diff --git a/src/components/mika/PaymentIssueBanner.tsx b/src/components/mika/PaymentIssueBanner.tsx
new file mode 100644
index 0000000..bd055cc
--- /dev/null
+++ b/src/components/mika/PaymentIssueBanner.tsx
@@ -0,0 +1,94 @@
+"use client";
+
+import { useState } from "react";
+import { AlertTriangle, ExternalLink, Loader2 } from "lucide-react";
+import { toast } from "sonner";
+import { supabase } from "@/integrations/supabase/client";
+import { useSubscription } from "@/hooks/use-profile";
+import { Button } from "@/components/ui/button";
+
+/**
+ * Persistent banner shown at the top of the dashboard when the user's
+ * subscription status indicates a payment problem (past_due / unpaid).
+ *
+ * Provides a one-click action to open the Paddle customer portal so the
+ * user can update their payment method.
+ */
+export function PaymentIssueBanner() {
+  const { data: subscription } = useSubscription();
+  const [loading, setLoading] = useState(false);
+
+  const status = subscription?.status;
+  const showBanner = status === "past_due" || status === "unpaid";
+
+  if (!showBanner) return null;
+
+  const isUnpaid = status === "unpaid";
+
+  const openPortal = async () => {
+    setLoading(true);
+    try {
+      const { data, error } = await supabase.functions.invoke("create-portal-session");
+      if (error || !data?.url) {
+        toast.error("Não foi possível abrir o portal. Tente novamente.");
+        return;
+      }
+      window.open(data.url, "_blank", "noopener,noreferrer");
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  return (
+    <div
+      role="alert"
+      aria-live="polite"
+      className={
+        isUnpaid
+          ? "border-b border-destructive/30 bg-destructive/10"
+          : "border-b border-amber-500/30 bg-amber-500/10"
+      }
+    >
+      <div className="mx-auto max-w-6xl px-4 sm:px-6 py-3 flex flex-col sm:flex-row sm:items-center gap-3">
+        <div className="flex items-start gap-3 flex-1 min-w-0">
+          <AlertTriangle
+            className={
+              "h-5 w-5 shrink-0 mt-0.5 " +
+              (isUnpaid ? "text-destructive" : "text-amber-600 dark:text-amber-500")
+            }
+          />
+          <div className="min-w-0">
+            <p
+              className={
+                "text-sm font-semibold " +
+                (isUnpaid ? "text-destructive" : "text-amber-700 dark:text-amber-400")
+              }
+            >
+              {isUnpaid
+                ? "Sua assinatura está sem pagamento"
+                : "Pagamento pendente na sua assinatura"}
+            </p>
+            <p className="text-xs sm:text-sm text-muted-foreground mt-0.5">
+              {isUnpaid
+                ? "Regularize o pagamento para reativar o acesso completo aos recursos."
+                : "Atualize seu método de pagamento para evitar a suspensão do serviço."}
+            </p>
+          </div>
+        </div>
+        <Button
+          size="sm"
+          onClick={openPortal}
+          disabled={loading}
+          className="shrink-0 rounded-lg bg-primary hover:bg-primary-dark text-primary-foreground"
+        >
+          {loading ? (
+            <Loader2 className="h-4 w-4 mr-2 animate-spin" />
+          ) : (
+            <ExternalLink className="h-4 w-4 mr-2" />
+          )}
+          Atualizar pagamento
+        </Button>
+      </div>
+    </div>
+  );
+}