Payment Policy

Payment Policy

Input Hub · Payment Policy · v1.0 · Effective 20 October 2026

1 Scope & purpose

1.1 This Payment Policy governs customer payments for one-time Digital Product purchases at input-hub.com. It explains accepted methods, currencies, checkout approval, payment security, authorisations, reversals, refunds, disputes and the relationship between successful payment and downloadable-file delivery. The seller is WILDMINT WORKS LTD, trading as Input Hub.

1.2 This Policy supplements the Terms & Conditions, Refund Policy and Digital Product Fulfilment Policy. Nothing here requires consumers to waive non-excludable rights under applicable payment, consumer or data-protection law. A separate card issuer or payment processor may also have legally applicable terms.

2 Nature of transactions

2.1 Each Order represents a separately authorised purchase of the product, quantity and licence terms selected. No customer is charged automatically at a later renewal date, and use of an Account does not create a continuing payment mandate. Optional future Orders require a new checkout action.

2.2 Digital Products are supplied electronically, ordinarily by an account download or secure link after the payment is confirmed. The payment confirmation and the fulfilment confirmation are related but distinct events; a card hold alone does not prove the file was provided.

2.3 The Order record normally includes a unique reference, product, selected currency, tax treatment, gross amount, masked method details and payment/fulfilment status. We rely on this record to answer ordinary billing enquiries and prevent duplicate debits.

3 Accepted payment methods

3.1 Input Hub accepts Visa and Mastercard payment cards when those methods are displayed as available at checkout. Availability may depend on the card's issuer, location, security settings or the selected checkout flow. Only methods actually shown and enabled on the payment page may be used for a particular Order.

3.2 We do not promise to accept cash, bank transfer, cryptocurrency, e-money deposits or other unlisted methods. We do not hold customer funds in an electronic wallet and do not facilitate payments to unrelated vendors. A card payment is processed by independent third-party payment infrastructure.

3.3 A provider or issuer may decline a payment despite a valid card. Do not transmit full card credentials to customer support; place payments only through the checkout interface and follow any secure authentication prompt displayed by your issuer.

4 Billing currencies & pricing display

4.1 The website can present prices and a checkout total in EUR, USD, AUD, CAD or GBP, depending on the selected display/transaction currency. The currency and amount shown in the final payment summary determine the merchant's intended charge for that Order. Check these carefully before confirming payment.

4.2 We do not silently substitute a different billing currency after the customer authorises the Order. Where the card issuer uses a different card-account currency, the issuer may convert the charge using its own rates and may add separate foreign-transaction fees outside our control.

4.3 Product listings may display price comparisons or local currency equivalents. The final checkout price, taxes and delivery conditions control the merchant's invoice amount. A material pricing error discovered before capture may result in the customer being invited to confirm a corrected Order rather than being charged an undisclosed amount.

5 Taxes & charges

5.1 Any VAT, sales tax or other tax legally required for the transaction is calculated or displayed during checkout according to the buyer's circumstances and applicable law. Before submission, customers are shown the final amount to be charged, with taxes or other merchant charges transparently included or itemised as required.

5.2 We do not apply an undisclosed recurring fee, physical-shipping charge or separate payout fee for standard downloadable prompt products. If a particular lawful service charge is introduced in the future, it will be disclosed before that Order is accepted rather than added retrospectively.

6 Authorisation & transaction completion

6.1 Submitting the checkout payment request authorises the payment processor to ask the issuer to approve the specified amount in the displayed currency. The issuer may place an authorisation hold before funds are captured. An authorisation is not always the same as a settled debit.

6.2 We accept an Order when payment approval and ordinary security controls are satisfied and a confirmation is generated. An error page, failed authentication or pending authorisation may leave the Order unpaid; avoid repeatedly pressing Pay without checking the status or contacting support.

6.3 When a payment is settled but fulfilment is delayed, we retain the associated transaction reference and investigate the entitlement under the Digital Product Fulfilment Policy. We will not represent a payment as final delivery if the promised download remains unavailable.

Payment processing lifecycle

7 Use of third-party payment providers

7.1 Payment cards are handled through an independent payment service provider and its acquiring/card-network connections. The provider may process card authorisation, authentication, settlement, refund messaging, fraud screening and chargeback evidence under its own agreements and regulatory responsibilities.

7.2 The provider's identity and any method-specific terms are presented by the checkout interface where applicable. Input Hub receives transaction statuses, masked card metadata, processor references and the information needed to fulfil and reconcile Orders; we do not ask customers to email full card numbers or security codes.

7.3 Changes to processors do not change the seller of record unless expressly disclosed and lawfully agreed. A processor's branded interface does not turn Input Hub into a bank or mean the customer has opened a payment account with us.

8 Security, verification & fraud controls

8.1 We use proportionate checkout security, payment authentication and fraud-prevention controls. Issuers or processors may request 3-D Secure verification, a banking-app approval, an additional code or review of anomalous activity, particularly where Strong Customer Authentication is required.

