Write the recommended JVM UI test for case CASE-123 mapped to scenario checkout-payment-failure.
First read the shared testing rules and follow the existing nearby test style.
Use the lowest-cost layer that gives useful confidence. If the test changes coverage, update the scenario mapping and confidence note.
Case-specific notes:
- mirror nearby payment failure tests
- cover the error state and retry action
- do not claim full confidence because backend settlement is still manual