Remove failed payment entries and void retainer invoices

Failed charges leave payment records and retainer invoices in inventory, causing reconciliation mismatches. It removes linked payments and voids retainer invoices so records reconcile before month-end.

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Overview

Declined charges often leave stale entries that clutter ledgers and slow reconciliation. This flow removes the linked payment and voids the retainer so billing sees accurate balances within minutes and monthly close is cleaner.