diff --git a/uncloud/models.py b/uncloud/models.py
index d956637..c585ad2 100644
--- a/uncloud/models.py
+++ b/uncloud/models.py
@@ -6,6 +6,7 @@ from django.core.validators import MinValueValidator, MaxValueValidator
 from django.core.exceptions import FieldError
 
 from uncloud import COUNTRIES
+from .selectors import filter_for_when
 
 class UncloudModel(models.Model):
     """
@@ -67,6 +68,52 @@ class UncloudAddress(models.Model):
         abstract = True
 
 
+class UncloudValidTimeFrame(models.Model):
+    """
+    A model that allows to limit validity of something to a certain
+    time frame. Used for versioning basically.
+
+    Logic:
+
+    """
+
+    class Meta:
+        abstract = True
+
+        constraints = [
+            models.UniqueConstraint(fields=['owner'],
+                                    condition=models.Q(active=True),
+                                    name='one_active_card_per_user')
+        ]
+
+
+    valid_from = models.DateTimeField(default=timezone.now, null=True, blank=True)
+    valid_to = models.DateTimeField(null=True, blank=True)
+
+    @classmethod
+    def get_current(cls, *args, **kwargs):
+        now = timezone.now()
+
+        # With both given
+        cls.objects.filter(valid_from__lte=now,
+                           valid_to__gte=now)
+
+        # With to missing
+        cls.objects.filter(valid_from__lte=now,
+                           valid_to__isnull=true)
+
+        # With from missing
+        cls.objects.filter(valid_from__isnull=true,
+                           valid_to__gte=now)
+
+        # Both missing
+        cls.objects.filter(valid_from__isnull=true,
+                           valid_to__gte=now)
+
+
+
+
+
 ###
 # UncloudNetworks are used as identifiers - such they are a base of uncloud
 
@@ -138,9 +185,6 @@ class UncloudProvider(UncloudAddress):
         Find active provide at a certain time - if there was any
         """
 
-        if not when:
-            when = timezone.now()
-
 
         return cls.objects.get(Q(starting_date__gte=when, ending_date__lte=when) |
                                Q(starting_date__gte=when, ending_date__isnull=True))
diff --git a/uncloud/selectors.py b/uncloud/selectors.py
new file mode 100644
index 0000000..52b8548
--- /dev/null
+++ b/uncloud/selectors.py
@@ -0,0 +1,23 @@
+from django.db.models import Q
+from django.utils import timezone
+
+def filter_for_when(queryset, when=None):
+    """
+    Return a filtered queryset which is valid for the given date
+
+    Logic:
+
+    Look for entries that have a starting date before when
+    and either
+    - No ending date
+    - Ending date after "when"
+
+    Returns a queryset, you'll neet to apply .first() or similar on it
+
+    """
+
+    if not when:
+        when = timezone.now()
+
+    return queryset.filter(starting_date__lte=when).filter(Q(ending_date__gte=when) |
+                                                           Q(ending_date__isnull=True))
diff --git a/uncloud/urls.py b/uncloud/urls.py
index bf3672c..a30d4aa 100644
--- a/uncloud/urls.py
+++ b/uncloud/urls.py
@@ -61,12 +61,16 @@ router.register(r'beta/vm', vmviews.NicoVMProductViewSet, basename='nicovmproduc
 router.register(r'v2/net/wireguardvpn', netviews.WireGuardVPNViewSet, basename='wireguardvpnnetwork')
 router.register(r'v2/net/wireguardvpnsizes', netviews.WireGuardVPNSizes, basename='wireguardvpnnetworksizes')
 
-# Payment related
+# Payment related for a user
 router.register(r'v2/payment/credit-card', payviews.CreditCardViewSet, basename='stripecreditcard')
 router.register(r'v2/payment/payment', payviews.PaymentViewSet, basename='payment')
 router.register(r'v2/payment/balance', payviews.BalanceViewSet, basename='payment-balance')
 router.register(r'v2/payment/address', payviews.BillingAddressViewSet, basename='billingaddress')
 
+# Generic helper views that are usually not needed
+router.register(r'v2/generic/vat-rate', payviews.VATRateViewSet, basename='vatrate')
+
+
 urlpatterns = [
     path(r'api/', include(router.urls), name='api'),
 
diff --git a/uncloud_auth/templates/uncloud_auth/login.html b/uncloud_auth/templates/uncloud_auth/login.html
index 887467b..2a3bfd6 100644
--- a/uncloud_auth/templates/uncloud_auth/login.html
+++ b/uncloud_auth/templates/uncloud_auth/login.html
@@ -1,14 +1,21 @@
 {% extends 'uncloud/base.html' %}
-{% load bootstrap4 %}
+{% load bootstrap5 %}
 
-{% block body %}
-<h1>Login to uncloud</h1>
-<form method="post" class="form">
-  {% csrf_token %}
-  {% bootstrap_form form %}
-  {% buttons %}
-  <button type="submit" class="btn btn-primary">Submit</button>
-  {% endbuttons %}
-</form>
+{% block bootstrap5_content %}
+<div class="container">
+  <div id="content">
+    <div id="intro" class="row">
+
+      <h1>Login to uncloud</h1>
+      <form method="post" class="form">
+        {% csrf_token %}
+        {% bootstrap_form form %}
+        {% buttons %}
+        <button type="submit" class="btn btn-primary">Submit</button>
+        {% endbuttons %}
+      </form>
+    </div>
+  </div>
+</div>
 
