Billing Management

All billing in TTMT is handled through Stripe, a PCI-compliant payment processor. You can manage your subscription, update payment methods, and view invoices from your dashboard.

Payment Methods

TTMT accepts all major credit and debit cards through Stripe:

• Visa, Mastercard, American Express, Discover
• Some regional payment methods depending on your location

To update your payment method:

1. Go to Settings > Billing.
2. Click Open Customer Portal.
3. Select Update Payment Method and enter your new card details.

Upgrading Your Plan

When you upgrade mid-cycle, Stripe calculates the prorated difference and charges it immediately. Your new features are unlocked instantly.

Example: If you upgrade from Starter to Pro halfway through the month, you pay the prorated difference for the remaining days. On your next billing date, you are charged the full Pro price.

To upgrade:

1. Go to Settings > Billing.
2. Select the plan you want to upgrade to.
3. Confirm the prorated charge.

Downgrading Your Plan

When you downgrade, the change takes effect at the end of your current billing cycle. You keep access to your current tier's features until then.

• No refund is issued for the remaining days on the higher plan.
• Any features exclusive to the higher tier will become unavailable when the new cycle begins.

Yearly Plans

Yearly billing saves you approximately 17% compared to monthly billing (equivalent to 2 months free).

• You are billed once every 12 months as a single transaction.
• Yearly plans auto-renew unless canceled before the renewal date.
• If you switch from monthly to yearly, the change is prorated.

Lifetime Deals

If you purchased a Lifetime Deal:

• You were charged a one-time fee.
• No recurring charges will ever be applied for your subscription.
• You have permanent access to Master tier features for the lifetime of the service.

Cancellation

We do not make you jump through hoops. Cancellation is one click.

1. Go to Settings > Billing.
2. Click Open Customer Portal.
3. Click Cancel Plan.
4. You keep access until the end of your current billing cycle.

After cancellation, your account remains accessible in a read-only state. Your data (trade history, signal logs, settings) is preserved if you decide to resubscribe later.

Troubleshooting Billing Issues

Payment Failed

Problem: Your card was declined during payment or renewal.

Cause: Common reasons include insufficient funds, international transaction blocks, expired card, or bank fraud prevention.

Fix:

1. Check with your bank -- some banks block international transactions by default (Stripe processes payments internationally).
2. Ensure your card has sufficient funds and has not expired.
3. Try a different card by updating your payment method in the Customer Portal.
4. If you continue to have issues, email billing@telegramtometatrader.com with your transaction details.

Subscription Access Delay

Problem: You paid but your account still shows the previous tier.

Cause: Occasionally, Stripe webhook delivery can be delayed by a few seconds.

Fix:

1. Log out and log back in. This forces a refresh of your subscription status.
2. If still not updated after 5 minutes, email billing@telegramtometatrader.com with your transaction receipt.

Duplicate Charges

Problem: You see two charges on your statement.

Cause: This can happen if you upgraded mid-cycle (one prorated charge + one full charge on the next billing date), or if a failed payment was retried successfully.

Fix:

1. Check your invoice history in the Customer Portal to verify charges.
2. If you believe a charge is genuinely duplicated, email billing@telegramtometatrader.com.

Refund Policy

Refund requests are handled on a case-by-case basis. Contact billing@telegramtometatrader.com with your account email and reason for the request.