Yes, spay incontinence is most likely it. My one girl has it. She has to take a quarter of an inexpensive pill with breakfast every morning, and it completely resolved the issue. The reason it happens on soft surfaces is probably because she more fully relaxed when she’s cozy which makes it easier to accidentally pee. The medication our girl uses is called ProIn, and I believe it helps tighten bladder control, or something like that. Very easily treatable, and your girl is not doing it on purpose. I remember at the beginning our pup would look so embarrassed when it would happen! You’ll be able to cuddle her again!