fix(sca): drop unused pollOrderStatusCmd helper

api/handlers/cart.go

@@ -529,10 +529,14 @@ func (h *CartHandler) respondRequiresAction(w http.ResponseWriter, order *models
 		return
 	}
 
-	// persist the paymentIntent id before responding so the reconciliation jon
-	// and webhook can match the eventual succeeded/failed event to this order
-	// even if the customer drops off mid-auth
-	if err := db.Model(order).Update("stripe_payment_id", pi.ID).Error; err != nil {
+	// Persist the paymentIntent id AND reset status to pending. The
+	// payment_intent.payment_failed webhook from the initial off-session decline
+	// often arrives before this response and flips the order to failed —
+	// override it back so the 3DS-in-flight order shows the correct state.
+	if err := db.Model(order).Updates(map[string]any{
+		"stripe_payment_id": pi.ID,
+		"status":            models.OrderStatusPending,
+	}).Error; err != nil {
 		utils.RespondError(w, http.StatusInternalServerError, "DATABASE_ERROR", "failed to save payment id", nil)
 		return
 	}

api/handlers/webhook.go

@@ -167,6 +167,16 @@ func (h *WebhookHandler) handlePaymentIntentFailed(ctx context.Context, event st
 		return
 	}
 
+	// authentication_required is recoverable — the cart handler re-confirms the
+	// PI on-session and the customer completes 3DS via redirect. Marking the
+	// order failed here would race with the recovery path and surface a
+	// momentarily-broken state in the TUI.
+	if pi.LastPaymentError != nil && string(pi.LastPaymentError.Code) == "authentication_required" {
+		webhookLog().Info("ignoring authentication_required payment_failed; handled via 3ds redirect",
+			"order_id", orderIDStr, "pi", pi.ID)
+		return
+	}
+
 	db := database.GetDB().WithContext(ctx)
 	if err := db.Model(&models.Order{}).Where("id = ? AND status = ?", orderIDStr, models.OrderStatusPending).
 		Update("status", models.OrderStatusFailed).Error; err != nil {

pkg/api/client.go

@@ -280,14 +280,31 @@ type CardResponse struct {
 }
 
 // ConvertCartResponse represents the cart conversion (checkout) API response.
+// 200 carries Order populated; 202 (requires_action / 3DS) carries the
+// redirect fields and OrderID instead.
 type ConvertCartResponse struct {
 	Success bool `json:"success"`
 	Data    struct {
-		Order models.Order `json:"order"`
+		Order           *models.Order `json:"order,omitempty"`
+		OrderID         uint          `json:"order_id,omitempty"`
+		PaymentIntentID string        `json:"payment_intent_id,omitempty"`
+		Status          string        `json:"status,omitempty"`
+		RedirectToken   string        `json:"redirect_token,omitempty"`
+		RedirectURL     string        `json:"redirect_url,omitempty"`
 	} `json:"data"`
 	Error *APIError `json:"error,omitempty"`
 }
 
+// CheckoutOutcome is the unified result of ConvertCart. RequiresAction=true
+// means the customer needs to complete 3DS at RedirectURL; poll
+// GetOrderStatus(OrderID) until the webhook flips the order to paid or failed.
+type CheckoutOutcome struct {
+	Order          *models.Order
+	OrderID        uint
+	RequiresAction bool
+	RedirectURL    string
+}
+
 // GetCart fetches the user's current cart.
 func (c *Client) GetCart() (*CartData, error) {
 	url := fmt.Sprintf("%s/api/v1/cart", c.BaseURL)
@@ -467,7 +484,9 @@ func (c *Client) ClearCart() error {
 }
 
 // ConvertCart converts the cart into an order, charging the saved card.
-func (c *Client) ConvertCart() (*models.Order, error) {
+// Returns a CheckoutOutcome that either carries the completed Order or
+// indicates the customer must complete 3DS authentication via RedirectURL.
+func (c *Client) ConvertCart() (*CheckoutOutcome, error) {
 	url := fmt.Sprintf("%s/api/v1/cart/convert", c.BaseURL)
 
 	req, err := http.NewRequest("POST", url, nil)
@@ -493,7 +512,21 @@ func (c *Client) ConvertCart() (*models.Order, error) {
 		return nil, fmt.Errorf("failed to convert cart")
 	}
 
