Payment Policy

Last updated: 2026-11-02.

This Payment Policy explains the payment methods supported on CrawlPipe (crawlpipe.com), the checkout and activation process, electronic VAT invoicing, payment security standards, and handling of billing discrepancies. It is issued by HABIFY COMPANY LIMITED (CÔNG TY TNHH HABIFY, Enterprise Code 0319523808) and forms an integral part of the Terms of Service.

1. Supported payment methods

CrawlPipe supports both domestic Vietnamese Dong (VND) payment channels and international US Dollar (USD) payment channels:

a) Domestic payments in Vietnam (VND — via Habify `payment-service`)

Customers in Vietnam can pay for monthly or annual plans in VND through licensed payment intermediaries integrated via the Habify payment-service:

Bank transfer via VietQR (PayOS): Instant dynamic QR code recognized by all Vietnamese banking apps, reconciled automatically within seconds.
VNPay Gateway: Domestic Napas ATM cards, QR Pay banking apps, and international Visa / Mastercard / JCB cards.
MoMo E-Wallet: Direct payment via the MoMo mobile application or QR scan.
ZaloPay E-Wallet: Direct payment via ZaloPay / Zalo application.

b) International payments (USD — via PayPal)

Customers outside Vietnam can subscribe to recurring monthly plans (Builder $19/month, Pro $99/month) in USD processed through PayPal Subscriptions.

c) Machine-to-machine micropayments (x402 pilot)

For autonomous AI agents calling x402-enabled endpoints, per-request settlement is supported via the HTTP 402 Payment Required (x402) protocol as documented in /en/docs/reference/x402.

We do not accept cash payments or manual transfers to personal bank accounts.

2. Checkout and plan activation flow

Select a plan: Sign in to the CrawlPipe portal with your Habify Account, open Billing (/dashboard/billing) or the Pricing page (/pricing), and select your desired plan (Individual Lookup, Business & Bidding, Builder API, or Pro API).
Enter VAT invoice details (for VND payments): Provide or confirm your buyer details (individual name or company name, tax code, address, and email to receive the electronic VAT invoice).
Review checkout summary: Verify the plan price, included 10% VAT, and any applicable gateway fee before confirming.
Complete payment: Authenticate and complete payment on the secure page of the selected payment provider (VietQR/PayOS, VNPay, MoMo, ZaloPay, or PayPal).
Automatic activation: Immediately after the payment provider confirms a successful transaction via a signed webhook (X-Payment-Signature), your organization's plan, monthly API unit quota, and rate limit are upgraded automatically, and the transaction is recorded in your Billing history.

3. Electronic VAT invoices (`invoice-service`)

For every successful VND payment on CrawlPipe, our system automatically issues an official Vietnamese electronic Value-Added Tax (VAT) invoice through Habify invoice-service (connected to Viettel S-Invoice) using the tax information you provided at checkout. The electronic invoice PDF and lookup code are delivered to your billing email and can be accessed in your Billing dashboard. If a transaction is refunded in accordance with our refund policy, the issued e-invoice will be adjusted or replaced in compliance with Vietnamese tax and invoicing regulations.

4. Renewals, failed payments and cancellation

Recurring USD subscriptions (PayPal): Renew automatically at the end of each monthly billing cycle until cancelled. If a scheduled charge fails, your subscription enters a past_due grace window while PayPal retries; if unpaid after the grace window, the organization is downgraded to the Free tier without deleting your API keys or webhooks.
VND plans: May be renewed online via VietQR/PayOS, VNPay, MoMo, or ZaloPay prior to expiration; we send reminder notifications via email and in-portal alerts before your current period expires.
Cancellation: You may cancel your paid plan at any time from /dashboard/billing. Cancellation stops future charges and takes effect at the end of the current paid period.

5. Payment security

All payment credentials (card numbers, CVV codes, bank login details, OTPs, e-wallet PINs) are entered directly on the PCI-DSS / State Bank of Vietnam licensed payment gateway's encrypted interface. CrawlPipe never collects, processes, or stores your raw card numbers or banking credentials. Every webhook callback between payment gateways, Habify payment-service, and CrawlPipe is verified using HMAC-SHA256 signatures (t=<timestamp>,v1=<hmac>) with replay-attack protection.

6. Handling failed or delayed transactions

If money has been deducted from your bank account or e-wallet but your CrawlPipe plan has not been updated:

Please do not submit a duplicate payment immediately; automated webhook reconciliation typically completes within a few minutes.
If your plan is still not updated after 30 minutes, please submit a ticket at https://support.habifyhub.com or email [email protected] with your transaction reference, payment time, amount, and payment channel.
Our billing team will reconcile with the payment gateway within 24–48 working hours and either activate your plan immediately or process a full refund per our Service Delivery, Termination and Refund Policy.