fix(billing): stop reporting "processing" while a payment waits on the customer

src/components/toast/GlobalToast.vue

@@ -3,7 +3,18 @@
   <Toast group="billing-operation" position="top-right">
     <template #message="slotProps">
       <div class="flex items-center gap-2">
-        <i class="pi pi-spin pi-spinner text-primary" />
+        <!-- A spinner claims work is underway; an operation waiting on the
+             customer is not underway, so it gets a prompt icon instead. -->
+        <i
+          v-if="slotProps.message.severity === 'warn'"
+          class="pi pi-exclamation-circle text-warning-background"
+          aria-hidden="true"
+        />
+        <i
+          v-else
+          class="pi pi-spin pi-spinner text-primary"
+          aria-hidden="true"
+        />
         <span>{{ slotProps.message.summary }}</span>
       </div>
     </template>

src/locales/en/main.json

@@ -2695,11 +2695,13 @@
   },
   "billingOperation": {
     "subscriptionProcessing": "Processing payment — setting up your workspace...",
+    "subscriptionActionRequired": "Verify your payment to finish setting up your workspace",
     "subscriptionSuccess": "Subscription updated successfully",
     "subscriptionFailed": "Subscription update failed",
     "subscriptionFailedDetail": "We couldn't update your subscription. Please try again.",
     "subscriptionTimeout": "Subscription verification timed out",
     "topupProcessing": "Processing payment — adding credits...",
+    "topupActionRequired": "Verify your payment to add your credits",
     "topupSuccess": "Credits added successfully",
     "topupFailed": "Top-up failed",
     "topupTimeout": "Top-up verification timed out",

src/platform/workspace/stores/billingOperationStore.test.ts

@@ -698,6 +698,124 @@ describe('billingOperationStore', () => {
       )
     })
 
+    it('replaces the processing toast when the operation parks on a bank challenge', async () => {
+      vi.mocked(workspaceApi.getBillingOpStatus).mockResolvedValue({
+        id: 'op-1',
+        status: 'pending',
+        started_at: new Date().toISOString(),
+        action_url: 'https://verify.example/sensitive-token'
+      })
+
+      const store = useBillingOperationStore()
+      void store.startOperation('op-1', 'subscription')
+
+      const processingToast = {
+        severity: 'info',
+        summary: 'billingOperation.subscriptionProcessing',
+        group: 'billing-operation'
+      }
+      expect(mockToastAdd).toHaveBeenCalledWith(processingToast)
+
+      await vi.advanceTimersByTimeAsync(0)
+
+      expect(mockToastRemove).toHaveBeenCalledWith(processingToast)
+      expect(mockToastAdd).toHaveBeenCalledWith({
+        severity: 'warn',
+        summary: 'billingOperation.subscriptionActionRequired',
+        group: 'billing-operation'
+      })
+    })
+
+    it('announces verification immediately when the action URL is known at start', () => {
+      vi.mocked(workspaceApi.getBillingOpStatus).mockResolvedValue({
+        id: 'op-1',
+        status: 'pending',
+        started_at: new Date().toISOString()
+      })
+
+      const store = useBillingOperationStore()
+      void store.startOperation(
+        'op-1',
+        'topup',
+        undefined,
+        'https://verify.example/sensitive-token'
+      )
+
+      expect(mockToastAdd).toHaveBeenCalledWith({
+        severity: 'warn',
+        summary: 'billingOperation.topupActionRequired',
+        group: 'billing-operation'
+      })
+      expect(mockToastAdd).not.toHaveBeenCalledWith(
+        expect.objectContaining({
+          summary: 'billingOperation.topupProcessing'
+        })
+      )
+    })
+
+    it('returns to processing when the action URL clears while still pending', async () => {
+      vi.mocked(workspaceApi.getBillingOpStatus)
+        .mockResolvedValueOnce({
+          id: 'op-1',
+          status: 'pending',
+          started_at: new Date().toISOString(),
+          action_url: 'https://verify.example/sensitive-token'
+        })
+        .mockResolvedValue({
+          id: 'op-1',
+          status: 'pending',
+          started_at: new Date().toISOString()
+        })
+
+      const store = useBillingOperationStore()
+      void store.startOperation('op-1', 'subscription')
+      await vi.advanceTimersByTimeAsync(0)
+
+      const actionRequiredToast = {
+        severity: 'warn',
+        summary: 'billingOperation.subscriptionActionRequired',
+        group: 'billing-operation'
+      }
+      expect(mockToastAdd).toHaveBeenCalledWith(actionRequiredToast)
+
+      // The verification action is gone, so the prompt pointing at it must go
+      // too rather than asking for something the customer can no longer do.
+      await vi.advanceTimersByTimeAsync(30_000)
+
+      expect(mockToastRemove).toHaveBeenCalledWith(actionRequiredToast)
+      expect(mockToastAdd).toHaveBeenLastCalledWith({
+        severity: 'info',
+        summary: 'billingOperation.subscriptionProcessing',
+        group: 'billing-operation'
+      })
+    })
+
+    it('does not re-announce verification on later polls', async () => {
+      vi.mocked(workspaceApi.getBillingOpStatus).mockResolvedValue({
+        id: 'op-1',
+        status: 'pending',
+        started_at: new Date().toISOString(),
+        action_url: 'https://verify.example/sensitive-token'
+      })
+
+      const store = useBillingOperationStore()
+      void store.startOperation('op-1', 'subscription')
+      await vi.advanceTimersByTimeAsync(0)
+
+      const actionRequiredAdds = () =>
+        mockToastAdd.mock.calls.filter(
+          (call) =>
+            call[0]?.summary === 'billingOperation.subscriptionActionRequired'
+        ).length
+
+      expect(actionRequiredAdds()).toBe(1)
+
+      await vi.advanceTimersByTimeAsync(30_000)
+      await vi.advanceTimersByTimeAsync(30_000)
+
+      expect(actionRequiredAdds()).toBe(1)
+    })
+
     it('rejects an action URL received after the discovery deadline', async () => {
       const actionUrl = 'https://verify.example/sensitive-token'
       let resolveStatus!: (response: BillingOpStatusResponse) => void

