How can I update the failed payment status and redirect for Stripe Checkout in Ruby on Rails?

I have integrated Stripe Checkout Session with Ruby.

RUBYCopied
    session = Stripe::Checkout::Session.create(
      payment_method_types: ['card'],
      line_items: [line_item],
      mode: 'payment',
      success_url: success_url,
      cancel_url: cancel_url
    )

When a payment is successful, the user is redirected to the expected page. However, if a payment error occurs (for example, using a card with insufficient funds), Stripe Checkout displays its standard error message on the same page instead of redirecting. I want to change this behavior. Specifically, I need to redirect users to a different route when a payment fails and update the payment record in the database from pending to failed. Here are my URL definitions:

RUBYCopied
    def success_url
        Rails.application.routes.url_helpers.payment_success_conference_url(
            @conference, booking_slug: @booking.slug)
    end

    def cancel_url
        Rails.application.routes.url_helpers.register_conference_url(@conference)
    end

I also created a method to record bookings and payments at the time of session creation:

RUBYCopied
    def create_payment_from_stripe_session(session)
        # Create a new payment object
        Payment.create!(
            booking_id: @booking.id,
            attendee_id: primary_attendee_id,
            stripe_session_id: session.id,
            amount_total: session.amount_total,
            currency: session.currency,
            payment_intent_id: session.payment_intent,
            customer_email: session.customer_email,
            success_url: session.success_url,
            cancel_url: session.cancel_url,
            payment_link: session.url
          )
    end

In Sandbox, I simulated a failed payment using the insufficient funds card 4000000000009995. Although Stripe updates the payment as failed, the payment record in my database remains marked as pending. While one solution is to add a webhook to listen for events like payment_intent.payment_failed, I’m wondering if there’s any other way to manage and update payment statuses in the database when a payment fails using Stripe Checkout. (Note: I need to handle redirection and database update without Stripe’s default error message display.)