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]);
+}
diff --git a/src/routes/painel.tsx b/src/routes/painel.tsx
index cd7d44b..85754b3 100644
--- a/src/routes/painel.tsx
+++ b/src/routes/painel.tsx
@@ -17,6 +17,7 @@ import { useQuery } from "@tanstack/react-query";
 import { supabase } from "@/integrations/supabase/client";
 import { useAuth } from "@/hooks/use-auth";
 import { useProfile } from "@/hooks/use-profile";
+import { useSubscriptionRealtime } from "@/hooks/use-subscription-realtime";
 
 const PADDLE_ENV = (import.meta.env.VITE_PADDLE_ENVIRONMENT as string) === "production" ? "live" : "sandbox";
 import { Logo } from "@/components/mika/Logo";
@@ -83,6 +84,9 @@ function PainelLayout() {
   const location = useLocation();
   const [mobileOpen, setMobileOpen] = useState(false);
 
+  // Atualiza queries quando o webhook gravar/alterar a assinatura
+  useSubscriptionRealtime();
+
   // Faturamento permanece acessível mesmo sem assinatura ativa
   // (para que o usuário possa ver o estado e assinar / gerenciar).
   const skipSubGuard = location.pathname.startsWith("/painel/faturamento");
diff --git a/supabase/migrations/20260417175349_c5290736-3871-4f0d-aa72-316b65ce6bca.sql b/supabase/migrations/20260417175349_c5290736-3871-4f0d-aa72-316b65ce6bca.sql
new file mode 100644
index 0000000..6bb2057
--- /dev/null
+++ b/supabase/migrations/20260417175349_c5290736-3871-4f0d-aa72-316b65ce6bca.sql
@@ -0,0 +1,2 @@
+ALTER TABLE public.subscriptions REPLICA IDENTITY FULL;
+ALTER PUBLICATION supabase_realtime ADD TABLE public.subscriptions;
\ No newline at end of file