Payment attempt fails with "Tentativo di pagamento non riuscito" when subscribing (3DS/SCA issue)

[theevilhero]

Description

Description

When trying to subscribe to OpenCode (Go/Lite plan) from Italy using an Italian credit/debit card, the payment fails with the error "Tentativo di pagamento non riuscito" (Payment attempt failed).

This is likely related to the known 3DS/SCA issue documented in issue #28408, where EU/UK cards requiring 3D Secure authentication are not properly handled by the billing system.

Expected behavior: The subscription should activate after successful 3DS verification.

Actual behavior: The payment is rejected with "Tentativo di pagamento non riuscito" before even reaching the 3DS challenge, or the 3DS challenge completes but the subscription is never activated.

I am using a European card which requires Strong Customer Authentication (SCA) as mandated by EU regulations. This issue prevents users from the EU/EEA from subscribing to any OpenCode paid plan.

Plugins

None

OpenCode version

latest (Desktop version)

Steps to reproduce

1. Open OpenCode Desktop on Windows 10
2. Navigate to subscription/pricing page
3. Select a paid plan (Go/Lite)
4. Enter European/Italian card details
5. Click subscribe
6. See error "Tentativo di pagamento non riuscito" immediately

Screenshot and/or share link

No response

Operating System

Windows 11

Terminal

OpenCode Desktop

[github-actions]

This issue might be a duplicate of existing issues. Please check:

• Lite subscription never activates for 3DS/SCA payments causing users to be permanently locked out #28408: Same root cause — 3DS/SCA payments not properly handled, causing subscriptions to never activate for EU/UK cards

You have actually already referenced this issue in your description. Please add a 👍 reaction or comment on #28408 to track the issue there, rather than opening a new one.

If you believe this is a distinct issue from #28408, please let a maintainer know.