Add Scale plan, pay-as-you-go top-ups and auto recharge

[mrmps]

Plans now change only rate limits and included credits, and workspaces can pay as they go.

Plans

• Scale, $200/month: $200 of usage each month, unlimited seats, 100× rate limits (fast 300,000/min · 2,000,000/day). Pro stays $20 / 10×.
• Rate-limit multipliers now come from the plan catalogue (rateLimitMultiplier in src/lib/billing.ts) instead of the hardcoded funded ? 10 : 1, on both the spending path and the legacy path. The unused max tier is removed.
• Checkout is plan-aware; any active paid subscription still routes to the portal to prevent duplicates.
• Reconciliation is generalized across plans: the invoice matcher, grant amount, plan id, downgrade and schedule branches are parameterized. The Pro behavior is byte-compatible for existing subscribers.

Pay as you go

• Top-ups: $5–$1,000 (whole dollars) through Autumn checkout against a new one-off top_up plan ($1 = 100,000 credits). Purchased funds never expire and are credited only after the paid invoice is verified, exactly once per invoice id (app_autumn_topups). Refunds revoke once; consumed usage is not reverse-charged.
• Auto recharge: owner-configurable enable / amount / balance threshold / calendar-month maximum (existing auto_top_up_* columns, finally wired). A claimed attempt row (app_auto_topup_attempts) is the single-flight lock, the one-hour failure cooldown, and the monthly-cap ledger, so concurrent settlements cannot double-charge or exceed the cap. The charge uses billing.attach with redirect_mode: "never" against the saved payment method; crediting always goes through invoice-verified reconciliation. Triggers: post-settlement hook in the spending path + a 5-account scheduled sweep.
• Billing page: Top-up dialog, Exa-style auto-recharge panel (amount / threshold / monthly max, month-used meter, failure alert with a billing.setup_payment link), return-from-checkout refresh.
• New optional Worker secrets AUTUMN_SCALE_PLAN_ID / AUTUMN_TOPUP_PLAN_ID (already set in prod); everything degrades gracefully when unset.

Verified end to end (Autumn sandbox + Stripe test mode, real dev server)

• $10 top-up through hosted checkout with the 4242 test card → invoice-verified grant, idempotent under repeat reconciliation.
• Auto recharge: 3 off-session charges on the saved card, each invoice-verified and attributed auto_top_up; the 4th blocked by the $30/month cap; single-flight and cooldown observed.
• Scale subscription checkout → real $200 invoice matched, billing_plan='scale', +$200 credits, monthly reset set.
• Dashboard, /app/plans, and both /pricing renderings (HTML + plaintext/Markdown) verified.

Production Autumn already has scale and top_up pushed (additive; Pro untouched), and migration 0016_pay_as_you_go.sql applies on deploy.

Tests: 861 pass (14 new: auto-top-up engine, top-up/Scale reconciliation, per-plan rate limits e2e), typecheck and CLI suites green.

🤖 Generated with Claude Code

Summary by CodeRabbit

• New Features
  • Added the Scale plan, with 100× rate limits, alongside Pro’s 10× limits.
  • Added pay-as-you-go credit top-ups from $5 to $1,000, with optional automatic recharges, balance thresholds, and monthly spending caps.
  • Added controls to manage top-ups and automatic recharge from the Credits page. Purchased credits are added after payment is verified and do not expire.
• Documentation
  • Updated pricing and billing information to explain plan allowances, top-ups, and automatic recharge.

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📥 Commits

Reviewing files that changed from the base of the PR and between 43818f8 and 0583a33.

📒 Files selected for processing (31)

• BILLING.md
• autumn.config.ts
• migrations/postgres/0016_pay_as_you_go.sql
• src/docs.ts
• src/features/billing/billing.functions.ts
• src/features/billing/checkout.ts
• src/features/billing/credits.tsx
• src/features/billing/plans.tsx
• src/features/dashboard/app-view.tsx
• src/http/classification.ts
• src/http/spending-classification.ts
• src/index.ts
• src/lib/billing.ts
• src/openapi.ts
• src/pages.ts
• src/pricingui.ts
• src/server.ts
• src/server/agents.ts
• src/server/auto-top-up.ts
• src/server/autumn.ts
• src/server/billing-sync.ts
• src/server/billing.ts
• src/server/contracts.ts
• src/server/db.ts
• src/wellknown.ts
• test/discovery.test.ts
• tests/accounts.test.ts
• tests/auto-top-up.test.ts
• tests/autumn.test.ts
• tests/dashboard-analytics.test.ts
• tests/spending.e2e.test.ts

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