diff --git a/litecord/blueprints/user/__init__.py b/litecord/blueprints/user/__init__.py
new file mode 100644
index 0000000..07c6cac
--- /dev/null
+++ b/litecord/blueprints/user/__init__.py
@@ -0,0 +1,2 @@
+from .billing import bp as user_billing
+from .settings import bp as user_settings
diff --git a/litecord/blueprints/user/billing.py b/litecord/blueprints/user/billing.py
new file mode 100644
index 0000000..bb6f7b1
--- /dev/null
+++ b/litecord/blueprints/user/billing.py
@@ -0,0 +1,264 @@
+import pprint
+import json
+from enum import Enum
+
+from quart import Blueprint, jsonify, request, current_app as app
+
+from litecord.auth import token_check
+from litecord.schemas import validate
+from litecord.blueprints.checks import guild_check
+from litecord.storage import timestamp_
+from litecord.snowflake import snowflake_datetime, get_snowflake
+
+bp = Blueprint('users_billing', __name__)
+
+
+
+
+class PaymentSource(Enum):
+    CREDIT = 1
+    PAYPAL = 2
+
+
+class SubscriptionStatus:
+    ACTIVE = 1
+    CANCELLED = 3
+
+
+class SubscriptionType:
+    # unknown
+    PURCHASE = 1
+    UPGRADE = 2
+
+
+class SubscriptionPlan:
+    CLASSIC = 1
+    NITRO = 2
+
+
+class PaymentGateway:
+    STRIPE = 1
+    BRAINTREE = 2
+
+
+class PaymentStatus:
+    SUCCESS = 1
+    FAILED = 2
+
+
+CREATE_SUBSCRIPTION = {
+    'payment_gateway_plan_id': {'type': 'string'},
+    'payment_source_id': {'coerce': int}
+}
+
+
+PAYMENT_SOURCE = {
+    'billing_address': {
+        'type': 'dict',
+        'schema': {
+            'country': {'type': 'string', 'required': True},
+            'city': {'type': 'string', 'required': True},
+            'name': {'type': 'string', 'required': True},
+            'line_1': {'type': 'string', 'required': False},
+            'line_2': {'type': 'string', 'required': False},
+            'postal_code': {'type': 'string', 'required': True},
+            'state': {'type': 'string', 'required': True},
+        }
+    },
+    'payment_gateway': {'type': 'number', 'required': True},
+    'token': {'type': 'string', 'required': True},
+}
+
+
+async def get_payment_source_ids(user_id: int) -> list:
+    rows = await app.db.fetch("""
+    SELECT id
+    FROM user_payment_sources
+    WHERE user_id = $1
+    """, user_id)
+
+    return [r['id'] for r in rows]
+
+
+async def get_payment_ids(user_id: int) -> list:
+    rows = await app.db.fetch("""
+    SELECT id
+    FROM user_payments
+    WHERE user_id = $1
+    """, user_id)
+
+    return [r['id'] for r in rows]
+
+
+async def get_subscription_ids(user_id: int) -> list:
+    rows = await app.db.fetch("""
+    SELECT id
+    FROM user_subscriptions
+    WHERE user_id = $1
+    """, user_id)
+
+    return [r['id'] for r in rows]
+
+
+async def get_payment_source(user_id: int, source_id: int) -> dict:
+    """Get a payment source's information."""
+    source = {}
+
+    source_type = await app.db.fetchval("""
+    SELECT source_type
+    FROM user_payment_sources
+    WHERE id = $1 AND user_id = $2
+    """, source_id, user_id)
+
+    source_type = PaymentSource(source_type)
+
+    specific_fields = {
+        PaymentSource.PAYPAL: ['paypal_email'],
+        PaymentSource.CREDIT: ['expires_month', 'expires_year',
+                               'brand', 'cc_full']
+    }[source_type]
+
+    fields = ','.join(specific_fields)
+
+    extras_row = await app.db.fetchrow(f"""
+    SELECT {fields}, billing_address, default_, id::text
+    FROM user_payment_sources
+    WHERE id = $1
+    """, source_id)
+
+    derow = dict(extras_row)
+
+    if source_type == PaymentSource.CREDIT:
+        derow['last_4'] = derow['cc_full'][-4:]
+        derow.pop('cc_full')
+
+    derow['default'] = derow['default_']
+    derow.pop('default_')
+
+    source = {
+        'id': str(source_id),
+        'type': source_type.value,
+    }
+
+    return {**source, **derow}
+
+
+async def get_subscription(subscription_id: int):
+    row = await app.db.execute("""
