the answer is no to both currently.
You cannot submit an app with monetization for any digital products/services.
Here’s a link to it in the docs.
It’s been mentioned multiple times that they want to allow usage/subscription monetization but not yet. Stripe already has a setup to allow (docs here) it but OpenAI will not accept it if you have that integrated.
My assumption is that they are trying to setup a way to get a percentage cut of any revenue driven by usage / subscriptions and they have not solved that yet.