fix(payment): harden payment and refund chains

composer.lock

@@ -4,7 +4,7 @@
         "Read more about it at https://getcomposer.org/doc/01-basic-usage.md#installing-dependencies",
         "This file is @generated automatically"
     ],
-    "content-hash": "fe1258c91a142e623f464f5ddaef58f9",
+    "content-hash": "7b529608bb9672db0327c4448e99220a",
     "packages": [
         {
             "name": "guzzlehttp/psr7",
@@ -1002,7 +1002,7 @@
     "prefer-stable": false,
     "prefer-lowest": false,
     "platform": {
-        "php": ">=7.4"
+        "php": ">=8.1"
     },
     "platform-dev": {},
     "plugin-api-version": "2.9.0"