feat(plans): Stage 3b — DB-driven gates for reviews/styling/limits

Make more plan rules read the admin-editable catalog instead of hardcoded values:
- Review reply gated by the `review_reply` feature (Starter+) — 403 if not in plan.
- Custom menu styling gated by `custom_menu_styling` (Starter+): only blocks an
  actual theme change, so a normal settings save re-sending the current theme is fine.
- Menu categories/items limits now read catalog.GetLimitsAsync (Free categories
  editable; message no longer hardcodes a number).
- Terminals limit reads the catalog (enforcement in TerminalRegistryService +
  the displayed max in TerminalsController).

Remaining (small): menu watermark (Free shows it, `watermark_removed` removes it —
needs the public-menu render), report-history (static ReportPlanGate) and AI-3D
routing — these already enforce the correct matrix values, just not yet editable.

86 tests pass; build clean.

src/Meezi.API/Controllers/CafeSettingsController.cs

@@ -3,10 +3,12 @@ using Microsoft.AspNetCore.Mvc;
 using Microsoft.EntityFrameworkCore;
 using Meezi.API.Models.Cafes;
 using Meezi.API.Services;
+using Meezi.Core.Enums;
 using Meezi.Core.Interfaces;
 using Meezi.Core.Utilities;
 using Meezi.Infrastructure.Branding;
 using Meezi.Infrastructure.Data;
+using Meezi.Infrastructure.Services.Platform;
 using Meezi.Shared;
 
 namespace Meezi.API.Controllers;
@@ -16,11 +18,16 @@ public class CafeSettingsController : CafeApiControllerBase
 {
     private readonly AppDbContext _db;
     private readonly IValidator<PatchCafeSettingsRequest> _validator;
+    private readonly IPlatformCatalogService _catalog;
 
-    public CafeSettingsController(AppDbContext db, IValidator<PatchCafeSettingsRequest> validator)
+    public CafeSettingsController(
+        AppDbContext db,
+        IValidator<PatchCafeSettingsRequest> validator,
+        IPlatformCatalogService catalog)
     {
         _db = db;
         _validator = validator;
+        _catalog = catalog;
     }
 
     [HttpGet]
@@ -81,7 +88,19 @@ public class CafeSettingsController : CafeApiControllerBase
         if (request.CoverImageUrl is not null) cafe.CoverImageUrl = request.CoverImageUrl.Trim();
         if (request.SnappfoodVendorId is not null) cafe.SnappfoodVendorId = request.SnappfoodVendorId.Trim();
         if (request.Theme is not null)
-            cafe.ThemeJson = CafeThemeSerializer.Serialize(CafeThemeMapping.FromDto(request.Theme));
+        {
+            // Custom menu styling is a paid feature (Starter+). Only block an actual change,
+            // so a normal settings save that re-sends the current theme isn't rejected.
+            var newThemeJson = CafeThemeSerializer.Serialize(CafeThemeMapping.FromDto(request.Theme));
+            if (newThemeJson != cafe.ThemeJson)
+            {
+                var styleTier = tenant.PlanTier ?? PlanTier.Free;
+                if (!await _catalog.IsFeatureEnabledForCafeAsync(cafeId, styleTier, "custom_menu_styling", ct))
+                    return StatusCode(403, new ApiResponse<object>(false, null,
+                        new ApiError("PLAN_FEATURE_DISABLED", "Custom menu styling is not included in your plan. Please upgrade.")));
+                cafe.ThemeJson = newThemeJson;
+            }
+        }
         if (request.DefaultTaxRate is decimal taxRate)
             cafe.DefaultTaxRate = taxRate;
         if (request.AllowBranchTaxOverride is bool allowTax)