Recover failed payments with a multichannel flow.

The moment payment_status flips to failed (DB or Stripe webhook), Minimo fires WhatsApp first, then email. Stops on payment_status = success.

• Trigger: payment_status = failed (DB column or Stripe webhook)
• Channel: WhatsApp first (98% open), email fallback
• Goal: payment_status = success
• Variations: card update link, founder voice note, Stripe portal CTA