Card Decline Causes:
├── Expired card: Check expiration date on your card
├── Insufficient funds: Verify account balance or credit limit
├── International transaction blocked: Bank blocks foreign transactions
├── Security hold: Bank flags transaction as suspicious
├── Incorrect card details: Wrong number, CVV, or billing address
├── Card not activated: New card not yet activated
├── Daily/monthly limits: Transaction exceeds card limits
└── Issuer restrictions: Bank policy blocks certain merchant types

Bank-Side Issues:
├── Fraud protection: Automatic fraud detection systems
├── Geographic restrictions: Card restricted to certain regions
├── Merchant category blocking: Bank blocks AI/software services
├── Velocity checking: Too many transactions in short time
├── Address verification: Billing address doesn't match
├── 3D Secure: Additional authentication required
├── Network issues: Temporary payment network problems
└── Maintenance: Bank payment systems under maintenance

Quick Fixes:
├── Retry payment: Sometimes temporary issues resolve quickly
├── Check card details: Verify all information is correct
├── Try different card: Use backup payment method
├── Contact bank: Call bank to authorize transaction
├── Update billing address: Ensure address matches bank records
├── Clear browser cache: Remove stored payment data
├── Try different browser: Some browsers have payment issues
└── Use incognito mode: Avoid browser extension interference

Alternative Payment Methods:
├── Different credit card: Visa, MasterCard, American Express
├── Debit card: Sometimes works when credit card fails
├── PayPal: If available for your region and plan
├── Bank transfer/ACH: Available for Teams and Enterprise plans
├── Wire transfer: For large Enterprise payments
├── Invoice payment: Available for Enterprise customers
├── Cryptocurrency: Check if available in your region
└── Company credit card: Use corporate card instead of personal

Contacting Your Bank:
├── Call customer service: Use number on back of card
├── Explain transaction: "Subscription payment to Impulsum AI"
├── Provide details: Amount, date, merchant name
├── Request authorization: Ask them to approve the transaction
├── Add to whitelist: Request merchant be whitelisted
├── Check restrictions: Ask about international transaction settings
├── Verify limits: Confirm daily/monthly transaction limits
└── Get reference number: Document the authorization

Information to Provide Bank:
├── Merchant name: Impulsum AI or payment processor name
├── Transaction amount: Exact amount being charged
├── Transaction date: When payment was attempted
├── Your account details: Confirm your identity and account
├── Business justification: Explain it's for business software
├── Recurring nature: Explain it's a monthly/annual subscription
├── Geographic location: Confirm merchant location if asked
└── Previous successful payments: Reference past successful transactions

Avoiding Future Declines:
├── Update payment info: Keep card details current
├── Set up auto-update: Enable automatic card updates if available
├── Monitor expiration: Set reminders for card expiration
├── Maintain sufficient funds: Ensure adequate balance/credit
├── Notify bank of recurring charges: Inform bank about subscription
├── Use business cards: Business cards often have fewer restrictions
├── Multiple payment methods: Keep backup payment methods on file
└── Annual payments: Reduce frequency of payment processing

Payment Method Best Practices:
├── Primary method: Use most reliable card as primary
├── Backup method: Always have secondary payment method
├── Business vs personal: Use business cards for business subscriptions
├── International cards: Ensure cards work for international transactions
├── Credit vs debit: Credit cards often have better success rates
├── Bank relationships: Use cards from banks you have good relationships with
├── Payment timing: Avoid end-of-month when accounts may be low
└── Communication: Keep bank informed about business software subscriptions

Supported Payment Methods:
├── Credit Cards: Visa, MasterCard, American Express, Discover
├── Debit Cards: Most major debit cards accepted
├── PayPal: Available in most regions for individual plans
├── Bank Transfer (ACH): Teams and Enterprise plans in US
├── Wire Transfer: Enterprise plans, international customers
├── Invoice Payment: Enterprise customers with credit approval
├── Corporate Cards: Business credit cards and procurement cards
└── Regional Methods: Local payment methods in some countries

Payment Method Priority:
├── Primary method: Charged first for all payments
├── Backup method: Used if primary method fails
├── Automatic retry: System retries failed payments automatically
├── Grace period: 7-day grace period for payment resolution
├── Service continuation: Service continues during grace period
├── Suspension: Service suspended after grace period expires
└── Reactivation: Automatic reactivation when payment succeeds