-	return &convertResp.Data.Order, nil
+	if convertResp.Data.Status == "requires_action" {
+		return &CheckoutOutcome{
+			OrderID:        convertResp.Data.OrderID,
+			RequiresAction: true,
+			RedirectURL:    convertResp.Data.RedirectURL,
+		}, nil
+	}
+
+	if convertResp.Data.Order == nil {
+		return nil, fmt.Errorf("malformed convert response: missing order")
+	}
+	return &CheckoutOutcome{
+		Order:   convertResp.Data.Order,
+		OrderID: convertResp.Data.Order.ID,
+	}, nil
 }
 
 type OrderStatusResponse struct {

pkg/tui/confirmation.go

@@ -5,6 +5,7 @@ import (
 	"strings"
 
 	"terminalShop/pkg/models"
+	"terminalShop/pkg/tui/qrfefe"
 
 	"charm.land/bubbles/v2/viewport"
 	tea "charm.land/bubbletea/v2"
@@ -169,6 +170,18 @@ func (m Model) ReviewView() string {
 	if m.CheckingOut {
 		return m.theme.TextAccent().Bold(true).Padding(1).Render("  submitting order...")
 	}
+	if m.review.authFailed {
+		content := m.theme.TextError().Bold(true).Padding(1).Render("authentication failed — press esc to try again")
+		return lipgloss.Place(
+			m.widthContainer,
+			lipgloss.Height(content),
+			lipgloss.Center, lipgloss.Center,
+			content,
+		)
+	}
+	if m.review.requiresAction {
+		return m.renderRequiresActionView()
+	}
 	if m.review.success {
 		content := m.theme.TextSuccess().Bold(true).Padding(1).Render("order placed successfully!")
 		return lipgloss.Place(
@@ -187,6 +200,34 @@ func (m Model) ReviewView() string {
 	)
 }
 
+// renderRequiresActionView shows a QR for the 3DS challenge URL while the TUI
+// polls the order status. Mirrors the add-card QR layout in payment_form.go.
+func (m Model) renderRequiresActionView() string {
+	base := m.theme.TextLabel()
+	accent := m.theme.TextHighlight()
+	header := m.theme.TextAccent().Bold(true).Render("your bank wants to verify this charge")
+
+	if m.review.redirectURL == "" {
+		return base.Render("  waiting for authentication link...")
+	}
+
+	qr, qrSize, err := qrfefe.Generate(m.review.redirectURL)
+	if err != nil || qrSize > m.widthContent {
+		body := header + "\n\n" +
+			base.Render("open this url on your phone to authenticate:") + "\n\n" +
+			accent.Render(m.review.redirectURL) + "\n\n" +
+			base.Render("waiting for completion...")
+		return lipgloss.Place(m.widthContainer, lipgloss.Height(body), lipgloss.Center, lipgloss.Center, body)
+	}
+
+	// Same gotcha as payment_form.go: lipgloss layout helpers corrupt qrfefe ANSI.
+	return qr +
+		header + "\n" +
+		base.Render("scan or visit to complete authentication") + "\n" +
+		accent.Render(m.review.redirectURL) + "\n\n" +
+		base.Render("waiting for completion...")
+}
+
 func (m Model) ReviewUpdate(msg tea.Msg) (Model, tea.Cmd) {
 	switch msg := msg.(type) {
 	case CheckoutResultMsg:
@@ -199,6 +240,12 @@ func (m Model) ReviewUpdate(msg tea.Msg) (Model, tea.Cmd) {
 			m.payment.form = nil
 			return m, nil
 		}
+		if msg.RequiresAction {
+			m.review.requiresAction = true
+			m.review.redirectURL = msg.RedirectURL
+			m.review.orderID = msg.OrderID
+			return m, m.schedulePollOrderStatus(msg.OrderID)
+		}
 		m.Cart = make(map[uint]*models.CartItem)
 		m.cart.cursor = 0
 		m.ShippingInfo = nil
@@ -206,10 +253,57 @@ func (m Model) ReviewUpdate(msg tea.Msg) (Model, tea.Cmd) {
 		m.review.success = true
 		return m, nil
 
