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Billing FAQ

Billing answersFast answers for charges, renewals, payment methods, failed payments, refunds, and receipts.

For deeper billing guidance, use the detailed Memberships & Billing section linked at the bottom of this page.

Billing FAQ journey: check payment history, membership status, and payment method settings from the Client Portal.

Who processes payments?​

Paystack processes all payments. PayBru bills in South African Rand (ZAR) only.

When am I charged for a membership?​

You're charged when you subscribe, then again at each renewal date unless you cancel. Renewals follow the cadence of your prepaid block — monthly, every 3 months, every 6 months, or every 12 months.

What payment methods can I use?​

  • Cards (Visa or Mastercard, debit or credit) — the only method that can be saved and auto-charged for recurring renewals.
  • Pay-by-Bank options (for example Ozow Instant EFT) — once-off payments only.
  • Capitec Pay — once-off payments only.

If your first subscription payment was a once-off method, you'll need to save a card before the next renewal date, or your membership will go past due.

What fees apply?​

  • PayBru platform fee: 5% on subscriptions, tips, store purchases, gifts, and crowdfunding/support flows.
  • Paystack gateway fee: currently 2.9% + R1.00 per South African local card transaction, excluding VAT. Pay-by-Bank methods such as Ozow EFT and Capitec Pay can use different Paystack pricing.
  • VAT applies to Paystack's processing fee. PayBru does not add VAT on top of its 5% platform fee.

Members pay the creator's listed price — these fees are deducted from the creator's earnings, not added to your charge.

Why does my charge look different from the listed price?​

Common reasons:

  • Your bank converted the currency (you should always be charged in ZAR — let your bank know if you saw an FX conversion).
  • The creator changed the tier price for new sign-ups (you keep the price you signed up at until you upgrade, downgrade, or resubscribe).
  • You upgraded mid-cycle and were charged a prorated difference.

How do I update my payment method?​

Go to Resources > My Profile > Payments in the Client Portal.

My payment failed — what do I do?​

Update your card under Resources > My Profile > Payments, then retry the payment from My Activity > My Memberships. You have a 6-day grace period with reminders on day 1, day 3, and day 5. See Failed Payments and Access Changes.

Can I get a refund?​

Yes — full or partial refunds are supported. Eligibility depends on the creator's policy and how recently the charge happened. Start with the creator through Messages, then open Support > Get Help for a refund request if needed.

What does the charge look like on my statement?​

It usually shows Paystack as the merchant rather than PayBru. The receipt in My Activity > My Payments confirms the exact transaction.

Is my payment info secure?​

Yes. Paystack handles card details — PayBru never sees or stores your card number.

Do I get invoices?​

Yes. Per-payment receipts and monthly statements are available in My Activity > My Payments. PayBru receipts are proof of payment; for a formal tax invoice from the creator, contact the creator directly. See Understanding Charges.

Can I pause my subscription instead of cancelling?​

No. PayBru doesn't currently support pausing — cancel and resubscribe when you're ready.

See Also​