Stripe upgrade fails for offline subscriptions

Hello support team,

We are using Community Builder Paid Subscriptions on our Joomla site, utilizing two payment gateways: Stripe and offline Bank Transfer.

We have encountered a critical UX roadblock / possible bug when a user transitions from an offline payment method to an automated online gateway during a subscription upgrade.

The Setup & Scenario:

1. A customer purchases a 1-year membership plan and checks out using Bank Transfer. Their access is approved and their account is active.
2. We have "Prorate remaining value of this plan when upgrading" turned on for all plans, which handles the calculations perfectly.
3. After 6 months, the customer decides they want to upgrade to our more expensive plan.
4. On the upgrade checkout screen, they decide they want to switch their payment method to Stripe for the remaining prorated balance.

The Issue:
When the customer clicks the Stripe payment button to finalize the upgrade, the Stripe checkout window/overlay never opens. Instead, the system immediately routes them straight to the "Thank-you text (payment pending)" message screen. The order is successfully logged in the backend as a basket, but its status is stuck on "Pending / Waiting for Payment", and the user is left with absolutely no credit card input fields or way to pay.

Our Technical Assumption:
We suspect this happens because the user's initial subscription was processed offline, meaning their Joomla user object completely lacks a Stripe Customer Token or card token on file. When CBSubs attempts to dynamically modify/prorate the subscription via the Stripe API behind the scenes, the API transaction stalls because there is no profile to append the change to.

Questions / Expected Solutions:
We would highly appreciate some guidance on how to resolve this. Ideally, we are looking for advice on either of these two paths:

• The Preferable Fix: Is there a configuration setting we missed that forces Stripe to open a fresh, standalone Checkout session/Payment Intent window during a plan upgrade if it detects the user does not have a valid gateway token on file?
• The Alternative Fix: If changing payment methods mid-upgrade isn't natively supported for offline subscriptions, is there a recommended way (perhaps via Conditionals or a specific configuration layout) to completely hide the Stripe option on the upgrade screen only if their active subscription was paid via Bank Transfer?

Thank you in advance for your assistance!

I don't think that'd have anything to do with Stripe. Upgrade prorating also shouldn't matter. It's just a discount applied to the final price. Previous payment method isn't considered in any way during upgrades. Are you sure you've your Stripe gateway configured properly? It sounds like you might have it in a test mode still, which can bypass normal payment processes. Does Stripe work fine when purchasing anything for the first time?