veldik/platby — reverse-engineered prompt

Build me a Laravel backend for a simple payments system in Czech. It should let an admin create payment requests, send users an email notification, and generate a QR code for paying. The admin should be able to create one payment for several users at once, see incoming payments, and track who has or hasn’t paid.

I also want automatic reminders for unpaid payments, recurring payments with a configurable period, and a credit balance feature where users can top up money in advance and use it for future payments. Users should be able to register, log in, view their own payments, and add credit.

Please keep it API focused because the frontend is a separate app. Include sensible database tables, routes, validation, queues or scheduled jobs where needed, and tests for the main flows. For bank integration, make it easy to swap in a fake test bank service during development instead of using a real bank connection. Look up current Laravel docs online if you need to.