diff --git a/capsulflask/cli.py b/capsulflask/cli.py
index 537d488..d2ce609 100644
--- a/capsulflask/cli.py
+++ b/capsulflask/cli.py
@@ -6,9 +6,12 @@ from datetime import datetime
 import click
 from flask.cli import with_appcontext
 from flask import Blueprint
+from flask import current_app
 from psycopg2 import ProgrammingError
+from flask_mail import Message
 
 from capsulflask.db import get_model, my_exec_info_message
+from capsulflask.console import get_account_balance
 
 bp = Blueprint('cli', __name__)
 
@@ -44,7 +47,7 @@ def sql_script(f, c):
           for row in model.cursor.fetchall():
             def format_value(x):
               if isinstance(x, bool):
-                return "TRUE" if x else "FALSE"
+                return "true" if x else "false"
               if not x :
                 return "null"
               if isinstance(x, datetime):
@@ -60,4 +63,115 @@ def sql_script(f, c):
 @bp.cli.command('cron-task')
 @with_appcontext
 def cron_task():
-  print('a')
\ No newline at end of file
+
+  # make sure btcpay payments get completed (in case we miss a webhook), otherwise invalidate the payment
+
+  unresolved_btcpay_invoices = get_model().get_unresolved_btcpay_invoices()
+  for invoice in unresolved_btcpay_invoices:
+    invoice_id = invoice.id
+    invoice = current_app.config['BTCPAY_CLIENT'].get_invoice(invoice_id)
+    days = float((datetime.now() - invoice.created).total_seconds())/float(60*60*24)
+
+    if invoice['status'] == "complete":
+      get_model().btcpay_invoice_resolved(invoice_id, True)
+    elif days >= 1:
+      get_model().btcpay_invoice_resolved(invoice_id, False)
+
+  # notify when funds run out
+
+  accounts = get_model().accounts_list()
+  for account in accounts:
+    vms = get_model().list_vms_for_account(account['email'])
+    payments = get_model().list_payments_for_account(account['email'])
+    balance_1w = get_account_balance(vms, payments, datetime.utcnow() + datetime.timedelta(days=7)) 
+    balance_1d = get_account_balance(vms, payments, datetime.utcnow() + datetime.timedelta(days=1)) 
+    balance_now = get_account_balance(vms, payments, datetime.utcnow())
+    current_warning = account['account_balance_warning']
+
+    delete_at_account_balance = -10
+
+    pluralize_capsul = "s" if len(vms) > 1 else ""
+
+    warnings = [
+      dict(
+        id='zero_1w',
+        active=balance_1w  < 0,
+        subject="Capsul One Week Payment Reminder",
+        body=("According to our calculations, your Capsul account will run out of funds in one week.\n\n"
+              f"Log in now to re-fill your account! {current_app.config["BASE_URL"]}/console/account-balance\n\n"
+              "If you believe you have recieved this message in error, please let us know: support@cyberia.club")
+      ),
+      dict(
+        id='zero_1d',
+        active=balance_1d  < 0,
+        subject="Capsul One Day Payment Reminder",
+        body=("According to our calculations, your Capsul account will run out of funds tomorrow.\n\n"
+              f"Log in now to re-fill your account! {current_app.config["BASE_URL"]}/console/account-balance\n\n"
+              "If you believe you have recieved this message in error, please let us know: support@cyberia.club")
+      ),
+      dict(
+        id='zero_now',
+        active=balance_now < 0,
+        subject="Your Capsul Account is No Longer Funded",
+        body=(f"You have run out of funds! You will no longer be able to create Capsul{pluralize_capsul}.\n\n"
+              f"As a courtesy, we'll let your existing Capsul{pluralize_capsul} keep running until your account "
+              "reaches a -$10 balance, at which point they will be deleted.\n\n"
+              f"Log in now to re-fill your account! {current_app.config["BASE_URL"]}/console/account-balance\n\n"
+              f"If you need help decomissioning your Capsul{pluralize_capsul}, "
+               "would like to request backups, or de-activate your account, please contact: support@cyberia.club")
+      ),
+      dict(
+        id='delete_1w',
+        active=balance_1w  < delete_at_account_balance,
+        subject=f"Your Capsul{pluralize_capsul} Will be Deleted In Less Than a Week",
+        body=("You have run out of funds and have not refilled your account.\n\n"
+              f"As a courtesy, we have let your existing Capsul{pluralize_capsul} keep running. "
+              f"However, your account will reach a -$10 balance some time next week and your Capsul{pluralize_capsul}""
+              "will be deleted.\n\n"
+              f"Log in now to re-fill your account! {current_app.config["BASE_URL"]}/console/account-balance\n\n"
+              f"If you need help decomissioning your Capsul{pluralize_capsul}, "
+               "would like to request backups, or de-activate your account, please contact: support@cyberia.club") 
+      ),
+      dict(
+        id='delete_1d',
+        active=balance_1d  < delete_at_account_balance,
+        subject=f"Last Chance to Save your Capsul{pluralize_capsul}: Gone Tomorrow",
+        body=("You have run out of funds and have not refilled your account.\n\n"
+              f"As a courtesy, we have let your existing Capsul{pluralize_capsul} keep running. "
+              f"However, your account will reach a -$10 balance tomorrow and your Capsul{pluralize_capsul} will be deleted.\n\n"
+              f"Last chance to deposit funds now and keep your Capsul{pluralize_capsul} running! {current_app.config["BASE_URL"]}/console/account-balance") 
+      ),
+      dict(
+        id='delete_now',
+        active=balance_now < delete_at_account_balance,
+        subject=f"Capsul{pluralize_capsul} Deleted",
+        body=(f"Your account reached a -$10 balance and your Capsul{pluralize_capsul} were deleted.") 
+      )
+    ]
+
+    current_warning_index = -1
+    if current_warning:
+      for i in range(0, len(warnings)):
+        if warnings[i]['id'] == current_warning:
+          current_warning_index = i
+
+    index_to_send = -1
+    for i in range(0, len(warnings)):
+      if i > current_warning_index and warnings[i].active:
+        index_to_send = i
+    
+    if index_to_send > -1:
+      current_app.config["FLASK_MAIL_INSTANCE"].send(
+          Message(
+            warnings[index_to_send]['subject'],
+            body=warnings[index_to_send]['body'],
+            recipients=[account['email']]
+          )
+      )
+      get_model().set_account_balance_warning(account['email'], warnings[index_to_send]['id'])
+      if index_to_send == len(warnings)-1:
+        print('TODO: delete capsuls')
+
+
+
+  # make sure vm system and DB are synced
diff --git a/capsulflask/console.py b/capsulflask/console.py
index 12f6005..92717f5 100644
--- a/capsulflask/console.py
+++ b/capsulflask/console.py
@@ -91,7 +91,7 @@ def create():
   vm_sizes = get_model().vm_sizes_dict()
   operating_systems = get_model().operating_systems_dict()
   ssh_public_keys = get_model().list_ssh_public_keys_for_account(session["account"])
-  account_balance = get_account_balance()
+  account_balance = get_account_balance(get_vms(), get_payments(), datetime.utcnow())
   capacity_avaliable = current_app.config["VIRTUALIZATION_MODEL"].capacity_avaliable(512*1024*1024)
   errors = list()
   created_os = None
@@ -246,15 +246,15 @@ def get_payments():
 
