diff --git a/pkg/tui/payment_form.go b/pkg/tui/payment_form.go
index 724876b..a237965 100644
--- a/pkg/tui/payment_form.go
+++ b/pkg/tui/payment_form.go
@@ -355,11 +355,16 @@ func (m Model) RenderCardList() string {
 		boxes = append(boxes, box)
 	}
 
-	sshFocused := m.payment.cardCursor == len(m.SavedCards)
-	sshBox := m.CreateBox(m.formatListItem("+ add card via ssh", sshFocused), sshFocused)
+	// SSH inline card-add is dormant until i have a norwegian org
+	// number wired to stripe, something i dont have since its $300+. Keep the row visible so the option is
+	// discoverable, but render it dimmed and exclude it from cursor space
+	// (handled in PaymentUpdate below) so it can not be picked
+	dim := m.theme.TextDim().Render
+	sshLabel := dim("+ add card via ssh") + "  " + dim("(WIP)")
+	sshBox := m.CreateBox(m.formatListItem(sshLabel, false), false)
 	boxes = append(boxes, sshBox)
 
-	httpsFocused := m.payment.cardCursor == len(m.SavedCards)+1
+	httpsFocused := m.payment.cardCursor == len(m.SavedCards)
 	httpsBox := m.CreateBox(m.formatListItem("+ add payment via browser", httpsFocused), httpsFocused)
 	boxes = append(boxes, httpsBox)
 
@@ -501,7 +506,7 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 				m.payment.cardCursor--
 			}
 		case "down", "j":
-			if m.payment.cardCursor < len(m.SavedCards)+1 {
+			if m.payment.cardCursor < len(m.SavedCards) {
 				m.payment.cardCursor++
 			}
 
@@ -511,17 +516,8 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 				m.SelectedCard = &selected
 				return m.ReviewSwitch()
 			}
-			if m.payment.cardCursor == len(m.SavedCards) {
-				m.payment.view = 1
-				m.payment.form = m.InitPaymentForm()
-				m.footer = []footerCommand{
-					{key: "tab", value: "next"},
-					{key: "enter", value: "submit"},
-					{key: "esc", value: "back"},
-				}
-				return m, m.payment.form.form.Init()
-			}
-			// Browser payment
+			// Browser flow, the only reachable add-card path while the SSH
+			// inline form is dormant (see RenderCardList)
 			m.payment.view = 2
 			m.payment.collectURL = nil
 			m.payment.collectTimeOut = false
@@ -546,16 +542,6 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 				if m.payment.cardCursor >= len(m.SavedCards) && m.payment.cardCursor > 0 {
 					m.payment.cardCursor--
 				}
-				if len(m.SavedCards) == 0 {
-					m.payment.view = 1
-					m.payment.form = m.InitPaymentForm()
-					m.footer = []footerCommand{
-						{key: "tab", value: "next"},
-						{key: "enter", value: "submit"},
-						{key: "esc", value: "back"},
-					}
-					return m, tea.Batch(m.payment.form.form.Init(), m.deleteCardCmd(card.ID))
-				}
 				return m, m.deleteCardCmd(card.ID)
 			}
 		}
diff --git a/pkg/tui/payment_form_test.go b/pkg/tui/payment_form_test.go
new file mode 100644
index 0000000..596c1dd
--- /dev/null
+++ b/pkg/tui/payment_form_test.go
@@ -0,0 +1,91 @@
+package tui
+
+import (
+	"strings"
+	"testing"
+
+	"terminalShop/pkg/models"
+
+	tea "charm.land/bubbletea/v2"
+)
+
+// newPaymentCardListModel parks a Model on the payment page card-list view
+// with n synthetic saved cards. Baseline for assertint that the dormant
+// "+ add card via ssh" row is dimmed and unreachable by cursor navigation.
+func newPaymentCardListModel(t *testing.T, n int) Model {
+	t.Helper()
+	m := NewModel("test")
+	m = m.updateLayout(120, 40)
+	m.currentPage = paymentPage
+	m.payment.view = 0
+	m.payment.form = nil
+	m.payment.cardCursor = 0
+	for i := range n {
+		m.SavedCards = append(m.SavedCards, models.Card{
+			ID:       uint(i + 1),
+			Brand:    "visa",
+			Last4:    "4242",
+			ExpMonth: 12,
+			ExpYear:  2030,
+		})
+	}
+	return m
+}
+
+func keyEnter() tea.KeyMsg { return tea.KeyPressMsg{Code: tea.KeyEnter} }
+
+func TestRenderCardList_SshOptionComingSoon(t *testing.T) {
+	m := newPaymentCardListModel(t, 1)
+	out := m.RenderCardList()
+	if !strings.Contains(out, "add card via ssh") {
+		t.Fatalf("ssh option missing from card list output:\n%s", out)
+	}
+	if !strings.Contains(out, "WIP") {
+		t.Fatalf("want 'WIP' marked on ssh option:\n%s", out)
+	}
+}
+
+func TestPaymentUpdate_DownNavigationStopsAtBrowserSlot(t *testing.T) {
+	m := newPaymentCardListModel(t, 2)
+	for range 10 {
+		var cmd tea.Cmd
+		m, cmd = m.PaymentUpdate(keyJ())
+		_ = cmd
+	}
+	want := len(m.SavedCards) // browser slot; ssh slot in unreachable
+	if m.payment.cardCursor != want {
+		t.Fatalf("cursor stopped at %d, want %d (browser slot)", m.payment.cardCursor, want)
+	}
+}
+
+func TestPaymentUpdate_EnterOnBrowserSlotLaunchesBrowserFlow(t *testing.T) {
+	m := newPaymentCardListModel(t, 1)
+	m.payment.cardCursor = len(m.SavedCards) // browser slot
+	newM, cmd := m.PaymentUpdate(keyEnter())
+	if newM.payment.view != 2 {
+		t.Fatalf("payment.view = %d, want 2 (browser flow)", newM.payment.view)
+	}
+	if newM.payment.form != nil {
+		t.Fatalf("payment.form must be nil after enter; ssh inline form is dormant")
+	}
+	if cmd == nil {
+		t.Fatalf("expected collectCardCmd, got nil")
+	}
+}
+
+func TestPaymentUpdate_EnterWithZeroCardsLaunchesBrowserFlow(t *testing.T) {
+	m := newPaymentCardListModel(t, 0)
+	if m.payment.cardCursor != 0 {
+		t.Fatalf("default cursor = %d, want 0 ", m.payment.cardCursor)
+	}
+	newM, cmd := m.PaymentUpdate(keyEnter())
+	if newM.payment.view != 2 {
+		t.Fatalf("payment.view = %d, want 2 (browser flow)", newM.payment.view)
+	}
+	if newM.payment.form != nil {
+		t.Fatalf("payment.form must be nil; ssh inline form is dormant")
+	}
+	if cmd == nil {
+		t.Fatalf("expected collectCardCmd, got nil")
+	}
+}