9.4 · Pembayaran & Billing
Metode Pembayaran
| Metode | Platform |
|---|---|
| Payment Gateway (Midtrans / Xendit / Stripe) | Web |
| Transfer Bank / VA | Web |
| E-Wallet (GoPay, OVO, Dana) | Web |
| Kartu Kredit/Debit | Web |
| QRIS | Web |
Alur Billing
| Event | Aksi |
|---|---|
| Subscription dimulai | Akses Member aktif, next billing date di-set |
| Renewal otomatis | Perpanjangan otomatis via payment gateway |
| Payment gagal | Grace period 3 hari, notifikasi ke pengguna |
| Setelah grace period | Downgrade ke Free tier, data tetap tersimpan |
| Cancel subscription | Akses Member tetap aktif sampai periode berakhir |
| Re-subscribe | Akses Member langsung aktif, progress terpulihkan |
Acceptance Criteria
- Pembayaran via payment gateway (Midtrans / Xendit / payment gateway lain) berfungsi
- Subscription auto-renewal bekerja
- Grace period 3 hari setelah payment gagal
- Downgrade ke Free tier berjalan otomatis setelah grace period
- Data dan progress TIDAK hilang setelah downgrade
- Re-subscribe me-restore akses penuh + data lama