fix(webhook): fail closed when stripe webhook secret is not set

* fix: disable add-card-via-ssh, mark coming soo, skip in cursor nav

* style(tui): reword (coming soon) to (WIP)

.github/workflows/deploy.yml

@@ -22,6 +22,15 @@ jobs:
           key: ${{ secrets.SERVER_SSH_KEY }}
           port: ${{ secrets.SERVER_PORT }}
           script: |
+            set -euo pipefail
             cd ~/terminalShop
-            git pull
+            git fetch origin master
+            git reset --hard origin/master
+            deployed=$(git rev-parse HEAD)
+            expected="${{ github.sha }}"
+            if [ "$deployed" != "$expected" ]; then
+              echo "::error::deploy HEAD mismatch: box=$deployed expected=$expected"
+              exit 1
+            fi
             docker compose -f docker-compose.prod.yml up -d --build
+            echo "deploy verified: HEAD=$deployed"

README.md

@@ -71,3 +71,4 @@ uses SQLite by default so there's nothing to spin up.
 ## inspiration
 
 [terminal.shop](https://terminal.shop) for the original idea and most of the patterns in `pkg/tui/`. their source is open and worth reading.
+# something

api/handlers/cards_expire_test.go

@@ -1,6 +1,7 @@
 package handlers
 
 import (
+	"context"
 	"os"
 	"testing"
 	"time"
@@ -58,7 +59,7 @@ func TestReconcileExpiredCards_RemovesPastDeadlineOnly(t *testing.T) {
 		t.Fatalf("seed cart: %v", err)
 	}
 
-	ReconcileExpiredCards()
+	ReconcileExpiredCards(context.Background())
 
 	var remaining []models.Card
 	if err := db.Where("user_id = ?", user.ID).Find(&remaining).Error; err != nil {
@@ -117,7 +118,7 @@ func TestReconcileExpiredCards_SweepsAcrossUsers(t *testing.T) {
 		}
 	}
 
-	ReconcileExpiredCards()
+	ReconcileExpiredCards(context.Background())
 
 	var count int64
 	if err := db.Model(&models.Card{}).Count(&count).Error; err != nil {

api/handlers/reconcile.go

@@ -1,6 +1,7 @@
 package handlers
 
 import (
+	"context"
 	"fmt"
 	"log/slog"
 	"time"
@@ -27,8 +28,8 @@ func reconcileLog() *slog.Logger { return slog.With("component", "reconcile") }
 // and checks whether Stripe has a succeeded PaymentIntent for them. This fixes
 // the case where the server crashed after charging but before the DB transaction
 // completed.
-func ReconcileOrders() {
-	db := database.GetDB()
+func ReconcileOrders(ctx context.Context) {
+	db := database.GetDB().WithContext(ctx)
 
 	var orders []models.Order
 	cutoff := time.Now().Add(-10 * time.Minute)
@@ -42,9 +43,14 @@ func ReconcileOrders() {
 	reconcileLog().Info("checking pending orders", "count", len(orders))
 
 	for _, order := range orders {
+		if err := ctx.Err(); err != nil {
+			reconcileLog().Info("reconcile orders cancelled mid-loop", "error", err)
+			return
+		}
 		params := &stripe.PaymentIntentSearchParams{
 			SearchParams: stripe.SearchParams{
-				Query: fmt.Sprintf("metadata['order_id']:'%d' AND status:'succeeded'", order.ID),
+				Context: ctx,
+				Query:   fmt.Sprintf("metadata['order_id']:'%d' AND status:'succeeded'", order.ID),
 			},
 		}
 
