> ## Documentation Index
> Fetch the complete documentation index at: https://docs.laozhang.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> Enterprise billing, account credit, commercial invoices, and refund policy for LaoZhang API

## Enterprise Billing Overview

Laozhang API provides account credit management for companies and developer teams through YingTu Technology Pte. Ltd., a Singapore company. For production use, enterprise procurement, service contracts, or commercial invoices, contact support first to confirm account type, spending limits, and usage boundaries.

### Enterprise Payment Arrangements

<CardGroup cols={2}>
  <Card title="Contract Billing" icon="file-text">
    * Account type review
    * Usage scope confirmation
    * Spending limit agreement
    * Contract or email confirmation

    **Processing Time**: Subject to support confirmation
  </Card>

  <Card title="Enterprise Payment" icon="landmark">
    * Company information review
    * Payment instructions provided by support
    * Payment receipt verification
    * Account credit update after review

    **Processing Time**: Subject to banking and support confirmation
  </Card>
</CardGroup>

<Note>
  Payment methods are not listed as public self-service options on this documentation page. Contact support first to confirm the account type, payment arrangement, and compliance boundary for your organization.
</Note>

### Enterprise Payment

For enterprise purchases:

<Steps>
  <Step title="Contact Support">
    Email: [hi@laozhang.ai](mailto:hi@laozhang.ai)
    Provide expected usage, company information, and commercial invoice requirements
  </Step>

  <Step title="Get Account Information">
    Receive the confirmed payment information from support
  </Step>

  <Step title="Complete Payment">
    Complete enterprise payment according to the confirmed instructions
  </Step>

  <Step title="Submit Proof">
    Submit payment receipt for verification
  </Step>

  <Step title="Account Credit Update">
    Account credit is updated after verification
  </Step>
</Steps>

## Account Credit Process

### Account Credit Setup

<Steps>
  <Step title="Log in to Console">
    Visit [Laozhang API Console](https://api2.laozhang.ai) and log in
  </Step>

  <Step title="Confirm Account Type">
    Confirm whether the account is for development testing, internal tools, or production integration.
  </Step>

  <Step title="Confirm Billing Arrangement">
    Confirm the payment method, spending limit, commercial invoice information, and procurement requirements with support or in the console.
  </Step>

  <Step title="Complete Verification">
    Submit payment confirmation, service contract details, or payment receipt when required.
  </Step>

  <Step title="Confirm Account Credit">
    Check "Billing History" or contact support for confirmation.
  </Step>
</Steps>

### Budget Controls

Use budget controls to avoid unexpected production spend:

<Steps>
  <Step title="Set Alerts">
    Configure account alerts in the console.
  </Step>

  <Step title="Set Spending Limits">
    Configure budget limits for production keys and internal teams.
  </Step>

  <Step title="Review Usage">
    Review billing history and call logs regularly.
  </Step>
</Steps>

<Tip>
  **Budget Control Benefits**

  * Reduce unexpected spending
  * Keep production usage observable
  * Support internal approval workflows
  * Make billing history easier to reconcile
</Tip>

## Pricing and Enterprise Terms

### Volume Pricing

For high-volume users, we offer custom volume discount plans:

* **Monthly usage \$1000+**: 5% additional discount
* **Monthly usage \$5000+**: 10% additional discount
* **Monthly usage \$10000+**: 15% additional discount
* **Enterprise custom**: Contact [hi@laozhang.ai](mailto:hi@laozhang.ai)

## Commercial Invoice and Receipt

### Request Invoice

<Steps>
  <Step title="Fill Invoice Information">
    Go to "Billing History" > "Request Invoice"
    Fill in:

    * Company name
    * Billing address
    * Tax or business registration number, if applicable
    * Contact email
  </Step>

  <Step title="Select Billing Period">
    Choose billing period requiring invoice
  </Step>

  <Step title="Submit Request">
    Submit invoice request
  </Step>

  <Step title="Receive Invoice">
    Receive electronic commercial invoice or receipt after review
  </Step>
</Steps>

