Commit message writer
ProblemCommit history full of 'fix stuff' makes it impossible to find when and why something changed.
diff: retry wrapper added around payment API call, timeout 3s → 10s
fix(payments): retry gateway calls and raise timeout to 10s
Gateway p99 latency exceeds 3s at peak, causing false failures. Retries twice with backoff. Refs PAY-142.
Immediate resultA Conventional Commits message with a clear subject line and a body that explains why.


