> ## Documentation Index
> Fetch the complete documentation index at: https://help.palsplan.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing & subscriptions

> View your plan, manage payment methods, upgrade or downgrade, and handle refunds for your Pals Club subscription

Pals Club offers free and premium plans. This page explains how to view and
manage everything related to billing and subscriptions.

<Info>
  All payments are securely processed by **\[BILLING\_PROVIDER]**. Pals Club does
  not store your full card number or banking details — all sensitive payment data
  is handled by \[BILLING\_PROVIDER] in accordance with PCI-DSS standards.
</Info>

## View current plan

<Steps>
  <Step title="Open billing settings">
    Click your avatar in the top-right corner and select **Account Settings →
    Billing**.
  </Step>

  <Step title="Review your plan details">
    The **Current Plan** section shows your plan name, billing cycle (monthly or
    annual), next renewal date, and price.
  </Step>
</Steps>

## Upgrade or downgrade

<Steps>
  <Step title="Go to the Plans page">
    From **Account Settings → Billing**, click **Change Plan**.
  </Step>

  <Step title="Choose a new plan">
    Compare available plans and select the one that fits your needs. Premium
    features include \[PREMIUM\_FEATURE\_LIST].
  </Step>

  <Step title="Confirm the change">
    Review the prorated amount (if applicable) and click **Confirm**. Your new
    plan takes effect immediately.
  </Step>
</Steps>

<Tip>
  Switching from monthly to annual billing can save you up to
  \[ANNUAL\_DISCOUNT]% — look for the toggle on the Plans page.
</Tip>

## Update payment method

<Steps>
  <Step title="Navigate to Payment Methods">
    Go to **Account Settings → Billing → Payment Methods**.
  </Step>

  <Step title="Add or replace a card">
    Click **Add Payment Method**, enter your new card details, and click
    **Save**. To remove an old card, click the **⋯** menu next to it and select
    **Remove**.
  </Step>
</Steps>

<Info>
  Pals Club accepts Visa, Mastercard, American Express, and select regional
  payment methods. For questions about accepted methods, contact
  \[CONTACT\_EMAIL].
</Info>

## Cancel subscription

<Steps>
  <Step title="Open Billing settings">
    Go to **Account Settings → Billing**.
  </Step>

  <Step title="Click Cancel Subscription">
    You will be asked to confirm. Once cancelled, you retain premium access until
    the end of your current billing period.
  </Step>
</Steps>

<Warning>
  After the billing period ends, your account reverts to the free plan and you
  will lose access to premium features. Any data exceeding free-plan limits may
  become read-only.
</Warning>

## Request a refund

If you believe you were charged in error or are otherwise eligible for a refund,
follow these steps:

<Steps>
  <Step title="Gather your billing details">
    Note the charge date, amount, and the last four digits of the payment method
    used.
  </Step>

  <Step title="Submit a refund request">
    Go to [Contact Support](/contact-support/contact) and select **Billing
    Issue** as the category, or use our
    [refund request template](/contact-support/templates).
  </Step>

  <Step title="Wait for review">
    Refund requests are typically reviewed within \[REFUND\_SLA] business days.
    You will receive an email at your registered address with the outcome.
  </Step>
</Steps>

## Frequently asked questions

<AccordionGroup>
  <Accordion icon="calendar" title="When am I billed?">
    You are billed at the start of each billing cycle — either monthly on the
    date you first subscribed, or annually on your subscription anniversary.
  </Accordion>

  <Accordion icon="receipt" title="Where can I find my invoices?">
    Invoices are available under **Account Settings → Billing → Invoices**. You
    can download them as PDF for your records.
  </Accordion>

  <Accordion icon="rotate-left" title="Can I get a prorated refund if I downgrade?">
    Yes. When you downgrade mid-cycle, the unused portion of your current plan is
    applied as credit toward your next billing period.
  </Accordion>

  <Accordion icon="gift" title="Do you offer discounts or promotions?">
    Pals Club occasionally offers promotional pricing. Check
    \[PROMOTIONS\_URL] or follow us on social media for announcements.
  </Accordion>

  <Accordion icon="circle-question" title="What happens if my payment fails?">
    If a payment fails, we retry up to \[RETRY\_COUNT] times over
    \[RETRY\_WINDOW] days. You will receive email notifications before your
    account is downgraded to the free plan.
  </Accordion>
</AccordionGroup>

## Related pages

<CardGroup cols={2}>
  <Card title="Manage your account" icon="user-gear" href="/account-billing/manage-account">
    Update your profile, change your password, or deactivate your account.
  </Card>

  <Card title="Support templates" icon="file-lines" href="/contact-support/templates">
    Pre-filled templates for common requests, including refund appeals.
  </Card>

  <Card title="Contact support" icon="headset" href="/contact-support/contact">
    Reach our support team for billing questions or disputes.
  </Card>
</CardGroup>