Flow — Current-AY paid unlock & Tax Review

Summary

A free-tier user with confirmed documents clicks any "Unlock" / "Upgrade" CTA, pays via Razorpay through the global PlanPicker modal, and lands in the unlocked Tax Review.

Audience

end-user

Entry

Any "Unlock" / "Upgrade" CTA across Inbox, Tax, Expense, Portfolio, Ask, Settings, or Family — every CTA opens the global PlanPicker modal in place (per 2026-06-02-global-upload-plan-picker-modals). No redirect to a billing page.

Steps

#	Step	Surface	Notes
1	Plan picker	payment-paywall-modal	4-tier modal (Free / tier-self / tier-ai-self / tier-pro-family) marks current plan and shows pricing-upgrade-topups for eligible upgrades
2	Razorpay checkout	payment-razorpay-checkout	Razorpay Checkout.js invoked inline by useUnlockCheckout; UPI / cards / netbanking
3a	Success	payment-success	Brief confirmation toast; "Refund window 14 days or until first export" per 2026-06-14-refund-window-14-days
3b	Failure	payment-other-states	Retry or contact support
3c	Stuck (NPCI timeout)	payment-other-states	"We'll resolve within 30 min; you can also retry"
4	Tax Review unlocked	tax-review	Regime comparison chart + income waterfall + YoY position + Quick Check
5a	User exports	tax-filed	"Refund window closes on export"
5b	User hires a CA	hire-a-ca	See hire-a-ca flow
5c	User requests refund	refund-request	Allowed within 14-day window and no export issued

Exit

Unlocked tax-review with regime comparison chart, refund/owe position, and export option.

Escapes

• Cancel the modal: user stays on the originating surface, tier-free preserved.
• Payment failure: see step 3b — retry path via payment-other-states.
• Refund request: see refund-request flow; bounded by 2026-06-14-refund-window-14-days.
• Upgrade from existing paid tier: topup pricing shown per pricing-upgrade-topups; free-tier docs backfill via document-lifecycle-upgrade-backfill.

Sources

• .context/wiki/flows/* § "Flow 4 — Current-AY paid unlock & Tax Review"