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Backend: new GET /payment/checkout-info returns methods (with limits), global_min/max, plans (with platform), balance_disabled, help_text, and stripe_publishable_key in one response. Frontend: PaymentView now calls getCheckoutInfo() once instead of fetchConfig + getLimits + fetchPlans separately. Removed plansLoading state and loadPlans watcher. Reduced from 317 to 301 lines.