Recurring Billing & Subscriptions

Overview

GhostBill is the only Monero payment processor with a full recurring billing engine. Unlike traditional payment processors that rely on card-on-file authorization, Monero subscriptions work through a pull-based model: GhostBill generates invoices at each billing cycle, and customers pay each invoice independently.

This design preserves Monero's core privacy property — each payment uses a fresh subaddress, unlinkable to previous payments on the blockchain.

Subscription Lifecycle

Subscriptions move through 5 deterministic states:

• active — billing is current, last invoice was paid
• paused — billing suspended by merchant, no new invoices generated
• past_due — current invoice unpaid, within grace period
• cancelled — terminated by merchant or customer, access continues until period end
• expired — grace period exhausted, subscription ended

Every state transition fires a webhook event with the full subscription payload. Transitions are deterministic — the same input always produces the same output.

Create a Customer

Subscriptions require a customer record. Use external_id to link to your own user database:

curl -X POST /v1/customers \
  -H "Authorization: Bearer gb_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "external_id": "user-42",
    "metadata": {"email_hash": "sha256:a1b2c3...", "plan": "pro"}
  }'

# {"id": "cust_...", "external_id": "user-42", ...}

Create a Subscription

curl -X POST /v1/subscriptions \
  -H "Authorization: Bearer gb_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "cust_...",
    "amount_xmr": "0.1",
    "interval": "monthly",
    "description": "Pro plan - monthly",
    "grace_period_hours": 72,
    "metadata": {"plan": "pro"}
  }'

This immediately generates the first invoice. The customer pays to the provided subaddress. On confirmation, the subscription becomes active and next_billing_atis set to exactly one interval from the billing anchor.

Supported intervals: daily, weekly, monthly, yearly. Billing anchors prevent date drift — a monthly subscription created on the 15th always renews on the 15th.

Automated Renewals

When next_billing_at arrives, GhostBill automatically:

1. Creates a new invoice with a fresh subaddress
2. Fires subscription.renewed webhook
3. Waits for payment within the grace period
4. On payment confirmation, fires subscription.payment_confirmed
5. Sets next next_billing_at to the next interval

The renewal log is accessible via GET /v1/subscriptions/:id/renewal-log and provides the complete billing history with cursor pagination.

Grace Periods

The grace_period_hours parameter controls how long GhostBill waits for payment before expiring a subscription. When a renewal invoice goes unpaid:

• Subscription moves to past_due status
• subscription.past_due webhook fires — use this to warn the customer
• If paid within grace period: subscription returns to active
• If grace period expires: subscription moves to expired

A typical grace period is 72 hours (3 days). Set to 0 for immediate expiration.

Pause & Resume

# Pause
curl -X POST /v1/subscriptions/sub_.../pause \
  -H "Authorization: Bearer gb_live_..."

# Resume (generates new invoice immediately)
curl -X POST /v1/subscriptions/sub_.../resume \
  -H "Authorization: Bearer gb_live_..."

Pausing stops invoice generation. Resuming creates a new invoice immediately and resets the billing anchor to the current date. The complete billing history is preserved.

Pre-Payment

Customers can pay for future billing periods in advance:

curl -X POST /v1/subscriptions/sub_.../prepay \
  -H "Authorization: Bearer gb_live_..." \
  -H "Content-Type: application/json" \
  -d '{"periods": 3}'

# Creates a single invoice for 3x the monthly amount
# On payment: next_billing_at advances by 3 months

Webhook Events

Subscription-related webhook events (10 total):

• subscription.created — new subscription created
• subscription.renewed — renewal invoice generated
• subscription.payment_confirmed — renewal payment confirmed
• subscription.past_due — payment overdue, within grace period
• subscription.expired — grace period exhausted
• subscription.cancelled — cancelled by merchant
• subscription.updated — amount or metadata changed
• subscription.paused — billing paused
• subscription.resumed — billing resumed
• subscription.prepaid — pre-payment invoice created

All events include the full subscription payload with current invoice, customer reference, and billing history. See the API Reference for payload schemas.

Related Pages

• API Reference — full endpoint documentation
• Pricing — recurring billing available from Starter tier
• VPN Provider Guide — real-world subscription example
• GhostBill vs BTCPay Server — recurring billing comparison