pay from saved card

bot/handlers/user/subscription/payments.py

@@ -2,11 +2,17 @@ import logging
 from datetime import datetime
 from aiogram import Router, F, types
 from aiogram.types import InlineKeyboardButton, InlineKeyboardMarkup
-from typing import Optional
+from typing import Optional, List, Tuple
 from sqlalchemy.ext.asyncio import AsyncSession
 
 from config.settings import Settings
-from bot.keyboards.inline.user_keyboards import get_payment_method_keyboard, get_payment_url_keyboard
+from bot.keyboards.inline.user_keyboards import (
+    get_payment_method_keyboard,
+    get_payment_url_keyboard,
+    get_yk_autopay_choice_keyboard,
+    get_yk_saved_cards_keyboard,
+    get_back_to_main_menu_markup,
+)
 from bot.services.yookassa_service import YooKassaService
 from bot.services.freekassa_service import FreeKassaService
 from bot.services.crypto_pay_service import CryptoPayService
@@ -17,6 +23,283 @@ from db.dal import payment_dal, user_billing_dal
 router = Router(name="user_subscription_payments_router")
 
 
+def _parse_months_and_price(payload: str) -> Optional[Tuple[int, float]]:
+    try:
+        months_str, price_str = payload.split(":")
+        return int(months_str), float(price_str)
+    except (ValueError, IndexError):
+        return None
+
+
+def _format_saved_payment_method_title(get_text, network: Optional[str], last4: Optional[str], is_default: bool) -> str:
+    def _is_yoomoney_network(name: Optional[str]) -> bool:
+        s = (name or "").lower()
+        return "yoomoney" in s or "yoo money" in s or "yoo-money" in s
+
+    def _extract_last4(text: str) -> Optional[str]:
+        digits = "".join(ch for ch in text if ch.isdigit())
+        return digits[-4:] if len(digits) >= 4 else None
+
+    if _is_yoomoney_network(network):
+        inferred_last4 = last4 or (_extract_last4(network or "") or "****")
+        title = get_text("payment_method_wallet_title", last4=inferred_last4)
+    elif last4:
+        network_name = network or get_text("payment_network_card")
+        title = get_text("payment_method_card_title", network=network_name, last4=last4)
+    else:
+        network_name = network or get_text("payment_network_generic")
+        title = get_text("payment_method_generic_title", network=network_name)
+    return f"⭐ {title}" if is_default else title
+
+
+async def _initiate_yk_payment(
+    callback: types.CallbackQuery,
+    *,
+    settings: Settings,
+    session: AsyncSession,
+    yookassa_service: YooKassaService,
+    i18n: Optional[JsonI18n],
+    current_lang: str,
+    get_text,
+    user_id: int,
+    months: int,
+    price_rub: float,
+    currency_code_for_yk: str,
+    save_payment_method: bool,
+    back_callback: str,
+    payment_method_id: Optional[str] = None,
+    selected_method_internal_id: Optional[int] = None,
+) -> bool:
+    """Create payment record and initiate YooKassa payment (new card or saved card)."""
+    if not callback.message:
+        return False
+
+    payment_description = get_text("payment_description_subscription", months=months)
+    payment_record_data = {
+        "user_id": user_id,
+        "amount": price_rub,
+        "currency": currency_code_for_yk,
+        "status": "pending_yookassa",
+        "description": payment_description,
+        "subscription_duration_months": months,
+    }
+
+    db_payment_record = None
+    try:
+        db_payment_record = await payment_dal.create_payment_record(session, payment_record_data)
+        await session.commit()
+        logging.info(
+            f"Payment record {db_payment_record.payment_id} created for user {user_id} with status 'pending_yookassa'."
+        )
+    except Exception as e_db_payment:
+        await session.rollback()
+        logging.error(
+            f"Failed to create payment record in DB for user {user_id}: {e_db_payment}",
+            exc_info=True,
+        )
+        try:
+            await callback.message.edit_text(get_text("error_creating_payment_record"))
+        except Exception:
+            pass
+        return False
+
+    if not db_payment_record:
+        try:
+            await callback.message.edit_text(get_text("error_creating_payment_record"))
+        except Exception:
+            pass