 average_number_of_days_in_a_month = 30.44
 
-def get_account_balance():
+def get_account_balance(vms, payments, as_of):
 
   vm_cost_dollars = 0.0
-  for vm in get_vms():
-    end_datetime = vm["deleted"] if vm["deleted"] else datetime.utcnow()
+  for vm in vms:
+    end_datetime = vm["deleted"] if vm["deleted"] else as_of
     vm_months = ( end_datetime - vm["created"] ).days / average_number_of_days_in_a_month
     vm_cost_dollars += vm_months * float(vm["dollars_per_month"])
 
-  payment_dollars_total = float( sum(map(lambda x: 0 if x["invalidated"] else x["dollars"], get_payments())) )
+  payment_dollars_total = float( sum(map(lambda x: 0 if x["invalidated"] else x["dollars"], payments)) )
 
   return payment_dollars_total - vm_cost_dollars
 
@@ -262,7 +262,7 @@ def get_account_balance():
 @account_required
 def account_balance():
   payments = get_payments()
-  account_balance = get_account_balance()
+  account_balance = get_account_balance(get_vms(), payments, datetime.utcnow())
 
   vms_billed = list()
 
diff --git a/capsulflask/db_model.py b/capsulflask/db_model.py
index b6ceafd..533c3be 100644
--- a/capsulflask/db_model.py
+++ b/capsulflask/db_model.py
@@ -24,9 +24,9 @@ class DBModel:
     
   def consume_token(self, token):
     self.cursor.execute("SELECT email FROM login_tokens WHERE token = %s and created > (NOW() - INTERVAL '20 min')", (token, ))
-    rows = self.cursor.fetchall()
-    if len(rows) > 0:
-      email = rows[0][0]
+    row = self.cursor.fetchone()
+    if row:
+      email = row[0]
       self.cursor.execute("DELETE FROM login_tokens WHERE email = %s", (email, ))
       self.connection.commit()
       return email
@@ -125,14 +125,13 @@ class DBModel:
       WHERE vms.email = %s AND vms.id = %s""", 
       (email, id)
     )
-    rows = self.cursor.fetchall()
-    if len(rows) == 0:
+    row = self.cursor.fetchone()
+    if not row:
       return None
 
