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basically theres no real equivalent to credit card subscriptions because in bitcoin money can only be pushed by the owner (signed tx) not pulled by a bank.

NWC is an ok workaround where you can show automated request for money to clients wallet every month, but its specific to apps supporting it, theres no universal solution for it.

you could possibly hack together something on the user side with having lnurl withdrawal links generated and sent to the service every month so the service would then withdraw subscriptions from your wallet, but then you need to get the users to use that wallet.

thats how its 2026 - bitcoin by design is created for intention, not consumerism :) if you make it unconfiscatable that also means nobody can pull the money out of your wallet when you'd like to :)