+        return False
+
+    yookassa_metadata = {
+        "user_id": str(user_id),
+        "subscription_months": str(months),
+        "payment_db_id": str(db_payment_record.payment_id),
+    }
+    if payment_method_id:
+        yookassa_metadata["used_saved_payment_method_id"] = payment_method_id
+
+    receipt_email_for_yk = settings.YOOKASSA_DEFAULT_RECEIPT_EMAIL
+
+    payment_response_yk = await yookassa_service.create_payment(
+        amount=price_rub,
+        currency=currency_code_for_yk,
+        description=payment_description,
+        metadata=yookassa_metadata,
+        receipt_email=receipt_email_for_yk,
+        save_payment_method=save_payment_method,
+        payment_method_id=payment_method_id,
+    )
+
+    if payment_response_yk and payment_response_yk.get("confirmation_url"):
+        pm = payment_response_yk.get("payment_method")
+        try:
+            if pm and pm.get("id"):
+                pm_type = pm.get("type")
+                title = pm.get("title")
+                card = pm.get("card") or {}
+                account_number = pm.get("account_number") or pm.get("account")
+                if isinstance(card, dict) and (pm_type or "").lower() in {"bank_card", "bank-card", "card"}:
+                    display_network = card.get("card_type") or title or "Card"
+                    display_last4 = card.get("last4")
+                elif (pm_type or "").lower() in {"yoo_money", "yoomoney", "yoo-money", "wallet"}:
+                    display_network = "YooMoney"
+                    display_last4 = (
+                        account_number[-4:]
+                        if isinstance(account_number, str) and len(account_number) >= 4
+                        else None
+                    )
+                else:
+                    display_network = title or (pm_type.upper() if pm_type else "Payment method")
+                    display_last4 = None
+                await user_billing_dal.upsert_yk_payment_method(
+                    session,
+                    user_id=user_id,
+                    payment_method_id=pm["id"],
+                    card_last4=display_last4,
+                    card_network=display_network,
+                )
+                try:
+                    await user_billing_dal.upsert_user_payment_method(
+                        session,
+                        user_id=user_id,
+                        provider_payment_method_id=pm["id"],
+                        provider="yookassa",
+                        card_last4=display_last4,
+                        card_network=display_network,
+                        set_default=save_payment_method,
+                    )
+                except Exception:
+                    pass
+                await session.commit()
+        except Exception:
+            await session.rollback()
+            logging.exception("Failed to save YooKassa payment method preliminarily")
+        try:
+            await payment_dal.update_payment_status_by_db_id(
+                session,
+                payment_db_id=db_payment_record.payment_id,
+                new_status=payment_response_yk.get("status", "pending"),
+                yk_payment_id=payment_response_yk.get("id"),
+            )
+            if selected_method_internal_id is not None:
+                try:
+                    await user_billing_dal.set_user_default_payment_method(
+                        session, user_id, selected_method_internal_id
+                    )
+                except Exception:
+                    logging.exception("Failed to set default payment method after initiating payment")
+            await session.commit()
+        except Exception as e_db_update_ykid:
+            await session.rollback()
+            logging.error(
+                f"Failed to update payment record {db_payment_record.payment_id} with YK ID: {e_db_update_ykid}",
+                exc_info=True,
+            )
+            try:
+                await callback.message.edit_text(get_text("error_payment_gateway_link_failed"))
+            except Exception:
+                pass
+            return False
+
+        try:
+            await callback.message.edit_text(
+                get_text(key="payment_link_message", months=months),
