fix(payment-methods): admin display_name/description override locale on balance

White-label (per-method display_name + description in admin) was defeated on
balance/top-up pages: render used `translatedName || method.name` and
`translatedDesc || method.description`, so the bundled locale always won and
the admin override was ignored.

- Flip priority: admin-configured value first, locale as fallback
  (TopUpMethodSelect, Balance)
- Add missing Description field to payment-method edit page
  (mirrors Display name: description / reset_description)
- Add description to admin PaymentMethodConfig type
- Add description/descriptionHint i18n keys (ru, en)

src/locales/en.json

@@ -1627,6 +1627,8 @@
       "openUrlDirectHint": "ON — the payment link opens immediately, without the intermediate button panel. OFF — an \"Open payment\" button is shown. Inside Telegram the link opens in the external browser either way (otherwise paying via a bank app/SBP fails); after payment the user returns to the result page. Stars/CryptoBot (t.me/ links) always open natively and ignore this flag.",
       "displayName": "Display name",
       "displayNameHint": "Leave empty for default name",
+      "description": "Description",
+      "descriptionHint": "Shown under the method name. Empty for default text",
       "subOptions": "Payment options",
       "minAmount": "Min amount (kopeks)",
       "maxAmount": "Max amount (kopeks)",

src/locales/ru.json

@@ -1649,6 +1649,8 @@
       "openUrlDirectHint": "ВКЛ — ссылка оплаты открывается сразу, без промежуточной панели с кнопкой. ВЫКЛ — показывается кнопка «Открыть оплату». В Telegram ссылка в обоих случаях открывается во внешнем браузере (иначе оплата через банковское приложение/СБП не срабатывает), после оплаты — возврат на страницу результата. Stars/CryptoBot (t.me/-ссылки) всегда открываются нативно, флаг к ним не применяется.",
       "displayName": "Отображаемое имя",
       "displayNameHint": "Оставьте пустым для имени по умолчанию",
+      "description": "Описание",
+      "descriptionHint": "Показывается под названием метода. Пусто — текст по умолчанию",
       "subOptions": "Варианты оплаты",
       "minAmount": "Мин. сумма (коп.)",
       "maxAmount": "Макс. сумма (коп.)",

src/pages/AdminPaymentMethodEdit.tsx

@@ -232,6 +232,7 @@ export default function AdminPaymentMethodEdit() {
   // Local state for editing
   const [isEnabled, setIsEnabled] = useState(false);
   const [customName, setCustomName] = useState('');
+  const [customDesc, setCustomDesc] = useState('');
   const [subOptions, setSubOptions] = useState<Record<string, boolean>>({});
   const [minAmount, setMinAmount] = useState<number | ''>('');
   const [maxAmount, setMaxAmount] = useState<number | ''>('');
@@ -249,6 +250,7 @@ export default function AdminPaymentMethodEdit() {
     if (config) {
       setIsEnabled(config.is_enabled);
       setCustomName(config.display_name || '');
+      setCustomDesc(config.description || '');
       setSubOptions(config.sub_options || {});
       setMinAmount(config.min_amount_kopeks ?? '');
       setMaxAmount(config.max_amount_kopeks ?? '');
@@ -290,6 +292,13 @@ export default function AdminPaymentMethodEdit() {
       data.reset_display_name = true;
     }
 
+    // Description
+    if (customDesc.trim()) {
+      data.description = customDesc.trim();
+    } else {
+      data.reset_description = true;
+    }
+
     // Sub-options
     if (config.available_sub_options) {
       data.sub_options = subOptions;
@@ -478,6 +487,22 @@ export default function AdminPaymentMethodEdit() {
           </p>
         </div>
 
+        {/* Description */}
+        <div>
+          <label className="mb-2 block text-sm font-medium text-dark-300">
+            {t('admin.paymentMethods.description')}
+          </label>
+          <textarea
+            value={customDesc}
+            onChange={(e) => setCustomDesc(e.target.value)}
+            rows={2}
+            className="input"
+          />
+          <p className="mt-1 text-xs text-dark-500">
+            {t('admin.paymentMethods.descriptionHint')}
+          </p>
+        </div>
+
         {/* Sub-options */}
         {config.available_sub_options && config.available_sub_options.length > 0 && (
           <div>

src/pages/Balance.tsx

@@ -335,11 +335,11 @@ export default function Balance() {
                     onClick={() => method.is_available && navigate(`/balance/top-up/${method.id}`)}
                   >
                     <div className="font-semibold text-dark-100">
-                      {translatedName || method.name}
+                      {method.name || translatedName}
                     </div>
-                    {(translatedDesc || method.description) && (
+                    {(method.description || translatedDesc) && (
                       <div className="mt-1 text-sm text-dark-500">
-                        {translatedDesc || method.description}
+                        {method.description || translatedDesc}
                       </div>
                     )}
                     <div className="mt-3 text-xs text-dark-400">

src/pages/TopUpMethodSelect.tsx

@@ -74,12 +74,12 @@ export default function TopUpMethodSelect() {
                     <div className="flex items-center gap-3">
                       <PaymentMethodIcon method={methodKey} className="h-8 w-8 flex-shrink-0" />
                       <div className="font-semibold text-dark-100">
-                        {translatedName || method.name}
+                        {method.name || translatedName}
                       </div>
                     </div>
-                    {(translatedDesc || method.description) && (
+                    {(method.description || translatedDesc) && (
                       <div className="mt-1 text-sm text-dark-500">
-                        {translatedDesc || method.description}
+                        {method.description || translatedDesc}
                       </div>
                     )}
                     <div className="mt-3 text-xs text-dark-400">

src/types/index.ts

@@ -689,6 +689,7 @@ export interface PaymentMethodConfig {
   is_enabled: boolean;
   display_name: string | null;
   default_display_name: string;
+  description: string | null;
   sub_options: Record<string, boolean> | null;
   available_sub_options: PaymentMethodSubOptionInfo[] | null;
   quick_amounts: number[] | null;