From Settings → Billing → Manage subscription the app opens the Stripe-hosted Customer Portal. From there you can switch plans, cancel, update your payment method, and download past invoices — no support ticket required.
Upgrades (e.g. Growth → Agency)
Take effect immediately. Stripe charges a prorated amount for the remainder of the current cycle. We grant the credit-allowance difference instantly — for Growth → Agency that’s 1000 − 200 = 800 credits added to your balance the moment Stripe confirms the payment.
Downgrades (e.g. Agency → Growth)
Take effect at the end of your current billing cycle. You keep the higher tier’s features and your existing balance until then. After downgrade, future renewals grant the new (lower) plan’s monthly allowance — your balance is never reduced when you downgrade.
Cancellation
Pick Cancel subscription in the portal. Default behavior is “cancel at end of period” — you keep access (and existing credits) until the current paid period ends, then drop to Free. No refund is issued for the partial cycle. See the refund policy for first-invoice refund eligibility.
What happens on the back end
Stripe fires webhooks (customer.subscription.updated, invoice.paid, etc.) which our API handles idempotently. Plan changes mirror into User.plan immediately; credit grants land within a few seconds. The Settings → Billing card auto-refreshes after a Portal return so the new state shows up without a manual reload.