+    SELECT id::text, source_id::text AS payment_source_id,
+           payment_gateway, payment_gateway_plan_id,
+           period_start AS current_period_start,
+           period_end AS current_period_end,
+           canceled_at, s_type, status
+    FROM user_subscriptions
+    WHERE id = $1
+    """, subscription_id)
+
+    drow = dict(row)
+
+    drow['type'] = drow['s_type']
+    drow.pop('s_type')
+
+    to_tstamp = ['current_period_start', 'current_period_end', 'canceled_at']
+
+    for field in to_tstamp:
+        drow[field] = timestamp_(drow[field])
+
+    return drow
+
+
+async def get_payment(payment_id: int):
+    row = await app.db.execute("""
+    SELECT id::text, source_id, subscription_id,
+           amount, amount_refunded, currency,
+           description, status, tax, tax_inclusive
+    FROM user_payments
+    WHERE id = $1
+    """, payment_id)
+
+    drow = dict(row)
+    drow['created_at'] = snowflake_datetime(int(drow['id']))
+    return drow
+
+
+@bp.route('/@me/billing/payment-sources', methods=['GET'])
+async def _get_billing_sources():
+    user_id = await token_check()
+    source_ids = await get_payment_source_ids(user_id)
+
+    res = []
+
+    for source_id in source_ids:
+        source = await get_payment_source(user_id, source_id)
+        res.append(source)
+
+    return jsonify(res)
+
+
+@bp.route('/@me/billing/subscriptions', methods=['GET'])
+async def _get_billing_subscriptions():
+    user_id = await token_check()
+    sub_ids = await get_subscription_ids(user_id)
+    res = []
+
+    for sub_id in sub_ids:
+        res.append(await get_subscription(sub_id))
+
+    return jsonify(res)
+
+
+@bp.route('/@me/billing/payments', methods=['GET'])
+async def _get_billing_payments():
+    user_id = await token_check()
+    payment_ids = await get_payment_ids(user_id)
+    res = []
+
+    for payment_id in payment_ids:
+        res.append(await get_payment(payment_id))
+
+    return jsonify(res)
+
+
+@bp.route('/@me/billing/payment-sources', methods=['POST'])
+async def _create_payment_source():
+    user_id = await token_check()
+    j = validate(await request.get_json(), PAYMENT_SOURCE)
+
+    new_source_id = get_snowflake()
+
+    await app.db.execute(
+        """
+        INSERT INTO user_payment_sources (id, user_id, source_type,
+            default_, expires_month, expires_year, brand, cc_full,
+            billing_address)
+        VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9)
+        """, new_source_id, user_id, PaymentSource.CREDIT.value,
+        True, 12, 6969, 'Visa', '4242424242424242',
+        json.dumps(j['billing_address']))
+
+    return jsonify(
+        await get_payment_source(user_id, new_source_id)
+    )
+
+
+@bp.route('/@me/billing/subscriptions', methods=['POST'])
+async def _create_subscription():
+    user_id = await token_check()
+    j = validate(await request.get_json(), CREATE_SUBSCRIPTION)
+
+
+@bp.route('/@me/billing/subscriptions/<int:subscription_id>',
+          methods=['DELETE'])
+async def _delete_subscription(subscription_id):
+    user_id = await token_check()
+    return '', 204
+
+
+@bp.route('/@me/billing/subscriptions/<int:subscription_id>',
+          methods=['PATCH'])
+async def _patch_subscription(subscription_id):
+    """change a subscription's payment source"""
+    user_id = await token_check()
+    j = validate(await request.get_json(), PATCH_SUBSCRIPTION)
+    # returns subscription object
+
diff --git a/litecord/blueprints/user/settings.py b/litecord/blueprints/user/settings.py
new file mode 100644
index 0000000..ae003a4
--- /dev/null
+++ b/litecord/blueprints/user/settings.py
@@ -0,0 +1,127 @@
+from quart import Blueprint, jsonify, request, current_app as app
+
+from litecord.auth import token_check
+from litecord.schemas import validate, USER_SETTINGS, GUILD_SETTINGS
+from litecord.blueprints.checks import guild_check
+
+bp = Blueprint('users_settings', __name__)
+
+
+@bp.route('/@me/settings', methods=['GET'])
