1. Overview & Billing Model
Raff Technologies operates on a pay-as-you-go model with monthly billing cycles. You're only charged for the resources you actually use during each billing period.
What you can monitor in your Billing Overview:
Current Balance: Your available prepaid credits
Usage So Far: Current month's consumption with tax information
Projected Balance: What your balance will be at month-end
Usage Progress: Visual progress bar showing how far through the billing cycle you are
Billing Status: Clear message about balance sufficiency and next billing cycle end date
Usage Details: Service-by-service breakdown (VM, storage, etc.) with costs and percentages
2. Payment Modes
Our system automatically determines whether your account operates in Automatic or Manual payment mode based on your primary payment method's capabilities.
Automatic Mode
✅ System charges automatically at the end of each billing cycle
✅ No action required from you
Automatically detected for:
Non-3DS credit/debit cards
Google Pay and Apple Pay
All wallet-based payments
Manual Mode
⚠️ You are responsible for making payments before balance runs out
⚠️ Requires monitoring your account balance
Automatically detected for:
3DS-enabled cards (requiring authentication for every transaction)
Indian cards requiring eMandate authorization
ACH and Wire Transfer payments
7-Day Warning System
For manual mode accounts, we monitor your balance daily. When your current balance will run out within 7 days (based on usage patterns), you'll receive daily email notifications reminding you to add funds.
Important: Payment mode is determined by your primary payment method. You can change your payment mode by updating your primary payment method in the Payment Methods tab of your Billing section.
3. Payment Methods
Accepted Payment Types
We accept all major payment methods:
Cards (All Types)
Credit cards (Visa, Mastercard, American Express)
Debit cards
Prepaid cards
Cards with or without 3D Secure authentication
Digital Wallets
Google Pay (always automatic mode)
Apple Pay (always automatic mode)
Bank Transfers (for eligible customers)
ACH transfers
Wire transfers
Payment Method Validation
When you add a new card or wallet payment method, we perform a $1 validation charge to verify the payment method is active and valid. This charge is immediately refunded after successful validation. This process ensures your payment method will work when needed for actual billing.
Managing Payment Methods
Access the Payment Methods tab in your Billing section to:
Add new payment methods (cards, Google Pay, Apple Pay, ACH/Wire)
Set your primary payment method - this determines whether you're in automatic or manual payment mode
View and manage secondary payment methods
Remove unused payment methods
Changing Your Payment Mode: To switch between automatic and manual payment modes, change your primary payment method in the Payment Methods tab. The system will automatically detect the new payment mode based on your new primary method.
Make Payment
Use the prominent Make Payment button (available on all billing pages) to:
Add funds when you receive 7-day warnings (manual mode)
Top up your balance before it runs out
Make one-time payments to cover usage
Add prepaid credits for future usage
Note: Your primary payment method cannot be deleted while your account is active. To remove all payment information, you must close your account.
4. Adding Funds & Making Payments
Prepaid Credits
Add funds to your account anytime through the Billing section. Think of this as prepaid credits that will be applied first to cover your monthly charges.
Make Payment Section
For manual mode users, use the dedicated Make Payment section to:
Add funds when you receive 7-day warnings
Top up your balance before it runs out
Make one-time payments to cover usage
Automatic Payments
If you're in automatic mode, payments are processed automatically at the end of each billing cycle. No action needed from you.
5. Billing Cycle & Usage Tracking
Monthly Billing Cycle
Cycle period: 1st to last day of each month (UTC timezone)
Usage tracking: Real-time monitoring available in Overview tab
Billing calculation: Performed at month-end
Billing Overview Dashboard
Your main billing dashboard provides real-time insights:
Key Metrics
Current Balance: Available prepaid credits
Usage So Far: Current month's consumption with tax breakdown
Projected Balance: Estimated balance at month-end based on usage patterns
Visual Indicators
Usage Progress: Progress bar showing billing cycle completion percentage
Billing Status: Clear messaging about balance sufficiency and next billing date
Service Breakdown
Detailed usage by service type (VMs, storage, bandwidth, etc.)
