fix(ui): pre-load ShopInBit payment info instead of in-page spinner overlay

diff --git a/lib/pages/shopinbit/shopinbit_offer_view.dart b/lib/pages/shopinbit/shopinbit_offer_view.dart
index 544a554..64e90d1 100644
--- a/lib/pages/shopinbit/shopinbit_offer_view.dart
+++ b/lib/pages/shopinbit/shopinbit_offer_view.dart
@@ -13,7 +13,6 @@ import '../../widgets/desktop/desktop_dialog_close_button.dart';
 import '../../widgets/desktop/primary_button.dart';
 import '../../widgets/desktop/secondary_button.dart';
 import '../../widgets/dialogs/s_dialog.dart';
-import '../../widgets/loading_indicator.dart';
 import '../../widgets/rounded_white_container.dart';
 import 'shopinbit_shipping_view.dart';
 
@@ -195,13 +194,7 @@ class _ShopInBitOfferViewState extends ConsumerState<ShopInBitOfferView> {
                     bottom: 32,
                     top: 16,
                   ),
-                  child: Stack(
-                    children: [
-                      content,
-                      if (_loading)
-                        const LoadingIndicator(width: 24, height: 24),
-                    ],
-                  ),
+                  child: content,
                 ),
               ),
             ],
@@ -222,21 +215,16 @@ class _ShopInBitOfferViewState extends ConsumerState<ShopInBitOfferView> {
         body: SafeArea(
           child: LayoutBuilder(
             builder: (context, constraints) {
-              return Stack(
-                children: [
-                  Padding(
-                    padding: const EdgeInsets.all(16),
-                    child: SingleChildScrollView(
-                      child: ConstrainedBox(
-                        constraints: BoxConstraints(
-                          minHeight: constraints.maxHeight - 32,
-                        ),
-                        child: IntrinsicHeight(child: content),
-                      ),
+              return Padding(
+                padding: const EdgeInsets.all(16),
+                child: SingleChildScrollView(
+                  child: ConstrainedBox(
+                    constraints: BoxConstraints(
+                      minHeight: constraints.maxHeight - 32,
                     ),
+                    child: IntrinsicHeight(child: content),
                   ),
-                  if (_loading) const LoadingIndicator(width: 24, height: 24),
-                ],
+                ),
               );
             },
           ),
diff --git a/lib/pages/shopinbit/shopinbit_payment_shared.dart b/lib/pages/shopinbit/shopinbit_payment_shared.dart
index c70f253..bd6aade 100644
--- a/lib/pages/shopinbit/shopinbit_payment_shared.dart
+++ b/lib/pages/shopinbit/shopinbit_payment_shared.dart
@@ -5,8 +5,10 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 import '../../app_config.dart';
 import '../../models/isar/models/ethereum/eth_contract.dart';
 import '../../models/shopinbit/shopinbit_order_model.dart';
+import '../../providers/global/shopin_bit_service_provider.dart';
 import '../../providers/providers.dart';
 import '../../route_generator.dart';
+import '../../services/shopinbit/src/models/payment.dart';
 import '../../services/wallets.dart';
 import '../../themes/stack_colors.dart';
 import '../../utilities/address_utils.dart';
@@ -17,7 +19,6 @@ import '../../utilities/util.dart';
 import '../../wallets/crypto_currency/crypto_currency.dart';
 import '../../widgets/background.dart';
 import '../../widgets/custom_buttons/app_bar_icon_button.dart';
-import '../../widgets/loading_indicator.dart';
 import 'shopinbit_send_from_view.dart';
 
 final String kShopInBitUsdtContractAddress = DefaultTokens.list
@@ -223,20 +224,45 @@ Future<bool> tryNavigateToShopInBitWalletSend({
   return false;
 }
 
