This little bit of "translation" between what we might receive as input and what ActiveMerchant requires is important, but currently the responsibility for this job is spread all over the code base. It can now just live in the CreditCard model (in one place) and doesn't need to be duplicated anywhere else (like several different places in frontend Javascript!)
A user can store their credit card when checking out. Due to a bug in
https://github.com/openfoodfoundation/openfoodnetwork/pull/3840 it
didn't become the default card any more. This behaviour is now restored.
If there is not default card yet, a new card added during checkout
becomes the default card.
https://github.com/openfoodfoundation/openfoodnetwork/issues/3727
When a user didn't have a default credit card and then checked out with
a credit card it became the default even when the user didn't intend to
store it. That lead to subscriptions trying to charge a one-time card
which fails.