8.2 Attempting to bypass issuer authentication, conceal a payment's origin, automate stolen-card tests or exploit a checkout error is prohibited. Legitimate declines or mistaken authorisations can be reviewed with support and do not automatically justify permanent exclusion.

9 User payment responsibilities

9.1 You must be authorised to use the selected card and have sufficient funds or credit. Verify the Digital Product, licence terms, total amount, applicable tax and displayed currency before confirming payment. A purchaser acting for a company warrants authority to bind that company.

9.2 Keep your checkout email and order reference so we can locate the transaction. Report an unfamiliar charge promptly and contact the card issuer if there is reason to believe the instrument is compromised. Do not share passwords or one-time authentication codes with other persons.

10 Declined, failed or reversed payments

10.1 A payment may be declined due to issuer rules, insufficient funds, authentication failure, geographic limits, suspicious activity or technical unavailability. Input Hub may not receive the issuer's complete reason for a decline. Contact the issuer when the card itself needs attention.

10.2 If the issuer places a temporary hold but the Order fails, that hold may expire without a merchant refund. We can check whether an actual capture occurred and supply available transaction details. Repeated attempts can produce multiple holds even where only one charge settles.

11 Duplicate charges & technical errors

11.1 If two charges appear for one intended purchase, compare the dates, currency, amount and merchant descriptor. One entry may be an authorisation rather than a settled debit. Contact info@input-hub.com with a masked transaction reference; do not submit a full card number.

11.2 Where a genuine duplicate capture is verified, we arrange the necessary correction, ordinarily by refunding the unintended duplicate to the original payment method. We examine the order history and processor references before issuing a credit so an existing reversal is not duplicated.

11.3 If the wrong Digital Product was linked to a valid payment, we first seek to restore the correct entitlement. If correction cannot deliver the agreed content, the customer retains access to the remedies stated in the Refund Policy and mandatory law.

12 Unauthorised transactions & security reporting

12.1 If you see a charge you did not authorise, report it to your bank/card issuer promptly and email info@input-hub.com with the approximate time, amount, currency and a safe masked reference. The bank may need to block the card or investigate under its own legal and scheme obligations.

12.2 We will review available order and access evidence, protect the affected account and cooperate with valid processor or card-issuer requests. We cannot guarantee that an email to the merchant alone satisfies every deadline in your separate agreement with the issuer.

13 Refunds & relationship to the Refund Policy

13.1 The Refund Policy is the primary statement of eligibility, timing, investigations, digital-content cancellation and licence consequences. A payment capture does not eliminate statutory remedies for non-delivery, defective content or a properly exercised cancellation right.

13.2 We aim to acknowledge refund requests within two Business Days and reach a normal decision or substantive update within ten Business Days. Statutory reimbursements are initiated without undue delay and no later than the applicable legal deadline; ordinary approved non-statutory refunds are generally initiated within five Business Days.

13.3 A refund is ordinarily returned to the original method in the original charged currency. The issuer may need approximately five to ten Business Days to reflect the credit. A full refund ends the corresponding Digital Product licence as explained in the Refund Policy.

14 Chargebacks, retrievals & disputes

14.1 Cardholders retain the right to raise chargebacks, retrieval requests or other disputes through their issuer under applicable scheme rules. We recommend reporting an access or billing error to support first where practical, because direct correction can be faster, but contacting us is not a precondition for any lawful cardholder right.

14.2 When an issuer raises a dispute, the acquirer may request evidence such as the checkout amount and currency, card authentication outcome, order reference, express digital-supply consent record, successful file availability, download logs and customer communications. We provide lawful, relevant evidence within the scheme timetable.

14.3 If a refund and chargeback overlap, we work with the processor to reconcile them and avoid duplicate credits or collections. We will not threaten a cardholder for legitimately using issuer rights; intentional chargeback fraud remains prohibited.

15 Timing of delivery & account crediting

15.1 After confirmed payment, standard Digital Products are ordinarily made available immediately through the Account or a download link associated with the Order. No physical goods are shipped and the purchase does not load monetary value onto an account.

15.2 Payment and delivery records are separate. A successful authorisation does not replace the obligation to make the correct file accessible. If automated fulfilment is held for reasonable fraud review, customers receive an order status and can seek help through info@input-hub.com.

15.3 A paid Order still awaiting fulfilment after one hour should be reported to support; we aim to resolve ordinary access incidents or explain the next step within one Business Day. The Digital Product Fulfilment Policy sets out evidence and remedy routes.

16 Payment records & audit trail

16.1 We maintain necessary transaction references, masked method data, invoice amounts, currency, tax treatment, order status, download entitlement and refund/dispute history to provide the purchased content, respond to queries and comply with applicable legal duties.

16.2 Customers can use the Account order history or confirmation email to locate a purchase. We may ask for limited verification before sharing records associated with another email or payment instrument. We do not disclose other customers' payment or download histories.

