diff --git a/skills/managed-pentesting-with-strix/SKILL.md b/skills/managed-pentesting-with-strix/SKILL.md
index 4195111a..2b46ec06 100644
--- a/skills/managed-pentesting-with-strix/SKILL.md
+++ b/skills/managed-pentesting-with-strix/SKILL.md
@@ -71,9 +71,9 @@ strix cloud billing topup --credits 20 --yes   # --yes skips the confirmation pr
 strix cloud billing topup --credits 20 --no-pay   # print the 402 challenge without paying
 ```
 
-Card payments need a payer-side Stripe payment method. Pass it with `--payment-method pm_...` or set `MPPX_STRIPE_PAYMENT_METHOD`, together with the payer key in `MPPX_STRIPE_SECRET_KEY`. A funded `mppx` account (`npx mppx account create`) works for stablecoin payments without those variables.
+The default payment path is the Stripe agent wallet. Tell the user to set it up one time at [link.com/agents](https://link.com/agents). After setup, the user approves each payment in the Link app, and no keys or variables are necessary.
 
-If no wallet is available, print the challenge with `--no-pay` and ask the user to top up in the dashboard instead.
+If the user does not want a wallet, create a hosted checkout link with `strix cloud billing subscribe --plan strix_top_up` and give the link to the user. The user pays in the browser.
 
 Automatic top-ups (admin): `strix cloud billing auto-topup` shows the setting. Enable it with:
 
diff --git a/strix/interface/cloud/runner.py b/strix/interface/cloud/runner.py
index 7f7300c2..c4f461e3 100644
--- a/strix/interface/cloud/runner.py
+++ b/strix/interface/cloud/runner.py
@@ -225,8 +225,8 @@ def _build_parser(group: str, verb_label: str, cmd: Cmd) -> argparse.ArgumentPar
             default=None,
             metavar="PM_ID",
             help=(
-                "Stripe payment method for the card payment, for example pm_card_visa "
-                "in test mode. Defaults to MPPX_STRIPE_PAYMENT_METHOD."
+                "Stripe payment method for the card payment. "
+                "Defaults to MPPX_STRIPE_PAYMENT_METHOD."
             ),
         )
     return parser
@@ -380,9 +380,10 @@ def _topup(
         command += ["-M", f"paymentMethod={payment_method}"]
     elif not os.environ.get("MPPX_ACCOUNT") and not os.environ.get("MPPX_STRIPE_SECRET_KEY"):
         console.print(
-            "[dim]Tip: card payments need a wallet. Pass --payment-method, or set "
-            "MPPX_STRIPE_SECRET_KEY and MPPX_STRIPE_PAYMENT_METHOD, or create an "
-            "mppx account first with `npx mppx account create`.[/]"
+            "[dim]Tip: payments need a wallet. Set up a Stripe agent wallet at "
+            "https://link.com/agents, and the user approves each payment in the Link app. "
+            "If the user does not want a wallet, run "
+            "`strix cloud billing subscribe --plan strix_top_up` for a hosted checkout link.[/]"
         )
     result = subprocess.run(command, check=False)  # noqa: S603
     return http.EXIT_OK if result.returncode == 0 else http.EXIT_PAYMENT