Free trial without card: when the trial ends the subscription just sits there, nobody pays

Tell Stripe what to do when the trial ends without a payment method:

subscription_data: {
  trial_period_days: 14,
  trial_settings: {
    end_behavior: { missing_payment_method: "cancel" }, // or "pause"
  },
},
payment_method_collection: "if_required",

• cancel: subscription ends, customer.subscription.deleted fires.
• pause: status becomes paused until they add a card. Nice if you want "add card to continue" without losing the subscription.
• default (create_invoice): what you have now, an open invoice while status can look active.

Listen to customer.subscription.trial_will_end (fires 3 days before) to send the "add your card" email with a portal link. Delete the cron job.