src/platform/workspace/stores/billingOperationStore.ts

@@ -118,6 +118,37 @@ export const useBillingOperationStore = defineStore('billingOperation', () => {
     return operations.value.get(opId)
   }
 
+  // An operation parked on a bank challenge is waiting on the customer, not on
+  // us, so it must not keep announcing "processing" — that reads as "nothing to
+  // do here" next to the verification prompt the same state renders.
+  function showProgressToast(
+    opId: string,
+    type: Exclude<OperationType, 'cancel'>,
+    actionRequired: boolean
+  ) {
+    const toastStore = useToastStore()
+    const previous = receivedToasts.get(opId)
+    if (previous) toastStore.remove(previous)
+
+    const messageKey =
+      type === 'subscription'
+        ? actionRequired
+          ? 'billingOperation.subscriptionActionRequired'
+          : 'billingOperation.subscriptionProcessing'
+        : actionRequired
+          ? 'billingOperation.topupActionRequired'
+          : 'billingOperation.topupProcessing'
+
+    const toastMessage: ToastMessageOptions = {
+      // 'warn' selects the prompt icon over the spinner in GlobalToast.
+      severity: actionRequired ? 'warn' : 'info',
+      summary: t(messageKey),
+      group: 'billing-operation'
+    }
+    receivedToasts.set(opId, toastMessage)
+    toastStore.add(toastMessage)
+  }
+
   function startOperation(
     opId: string,
     type: OperationType,
@@ -151,18 +182,7 @@ export const useBillingOperationStore = defineStore('billingOperation', () => {
     intervals.set(opId, INITIAL_INTERVAL_MS)
 
     if (type !== 'cancel') {
-      const messageKey =
-        type === 'subscription'
-          ? 'billingOperation.subscriptionProcessing'
-          : 'billingOperation.topupProcessing'
-
-      const toastMessage: ToastMessageOptions = {
-        severity: 'info',
-        summary: t(messageKey),
-        group: 'billing-operation'
-      }
-      receivedToasts.set(opId, toastMessage)
-      useToastStore().add(toastMessage)
+      showProgressToast(opId, type, operation.actionUrl !== null)
     }
 
     const terminal = new Promise<BillingOperation>((resolve) => {
@@ -268,6 +288,15 @@ export const useBillingOperationStore = defineStore('billingOperation', () => {
       authenticationRequiredSeen:
         operation.authenticationRequiredSeen || actionUrl !== null
     })
+    // Tracks the CURRENT action_url, which the contract defines as present
+    // exactly while the operation cannot proceed without the customer — so the
+    // toast never outlives the verification action it points at. Swapped only
+    // when that answer changes, or a dismissed toast would return every poll.
+    const wasActionRequired = operation.actionUrl !== null
+    const isActionRequired = actionUrl !== null
+    if (operation.type !== 'cancel' && wasActionRequired !== isActionRequired) {
+      showProgressToast(opId, operation.type, isActionRequired)
+    }
   }
 
   async function handleSuccess(opId: string) {