Payments Policy

011. Introduction

This Payments Policy outlines how CIPHER, operated by keysa gaan OÜ (Registry code: 17531664), processes payments, the methods we accept, and our commitment to secure transactions.

By making a payment on our platform, you agree to the terms outlined in this policy.

022. Credit System

2.1 How Credits Work

CIPHER uses a credit-based payment system. Credits are the currency used to purchase services on our platform:

• +10 credits = €1 EUR
• +Credits are purchased upfront and added to your wallet
• +Credits never expire
• +No recurring charges or subscriptions

2.2 Credit Packages

We offer various credit packages to suit your needs. Pricing is displayed on our platform at the time of purchase.

2.3 Credit Usage

Credits are deducted from your wallet when you engage specialist services. The credit cost is displayed before confirming any purchase.

033. Accepted Payment Methods

3.1 Credit and Debit Cards

We accept the following credit and debit cards:

• +Visa
• +Mastercard

044. 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 payment card details on our servers.

4.2 Processing Time

Payments are typically processed instantly. Credits are added to your wallet immediately upon successful payment confirmation.

4.3 Failed Payments

If a payment fails, you will be notified immediately. Common reasons include:

• +Insufficient funds
• +Incorrect card details
• +Card expired
• +Transaction declined by your bank

Please contact your bank or card issuer if you experience repeated payment failures.

055. Currency and Pricing

5.1 Display Currency

Prices on CIPHER are displayed in EUR. All transactions are processed in Euros.

5.2 Currency Conversion

If you pay in a currency different from the displayed price, your bank or card issuer may apply currency conversion fees. These fees are outside our control.

066. Payment Security

6.1 Encryption

All payment data is transmitted using TLS (Transport Layer Security) encryption. Our platform uses HTTPS exclusively.

6.2 PCI Compliance

Our payment infrastructure is PCI-DSS Level 1 compliant - the highest level of security certification in the payments industry.

6.3 Fraud Prevention

We employ advanced fraud detection measures including:

• +Address Verification System (AVS)
• +Card Verification Value (CVV) checks
• +3D Secure authentication (where supported)
• +Machine learning-based fraud detection

6.4 Your Responsibility

Please ensure you keep your account credentials secure. Do not share your login information or payment details with others.

077. Invoices and Receipts

7.1 Payment Confirmation

A confirmation email is sent to your registered email address after each successful payment.

7.2 Invoices

Each invoice is sent to you by email and includes:

• +Transaction date and reference number
• +Amount paid and credits received
• +Payment method (last 4 digits)

7.3 Business Invoices

If you require invoices with specific business details (company name, registration number, etc.), contact our support team before making a purchase and we will include those details on your emailed invoice.

088. Specialist Payouts

8.1 Revenue Sharing

Specialists receive 80% of the service price. CIPHER retains a 20% platform fee to cover operational costs, support, and platform development.

8.2 Payout Schedule

Specialist earnings are processed according to the payout schedule in the Specialist Agreement.

8.3 Payout Methods

Specialists can receive payouts via available payment methods in their region, as specified in their account settings.

8.4 Specialist Terms & Verification

Specialists are additionally bound by the Specialist Service Terms and must complete identity verification (KYC) before any payout is released. The platform retains a 20% service fee and Specialists receive 80% of the service price. Specialist Service Terms.

099. Refunds

For information about refunds, cancellations, and your EU right of withdrawal, please see our Refund Policy.

Key points:

• +14-day EU right of withdrawal for credit purchases
• +30-day refund window for unused credits
• +Satisfaction guarantee for completed services

1010. Disputes

10.1 Billing Disputes

If you believe you have been charged incorrectly, please contact us at billing@cipher.builders within 30 days of the transaction. We will investigate and resolve the issue promptly.

10.2 Chargebacks

We encourage you to contact us before initiating a chargeback with your bank. Chargebacks for legitimate transactions may result in account suspension.

1111. Changes to This Policy

We may update this Payments Policy from time to time. Material changes will be notified to you by email or prominent notice on our platform. Your continued use of our payment services constitutes acceptance of the updated policy.