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Implement donation split + record transfer references #5

@CherryCIC

Description

@CherryCIC

Why

As a platform operator
I want to support split donations and store transfer references
So that funds can be correctly routed to charities and payment records can be audited

Acceptance Criteria
• Given a completed donation
• When the backend prepares a Stripe transfer
• Then the donation amount is split according to predefined rules (e.g., % to charity, % to platform fee)
• Given a successful transfer in Stripe
• When the API responds with a transfer reference ID
• Then that reference is stored in Firebase against the donation record
• Given a failed or incomplete transfer
• When Stripe returns an error
• Then the system records the failure and surfaces an error log for review

Proposed Implementation
• Extend backend service handling Stripe interactions.
• Use Stripe Transfer or PaymentIntent with Transfer Data APIs to split payouts.
• Store transfer id and status in Firebase under each donation record.
• For MVP, test mode only. Actual funds will not move.
• Provide mock data for UI testing (success/failure states).

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