Update billing section

_redirects

@@ -62,6 +62,8 @@
 /docs/tutorials                                                        /docs/integrations
 /docs/products/postgresql/reference/list-of-advanced-params            /docs/products/postgresql/reference/advanced-params
 /docs/products/kafka/reference/kstream-data-write-issue                https://aiven.io/changelog#06-12-2023
+/docs/platform/howto/update-tax-status                                 /docs/platform/howto/use-billing-groups
+/docs/platform/concepts/tax-information                                /docs/platform/concepts/hourly-billing-model
 
 # Moved to https://aiven.io/developer
 /docs/tools/terraform/reference/cookbook                                        https://aiven.io/developer/terraform

_toc.yml

@@ -34,13 +34,12 @@ entries:
     title: Billing and payments
     entries:
     - file: docs/platform/concepts/hourly-billing-model
-    - file: docs/platform/concepts/corporate-billing
-    - file: docs/platform/concepts/tax-information
-    - file: docs/platform/howto/update-tax-status
     - file: docs/platform/howto/list-billing
       title: Payment methods
       entries:
+      - file: docs/platform/concepts/corporate-billing
       - file: docs/platform/howto/manage-payment-card
+      - file: docs/platform/howto/pay-by-bank-transfer
       - file: docs/platform/howto/list-marketplace-payments
         title: Marketplace subscriptions
         entries:

docs/platform/concepts/corporate-billing.rst

@@ -1,31 +1,28 @@
-Corporate billing
-=================
+Payment methods overview
+=========================
 
-Everyone has their preferred way of paying for services. At Aiven, we give you the flexibility to pay by credit card or receive invoices for your Aiven services.
+Payment methods give you the flexibility to choose how you pay for the charges made to each :doc:`billing group </docs/platform/concepts/billing-groups>`. Each billing group can have a different payment method, and you can use the same payment method across multiple billing groups.
 
-Credit card payments
-"""""""""""""""""""""
+Payment cards 
+""""""""""""""
 
-The default billing method for all new Aiven customers is credit card. All costs accrued over a calendar month are charged on the first day of the following month. 
-
-Services are billed by the hour. The costs are automatically calculated based on the services running in a project. Each project is charged separately, but the charges for multiple projects can be consolidated by assigning them to a :doc:`billing group </docs/platform/concepts/billing-groups>`. Likewise, :doc:`organizations </docs/platform/concepts/projects_accounts_access>` can have multiple billing groups. 
+The default billing method for all new Aiven customers is credit card. You :doc:`add a payment card </docs/platform/howto/manage-payment-card>` and then add it to a billing group. All costs accrued over a calendar month for the projects assigned to the billing group are automatically charged to that payment card on the first day of the following month. 
 
 Credit card fees
-""""""""""""""""""
+.................
 
-The prices listed of our website and in your invoices are inclusive of all credit card and processing fees related to the charges that are visible to us and payable by us. This includes transaction fees with our credit card processor (Stripe) and the fees various card issuers charge from merchants.
+The prices on the Aiven website and in your invoices include all credit card and processing fees related to the charges that are visible to and payable by Aiven. This includes transaction fees with the credit card processor, Stripe, and the fees that card issuers charge from merchants.
 
-Some credit card issuers may unfortunately add extra charges on top of the fees charged by us from your cards. The most common such fee is an "international transaction fee" charged by some issuers for all transactions where the native countries of the merchant (in case of us, Finland), processor (in case of us, United States), bank and card are different. The fee may be applied even if the card was charged in the card's default currency (USD).
+Some credit card issuers add extra charges on top of these fees. The most common fee is an international transaction fee. Some issuers add this charge for all transactions where the native country of the merchant (for Aiven, Finland) and processor (for Aiven, the United States) bank and card are different. The fee may even be applied if the card was charged in the its default currency (USD).
 
-Such fees are not added by Aiven and are not visible to us or our credit card processor, and we're thus unable to include them in our prices or waive the fees.
+These fees are not added by Aiven. They are not visible to Aiven or our credit card processor, so we're unable to include them in our prices or waive them.
 
-Invoice payments
-"""""""""""""""""
+Bank transfers 
+"""""""""""""""
 
-We offer corporate billing options for customers who have at least 1,000 USD in monthly recurring revenue (MRR). This corporate billing option provides monthly invoices that are generated at the end of the month based on actual usage.
-The invoices for usage are automatically generated by our backend, and a PDF is emailed to the billing email address configured in the Aiven Console.
+Customers who have at least 1,000 USD in monthly recurring revenue (MRR) can :doc:`request to pay their invoices by bank transfer </docs/platform/howto/pay-by-bank-transfer>`. With this payment method enabled, your billing contacts get monthly invoices in PDF format by email. These invoices are generated at the end of the month based on actual usage. 
 
-Prices for Aiven services are always defined in US dollars, but invoices can also be sent in other currencies. Invoices in different currencies are created based on the exchange rates on the date of the invoice:
+Prices for Aiven services are always in US dollars, but invoices can also be sent in the following currencies. Invoices in different currencies are created based on the exchange rates on the date of the invoice.
 
