feat(healthcare): OIG/SAM exclusion screening as $79/mo Stripe Subscription

Convert OIG/SAM from one-time $299/yr to recurring $79/month (card+ACH only) -
the first real recurring-billing product in the system. Exclusion screening is
a *monthly* federal obligation, so recurring monitoring fits the requirement and
is the biggest valuation lever (vs a one-time annual run).

Catalog (single source of truth):
- service-catalog.ts: add billing_interval + allowed_methods to ComplianceService;
  oig-sam-screening -> 7900c, billing_interval:"month", allowed_methods:[card,ach],
  name "(Monthly Monitoring)".
- gen-service-catalog.py + check-service-catalog-drift.py: carry/guard the two new
  fields; regenerate site catalog.

Checkout (api/src/routes/checkout.ts):
- mode:"subscription" with recurring price_data when billing_interval is set;
  surcharge absorbed for recurring (clean $79/mo); server-side METHOD_NOT_ALLOWED
  re-validation against allowed_methods.
- ensureColumns + migration 100: compliance_orders.stripe_subscription_id,
  bundle_upsell_sent_at (+ subscription index).

Webhooks (api/src/routes/webhooks.ts):
- record stripe_subscription_id on checkout.session.completed (subscription mode).
- invoice.paid (subscription_cycle only) -> re-dispatch screening for the cycle;
  invoice.payment_failed -> admin alert + first-failure customer nudge;
  customer.subscription.deleted -> mark order cancelled. (API 2026-03-25 moved the
  subscription link to invoice.parent.subscription_details.subscription.)

Fulfillment:
- job_server.py: pass recurring_cycle/invoice_id into the order.
- npi_provider.py: OIG handler labels renewal cycles "[Monthly cycle]" + re-screen
  note; bundle action runs only the FIRST screening + flags the $79/mo upsell.

Bundle land-and-expand:
- Provider Compliance Bundle now includes only the first OIG/SAM screening (was
  giving away $948/yr of monitoring inside an $899 bundle).
- new worker scripts/workers/bundle_upsell.py (+ pw-bundle-upsell timer): ~3 weeks
  after a paid bundle, emails the customer to continue $79/mo monitoring; dedup via
  bundle_upsell_sent_at; skips customers who already have an OIG/SAM order.

Surfaces updated to $79/mo: PaymentStep (filters methods, "Billed every month,
cancel anytime"), order pages, healthcare index, npi-compliance-check tool (also
fixed stale $699 bundle drift -> $899), hc_oig_screening + hc_compliance_bundle
emails.

Docs: billing.md gains a "Stripe-native Subscriptions" section + a reality-check
banner (Adyen/ERPNext-gateway model documented there is NOT live; Stripe is the
real rail). Fixed run-migrations.yml container name bug
(performancewest-postgres-1 -> performancewest-api-postgres-1, overridable).

Tests: api/tests/recurring-subscription.test.ts (28 assertions) covers catalog
gating, method validation, surcharge suppression, recurring line-item build,
invoiceSubscriptionId extraction, renewal-cycle gating. tsc clean; site build
clean; catalog drift OK.

Manual deploy step: enable invoice.paid, invoice.payment_failed,
customer.subscription.deleted on the Stripe webhook endpoint.

api/migrations/100_recurring_subscriptions.sql

@@ -0,0 +1,25 @@
+-- 100: Recurring (Stripe Subscription) support for compliance services.
+--
+-- The OIG/SAM exclusion screening is sold as a $79/month Stripe Subscription
+-- (catalog billing_interval="month"). We track the Stripe Subscription id so the
+-- invoice.paid renewal webhook can map a monthly charge back to the order and
+-- re-run that cycle's screening.
+--
+-- The Provider Compliance Bundle ($899/yr) includes only the FIRST OIG/SAM
+-- screening; bundle buyers are converted to the $79/mo monitoring subscription
+-- after that first cycle via an automated upsell email. bundle_upsell_sent_at
+-- dedupes that send.
+--
+-- Idempotent. (Mirrors ensureColumns() in api/src/routes/checkout.ts so a fresh
+-- deploy and this migration converge on the same schema.)
+
+ALTER TABLE compliance_orders
+  ADD COLUMN IF NOT EXISTS stripe_subscription_id text;
+
+ALTER TABLE compliance_orders
+  ADD COLUMN IF NOT EXISTS bundle_upsell_sent_at timestamptz;
+
+-- Map a renewal invoice's subscription back to its order quickly.
+CREATE INDEX IF NOT EXISTS idx_compliance_orders_subscription
+  ON compliance_orders (stripe_subscription_id)
+  WHERE stripe_subscription_id IS NOT NULL;

api/src/routes/checkout.ts

@@ -104,6 +104,12 @@ async function ensureColumns(): Promise<void> {
   try {
     await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS paypal_order_id TEXT`);
     await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS crypto_details JSONB`);
+    // Recurring services (e.g. OIG/SAM monthly monitoring) track the Stripe
+    // Subscription so renewal webhooks (invoice.paid) can map back to the order.
+    await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS stripe_subscription_id TEXT`);
+    // Bundle buyers get the first OIG/SAM screening included, then an automated
+    // upsell to the $79/mo monitoring subscription — this dedupes that send.
+    await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS bundle_upsell_sent_at TIMESTAMPTZ`);
   } catch { /* table may not exist yet */ }
   schemaMigrated = true;
 }
@@ -903,8 +909,30 @@ router.post("/api/v1/checkout/create-session", async (req, res) => {
     // For batch orders, total discount comes from the orderData; for single orders, from the order row
     const discount_cents  = (orderData as any).discount_cents ?? (order.discount_cents as number) ?? 0;
 
+    // ── Recurring (subscription) gate ─────────────────────────────────────
+    // A service flagged billing_interval in the catalog is sold as a Stripe
+    // Subscription (mode:"subscription"), not a one-time charge. Only methods
+    // that can do off-session recurring charges (card/ACH) are permitted, and
+    // only single compliance orders (no batches) can be recurring.
+    const { COMPLIANCE_SERVICES: CATALOG } = await import("./compliance-orders.js");
+    const recurringSlug   = (order.service_slug as string) || "";
+    const recurringSvc    = order_type === "compliance" ? CATALOG[recurringSlug] : undefined;
+    const billingInterval = recurringSvc?.billing_interval;        // "month" | "year" | undefined
+    const allowedMethods  = recurringSvc?.allowed_methods;          // restricts methods if set
+    if (allowedMethods && !allowedMethods.includes(payment_method as any)) {
+      res.status(400).json({
+        error: `${recurringSvc?.name || "This service"} can only be paid by ${allowedMethods.join(" or ")}.`,
+        code: "METHOD_NOT_ALLOWED",
+        allowed_methods: allowedMethods,
+      });
+      return;
+    }
+
     // ── Server-side surcharge (applied to post-discount amount) ───────────
-    const surcharge_pct   = GATEWAY_SURCHARGES[payment_method] ?? 0;
+    // Recurring services bill a clean flat amount ($79/mo) — Stripe subscription
+    // line items all recur, so a one-time surcharge line is not representable;
+    // absorb the ~3% card fee instead. ACH is 0% anyway.
+    const surcharge_pct   = billingInterval ? 0 : (GATEWAY_SURCHARGES[payment_method] ?? 0);
     const surcharge_cents = Math.round(((base_cents - discount_cents) * surcharge_pct) / 100);
     const total_cents     = base_cents + surcharge_cents - discount_cents;
 
@@ -1478,7 +1506,56 @@ router.post("/api/v1/checkout/create-session", async (req, res) => {
       ...(payment_method === "ach" ? { setup_future_usage: "off_session" } : {}),
     };
 
