Payment Terms

1. Billing and Payment Terms

Payment Schedule

Payments are due according to your selected billing cycle:

• Monthly Plans: Charged monthly in advance on your billing date
• Annual Plans: Charged annually in advance with applicable discounts
• Usage-Based: Charged monthly in arrears based on actual usage
• Enterprise: Custom payment terms as specified in your agreement

Payment Processing

We use secure third-party payment processors including:

• Stripe for credit card processing
• PayPal for alternative payment methods
• Bank transfer for enterprise customers
• Cryptocurrency for supported regions

2. Accepted Payment Methods

Credit and Debit Cards

• Visa, Mastercard, American Express, Discover
• International cards from supported countries
• Corporate and business cards
• Automatic card updating through payment processors

Alternative Payment Methods

• PayPal and PayPal Business accounts
• Apple Pay and Google Pay (where available)
• ACH bank transfers (US customers)
• SEPA direct debit (EU customers)
• Wire transfers for large payments

Cryptocurrency

We accept cryptocurrency payments in supported regions:

• Bitcoin (BTC)
• Ethereum (ETH)
• USD Coin (USDC)
• Other stablecoins as available

3. Pricing and Fees

Service Fees

Our current pricing is available at originary.xyz/pricing. Fees include:

• Subscription Fees: Monthly or annual platform access
• Usage Fees: Based on API calls, receipts generated, or transactions processed
• Transaction Fees: Percentage of payments processed through our Gateway
• Professional Services: Custom implementation and consulting

Payment Processing Fees

Payment processing fees are passed through from our payment providers:

• Credit cards: 2.9% + $0.30 per transaction
• ACH/Bank transfer: 0.8% (capped at $5.00)
• International cards: Additional 1.5% fee
• Cryptocurrency: Network fees apply

Currency and Taxes

Pricing and tax handling:

• All prices listed in USD unless otherwise specified
• Automatic currency conversion available
• Sales tax, VAT, and GST added where applicable
• Tax-exempt customers must provide valid certificates

4. Billing Cycles and Invoicing

Subscription Billing

For subscription services:

• Charges occur on the same date each month/year
• Automatic renewal unless cancelled
• Prorated charges for mid-cycle upgrades
• Credits applied for downgrades at next billing cycle

Usage-Based Billing

For usage-based services:

• Usage tracked in real-time
• Monthly invoices sent within 5 business days
• Detailed usage breakdowns provided
• Payment due within 30 days of invoice date

Enterprise Billing

Enterprise customers may have custom terms including:

• Custom billing cycles and payment terms
• Purchase order support
• Net 30, 60, or 90 payment terms
• Volume discounts and custom pricing

5. Failed Payments and Suspension

Payment Failures

If a payment fails, we will:

• Immediately notify you via email
• Retry payment up to 3 times over 7 days
• Provide a grace period to update payment information
• Suspend services if payment cannot be collected

Account Suspension

Accounts may be suspended for:

• Non-payment after grace period expires
• Disputed charges or chargebacks
• Suspected fraudulent activity
• Violation of terms of service

Service Restoration

To restore suspended services:

• Pay all outstanding balances
• Update payment information if needed
• Contact support to reactivate account
• Services typically restored within 24 hours

6. Refunds and Credits

Refund Policy

We offer refunds in the following circumstances:

• Service Issues: Significant service outages or failures
• Billing Errors: Incorrect charges or duplicate payments
• Cancellation: Prorated refunds for unused subscription periods
• Disputes: Resolved billing disputes or chargebacks

Refund Process

To request a refund:

• Contact support within 30 days of charge
• Provide details about the issue or error
• Refunds processed within 5-10 business days
• Refunds returned to original payment method

Account Credits

Account credits may be issued for:

• Service level agreement violations
• Downgrade prorations
• Promotional offers and discounts
• Customer goodwill gestures

7. Disputes and Chargebacks

Dispute Resolution

Before disputing charges with your bank:

• Contact our support team first
• Most issues can be resolved quickly
• We maintain detailed transaction records
• Disputes can be expensive and time-consuming

Chargeback Policy

If you initiate a chargeback:

• Your account may be suspended immediately
• Chargeback fees ($15-25) will be charged
• We will respond with transaction evidence
• Service restoration requires resolution

8. Price Changes

Subscription Price Changes

For subscription services:

• 30 days advance notice for price increases
• Grandfathering of existing customers when possible
• Option to cancel before increase takes effect
• New prices apply at next billing cycle

Usage-Based Price Changes

For usage-based pricing:

• Updated pricing published on website
• Changes effective for new usage
• Enterprise customers have contract protection
• Notification via email and dashboard

9. International Considerations

Currency Conversion

For international customers:

• Charges processed in USD by default
• Currency conversion by your bank or card issuer
• Exchange rates determined by payment processor
• Local currency billing available in select regions

Taxes and Compliance

International tax compliance:

• VAT charged for EU customers
• GST charged for applicable countries
• Tax registration in required jurisdictions
• Reverse charge mechanism where applicable

10. Contact Information

For billing questions, payment issues, or disputes, please contact us: