feat: show DueInvoiceBanner to all team/org members when invoiceUrl is mailto

[sean-brydon]

What does this PR do?

When a team/org dunning record has a mailto: link as its invoiceUrl (i.e. not a Stripe payment URL), the DueInvoiceBanner is now shown to every member of that team/org — not just users with billing permission.

Previously: Only ADMIN/OWNER users with manageBilling permission saw the due invoice banner.

Now: The existing behavior is preserved for Stripe invoice URLs. Additionally, for mailto: invoice URLs, all accepted team/org members will also see the banner so they are aware of the outstanding invoice.

Implementation

In DueInvoiceService.getBannerDataForUser:

1. Fetches billing-permitted teams (existing behavior, unchanged)
2. New: Also fetches all teams the user is a member of
3. For teams where the user does NOT have billing permission, queries for overdue prorations where invoiceUrl starts with mailto:
4. Merges and deduplicates results

Also migrated the proration queries from include to select per project conventions.

Important Review Points

• The findAllMemberTeamIds helper intentionally queries ALL memberships (no role filter) — this is needed so regular MEMBER-role users see the mailto banners
• The early return if (teamsWithBillingPermission.length === 0) return [] was removed so users with no billing permission can still see mailto-based banners
• The invoiceUrl: { startsWith: "mailto:" } Prisma filter is the gating mechanism that limits which prorations non-billing members can see

Mandatory Tasks (DO NOT REMOVE)

• I have self-reviewed the code (A decent size PR without self-review might be rejected).
• I have updated the developer docs in /docs if this PR makes changes that would require a documentation change. N/A
• I confirm automated tests are in place that prove my fix is effective or that my feature works.

How should this be tested?

1. Create a team/org with a MonthlyProration record that has status: "INVOICE_CREATED" and invoiceUrl set to a mailto: link (e.g. mailto:billing@org.com)
2. Log in as a regular MEMBER of that team (not ADMIN/OWNER)
3. Verify the due invoice banner appears at the top of the page
4. Verify the "Pay now" link opens the mailto URL
5. Verify that for teams with a regular Stripe invoiceUrl, non-billing members still do NOT see the banner (existing behavior preserved)

Checklist

• My code follows the style guidelines of this project
• I have commented my code, particularly in hard-to-understand areas
• My changes generate no new warnings

Link to Devin session: https://app.devin.ai/sessions/b745fa9d22fc439ab38bade8514d4af8
Requested by: @sean-brydon

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