diff --git a/modules/rcart/components/folk-payment-page.ts b/modules/rcart/components/folk-payment-page.ts
index 5d1aecc..5bee700 100644
--- a/modules/rcart/components/folk-payment-page.ts
+++ b/modules/rcart/components/folk-payment-page.ts
@@ -42,6 +42,9 @@ class FolkPaymentPage extends HTMLElement {
 	// Editable amount (for amountEditable payments)
 	private customAmount = '';
 
+	// Payer-chosen payment type (when paymentType === 'payer_choice')
+	private chosenPaymentType: 'single' | 'subscription' = 'single';
+
 	// QR state
 	private qrDataUrl = '';
 
@@ -347,6 +350,7 @@ class FolkPaymentPage extends HTMLElement {
 
 	private async updatePaymentStatus(status: string, method: string, txHash?: string | null, transakOrderId?: string | null) {
 		try {
+			const p = this.payment;
 			await fetch(`${this.getApiBase()}/api/payments/${this.paymentId}/status`, {
 				method: 'PATCH',
 				headers: { 'Content-Type': 'application/json' },
@@ -355,6 +359,8 @@ class FolkPaymentPage extends HTMLElement {
 					paymentMethod: method,
 					txHash: txHash || undefined,
 					transakOrderId: transakOrderId || undefined,
+					// When payer_choice, tell server what the payer chose
+					...(p?.paymentType === 'payer_choice' ? { chosenPaymentType: this.chosenPaymentType } : {}),
 				}),
 			});
 			await this.loadPayment();
@@ -413,6 +419,14 @@ class FolkPaymentPage extends HTMLElement {
 			<div class="description">${this.esc(p.description)}</div>
 
 			${p.paymentType === 'subscription' ? '<div class="type-badge">Subscription</div>' : ''}
+			${p.paymentType === 'payer_choice' && p.status === 'pending' ? `
+				<div class="payer-type-chooser">
+					<span class="chooser-label">How would you like to pay?</span>
+					<div class="toggle-group">
+						<button class="toggle-btn ${this.chosenPaymentType === 'single' ? 'active' : ''}" data-choose-type="single">One-time</button>
+						<button class="toggle-btn ${this.chosenPaymentType === 'subscription' ? 'active' : ''}" data-choose-type="subscription">Recurring</button>
+					</div>
+				</div>` : ''}
 			${p.maxPayments > 0 ? `<div class="inventory-bar">
 				<div class="inventory-label">${p.paymentCount || 0} / ${p.maxPayments} payments</div>
 				<div class="inventory-track"><div class="inventory-fill" style="width:${Math.min(100, ((p.paymentCount || 0) / p.maxPayments) * 100)}%"></div></div>
@@ -581,6 +595,14 @@ class FolkPaymentPage extends HTMLElement {
 		const customAmtInput = this.shadow.querySelector('[data-field="custom-amount"]') as HTMLInputElement;
 		customAmtInput?.addEventListener('input', () => { this.customAmount = customAmtInput.value; });
 
+		// Payer payment type chooser
+		this.shadow.querySelectorAll('[data-choose-type]').forEach((el) => {
+			el.addEventListener('click', () => {
+				this.chosenPaymentType = (el as HTMLElement).dataset.chooseType as 'single' | 'subscription';
+				this.render();
+			});
+		});
+
 		// Card tab
 		const emailInput = this.shadow.querySelector('[data-field="card-email"]') as HTMLInputElement;
 		emailInput?.addEventListener('input', () => { this.cardEmail = emailInput.value; });
@@ -623,6 +645,14 @@ class FolkPaymentPage extends HTMLElement {
 			.type-badge { text-align: center; margin-bottom: 0.75rem; }
 			.type-badge { display: inline-block; padding: 0.1875rem 0.625rem; border-radius: 999px; font-size: 0.6875rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.03em; background: rgba(99,102,241,0.12); color: #818cf8; }
 
+			.payer-type-chooser { text-align: center; margin-bottom: 1rem; padding: 0.75rem; background: var(--rs-bg-surface); border: 1px solid var(--rs-border); border-radius: 8px; }
+			.chooser-label { display: block; font-size: 0.8125rem; color: var(--rs-text-secondary); margin-bottom: 0.5rem; }
+			.toggle-group { display: inline-flex; gap: 0; border: 1px solid var(--rs-border); border-radius: 8px; overflow: hidden; }
+			.toggle-btn { padding: 0.4375rem 1rem; border: none; background: var(--rs-bg-surface); color: var(--rs-text-secondary); cursor: pointer; font-size: 0.8125rem; font-weight: 500; transition: all 0.15s; }
+			.toggle-btn:not(:last-child) { border-right: 1px solid var(--rs-border); }
+			.toggle-btn.active { background: var(--rs-primary-hover); color: #fff; }
+			.toggle-btn:hover:not(.active) { background: var(--rs-bg-hover); }
+
 			.inventory-bar { margin-bottom: 1rem; padding: 0.5rem 0.75rem; background: var(--rs-bg-surface); border: 1px solid var(--rs-border); border-radius: 8px; }
 			.inventory-label { font-size: 0.75rem; color: var(--rs-text-secondary); margin-bottom: 0.375rem; text-align: center; }
 			.inventory-track { height: 6px; border-radius: 3px; background: rgba(255,255,255,0.08); overflow: hidden; }
diff --git a/modules/rcart/components/folk-payment-request.ts b/modules/rcart/components/folk-payment-request.ts
index a570989..88bc2f6 100644
--- a/modules/rcart/components/folk-payment-request.ts
+++ b/modules/rcart/components/folk-payment-request.ts
@@ -25,7 +25,7 @@ class FolkPaymentRequest extends HTMLElement {
 	private amountEditable = false;
 	private token: 'USDC' | 'ETH' = 'USDC';
 	private chainId = 8453;
-	private paymentType: 'single' | 'subscription' = 'single';
+	private paymentType: 'single' | 'subscription' | 'payer_choice' = 'single';
 	private maxPayments = 0; // 0 = unlimited
 	private enabledMethods = { card: true, wallet: true, encryptid: true };
 