Common Payment Method Issues:
├── Card not accepted: Check if card type is supported
├── Payment method expired: Update with new expiration date
├── Billing address mismatch: Ensure address matches bank records
├── International restrictions: Some cards don't work internationally
├── Currency conversion: Bank may block foreign currency transactions
├── Payment processor issues: Temporary issues with payment processing
├── Account verification: Additional verification required for new methods
└── Regional restrictions: Some payment methods not available in all regions

Payment Method Updates:
├── Update before expiration: Update cards before they expire
├── Test new methods: Test new payment methods with small transaction
├── Remove old methods: Remove expired or unused payment methods
├── Verify billing address: Ensure billing address is current
├── Check bank notifications: Respond to bank verification requests
├── Update automatic payments: Ensure recurring payments use current method
├── Backup method maintenance: Keep backup methods current too
└── Documentation: Keep records of payment method changes

Enterprise Payment Features:
├── Invoice payment: Net 30, 60, or 90 day payment terms
├── Purchase orders: Support for PO-based purchasing
├── Wire transfers: International wire transfer support
├── ACH/Bank transfer: Direct bank account debiting
├── Multi-currency: Support for multiple currencies
├── Consolidated billing: Single invoice for multiple accounts
├── Custom payment terms: Negotiated payment terms
└── Dedicated support: Dedicated billing support team

Enterprise Setup Process:
├── Credit application: Complete credit application for invoice terms
├── Legal review: Contract and terms review
├── Payment setup: Configure payment methods and terms
├── Billing contact: Designate billing contact and backup
├── Approval workflow: Set up internal approval workflow
├── Integration: Integrate with procurement and accounting systems
├── Testing: Test payment and billing processes
└── Go-live: Activate enterprise billing and payment

Billing Cycle Types:
├── Monthly billing: Charged on same date each month
├── Annual billing: Charged once per year (10% discount)
├── Usage-based: Charged based on actual usage
├── Hybrid: Base subscription + usage overages
├── Prepaid: Pay in advance for credits/usage
├── Postpaid: Pay after usage period ends
├── Custom: Enterprise customers may have custom cycles
└── Proration: Partial charges for mid-cycle changes

Billing Date Management:
├── Billing date: Date when subscription renews and charges
├── Grace period: 7 days after billing date to resolve payment issues
├── Proration: Charges adjusted for partial periods
├── Time zones: Billing processed in UTC time zone
├── Weekends/holidays: Billing may be delayed for bank holidays
├── Failed payment retry: Automatic retry for 7 days
├── Suspension date: Service suspended if payment not resolved
└── Reactivation: Immediate reactivation when payment succeeds

Invoice Information:
├── Invoice number: Unique identifier for each invoice
├── Billing period: Date range covered by invoice
├── Line items: Detailed breakdown of charges
├── Taxes: Applicable taxes and tax rates
├── Payment method: Method used for payment
├── Payment date: Date payment was processed
├── Next billing date: Date of next scheduled charge
└── Contact information: Billing contact and support information

Accessing Invoices:
├── Account dashboard: View invoices in Settings > Billing
├── Email delivery: Invoices automatically emailed to billing contact
├── PDF download: Download PDF copies of invoices
├── Historical invoices: Access to all historical invoices
├── Duplicate invoices: Request duplicate invoices if needed
├── Invoice corrections: Request corrections for billing errors
├── Tax documents: Access to tax-related documents
└── Accounting integration: Export invoices to accounting systems

Common Billing Issues:
├── Incorrect charges: Charges that don't match expected amount
├── Double billing: Charged twice for same period
├── Proration errors: Incorrect partial period charges
├── Tax calculation errors: Incorrect tax amounts or rates
├── Currency conversion: Issues with foreign currency conversion
├── Plan change timing: Charges not reflecting plan changes
├── Usage calculation: Incorrect usage-based charges
└── Credit application: Credits not properly applied

Billing Dispute Process:
├── Document issue: Gather evidence of billing error
├── Contact support: Email billing@impulsum.com with details
├── Provide information: Invoice numbers, expected vs actual charges
├── Investigation: Support team investigates the issue
├── Resolution: Credits or adjustments applied as appropriate
├── Prevention: Process improvements to prevent similar issues
├── Follow-up: Confirmation that issue is fully resolved
└── Documentation: Keep records of dispute and resolution

Upgrade Process:
├── Immediate access: Upgraded features available immediately
├── Prorated billing: Pay difference for current billing period
├── Next billing cycle: Full new plan price charged next cycle
├── Usage reset: New plan limits take effect immediately
├── Feature access: All new plan features activated
├── Team member limits: Increased team member limits if applicable
├── Support level: Upgraded support level takes effect
└── Historical data: All historical data remains accessible

