[Bug] Payment Intent Failure: Card Declines Without Bank Processing

Bug Description
there's a payment intent issue that prevents me from upgrading to max 20x, declines all my cards, its not a card issue, payment didnt even reach bank

Environment Info

• Platform: darwin
• Terminal: WarpTerminal
• Version: 2.1.140
• Feedback ID: b769d40b-9298-43cc-966d-b783dede147b

Errors

[{"error":"Error: NON-FATAL: Lock acquisition failed for /Users/bilal/.local/share/claude/versions/2.1.140 (expected in multi-process scenarios)\n    at g16 (/$bunfs/root/src/entrypoints/cli.js:2672:2257)\n    at RLH (/$bunfs/root/src/entrypoints/cli.js:2672:1337)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-05-13T21:24:48.696Z"}]