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Payment Methods

Manage your payment methods to ensure uninterrupted service and automatic credit purchases. Configure payment methods, set up auto-recharge for AI credits, and understand how billing works. Access payment settings through Settings > Billing.

Adding Payment Methods

To add a payment method:

  1. Navigate to Settings > Billing
  2. Locate the Payment Methods section
  3. Click Add Payment Method or Update Payment Method
  4. Enter your payment information:
    • Credit or debit card details
    • Billing address
    • Payment method name (optional, for identification)
  5. Save the payment method

Secure Storage: Payment information is securely stored and processed through our payment provider. Clear Ideas does not store full card numbers.

Updating Payment Methods

To update an existing payment method:

  1. Navigate to Settings > Billing
  2. Find your current payment method
  3. Click Edit or Update
  4. Modify the payment information
  5. Save changes

When to Update:

  • Card expiration date approaching
  • Card number changed
  • Billing address changed
  • Switching to a different payment method

Payment Method Management

Multiple Payment Methods

Primary Method: Set a primary payment method that's used by default for charges.

Backup Methods: Add backup payment methods for redundancy.

Method Selection: Choose which payment method to use for specific transactions when multiple methods are available.

Payment Method Details

Each payment method displays:

  • Card Type: Visa, Mastercard, American Express, etc.
  • Last Four Digits: Last four digits of the card number for identification
  • Expiration Date: Card expiration date
  • Billing Address: Associated billing address
  • Status: Active, expired, or pending verification

Auto-Recharge for AI Credits

Configure automatic credit purchases to ensure you never run out of AI credits.

Setting Up Auto-Recharge

To enable auto-recharge:

  1. Navigate to Settings > Billing or Settings > AI Credits
  2. Locate Auto-Recharge settings
  3. Configure auto-recharge parameters:
    • Threshold: Credit balance that triggers recharge
    • Recharge Amount: Amount to purchase when threshold is reached
    • Payment Method: Which payment method to use
  4. Enable auto-recharge

Automatic Purchases: When your credit balance falls below the threshold, credits are automatically purchased using your configured payment method.

Auto-Recharge Configuration

Threshold Settings: Set the credit balance that triggers automatic recharge.

Example: If threshold is 1,000,000 credits, recharge triggers when balance falls below this amount.

Recharge Amount: Specify how many credits to purchase during auto-recharge.

Minimum/Maximum: Auto-recharge typically has minimum ($10) and maximum ($100) purchase limits.

Payment Method: Select which payment method to use for auto-recharge transactions.

Managing Auto-Recharge

Enable/Disable: Turn auto-recharge on or off as needed.

Modify Settings: Update threshold, amount, or payment method at any time.

Monitor Activity: Review auto-recharge transactions in your billing history.

Billing Cycle and Charges

Subscription Charges

Billing Frequency: Subscription charges occur based on your plan:

  • Monthly Plans: Charged monthly on your billing date
  • Annual Plans: Charged annually on your billing date
  • Billing Date: Your billing date is set when you subscribe

AI Credit Purchases

On-Demand: Manual credit purchases are charged immediately.

Auto-Recharge: Automatic credit purchases are charged when the threshold is reached.

Transaction Timing: Credit purchases appear in your billing history immediately.

Charge Timing

Immediate Processing: Most charges are processed immediately.

Payment Authorization: Your payment method is authorized at the time of charge.

Failed Payments: If a charge fails, you'll be notified and service may be affected.

Billing History

Viewing Charges

Access your billing history through Settings > Billing:

  • Subscription Charges: Monthly or annual plan charges
  • Credit Purchases: AI credit purchase transactions
  • Transaction Dates: When each charge occurred
  • Amounts: Charge amounts and currency
  • Payment Methods: Which payment method was used

Receipts and Invoices

Download Receipts: Download receipts and invoices for all transactions.

Email Receipts: Receipts are automatically sent to your email address.

Tax Information: Receipts include tax information where applicable.

Payment Security

Secure Processing

Encryption: All payment information is encrypted during transmission.

PCI Compliance: Payment processing follows PCI DSS compliance standards.

Tokenization: Payment details are tokenized for secure storage.

Payment Method Security

No Full Storage: Full card numbers are not stored by Clear Ideas.

Secure Provider: Payments are processed through secure, certified payment providers.

Regular Updates: Payment security is regularly updated and monitored.

Best Practices

Payment Method Management

Keep Updated: Regularly update payment methods before expiration.

Verify Information: Ensure billing addresses match your payment method.

Monitor Charges: Regularly review billing history for accuracy.

Auto-Recharge Configuration

Appropriate Threshold: Set thresholds that give you time to review before recharge.

Reasonable Amounts: Configure recharge amounts that match your usage patterns.

Monitor Activity: Regularly check auto-recharge activity to ensure it's working as expected.

Budget Management

Track Spending: Monitor your billing history to track spending.

Plan Purchases: Plan credit purchases based on usage patterns.

Set Limits: Consider setting personal limits for credit purchases.

Troubleshooting

Failed Payments

Check Payment Method: Verify your payment method is valid and has sufficient funds.

Update Information: Update expired cards or incorrect billing information.

Contact Support: If issues persist, contact support for assistance.

Auto-Recharge Issues

Verify Settings: Check that auto-recharge is properly configured.

Payment Method: Ensure your payment method is valid and active.

Threshold Check: Verify your threshold settings are appropriate.