Downgrade Process:
├── End of cycle: Downgrade takes effect at end of current billing period
├── Feature loss: Advanced features disabled at cycle end
├── Usage limits: New lower limits take effect at cycle end
├── Team member limits: May need to remove team members
├── Data retention: Some historical data may be archived
├── Support level: Support level changes at cycle end
├── Refund policy: No refunds for unused portion of current cycle
└── Grace period: 30-day grace period to upgrade if needed

Common Plan Change Issues:
├── Button disabled: "Change plan" button not working
├── Payment required: Outstanding balance prevents plan change
├── Team member limits: Too many team members for new plan
├── Feature dependencies: Current usage exceeds new plan limits
├── Billing cycle confusion: Changes don't take effect immediately
├── Access issues: Lost access to features after downgrade
├── Pricing confusion: Unexpected charges after plan change
└── Cancellation issues: Problems canceling or downgrading

Plan Change Solutions:
├── Clear outstanding balance: Pay any overdue amounts first
├── Remove team members: Reduce team size to fit new plan limits
├── Reduce usage: Bring current usage within new plan limits
├── Wait for cycle end: Downgrades take effect at cycle end
├── Contact support: Get help with complex plan change scenarios
├── Review pricing: Understand pricing changes before committing
├── Test new plan: Ensure new plan meets your needs
└── Document changes: Keep records of plan changes and reasons

Cancellation Process:
├── Self-service: Cancel through Settings > Account > Cancel
├── Immediate effect: Cancellation takes effect at end of current period
├── Data export: 30 days to export data after cancellation
├── Team notification: Team members notified of cancellation
├── Final invoice: Final invoice includes any usage overages
├── Confirmation: Email confirmation of cancellation
├── Retention offer: May receive retention offers
└── Feedback: Optional feedback about reason for cancellation

Reactivation Process:
├── Self-service: Reactivate through login page or email link
├── Same settings: Previous settings and configuration restored
├── Data restoration: All data restored if within retention period
├── Payment required: Current payment method charged immediately
├── Team restoration: Team members regain access
├── Feature restoration: All previous features restored
├── Integration restoration: Integrations automatically reconnected
└── Welcome back: Onboarding for any new features added since cancellation

Reactivation Troubleshooting:
├── Payment issues: Resolve payment method issues first
├── Data missing: Contact support if data not restored properly
├── Team access: Ensure team members can access account
├── Integration issues: Reconnect integrations if needed
├── Feature access: Verify all expected features are available
├── Billing questions: Clarify billing and charges
├── Support: Contact support for complex reactivation issues
└── Training: Update team on any new features or changes

Access Issues:
├── Can't add new users: Plan limits reached or permission issues
├── Invitation not received: Email delivery or spam filter issues
├── Invitation expired: Invitations expire after 7 days
├── Wrong email address: Invitation sent to incorrect email
├── User already exists: User already has account with different email
├── Permission denied: Insufficient permissions to invite users
├── Account suspended: Team account suspended affects all users
└── Regional restrictions: Some regions may have access limitations

User Onboarding Problems:
├── Login issues: New user can't log in after accepting invitation
├── Missing features: New user doesn't see expected features
├── Integration access: New user can't access integrated data
├── Team visibility: New user can't see team projects or data
├── Role confusion: User role not set correctly
├── Training needs: New user needs training on Impulsum usage
├── Workflow integration: User needs help integrating into team workflow
└── Support needs: New user needs additional support and guidance

Invitation Process:
├── Check plan limits: Ensure you haven't exceeded user limits
├── Verify permissions: Only Admins and Project Managers can invite
├── Use business email: Personal emails may be blocked
├── Check spam folders: Invitations may go to spam
├── Resend invitation: Invitations can be resent if not received
├── Try different email: Use different email address if issues persist
├── Direct signup: User can sign up directly and request access
└── Contact support: Get help with persistent invitation issues

Invitation Best Practices:
├── Use corporate email addresses: Better deliverability and security
├── Include personal message: Explain why they're being invited
├── Set appropriate role: Choose correct role for user's responsibilities
├── Provide context: Explain how Impulsum will be used in their work
├── Plan onboarding: Have onboarding plan ready for new users
├── Monitor acceptance: Follow up if invitation not accepted quickly
├── Prepare training: Have training materials and sessions ready
└── Integration setup: Help new users connect their tools and data

Adding Multiple Users:
├── CSV import: Upload CSV file with user information
├── Template download: Download CSV template for proper format
├── Validation: System validates email addresses and information
├── Batch processing: Process multiple invitations simultaneously
├── Error handling: Individual errors don't stop entire batch
├── Progress tracking: Monitor progress of bulk invitation process
├── Notification: Users receive individual invitation emails
└── Reporting: Get report of successful and failed invitations

