[Home - For You] Tighten payment card required cases

[grgia]

Explanation of Change

Only show the payment card time sensitive block to users on the new pricing plan.

https://expensify.slack.com/archives/C07HPDRELLD/p1772800036912489?thread_ts=1772658998.159109&cid=C07HPDRELLD

Confirmed no longer showing on my account:

Fixed Issues

$ #84767

Tests

• Verify that no errors appear in the JS console

Offline tests

QA Steps

// TODO: These must be filled out, or the issue title must include "[No QA]."

• Verify that no errors appear in the JS console

QA Steps

1) Grandfathered user, trial ended, no payment card

Setup

• Use (or create) a workspace created before the Team 2025 pricing start date (grandfathered).
• Trial is ended.
• No payment method on file.

Steps

1. Open the app.
2. Go to the Home tab.

Expected

• The Add Payment Card time-sensitive section does not appear in the Time Sensitive offers area.

---

2) New user, trial ended, no payment card

Setup

• Use an account which is >1 month old. I.e. a workspace on Team 2025 pricing where the trial has ended.
  • Example: first policy created on or after the cutoff, or manual override set.
• Trial is ended.
• No payment method on file.

Steps

1. Open the app.
2. Go to the Home tab.

Expected

• The Add Payment Card time-sensitive section does appear.

---

3) Any user, trial not ended

Setup

• Use any workspace where the free trial is still active (grandfathered or Team 2025).

Steps

1. Open the app.
2. Go to the Home tab.

Expected

• The Add Payment Card section does not appear.

---

4) Any user, payment card already added

Setup

• Use any workspace where:
  • Trial is ended
  • A payment card is already on file

Steps

1. Open the app.
2. Go to the Home tab.

Expected

• The Add Payment Card section does not appear.

4) Any user, payment is via invoice feature

Setup

• Use any workspace where:
  • Trial is ended
  • User has invoice pay
  • No payment card

Steps

1. Open the app.
2. Go to the Home tab.

Expected

• The Add Payment Card section does not appear.

PR Author Checklist

• I linked the correct issue in the ### Fixed Issues section above
• I wrote clear testing steps that cover the changes made in this PR
  • I added steps for local testing in the Tests section
  • I added steps for the expected offline behavior in the Offline steps section
  • I added steps for Staging and/or Production testing in the QA steps section
  • I added steps to cover failure scenarios (i.e. verify an input displays the correct error message if the entered data is not correct)
  • I turned off my network connection and tested it while offline to ensure it matches the expected behavior (i.e. verify the default avatar icon is displayed if app is offline)
  • I tested this PR with a High Traffic account against the staging or production API to ensure there are no regressions (e.g. long loading states that impact usability).
• I included screenshots or videos for tests on all platforms
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  • iOS: Native
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• If the PR modifies the UI (e.g. new buttons, new UI components, changing the padding/spacing/sizing, moving components, etc) or modifies the form input styles:
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Screenshots/Videos

Android: Native

Android: mWeb Chrome

iOS: Native

iOS: mWeb Safari

MacOS: Chrome / Safari

[github-actions]

🚧 @grgia has triggered a test Expensify/App build. You can view the workflow run here.

[codecov]

Codecov Report

✅ Changes either increased or maintained existing code coverage, great job!

Files with missing lines	Coverage Δ
src/ONYXKEYS.ts	100.00% <ø> (ø)
src/libs/SubscriptionUtils.ts	81.95% <100.00%> (+2.06%)	⬆️
...meSensitiveSection/hooks/useTimeSensitiveOffers.ts	100.00% <100.00%> (ø)
src/selectors/Account.ts	100.00% <100.00%> (ø)
.../settings/Subscription/CardSection/CardSection.tsx	0.00% <0.00%> (ø)
... and 6 files with indirect coverage changes

[melvin-bot]

@Gonals Please copy/paste the Reviewer Checklist from here into a new comment on this PR and complete it. If you have the K2 extension, you can simply click: [this button]

[trjExpensify]

Discussing here, I'm not sure the team pricing check is the right one to suppress this time sensitive prompt. I think it's:

• Grandfathered users who are exempt from billing (NVP)
• Internal domains that are skipped in the billing logic (List of domains)

[ZhenjaHorbach]

Let's add tests for this util!

[ZhenjaHorbach]

