Payment
The Payment page manages your Paloma365 subscription, billing history, and account balance top-up.
How to Access
Navigate to: Sidebar > Account > Payment
Route: /account/payment
Quick actions:
Overview
Paloma365 operates on a subscription model. The Payment page shows your balance, monthly payment, unpaid invoices, transaction history, and lets you pay by whichever method suits you.
When invoices are issued: the invoice is issued on the 1st and must be paid by the 10th. If the balance is short, the page shows a "Critically important" block and a "…days until service is blocked" counter.
Discount for paying ahead
The "Choose a period — get a discount" block lets you pay for several months at once:
| Period | Discount |
|---|---|
| 1 month | no discount |
| 3 months | 5% |
| 6 months | 10% |
| 12 months | 15% |
Next to the selected period the system shows "Total due for the selected period" and how much you save.
Two conditions, both stated on the page itself:
- The discount applies only when the whole period is paid in one payment. A partial top-up does not activate it.
- After paying, send the payment confirmation here in the chat — a specialist applies the discount to your balance.
There is also a "Custom amount" option — an arbitrary top-up, with no discount.
How and when the discount arrives
The discount does not reduce the invoice — it arrives as a bonus on your balance, as a separate entry. In the transaction history you will see a line like "Prepayment bonus discount, 12 months (15%)".
It is calculated from your monthly fee. A 15% discount for a year means you pay the cost of 12 months minus 15%, and your balance ends up holding the full 12 months. Example at a 10,000 ₸ monthly fee: you pay 102,000 ₸, the bonus adds 18,000 ₸, and the balance holds 120,000 ₸ — exactly one year.
When exactly. The bonus is granted after the money has actually reached your balance, and a specialist confirms it — so it is not instant. Usually within one business day; for bank transfers the clock starts when the funds are credited (1–2 business days), not when you issued the payment order. If more than two business days have passed since crediting, write to us here and we will check.
The amount is calculated from a full month. The monthly fee is taken from your invoices for a full month. So for a new account, whose first invoice covers a partial month (from the registration date or the end of the free period), the bonus is granted after the first full month of service. Nothing is lost in the meantime: the prepayment sits on your balance, and the bonus is added once the monthly fee is known.
The bonus pays for the service and is not refundable in cash. It sits on your balance and is spent on monthly invoices just like a regular top-up, but it cannot be withdrawn or returned.
Topping up to the next tier works. If you paid for 6 months and received 10%, then topped up to a full year, you get 15% on the whole amount: the difference between the tiers is granted as an additional bonus rather than being lost.
Important about topping up. The amount you top up does not guarantee a fixed number of days: if your plan configuration changes, the same funds may last fewer or more days.
Payment methods
- Pay from balance — charge the invoice against your topped-up balance.
- Pay by card — credit or debit card.
- Pay via Kaspi.kz — opens the Kaspi payment page with your account number and the amount already filled in.
- RF payment — for clients paying from Russia.
You can also top up with cash at our office or by bank transfer. For a transfer click "Issue invoice", then "Print invoice" to get an invoice with the bank details.
BIN or IIN for an invoice with bank requisites
An invoice carries bank requisites only when the account has a BIN or IIN (12 digits): it goes onto the invoice as the buyer details, and without it the bank will not accept the payment.
If no BIN is stored yet, you are asked for it the moment you issue an invoice or send it to print. You can also enter or review it at any other time — the "General information" tab, block "Payer details".
You may decline: the invoice is still issued, but without bank requisites — it cannot be paid by bank transfer, leaving card, Kaspi.kz, and payment from balance. A BIN or IIN belongs to a single account; if the system says it is already registered on another account, contact support.
Step-by-Step Guide
- Go to Account > Payment.
- Review your Balance and Monthly payment.
- Unpaid invoices are listed in the "Unpaid invoices" block — with amount, object, and due date.
- Choose a billing period (1, 3, 6, or 12 months) — the total is recalculated with the discount.
- Click "Pay" and choose a payment method.
- When paying for a discounted period, send the payment confirmation in the chat.
FAQ
What happens when my balance runs out?
The system warns you in advance: a "Critically important" block appears with a countdown of days until the service is blocked. If payment does not arrive, access is blocked and the page shows "Access blocked" with "Pay the outstanding amount to unblock".
My account was blocked for non-payment — what do I do?
Pay the outstanding amount using any method above; access is restored once the payment arrives. If you have already paid and access has not returned, write here and attach the payment confirmation — a specialist will check it and unblock the account.
What is the discount for 3, 6, and 12 months?
5%, 10%, and 15% respectively, when the whole period is paid in one payment. A partial top-up does not activate the discount.
I paid for a year — when does the discount arrive?
The discount arrives as a bonus on your balance, as a separate entry, once the money has actually reached the balance, and a specialist confirms it. Usually the same or the next business day; for bank transfers the clock starts when the funds are credited (1–2 business days), not when you issued the payment order. If more than two business days have passed since crediting, write to us here and we will check.
Why has the discount not been granted yet?
The most common reasons, in order of frequency:
- The money has not been credited yet — a bank transfer takes 1–2 business days. Card and Kaspi.kz payments are credited immediately.
- The whole period was not paid in one payment. The discount is based on a single payment for the chosen period; several small top-ups do not reach a tier.
- The amount fell short of the tier. Tiers are calculated from your monthly fee: 3 months means three monthly fees minus 5%, and so on. Slightly less than that gives a lower tier, or nothing.
- The account is new and there has been no full month yet. The monthly fee is taken from an invoice for a full month, and the first invoice usually covers only part of one. The bonus is granted after the first full month — your prepayment stays on the balance.
- There is an outstanding debt. The discount is for paying ahead; an amount that cleared a debt does not count as prepayment. The invoice for the current month is not treated as debt here.
If none of these fit, write to us here and we will look at your calculation.
Can the bonus be refunded in cash?
No. The bonus sits on your balance and is spent on monthly invoices like a regular top-up, but it cannot be withdrawn or returned as money.
I paid for 6 months and now want to top up to a year. Will the discount be recalculated?
Yes. You will get 15% on the whole amount: the difference between the tiers is granted as an additional bonus. The 10% already granted is taken into account and is not granted twice.
Can I change my subscription plan?
Yes. Write here in the chat: a specialist will pick the right plan and recalculate the cost for your configuration — number of sales points, workplaces, and enabled modules.
Where can I see what I am being charged for?
In the "Invoices" and "Transaction history" blocks: every issued invoice with its object, price per month, status, and expiration date.