return s - 1
   }
 
-  const progressMap: Record<number, number> = { 0: 8, 1: 25, 2: 40, 3: 60, 4: 100, 5: 100, 6: 60, 8: 60 }
+  const progressMap: Record<number, number> = { 0: 8, 1: 25, 2: 40, 3: 60, 4: 100, 5: 100, 6: 60, 7: 100, 8: 60 }
   const progressPercent = progressMap[step] || 10
 
   return (