Every failed payment,
one clear state.

A failed Razorpay payment becomes one durable row instead of disappearing into a log.

Deterministic diagnosis classifies the source, reason, method, and attempt history.

GPT-5.6 Terra proposes one bounded next step from read-only case facts.

Policy can approve, delay, replace, escalate, or deny before any side effect.

BullMQ runs only approved work: wait, silent Payment Link, escalate, or stop.

Open a row to see verification, the audit timeline, and whether money came back.