# Paying with Soca

> Choose Soca at checkout and pay 1% less than the listed price, with real receipts, subscriptions you fully control, and no card numbers to leak.

Part of the Soca documentation (https://soca.finance/docs). Human version: https://soca.finance/docs/personal/paying-with-soca
When a business accepts Soca, paying with your Soca account is the best deal in the room: you pay **1% less than the listed price**, every time. A $100 purchase costs you $99. That is not points, and it is not a rebate that shows up later. It is a discount taken off before you pay.

The discount is a Soca account benefit: it applies when you are signed in to a Soca account and paying from a wallet registered to it. Paying from a connected wallet without a Soca account works exactly the same way, at the full listed price.

## Paying at checkout

1. **Choose Soca**: At checkout, pick Pay with Soca and sign in to your account. The price updates immediately to show your discount.
2. **Review**: You see exactly who you are paying and exactly what you will pay. No surprises, no pre-checked extras.
3. **Approve**: One tap (with your passkey, if you have one set up) and it is done. Customers never pay network fees. Soca sponsors gas on every transaction.

You never type a card number, so there is no card number for a business to store, lose, or leak. Every payment is a one-time approval you make yourself. No business can pull money from your account without a permission you explicitly granted.

## Paying in person

In a shop, the business shows a QR code for your total. Point your phone camera at it. The payment page opens, you check the amount and the store name, and approve. No terminal, no card, no app-store scavenger hunt. If you want a paper trail, you can have the receipt emailed to you on the spot.

## Receipts

Every payment gets a proper receipt showing who you paid, how much, when, and its status. You can download it, print it, or have it emailed. Because payments settle on a public network, each receipt also links to an independent record you can verify yourself. It is proof that does not depend on trusting Soca or the business.

## Subscriptions you approve

When you subscribe to something with Soca, you are granting a narrow, visible permission, not handing over a card that can be charged for anything. Open any subscription under **Plans** and you can see exactly what the business is allowed to do:

- **Capped per period**: the business can never take more than the stated amount in a billing period. Not once, not ever.
- **Fixed destination**: payments go to that business only; the permission cannot be redirected somewhere else.
- **Always revocable**: you can withdraw the permission whenever you like.

You also see the price, the next payment date, and how long you are paid through, plus a receipt for every renewal.

### Cancel or revoke

- **Cancel at period end**: keeps your access until the current period runs out, then stops. No future charges.
- **Revoke immediately**: cuts off the spending permission on the spot. Future charges are blocked instantly, and the revocation is final. Note: revoking disconnects the permission for your account entirely, so it stops *every* subscription paid from that wallet, not just the one you are looking at.

## Refunds

If a business refunds you, the money comes straight back to the account you paid from, usually within a minute of the business confirming it. A refund is a new merchant-signed USDC transfer back to the customer, never a reversal, always visible on-chain.

> **The 1% discount, in short**: Card networks charge businesses roughly 2.9% + 30¢ per transaction, settling in days. Soca costs businesses far less, and part of that saving is passed to you as a 1% discount at checkout. Everyone wins except the card networks.