diff --git a/bubble-server/src/main/java/bubble/cloud/payment/PaymentDriverBase.java b/bubble-server/src/main/java/bubble/cloud/payment/PaymentDriverBase.java
index ef00a807..c250d8a6 100644
--- a/bubble-server/src/main/java/bubble/cloud/payment/PaymentDriverBase.java
+++ b/bubble-server/src/main/java/bubble/cloud/payment/PaymentDriverBase.java
@@ -60,7 +60,7 @@ public abstract class PaymentDriverBase<T> extends CloudServiceDriverBase<T> imp
         return bill;
     }
 
-    @Override public boolean authorize(BubblePlan plan, AccountPlan accountPlan, AccountPaymentMethod paymentMethod) {
+    @Override public boolean authorize(BubblePlan plan, AccountPaymentMethod paymentMethod) {
         return true;
     }
 
diff --git a/bubble-server/src/main/java/bubble/cloud/payment/PaymentServiceDriver.java b/bubble-server/src/main/java/bubble/cloud/payment/PaymentServiceDriver.java
index dc83eff5..553dc52b 100644
--- a/bubble-server/src/main/java/bubble/cloud/payment/PaymentServiceDriver.java
+++ b/bubble-server/src/main/java/bubble/cloud/payment/PaymentServiceDriver.java
@@ -17,7 +17,7 @@ public interface PaymentServiceDriver {
     default PaymentValidationResult claim(AccountPaymentMethod paymentMethod) { return notSupported("claim"); }
     default PaymentValidationResult claim(AccountPlanPaymentMethod planPaymentMethod) { return notSupported("claim"); }
 
-    boolean authorize(BubblePlan plan, AccountPlan accountPlan, AccountPaymentMethod paymentMethod);
+    boolean authorize(BubblePlan plan, AccountPaymentMethod paymentMethod);
 
     boolean purchase(String accountPlanUuid, String paymentMethodUuid, String billUuid);
 
diff --git a/bubble-server/src/main/java/bubble/cloud/payment/delegate/DelegatedPaymentDriver.java b/bubble-server/src/main/java/bubble/cloud/payment/delegate/DelegatedPaymentDriver.java
index 9c79fac7..2a7c29b1 100644
--- a/bubble-server/src/main/java/bubble/cloud/payment/delegate/DelegatedPaymentDriver.java
+++ b/bubble-server/src/main/java/bubble/cloud/payment/delegate/DelegatedPaymentDriver.java
@@ -52,12 +52,12 @@ public class DelegatedPaymentDriver extends DelegatedCloudServiceDriverBase impl
                 new PaymentMethodClaimNotification(cloud.getName(), planPaymentMethod));
     }
 
-    @Override public boolean authorize(BubblePlan plan, AccountPlan accountPlan, AccountPaymentMethod paymentMethod) {
+    @Override public boolean authorize(BubblePlan plan, AccountPaymentMethod paymentMethod) {
         final BubbleNode delegate = getDelegateNode();
         final PaymentResult result = notificationService.notifySync(delegate, payment_driver_authorize,
                 new PaymentNotification()
                         .setCloud(cloud.getName())
-                        .setAccountPlanUuid(accountPlan.getUuid())
+                        .setPlanUuid(plan.getUuid())
                         .setPaymentMethodUuid(paymentMethod.getUuid()));
         return processResult(result);
     }
diff --git a/bubble-server/src/main/java/bubble/cloud/payment/stripe/StripePaymentDriver.java b/bubble-server/src/main/java/bubble/cloud/payment/stripe/StripePaymentDriver.java
index b08a3233..54095116 100644
--- a/bubble-server/src/main/java/bubble/cloud/payment/stripe/StripePaymentDriver.java
+++ b/bubble-server/src/main/java/bubble/cloud/payment/stripe/StripePaymentDriver.java
@@ -14,6 +14,7 @@ import com.stripe.model.Customer;
 import lombok.Getter;
 import lombok.extern.slf4j.Slf4j;
 import org.cobbzilla.wizard.cache.redis.RedisService;
+import org.cobbzilla.wizard.validation.SimpleViolationException;
 import org.springframework.beans.factory.annotation.Autowired;
 
 import java.util.HashMap;
@@ -123,9 +124,8 @@ public class StripePaymentDriver extends PaymentDriverBase<StripePaymentDriverCo
     }
 
