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* 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