Annual reminder with renewal date, price, cancel instructions

California Automatic Renewal Law (ARL) Business & Professions Code §17601 specifically requires that for annual subscriptions, customers receive an advance renewal notice before the charge — with sufficient lead time to cancel. A 3-day notice adequate for monthly charges does not satisfy the ARL for a $290 annual charge. EU Consumer Rights Directive 2011/83/EU similarly requires material pre-contractual information be provided for automatic contract extensions. Annual subscribers who receive a $290 charge without a prior reminder represent the highest-dollar, highest-dispute-rate segment of subscription chargebacks.

Differentiate annual subscriptions in the invoice.upcoming webhook handler and send a 30-day-advance reminder. In app/api/webhooks/stripe/route.ts:

if (event.type === 'invoice.upcoming') {
  const subscription = await stripe.subscriptions.retrieve(invoice.subscription as string)
  const isAnnual = subscription.items.data[0]?.plan.interval === 'year'
  const daysUntilRenewal = Math.round(
    (invoice.period_end - Date.now() / 1000) / (60 * 60 * 24)
  )
  if (isAnnual && daysUntilRenewal >= 28 && email) {
    await sendEmail({
      to: email,
      subject: `Your annual subscription renews in ${daysUntilRenewal} days`,
      template: 'annual-renewal-reminder',
      data: {
        amount: (invoice.amount_due / 100).toFixed(2),
        renewalDate: formatDate(invoice.period_end),
        cancelDeadline: formatDate(invoice.period_end - 60 * 60 * 24 * 2),
        cancelUrl: `${process.env.NEXT_PUBLIC_APP_URL}/settings/billing`,
      },
    })
  }
}

In Stripe Dashboard → Billing → Customer portal, set upcoming invoice notification to 30 days for annual price IDs. Email must include renewal amount, renewal date, and 'To avoid being charged, cancel before [date] at [direct link].'