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

# Your subscription

> How your monthly plan is charged, what direct debit means, and how to cancel.

The **Creator** and **Creator Pro** plans are recurring: you choose whether to
pay **monthly** or **yearly**. While your subscription is current, you keep the
reduced commission and every feature in your plan.

## What you're charged

The plan price is shown in dollars and charged in bolívares, at the BCV rate of
the day of the charge, with **16% VAT** included.

Example for the monthly Creator plan:

| Item                 | Amount      |
| -------------------- | ----------- |
| Creator subscription | \$9.99      |
| VAT (16%)            | \$1.60      |
| **Monthly total**    | **\$11.59** |

## Two ways to pay your plan

<CardGroup cols={2}>
  <Card title="Direct debit account" icon="building-columns">
    Your bank authorizes the charge and the subscription **renews on its own**
    every month.
  </Card>

  <Card title="Manual payment" icon="hand-pointer">
    You pay each cycle yourself, with another bank or method. **It does not
    renew on its own.**
  </Card>
</CardGroup>

## Direct debit account

Setting up **direct debit** means authorizing your bank to let Guaybo charge
your plan automatically at every renewal, with nothing for you to do.

Direct debit **is activated by the bank you choose at payment time**. On the
payment screen, after selecting **Pay in bolívares**, you see the available
banks:

<CardGroup cols={2}>
  <Card title="Banks with direct debit" icon="building-columns">
    **Bancamiga**, **Banco de Venezuela**, **Banco Nacional de Crédito (BNC)**,
    **Bancrecer**, and **Banesco**.

    Picking one of these sets up direct debit on your account, and the
    subscription renews on its own.
  </Card>

  <Card title="Other bank" icon="hand-pointer">
    If you pick **Other bank**, the payment is one-off: **there is no direct
    debit** and you have to pay manually each cycle.
  </Card>
</CardGroup>

<Note>
  We're working on adding more banks with direct debit. If yours isn't on the
  list yet, it may be soon.
</Note>

<Check>
  **Why it's worth it.** With direct debit your subscription renews on its own:
  your account never gets downgraded because you forgot, and you keep selling
  without interruptions. It's the safest way to keep your business active.
</Check>

### How to set up direct debit

<Steps>
  <Step title="Pick one of the direct debit banks">
    On the payment screen select **Pay in bolívares** and choose Bancamiga,
    Banco de Venezuela, BNC, Bancrecer, or Banesco. That choice is what turns
    direct debit on.
  </Step>

  <Step title="Fill in your details">
    The account holder's ID number and the phone number linked to that account.
  </Step>

  <Step title="Authorize from your online banking">
    Guaybo sends the direct debit request to your bank. Log in to your online
    banking and **approve it** there. If you're not sure how, the same screen has
    the **"I don't know how to link my bank"** guide with the steps for each
    bank.
  </Step>

  <Step title="Affiliation check">
    A charge of **VEF 1.00** is attempted to validate the affiliation. That
    amount **is returned to you** once it's confirmed.
  </Step>
</Steps>

### If there are no funds at renewal time

When your paid period ends, Guaybo automatically tries to charge the
subscription for the **next period**. If there aren't enough funds in your
account at that moment, the charge doesn't go through and Guaybo **retries it
twice a day**.

<Warning>
  If by the **fourth day** the renewal charge still can't go through, your
  account moves to the **Standard (free) plan**.
</Warning>

## Manual payment

If you pick **Other bank**, or pay with a different method, **your account is
not set up for direct debit**: the subscription doesn't renew on its own and you have to
pay it each cycle.

You have **4 days** from the due date to pay before your account drops to the
Standard plan. During that time we notify you:

| When                       | Notice                                         |
| -------------------------- | ---------------------------------------------- |
| 2 days before the due date | Reminder that your plan is about to expire     |
| On the due date            | Your plan expired, you need to renew it        |
| 2 days after               | Last notice before the downgrade               |
| 4 days after               | Your account moves to the Standard (free) plan |

<Tip>
  If you'd rather not keep track of this, set up direct debit: renewal becomes
  automatic.
</Tip>

## What happens if you drop to the Standard plan

**You lose nothing you already built.** Your products, courses, and content stay
where they are, and your buyers keep their access.

What changes is that, under the Standard plan limits, **you can't create new
resources or upload more content** until you move back to a higher plan.

## Cancelling your subscription

You can cancel whenever you want, under **Settings → Plan → Cancel
subscription**.

When you cancel, your account moves to the Standard (free) plan and the same
rule above applies: your content stays, but you can't create new resources or
upload more content.

## FAQ

<AccordionGroup>
  <Accordion title="What exactly is direct debit?">
    It's the authorization you give your bank so Guaybo can charge your plan
    automatically at every renewal. You approve it once from your online
    banking, and from then on renewal is automatic.
  </Accordion>

  <Accordion title="How do I know if direct debit is set up?">
    It depends on the bank you pick at payment time. Bancamiga, Banco de
    Venezuela, BNC, Bancrecer, and Banesco activate direct debit. If you pick
    **Other bank**, the payment is one-off and you'll need to renew manually.
  </Accordion>

  <Accordion title="Why am I charged VEF 1.00 when setting it up?">
    It's a validation charge to confirm the affiliation is active. That amount is
    returned to you once validated.
  </Accordion>

  <Accordion title="What if I don't have funds at renewal time?">
    The renewal charge is retried twice a day. If it still can't go through by
    the fourth day, your account moves to the Standard (free) plan.
  </Accordion>

  <Accordion title="Do I lose my products if I drop to a lower plan?">
    No. Your products and content stay where they are and your buyers keep their
    access. What you can't do is create new resources or upload more content.
  </Accordion>

  <Accordion title="Can I cancel at any time?">
    Yes, under **Settings → Plan → Cancel subscription**.
  </Accordion>
</AccordionGroup>