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Payment Authorisation

This Payment Authorisation explains how Payoff saves your payment method with Stripe at no charge when you start a cycle, and may charge unfinished commitment at the cycle deadline.

Who operates Payoff

Payoff (also referred to as Payoff Goals) is the accountability tool operated by Daniel Kalcina under the registered business name Payoff Goals (ABN 70 838 785 126). In this authorisation, “Payoff”, “we”, “us”, and “our” refer to Daniel Kalcina, trading as Payoff Goals, unless the context clearly means the product itself.

When this applies

This authorisation applies when you choose a Payoff cycle, select your goal, choose your commitment level, accept the checkout terms, and complete Stripe Checkout.

What you pay to start

Starting a cycle is free. Payoff does not charge you at checkout. Instead, it securely saves your payment method with Stripe so that the possible deadline charge described below can be made. No amount is taken from your card when you start a cycle.

Saved payment method

By completing checkout, you authorise Payoff to save your payment method with Stripe and use it for the possible deadline charge described below. Payoff does not store your raw card details. Your payment method is stored and processed by Stripe.

Your authorisation for the deadline charge

For the specific cycle shown at checkout, you authorise Payoff to charge your saved Stripe payment method at or after the cycle deadline for unfinished commitment only. The maximum possible deadline charge is shown before checkout and should not be exceeded for that cycle.

What may be charged later

The later charge is not automatic renewal. It is a one-cycle deadline charge based on the unfinished part of the commitment you selected for that cycle. If the full goal is completed before the deadline, the deadline charge should be $0.

How work reduces the charge

Every focused second counts. Payoff calculates completed focus time second by second and reduces the possible deadline charge from the commitment amount. Partial progress still reduces the possible charge, even if you do not complete the full goal.

Only verified focus counts

During a session, Payoff may ask you to tap a quick check-in to confirm you are still focused. If you miss a check-in or leave the session, the session timer stops, and time away does not count toward reducing your charge. Your completed focus time up to that point is always saved. This is how Payoff keeps the accountability, and the charge, based on real focused work.

Small remaining amounts are waived

If the remaining commitment at the deadline is less than A$1.00, Payoff waives it and does not charge that amount. This only ever reduces what you may be charged.

Examples

If your commitment at risk is $16 and you complete 50% of your required focus seconds before the deadline, the possible deadline charge becomes $8. If you complete 100%, the possible deadline charge becomes $0.

No refund delay model

Payoff is designed so the commitment amount is not charged upfront and refunded later. Instead, nothing is charged upfront, and any unfinished commitment is charged only at the deadline.

No silent repeat

When a cycle ends, Payoff pauses until you choose the next target, commitment level, and cycle. A new commitment cycle should not silently repeat without your choice.

Changing, cancelling, or deleting your account

You can choose not to start another Payoff cycle. If you have already started a cycle, signing out, deleting the app from your browser, or requesting account deletion does not automatically remove an outstanding deadline charge for that active cycle. If you need help with an active cycle, contact support.

Failed payment

If a deadline charge fails, Payoff may pause access until the outstanding amount is resolved. Payoff may retry a failed charge or ask you to update your payment method through Stripe, subject to applicable law and Stripe rules.

Disputes and mistakes

If you believe a charge was incorrect, contact Payoff support promptly at support@usepayoff.com. Payoff will review billing mistakes, failed-payment issues, and incorrect deadline calculations.

Your legal rights

Nothing in this Payment Authorisation is intended to exclude, restrict, or modify rights that cannot be excluded, restricted, or modified under applicable consumer law.

Record of agreement

Payoff records when you accept the payment terms before checkout. Stripe may also keep records of the checkout session, payment method, and payments processed for Payoff.

Last updated: 28 August 2026.