Subscription & billing

Your subscription — plan, renewal date, payment method, invoices and plan changes — lives on one screen: Settings → Subscription. Payments are processed by Paddle, our merchant of record, which is why Paddle appears on your card statement and on the invoice.

This article covers the operational side: renewals, cards, failed payments, invoices, VAT IDs, discount codes and plan changes. For what each plan costs and includes, see the pricing page; for the trial and the price lock-in rule, see How much does Capitally cost?.

Cancelling, what happens to your access afterwards, and how a plan switch is credited are covered in Can I cancel or switch my subscription anytime?

How renewal works

Renewal is automatic. At the end of each billing period — monthly, annual or five-year — the card you used at checkout is charged again, at the rate you locked in when you subscribed, with no action from you. The 14-day trial is the exception: it takes no card and never converts on its own.

To stop a renewal, cancel before the renewal date. Access continues to the end of the period you've already paid for, and nothing further is charged.

Refunds

There are normally no refunds, because every account gets 14 days to test the full application before paying anything. Two windows are the exception: subscribing while the trial is still running, and a renewal that took you by surprise. Outside those, purchases are final.

• You subscribed before the trial ran out. If you pay before those 14 days since your trial started have elapsed, you can have that payment back within the same window, no questions asked. The app states it while the trial is running: start a subscription today, change your mind before the date the trial would have ended, and you are refunded in full.
• A renewal took you by surprise. A paid subscription bills again by itself at the end of each period, and if one goes through unexpectedly you can have it refunded within three days of the transaction. Cancelling before the renewal date avoids the charge in the first place. This covers a renewal only — the trial takes no card and never converts on its own, so it can't surprise you with one.

Refunds aren't self-serve. Write to support@mycapitally.com from the email address used to login to the account; a refunded payment then shows as Refunded in Subscription history. The terms of service are the authoritative version of this policy.

Changing your payment method

Update the card in Settings → Subscription; the new details apply from the next renewal. Do it before the renewal date rather than after a failed charge — a subscription that stays continuous keeps the price you locked in, while one that lapses and is started again is priced at the current rate. The Update button next to your payment method opens Paddle's own form, and the next automatic charge uses whatever you enter there.

When a recurring payment fails

A failed renewal does not cut your access off on the day. The subscription runs on through a 14-day grace period past the missed renewal date — the date shown under Your subscription is valid until — and only then goes inactive. Your data stays encrypted and intact, so restarting restores everything. The usual causes are an expired card, a cancelled PayPal recurring agreement, or a bank decline.

1. Inside the grace period, update the card in Settings → Subscription. This is the only fix that keeps the subscription continuous, and it keeps your locked-in price with it.
2. Once it has ended, pick a plan again in Settings → Subscription or on the pricing page and enter the new payment details. Nothing is lost in the meantime — your data is kept encrypted for at least six months.

When a payment goes through but the subscription doesn't activate

1. Go to Settings → Subscription and click the reload subscription details link at the foot of the screen. It forces the app to re-read your status from the payment provider instead of waiting for the next refresh.
2. Log out and log back in.
3. If it's still inactive, email support@mycapitally.com with the payment confirmation, and the payment will be attached to your account.

Getting an invoice

An invoice link is emailed after every payment, and every past payment keeps its own Invoice button in the Subscription history list on Settings → Subscription. To put your own details on one — company name, address, tax number — use the invoice generation link in the payment confirmation email, or open the invoice from that list.

Invoices are issued by Paddle from Ireland or United States. For anything the app can't do — a reissue, a copy you can no longer find, a question about the tax lines — go to paddle.net, enter the email address used at purchase, and use Get help.

Invoices for legacy Lemon Squeezy subscriptions

Subscriptions started before the move to Paddle were billed by Lemon Squeezy. Sign in at capitally.lemonsqueezy.com/billing with the email address used at purchase, or use the customer portal link in your original confirmation email. All new subscriptions run through Paddle.

Putting a company name and VAT ID on an invoice

Enter the company name and Tax ID during checkout: for an EU business, the VAT number with its country prefix (PL, DE, IT and so on).

If you paid without entering a Tax ID, you can still add your company details to the invoice afterwards through that same generation form. Changing the tax treatment of a payment that has already gone through is Paddle's call rather than ours — ask them at paddle.net with Get help.

When the European VAT number is rejected

Paddle validates EU VAT numbers against VIES, the EU's VAT Information Exchange System. A number that isn't registered for cross-border (intra-EU) transactions is rejected with an error along the lines of "the tax code is not valid". That's a registration issue, not a checkout bug.

1. Check the number in the official VIES tool.
2. If it isn't listed there, ask your local tax authority to register it for intra-community transactions. In several countries this is a separate step from being issued the number in the first place.
3. Retry the checkout once VIES returns the number as valid.

Discount codes

There are two places a code can go in. On a new subscription, enter it in the Paddle checkout, on the same screen where you type your card details, before confirming. A code that reached you as a ?discount= link is remembered for 30 days and filled in for you. On a plan change, use the Discount code (optional) field on the confirmation screen, next to the amounts. A code only rides along with a change that moves you above every plan you have ever held — a downgrade, a change of billing period within the same plan, or a return to a plan you left does not qualify, and the field is not offered for it.

How long a code lasts depends on the code, not on your plan. Most cover the first payment only — the first month, year or five years, depending on the billing period you pick.

When the discounted period ends, you're charged the regular price of your plan as it stood when you subscribed — not any newer, higher price. See How much does Capitally cost? for how the price lock works.

Changing plans and the 5-year plan

A plan change starts the moment you confirm it, and it is prorated: the unused portion of your current billing cycle is credited toward the new plan. You see the exact amounts before confirming, including the case where that credit is worth more than the change and the screen reads Credited to you today rather than charging you.

What the plan limits count

The 50-asset limit on the Sailor plan counts the distinct assets currently in the project — every stock, currency, ETF, bond, property, crypto or custom asset it holds, whether you still own a position in it or not. Each asset counts once, even if you hold it in several accounts.

Selling a position doesn't give the slot back, because the asset stays in the project; only deleting the asset does. A portfolio that turns over frequently therefore reaches the limit sooner than its current holdings suggest. From 80% of the limit the top bar starts showing a counter — "40 out of 50 assets used" — so the ceiling doesn't arrive unannounced. The Navigator plan removes the asset limit entirely.

Two other limits vary by plan: how many projects you get (see Projects) and how far back your transaction history can go — unlimited on Navigator and Captain, 25 years on Sailor. The current numbers for every plan are on the pricing page.