Payments contract should compile without `via-ir` being set to true in foundry.toml

See ` foundry.toml`. The `--via-ir` flag is set to true. This delays compilation times. Ideally, we should refactor the functions with a large call stack so that we do not need to set ``--via-ir` in `foundry.toml`.

Success criteria: `forge build` and `forge test` should work without ``--via-ir` being set to true in `foundry.toml`.

Start with foundry.toml and run forge build and forge test with via-ir disabled to identify the functions responsible for the large call stack. Refactor the affected payments-contract functions until both commands succeed without via-ir=true in foundry.toml.

Written by the indexing model from the issue text.