Stripe billing — compliance you can audit.
Overwise processes every subscription through Stripe — your card details never touch our servers. The Stripe Customer Portal handles card updates, plan switches, invoices, and cancellation. Metered lead-overage uses idempotency keys so retries never double-charge. Webhook-driven plan state means real-time sync.
Four things Stripe handles for Overwise.
All Overwise subscriptions are processed by Stripe — no card numbers ever touch our infrastructure. Stripe's PCI-DSS Level 1 certification handles compliance. You upgrade, downgrade, or cancel from the Stripe-hosted Customer Portal.
If you opt into overage, lead overage above your tier cap is pushed to Stripe as metered usage at $0.10/lead. Each usage event uses the leadId as an idempotency key so retries never double-charge — a hard guarantee, not 'usually correct'.
Update card, switch monthly ↔ annual, download invoices, change plan, cancel — all from the Stripe-hosted portal. We never see your card details. You can open the portal from Overwise's Settings → Billing page or from your Stripe email receipts.
Stripe webhooks update your Overwise plan state the moment Stripe events fire — trial → active, payment failed → grace period, canceled → period-end downgrade. No nightly batch jobs, no drift between Stripe and Overwise.
How billing works, step by step.
- 01
Pick a plan and click 'Start trial'
From /pricing or the in-app trial banner, pick Starter / Growth / Founder Team and click 'Start 14-day trial'. You're sent to a Stripe Checkout page hosted by Stripe — Overwise doesn't render the card form.
- 02
Card on file, no charge for 14 days
Stripe Checkout collects card-on-file via Stripe Elements. We don't charge until trial day 15. Cancel anytime before then and pay nothing. The trial-end charge date is shown explicitly on the receipt email.
- 03
Manage from the Stripe Customer Portal
After signup, your Overwise → Settings → Billing page has a 'Manage subscription' button that single-sign-on's you into the Stripe Customer Portal. From there: update card, switch cycle, download invoices, change plan, cancel.
- 04
Optional: enable lead overage
By default, lead-cap behavior is hard-stop — no surprise overage. On Settings → Billing you can opt into metered overage at $0.10/lead, hard-capped at 2× your tier limit. Stripe charges show up on your next invoice line item.
Overwise stores only the Stripe customerId and subscriptionId references, plus public plan-state metadata (tier, status, period-end). Cards are tokenized by Stripe Elements at collection time and never reach Overwise infrastructure. PCI scope at Overwise is 'merchant of record forwarding to Stripe' — SAQ-A scope only.
Stripe-billing questions, answered short.
Does Overwise store my credit card?
No. Card details go directly from your browser to Stripe via Stripe Elements, which is PCI-DSS Level 1 compliant. Overwise stores only the Stripe customerId reference. You can audit this by checking your browser network tab during checkout — no card field ever POSTs to overwise.com.
What countries does Stripe support?
Stripe supports cards from 195+ countries for accepting payments and 46+ countries for full Stripe accounts. Almost every Overwise buyer's card will work. The full country list is at stripe.com/global. If your country isn't supported, contact us at [email protected] and we'll figure something out.
Can I pay annually upfront?
Yes — annual plans are 20% off and paid upfront via Stripe. Effective monthly: $79 (Starter), $199 (Growth), $479 (Founder Team). You can switch monthly ↔ annual anytime from the Stripe Customer Portal; Stripe handles proration.
What happens if my card fails?
Stripe retries failed payments on a 4-attempt schedule over ~14 days while your Overwise account enters a 'grace period' — your data and dashboards stay accessible read-only. After the retry window closes without success, the subscription auto-cancels at period-end. You'll get email notifications at each retry.
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