fix(subscription): preselect pay channel before navigation

src/app/chat/hooks/use-chat-unlock-navigation-flow.ts

@@ -15,6 +15,7 @@ import {
   type PendingChatUnlock,
   type PendingChatUnlockKind,
 } from "@/lib/navigation/chat_unlock_session";
+import { getDefaultPayChannelForCountryCode } from "@/lib/payment/default_pay_channel";
 
 import { getInsufficientCreditsSubscriptionType } from "../chat-screen.helpers";
 
@@ -135,10 +136,13 @@ export function useChatUnlockNavigationFlow({
         stage: "payment",
       });
       chatDispatch({ type: "ChatUnlockPaywallNavigationConsumed" });
+      const defaultPayChannel = getDefaultPayChannelForCountryCode(
+        userState.currentUser?.countryCode,
+      );
       router.push(
         ROUTE_BUILDERS.subscription(
           getInsufficientCreditsSubscriptionType(userState.isVip),
-          { returnTo: "chat" },
+          { payChannel: defaultPayChannel, returnTo: "chat" },
         ),
       );
     })();