Payment Policy

This Payment Policy explains how billing works on Infinex AI: which provider processes your payments, how subscriptions and top-ups are charged, when refunds are available, and how taxes are handled.

1. Payment processor

Our active payment processor is Polar.sh, acting as the Merchant of Record (MoR) for the transaction. This means:

• Polar collects the payment from your card or other instrument.
• Polar is the legal seller of record for the transaction (the name that appears on your card statement is Polar, not Infinex AI).
• Polar handles VAT, GST, and sales-tax compliance globally on our behalf.
• Card details never reach Infinex AI's servers. We only receive a customer identifier and the success/failure status of each charge.

2. Subscription plans

We offer three monthly subscription tiers and four one-time credit top-up packs. All prices are in USD.

• Starter - $19/month · 2,000 credits/month
• Pro - $49/month · 6,000 credits/month
• Business - $149/month · 20,000 credits/month

Top-up packs (one-time purchase, persist until used):

• $10 · 1,000 credits
• $25 · 2,750 credits (10% bonus)
• $50 · 5,750 credits (15% bonus)
• $100 · 12,500 credits (25% bonus)

See the full live catalog and credit pricing on the pricing page.

3. Billing cycle

• Subscriptions are billed monthly, on the calendar day of your first purchase (e.g. if you subscribed on June 15, you are charged again every 15th).
• Credits refill at each successful renewal. Unused subscription credits do not roll over to the next month.
• If you upgrade or downgrade mid-cycle, the change takes effect at the next renewal. Polar handles proration when applicable.

4. Canceling your subscription

• You can cancel anytime from your account page → "Manage subscription" (opens the Polar customer portal).
• Cancellation takes effect at the end of your current billing period. You keep access - and your monthly credits - until that date.
• No cancellation fees. No questions asked.
• After cancellation you can re-subscribe at any time.

5. Refunds

Subscriptions:

• First-time subscription purchases are refundable within 7 days of the initial charge if you haven't used the credits. Email support@infinexai.io with your account email and order ID.
• Recurring monthly renewals are not refundable. Cancel before the renewal date to avoid the next charge.
• If you encountered a billing error (charged twice, charged for a plan you didn't order), we issue a full refund regardless of the 7-day window.

Top-ups:

• Top-up credit packs are non-refundable once any of the purchased credits have been spent.
• Unused top-up packs can be refunded within 7 days of purchase by emailing support.

Service-outage refunds:

• If a generation job fails because of an outage in one of our third-party providers (Anthropic, HeyGen, fal.ai, Cloudinary), the credits consumed by that job are automatically refunded to your balance. You do not need to contact support for this.

6. Failed payments

• If a renewal charge fails, your subscription enters a past_due state for up to 7 days while Polar retries the payment.
• During the past_due period, you can still spend credits already in your balance but cannot generate new content that would require more credits than you currently have.
• If payment is not recovered within Polar's retry window, your subscription is canceled and any remaining month-of-month credit balance is cleared. Top-up credits persist.
• You can update your card at any time via the customer portal to resume service.

7. Taxes (VAT / sales tax)

• Prices listed on the pricing page do not include VAT or local sales tax.
• Polar, as Merchant of Record, calculates and adds any applicable tax at checkout based on your billing country.
• You will see the tax amount on the Polar checkout page before confirming, and on the invoice Polar emails you after each charge.
• If you are a VAT-registered EU business, you can enter your VAT number during checkout to receive a reverse-charge invoice.

8. Invoices and receipts

Polar sends an invoice via email after each successful charge (initial purchase and every monthly renewal). You can re-download past invoices from the Polar customer portal, accessible via the Manage subscription button on your account page.

9. Disputes and chargebacks

• If something looks wrong on your bill, email support@infinexai.io first. We resolve most disputes within 1–2 business days.
• Filing a chargeback through your bank before contacting us may result in the account being suspended pending resolution.

10. Changes to pricing

We may change the pricing of subscription plans or top-up packs with at least 30 days' notice to existing subscribers. Notice will be given via in-app notification and to the email address on your account. New prices apply at your next renewal - your current cycle is not affected. You can cancel any time before the new price takes effect.

11. Contact

Billing or refund question? Email support@infinexai.io with your account email and the relevant order ID.