+// Fetches the live payment info for a ticket so the caller can pass it into
+// the payment view as an arg (rather than loading it after the view is up).
+// GET first to reuse an existing invoice per the spec's "page reload
+// recovery" guidance; PUT (which regenerates) only when GET shows none.
+// Returns null on any failure so the view can fall back to polling.
+Future<PaymentInfo?> fetchShopInBitPaymentInfo(
+  WidgetRef ref,
+  int apiTicketId,
+) async {
+  try {
+    final client = ref.read(pShopinBitService).client;
+    final getResp = await client.getPayment(apiTicketId);
+    if (!getResp.hasError &&
+        getResp.value != null &&
+        getResp.value!.paymentLinks.isNotEmpty) {
+      return getResp.value;
+    }
+    final putResp = await client.putPayment(apiTicketId);
+    if (!putResp.hasError && putResp.value != null) {
+      return putResp.value;
+    }
+  } catch (_) {
+    // Degrade to polling-only.
+  }
+  return null;
+}
+
 // Shared mobile chrome for the two ShopInBit payment views: Background +
 // PopScope (back goes through [onBack]) + AppBar + scrollable, intrinsic
-// height body. Set [showLoading] to overlay a spinner.
+// height body.
 class ShopInBitPaymentMobileScaffold extends StatelessWidget {
   const ShopInBitPaymentMobileScaffold({
     super.key,
     required this.onBack,
     required this.child,
-    this.showLoading = false,
   });
 
   final VoidCallback onBack;
   final Widget child;
-  final bool showLoading;
 
   @override
   Widget build(BuildContext context) {
@@ -259,22 +285,16 @@ class ShopInBitPaymentMobileScaffold extends StatelessWidget {
           body: SafeArea(
             child: LayoutBuilder(
               builder: (context, constraints) {
-                return Stack(
-                  children: [
-                    Padding(
-                      padding: const EdgeInsets.all(16),
-                      child: SingleChildScrollView(
-                        child: ConstrainedBox(
-                          constraints: BoxConstraints(
-                            minHeight: constraints.maxHeight - 32,
-                          ),
-                          child: IntrinsicHeight(child: child),
-                        ),
+                return Padding(
+                  padding: const EdgeInsets.all(16),
+                  child: SingleChildScrollView(
+                    child: ConstrainedBox(
+                      constraints: BoxConstraints(
+                        minHeight: constraints.maxHeight - 32,
                       ),
+                      child: IntrinsicHeight(child: child),
                     ),
-                    if (showLoading)
-                      const LoadingIndicator(width: 24, height: 24),
-                  ],
+                  ),
                 );
               },
             ),
diff --git a/lib/pages/shopinbit/shopinbit_payment_view.dart b/lib/pages/shopinbit/shopinbit_payment_view.dart
index e876a71..589e6f2 100644
--- a/lib/pages/shopinbit/shopinbit_payment_view.dart
+++ b/lib/pages/shopinbit/shopinbit_payment_view.dart
@@ -16,6 +16,7 @@ import '../../themes/coin_icon_provider.dart';
 import '../../themes/stack_colors.dart';
 import '../../utilities/address_utils.dart';
 import '../../utilities/assets.dart';
+import '../../utilities/show_loading.dart';
 import '../../utilities/text_styles.dart';
 import '../../utilities/util.dart';
 import '../../widgets/desktop/desktop_dialog.dart';
@@ -23,24 +24,30 @@ import '../../widgets/desktop/desktop_dialog_close_button.dart';
 import '../../widgets/desktop/primary_button.dart';
 import '../../widgets/desktop/secondary_button.dart';
 import '../../widgets/icon_widgets/copy_icon.dart';
-import '../../widgets/loading_indicator.dart';
 import '../../widgets/rounded_white_container.dart';
 import 'shopinbit_payment_shared.dart';
 
 class ShopInBitPaymentView extends ConsumerStatefulWidget {
-  const ShopInBitPaymentView({super.key, required this.model});
+  const ShopInBitPaymentView({
+    super.key,
+    required this.model,
+    this.initialPaymentInfo,
+  });
 
   static const String routeName = "/shopInBitPayment";
 
   final ShopInBitOrderModel model;
 
+  // Pre-loaded by the caller (see fetchShopInBitPaymentInfo) so the view can
+  // render populated immediately instead of fetching after it's pushed.
+  final PaymentInfo? initialPaymentInfo;
+
   @override
   ConsumerState<ShopInBitPaymentView> createState() =>
       _ShopInBitPaymentViewState();
 }
 
 class _ShopInBitPaymentViewState extends ConsumerState<ShopInBitPaymentView> {
-  bool _loading = false;
   int _selectedMethod = 0;
   Timer? _pollTimer;
 
