Creates a store order and starts the payment session when needed.
Send Idempotency-Key (any unique string, stored 24 hours per API key)
so retries replay the original response.
A pending order for the same buyer + cart returns HTTP 200 with
duplicate_pending: true and the existing order.
Response includes payment JSON (for a custom UI), a direct gateway
payment_url when the provider has a hosted invoice, and redirect
URLs for after payment.
Optional success_url is where the buyer is sent after the order is
actually paid (Kawan appends ?order={id}). Gateway return may still
be unpaid — treat webhook order.paid as the source of truth.
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