# Credit and invoices Credit is the prepaid balance that pays for your jobs. You top up with a card, and Hangar issues a tax invoice for each top-up. You pay in whole Australian dollars, including GST. Paid credit does not expire. Hangar charges nothing for a job that does not start. This page explains how credit works, what the limits on a new account are, and how cancellations and refunds return credit. All prices and amounts are in Australian dollars and include GST. ## Signing up Everyone starts at gethangar.au/login with their work email, whether or not they have an account. Hangar emails a six-digit code and a link. The code and the link each work once, for 10 minutes, in the browser where you started. The code proves your address. You then create a passkey. The passkey is your second factor from the first session. After that, you give your organisation's legal name, its ABN or ACN and the country that controls the organisation. Your first top-up and first booking can follow at once, because the code has already confirmed your address. Hangar checks three things at sign-up: - **The Australian Business Register.** Hangar looks up the ABN or ACN through the ABN Lookup service. Hangar records these facts: - the entity name and type; - the status and the date that the status took effect; - the GST registration and its date; - the ACN, the state and postcode, and the registered business names. An active ABN or ACN is required. Hangar accepts a sole trader's ABN. - Hangar refuses a cancelled ABN with `abn_cancelled`. Hangar refuses an ABN that the register does not hold with `abn_not_found`. Enter the correct number and sign up again. A person at TALOS Defence reviews every refused sign-up. - Hangar compares the legal name that you give with the register's entity name and registered business names. Hangar does not use trading names, because the register stopped collecting trading names in May 2012 and they have no legal status. A person checks a name that matches neither before the account opens. - When the register does not answer, a person checks the sign-up. Hangar asks the register again until the register answers. - **The DFAT Consolidated List.** Hangar downloads the Australian sanctions list every day. Hangar screens the declared name, the registered entity name and the registered business names against the list. - **The country of control** that you declare. Most sign-ups open at once. A person at TALOS Defence checks some sign-ups first, and Hangar tells you so on the page and by email. A person reviews every sign-up that does not open. The privacy policy states how Hangar uses this information. ## Accepting the terms Before the first top-up and the first booking, an owner of your organisation accepts the current terms of service, acceptable use policy and privacy policy. Hangar records which versions the owner accepted, who accepted them, and the SHA-384 digest of each document. When a document changes, an owner accepts the new version before your next booking or top-up. The page links to what changed. ## Topping up An owner tops up from the credit page on the website. Payment is by card through Stripe Checkout, with 3-D Secure and Stripe's fraud screening. The card's billing address is in Australia. - A top-up is a whole number of dollars. - The credit arrives within a minute of payment. - Paid credit does not expire. ## Tax invoices Every top-up has a tax invoice, issued by Stripe for TALOS Defence Pty Ltd. The invoice shows one total including GST, with the GST amount. An invoice of A$1,000 or more also shows your organisation's name as the Australian Business Register records it, and its ABN, or its ACN when the organisation has no ABN. Hangar records whether your ABN is registered for GST, and from which date. Hangar accounts for GST when the top-up is paid. The invoice link is on the credit page, beside the top-up. ## Credit from the API | Call | What it does | |---|---| | `GET /v1/credit` | Returns the balance lines, the top-ups with their state and invoice links, promotional credit, the newest 200 ledger entries, and the current top-up limits. The limits are the smallest and largest top-up, the most that you may top up today under the new-account limits, and when that limit lifts. | | `POST /v1/credit/topup` | An owner opens a Stripe Checkout for a whole number of dollars including GST. The answer gives the Checkout address, which accepts payment for 31 minutes. Stripe then returns you to the credit page of the website. | | `GET /v1/credit/invoices` | Lists every tax invoice of your top-ups: the number, the date paid, the total, the GST in the total, and the PDF and web links. | | `GET /v1/credit/invoices/{id}` | Returns the tax invoice of one top-up. | | `GET /v1/credit/ledger` | Returns the newest 200 ledger entries. | ## A top-up's state Each top-up in `GET /v1/credit` has a state: | State | What it means | |---|---| | `open` | The card payment page is open and waiting for a card. | | `declined` | The bank declined the last card. The payment page stays open for its 31 minutes, and another card on the page completes the top-up. `decline_code` gives the bank's reason, such as `insufficient_funds`. | | `usable` | Paid. The credit is in your balance. | | `held` | Paid, and a person is checking the top-up before its credit can be used. | | `refused` | Paid, and the check refused the top-up. TALOS Defence refunds the top-up to the card. | | `expired` | The payment page closed without a payment. Nothing was charged. | | `failed` | The payment page could not open. Nothing was charged. Hangar shows this state for 24 hours. | A declined, held or failed top-up has a `message` field. The `message` field has the same sentence and next step that the website shows. ## Your balance The credit page shows these lines: | Line | What it is | |---|---| | Usable | What you can book with now | | Paid credit | Credit that you bought, after bookings have used part of it | | Promotional credit | Credit that TALOS Defence gave you, with its expiry date | | Held | Credit that a held booking reserves until you confirm the booking | | Under review | A top-up that a person is checking before its credit can be used | Hangar uses promotional credit before paid credit. Hangar uses the promotional credit that expires soonest first. Unused promotional credit ends on its expiry date. Paid credit stays until you use it. ## New accounts Every account pays from prepaid credit. A new account can add any whole-dollar amount, from the smallest to the largest top-up, on its first day. These limits apply to a new account. The credit page shows the date that each limit ends: - GPU time is paid from prepaid credit. - You can hold one GPU slot at a time, until three of your slots have completed or thirty days have passed. - You get one free sandbox hour for each card and phone number. If your work needs more sooner, contact TALOS Defence support. A person then reviews the limit. ## Bookings and cancellations When you hold a slot, Hangar reserves the slot's price from your credit for ten minutes. When you confirm the slot, Hangar charges the price. | You cancel | What happens to the credit | |---|---| | A held slot, before you confirm it | The reserved credit returns at once | | A confirmed slot, 48 hours or more before it starts | The full price returns to your credit at once | | A confirmed slot, inside 48 hours | Hangar offers the hours for booking again. Credit returns for the hours that someone books again, in proportion | When a fault on Hangar's side affects a slot, Hangar returns credit for the slot automatically and names the incident on your credit page. ## Refunds to your card Credit is spent on Hangar. A person at TALOS Defence makes a refund of credit to your card through Stripe. The refund appears on your credit page as a refund. Ask TALOS Defence support. A refund that TALOS Defence makes in Stripe lowers your credit by the same amount, including its GST. A partial refund lowers your credit by the amount refunded. If a refund fails at the bank, Hangar puts the amount back. If you have already spent the credit, your balance goes below zero until you top up. ## Disputes If you dispute a card payment with your bank, new bookings for your organisation pause while TALOS Defence and you resolve the dispute. Slots that you already confirmed keep running. If your bank decides the dispute against TALOS Defence, Hangar lowers your credit by the disputed amount. ## Records Every top-up, acceptance, booking, cancellation and refund is a signed record in the chain of your organisation. The ledger of your credit is append-only: Hangar never changes or removes an entry, and Hangar computes your balance from the entries. TALOS Defence reconciles the ledger with Stripe every night.