Two open PRs rewrite the same retry logic in payments-service

#482 and #491 both change backoff in client.ts. Neither author has seen the other.

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#482 and #491 both change backoff in client.ts. Neither author has seen the other.

The linked PR merged into release/2.3, which hasn't deployed since Sep 12.

Priya asked if session refresh can be disabled for internal tools. You wrote that code.

checkout.spec › applies coupon failed 11 of the last 40 runs, always on the same runner image.

Three issues added after kickoff account for most of it. Two have no activity.

charges.create is removed in the v14 upgrade scheduled in ENG-1188.

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