Stripe for AI platforms: subscriptions and credits in LetsAI

LetsAI isn't a classic SaaS. A video generation costs 10x more than an image. A flat subscription wouldn't make sense. Chosen model: base subscription with monthly credits included + extra credits on-demand. Stripe handles both with different Products and Prices. Subscription = monthly Subscription. Extra credits = one-shot Payment Intent. 60% of revenue from subscriptions, 40% from extra credits — healthy mix.

With Stripe 90% of logic is in webhooks. Payment ok → Stripe sends event to server. Miss it, user paid without credits. Process twice, double credits. We handle: checkout.session.completed (credit), invoice.payment_succeeded (renewal), invoice.payment_failed (3-day grace period), customer.subscription.deleted (downgrade). Every webhook verified with Stripe signature, processed idempotently. Same event twice → ignored via event ID. Golden rule: log everything. When a user says "I paid but no credits" you must reconstruct in 2 minutes.

We had a custom form with Stripe Elements. Beautiful, branded. Abandonment rate: 35%. Switched to Stripe Checkout (hosted): abandonment dropped to 12%. Users recognize Stripe, trust it. Apple Pay, Google Pay, saved cards — all included. 23% more conversions is worth much more than a form that "looks like ours". Only customization: metadata in Checkout Session (user_id, plan, credits) for the webhook.

Tutorials end at "payment completed". Problems come after. Disputes: 7 days to respond with evidence. We auto-save generation logs, usage timestamps, result screenshots. We win 90% of disputes. Refunds: unused credits → full refund. Used → proportional. Automatic calculation via PostgreSQL + Stripe API. Prevention: Stripe Radar active + block accounts with >3 disputes in 6 months. A dispute costs €15 fee plus account risk.