Managing Payment Methods

Managing Your Payment Methods

Koji uses Stripe to securely handle all payments. You can update your card, view invoices, and manage billing settings through the Stripe billing portal — accessible directly from your Koji account.

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Updating Your Credit Card

Steps to Update Your Card

1. Go to Account Settings → Billing
2. Click Manage Billing to open the Stripe billing portal
3. Under Payment method, click Update
4. Enter your new card details
5. Save — your new card is used for all future charges

When to Update Your Card

• Before your current card expires
• After receiving a failed payment notification
• When switching to a corporate card or different payment method

Supported Payment Methods

Stripe supports most major payment methods:

• Visa, Mastercard, American Express
• Other card networks supported by Stripe in your region
• Some regions may support additional methods (bank transfers, etc.)

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Viewing and Downloading Invoices

Accessing Your Invoices

1. Go to Account Settings → Billing
2. Click Manage Billing to open the Stripe portal
3. Navigate to the Invoices or Billing history section
4. View any past invoice with a detailed breakdown

What's on Your Invoice

Each invoice includes:

Downloading Invoices

• Click on any invoice in the Stripe portal to view the full PDF
• Download invoices for expense reporting or accounting purposes
• All invoices are retained indefinitely in your Stripe billing history

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Tax and VAT Invoicing

For Business Accounts

If you need VAT-compliant invoices for your business:

1. Open the Stripe billing portal from Account Settings → Billing
2. Add your Tax ID (VAT number, GST number, etc.)
3. Update your billing address with your business address
4. Future invoices will include your tax ID and business details

Supported Tax IDs

Stripe supports tax IDs from most countries, including:

• EU VAT numbers
• UK VAT numbers
• US EIN
• Australian ABN/GST
• And many more regional tax identifiers

VAT for EU Customers

• EU business customers with a valid VAT number may be eligible for reverse charge (0% VAT)
• Individual EU customers are charged VAT based on their country of residence
• Tax is calculated and applied automatically by Stripe

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Billing Currency

All Koji plans are priced in EUR (€). If your card is denominated in a different currency:

• Your bank will apply a currency conversion at the time of charge
• Conversion rates and fees are set by your bank, not by Koji
• The EUR amount on your invoice is the definitive charge

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Handling Failed Payments

If a payment fails:

1. Stripe automatically retries the charge over the next few days
2. You'll receive an email notification about the failed payment
3. Update your payment method via the Stripe billing portal
4. Once updated, Stripe retries the charge automatically
5. Your subscription remains active during the retry period

Preventing Failed Payments

• Keep your card details up to date
• Ensure sufficient funds or credit limit for your plan + potential overage
• Add a backup payment method if available in your region

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Stripe Billing Portal

The Stripe billing portal is your central hub for all payment management. Access it from Account Settings → Billing → Manage Billing.

From the portal, you can:

• ✅ Update or change payment methods
• ✅ View and download all invoices
• ✅ Add tax IDs for business invoicing
• ✅ Update billing address
• ✅ View current subscription details
• ✅ Change or cancel your plan
• ✅ View upcoming invoice preview

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Payment Security

Your payment information is handled exclusively by Stripe:

• PCI DSS Level 1 — the highest level of payment security certification
• 256-bit SSL encryption — all data encrypted in transit
• 3D Secure — additional authentication supported for compatible banks
• Koji never sees your card number — all sensitive payment data stays within Stripe's secure infrastructure