Billing: Failed Payments should not immediately cancel Stripe Subscriptions

[tghanken]

Issue - Bug

Currently, failed payments for Team subscriptions automatically cancel the Stripe subscription. This can lead to some unexpected billing behavior, such as unpaid balances failing to carry forward, as seen here 🔒. Instead of automatically cancelling the subscriptions, we should allow them to go "Past Due", and allow users to change their payment information on the original subscription.

Acceptance Criteria (optional)

• Allow payments to fail without the subscription being automatically cancelled for previously stable subscriptions
• Changing payment information retries billing on failed invoices
• Continue to ensure new Team subscriptions cannot be created without a valid form of payment

Estimated effort: 1 hour to triage. More if root cause is already identified.

[drewhousman1010]

A Team plan customer 🔒 just had this happen to them.

When they got locked out they saw the original lock message from when I was working their deal, which confused them. It said something like "You chose not to pay for the Parabol team plan, so now you are locked." The users didn't know the payment failed, so they weren't sure what to make of that.

If we could change the lock message in these cases to be something related to the failed payment that would be helpful.