Transfer-First - Plinth

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.

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

Settings

Policy knob	Value	Why
Upgrade strategy	Immediate, prorated	Charge now (or await transfer), upgrade now
Downgrade strategy	At period end	Standard — no mid-cycle credits
Grace period	21 days	Bank transfers can take days to initiate. Finance teams, approval chains, and public holidays all create delays. 21 days is realistic.
Dunning retries	4 (for card fallback)	If a card is on file, still retry. Transfer subscriptions stay open during grace.
Plan changes while `past_due`	Allow everything	Customer is waiting for finance to approve the transfer — don’t block them from adjusting their plan
Billing mode	Advance	Invoice at start of period
Max debt	None	Let outstanding invoices accumulate — reconcile periodically

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"}'

await client.tenant.applyPreset('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.