> ## 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.

# Subscription Plans

> Monthly subscription tiers, features, and one-time credit packages

# Subscription Plans

Choose between flexible monthly subscriptions or pay-as-you-go one-time credit purchases.

## Monthly Subscriptions

<CardGroup cols={3}>
  <Card title="Basic" icon="cube">
    **₹499/month**

    Perfect for individuals and small projects

    * 500 credits/month
    * All tier access
    * 1,000 req/hour
    * Email support
    * Usage analytics
  </Card>

  <Card title="Standard" icon="star">
    **₹1,999/month**

    For growing businesses and active traders

    * 2,500 credits/month
    * All tier access
    * 2,000 req/hour
    * Priority support
    * Advanced analytics
    * Early features
  </Card>

  <Card title="Pro" icon="crown">
    **₹4,999/month**

    For professional traders and firms

    * 7,500 credits/month
    * All tier access
    * 5,000 req/hour
    * Dedicated support
    * Custom integrations
    * 99.9% SLA
  </Card>
</CardGroup>

## Plan Comparison

| Feature                  | Free           | Basic    | Standard | Pro       | Enterprise |
| ------------------------ | -------------- | -------- | -------- | --------- | ---------- |
| **Monthly Credits**      | 0 (350 signup) | 500      | 2,500    | 7,500     | Custom     |
| **Credits Expire**       | Never          | Monthly  | Monthly  | Monthly   | N/A        |
| **Rate Limit**           | 500/hr         | 1,000/hr | 2,000/hr | 5,000/hr  | Custom     |
| **Free Tier Access**     |                |          |          |           |            |
| **Basic Tier Access**    | Pay per use    |          |          |           |            |
| **Standard Tier Access** | Pay per use    |          |          |           |            |
| **Pro Tier Access**      | Pay per use    |          |          |           |            |
| **Support**              | Community      | Email    | Priority | Dedicated | Custom SLA |
| **Analytics**            | Basic          |          | Advanced | Advanced  | Enterprise |
| **Uptime SLA**           | 99%            | 99.5%    | 99.9%    | 99.9%     | 99.99%     |

## One-Time Credit Packages

Buy credits once, use anytime - **never expire**:

| Package      | Credits | Price  | Per Credit | Best For                  |
| ------------ | ------- | ------ | ---------- | ------------------------- |
| **Starter**  | 200     | ₹199   | ₹0.995     | Testing & experimentation |
| **Standard** | 500     | ₹449   | ₹0.898     | Occasional API users      |
| **Pro**      | 1,000   | ₹799   | ₹0.799     | Regular users             |
| **Bulk**     | 5,000   | ₹3,499 | ₹0.700     | Heavy users               |

<Tip>
  One-time credits **stack** with subscription credits and never expire!
</Tip>

## Enterprise Plans

Custom solutions for financial institutions:

### Features

* 💰 **Custom Pricing** - Volume discounts available
* 🚀 **Dedicated Infrastructure** - Isolated environments
* 🔐 **SSO Integration** - SAML, OAuth, AD
* 📊 **Advanced Analytics** - Custom dashboards
* 🛡️ **Enhanced SLA** - 99.99% uptime guarantee
* 👨‍💻 **Dedicated Support** - Slack/Teams integration
* 🌍 **On-Premise Option** - Deploy in your infrastructure
* 🔧 **Custom Integrations** - Direct database access
* 📝 **Contract Terms** - Annual agreements, invoicing

### Pricing Model

Based on expected usage:

| Monthly Requests | Estimated Cost |
| ---------------- | -------------- |
| 100,000          | ₹25,000/month  |
| 500,000          | ₹99,000/month  |
| 1,000,000+       | Custom quote   |

**Contact Sales:** [support@fincept.in](mailto:support@fincept.in)

## Subscription Management

### Subscribe to Plan

```bash theme={null}
curl -X POST https://api.fincept.in/cashfree/create-order \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "plan_id": "basic_monthly"
  }'
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "payment_url": "https://payments.cashfree.com/...",
    "session_id": "session_abc123",
    "amount": 499
  }
}
```

### View Active Subscriptions

```bash theme={null}
curl https://api.fincept.in/user/subscriptions \
  -H "X-API-Key: fk_user_your_key"
```

