fix(BUX-497): update to go-paymail 12.1

[chris-4chain]

Pull Request Checklist

• [x] 📖 I created my PR using provided : CODE_STANDARDS
• [x] 📖 I have read the short Code of Conduct: CODE_OF_CONDUCT
• [x] 🏠 I tested my changes locally.
• [x] ✅ I have provided tests for my changes.
• [x] 📝 I have used conventional commits.
• [ ] 📗 I have updated any related documentation.
• [ ] 💾 PR was issued based on the Github or Jira issue.

[mergify[bot]]

Welcome to our open-source project @chris-4chain! 💘

[codecov[bot]]

Codecov Report

All modified and coverable lines are covered by tests :white_check_mark:

Comparison is base (c108973) 53.28% compared to head (ac741b5) 53.28%.

Additional details and impacted files

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