How paying for Knacto works. The Service at https://knacto.com is operated by NAVORETA UAB. This document is part of the Terms of Service and should be read together with the Refund & Cancellation Policy.
1. Tokens
Knacto sells prepaid tokens. You pick a pack from the Pricing section, the tokens are credited to your balance, and each Run reserves an estimated cost up front, settles what was actually spent, and returns the difference to your balance. Tokens meter every model call, every tool call and every step on the ledger — nothing gets billed that is not written to the receipt. There is no subscription, no automatic renewal, no per-seat fee and no recurring charge. Top up when it suits you.
2. What tokens cover
Your token spend covers the platform’s operation and, importantly, the third-party AI model calls (OpenAI, Anthropic, Google and the other providers we support) and the built-in tools that a Crew calls on your behalf, as metered on the Pricing page. Where you plug in your own external services — a database, a webhook target, a private API — the costs and terms of those services stay between you and their provider.
3. Prices, currency and taxes
Prices are shown on the Pricing page in EUR. If your card is issued in a different currency, your card scheme or bank does the conversion at its own rate and may add fees that are outside our control. EU VAT and any other applicable indirect taxes are added at checkout in accordance with the place-of-supply rules for digital services. Business customers in the EU can supply a valid VAT identifier so that the reverse-charge mechanism or the relevant exemption is applied.
4. Payment methods
Depending on your country and the provider handling your checkout, we accept major credit and debit cards (Visa, Mastercard and other schemes shown at checkout) and digital wallets such as Apple Pay and Google Pay where these are supported. The methods available on any given day are listed on the checkout screen.
5. Who processes the payment
Payments are handled by third-party payment service providers, whose identities appear on the checkout screen and on your receipt. Those providers act as separate controllers for the payment data they handle. We never see or store your full card number — the platform receives only limited transaction metadata (a transaction reference, the last four digits, the card brand, the settlement amount), which is what we need to issue receipts, keep accounting records and investigate any disputes. The payment transaction itself is governed by the provider’s own terms and privacy notice.
6. Charge and delivery
The card is charged when you confirm the purchase at checkout. Once payment authorisation is complete — including any Strong Customer Authentication step (3-D Secure) required by PSD2 — tokens land on your balance and become immediately available to reserve for a Run. If authorisation fails, no tokens are added. If authorisation succeeds but tokens do not appear, please contact us with the transaction reference before trying again, so we can reconcile the payment against the ledger and either credit the tokens or ask the provider to reverse the charge.
7. Declines, holds and duplicates
A declined payment does not capture funds, but your bank may show a short-lived authorisation hold that clears on its own timetable. If a charge appears on your statement without corresponding tokens on your balance, do not retry the purchase — write to [email protected] with the transaction reference and we will investigate.
8. Card data security
Card details are captured by our payment provider’s PCI-DSS compliant infrastructure and do not touch our servers in full. Only the reduced transaction metadata described above reaches Knacto.
9. Receipts and invoices
A receipt is emailed for every successful purchase and stored in your account. On request we can reissue an invoice showing your business details, VAT identifier where relevant, and the transaction reference. Raise invoice-detail changes within a reasonable time — once an accounting period has closed, reissuing may not always be possible.
10. Fraud, abuse and sanctions
Purchases are screened for signals suggesting fraud, chargeback abuse or coordinated misuse. Where the risk crosses a threshold, a purchase may be blocked at checkout, a transaction held for manual review, or an account paused pending investigation. We do not knowingly accept payments from — and cannot supply the Service to — individuals or entities listed on EU, UK, US or UN sanctions lists, or those located in embargoed jurisdictions. Where a purchase is flagged in error, contact us with the transaction reference and we will look into it.
11. Chargebacks
If you believe a charge is wrong, please contact us before raising a chargeback with your bank — most disputes are resolved quickly by direct exchange. Opening a chargeback before we have had the chance to review may result in the account being paused while the payment provider investigates, and, if a chargeback is decided against a purchase whose tokens had already delivered, we may deduct the equivalent tokens from your balance.
12. Billing contact
For any billing question — a missing receipt, an incorrect invoice, a duplicate charge, a payment that did not go through — write to [email protected] with the transaction reference. Response targets are set out in the SLA.
Contact
NAVORETA UAB · Company code 308066959 · Laisvės pr. 60, LT-05120 Vilnius, Lithuania · +370 666 54187 · [email protected]