Raised when a Stripe PaymentIntent or SetupIntent transitions to
requires_action (SCA / 3DS). The :payment_intent field carries the
full PaymentIntent payload so callers can extract client_secret and
drive the Stripe.js confirmation flow on the frontend.
This is a distinct exception from Accrue.CardError because it is NOT
a failure — the charge is still recoverable, it just needs the
customer to complete an authentication step.