# Billing & Subscriptions - Manage Your Plan and Payments

**Last Updated**: 2026-03-17
**Version**: 1.0.0

## How It Works

### Access Billing & Subscriptions

Navigate to the Billing & Subscriptions page from Settings Center to view your current plan status, payment history, and account credits balance.

### Review Your Subscription Plan

Check your active subscription tier, next billing date, renewal amount, and expiration details displayed in the subscription card at the top of the page.

### Update Payment Method

Click 'Update Payment Method' to securely change your credit card or payment details through the Stripe-powered payment portal for automatic renewals.

### View Credits and Usage

Monitor your API Credits consumption, remaining balance, and usage breakdown by service type to understand your resource utilization.

### Upgrade or Change Plan

Click 'View Plans' to compare available subscription tiers and upgrade your plan with prorated billing applied automatically for mid-cycle changes.

### Resubscribe After Expiration

If your subscription has lapsed, click 'Resubscribe' to select a new plan and restore access to paid features including supported AI model access and advanced backtesting.

> The Billing & Subscriptions page allows you to manage your subscription plans, payment methods, and monitor credits usage

## Tips & Best Practices

- Keep your payment method up to date to avoid service interruptions — failed renewals will suspend access to premium features within 24 hours

- Review the proration preview before upgrading mid-cycle to understand the exact amount you will be charged for the remainder of the billing period

- Monitor your Credits usage weekly to avoid unexpected depletion, especially when running multiple AI-powered backtests or code generation tasks

## Frequently Asked Questions

### What happens when my subscription expires?

When your subscription expires, paid features such as supported AI model access, advanced backtesting, and code generation become unavailable. Your saved strategies and historical data are preserved according to the platform data-retention policy and will be accessible again once you resubscribe.

### How does proration work when upgrading mid-cycle?

When you upgrade your plan mid-billing-cycle, Stripe calculates the prorated difference between your current plan and the new plan for the remaining days. You only pay the difference, and the new plan takes effect immediately.

### What is the 7-Day Risk-Free Guarantee?

New subscribers are eligible for a full refund within the first 7 days if they have used less than 15% of their first-month credits quota. This guarantee applies once per account and is processed automatically upon request.

### Can I update my payment method while my subscription is active?

Yes, you can update your payment method at any time while your subscription is active and set to auto-renew. Click the 'Update Payment Method' button to open the secure Stripe portal where you can add a new card.

## Important Notes

> Subscription payments are processed automatically through Stripe. Ensure sufficient funds are available to prevent service interruption. Contact support if you experience billing discrepancies or need assistance with refund requests.

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Source: https://stratcraft.ai/help/billing-subscriptions/