Have you considered usage-based payments? What's stopping you from implementing usage-based payments?
I believe a small fixed fee + usage-based billing is the best way to handle payments for OpenAI apps. This way your users are less likely to churn because of a large monthly subscription.
They'll pay for instance $5/month + usage.
You'd need some metering on OpenAI calls. I'd suggest
www.gpt3meter.com as a possible option.
Quiz Makito