Handle SCA payments that can't complete

app/services/process_payment_intent.rb

@@ -23,10 +23,10 @@ class ProcessPaymentIntent
     end
   end
 
-  def initialize(payment_intent, order)
+  def initialize(payment_intent, order, last_payment = nil)
     @payment_intent = payment_intent
     @order = order
-    @last_payment = OrderPaymentFinder.new(order).last_payment
+    @last_payment = last_payment.presence || OrderPaymentFinder.new(order).last_payment
   end
 
   def call!
@@ -35,10 +35,15 @@ class ProcessPaymentIntent
 
     mark_as_processed
 
-    OrderWorkflow.new(@order).next
-    last_payment.complete! if last_payment.can_complete?
+    OrderWorkflow.new(order).next
+
+    if last_payment.can_complete?
+      last_payment.complete!
+      Result.new(ok: true)
+    else
+      Result.new(ok: false, error: "The payment could not be completed")
+    end
 
-    Result.new(ok: true)
   rescue Stripe::StripeError => e
     Result.new(ok: false, error: e.message)
   end

spec/services/process_payment_intent_spec.rb

@@ -94,5 +94,27 @@ describe ProcessPaymentIntent do
         expect(payment.reload.state).to eq("failed")
       end
     end
+
+    context "when the payment can't be completed" do
+      let(:intent) { "pi_123" }
+      let(:service) { ProcessPaymentIntent.new(intent, order, payment) }
+
+      before do
+        allow(payment).to receive(:can_complete?).and_return(false)
+        allow(validator).to receive(:call).with(intent, anything).and_return(intent)
+      end
+
+      it "returns a failed result" do
+        result = service.call!
+
+        expect(result.ok?).to eq(false)
+        expect(result.error).to eq("The payment could not be completed")
+      end
+
+      it "does not complete the payment" do
+        service.call!
+        expect(payment.reload.state).to eq("pending")
+      end
+    end
   end
 end