+                reply_markup=get_payment_url_keyboard(
+                    payment_response_yk["confirmation_url"],
+                    current_lang,
+                    i18n,
+                    back_callback=back_callback,
+                    back_text_key="back_to_payment_methods_button",
+                ),
+                disable_web_page_preview=False,
+            )
+        except Exception as e_edit:
+            logging.warning(
+                f"Edit message for payment link failed: {e_edit}. Sending new one."
+            )
+            try:
+                await callback.message.answer(
+                    get_text(key="payment_link_message", months=months),
+                    reply_markup=get_payment_url_keyboard(
+                        payment_response_yk["confirmation_url"],
+                        current_lang,
+                        i18n,
+                        back_callback=back_callback,
+                        back_text_key="back_to_payment_methods_button",
+                    ),
+                    disable_web_page_preview=False,
+                )
+            except Exception:
+                pass
+        return True
+
+    if payment_response_yk and payment_method_id:
+        status_to_store = payment_response_yk.get("status", "pending")
+        try:
+            await payment_dal.update_payment_status_by_db_id(
+                session,
+                payment_db_id=db_payment_record.payment_id,
+                new_status=status_to_store,
+                yk_payment_id=payment_response_yk.get("id"),
+            )
+            if selected_method_internal_id is not None:
+                try:
+                    await user_billing_dal.set_user_default_payment_method(
+                        session, user_id, selected_method_internal_id
+                    )
+                except Exception:
+                    logging.exception("Failed to set default payment method after saved-card payment start")
+            await session.commit()
+        except Exception as e_db_update_saved:
+            await session.rollback()
+            logging.error(
+                f"Failed to update saved-card payment record {db_payment_record.payment_id}: {e_db_update_saved}",
+                exc_info=True,
+            )
+            try:
+                await callback.message.edit_text(get_text("error_payment_gateway"))
+            except Exception:
+                pass
+            return False
+
+        message_text = get_text("yookassa_autopay_charge_initiated")
+        try:
+            await callback.message.edit_text(
+                message_text,
+                reply_markup=get_back_to_main_menu_markup(current_lang, i18n),
+            )
+        except Exception as e_edit:
+            logging.warning(f"Failed to notify about saved-card charge start: {e_edit}")
+            try:
+                await callback.message.answer(
+                    message_text,
+                    reply_markup=get_back_to_main_menu_markup(current_lang, i18n),
+                )
+            except Exception:
+                pass
+        return True
+
+    try:
+        await payment_dal.update_payment_status_by_db_id(
+            session, db_payment_record.payment_id, "failed_creation"
+        )
+        await session.commit()
+    except Exception as e_db_fail_create:
+        await session.rollback()
+        logging.error(
+            f"Additionally failed to update payment record to 'failed_creation': {e_db_fail_create}",
+            exc_info=True,
+        )
+    logging.error(
+        f"Failed to create payment in YooKassa for user {user_id}, payment_db_id {db_payment_record.payment_id}. Response: {payment_response_yk}"
+    )
+    try:
+        await callback.message.edit_text(get_text("error_payment_gateway"))
+    except Exception:
+        pass
+    return False
+
+
 @router.callback_query(F.data.startswith("subscribe_period:"))
 async def select_subscription_period_callback_handler(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession):
     current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
@@ -104,10 +387,7 @@ async def pay_yk_callback_handler(callback: types.CallbackQuery, settings: Setti
 
