How do I switch or cancel my plan?

When to switch plans

The four plans (Free, Starter, Business, Growth) differ primarily on monthly document quota, storage, and team-member count. The right plan is the one whose document quota covers an honest month of your real intake.

Common moments to switch:

• Hitting your quota mid-month — upgrade to the next tier; the new quota becomes available immediately and prorated billing handles the cost. See understanding your document counter for what counts and what doesn't.
• Quiet quarter — downgrade. Your existing documents stay; only new monthly intake is constrained.
• Annual vs monthly — switching from monthly to annual saves about 17%. See annual vs monthly billing for the math.
• Closing the business — downgrade to Free first to stop charges, then if you really want the data gone, see delete your account and export your data.

You can change plans as often as you like; there's no penalty.

Upgrading

Upgrades take effect immediately and are pro-rated.

The walk-through

1. Open Settings → Billing in the web app.
2. Click Change plan. The plan picker shows Free, Starter, Business, Growth with current vs proposed.
3. Pick the new tier and click Confirm. If you haven't added a card yet (e.g. coming from Free), Stripe asks for payment details now.
4. The new plan is active immediately. New quota is available to use within seconds; team-member seat count increases right away; bank-matching unlocks (if going to Business or Growth).
5. We charge a pro-rated amount for the partial period between the upgrade date and your normal renewal date. From the next renewal onward, you pay the full new-plan price each cycle.

For the prorated-billing math (how we calculate the partial charge), see prorated billing when you upgrade mid-month. The summary is: we charge for the unused days at the new rate, credit the unused days at the old rate, and the difference appears as one line on your Stripe receipt.

When the upgrade hits your card

The charge happens within minutes of clicking Confirm. Stripe sends a receipt to the billing email; the same receipt is downloadable from Settings → Billing → Past invoices.

If your card is declined, the upgrade does not apply — you stay on the previous plan and see a banner in the app prompting you to update the payment method. No partial-state upgrades.

Downgrading or cancelling

Downgrades apply at the end of the current billing cycle.

The walk-through

1. Open Settings → Billing → Change plan.
2. Pick a lower tier (down to and including Free — Free is the "cancelled" state).
3. The change is scheduled for the end of your current billing period. You keep all current-plan features and quota until then.
4. On the renewal date, you switch to the new plan automatically. We charge the new amount (or zero, for Free).
5. No prorated refunds for the unused portion of the higher plan — you've already paid for the period, so we let you use it.

You can undo a scheduled downgrade until the renewal date — Settings → Billing shows the pending change with a Cancel downgrade button. After the renewal date, you'd upgrade again (which is immediate + pro-rated, same as any other upgrade).

What "cancel" means here

There is no separate Cancel subscription action. Downgrading to Free is the cancelled state. After the downgrade takes effect, you're on the Free plan with 10 documents/month, no team members beyond yourself, and no further charges. Your data stays; you can keep using TaxItEasy at the Free tier indefinitely.

If you want to delete your account entirely (data and all), that's a separate flow — see delete your account and export your data. Downgrading to Free does not delete anything.

What happens if you exceed quota after downgrading

If you downgrade to a plan with a lower monthly quota and you've already used more than the new limit before the renewal date, nothing is deleted. After the renewal:

• All your existing documents stay accessible. We don't retroactively gate them.
• New monthly intake (uploads, forwarded emails, mobile scans) pauses at the new monthly cap until the next reset.
• We send a friendly in-app + email notice when you hit the cap.

The cap doesn't fail — you just can't add new documents that month. Existing data is still searchable, exportable, and visible to your tax advisor.

EU VAT and reverse charge

If you're a VAT-registered EU business outside Cyprus (our company seat), add your VAT ID at checkout. Stripe handles VAT reverse-charge automatically — your invoice from us shows VAT 0% with the relevant clause, and you account for VAT on your own filing.

For users outside the EU, or EU consumers without a VAT ID, the invoice shows VAT at your country's rate, collected and remitted by us (or via Stripe Tax in the relevant jurisdiction).

For the deeper VAT explanation, see VAT reverse charge for EU businesses.

Annual vs monthly

Annual plans are billed once a year and save roughly 17% versus the monthly equivalent. The trade-off is upfront cost vs flexibility. Annual makes sense once you're confident you'll use the plan for the full year.

You can switch from monthly to annual at any time:

• Mid-month, monthly → annual — we pro-rate the unused monthly time as credit against the annual charge.
• Mid-year, annual → monthly — applies at the end of the annual period; no refunds for the unused portion.

See annual vs monthly billing for worked examples.

Troubleshooting

My downgrade isn't showing the new lower price yet. The new pricing kicks in at your next renewal date, not immediately. Until then you see the higher-tier price (which you've already paid for the current period). Settings → Billing shows both: the current effective plan and the pending plan with the renewal date.

I want to cancel everything immediately and stop paying. Downgrade to Free. Your subscription ends at period-end and you switch to the Free plan automatically. Free is the cancelled state; there's no separate action. If you also want to delete the account (data and all), that's a second step — see delete your account.

I need a copy of an invoice for my own records. All past payments are downloadable as PDFs in Settings → Billing → Past invoices. Stripe also emails you each invoice on payment. The PDF includes your VAT ID (if added), reverse-charge clause (if applicable), and our company details (THE GROVVEST AI LTD, Cyprus, HE 478768).

My payment failed and I lost access. Stripe retries failed payments for up to 3 weeks. During that retry window you see a banner in the app prompting you to update the payment method. Pay the failed invoice (link in the dunning email, or in Settings → Billing) to restore access immediately. After 3 weeks of failure, the account is auto-downgraded to Free and unpaid invoices are sent to collection.

I want a refund for the period I didn't use. Our refund policy: if something is broken on our side, we refund. For change-of-mind, your subscription runs to period-end and then ends. The full policy is on the pricing FAQ. Write to [email protected] with [BILLING] in the subject line if you think your case qualifies as our-side-broken.

I switched cards but my upgrade is failing. Stripe sometimes asks for SCA (Strong Customer Authentication) on the new card. Check Settings → Billing for a banner with "Confirm payment" — clicking it opens the SCA challenge. After confirmation, retry the upgrade.

Two companies on one account — do I get one bill or two? One bill. Plan limits are per-account, not per-company. Document quota is shared across all your companies; team-member count is per-account too. If you genuinely want separate billing per company, that's a separate account with separate Stripe billing — write to [email protected] for the multi-account setup.

Related

• Prorated billing when you upgrade mid-month — the math
• Annual vs monthly billing — when to pick which
• VAT reverse charge for EU businesses — VAT-ID at checkout
• Understanding your document counter — what counts toward the limit
• Delete your account and export your data — beyond cancellation