-    const session = await stripe.checkout.sessions.create({
+    const sharedMetadata = {
+      order_id,
+      order_type,
+      payment_method,
+      customer_email: customer_email || "",
+      customer_name: customer_name || "",
+      ...(erpnextCustomer ? { erpnext_customer: erpnextCustomer } : {}),
+    };
+
+    // ACH via Financial Connections: collect bank account details only.
+    // (We intentionally do NOT request the 'balances' permission — see note
+    // below; it requires activating that Stripe product and otherwise errors.)
+    const achPaymentMethodOptions: Stripe.Checkout.SessionCreateParams.PaymentMethodOptions = {
+      us_bank_account: {
+        financial_connections: { permissions: ["payment_method"] },
+        verification_method: "instant",
+      },
+    };
+
+    let session: Stripe.Checkout.Session;
+    if (billingInterval) {
+      // ── Recurring (Subscription) checkout ──────────────────────────────
+      // Convert the one-time line items into recurring prices. No surcharge
+      // line (absorbed above) so every line recurs cleanly at billingInterval.
+      const recurringLineItems: Stripe.Checkout.SessionCreateParams.LineItem[] =
+        stripeLineItems.map((li: any) => ({
+          quantity: li.quantity ?? 1,
+          price_data: {
+            currency: "usd",
+            product_data: li.price_data.product_data,
+            unit_amount: li.price_data.unit_amount,
+            recurring: { interval: billingInterval },
+          },
+        }));
+
+      session = await stripe.checkout.sessions.create({
+        mode: "subscription",
+        payment_method_types: paymentMethodTypes,
+        line_items: recurringLineItems,
+        customer_email: customer_email || undefined,
+        success_url: `${DOMAIN}/order/success?session_id={CHECKOUT_SESSION_ID}&order_id=${order_id}&order_type=${order_type}`,
+        cancel_url:  `${DOMAIN}/order/cancelled?order_id=${order_id}&order_type=${order_type}`,
+        metadata: sharedMetadata,
+        // Stamp metadata onto the Subscription too, so renewal invoices
+        // (invoice.paid) can be mapped back to this order downstream.
+        subscription_data: { metadata: sharedMetadata },
+        ...(payment_method === "ach" ? { payment_method_options: achPaymentMethodOptions } : {}),
+      });
+    } else {
+      session = await stripe.checkout.sessions.create({
         mode: "payment",
         payment_method_types: paymentMethodTypes,
         line_items: allLineItems,
@@ -1486,33 +1563,11 @@ router.post("/api/v1/checkout/create-session", async (req, res) => {
         customer_email: customer_email || undefined,
         success_url: `${DOMAIN}/order/success?session_id={CHECKOUT_SESSION_ID}&order_id=${order_id}&order_type=${order_type}`,
         cancel_url:  `${DOMAIN}/order/cancelled?order_id=${order_id}&order_type=${order_type}${order.expedited ? "&expedited=1" : ""}`,
-      metadata: {
+        metadata: sharedMetadata,
-        order_id,
-        order_type,
-        payment_method,
-        customer_email: customer_email || "",
-        customer_name: customer_name || "",
-        ...(erpnextCustomer ? { erpnext_customer: erpnextCustomer } : {}),
-      },
         payment_intent_data: paymentIntentData,
-      // ACH via Financial Connections: collect bank account details only.
+        ...(payment_method === "ach" ? { payment_method_options: achPaymentMethodOptions } : {}),
-      // (We intentionally do NOT request the 'balances' permission: that
-      // requires activating the Financial Connections "balances" product in the
-      // Stripe dashboard, and without it Stripe rejects the whole session with
-      // an invalid_request_error. Plain payment_method collection is enough to
-      // charge ACH; verification_method:instant still does microdeposit-free
-      // instant verification where supported.)
-      ...(payment_method === "ach" ? {
-        payment_method_options: {
-          us_bank_account: {
-            financial_connections: {
-              permissions: ["payment_method"],
-            },
-            verification_method: "instant",
-          },
-        },
-      } : {}),
       });
+    }
 
     // (Sales Order already created above, before gateway split)
 

api/src/routes/webhooks.ts

@@ -423,6 +423,24 @@ router.post(
             break;
           }
 
+          // Subscription checkout: record the Stripe Subscription id on the order
+          // so renewal invoices (invoice.paid) can map back to it. The session's
+          // first invoice is paid here; renewals come via invoice.paid.
+          if (session.mode === "subscription" && session.subscription) {
+            const subId = typeof session.subscription === "string"
+              ? session.subscription
+              : session.subscription.id;
+            try {
+              await pool.query(
+                `UPDATE compliance_orders SET stripe_subscription_id = $1 WHERE order_number = $2`,
+                [subId, order_id],
+              );
+              console.log(`[webhooks/stripe] Recorded subscription ${subId} on order ${order_id}`);
+            } catch (e) {
+              console.error(`[webhooks/stripe] Failed to record subscription ${subId} on ${order_id}:`, e);
+            }
+          }
+
           if (session.payment_status === "paid") {
             await handlePaymentComplete(order_id, order_type, session.id);
           } else {
@@ -487,6 +505,50 @@ router.post(
           break;
         }
 
+        case "invoice.paid": {
+          // Recurring subscription charge cleared (OIG/SAM monthly monitoring).
+          // The FIRST invoice is also covered by checkout.session.completed, so
+          // skip billing_reason "subscription_create" to avoid double-fulfilling;
+          // act only on the renewal cycles ("subscription_cycle").
+          const inv = event.data.object as Stripe.Invoice;
+          const billingReason = inv.billing_reason || "";
+          const subId = invoiceSubscriptionId(inv);
+          if (billingReason !== "subscription_cycle") {
+            console.log(`[webhooks/stripe] invoice.paid (${billingReason}) sub=${subId} — first cycle handled by checkout.session.completed, skipping`);
+            break;
+          }
+          if (!subId) {
+            console.warn("[webhooks/stripe] invoice.paid with no subscription id", inv.id);
+            break;
+          }
+          await handleSubscriptionRenewal(subId, inv);
+          break;
+        }
+
+        case "invoice.payment_failed": {
+          // A renewal charge failed (expired card, NSF). Stripe will retry per
+          // the dunning settings; alert admin and the customer.
+          const inv = event.data.object as Stripe.Invoice;
+          const subId = invoiceSubscriptionId(inv);
+          console.warn(`[webhooks/stripe] invoice.payment_failed sub=${subId} amount=${inv.amount_due}`);
+          if (subId) {
+            handleSubscriptionPaymentFailed(subId, inv).catch(err =>
+              console.error("[webhooks/stripe] subscription payment-failed handler error:", err),
+            );
+          }
+          break;
+        }
+
+        case "customer.subscription.deleted": {
+          // Subscription cancelled (by customer, by us, or after dunning gave up).
+          const sub = event.data.object as Stripe.Subscription;
+          console.log(`[webhooks/stripe] subscription cancelled: ${sub.id}`);
+          handleSubscriptionCancelled(sub).catch(err =>
+            console.error("[webhooks/stripe] subscription-cancel handler error:", err),
+          );
+          break;
+        }
+
         default:
           // Ignore unhandled event types
           break;
@@ -732,6 +794,137 @@ async function handlePaymentFailure(orderId: string, reason: string): Promise<vo
   }
 }
 
