Subscriptions
The same bill, on a schedule.
Set an amount and a rhythm. Moneybag raises the invoice every cycle and emails your customer a payment page — with trials, arrears billing, and a webhook for each turn of it.
How a cycle runs
Moneybag raises it. Your customer pays it.
Four steps, and only the first two are yours.
- 01
Once
You describe the plan
An amount, how often it repeats, and whether it opens with a trial. A plan is a template — one subscription can override any of it.
- repeats
- day · week · month · year
- multiplier
- 1 – 365
- 02
Per customer
You start a subscription
Against someone in your customer book, or a record created with it — from the dashboard or over the API.
- first cycle
- billed at once
- with a trial
- billed at trial end
- 03
Every cycle
Moneybag raises the invoice
On the billing date, or a set number of days before it, an invoice is raised and your customer is emailed a payment page.
- invoice
- automatic
- automatic
- 04
When they pay
The cycle closes and the next one is dated
They pay on the ordinary Moneybag checkout. The invoice marks itself paid, the period rolls forward, and your server hears about it.
- methods
- all eleven
- result
- signed webhook
There is no card on file
Moneybag does not hold your customer's card or wallet and does not debit them while they are away — each cycle asks them again, on the same hosted checkout everything else here runs through. That is a real difference from a card-on-file gateway, and worth knowing before you build against it. It is also why every method stays open every cycle, and why a customer who changes card has nothing to update.
What a plan decides
Six dials, and a template you can break
-
The amount
From ৳10 upwards, in Bangladeshi Taka — and one subscription may carry a different figure from its plan.
-
How often it repeats
A number and a unit — days, weeks, months or years — so every second week is an ordinary plan, not a special case.
-
Ahead, or in arrears
Prepaid bills at the start of a period for the period coming, like a membership. Postpaid bills at the end for the period just used, like a utility bill.
-
When the invoice goes out
On the billing date, or a chosen number of days before it — never a full period early, and never dragging the billing date with it.
-
Who it belongs to
An existing customer of yours, or one created as the subscription is. The invoice is addressed to them.
-
Whether it is still offered
A plan can be archived and brought back — but never re-priced or deleted while subscriptions are running on it. Nobody's bill changes underneath them.
Paid on the same checkout
-
Visa -
Mastercard -
American Express -
UnionPay -
Diners Club -
DBBL Nexus -
bKash -
Nagad -
Rocket -
upay -
tap
A subscription payment is an ordinary payment. It settles on the cycle agreed in your merchant agreement, released by a person.
Trials
It ends on a date, and they are told first
A trial runs for a set number of days. Leave the trial amount empty and it is free; put a figure in it and it is a paid trial.
- Seven days out, three days out and one day out, your customer gets an email and your server gets a webhook.
- Each is stamped once sent, so a missed run catches up rather than sending twice — and a warning that cannot fit is skipped, so a five-day trial gets the three-day and one-day notices only.
- The whole set can be switched off per plan, if you would rather send your own. On an arrears plan the trial does not end in a bill at all — it opens the first period to be consumed, and the invoice comes after it.
When a cycle goes unpaid
Ask again, then stop asking
A missed cycle is not silence. Moneybag works a fixed ladder, tells your customer where they are on it, and ends the subscription rather than letting it hang.
- +4h · +24h · +72h
The link goes out again
Three re-sends of the same invoice at widening gaps. Nothing is re-charged, because nothing was charged.
- 3 misses
Past due
The subscription moves to PAST_DUE and a warning email tells the customer what happens next.
- Grace days
Cancelled
A daily sweep cancels anything past due longer than the plan's grace period — seven days unless you set another number.
- Or straight away
One strike
A plan can cancel on the first failed cycle instead, skipping the ladder.
Cancelling is not refunding. It stops the invoices that have not been raised yet; it does not return money already paid. Moneybag does not refund a subscription charge, so anything owed back is settled between you and your customer directly.
The record, and what your server hears
Seven states, eleven events
Every state a subscription can be in
- PENDING
- TRIALING
- ACTIVE
- PAST_DUE
- PAUSED
- CANCELLED
- EXPIRED
It starts in one of the first two, lives in the third, and reaches the last only once a cancelled subscription's paid-for period has run out.
What you can do to one
-
Pause and resume
Stop the invoices without ending the subscription, then start them again.
-
Stop now, or at the period end
Cancel immediately, or let the period they have already paid for run out first.
-
Their own way out
The emails that open a subscription carry a signed cancel link. Your customer can end it themselves, with no account and no login.
-
Every attempt on the record
Each cycle keeps its invoice, amount, outcome, the reason it failed, and the transaction that settled it.
Eleven webhooks, if you have set an endpoint up
- subscription.created
- subscription.trial_started
- subscription.trial_ending
- subscription.trial_ended
- subscription.activated
- subscription.payment_succeeded
- subscription.payment_failed
- subscription.cancelled
- subscription.expired
- subscription.paused
- subscription.resumed
Each cycle also fires recurring_invoice.generated the moment the invoice exists — the one to listen for if you want to know a bill went out before anybody paid it.
All of it is reachable from your own server as well as the dashboard — create plans and subscriptions, pause, resume, cancel, raise an invoice out of turn, or open a checkout for the amount due now. In the sandbox you can put a test subscription on a clock and wind it forward, watching a year of cycles land in minutes before any of it is real.
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