Who should use this
- API-first products where unpaid usage has a real cost
- Content or media platforms (access = direct revenue lost)
- Services with tight margins where grace periods hurt
- Products with high fraud or chargebacks where you want fast cutoffs
Settings
| Policy knob | Value | Why |
|---|---|---|
| Upgrade strategy | Immediate, prorated | Charge now, upgrade now |
| Downgrade strategy | Immediate credit | Credit the unused amount to customer balance immediately |
| Grace period | 3 days | Short window — clear payment issues fast or lose access |
| Dunning retries | 4 (days +1, +3, +7, +14) | Standard schedule, but grace kicks in sooner after final retry |
Plan changes while past_due | Block all changes | No plan adjustments while an invoice is outstanding |
| Billing mode | Advance | Invoice at start of period |
| Max debt | 0 | No outstanding balance tolerated beyond grace |
Apply
Immediate downgrades issue a credit to the customer’s balance (not a refund to their card). The credit offsets their next invoice automatically.