Clean link on wrong screens

Author: sharabai

src/hooks/useNavigateToCardAuthenticationOnLink/index.tsx

@@ -3,6 +3,7 @@ import {useEffect, useEffectEvent, useRef} from 'react';
 import useOnyx from '@hooks/useOnyx';
 import createDynamicRoute from '@libs/Navigation/helpers/dynamicRoutesUtils/createDynamicRoute';
 import Navigation from '@libs/Navigation/Navigation';
+import {clearPaymentCard3dsVerification} from '@userActions/PaymentMethods';
 import ONYXKEYS from '@src/ONYXKEYS';
 import {DYNAMIC_ROUTES} from '@src/ROUTES';
 
@@ -20,6 +21,12 @@ import {DYNAMIC_ROUTES} from '@src/ROUTES';
  * its own `route.name` to the producing action, which records it in `verify3dsSubscriptionSource`. A
  * mounted hook only reacts to a link when its own focused screen matches that source, so a link can
  * never be consumed by an unrelated screen the user has since navigated to.
+ *
+ * If the focused screen is NOT the link's owner (the user left the flow that started the request
+ * before the link arrived), the link is orphaned — it can never be consumed. The focused hook clears
+ * it so a later identical link from a fresh attempt still registers as a change and can reopen the
+ * challenge. Only the focused screen clears, so an unfocused background instance can't wipe a link the
+ * focused owner is about to consume.
  */
 function useNavigateToCardAuthenticationOnLink() {
     const [authenticationLink] = useOnyx(ONYXKEYS.VERIFY_3DS_SUBSCRIPTION);
@@ -33,7 +40,16 @@ function useNavigateToCardAuthenticationOnLink() {
             firstRenderRef.current = false;
             return;
         }
-        if (!isFocused || route.name !== source || !authenticationLink) {
+        // Only the focused screen acts on a link change. Unfocused mounted instances bail so they can
+        // neither navigate nor clear a link the focused screen may still need to consume.
+        if (!isFocused || !authenticationLink) {
+            return;
+        }
+        if (route.name !== source) {
+            // Focused, but this link belongs to a different screen: the user left the flow that started it
+            // before the link arrived. Drop the orphaned link so a later identical link from a fresh attempt
+            // still registers as a change and can reopen the challenge (mirrors the close-time clear).
+            clearPaymentCard3dsVerification();
             return;
         }
         Navigation.navigate(createDynamicRoute(DYNAMIC_ROUTES.CARD_AUTHENTICATION.path));