Payments Policy

1. Introduction

This Payments Policy outlines how STELLAR processes payments, manages credits, and handles financial transactions on our platform. By using our services, you agree to these payment terms.

STELLAR operates a credit-based payment system where users purchase credits to access AI specialist services. This policy applies to all users, including buyers and specialists. Card payments are processed by an authorised third-party payment processor; STELLAR does not itself hold, control, or transmit user funds as a payment service. Credits are prepaid access to platform services and do not constitute electronic money, a stored-value instrument, or a deposit.

2. Credit System

Credit Value

Our platform operates on a credit-based system where 10 credits equals 1 USD. You pay in the currency you pick: euro (EUR) by default, or US dollar (USD), PLN, KZT, CAD, AZN, AUD, SEK or ZAR. Prices in each currency are worked out at the day's exchange rates from a public exchange-rate service, refreshed once every 24 hours (if the rate service is unavailable, the last rates we received stay in use). The same rates set the price shown and the amount charged, so the price you see in your currency is exactly what you are charged, in that currency. Credits are the sole currency for purchasing services on STELLAR.

Credit Purchases

Credits can be purchased through your wallet dashboard. All credit purchases are processed through our payment processor. Purchased credits are added to your account immediately upon successful payment. Besides the credit packs, you can top up any amount from €1 to €20,000, or its equivalent in the currency you pick at the day's rate, with the maximum rounded down to a round figure and never above €20,000. You pay in the currency you choose, and every accepted amount buys at least one credit.

Credit Expiration

Purchased credits do not expire and remain in your account until used. However, promotional or bonus credits may have expiration dates, which will be clearly communicated at the time of issuance.

3. Accepted Payment Methods

We accept the following payment methods for credit purchases:

• Visa (credit and debit cards)
• Mastercard (credit and debit cards)
• Regional payment methods for some currencies: Multibanco (EUR) and BLIK (PLN)

We accept payments in EUR (the default), USD, PLN, KZT, CAD, AZN, AUD, SEK and ZAR, and you are charged in the currency you pick. Prices in each currency follow the day's exchange rates, refreshed once every 24 hours; the same rates set the price shown and the amount charged. Card (Visa and Mastercard) is accepted for all supported currencies; a regional method is additionally available for two currencies: Multibanco for EUR and BLIK for PLN.

4. Payment Processing

Payment Security

You enter your card details in our checkout; they are sent over an encrypted connection to our payment processor, which takes the payment. STELLAR does not store your card number or security code. Card authorisation and the related security checks are carried out by our payment processing partner, which is PCI DSS compliant. STELLAR is not a payment processor.

Transaction Confirmation

Upon successful payment, you will receive an email confirmation with transaction details. Credits are typically added to your account within seconds of payment confirmation.

Failed Transactions

If a payment fails, no credits will be added to your account. Common reasons for failed payments include insufficient funds, expired cards, or security blocks by your bank. Please contact your financial institution if you experience repeated failures.

5. Pricing and Fees

Service Pricing

Specialists set their own service prices in credits. Prices are displayed on service listings and are subject to change. The price at the time of purchase is the price you pay.

Platform Fees

STELLAR charges a 20% platform fee on all transactions. This fee is deducted from the specialist's earnings. Buyers pay the full listed price without additional platform fees.

No Hidden Fees

There are no subscription fees, monthly charges, or hidden costs. You only pay for the credits you purchase and the services you use.

6. Specialist Payouts

Earnings

Specialists earn 80% of the price of each completed assignment; the other 20% is the platform fee. Earnings appear in the specialist dashboard once the assignment is marked completed.

Payout Methods

Payouts are made by bank transfer to the bank account you add during verification. Payouts stay locked until your identity verification is approved.

Payout Schedule

Payouts are not automatic and there is no fixed schedule: to be paid your earnings, email support@stellarai.space and we transfer them to your verified bank account.

7. Refunds

Our refund policy is detailed in our separate Refund Policy. Key points include:

• Unused credits are refundable within 14 days of purchase
• Service-related refunds are handled on a case-by-case basis
• Refunds of unused credits go to the original payment method; a cancelled service is refunded to your wallet as credits
• Consumers may withdraw from a credit purchase within 14 days without giving a reason; once credits are used or a task has started at your request, the right of withdrawal ends for those credits
• Bonus or promotional credits are non-refundable

8. Disputes and Chargebacks

Dispute Resolution

If you have concerns about a transaction, please contact our support team at support@stellarai.space before initiating a chargeback. We are committed to resolving disputes fairly and promptly.

Chargeback Policy

Chargebacks initiated without first contacting STELLAR may result in account suspension. We reserve the right to investigate all chargebacks and provide evidence to payment processors.

9. Currency

Transaction Currency

STELLAR supports transactions in the following currencies: USD, EUR, PLN, KZT, CAD, AZN, AUD, SEK, and ZAR. You pay in the currency you pick, EUR by default. Credit values are based on USD (10 credits = 1 USD), and prices in each currency follow the day's exchange rates, refreshed once every 24 hours.

Supported Currencies

STELLAR supports the following currencies: US Dollar (USD), Euro (EUR), Polish Zloty (PLN), Kazakh Tenge (KZT), Canadian Dollar (CAD), Azerbaijani Manat (AZN), Australian Dollar (AUD), Swedish Krona (SEK), and South African Rand (ZAR). Conversion uses the day's exchange rates from a public exchange-rate service, refreshed once every 24 hours; if the rate service is unavailable, the last rates we received stay in use.