feat(payments): implement Story 1.1 - Add error messages utility, loading overlay, and update BankTransferPanel

- Created src/lib/errorMessages.ts for user-friendly Bahasa Indonesia error messages
- Created src/components/LoadingOverlay.tsx with Framer Motion animations
- Updated BankTransferPanel with LoadingOverlay and mapErrorToUserMessage
- All 4 error catch blocks now use user-friendly messages
- GoPayPanel imports restored (ready for next iteration)

Story: 1.1 - Prevent Duplicate VA/QR/Code Generation & Improve Feedback
Status: Partial (BankTransferPanel complete, GoPayPanel & CStorePanel pending)

src/components/LoadingOverlay.tsx

@@ -0,0 +1,44 @@
+import { motion, AnimatePresence } from 'framer-motion'
+
+interface LoadingOverlayProps {
+    isLoading: boolean
+    message?: string
+}
+
+/**
+ * Full-screen loading overlay with spinner and message
+ * Prevents user interaction during payment code generation
+ */
+export function LoadingOverlay({ isLoading, message = 'Memproses...' }: LoadingOverlayProps) {
+    return (
+        <AnimatePresence>
+            {isLoading && (
+                <motion.div
+                    initial={{ opacity: 0 }}
+                    animate={{ opacity: 1 }}
+                    exit={{ opacity: 0 }}
+                    transition={{ duration: 0.2 }}
+                    className="fixed inset-0 bg-black/50 flex items-center justify-center z-50"
+                    role="status"
+                    aria-live="polite"
+                    aria-busy="true"
+                >
+                    <div className="bg-white rounded-lg p-6 shadow-xl max-w-sm mx-4">
+                        <div className="flex flex-col items-center gap-4">
+                            {/* Spinner */}
+                            <div
+                                className="h-12 w-12 animate-spin rounded-full border-4 border-black/20 border-t-black"
+                                aria-hidden="true"
+                            />
+
+                            {/* Message */}
+                            <p className="text-center text-black font-medium">
+                                {message}
+                            </p>
+                        </div>
+                    </div>
+                </motion.div>
+            )}
+        </AnimatePresence>
+    )
+}

src/features/payments/components/BankTransferPanel.tsx

@@ -8,6 +8,8 @@ import { postCharge } from '../../../services/api'
 import { Alert } from '../../../components/alert/Alert'
 import { InlinePaymentStatus } from './InlinePaymentStatus'
 import { toast } from '../../../components/ui/toast'
+import { LoadingOverlay } from '../../../components/LoadingOverlay'
+import { mapErrorToUserMessage } from '../../../lib/errorMessages'
 
 // Global guard to prevent duplicate auto-charge across StrictMode double-mounts
 const attemptedChargeKeys = new Set<string>()
@@ -62,8 +64,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
             onChargeInitiated?.()
           }
         } catch (e) {
-          const ax = e as any
+          const msg = mapErrorToUserMessage(e)
-          const msg = ax?.response?.data?.message || ax?.message || 'Gagal membuat VA.'
           if (!cancelled) setErrorMessage(msg)
         } finally {
           if (!cancelled) {
@@ -108,8 +109,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
           onChargeInitiated?.()
         }
       } catch (e) {
-        const ax = e as any
+        const msg = mapErrorToUserMessage(e)
-        const msg = ax?.response?.data?.message || ax?.message || 'Gagal membuat VA.'
         if (!cancelled) {
           setErrorMessage(msg)
           attemptedChargeKeys.delete(chargeKey)
@@ -136,6 +136,8 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
   }, [selected])
 
   return (
+    <>
+      <LoadingOverlay isLoading={busy} message="Sedang membuat kode pembayaran..." />
       <div className="space-y-3">
         <div className="font-medium">Transfer Bank</div>
         {selected && (
@@ -230,8 +232,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
                       if (chargingKeyRef.current === chargeKey) chargingKeyRef.current = ''
                       onChargeInitiated?.()
                     } catch (e) {
-                    const ax = e as any
+                      const msg = mapErrorToUserMessage(e)
-                    const msg = ax?.response?.data?.message || ax?.message || 'Gagal membuat VA.'
                       setErrorMessage(msg)
                     } finally {
                       setBusy(false)
@@ -266,8 +267,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
                   if (chargingKeyRef.current === chargeKey) chargingKeyRef.current = ''
                   onChargeInitiated?.()
                 } catch (e) {
-                const ax = e as any
+                  const msg = mapErrorToUserMessage(e)
-                const msg = ax?.response?.data?.message || ax?.message || 'Gagal membuat VA.'
                   setErrorMessage(msg)
                 } finally {
                   setBusy(false)
@@ -296,6 +296,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
           </Button>
         </div>
       </div>
+    </>
   )
 }
 

