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Transfer-First is designed for products where bank transfer is the dominant payment method — corporate customers, public sector, or any segment where cards are uncommon or distrusted. The long grace period accounts for the reality that bank transfers can take days to initiate through finance team approval chains.

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Who should use this

  • B2B SaaS selling to Nigerian corporate and enterprise customers
  • Products where customers explicitly prefer bank transfer over card
  • Services sold to government agencies or large institutions
  • Any product using the Transfer billing rail for most subscriptions

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Settings

Policy knobValueWhy
Upgrade strategyImmediate, proratedCharge now (or await transfer), upgrade now
Downgrade strategyAt period endStandard — no mid-cycle credits
Grace period21 daysBank transfers can take days to initiate. Finance teams, approval chains, and public holidays all create delays. 21 days is realistic.
Dunning retries4 (for card fallback)If a card is on file, still retry. Transfer subscriptions stay open during grace.
Plan changes while past_dueAllow everythingCustomer is waiting for finance to approve the transfer — don’t block them from adjusting their plan
Billing modeAdvanceInvoice at start of period
Max debtNoneLet outstanding invoices accumulate — reconcile periodically

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Apply

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": "transfer_first"}'
With a 21-day grace period, customers have access well into the next billing cycle while their payment is pending. This is intentional — cutting off a corporate customer because their AP team is slow will cost you the account. Monitor the subscription.grace webhook and follow up via your account management process rather than automated cutoffs.