This is a great concept. It decouples the payment instrument from the organization and ties it to the user who is responsible for payment.
Recommendation:
Terminology: I strongly suggest renaming "Billing Plan" to avoid confusion with subscription plans (like "Pro Plan"). Consider terms like "Payment Profile," "Billing Profile," or "Payment Method Set." This will make your code, UI, and user-facing documentation much clearer. For example, a user might have a "Corporate AMEX" profile and a "Personal Visa" profile.
This is a great concept. It decouples the payment instrument from the organization and ties it to the user who is responsible for payment.
Recommendation:
Terminology: I strongly suggest renaming "Billing Plan" to avoid confusion with subscription plans (like "Pro Plan"). Consider terms like "Payment Profile," "Billing Profile," or "Payment Method Set." This will make your code, UI, and user-facing documentation much clearer. For example, a user might have a "Corporate AMEX" profile and a "Personal Visa" profile.