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When creating the card payment failed, the form's onSubmit rejected with no message and Mercado Pago's button kept spinning. The page now shows the reason above the form. A payment Mercado Pago refuses is logged with its status, message and cause codes (payment_intent_refused) and answered 422 with that reason; other failures log their type. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>