Ruby 4.0.7, Pay 12, and Receipts 3

We've upgraded to Ruby 4.0.7, Bundler 4.0.21, Pay 12, Receipts 3, and ActsAsTenant 2.

Receipts 3 generates PDFs in pure Ruby without Prawn and includes the Inter font, so you no longer need to configure fonts. Pay 12 wraps Stripe errors in its own error classes. See UPGRADE.md for details.