17 Geographic & legal restrictions

17.1 Payment availability, card authentication and Digital Product access may vary by country, sanctions restrictions, issuer policy or platform compatibility. We may decline an Order where fulfilment would violate binding law or card-scheme requirements and will not knowingly accept funds for prohibited transactions.

17.2 Customers are responsible for checking whether the Prompt or a separate AI tool can lawfully be used in their jurisdiction. A product price displayed in a local currency does not itself promise worldwide availability of every model or payment method.

18 Minors & payment authority

18.1 The website is intended for purchasers aged 18 or older. You must have authority from the cardholder and, if acting for a business, from that business to place an Order. Account registration does not imply a right to use someone else's payment credentials.

18.2 If a payment was made by a minor or without authorisation, contact the card issuer and support promptly. We assess the transaction, applicable capacity rules and fraud evidence before determining the correct remedy.

18.3 We may apply reasonable age or authority checks to reduce abuse, while limiting the personal data collected and preserving the rights of legitimate consumers and cardholders.

19 Changes to prices, methods & rules

19.1 Input Hub may change catalogue prices, accepted payment methods, supported currencies or risk rules for future Orders. An advertised price change does not automatically alter the amount authorised for an Order already concluded.

19.2 Any new merchant charge or material restriction is disclosed before a new payment is submitted. We do not activate a subscription or recurring billing merely by amending this Policy; each one-time purchase requires separate authorisation.

19.3 Customers can review the displayed checkout total and decline a new transaction if they do not accept its price or currency. Existing statutory claims relating to previous Orders remain unaffected by later commercial changes.

20 Service interruptions & processor downtime

20.1 The checkout may be temporarily unavailable during maintenance, issuer outages, network faults or authentication interruptions. A failed attempt does not necessarily mean money was captured; check the order status and contact us before retrying repeatedly.

20.2 Where a payment is captured but the download cannot be delivered, we preserve the transaction record, restore access when practicable and apply the Refund Policy if the issue cannot be remedied within a legally appropriate period.

21 Contact & complaint route

21.1 Email info@input-hub.com with payment questions, duplicate charges, refund requests and download incidents. Include the order reference, amount, charged currency and date. Customer support is ordinarily available Monday to Friday, 9:00 a.m. to 6:00 p.m. UK time.

21.2 Written correspondence may be directed to WILDMINT WORKS LTD, Dept 7136, 43 Owston Road, Carcroft, Doncaster, United Kingdom, DN6 8DA. We aim to acknowledge ordinary complaints within two Business Days and give a normal decision or substantive update within ten Business Days.

21.3 You remain free to seek card-issuer remedies or assistance from competent consumer bodies and courts. The governing law of England and Wales does not exclude any mandatory protection required to apply to an individual consumer elsewhere.

22 Updates

22.1 We publish the current Payment Policy with its version and effective date. Material changes are made available before they apply to future Orders, and existing contractual payment and statutory rights are not retroactively removed by a policy update.

22.2 Where a payment method or provider changes, we update the relevant checkout presentation and take reasonable steps to avoid confusing the seller identity or statement descriptor. The intended merchant statement descriptor is INPUT HUB; a bank may display a processor-formatted variation.

Practical payment lifecycle overview

Stage A — Selection: inspect the Product Description and licence, choose the transaction currency, review taxes and the final total, and confirm that the payment method is listed as accepted.

Stage B — Authorisation: submit one checkout request through the secured payment interface. Your bank may request 3-D Secure or app approval. A temporary authorisation hold may appear before capture.

Stage C — Confirmation: check the order reference, amount and displayed currency in the confirmation message. If no confirmation appears, verify status before repeating payment to avoid duplicate holds.

Stage D — Delivery: download the file through the Account or order link. If payment is settled but access fails, preserve the evidence and contact support for fulfilment review.

Stage E — Post-sale: retain your receipt. Report errors within a reasonable time, use the Refund Policy where a remedy is due and exercise cardholder dispute rights through the issuer when appropriate.

Good practice for users before submitting payment

A. Verify that the web address is input-hub.com and that the checkout has not redirected to an unexpected imitation site. Avoid sharing authentication codes, passwords or full card details through chat or email.

B. Review the Digital Product's stated compatibility and confirm that a separate AI provider account or subscription, if needed, is not included in the Input Hub purchase price.

C. Confirm the selected currency and total amount. Understand that the issuer may convert the charge or apply its own overseas fees even where the merchant charges correctly.

D. Keep the payment confirmation, licence terms and download link. If a charge seems unfamiliar, compare it with the INPUT HUB descriptor and contact support or your issuer promptly.

E. If a previous checkout attempt appears stuck, do not submit a second payment until you have checked your email, order history and card authorisations or asked support for a transaction review.

Input Hub · Payment Policy · v1.0 · Effective 20 October 2026 · Published on the website; subject to update; the current published version governs.