Payment Errors Not Handled Gracefully – Application Saved Without Payment Data

[ob22a]

Summary

When a payment attempt fails or encounters an issue, the system still saves the application without the associated payment data. As a result, the user cannot retry the payment or submit a new application, effectively blocking them from completing the process.

Steps to Reproduce

1. Fill out and submit an application.
2. Proceed to the payment step.
3. Trigger a payment failure
4. Observe that the application is saved despite the payment not being completed.
5. Attempt to reapply or retry payment.

Expected Behavior

• The application should not be finalized or saved as complete if payment fails.
• The user should be able to retry the payment without losing their application data.
• Clear error messaging should be displayed when payment fails.

Actual Behavior

• The application is saved without payment data.
• The user cannot retry the payment.
• The user cannot submit a new application.
• No clear recovery path is provided.

Impact

This creates a blocking issue where users are unable to complete their applications after a payment failure, potentially leading to lost users and support requests.