     @Override public boolean authorize(BubblePlan plan,
-                                       AccountPlan accountPlan,
                                        AccountPaymentMethod paymentMethod) {
-        final String accountPlanUuid = accountPlan.getUuid();
+        final String planUuid = plan.getUuid();
         final String paymentMethodUuid = paymentMethod.getUuid();
 
         final Charge charge;
@@ -136,10 +136,10 @@ public class StripePaymentDriver extends PaymentDriverBase<StripePaymentDriverCo
             chargeParams.put("currency", plan.getCurrency().toLowerCase());
             chargeParams.put("customer", paymentMethod.getPaymentInfo());
             chargeParams.put("description", plan.chargeDescription());
-            chargeParams.put("statement_description", plan.chargeDescription());
+            chargeParams.put("statement_descriptor", plan.chargeDescription());
             chargeParams.put("capture", false);
             final String chargeJson = json(chargeParams, COMPACT_MAPPER);
-            final String authCacheKey = getAuthCacheKey(accountPlanUuid, paymentMethodUuid);
+            final String authCacheKey = getAuthCacheKey(planUuid, paymentMethodUuid);
             final String chargeId = authCache.get(authCacheKey);
             if (chargeId != null) {
                 log.warn("authorize: already authorized: "+authCacheKey);
@@ -149,7 +149,7 @@ public class StripePaymentDriver extends PaymentDriverBase<StripePaymentDriverCo
                 charge = Charge.create(chargeParams);
             }
             if (charge.getStatus() == null) {
-                final String msg = "authorize: no status returned for Charge, accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid;
+                final String msg = "authorize: no status returned for Charge, plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid;
                 log.error(msg);
                 throw invalidEx("err.purchase.cardUnknownError", msg);
             } else {
@@ -165,29 +165,32 @@ public class StripePaymentDriver extends PaymentDriverBase<StripePaymentDriverCo
                         return true;
 
                     case "pending":
-                        msg = "authorize: status='pending' (expected 'succeeded'), accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid;
+                        msg = "authorize: status='pending' (expected 'succeeded'), plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid;
                         log.error(msg);
                         throw invalidEx("err.purchase.chargePendingError", msg);
 
                     default:
-                        msg = "authorize: status='" + charge.getStatus() + "' (expected 'succeeded'), accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid;
+                        msg = "authorize: status='" + charge.getStatus() + "' (expected 'succeeded'), plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid;
                         log.error(msg);
                         throw invalidEx("err.purchase.chargeFailedError", msg);
                 }
             }
         } catch (CardException e) {
             // The card has been declined
-            final String msg = "authorize: CardException for accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid + ": requestId=" + e.getRequestId() + ", code="+e.getCode()+", declineCode="+e.getDeclineCode()+", error=" + e.toString();
+            final String msg = "authorize: CardException for plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid + ": requestId=" + e.getRequestId() + ", code="+e.getCode()+", declineCode="+e.getDeclineCode()+", error=" + e.toString();
             log.error(msg);
             throw invalidEx("err.purchase.cardError", msg);
 
         } catch (StripeException e) {
-            final String msg = "authorize: "+e.getClass().getSimpleName()+" for accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid + ": requestId=" + e.getRequestId() + ", code="+e.getCode()+", error=" + e.toString();
+            final String msg = "authorize: " + e.getClass().getSimpleName() + " for plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid + ": requestId=" + e.getRequestId() + ", code=" + e.getCode() + ", error=" + e.toString();
             log.error(msg);
             throw invalidEx("err.purchase.cardProcessingError", msg);
 
+        } catch (SimpleViolationException e) {
+            throw e;
+
         } catch (Exception e) {
-            final String msg = "authorize: "+e.getClass().getSimpleName()+" for accountPlan=" + accountPlanUuid + " with paymentMethod=" + paymentMethodUuid + ": error=" + e.toString();
+            final String msg = "authorize: "+e.getClass().getSimpleName()+" for plan=" + planUuid + " with paymentMethod=" + paymentMethodUuid + ": error=" + e.toString();
             log.error(msg);
             throw invalidEx("err.purchase.cardUnknownError", msg);
         }
@@ -206,7 +209,7 @@ public class StripePaymentDriver extends PaymentDriverBase<StripePaymentDriverCo
         final RedisService authCache = getAuthCache();
         final RedisService chargeCache = getChargeCache();
 