@@ -90,8 +96,8 @@ func ReconcileOrders() {
 // from ReconcileOrders: the empty-PI predicate there is load-bearing for
 // the crash-mid-create case (see sca-psd2-compliance.md caveat #20).
 // stripe.Key is wired once at startup in api/main.go.
-func ReconcileStale3DSOrders(threshold time.Duration) {
-	db := database.GetDB()
+func ReconcileStale3DSOrders(ctx context.Context, threshold time.Duration) {
+	db := database.GetDB().WithContext(ctx)
 
 	var orders []models.Order
 	// Predicate keys off updated_at, not created_at: respondRequiresAction
@@ -110,7 +116,12 @@ func ReconcileStale3DSOrders(threshold time.Duration) {
 
 	reconcileLog().Info("checking stale requires_action orders", "count", len(orders))
 
+	piParams := &stripe.PaymentIntentParams{Params: stripe.Params{Context: ctx}}
 	for i := range orders {
+		if err := ctx.Err(); err != nil {
+			reconcileLog().Info("stale 3ds sweep cancelled mid-loop", "error", err)
+			return
+		}
 		order := &orders[i]
 		if order.StripePaymentID == "" {
 			// respondRequiresAction writes stripe_payment_id and status in
@@ -120,7 +131,7 @@ func ReconcileStale3DSOrders(threshold time.Duration) {
 			middleware.RecordAbandoned3DSSweep("missing_pi")
 			continue
 		}
-		actual, err := paymentIntentGetFn(order.StripePaymentID, nil)
+		actual, err := paymentIntentGetFn(order.StripePaymentID, piParams)
 		if err != nil {
 			reconcileLog().Error("stripe get failed",
 				"order_id", order.ID, "pi", order.StripePaymentID, "error", err)
@@ -187,8 +198,8 @@ func flipStale3DSToFailed(db *gorm.DB, order *models.Order, stripeStatus string)
 // Read paths filter out expired rows so users never see them; this job drives
 // the Stripe detach + audit + physical row delete out of band so request
 // handlers never block on Stripe API calls during a card sweep.
-func ReconcileExpiredCards() {
-	db := database.GetDB()
+func ReconcileExpiredCards(ctx context.Context) {
+	db := database.GetDB().WithContext(ctx)
 
 	var cards []models.Card
 	if err := db.Where(
@@ -204,16 +215,20 @@ func ReconcileExpiredCards() {
 
 	reconcileLog().Info("expiring inactive saved cards", "count", len(cards))
 	for i := range cards {
+		if err := ctx.Err(); err != nil {
+			reconcileLog().Info("card sweep cancelled mid-loop", "error", err)
+			return
+		}
 		if err := expireStoredCard(db, &cards[i]); err != nil {
 			reconcileLog().Error("expire card failed", "card_id", cards[i].ID, "error", err)
 		}
 	}
 }
 
-// ReconcileUnshipped finds paid order orlder than 24h with no tracking
-// number and posts single Slack reminder. Pure read + notif
-func ReconcileUnshipped() {
-	db := database.GetDB()
+// ReconcileUnshipped finds paid orders older than 24h with no tracking
+// number and posts a single Slack reminder. Pure read + notify.
+func ReconcileUnshipped(ctx context.Context) {
+	db := database.GetDB().WithContext(ctx)
 
 	var orders []models.Order
 	cutoff := time.Now().Add(-24 * time.Hour)

