# Billing

How to access on Fynd Commerce
Commerce Panel → Company → Settings → Billing

## Introduction

Fynd Commerce uses a **prepaid billing model**. Subscription fees are due at the beginning of each 30-day billing cycle, meaning you pay upfront before using platform services for the upcoming period.

### Payment Grace Period and Account Freeze Policy

If a subscription payment is missed, the following timeline applies:

- **Days 1–7 (Grace Period):** Your account remains fully active. For example, if your payment was due on May 31, you have until June 6 to pay without any service disruption.
- **Days 8–14 (Partial Freeze):** If the payment is still outstanding, your account is partially frozen. The following services become inaccessible: platform services (Team, Products, and Extensions) and sales channel services (Analytics, Customers, Abandoned Checkouts, Marketing, and Communication).
- **Day 15 (Full Block):** If the subscription remains unpaid, your Fynd Commerce panel is blocked with immediate effect (e.g., on June 14 in the example above).


### Extension Billing

If you install an extension mid-cycle, its charges are applied in the **next billing cycle**. For example, a monthly recurring extension installed on May 20 will be billed on May 31 and remain accessible through June 19.

Navigate to **Company → Settings → Billing** in your Commerce Panel to access the Billing dashboard.

![Billing Dashboard](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/Screenshot_2025-06-27_at_10.58.03%C3%A2%C2%80%C2%AFAM.png)

center
em
Figure 1: Billing Dashboard
br
## E-Mandate

### What is an E-Mandate?

In accordance with Reserve Bank of India (RBI) guidelines, an e-mandate is an electronic authorisation that allows Fynd Commerce to automatically debit your saved card for recurring subscription payments — without requiring manual approval for each transaction.

When you accept the e-mandate, you authorise Fynd to debit any subscription amount that falls below the e-mandate limit. The e-mandate amount itself is never charged; only the actual subscription payable amount is debited from your saved card.

### How the E-Mandate Amount is Calculated

The e-mandate amount is set at **2.5× the subscription payable amount**, rounded up to the nearest ₹100.

**Example:** If your subscription payable amount is ₹2,499:

> E-Mandate Amount = 2.5 × ₹2,499 = ₹6,247.50 → rounded to **₹6,300**


### E-Mandate Verification Scenarios

#### 1. Subscription and Trial Plan Changes

- **Trial to paid plan:** Before activating a paid subscription, the system verifies that the e-mandate on your saved card covers the payable amount (i.e., 2.5× the subscription cost is within the cap).
- **Plan upgrade:** When upgrading between standard plans, the system recalculates the e-mandate as 1.5× the new subscription amount and verifies your card accordingly.
- **Discounted upgrade:** If a flat or percentage discount applies, the e-mandate is recalculated based on the discounted amount.


#### 2. Extensions and Multi-Plan Subscriptions

- **Adding an extension (trial/free plan):** The system checks whether the e-mandate on your saved card is sufficient to cover the extension cost.
- **Multiple plans and extensions:** When subscribing to multiple ordering channel plans and extensions simultaneously, the total payable is multiplied by 1.5 to determine the required e-mandate, and your card is verified accordingly.


#### 3. E-Mandate Cap

- If the calculated e-mandate exceeds **₹15,000**, it is automatically capped at ₹15,000 to prevent excessive pre-authorisation.
- This cap applies across all subscription types, including multiple extensions, ordering channels, and non-eCommerce channels.


#### 4. Card and Payment Management

- **Adding a new card:** The e-mandate does not update until the new card is set as the default. Once set, the system verifies and applies the e-mandate to that card.
- **Payment failure:** If a payment fails, the system triggers an e-mandate check. If the saved card cannot cover the payable amount, you will need to update or replace the card.


#### 5. Custom Plans and Downgrades

- **Custom plan upgrade:** The system calculates and verifies a new e-mandate based on the upgraded plan amount.
- **Plan downgrade:** The system checks whether the lower plan amount is within the previously approved e-mandate. If not, a reduced e-mandate value is applied.
- **New card on trial plan:** Adding a card while on a trial plan immediately triggers an e-mandate calculation to prevent future payment disruptions.


### How to Accept the E-Mandate

1. Click **Set Up**.
2. Tick the checkbox to accept the e-mandate.
3. Click **Save Card**.


![Clicking Set Card Button](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/e-mandate/clicking-save-card-button.png)

center
em
Figure 2: Clicking Set Card Button
br
## Credit Notes

A **Credit Note (CN)** is issued when you have prepaid for a plan but switch to a different plan before the billing cycle ends. The unused portion of your payment is credited back and can be applied toward your new plan's cost.

### Example

Suppose you are on a 30-day billing cycle and switch plans on Day 11:

| Plan | Billing Cycle | Plan Cost (incl. GST) | Days Used | Amount (₹) |
|  --- | --- | --- | --- | --- |
| Standard Plan (₹599) | 30 days | ₹706.82 | 10 | 235.60 |
| Professional Plan (₹1,499) | 30 days | ₹1,768.82 | 20 | 1,179.21 |
| **Total Payable** |  |  |  | **1,414.81** |
| **Credit Note (CN)** |  |  |  | **706.82** |
| **Net Amount Due (Total − CN)** |  |  |  | **707.99** |


In this example, since ₹706.82 was already paid for the Standard Plan, a Credit Note of ₹706.82 is applied, reducing your net payment to ₹707.99.