@@ -72,8 +79,13 @@ class _ShopInBitPaymentViewState extends ConsumerState<ShopInBitPaymentView> {
   @override
   void initState() {
     super.initState();
+    if (widget.initialPaymentInfo != null) {
+      _applyPaymentInfo(widget.initialPaymentInfo!);
+    }
+    // Poll even when the pre-load returned null so the view can still recover
+    // a live invoice on its own.
     if (widget.model.apiTicketId != 0) {
-      _loadPayment();
+      _startPolling();
     }
   }
 
@@ -115,132 +127,80 @@ class _ShopInBitPaymentViewState extends ConsumerState<ShopInBitPaymentView> {
     } catch (_) {}
   }
 
-  // The shipping view's PAY NOW button is the only path into this view today,
-  // but we still GET first per the 1.0.4 spec's "page reload recovery"
-  // guidance: if a live invoice already exists for this ticket, reuse it.  PUT
-  // (which regenerates) only when GET shows there isn't one.  An empty
-  // paymentLinks map covers all "no live invoice" cases the server returns
-  // (fresh ticket, expired, invalid) and a non-empty map covers everything
-  // worth preserving (live, paid, paid_late, processing).
-  Future<void> _loadPayment() async {
-    setState(() => _loading = true);
-    try {
-      final client = ref.read(pShopinBitService).client;
-      final getResp = await client.getPayment(widget.model.apiTicketId);
-      PaymentInfo? info;
-      if (!getResp.hasError &&
-          getResp.value != null &&
-          getResp.value!.paymentLinks.isNotEmpty) {
-        info = getResp.value!;
-      } else {
-        final putResp = await client.putPayment(widget.model.apiTicketId);
-        if (!putResp.hasError && putResp.value != null) {
-          info = putResp.value!;
-        }
-      }
-      if (info != null) {
-        _applyPaymentInfo(info);
-      }
-    } catch (_) {
-      // Fall back to local/dummy data
-    } finally {
-      if (mounted) {
-        setState(() => _loading = false);
-        _startPolling();
-      }
-    }
-  }
-
   Future<void> _refreshInvoice() async {
-    setState(() => _loading = true);
-    try {
-      final resp = await ref
+    _pollTimer?.cancel();
+    final resp = await showLoading(
+      whileFuture: ref
           .read(pShopinBitService)
           .client
-          .putPayment(widget.model.apiTicketId);
-      if (!resp.hasError && resp.value != null) {
-        _applyPaymentInfo(resp.value!);
-      }
-    } catch (_) {}
-    if (mounted) {
-      setState(() => _loading = false);
-      _startPolling();
+          .putPayment(widget.model.apiTicketId),
+      context: context,
+      message: "Refreshing invoice",
+    );
+    if (!mounted) return;
+    if (resp != null && !resp.hasError && resp.value != null) {
+      setState(() => _applyPaymentInfo(resp.value!));
     }
+    _startPolling();
   }
 
