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CAC Bank is an OTP debit with no redirect and no webhook: initiate SMSes a code to the payer's mobile, and the charge only settles when that code is confirmed. The payment service already spoke it (passenger uses it); the freight side had the enum values but none of the flow. API: - PaymentClientService.confirmOtp forwards the code to POST /payments/intents/:id/confirm, mapping 400/404 to BadRequest so a mistyped code stays retryable instead of surfacing as a gateway failure. - PaymentService.confirmOtp is keyed by the LOCAL intent id (the invoice's paymentId) rather than the domain reference, so the right invoice settles when several share a booking. On success billing settles the invoice. - payInvoice rejects CAC_BANK without payerAccount before calling the gateway, and no longer runs the demo auto-settle for a COLLECT_OTP intent (it is not paid until the payer confirms). - POST /billing/my-invoices/:id/confirm — ownership-checked, and since warehouse fee invoices are central invoices it covers those too. Portal: - useInvoicePayment owns the whole flow (initiate, redirect-or-OTP, confirm) and replaces the five near-identical pay mutations at the call sites. - PaymentMethodModal gains the CAC Bank option, the payer mobile field, and the OTP step. Click-outside is disabled there so a stray click cannot drop the payer out of a live OTP window. Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>