Card or crypto: what changes
Both get you the same plan. They differ in renewal, refunds, and what happens when something goes wrong.
We take cards and we take crypto. They are not equivalent and it is worth knowing how before you pick.
Renewal
A card renews itself. There is a stored authorisation, and on your anniversary we charge it. If it fails you get a dunning sequence — several retries over several days, with emails — before anything stops working.
Crypto does not auto-renew, and cannot. There is nothing stored to charge; self-custody means you hold the keys, which is the point of it. When the term ends you renew the same way you paid, deliberately.
We say this at checkout rather than letting you discover it when your keys stop. It is the single most important difference between the two and the one most likely to cause an outage you did not plan for. Put a calendar reminder a week before your term ends.
Reversal
A card charge can be refunded. We can do it from the admin console and the money goes back the way it came, on your bank's timetable rather than ours.
A crypto transfer cannot be reversed by anyone — not by us, not by you, not by the network. If you send to the wrong address, the money is gone. Not held somewhere pending. Gone.
This is why we make the address prominent, why our own admin refuses to enable a coin that has no receiving address configured, and why there is a Test address button that we would rather you pressed twice than not at all.
Getting the amount wrong
The amount is how we identify your payment, because the receiving address is shared across customers.
Send a different amount and it does not credit automatically. But it is not lost: send us the transaction hash and it is credited by hand, usually the same day. The failure mode here is inconvenience, not loss — provided you tell us.
The thing that genuinely loses money is the wrong network. USDT on TRON and USDT on Ethereum are different assets living at different addresses. Sending one to the other is unrecoverable, which is why the payment page names the network in three places.
The rate lock
The countdown on the payment page is a rate lock, not a deadline. It fixes the exchange rate for the quote.
If it runs out while your transfer is in flight, we keep watching for 72 hours from when you started and credit at the locked rate. Do not send it twice. The second transfer is a second payment and has to be refunded by hand, in a currency we cannot reverse.
Which to choose
Card, if you want it to look after itself.
Crypto, if you would rather not hand a card to a vendor, and you are comfortable with a renewal you have to remember. Both cost the same — we quote in dollars and the crypto quote is made in dollars too, so there is no premium for paying one way or the other.