[IMP] account: Change memo to PAY/XXXX #4796
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When you create a payment in group in V18+,
we generate a new payment memo using a BATCH/XXX prefix. It can be confusing as we have a Batch Payment feature, but it has nothing to do with it.
This commit aims to replace "BATCH/YYYY/XXXX" by "PAY/YYYY/XXXX".
Task: 4908895