How paid plans are billed, renewed, cancelled and refunded. The binding rules are in our General Terms and Conditions (Art. 14 and 17).
Plans and prices
The Free plan costs nothing and has no time limit. Paid plans are billed monthly or yearly; current prices are on our pricing page. Prices are in euros (EUR) and include VAT where VAT is due.
VAT
- Customers in Bulgaria, individuals and companies: 20% VAT.
- Consumers in another EU country: VAT at the rate set by the EU place-of-supply rules.
- Companies in another EU country with a valid VAT number: no VAT is charged; you account for it under the reverse charge. Enter your VAT number at checkout. We check it in the EU's VIES system.
- Customers outside the EU: no VAT is charged.
Payment
You pay by debit or credit card through Stripe. Your card details go directly to Stripe; we never see or store your full card number. Your plan is activated as soon as the payment goes through.
Renewal
Subscriptions renew automatically at the end of each monthly or yearly period, and the fee for the next period is charged to your card on the renewal date until you cancel.
Changing or cancelling your plan
Open Plan & billing in your account to reach the billing portal, where you can change plan, update your card, see past invoices or cancel. When you cancel, your plan stays active until the end of the period you have paid for, and your account then returns to the Free plan. Your digital card keeps working.
14-day right of withdrawal
If you are a consumer, you may withdraw from a paid plan within 14 days of buying it. At checkout you ask for your plan to start straight away, so if you withdraw within those 14 days we keep only the part of the fee for the days you have used and refund the rest within 14 days, to the card you paid with. To withdraw, write to office@opncard.eu; you can use the standard withdrawal form at the end of our General Terms and Conditions.
Outside the 14-day period, cancelling stops future renewals; the period you have already paid for is not refunded.
Invoices
Invoices are issued by OPNCard Ltd. (VAT number BG208638316). You receive one by email for every payment, and all past invoices are available in the billing portal.
Questions and complaints
Write to office@opncard.eu, call +359 88 337 2783 or use our contact form. If we cannot resolve a complaint, you may contact the Consumer Protection Commission or refer the dispute for out-of-court resolution to its conciliation commissions (www.kzp.bg).