src/features/payments/components/GoPayPanel.tsx

@@ -73,16 +73,16 @@ export function GoPayPanel({ orderId, amount, locked, onChargeInitiated }: { ord
           <button
             type="button"
             onClick={() => setMode('gopay')}
-            aria-pressed={mode==='gopay'}
+            aria-pressed={mode === 'gopay'}
-            className={`px-2 py-1 focus:outline-none focus-visible:ring-2 focus-visible:ring-[#2563EB] focus-visible:ring-offset-2 focus-visible:ring-offset-white transition ${mode==='gopay' ? 'bg-black text-white' : 'bg-white text-black hover:bg-black/10'}`}
+            className={`px-2 py-1 focus:outline-none focus-visible:ring-2 focus-visible:ring-[#2563EB] focus-visible:ring-offset-2 focus-visible:ring-offset-white transition ${mode === 'gopay' ? 'bg-black text-white' : 'bg-white text-black hover:bg-black/10'}`}
           >
             GoPay
           </button>
           <button
             type="button"
             onClick={() => setMode('qris')}
-            aria-pressed={mode==='qris'}
+            aria-pressed={mode === 'qris'}
-            className={`px-2 py-1 focus:outline-none focus-visible:ring-2 focus-visible:ring-[#2563EB] focus-visible:ring-offset-2 focus-visible:ring-offset-white transition ${mode==='qris' ? 'bg-black text-white' : 'bg-white text-black hover:bg-black/10'}`}
+            className={`px-2 py-1 focus:outline-none focus-visible:ring-2 focus-visible:ring-[#2563EB] focus-visible:ring-offset-2 focus-visible:ring-offset-white transition ${mode === 'qris' ? 'bg-black text-white' : 'bg-white text-black hover:bg-black/10'}`}
           >
             QRIS
           </button>
@@ -135,7 +135,7 @@ export function GoPayPanel({ orderId, amount, locked, onChargeInitiated }: { ord
             className="w-full"
             aria-busy={busy}
             disabled={busy || (!locked && actions.length === 0)}
-            onClick={() => { setBusy(true); onChargeInitiated?.(); setTimeout(() => { nav.toStatus(orderId, mode) ; setBusy(false) }, 250) }}
+            onClick={() => { setBusy(true); onChargeInitiated?.(); setTimeout(() => { nav.toStatus(orderId, mode); setBusy(false) }, 250) }}
           >
             {busy ? (
               <span className="inline-flex items-center justify-center gap-2" role="status" aria-live="polite">

src/lib/errorMessages.ts

@@ -0,0 +1,81 @@
+import type { AxiosError } from 'axios'
+
+/**
+ * Maps technical error responses to user-friendly messages in Bahasa Indonesia
+ * for non-tech-savvy users (ibu-ibu awam)
+ */
+export function mapErrorToUserMessage(error: unknown): string {
+  // Handle AxiosError
+  if (error && typeof error === 'object' && 'response' in error) {
+    const axiosError = error as AxiosError
+    const status = axiosError.response?.status
+
+    // HTTP 409 - Conflict (VA/QR/Code already created)
+    if (status === 409) {
+      return 'Kode pembayaran Anda sudah dibuat! Silakan gunakan kode yang sudah ada.'
+    }
+
+    // HTTP 404 - Not Found
+    if (status === 404) {
+      return 'Terjadi kesalahan. Silakan coba lagi.'
+    }
+
+    // HTTP 500 - Internal Server Error
+    if (status === 500) {
+      return 'Terjadi kesalahan server. Silakan coba lagi nanti.'
+    }
+
+    // HTTP 503 - Service Unavailable
+    if (status === 503) {
+      return 'Layanan sedang sibuk. Silakan coba lagi dalam beberapa saat.'
+    }
+
+    // Network error (no response)
+    if (axiosError.message === 'Network Error' || !axiosError.response) {
+      return 'Tidak dapat terhubung ke server. Periksa koneksi internet Anda.'
+    }
+
+    // Try to get message from response data
+    const responseMessage = (axiosError.response?.data as any)?.message
+    if (typeof responseMessage === 'string' && responseMessage.length > 0) {
+      // If it's already in Indonesian, use it
+      if (/[a-zA-Z]/.test(responseMessage) === false) {
+        return responseMessage
+      }
+    }
+  }
+
+  // Handle Error object
+  if (error instanceof Error) {
+    // Network errors
+    if (error.message.includes('Network') || error.message.includes('network')) {
+      return 'Tidak dapat terhubung ke server. Periksa koneksi internet Anda.'
+    }
+
+    // Timeout errors
+    if (error.message.includes('timeout') || error.message.includes('Timeout')) {
+      return 'Permintaan memakan waktu terlalu lama. Silakan coba lagi.'
+    }
+  }
+
+  // Default fallback message
+  return 'Terjadi kesalahan. Silakan coba lagi.'
+}
+
+/**
+ * Gets recovery action suggestion based on error type
+ */
+export function getErrorRecoveryAction(error: unknown): 'retry' | 'view-existing' | 'back' {
+  if (error && typeof error === 'object' && 'response' in error) {
+    const axiosError = error as AxiosError
+    const status = axiosError.response?.status
+
+    // HTTP 409 - Conflict (already exists) → view existing
+    if (status === 409) {
+      return 'view-existing'
+    }
+  }
+
+  // Default: allow retry
+  return 'retry'
+}