Stripe Integration

Mesrai uses Stripe for secure payment processing and subscription management.

Overview

All billing and payments are handled through Stripe, providing:

• Secure Payments: PCI-compliant payment processing
• Multiple Payment Methods: Cards, ACH, wire transfer
• Automatic Billing: Recurring subscription charges
• Invoice Management: Downloadable receipts and invoices
• Tax Calculation: Automatic tax computation

Payment Methods

Credit/Debit Cards

Accepted cards:

• ✅ Visa
• ✅ Mastercard
• ✅ American Express
• ✅ Discover
• ✅ Diners Club
• ✅ JCB

ACH Direct Debit (US Only)

For Enterprise plans:

• Lower processing fees
• Bank account verification required
• 3-5 business day processing

Wire Transfer

For annual Enterprise contracts:

• Manual invoice payment
• Contact sales@mesrai.com

Subscription Plans

Monthly Billing

Standard subscription tiers:

Annual Billing

Save 20% with annual payment:

View all plans →

Managing Your Subscription

View Current Plan

Check your plan in the Billing Dashboard:

1. Go to Settings → Billing
2. View current plan, usage, and next billing date

Upgrade Plan

Upgrade anytime:

1. Go to Settings → Billing → Upgrade
2. Select new plan
3. Confirm payment details
4. Changes apply immediately

Prorated Billing: You only pay the difference for the current period.

Downgrade Plan

Downgrade at period end:

1. Go to Settings → Billing → Change Plan
2. Select lower tier
3. Confirm downgrade
4. Takes effect at next billing cycle

Note: Usage over new plan limits is billed as overage.

Cancel Subscription

Cancel anytime:

1. Go to Settings → Billing → Cancel
2. Provide feedback (optional)
3. Confirm cancellation
4. Access continues until period end

Invoice Management

Download Invoices

Access all past invoices:

1. Go to Settings → Billing → Invoices
2. Click Download for any invoice
3. Invoices are PDF format

Email Notifications

Automatic emails sent for:

• New invoices (start of billing cycle)
• Payment successful
• Payment failed
• Upcoming renewal (7 days prior)

Custom Billing Details

Add company information to invoices:

Settings → Billing → Company Info
- Company Name
- Business Address
- Tax ID / VAT Number
- Purchase Order Number

Payment Processing

Billing Cycle

Charges occur on the same day each month:

• Monthly: Charged on signup date each month
• Annual: Charged once per year

Example: Signed up Jan 15 → Billed on 15th of each month

Payment Timing

• Charge Attempt: First day of billing cycle
• Retry Schedule (if failed):
  • Day 1: Immediate retry
  • Day 3: Second attempt
  • Day 7: Final attempt
  • Day 14: Service suspension

Payment Failures

If payment fails:

1. Email Notification: Immediate alert sent
2. Update Payment: 14 days to resolve
3. Service Degradation: Reviews paused after 7 days
4. Account Suspension: After 14 days

Update payment method:

Settings → Billing → Payment Method → Update Card

Overage Charges

How Overages Work

Exceeding plan limits incurs additional charges:

Example Overage:

Plan: Pro (2M tokens)
Used: 2.5M tokens
Overage: 500K tokens
Charge: 500,000 × $0.00008 = $40
Total Bill: $149 + $40 = $189

Overage Alerts

Get notified when approaching limits:

Settings → Billing → Overage Alerts
- 50% threshold: Email
- 80% threshold: Email + Dashboard
- 90% threshold: Email + SMS
- 100% reached: All channels

Overage Protection

Prevent unexpected charges:

Settings → Billing → Overage Protection
- Soft Cap: Warn at 100%, continue service
- Hard Cap: Stop reviews at 100%

Tax & Compliance

Sales Tax

Mesrai collects sales tax where required:

• US: State and local sales tax
• EU: VAT (Value Added Tax)
• UK: VAT at 20%
• Other: As per local regulations

Tax Exemption

For tax-exempt organizations:

1. Email billing@mesrai.com
2. Provide tax exemption certificate
3. Processing takes 2-3 business days

VAT/GST

EU businesses can provide VAT number:

Settings → Billing → Company Info → VAT Number

Valid VAT number = reverse charge (no VAT charged).

Enterprise Billing

Custom Contracts

Enterprise plans offer:

• Custom Pricing: Volume discounts
• Annual Commitments: 1-3 year terms
• Flexible Payment: Net-30/60/90 terms
• Purchase Orders: PO-based billing
• Multi-Entity: Consolidated billing

Contact sales@mesrai.com

Usage-Based Pricing

For high-volume customers:

Base Fee: $2,000/month
Token Usage: $0.00005/token
Minimum Commitment: $5,000/month

Multi-Seat Licensing

Per-seat pricing for large teams:

10-25 users: $99/user/month
26-100 users: $79/user/month
100+ users: Custom pricing

Security

PCI Compliance

• Level 1 PCI DSS: Highest security standard
• Tokenization: Card details never stored
• Encrypted: All payment data encrypted

Data Privacy

• No Card Storage: Mesrai never sees card numbers
• Stripe Vault: All data in Stripe’s secure vault
• Zero Knowledge: Payment details not accessible

Fraud Protection

• Stripe Radar: AI-powered fraud detection
• 3D Secure: Additional authentication when needed
• Dispute Management: Automated chargeback handling

Webhooks

Stripe webhooks notify Mesrai of payment events:

stripe.invoice.payment_succeeded
stripe.invoice.payment_failed
stripe.customer.subscription.created
stripe.customer.subscription.deleted
stripe.customer.subscription.updated

API Access

Manage billing programmatically:

# Get current subscription
curl -H "Authorization: Bearer $TOKEN" \
  https://api.mesrai.com/v1/billing/subscription
 
# Update payment method
curl -X POST \
  -H "Authorization: Bearer $TOKEN" \
  -d "payment_method_id=pm_xxx" \
  https://api.mesrai.com/v1/billing/payment-method

Refund Policy

Standard Refunds

• Trial Period: Full refund within 14 days
• Service Issues: Prorated refund for downtime
• Cancellation: No refund for unused time

Request Refund

Contact billing@mesrai.com:

1. Include account email
2. Reason for refund
3. Invoice number
4. Response within 1 business day

Troubleshooting

Card Declined

Reasons:

• Insufficient funds
• Expired card
• Billing address mismatch
• Bank fraud protection

Solutions:

1. Contact your bank
2. Try different card
3. Use ACH or wire transfer

Missing Invoices

Check Stripe email:

1. Invoices sent to registered email
2. Check spam/promotions folder
3. Add billing@mesrai.com to contacts

Incorrect Charges

Report billing issues:

1. Email billing@mesrai.com
2. Include invoice number and details
3. Response within 24 hours

FAQs

Q: When am I charged? A: On signup date each month (monthly) or year (annual)

Q: Can I switch between monthly and annual? A: Yes, changes apply at next billing cycle

Q: What happens if I cancel? A: Service continues until period end, no refund

Q: Are there setup fees? A: No setup fees for any plan

Q: Can I change payment method? A: Yes, anytime in Settings → Billing

Q: Do you store my credit card? A: No, Stripe stores all payment data securely

Next Steps

• View Subscription Plans
• Manage Billing
• Contact Sales
• Read Privacy Policy