feat(payments): persist helcimCustomerCode + skip getOrCreateCustomer on card-on-file

app/composables/useMemberPayment.js

@@ -25,17 +25,45 @@ export const useMemberPayment = () => {
     paymentSuccess.value = false
 
     try {
-      // Skip HelcimPay verify if a card's already on file — Helcim refuses
-      // to re-save it, breaking retries after a partial-failed signup.
-      const [, existing] = await Promise.all([
-        getOrCreateCustomer(),
-        $fetch('/api/helcim/existing-card').catch((err) => {
+      // Fast-path: when both Helcim ids are already cached on the member doc
+      // AND a card's on file, we can skip the paid getOrCreateCustomer round
+      // trip entirely and go straight to subscription creation.
+      const hasCachedHelcimIds = Boolean(
+        memberData.value?.helcimCustomerId && memberData.value?.helcimCustomerCode
+      )
+
+      let existing = null
+      let probedExistingCard = false
+      let cardToken = null
+
+      if (hasCachedHelcimIds) {
+        existing = await $fetch('/api/helcim/existing-card').catch((err) => {
           console.warn('[payment] existing-card lookup failed, falling back to verify flow:', err)
           return null
-        }),
-      ])
+        })
+        probedExistingCard = true
+        if (existing?.cardToken) {
+          customerId.value = memberData.value.helcimCustomerId
+          customerCode.value = memberData.value.helcimCustomerCode
+          cardToken = existing.cardToken
+        }
+      }
 
-      let cardToken = existing?.cardToken || null
+      if (!cardToken) {
+        // Skip HelcimPay verify if a card's already on file — Helcim refuses
+        // to re-save it, breaking retries after a partial-failed signup.
+        const [, existingFromFull] = await Promise.all([
+          getOrCreateCustomer(),
+          probedExistingCard
+            ? Promise.resolve(existing)
+            : $fetch('/api/helcim/existing-card').catch((err) => {
+                console.warn('[payment] existing-card lookup failed, falling back to verify flow:', err)
+                return null
+              }),
+        ])
+
+        cardToken = existingFromFull?.cardToken || null
+      }
 
       if (!cardToken) {
         await initializeHelcimPay(