Cost per service with percentage of total usage
Real-time tax calculations and subtotals
6. Payment Processing & Tax Calculation
End-of-Month Process
Calculate total usage charges for the month
Apply applicable taxes based on your billing address and Tax ID
Apply prepaid credits first to cover total amount due
Charge primary payment method for any remaining balance (automatic mode only)
Generate invoice after successful payment
Tax Calculation
Taxes (VAT, GST, Sales Tax) are calculated based on:
Billing address you provide in your account
Tax ID (if provided) for potential exemptions or reverse charge applications
Your responsibility: Maintain accurate billing address and valid Tax ID information for correct tax calculation.
7. Alternative Payment Methods
ACH & Wire Transfer Eligibility
Certain customers may qualify for ACH or Wire Transfer payments. Contact support to inquire about eligibility.
Approved Transfer Process
If approved for bank transfers:
Your account will be set to manual mode
Monitor your usage and estimated charges
Transfer funds to our designated bank account before month-end
Include sufficient funds to cover usage + estimated taxes
System reconciles payment at billing cycle end
Important: Insufficient or late transfers are treated as failed payments.
8. Automated Warnings & Notifications
Email Notifications
You'll receive email notifications for:
7-day balance warnings (manual mode accounts)
Payment confirmations
Invoice generation
Failed payment alerts
Balance Monitoring
Our system continuously monitors account balances and sends proactive alerts to prevent service interruptions.
9. History & Records
Available Reports
Access comprehensive billing history through the navigation tabs:
Overview Tab (Main Dashboard)
Real-time current balance and usage
Projected end-of-month balance
Usage progress indicator and billing status
Service breakdown with costs and tax calculations
Payment Methods Tab
Manage all payment methods (cards, wallets, bank transfers)
Set primary payment method (determines auto/manual mode)
Add new payment methods
View payment method status
History Tab
Payment Log: Transaction history with IDs, payment methods used, success/failure status, download receipts
Invoice Log: Download official invoices with tax itemization and payment confirmations
Usage History: Historical usage data with product details for each month, cost breakdowns by service
Settings Tab
Update billing address and contact information
Manage Tax ID information and validation status
Configure notification preferences
10. Failed Payments & Account Status
Payment Failure Consequences
Immediate: New service creation restricted upon payment failure
15 Days Past Due: Account suspended - existing resources may be stopped or become inaccessible
30 Days Past Due: Account and all data permanently deleted (irreversible)
Common Failure Reasons
Expired or invalid card
Insufficient funds
Card issuer decline
Transfer delays (ACH/Wire)
Prevention: Keep payment information current and ensure sufficient account balance or card limits.
11. Billing Information & Tax Settings
Billing Address Management
Maintain accurate billing information including:
Complete street address
City, state/province, postal code
Country
Tax identification number (if applicable)
Tax ID Validation
Enter your Tax ID for potential tax exemptions
System validates Tax IDs at end of each billing period
Validation status affects tax calculations (reverse charge, exemptions)
If Tax ID changes, validation status resets
Current tax rate displayed based on your billing location and Tax ID status.
12. Account Management
Settings Tab
Configure your billing preferences:
Update billing address
Manage Tax ID information
Set notification preferences
View current tax rates
Account Closure
To permanently delete your account:
Go to Profile section in dashboard
Select account deletion option
Warning: Account deletion is permanent and will:
Terminate all active resources
Delete all data (VMs, storage, backups)
Remove payment information from our systems
13. Security & Compliance
Payment Security
PCI-compliant third-party payment processor
No card storage on Raff Technologies servers
Secure encryption for all payment data
Industry-standard security practices
14. Getting Support
Contact Information
For billing questions, payment issues, or tax inquiries:
Contact Raff Technologies support through official channels
Include your account email and transaction IDs when relevant
Support available for payment method eligibility questions
Self-Service Options
Most billing tasks can be completed through your dashboard:
View real-time usage and costs
Update payment methods and billing information
Download invoices and receipts
Monitor account balance and payment history
This document covers the complete billing process for Raff Technologies services. For the most current information, always refer to your account dashboard and official communications.