     try:
         _, data_payload = callback.data.split(":", 1)
-        months_str, price_str = data_payload.split(":")
+    except ValueError:
-        months = int(months_str)
-        price_rub = float(price_str)
-    except (ValueError, IndexError):
         logging.error(f"Invalid pay_yk data in callback: {callback.data}")
         try:
             await callback.answer(get_text("error_try_again"), show_alert=True)
@@ -115,155 +395,403 @@ async def pay_yk_callback_handler(callback: types.CallbackQuery, settings: Setti
             pass
         return
 
+    parsed = _parse_months_and_price(data_payload)
+    if not parsed:
+        logging.error(f"Invalid pay_yk payload structure: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    months, price_rub = parsed
     user_id = callback.from_user.id
-    payment_description = get_text("payment_description_subscription", months=months)
     currency_code_for_yk = "RUB"
-
+    autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
-    payment_record_data = {
+    saved_methods: List = []
-        "user_id": user_id,
+    if autopay_enabled:
-        "amount": price_rub,
-        "currency": currency_code_for_yk,
-        "status": "pending_yookassa",
-        "description": payment_description,
-        "subscription_duration_months": months,
-    }
-
-    db_payment_record = None
-    try:
-        db_payment_record = await payment_dal.create_payment_record(session, payment_record_data)
-        await session.commit()
-        logging.info(
-            f"Payment record {db_payment_record.payment_id} created for user {user_id} with status 'pending_yookassa'."
-        )
-    except Exception as e_db_payment:
-        await session.rollback()
-        logging.error(
-            f"Failed to create payment record in DB for user {user_id}: {e_db_payment}",
-            exc_info=True,
-        )
-        await callback.message.edit_text(get_text("error_creating_payment_record"))
         try:
-            await callback.answer(get_text("error_try_again"), show_alert=True)
+            saved_methods = await user_billing_dal.list_user_payment_methods(
-        except Exception:
+                session, user_id, provider="yookassa"
-            pass
-        return
-
-    if not db_payment_record:
-        await callback.message.edit_text(get_text("error_creating_payment_record"))
-        try:
-            await callback.answer(get_text("error_try_again"), show_alert=True)
-        except Exception:
-            pass
-        return
-
-    yookassa_metadata = {
-        "user_id": str(user_id),
-        "subscription_months": str(months),
-        "payment_db_id": str(db_payment_record.payment_id),
-    }
-    receipt_email_for_yk = settings.YOOKASSA_DEFAULT_RECEIPT_EMAIL
-
-    payment_response_yk = await yookassa_service.create_payment(
-        amount=price_rub,
-        currency=currency_code_for_yk,
-        description=payment_description,
-        metadata=yookassa_metadata,
-        receipt_email=receipt_email_for_yk,
-        # Save method only when autopayments are enabled
-        save_payment_method=bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False)),
-    )
-
-    if payment_response_yk and payment_response_yk.get("confirmation_url"):
-        pm = payment_response_yk.get("payment_method")
-        try:
-            if pm and pm.get("id"):
-                pm_type = pm.get("type")
-                title = pm.get("title")
-                card = pm.get("card") or {}
-                account_number = pm.get("account_number") or pm.get("account")
-                if isinstance(card, dict) and (pm_type or "").lower() in {"bank_card", "bank-card", "card"}:
-                    display_network = card.get("card_type") or title or "Card"
-                    display_last4 = card.get("last4")
-                elif (pm_type or "").lower() in {"yoo_money", "yoomoney", "yoo-money", "wallet"}:
-                    display_network = "YooMoney"
-                    display_last4 = (
-                        account_number[-4:]
-                        if isinstance(account_number, str) and len(account_number) >= 4
-                        else None
-                    )
-                else:
-                    display_network = title or (pm_type.upper() if pm_type else "Payment method")
-                    display_last4 = None
-                await user_billing_dal.upsert_yk_payment_method(
-                    session,
-                    user_id=user_id,
-                    payment_method_id=pm["id"],
-                    card_last4=display_last4,
-                    card_network=display_network,
-                )
-                try:
-                    await user_billing_dal.upsert_user_payment_method(
-                        session,
-                        user_id=user_id,
-                        provider_payment_method_id=pm["id"],
-                        provider="yookassa",
-                        card_last4=display_last4,
-                        card_network=display_network,
-                        set_default=True,
-                    )
-                except Exception:
-                    pass
-                await session.commit()
-        except Exception:
-            await session.rollback()
-            logging.exception("Failed to save YooKassa payment method preliminarily")
-        try:
-            await payment_dal.update_payment_status_by_db_id(
-                session,
-                payment_db_id=db_payment_record.payment_id,
-                new_status=payment_response_yk.get("status", "pending"),
-                yk_payment_id=payment_response_yk.get("id"),
             )
-            await session.commit()
+        except Exception as e_list:
-        except Exception as e_db_update_ykid:
+            logging.exception(f"Failed to load saved payment methods for user {user_id}: {e_list}")
-            await session.rollback()
+            saved_methods = []
-            logging.error(
+
-                f"Failed to update payment record {db_payment_record.payment_id} with YK ID: {e_db_update_ykid}",
+    if autopay_enabled and saved_methods:
-                exc_info=True,
+        try:
+            await callback.message.edit_text(
+                get_text("yookassa_autopay_flow_prompt"),
+                reply_markup=get_yk_autopay_choice_keyboard(
+                    months,
+                    price_rub,
+                    current_lang,
+                    i18n,
+                    has_saved_cards=True,
+                ),
             )
-            await callback.message.edit_text(get_text("error_payment_gateway_link_failed"))
+        except Exception as e_edit:
+            logging.warning(f"Failed to show autopay choice: {e_edit}. Sending new message.")
             try:
-                await callback.answer(get_text("error_try_again"), show_alert=True)
+                await callback.message.answer(
+                    get_text("yookassa_autopay_flow_prompt"),
+                    reply_markup=get_yk_autopay_choice_keyboard(
+                        months,
+                        price_rub,
+                        current_lang,
+                        i18n,
+                        has_saved_cards=True,
+                    ),
+                )
             except Exception:
                 pass
-            return
+        try:
+            await callback.answer()
+        except Exception:
+            pass
+        return
 