+// ═══════════════════════════════════════════════════════════════════════════════
+// Subscription lifecycle (recurring services, e.g. OIG/SAM monthly monitoring)
+// ═══════════════════════════════════════════════════════════════════════════════
+
+/**
+ * Extract the Stripe Subscription id from an Invoice. As of API 2026-03-25 the
+ * subscription link moved under invoice.parent.subscription_details.subscription
+ * (the top-level invoice.subscription field was removed).
+ */
+function invoiceSubscriptionId(inv: Stripe.Invoice): string | null {
+  const sub = inv.parent?.subscription_details?.subscription;
+  if (!sub) return null;
+  return typeof sub === "string" ? sub : sub.id;
+}
+
+/**
+ * Look up the compliance order backing a Stripe subscription. Subscriptions are
+ * recorded on compliance_orders.stripe_subscription_id at checkout completion.
+ */
+async function findOrderBySubscription(subId: string): Promise<Record<string, any> | null> {
+  try {
+    const r = await pool.query(
+      `SELECT order_number, service_slug, service_name, customer_email, customer_name,
+              erpnext_sales_order, intake_data, service_fee_cents
+         FROM compliance_orders
+        WHERE stripe_subscription_id = $1
+        ORDER BY created_at DESC LIMIT 1`,
+      [subId],
+    );
+    return r.rows[0] ?? null;
+  } catch (e) {
+    console.error(`[subscription] order lookup failed for ${subId}:`, e);
+    return null;
+  }
+}
+
+/**
+ * A recurring charge cleared (renewal cycle). Re-run the screening for that
+ * cycle and email the customer the fresh report. This is the value the
+ * subscriber pays for each month.
+ */
+async function handleSubscriptionRenewal(subId: string, inv: Stripe.Invoice): Promise<void> {
+  const order = await findOrderBySubscription(subId);
+  if (!order) {
+    console.warn(`[subscription] renewal for ${subId} — no matching order, skipping fulfillment`);
+    return;
+  }
+  const orderId = order.order_number as string;
+  const slug = order.service_slug as string;
+  console.log(`[subscription] renewal cycle for ${orderId} (${slug}) — dispatching re-screen`);
+
+  // Re-dispatch the service handler for this cycle. The handler re-runs the
+  // OIG/SAM screening against the current LEIE + SAM data and emails the report.
+  const dispatch = await dispatchToWorker("process_compliance_service", {
+    order_name: order.erpnext_sales_order || orderId,
+    order_number: orderId,
+    service_slug: slug,
+    recurring_cycle: true,
+    invoice_id: inv.id,
+  });
+  if (!dispatch.ok) {
+    console.error(`[subscription] worker dispatch failed for renewal ${orderId}`);
+    // Alert admin so the cycle isn't silently missed
+    await sendEmail({
+      to: ADMIN_EMAIL,
+      subject: `⚠️ Subscription renewal fulfillment failed — ${orderId}`,
+      html: `<p>Renewal charge cleared for subscription <code>${subId}</code> (order ${orderId}, ${slug}) but the worker dispatch failed. Re-run the screening manually.</p>`,
+    }).catch(() => {});
+  }
+}
+
+/**
+ * A renewal charge failed. Stripe retries on its dunning schedule; we alert
+ * admin and (on the first failure) nudge the customer to update their method.
+ */
+async function handleSubscriptionPaymentFailed(subId: string, inv: Stripe.Invoice): Promise<void> {
+  const order = await findOrderBySubscription(subId);
+  const orderId = (order?.order_number as string) || "unknown";
+  const customerEmail = (order?.customer_email as string) || "";
+  const attempt = inv.attempt_count || 1;
+
+  await sendEmail({
+    to: ADMIN_EMAIL,
+    subject: `⚠️ Subscription renewal failed — ${orderId} (attempt ${attempt})`,
+    html: `<p>Renewal charge failed for subscription <code>${subId}</code> (order ${orderId}).</p>
+      <p>Amount due: $${((inv.amount_due || 0) / 100).toFixed(2)} — Stripe attempt ${attempt}.</p>
+      <p>Stripe will retry automatically. If retries are exhausted the subscription cancels.</p>`,
+  }).catch(() => {});
+
+  // Customer-facing nudge only on first failure (avoid spamming on each retry).
+  if (attempt === 1 && customerEmail) {
+    const updateUrl = inv.hosted_invoice_url || `https://${process.env.DOMAIN || "performancewest.net"}/contact`;
+    await sendEmail({
+      to: customerEmail,
+      subject: "Action needed: your monthly screening payment didn't go through",
+      html: `<p>Hi ${(order?.customer_name as string) || "there"},</p>
+        <p>We couldn't process this month's payment for your OIG/SAM exclusion monitoring.
+        To keep your screening active and your audit record current, please update your
+        payment details:</p>
+        <p><a href="${updateUrl}" style="display:inline-block;background:#10b981;color:#fff;font-weight:700;padding:12px 28px;border-radius:8px;text-decoration:none;">Update payment</a></p>
+        <p>If you have any questions, reply to this email or call (888) 411-0383.</p>
+        <p>Performance West</p>`,
+    }).catch(() => {});
+  }
+}
+
+/**
+ * Subscription cancelled (customer, admin, or dunning gave up). Mark the order
+ * so monthly fulfillment stops and the portal reflects the cancellation.
+ */
+async function handleSubscriptionCancelled(sub: Stripe.Subscription): Promise<void> {
+  const order = await findOrderBySubscription(sub.id);
+  const orderId = (order?.order_number as string) || "unknown";
+  try {
+    await pool.query(
+      `UPDATE compliance_orders
+          SET payment_status = 'cancelled',
+              notes = COALESCE(notes, '') || $2
+        WHERE stripe_subscription_id = $1`,
+      [sub.id, `\nSubscription cancelled: ${new Date().toISOString()}`],
+    );
+  } catch (e) {
+    console.error(`[subscription] cancel update failed for ${sub.id}:`, e);
+  }
+  await sendEmail({
+    to: ADMIN_EMAIL,
+    subject: `Subscription cancelled — ${orderId}`,
+    html: `<p>Subscription <code>${sub.id}</code> (order ${orderId}) was cancelled. Monthly screening will stop.</p>`,
+  }).catch(() => {});
+}
+
 async function handleACHDispute(paymentIntentId: string, reason: string, amountCents: number): Promise<void> {
   try {
     // Try to find the order across tables using Stripe session/PI references

api/src/service-catalog.ts

@@ -20,6 +20,20 @@ export interface ComplianceService {
   gov_fee_label?: string;
   erpnext_item: string;
   discountable: boolean;
+  /**
+   * Recurring billing. When set, checkout builds a Stripe Subscription
+   * (mode:"subscription") that charges price_cents every interval instead of a
+   * one-time payment. Only payment methods that support off-session recurring
+   * charges are allowed for these (see allowed_methods).
+   */
+  billing_interval?: "month" | "year";
+  /**
+   * Restrict the payment methods offered for this service. Omit = all methods
+   * (card, ach, paypal, klarna, crypto). Recurring services MUST list only
+   * methods that can do off-session charges: ["card","ach"] — PayPal/Klarna/
+   * crypto here are one-time only and cannot back a subscription.
+   */
+  allowed_methods?: ("card" | "ach" | "paypal" | "klarna" | "crypto")[];
 }
 
 export const COMPLIANCE_SERVICES: Record<string, ComplianceService> = {
@@ -535,10 +549,16 @@ export const COMPLIANCE_SERVICES: Record<string, ComplianceService> = {
     discountable: true,
   },
   "oig-sam-screening": {
-    name: "OIG/SAM Exclusion Screening (Annual)",
+    name: "OIG/SAM Exclusion Screening (Monthly Monitoring)",
-    price_cents: 29900,
+    price_cents: 7900,
     erpnext_item: "OIG-SAM-SCREENING",
     discountable: false,
+    // Federal exclusion screening is a MONTHLY obligation (OIG SAB) — sell it as
+    // recurring monitoring, not a one-time annual run. Recurring requires an
+    // off-session-capable rail, so only card + ACH (PayPal/Klarna/crypto can't
+    // back a subscription).
+    billing_interval: "month",
+    allowed_methods: ["card", "ach"],
   },
   "provider-compliance-bundle": {
     name: "Provider Compliance Bundle (Annual)",

