Payment Policy

1. What this covers

How payments for SellerProAI subscriptions are taken, confirmed, recorded and invoiced, and what to do when a payment does not go the way you expected.

Cancellation and refunds are governed by the Refund & Cancellation Policy. This policy forms part of the Terms of Service.

2. How a payment happens

In order:

• You choose a plan in the application.
• We create a payment order with our payment provider, Razorpay.
• You complete payment on Razorpay's checkout.
• The result is verified on our servers before anything changes.
• Once verified as captured, your subscription is updated and an invoice is issued.

Card and payment instrument details are entered with Razorpay. They do not pass through, and are not stored on, SellerProAI servers.

3. Payment states, and what they mean for you

A payment record moves through a small set of states:

• Created — an order exists. Nothing has been charged and nothing has changed.
• Authorized — the payment has been approved but not yet captured. Your plan is not active on this alone.
• Captured — the payment is complete and verified. This is the only state that activates or advances a subscription.
• Failed — the payment did not go through. Nothing changes and you can try again.
• Refunded — money has been returned, in whole or in part, under the Refund & Cancellation Policy.

Payment state, subscription state and refund state are three different things. A payment being captured is what allows a subscription to change; it is not the same as the subscription's own status.

4. Confirmation can arrive by two routes

We learn a payment succeeded either when your browser returns from checkout, or from a webhook the payment provider sends us directly. Either can arrive first, and occasionally the second is delayed.

Both routes are verified, and settlement is idempotent — if both arrive, the payment is still settled once. You are not charged twice because a confirmation arrived twice.

If confirmation is delayed, your plan may take a short time to reflect the payment. If it has not appeared after a reasonable wait, contact us rather than paying again.

5. A bank debit is not a confirmed payment

This is the single most useful thing on this page. Your bank showing a debit does not by itself mean we have received a verified, captured payment. Payments can be authorised and then fail to capture, and a debit can be reversed by the bank without us being involved.

So if your bank shows money leaving but SellerProAI still shows the payment as unsuccessful or the plan as unchanged:

• Do not pay again straight away. A second attempt usually creates a duplicate charge that then has to be traced and refunded.
• Keep the payment reference, the date and the amount from your bank or card statement.
• Write to contact@sellerproai.com with those details and the invoice number if you have one.
• We will trace it against our records and the payment provider's, and tell you what we find.

Never send your full card number, CVV, PIN, OTP or any authentication code — not to us and not to anyone claiming to be us. We never need them.

6. Failed payments, and what happens to your access

If a first payment fails, no plan change takes effect and nothing is charged. You can try again.

If a renewal payment fails on an existing subscription, your access does not stop immediately. The subscription moves to a past-due state and then a short grace period, during which you can still read and download your existing work — drafts, past projects and exports — but cannot generate new listings. If payment is not completed by the end of that, the subscription ends and you return to the Free plan.

Closing or cancelling the checkout window before completing payment creates no charge at all.

7. Duplicate and unrecognised charges

If you think you were charged twice, charged the wrong amount, or charged for something you did not authorise, tell us as soon as you can at contact@sellerproai.com with the payment reference or invoice number.

We investigate these. Where a refund is due it is handled under the Refund & Cancellation Policy — there is no automatic reversal, and we would rather say that than imply one.

You may also have dispute or chargeback rights with your bank, card issuer or payment network. Nothing here removes them. If you raise a chargeback and also ask us for a refund for the same payment, please tell us, so the same amount is not returned twice.

8. Automatic renewal

Automatic renewal is optional and is off unless you switch it on. If you switch it on, you authorise a recurring payment mandate with the payment provider, up to the amount and frequency shown to you at the time.

You can cancel the mandate from the application, and cancelling your subscription stops future renewals.

What we control is whether we request a payment. When and how a mandate is executed, and what notice your bank sends you about it, are determined by the payment provider, your bank and the payment networks. Any reminder we send before a renewal is a courtesy from us — it is not a bank or regulatory pre-debit notification.