-    x = rows[0]
     vm = dict(
-      id=x[0], ipv4=x[1], ipv6=x[2], os_description=x[3], created=x[4], deleted=x[5],
-      size=x[6], dollars_per_month=x[7], vcpus=x[8], memory_mb=x[9], bandwidth_gb_per_month=x[10]
+      id=row[0], ipv4=row[1], ipv6=row[2], os_description=row[3], created=row[4], deleted=row[5],
+      size=row[6], dollars_per_month=row[7], vcpus=row[8], memory_mb=row[9], bandwidth_gb_per_month=row[10]
     )
 
     self.cursor.execute(""" 
@@ -166,23 +165,62 @@ class DBModel:
 
   def consume_payment_session(self, payment_type, id, dollars):
     self.cursor.execute("SELECT email, dollars FROM payment_sessions WHERE id = %s AND type = %s", (id, payment_type))
-    rows = self.cursor.fetchall()
-    if len(rows) > 0:
-      if int(rows[0][1]) != int(dollars):
+    row = self.cursor.fetchone()
+    if row:
+      if int(row[1]) != int(dollars):
         print(f"""
           {payment_type} gave us a completed payment session with a different dollar amount than what we had recorded!!
           id: {id}
-          account: {rows[0][0]}
-          Recorded amount: {int(rows[0][1])}
+          account: {row[0]}
+          Recorded amount: {int(row[1])}
           {payment_type} sent: {int(dollars)}
         """)
         # not sure what to do here. For now just log and do nothing.
       self.cursor.execute( "DELETE FROM payment_sessions WHERE id = %s AND type = %s", (id, payment_type) )
-      self.cursor.execute( "INSERT INTO payments (email, dollars) VALUES (%s, %s)", (rows[0][0], rows[0][1]) )
+      self.cursor.execute( "INSERT INTO payments (email, dollars) VALUES (%s, %s) RETURNING id", (row[0], row[1]) )
+
+      if payment_type == "btcpay":
+        payment_id = self.cursor.fetchone()[0]
+        self.cursor.execute(
+          "INSERT INTO unresolved_btcpay_invoices (id, email, payment_id) VALUES (%s, %s, %s)",
+           (id, row[0], payment_id)
+        )
+
       self.connection.commit()
-      return rows[0][0]
+      return row[0]
     else:
       return None
 
+  def btcpay_invoice_resolved(self, id, completed):
+    self.cursor.execute("SELECT email, payment_id FROM unresolved_btcpay_invoices WHERE id = %s ", (id,))
+    row = self.cursor.fetchone()
+    if row:
+      self.cursor.execute( "DELETE FROM unresolved_btcpay_invoices WHERE id = %s", (id,) )
+      if not completed:
+        self.cursor.execute("UPDATE payments SET invalidated = True WHERE email = %s id = %s", (row[0], row[1]))
+      
+      self.connection.commit()
+        
+
+  def get_unresolved_btcpay_invoices(self):
+    self.cursor.execute("SELECT id, payments.created, email FROM unresolved_btcpay_invoices JOIN payments on payment_id = payment.id")
+    return list(map(lambda row: dict(id=row[0], created=row[1], email=row[2]), self.cursor.fetchall()))
+
+  def get_account_balance_warning(self, email):
+    self.cursor.execute("SELECT account_balance_warning FROM accounts WHERE email = %s", (email,))
+    return self.cursor.fetchone()[0]
+
+  def set_account_balance_warning(self, email, account_balance_warning):
+    self.cursor.execute("UPDATE accounts SET account_balance_warning = %s WHERE email = %s", (account_balance_warning, email))
+    self.connection.commit()
+
+  def all_accounts(self):
+    self.cursor.execute("SELECT email, account_balance_warning FROM accounts")
+    return list(map(lambda row: dict(row=row[0], account_balance_warning=row[1]), self.cursor.fetchall()))
+
+
+
+
+
 
 
diff --git a/capsulflask/payment.py b/capsulflask/payment.py
index b76332e..90313ce 100644
--- a/capsulflask/payment.py
+++ b/capsulflask/payment.py
@@ -55,12 +55,13 @@ def btcpay_payment():
         currency="USD",
         itemDesc="Capsul Cloud Compute",
         transactionSpeed="high",
-        redirectURL=f"{current_app.config['BASE_URL']}/account-balance"
+        redirectURL=f"{current_app.config['BASE_URL']}/account-balance",
+        notificationURL=f"{current_app.config['BASE_URL']}/payment/btcpay/webhook"
       ))
       # print(invoice)
       invoice_id = invoice["id"]
 