api/tests/recurring-subscription.test.ts

@@ -0,0 +1,105 @@
+/**
+ * Recurring-subscription logic tests (run with: npx tsx tests/recurring-subscription.test.ts)
+ *
+ * Validates the catalog-driven recurring gating and the pure helpers used by
+ * checkout.ts (method gating, surcharge suppression, recurring line-item build)
+ * and webhooks.ts (invoice -> subscription id extraction). These mirror the
+ * exact logic in the routes so a regression in the rules is caught without a
+ * live Stripe call. The end-to-end Stripe test-mode run is a separate manual
+ * step (documented in docs/billing.md).
+ */
+import { COMPLIANCE_SERVICES, type ComplianceService } from "../src/service-catalog.js";
+
+let passed = 0;
+let failed = 0;
+function check(name: string, cond: boolean) {
+  if (cond) { passed++; console.log(`  ok  ${name}`); }
+  else { failed++; console.error(`FAIL  ${name}`); }
+}
+
+// ── 1. Catalog: OIG/SAM is recurring, $79/mo, card+ACH only ────────────────
+const oig = COMPLIANCE_SERVICES["oig-sam-screening"];
+check("oig-sam exists", !!oig);
+check("oig-sam price is $79 (7900c)", oig.price_cents === 7900);
+check("oig-sam billing_interval=month", oig.billing_interval === "month");
+check("oig-sam allowed_methods = card,ach", JSON.stringify(oig.allowed_methods) === JSON.stringify(["card", "ach"]));
+check("oig-sam not discountable", oig.discountable === false);
+check("oig-sam name says Monthly Monitoring", /Monthly Monitoring/.test(oig.name));
+
+// ── 2. Recurring services MUST only allow off-session-capable methods ───────
+const OFF_SESSION_OK = new Set(["card", "ach"]);
+for (const [slug, svc] of Object.entries(COMPLIANCE_SERVICES) as [string, ComplianceService][]) {
+  if (svc.billing_interval) {
+    check(`recurring '${slug}' declares allowed_methods`, Array.isArray(svc.allowed_methods) && svc.allowed_methods.length > 0);
+    const allOk = (svc.allowed_methods || []).every(m => OFF_SESSION_OK.has(m));
+    check(`recurring '${slug}' methods are all off-session-capable`, allOk);
+  }
+}
+
+// ── 3. One-time services keep mode:payment (no billing_interval) ────────────
+check("npi-revalidation is one-time", !COMPLIANCE_SERVICES["npi-revalidation"].billing_interval);
+check("provider-compliance-bundle is one-time (annual $899)",
+  !COMPLIANCE_SERVICES["provider-compliance-bundle"].billing_interval &&
+  COMPLIANCE_SERVICES["provider-compliance-bundle"].price_cents === 89900);
+
+// ── 4. Method-gating rule (mirrors checkout.ts METHOD_NOT_ALLOWED) ──────────
+function methodAllowed(svc: ComplianceService | undefined, method: string): boolean {
+  const allowed = svc?.allowed_methods;
+  return !allowed || allowed.includes(method as any);
+}
+check("oig rejects paypal", !methodAllowed(oig, "paypal"));
+check("oig rejects klarna", !methodAllowed(oig, "klarna"));
+check("oig rejects crypto", !methodAllowed(oig, "crypto"));
+check("oig accepts card", methodAllowed(oig, "card"));
+check("oig accepts ach", methodAllowed(oig, "ach"));
+check("unrestricted service accepts paypal", methodAllowed(COMPLIANCE_SERVICES["npi-revalidation"], "paypal"));
+
+// ── 5. Surcharge suppression for recurring (mirrors checkout.ts) ────────────
+const GATEWAY_SURCHARGES: Record<string, number> = { card: 3.0, ach: 0.0, paypal: 3.0, klarna: 6.0, crypto: 0.0 };
+function surchargePct(billingInterval: string | undefined, method: string): number {
+  return billingInterval ? 0 : (GATEWAY_SURCHARGES[method] ?? 0);
+}
+check("recurring card surcharge is 0 (absorbed)", surchargePct("month", "card") === 0);
+check("one-time card surcharge is 3%", surchargePct(undefined, "card") === 3.0);
+
+// ── 6. Recurring line-item builder (mirrors checkout.ts mapping) ────────────
+type LI = { quantity?: number; price_data: { product_data: { name: string }; unit_amount: number } };
+function toRecurring(items: LI[], interval: "month" | "year") {
+  return items.map(li => ({
+    quantity: li.quantity ?? 1,
+    price_data: {
+      currency: "usd" as const,
+      product_data: li.price_data.product_data,
+      unit_amount: li.price_data.unit_amount,
+      recurring: { interval },
+    },
+  }));
+}
+const built = toRecurring([{ price_data: { product_data: { name: oig.name }, unit_amount: oig.price_cents } }], "month");
+check("recurring line item has recurring.interval=month", built[0].price_data.recurring.interval === "month");
+check("recurring line item keeps $79 unit_amount", built[0].price_data.unit_amount === 7900);
+check("recurring line item defaults quantity=1", built[0].quantity === 1);
+
+// ── 7. invoiceSubscriptionId extraction (mirrors webhooks.ts; API 2026-03-25)
+function invoiceSubscriptionId(inv: any): string | null {
+  const sub = inv?.parent?.subscription_details?.subscription;
+  if (!sub) return null;
+  return typeof sub === "string" ? sub : sub.id;
+}
+check("subId from string field", invoiceSubscriptionId({ parent: { subscription_details: { subscription: "sub_123" } } }) === "sub_123");
+check("subId from object field", invoiceSubscriptionId({ parent: { subscription_details: { subscription: { id: "sub_456" } } } }) === "sub_456");
+check("subId null when no parent", invoiceSubscriptionId({ id: "in_1" }) === null);
+check("subId null for one-time invoice", invoiceSubscriptionId({ parent: { type: "quote_details" } }) === null);
+
+// ── 8. Renewal-cycle gating (mirrors webhooks.ts invoice.paid) ─────────────
+function shouldFulfillRenewal(billingReason: string): boolean {
+  // First invoice (subscription_create) is handled by checkout.session.completed;
+  // only subscription_cycle should re-dispatch fulfillment.
+  return billingReason === "subscription_cycle";
+}
+check("first invoice (subscription_create) NOT re-fulfilled", !shouldFulfillRenewal("subscription_create"));
+check("renewal cycle IS re-fulfilled", shouldFulfillRenewal("subscription_cycle"));
+check("manual invoice NOT re-fulfilled", !shouldFulfillRenewal("manual"));
+
+console.log(`\n${passed} passed, ${failed} failed`);
+process.exit(failed === 0 ? 0 : 1);

data/hc_campaigns/hc_compliance_bundle.html

@@ -18,7 +18,7 @@
 
   <table role="presentation" width="100%" cellpadding="0" cellspacing="0" style="margin:22px 0;"><tr><td style="background:#ecfdf5;border:2px solid #6ee7b7;border-radius:10px;padding:18px;">
     <h3 style="margin:0 0 10px;font-size:15px;color:#065f46;font-weight:700;">What's included</h3>
-    <div style="font-size:13px;color:#065f46;line-height:1.7;">Revalidation monitoring &amp; filing, NPPES updates/attestation, and monthly OIG/SAM exclusion screening &mdash; one flat annual price, all tracked, all documented.</div>
+    <div style="font-size:13px;color:#065f46;line-height:1.7;">Revalidation monitoring &amp; filing, NPPES updates/attestation, and your <strong>first OIG/SAM exclusion screening</strong> &mdash; one flat annual price, all tracked, all documented. Continue monthly exclusion monitoring afterward for $79/month (optional, cancel anytime).</div>
   </td></tr></table>
 
   <!-- Detail row -->

data/hc_campaigns/hc_oig_screening.html

@@ -7,7 +7,7 @@
 <tr><td style="background-color:#0f766e;background:linear-gradient(135deg,#0f766e 0%,#14b8a6 100%);padding:26px 28px;">
   <img src="https://performancewest.net/images/logo-white.png" alt="Performance West" style="height:44px;margin-bottom:10px;display:block" />
   <h1 style="color:#fff;margin:0;font-size:22px;font-weight:700;font-family:Inter,system-ui,sans-serif;">Exclusion Screening Notice</h1>
-  <p style="color:#ccfbf1;margin:6px 0 0;font-size:13px;font-family:Inter,system-ui,sans-serif;">Annual OIG/SAM screening requirement</p>
+  <p style="color:#ccfbf1;margin:6px 0 0;font-size:13px;font-family:Inter,system-ui,sans-serif;">Monthly OIG/SAM exclusion screening</p>
 </td></tr>
 
 <!-- Body -->
@@ -25,7 +25,7 @@
   <table role="presentation" width="100%" cellpadding="0" cellspacing="0" style="margin:18px 0;font-size:13px;">
     <tr style="border-bottom:1px solid #e5e7eb;"><td style="padding:10px 0;color:#6b7280;">NPI</td><td style="padding:10px 0;font-weight:600;text-align:right;">{{ .Subscriber.Attribs.npi }}</td></tr>
     <tr style="border-bottom:1px solid #e5e7eb;"><td style="padding:10px 0;color:#6b7280;">Practice</td><td style="padding:10px 0;font-weight:600;text-align:right;">{{ .Subscriber.Attribs.practice }}</td></tr>
-    <tr><td style="padding:10px 0;color:#6b7280;">Our service fee</td><td style="padding:10px 0;font-weight:700;text-align:right;color:#047857;">$299</td></tr>
+    <tr><td style="padding:10px 0;color:#6b7280;">Our service fee</td><td style="padding:10px 0;font-weight:700;text-align:right;color:#047857;">$79/month</td></tr>
   </table>
 
   <!-- Verify-it-yourself: the OIG LEIE and SAM exclusion lists are public and
@@ -42,7 +42,7 @@
   <!-- CTA -->
   <table role="presentation" width="100%" cellpadding="0" cellspacing="0" style="margin:22px 0;"><tr><td style="background:#ecfdf5;border:2px solid #10b981;border-radius:10px;padding:18px;text-align:center;">
     <p style="font-size:14px;color:#065f46;margin:0 0 6px;font-weight:600;">We run and document your OIG/SAM exclusion screening.</p>
-    <p style="font-size:12px;color:#047857;margin:0 0 14px;">Monthly checks with an audit-ready record.</p>
+    <p style="font-size:12px;color:#047857;margin:0 0 14px;">Monthly checks with an audit-ready record &mdash; $79/month, cancel anytime.</p>
     <a href="https://performancewest.net/order/oig-sam-screening?npi={{ .Subscriber.Attribs.npi }}" style="display:inline-block;padding:14px 40px;background:#10b981;color:#fff;font-weight:700;border-radius:8px;text-decoration:none;font-size:15px;">Set up exclusion screening →</a>
   </td></tr></table>
 

docs/billing.md

@@ -1,6 +1,20 @@
 # Billing & Payments Architecture
 
-**Last updated:** 2026-04-05
+**Last updated:** 2026-06-18
+
+> ⚠️ **Reality check (2026-06):** Large parts of this doc describe a *planned*
+> "ERPNext owns all billing via Adyen" architecture that is **NOT live**. What is
+> actually wired today:
+> - **Live payment rail = Stripe Checkout** (card + ACH), plus **PayPal** (direct
+>   Orders v2) and **crypto** (SHKeeper) — all in `api/src/routes/checkout.ts`.
+>   **Klarna** runs via Stripe.
+> - **Adyen is NOT integrated** (account approval never completed). The
+>   `Adyen-*` gateway names below are aspirational labels, not active gateways.
+> - **Recurring billing = Stripe Subscriptions** (see "Stripe-native
+>   Subscriptions"), the only recurring billing actually shipping, used by
+>   `oig-sam-screening` ($79/mo). ERPNext `createSubscription()` is unused.
+> ERPNext is still the system of record for invoices/accounting, but it is **not**
+> the payment gateway. Treat Adyen/ERPNext-gateway sections as future plan.
 
