Billing & Payment Terms

1. Billing Overview

These Billing & Payment Terms govern payment processing, invoicing, and billing practices for CapEngage services. By subscribing to our Services, you agree to these billing terms.

All charges are in Indian Rupees (INR) unless otherwise specified.

2. Subscription Billing

2.1 Billing Cycles

• Monthly Subscriptions: Billed monthly on the anniversary date
• Annual Subscriptions: Billed annually on the anniversary date
• Prorated Charges: Applied for plan upgrades (not downgrades)

2.2 Payment Methods

Accepted payment methods:

• Credit and debit cards (Visa, Mastercard, American Express)
• Net banking (major Indian banks)
• UPI (Unified Payments Interface)
• Wire transfer (for Enterprise customers)

2.3 Automatic Billing

Subscriptions are automatically billed at the start of each billing period. You authorize CapEngage to charge your selected payment method automatically.

3. Invoicing

3.1 Invoice Generation

Invoices are generated:

• Automatically at the start of each billing period
• Sent to the billing email address on file
• Available for download from account dashboard

3.2 Invoice Contents

Invoices include:

• Invoice number and date
• Billing period covered
• Line item charges (plan, add-ons, overages)
• Tax breakdown (GST, as applicable)
• Total amount due
• Payment due date

3.3 Invoice Requirements

Enterprise customers requiring specific invoice formats (PO numbers, custom fields) should contact billing@capengage.com.

4. Taxes

4.1 Goods and Services Tax (GST)

For customers in India:

• GST is charged as per applicable rates (18% for most services)
• GSTIN is included on all invoices
• Input tax credit may be available for business customers

4.2 International Taxes

International customers may be subject to local taxes based on their jurisdiction. Customers are responsible for any local taxes not collected by CapEngage.

5. Payment Processing

5.1 Payment Processors

We use third-party payment processors:

• Stripe: For international card payments
• Razorpay: For Indian payment methods (cards, UPI, net banking)

5.2 Security

Payment security measures:

• PCI DSS compliance for card processing
• Encryption of payment data in transit and at rest
• Card data never stored on our servers
• Tokenization for recurring payments

5.3 Failed Payments

If payment fails, we will retry automatically up to 3 times over 7 days. Service may be suspended if payment remains unsuccessful.

6. Credit System

6.1 Credit Purchases

Credit purchases:

• One-time purchases, non-refundable (except as required by law)
• Credits are added immediately upon payment confirmation
• Credits expire 12 months from purchase date
• Credit rates vary by service type and destination

6.2 Subscription Credits

Some plans include monthly credits. Unused credits do not roll over to the next billing period.

7. Refund Policy

Refund policy overview:

• 30-day money-back guarantee for new customers
• Service credits for SLA violations
• Refunds for billing errors
• Pro-rated refunds for annual subscriptions within 30 days

See our Refund & Cancellation Policy for complete details.

8. Billing Disputes

To dispute a charge:

• Contact billing@capengage.com within 30 days of the charge
• Provide invoice number and reason for dispute
• Allow 5-10 business days for investigation

Please contact us before initiating chargebacks with your payment provider.