diff --git a/components/Account/Account.tsx b/components/Account/Account.tsx
index 07dcb9f32..45f129914 100644
--- a/components/Account/Account.tsx
+++ b/components/Account/Account.tsx
@@ -7,6 +7,7 @@ import { useUserProvider } from "@/providers/UserProvder";
 import ArtistInstructionTextArea from "./ArtistInstructionTextArea";
 import Input from "../Input";
 import AccountIdDisplay from "../ArtistSetting/AccountIdDisplay";
+import BillingSection from "./BillingSection";
 
 const Account = () => {
   const {
@@ -104,6 +105,8 @@ const Account = () => {
         </div>
       </div>
 
+      <BillingSection />
+
       {/* Actions Section */}
       <div className="w-full space-y-3 mt-2">
       <button
diff --git a/components/Account/BillingSection.tsx b/components/Account/BillingSection.tsx
new file mode 100644
index 000000000..016e340e3
--- /dev/null
+++ b/components/Account/BillingSection.tsx
@@ -0,0 +1,38 @@
+import { Switch } from "@/components/ui/switch";
+import useAutoRecharge from "@/hooks/useAutoRecharge";
+
+/**
+ * Billing section of the account modal. Unlike the form fields above it, the
+ * auto top-up switch applies immediately (PATCH on flip) — it is not governed
+ * by the form's Save button, so it sits in its own divided section.
+ */
+const BillingSection = () => {
+  const { enabled, isLoading, isUpdating, setEnabled } = useAutoRecharge();
+
+  return (
+    <div className="w-full border-t border-border pt-4 mb-6">
+      <p className="text-sm font-medium text-foreground mb-3">Billing</p>
+      <div className="flex items-start justify-between gap-4">
+        <div>
+          <label htmlFor="auto-topup" className="text-sm text-foreground">
+            Automatic top-up
+          </label>
+          <p className="text-xs text-muted-foreground mt-0.5">
+            When your credits run out, automatically charge your saved card $5
+            for 500 credits. Turning this off never removes your card — you can
+            still top up manually anytime.
+          </p>
+        </div>
+        <Switch
+          id="auto-topup"
+          checked={enabled}
+          disabled={isLoading || isUpdating}
+          onCheckedChange={setEnabled}
+          className="mt-0.5"
+        />
+      </div>
+    </div>
+  );
+};
+
+export default BillingSection;
diff --git a/hooks/useAutoRecharge.ts b/hooks/useAutoRecharge.ts
new file mode 100644
index 000000000..62b3435c4
--- /dev/null
+++ b/hooks/useAutoRecharge.ts
@@ -0,0 +1,55 @@
+import { useMutation, useQuery, useQueryClient } from "@tanstack/react-query";
+import { toast } from "react-toastify";
+import { usePrivy } from "@privy-io/react-auth";
+import getAutoRechargeSetting from "@/lib/recoup/getAutoRechargeSetting";
+import updateAutoRechargeSetting from "@/lib/recoup/updateAutoRechargeSetting";
+import { useUserProvider } from "@/providers/UserProvder";
+
+/**
+ * Reads and updates the account's automatic top-up setting. The value is the
+ * live Stripe-read state from the api (never a cached local flag), so the
+ * toggle always shows the consent the charge path will actually honor.
+ */
+const useAutoRecharge = () => {
+  const { userData } = useUserProvider();
+  const { getAccessToken, authenticated } = usePrivy();
+  const queryClient = useQueryClient();
+  const accountId = userData?.account_id as string | undefined;
+
+  const query = useQuery({
+    queryKey: ["auto-recharge", accountId],
+    queryFn: async () => {
+      const accessToken = await getAccessToken();
+      if (!accessToken) {
+        throw new Error("Please sign in to load the auto top-up setting");
+      }
+      return getAutoRechargeSetting(accountId as string, accessToken);
+    },
+    enabled: authenticated && !!accountId,
+  });
+
+  const mutation = useMutation({
+    mutationFn: async (enabled: boolean) => {
+      const accessToken = await getAccessToken();
+      if (!accessToken) {
+        throw new Error("Please sign in to update the auto top-up setting");
+      }
+      return updateAutoRechargeSetting(accountId as string, accessToken, enabled);
+    },
+    onSuccess: (data) => {
+      queryClient.setQueryData(["auto-recharge", accountId], data);
+    },
+    onError: () => {
+      toast.error("Couldn't update automatic top-up. Please try again.");
+    },
+  });
+
+  return {
+    enabled: query.data?.enabled ?? true,
+    isLoading: query.isLoading,
+    isUpdating: mutation.isPending,
+    setEnabled: mutation.mutate,
+  };
+};
+
+export default useAutoRecharge;
diff --git a/lib/recoup/__tests__/getAutoRechargeSetting.test.ts b/lib/recoup/__tests__/getAutoRechargeSetting.test.ts
new file mode 100644
index 000000000..36e86e0c2
--- /dev/null
+++ b/lib/recoup/__tests__/getAutoRechargeSetting.test.ts
@@ -0,0 +1,46 @@
+import { describe, it, expect, vi, beforeEach } from "vitest";
+import getAutoRechargeSetting from "../getAutoRechargeSetting";
+import { NEW_API_BASE_URL } from "@/lib/consts";
+
+// Mock fetch globally
+const mockFetch = vi.fn();
+global.fetch = mockFetch;
+
+describe("getAutoRechargeSetting", () => {
+  beforeEach(() => {
+    vi.clearAllMocks();
+  });
