> ## Documentation Index
> Fetch the complete documentation index at: https://carat.im/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing and refunds

> Learn about payment methods, billing cycles, receipt issuance, refund policies, and how to request refunds.

## Payment methods

1. **App:** Follows the payment method registered with Apple App Store or Google Play Store (in-app purchase).
2. **Website:**
   * **Plan subscription:** Register a credit or debit card for recurring payments.
   * **Boost recharge:** In addition to card payments, convenient payment options like Kakao Pay and Naver Pay are supported.
3. **Bank transfer:** For Business plan, bank transfer (with tax invoice) is supported through [Business inquiry](https://carat.im/b2b/inquiry).

## Receipt issuance

Payment receipts can be found on the platform where you made the payment.

### 1. App

**Google Play Store (Android)**

\[Play Store(Play 스토어)] → \[Profile icon(프로필 아이콘)] → \[Payments & subscriptions(결제 및 정기 결제)] → \[Budget & history(예산 및 내역)] → Select transaction → \[View(보기)]

<Info>
  You can find it faster by searching for 'Google Play Order Receipt' in your Google account email.
</Info>

**Apple App Store (iOS)**

\[Settings(설정)] → \[Your Name(사용자 이름)] (Apple ID) → \[Media & Purchases(미디어 및 구입 항목)] → \[View Account(계정 보기)] → \[Purchase History(구입 내역)] → Select payment

<Info>
  You can find it faster by searching for 'Receipt from Apple' in your Apple account email.
</Info>

### 2. Website

**Print receipt directly**

You can view and print receipts from the settings page on the website.

\[Account nickname(계정 닉네임)] (bottom left) (on mobile web, open the top-left \[Menu(메뉴)] (☰) first) → \[Settings(설정)] → \[My Credits(내 크레딧)] → \[Subscription & Usage(구독•사용 관리)]

**Check payment email**

Payment confirmation emails sent to your registered email can also serve as proof of payment. Search for the following in your mailbox.

* **Email subject:** `Your payment from Para Inc. has arrived.`
* **Sender:** Toss Payments ([bill@bill-mail.tosspayments.com](mailto:bill@bill-mail.tosspayments.com))

### 3. Business payment

Business plan users can request tax invoices (bank transfer method) through [**Business inquiry**](https://carat.im/b2b/inquiry).

## Billing cycle

* **Monthly subscription:** Automatically billed **every month** on the same date and time as when you started your subscription.
* **Annual subscription:** Automatically renewed **1 year** from the date you started your subscription.

## How to request a refund

1. **App:** \[Profile(프로필)] → \[Menu(메뉴)] (☰) → \[My Credits(내 크레딧)] → \[More(더보기)] (…) → \[Payment History(결제 내역)] → \[Refunds(환불 신청)]
2. **Website:** \[Account nickname(계정 닉네임)] (bottom left) (on mobile web, open the top-left \[Menu(메뉴)] (☰) first) → \[Settings(설정)] → \[My Credits(내 크레딧)] → \[Subscription & Usage(구독•사용 관리)] → \[Refunds(환불 신청)]

<Warning>
  **Refund policy (varies by payment platform)**

  **Website payments:** According to [Terms of Service Articles 25 and 26](https://carat.notion.site/7dd0b316d7dc4f1f8e0bfd68e09e5210), a full refund is available if you have not used any usage within 7 days of subscription. If usage has been consumed, monthly payments and boost recharges are non-refundable, while annual payments may be partially refunded.

  **App payments (Apple App Store / Google Play):** These follow each store's refund policy and review outcome; the website-based conditions above (7-day full refund, 10% penalty fee, annual partial-refund formula) do not apply.
</Warning>