### Invoice Types

| Invoice Type           | Applicable Region  | Processing Time                      | Notes                                             |
| ---------------------- | ------------------ | ------------------------------------ | ------------------------------------------------- |
| **Receipt**            | Globally           | Subject to record type               | For account credit records                        |
| **Commercial Invoice** | Global enterprises | Subject to enterprise account review | Issued by the confirmed overseas operating entity |

<Note>
  Invoice availability is subject to enterprise account status, whitelist review, contract terms, and local compliance requirements.
</Note>

## Refund Policy

### Refund Conditions

Can request refund if:

<Tip>
  **Refundable Cases**

  * ✅ Unused balance (no API calls)
  * ✅ Duplicate payment
  * ✅ Mistaken account credit
  * ✅ Service discontinued
  * ✅ Account closed
</Tip>

<Warning>
  **Non-refundable Cases**

  * ❌ Partial refund of used balance
  * ❌ Non-cash promotional credits
  * ❌ Expired balance
  * ❌ Violation account
  * ❌ Over 90 days
</Warning>

### Refund Process

<Steps>
  <Step title="Submit Refund Request">
    Email: [hi@laozhang.ai](mailto:hi@laozhang.ai)
    Include:

    * Account information
    * Refund amount
    * Refund reason
    * Payment proof
  </Step>

  <Step title="Review Process">
    Financial team reviews within 3-5 business days
  </Step>

  <Step title="Approve Refund">
    If approved, initiate refund process
  </Step>

  <Step title="Receive Refund">
    Refund timing depends on the confirmed billing arrangement, banking process, and account review result.
  </Step>
</Steps>

### Refund Fees

| Refund Amount | Processing Fee | Example                 |
| ------------- | -------------- | ----------------------- |
| \< \$50       | \$2 fixed fee  | Refund \$48 for \$50    |
| \$50-\$500    | 3% of amount   | Refund \$97 for \$100   |
| > \$500       | 2% of amount   | Refund \$980 for \$1000 |

<Note>
  **Free Refund Cases**

  * Platform error
  * Duplicate payment
  * Service disruption
  * Account closure
</Note>

## Payment Security

### Security Measures

<CardGroup cols={2}>
  <Card title="Reviewed Billing" icon="shield-check">
    Enterprise billing arrangements are reviewed before account credit is updated
  </Card>

  <Card title="Encrypted Transmission" icon="lock">
    All payment data transmitted via HTTPS/TLS 1.3 encryption
  </Card>

  <Card title="Minimal Data" icon="database">
    Payment and invoice information is limited to what is required for account review
  </Card>

  <Card title="Fraud Detection" icon="shield-user">
    Real-time monitoring of unusual transactions
  </Card>
</CardGroup>

### Payment Information Protection

<Tip>
  **Our Commitment**

  * ✅ Review account type before production billing
  * ✅ Keep payment confirmation tied to account credit records
  * ✅ Limit payment and invoice data to required business records
  * ✅ Confirm billing changes through support or console records
  * ✅ Keep account credit and call logs available for reconciliation
</Tip>

## Common Issues

<AccordionGroup>
  <Accordion title="Billing confirmation failed, what to do?">
    **Common Causes:**

    1. **Account Type Not Confirmed**
       * Confirm whether the account is for testing, internal tools, or production integration
       * Contact support before adding production credit

    2. **Payment or Contract Details Missing**
       * Verify company information
       * Provide payment receipt or contract reference when required

    3. **Payment or Support Review Delay**
       * Wait for payment confirmation
       * Provide the reference number for support review

    4. **Network Issues**
       * Refresh page and retry
       * Change browser or network

    **Solutions:**

    ```
    1. Confirm account type and usage scope
    2. Provide payment receipt or billing reference
    3. Contact customer support if still pending
    4. Provide account ID and confirmation record for investigation
    ```
  </Accordion>

  <Accordion title="Account credit not updated?">
    **Check Steps:**

    1. **Confirm Payment or Billing Status**
       * Check payment confirmation record
       * Verify support or contract confirmation email

    2. **Check Account Balance**
       * Refresh console page
       * Check "Billing History"

