Payment Policy

Accepted Payment Methods

We accept secure payments through the following verified payment processors:

Stripe Payment Processing

• Credit Cards: Visa, Mastercard, American Express, Discover
• Debit Cards: All major debit cards with Visa/Mastercard logos
• Digital Wallets: Apple Pay, Google Pay
• Bank Transfers: ACH transfers (US customers)
• Security: PCI DSS Level 1 compliant processing

PayPal Payment Processing

• PayPal Balance: Direct payment from PayPal account
• PayPal Credit: Subject to PayPal credit approval
• Linked Cards: Credit/debit cards linked to PayPal
• Bank Transfers: Direct bank account payments via PayPal
• PayPal Guest Checkout: No PayPal account required

Payment Security

Data Protection

• SSL Encryption: All transactions protected with 256-bit SSL encryption
• PCI Compliance: Full PCI DSS compliance for card data security
• No Storage: We do not store payment information on our servers
• Secure Processors: Only industry-leading payment processors used

Fraud Prevention

• Advanced fraud detection systems
• Address verification (AVS) checks
• CVV verification required
• Suspicious transaction monitoring

Payment Processing

Transaction Timeline

• Authorization: Immediate upon checkout completion
• Processing: 1-3 business days for bank clearance
• Confirmation: Email confirmation sent immediately
• Product Delivery: After successful payment verification

Payment Confirmation

You will receive:

• Immediate payment confirmation email
• Transaction ID for your records
• Receipt with order details
• Digital product delivery (within 24 hours)

Pricing and Currency

Pricing Display

• Currency: All prices displayed in USD
• Taxes: Applicable taxes calculated at checkout
• Final Price: Total cost shown before payment confirmation
• No Hidden Fees: All costs transparently displayed

International Payments

• PayPal accepts multiple currencies (converted to USD)
• Stripe supports international cards
• Currency conversion rates applied by payment processor
• Additional fees may apply from your bank

Failed Payments

Common Reasons for Declined Payments

• Insufficient funds
• Expired payment method
• Incorrect billing information
• Bank security restrictions
• Daily/monthly spending limits exceeded

Resolution Process

1. Check payment method details
2. Verify billing address matches card
3. Contact your bank if needed
4. Retry payment or use alternative method
5. Contact our support for assistance

Billing Information

Required Information

• Billing Address: Must match payment method
• Email Address: For receipts and product delivery
• Phone Number: For verification if needed
• Legal Name: As it appears on payment method

Billing Disputes

• Contact customer service within 30 days
• Provide transaction ID and order number
• Include documentation of billing error
• Resolution within 5-7 business days

Refund Processing

Refund Timeline by Payment Method

• Credit/Debit Cards: 3-5 business days
• PayPal: 1-2 business days
• Bank Transfers: 5-7 business days
• Digital Wallets: 1-3 business days

Refund Method

• Refunds issued to original payment method only
• Cannot split refunds across multiple methods
• Processing fees may be deducted from refund

Payment Terms

Immediate Payment Required

• No payment plans or installments available
• Full payment required before product delivery
• Digital licenses delivered after payment confirmation

Business Customers

• Same payment terms apply
• Tax exemption certificates accepted
• Bulk purchase discounts available (contact sales)

Customer Support

Payment Issues

• Email: contact@firmquick.com
• Response Time: 24-48 hours
• Phone: +1 (707) 232 3631 (Monday-Saturday, 7:00 AM to 6:00 PM EST)
• Live Chat: Available during business hours

Required Information for Support

• Order number
• Transaction ID
• Email address used for purchase
• Description of payment issue

Terms and Conditions

Payment Authorization

• By completing checkout, you authorize the charge
• You confirm you are authorized to use the payment method
• You agree to pay all applicable fees and taxes

Chargeback Policy

• Contact us before initiating chargebacks
• Unresolved chargebacks may result in account restrictions
• Additional fees may apply for disputed transactions

Privacy and Data Use

• Payment information processed securely
• No sensitive data stored on our servers
• Third-party processors follow strict privacy policies
• Data used only for transaction processing