Payment Policy
Learn how TWAICY subscriptions, billing, merchant payments, invoices, renewals, and customer payments work.
Subscription Billing
Transparent Pricing
1. Overview & SaaS Billing Model
Software Subscription vs Direct Customer Payments
TWAICY operates strictly as a Software-as-a-Service (SaaS) Commerce Operating System. Merchants pay TWAICY predictable subscription fees to access store builder tools, order management modules, and shipping integrations.
Customer storefront payments are NEVER collected, processed, or held in TWAICY accounts. Store buyer funds transfer directly from the customer to the merchant's bank account or payment gateway.
Core SaaS Platform Payment Guarantees:
2. TWAICY Subscription Tiers
Predictable SaaS Billing Structure
TWAICY offers transparent subscription tiers designed for growing brands, local merchants, and high-volume enterprise stores:
Monthly Subscription
Pay month-to-month with no long-term lock-in contract. Cancel or upgrade plan anytime.
Yearly Subscription
Annual subscription billing with 2 months free platform usage and dedicated onboarding.
Enterprise Custom Plan
Custom SLA, dedicated server infrastructure, high-volume API rate limits, and SLA manager.
3. Platform Subscription Billing Operations
Activation, Automated Billing & Invoice Generation
Upon successful payment of a TWAICY subscription tier, all plan features (website builder, domain mapping, inventory tools) activate instantly.
TWAICY sends automated email reminders 7 days prior to subscription renewal dates so merchants retain full billing visibility.
Download tax-compliant PDF invoices with GSTIN itemization directly from your TWAICY Store Billing Settings.
4. Merchant Storefront Customer Payments
Direct Peer-to-Merchant Customer Revenue Flow
100% Direct Customer Revenue Commitment
"100% of customer payments go directly to the merchant. TWAICY never holds, collects, settles, delays or controls merchant customer revenue."
Payment Channels Controlled 100% by Merchant:
5. Accepted Platform Payment Methods
Supported Channels for TWAICY Subscription Checkout
UPI Instant Checkout
Google Pay, PhonePe, Paytm, BHIM UPI.
Credit Cards
Visa, Mastercard, RuPay, Amex cards.
Debit Cards
All Indian bank debit cards.
Net Banking
50+ major Indian commercial banks.
Digital Wallets
Paytm, Mobikwik, Amazon Pay wallets.
International Cards
International Visa/Mastercard payments.
6. Tax Invoices & GST Input Tax Credit
B2B Tax Compliance & Automated PDF Downloads
All platform subscription payments generate tax-compliant GST invoices immediately upon successful payment authorization:
GST Input Credit
Enter your business GSTIN to claim 18% Input Tax Credit on subscription invoices.
1-Click PDF Export
Download official PDF tax invoices directly from Store Billing Settings.
Business Name
Custom business registered address & trade name itemization on invoices.
Billing History
Permanent archive of all past subscription payments and receipts.
7. Subscription Renewal & Grace Period
Automated & Manual Renewal Options
Auto or Manual Renewal
Merchants can toggle automated mandate renewal or manual UPI payment authorization for recurring subscription cycles.
7-Day Reminders
Advance email and dashboard alerts sent prior to card debit or subscription cycle expiry.
3-Day Grace Period
Storefront stays 100% active for 3 days following payment failure to allow card or UPI retry without service interruption.
8. Subscription Cancellation Terms
Self-Service Plan Cancellation Procedure
Merchants may cancel their TWAICY SaaS subscription at any time directly from the admin dashboard with 1-click.
Canceling a subscription prevents any future auto-debits or recurring subscription charges.
Your store remains fully operational until the end of your prepaid monthly or annual billing period.
9. Subscription Refund Policy Boundaries
SaaS Platform Refunds vs Storefront Customer Purchase Refunds
Key Separation of Payment Scope:
- TWAICY Subscription Refunds: Platform subscription refunds follow the official TWAICY Refund & Cancellation Policy (e.g. 7-day money-back guarantee for initial annual plan upgrades).
- Storefront Customer Product Refunds: Customer product purchase refunds are handled 100% directly by merchants, as TWAICY never collects or holds customer store payments.
10. Billing Security & Infrastructure Safeguards
PCI-DSS Level 1 Encryption & Tokenization Standards
PCI-DSS Level 1
Billing checkout handled by PCI-DSS compliant Razorpay vault gateways.
TLS 1.3 Encryption
All billing data in transit is encrypted using 256-bit SSL protocols.
Zero Card Storage
TWAICY servers never store full credit card numbers or CVV security codes.
API Token Vault
Merchant API keys encrypted at rest using AES-256 HSM keys.
11. Failed Payment Handling & Account Reactivation
Payment Retry Protocol & Service Continuity
- Automated Retry: System retries subscription charge after 24 hours.
- 3-Day Grace Period: Store remains active while merchant receives email & dashboard payment retry prompts.
- Temporary Suspension: If unpaid after 3 days, admin editing tools pause until payment is updated.
- Instant Reactivation: Complete instant plan reactivation upon updating valid card or UPI mandate.
12. Statutory Taxes & GST Itemization
Indian Goods and Services Tax Compliance
TWAICY platform subscriptions are subject to applicable Indian Goods and Services Tax (18% GST). Registered businesses can input their valid GSTIN number during plan checkout to receive tax credit invoices.
13. Frequently Asked Questions
Common Billing & Revenue Queries
14. Contact Billing & Finance Desk
Dedicated Assistance for Merchant Subscriptions & Invoicing
If you have questions regarding subscription billing cycles, GST invoice updates, or enterprise pricing, reach out to our team: