> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincept.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing FAQ

> Frequently asked questions about billing, payments, and refunds

# Billing FAQ

Common questions about credits, subscriptions, payments, and refunds.

## Credits

<AccordionGroup>
  <Accordion title="Do free signup credits expire?">
    **No!** The 350 credits you get when registering never expire. Use them anytime.
  </Accordion>

  <Accordion title="Can I buy credits without subscription?">
    Yes! One-time credit packages (200-5,000 credits) never expire and can be purchased anytime.
  </Accordion>

  <Accordion title="What happens when I run out?">
    API requests fail with 402 error. Purchase more credits or subscribe to continue.
  </Accordion>

  <Accordion title="Do subscription credits roll over?">
    No, monthly subscription credits reset to plan amount each month. Unused credits don't carry forward.
  </Accordion>

  <Accordion title="Can I mix subscription + one-time credits?">
    Yes! Use subscription for regular monthly needs, one-time for overflow. One-time credits never expire.
  </Accordion>

  <Accordion title="Are failed API calls charged?">
    No, only successful requests (200 status) consume credits.
  </Accordion>
</AccordionGroup>

## Subscriptions

<AccordionGroup>
  <Accordion title="When does subscription start?">
    Immediately after payment. Credits added to account instantly.
  </Accordion>

  <Accordion title="How do I cancel?">
    Use `/cashfree/subscription` DELETE endpoint or contact support. Credits remain valid until period end.
  </Accordion>

  <Accordion title="Can I upgrade mid-cycle?">
    Yes! Upgrade takes effect immediately with prorated billing. Credits reset to new plan amount.
  </Accordion>

  <Accordion title="What happens after cancellation?">
    Current credits valid until end of billing period, then account downgrades to free tier with 350 credits.
  </Accordion>

  <Accordion title="Are there long-term discounts?">
    Annual plans (20% discount) available for Standard and Pro tiers. Contact [support@fincept.in](mailto:support@fincept.in)
  </Accordion>
</AccordionGroup>

## Payments

<AccordionGroup>
  <Accordion title="What payment methods are accepted?">
    Credit/debit cards, UPI, net banking, and digital wallets via Cashfree Payment Gateway.
  </Accordion>

  <Accordion title="Is payment secure?">
    Yes, all payments processed by PCI DSS compliant Cashfree. We never store card details.
  </Accordion>

  <Accordion title="Can I get invoice?">
    Yes, automatic invoices sent to your email after each successful payment.
  </Accordion>

  <Accordion title="What currency is used?">
    Primarily INR (Indian Rupees). USD/EUR available for international enterprise customers.
  </Accordion>

  <Accordion title="Are there taxes?">
    GST (18%) applied for Indian customers. International transactions may have different tax rates.
  </Accordion>

  <Accordion title="Payment failed - what now?">
    Check card details, ensure sufficient balance, or try different payment method. Credits not added until successful payment.
  </Accordion>
</AccordionGroup>

## Refunds

<AccordionGroup>
  <Accordion title="Can I get refund for unused credits?">
    No, credits are non-refundable once purchased.
  </Accordion>

  <Accordion title="What about subscription refunds?">
    No refunds for current billing period. Cancel to prevent future charges.
  </Accordion>

  <Accordion title="Refund for payment errors?">
    Yes, automatic refund within 7 business days if payment succeeded but credits weren't added.
  </Accordion>

  <Accordion title="Service downtime compensation?">
    Pro/Enterprise plans: Credits added for SLA violations. Free/Basic: No compensation.
  </Accordion>
</AccordionGroup>

## Enterprise Billing

<AccordionGroup>
  <Accordion title="Do enterprises use credits?">
    No, enterprise plans have unlimited access with custom monthly/annual pricing.
  </Accordion>

  <Accordion title="How is enterprise billing calculated?">
    Based on expected monthly request volume, tier usage, and support requirements.
  </Accordion>

  <Accordion title="Can we get annual contracts?">
    Yes, annual contracts available with 15-25% discount depending on commitment.
  </Accordion>

  <Accordion title="Are invoices customized?">
    Yes, PO-based invoicing, custom billing cycles, and multi-entity billing supported.
  </Accordion>
</AccordionGroup>

## Common Scenarios

### Scenario 1: Free User Runs Out

```
Signup: 350 credits
Used: 350 credits over 3 months
Balance: 0 credits
```

**Options:**

1. Buy Starter pack (200 credits, ₹199) - never expire
2. Subscribe to Basic (500 credits/month, ₹499)

### Scenario 2: Subscriber Cancels

```
Jan 15: Subscribe Basic (500 credits)
Feb 10: Cancel subscription
Feb 15: Credits still valid (paid through Feb 15)
Feb 16: Downgrade to free tier (+350 credits)
```

### Scenario 3: One-Time + Subscription

```
Starting: 350 free credits
Jan 1: Buy 500 one-time (₹449) → Balance: 850
Jan 15: Subscribe Basic (500/month) → Balance: 1,350
Feb 1: Used 400 subscription credits → Balance: 950
Feb 15: Subscription renews → Balance: 1,450 (500 new + 950 one-time)
```

## Payment Security

### PCI DSS Compliance

All payments through Cashfree (PCI DSS Level 1):

* Card details never touch our servers
* Encrypted payment forms
* 3D Secure authentication
* Fraud detection

### What We Store

| Data            | Stored?           |
| --------------- | ----------------- |
| Card numbers    | Never             |
| CVV             | Never             |
| Transaction IDs | Yes (for refunds) |
| Payment amount  | Yes               |
| Payment status  | Yes               |

## Need Help?

<CardGroup cols={2}>
  <Card title="Contact Support" icon="envelope" href="mailto:support@fincept.in">
    Billing questions and issues
  </Card>

  <Card title="View Transactions" icon="receipt" href="/credit-system#transaction-history">
    Check your payment history
  </Card>

  <Card title="Pricing Details" icon="tag" href="/pricing">
    Complete pricing information
  </Card>

  <Card title="Enterprise Sales" icon="building" href="mailto:support@fincept.in">
    Custom pricing and contracts
  </Card>
</CardGroup>