+async def get_user_settings():
+    """Get the current user's settings."""
+    user_id = await token_check()
+    settings = await app.storage.get_user_settings(user_id)
+    return jsonify(settings)
+
+
+@bp.route('/@me/settings', methods=['PATCH'])
+async def patch_current_settings():
+    """Patch the users' current settings.
+
+    More information on what settings exist
+    is at Storage.get_user_settings and the schema.sql file.
+    """
+    user_id = await token_check()
+    j = validate(await request.get_json(), USER_SETTINGS)
+
+    for key in j:
+        await app.db.execute(f"""
+        UPDATE user_settings
+        SET {key}=$1
+        WHERE id = $2
+        """, j[key], user_id)
+
+    settings = await app.storage.get_user_settings(user_id)
+    await app.dispatcher.dispatch_user(
+        user_id, 'USER_SETTINGS_UPDATE', settings)
+    return jsonify(settings)
+
+
+@bp.route('/@me/guilds/<int:guild_id>/settings', methods=['PATCH'])
+async def patch_guild_settings(guild_id: int):
+    """Update the users' guild settings for a given guild.
+
+    Guild settings are usually related to notifications.
+    """
+    user_id = await token_check()
+    await guild_check(user_id, guild_id)
+
+    j = validate(await request.get_json(), GUILD_SETTINGS)
+
+    # querying the guild settings information before modifying
+    # will make sure they exist in the table.
+    await app.storage.get_guild_settings_one(user_id, guild_id)
+
+    for field in (k for k in j.keys() if k != 'channel_overrides'):
+        await app.db.execute(f"""
+        UPDATE guild_settings
+        SET {field} = $1
+        WHERE user_id = $2 AND guild_id = $3
+        """, j[field], user_id, guild_id)
+
+    chan_ids = await app.storage.get_channel_ids(guild_id)
+
+    for chandata in j.get('channel_overrides', {}).items():
+        chan_id, chan_overrides = chandata
+        chan_id = int(chan_id)
+
+        # ignore channels that aren't in the guild.
+        if chan_id not in chan_ids:
+            continue
+
+        for field in chan_overrides:
+            await app.db.execute(f"""
+            INSERT INTO guild_settings_channel_overrides
+                (user_id, guild_id, channel_id, {field})
+            VALUES
+                ($1, $2, $3, $4)
+            ON CONFLICT
+                ON CONSTRAINT guild_settings_channel_overrides_pkey
+            DO
+              UPDATE
+                SET {field} = $4
+                WHERE guild_settings_channel_overrides.user_id = $1
+                  AND guild_settings_channel_overrides.guild_id = $2
+                  AND guild_settings_channel_overrides.channel_id = $3
+            """, user_id, guild_id, chan_id, chan_overrides[field])
+
+    settings = await app.storage.get_guild_settings_one(user_id, guild_id)
+
+    await app.dispatcher.dispatch_user(
+        user_id, 'USER_GUILD_SETTINGS_UPDATE', settings)
+
+    return jsonify(settings)
+
+
+@bp.route('/@me/notes/<int:target_id>', methods=['PUT'])
+async def put_note(target_id: int):
+    """Put a note to a user.
+
+    This route is in this blueprint because I consider
+    notes to be personalized settings, so.
+    """
+    user_id = await token_check()
+
+    j = await request.get_json()
+    note = str(j['note'])
+
+    # UPSERTs are beautiful
+    await app.db.execute("""
+    INSERT INTO notes (user_id, target_id, note)
+    VALUES ($1, $2, $3)
+
+    ON CONFLICT ON CONSTRAINT notes_pkey
+    DO UPDATE SET
+        note = $3
+    WHERE notes.user_id = $1
+      AND notes.target_id = $2
+    """, user_id, target_id, note)
+
+    await app.dispatcher.dispatch_user(user_id, 'USER_NOTE_UPDATE', {
+        'id': str(target_id),
+        'note': note,
+    })
+
+    return '', 204
+
diff --git a/litecord/blueprints/users.py b/litecord/blueprints/users.py
index f5d16e5..3070ac5 100644
--- a/litecord/blueprints/users.py
+++ b/litecord/blueprints/users.py
@@ -242,6 +242,7 @@ async def get_me_guilds():
 
