[BUG] Pro → Max upgrade fails silently — no bank notification, PaymentIntent voided before bank is contacted

Preflight Checklist

• [x] I have searched existing issues and this hasn't been reported yet
• [x] This is a single bug report (please file separate reports for different bugs)
• [x] I am using the latest version of Claude Code

What's Wrong?

What's Wrong?
Attempting to upgrade from Claude Pro ($20/month) to Claude Max plan fails at every attempt. Unlike a normal card decline, the payment app receives zero notification — meaning the transaction request never reaches the bank at all. This confirms the issue is on Anthropic's backend, not the card or bank.

Steps to Reproduce

1. Log into claude.ai with an active Pro subscription
2. Go to Settings → Billing
3. Click Upgrade and select Max plan
4. Enter card details and submit payment
5. Payment fails — no bank notification received, no OTP/3DS prompt

Expected Behavior
Payment is processed and subscription upgrades to Max.

Actual Behavior
Payment fails silently. The bank app receives no transaction notification whatsoever, confirming the PaymentIntent is being voided before it even reaches the bank. This is consistent with the void_invoice / payment_intent_unexpected_state bug reported in #55982, #59027, #55266, and #55917.

What I've Ruled Out

• Card is valid and working — same card successfully charges Claude Pro every month
• Daily transaction limit is sufficient — limit has been increased and confirmed
• Bank is not blocking — zero notification means bank was never contacted
• Not a network or browser issue

Environment

• Current Plan: Claude Pro
• Attempting to upgrade to: Claude Max
• Region: Pakistan
• Payment method: Debit/Credit card

Additional Context
This appears to be the same server-side bug affecting multiple users where the upgrade invoice is voided prematurely before the client-side confirmation completes. Please investigate the subscription state machine for the Pro → Max upgrade flow.

What Should Happen?

What's Wrong?
Attempting to upgrade from Claude Pro ($20/month) to Claude Max plan fails at every attempt. Unlike a normal card decline, the payment app receives zero notification — meaning the transaction request never reaches the bank at all. This confirms the issue is on Anthropic's backend, not the card or bank.

Steps to Reproduce

1. Log into claude.ai with an active Pro subscription
2. Go to Settings → Billing
3. Click Upgrade and select Max plan
4. Enter card details and submit payment
5. Payment fails — no bank notification received, no OTP/3DS prompt

Expected Behavior
Payment is processed and subscription upgrades to Max.

Actual Behavior
Payment fails silently. The bank app receives no transaction notification whatsoever, confirming the PaymentIntent is being voided before it even reaches the bank. This is consistent with the void_invoice / payment_intent_unexpected_state bug reported in #55982, #59027, #55266, and #55917.

What I've Ruled Out

• Card is valid and working — same card successfully charges Claude Pro every month
• Daily transaction limit is sufficient — limit has been increased and confirmed
• Bank is not blocking — zero notification means bank was never contacted
• Not a network or browser issue

Environment

• Current Plan: Claude Pro
• Attempting to upgrade to: Claude Max
• Region: Pakistan
• Payment method: Debit/Credit card

Additional Context
This appears to be the same server-side bug affecting multiple users where the upgrade invoice is voided prematurely before the client-side confirmation completes. Please investigate the subscription state machine for the Pro → Max upgrade flow.

Error Messages/Logs

Steps to Reproduce

1. Log into claude.ai with an active Pro subscription
2. Go to Settings → Billing
3. Click Upgrade and select Max plan
4. Enter card details and submit
5. Payment fails with no error from bank — zero notification received in payment app, no OTP or 3DS prompt triggered

Claude Model

None

Is this a regression?

Yes, this worked in a previous version

Last Working Version

_No response_

Claude Code Version

12:30 PMClaude responded: I'm Claude Sonnet 4.I'm Claude Sonnet 4.6, part of Anthropic's Claude 4.6 family.

Platform

Anthropic API

Operating System

macOS

Terminal/Shell

Terminal.app (macOS)

Additional Information

_No response_