Payment Policy

This Payment Policy explains how payments are processed on Stage-X.biz, what we accept, how refunds are handled, and security measures to protect your information. 

Accepted payment methods 
We accept major credit and debit cards (Visa, Mastercard, American Express where available) and common digital wallets shown at checkout. For wholesale or large B2B orders, contact account@stage-x.biz to arrange invoicing and bank transfer options. 

When payment is taken 
For standard purchases, payment is authorised and charged at the time you place the order. For pre-orders, deposits or backorders, we will explain payment timing on the product page. 

Payment processors & security 
We use reputable third-party payment processors to handle card transactions. These payment partners are PCI-DSS compliant. Stage-X.biz does not store full card numbers on our servers; instead, we receive secure tokens or limited payment metadata necessary for order records. 

Data protection & PCI compliance 
Our chosen payment gateways comply with industry standards for protecting cardholder data. We take additional measures — TLS/SSL encryption for checkout pages, secure tokenization where available, and internal procedures to limit access to payment information. If you’d like to know which processors we use, contact support@stage-x.biz. 

Currency & conversion 
Prices are displayed in the currency shown on the website. If your card issuer applies conversion fees, those are charged by your bank and not Stage-X.biz. For international orders, the final settled amount on your statement may vary slightly due to exchange rates. 

Failed payments & authorisations 
If a payment authorization fails, you’ll be prompted to retry with another method. Some banks place temporary holds when authorising payments; these authorisation holds are released by the bank per their policies when the transaction is settled or cancelled. 

Refund processing 
Refunds for returned or cancelled orders are credited to the original payment method. After we process a refund, it can take 5–15 business days for your card issuer to reflect the amount depending on the bank. Refunds for fees charged by payment processors may be limited per processor policies; we’ll disclose fee refundability at purchase where applicable. 

Chargebacks & disputes 
If you dispute a charge with your card issuer, please contact  support@stage-x.biz first so we can attempt resolution. We will cooperate with card issuers during dispute investigations and provide evidence as required. If a chargeback is resolved in our favour and funds are returned to us, we will inform you and may pursue collection if appropriate. 

Recurring billing & subscriptions 
If you subscribe to a Stage-X.biz subscription product (for example, memberships or recurring services), you authorise us to charge your selected payment method for periodic renewal until you cancel. You can cancel subscriptions from your account page or by contacting support. Refunds for partially used subscription periods will be handled per the subscription terms we provide at signup. 

Invoice terms for B2B 
Wholesale or enterprise customers may be billed by invoice under negotiated payment terms. Invoice payment terms will be specified in the contract. Overdue invoices may incur late fees as stated in the agreement. 

Refunds on digital goods 
Digital goods (if offered) are typically non-refundable unless defective or misrepresented; we will handle exceptions on a case-by-case basis. 

Anti-fraud measures 
To keep prices fair and protect customers, we use fraud detection and verification tools. If an order is flagged, we may request additional verification or pause fulfillment until we confirm identity and payment legitimacy. 

Contact 
For payment questions, refunds, or disputes, email support@stage-x.biz.