+	case OrderStatusMsg:
+		if !m.review.requiresAction || msg.OrderID != m.review.orderID {
+			return m, nil
+		}
+		if msg.Err != nil {
+			// Transient — keep polling.
+			return m, m.schedulePollOrderStatus(msg.OrderID)
+		}
+		switch msg.Status {
+		case "paid", "shipped", "delivered":
+			m.Cart = make(map[uint]*models.CartItem)
+			m.cart.cursor = 0
+			m.ShippingInfo = nil
+			m.OrdersLoaded = false
+			m.review.requiresAction = false
+			m.review.redirectURL = ""
+			m.review.success = true
+			return m, nil
+		case "failed", "cancelled":
+			m.review.requiresAction = false
+			m.review.redirectURL = ""
+			m.review.authFailed = true
+			return m, nil
+		default:
+			return m, m.schedulePollOrderStatus(msg.OrderID)
+		}
+
 	case tea.KeyMsg:
 		if m.CheckingOut {
 			return m, nil
 		}
+		if m.review.authFailed {
+			if msg.String() == "esc" || msg.String() == "enter" {
+				m.review.authFailed = false
+				m = m.SwitchPage(paymentPage)
+				m.payment.view = 0
+				m.payment.form = nil
+				return m, nil
+			}
+			return m, nil
+		}
+		if m.review.requiresAction {
+			if msg.String() == "esc" {
+				m.review.requiresAction = false
+				m.review.redirectURL = ""
+				m = m.SwitchPage(paymentPage)
+				m.payment.view = 0
+				return m, nil
+			}
+			return m, nil
+		}
 		if m.review.success {
 			m.review.success = false
 			m.review.cardJustAdded = false

pkg/tui/model.go

@@ -202,6 +202,15 @@ type reviewState struct {
 	cardJustAdded    bool
 	cardWasDuplicate bool
 	success          bool
+
+	// 3DS / SCA flow: when the backend returns 202 requires_action,
+	// requiresAction is true and redirectURL is the Stripe-hosted challenge
+	// page. The TUI shows a QR and polls GetOrderStatus(orderID) until the
+	// order flips to paid or failed.
+	requiresAction bool
+	redirectURL    string
+	orderID        uint
+	authFailed     bool
 }
 
 type confirmState struct {
@@ -418,8 +427,18 @@ func (m Model) Init() tea.Cmd {
 }
 
 type CheckoutResultMsg struct {
+	OrderID        uint
+	Total          int
+	RequiresAction bool
+	RedirectURL    string
+	Err            error
+}
+
+// OrderStatusMsg carries the result of a poll against /orders/{id}/status.
+// Emitted on the 2s tick while waiting for 3DS authentication to complete.
+type OrderStatusMsg struct {
 	OrderID uint
-	Total   int
+	Status  string
 	Err     error
 }
 
@@ -631,15 +650,38 @@ func (m Model) checkoutWithSavedCard() tea.Cmd {
 		}
 
 		// 3. Convert the cart to an order
-		order, err := m.APIClient.ConvertCart()
+		outcome, err := m.APIClient.ConvertCart()
 		if err != nil {
 			return CheckoutResultMsg{Err: err}
 		}
 
-		return CheckoutResultMsg{OrderID: order.ID, Total: order.Total}
+		if outcome.RequiresAction {
+			return CheckoutResultMsg{
+				OrderID:        outcome.OrderID,
+				RequiresAction: true,
+				RedirectURL:    outcome.RedirectURL,
+			}
+		}
+
+		return CheckoutResultMsg{OrderID: outcome.Order.ID, Total: outcome.Order.Total}
 	}
 }
 
+// schedulePollOrderStatus sleeps 2s then polls /orders/{id}/status. Used while
+// waiting for the customer to complete 3DS authentication.
+func (m Model) schedulePollOrderStatus(orderID uint) tea.Cmd {
+	return tea.Tick(2*time.Second, func(time.Time) tea.Msg {
+		if m.APIClient == nil {
+			return OrderStatusMsg{OrderID: orderID, Err: fmt.Errorf("api client unavailable")}
+		}
+		status, err := m.APIClient.GetOrderStatus(orderID)
+		if err != nil {
+			return OrderStatusMsg{OrderID: orderID, Err: err}
+		}
+		return OrderStatusMsg{OrderID: orderID, Status: status}
+	})
+}
+
 func (m Model) syncCartItemCmd(coffeeID uint, quantity int) (Model, tea.Cmd) {
 	if m.APIClient == nil || m.User == nil {
 		return m, nil