feat: disable payment method select when no payment methods configured

- Add userSettings prop to LocationEditForm to check payment configuration
- Disable payment method dropdown when neither IBAN nor Revolut is enabled
- Force select value to "none" when both methods are disabled
- Disable individual IBAN/Revolut options when not configured
- Display NoteBox warning explaining why payment options are unavailable
- Update LocationEditPage and LocationAddPage to fetch and pass userSettings
- Add English and Croatian translations for disabled state message

This prevents users from configuring location payment methods before setting up their own payment info.

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

app/[locale]/location/[id]/add/LocationAddPage.tsx

@@ -1,6 +1,8 @@
 import { LocationEditForm } from '@/app/ui/LocationEditForm';
 import { YearMonth } from '@/app/lib/db-types';
+import { getUserSettings } from '@/app/lib/actions/userSettingsActions';
 
 export default async function LocationAddPage({ yearMonth }: { yearMonth:YearMonth }) {
-    return (<LocationEditForm yearMonth={yearMonth} />);
+    const userSettings = await getUserSettings();
+    return (<LocationEditForm yearMonth={yearMonth} userSettings={userSettings} />);
 }

app/[locale]/location/[id]/edit/LocationEditPage.tsx

@@ -1,6 +1,7 @@
 import { notFound } from 'next/navigation';
 import { LocationEditForm } from '@/app/ui/LocationEditForm';
 import { fetchLocationById } from '@/app/lib/actions/locationActions';
+import { getUserSettings } from '@/app/lib/actions/userSettingsActions';
 
 export default async function LocationEditPage({ locationId }: { locationId:string }) {
 
@@ -10,7 +11,9 @@ export default async function LocationEditPage({ locationId }: { locationId:stri
         return(notFound());
     }
 
-    const result = <LocationEditForm location={location} />;
-    
+    const userSettings = await getUserSettings();
+
+    const result = <LocationEditForm location={location} userSettings={userSettings} />;
+
     return (result);
 }

app/ui/LocationEditForm.tsx

@@ -2,26 +2,31 @@
 
 import { TrashIcon } from "@heroicons/react/24/outline";
 import { FC, useState } from "react";
-import { BillingLocation, YearMonth } from "../lib/db-types";
+import { BillingLocation, UserSettings, YearMonth } from "../lib/db-types";
 import { updateOrAddLocation } from "../lib/actions/locationActions";
 import { useFormState } from "react-dom";
 import Link from "next/link";
 import { useLocale, useTranslations } from "next-intl";
 import { InfoBox } from "./InfoBox";
+import { NoteBox } from "./NoteBox";
 
 export type LocationEditFormProps = {
     /** location which should be edited */
     location: BillingLocation,
     /** year adn month at a new billing location should be assigned */
-    yearMonth?: undefined
+    yearMonth?: undefined,
+    /** user settings for payment configuration */
+    userSettings: UserSettings | null
 } | {
     /** location which should be edited */
     location?: undefined,
     /** year adn month at a new billing location should be assigned */
-    yearMonth: YearMonth
+    yearMonth: YearMonth,
+    /** user settings for payment configuration */
+    userSettings: UserSettings | null
 }
 
-export const LocationEditForm: FC<LocationEditFormProps> = ({ location, yearMonth }) => {
+export const LocationEditForm: FC<LocationEditFormProps> = ({ location, yearMonth, userSettings }) => {
     const initialState = { message: null, errors: {} };
     
     const handleAction = updateOrAddLocation.bind(null, location?._id, location?.yearMonth ?? yearMonth);
@@ -83,17 +88,28 @@ export const LocationEditForm: FC<LocationEditFormProps> = ({ location, yearMont
 
                     <fieldset className="fieldset bg-base-200 border-base-300 rounded-box w-xs border p-4 pb-2 mt-4">
                         <legend className="fieldset-legend font-semibold uppercase">{t("tenant-payment-instructions-legend")}</legend>
-                        
+
                         <InfoBox className="p-1 pt-0 mb-1">{t("tenant-payment-instructions-code-info")}</InfoBox>
 
                         <fieldset className="fieldset mt-2 p-2">
                             <legend className="fieldset-legend">{t("tenant-payment-instructions-method--legend")}</legend>
-                            <select defaultValue={formValues.tenantPaymentMethod} className="select input-bordered w-full" name="tenantPaymentMethod" onChange={(e) => handleInputChange("tenantPaymentMethod", e.target.value)}>
+                            <select
+                                value={(!userSettings?.enableIbanPayment && !userSettings?.enableRevolutPayment) ? "none" : formValues.tenantPaymentMethod}
+                                className="select input-bordered w-full"
+                                name="tenantPaymentMethod"
+                                onChange={(e) => handleInputChange("tenantPaymentMethod", e.target.value)}
+                                disabled={!userSettings?.enableIbanPayment && !userSettings?.enableRevolutPayment}
+                            >
                                 <option value="none">{t("tenant-payment-instructions-method--none")}</option>
-                                <option value="iban">{t("tenant-payment-instructions-method--iban")}</option>
-                                <option value="revolut">{t("tenant-payment-instructions-method--revolut")}</option>
+                                <option value="iban" disabled={!userSettings?.enableIbanPayment}>{t("tenant-payment-instructions-method--iban")}</option>
+                                <option value="revolut" disabled={!userSettings?.enableRevolutPayment}>{t("tenant-payment-instructions-method--revolut")}</option>
                             </select>
                         </fieldset>
+                        {
+                            !userSettings?.enableIbanPayment && !userSettings?.enableRevolutPayment && (
+                                <NoteBox className="p-1 mt-2">{t("tenant-payment-instructions-method--disabled-message")}</NoteBox>
+                            )
+                        }
 
                         { formValues.tenantPaymentMethod === "iban" ? (
                             <>