Three layers were dropping the markup: the save path was already relaxed to wp_kses_post via schema sanitize_type html, but the runtime output re-filtered more through the narrow equity whitelist (h/img/hr/table stripped), and pay-vip.js inserted it with node() whose textContent showed the tags as literal text. The card-pass desc had the same output-side strip despite its save-side fix.
- PaymentRuntime: more and pay_vip_pass_charge_desc now output via wp_kses_post, matching the save-time level (repo precedent: revenue note, after-sale desc)
- pay-vip.js: new htmlNode() helper (innerHTML) for server-sanitized rich text; more and cardPass.desc use it, plain-text fields keep node()
Verification: 3 new contract tests cover output-level kses and innerHTML rendering; node --test tests/**/*.test.cjs 640/640 pass; php -l and node --check clean.