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CAC Bank's initiate SMSes an OTP before it answers and routinely takes more than the 10s this client allowed, so every CAC charge came back as a 502 while the bank was still working — and if the bank had answered, the payer would have been texted a code for an intent the freight side never recorded. Matches the passenger API, which already budgets 60s and reads the same PAYMENT_API_HTTP_TIMEOUT_MS override. Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>