v2.28.0

Billing: paid plans now include a 14-day trial, with your card validated up front and no charge until it ends.
Billing: plan changes mid-cycle are now prorated against a fixed billing anchor.
SMS: trialing merchants are charged when their carrier registration is approved, not before.
Billing: a chargeback or full refund now returns the account to the free plan rather than leaving it in limbo.
Wallet Home: you can now choose the template guests see on your wallet home page.