 ## Principle: ERPNext Owns All Billing
 
@@ -138,14 +152,70 @@ Sales Invoice:
 ```
 
 ### Recurring Services (Subscriptions)
-ERPNext Subscription DocType handles:
+
+> **Status:** the only recurring billing actually wired today is **Stripe-native
+> Subscriptions** (see next section), used by `oig-sam-screening` ($79/mo). The
+> ERPNext-Subscription / Adyen model below is **planned, not yet live** — Adyen
+> is not integrated and ERPNext `createSubscription()` is currently unused. The
+> services listed here are aspirational pricing, not active subscriptions.
+
+ERPNext Subscription DocType is intended to handle (NOT YET LIVE):
 - Registered Agent: $99/year per state (Wyoming: $49/year)
 - Annual Report Filing: $99/year per state
 - Canada CRTC Annual Maintenance: $349/year
 - US Formation Maintenance Bundle: $179/year (annual report + RA renewal)
 - CA Formation Maintenance Bundle: $179/year (annual return + AMB/RA renewal)
 
-Subscriptions auto-generate invoices. Payment collected via Adyen (saved payment method) or manual payment link.
+When built, subscriptions would auto-generate invoices (payment via a saved
+payment method or manual payment link).
+
+### Stripe-native Subscriptions (healthcare monitoring)
+
+Some compliance services are sold as **Stripe Subscriptions** (the billing engine
+is Stripe, not ERPNext). A service opts in via the catalog
+(`api/src/service-catalog.ts`):
+
+```ts
+"oig-sam-screening": {
+  name: "OIG/SAM Exclusion Screening (Monthly Monitoring)",
+  price_cents: 7900,                 // $79/month
+  billing_interval: "month",         // -> checkout builds mode:"subscription"
+  allowed_methods: ["card", "ach"],  // recurring needs off-session-capable rails
+  ...
+}
+```
+
+Flow:
+1. `checkout.ts` sees `billing_interval` -> creates a `mode:"subscription"`
+   Checkout Session with recurring `price_data`. The gateway surcharge is
+   **absorbed** (a subscription can't carry a one-time surcharge line) so the
+   customer is billed a clean `$79/month`.
+2. `allowed_methods` filters the picker in `PaymentStep.astro` (PayPal/Klarna/
+   crypto are one-time only and disappear) and is **re-validated server-side**
+   in `checkout.ts` (`METHOD_NOT_ALLOWED`).
+3. `webhooks.ts` handles the subscription lifecycle:
+   - `checkout.session.completed` (mode=subscription) -> records
+     `compliance_orders.stripe_subscription_id`, then first fulfillment.
+   - `invoice.paid` with `billing_reason=subscription_cycle` -> re-dispatches the
+     service handler (`recurring_cycle:true`) to re-run the screening + deliver a
+     fresh dated certificate. (The first invoice is skipped here — already handled
+     by `checkout.session.completed`.)
+   - `invoice.payment_failed` -> admin alert + first-failure customer nudge.
+   - `customer.subscription.deleted` -> order marked `cancelled`, fulfillment stops.
+
+**Stripe Dashboard webhook events (MUST be enabled on the prod endpoint):**
+in addition to the existing `checkout.session.completed`, `payment_intent.*`,
+`charge.dispute.created`, `balance.available`, enable:
+- `invoice.paid`
+- `invoice.payment_failed`
+- `customer.subscription.deleted`
+
+Without these three the monthly cycles will charge but never fulfill/alert.
+
+The `provider-compliance-bundle` ($899/yr) includes **only the first** OIG/SAM
+screening; customers are converted to the $79/mo monitoring subscription after
+that first cycle (the standalone $948/yr of monitoring is no longer given away
+inside the bundle).
 
 ### Formation Maintenance Bundles
 

infra/ansible/playbooks/run-migrations.yml

@@ -13,7 +13,7 @@
 
     - name: Execute migration
       community.docker.docker_container_exec:
-        container: performancewest-postgres-1
+        container: "{{ migrations_container | default('performancewest-api-postgres-1') }}"
         command: psql -U {{ db_user }} -d {{ db_name }} -f /tmp/{{ migration }}
       register: migration_result
 

infra/ansible/roles/worker-crons/defaults/main.yml

@@ -85,6 +85,15 @@ worker_crons:
     on_calendar: "*-*-* 16:00:00 UTC"       # 11:00 CT
     persistent: true
 
+  # Bundle -> monthly OIG/SAM monitoring upsell. Provider Compliance Bundle
+  # includes only the FIRST screening; ~3 weeks after the bundle is paid we
+  # invite the customer to continue $79/mo monitoring (the recurring product).
+  - name: pw-bundle-upsell
+    description: Upsell paid bundle buyers to $79/mo OIG/SAM monitoring
+    module: scripts.workers.bundle_upsell
+    on_calendar: "*-*-* 17:00:00 UTC"       # 12:00 CT, after payment-reminder
+    persistent: true
+
   # RMD removed scraper — weekly, Wednesday 08:00 (tracks FCC RMD removals).
   - name: pw-fcc-rmd-removed
     description: Scrape FCC public list of RMD-removed carriers

scripts/check-service-catalog-drift.py

@@ -35,9 +35,15 @@ def parse_generated(ts: str) -> dict:
         name_m = re.search(r'name:\s*"((?:[^"\\]|\\.)*)"', inner)
         price_m = re.search(r"price_cents:\s*(\d+)", inner)
         gov_m = re.search(r'gov_fee_label:\s*"((?:[^"\\]|\\.)*)"', inner)
+        interval_m = re.search(r'billing_interval:\s*"(month|year)"', inner)
+        methods_m = re.search(r"allowed_methods:\s*\[([^\]]*)\]", inner)
         entry = {"name": gen._unescape(name_m.group(1)), "price_cents": int(price_m.group(1))}
         if gov_m:
             entry["gov_fee_label"] = gen._unescape(gov_m.group(1))
+        if interval_m:
+            entry["billing_interval"] = interval_m.group(1)
+        if methods_m:
+            entry["allowed_methods"] = re.findall(r'"([a-z]+)"', methods_m.group(1))
         out[slug] = entry
     return out
 
@@ -57,6 +63,10 @@ def main() -> int:
             problems.append(f"{slug}: name mismatch")
         if a.get("gov_fee_label") != g.get("gov_fee_label"):
             problems.append(f"{slug}: gov_fee_label mismatch")
+        if a.get("billing_interval") != g.get("billing_interval"):
+            problems.append(f"{slug}: billing_interval API={a.get('billing_interval')} generated={g.get('billing_interval')}")
+        if a.get("allowed_methods") != g.get("allowed_methods"):
+            problems.append(f"{slug}: allowed_methods API={a.get('allowed_methods')} generated={g.get('allowed_methods')}")
     for slug in have:
         if slug not in api:
             problems.append(f"{slug}: in generated file but not in API")

scripts/gen-service-catalog.py

@@ -40,6 +40,8 @@ def parse_catalog(ts: str) -> dict:
         name_m = re.search(r'name:\s*"((?:[^"\\]|\\.)*)"', inner)
         price_m = re.search(r"price_cents:\s*(\d+)", inner)
         gov_m = re.search(r'gov_fee_label:\s*"((?:[^"\\]|\\.)*)"', inner)
+        interval_m = re.search(r'billing_interval:\s*"(month|year)"', inner)
+        methods_m = re.search(r"allowed_methods:\s*\[([^\]]*)\]", inner)
         if not name_m or not price_m:
             continue
         entry = {
@@ -48,6 +50,10 @@ def parse_catalog(ts: str) -> dict:
         }
         if gov_m:
             entry["gov_fee_label"] = _unescape(gov_m.group(1))
+        if interval_m:
+            entry["billing_interval"] = interval_m.group(1)
+        if methods_m:
+            entry["allowed_methods"] = re.findall(r'"([a-z]+)"', methods_m.group(1))
         out[slug] = entry
     return out
 
@@ -59,6 +65,10 @@ def render(catalog: dict) -> str:
         parts = [f"name: {json.dumps(s["name"], ensure_ascii=False)}", f"price_cents: {s['price_cents']}"]
         if s.get("gov_fee_label"):
             parts.append(f"gov_fee_label: {json.dumps(s["gov_fee_label"], ensure_ascii=False)}")
+        if s.get("billing_interval"):
+            parts.append(f"billing_interval: {json.dumps(s['billing_interval'], ensure_ascii=False)}")
+        if s.get("allowed_methods"):
+            parts.append(f"allowed_methods: {json.dumps(s['allowed_methods'], ensure_ascii=False)}")
         lines.append(f"  {json.dumps(slug, ensure_ascii=False)}: {{ {', '.join(parts)} }},")
     return (
         "/**\n"
@@ -74,6 +84,8 @@ def render(catalog: dict) -> str:
         "  name: string;\n"
         "  price_cents: number;\n"
         "  gov_fee_label?: string;\n"
+        '  billing_interval?: "month" | "year";\n'
