diff --git a/apps/pay/src/routes.ts b/apps/pay/src/routes.ts
index 60be715..5c8db62 100644
--- a/apps/pay/src/routes.ts
+++ b/apps/pay/src/routes.ts
@@ -60,10 +60,12 @@ export const routes = new Elysia()
 
     const { plan, months, coin } = body;
 
-    // Validate plan
+    // Validate plan — block duplicate lifetime
     if (plan === "lifetime") {
-      const [acc] = await sql`SELECT plan FROM accounts WHERE id = ${accountId}`;
-      if (acc.plan === "lifetime") { set.status = 400; return { error: "Already on lifetime plan" }; }
+      const [acc] = await sql`SELECT plan, plan_stack FROM accounts WHERE id = ${accountId}`;
+      const stack = typeof acc.plan_stack === "string" ? JSON.parse(acc.plan_stack) : (acc.plan_stack || []);
+      const hasLifetime = acc.plan === "lifetime" || stack.some((s: any) => s.plan === "lifetime");
+      if (hasLifetime) { set.status = 400; return { error: "You already have a lifetime plan" }; }
     }
 
     // Validate coin
diff --git a/apps/web/src/routes/dashboard.ts b/apps/web/src/routes/dashboard.ts
index b3ccb1a..8ffc0ce 100644
--- a/apps/web/src/routes/dashboard.ts
+++ b/apps/web/src/routes/dashboard.ts
@@ -270,8 +270,10 @@ export const dashboard = new Elysia()
   .get("/dashboard/checkout", async ({ cookie, headers }) => {
     const resolved = await getAccountId(cookie, headers);
     if (!resolved?.accountId) return redirect("/dashboard");
-    const [acc] = await sql`SELECT plan, plan_expires_at FROM accounts WHERE id = ${resolved.accountId}`;
-    if (acc.plan === "lifetime") return redirect("/dashboard/settings");
+    const [acc] = await sql`SELECT plan, plan_expires_at, plan_stack FROM accounts WHERE id = ${resolved.accountId}`;
+    const stack = typeof acc.plan_stack === "string" ? JSON.parse(acc.plan_stack) : (acc.plan_stack || []);
+    const hasLifetime = acc.plan === "lifetime" || stack.some((s: any) => s.plan === "lifetime");
+    if (acc.plan === "lifetime" && stack.length === 0) return redirect("/dashboard/settings");
 
     // Total spent on paid invoices (for lifetime discount)
     const [{ total_spent }] = await sql`SELECT COALESCE(SUM(amount_usd), 0)::numeric as total_spent FROM payments WHERE account_id = ${resolved.accountId} AND status = 'paid'`;
@@ -285,7 +287,7 @@ export const dashboard = new Elysia()
       coins = data.coins || [];
     } catch {}
 
-    return html("checkout", { nav: "settings", account: acc, payApi, invoiceId: null, coins, invoice: null, totalSpent: Number(total_spent) });
+    return html("checkout", { nav: "settings", account: acc, payApi, invoiceId: null, coins, invoice: null, totalSpent: Number(total_spent), hasLifetime });
   })
 
   // Existing invoice by ID — SSR the payment status
diff --git a/apps/web/src/views/checkout.ejs b/apps/web/src/views/checkout.ejs
index eacf1df..73c3887 100644
--- a/apps/web/src/views/checkout.ejs
+++ b/apps/web/src/views/checkout.ejs
@@ -7,8 +7,9 @@
   const invoice = it.invoice;
   const payApi = it.payApi || '';
   const totalSpent = it.totalSpent || 0;
+  const hasLifetime = it.hasLifetime || false;
   const lifetimeBase = 140;
-  const lifetimeDiscount = Math.min(totalSpent, lifetimeBase * 0.75);
+  const lifetimeDiscount = hasLifetime ? 0 : Math.min(totalSpent, lifetimeBase * 0.75);
   const lifetimePrice = lifetimeBase - lifetimeDiscount;
 %>
 
@@ -46,6 +47,14 @@
         <div class="text-2xl font-bold text-gray-100">From $12<span class="text-sm font-normal text-gray-500">/mo</span></div>
         <div class="text-xs text-gray-500 mt-2">200–800 monitors, 5s intervals</div>
       </label>
+      <% if (hasLifetime) { %>
+      <div class="text-left bg-surface border-2 border-border-subtle rounded-xl p-5 opacity-50 cursor-not-allowed relative">
+        <span class="absolute top-3 right-3 text-[10px] font-semibold px-2 py-0.5 rounded-full bg-gray-500/15 text-gray-500 border border-gray-500/20">Owned</span>
+        <div class="text-xs text-gray-500 uppercase tracking-wider font-mono mb-1">Lifetime</div>
+        <div class="text-2xl font-bold text-gray-400">$<%= lifetimeBase %></div>
+        <div class="text-xs text-gray-600 mt-2">You already have Lifetime</div>
+      </div>
+      <% } else { %>
       <label for="plan-lifetime"
         class="cursor-pointer text-left bg-surface border-2 border-border-subtle hover:border-yellow-500/40 rounded-xl p-5 transition-colors relative">
         <span class="absolute top-3 right-3 text-[10px] font-semibold px-2 py-0.5 rounded-full bg-yellow-500/15 text-yellow-500 border border-yellow-500/20">Launch Deal</span>
@@ -58,6 +67,7 @@
         <% } %>
         <div class="text-xs text-gray-500 mt-2">One-time, 200 monitors forever</div>
       </label>
+      <% } %>
     </div>
 
     <!-- Pro tier + months (visible only when pro selected, via CSS) -->