Payment Policy

1. Currency

All prices on the Website and all invoices are denominated and charged in euro (EUR). We do not charge in any other currency.

If your card or bank account is held in another currency, your bank or card issuer converts the amount at its own rate and may add its own conversion fee. We have no influence on that rate or fee.

2. Accepted Payment Methods

• Payment cards — Visa and Mastercard (debit and credit). Card payments are processed on the secure payment page of our payment service provider and are authenticated with 3-D Secure (Strong Customer Authentication) where your issuer requires it.
• SEPA bank transfer in EUR. The account details and the payment reference are stated on the invoice for your order. Please always quote the payment reference, so the credit can be matched to your order.

We do not accept cash, cheques or payments from third parties who are not the client named on the invoice.

3. Prices, Hours and VAT

• Services are priced per hour of work. The amount payable is the hourly rate of the service multiplied by the number of hours you order, less any discount agreed in writing.
• The order summary at checkout shows the hourly rate, the number of hours and the total.
• Applicable value added tax is shown on the invoice.
• We charge no booking, handling or card surcharge; the total shown at checkout is what you pay.

4. When Payment Is Taken

• Orders are paid in full in advance, unless a different schedule is agreed with you in writing for a larger engagement.
• A card payment is authorised and captured at the moment you confirm the payment. A SEPA transfer is credited when it arrives, normally within one to two business days.
• Work on the order starts after the payment has been credited; see our Delivery Policy.
• An invoice is issued for every order and is available on the order page in your account.

5. Security of Payment Data

• The whole Website, including checkout, is served exclusively over HTTPS with TLS encryption (TLS 1.2 or higher). Payment and account data are never transmitted over an unencrypted connection.
• Card details are entered on the payment page of our payment service provider and are transmitted encrypted directly to it. KAPO GROUP does not receive, process or store your full card number, expiry date or security code (CVV/CVC) on its own systems.
• Card processing is carried out by a licensed payment service provider under the security requirements of the Payment Card Industry Data Security Standard (PCI DSS) applicable to it.
• What we store in relation to a payment is limited to the amount, the currency, the method, the status, the timestamps and the provider's transaction identifiers — enough to match your payment to your order, issue the invoice and process a refund.
• Access to payment records is restricted to authorised staff, and data at rest is held on access-controlled infrastructure. Further detail is in our Privacy Policy.

6. Failed, Declined or Duplicate Payments

• If a card payment is declined, the order stays in "Pending Payment" and you can try again from the order page. Declines come from your issuer; we do not receive the reason.
• An authorisation that is not captured is released by your issuer according to its own rules, usually within a few business days.
• If you are charged twice for the same order, or an amount other than the order total, write to us with the order number and we refund the difference without undue delay.
• Where a payment cannot be matched to an order (for example a transfer sent without the reference), we contact you to clarify before allocating it.

7. Refunds

Refunds are made to the same payment method and, for cards, to the same card that was charged. We do not refund to a different card, account or person. Approved refunds are initiated without undue delay and at the latest within 14 days of approval; the time until the money appears on your statement depends on your bank.

The grounds for a refund, the 14-day right of withdrawal and the proportionate settlement of work already performed are set out in our Cancellation and Refund Policy and in section 8 of our Terms & Conditions.

8. Payment Disputes

If you believe a charge is incorrect, please contact us first at [email protected] — most cases are resolved within a few business days. This is a request, not a condition: you are always free to contact your bank or card issuer and to use the dispute and chargeback procedures available to you. We cooperate with issuers and acquirers in such procedures and provide the order, correspondence and delivery records on request.

9. Contact and Merchant Details