deal with a failed card

cardinal owns the schedule. pawpaw owns the actual invoice + stripe charge. cardinal doesn't yet auto-fire pawpaw invoices on cycle day, so there's no "failed card" surface inside cardinal.

a yellow "payment retry" badge on any subscription whose latest pawpaw invoice failed to charge. stripe's standard retry schedule (3 days, 5 days, 7 days) plays out automatically; the badge is your heads-up to call the customer if it's been a week.

open pawpaw → invoices and filter by status. failed charges surface there today. when the cardinal fanout lights up, cardinal will show the same dunning state on the subscription row so you don't have to cross-check two modules.