diff --git a/chat/public/settings.html b/chat/public/settings.html
index 664f6c8..6edd97d 100644
--- a/chat/public/settings.html
+++ b/chat/public/settings.html
@@ -1347,8 +1347,8 @@
         showConfirmModal({
           title: 'Change Subscription Plan',
           body: isDowngrade
-            ? `You are downgrading from ${currentLabel} to ${planLabel}. Any price difference will be credited to your account and applied to future renewals. Your subscription will continue without interruption.`
-            : `You are upgrading from ${currentLabel} to ${planLabel}. You will be charged the difference for the current billing period. Your subscription will update immediately.`,
+            ? `<strong>Your card will be charged for any price difference.</strong><br><br>You are downgrading from ${currentLabel} to ${planLabel}. Any price difference will be credited to your account and applied to future renewals. Your subscription will continue without interruption.`
+            : `<strong>Your card will be charged for the price difference.</strong><br><br>You are upgrading from ${currentLabel} to ${planLabel}. You will be charged the difference for the current billing period. Your subscription will update immediately.`,
           icon: 'info',
           onConfirm: async () => {
             setStatus('Changing subscription plan...');
@@ -1381,7 +1381,7 @@
         return;
       }
 
-      // Handle paid-to-free downgrade (schedule cancellation at period end)
+      // Handle paid-to-free downgrade (use same cancel endpoint as cancel button)
       if (isPaidToFree) {
         const renewsAt = account?.subscriptionRenewsAt;
         const dateStr = renewsAt ? new Date(renewsAt).toLocaleDateString(undefined, { year: 'numeric', month: 'long', day: 'numeric' }) : 'the end of your billing period';
@@ -1393,19 +1393,13 @@
           onConfirm: async () => {
             setStatus('Scheduling cancellation...');
             try {
-              const resp = await fetch('/api/account', {
+              const resp = await fetch('/api/subscription/cancel', {
                 method: 'POST',
                 headers: {
                   'Content-Type': 'application/json',
                   'X-CSRF-Token': csrfToken,
                 },
                 credentials: 'same-origin',
-                body: JSON.stringify({
-                  plan: newPlan,
-                  billingCycle: newBillingCycle,
-                  currency: newCurrency,
-                  billingEmail: newBillingEmail,
-                }),
               });
 
               const data = await resp.json().catch(() => ({}));