Paid plans cover private repos, org features, and the server and LLM bill. The source is available (Commons Clause), so self-hosting for your own use is always an option too.
Checkout is handled securely by Polar (Merchant of Record).

For individuals and public repos. Forever free.
For maintainers with private repos and higher limits.
For orgs that need visibility, alerting, and controls.
For companies that need SSO, audit export, and priority support.
In short: self-hosting is "I run everything myself"; paying is "we carry the cost and the ops, and block slop the whole network has already seen."
Questions? Open an issue on GitHub.