+    await _initiate_yk_payment(
+        callback,
+        settings=settings,
+        session=session,
+        yookassa_service=yookassa_service,
+        i18n=i18n,
+        current_lang=current_lang,
+        get_text=get_text,
+        user_id=user_id,
+        months=months,
+        price_rub=price_rub,
+        currency_code_for_yk=currency_code_for_yk,
+        save_payment_method=autopay_enabled,
+        back_callback=f"subscribe_period:{months}",
+    )
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data.startswith("pay_yk_new:"))
+async def pay_yk_new_card_handler(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, yookassa_service: YooKassaService, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    get_text = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    if not i18n or not callback.message:
+        try:
+            await callback.answer(get_text("error_occurred_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    if not yookassa_service or not yookassa_service.configured:
+        logging.error("YooKassa service unavailable for pay_yk_new.")
+        try:
+            await callback.answer(get_text("payment_service_unavailable_alert"), show_alert=True)
+        except Exception:
+            pass
+        try:
+            await callback.message.edit_text(get_text("payment_service_unavailable"))
+        except Exception:
+            pass
+        return
+
+    try:
+        _, data_payload = callback.data.split(":", 1)
+    except ValueError:
+        logging.error(f"Invalid pay_yk_new data in callback: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    parsed = _parse_months_and_price(data_payload)
+    if not parsed:
+        logging.error(f"Invalid pay_yk_new payload structure: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    months, price_rub = parsed
+    user_id = callback.from_user.id
+    currency_code_for_yk = "RUB"
+    autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
+
+    await _initiate_yk_payment(
+        callback,
+        settings=settings,
+        session=session,
+        yookassa_service=yookassa_service,
+        i18n=i18n,
+        current_lang=current_lang,
+        get_text=get_text,
+        user_id=user_id,
+        months=months,
+        price_rub=price_rub,
+        currency_code_for_yk=currency_code_for_yk,
+        save_payment_method=autopay_enabled,
+        back_callback=f"subscribe_period:{months}",
+    )
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data.startswith("pay_yk_saved_list:"))
+async def pay_yk_saved_list_handler(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, yookassa_service: YooKassaService, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    get_text = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    if not i18n or not callback.message:
+        try:
+            await callback.answer(get_text("error_occurred_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
+    if not autopay_enabled:
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    try:
+        _, data_payload = callback.data.split(":", 1)
+    except ValueError:
+        logging.error(f"Invalid pay_yk_saved_list data: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    parts = data_payload.split(":")
+    if len(parts) < 2:
+        logging.error(f"pay_yk_saved_list payload missing components: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    try:
+        months = int(parts[0])
+        price_rub = float(parts[1])
+        page = int(parts[2]) if len(parts) > 2 else 0
+    except (ValueError, IndexError):
+        logging.error(f"pay_yk_saved_list payload parsing error: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    user_id = callback.from_user.id
+    try:
+        saved_methods = await user_billing_dal.list_user_payment_methods(
+            session, user_id, provider="yookassa"
+        )
+    except Exception as e_list:
+        logging.exception(f"Failed to list saved payment methods for user {user_id}: {e_list}")
+        saved_methods = []
+
+    if not saved_methods:
+        try:
+            await callback.message.edit_text(
+                get_text("yookassa_autopay_no_saved_cards"),
+                reply_markup=get_yk_autopay_choice_keyboard(
+                    months,
+                    price_rub,
+                    current_lang,
+                    i18n,
+                    has_saved_cards=False,
+                ),
+            )
+        except Exception as e_edit:
+            logging.warning(f"Failed to display no-saved-card notice: {e_edit}")
+            try:
+                await callback.message.answer(
+                    get_text("yookassa_autopay_no_saved_cards"),
+                    reply_markup=get_yk_autopay_choice_keyboard(
+                        months,
+                        price_rub,
+                        current_lang,
+                        i18n,
+                        has_saved_cards=False,
+                    ),
+                )
+            except Exception:
+                pass
+        try:
+            await callback.answer()
+        except Exception:
+            pass
+        return
+
+    cards: List[Tuple[str, str]] = []
+    for method in saved_methods:
+        title = _format_saved_payment_method_title(
+            get_text, method.card_network, method.card_last4, method.is_default
+        )
+        cards.append((str(method.method_id), title))
+
+    per_page = 5
+    max_page = max(0, (len(cards) - 1) // per_page)
+    page = max(0, min(page, max_page))
+
+    try:
         await callback.message.edit_text(
-            get_text(key="payment_link_message", months=months),
+            get_text("yookassa_autopay_choose_saved_card"),
-            reply_markup=get_payment_url_keyboard(
+            reply_markup=get_yk_saved_cards_keyboard(
-                payment_response_yk["confirmation_url"],
+                cards,
+                months,
+                price_rub,
                 current_lang,
                 i18n,
-                back_callback=f"subscribe_period:{months}",
+                page=page,
-                back_text_key="back_to_payment_methods_button",
             ),
-            disable_web_page_preview=False,
         )
-    else:
+    except Exception as e_edit:
+        logging.warning(f"Failed to display saved card list: {e_edit}")
         try:
-            await payment_dal.update_payment_status_by_db_id(session, db_payment_record.payment_id, "failed_creation")
+            await callback.message.answer(
-            await session.commit()
+                get_text("yookassa_autopay_choose_saved_card"),
-        except Exception as e_db_fail_create:
+                reply_markup=get_yk_saved_cards_keyboard(
-            await session.rollback()
+                    cards,
-            logging.error(
+                    months,
-                f"Additionally failed to update payment record to 'failed_creation': {e_db_fail_create}",
+                    price_rub,
-                exc_info=True,
+                    current_lang,
+                    i18n,
+                    page=page,
+                ),
             )
-        logging.error(
+        except Exception:
-            f"Failed to create payment in YooKassa for user {user_id}, payment_db_id {db_payment_record.payment_id}. Response: {payment_response_yk}"
+            pass
-        )
+    try:
-        await callback.message.edit_text(get_text("error_payment_gateway"))
+        await callback.answer()
+    except Exception:
+        pass
 
