MyPayment requests: improve request expiration logic

[Rotheem]

Description

Summary

Compute request expiration using creation date instead of relying on a type column

Additional Notes

Classification

Type of Change

• 🐛 Bug fix (non-breaking change which fixes an issue)
• ✨ New feature (non-breaking change which adds functionality)
• 🔨 Refactor (non-breaking change that neither fixes a bug nor adds a feature)
• 🔧 Infra CI/CD (changes to configs of workflows)
• 💥 BREAKING CHANGE (fix or feature that require a new minimal version of the front-end)
• 😶‍🌫️ No impact for the end-users

Impact & Scope

• Core functionality changes
• Single module changes
• Multiple modules changes
• Database migrations required
• Other: ...

Testing

• 1. Tested this locally
• 2. Added/modified tests that pass the CI (or tested in a downstream fork)
• 3. Tested in a deployed pre-prod
• 0. Untestable (exceptionally), will be tested in prod directly

Documentation

• Updated the docs accordingly :
• " Docstrings
• # Inline comments
• No documentation needed

[codecov]

Codecov Report

❌ Patch coverage is 83.33333% with 1 line in your changes missing coverage. Please review.

Files with missing lines	Patch %	Lines
app/core/mypayment/utils_mypayment.py	0.00%	1 Missing ⚠️

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