   Future<void> _checkForPayment() async {
     _pollTimer?.cancel();
-    setState(() => _loading = true);
-    try {
-      final resp = await ref
+    final resp = await showLoading(
+      whileFuture: ref
           .read(pShopinBitService)
           .client
-          .getPayment(widget.model.apiTicketId);
-      if (!resp.hasError && resp.value != null && mounted) {
-        setState(() => _applyPaymentInfo(resp.value!));
-        final status = resp.value!.status;
-        if (const {
-          'paid',
-          'paid_over',
-          'paid_late',
-          'payment_processing',
-        }.contains(status)) {
-          if (mounted) {
-            unawaited(
-              showFloatingFlushBar(
-                type: FlushBarType.success,
-                message: "Payment received!",
-                context: context,
-              ),
-            );
-          }
-        } else if (status == 'underpaid') {
-          if (mounted) {
-            unawaited(
-              showFloatingFlushBar(
-                type: FlushBarType.warning,
-                message: "Underpaid. Remaining: ${resp.value!.due ?? '?'} EUR.",
-                context: context,
-              ),
-            );
-          }
-        } else {
-          if (mounted) {
-            unawaited(
-              showFloatingFlushBar(
-                type: FlushBarType.info,
-                message: "No payment detected yet.",
-                context: context,
-              ),
-            );
-          }
-        }
-      } else if (mounted) {
+          .getPayment(widget.model.apiTicketId),
+      context: context,
+      message: "Checking for payment",
+    );
+    if (!mounted) return;
+
+    if (resp != null && !resp.hasError && resp.value != null) {
+      setState(() => _applyPaymentInfo(resp.value!));
+      final status = resp.value!.status;
+      if (const {
+        'paid',
+        'paid_over',
+        'paid_late',
+        'payment_processing',
+      }.contains(status)) {
         unawaited(
           showFloatingFlushBar(
-            type: FlushBarType.warning,
-            message: resp.exception?.message ?? "Failed to check payment.",
+            type: FlushBarType.success,
+            message: "Payment received!",
             context: context,
           ),
         );
-      }
-    } catch (e) {
-      if (mounted) {
+      } else if (status == 'underpaid') {
         unawaited(
           showFloatingFlushBar(
             type: FlushBarType.warning,
-            message: e.toString(),
+            message: "Underpaid. Remaining: ${resp.value!.due ?? '?'} EUR.",
+            context: context,
+          ),
+        );
+      } else {
+        unawaited(
+          showFloatingFlushBar(
+            type: FlushBarType.info,
+            message: "No payment detected yet.",
             context: context,
           ),
         );
       }
-    } finally {
-      if (mounted) {
-        setState(() => _loading = false);
-        if (!_isTerminal) {
-          _startPolling();
-        }
-      }
+    } else {
+      unawaited(
+        showFloatingFlushBar(
+          type: FlushBarType.warning,
+          message: resp?.exception?.message ?? "Failed to check payment.",
+          context: context,
+        ),
+      );
+    }
+
+    if (!_isTerminal) {
+      _startPolling();
     }
   }
 
@@ -634,12 +594,7 @@ class _ShopInBitPaymentViewState extends ConsumerState<ShopInBitPaymentView> {
                   horizontal: 32,
                   vertical: 8,
                 ),
-                child: Stack(
-                  children: [
-                    SingleChildScrollView(child: content),
-                    if (_loading) const LoadingIndicator(width: 24, height: 24),
-                  ],
-                ),
+                child: SingleChildScrollView(child: content),
               ),
             ),
           ],
@@ -649,7 +604,6 @@ class _ShopInBitPaymentViewState extends ConsumerState<ShopInBitPaymentView> {
 
     return ShopInBitPaymentMobileScaffold(
       onBack: _popToTickets,
-      showLoading: _loading,
       child: content,
     );
   }
diff --git a/lib/pages/shopinbit/shopinbit_shipping_view.dart b/lib/pages/shopinbit/shopinbit_shipping_view.dart
index 597656f..4dc567d 100644
--- a/lib/pages/shopinbit/shopinbit_shipping_view.dart
+++ b/lib/pages/shopinbit/shopinbit_shipping_view.dart
@@ -8,6 +8,7 @@ import 'package:flutter_svg/svg.dart';
 import '../../models/shopinbit/shopinbit_order_model.dart';
 import '../../providers/global/shopin_bit_service_provider.dart';
 import '../../services/shopinbit/src/models/address.dart';
+import '../../services/shopinbit/src/models/payment.dart';
 import '../../themes/stack_colors.dart';
 import '../../utilities/assets.dart';
 import '../../utilities/constants.dart';
@@ -19,6 +20,7 @@ import '../../widgets/desktop/desktop_dialog_close_button.dart';
 import '../../widgets/desktop/primary_button.dart';
 import '../../widgets/dialogs/s_dialog.dart';
 import '../../widgets/textfields/adaptive_text_field.dart';
+import 'shopinbit_payment_shared.dart';
 import 'shopinbit_payment_view.dart';
 
 class ShopInBitShippingView extends ConsumerStatefulWidget {
@@ -186,6 +188,10 @@ class _ShopInBitShippingViewState extends ConsumerState<ShopInBitShippingView> {
       country: country,
     );
 