Bulk User Troubleshooting:
├── CSV format errors: Ensure CSV follows required format
├── Email validation: Fix invalid email addresses
├── Duplicate users: Handle users who already exist
├── Permission issues: Ensure you have permission for bulk operations
├── Plan limits: Ensure bulk addition doesn't exceed plan limits
├── Processing delays: Large batches may take time to process
├── Partial success: Some users may be added while others fail
└── Error resolution: Address individual errors and retry failed additions

User Roles:
├── Viewer: Read-only access to assigned projects
├── Team Member: Can ask AI questions, view team data
├── Project Manager: Can manage projects, invite users, configure settings
├── Admin: Full access to account, billing, and all features
├── Owner: Ultimate control, can transfer ownership
├── Custom Roles: Enterprise plans can create custom roles
├── Guest: Limited access for external stakeholders
└── API User: Programmatic access for integrations

Role Permissions:
├── Data Access: What data can user see and access?
├── AI Features: Which AI features can user use?
├── Team Management: Can user invite/remove team members?
├── Project Management: Can user create/modify projects?
├── Integration Management: Can user connect/configure integrations?
├── Billing Access: Can user view/modify billing information?
├── Settings Access: Can user modify account settings?
└── Support Access: Can user contact support on behalf of organization?

Common Permission Issues:
├── "Access denied" errors: User doesn't have required permissions
├── Missing features: User can't see features their role should have
├── Data visibility: User can't see data they should have access to
├── Integration issues: User can't access integrated data
├── Team visibility: User can't see other team members or projects
├── Settings locked: User can't modify settings they should control
├── Billing blocked: User can't access billing information
└── Support restrictions: User can't contact support

Permission Resolution:
├── Check user role: Verify user has appropriate role assigned
├── Review role permissions: Understand what each role can do
├── Update role: Change user role if current role is insufficient
├── Project assignment: Ensure user is assigned to relevant projects
├── Integration permissions: Check permissions in integrated systems
├── Custom permissions: Configure custom permissions if available
├── Role inheritance: Understand how permissions inherit from roles
└── Contact admin: Work with account admin to resolve permission issues

Role Assignment Strategy:
├── Principle of least privilege: Give minimum permissions needed
├── Role clarity: Ensure roles match actual job responsibilities
├── Regular review: Regularly review and update role assignments
├── Onboarding process: Clear process for assigning roles to new users
├── Offboarding process: Process for removing access when users leave
├── Documentation: Document role definitions and permissions
├── Training: Train users on their roles and permissions
└── Audit trail: Maintain audit trail of role changes

Enterprise Role Management:
├── Custom roles: Create roles specific to your organization
├── Role hierarchies: Implement hierarchical role structures
├── Conditional access: Implement conditional access based on context
├── Integration with identity systems: Sync roles with AD/LDAP
├── Automated provisioning: Automatically assign roles based on attributes
├── Compliance: Ensure role management meets compliance requirements
├── Governance: Implement governance processes for role management
└── Monitoring: Monitor role usage and access patterns

Plan-Based Team Limits:
├── Starter (Free): 1 user only
├── Pro: Up to 5 users
├── Pro+: Up to 15 users  
├── Teams: Up to 50 users
├── Enterprise: Unlimited users
├── Custom: Negotiated limits for special cases
├── Guest users: May not count against limits (check plan details)
└── API users: May have separate limits

Limit Enforcement:
├── Hard limits: Cannot exceed maximum users for plan
├── Grace period: Brief grace period when approaching limits
├── Automatic blocking: New invitations blocked when limit reached
├── Upgrade prompts: System prompts to upgrade when limits approached
├── Usage monitoring: Track current usage against limits
├── Overage handling: Some plans allow temporary overages with fees
├── Downgrade impact: Must remove users when downgrading plans
└── Notification system: Alerts when approaching or at limits

Optimizing Team Usage:
├── Regular audit: Regularly review active team members
├── Remove inactive users: Remove users who no longer need access
├── Role optimizestion: Ensure users have appropriate roles
├── Guest access: Use guest access for temporary or external users
├── Shared accounts: Consider shared accounts for similar roles (not recommended for security)
├── Seasonal adjustment: Adjust team size for seasonal needs
├── Project-based access: Add/remove users based on project needs
└── Plan optimizestion: Choose plan that matches team size needs