### Cancel Subscription

```bash theme={null}
curl -X DELETE https://api.fincept.in/cashfree/subscription \
  -H "X-API-Key: fk_user_your_key"
```

<Info>
  After cancellation, credits remain valid until end of billing period.
</Info>

## Billing Cycle

### Monthly Subscriptions

**Renewal Date:** Same day each month (e.g., purchased Jan 15 → renews Feb 15)

**Credit Refresh:**

```
Jan 15: Subscribe → 500 credits
Feb 15: Auto-renew → Reset to 500 credits
Mar 15: Auto-renew → Reset to 500 credits
```

**Unused Credits:**
Do **not** roll over
Refresh to plan amount on renewal

### Payment Schedule

| Event           | Timing           | Action                   |
| --------------- | ---------------- | ------------------------ |
| Initial payment | Immediately      | Credits added instantly  |
| Auto-renewal    | Monthly          | Same date, same amount   |
| Payment failure | 3 retry attempts | Subscription suspended   |
| Cancellation    | End of period    | No refund, credits valid |

## Upgrading/Downgrading

### Upgrade Plan

Upgrade takes effect immediately:

```
Current: Basic (500 credits, used 200)
↓
Upgrade to Standard (2,500 credits)
↓
New balance: 2,500 credits (immediate)
```

**Proration:**

* Credited for unused days on old plan
* Charged prorated amount for new plan
* Credits reset to new plan amount

### Downgrade Plan

Downgrade takes effect at end of current billing period:

```
Current: Standard (2,500 credits)
↓
Downgrade to Basic
↓
Continue with Standard until renewal date
↓
On renewal: Switch to Basic (500 credits)
```

## Payment Methods

Powered by **Cashfree Payment Gateway**:

<Tabs>
  <Tab title="Cards">
    * Visa
    * Mastercard
    * RuPay
    * American Express
    * Diners Club
  </Tab>

  <Tab title="UPI">
    * Google Pay
    * PhonePe
    * Paytm
    * BHIM UPI
    * Any UPI app
  </Tab>

  <Tab title="Banking">
    * Net Banking (all major banks)
    * Wallets (Paytm, Mobikwik)
    * EMI options (select cards)
  </Tab>
</Tabs>

## Which Plan to Choose?

### Decision Matrix

**Use Free Plan if:**

* Testing the API
* \< 350 total requests needed
* Mainly using Free tier endpoints
* Budget-constrained student/researcher

**Use Basic Plan if:**

* Regular user (500+ requests/month)
* Mix of Basic/Standard/Pro endpoints
* Need consistent monthly credits
* Professional hobby projects

**Use Standard Plan if:**

* Active trader or analyst
* Heavy Standard/Pro tier usage
* Building production applications
* Small team (2-5 developers)

**Use Pro Plan if:**

* Financial institution
* High-frequency usage
* Multiple production apps
* Dedicated support needed
* Large team (5+ developers)

**Contact Enterprise if:**

* 100,000+ requests/month
* Custom SLA requirements
* On-premise deployment needed
* SSO integration required

## Cost Calculator

Estimate your monthly costs:

**Example 1: Options Trader**

```
100 Black-Scholes calls/day × 30 days = 3,000 calls
3,000 calls × 2 credits = 6,000 credits
Recommended: Pro plan (7,500 credits/month) = ₹4,999
```

**Example 2: Portfolio Manager**

```
50 portfolio optimizations/month × 5 credits = 250 credits
200 statistics calls/month × 1 credit = 200 credits
Total = 450 credits
Recommended: Free (350 signup) + Starter pack (200) = ₹199 one-time
```

**Example 3: Research Platform**

```
10,000 stat calls/month × 1 credit = 10,000 credits
Recommended: Contact enterprise for volume pricing
```

## Next Steps

<CardGroup cols={2}>
  <Card title="Pricing Overview" icon="tag" href="/pricing">
    Complete pricing information
  </Card>

  <Card title="Credit System" icon="coins" href="/credit-system">
    How credits work in detail
  </Card>

  <Card title="Billing FAQ" icon="circle-question" href="/billing-faq">
    Common billing questions
  </Card>

  <Card title="Start Free" icon="rocket" href="/quickstart">
    Register and get 350 credits
  </Card>
</CardGroup>