Payment Policy

1. PAYMENT PROCESSING

All payments on ReelMatic are processed securely through a PCI DSS Level 1 certified payment processor.

• We do NOT store your full credit card details on our servers
• All transactions are encrypted with HTTPS/TLS
• Our payment processor handles all sensitive payment information securely

2. ACCEPTED PAYMENT METHODS

We accept the following payment methods:

2.1 Credit & Debit Cards

• Visa
• Mastercard

2.2 Bank Transfers (Expert Only)

ACH and SEPA transfers available for expert tier customers with monthly invoicing.

2.3 Cryptocurrency

Not currently supported. May be added in the future.

3. CURRENCY

All prices are listed in USD ($).

• 1 credit = $0.01 USD
• International cards supported
• Currency conversion fees may apply (charged by your bank)

4. BILLING PROCESS

4.1 Credit Pack Purchases

One-time purchases:

1. Select a credit pack
2. Enter payment details (or use saved payment method)
3. Review and confirm purchase
4. Payment is charged immediately
5. Credits are added to your account instantly
6. Email receipt sent

4.2 Retainer Subscriptions

Subscription billing:

• Charged upfront (12 or 24 months)
• No recurring monthly charges
• Total amount charged at time of purchase
• Credits allocated immediately

4.3 Pre-Authorization

For high-value transactions ($500+), we may pre-authorize your payment method:

• Temporary hold on funds
• Verified before processing
• Hold released within 5-7 business days if not captured

5. PRICING AND FEES

5.1 Transparent Pricing

All prices displayed include:

• Base cost of credits
• No hidden fees
• No monthly service charges

5.2 Taxes

Depending on your location, you may be charged:

• VAT (EU, UK): Added at checkout if applicable
• GST (Australia, New Zealand, Canada): Added at checkout
• Sales Tax (US): Added based on billing address

Tax-exempt? Provide your VAT ID or tax-exempt certificate in your billing settings.

5.3 Transaction Fees

Our payment processor charges processing fees (~2.9% + $0.30 per transaction), but we absorb these costs:

• You pay the displayed price
• No additional transaction fees for customers

5.4 Refund Processing Fees

Payment processing fees are non-refundable:

• You receive the refund amount minus original processing fees
• Example: $100 purchase → $97.40 refund (after $2.60 processing fees)

6. FAILED PAYMENTS

6.1 Payment Declined

If your payment is declined:

• You'll receive an error message with the reason
• Common reasons: insufficient funds, expired card, incorrect CVV
• Try a different payment method
• Contact your bank if the issue persists

6.2 Subscription Payment Failure

For retainer subscriptions (if recurring):

• We'll retry payment 3 times over 7 days
• Email notifications sent for each failure
• Subscription suspended after final failure
• Grace period of 7 days to update payment method

7. INVOICES AND RECEIPTS

7.1 Email Receipts

After each purchase, you'll receive:

• Email receipt from noreply@reelmatic.studio
• Transaction ID
• Date and time
• Amount charged
• Credits purchased
• Last 4 digits of payment method

7.2 Invoice History

Access your invoices:

• Dashboard → Billing → Invoices
• View, download, or print PDF invoices
• 7-year retention for tax purposes

7.3 VAT Invoices

EU customers can:

• Add VAT ID in billing settings
• Receive VAT-compliant invoices
• Reverse charge mechanism for B2B (if applicable)

8. CHARGEBACKS AND DISPUTES

8.1 Contact Us First

8.2 Chargeback Process

If you file a chargeback:

• Your account will be immediately suspended
• We'll provide evidence to your bank and payment processor
• If chargeback is found fraudulent, legal action may be taken

8.3 Chargeback Fees

If a chargeback is reversed in our favor:

• $15 chargeback fee will be charged to you
• Account may remain suspended

9. FRAUD PREVENTION

We use advanced fraud detection systems to detect and prevent fraudulent transactions:

• Machine learning-based fraud detection
• 3D Secure authentication for high-risk transactions
• Address verification (AVS)
• CVV verification

Suspicious transactions may be flagged for manual review.

10. PAYMENT METHOD MANAGEMENT

10.1 Saved Payment Methods

You can save payment methods for faster checkout:

• Stored securely by our payment processor (not on our servers)
• Manage in Billing → Payment Methods
• Set a default payment method
• Delete payment methods anytime

10.2 Auto-Update

Our payment processor's account updater automatically updates:

• Expired card information
• Renewed card details
• Prevents failed payments due to outdated cards

11. EXPERT BILLING

For enterprise customers with custom contracts:

• Monthly invoicing available
• ACH/SEPA bank transfers
• Net-30 payment terms
• Purchase orders accepted
• Dedicated account manager

Contact support@reelmatic.studio for enterprise billing.

12. SECURITY AND COMPLIANCE

We maintain the highest security standards:

• PCI DSS Compliance: Our payment processor is Level 1 PCI certified
• Encryption: All transactions use HTTPS/TLS 1.2+
• GDPR Compliance: EU data protection standards
• SOC 2: Our payment processor is SOC 2 Type II certified

13. CONTACT INFORMATION

For billing questions or payment issues:

• Billing Support: billing@reelmatic.studio
• General Support: support@reelmatic.studio
• Enterprise Sales: support@reelmatic.studio