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.

2. Credit System

Credit Value

Our platform operates on a credit-based system where 10 credits equals 1 USD. Prices are displayed in your selected currency (USD, EUR, PLN, KZT, CAD, AZN, AUD) using real-time exchange rates. 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 securely through our certified payment processor. Purchased credits are added to your account immediately upon successful payment.

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)

We accept payments in USD, EUR, PLN, KZT, CAD, AZN, and AUD. Prices are displayed in your selected currency with real-time exchange rates. We accept Visa and Mastercard only.

4. Payment Processing

Payment Security

All payment transactions are processed securely through our certified payment processor. STELLAR does not store your full card details on our servers. All sensitive payment information is encrypted and handled directly by our payment provider.

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 service price after the platform fee. Earnings are credited to your specialist wallet upon successful order completion.

Payout Methods

Specialists can request payouts to their bank account. Minimum payout thresholds and processing times may apply.

Payout Schedule

Payouts are processed on a regular schedule. Please refer to your specialist dashboard for specific payout dates and pending earnings.

7. Refunds

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

• Unused credits may be refunded within 14 days of purchase
• Service-related refunds are handled on a case-by-case basis
• Refunds are processed to the original payment method
• 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, and AUD. Credit values are based on USD (10 credits = 1 USD) with prices displayed in your selected currency using real-time exchange rates.

Supported Currencies

STELLAR supports the following currencies: US Dollar (USD), Euro (EUR), Polish Zloty (PLN), Kazakh Tenge (KZT), Canadian Dollar (CAD), Azerbaijani Manat (AZN), and Australian Dollar (AUD). Exchange rates are updated daily from reliable market sources.