Subscription & Billing

Understanding Prism Wallet Premium and billing

Learn about Prism Wallet's subscription options, billing processes, and how to manage your subscription effectively.

Subscription Tiers

Free Plan

Perfect for getting started

Includes:

✅ 1 connected bank account
✅ Basic budgeting tools
✅ Transaction categorization
✅ Essential insights
✅ Manual transaction entry
✅ Basic support

Limitations:

❌ Only 1 financial institution
❌ Limited insight depth
❌ No custom categories
❌ Standard sync frequency
❌ No priority support

Premium Plan

Unlock full potential - $8.99/month or $79.99/year

Everything in Free, plus:

✅ Unlimited accounts - Connect all your banks
✅ Advanced insights - AI-powered deep analysis
✅ Custom categories - Personalize your tracking
✅ Priority sync - Faster transaction updates
✅ Receipt scanning - Attach receipts to transactions
✅ Export tools - Advanced export options
✅ Priority support - Fast response times
✅ Early access - New features first

Free Trial

7-Day Premium Trial

Every new user gets:

Full Premium access for 7 days
No credit card required upfront
All features unlocked
Cancel anytime

Trial Tips

Make the most of your trial:

Connect all your accounts
Set up comprehensive budgets
Explore advanced insights
Test premium features
Decide before day 7

Subscription Management

In-App Purchase:

Go to Settings → Subscription
Choose Monthly or Annual
Tap "Subscribe"
Authenticate with App Store
Confirmation appears

Payment Methods:

Apple App Store (iOS)
Google Play Store (Android)
Credit/debit via app stores
Gift cards (app store credit)

Changing Plans

Upgrade to Premium:

Settings → Subscription
Select "Upgrade to Premium"
Choose billing period
Confirm purchase

Switch Billing Period:

Cancel current subscription
Wait for expiration
Resubscribe with new period
No data lost

Managing Your Subscription

View Status:

Current plan type
Next billing date
Payment method
Subscription history

Update Payment:

Managed through App Store/Play Store
Update card in device settings
Prism Wallet doesn't store payment info

Billing Details

Billing Cycles

Monthly Plan - $8.99

Billed every 30 days
Auto-renews unless cancelled
Cancel anytime
Access until period ends

Annual Plan - $79.99

Billed once per year
Save $27.89 (26% discount)
Same cancellation policy
Best value option

Payment Processing

Handled by Apple/Google
Secure payment processing
No payment info to Prism
Store handles disputes

Billing Issues

Payment Failed:

Check payment method valid
Sufficient funds/credit
Update in app store
Retry subscription

Duplicate Charges:

Check family sharing
Verify one subscription
Contact app store support
We'll help investigate

Cancellation

How to Cancel

iOS (iPhone/iPad):

iPhone Settings → Your Name
Tap Subscriptions
Select Prism Wallet
Tap "Cancel Subscription"
Confirm cancellation

Android:

Open Google Play Store
Tap profile icon
Payments & subscriptions
Select Prism Wallet
Cancel subscription

After Cancellation

Access continues until period ends
No partial refunds (store policy)
Data remains accessible
Can resubscribe anytime

Downgrading to Free

When subscription ends:

Keep 1 connected account (you choose)
Other accounts become read-only
Historical data preserved
Basic features remain

Share Premium with family
Up to 6 family members
One subscription for all
Each has own account

Setup Process

Enable Family Sharing in iOS
Subscribe to Premium
Share with family group
Each downloads app
Premium activates automatically

Refunds

Refund Policy

Handled by App Store/Play Store
Generally within 48 hours
Must request through store
We support your request

How to Request

iOS: reportaproblem.apple.com Android: Play Store order history

Common Refund Reasons

Accidental purchase
Didn't cancel trial
Technical issues
Not as expected

Premium Features Deep Dive

Unlimited Accounts

No restrictions on connections
Multiple banks supported
Investment accounts included
Business accounts allowed

Advanced Insights

Predictive analytics
Peer comparisons
Saving opportunities
Investment insights

Priority Support

24-hour response time
Direct email access
Priority bug fixes
Feature requests considered

Frequently Asked Questions

Q: Can I pause my subscription? A: Not directly, but you can cancel and resubscribe later without losing data.

Q: What happens to my data if I cancel? A: All data is preserved. You can access with limitations or resubscribe for full access.

Q: Can I share my subscription? A: Yes, through iOS Family Sharing. Android sharing coming soon.

Q: Are there student discounts? A: Not currently, but the annual plan offers significant savings.

Q: Can I expense Prism Wallet? A: Many users expense it as financial software. We provide receipts.

Business Accounts

Prism Wallet for Business

Coming soon:

Team subscriptions
Expense management
Multiple user access
Business insights

Enterprise Options

Volume discounts
Custom features
Priority onboarding
Dedicated support

Promotional Offers

Current Promotions

Check app for latest offers
Holiday discounts
Referral bonuses
Special partnerships

Settings → Subscription
Tap "Add Promo Code"
Enter code
Discount applies at checkout

Subscription Tips

Maximize Value

Use all features - Explore everything Premium offers
Connect all accounts - More data = better insights
Set up budgets - Take advantage of advanced budgeting
Regular reviews - Use insights to save money
Annual savings - Switch to yearly for best price

Track ROI

Premium pays for itself by:

Finding forgotten subscriptions
Identifying savings opportunities
Preventing overdrafts
Optimizing spending

Contact Billing Support

For Billing Issues

In-app: Settings → Help → Billing
Email: billing@prismwallet.app
Store support for payment issues

Information to Provide

Account email
Subscription type
Issue description
Screenshots if applicable

Remember: Premium features can help you save more than the subscription cost through better financial insights and management!