+
+@router.callback_query(F.data.startswith("pay_yk_use_saved:"))
+async def pay_yk_use_saved_handler(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, yookassa_service: YooKassaService, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    get_text = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    if not i18n or not callback.message:
+        try:
+            await callback.answer(get_text("error_occurred_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    autopay_enabled = bool(getattr(settings, 'YOOKASSA_AUTOPAYMENTS_ENABLED', False))
+    if not autopay_enabled:
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    if not yookassa_service or not yookassa_service.configured:
+        logging.error("YooKassa service unavailable for pay_yk_use_saved.")
+        try:
+            await callback.answer(get_text("payment_service_unavailable_alert"), show_alert=True)
+        except Exception:
+            pass
+        try:
+            await callback.message.edit_text(get_text("payment_service_unavailable"))
+        except Exception:
+            pass
+        return
+
+    try:
+        _, data_payload = callback.data.split(":", 1)
+    except ValueError:
+        logging.error(f"Invalid pay_yk_use_saved data: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    parts = data_payload.split(":")
+    if len(parts) < 3:
+        logging.error(f"pay_yk_use_saved payload missing components: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    try:
+        months = int(parts[0])
+        price_rub = float(parts[1])
+    except (ValueError, IndexError):
+        logging.error(f"pay_yk_use_saved months/price parsing error: {callback.data}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    method_identifier = parts[2]
+    user_id = callback.from_user.id
+
+    try:
+        saved_methods = await user_billing_dal.list_user_payment_methods(
+            session, user_id, provider="yookassa"
+        )
+    except Exception as e_list:
+        logging.exception(f"Failed to list saved payment methods for user {user_id}: {e_list}")
+        saved_methods = []
+
+    selected_method = None
+    for method in saved_methods:
+        if method_identifier.isdigit():
+            if method.method_id == int(method_identifier):
+                selected_method = method
+                break
+        if method.provider_payment_method_id == method_identifier:
+            selected_method = method
+            break
+
+    if not selected_method:
+        logging.warning(f"Selected payment method not found for user {user_id}: {method_identifier}")
+        try:
+            await callback.answer(get_text("error_try_again"), show_alert=True)
+        except Exception:
+            pass
+        return
+
+    currency_code_for_yk = "RUB"
+
+    await _initiate_yk_payment(
+        callback,
+        settings=settings,
+        session=session,
+        yookassa_service=yookassa_service,
+        i18n=i18n,
+        current_lang=current_lang,
+        get_text=get_text,
+        user_id=user_id,
+        months=months,
+        price_rub=price_rub,
+        currency_code_for_yk=currency_code_for_yk,
+        save_payment_method=False,
+        back_callback=f"pay_yk_saved_list:{months}:{price_rub}",
+        payment_method_id=selected_method.provider_payment_method_id,
+        selected_method_internal_id=selected_method.method_id,
+    )
     try:
         await callback.answer()
     except Exception:

