[pedrofrxncx]

What is this contribution about?

Orgs on the contract (custom) plan saw only "Your plan: Custom. Contact us to change it." in Settings → Plans, with no way to move to a catalog plan themselves.

• Catalog for custom orgs: they now get the same plan cards as everyone else and can subscribe through Stripe checkout. Whether they already have a subscription is read from Stripe, since their gateway plan id says nothing about it. The Custom card is marked as their current plan.
• Invoice option: orgs flagged invoice_upgrade (and without a live Stripe subscription) also get "Add to my invoice" on Starter/Business. AI_PLAN_INVOICE_UPGRADE no longer requires the AI usage to be exhausted; the flag is the gate. This relaxes the rule added in feat(billing): add to my invoice — contract orgs upgrade at their AI limit #7761 and applies to any flagged org.
• Staff-managed is now only ai_service: deco's own plan keeps the contact card. Paywalls now quote the next plan up for custom orgs instead of a bare lock.
• The unused settings.plans.limitReached string is removed.

No ai-gateway change needed: Stripe checkout and the webhook move the org through the gateway's admin plan route, which already accepts custom → starter/business and drops the contract's allowance override on the way out.

How did you verify your code works?

• bun test apps/api/src/tools/ai-providers/plan-change.test.ts: 7 pass (the test asserting the old usage-exhausted refusal was removed).
• Web typecheck, oxlint, and knip pass.
• API typecheck fails at src/mcp-clients/lazy-client.ts:205; the same error reproduces on origin/main without this change.
• Not checked in a browser yet.

Screenshots/Demonstration

Not captured yet.

How to Test

1. Put an org on the custom plan through the gateway admin API.
2. Open Settings → AI providers: the plan catalog shows, with Custom marked as the current plan.
3. Choose Starter: it opens Stripe checkout.
4. Add the invoice_upgrade feature override to that org: "Add to my invoice" appears on Starter/Business, and confirming moves the org to that plan.

Review Checklist

• PR title is clear and descriptive
• Changes are tested and working
• Documentation is updated (if needed)
• No breaking changes (invoice upgrades no longer require exhausted usage)

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Summary by cubic

Orgs on the contract (custom) plan used to see only "Your plan: Custom. Contact us to change it." in Settings → Plans. They now see the full plan catalog and can move to a catalog plan themselves: subscribing through Stripe checkout, or — when flagged invoice_upgrade — adding the plan to their deco invoice. Only deco's own ai_service plan keeps the contact card.

• The Custom card is marked as the current plan, and subscription state is read from Stripe since the gateway plan id says nothing about it.
• Invoice upgrades are now gated solely by the invoice_upgrade flag; AI_PLAN_INVOICE_UPGRADE no longer requires exhausted AI usage.
• Paywalls now quote the next plan up for custom orgs instead of a bare lock, and the unused settings.plans.limitReached string is removed.

^{Written for commit c83e7b8. Summary will update on new commits.}