[Stripe] Dealing with expired credit cards

[filipefurtad0]

What is the need / problem?

A previously saved card will eventually expire (or get stolen, or get damaged). These remain on saved cards list and from there, they can be selected for checkout (which triggers an unclear error message) or remain as the default cards (which will make payments in subscriptions fail).

As before, the user can delete these, from the account (/account#/cards) section.

Which type of users does this problem affect (and how many, if known)?

e.g.
- Shoppers

Potential solutions that will solve the problem?

This might need some additional thought but for now, two ways for handling this issue come to mind:

• implementing Stripe card replacements in the codebase: https://stripe.com/docs/issuing/cards/replacements; not sure how this would look in practice, a daily routine checking for expired cards?
• improve the error message on checkout (see additional context)

Connected wishlist and discovery discussions

Additional context

One consequence is the such a card being the default choice, when checking out, which throws a 422 error and not so clear error message:

Notice that another card is automatically selected.

[filipefurtad0]

This has occurred again in testing, and was discussed here. Additional proposals are:

• automatically delete (or not show) expired cards
• highlighting and an inline error message "card expired"

An analytics issue has been raised here, with the goal of assessing how often does this happen in prod.