Reconcile Pending

Scan this org's non-terminal purchases and reconcile each against Razorpay.

Called by the SPA when the Billing page loads. Handles two cases where a webhook never reached us:

1. payment.captured lost → row stuck pending. We ask Razorpay, and if a payment is captured we flip to completed and credit the balance.
2. payment.failed arrived but the subsequent retry's payment.captured was lost → row is failed even though money moved. Same recovery — Razorpay returns the captured payment on the same order, we flip failed → completed.

For (2) we time-bound the scan to the last 7 days so we don't repeatedly query Razorpay for ancient genuinely-failed rows.