-        final String authCacheKey = getAuthCacheKey(accountPlanUuid, paymentMethodUuid);
+        final String authCacheKey = getAuthCacheKey(plan.getUuid(), paymentMethodUuid);
         try {
             final String charged = chargeCache.get(billUuid);
             if (charged != null) {
diff --git a/bubble-server/src/main/java/bubble/dao/bill/AccountPlanDAO.java b/bubble-server/src/main/java/bubble/dao/bill/AccountPlanDAO.java
index 172d0e8f..0cbe64a7 100644
--- a/bubble-server/src/main/java/bubble/dao/bill/AccountPlanDAO.java
+++ b/bubble-server/src/main/java/bubble/dao/bill/AccountPlanDAO.java
@@ -36,7 +36,7 @@ public class AccountPlanDAO extends AccountOwnedEntityDAO<AccountPlan> {
         final PaymentServiceDriver paymentDriver = paymentService.getPaymentDriver(configuration);
         if (paymentDriver.getPaymentMethodType().requiresAuth()) {
             final BubblePlan plan = planDAO.findByUuid(accountPlan.getPlan());
-            paymentDriver.authorize(plan, accountPlan, accountPlan.getPaymentMethod());
+            paymentDriver.authorize(plan, accountPlan.getPaymentMethod());
         }
 
         return super.preCreate(accountPlan);
diff --git a/bubble-server/src/main/java/bubble/notify/payment/NotificationHandler_payment_driver_authorize.java b/bubble-server/src/main/java/bubble/notify/payment/NotificationHandler_payment_driver_authorize.java
index 19eb96ca..636f8f53 100644
--- a/bubble-server/src/main/java/bubble/notify/payment/NotificationHandler_payment_driver_authorize.java
+++ b/bubble-server/src/main/java/bubble/notify/payment/NotificationHandler_payment_driver_authorize.java
@@ -4,7 +4,6 @@ import bubble.dao.bill.AccountPaymentMethodDAO;
 import bubble.dao.bill.AccountPlanDAO;
 import bubble.dao.bill.BubblePlanDAO;
 import bubble.model.bill.AccountPaymentMethod;
-import bubble.model.bill.AccountPlan;
 import bubble.model.bill.BubblePlan;
 import bubble.model.cloud.CloudService;
 import org.springframework.beans.factory.annotation.Autowired;
@@ -16,11 +15,9 @@ public class NotificationHandler_payment_driver_authorize extends NotificationHa
     @Autowired private AccountPlanDAO accountPlanDAO;
 
     @Override public boolean handlePaymentRequest(PaymentNotification paymentNotification, CloudService paymentService) {
-        // todo: this returns null because the AccountPlan has not yet been created....
-        final AccountPlan accountPlan = accountPlanDAO.findByUuid(paymentNotification.getAccountPlanUuid());
-        final BubblePlan plan = planDAO.findByUuid(accountPlan.getPlan());
+        final BubblePlan plan = planDAO.findByUuid(paymentNotification.getPlanUuid());
         final AccountPaymentMethod paymentMethod = paymentMethodDAO.findByUuid(paymentNotification.getPaymentMethodUuid());
-        return paymentService.getPaymentDriver(configuration).authorize(plan, accountPlan, paymentMethod);
+        return paymentService.getPaymentDriver(configuration).authorize(plan, paymentMethod);
     }
 
 }
diff --git a/bubble-server/src/main/java/bubble/notify/payment/PaymentNotification.java b/bubble-server/src/main/java/bubble/notify/payment/PaymentNotification.java
index e36f3001..039e2066 100644
--- a/bubble-server/src/main/java/bubble/notify/payment/PaymentNotification.java
+++ b/bubble-server/src/main/java/bubble/notify/payment/PaymentNotification.java
@@ -10,6 +10,7 @@ import lombok.experimental.Accessors;
 public class PaymentNotification extends SynchronousNotification {
 
     @Getter @Setter private String cloud;
+    @Getter @Setter private String planUuid;
     @Getter @Setter private String accountPlanUuid;
     @Getter @Setter private String paymentMethodUuid;
     @Getter @Setter private String billUuid;
diff --git a/bubble-server/src/test/resources/models/tests/payment/pay_credit.json b/bubble-server/src/test/resources/models/tests/payment/pay_credit.json
index 5776771e..55c28456 100644
--- a/bubble-server/src/test/resources/models/tests/payment/pay_credit.json
+++ b/bubble-server/src/test/resources/models/tests/payment/pay_credit.json
@@ -161,7 +161,7 @@
   },
 
   {
-    "before": "sleep 5s",
+    "before": "sleep 15s",
     "comment": "verify account plans, should be one",
     "request": { "uri": "me/plans" },
     "response": {