diff --git a/frontend/src/pages/relays/RelayDetail.tsx b/frontend/src/pages/relays/RelayDetail.tsx
index 24ee55f..b8a9968 100644
--- a/frontend/src/pages/relays/RelayDetail.tsx
+++ b/frontend/src/pages/relays/RelayDetail.tsx
@@ -1,5 +1,5 @@
 import { useParams } from "@solidjs/router"
-import { createMemo, createResource, Show } from "solid-js"
+import { createMemo, createResource, createSignal, Show } from "solid-js"
 import BackLink from "@/components/BackLink"
 import PageContainer from "@/components/PageContainer"
 import PaymentSetup from "@/components/PaymentSetup"
@@ -7,8 +7,9 @@ import RelayDetailCard from "@/components/RelayDetailCard"
 import ResourceState from "@/components/ResourceState"
 import useMinLoading from "@/components/useMinLoading"
 import ActivityFeed from "@/components/ActivityFeed"
-import { getRelayMembers, useRelay, useRelayActivity } from "@/lib/hooks"
+import { getRelayMembers, useRelay, useRelayActivity, useTenant } from "@/lib/hooks"
 import useRelayToggles from "@/lib/useRelayToggles"
+import { plans } from "@/lib/state"
 
 export default function RelayDetail() {
   const params = useParams()
@@ -23,6 +24,21 @@ export default function RelayDetail() {
   const [activity] = useRelayActivity(relayId)
   const { busy, handleDeactivate, handleReactivate, handleUpdatePlan, needsPaymentSetup, clearNeedsPaymentSetup, toggles } = useRelayToggles(relayId, relay, { refetch, mutate })
 
+  const [tenant, { refetch: refetchTenant }] = useTenant()
+  const [paymentSetupOpen, setPaymentSetupOpen] = createSignal(false)
+  const [paymentBannerDismissed, setPaymentBannerDismissed] = createSignal(false)
+
+  const showPaymentNudge = createMemo(() => {
+    if (paymentBannerDismissed()) return false
+    const r = relay()
+    if (!r) return false
+    const plan = plans().find(p => p.id === r.plan)
+    if (!plan || plan.amount === 0) return false
+    const t = tenant()
+    if (!t) return false
+    return !t.nwc_url && !t.stripe_subscription_id
+  })
+
   return (
     <PageContainer>
       <BackLink href="/relays" label="Relays" />
@@ -30,6 +46,35 @@ export default function RelayDetail() {
       <Show when={!loading() && relay()}>
         {(r) => (
           <div class="space-y-6 mb-6">
+            <Show when={showPaymentNudge()}>
+              <div class="rounded-lg border border-amber-200 bg-amber-50 p-4 flex items-start justify-between gap-4">
+                <div class="min-w-0">
+                  <p class="text-sm font-medium text-amber-800">Payment method recommended</p>
+                  <p class="text-sm text-amber-700 mt-1">
+                    This relay is on a paid plan. Invoices are due at end of the billing period, you can pay manually or set up automatic payments now.
+                  </p>
+                </div>
+                <div class="flex items-center gap-3 shrink-0">
+                  <button
+                    type="button"
+                    onClick={() => setPaymentSetupOpen(true)}
+                    class="text-sm font-medium text-amber-800 underline hover:text-amber-900 whitespace-nowrap"
+                  >
+                    Set up payment
+                  </button>
+                  <button
+                    type="button"
+                    onClick={() => setPaymentBannerDismissed(true)}
+                    aria-label="Dismiss"
+                    class="text-amber-500 hover:text-amber-800 shrink-0"
+                  >
+                    <svg class="w-4 h-4" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round">
+                      <path d="M18 6L6 18M6 6l12 12" />
+                    </svg>
+                  </button>
+                </div>
+              </div>
+            </Show>
             <RelayDetailCard
               relay={r()}
               currentMembers={members.length}
@@ -46,8 +91,12 @@ export default function RelayDetail() {
         )}
       </Show>
       <PaymentSetup
-        open={needsPaymentSetup()}
-        onClose={clearNeedsPaymentSetup}
+        open={needsPaymentSetup() || paymentSetupOpen()}
+        onClose={() => {
+          clearNeedsPaymentSetup()
+          setPaymentSetupOpen(false)
+          void refetchTenant()
+        }}
       />
     </PageContainer>
   )