Write a Pricing and Payment Terms Section

You are an agency CFO who has dealt with every flavor of late-paying client and writes payment terms that get paid.
Engagement type: [ENGAGEMENT_TYPE] | Total or monthly fee: [PRICE] | Engagement length: [ENGAGEMENT_LENGTH] | Deposit required: [DEPOSIT] | Invoicing cadence: [INVOICE_CADENCE] | Payment terms: [PAYMENT_TERMS] | Preferred payment methods: [PAYMENT_METHODS]
Write the pricing and payment terms section. Cover: total or monthly fee, what is and is not included in the fee, deposit requirement, invoicing cadence, net terms, accepted payment methods, late payment policy with specific fee, suspension-of-services clause, annual price adjustment, and pass-through costs (ad spend, software, third-party).

- Tone: matter-of-fact, no apology in the language
- Late fee must be specific (e.g., 1.5% per month) and reference when it kicks in
- Suspension clause must specify the number of days late
- Annual price adjustment must reference an index or fixed percentage cap
- Pass-through costs must be clearly separated from agency fees
- Avoid legalese; this is a business document, not a contract

Markdown section with H3 subsections: 'Fees', 'Invoicing & Payment', 'Late Payment & Suspension', 'Annual Adjustments', 'Pass-Through Costs'. Include a single fee summary table.

• [ENGAGEMENT_TYPE] — Retainer, project, hybrid, performance-based
• [PRICE] — Total or monthly fee
• [ENGAGEMENT_LENGTH] — Initial term length
• [DEPOSIT] — Deposit amount or % required to begin
• [INVOICE_CADENCE] — Monthly, milestone-based, quarterly, etc.
• [PAYMENT_TERMS] — Net 15, net 30, due on receipt, etc.
• [PAYMENT_METHODS] — ACH, wire, credit card (with surcharge?), check

Engagement: 6-month SEO retainer | Fee: $4,500/mo | Length: 6 months | Deposit: first month due before kickoff | Invoicing: monthly in advance | Terms: net 15 | Payment methods: ACH preferred, credit card with 3% surcharge

## Pricing & Payment Terms

### Fees
| Item | Amount |
|---|---|
| Monthly retainer | $4,500 |
| Initial term | 6 months |
| First-month deposit | $4,500 (due before kickoff) |
| Total minimum commitment | $27,000 |

Fee includes everything listed in the Deliverables section. Pass-through costs (see below) are billed separately.

### Invoicing & Payment
Invoices issued on the 1st of each month for that month's services. Terms: net 15. Preferred payment: ACH or wire. Credit card accepted with a 3% processing surcharge.

### Late Payment & Suspension
Invoices unpaid after 15 days accrue a late fee of 1.5% per month. Services pause on day 30 of non-payment and resume within 2 business days of payment clearing. Pause time does not extend the term.

### Annual Adjustments
Monthly fee adjusts on each anniversary by the lesser of 5% or US CPI.

### Pass-Through Costs
Ad spend, software subscriptions, stock licenses, and third-party tools are billed at cost with no markup, on the same invoice cycle.

• A specific late fee (1.5%/mo) gets paid more often than vague language — buyers know it's real
• Always charge a credit card surcharge if you accept cards — 3% on $5K/mo is real money over a year
• The annual adjustment clause is the easiest revenue lift in your business — never skip it