Start free. Client-side tools are always free; server tools use a daily token allowance on the free tier. Upgrade for unmetered use.
Free-tier server-tool runs cost tokens that refill daily. Client-side tools never cost tokens. Paid tiers are unmetered.
Payments are processed by the gateway (Razorpay/Stripe). We never see card data.
Yes. Your account stays active until the end of the paid period, then reverts to free.