Team Size Troubleshooting:
├── Can't add users: Check if team limit reached
├── Unexpected charges: Understand overage charges for exceeding limits
├── Downgrade blocked: Too many users for target plan
├── User removal issues: Problems removing users from team
├── Plan confusion: Unclear about team limits for current plan
├── Billing impact: How team size affects billing
├── Feature access: How team size affects feature availability
└── Support escalation: When to contact support for team size issues

Large Team Management:
├── Organizational structure: Mirror organizational hierarchy
├── Department-based access: Organize access by department or function
├── Project-based teams: Create teams based on project assignments
├── Geographic distribution: Manage globally distributed teams
├── Contractor management: Handle contractors and temporary workers
├── Compliance requirements: Meet regulatory requirements for access control
├── Audit and reporting: Regular audits and access reports
└── Automation: Automate user provisioning and deprovisioning

Enterprise Features:
├── Unlimited users: No limits on team size
├── Advanced role management: Custom roles and permissions
├── SSO integration: Single sign-on with corporate identity systems
├── SCIM provisioning: Automated user provisioning and deprovisioning
├── Audit logs: Comprehensive audit logs for compliance
├── Advanced security: Enhanced security features for large teams
├── Dedicated support: Dedicated support for enterprise customers
└── Custom onboarding: Custom onboarding processes for large teams

SSO Requirements:
├── Identity provider: SAML 2.0 or OIDC compatible IdP
├── Admin access: Admin access to both Impulsum and IdP
├── Domain verification: Verify ownership of email domain
├── Certificate management: Valid SSL certificates for secure communication
├── Attribute mapping: Map user attributes between systems
├── Group mapping: Map groups/roles between systems
├── Testing environment: Ability to test SSO before production rollout
└── Fallback plan: Backup authentication method in case of SSO issues

Common SSO Providers:
├── Azure Active Directory: Microsoft's identity platform
├── Google Workspace: Google's identity and access management
├── Okta: Popular third-party identity provider
├── OneLogin: Enterprise identity platform
├── Ping Identity: Enterprise identity solutions
├── Auth0: Developer-focused identity platform
├── ADFS: Active Directory Federation Services
└── Custom SAML: Custom SAML 2.0 implementations

Common SSO Issues:
├── Configuration errors: Incorrect SSO configuration settings
├── Certificate issues: Expired or invalid SSL certificates
├── Attribute mapping: User attributes not mapped correctly
├── Group synchronization: User groups not syncing properly
├── Domain verification: Email domain not verified
├── User provisioning: Users not automatically created
├── Permission mapping: User permissions not set correctly
└── Fallback authentication: Backup authentication not working

SSO Diagnostic Steps:
├── Test SSO flow: Walk through complete SSO authentication process
├── Check configuration: Verify all SSO configuration settings
├── Validate certificates: Ensure SSL certificates are valid and current
├── Test attribute mapping: Verify user attributes are mapped correctly
├── Check group membership: Ensure users are in correct groups
├── Verify domain: Confirm email domain is verified and configured
├── Test user provisioning: Verify new users are created automatically
└── Check audit logs: Review SSO audit logs for errors and issues

Advanced Authentication Features:
├── Multi-factor authentication: Require MFA for enhanced security
├── Conditional access: Access based on location, device, risk level
├── Just-in-time provisioning: Create users automatically on first login
├── SCIM provisioning: Automated user lifecycle management
├── Group-based access: Assign permissions based on group membership
├── Session management: Control session length and concurrent sessions
├── Device management: Control access from managed/unmanaged devices
└── Risk-based authentication: Adaptive authentication based on risk

Enterprise Troubleshooting:
├── Complex configurations: Handle complex enterprise SSO configurations
├── Multiple domains: Support for multiple email domains
├── Hybrid environments: Mix of SSO and non-SSO users
├── Migration planning: Plan migration from existing authentication
├── Compliance requirements: Meet regulatory compliance requirements
├── Performance optimizestion: Optimize SSO performance for large organizations
├── Disaster recovery: Plan for SSO provider outages
└── User experience: Optimize user experience for SSO authentication

Advanced Support:
├── Dedicated support: Dedicated support team for enterprise customers
├── Implementation assistance: Help with SSO implementation and configuration
├── Custom integration: Custom integration with unique identity systems
├── Training and documentation: Comprehensive training and documentation
├── Regular reviews: Regular reviews of SSO configuration and performance
├── Security assessments: Regular security assessments and recommendations
├── Upgrade assistance: Help with upgrades and new feature adoption
└── Strategic planning: Long-term strategic planning for identity management