Support backup card authorization for large ACH payments

For large ACH payments, capture a backup card authorization that can be charged automatically if the ACH later fails.

Transcript Context

The transcript discussed the operational pain caused by failed large ACH payments and the risk they create for accounts receivable. Josh suggested adding a threshold-based flow where, for payments above a configurable amount such as $1,500 or $2,000, a client choosing ACH would also provide a card authorization during the payment journey. If the ACH later failed, the system could automatically charge the saved card token instead of forcing manual collection. The discussion also covered waiving the technology fee in that scenario and using the feature selectively based on payment size.