api/handlers/reconcile_test.go

@@ -1,6 +1,7 @@
 package handlers
 
 import (
+	"context"
 	"fmt"
 	"os"
 	"testing"
@@ -44,7 +45,7 @@ func TestReconcileStale3DSOrders_FlipsAbandonedToFailed(t *testing.T) {
 	flipped := middleware.Abandoned3DSSweepCounter().WithLabelValues("flipped")
 	before := testutil.ToFloat64(flipped)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -93,7 +94,7 @@ func TestReconcileStale3DSOrders_SkipsRecent(t *testing.T) {
 		}, nil
 	}
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	if called {
 		t.Fatalf("stripe Get called for in-window row")
@@ -135,7 +136,7 @@ func TestReconcileStale3DSOrders_SkipsWhenStripeSaysSucceeded(t *testing.T) {
 	skip := middleware.Abandoned3DSSweepCounter().WithLabelValues("succeeded_skip")
 	before := testutil.ToFloat64(skip)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -178,7 +179,7 @@ func TestReconcileStale3DSOrders_GuardsAgainstWebhookRace(t *testing.T) {
 	noop := middleware.Abandoned3DSSweepCounter().WithLabelValues("flip_noop")
 	before := testutil.ToFloat64(noop)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -216,7 +217,7 @@ func TestReconcileStale3DSOrders_FlipsCanceledPI(t *testing.T) {
 		}, nil
 	}
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -252,7 +253,7 @@ func TestReconcileStale3DSOrders_DoesNotConsumeRetryCap(t *testing.T) {
 		}, nil
 	}
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var retryCount int64
 	if err := db.Model(&models.OrderEvent{}).
@@ -298,7 +299,7 @@ func TestReconcileStale3DSOrders_SkipsTransitioningStatuses(t *testing.T) {
 			skip := middleware.Abandoned3DSSweepCounter().WithLabelValues("processing_skip")
 			before := testutil.ToFloat64(skip)
 
-			ReconcileStale3DSOrders(30 * time.Minute)
+			ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 			var reloaded models.Order
 			if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -341,7 +342,7 @@ func TestReconcileStale3DSOrders_SkipsUnknownStatus(t *testing.T) {
 	unknown := middleware.Abandoned3DSSweepCounter().WithLabelValues("unrecognized_status")
 	before := testutil.ToFloat64(unknown)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -379,7 +380,7 @@ func TestReconcileStale3DSOrders_SkipsOnStripeError(t *testing.T) {
 	stripeErr := middleware.Abandoned3DSSweepCounter().WithLabelValues("stripe_error")
 	before := testutil.ToFloat64(stripeErr)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	var reloaded models.Order
 	if err := db.First(&reloaded, order.ID).Error; err != nil {
@@ -422,7 +423,7 @@ func TestReconcileStale3DSOrders_SkipsEmptyPaymentIntentID(t *testing.T) {
 	missing := middleware.Abandoned3DSSweepCounter().WithLabelValues("missing_pi")
 	before := testutil.ToFloat64(missing)
 
-	ReconcileStale3DSOrders(30 * time.Minute)
+	ReconcileStale3DSOrders(context.Background(), 30*time.Minute)
 
 	if called {
 		t.Fatalf("stripe Get called for empty-PI row")
@@ -439,6 +440,52 @@ func TestReconcileStale3DSOrders_SkipsEmptyPaymentIntentID(t *testing.T) {
 	}
 }
 
+// TestReconcileStale3DSOrders_BailsMidLoopOnCancel verifies the per-iteration
+// ctx.Err() check stops the sweep once the supervising context cancels, so a
+// SIGTERM during a large stale-3DS batch does not block the binary past the
+// 30s graceful-shutdown window in api/main.go
+func TestReconcileStale3DSOrders_BailsMidLoopOnCancel(t *testing.T) {
+	testDB, user := setupCartTestDB(t)
+	defer func() { _ = os.Remove(testDB) }()
+	defer database.ResetForTesting()
+
+	db := database.GetDB()
+	audit.SetDB(db)
+	defer audit.SetDB(nil)
+
+	seedRequiresActionOrder(t, user.ID, "pi_first", time.Now().Add(-1*time.Hour))
+	seedRequiresActionOrder(t, user.ID, "pi_second", time.Now().Add(-1*time.Hour))
+
+	ctx, cancel := context.WithCancel(context.Background())
+	defer cancel()
+
+	calls := 0
+	orig := paymentIntentGetFn
+	defer func() { paymentIntentGetFn = orig }()
+	paymentIntentGetFn = func(id string, _ *stripe.PaymentIntentParams) (*stripe.PaymentIntent, error) {
+		calls++
+		if calls == 1 {
+			cancel()
+		}
+		return &stripe.PaymentIntent{
+			ID:     id,
+			Status: stripe.PaymentIntentStatusRequiresPaymentMethod,
+		}, nil
+	}
+	ReconcileStale3DSOrders(ctx, 30*time.Minute)
+
+	if calls != 1 {
+		t.Fatalf("want exactly 1 stripe Get call (loop bails before row 2); got %d", calls)
+	}
+	var stillPending int64
+	if err := db.Model(&models.Order{}).Where("status = ?", models.OrderStatusRequiresAction).Count(&stillPending).Error; err != nil {
+		t.Fatalf("count requires_action rows: %v", err)
+	}
+	if stillPending < 1 {
+		t.Fatalf("want at least 1 row left in requires_action after mid-loop cancel; got %d", stillPending)
+	}
+}
+
 // seedRequiresActionOrder inserts a card + order pair in the requires_action
 // state. updatedAt is forced via UpdateColumn so GORM's auto-stamping of
 // UpdatedAt on Create does not bump the row out of the sweep predicate.

api/handlers/webhook.go

@@ -7,6 +7,7 @@ import (
 	"io"
 	"log/slog"
 	"net/http"
+	"os"
 	"strings"
 	"time"
 
@@ -52,8 +53,17 @@ func (h *WebhookHandler) HandleStripe(w http.ResponseWriter, r *http.Request) {
 
 	// Verify the Stripe signature. Reject anything that doesn't match.
 	if h.webhookSecret == "" {
-		// No secret configured — log a loud warning but still process in dev.
-		webhookLog().Warn("stripe webhook secret not set; skipping signature verification")
+		// Fail closed in production. config.validate() requires STRIPE_WEBHOOK_SECRET
+		// in production, so the server should never boot into this state; this is
+		// defense in depth against a misconfigured deploy. Mirrors the Shippo and
+		// Slack handlers, which already refuse to run without their secret.
+		if os.Getenv("ENVIRONMENT") == "production" {
+			webhookLog().Error("stripe webhook secret not set in production; refusing to process event")
+			utils.RespondError(w, http.StatusServiceUnavailable, "WEBHOOK_NOT_CONFIGURED", "webhook verification not configured", nil)
+			return
+		}
+		// Development only; warn loudly but still process so local testing works.
+		webhookLog().Warn("stripe webhook secret not set; skipping signature verification (development only)")
 	} else {
 		sig := r.Header.Get("Stripe-Signature")
 		if _, err := webhook.ConstructEventWithOptions(body, sig, h.webhookSecret, webhook.ConstructEventOptions{
@@ -124,6 +134,20 @@ func (h *WebhookHandler) handlePaymentIntentSucceeded(ctx context.Context, event
 		return
 	}
 
+	// Defense in depth: even behind a valid signature, refuse to mark an order
+	// paid unless the PaymentIntent's amount and currency match what we charged.
+	// Under ConvertCart these always match (Amount == order.Total at creation), so
+	// a mismatch means a malformed or unexpected event we should not trust.
+	if pi.Amount != int64(order.Total) {
+		webhookLog().Error("payment intent amount mismatch; refusing to mark paid", "order_id", orderIDStr, "pi", pi.ID, "pi_amount", pi.Amount, "order_total", order.Total)
+		return
+	}
+	if pi.Currency != "" && pi.Currency != stripe.CurrencyUSD {
+		webhookLog().Error("payment intent currency mismatch; refusing to mark paid",
+			"order_id", orderIDStr, "pi", pi.ID, "currency", string(pi.Currency))
+		return
+	}
+
 	txErr := db.Transaction(func(tx *gorm.DB) error {
 		if err := tx.Model(&order).Updates(map[string]any{
 			"status":            models.OrderStatusPaid,