 {% endblock %}
diff --git a/uncloud_pay/models.py b/uncloud_pay/models.py
index adaabef..49e8da2 100644
--- a/uncloud_pay/models.py
+++ b/uncloud_pay/models.py
@@ -233,6 +233,7 @@ class RecurringPeriod(models.Model):
 class BillingAddress(UncloudAddress):
     owner = models.ForeignKey(get_user_model(), on_delete=models.CASCADE)
     vat_number = models.CharField(max_length=100, default="", blank=True)
+    vat_number_verified = models.BooleanField(default=False)
     active = models.BooleanField(default=False)
 
     class Meta:
diff --git a/uncloud_pay/selectors.py b/uncloud_pay/selectors.py
index 5f86657..2a5ad4a 100644
--- a/uncloud_pay/selectors.py
+++ b/uncloud_pay/selectors.py
@@ -1,6 +1,9 @@
 from django.utils import timezone
 from django.db import transaction
+from django.db.models import Q
 
+from uncloud.selectors import filter_for_when
+from uncloud.models import UncloudProvider
 from .models import *
 
 def get_payments_for_user(user):
@@ -24,3 +27,32 @@ def get_balance_for_user(user):
 
 def get_billing_address_for_user(user):
     return BillingAddress.objects.get(owner=user, active=True)
+
+def get_vat_rate(billing_address, when=None):
+    """
+    Returns the VAT rate for business to customer.
+
+    B2B is always 0% with the exception of trading within the own country
+    """
+
+    country = billing_address.country
+
+    # Need to have a provider country
+    uncloud_provider = filter_for_when(UncloudProvider.objects.all()).get()
+    vatrate = filter_for_when(VATRate.objects.filter(territory_codes=country), when).first()
+
+    # By default we charge VAT. This affects:
+    # - Same country sales (VAT applied)
+    # - B2C to EU  (VAT applied)
+    rate = vatrate.rate
+
+    # Exception: if...
+    # - the billing_address is in EU,
+    # - the vat_number has been set
+    # - the vat_number has been verified
+    # Then we do not charge VAT
+
+    if uncloud_provider.country != country and billing_address.vat_number and billing_address.vat_number_verified:
+        rate = 0
+
+    return rate
diff --git a/uncloud_pay/serializers.py b/uncloud_pay/serializers.py
index 3906482..b5de192 100644
--- a/uncloud_pay/serializers.py
+++ b/uncloud_pay/serializers.py
@@ -42,6 +42,13 @@ class BillingAddressSerializer(serializers.ModelSerializer):
         exclude = [ "owner" ]
 
 
+class VATRateSerializer(serializers.ModelSerializer):
+
+    class Meta:
+        model = VATRate
+        fields = '__all__'
+
+
 ################################################################################
 # Unchecked code
 
diff --git a/uncloud_pay/tests.py b/uncloud_pay/tests.py
index ca91cc9..c07c83b 100644
--- a/uncloud_pay/tests.py
+++ b/uncloud_pay/tests.py
@@ -5,6 +5,7 @@ from django.utils import timezone
 
 from .models import *
 from uncloud_service.models import GenericServiceProduct
+from uncloud.models import UncloudProvider
 
 import json
 
@@ -463,3 +464,26 @@ class BillingAddressTestCase(TestCase):
         self.assertRaises(uncloud_pay.models.BillingAddress.DoesNotExist,
                           BillingAddress.get_address_for,
                           self.user)
+
+class VATRatesTestCase(TestCase):
+    def setUp(self):
+        self.user = get_user_model().objects.create(
+            username='random_user',
+            email='jane.random@domain.tld')
+
+        self.user_addr = BillingAddress.objects.create(
+            owner=self.user,
+            organization = 'Test org',
+            street="unknown",
+            city="unknown",
+            postal_code="unknown",
+            active=True)
+
+        UncloudProvider.populate_db_defaults()
+
+
+
+    def test_get_rate_for_user(self):
+        """
+        Raise an error, when there is no address
+        """
diff --git a/uncloud_pay/views.py b/uncloud_pay/views.py
index 073f7c9..d3a104b 100644
--- a/uncloud_pay/views.py
+++ b/uncloud_pay/views.py
@@ -295,6 +295,11 @@ class OrderViewSet(viewsets.ReadOnlyModelViewSet):
     def get_queryset(self):
         return Order.objects.filter(owner=self.request.user)
 
+class VATRateViewSet(viewsets.ReadOnlyModelViewSet):
+    serializer_class = VATRateSerializer
+    permission_classes = [permissions.IsAuthenticated]
+    queryset = VATRate.objects.all()
+
 class BillingAddressViewSet(mixins.CreateModelMixin,
         mixins.RetrieveModelMixin,
         mixins.UpdateModelMixin,