Billing and receipts

1. Who bills you

Spatial Regal Digital Ltd bills Zipper subscriptions. Official invoices and receipts are issued in that name, trading as Zipper. Billing questions: billing@tinyzipper.com.

2. Paystack and recurring payments

Paid self-serve plans are charged through Paystack. After the first successful payment, Paystack stores a reusable authorization and charges it on each renewal (monthly or yearly) until you cancel in the dashboard.

Paystack's published Ghana pricing (paystack.com/gh/pricing) is 1.95% per successful transaction on cards, mobile money, and bank transfers, with no setup, monthly, or maintenance fee, and automatic settlement on the next working day. Paystack does not return that transaction fee when a payment is refunded.

Subscriptions stay closed until Paystack API keys are configured. The Free plan does not require a payment method.

3. Official invoices and receipts

Every charge creates a tax invoice with a unique number in the form TZ-YYYY-000001. When Paystack reports the payment as successful, that document becomes an official receipt. You can download a PDF from Billing → Invoices & receipts.

PDFs are computer-generated. They include seller details, billed party, line items, tax — with VAT, NHIL, and GETFund on separate lines, as the Value Added Tax Act, 2025 (Act 1151) requires for tax invoices from 1 January 2026 — the Paystack reference, and the period covered. No wet-ink signature is required.

4. Cancellation and failed payments

You may cancel at period end. Access continues until the paid period finishes. If a renewal fails, the invoice is marked payment failed and the subscription moves to past due. You keep the paid plan through a 7-day grace window to update your card; if payment still has not succeeded when that window closes, the workspace moves to Free until payment succeeds.

5. Taxes

Since 1 January 2026 Ghana's Value Added Tax Act, 2025 (Act 1151) replaced the old cascading rules: VAT is 15% and the NHIL and GETFund levies are 2.5% each on the same base — 20% in total, down from an effective 21.9% — and the 1% COVID-19 Health Recovery Levy and the VAT Flat Rate Scheme are gone. Where your invoice carries tax, it follows that structure with VAT, NHIL, and GETFund shown as separate lines.

Ghana's Real-Time VAT framework, live from 15 October 2026, withholds VAT at the point of payment on qualifying cross-border digital services — it applies to payments for non-resident suppliers, not to Zipper plans billed in Ghana by Spatial Regal Digital Ltd. If you are outside Ghana, your country's VAT or GST may be added by your payment channel or shown on your receipt.