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Lucas Smith 3887aa67c8 fix: rework stripe webhooks into idempotent subscription sync (#2977)
Replace per-event webhook handlers with a single sync function that
fetches the current state from Stripe and converges the local
subscription, claim, and organisation type.

- Create organisations upfront before checkout, restricted as
  "pending payment" until the first payment syncs
- Add rate-limited subscription sync route, triggered on checkout
  success so the UI doesn't wait on webhooks
- Surface pending payment state in banner, billing table, and limits
2026-06-12 16:01:03 +10:00
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