Payment Policy is a key component of our Terms & Conditions and Refund & Cancellation Policy. This policy explains how we handle payments, describes the commercial model, and outlines the steps we take in case of payment issues.
1.Our Commercial Model
We operate on a prepaid token system. You purchase a pack, and the tokens are credited to your balance. As you use our tools, the tokens are spent based on the estimated costs displayed before each generation. There are no automatic renewals, subscriptions, or monthly minimums.
2. Pricing, Currency, and Tax
Our Pricing page displays pack prices in EUR by default. If checkout is available in another currency, the conversion rate and any conversion fee are handled by your card scheme or bank, not by us. VAT is added at checkout according to EU rules for digital services.
3.How Payments Work
When you complete a payment, the request is sent to one of our third-party payment processors. They handle authorization, Strong Customer Authentication, and settlement. We only receive payment metadata to confirm the transaction and issue a receipt. Your full card number is never stored on our servers, and card and wallet data are entered directly into fields hosted by the payment provider over a TLS-encrypted connection.
4.Accepted Payment Methods
The list of accepted payment methods depends on the payment provider serving your region and your card issuer. Typically, you can pay by credit or debit card (Visa and Mastercard) and, on supported devices, by Apple Pay and Google Pay. The definitive list is displayed on your checkout screen.
5.Handling Payment Issues
If a payment is declined, no funds are captured, and your bank may show a short-lived authorization hold. If a charge appears on your statement but tokens are missing from your balance, please don't retry the purchase. Contact us at [email protected] with the transaction reference, and we'll either credit the tokens or ask the provider to reverse the charge.
6.Receipts, Invoices, and Records
After each successful payment, a receipt is emailed to your account address and stored in your dashboard. If you need a formal VAT invoice, enter your business details in the billing settings before purchase or ask us to reissue the invoice afterwards. Invoices are retained for up to ten years as required by Lithuanian tax and accounting law.
7.Fraud, Sanctions, and Chargebacks
We run automated and manual checks on transactions. If we suspect fraud, the use of a stolen card, or a breach of sanctions and export-control regimes, we may decline, delay, or reverse a transaction and temporarily freeze the affected balance. If the concern is unfounded, tokens are released or the payment refunded; if confirmed, the order is cancelled, and we cooperate with card-scheme or law-enforcement investigations.
If you disagree with a charge, please contact us before filing a chargeback. Where a chargeback is filed, we may suspend the affected account and balance while it is investigated, and we reserve the right to submit evidence to the card scheme.
8.Getting in Touch about Billing
For any questions about charges, invoices, VAT identifiers, or failed payments, contact us at [email protected] with the transaction reference from your receipt or bank statement. This is usually enough for us to find the record and answer your question.
9.Contact Information
INDEXERA UAB
· Company code 308066877
· V. Nagevičiaus g. 3, LT-08237 Vilnius, Lithuania
· +370 691 98652
· [email protected] writing…