feat(billing): use credit product title as overdraft invoice line item name

[rohilsurana]

What this changes

The monthly credit overdraft invoice shows a hardcoded line item text: "Credit Overdraft".

This PR changes it to use the title of the configured credit overdraft product. If the title is empty, it falls back to "Credit Overdraft" as before.

Why

The finance team wants a proper service description on the invoice line. The token purchase invoice already prints the product title (Stripe uses the product name as the line text). With this change, the overdraft invoice reads from the same field. Operators can then set the wording once, in the product config.

How it works

• Init already loads the overdraft product for its price. It now also stores the product title.
• GenerateForCredits uses that title as the invoice item name.
• The item name becomes the Stripe line description in CreateInProvider.

Notes

• No change if the product has no title: the line still says "Credit Overdraft".
• Invoice reconciliation is not affected. It matches items by type, not by name.

Deploy order

A downstream consumer matches invoice line names against the literal string "Credit Overdraft", so it must be updated first:

1. Merge and deploy pixxelhq/business-data-syncer#28. It makes the Planhat sales sync match overdraft items by type instead of name.
2. Then merge and deploy this PR.
3. Then update the token product title in configs.

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Project	Deployment	Actions	Updated (UTC)
frontier	Ready	Preview, Comment	Jul 13, 2026 3:15pm

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[coveralls]

Coverage Report for CI Build 29261425709

Coverage increased (+0.005%) to 44.881%

Details

• Coverage increased (+0.005%) from the base build.
• Patch coverage: 4 uncovered changes across 1 file (5 of 9 lines covered, 55.56%).
• No coverage regressions found.

Uncovered Changes

File	Changed	Covered	%
billing/invoice/service.go	9	5	55.56%

Coverage Regressions

No coverage regressions found.

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Coverage Stats

Relevant Lines:	37651
Covered Lines:	16898
Line Coverage:	44.88%
Coverage Strength:	12.54 hits per line

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💛 - Coveralls