Payment Policy

1. Accepted Payment Methods

All payments are securely processed by Xendit, Southeast Asia's leading payment gateway (PCI-DSS Level 1 certified · ISO 27001 compliant · licensed by Bank of Thailand, Bank Indonesia, and Bangko Sentral ng Pilipinas).

Zero Optimize Co., Ltd. is the merchant of record. We accept the following payment methods through Xendit:

International Cards

• Visa
• Mastercard
• JCB
• American Express
• UnionPay

QR Code & Bank Methods (Asia)

• PromptPay (Thailand) — scan-to-pay via any Thai banking app
• QRIS (Indonesia) — universal QR for all Indonesian banks & e-wallets
• Bank Transfer — SCB, KBank, Bangkok Bank, Krungsri, Krungthai (TH) · BCA, BNI, BRI, Mandiri (ID) · Maybank (MY)
• InstaPay / PESONet (Philippines)
• UPI (India)

E-Wallets (Asia)

• TrueMoney Wallet, Rabbit LINE Pay (Thailand)
• OVO, DANA, ShopeePay, LinkAja, JeniusPay (Indonesia)
• GCash, PayMaya / Maya, GrabPay (Philippines)
• Apple Pay, Google Pay (global)

Buy Now, Pay Later (BNPL)

• Kredivo, Akulaku (Indonesia) — split into 3/6/12 installments
• Atome (Thailand, Singapore, Malaysia) — pay in 3 installments

Retail Outlets (Cash-based)

• Alfamart, Indomaret (Indonesia)
• 7-Eleven, Tesco Lotus (Thailand — via TrueMoney voucher)

2. Subscription & Recurring Billing

• Subscriptions automatically renew at the end of each billing period (monthly or annually) until cancelled. Auto-renewal is clearly disclosed at checkout before payment.
• Recurring charges use the payment method tokenized by Xendit on your first payment. Zero Optimize never stores full card numbers or e-wallet credentials — only an opaque payment token.
• You receive an email receipt within 5 minutes of every successful charge.
• You can update or remove your payment method anytime in your account settings, or by emailing support@zerooptimize.com.
• Cancel anytime — your access continues until the end of the current billing period, with no further charges.

3. Currency & Pricing Display

Website prices are displayed in USD for global consistency. At checkout, Xendit converts and bills in your local currency where supported, using a transparent live exchange rate (no hidden FX margin).

Direct billing supported in: THB (Thai Baht), IDR (Indonesian Rupiah), PHP (Philippine Peso), MYR (Malaysian Ringgit), VND (Vietnamese Dong), SGD, USD, EUR, GBP, INR, JPY.

4. Tax (VAT, GST, Sales Tax)

• Zero Optimize Co., Ltd. is registered for Thai VAT and charges VAT 7% on invoices for Thai customers, in compliance with Revenue Department regulations.
• For customers outside Thailand, applicable local tax (VAT, GST, SST, etc.) is calculated at checkout and shown clearly before payment.
• B2B customers in EU/UK can enter a VAT number to apply reverse charge.
• Tax-compliant invoices include our Thai Tax ID and are downloadable from your account dashboard.

5. Failed Payments

• If a renewal payment fails, Xendit automatically retries 3 times over 7 days using smart retry logic.
• You are notified via email after each failed attempt with a 1-click "Update Payment" link.
• If all retries fail, your account moves to "past due" status; service may be limited until payment is updated.
• After 14 days of past-due status, your subscription is suspended. Project data is retained for 60 days for restoration.

6. Invoices & Receipts

Tax-compliant invoices (including our Thai VAT registration number) are sent via email after every successful charge and available anytime in your dashboard. Studio & Enterprise customers can request itemized VAT invoices addressed to their company name & tax ID by emailing billing@zerooptimize.com.

7. Disputes & Chargebacks

Please contact support@zerooptimize.com for any billing concern before initiating a chargeback. We resolve 95% of disputes within 24 hours and almost always refund where appropriate — saving you time and avoiding bank fees. Unwarranted chargebacks may result in account suspension and a $25 administrative fee per dispute, to cover Xendit's chargeback investigation cost.

8. Security & Compliance

All payment processing complies with the highest industry standards:

• PCI-DSS Level 1 — the highest certification level for payment card industry security (Xendit-certified).
• ISO 27001 — international standard for information security management.
• TLS 1.3 encryption in transit · AES-256 tokenization at rest.
• 3D Secure 2.0 (Visa Secure / Mastercard Identity Check) for all card payments where supported.
• Licensed by Bank of Thailand, Bank Indonesia, and Bangko Sentral ng Pilipinas through Xendit's regional entities.
• Card details are never seen, transmitted, or stored on Zero Optimize servers — they go directly from your browser to Xendit's secure tokenization endpoint.

9. Contact

📧 support@zerooptimize.com · Response < 1 business day