feat: simplify test matrix

[saralvasquez]

Summary of changes

AI Usage

Which AI Agent Was Used?

• Copilot
• Claude
• Other (Type Name Here)

How was AI used?

Estimated AI Code Contribution

• less than 30%
• 30 - 60%
• 60 - 100%

Checklist

• Added a changelog entry
• Tested and confirmed payment flows affected by this change are functioning as expected

Authors

List GitHub usernames for everyone who contributed to this pull request.

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Inner Source Checklist

• Added all labels to the PR
• Provide steps to test the flows changed, if applicable in the summary
• Demo video of the functionality, if applicable
• All upstream dependencies are merged in and this PR can be released at any time; PRs should not be opened until this is true
• Unit tests and builds have been run locally and pass/compile as expected

[github-actions]

Dependency Review

✅ No vulnerabilities found.

Scanned Files

None