bot/keyboards/inline/user_keyboards.py

@@ -156,6 +156,97 @@ def get_payment_url_keyboard(payment_url: str,
     return builder.as_markup()
 
 
+def get_yk_autopay_choice_keyboard(
+    months: int,
+    price: float,
+    lang: str,
+    i18n_instance,
+    has_saved_cards: bool = True,
+) -> InlineKeyboardMarkup:
+    """Keyboard for choosing between saved card charge or new card payment when auto-renew is enabled."""
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    price_str = str(price)
+    if has_saved_cards:
+        builder.row(
+            InlineKeyboardButton(
+                text=_(key="yookassa_autopay_pay_saved_card_button"),
+                callback_data=f"pay_yk_saved_list:{months}:{price_str}",
+            )
+        )
+    builder.row(
+        InlineKeyboardButton(
+            text=_(key="yookassa_autopay_pay_new_card_button"),
+            callback_data=f"pay_yk_new:{months}:{price_str}",
+        )
+    )
+    builder.row(
+        InlineKeyboardButton(
+            text=_(key="back_to_payment_methods_button"),
+            callback_data=f"subscribe_period:{months}",
+        )
+    )
+    return builder.as_markup()
+
+
+def get_yk_saved_cards_keyboard(
+    cards: List[Tuple[str, str]],
+    months: int,
+    price: float,
+    lang: str,
+    i18n_instance,
+    page: int = 0,
+) -> InlineKeyboardMarkup:
+    """Paginated keyboard for selecting a saved YooKassa card."""
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    per_page = 5
+    total = len(cards)
+    start = page * per_page
+    end = min(total, start + per_page)
+    price_str = str(price)
+
+    for method_id, title in cards[start:end]:
+        builder.row(
+            InlineKeyboardButton(
+                text=title,
+                callback_data=f"pay_yk_use_saved:{months}:{price_str}:{method_id}",
+            )
+        )
+
+    nav_buttons: List[InlineKeyboardButton] = []
+    if start > 0:
+        nav_buttons.append(
+            InlineKeyboardButton(
+                text="⬅️",
+                callback_data=f"pay_yk_saved_list:{months}:{price_str}:{page-1}",
+            )
+        )
+    if end < total:
+        nav_buttons.append(
+            InlineKeyboardButton(
+                text="➡️",
+                callback_data=f"pay_yk_saved_list:{months}:{price_str}:{page+1}",
+            )
+        )
+    if nav_buttons:
+        builder.row(*nav_buttons)
+
+    builder.row(
+        InlineKeyboardButton(
+            text=_(key="yookassa_autopay_pay_new_card_button"),
+            callback_data=f"pay_yk_new:{months}:{price_str}",
+        )
+    )
+    builder.row(
+        InlineKeyboardButton(
+            text=_(key="back_to_autopay_method_choice_button"),
+            callback_data=f"pay_yk:{months}:{price_str}",
+        )
+    )
+    return builder.as_markup()
+
+
 def get_referral_link_keyboard(lang: str,
                                i18n_instance) -> InlineKeyboardMarkup:
     _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)