+    // Pre-load the payment info before pushing the payment view so it renders
+    // populated immediately. The Continue button's spinner (_submitting)
+    // already covers this wait.
+    PaymentInfo? paymentInfo;
     if (widget.model.apiTicketId != 0) {
       setState(() => _submitting = true);
       try {
@@ -232,6 +238,11 @@ class _ShopInBitShippingViewState extends ConsumerState<ShopInBitShippingView> {
           // Sandbox may fail here; continue anyway.
           debugPrint("submitAddress failed: ${resp.exception?.message}");
         }
+
+        paymentInfo = await fetchShopInBitPaymentInfo(
+          ref,
+          widget.model.apiTicketId,
+        );
       } catch (e) {
         debugPrint("submitAddress threw: $e");
       } finally {
@@ -242,9 +253,10 @@ class _ShopInBitShippingViewState extends ConsumerState<ShopInBitShippingView> {
     if (!mounted) return;
 
     unawaited(
-      Navigator.of(
-        context,
-      ).pushNamed(ShopInBitPaymentView.routeName, arguments: widget.model),
+      Navigator.of(context).pushNamed(
+        ShopInBitPaymentView.routeName,
+        arguments: (widget.model, paymentInfo),
+      ),
     );
   }
 
diff --git a/lib/route_generator.dart b/lib/route_generator.dart
index 2a42a8a..df03fd5 100644
--- a/lib/route_generator.dart
+++ b/lib/route_generator.dart
@@ -262,6 +262,7 @@ import 'services/cakepay/src/models/order.dart';
 import 'services/event_bus/events/global/node_connection_status_changed_event.dart';
 import 'services/event_bus/events/global/wallet_sync_status_changed_event.dart';
 import 'services/shopinbit/src/models/car_research.dart';
+import 'services/shopinbit/src/models/payment.dart';
 import 'utilities/amount/amount.dart';
 import 'utilities/enums/add_wallet_type_enum.dart';
 import 'wallets/crypto_currency/crypto_currency.dart';
@@ -1258,10 +1259,13 @@ class RouteGenerator {
         return _routeError("${settings.name} invalid args: ${args.toString()}");
 
       case ShopInBitPaymentView.routeName:
-        if (args is ShopInBitOrderModel) {
+        if (args is (ShopInBitOrderModel, PaymentInfo?)) {
           return getRoute(
             shouldUseMaterialRoute: useMaterialPageRoute,
-            builder: (_) => ShopInBitPaymentView(model: args),
+            builder: (_) => ShopInBitPaymentView(
+              model: args.$1,
+              initialPaymentInfo: args.$2,
+            ),
             settings: RouteSettings(name: settings.name),
           );
         }
diff --git a/lib/widgets/dialogs/nested_navigator_dialog/nested_navigator_dialog_route_generator.dart b/lib/widgets/dialogs/nested_navigator_dialog/nested_navigator_dialog_route_generator.dart
index f625a63..e5561b4 100644
--- a/lib/widgets/dialogs/nested_navigator_dialog/nested_navigator_dialog_route_generator.dart
+++ b/lib/widgets/dialogs/nested_navigator_dialog/nested_navigator_dialog_route_generator.dart
@@ -196,16 +196,19 @@ abstract final class NestedNavigatorDialogRouteGenerator {
         );
 
       case ShopInBitPaymentView.routeName:
-        if (args is ShopInBitOrderModel) {
+        if (args is (ShopInBitOrderModel, PaymentInfo?)) {
           return getRoute(
-            builder: (_) => ShopInBitPaymentView(model: args),
+            builder: (_) => ShopInBitPaymentView(
+              model: args.$1,
+              initialPaymentInfo: args.$2,
+            ),
             settings: RouteSettings(name: settings.name),
           );
         }
         return _routeError(
           "${settings.name} invalid args\n"
           "Got ${args.runtimeType}\n"
-          "Expected ShopInBitOrderModel",
+          "Expected (ShopInBitOrderModel, PaymentInfo?)",
         );
 
       case CakePayVendorsView.routeName: