add unit spec for Payments query

spec/queries/payments_requiring_action_spec.rb

@@ -0,0 +1,31 @@
+# frozen_string_literal: true
+
+require 'spec_helper'
+
+describe PaymentsRequiringAction do
+  let(:user) { create(:user) }
+  let(:order) { create(:order, user: user) }
+  let(:payments_requiring_action) { described_class.new(user) }
+
+  describe '#query' do
+    context "payment has a cvv_response_message" do
+      let(:payment) do
+        create(:payment, order: order, cvv_response_message: "https://stripe.com/redirect")
+      end
+
+      it "finds the payment" do
+        expect(payments_requiring_action.query.all).to include(payment)
+      end
+    end
+
+    context "payment has no cvv_response_message" do
+      let(:payment) do
+        create(:payment, order: order, cvv_response_message: nil)
+      end
+
+      it "does not find the payment" do
+        expect(payments_requiring_action.query.all).to_not include(payment)
+      end
+    end
+  end
+end