API Timeout displays error template

Currently if API times out during checkout, we display the error template (along with the API timeout error msg)
This is unclear to both merchant and end user. Such case, we should:
1. Provide better user feedback during timeouts
2. Automatically retry failed requests

<img width="1399" alt="Image" src="https://github.com/user-attachments/assets/8a2f779e-bb1f-48cb-9724-0fcc6eaae556" />