What payment methods are supported?

Overview

GRYYD supports multiple secure payment methods to accommodate global customers—from major credit cards to digital payment platforms like PayPal. All transactions are processed through PCI DSS-compliant payment gateways with 256-bit SSL encryption, ensuring your financial data is never stored on our servers. This FAQ covers accepted payment methods, security features, billing cycles, and invoice management.

Accepted Payment Methods

Credit & Debit Cards:

• Visa - All regions
• Mastercard - All regions
• American Express - US, Canada, UK, EU
• Discover (US only) - Available for US-based customers

All cards must support recurring billing for subscription payments. Prepaid cards may not work for subscriptions but can be used for one-time credit purchases.

Digital Payment Platforms:

• PayPal - Preferred for international customers without credit cards
• Apple Pay - Available on Safari/iOS devices
• Google Pay - Available on Chrome/Android devices

Bank Transfers (Regional):

• SEPA Direct Debit - EU customers only
• ACH Transfer - US customers (business accounts only)

Note: Bank transfers require 3-5 business days for processing before subscription activation. Credit card payments activate instantly.

Payment Security

Industry-Standard Protection:

• PCI DSS Level 1 Compliance - Highest security certification for payment processors
• 256-bit SSL/TLS Encryption - All data encrypted during transmission
• Zero Card Storage - GRYYD does not store full card numbers (only last 4 digits for reference)
• Tokenization - Card data converted to secure tokens via Stripe/PayPal

Fraud Prevention:

• 3D Secure authentication (Verified by Visa, Mastercard SecureCode) for high-risk transactions
• Real-time fraud detection algorithms flag suspicious activity
• IP address verification matches billing address location
• Email confirmation required for unusual payment amounts

Your Responsibilities:

• Use strong passwords (minimum 10 characters with uppercase and special characters)
• Never share payment details via email or chat
• Report suspicious charges to support immediately
• Review billing history monthly in Settings > Billing

Billing Cycles & Automation

Monthly Subscriptions:

• Billing Date: Same day each month as initial subscription (e.g., subscribed on Jan 15 → billed on 15th monthly)
• Automatic Renewal: Card charged automatically at start of each billing period
• Grace Period: 3-day grace period if payment fails (retry attempts on days 1, 2, 3)
• Service Suspension: Account paused after 3 failed payment attempts (reactivate by updating payment method)

Annual Subscriptions:

• Available for Pro and Max plans (17% discount vs. monthly)
• Billing Date: Charged once per year on subscription anniversary
• Automatic Renewal: Card charged automatically each year
• Same grace period and payment failure process as monthly subscriptions

Payment Failure Notifications:

1. Day 0 (failure): Immediate email with "Payment Failed" alert
2. Day 1: Retry attempt + reminder email
3. Day 2: Second retry + "Final Notice" email
4. Day 3: Third retry + account suspension notice
5. Day 4: Service suspended, must update payment method to reactivate

Update Payment Method:

1. Go to Settings > Billing (/settings/billing)
2. Click "Update Payment Method"
3. Enter new card details (secure Stripe checkout form)
4. Confirm and save—next billing uses new method

Invoices & Receipts

Automatic Email Receipts:

• Sent within 1 hour after successful payment to registered email address
• Includes: Invoice number, billing date, amount, payment method (last 4 digits), itemized charges
• Subject line: "GRYYD Invoice #12345 - [Plan Name] Subscription"

Download Invoices:

• Access all invoices in Settings > Billing > Invoice History
• Filter by date range (last 30 days, 6 months, 1 year, all time)
• Download as PDF (one-click download button)
• Invoices include VAT/GST tax details (if applicable in your region)

Business Tax Information:

• Add company name and VAT/Tax ID in Settings > Billing > Business Info
• Tax details automatically included on future invoices
• Retroactive tax updates not available (download and manually edit old invoices if needed)

Receipt Retention:

• GRYYD retains invoice history for 7 years (accounting compliance)
• Invoices remain accessible even after account cancellation or deletion

Regional Payment Considerations

EU Customers:

• VAT automatically calculated based on billing address country
• SEPA Direct Debit available (3-5 day processing time)
• Invoices include VAT breakdown per EU regulations

US Customers:

• Sales tax applied in states where GRYYD has nexus (CA, NY, TX, WA)
• ACH transfers available for business accounts (contact gryyd@metric-studio.com)

International Customers:

• All prices in USD—your bank converts to local currency
• Foreign transaction fees may apply (check with your card issuer)
• PayPal often offers better exchange rates than credit cards for non-US customers

Pro Tip: For businesses requiring custom invoicing (PO numbers, NET-30 payment terms, wire transfers), contact gryyd@metric-studio.com for Enterprise plan options. Enterprise accounts include dedicated account managers and flexible payment terms.

See also: Pricing Plans | Plan Changes | Refund Policy | Subscription Management