Add referral discount to payment preview for users with unused referral discounts. - Check referral_discounts table for unused discounts in calculateDiscountPreview - Wrap campaign discount application in a proper database transaction - Apply eligibility guard for 2nd+ payments to prevent duplicate discount application Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent) Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>