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/services/subscription_service.py

@@ -789,6 +789,9 @@ class SubscriptionService:
         """Attempt to charge user using saved payment method. Return True on initiated/handled, False on failure."""
         if not sub.auto_renew_enabled:
             return True
+        # If autopayments are disabled globally, skip charging attempts
+        if not getattr(self.settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False):
+            return True
         if sub.provider == "tribute":
             # Tribute is paid externally; we do not auto-charge here
             return True