locales/en.json

@@ -24,6 +24,13 @@
   "choose_payment_method": "Choose payment method:",
   "pay_button": "💳 Pay",
   "pay_with_yookassa_button": "💳 YooKassa",
+  "yookassa_autopay_flow_prompt": "Auto-renew is enabled. Choose how you'd like to pay:",
+  "yookassa_autopay_pay_saved_card_button": "💳 Pay with saved card",
+  "yookassa_autopay_pay_new_card_button": "➕ Pay with new card",
+  "yookassa_autopay_choose_saved_card": "Choose a saved card to charge:",
+  "yookassa_autopay_no_saved_cards": "No saved cards found. Pay with a new card or link one in Payment Methods.",
+  "back_to_autopay_method_choice_button": "⬅️ Back to payment choice",
+  "yookassa_autopay_charge_initiated": "Charge request sent to the selected card. We'll notify you once the payment completes.",
   "pay_with_sbp_button": "📱 SBP",
   "back_to_payment_methods_button": "⬅️ Back to payment methods",
   "pay_with_cryptopay_button": "💎 CryptoBot",
@@ -432,4 +439,4 @@
   "admin_ads_deleted_success": "Campaign deleted.",
   "admin_ads_not_found": "Campaign not found.",
   "free_kassa_order_full": "Order #{order_id} from {date}\n\n"
-}
+}

locales/ru.json

@@ -24,6 +24,13 @@
   "choose_payment_method": "Выберите способ оплаты:",
   "pay_button": "💳 Оплатить",
   "pay_with_yookassa_button": "💳 ЮKassa",
+  "yookassa_autopay_flow_prompt": "Автопродление включено. Выберите, как оплатить подписку:",
+  "yookassa_autopay_pay_saved_card_button": "💳 Оплата привязанной картой",
+  "yookassa_autopay_pay_new_card_button": "➕ Оплата новой картой",
+  "yookassa_autopay_choose_saved_card": "Выберите привязанную карту для списания:",
+  "yookassa_autopay_no_saved_cards": "Сохранённых карт нет. Оплатите новой картой или привяжите карту в разделе «Способы оплаты».",
+  "back_to_autopay_method_choice_button": "⬅️ Назад к выбору способа оплаты",
+  "yookassa_autopay_charge_initiated": "Запрос на списание с выбранной карты отправлен. Сообщим, как только платёж завершится.",
   "pay_with_sbp_button": "📱 СБП",
   "back_to_payment_methods_button": "⬅️ Назад к выбору оплаты",
   "pay_with_cryptopay_button": "💎 CryptoBot",
@@ -432,4 +439,4 @@
   "admin_ads_deleted_success": "Кампания удалена.",
   "admin_ads_not_found": "Кампания не найдена.",
   "free_kassa_order_full": "Заказ №{order_id} от {date}\n\n"
-}
+}