Billing & Invoices

Arconomy handles all billing through a secure payment processor. This guide covers the payment methods we accept, how to view and download your invoices, how to update your payment information, and important details about tax and GST for Australian customers.

Payment Methods

Arconomy accepts the following payment methods for subscription billing:

• Visa -- Credit and debit cards
• Mastercard -- Credit and debit cards
• American Express -- Credit cards

All payments are processed securely through our payment provider. Arconomy does not store your full card details on our servers -- card information is tokenised and held by our PCI-compliant payment processor.

Adding a Payment Method

When you first upgrade from the Free plan, you will be prompted to enter your card details during the upgrade process. Your card is saved for future billing cycles so you do not need to re-enter it each month.

To add or change a payment method at any time:

1. Go to Account Settings from your profile menu.
2. Select the Billing tab.
3. Click Add Payment Method or Update Card.
4. Enter your new card details and click Save.

Billing Cycle

Arconomy subscriptions are billed on a monthly cycle. Your billing date is set to the day you first subscribe to a paid plan. For example, if you upgrade to Paper Trading on the 15th of a month, you will be billed on the 15th of each subsequent month.

Key details about your billing cycle:

• Billing date -- The same day each month as your original subscription date.
• Payment timing -- Charges are processed at the start of each billing cycle. You pay in advance for the upcoming month.
• Failed payments -- If a payment fails, Arconomy will retry the charge up to 3 times over the following 7 days. You will receive email notifications for each retry attempt.
• Grace period -- If all retry attempts fail, your account enters a 7-day grace period during which your paid features remain active. After the grace period, your account is downgraded to the Free plan until payment is resolved.

Viewing and Downloading Invoices

Arconomy generates an invoice for every payment, including subscription charges, upgrades, and pro-rated adjustments. You can view and download your complete invoice history from your account settings.

Accessing Your Invoices

1. Go to Account Settings from your profile menu.
2. Select the Billing tab.
3. Scroll down to the Invoice History section.
4. You will see a list of all invoices with the date, amount, and status (paid, pending, or failed).

Downloading Invoices

To download an invoice as a PDF:

1. Find the invoice you need in the Invoice History list.
2. Click the Download PDF button next to the invoice.
3. The PDF will be downloaded to your computer and includes all details required for accounting and tax purposes.

Each invoice PDF includes:

• Invoice number and date
• Your account details (name and email)
• Plan name and billing period
• Itemised charges (subscription fee, pro-rated adjustments, credits)
• Subtotal, GST (where applicable), and total amount
• Payment method used (last 4 digits of card)
• Arconomy's ABN for tax purposes

Email Receipts

In addition to invoices in your account, Arconomy sends an email receipt to your registered email address after each successful payment. These emails contain a summary of the charge and a link to download the full invoice PDF.

Updating Your Payment Information

You can update your payment card at any time without affecting your subscription. This is useful when your card expires, you receive a replacement card, or you want to switch to a different card.

1. Go to Account Settings from your profile menu.
2. Select the Billing tab.
3. In the Payment Method section, click Update Card.
4. Enter your new card details.
5. Click Save to confirm the change.

Your new card will be used for all future billing charges. The change takes effect immediately -- if you have an upcoming payment due, it will be charged to the new card.

Tax and GST Information

Arconomy is an Australian company and is registered for Goods and Services Tax (GST). Here is what you need to know about tax on your subscription:

Australian Customers

For customers located in Australia, all prices displayed on the Arconomy website and in your account are inclusive of 10% GST. This means the price you see is the price you pay -- there are no additional tax charges at checkout.

Your invoices will include a GST breakdown showing:

• The GST-exclusive amount
• The GST component (10%)
• The total amount (GST-inclusive)
• Arconomy's Australian Business Number (ABN)

These invoices are valid tax invoices for BAS (Business Activity Statement) reporting purposes if you are a registered business claiming GST credits.

International Customers

For customers located outside Australia, GST does not apply to your subscription. Your invoices will show the subscription amount without any GST component. Depending on your local tax jurisdiction, you may be subject to local taxes such as VAT or sales tax -- these are your responsibility to assess and report.

Currency

All Arconomy subscriptions are billed in Australian Dollars (AUD). If your card is denominated in a different currency, your bank or card issuer will convert the charge at their prevailing exchange rate. A small foreign currency conversion fee may apply depending on your card issuer's policies -- check with your bank for details.

Handling Failed Payments

If a payment fails, here is what happens and what you can do:

1. Notification -- You will receive an email notifying you of the failed payment with a link to update your payment method.
2. Automatic retries -- Arconomy will attempt to process the payment again after 1 day, 3 days, and 7 days.
3. Update your card -- If your card has expired or the charge was declined, update your payment method in Account Settings. The next retry will use the new card.
4. Grace period -- Your paid features remain active for 7 days after the first failed attempt. If payment is not resolved within this period, your account will be downgraded to the Free plan.
5. Reactivation -- If your account is downgraded, you can reactivate by going to Account Settings, updating your payment method, and selecting your desired plan. You will be charged immediately for the new billing cycle.