Credit Notes serve as a record of prepaid amounts that can be applied to future transactions, ensuring accurate accounting and financial management.

![Credit Note on Billing Page](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/credit-note-on-billing-page.png)

center
em
Figure 3: Credit Note on Billing Page
br
![Credit Note Entry](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/credit-note-entry.png)

center
em
Figure 4: Credit Note Entry
br
## View Your Current Plan

To review your active subscription and its included features at any time, click **View Details** in the **Current Subscription** section.

![Clicking View Details](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-2.png)

center
em
Figure 5: Clicking View Details
br
![Plan Details](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-3.png)

center
em
Figure 6: Plan Details
br
If you are on a trial plan, make sure to [subscribe to a paid plan](/commerce/docs/manage-company/billing#activate-a-subscription-plan) before the trial ends to avoid losing your data.

Timestamps and time zones reflect your browser's local settings. Currency is displayed based on your country of origin or your organisation's base currency.

## Add Credit Balance

Credit balance can be used to pay for subscriptions and other charges on Fynd Commerce.

1. Enter an amount in the **Add Credit Balance** field, or select a predefined value from the options on the page.
2. Click **Proceed To Add**.
3. Choose your preferred payment method and enter the required payment details.
4. Click **Pay Now**.


Your credit balance will be updated immediately upon successful payment.

## Activate a Subscription Plan

If you do not subscribe to a paid plan before your trial ends, your Fynd Commerce account will be blocked with immediate effect.

1. Click **Subscription** in the navigation menu.
2. Click **Activate Plan** in the **Current Subscription** section.
3. Browse the available plans and click **Subscribe** on the plan that best suits your needs.
4. Select your preferred payment method:
  - [Credit Balance](#credit-balance)
  - [Credit/Debit Card](#creditdebit-card)
![Using Credit Card Option](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-6a.png)
Figure 7: Selecting Payment Method

The **Credit Balance** option is disabled if your account has insufficient credit balance.
5. Click **View More** on the plan card (right side of the page) to review all features included in the selected plan.
![Clicking View More](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-7a.png)
Figure 8a: Clicking View More

![Plan Features](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-7b.png)
Figure 8b: Plan Features

6. Tick the **Terms and Conditions** checkbox on the plan card to accept Fynd Commerce's terms.
![Terms and Conditions](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-8.png)
Figure 9: Accepting Terms and Conditions

7. Click **Subscribe**. A confirmation page will appear once your subscription is successfully activated.
![Subscribe Button](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-9.png)
Figure 10: Clicking Subscribe



## Activate a Customised Subscription Plan

Fynd Commerce offers the option to work with your Account Manager to set up a plan tailored to your specific business needs. Customised plans include negotiated features and a designated commission rate.

**How it works:**

1. The Fynd Commerce Admin team creates and publishes the customised plan.
2. Click **View Plans** on the home screen to see available options, including your customised plan.
3. Select and subscribe to the plan from the list.


## Change Your Subscription Plan

If you downgrade your plan, any overpaid amount will be applied as credit toward your next billing cycle.

1. Click **Change Plan** in the **Current Subscription** section.
2. Select the plan you want to switch to and click **Subscribe**.
3. Choose your preferred payment method:
  - [Credit Balance](#credit-balance)
  - [Credit/Debit Card](#creditdebit-card)
![Subscribing to a Plan](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/change-a-subscription-plan/subscribing-to-a-plan.png)
Figure 11: Subscribing to a Plan

The **Credit Balance** option is disabled if your account has insufficient credit balance.
4. Click **View More** on the plan card to review the features included in the selected plan.
5. Tick the **Terms and Conditions** checkbox to accept Fynd Commerce's terms.
6. Click **Subscribe**. A confirmation page will appear once the plan change is successful.


## Cancel Your Subscription Plan

1. Click **Cancel Subscription** in the **Current Subscription** section.
![Cancel Subscription](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-11.png)
Figure 12: Clicking Cancel Subscription

2. In the **Cancel Subscription** window, click **Contact Support**.
![Contact Support](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-12.png)
Figure 13: Clicking Contact Support

3. Reach out to the contacts listed under the **Support Managers** section to complete the cancellation.
![Support Manager Contact Details](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-13.png)
Figure 14: Support Manager Contact Details



## Payment Methods

### Credit Balance

Use your Fynd Commerce credit balance to pay for subscriptions. Ensure your balance is sufficient before your billing date. To top up, follow the steps in [Add Credit Balance](#add-credit-balance).

### Credit/Debit Card

Add a credit or debit card to make subscription payments directly.

