ConnorYoh 3813ca360e PAYG prepaid usage bundles (#7032)
# Prepaid usage bundles

Teams on pay‑as‑you‑go can **buy a year of PDF processing up front, at a
discount** — *"12 months for the price of 10."* You pre‑buy a pool of
credits; they're spent **before** any metered billing and sit
**outside** the monthly spend limit; unused capacity expires after 12
months.

---

## What this PR delivers

**Buy → quote → invoice → pay (Stripe‑Quotes‑native).**
- A team lead sizes the pool in the calculator (persisted as a quote
row), which doubles as the quote page with a **"Download quote (PDF)"**
— the PDF is **Stripe's own rendered quote** (same mechanism procurement
uses), not an app‑generated document.
- **Finalise** turns the accepted quote into an invoice; the lead can
**download the invoice** or **pay online** (Stripe hosted invoice).
**Card and bank‑transfer / PO** are both supported (payment‑method
fork), on net terms.
- The billing page loads the in‑flight quote/invoice on open, so the CTA
resumes the right step (**View quote** / **Pay invoice to complete**)
and offers **Cancel purchase** (voids the invoice + quote and restarts).

**Prepaid is usable on its own — no subscription required.** The
entitlement gate honours a live prepaid pool in both cases:
- *Unsubscribed*: once the one‑time free grant is spent, a live pool
keeps the team **fully entitled** (all feature gates) rather than
degraded.
- *Subscribed*: a team **at/over its metered cap** but holding a live
pool stays fully entitled — prepaid draws are netted out of metered
spend, so the pool genuinely sits outside the cap.

Only when the free grant **and** the prepaid pool are both empty do
billable categories stop.

**Coordinated SaaS change (ships with this — `Stirling-PDF-SaaS` `v3`
branch):** the `invoice.paid` webhook credits the pool idempotently
(keyed on the invoice id) and settles the quote. Metered‑subscription
provisioning is best‑effort and **classified** — a permanent Stripe 4xx
(the single‑use hosted‑invoice card can't be attached) is a claimed
no‑op (HTTP 200, no retry) so Stripe doesn't redeliver forever; only
transient errors (5xx / connection / rate‑limit) retry. A failed credit
now retries rather than silently dropping a paid bundle.

### Flow

1. Lead sizes the pool and agrees to the terms → the browser sends team
+ capacity + consent, **never a price**.
2. A leader‑gated server function looks up the price and creates a
Stripe **quote** (line quantity = capacity).
3. Lead **finalises** → the quote becomes a Stripe **invoice**; download
it or pay online (card or bank transfer).
4. On `invoice.paid`, the webhook **credits the prepaid pool**
(idempotent) and settles the quote.
5. Usage then draws **free grant → prepaid pool → meter**; the pool is
usable with no subscription.

<img width="1280" height="920" alt="01-activation-fork"
src="https://github.com/user-attachments/assets/e8981dc7-809d-4fc5-bfde-71e619096b7b"
/>
<img width="1280" height="920" alt="02-calculator"
src="https://github.com/user-attachments/assets/81f6b886-1797-4c54-ba18-97d126be78e2"
/>
<img width="1120" height="600" alt="03-free-plan"
src="https://github.com/user-attachments/assets/c4057fde-d965-47dd-93e8-f2f0f612aa73"
/>
<img width="1105" height="1285" alt="04-subscribed-prepaid"
src="https://github.com/user-attachments/assets/9d1d0ef1-29d0-4bd4-9c17-ac5f68f88ca8"
/>


---

## In a follow‑up (not this PR)

1. **Authoritative price via an inline fixed‑amount coupon** *(in
progress in a separate PR).* Replace the percentage 12‑for‑10 coupon
with an edge‑function‑computed **`amount_off`** coupon: the invoice
shows a concrete "−$X.00" discount line, the total is deterministic (no
percentage‑rounding drift), and the persisted price becomes
**server‑authoritative**. Money‑mechanism change — needs validation
against the Stripe test env, so it warrants its own testable PR.
2. **Metered auto‑resume when the pool empties.** Save the paying card
at invoice time (`setup_future_usage`) for card payers → real
`charge_automatically`; a cardless `send_invoice` subscription for
bank‑transfer / PO. This makes the "processing continues at the metered
rate" promise true for everyone.
3. **Provisioning idempotency hardening** (SaaS repo). Idempotency key
on subscription creation + a conditional link RPC, so a webhook
redelivery or link‑RPC failure can't create duplicate or orphaned
subscriptions.
4. **Repo‑wide "credits" copy** across *all* of usage & billing (this PR
only makes its own additions consistent).

---

## Known edges (current state)

- **Cardless teams degrade when the pool empties.** An unsubscribed
bundle team that runs the pool dry hits DEGRADED (metered paused), not
automatic metered continuation — because no metered subscription gets
provisioned off a hosted‑invoice card. The consent copy states
processing "continues at the metered rate"; that promise is
intentionally **ahead of the mechanism** (follow‑up 2), and the 12‑month
term is the runway to deliver it. The prepaid capacity itself stays
fully usable in the meantime.
- **In‑app total vs charge can differ by ≤1¢** until follow‑up 1 lands.
The **shared approval document (the Stripe quote PDF) and the actual
invoice are already Stripe‑authoritative**; the persisted price shown
in‑app is still a front‑end estimate (percentage‑coupon rounding), so it
can differ from Stripe by a rounding cent. Resume‑time drift is fixed
(frozen to persisted); exact‑to‑the‑penny parity arrives with the
authoritative‑price follow‑up.
- **Provisioning idempotency is latent, not live.** The
duplicate/orphan‑subscription window only becomes reachable once
card‑linking (follow‑up 2) makes provisioning actually run; hardening is
tracked as follow‑up 3.
- **One job can overshoot the spend cap via a near‑empty pool.** A
subscribed team that has hit its metered cap but still holds a
*nearly‑exhausted* pool is let through (the pool overrides the cap
gate); if a job needs more than the pool has left, the pool drains to
zero and the **remainder meters**, so that single job's remainder can
bill just past the "never past your spend limit" ceiling. Bounded to one
job's overshoot and only at the pool's tail; the alternative — blocking
the job — would strand paid‑for capacity, so this is a deliberate trade.

---

## Testing

- **Java** — `EntitlementServiceTest` (18) incl.
unsubscribed‑live‑pool‑stays‑FULL,
subscribed‑over‑cap‑with‑pool‑stays‑FULL, and lazy‑read guards.
- **Frontend** — `useBundleFlowState` + `Usage` render tests; portal &
SaaS `tsc`; i18n audit; `lint:colors`; toml‑sort; prettier.
- **SaaS webhook** (`v3`) — Deno tests for terminal‑vs‑transient
provisioning classification (rate‑limit treated as retryable),
credit‑error‑retries, and an end‑to‑end no‑storm assertion on the
unusable‑card path.

*Preview:* the checkout runs in a Supabase function in
`Stirling-PDF-SaaS` (`v3`); a live V2 preview is linked in the
auto‑deploy comment below. Screenshots to be refreshed — the checkout
modal changed since the originals.
2026-07-24 12:53:16 +00:00
2026-07-24 09:37:10 +00:00
2026-07-24 12:53:16 +00:00
2026-07-23 08:29:06 +00:00
2026-07-11 12:48:53 +01:00
2026-03-25 11:00:40 +00:00
2026-07-17 10:16:06 +00:00
2026-03-25 11:00:40 +00:00

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