diff --git a/apps/web/src/page/onboarding/bill-through-link.ts b/apps/web/src/page/onboarding/bill-through-link.ts
new file mode 100644
index 0000000000..48bee0e9c1
--- /dev/null
+++ b/apps/web/src/page/onboarding/bill-through-link.ts
@@ -0,0 +1,18 @@
+import type { Html, HtmlBuilder } from "foldkit/html"
+import { AppRoute, hrefOf } from "../../route"
+
+/** Under the plan picker: an org another org pays for links itself in billing settings instead. */
+export const billThroughAnotherOrgLink = <M>(h: HtmlBuilder<M>): Html =>
+	h.p(
+		[h.Class("text-center text-xs text-muted-foreground")],
+		[
+			"Billed through another organization? ",
+			h.a(
+				[
+					h.Href(hrefOf(AppRoute.Settings({ search: { tab: "billing" } }))),
+					h.Class("text-foreground underline-offset-4 hover:underline"),
+				],
+				["Link it in billing settings"],
+			),
+		],
+	)
diff --git a/apps/web/src/page/onboarding/plan-gate.test.ts b/apps/web/src/page/onboarding/plan-gate.test.ts
index 7323241312..7d2107ac29 100644
--- a/apps/web/src/page/onboarding/plan-gate.test.ts
+++ b/apps/web/src/page/onboarding/plan-gate.test.ts
@@ -41,15 +41,32 @@ describe("plan gate", () => {
 
 	test("an org that never held a plan is sent to onboarding with its destination", () => {
 		expect(gate(home, customerWith(null)).redirect).toEqual(
-			Option.some({ url: hrefOf(AppRoute.QuickStart({ search: { redirect_url: "/" } })), isReplace: true }),
+			Option.some({
+				url: hrefOf(AppRoute.QuickStart({ search: { redirect_url: "/" } })),
+				isReplace: true,
+			}),
 		)
 	})
 
+	test("an org with no plan reaches billing settings, where it links to the org that pays", () => {
+		const billing = AppRoute.Settings({ search: { tab: "billing" } })
+		expect(gate(billing, customerWith(null)).redirect).toEqual(Option.none())
+		expect(gate(billing, loading).isSplash).toBe(false)
+		expect(
+			Option.isSome(
+				gate(AppRoute.Settings({ search: { tab: "members" } }), customerWith(null)).redirect,
+			),
+		).toBe(true)
+	})
+
 	test("a subscriber finishes the onboarding steps after the plan, and leaves the plan picker", () => {
-		expect(gate(AppRoute.QuickStart({ search: {} }), customerWith("active")).redirect).toEqual(Option.none())
-		expect(gate(AppRoute.SelectPlan({ search: { redirect_url: "/traces" } }), customerWith("active")).redirect).toEqual(
-			Option.some({ url: "/traces", isReplace: true }),
+		expect(gate(AppRoute.QuickStart({ search: {} }), customerWith("active")).redirect).toEqual(
+			Option.none(),
 		)
+		expect(
+			gate(AppRoute.SelectPlan({ search: { redirect_url: "/traces" } }), customerWith("active"))
+				.redirect,
+		).toEqual(Option.some({ url: "/traces", isReplace: true }))
 	})
 
 	test("a failed customer read fails open", () => {
@@ -78,7 +95,10 @@ describe("plan gate", () => {
 		expect(at(elsewhere, AppRoute.CliLogin({ search: {} })).wrongRegion).toBe("eu")
 		const open: ClerkOrganization = { ...elsewhere, isRegionOpen: true }
 		expect(at(open, home).redirect).toEqual(
-			Option.some({ url: hrefOf(AppRoute.QuickStart({ search: { redirect_url: "/" } })), isReplace: true }),
+			Option.some({
+				url: hrefOf(AppRoute.QuickStart({ search: { redirect_url: "/" } })),
+				isReplace: true,
+			}),
 		)
 		expect(at(open, home).wrongRegion).toBeNull()
 	})
diff --git a/apps/web/src/page/onboarding/plan-gate.ts b/apps/web/src/page/onboarding/plan-gate.ts
index 09eb916946..45ef1ea7bf 100644
--- a/apps/web/src/page/onboarding/plan-gate.ts
+++ b/apps/web/src/page/onboarding/plan-gate.ts
@@ -67,7 +67,11 @@ export const saveSelectedPlanKnown = (orgId: string, mayRenderApp: boolean): Eff
 // GATE
 
 /** Routes that render their own onboarding or billing UI: never sent away for want of a plan. */
-const isAllowedWithoutPlan = AppRoute.isAnyOf(["SelectPlan", "QuickStart", "CliLogin", "McpAuthorize"])
+const isPlanFreeRoute = AppRoute.isAnyOf(["SelectPlan", "QuickStart", "CliLogin", "McpAuthorize"])
+
+// Billing settings too: an org with no plan links itself to the org that pays for it there.
+const isAllowedWithoutPlan = (route: AppRoute): boolean =>
+	isPlanFreeRoute(route) || (route._tag === "Settings" && route.search.tab === "billing")
 
 /** Public paths that never read org data (`isOrgIndependentPath`). */
 const isOrgIndependent = AppRoute.isAnyOf(["Unsubscribe"])
diff --git a/apps/web/src/page/onboarding/quick-start-team-view.ts b/apps/web/src/page/onboarding/quick-start-team-view.ts
index dc2962d9e0..a5863c189f 100644
--- a/apps/web/src/page/onboarding/quick-start-team-view.ts
+++ b/apps/web/src/page/onboarding/quick-start-team-view.ts
@@ -10,6 +10,7 @@ import { skeleton } from "../../ui/skeleton"
 import { icon, type IconName } from "../../ui/icon"
 import { input } from "../../ui/input"
 import { label } from "../../ui/label"
+import { billThroughAnotherOrgLink } from "./bill-through-link"
 import { Message } from "./quick-start"
 import { STEP_BODY_CLASS, STEP_FOOTER_CLASS } from "./step-layout"
 import { isAlreadyInvited, type Team, TeamMessage } from "./quick-start-team"
@@ -299,6 +300,7 @@ export const planStep = (h: H, isCustomerLoading: boolean, pricing: Html): Html
 						],
 					),
 					isCustomerLoading ? pricingSkeleton(h) : pricing,
+					h.div([h.Class("mt-8")], [billThroughAnotherOrgLink(h)]),
 				],
 			),
 		],
diff --git a/apps/web/src/page/onboarding/select-plan.ts b/apps/web/src/page/onboarding/select-plan.ts
index 37a681013a..8a641d3d60 100644
--- a/apps/web/src/page/onboarding/select-plan.ts
+++ b/apps/web/src/page/onboarding/select-plan.ts
@@ -8,6 +8,7 @@ import { defineMessageUnion } from "foldkit/message"
 import type { Resources } from "../../platform/resources"
 import { badge } from "../../ui/display"
 import { icon } from "../../ui/icon"
+import { billThroughAnotherOrgLink } from "./bill-through-link"
 import * as PricingCards from "./pricing-cards"
 import * as PricingCardsView from "./pricing-cards-view"
 
@@ -142,6 +143,7 @@ export const view = (h: H, model: Model, customer: BillingCustomer | undefined):
 							}),
 						],
 					),
+					billThroughAnotherOrgLink(h),
 				],
 			),
 		],