fix(billing): a user can add payment while upgrading their plan #4531

Job	Run time
Build / Build	2m 23s
Test Agent Local / test_agent_local	2m 22s
Test API / API Test Local	2m 23s
Test Packages / Test ./internal/billing	1m 59s
Test Packages / Test ./internal/encryption	1m 45s
Test Packages / Test ./internal/hash	2m 9s
Test Packages / Test ./internal/id	1m 48s
Test Packages / Test ./internal/keys	1m 59s
Test Packages / Test ./internal/resend	1m 42s
Test Packages / Test ./packages/api	2m 5s
Test Packages / Test ./packages/cache	2m 7s
Test Packages / Test ./packages/hono	1m 53s
Test Packages / Test ./packages/nextjs	1m 50s
Test Packages / Test ./packages/rbac	1m 50s
	28m 15s

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