 * Australian dollars
 
@@ -47,6 +44,4 @@ Prices for Aiven services are always defined in US dollars, but invoices can als
 
 * Swedish kronor
 
-*  US dollars
-
-To switch from credit card charges to corporate billing, :doc:`make sure your billing group details and billing email addresses </docs/platform/howto/use-billing-groups>` are up to date in Aiven. Then, contact sales@Aiven.io to request invoice billing. 
+* US dollars

docs/platform/concepts/hourly-billing-model.rst

@@ -1,14 +1,15 @@
 Billing overview
 =================
 
-In the **Billing** section of the `Aiven Console <https://console.aiven.io>`_, you can manage your :doc:`billing groups </docs/platform/concepts/billing-groups>`, :doc:`payment cards </docs/platform/howto/manage-payment-card>`, and view and download your invoices.
+Super admin and account owners can manage :doc:`billing groups </docs/platform/concepts/billing-groups>`, :doc:`payment methods </docs/platform/concepts/corporate-billing>`, and view and download invoices in the **Billing** section of the `Aiven Console <https://console.aiven.io>`_.
 
-To access billing features, you must be a super admin or account owner.
 
 Service charges
 ----------------
 
-The prices shown in the Aiven console are all-inclusive, meaning that all of the following are included in the hourly service price:
+Services are billed by the hour. The costs are automatically calculated based on the services running in a project. Each project is charged separately, but the charges for multiple projects can be consolidated by assigning them to a billing group.
+
+The prices shown in the Aiven Console are all-inclusive, meaning that all of the following are included in the hourly service price:
 
 * Virtual machine costs
 * Network costs
@@ -20,8 +21,32 @@ The prices shown in the Aiven console are all-inclusive, meaning that all of the
 
     Use of PrivateLink and additional storage will incur additional costs on top of the hourly service usage rate.
 
-The minimum hourly charge unit is one hour. For example, when you launch an Aiven service and terminate it after 40 minutes, you will be charged for one full hour.  Likewise, if you terminate a service after 40.5 hours, you will be charged for 41 hours.
+The minimum hourly charge unit is one hour. For example, when you launch an Aiven service and terminate it after 40 minutes, you are charged for one full hour. Likewise, if you terminate a service after 40.5 hours, you will be charged for 41 hours.
+
+:doc:`Terminating or pausing a service <../howto/pause-from-cli>` will stop the accumulation of new charges immediately. However, the minimum hourly charge unit still applies before the service is terminated or paused.
+
+Migrating a service to another cloud region or to a different cloud provider does not incur any additional costs.
+
+Taxes for Aiven services
+-------------------------
+
+Aiven services are provided by Aiven Ltd, a private limited company incorporated in Finland. Aiven's tax status varies by regions. None of the marketed prices include value-added or other taxes.
+
+European Union
+~~~~~~~~~~~~~~~
+
+Finnish law requires Aiven to charge a value-added tax for services provided within the European Union (EU). The value-added tax percentage depends on the domicile of the customer.
+
+For business customers in EU countries other than Finland, we can apply the reverse charge mechanism of 2006/112/EC article 196 when a valid VAT ID :doc:`is added to the billing information </docs/platform/howto/use-billing-groups>` for a billing group.
+
+United States
+~~~~~~~~~~~~~
+
+According to the tax treaty between Finland and the United States (US), no direct tax needs to be withheld from payments by US entities to Aiven. Although a W-8 form is not required to confirm this status, Aiven can provide a W-8BEN-E form describing its status. Contact the sales team at sales@Aiven.io to request one. 
+
+Aiven does charge US sales taxes in several states. The applicability of these taxes depends on various factors, such as the taxability of Aiven services and tax thresholds.
 
-:doc:`Terminating or pausing a service </docs/platform/howto/pause-from-cli>` will stop the accumulation of new charges immediately.  However, please note that the minimum hourly charge unit still applies prior to terminating or pausing a service.
+Rest of the world
+~~~~~~~~~~~~~~~~~~
 
-Migrating a service to another cloud region or to a different cloud provider does not incur any additional costs.
+No EU value-added tax is applied to services sold outside the EU as described in the Value-Added Tax Act of Finland section 69h. Finland has tax treaties with most countries in the world affirming this status. Aiven reserves the right to charge any  taxes required by the customer's local tax legislation.

docs/platform/howto/manage-payment-card.rst

@@ -6,7 +6,6 @@ You can add a payment card to your organization and use it as the payment method
 
 Add a payment card
 ~~~~~~~~~~~~~~~~~~~~
-To add a payment card in the `Aiven Console <https://console.aiven.io/>`_: 
 
 #. Click **Billing**. 
 #. Click **Payment methods**.

docs/platform/howto/pay-by-bank-transfer.rst

@@ -0,0 +1,11 @@
+Pay by bank transfer 
+=====================
+
+Customers with at least 1,000 USD in monthly recurring revenue can make payments by bank transfers. You can request this payment method be enabled for your organization in the `Aiven Console <https://console.aiven.io/>`_:
+
+#. Click **Billing**. 
+#. Click **Payment methods**.
+#. On the **Bank transfers** tab, click **Contact sales**. 
+#. Enter the billing information for your company and click **Send request**.
+
+After the bank transfers payment method is enabled, you can use it as the payment method for one or more billing groups.  

docs/platform/howto/use-billing-groups.rst

@@ -15,7 +15,7 @@ Rename billing groups
 Update your billing information
 """"""""""""""""""""""""""""""""
 
-To change the payment card, address, billing contacts, or other billing details:
+To change the payment card, billing address, billing contacts, VAT ID, or other billing details:
 
 #. Select the name of the billing group that you want to update.