@@ -287,11 +287,14 @@ class FolkPaymentRequest extends HTMLElement {
 				<div class="field">
 					<label class="label">Payment Type</label>
 					<div class="toggle-group">
-						<button class="toggle-btn ${this.paymentType === 'single' ? 'active' : ''}" data-payment-type="single">Single Payment</button>
+						<button class="toggle-btn ${this.paymentType === 'single' ? 'active' : ''}" data-payment-type="single">Single</button>
 						<button class="toggle-btn ${this.paymentType === 'subscription' ? 'active' : ''}" data-payment-type="subscription">Subscription</button>
+						<button class="toggle-btn ${this.paymentType === 'payer_choice' ? 'active' : ''}" data-payment-type="payer_choice">Payer Decides</button>
 					</div>
 					<span class="field-hint">${this.paymentType === 'subscription'
 						? 'QR stays active — accepts multiple payments over time'
+						: this.paymentType === 'payer_choice'
+						? 'Payer chooses whether to pay once or subscribe'
 						: 'One-time payment — QR deactivates after payment'}</span>
 				</div>
 
@@ -350,6 +353,7 @@ class FolkPaymentRequest extends HTMLElement {
 
 		const tags: string[] = [];
 		if (this.paymentType === 'subscription') tags.push('Subscription');
+		else if (this.paymentType === 'payer_choice') tags.push('Payer chooses type');
 		if (this.amountEditable) tags.push('Editable amount');
 		if (this.maxPayments > 0) tags.push(`Limit: ${this.maxPayments}`);
 		const methods = [
@@ -416,7 +420,7 @@ class FolkPaymentRequest extends HTMLElement {
 		// Payment type toggle
 		this.shadow.querySelectorAll('[data-payment-type]').forEach((el) => {
 			el.addEventListener('click', () => {
-				this.paymentType = (el as HTMLElement).dataset.paymentType as 'single' | 'subscription';
+				this.paymentType = (el as HTMLElement).dataset.paymentType as 'single' | 'subscription' | 'payer_choice';
 				this.render();
 			});
 		});
diff --git a/modules/rcart/mod.ts b/modules/rcart/mod.ts
index 1d12c14..07a1f47 100644
--- a/modules/rcart/mod.ts
+++ b/modules/rcart/mod.ts
@@ -1170,7 +1170,7 @@ routes.post("/api/payments", async (c) => {
 		d.payment.fiatCurrency = fiatCurrency;
 		d.payment.creatorDid = claims.sub;
 		d.payment.status = 'pending';
-		d.payment.paymentType = paymentType === 'subscription' ? 'subscription' : 'single';
+		d.payment.paymentType = (['single', 'subscription', 'payer_choice'].includes(paymentType)) ? paymentType : 'single';
 		d.payment.maxPayments = Math.max(0, parseInt(maxPayments) || 0);
 		d.payment.paymentCount = 0;
 		d.payment.enabledMethods = {
@@ -1285,7 +1285,7 @@ routes.patch("/api/payments/:id/status", async (c) => {
 	if (!doc) return c.json({ error: "Payment request not found" }, 404);
 
 	const body = await c.req.json();
-	const { status, txHash, paymentMethod, payerIdentity, transakOrderId, amount } = body;
+	const { status, txHash, paymentMethod, payerIdentity, transakOrderId, amount, chosenPaymentType } = body;
 	const validStatuses = ['pending', 'paid', 'confirmed', 'expired', 'cancelled', 'filled'];
 	if (status && !validStatuses.includes(status)) {
 		return c.json({ error: `status must be one of: ${validStatuses.join(", ")}` }, 400);
@@ -1312,8 +1312,12 @@ routes.patch("/api/payments/:id/status", async (c) => {
 		if (status === 'paid') {
 			d.payment.paidAt = now;
 			d.payment.paymentCount = (d.payment.paymentCount || 0) + 1;
-			// For subscriptions/multi-pay, reset to pending after payment (unless filled)
-			if (d.payment.paymentType === 'subscription' || d.payment.maxPayments > 1) {
+			// Determine if this payment should stay open for more payments
+			const effectiveType = d.payment.paymentType === 'payer_choice'
+				? (chosenPaymentType === 'subscription' ? 'subscription' : 'single')
+				: d.payment.paymentType;
+			const isRecurring = effectiveType === 'subscription' || d.payment.maxPayments > 1;
+			if (isRecurring) {
 				if (d.payment.maxPayments > 0 && d.payment.paymentCount >= d.payment.maxPayments) {
 					d.payment.status = 'filled';
 				} else {
diff --git a/modules/rcart/schemas.ts b/modules/rcart/schemas.ts
index 4a99508..f46a01e 100644
--- a/modules/rcart/schemas.ts
+++ b/modules/rcart/schemas.ts
@@ -292,8 +292,8 @@ export interface PaymentRequestMeta {
 	txHash: string | null;
 	payerIdentity: string | null;
 	transakOrderId: string | null;
-	// Payment type: one-time or recurring subscription
-	paymentType: 'single' | 'subscription';
+	// Payment type: one-time, recurring, or payer's choice
+	paymentType: 'single' | 'subscription' | 'payer_choice';
 	// Inventory: max number of payments (0 = unlimited)
 	maxPayments: number;
 	// How many have been paid