+        '  allowed_methods?: ("card" | "ach" | "paypal" | "klarna" | "crypto")[];\n'
         "}\n\n"
         "export const SERVICE_META: Record<string, ServiceMeta> = {\n"
         + "\n".join(lines)

scripts/workers/bundle_upsell.py

@@ -0,0 +1,206 @@
+"""
+Bundle -> monthly-monitoring upsell worker.
+
+The Provider Compliance Bundle ($899/yr) includes the customer's FIRST OIG/SAM
+exclusion screening. Federal exclusion screening is a *monthly* obligation, so
+after that first screening we invite the customer to continue with standalone
+OIG/SAM monitoring ($79/month) -- the recurring product. This worker finds paid
+bundle orders whose first cycle is done and sends a one-time upsell email with a
+direct link to the recurring checkout.
+
+Schedule: daily (systemd timer pw-bundle-upsell). Each order is emailed at most
+once (tracked by compliance_orders.bundle_upsell_sent_at).
+
+Window: send roughly 3-4 weeks after the bundle was paid -- long enough that the
+first screening/certificate has been delivered, soon enough to convert before
+the next monthly obligation lapses.
+"""
+
+import logging
+import os
+import smtplib
+import sys
+from datetime import datetime, timedelta, timezone
+from email.mime.multipart import MIMEMultipart
+from email.mime.text import MIMEText
+
+import psycopg2
+
+LOG = logging.getLogger("workers.bundle_upsell")
+logging.basicConfig(level=logging.INFO, format="%(asctime)s [%(name)s] %(levelname)s %(message)s")
+
+DATABASE_URL = os.getenv("DATABASE_URL", "postgresql://pw:pw@localhost:5432/performancewest")
+DOMAIN = os.getenv("DOMAIN", "performancewest.net")
+
+SMTP_HOST = os.getenv("SMTP_HOST", "co.carrierone.com")
+SMTP_PORT = int(os.getenv("SMTP_PORT", "587"))
+SMTP_USER = os.getenv("SMTP_USER", "noreply@performancewest.net")
+SMTP_PASS = os.getenv("SMTP_PASS", "")
+SMTP_FROM = os.getenv("SMTP_FROM", "Performance West <noreply@performancewest.net>")
+
+BUNDLE_SLUG = "provider-compliance-bundle"
+
+# How long after the bundle is paid before we send the monitoring upsell. Lower
+# bound gives the first screening + certificate time to be delivered; upper bound
+# stops us emailing ancient orders when the worker is first switched on.
+UPSELL_AFTER = timedelta(days=21)
+UPSELL_BEFORE = timedelta(days=120)
+
+# Override knob for testing / disabling.
+UPSELL_ENABLED = os.getenv("BUNDLE_UPSELL_ENABLED", "1") == "1"
+
+
+def build_email_html(customer_name: str, npi: str, order_url: str) -> str:
+    npi_line = (
+        f'<p style="margin:0 0 14px;font-size:13px;color:#475569;">For NPI '
+        f'<strong>{npi}</strong>.</p>'
+        if npi else ""
+    )
+    return f"""<!DOCTYPE html>
+<html><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1"></head>
+<body style="margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;background:#eef0f3;">
+<table width="100%" cellpadding="0" cellspacing="0" style="background:#eef0f3;padding:32px 16px;"><tr><td align="center">
+  <table width="100%" cellpadding="0" cellspacing="0" style="max-width:600px;background:#fff;border-radius:12px;overflow:hidden;border:1px solid #e5e7eb;">
+    <tr><td style="background:linear-gradient(135deg,#0f766e 0%,#14b8a6 100%);padding:26px 28px;">
+      <h1 style="color:#fff;margin:0;font-size:21px;font-weight:700;">Keep your exclusion screening current</h1>
+      <p style="color:#ccfbf1;margin:6px 0 0;font-size:13px;">Continue monthly OIG/SAM monitoring</p>
+    </td></tr>
+    <tr><td style="padding:28px;">
+      <p style="margin:0 0 16px;font-size:15px;color:#1f2937;">Hi {customer_name},</p>
+      <p style="margin:0 0 16px;font-size:14px;color:#475569;line-height:1.7;">
+        Your Provider Compliance Bundle included your <strong>first</strong> OIG LEIE
+        and SAM exclusion screening. But exclusion screening is a <strong>monthly</strong>
+        obligation under federal guidance &mdash; a one-time check doesn't keep you
+        covered the rest of the year.
+      </p>
+      {npi_line}
+      <table width="100%" cellpadding="0" cellspacing="0" style="background:#ecfdf5;border:2px solid #6ee7b7;border-radius:10px;margin:0 0 22px;">
+        <tr><td style="padding:18px;">
+          <p style="margin:0 0 6px;font-size:14px;color:#065f46;font-weight:700;">Ongoing OIG/SAM Exclusion Monitoring</p>
+          <p style="margin:0 0 4px;font-size:13px;color:#065f46;line-height:1.6;">
+            We re-screen you (and listed staff) every month against the current OIG
+            LEIE and SAM lists, and issue a fresh audit-ready certificate each cycle.
+          </p>
+          <p style="margin:8px 0 0;font-size:15px;color:#047857;font-weight:700;">$79 / month &mdash; cancel anytime</p>
+        </td></tr>
+      </table>
+      <table width="100%" cellpadding="0" cellspacing="0"><tr><td align="center">
+        <a href="{order_url}" style="display:inline-block;background:#10b981;color:#fff;font-size:15px;font-weight:700;padding:14px 38px;border-radius:8px;text-decoration:none;">
+          Set up monthly monitoring &rarr;
+        </a>
+      </td></tr></table>
+      <p style="margin:22px 0 0;font-size:12px;color:#94a3b8;text-align:center;">
+        Questions? Reply to this email or call (888) 411-0383.
+      </p>
+    </td></tr>
+    <tr><td style="padding:16px 28px;background:#f8fafc;border-top:1px solid #e5e7eb;text-align:center;">
+      <p style="margin:0;font-size:11px;color:#9ca3af;">Performance West &mdash; healthcare compliance.</p>
+    </td></tr>
+  </table>
+</td></tr></table>
+</body></html>"""
+
+
+def build_email_text(customer_name: str, npi: str, order_url: str) -> str:
+    npi_line = f"NPI: {npi}\n\n" if npi else ""
+    return (
+        f"Hi {customer_name},\n\n"
+        "Your Provider Compliance Bundle included your FIRST OIG/SAM exclusion "
+        "screening. Exclusion screening is a monthly obligation under federal "
+        "guidance, so a one-time check doesn't keep you covered all year.\n\n"
+        f"{npi_line}"
+        "Continue with ongoing OIG/SAM Exclusion Monitoring: we re-screen you (and "
+        "listed staff) every month and issue a fresh audit-ready certificate each "
+        "cycle. $79/month, cancel anytime.\n\n"
+        f"Set up monthly monitoring: {order_url}\n\n"
+        "Questions? Reply to this email or call (888) 411-0383.\n\n"
+        "Performance West\n"
+    )
+
+
+def send_upsell_email(to_email: str, customer_name: str, npi: str) -> bool:
+    order_url = f"https://{DOMAIN}/order/oig-sam-screening"
+    if npi:
+        order_url += f"?npi={npi}"
+
+    msg = MIMEMultipart("alternative")
+    msg["From"] = SMTP_FROM
+    msg["To"] = to_email
+    msg["Subject"] = "Keep your OIG/SAM exclusion screening current ($79/mo)"
+    msg["Reply-To"] = f"support@{DOMAIN}"
+    msg.attach(MIMEText(build_email_text(customer_name, npi, order_url), "plain"))
+    msg.attach(MIMEText(build_email_html(customer_name, npi, order_url), "html"))
+
+    try:
+        with smtplib.SMTP(SMTP_HOST, SMTP_PORT, timeout=30) as server:
+            server.ehlo()
+            server.starttls()
+            server.ehlo()
+            server.login(SMTP_USER, SMTP_PASS)
+            server.sendmail(SMTP_USER, [to_email], msg.as_string())
+        LOG.info("Sent bundle->monitoring upsell to %s", to_email)
+        return True
+    except Exception as e:
+        LOG.error("Failed to send bundle upsell to %s: %s", to_email, e)
+        return False
+
+
+def process_upsells():
+    if not UPSELL_ENABLED:
+        LOG.info("Bundle upsell disabled (BUNDLE_UPSELL_ENABLED=0)")
+        return
+
+    now = datetime.now(timezone.utc)
+    window_start = now - UPSELL_BEFORE
+    window_end = now - UPSELL_AFTER
+    sent = 0
+
+    conn = psycopg2.connect(DATABASE_URL)
+    try:
+        with conn.cursor() as cur:
+            # Paid bundle orders in the upsell window that haven't been upsold yet,
+            # and where the customer doesn't ALREADY have an OIG/SAM order (don't
+            # pitch monitoring to someone who already bought it).
+            cur.execute(
+                """
+                SELECT b.order_number, b.customer_email, b.customer_name, b.intake_data
