Payment & Billing
All payment processing and billing for Optionomics subscriptions is securely handled through Stripe, a leading payment platform trusted by millions of businesses worldwide.
Payment Processing
Secure Checkout:
- All transactions processed through Stripe
- Industry-standard encryption (SSL/TLS)
- PCI DSS compliant via Stripe
- Your card details never stored on our servers
- Secure tokenization for recurring billing
Accepted Payment Methods
Credit & Debit Cards:
- Visa
- Mastercard
- American Express
- Discover
Requirements:
- Valid payment card
- Billing address
- Email address for receipts
How Billing Works
Initial Subscription
When you subscribe to Optionomics:
- Select a Plan: Choose Delta, Gamma, Theta, or Vega
- Enter Payment Details: Securely processed by Stripe
- Confirm Subscription: Review order and confirm
- Instant Access: Immediate access to all plan features
Checkout Process:
- Redirected to secure Stripe checkout page
- Enter card details and billing address
- Apply promotion codes (if available)
- Complete payment
- Redirected back to Optionomics
Recurring Billing
Monthly Billing:
- Charged on the same day each month
- Based on subscription start date
- Automatic renewal until canceled
Billing Notifications:
- Receipt sent after each successful payment
- Failure notifications if payment unsuccessful
- Renewal reminders (optional)
Managing Payment Methods
Adding a Payment Method
- Go to Account → Subscription
- Click “Manage Billing” (opens Stripe Billing Portal)
- Select “Add payment method”
- Enter card details
- Save as default payment method
Updating Payment Method
To change your payment card:
- Access Stripe Billing Portal from subscription page
- Click “Update payment method”
- Enter new card information
- Set as default if desired
- Optionally remove old card
When to Update:
- Card expiring soon
- Lost or stolen card
- Switching to different card
- Failed payment notification
Removing Payment Methods
You can remove payment methods in the Billing Portal:
- Cannot remove the only/default payment method
- Must have at least one active payment method
- Old cards automatically archived after removal
Failed Payments
If a payment fails, here’s what happens:
Immediate Actions:
- Email notification sent to your account
- Stripe retries automatically over several days
- Account suspended if all retries fail
Common Reasons for Failure:
- Insufficient funds
- Expired card
- Card declined by bank
- Incorrect billing information
- Card security issues
Resolving Failed Payments:
- Check the payment failure email
- Update payment method in Billing Portal
- Contact your bank if card was declined
- Payment automatically retries once updated
Account Status:
- Access continues during retry period
- Account suspended after final retry fails
- Can reactivate by updating payment method
- All data preserved during suspension
Billing Portal
Access full billing management through the Stripe Billing Portal:
Available in Billing Portal:
- View payment history
- Download invoices
- Update payment methods
- Change subscription plan
- Cancel subscription
- View upcoming invoices
- Update billing information
Accessing Billing Portal:
- Log into Optionomics
- Navigate to Account → Subscription
- Click “Manage Billing”
- Opens in new window (Stripe hosted)
Invoices & Receipts
Invoice Details:
- Company: Optionomics, LLC
- Address: 131 Continental Dr, Suite 305, Newark, DE 19713
- Support: support@optionomics.ai
Receiving Invoices:
- Emailed after each successful payment
- Available in Billing Portal
- Downloadable as PDF
- Includes all transaction details
What’s Included:
- Invoice number and date
- Billing period
- Plan details
- Amount charged
- Payment method
- Tax information (if applicable)
Refunds
Refund Policy:
- No automatic refunds for monthly subscriptions
- Contact support@optionomics.ai for refund requests
- Refunds processed through Stripe
- Returned to original payment method
- May take 5-10 business days to appear
When Refunds May Apply:
- Duplicate charges
- Technical issues preventing access
- Billing errors
- First-time subscription concerns
Not Eligible for Refund:
- Partial month refunds
- Change of mind (use cancellation instead)
- Features not matching expectations
- Unused portion of prepaid period
Subscription Changes
Upgrading Plans
When you upgrade:
- Immediate Access: New features available instantly
- Prorated Billing: Credit for unused time on old plan
- New Charges: Difference charged immediately
- Billing Date: Remains the same
Example: Upgrading from Delta ($9) to Gamma ($59) mid-month:
- Receive credit for unused Delta time
- Charged difference for Gamma
- Next regular charge on normal billing date
Downgrading Plans
When you downgrade:
- Access Maintained: Keep current features until period ends
- Takes Effect: At next billing cycle
- No Refunds: No credit for remaining time
- Feature Loss: Higher-tier features unavailable after downgrade
Example: Downgrading from Vega ($99) to Theta ($79):
- Keep API access until current period ends
- Theta plan starts at next billing date
- Lower charge applied going forward
Cancellation & Billing
When you cancel your subscription:
Immediate Effects:
- Stop future billing
- Cancellation confirmed via email
- No cancellation fees
Access After Cancellation:
- Full access until current period ends
- All features available until expiration
- Data preserved for 90 days
- Can reactivate anytime
Reactivation:
- Subscribe again through Plans page
- Choose same or different plan
- Immediate access upon payment
- Previous data restored (if within 90 days)
Security & Privacy
Payment Security:
- End-to-end encryption
- Secure card tokenization
- No card data stored by Optionomics
- PCI DSS compliant processing
- Fraud detection and prevention
Privacy Commitments:
- Payment info only shared with Stripe
- Never sell billing information
- Secure data transmission
- Regular security audits
Promotion Codes
Applying Promo Codes:
- Enter at checkout during subscription
- Applied automatically to invoice
- Discounts vary by promotion
- One code per transaction
Types of Promotions:
- Percentage discounts (e.g., 20% off)
- Fixed amount off (e.g., $10 off)
- Free months
- Limited time offers
Where to Find Codes:
- Email campaigns
- Social media promotions
- Partnership offers
- Seasonal sales
Billing Support
Need Help?
For billing questions or issues:
Email: support@optionomics.ai
Include in Your Request:
- Account email address
- Invoice number (if applicable)
- Description of issue
- Screenshots if relevant
Response Time:
- Billing issues: We typically respond within 24 hours
- Payment failures: Priority response
- General inquiries: 1-2 business days
Common Issues We Can Help With:
- Failed payment assistance
- Invoice questions
- Refund requests
- Billing address updates
- Payment method problems
- Proration calculations
- Tax documentation
Taxes
Sales Tax:
- Applied based on billing address
- Varies by state/country
- Shown before payment confirmation
- Included on all invoices
Tax Exemption:
- Contact support with exemption certificate
- Applies to future invoices
- Must provide valid documentation
- Reviewed on case-by-case basis
Billing FAQs
When will I be charged? Immediately upon subscription, then on the same day each month.
Can I get a pro-rated refund if I cancel? No, but you retain access until your current billing period ends.
What happens if my payment fails? You’ll receive an email notification and we’ll automatically retry. Update your payment method to resolve.
Can I pause my subscription? Not currently. You can cancel and resubscribe when ready.
Do you offer discounts for non-profits or students? Contact support@optionomics.ai to discuss educational or non-profit pricing.
How do I change my billing address? Update it in the Stripe Billing Portal accessible from your subscription page.
Note: All billing and payment processing is managed through Stripe. Optionomics does not store or have access to your full payment card details.