api/handlers/webhook_test.go

@@ -222,3 +222,38 @@ func TestHandlePaymentIntentSucceeded_RequiresActionFlipsToPaid(t *testing.T) {
 		t.Fatalf("stripe_payment_id: want %q, got %q", order.StripePaymentID, reloaded.StripePaymentID)
 	}
 }
+
+func TestHandlePaymentIntentSucceeded_AmountMismatchDoesNotPay(t *testing.T) {
+	testDB, user := setupCartTestDB(t)
+	defer func() { _ = os.Remove(testDB) }()
+	defer database.ResetForTesting()
+
+	order := seedOrderForWebhook(t, user.ID, models.OrderStatusRequiresAction, "pi_test_amount_mismatch")
+
+	// PI claims 1 cent; seed order.Total is 500.
+	pi := map[string]any{
+		"id":       order.StripePaymentID,
+		"amount":   1,
+		"metadata": map[string]string{"order_id": fmt.Sprintf("%d", order.ID)},
+	}
+	raw, err := json.Marshal(pi)
+	if err != nil {
+		t.Fatalf("marshal pi: %v", err)
+	}
+	evt := stripe.Event{
+		Type: "payment_intent.succeeded",
+		Data: &stripe.EventData{Raw: raw},
+	}
+
+	h := NewWebhookHandler("", "")
+	h.handlePaymentIntentSucceeded(context.Background(), evt)
+
+	db := database.GetDB()
+	var reloaded models.Order
+	if err := db.First(&reloaded, order.ID).Error; err != nil {
+		t.Fatalf("reloaded order: %v", err)
+	}
+	if reloaded.Status == models.OrderStatusPaid {
+		t.Fatalf("order marked paid despite amount mismatch")
+	}
+}

api/main.go

@@ -114,7 +114,7 @@ func main() {
 		for {
 			select {
 			case <-ticker.C:
-				handlers.ReconcileOrders()
+				handlers.ReconcileOrders(ctx)
 			case <-ctx.Done():
 				return
 			}
@@ -122,14 +122,18 @@ func main() {
 	}()
 
 	go func() {
-		time.Sleep(30 * time.Second)
-		handlers.ReconcileUnshipped()
+		select {
+		case <-time.After(30 * time.Second):
+		case <-ctx.Done():
+			return
+		}
+		handlers.ReconcileUnshipped(ctx)
 		ticker := time.NewTicker(24 * time.Hour)
 		defer ticker.Stop()
 		for {
 			select {
 			case <-ticker.C:
-				handlers.ReconcileUnshipped()
+				handlers.ReconcileUnshipped(ctx)
 			case <-ctx.Done():
 				return
 			}
@@ -145,7 +149,7 @@ func main() {
 		for {
 			select {
 			case <-ticker.C:
-				handlers.ReconcileExpiredCards()
+				handlers.ReconcileExpiredCards(ctx)
 			case <-ctx.Done():
 				return
 			}
@@ -159,7 +163,7 @@ func main() {
 		for {
 			select {
 			case <-ticker.C:
-				handlers.ReconcileStale3DSOrders(threshold)
+				handlers.ReconcileStale3DSOrders(ctx, threshold)
 			case <-ctx.Done():
 				return
 			}
@@ -174,10 +178,10 @@ func main() {
 	log.Println("Server is shutting down...")
 
 	// Graceful shutdown with 30 second timeout
-	ctx, cancel = context.WithTimeout(context.Background(), 30*time.Second)
-	defer cancel()
+	shutdownCtx, shutdownCancel := context.WithTimeout(context.Background(), 30*time.Second)
+	defer shutdownCancel()
 
-	if err := server.Shutdown(ctx); err != nil {
+	if err := server.Shutdown(shutdownCtx); err != nil {
 		log.Fatalf("Server forced to shutdown: %v", err)
 	}
 

pkg/config/config.go

@@ -92,6 +92,7 @@ func (c *Config) validate() error {
 		{"JWT_SECRET", c.JWTSecret},
 		{"STRIPE_SECRET_KEY", c.StripeSecretKey},
 		{"AUTH_FINGERPRINT_KEY", c.AuthFingerprintKey},
+		{"STRIPE_WEBHOOK_SECRET", c.StripeWebhookSecret},
 	}
 
 	var missing []string

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)
 			}
 		}

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")
+	}
+}