WCPay Subscriptions renewals failed to renew paid with India-issued credit card

[shendy-a8c]

Describe the bug

When purchasing WCPay Subscriptions product with India-issued credit card, renewals will fail to renew. I think this is because we haven't handled webhook event from Stripe that pass the mandate.

Example: https://dashboard.stripe.com/test/connect/accounts/acct_1MEEzXCMtaqOTQoE/subscriptions/sub_1MF3tqCMtaqOTQoEGSIYdqyx

To Reproduce

1. Make sure WooCommerce Subscriptions is disabled.
2. Create a WCPay Subscriptions product that renew daily and price > ₹15k.
3. Set currency to INR at wp-admin > WooCommerce > Settings > Multi-currency.
4. View the product in INR by appending ?currency=INR at product page or shop page.
5. Purchase that WCPay Subscription product with 4000003560000123.
6. Wait for 1 day.

Test with this card (not yet up on Stripe's docs, taken from p1667867044371529/1666705950.654039-slack-C9976E5MJ) and product price:

• 4000003560000123, < ₹15k. This card simulates a mandate setup. Renewals should be successful.
• 4000003560000297, any price. This card simulates customer receives predebit notif but cancel the mandate. Renewal should expectedly fail. Subscription should be on-hold.
• 4000003560000248, any price. This card simulates issuing bank fails to send predebit notif. Renewal should expectedly fail. Subscription should be on-hold.
• 4000003560000263, any price. This card simulates a mandate cancelled by user. Renewal should expectedly fail.

Actual behavior

Renewal will fail.

Expected behavior

Renewal should work.

Additional context

https://github.com/Automattic/woocommerce-payments/pull/3011 is the related PR that fixes the problem for WooCommerce Subscriptions product

[shendy-a8c]

@haszari This issue needs triaging.

[haszari]

Marking as low priority for now, on the assumption that there are very few merchants affected:

• WCPay Subscriptions is US-only (though can be used with multicurrency)
• Multi-currency enabled and INR enabled
• Subscribers/customers paying in INR

We should fix this, especially if/when we roll out WCPay Subscriptions more widely. If we get reports from merchants affected we can also raise the priority.

[jessy-p]

@Automattic/helix

[pierorocca]

Noting that I removed the multi-currency label since the issue isn't related to multi-currency, only that changing the currency to INR allows the mandate issue on subscriptions, US only, to be exposed.