I think it should be a red non-dismissable banner saying "You payment of $123.56 on May 1, 2024 was not completed. Please update your payment information or make a manual payment at https://cocalc.com/settings/purchases"
To implement this, we obviously need a way to track initiated payments, with their amount and date, and catch those that have failed.
Why we need this:
automatic payments may fail for one reason or another, including expiration dates or card switches
neither we nor Stripe send emails about it and people may not read their emails anyway (but sending an email in addition to a banner would be great)
users with subscriptions may be our most loyal users - they may be happy to update the info if they were told that it is necessary
As far as implementation goes, I don't think that there is a reliable way of detecting problems based on the balance alone. The account may look like a payment should be made right before the closing date and right after. Right after the closing date and even trying to make a payment it is possible that money are not there because of a long delay in processing rather than failing. Showing angry banners when there is no problem and no action that can be taken can create angry users and nothing else!
I think it should be a red non-dismissable banner saying "You payment of $123.56 on May 1, 2024 was not completed. Please update your payment information or make a manual payment at https://cocalc.com/settings/purchases"
To implement this, we obviously need a way to track initiated payments, with their amount and date, and catch those that have failed.
Why we need this:
As far as implementation goes, I don't think that there is a reliable way of detecting problems based on the balance alone. The account may look like a payment should be made right before the closing date and right after. Right after the closing date and even trying to make a payment it is possible that money are not there because of a long delay in processing rather than failing. Showing angry banners when there is no problem and no action that can be taken can create angry users and nothing else!