    3. **View Processing Status**
       * Some payments require support review time

    **Processing Times:**

    * Contract billing: Subject to support confirmation
    * Enterprise payment: Usually reviewed within 1-3 business days after receipt is provided
    * Invoice requests: Subject to enterprise account and local compliance review

    **If Still Not Arrived:**
    Contact support: [hi@laozhang.ai](mailto:hi@laozhang.ai)
    Provide:

    * Payment method
    * Payment amount
    * Payment time
    * Transaction ID
  </Accordion>

  <Accordion title="Can I split payments?">
    **Split Payment Policy:**

    Currently do not support split payments, but offer alternatives:

    1. **Milestone Billing**
       * Confirm staged billing requirements with support
       * Keep each account credit update tied to a confirmed record

    2. **Separate Enterprise Purchases**
       * Confirm each purchase with support
       * Keep each transaction and invoice record separate

    3. **Corporate Monthly Settlement**
       * Enterprise users can apply for monthly settlement
       * Contact: [hi@laozhang.ai](mailto:hi@laozhang.ai)
  </Accordion>

  <Accordion title="Can I change payment method?">
    **Change Payment Method:**

    1. **For Completed Payments**
       * Cannot change payment method
       * If refund needed, follow refund process

    2. **For Future Purchases**
       * Confirm the billing arrangement with support
       * Keep invoice and procurement requirements aligned before payment

    3. **For Enterprise Billing**
       * Contact support before changing billing arrangements
       * Confirm invoice and procurement requirements in advance
  </Accordion>

  <Accordion title="How to view billing history?">
    **View Billing Records:**

    <Steps>
      <Step title="Log in to Console">
        Visit [Console](https://api2.laozhang.ai)
      </Step>

      <Step title="Enter Billing History">
        Click "Billing" > "Billing History"
      </Step>

      <Step title="View Details">
        View all account credit, usage, and refund records
      </Step>

      <Step title="Export Records">
        Can export to CSV or PDF format
      </Step>
    </Steps>

    **Record Contents:**

    * Date and time
    * Transaction type (account credit/usage/refund)
    * Amount
    * Payment method
    * Balance
    * Transaction ID
  </Accordion>
</AccordionGroup>

## Enterprise Solutions

### Corporate Account

Provide specialized services for enterprise users:

<CardGroup cols={2}>
  <Card title="Monthly Settlement" icon="calendar">
    * No need for advance account credit
    * Generate bill at month end
    * Support enterprise billing arrangements
  </Card>

  <Card title="Volume Discount" icon="tags">
    * Custom pricing based on usage
    * Up to 20% discount
    * Long-term contract additional discounts
  </Card>

  <Card title="Dedicated Support" icon="headset">
    * Dedicated account manager
    * 24/7 technical support
    * Priority problem resolution
  </Card>

  <Card title="Commercial Invoice" icon="receipt-text">
    * Support commercial invoice or receipt
    * Custom billing cycles
    * Detailed usage breakdown
  </Card>
</CardGroup>

### Apply for Corporate Account

<Steps>
  <Step title="Contact Sales Team">
    Email: [hi@laozhang.ai](mailto:hi@laozhang.ai)
    Provide: Company name, estimated monthly usage, business type
  </Step>

  <Step title="Submit Materials">
    Provide:

    * Business license
    * Tax registration certificate
    * Legal representative ID
    * Corporate email
  </Step>

  <Step title="Review and Approval">
    Business team reviews within 3-5 business days
  </Step>

  <Step title="Sign Contract">
    Sign service contract, clarify terms
  </Step>

  <Step title="Account Setup">
    Configure corporate account, enjoy exclusive services
  </Step>
</Steps>

## Contact Support

If questions about payment:

* **Email**: [hi@laozhang.ai](mailto:hi@laozhang.ai)
* **Work Hours**: Business days, subject to support availability
* **Online Support**: Click chat icon in console

## Related Resources

* [Pricing Description](/en/pricing) - View detailed pricing
* [Insufficient Balance](/en/faq/balance-insufficient) - Handle balance issues
* [Token Management](/en/faq/token-management) - Manage API tokens
* [Terms of Service](https://api2.laozhang.ai/terms) - View service terms