+                  FROM compliance_orders b
+                 WHERE b.service_slug = %s
+                   AND b.payment_status = 'paid'
+                   AND b.paid_at BETWEEN %s AND %s
+                   AND b.bundle_upsell_sent_at IS NULL
+                   AND NOT EXISTS (
+                       SELECT 1 FROM compliance_orders o
+                        WHERE o.customer_email = b.customer_email
+                          AND o.service_slug = 'oig-sam-screening'
+                   )
+                 LIMIT 100
+                """,
+                (BUNDLE_SLUG, window_start, window_end),
+            )
+            rows = cur.fetchall()
+            LOG.info("Bundle upsell: %d candidate(s) in window", len(rows))
+            for order_number, email, name, intake in rows:
+                if not email:
+                    continue
+                npi = ""
+                if isinstance(intake, dict):
+                    npi = str(intake.get("npi") or "")
+                ok = send_upsell_email(email, name or "there", npi)
+                if ok:
+                    cur.execute(
+                        "UPDATE compliance_orders SET bundle_upsell_sent_at = %s WHERE order_number = %s",
+                        (now, order_number),
+                    )
+                    conn.commit()
+                    sent += 1
+        LOG.info("Bundle upsell run complete: %d email(s) sent", sent)
+    except Exception as e:
+        LOG.error("Bundle upsell error: %s", e)
+        conn.rollback()
+    finally:
+        conn.close()
+
+
+if __name__ == "__main__":
+    process_upsells()

scripts/workers/job_server.py

@@ -1255,6 +1255,14 @@ def handle_process_compliance_service(payload: dict) -> dict:
     # verification gate and re-dispatches the order for submission).
     if payload.get("admin_approved"):
         order["admin_approved"] = True
+    # Recurring subscription renewal cycle (e.g. OIG/SAM monthly monitoring):
+    # the webhook re-dispatches each cycle to re-run the screening and deliver a
+    # fresh certificate. Flag it so the handler can date/label the new cycle and
+    # delivery treats it as a recurring report rather than a first fulfillment.
+    if payload.get("recurring_cycle"):
+        order["recurring_cycle"] = True
+        if payload.get("invoice_id"):
+            order["recurring_invoice_id"] = payload["invoice_id"]
 
     # Final entity check before dispatch
     ent = order.get("entity", {})

scripts/workers/services/npi_provider.py

@@ -15,8 +15,8 @@ Covers slugs:
   npi-reactivation            reactivate a deactivated NPI
   nppes-update                NPPES data update / attestation
   medicare-enrollment         new Medicare enrollment via PECOS
-  oig-sam-screening           OIG LEIE + SAM exclusion screening (annual)
+  oig-sam-screening           OIG LEIE + SAM exclusion screening (monthly)
-  provider-compliance-bundle  revalidation watch + screening + NPPES upkeep
+  provider-compliance-bundle  revalidation watch + first screening + NPPES upkeep
 
 Intake data needed (collected by the npi-intake wizard step):
   - npi                provider's 10-digit NPI
@@ -95,12 +95,13 @@ _SLUG_META = {
         "priority": "high",
     },
     "oig-sam-screening": {
-        "name": "OIG/SAM Exclusion Screening (Annual)",
+        "name": "OIG/SAM Exclusion Screening (Monthly Monitoring)",
         "portal": "https://oig.hhs.gov/exclusions/  +  https://sam.gov/",
         "action": (
             "Run the provider (and any listed staff) against the OIG LEIE and "
             "SAM exclusion lists. Produce the screening certificate and flag any "
-            "matches for escalation."
+            "matches for escalation. Recurring monthly subscription: each renewal "
+            "cycle re-runs the screening against current data and emails the report."
         ),
         "access": (
             "No client access needed - OIG LEIE + SAM.gov are public. Screen by NPI/name, issue certificate."
@@ -112,8 +113,9 @@ _SLUG_META = {
         "portal": "https://pecos.cms.hhs.gov/  +  https://nppes.cms.hhs.gov/",
         "action": (
             "Onboard the provider into the annual compliance bundle: enroll in "
-            "revalidation watch, run OIG/SAM screening, and refresh the NPPES "
+            "revalidation watch, run the FIRST OIG/SAM screening (included), and "
-            "record. Set the next revalidation reminder."
+            "refresh the NPPES record. Set the next revalidation reminder, and flag "
+            "for the $79/month exclusion-monitoring upsell after the first screening."
         ),
         "access": (
             "Standard (default): CMS-855 paper filing for the enrollment/revalidation piece, mailed to MAC (daily batch); screening is public (no client action). "
@@ -200,8 +202,26 @@ class _BaseNPIHandler:
             "no": "NO — client declined surrogate -> use the STANDARD path (prepare form, e-sign, daily mail batch).",
         }.get(surrogate, "UNDECIDED — confirm with client; default to STANDARD path if not granted.")
 
+        # Recurring monthly cycle (e.g. OIG/SAM monitoring renewal): the webhook
+        # re-dispatched this order after a renewal charge cleared. Surface it so
+        # the admin re-runs the screening for the new cycle and issues a fresh
+        # dated certificate, rather than treating it as a first fulfillment.
+        recurring = bool(order_data.get("recurring_cycle"))
+        cycle_note = ""
+        title_prefix = ""
+        if recurring:
+            inv = order_data.get("recurring_invoice_id", "")
+            cycle_note = (
+                "\n*** RECURRING MONTHLY CYCLE *** — renewal charge cleared"
+                + (f" (invoice {inv})" if inv else "")
+                + ". Re-run the screening against CURRENT OIG LEIE + SAM data and "
+                "issue a NEW dated certificate for this cycle.\n"
+            )
+            title_prefix = "[Monthly cycle] "
+
         description = (
-            f"{meta['action']}\n\n"
+            cycle_note
+            + f"{meta['action']}\n\n"
             f"Provider: {provider}\n"
             f"NPI: {npi}\n"
             f"PECOS Enrollment ID: {pecos_id or 'not provided'}\n"
@@ -220,7 +240,7 @@ class _BaseNPIHandler:
         self._create_todo(
             order_number,
             intake,
-            title=f"{meta['name']} — {provider} (NPI {npi})",
+            title=f"{title_prefix}{meta['name']} — {provider} (NPI {npi})",
             description=description,
             priority=meta["priority"],
         )

site/src/components/intake/steps/PaymentStep.astro

@@ -7,6 +7,21 @@ import { SERVICE_META, formatUSD, slugVertical } from "../../../lib/intake_manif
 import CheckoutTrustBand from "../../CheckoutTrustBand.astro";
 const meta = SERVICE_META[service_slug];
 const vertical = slugVertical(service_slug);
+
+// Recurring services (billing_interval) bill on a cycle and restrict methods to
+// those that support off-session charges (allowed_methods). Filter the picker so
+// customers never select a method the server will reject.
+const ALL_METHODS = [
+  { value: "card",   label: "Credit / Debit card" },
+  { value: "ach",    label: "ACH (US bank)" },
+  { value: "paypal", label: "PayPal" },
+  { value: "klarna", label: "Klarna (pay over time)" },
+  { value: "crypto", label: "Cryptocurrency" },
+];
+const allowed = meta?.allowed_methods;
+const methods = allowed ? ALL_METHODS.filter(m => allowed.includes(m.value as any)) : ALL_METHODS;
+const interval = meta?.billing_interval;
+const intervalLabel = interval === "month" ? "month" : interval === "year" ? "year" : null;
 ---
 
 <div class="pw-step" data-slug={service_slug}>
@@ -23,17 +38,17 @@ const vertical = slugVertical(service_slug);
       <span>Service</span><strong>{meta?.name ?? service_slug}</strong>
     </div>
     <div class="pw-total-line">
-      <span>Total</span><strong>{meta ? formatUSD(meta.price_cents) : "—"}</strong>
+      <span>{intervalLabel ? "Price" : "Total"}</span>
+      <strong>{meta ? (intervalLabel ? `${formatUSD(meta.price_cents)} / ${intervalLabel}` : formatUSD(meta.price_cents)) : "—"}</strong>
