Disclaimer: I work at Stripe. I use Stripe Billing. I opted to use Checkout so I don’t have to build the UX for subscribing/checkout. Stripe handles the paymen

Disclaimer: I work at Stripe. I use Stripe Billing. I opted to use Checkout so I don’t have to build the UX for subscribing/checkout. Stripe handles the payment collection and fraud protection. I opted to prorate cancellations to simplify the customer experience. I built the cancellation UX on my own since Checkout doesn’t (yet) support this. I haven’t yet built the UX to change plans. For your specific case, it might make sense to track your internal credits separately from payment. When payment is made, add credits to the user’s account. Remove credits when a refund occurs.