- prepayment as DISCOUNT: live API rejects PRE_PAYMENT with 400 third_party.generic
- normalize lowercase ETTN statuses returned by the live API
- show Checkbox error code instead of bare 'Internal Server Error'
- page size 50 for ETTN list, 429 rate limit is retryable, pause polling on it
- phone in 380XXXXXXXXX format like portal receipts
Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>