You can change or cancel your plan at any time — there's no lock-in and no cancellation fee.

Upgrading

Upgrades take effect immediately. When you upgrade mid-cycle, the prorated amount for the days remaining in your current billing period is calculated and charged straight away by our payment processor, and your next billing date stays the same. There's no manual credit calculation on your part — your new features, higher limits, and lower service fee are live right away.

Downgrading

Downgrades take effect at the end of your current billing period, so you keep everything you've paid for until then. A few things to sort out before the change lands:

  • Rate cards. Starter caps you at 15. If you're above that, trim your list before the downgrade takes effect.

  • Contacts and emails. Your CRM contacts and monthly email allowance drop to the new plan's limits.

  • Your service fee returns to the new plan's rate on your next transaction.

Cancelling

Cancel any time. You won't be charged for the next billing period, and you keep access through the end of the period you've already paid for.

  • Monthly plans — no prorated refund for the remainder of the current month.

  • Annual plans — your subscription stops renewing and you keep paid features for the full 12 months you've paid for. After that your account reverts to Starter. Annual subscribers who cancel after the 7-day window below aren't entitled to a prorated refund for unused months.

Cancelling your subscription doesn't close your account or touch money you've already earned — see How do I close my account? if that's what you're after.

The 7-day new subscriber guarantee

If you upgrade to a paid plan for the first time and, within 7 calendar days, tell us how the service didn't meet your reasonable expectations, you're eligible for a full refund. Email support@ratecards.app from your account email describing the issue.

It applies once per account, and it doesn't cover renewals, moves between paid tiers, or later subscription periods. You may also be entitled to a refund for a billing error, or a prorated account credit for a verified outage over 24 hours. Full details are in our Refund & Cancellation Policy.

If prices change

Monthly subscribers get at least 30 days' written notice before a price increase; annual subscribers get at least 45 days' notice before renewal. You can cancel before the change takes effect at no extra charge. See our Terms of Service.