 @bp.route('/@me/guilds/<int:guild_id>', methods=['DELETE'])
 async def leave_guild(guild_id: int):
+    """Leave a guild."""
     user_id = await token_check()
     await guild_check(user_id, guild_id)
 
@@ -275,65 +276,6 @@ async def get_connections():
     pass
 
 
-@bp.route('/@me/notes/<int:target_id>', methods=['PUT'])
-async def put_note(target_id: int):
-    """Put a note to a user."""
-    user_id = await token_check()
-
-    j = await request.get_json()
-    note = str(j['note'])
-
-    # UPSERTs are beautiful
-    await app.db.execute("""
-    INSERT INTO notes (user_id, target_id, note)
-    VALUES ($1, $2, $3)
-
-    ON CONFLICT ON CONSTRAINT notes_pkey
-    DO UPDATE SET
-        note = $3
-    WHERE notes.user_id = $1
-      AND notes.target_id = $2
-    """, user_id, target_id, note)
-
-    await app.dispatcher.dispatch_user(user_id, 'USER_NOTE_UPDATE', {
-        'id': str(target_id),
-        'note': note,
-    })
-
-    return '', 204
-
-
-@bp.route('/@me/settings', methods=['GET'])
-async def get_user_settings():
-    """Get the current user's settings."""
-    user_id = await token_check()
-    settings = await app.storage.get_user_settings(user_id)
-    return jsonify(settings)
-
-
-@bp.route('/@me/settings', methods=['PATCH'])
-async def patch_current_settings():
-    """Patch the users' current settings.
-
-    More information on what settings exist
-    is at Storage.get_user_settings and the schema.sql file.
-    """
-    user_id = await token_check()
-    j = validate(await request.get_json(), USER_SETTINGS)
-
-    for key in j:
-        await app.db.execute(f"""
-        UPDATE user_settings
-        SET {key}=$1
-        WHERE id = $2
-        """, j[key], user_id)
-
-    settings = await app.storage.get_user_settings(user_id)
-    await app.dispatcher.dispatch_user(
-        user_id, 'USER_SETTINGS_UPDATE', settings)
-    return jsonify(settings)
-
-
 @bp.route('/@me/consent', methods=['GET', 'POST'])
 async def get_consent():
     """Always disable data collection.
@@ -420,59 +362,3 @@ async def get_profile(peer_id: int):
         'premium_since': peer_premium,
         'mutual_guilds': mutual_res,
     })
-
-
-@bp.route('/@me/guilds/<int:guild_id>/settings', methods=['PATCH'])
-async def patch_guild_settings(guild_id: int):
-    """Update the users' guild settings for a given guild.
-
-    Guild settings are usually related to notifications.
-    """
-    user_id = await token_check()
-    await guild_check(user_id, guild_id)
-
-    j = validate(await request.get_json(), GUILD_SETTINGS)
-
-    # querying the guild settings information before modifying
-    # will make sure they exist in the table.
-    await app.storage.get_guild_settings_one(user_id, guild_id)
-
-    for field in (k for k in j.keys() if k != 'channel_overrides'):
-        await app.db.execute(f"""
-        UPDATE guild_settings
-        SET {field} = $1
-        WHERE user_id = $2 AND guild_id = $3
-        """, j[field], user_id, guild_id)
-
-    chan_ids = await app.storage.get_channel_ids(guild_id)
-
-    for chandata in j.get('channel_overrides', {}).items():
-        chan_id, chan_overrides = chandata
-        chan_id = int(chan_id)
-
-        # ignore channels that aren't in the guild.
-        if chan_id not in chan_ids:
-            continue
-
-        for field in chan_overrides:
-            await app.db.execute(f"""
-            INSERT INTO guild_settings_channel_overrides
-                (user_id, guild_id, channel_id, {field})
-            VALUES
-                ($1, $2, $3, $4)
-            ON CONFLICT
-                ON CONSTRAINT guild_settings_channel_overrides_pkey
-            DO
-              UPDATE
-                SET {field} = $4
-                WHERE guild_settings_channel_overrides.user_id = $1
-                  AND guild_settings_channel_overrides.guild_id = $2
-                  AND guild_settings_channel_overrides.channel_id = $3
-            """, user_id, guild_id, chan_id, chan_overrides[field])
-
-    settings = await app.storage.get_guild_settings_one(user_id, guild_id)
-
-    await app.dispatcher.dispatch_user(
-        user_id, 'USER_GUILD_SETTINGS_UPDATE', settings)
-
-    return jsonify(settings)
diff --git a/litecord/schemas.py b/litecord/schemas.py
index a234c41..a5c4460 100644
--- a/litecord/schemas.py
+++ b/litecord/schemas.py
@@ -69,7 +69,8 @@ class LitecordValidator(Validator):
 
