diff --git a/src/hooks/use-subscription-realtime.ts b/src/hooks/use-subscription-realtime.ts
new file mode 100644
index 0000000..d946923
--- /dev/null
+++ b/src/hooks/use-subscription-realtime.ts
@@ -0,0 +1,42 @@
+"use client";
+
+import { useEffect } from "react";
+import { useQueryClient } from "@tanstack/react-query";
+import { supabase } from "@/integrations/supabase/client";
+import { useAuth } from "@/hooks/use-auth";
+
+/**
+ * Subscribes to realtime changes on the user's subscription row.
+ * When the payments webhook upserts a subscription, the affected
+ * queries are invalidated so the UI updates without a page reload.
+ */
+export function useSubscriptionRealtime() {
+  const { user } = useAuth();
+  const queryClient = useQueryClient();
+
+  useEffect(() => {
+    if (!user?.id) return;
+
+    const channel = supabase
+      .channel(`subscriptions:user:${user.id}`)
+      .on(
+        "postgres_changes",
+        {
+          event: "*",
+          schema: "public",
+          table: "subscriptions",
+          filter: `user_id=eq.${user.id}`,
+        },
+        () => {
+          queryClient.invalidateQueries({ queryKey: ["subscription", user.id] });
+          queryClient.invalidateQueries({ queryKey: ["has-active-subscription", user.id] });
+          queryClient.invalidateQueries({ queryKey: ["plan"] });
+        },
+      )
+      .subscribe();
+
+    return () => {
+      supabase.removeChannel(channel);
+    };
+  }, [user?.id, queryClient]);
+}