Three modes, clearly separated — you choose how your bot handles its costs and income.

Mode B enables the end-user checkout via Zeptix. Instead of your owner pool being charged for every user message, the end user buys either credit packs (one-time purchase) or visitor subscriptions (monthly) directly in the Zeptix checkout. Zeptix handles invoicing, VAT, refund handling and Stripe processing. From Pro, a revenue share for you is added on top.

Because it takes the load off you. Otherwise every end-user message draws from your monthly owner credit allowance. As soon as end users buy their own credits, your owner pool stays free for the builder, training, analytics and zeptix.ai. On Starter it's purely a cost tool, not an earnings tool — revenue share only comes from Pro.

As soon as end users pay in the Zeptix checkout, a calculated owner share is booked internally. The payout happens at the earliest 14 days after the purchase via Stripe Connect — the reserve shields against chargebacks. The actual minimum payout amounts and cadence are shown in the dashboard.

From the gross revenue, 19% VAT, Stripe fees, a reserve for possible refunds and the AI costs of the purchased credits are deducted. Only the remaining surplus flows into the owner share. The exact payout amount per sale is shown transparently in the dashboard.

In Mode B (Zeptix checkout), Zeptix is the seller to the end user — Zeptix issues the invoice, collects VAT and pays you a share. In Business-Direct you sell yourself: your own Stripe account, your own prices, your own invoice, your own refund logic. Zeptix only takes a platform fee. Business-Direct is limited to the Business plan.

No. You choose exactly one mode per bot, so that end users aren't confused by two parallel sources at checkout and refunds can be assigned clearly. Switching between modes is possible in the dashboard, but it ends existing subscriptions in the current mode.

Existing subscriptions continue until the end of the period — we don't cancel any end user in the background. In the dashboard you can pause or initiate refunds. On a downgrade (e.g. Pro → Starter), the revenue share is disabled; existing subscriptions run out and new ones can no longer be taken out.

In Mode B, Zeptix sells under a reseller model — invoicing, VAT and right of withdrawal run through Zeptix. But you need your own legal notice (Impressum) and your own privacy policy for your bot. In Business-Direct you are the contractual partner of your end users yourself and additionally need your own terms of service, your own withdrawal policy, and you must account for VAT through your own Stripe.

Before the first activation, you must read and explicitly accept the owner revenue-share and platform Stripe agreement (Master Terms § 4 (9)). It bindingly governs the seller role, the share model, refund handling and termination. Your acceptance is logged with your user ID, timestamp and IP address.

On a refund or chargeback of an end-user purchase, Zeptix sets the billing event and the associated owner share to “reversed”. The originally granted credits are reversed from the end-user balance — but at most down to 0 (there are no negative balances). Owner shares already paid out can be offset against future payouts.

No. Credits on Zeptix are purely technical usage units for the respective chatbot and are not a means of payment within the meaning of the German Payment Services Supervision Act (ZAG), not e-money within the meaning of § 1a (3) ZAG and not a crypto deposit. Credits CANNOT be paid out to the end user, CANNOT be transferred to other end users, CANNOT be exchanged between bots, CANNOT be traded or resold, and there is no peer-to-peer or swap function. Anyone who buys credits buys the right to use them for AI answers in exactly this chatbot — no more and no less. If the business relationship with the chatbot ends, unused credits expire in accordance with the end-user terms without compensation.

No. Mode B is infrastructure — not an income guarantee. How much you actually earn depends exclusively on factors you control yourself: traffic to your bot, conversion rate, chosen free limit, pricing of your end-user products, chosen AI tier (affects AI costs) and refund rate. We deliberately avoid “€ X per month” examples, because in practice these fluctuate heavily and can quickly create the impression of a promise we aren't allowed to make. In the dashboard you can see transparently after every single transaction how much of a purchase reaches you — that's the most honest data basis for a projection. Plan conservatively.