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Billing FAQ

Common questions about billing, charges, and payments on PayBru.

Who processes payments on PayBru?​

All payments are processed by Paystack, a South African payment provider. Transactions are in ZAR only.

When am I charged for a membership?​

You are charged immediately when you first subscribe to a membership tier. After that, you are billed automatically at the start of each billing cycle (monthly).

What fees does PayBru charge?​

  • Platform fee: 5% per transaction (reducible to 2.5% through the referral programme - refer 10 creators for 6 months at the reduced rate).
  • Gateway fee: 2.9% + R1 per transaction (charged by Paystack).

These fees are deducted from the creator's earnings. Members pay only the price set by the creator.

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PayBru does not charge VAT on its platform fees (0% VAT).

Why was I charged a different amount than expected?​

Possible reasons include:

  • Currency conversion: If your bank converts the charge from ZAR to another currency, exchange rates and bank fees may apply. All PayBru transactions are processed in ZAR.
  • Tier price change: The creator may have updated their tier pricing since your last renewal.
  • Prorated upgrade: If you upgraded to a higher tier mid-cycle, a prorated charge covers the difference.

How do I update my payment method?​

Go to Account Settings > Payment Methods. You can add a new card or remove an existing one. Your next billing cycle will use the updated payment method. Payments are processed through Paystack.

Can I get a refund?​

Refund eligibility depends on the circumstances. Contact the creator first to discuss the issue. If you cannot resolve it directly, reach out to PayBru support. Refunds are handled on a case-by-case basis. See Account and Billing Trust Topics for more details.

What does the charge look like on my bank statement?​

PayBru charges typically appear on your bank statement with a descriptor that includes "PayBru" or "Paystack". The exact wording depends on your bank.

Is my payment information secure?​

Yes. PayBru does not store your card details. All payment information is processed and stored by Paystack, which is PCI-DSS compliant, using industry-standard encryption.

What happens if I have an active dispute or chargeback?​

If you file a chargeback with your bank, the disputed amount is held while the case is reviewed. We encourage members to contact PayBru support first, as resolving issues directly is faster than the chargeback process.

Do I receive invoices or tax receipts?​

Yes. Every payment generates a proper invoice that you can download from your billing history. Members also have access to monthly statements for a full overview of all charges. For formal tax invoices, contact PayBru support with your requirements.

What currency does PayBru use?​

All transactions on PayBru are processed in South African Rand (ZAR) only. There is no multi-currency support.