# Ruachost billing FAQ

> Billing cycles, currencies, payment methods, renewals, late payment, refunds and upgrades at Ruachost.

Source: https://helpcenter.ruachost.com/billing/guides/ruachost-billing-faq/

Billing is covered by our [Terms of Service](https://ruachost.com/legal/tos). You manage all billing in the [client area](https://dashboard.ruachost.com/clientarea.php): invoices, payments, renewals and payment methods.

## How can I pay?

| | |
| --- | --- |
| **Payment methods** | Paystack, Stripe (debit and credit cards), PayPal, bank transfer and cryptocurrency |
| **Currencies** | Nigerian Naira (NGN), US Dollars (USD) and Euros (EUR), set from your country when you sign up |
| **On your statement** | Ruach Hosting Limited |

Pay any invoice in the client area under **Billing → My Invoices**: open the invoice, choose a payment method and follow the steps. See [Paying an invoice](https://helpcenter.ruachost.com/billing/guides/paying-an-invoice/) and [Payment methods and currencies](https://helpcenter.ruachost.com/billing/guides/payment-methods-available/).

**Paying by bank transfer?** Use the bank details shown on your invoice in the client area, and include your **invoice number** as the payment reference. Then reply to the invoice email or [open a support ticket](https://dashboard.ruachost.com/submitticket.php) with your proof of payment, so we can confirm it quickly.

> **Caution:**
Only use the bank details shown in your client area. If an email gives you different bank details, don't pay. See [Official Ruachost emails and websites](https://helpcenter.ruachost.com/getting-started/guides/official-ruachost-emails-and-websites/).

## How often am I billed?

- **Hosting:** you choose your billing cycle when you order: **monthly**, **annually**, or for **longer terms of up to 10 years**. Longer cycles usually cost less overall.
- **Domains:** renew every year. Some domains can be renewed for several years at once.

## How do renewals work?

Your services renew automatically at the end of each billing period. We create your renewal invoice **30 days before** the due date and email it to you. You can see your renewal dates in the client area at any time.

- Any account credit is applied to the invoice automatically.
- If you have a saved card, it's charged automatically.
- Otherwise, pay the invoice in the client area before its due date.

See [Automatic renewal and saved cards](https://helpcenter.ruachost.com/billing/guides/automatic-renewal-and-saved-cards/).

You can turn off auto-renewal for **domains**, but then you must remember to renew before they expire. See [Renewing an expired domain](https://helpcenter.ruachost.com/domains/guides/renewing-an-expired-domain/).

## Can I change my billing cycle?

Yes. To change your billing cycle, for example from monthly to annual, [contact support](https://helpcenter.ruachost.com/getting-started/guides/contact-support/). The new cycle starts at your next renewal.

## What happens if I pay late?

If your hosting renewal isn't paid by its due date, the account is suspended: your website and email stop working until you pay. Pay the invoice and it's reactivated automatically.

A suspended account that isn't paid within **30 days** is terminated, and its files, databases and email are permanently deleted. See [Hosting account suspended](https://helpcenter.ruachost.com/getting-started/website-troubleshooting/hosting-account-suspended/).

If you need more time to pay, contact us before your due date.

## Can I renew early?

Yes. In the client area, open the service and click **Renew**, or pay the next invoice as soon as it's created.

## Can I get the promotional price when I renew?

Promotional prices on ruachost.com are for new orders. Renewals are charged at the regular price for your plan and billing cycle.

## Is there a money-back guarantee?

Yes, for **hosting**:

| Hosting billing cycle | Money-back guarantee |
| --- | --- |
| Monthly | **7 days** from the order date |
| Annual | **30 days** from the order date |

To use it, [open a support ticket](https://dashboard.ruachost.com/submitticket.php) within that period and ask to cancel for a refund. Refunds are added to your **account credit**, usually within **24 hours**. See [Refunds](https://helpcenter.ruachost.com/billing/guides/refunds/).

- The guarantee covers hosting only. Domains, SSL certificates and other services aren't covered.
- If you got a free domain with your hosting, the domain's regular price is deducted from your refund, and the domain stays yours.
- For domain refunds, see [Cancelling a domain, refunds and typos](https://helpcenter.ruachost.com/domains/guides/how-can-i-delete-a-domain-name/).

After the guarantee period, payments for services already provided aren't refunded. In some cases we can give credit for unused time to use on another service.

## Can I upgrade or downgrade my plan?

Yes. In the client area, open **Services**, choose your plan and click **Upgrade/Downgrade**. You only pay the difference for the rest of your billing period. Your files, email and settings stay as they are.

Moving to a different type of service, such as from shared hosting to a VPS, may need a new order and a migration. [Contact us](https://helpcenter.ruachost.com/getting-started/guides/contact-support/) and we'll help.

## How do I cancel a service?

In the client area, open the service and click **Request Cancellation**. You can cancel immediately or at the end of the billing period. Download any files and email you want to keep first.