Any one can help me with the Shopify payment system which is batter subscription or app credit

Hi,

We have an public that is using the shopify payment system subscription based but same case merchant used the app but payment was not clear more then 6 month billing cycle after one or store is frozen how to handle this type of the case.

I reach out to shopify team they suggestion the app credit.

any one can help me which is better what are the use case it was good.