Payment Policy

We accept the following payment methods through our secure payment processor, Paystack:

• Debit/Credit Cards: Visa, Mastercard, and Verve cards
• Bank Transfer: Direct bank transfer to our Paystack-provided account
• USSD: Mobile USSD banking codes
• Bank Account (Direct Debit): Authorized direct debit from your bank account

All card transactions are secured with 3D Secure authentication where applicable. ProStackNG never stores your card details, all payment data is handled by Paystack in a PCI-DSS compliant environment.

ProStackNG CRM subscription pricing (all amounts in Nigerian Naira ₦, exclusive of applicable taxes):

Billing Date: Subscriptions are billed on the same date each month (or annually) starting from the date you first subscribe after your free trial ends.

Taxes: Prices are subject to applicable Nigerian Value Added Tax (VAT) at 7.5%, which will be added to your invoice where required by law.

All new accounts receive a 14-day free trial with full access to Professional plan features:

• No credit card required to start
• Full access to all features for 14 days
• At the end of the trial, you must select a plan and provide payment details to continue
• If you do not subscribe, your account will be converted to read-only and data held for 7 days, then deleted

The following add-ons can be purchased on top of your subscription:

• Extra Users: ₦2,000 per additional user per month (beyond plan limit)
• Extra Storage: ₦500 per 10GB per month
• Extra API Calls: ₦5,000 per 10,000 additional calls per month
• Training Sessions: ₦25,000 per 4-hour session
• Data Migration: From ₦100,000 (quoted based on data volume)
• Custom Development: From ₦50,000 (quoted separately)

Add-on charges are billed on your next billing date or immediately for one-time services.

Retry Schedule: If your payment fails, we automatically retry using the following schedule:

• Immediate: First attempt at payment due date
• Day 1: Second attempt (24 hours after first failure)
• Day 3: Third attempt (48 hours after second failure)

Grace Period: You have a 3-day grace period from the first payment failure. During this time, your account remains fully functional. You will receive email notifications on each failed attempt.

Account Suspension: If all 3 payment attempts fail, your account will be suspended and converted to read-only mode. You can still view and export your data but cannot create new records.

Reactivation: To reactivate a suspended account, update your payment method and pay the outstanding balance in your billing settings. Your account will be restored immediately upon successful payment.

Data Deletion: If a suspended account is not reactivated within 30 days, your data will be permanently deleted. We will send warning emails 14 days and 7 days before deletion.

Upgrading: You can upgrade your plan at any time. The upgrade takes effect immediately. We will charge the pro-rated difference for the remainder of your current billing period.

Downgrading: You can downgrade your plan at any time, effective at the end of your current billing period. If your current usage exceeds the limits of the lower plan (e.g., more users than the plan allows), you must reduce usage before the downgrade takes effect.

Annual to Monthly: Changing from annual to monthly billing takes effect at the next renewal date. No refund is issued for the remaining annual subscription term.

Monthly Subscriptions: Monthly subscription fees are non-refundable. If you cancel mid-month, you retain access until the end of the paid month.

Annual Subscriptions: For annual subscriptions cancelled within 30 days of the annual payment, we will issue a pro-rated refund for unused complete months (excluding the first month of service). No refund is issued after 30 days.

Add-On Services:

• Training sessions: Refundable if cancelled more than 48 hours before the scheduled session
• Data migration: Non-refundable once work has commenced
• Custom development: Governed by the specific project agreement

Exceptional Circumstances: We may issue refunds at our discretion in cases of extended platform outages (greater than 24 continuous hours), billing errors, or technical issues caused by ProStackNG.

How to Request a Refund: Email billing@prostackng.com.ng with your account email, the reason for the refund request, and the relevant invoice number. We will respond within 5 business days.

All payment processing is handled by Paystack (paystack.com), a PCI-DSS Level 1 compliant payment processor. ProStackNG does not store, process, or transmit raw card data.

Webhook Security: All Paystack webhook events are verified using HMAC-SHA512 signature validation before processing. This prevents unauthorized payment status manipulation.

If you suspect fraudulent charges on your account, contact us immediately at security@prostackng.com.ng.