cloud-api: dunning email copy claims cancellation at the next retry date (false) #133

Report

Member hola@alexmegah.com (inference, $65 USD) reported on 2026-09-30: renewal failed Sep 21, a dunning email promised a retry date; the Sep 28 smart retry failed too and a second identical email granted another 'grace period'. The member (in good faith) concluded the system was repeatedly granting grace periods it should only grant once.

Root cause

The email copy is false, not the flow. SendPaymentFailedNotice (internal/email/resend.go) said: 'Si para esa fecha sigue sin poder cobrar, la suscripción se cancelará' — but Stripe Smart Retries keep retrying after that date (up to ~4 attempts over ~14 days, one email per failed attempt per handleInvoicePaymentFailed). Key stays active during past_due by design (revocation only on subscription cancellation → 7-day grace).

Fix

State the real behaviour: retries continue for the next few days, the subscription stays active while retries are pending, cancellation only when retries are exhausted. Pin with tests.

Verification

• Stripe timeline: charges failed 2026-09-21 23:13 UTC and 2026-09-28 20:13 UTC; next attempt 2026-10-05 20:13 UTC; sub past_due, not cancelled; member DB state subscribed (correct).