> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useplinth.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing presets

> Named policy bundles. Pick one and your billing behaviour is configured. Change individual knobs later if you want.

A preset is a named set of billing rules. Instead of configuring 7 separate policy knobs, you pick a preset that fits your business model and you're done. You can always override individual settings afterward.

## The five presets

<CardGroup cols={2}>
  <Card title="SaaS-Standard" icon="star" href="/presets/saas-standard">
    **Recommended starting point.** Immediate upgrades, downgrades at period end, 7-day grace, block changes while past due.
  </Card>

  <Card title="Lenient" icon="hand" href="/presets/lenient">
    For B2B or high-value customers where churn is costly. 14-day grace, no change restrictions.
  </Card>

  <Card title="Strict" icon="shield" href="/presets/strict">
    For services where access is tightly tied to payment. 3-day grace, block all plan changes while past due.
  </Card>

  <Card title="Transfer-First" icon="building-columns" href="/presets/transfer-first">
    For customer bases that primarily pay by bank transfer. 21-day grace window, very lenient dunning.
  </Card>

  <Card title="Postpaid / Arrears" icon="calendar" href="/presets/postpaid">
    Arrears billing mode, 14-day grace. For enterprise contracts and usage-based models.
  </Card>
</CardGroup>

## Comparison

| Preset             | Upgrade timing      | Downgrade timing | Grace period | While past due    |
| ------------------ | ------------------- | ---------------- | ------------ | ----------------- |
| SaaS-Standard      | Immediate, prorated | At period end    | 7 days       | Block upgrades    |
| Lenient            | At period end       | At period end    | 14 days      | Allow everything  |
| Strict             | Immediate, prorated | Immediate credit | 3 days       | Block all changes |
| Transfer-First     | Immediate, prorated | At period end    | 21 days      | Allow everything  |
| Postpaid / Arrears | Immediate, prorated | At period end    | 14 days      | Block upgrades    |

## Apply a preset

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST https://api.useplinth.com/v1/tenant/apply-preset \
    -H "Authorization: Bearer sk_test_DOCS_SHARED_KEY" \
    -H "Content-Type: application/json" \
    -d '{"preset": "saas_standard"}'
  ```

  ```typescript Node.js theme={null}
  await client.tenant.applyPreset('saas_standard');
  ```
</CodeGroup>

Valid preset names: `saas_standard`, `lenient`, `strict`, `transfer_first`, `postpaid`.

## Override individual knobs

`PUT /v1/policy` to change any knob without switching preset:

| Knob                           | Values                                        | Controls                                                        |
| ------------------------------ | --------------------------------------------- | --------------------------------------------------------------- |
| `activation_strategy`          | `activate_then_charge` · `charge_to_activate` | Access before vs after first payment                            |
| `upgrade_strategy`             | `immediate_prorated` · `at_period_end`        | When an upgrade takes effect                                    |
| `downgrade_strategy`           | `at_period_end` · `immediate_credit`          | When a downgrade takes effect                                   |
| `change_during_dunning`        | `gate_upgrades` · `block_all` · `allow_all`   | Plan changes while past due                                     |
| `cancel_policy`                | `end_of_period` · `immediate`                 | When a cancel takes effect                                      |
| `grace_days`                   | integer                                       | Grace window before `delinquent`                                |
| `allow_multiple_subscriptions` | `false` (default) · `true`                    | Allow a customer more than one live subscription per plan-group |

```bash theme={null}
curl -X PUT https://api.useplinth.com/v1/policy \
  -H "Authorization: Bearer sk_test_DOCS_SHARED_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "cancel_policy": "immediate", "grace_days": 3 }'
```

## After applying

The preset updates your TenantPolicy. Existing subscriptions aren't affected retroactively — only new billing cycles apply the new rules. If you need to change behaviour for an in-flight subscription, contact support or use a per-subscription override.