This Payment Policy explains how payments work on OneFintel, including currencies, billing cycles, taxes, late-payment handling, and how we use Stripe as our payment processor. Read it alongside our Refund Policy.
1. Payment processor
All payments are processed by Stripe Payments Europe Ltd. Stripe is certified to PCI DSS Service Provider Level 1. OneFintel never sees or stores your full card number — Stripe tokenises it and returns a customer ID that we hold.
2. Currencies
Default billing currency is GBP (£). We support charging in USD, EUR, AUD, CAD and SGD on request for Enterprise contracts. FX conversion (if any) is performed by Stripe at the time of charge and is shown on your invoice.
3. Billing cycles
- Monthly — charged on the same day each month as your initial subscription start.
- Annual — paid upfront. Two months free vs. the monthly price.
- Setup fees — charged once at activation. See the pricing page. Setup fees are waived on Solo and Essentials.
4. Taxes
- UK customers: prices exclude VAT, which is added at checkout at the prevailing UK rate (currently 20%).
- EU customers: VAT is collected under the OSS scheme based on your billing country. Valid VAT-registered businesses can supply a VAT number for the reverse-charge mechanism.
- Customers outside the UK/EU: prices are quoted exclusive of local taxes; you are responsible for any sales / use / withholding tax that applies.
5. Accepted payment methods
- Visa, Mastercard, American Express, Discover.
- Apple Pay and Google Pay (where Stripe supports them in your region).
- SEPA Direct Debit for EU customers (Enterprise tier).
- Bacs Direct Debit for UK Enterprise customers.
- BACS transfer or wire for annual prepay Enterprise contracts on request.
6. Failed payments and dunning
- Stripe automatically retries failed charges 3 times over 7 days.
- After 3 failed retries, your workspace is moved to past due and read-only access is restricted to billing.
- After 14 days past due, modules are suspended until payment is resolved.
- After 30 days, the workspace is suspended; data is retained for 90 days before deletion (you can export at any time within that window).
7. Invoices and receipts
Every successful charge generates an invoice from Stripe with our VAT details. Invoices are available in the customer portal and emailed to the workspace admin. Past 24 months of invoices are kept online; older invoices are available on request.
8. Price changes
Standard pricing may change with at least 30 days' written notice. Launch-locked pricing for the first 50 customers does not change for the life of an active subscription — you retain the launch price as long as you keep your subscription continuously active.
9. Upgrades, downgrades and add-ons
- Upgrades take effect immediately and are prorated.
- Downgrades take effect at the end of the current billing period.
- À la carte module add-ons are charged on a prorated basis from the day of activation.
10. Disputes and chargebacks
Before initiating a chargeback, please email us via the form on our contact page. The vast majority of disputes are resolved within 24 hours. Chargebacks raised without prior contact may result in account suspension and a £25 administrative fee per dispute, as charged to us by Stripe.