When a refund fails due to insufficient funds, recommend adding funds to the FROD balance

[csmcneill]

Description

Sometimes, refunds cannot be completed as expected because there are insufficient funds in the WooPayments account. A major culprit is if the refund is for a large value that exceeds the refund overdraft threshold on an account.

The refund overdraft threshold is variable and account-specific, but the response from Stripe looks like this:

{
  "error": {
    "message": "Insufficient funds in your Stripe balance to refund this amount.",
    "message_code": "insufficient_balance_for_refund",
    "request_log_url": "https://dashboard.stripe.com/acct_xxx/logs/req_yyy?t=zzz",
    "type": "invalid_request_error"
  }
}

In this scenario, a merchant needs to increase their balance in order to process the refund. They can wait for more sales to come in, but that may not be an option — especially if they want to stave off a potential dispute. As a result, their best option would be to add funds to their FROD balance.

Adding funds to their FROD balance may take 1–7 business days, but is the only controlled way of preventing delays in refunding customers due to an insufficient balance.

Acceptance criteria

When an account in a country that supports the FROD balance attempts to make a refund but cannot due to an insufficient_balance_for_refund error, they are provided with:

1. A recommendation to add funds to their FROD balance.
2. Documentation about the FROD balance.

Designs

N/A — this could be an order note or use existing messaging elements (e.g, the inline notice in #6373)

Testing instructions

I'm not sure if this can be tested.

Dev notes

Additional context

Lengthy Slack conversation where Happiness and PayOps helped a merchant recover from this issue: p1734562225947899-slack-C03EE4CPPK5