This Payment Policy describes how payments are accepted for consulting services and training programmes provided by SME DIGITAL INC LTD ("we", "us", "our"). Our goal is to ensure that every client experiences a smooth, secure, and clear payment process.
For any questions about payments, please contact us at.
For any questions about payments, please contact us at.
1. Payment Options
We accept the following payment methods:
Major credit/debit cards – including Visa, Mastercard, American Express;
Online payments via our secure payment provider Stripe;
Digital wallets – Apple Pay, Google Pay, Klarna, etc. (depending on availability in your region);
Bank transfer – only upon prior agreement and to the official company account.
Please note: we do not accept cash, cheques, or payments to personal accounts.
We accept the following payment methods:
Major credit/debit cards – including Visa, Mastercard, American Express;
Online payments via our secure payment provider Stripe;
Digital wallets – Apple Pay, Google Pay, Klarna, etc. (depending on availability in your region);
Bank transfer – only upon prior agreement and to the official company account.
Please note: we do not accept cash, cheques, or payments to personal accounts.
2. Security of Payments
Secure Processing: All transactions are handled by Stripe, a fully PCI DSS-compliant platform. We do not collect or store full card numbers or CVV codes.
SSL Encryption: Our website uses SSL encryption to ensure that your data is transmitted securely.
Anti-Fraud Checks: Payments may be declined if flagged as suspicious by Stripe’s fraud prevention tools. We may contact you to verify details if necessary.
Authentication: If your card uses 3D Secure, you may be required to confirm your identity during checkout.
Secure Processing: All transactions are handled by Stripe, a fully PCI DSS-compliant platform. We do not collect or store full card numbers or CVV codes.
SSL Encryption: Our website uses SSL encryption to ensure that your data is transmitted securely.
Anti-Fraud Checks: Payments may be declined if flagged as suspicious by Stripe’s fraud prevention tools. We may contact you to verify details if necessary.
Authentication: If your card uses 3D Secure, you may be required to confirm your identity during checkout.
3. Currency and Exchange Fees
All service prices are listed in British Pounds (GBP) unless otherwise stated. If you pay in another currency, your bank may apply its own exchange rate and transaction fee. We are not responsible for those charges.
All service prices are listed in British Pounds (GBP) unless otherwise stated. If you pay in another currency, your bank may apply its own exchange rate and transaction fee. We are not responsible for those charges.
4. Taxes (VAT)
We operate in accordance with UK tax regulations. VAT may apply depending on the type of service and client location. If VAT is included or added, it will be shown clearly at checkout and on your invoice.
We operate in accordance with UK tax regulations. VAT may apply depending on the type of service and client location. If VAT is included or added, it will be shown clearly at checkout and on your invoice.
5. Payment Confirmation
Once your payment is successfully processed, you will receive:
An email confirmation with a digital receipt;
Access to the service or course, as described on the website or in your agreement.
Once your payment is successfully processed, you will receive:
An email confirmation with a digital receipt;
Access to the service or course, as described on the website or in your agreement.
6. Unsuccessful Transactions
If your payment fails (due to insufficient funds, incorrect details, or technical error):
The order will be cancelled automatically;
No service or access will be provided;
You can retry using a different method or contact your bank for clarification.
If your payment fails (due to insufficient funds, incorrect details, or technical error):
The order will be cancelled automatically;
No service or access will be provided;
You can retry using a different method or contact your bank for clarification.
7. Duplicate or Excess Payments
If you believe you’ve paid twice or more than required, notify us immediately. We will verify and, if confirmed, initiate a refund of any excess payment.
If you believe you’ve paid twice or more than required, notify us immediately. We will verify and, if confirmed, initiate a refund of any excess payment.
8. Payment Disputes & Chargebacks
Please reach out to us first to resolve any issues before contacting your bank. If a chargeback is raised without valid justification, and we can prove that the transaction was authorised and services delivered, we may pursue recovery of the payment and any associated fees.
Please reach out to us first to resolve any issues before contacting your bank. If a chargeback is raised without valid justification, and we can prove that the transaction was authorised and services delivered, we may pursue recovery of the payment and any associated fees.
9. Instalment Plans
Where applicable, we may offer split payments (e.g., deposit + balance before course start or project phase). Any instalment plan must be agreed in writing. Failure to make payments by the due dates may result in cancellation without refund.
Where applicable, we may offer split payments (e.g., deposit + balance before course start or project phase). Any instalment plan must be agreed in writing. Failure to make payments by the due dates may result in cancellation without refund.
10. Refunds
Refunds, if eligible, will be returned via Stripe to the same method used for payment. Refund timelines depend on your bank but typically take 5–10 business days. See our Refund Policy for full details.
Refunds, if eligible, will be returned via Stripe to the same method used for payment. Refund timelines depend on your bank but typically take 5–10 business days. See our Refund Policy for full details.
11. Incorrect Charges
If you notice an incorrect or unauthorised charge, email us immediately at. We will investigate and rectify the issue if confirmed.
If you notice an incorrect or unauthorised charge, email us immediately at. We will investigate and rectify the issue if confirmed.
By making a payment, you confirm your acceptance of this Payment Policy as well as our Terms of Use and Refund Policy. We may update this document from time to time — please refer to our website for the latest version.
SME DIGITAL INC LTD
110 Victoria Road
Chatham
ME4 5EU
© 2023 all rights reserved