     def _validate_type_voice_region(self, value: str) -> bool:
         # TODO: complete this list
-        return value.lower() in ('brazil', 'us-east', 'us-west', 'us-south', 'russia')
+        return value.lower() in ('brazil', 'us-east', 'us-west',
+                                 'us-south', 'russia')
 
     def _validate_type_verification_level(self, value: int) -> bool:
         return _in_enum(VerificationLevel, value)
diff --git a/run.py b/run.py
index 56d2be0..8e0d632 100644
--- a/run.py
+++ b/run.py
@@ -28,6 +28,10 @@ from litecord.blueprints.channel import (
     channel_messages, channel_reactions, channel_pins
 )
 
+from litecord.blueprints.user import (
+    user_settings, user_billing
+)
+
 from litecord.ratelimits.handler import ratelimit_handler
 from litecord.ratelimits.main import RatelimitManager
 
@@ -68,7 +72,10 @@ def set_blueprints(app_):
     bps = {
         gateway: None,
         auth: '/auth',
+
         users: '/users',
+        user_settings: '/users',
+        user_billing: '/users',
         relationships: '/users',
 
         guilds: '/guilds',
diff --git a/schema.sql b/schema.sql
index dd1b56c..4f25172 100644
--- a/schema.sql
+++ b/schema.sql
@@ -156,6 +156,83 @@ CREATE TABLE IF NOT EXISTS user_settings (
 );
 
 
+-- main user billing tables
+CREATE TABLE IF NOT EXISTS user_payment_sources (
+    id bigint PRIMARY KEY,
+    user_id bigint REFERENCES users (id) NOT NULL,
+
+    -- type=1: credit card fields
+    -- type=2: paypal fields
+    source_type int,
+
+    -- idk lol
+    invalid bool DEFAULT false,
+    default_ bool DEFAULT false,
+
+    -- credit card info (type 1 only)
+    expires_month int DEFAULT 12,
+    expires_year int DEFAULT 3000,
+    brand text,
+    cc_full text NOT NULL,
+
+    -- paypal info (type 2 only)
+    paypal_email text DEFAULT 'a@a.com',
+
+    -- applies to both
+    billing_address jsonb DEFAULT '{}'
+);
+
+-- actual subscription statuses
+CREATE TABLE IF NOT EXISTS user_subscriptions (
+    id bigint PRIMARY KEY,
+    source_id bigint REFERENCES user_payment_sources (id) NOT NULL,
+    user_id bigint REFERENCES users (id) NOT NULL,
+
+    -- s_type = 1: purchase
+    -- s_type = 2: upgrade
+    s_type int DEFAULT 1,
+
+    -- gateway = 1: stripe
+    -- gateway = 2: braintree
+    payment_gateway int DEFAULT 0,
+    payment_gateway_plan_id text,
+
+    -- status = 1: active
+    -- status = 3: cancelled
+    status int DEFAULT 1,
+
+    canceled_at timestamp without time zone default NULL,
+
+    -- set by us
+    period_start timestamp without time zone default (now() at time zone 'utc'),
+    period_end timestamp without time zone default NULL
+);
+
+-- payment logs
+CREATE TABLE IF NOT EXISTS user_payments (
+    id bigint PRIMARY KEY,
+    source_id bigint REFERENCES user_payment_sources (id),
+    subscription_id bigint REFERENCES user_subscriptions (id),
+    user_id bigint REFERENCES users (id),
+
+    currency text DEFAULT 'usd',
+
+    -- status = 1: success
+    -- status = 2: failed
+    status int DEFAULT 1,
+
+    -- 499 = 4 dollars 99 cents
+    amount bigint,
+
+    tax int DEFAULT 0,
+    tax_inclusive BOOL default true,
+
+    description text,
+
+    amount_refunded int DEFAULT 0
+);
+
+
 -- main user relationships
 CREATE TABLE IF NOT EXISTS relationships (
     -- the id of who made the relationship