Implement YooKassa autopayments feature toggle across payment and subscription handlers

- Introduced a global setting for enabling or disabling YooKassa autopayments, allowing for better control over payment method management and subscription renewals.
- Updated various handlers to check the autopayments setting before executing payment-related logic, ensuring that features are only available when enabled.
- Enhanced error handling to notify users when autopayments are disabled, improving user experience and clarity in payment operations.
- Refactored receipt generation logic to derive fields based on the autopayments setting, streamlining configuration management.

bot/handlers/user/payment.py

@@ -138,7 +138,7 @@ async def process_successful_payment(session: AsyncSession, bot: Bot,
         # Try to capture and save payment method for future charges if available
         try:
             payment_method = payment_info_from_webhook.get("payment_method")
-            if isinstance(payment_method, dict) and payment_method.get("saved", False):
+            if getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False) and isinstance(payment_method, dict) and payment_method.get("saved", False):
                 pm_id = payment_method.get("id")
                 pm_type = payment_method.get("type")
                 title = payment_method.get("title")
@@ -484,7 +484,7 @@ async def yookassa_webhook_route(request: web.Request):
                     elif notification_object.event == YOOKASSA_EVENT_PAYMENT_WAITING_FOR_CAPTURE:
                         # Bind-only flow: save method and cancel auth if metadata has bind_only
                         metadata = payment_dict_for_processing.get("metadata", {}) or {}
-                        if metadata.get("bind_only") == "1":
+                        if getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False) and metadata.get("bind_only") == "1":
                             try:
                                 user_id_str = metadata.get("user_id")
                                 if user_id_str and user_id_str.isdigit():