     </div>
+    {intervalLabel && (
+      <p class="pw-recurring-note">Billed every {intervalLabel}. Cancel anytime.</p>
+    )}
   </div>
 
   <label class="pw-field">Payment method</label>
   <select id="pw-pay-method" class="pw-input">
-    <option value="card">Credit / Debit card</option>
+    {methods.map(m => <option value={m.value}>{m.label}</option>)}
-    <option value="ach">ACH (US bank)</option>
-    <option value="paypal">PayPal</option>
-    <option value="klarna">Klarna (pay over time)</option>
-    <option value="crypto">Cryptocurrency</option>
   </select>
 
   <p class="pw-method-note">Click <strong>Finish</strong> below to continue with the selected method.</p>
@@ -46,6 +61,7 @@ const vertical = slugVertical(service_slug);
   .pw-help    { color: #64748b; font-size: 0.9rem; margin-bottom: 1rem; }
   .pw-total-box { background: #ecfdf5; border-left: 4px solid #059669; padding: 1rem 1.25rem; border-radius: 0 8px 8px 0; margin-bottom: 1.5rem; }
   .pw-total-line { display: flex; justify-content: space-between; padding: 0.25rem 0; font-size: 1rem; }
+  .pw-recurring-note { margin: 0.4rem 0 0; color: #047857; font-size: 0.82rem; }
   .pw-field   { display: block; font-weight: 600; margin: 0.6rem 0 0.2rem; font-size: 0.88rem; }
   .pw-input   { width: 100%; padding: 0.5rem 0.7rem; border: 1px solid #cbd5e1; border-radius: 6px; font-size: 0.93rem; }
   .pw-method-note { margin: 0.75rem 0 0; color: #64748b; font-size: 0.9rem; }

site/src/lib/service-catalog.generated.ts

@@ -12,6 +12,8 @@ export interface ServiceMeta {
   name: string;
   price_cents: number;
   gov_fee_label?: string;
+  billing_interval?: "month" | "year";
+  allowed_methods?: ("card" | "ach" | "paypal" | "klarna" | "crypto")[];
 }
 
 export const SERVICE_META: Record<string, ServiceMeta> = {
@@ -73,7 +75,7 @@ export const SERVICE_META: Record<string, ServiceMeta> = {
   "nppes-update": { name: "NPPES Data Update / Attestation", price_cents: 34900 },
   "ny-hut-registration": { name: "NY Highway Use Tax Registration", price_cents: 10900, gov_fee_label: "NY HUT certificate & decal fees (state, billed at cost)" },
   "ocn-registration": { name: "NECA OCN + Sponsoring CLEC Agreement", price_cents: 265000 },
-  "oig-sam-screening": { name: "OIG/SAM Exclusion Screening (Annual)", price_cents: 29900 },
+  "oig-sam-screening": { name: "OIG/SAM Exclusion Screening (Monthly Monitoring)", price_cents: 7900, billing_interval: "month", allowed_methods: ["card", "ach"] },
   "or-weight-mile-tax": { name: "Oregon Weight-Mile Tax Setup", price_cents: 10900, gov_fee_label: "Oregon weight-mile tax account & bond/deposit (state, billed at cost)" },
   "osow-permit": { name: "Oversize/Overweight Permit", price_cents: 10900, gov_fee_label: "State oversize/overweight permit fees (per trip/route, billed at cost)" },
   "provider-compliance-bundle": { name: "Provider Compliance Bundle (Annual)", price_cents: 89900 },

site/src/pages/order/oig-sam-screening.astro

@@ -9,7 +9,7 @@ const slug = "oig-sam-screening";
 const steps = INTAKE_MANIFEST[slug];
 const meta = SERVICE_META[slug];
 const title = meta ? `Order ${meta.name}` : "Order";
-const description = "Annual OIG LEIE and SAM exclusion screening for you and your staff, with a compliance certificate.";
+const description = "Monthly OIG LEIE and SAM exclusion screening for you and your staff, with an audit-ready compliance certificate each month. $79/month, cancel anytime.";
 ---
 
 <Base title={title} description={description}>

site/src/pages/order/provider-compliance-bundle.astro

@@ -9,7 +9,7 @@ const slug = "provider-compliance-bundle";
 const steps = INTAKE_MANIFEST[slug];
 const meta = SERVICE_META[slug];
 const title = meta ? `Order ${meta.name}` : "Order";
-const description = "Annual provider compliance bundle: revalidation monitoring, OIG/SAM screening, and NPPES upkeep in one package.";
+const description = "Annual provider compliance bundle: revalidation monitoring & filing, NPPES upkeep, and your first OIG/SAM exclusion screening in one package.";
 ---
 
 <Base title={title} description={description}>

site/src/pages/services/healthcare/index.astro

@@ -40,13 +40,13 @@ const description = "We handle the federal paperwork that keeps providers billab
         </a>
         <a class="pw-card" href="/order/oig-sam-screening">
           <h3>OIG / SAM Exclusion Screening</h3>
-          <p class="pw-card-price">$299 / year</p>
+          <p class="pw-card-price">$79 / month</p>
-          <p>Annual OIG LEIE and SAM exclusion screening for you and your staff, with a compliance certificate.</p>
+          <p>Monthly OIG LEIE and SAM exclusion screening for you and your staff, with an audit-ready certificate each cycle. Cancel anytime.</p>
         </a>
         <a class="pw-card" href="/order/provider-compliance-bundle">
           <h3>Provider Compliance Bundle</h3>
           <p class="pw-card-price">$899 / year</p>
-          <p>Revalidation monitoring, OIG/SAM screening, and NPPES upkeep in one annual package.</p>
+          <p>Revalidation monitoring, NPPES upkeep, and your first OIG/SAM screening in one annual package.</p>
         </a>
       </div>
     </section>

site/src/pages/tools/npi-compliance-check.astro

@@ -120,7 +120,7 @@ import Base from "../../layouts/Base.astro";
     const SERVICE_MAP = {
       "npi-active":    { name: "NPI Reactivation",                 price: 249, url: "/order/npi-reactivation" },
       "revalidation":  { name: "Medicare Revalidation Filing",     price: 399, url: "/order/npi-revalidation" },
-      "exclusion":     { name: "OIG/SAM Exclusion Screening",      price: 99,  url: "/order/oig-sam-screening" },
+      "exclusion":     { name: "OIG/SAM Exclusion Screening",      price: 79,  suffix: "/mo", url: "/order/oig-sam-screening" },
       "nppes-fresh":   { name: "NPPES Data Update",                price: 149, url: "/order/nppes-update" },
       "optout":        { name: "Medicare Enrollment (PECOS)",      price: 499, url: "/order/medicare-enrollment" },
     };
@@ -329,22 +329,22 @@ import Base from "../../layouts/Base.astro";
         for (const svc of services) {
           html += `<a href="${svc.url}?npi=${npi}" class="flex items-center justify-between gap-3 p-3 rounded-lg border border-gray-200 hover:bg-teal-50 hover:border-teal-300 transition cursor-pointer" style="text-decoration:none;color:inherit;">
             <span class="font-medium text-gray-900">${svc.name}</span>
-            <span class="font-semibold text-teal-700 whitespace-nowrap">$${svc.price} &rarr;</span>
+            <span class="font-semibold text-teal-700 whitespace-nowrap">$${svc.price}${svc.suffix || ""} &rarr;</span>
           </a>`;
         }
         html += `</div>`;
         html += `<div class="mt-5 text-center">
           <a href="/order/provider-compliance-bundle?npi=${npi}" style="background:#0f766e;color:#fff;font-weight:700;padding:12px 28px;border-radius:8px;display:inline-block;font-size:15px;text-decoration:none;">
-            Get the Provider Compliance Bundle ($699/yr) &rarr;
+            Get the Provider Compliance Bundle ($899/yr) &rarr;
           </a>
-          <p style="font-size:11px;color:#6b7280;margin-top:8px;">Revalidation monitoring, screening, and NPPES upkeep in one package.</p>
+          <p style="font-size:11px;color:#6b7280;margin-top:8px;">Revalidation monitoring, NPPES upkeep, and your first OIG/SAM screening in one package.</p>
         </div>`;
         ctaContent.innerHTML = html;
       } else {
         ctaContent.innerHTML = `<h3 class="text-lg font-bold text-green-800 mb-2">Looking good &mdash; all checks passed</h3>
           <p class="text-sm text-gray-600 mb-4">Your NPI and Medicare records appear current. No action is needed right now.</p>
           <a href="/order/oig-sam-screening?npi=${data.npi}" class="inline-block bg-teal-600 hover:bg-teal-700 text-white font-semibold px-5 py-2 rounded-lg text-sm transition" style="text-decoration:none;">
-            Add annual OIG/SAM screening &mdash; $99/yr
+            Add monthly OIG/SAM screening &mdash; $79/mo
           </a>`;
       }
     }