Enhance payment processing and user detail updates in YooKassa integration

- Added handling for 'waiting_for_capture' event in the YooKassa webhook to manage bind-only payment flows, including saving payment methods and canceling authorizations.
- Introduced a new method in the YooKassaService to cancel payments, improving error handling and logging for payment cancellations.
- Updated user detail synchronization to conditionally update descriptions only when they differ from the current panel state, enhancing efficiency.

bot/handlers/admin/sync_admin.py

@@ -144,7 +144,10 @@ async def perform_sync(panel_service: PanelApiService, session: AsyncSession,
                             existing_user.first_name or "",
                             existing_user.last_name or "",
                         ])
-                        if description_text.strip():
+                        # Update description only when it differs from the current one on panel
+                        current_panel_description = (panel_user_dict.get("description") or "").strip()
+                        desired_description = description_text.strip()
+                        if desired_description and desired_description != current_panel_description:
                             await panel_service.update_user_details_on_panel(
                                 panel_uuid, {"description": description_text}
                             )

bot/handlers/user/payment.py

@@ -27,6 +27,7 @@ payment_processing_lock = asyncio.Lock()
 
 YOOKASSA_EVENT_PAYMENT_SUCCEEDED = 'payment.succeeded'
 YOOKASSA_EVENT_PAYMENT_CANCELED = 'payment.canceled'
+YOOKASSA_EVENT_PAYMENT_WAITING_FOR_CAPTURE = 'payment.waiting_for_capture'
 
 
 async def process_successful_payment(session: AsyncSession, bot: Bot,
@@ -451,6 +452,34 @@ async def yookassa_webhook_route(request: web.Request):
                             session, bot, payment_dict_for_processing,
                             i18n_instance, settings)
                         await session.commit()
+                    elif notification_object.event == YOOKASSA_EVENT_PAYMENT_WAITING_FOR_CAPTURE:
+                        # Bind-only flow: save method and cancel auth if metadata has bind_only
+                        metadata = payment_dict_for_processing.get("metadata", {}) or {}
+                        if metadata.get("bind_only") == "1":
+                            try:
+                                user_id_str = metadata.get("user_id")
+                                if user_id_str and user_id_str.isdigit():
+                                    user_id = int(user_id_str)
+                                    payment_method = payment_dict_for_processing.get("payment_method")
+                                    if isinstance(payment_method, dict) and payment_method.get("id"):
+                                        card = payment_method.get("card") or {}
+                                        await user_billing_dal.upsert_yk_payment_method(
+                                            session,
+                                            user_id=user_id,
+                                            payment_method_id=payment_method.get("id"),
+                                            card_last4=card.get("last4"),
+                                            card_network=card.get("card_type"),
+                                        )
+                                        await session.commit()
+                                        # Attempt to cancel the authorization to avoid charge hold
+                                        try:
+                                            yk: YooKassaService = request.app.get('yookassa_service')
+                                            if yk:
+                                                await yk.cancel_payment(payment_dict_for_processing.get("id"))
+                                        except Exception:
+                                            logging.exception("Failed to cancel bind-only payment auth")
+                            except Exception:
+                                logging.exception("Failed to handle bind-only waiting_for_capture webhook")
                 except Exception as e_webhook_db_processing:
                     await session.rollback()
                     logging.error(