Start a paid-plan upgrade. Choose the target plan: ‘basic’ ($15/mo — 15 cards/month, up to $500 per card) or ‘pro’ ($100/mo — 50 cards/month, up to $1,000 per card). Defaults to ‘basic’ if omitted. Returns a Stripe Checkout URL the user must open in their browser to complete payment. After they finish checkout, the plan updates automatically; verify with get_plan. Use only when the user explicitly wants to upgrade. To cancel a paid plan instead, the gated tool cancel_plan also exists; call it by name even though it isn’t in the tools list.