Legal review required. PAYMENT/REGULATORY REVIEW REQUIRED. Recurring-payment mandate requirements, pre-debit notification timing and cancellation mechanics under the applicable RBI and payment-network rules have not been assessed here, and nothing about them is claimed.

9. Plan changes

Changing plan continues your current billing period rather than restarting it. What each plan includes, and what a change costs, are shown in the application at the time you make the change.

A plan change is not by itself a refund of the plan you were on. Your listing allowance follows the plan you are on; the Refund & Cancellation Policy explains how allowance works and how purchased credits differ from it.

10. Invoices and credit notes

An invoice is issued for each successful payment and is available on the Billing page in the application. Invoices are numbered in a continuous series for the financial year.

Where a refund is issued, a corresponding credit note is raised against the original invoice, so your records and ours agree.

Invoices reflect the billing details on your account at the time, including your billing address and, if you have provided one, your GSTIN. Keep these current — an invoice cannot be corrected retrospectively for details that were not on the account when it was issued.

11. Currency, prices and taxes

Prices are shown and charged in Indian Rupees. The amount you pay is the amount displayed at the point of purchase.

Whether a plan price is shown inclusive or exclusive of tax depends on the plan and on whether you have provided a GSTIN. The final amount, and any tax on it, are shown before you pay and again on the invoice.

We may change prices. A change does not retroactively reprice a period you have already paid for.

Legal review required. LEGAL/TAX REVIEW REQUIRED. GST applicability, the correct rate, place-of-supply determination, whether a given customer is treated as a business or a consumer, and the tax treatment of refunds and credit notes all depend on the business's own registration and tax position. None of it is asserted here. Confirm with a tax adviser.

12. Refunds

Refund eligibility, what is and is not refundable, partial refunds, how a refund is processed and how long it takes to appear are all governed by the Refund & Cancellation Policy.

In short: there is no self-service refund button, refunds are assessed and processed by our team on request, and a returned listing allowance is a credit inside your account rather than money.

13. How payments are protected

The measures actually in place are:

• Card and payment instrument details are entered with the payment provider and never reach our servers.
• Every payment result is verified on our servers before a subscription changes; the browser's word is never enough on its own.
• Webhooks from the payment provider are signature-verified before they are acted on.
• Settlement is idempotent, so a repeated or replayed confirmation cannot double-charge or double-activate.
• Payment records are tied to your account and are visible only to you and to authorised staff.

We hold no payment security certification and make no such claim. No system can be guaranteed perfectly secure.

14. What we store about payments

We keep payment and order references, amounts and currency, payment status, invoices, credit notes, refund records, subscription records, and the billing address and GSTIN you provide.

We do not hold your card number, CVV or any payment authentication data — those stay with the payment provider.

The Privacy Policy governs how this information is handled and how long it is kept.

Legal review required. LEGAL/TAX REVIEW REQUIRED. Statutory minimum retention for invoices, credit notes and other financial records must be confirmed with a tax and legal adviser and then stated explicitly in the Privacy Policy.

15. What we ask of you

• Check the plan and the amount before you pay.
• Keep your billing details and GSTIN accurate and current.
• Keep your account credentials secure, and never share payment authentication codes with anyone.
• Keep your invoices and payment references — they are what makes a query quick to resolve.
• Tell us promptly about a duplicate, unrecognised or incorrect charge.

16. Your legal rights

Nothing in this policy removes any right you have under applicable law, including consumer protection law and any rights you have through your bank or payment network.

Legal review required. LEGAL REVIEW REQUIRED. Whether business customers of a SaaS subscription are "consumers" under the Consumer Protection Act, 2019, whether the Consumer Protection (E-Commerce) Rules, 2020 apply, and what statutory payment, cancellation or refund rights follow, all need legal advice.

17. Contact

Payment and billing questions, and complaints: contact@sellerproai.com. You can also reach us through the support pages in the application. Please include the invoice number or payment reference, and never your full card number.