Reviewer Checklist

• I have verified the author checklist is complete (all boxes are checked off).
• I verified the correct issue is linked in the ### Fixed Issues section above
• I verified testing steps are clear and they cover the changes made in this PR
  • I verified the steps for local testing are in the Tests section
  • I verified the steps for Staging and/or Production testing are in the QA steps section
  • I verified the steps cover any possible failure scenarios (i.e. verify an input displays the correct error message if the entered data is not correct)
  • I turned off my network connection and tested it while offline to ensure it matches the expected behavior (i.e. verify the default avatar icon is displayed if app is offline)
• I checked that screenshots or videos are included for tests on all platforms
• I included screenshots or videos for tests on all platforms
• I verified that the composer does not automatically focus or open the keyboard on mobile unless explicitly intended. This includes checking that returning the app from the background does not unexpectedly open the keyboard.
• I verified tests pass on all platforms & I tested again on:
  • Android: HybridApp
  • Android: mWeb Chrome
  • iOS: HybridApp
  • iOS: mWeb Safari
  • MacOS: Chrome / Safari
• If there are any errors in the console that are unrelated to this PR, I either fixed them (preferred) or linked to where I reported them in Slack
• I verified proper code patterns were followed (see Reviewing the code)
  • I verified that any callback methods that were added or modified are named for what the method does and never what callback they handle (i.e. toggleReport and not onIconClick).
  • I verified that comments were added to code that is not self explanatory
  • I verified that any new or modified comments were clear, correct English, and explained "why" the code was doing something instead of only explaining "what" the code was doing.
  • I verified any copy / text shown in the product is localized by adding it to src/languages/* files and using the translation method
  • I verified all numbers, amounts, dates and phone numbers shown in the product are using the localization methods
  • I verified any copy / text that was added to the app is grammatically correct in English. It adheres to proper capitalization guidelines (note: only the first word of header/labels should be capitalized), and is either coming verbatim from figma or has been approved by marketing (in order to get marketing approval, ask the Bug Zero team member to add the Waiting for copy label to the issue)
  • I verified proper file naming conventions were followed for any new files or renamed files. All non-platform specific files are named after what they export and are not named "index.js". All platform-specific files are named for the platform the code supports as outlined in the README.
  • I verified the JSDocs style guidelines (in STYLE.md) were followed
• If a new code pattern is added I verified it was agreed to be used by multiple Expensify engineers
• I verified that this PR follows the guidelines as stated in the Review Guidelines
• I verified other components that can be impacted by these changes have been tested, and I retested again (i.e. if the PR modifies a shared library or component like Avatar, I verified the components using Avatar have been tested & I retested again)
• I verified all code is DRY (the PR doesn't include any logic written more than once, with the exception of tests)
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  • The style can't be created with an existing StyleUtils function (i.e. StyleUtils.getBackgroundAndBorderStyle(theme.componentBG)
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• If the PR modifies a component or page that can be accessed by a direct deeplink, I verified that the code functions as expected when the deeplink is used - from a logged in and logged out account.
• If the PR modifies the UI (e.g. new buttons, new UI components, changing the padding/spacing/sizing, moving components, etc) or modifies the form input styles:
  • I verified that all the inputs inside a form are aligned with each other.
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• If a new page is added, I verified it's using the ScrollView component to make it scrollable when more elements are added to the page.
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Screenshots/Videos

Android: HybridApp

Android: mWeb Chrome

iOS: HybridApp

iOS: mWeb Safari

MacOS: Chrome / Safari

[ZhenjaHorbach]

LGTM!

[melvin-bot]

@dangrous Please copy/paste the Reviewer Checklist from here into a new comment on this PR and complete it. If you have the K2 extension, you can simply click: [this button]

[melvin-bot]

🎯 @ZhenjaHorbach, thanks for reviewing and testing this PR! 🎉

An E/App issue has been created to issue payment here: #84870.

[dangrous]

Is this still WIP or ready for review?

[ZhenjaHorbach]

Oh
Sorry
I thought it was ready for review since there were a few commits after this comment 😅

[grgia]

@ZhenjaHorbach good to go now, I'm just going to hold merging on web deploy

[grgia]

JK its on staging now!

[grgia]

Ready for review

[melvin-bot]

@nkuoch Please copy/paste the Reviewer Checklist from here into a new comment on this PR and complete it. If you have the K2 extension, you can simply click: [this button]

[Copilot]

Pull request overview

This PR tightens the conditions for showing the “Add Payment Card” time-sensitive offer on Home (and aligns the subscription banner logic) so it only appears for users who actually need to add a billing card—specifically targeting Team 2025 pricing and excluding grandfathered/internal/invoiced cases.

Changes:

• Gate the Home “Add payment card” offer behind Team 2025 pricing and a consolidated shouldShowTrialEndedUI() decision helper.
• Add shouldShowTrialEndedUI() in SubscriptionUtils and cover it with unit tests (owned paid policy, trial-ended, no card, not grandfathered/internal/invoicing).
• Introduce Onyx/state plumbing for isFromInternalDomain and nvp_private_grandfatheredFree, and use them in the UI decision.

Reviewed changes

Copilot reviewed 8 out of 8 changed files in this pull request and generated no comments.

Show a summary per file

File	Description
src/pages/home/TimeSensitiveSection/hooks/useTimeSensitiveOffers.ts	Uses Team 2025 pricing + shouldShowTrialEndedUI() and new Onyx flags to decide whether to show the “Add payment card” offer.
src/libs/SubscriptionUtils.ts	Adds shouldShowTrialEndedUI() helper encapsulating trial-ended/banner eligibility checks.
src/pages/settings/Subscription/CardSection/CardSection.tsx	Aligns subscription banner display logic with shouldShowTrialEndedUI().
src/types/onyx/Account.ts	Adds isFromInternalDomain to the Account Onyx type.
src/selectors/Account.ts	Adds isFromInternalDomainSelector for selector-based Onyx subscriptions.
src/ONYXKEYS.ts	Adds NVP_PRIVATE_GRANDFATHERED_FREE Onyx key and typing.
tests/unit/hooks/useTimeSensitiveOffers.test.ts	Updates hook tests to validate new add-payment-card gating and dependency call into shouldShowTrialEndedUI().
tests/unit/SubscriptionUtilsTest.ts	Adds unit tests for shouldShowTrialEndedUI() across the key scenarios.

---

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---

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platform	result
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🍎 iOS 🍎	success ✅

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🚀 Deployed to staging by https://github.com/Gonals in version: 9.3.40-0 🚀

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