* feat(sca): sweep abandoned 3ds requires_action orders to failed
* fix(sca): address pr review on abandoned 3ds sweep
- Drop stripe.Key write in ReconcileStale3DSOrders; wire once in api/main.go after cfg.Load so concurrent reconcilers don't
race the SDK global.
- Add empty-PI short-circuit before paymentintent.Get to bury a future regression in a slog.Warn instead of a Stripe 4xx.
- Swap fmt.Printf for slog.Warn with k/v attrs in loadAbandoned3DSThresholdMinutes so Loki sees structured fields instead of
literal %q/%d.
- Comment the updated_at predicate (RetryAuth bumps it via GORM auto-stamp, intentional grace-window extension) + the
conditional-UPDATE/map-form choice.
- Tests: processing/requires_capture skip, unknown-status skip, stripe-error skip, empty-PI skip, full env-parse table for
loadAbandoned3DSThresholdMinutes.
* fix(stripe): wire key once at init drop per-call writes
* refactor(stripe): drop dead stripeKey fields and pre-call sdk params
