Files
HOA_Financial_Platform/.env.example
olsch01 a996208cb8 feat: add annual billing, free trial, upgrade/downgrade, and ACH invoice support
- Add monthly/annual billing toggle with 25% annual discount on pricing page
- Implement 14-day no-card free trial (server-side Stripe subscription creation)
- Enable upgrade/downgrade via Stripe Customer Portal
- Add admin-initiated ACH/invoice billing for enterprise customers
- Add billing card to Settings page with plan info and Manage Billing button
- Handle past_due status with read-only grace period access
- Add trial ending and trial expired email templates
- Add DB migration for billing_interval and collection_method columns
- Update ONBOARDING-AND-AUTH.md documentation

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
2026-03-18 08:04:51 -04:00

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POSTGRES_USER=hoafinance
POSTGRES_PASSWORD=change_me
POSTGRES_DB=hoafinance
DATABASE_URL=postgresql://hoafinance:change_me@postgres:5432/hoafinance
REDIS_URL=redis://redis:6379
JWT_SECRET=change_me_to_random_string
NODE_ENV=development
# AI Investment Advisor (OpenAI-compatible API)
AI_API_URL=https://integrate.api.nvidia.com/v1
AI_API_KEY=your_nvidia_api_key_here
AI_MODEL=qwen/qwen3.5-397b-a17b
# Set to 'true' to enable detailed AI prompt/response logging
AI_DEBUG=false
# Stripe Billing
STRIPE_SECRET_KEY=sk_test_your_stripe_secret_key
STRIPE_WEBHOOK_SECRET=whsec_your_webhook_secret
# Stripe Price IDs (Monthly)
STRIPE_STARTER_MONTHLY_PRICE_ID=price_starter_monthly
STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID=price_professional_monthly
STRIPE_ENTERPRISE_MONTHLY_PRICE_ID=price_enterprise_monthly
# Stripe Price IDs (Annual — 25% discount)
STRIPE_STARTER_ANNUAL_PRICE_ID=price_starter_annual
STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID=price_professional_annual
STRIPE_ENTERPRISE_ANNUAL_PRICE_ID=price_enterprise_annual
# Trial configuration
REQUIRE_PAYMENT_METHOD_FOR_TRIAL=false
# Email (Resend)
RESEND_API_KEY=re_your_resend_api_key
# Application
APP_URL=http://localhost
INVITE_TOKEN_SECRET=dev-invite-secret
# New Relic APM — set ENABLED=true and provide your license key to activate
NEW_RELIC_ENABLED=false
NEW_RELIC_LICENSE_KEY=your_new_relic_license_key_here
NEW_RELIC_APP_NAME=HOALedgerIQ_App