-      print(f"created btcpay invoice_id={invoice_id} ( {session['account']}, ${request.form['dollars']} )")
+      print(f"created btcpay invoice_id={invoice_id} ( {session['account']}, ${dollars} )")
 
       get_model().create_payment_session("btcpay", invoice_id, session["account"], dollars)
 
@@ -72,6 +73,35 @@ def btcpay_payment():
   return render_template("btcpay.html", invoice_id=invoice_id)
 
 
+@bp.route("/btcpay/webhook", methods=("POST",))
+def btcpay_webhook():
+  
+  # IMPORTANT! there is no signature or credential for the data sent into this webhook :facepalm:
+  # its just a notification, thats all.
+  request_data = json.loads(request.data)
+  invoice_id = request_data['id']
+
+  # so you better make sure to get the invoice directly from the horses mouth! 
+  invoice = current_app.config['BTCPAY_CLIENT'].get_invoice(invoice_id)
+
+  if invoice['currency'] != "USD":
+    abort(400, "invalid currency")
+  
+  dollars = invoice['price']
+
+  if invoice['status'] == "paid" or invoice['status'] == "confirmed":
+    success_account = get_model().consume_payment_session("btcpay", invoice_id, dollars)
+        
+    if success_account:
+      print(f"{success_account} paid ${dollars} successfully (btcpay_invoice_id={invoice_id})")
+
+  elif invoice['status'] == "complete":
+    get_model().btcpay_invoice_resolved(invoice_id, True)
+  elif invoice['status'] == "expired" or invoice['status'] == "invalid":
+    get_model().btcpay_invoice_resolved(invoice_id, False)
+
+
+
 @bp.route("/stripe", methods=("GET", "POST"))
 @account_required
 def stripe_payment():
@@ -142,7 +172,7 @@ def success():
 
         #consume_payment_session deletes the checkout session row and inserts a payment row
         # its ok to call consume_payment_session more than once because it only takes an action if the session exists
-        success_account = get_model().consume_payment_session(stripe_checkout_session_id, dollars)
+        success_account = get_model().consume_payment_session("stripe", stripe_checkout_session_id, dollars)
         
         if success_account:
           print(f"{success_account} paid ${dollars} successfully (stripe_checkout_session_id={stripe_checkout_session_id})")
@@ -168,7 +198,7 @@ def success():
 
 #       #consume_payment_session deletes the checkout session row and inserts a payment row
 #       # its ok to call consume_payment_session more than once because it only takes an action if the session exists
-#       success_account = get_model().consume_payment_session(stripe_checkout_session_id, dollars)
+#       success_account = get_model().consume_payment_session("stripe", stripe_checkout_session_id, dollars)
 #       if success_account:
 #         print(f"{success_account} paid ${dollars} successfully (stripe_checkout_session_id={stripe_checkout_session_id})")
     
diff --git a/capsulflask/schema_migrations/02_up_accounts_vms_etc.sql b/capsulflask/schema_migrations/02_up_accounts_vms_etc.sql
index 1b28535..a434fb7 100644
--- a/capsulflask/schema_migrations/02_up_accounts_vms_etc.sql
+++ b/capsulflask/schema_migrations/02_up_accounts_vms_etc.sql
@@ -2,6 +2,7 @@
 
 CREATE TABLE accounts (
   email TEXT PRIMARY KEY NOT NULL,
+  account_balance_warning TEXT NULL,
   created  TIMESTAMP NOT NULL DEFAULT NOW()
 );
 
@@ -72,13 +73,14 @@ CREATE TABLE payment_sessions (
   dollars    NUMERIC(8, 2) NOT NULL
 );
 
-CREATE TABLE unconfirmed_btcpay_invoices (
+CREATE TABLE unresolved_btcpay_invoices (
   id         TEXT PRIMARY KEY,
   email      TEXT REFERENCES accounts(email) ON DELETE RESTRICT,
   payment_id INTEGER NOT NULL,
   FOREIGN KEY (email, payment_id) REFERENCES payments(email, id) ON DELETE CASCADE
 );
 
+
 INSERT INTO os_images (id, template_image_file_name, description)
 VALUES  ('alpine311', 'alpine-cloud-2020-04-18.qcow2', 'Alpine Linux 3.11'),
         ('ubuntu18', 'ubuntu-18.04-minimal-cloudimg-amd64.img', 'Ubuntu 18.04 LTS (Bionic)'),