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* feat(billing): payment-failed email endpoint + template (TASK-712 1 of 2) Pairs with pad-cloud's invoice.payment_failed webhook handler (shipping next) to give paying users a chance to update their card before dunning exhausts and the subscription cancels. pad owns the Maileroo integration and the user→email mapping; the sidecar forwards the invoice metadata here. Changes: - email.Sender.SendPaymentFailed — new template (HTML + plain). Subject "Your Pad payment couldn't be processed"; body names the amount + next retry date when provided, falls back to generic copy when Stripe omits them, and CTAs to the billing portal so the user can update their card. Transactional (no unsubscribe link) — users who want the emails to stop either fix their card or cancel the subscription. - POST /api/v1/admin/payment-failed — new cloud-secret-gated endpoint (handlers_cloud.go). Accepts stripe_customer_id + optional pre- formatted amount_display + next_retry_display. Looks up the user, sends the email, logs a payment_failed_email_sent audit entry. Returns 200 + email_sent=false with a reason string for every non-error skip (unknown customer, no email on file, Maileroo not configured) so the sidecar never rolls back the Stripe webhook over an email failure. Returns 200 + email_sent=false + reason=send_failed when Maileroo itself errors — still no rollback. - Registered the path in cloudAdminPaths, the server router, and the CloudAdmin rate limiter so the sidecar's calls share the same rate bucket as /plan + /stripe-customer-id. - ActionPaymentFailedEmailSent audit constant for the new entry. - Three focused tests: cus_ prefix validation, unknown-customer 200, and email-not-configured 200. Added an entry to the cloud-mode gate table-driven test to confirm /admin/payment-failed also 404s when cloud mode is off. Parent: PLAN-645 (Pad Cloud Beta Readiness). TASK-712 bullet 3, pad side. pad-cloud's handlePaymentFailed wiring ships in a sibling PR. * fix(billing): audit every outcome; target user ID; add send-path tests (Codex round 1) Addresses PR #232 round 1 findings: MEDIUM — payment-failed handler only wrote an audit row on the actual send attempt, so no_customer / no_email_address / email_not_configured skip paths left no durable trail. Consolidated the audit + response into a single auditAndRespond closure called from every outcome branch, so operators can always reconstruct whether (and why) a customer was notified during dunning reconciliation. MEDIUM — audit UserID was set to actorID, which is empty for sidecar calls. /audit-log?user=<target-user-id> would never surface these events. Now set UserID to targetUser.ID whenever we have one; the no_customer branch still writes a row but with empty UserID (filtered only by action + stripe_customer_id metadata). Moved actor identity into an actor_is_admin metadata field instead. LOW — test coverage was thin: no assertion on the most important contract ("return 200 with reason=send_failed and still record the attempt"), no test of the happy send path, no audit-log assertions. Added email.Sender.SetEndpoint (exported, test-only — comment says so) so tests can point the Sender at a mock Maileroo server, plus three new tests: - TestPaymentFailed_HappyPath_SendsAndAudits - TestPaymentFailed_MailerooError_Returns200_SendFailed_AndAudits - TestPaymentFailed_UnknownCustomer_AuditsWithoutUserID The first two verify audit metadata per outcome; the third proves unknown-customer cases still leave a findable audit row. Thread-safety fix as a side-effect: Send/SendAs were reading s.endpoint outside the sender's RWMutex — fine before the mutable SetEndpoint existed, now a data race. Pulled the endpoint read into the same RLock scope as fromAddr/fromName. * fix: capture admin actor ID + audit-log formatter for payment_failed (Codex round 2) Addresses PR #232 round 2 findings: MEDIUM — auditAndRespond recorded actor_is_admin=true/false but not which admin. For manual operator-triggered calls, that meant the audit trail could not answer "who sent the dunning email?" when multiple admins touched the endpoint. Added admin_actor_id to the metadata whenever the authenticated caller has role=admin. Sidecar calls with no authenticated user still have no admin_actor_id, which correctly distinguishes them from manual admin operations. LOW — web/src/routes/console/admin/audit-log/+page.svelte falls back to "first 3 metadata keys" when no formatter exists for an action, which could hide the important reason/sent fields. Added a dedicated case for payment_failed_email_sent that renders either "sent (cus_...)" or "skipped: <reason> (cus_...)" depending on the outcome, matching the terse display style of the other switch cases. * fix(audit-log): distinguish send_failed from skip; surface admin actor (Codex round 3) Addresses PR #232 round 3 LOWs: - The formatter lumped every sent=false outcome under 'skipped', which conflates a genuine Maileroo delivery failure with a pre-send skip. Now: sent → 'sent (...)'; send_failed → 'send failed (...)'; other reasons → 'skipped (<reason>) (...)'. - admin_actor_id was recorded in metadata but invisible in the UI: the User column shows the target user via a.user_id. Appended 'by admin:<id>' to the formatted string whenever admin_actor_id is present, so manual operator calls are attributable at a glance. Sidecar calls have no admin_actor_id and render without the suffix. * fix(audit-log): register payment_failed_email_sent in action filter dropdown (Codex round 4) The backend emits payment_failed_email_sent and the custom formatter knows how to render it, but the audit-log page's ACTION_TYPES / ACTION_LABELS registry omitted the action, so admins couldn't filter for these events from the dropdown — undercutting the dunning reconciliation workflow this PR is adding. Added 'payment_failed_email_sent' to the ACTION_TYPES list and 'Payment Failed Email' to ACTION_LABELS.