# Payment Terms

## 1. General Provisions

1.1. These Terms define the payment procedures for Goods and Services purchased by Buyers through the Marketplace Marketplace.

1.2. Payment is made for Goods/Services listed by independent Sellers. The Marketplace acts as an information intermediary and provides the technical infrastructure for processing payments.

1.3. Payment for goods and services on the Marketplace is made in Russian rubles (RUB).

1.4. Prices for Goods/Services are set by Sellers independently and are indicated on the respective Goods/Services page.

## 2. Payment Methods

2.1. The Marketplace supports the following payment methods:

- Bank cards: Visa, Mastercard, MIR
- Fast Payment System (FPS): instant transfer via mobile banking app
- E-wallets: YooMoney, QIWI (if available)
- Payment by link: generation of a unique payment link for each order

2.2. Available payment methods may vary depending on the Seller and type of Goods/Services.

2.3. All payments are processed through certified payment systems in compliance with PCI DSS security standards.

## 3. Payment Process

3.1. The order payment procedure includes the following steps:

1. Selecting Goods/Services and adding them to the cart
2. Placing an order with contact details and delivery method (if applicable)
3. Choosing a payment method from available options
4. Redirecting to a secure payment system page or receiving a payment link
5. Entering payment details and confirming payment
6. Receiving a successful payment notification

3.2. When paying by bank card, the Buyer may be redirected to the issuing bank's page for additional authentication (3D-Secure).

3.3. The Buyer's payment obligation is considered fulfilled upon receipt of funds by the payment system.

## 4. Payment Security

4.1. All payments are processed through a secure HTTPS connection using TLS 1.2 protocol and above.

4.2. The Marketplace does not store full bank card data of Buyers. Payment data processing is carried out by certified payment aggregators.

4.3. 3D-Secure technology is used to protect against fraud, requiring payment confirmation via SMS code or push notification from the bank.

4.4. In case of suspicious activity, the payment system reserves the right to request additional identity verification of the Buyer.

## 5. Payment Confirmation

5.1. After successful payment, the Buyer receives a confirmation to the email address provided during order placement.

5.2. The confirmation contains the following information:

- Order number
- Date and time of payment
- Payment amount
- Order contents
- Seller contact details

5.3. Order information is also displayed in the Buyer's personal account on the Marketplace (if registered).

5.4. A fiscal receipt is sent by the Seller in accordance with the requirements of RF legislation.

## 6. Refunds

6.1. The refund procedure is governed by the Return Policy and depends on the type of Goods/Services purchased.

6.2. Refunds are made to the same payment instrument used for the original payment.

6.3. Refund processing times are as follows:

- To a bank card: 3 to 30 banking days (depending on the issuing bank)
- To an e-wallet: 1 to 5 business days
- Via FPS: 1 to 3 business days

6.4. The Marketplace does not charge a commission for processing refunds. Payment system and bank fees may apply in accordance with their tariffs.

## 7. Failed Payments

7.1. A payment may be declined for the following reasons:

- Insufficient funds in the account
- Incorrectly entered payment details
- Card is blocked or expired
- Transaction limits set by the bank have been exceeded
- Transaction rejected by the security system

7.2. In case of an unsuccessful payment, the Buyer receives a notification indicating the reason for the decline.

7.3. If you experience payment issues, it is recommended to:

- Verify the accuracy of the entered data
- Contact the card-issuing bank to clarify the reason for the decline
- Try an alternative payment method
- Contact support: the Contacts page

## 8. Payment Inquiries Contact

For questions related to order payments, you can contact us:

- Email: the Contacts page
- Working hours: 24/7 (technical support)
- Average response time: Up to 24 hours on business days

When contacting us, please provide your order number and a brief description of the issue for a faster resolution.