1. Click **Add Card** in the **Cards** section of the Subscribe Plan window.
![Add Card Button](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-14.png)
Figure 15: Clicking Add Card

2. Enter your card details: 16-digit card number, expiry date, CVV, name on card, and email address.
3. Tick the checkbox to accept the e-mandate.
4. Review the details and click **Save Card**.
![Adding Card Details](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/adding-card-details.png)
Figure 16: Adding Card Details



## Add Bank Account for Payouts

Add your bank account details to receive earnings from sales made through Fynd Commerce.

1. On the **Subscription** page, click **Add Bank Account**.
![Add Bank Account](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-18.png)
Figure 17: Clicking Add Bank Account

2. Enter your bank details and click **Add Bank Account** to save.
![Adding Bank Account Details](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-19.png)
Figure 18: Adding Bank Account Details



If you add multiple bank accounts, you can designate one as the default account for receiving payouts.

## View and Download Reports

1. Go to the **Reports** tab on the **Finance & Payments** page.
2. Select a **Report Type** from the dropdown menu.
3. Optionally, filter by **Brand** and/or **Channel**.
4. Click **Generate** to produce the report, which you can then download and save for your records.


## Reconciliation

Reconciliation is the process of comparing and matching financial data between you (as a seller) and Fynd Commerce to verify that all transactions and payments are accurately recorded.

### Downloading a Reconciliation Report

1. Go to the **Reconciliation** tab on the **Finance & Payments** page.
2. Open the filter panel and apply your desired filters.
3. Click **Apply**. The reconciliation data matching your filters will appear on the page.
4. Click the **Download** icon to begin generating the reconciliation report.
5. Navigate to the **Reports** tab. Your recently generated report will appear in the list.
6. Click **Download Report** to save the reconciliation data file to your device.
![Download Report Option](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/reconciliation/clicking-download-report-option.png)
Figure 19: Clicking Download Report

![Downloaded Data](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/reconciliation/downloaded-data.png)
Figure 20: Downloaded Reconciliation Data



## View and Download Invoices

### Download a Single Invoice

1. Go to the **Invoices** tab on the **Finance & Payments** page.
2. Click **Download** next to the invoice you want to save.
![Download Invoice](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-23.png)
Figure 21: Clicking Download for a Single Invoice

The invoice file will be saved to your device for future reference.
![Downloaded Invoice](https://cdn.pixelbin.io/v2/doc/original/moonlight/v1.9.1/5.png)
Figure 22: Downloaded Invoice Details



### Download Bulk Invoices

1. Tick the checkbox at the top of the invoice list to select all entries.
![Selecting Bulk Invoices](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-29.png)
Figure 23: Selecting Bulk Invoices

2. Click **Download** to download all selected invoices at once.
![Download Button](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-30.png)
Figure 24: Clicking Bulk Download



## Pay Invoices

1. Go to the **Billing** page and click the **Invoices** tab.
2. Use the checkboxes to select the invoices you wish to pay.
The **Status** column shows *Unpaid* for invoices that have not yet been paid. Ensure you select only the invoices you intend to pay.
Double-check your selection before proceeding to avoid billing errors.
3. Click **Pay (Amount)**. The button displays the total for all selected invoices. The checkout page will open with the following payment options:
  - **Credit Balance** – Pay using available credits in your account.
  - **UPI** – Pay instantly through any UPI-enabled app.
  - **Credit/Debit Card** – Enter your card details to pay by card.
  - **Net Banking** – Log in to your bank's net banking portal to complete the payment.
4. Fill in the required details for your chosen payment method.
5. Click **Pay Now** to complete the transaction.


Once payment is processed successfully, a confirmation message will appear and the **Status** column will update to *Paid* for each settled invoice.

## Credit Balance Transaction History

View a complete log of all activity on your credit balance, including top-ups, amounts applied to invoices, and other transactions.

1. Click **Past Transactions** in the **Credit Balance** section on the main Billing page.
![Past Transactions](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-25.png)
Figure 25: Clicking Past Transactions

2. Search for a specific transaction using its **Transaction ID**, **UTR**, or **Transaction Date**.
![Searching Transactions](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-26.png)
Figure 26: Searching Transactions



## Update Billing Address

Keep your billing address up to date to ensure invoices and communications are directed correctly.

1. Click **Edit** in the **Billing Address** section on the main Billing page.
![Edit Billing Address](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-27.png)
Figure 27: Clicking Edit for Billing Address

2. Update your address details and click **Update** to save the changes.
![Updating Address](https://cdn.pixelbin.io/v2/doc/original/searchlight/platform-panel/Updates-to-docs/Documentation-update/Billing/figure-28a.png)
Figure 28: Updating Billing Address



## Card Tokenization

Card tokenization is a security measure that replaces your card details with a unique digital token. This token is stored and used for transactions instead of your actual card information, keeping your data safe.

**How it works:** When you save a card, your card details are securely shared with the card network provider. In return, the provider issues a token linked to your card. For all future transactions, only this token is used — you do not need to re-enter your card details each time.

Tokenization is free of charge. As mandated by the RBI, card data is tokenized and protected by card networks, ensuring your card details are never exposed. You can choose to consent to tokenization for future transactions or opt out at any time.