[BUG] Pro → Max upgrade fails with "Payment failed" — PaymentIntent voided server-side before checkout completes

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?

Attempting to upgrade from Claude Pro ($23/month) to Claude Max ($100/month) on claude.ai
fails immediately with on click of Subscribe button:

"Payment failed. Please try again later. If the problem persists, contact support at https://support.anthropic.com/"

The error occurs the moment the Subscribe button is clicked — no bank-side decline,
no 3DS/OTP prompt, nothing.

What Should Happen?

Related Issues

Same pattern reported in:

• #57122 (Pro → Max upgrade, payment failed)
• #55982 (PaymentIntent voided with void_invoice within ~42s)
• #55266 (Max 5x → 20x upgrade, same error, India)
• #56281 (Billing system issue, not card/bank issue)

Error Messages/Logs

## Environment

- Browser: Chrome (latest)
- OS: Windows / Android
- Account: claude.ai (not API)
- Current Plan: Pro ($23/month)
- Target Plan: Max ($100/month)

Steps to Reproduce

Diagnostic Info

• Tried: Chrome, Firefox, Incognito mode → same error
• Tried: Mobile app → same error
• Bank confirmed: No decline or block on their end
• Card works fine for other purchases
• Region: India (Uttar Pradesh)

Claude Model

None

Is this a regression?

Yes, this worked in a previous version

Last Working Version

_No response_

Claude Code Version

2.1.76 (Claude Code)

Platform

Anthropic API

Operating System

macOS

Terminal/Shell

Terminal.app (macOS)

Additional Information

_No response_