When you subscribe to a paid plan (Pro or Growth) on AgroYield Network, you can choose to pay once at the time of subscription OR opt in to monthly auto-renewal. Both paths are equally valid — auto-renewal is an optional convenience, not a default.
Auto-renewal only works for card payments. Bank-transfer payments require manual renewal each period regardless of whether you ticked the opt-in box — there's no NIBSS mandate framework that supports auto-debiting a bank transfer. If you pick "pay by transfer" at our payments partner's checkout, your auto-renewal selection is dropped automatically and you'll need to renew manually at expiry.
How to opt in
On the pricing page (/pricing), after you pick a plan and click Subscribe, you'll see a single emerald-tinted card titled "Optional · stay subscribed without interruption". Tick the checkbox to authorise us to charge your card automatically each month at the same amount, on or near the anniversary day. Leave the checkbox unticked to make a one-off payment for the period you're paying for — your access ends at the end of that period unless you renew manually.
We never pre-tick the checkbox. You have to actively choose auto-renewal — that's how compliance with the Nigeria Data Protection Act and the CBN e-mandate framework works. Pre-ticked boxes don't count as consent.
What we capture when you opt in
When you tick the box, we record:
- The exact amount you authorised (the plan price at the time of subscription).
- The date and time of consent.
- The browser and device you consented from.
- The version of these terms in effect at the time.
If we ever change the plan price OR these terms, the auto-renewal is paused — we won't charge you a different amount than you authorised. You'll get an email asking you to re-consent at the new price before the next renewal.
When we charge
The cron runs daily at 06:00 WAT (Lagos time) and looks for subscriptions expiring within the next 24 hours. For each one with active consent + matching amount, we attempt the charge using the payment token you saved at first checkout. Successful charges extend your subscription by another month and you get a receipt by email. Failed charges enter the dunning state machine — three reminder emails over 7 days, then your subscription downgrades to free if all retries fail.
You'll also get a heads-up email 3 days before each renewal (so you can update your card or cancel if you'd rather). The heads-up copy is different depending on whether you're on auto-renewal ("we'll automatically charge ₦X on Y to keep your access active") or manual renewal ("click here to renew before your access pauses").
How to cancel
Open /account/subscription. Click Cancel auto-renewal. The cancellation takes effect at the end of your current paid period — you don't lose access immediately, you just stop being charged. To re-enable auto-renewal later, subscribe again from /pricing and tick the box.
If you only want to cancel auto-renewal without ending your subscription early, that's the right path. If you want to cancel mid-period and request a refund, contact support@agroyield.africa (refunds are at our discretion and depend on how much of the period you've used).
What if the charge fails
If your card is expired, has insufficient funds, or is declined for any other reason, you'll get an email immediately. You have 7 days to update your payment method on /account/subscription and trigger a manual retry. If you don't, your subscription downgrades to free at the end of the 7-day window — your data is preserved, you just lose access to paid features until you re-subscribe.
Receipts
Every successful auto-renewal charge generates a hosted receipt at /receipt/[id] — open it in any browser to view, print, or save as PDF. Receipts are linked from the renewal confirmation email + listed on /account/subscription under your billing history.
Why we make auto-renewal opt-in
Most subscription products default to auto-renewal because it's better for their revenue. We default to manual because we want you to subscribe because the product is worth it each month, not because cancelling is annoying. Auto-renewal is there when you want the convenience; manual is there when you don't.