Payment methods

thola supports payment via Razorpay and Cashfree, with Cashfree as the default. Underneath those gateways, you can pay with:

Adding a payment method

When you first upgrade from Free, you're walked through adding a payment method. To add another later:

1. Profile → Plan → Payment methods
2. Click Add method
3. Choose card / UPI / bank
4. Complete the gateway flow (no card details touch thola servers — they go directly to Cashfree/Razorpay)

You can have multiple methods on file. Pick a default for auto-renewal.

Changing your default method

To change the method used for monthly auto-renewal:

1. Profile → Plan → Payment methods
2. Click the Star on the new default
3. The old default is demoted to secondary (still on file, not used for charges unless picked manually)

Removing a method

1. Profile → Plan → Payment methods
2. Click Remove on the method
3. Confirm

If the method you're removing is the default, you must promote another to default first.

How auto-renewal works

For monthly plans:

• On the 1st of the month, thola charges your default method for the plan
• If the charge succeeds, the new month's tokens are credited at midnight
• If the charge fails, you get an email + WhatsApp ping. You have 3 days to update the method before the workspace falls back to Free-tier limits

We try the charge three times over 72 hours before treating it as a real failure. Common failure causes:

• Card expired → update the card
• Bank limit exceeded → call your bank, then retry
• 3DS / OTP challenge timed out → manually pay through the email link

For annual plans, the charge runs on the anniversary of your initial purchase.

Bank transfer (Pro / Enterprise)

For Pro and Enterprise, you can request bank transfer instead of card.

• Invoices are issued on the 1st of each month (or the 1st of each quarter for annual)
• Payment terms: net-15 for Pro, net-30 for Enterprise (negotiable)
• We accept NEFT/RTGS to a designated INR account; USD wires to our partner bank

To switch to bank transfer:

1. Profile → Plan → Payment methods → Request invoicing
2. Fill in your billing entity details, GSTIN, address
3. We'll review and confirm within 2 business days

Invoicing & GST

Every charge generates an invoice automatically. Find them at Profile → Plan → Invoices.

For Indian workspaces:

• GSTIN goes on every invoice if you've recorded it
• Place of supply is set from your billing address
• GST is shown line-itemed (CGST + SGST or IGST)

You can download invoices as PDF. Bulk download is on the Export tab — get a year's worth in one click for your accountant.

Refunds

See Plans → Refunds for the policy. Refunds go back to the original payment method. You cannot redirect a refund to a different card or bank.

Receipt notifications

Every successful charge sends an email receipt. You can also turn on WhatsApp receipts under Profile → Notifications → Billing — useful if your accountant lives in WhatsApp.

Common questions

Can I pay annually with UPI? Yes, but most banks cap UPI transactions at ₹1 lakh / day, so for some Pro/Enterprise customers you'll need a card or bank transfer.

Can I pay for someone else's workspace? Yes — there's a gift / sponsor option on the upgrade screen. Pick the workspace, the plan, and pay. The recipient gets a notification and the plan activates immediately.

My payment is in a different currency than my workspace. Your bank will convert. The conversion happens at your bank's rate, not ours — we charge in your workspace's billing currency.

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