feat: add messaging toggles, password reset UI, and payment discounts

Add notification channel toggles to settings, password reset SMS action on user form, and discount/payable amount display on payment views.

src/api/userApi.js

@@ -7,6 +7,11 @@ export const userApi = {
   getOne: (id) => axiosInstance.get(`/users/admin/get-one/${id}`),
   create: (data) => axiosInstance.post('/users/admin/create', data),
   update: (id, data) => axiosInstance.put(`/users/admin/update/${id}`, data),
+  resetPasswordAndSms: (id) => axiosInstance.post(
+    `/users/admin/${id}/reset-password-sms`,
+    {},
+    { timeout: 30000 }
+  ),
   delete: (id) => axiosInstance.delete(`/users/admin/delete/${id}`),
   enroll: (userId, data) => axiosInstance.post(`/users/admin/${userId}/enroll`, data)
 };