+
+  it("fetches the auto top-up setting with the Privy bearer token", async () => {
+    const apiResponse = { account_id: "account-123", enabled: false };
+
+    mockFetch.mockResolvedValueOnce({
+      ok: true,
+      json: async () => apiResponse,
+    });
+
+    const result = await getAutoRechargeSetting("account-123", "test-token");
+
+    expect(mockFetch).toHaveBeenCalledWith(
+      `${NEW_API_BASE_URL}/api/accounts/account-123/auto-recharge`,
+      expect.objectContaining({
+        headers: expect.objectContaining({
+          Authorization: "Bearer test-token",
+        }),
+      }),
+    );
+    expect(result).toEqual(apiResponse);
+  });
+
+  it("throws on a non-ok response", async () => {
+    mockFetch.mockResolvedValueOnce({
+      ok: false,
+      status: 401,
+      json: async () => ({ error: "Unauthorized" }),
+    });
+
+    await expect(
+      getAutoRechargeSetting("account-123", "bad-token"),
+    ).rejects.toThrow("401");
+  });
+});
diff --git a/lib/recoup/__tests__/updateAutoRechargeSetting.test.ts b/lib/recoup/__tests__/updateAutoRechargeSetting.test.ts
new file mode 100644
index 000000000..5737cb3bd
--- /dev/null
+++ b/lib/recoup/__tests__/updateAutoRechargeSetting.test.ts
@@ -0,0 +1,53 @@
+import { describe, it, expect, vi, beforeEach } from "vitest";
+import updateAutoRechargeSetting from "../updateAutoRechargeSetting";
+import { NEW_API_BASE_URL } from "@/lib/consts";
+
+// Mock fetch globally
+const mockFetch = vi.fn();
+global.fetch = mockFetch;
+
+describe("updateAutoRechargeSetting", () => {
+  beforeEach(() => {
+    vi.clearAllMocks();
+  });
+
+  it("PATCHes the auto top-up setting with the Privy bearer token", async () => {
+    const apiResponse = { account_id: "account-123", enabled: false };
+
+    mockFetch.mockResolvedValueOnce({
+      ok: true,
+      json: async () => apiResponse,
+    });
+
+    const result = await updateAutoRechargeSetting(
+      "account-123",
+      "test-token",
+      false,
+    );
+
+    expect(mockFetch).toHaveBeenCalledWith(
+      `${NEW_API_BASE_URL}/api/accounts/account-123/auto-recharge`,
+      expect.objectContaining({
+        method: "PATCH",
+        headers: expect.objectContaining({
+          Authorization: "Bearer test-token",
+          "Content-Type": "application/json",
+        }),
+        body: JSON.stringify({ enabled: false }),
+      }),
+    );
+    expect(result).toEqual(apiResponse);
+  });
+
+  it("throws on a non-ok response", async () => {
+    mockFetch.mockResolvedValueOnce({
+      ok: false,
+      status: 403,
+      json: async () => ({ error: "Forbidden" }),
+    });
+
+    await expect(
+      updateAutoRechargeSetting("account-123", "bad-token", true),
+    ).rejects.toThrow("403");
+  });
+});
diff --git a/lib/recoup/getAutoRechargeSetting.ts b/lib/recoup/getAutoRechargeSetting.ts
new file mode 100644
index 000000000..1c9e47f40
--- /dev/null
+++ b/lib/recoup/getAutoRechargeSetting.ts
@@ -0,0 +1,33 @@
+import { getClientApiBaseUrl } from "@/lib/api/getClientApiBaseUrl";
+
+export interface AutoRechargeSetting {
+  account_id: string;
+  enabled: boolean;
+}
+
+/**
+ * GET /api/accounts/{id}/auto-recharge on the Recoup API (requires Privy
+ * bearer). Reads whether automatic top-up is enabled — the setting lives on
+ * the account's Stripe customer record and is read live by the api.
+ */
+async function getAutoRechargeSetting(
+  accountId: string,
+  accessToken: string,
+): Promise<AutoRechargeSetting> {
+  const response = await fetch(
+    `${getClientApiBaseUrl()}/api/accounts/${accountId}/auto-recharge`,
+    {
+      headers: {
+        Authorization: `Bearer ${accessToken}`,
+      },
+    },
+  );
+
+  if (!response.ok) {
+    throw new Error(`Failed to fetch auto top-up setting: ${response.status}`);
+  }
+
+  return response.json();
+}
+
+export default getAutoRechargeSetting;
diff --git a/lib/recoup/updateAutoRechargeSetting.ts b/lib/recoup/updateAutoRechargeSetting.ts
new file mode 100644
index 000000000..fc5c8b352
--- /dev/null
+++ b/lib/recoup/updateAutoRechargeSetting.ts
@@ -0,0 +1,33 @@
+import { getClientApiBaseUrl } from "@/lib/api/getClientApiBaseUrl";
+import type { AutoRechargeSetting } from "@/lib/recoup/getAutoRechargeSetting";
+
+/**
+ * PATCH /api/accounts/{id}/auto-recharge on the Recoup API (requires Privy
+ * bearer). Disabling never removes the saved card — manual checkout top-ups
+ * keep working and re-enabling requires no card re-entry.
+ */
+async function updateAutoRechargeSetting(
+  accountId: string,
+  accessToken: string,
+  enabled: boolean,
+): Promise<AutoRechargeSetting> {
+  const response = await fetch(
+    `${getClientApiBaseUrl()}/api/accounts/${accountId}/auto-recharge`,
+    {
+      method: "PATCH",
+      headers: {
+        Authorization: `Bearer ${accessToken}`,
+        "Content-Type": "application/json",
+      },
+      body: JSON.stringify({ enabled }),
+    },
+  );
+
+  if (!response.ok) {
+    throw new Error(`Failed to update auto top-up setting: ${response.status}`);
+  }
+
+  return response.json();
+}
+
+export default updateAutoRechargeSetting;