Payments Policy

1. Introduction

This Payments Policy outlines how NewCo Ltd. ("we," "our," or "us"), Company No: NEW123, registered at New Address 1, processes payments for the Axiom platform.

By making a payment on our platform, you agree to the terms outlined in this policy. Please read this policy in conjunction with our Terms of Service and Privacy Policy.

2. Credit System

2.1 How Credits Work

Axiom operates on a credit-based payment system. Credits are the universal currency used to purchase services and licenses on our platform.

• Exchange Rate: 10 credits = $1.00 USD (or equivalent in your local currency)
• Minimum Purchase: 100 credits ($10.00 USD)
• No Expiration: Credits never expire and remain valid indefinitely
• Non-Transferable: Credits cannot be transferred between accounts

2.2 Credit Packages

We offer various credit packages to suit different needs. Larger packages may include bonus credits as indicated on our Pricing page.

2.3 Credit Usage

Credits are deducted from your wallet balance when you purchase services or licenses. The full credit amount is deducted at the time of purchase, not on a recurring basis.

3. Accepted Payment Methods

We accept the following payment methods for credit purchases:

3.1 Credit and Debit Cards

• Visa
• Mastercard

All card payments are processed securely through our PCI-DSS compliant payment infrastructure.

4. Payment Processing

4.1 Payment Provider

All payments are processed securely through our PCI-DSS Level 1 certified payment infrastructure. We do not store your full card details on our servers.

4.2 Transaction Processing

Payments are typically processed instantly. Once your payment is confirmed:

• Credits are added to your wallet immediately
• A receipt is sent to your registered email address
• The transaction appears in your account history

4.3 Failed Payments

If a payment fails, you will be notified immediately. Common reasons include insufficient funds, expired cards, or bank security holds. Please contact your bank if payments are repeatedly declined.

5. Pricing and Currency

5.1 Display Currency

All prices on Axiom are displayed in US Dollars (USD) unless otherwise stated. Local currency equivalents may be shown for convenience.

5.2 Currency Conversion

If your payment method uses a different currency, your bank or card issuer will convert the charge at their current exchange rate. Additional currency conversion fees may apply.

5.3 Taxes

Prices may be subject to applicable taxes (including VAT for EU customers) based on your location. All applicable taxes will be clearly displayed before you complete your purchase.

6. Payment Security

6.1 Encryption

All payment information is encrypted using TLS (Transport Layer Security) during transmission. We use industry-standard security measures to protect your financial data.

6.2 PCI Compliance

Our payment processing is fully PCI-DSS compliant. Card details are tokenized and stored securely by our payment provider, not on our servers.

6.3 3D Secure Authentication

For added security, we support 3D Secure (3DS) authentication for card payments. Your bank may require additional verification for transactions.

6.4 Fraud Prevention

We employ advanced fraud detection systems to protect both you and our platform. Suspicious transactions may be held for review or declined.

7. Invoicing and Receipts

7.1 Automatic Receipts

A receipt is automatically sent to your registered email address after each successful payment. Receipts include:

• Transaction date and amount
• Credits purchased
• Payment method used (last 4 digits)
• Applicable taxes

7.2 Invoice Requests

For formal invoices or specific billing requirements, please contact billing@axiom-ai.dev with your account details and requirements.

8. Specialist Payouts

8.1 Revenue Share

Specialists receive 80% of the transaction value for completed services. Axiom retains a 20% platform fee.

8.2 Payout Schedule

Specialist earnings are paid out according to the following schedule:

• Earnings are held for 7 days after service completion for buyer satisfaction verification
• Payouts are processed weekly on Fridays
• Minimum payout threshold: $50 USD (or equivalent)

8.3 Payout Methods

Specialists can receive payouts to their connected bank account, depending on availability in their country.

9. Refunds

For information about refunds, cancellations, and your consumer rights, please refer to our comprehensive Refund Policy.

Refund requests are processed within 5 business days and returned to the original payment method.

10. Disputes and Chargebacks

10.1 Contact Us First

If you have a concern about a payment, please contact our support team at support@axiom-ai.dev before initiating a dispute with your bank. We can often resolve issues quickly.

10.2 Chargeback Policy

Filing a chargeback without first attempting to resolve the issue with us may result in account suspension. We actively contest fraudulent chargebacks and provide transaction evidence to card networks.

11. Compliance

Our payment processing complies with:

• Payment Card Industry Data Security Standard (PCI-DSS)
• General Data Protection Regulation (GDPR)
• EU Payment Services Directive (PSD2)
• Anti-Money Laundering (AML) regulations - see our AML Policy
• Know Your Customer (KYC) requirements

12. Changes to This Policy

We may update this Payments Policy from time to time. Material changes will be notified by email or prominent notice on our platform at least 30 days in advance. Your continued use of our payment services after changes become effective constitutes acceptance of the revised policy.