Yes, it does seem to require everyone to enter a card # unless I invite them directly. But by doing that there is not option to set a time limit.
@Stephen – No, they are not buying a discourse description. It’s really simple – they hire me for a consultation package at several hundred of dollars – I’d like to drop them in the discourse content without having to buy another subscription. But I’d like there to be a time limit for free and then they have to pay to stay.
Part 2 – it is still unclear to me if when I offer a coupon code for the monthly subscription can they continue to use that coupon over and over and bypass payment. Or is the coupon code limited to their first use.