refactor: update builder constructor arguments

[alexbarnsley]

Summary

https://app.clickup.com/t/86dvzxc3j

Changes the Transaction Type & Builder constructors so that the data argument is required. The new method (for builders) has been adjusted so that it can be used to declare an empty builder instance.

Also removed the payload argument for Types

Checklist

• Documentation (if necessary)
• Tests (if necessary)
• Ready to be merged