Billing FAQ

Both Korean and international cards are supported. Korean cards (Visa/Mastercard/JCB/AMEX/Diners + Kakao Pay/Naver Pay/Payco) route via Toss; international cards (Visa/Mastercard/AMEX/Apple Pay/Google Pay) route via Paddle — automatically.

Check the following: (1) Credit limit exceeded — try another card. (2) International payments blocked (Korean cards) — enable in your card app/call center. (3) Card expired — update to a valid card. (4) CVC mistyped — re-enter. If still failing, contact your card issuer and try again.

Specnote uses an Idempotency Key at checkout to block duplicate charges at the system level. If you see two or more charges with the same order ID, email support@specnote.io with the order ID. We will verify within 24 hours and automatically refund.

Monthly: 30 days after the previous charge. Yearly: 365 days. Same card is charged automatically. We email you at least 7 days before each renewal.

My Page → Billing → click the 'Cancel subscription' button yourself, available 24/7. After canceling, you keep all features until the end of your current billing period; no further auto-renewals occur.

By default, subscription cancellation follows the 'keep using until end of period, no next renewal' policy. To get an immediate refund of an amount already paid, you must apply separately by emailing support@specnote.io per the Refund Policy.

There is no self-service refund menu. Email support@specnote.io with the reason and order ID, and the Company will review and process it. Full refunds are available within 7 days of payment when paid features were not used; otherwise we refund the remaining amount after deducting what you used. See the Refund Policy for full terms. (Subscription cancellation can be done directly from My Page, separately from a refund request.)

Once approved, refunds are initiated to the card issuer within 3-5 business days. The issuer typically takes another 5-14 days to reflect the refund. International cards (Paddle) may take up to 30 days.

Subscription status changes to PAST_DUE immediately and we email you. Within a 7-day grace period, updating your card restores active status; otherwise the subscription is canceled automatically.

Specnote servers never store sensitive card details — card numbers, CVCs, expiry dates. Information is sent directly via Toss/Paddle PCI-DSS-certified payment widgets. Only the recurring-billing key is stored, additionally encrypted with AES-256-GCM.

If you hold a business registration, email support@specnote.io with your business number, order ID, and issuance info. We will issue separately. During beta, this is done manually.

My Page → Billing → Change card. The new card applies from the next auto-renewal. The previous card is securely discarded.