marketplaces/src/app/pages/legal/payment-terms/en/payment-terms-en.component.html

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    <h1>Payment Terms</h1>
    
    <section class="legal-section">
      <h2>1. General Provisions</h2>
      <p>1.1. These Terms define the payment procedures for Goods and Services purchased by Buyers through the DexarMarket Marketplace.</p>
      <p>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.</p>
      <p>1.3. Payment for goods and services on the Marketplace is made in Russian rubles (RUB).</p>
      <p>1.4. Prices for Goods/Services are set by Sellers independently and are indicated on the respective Goods/Services page.</p>
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      <h2>2. Payment Methods</h2>
      <p>2.1. The Marketplace supports the following payment methods:</p>
    
      <div class="payment-methods">
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          <img src="/assets/images/mir-logo.svg" alt="MIR" loading="lazy" width="80" height="50" />
          <img src="/assets/images/visa-logo.svg" alt="Visa" loading="lazy" width="80" height="50" />
          <img src="/assets/images/mastercard-logo.svg" alt="Mastercard" loading="lazy" width="80" height="50" />
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      <ul>
        <li><strong>Bank cards:</strong> Visa, Mastercard, MIR</li>
        <li><strong>Fast Payment System (FPS):</strong> instant transfer via mobile banking app</li>
        <li><strong>E-wallets:</strong> YooMoney, QIWI (if available)</li>
        <li><strong>Payment by link:</strong> generation of a unique payment link for each order</li>
      </ul>
      <p>2.2. Available payment methods may vary depending on the Seller and type of Goods/Services.</p>
      <p>2.3. All payments are processed through certified payment systems in compliance with PCI DSS security standards.</p>
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      <h2>3. Payment Process</h2>
      <p>3.1. The order payment procedure includes the following steps:</p>
      <ol>
        <li>Selecting Goods/Services and adding them to the cart</li>
        <li>Placing an order with contact details and delivery method (if applicable)</li>
        <li>Choosing a payment method from available options</li>
        <li>Redirecting to a secure payment system page or receiving a payment link</li>
        <li>Entering payment details and confirming payment</li>
        <li>Receiving a successful payment notification</li>
      </ol>
      <p>3.2. When paying by bank card, the Buyer may be redirected to the issuing bank's page for additional authentication (3D-Secure).</p>
      <p>3.3. The Buyer's payment obligation is considered fulfilled upon receipt of funds by the payment system.</p>
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      <h2>4. Payment Security</h2>
      <p>4.1. All payments are processed through a secure HTTPS connection using TLS 1.2 protocol and above.</p>
      <p>4.2. The Marketplace does not store full bank card data of Buyers. Payment data processing is carried out by certified payment aggregators.</p>
      <p>4.3. 3D-Secure technology is used to protect against fraud, requiring payment confirmation via SMS code or push notification from the bank.</p>
      <p>4.4. In case of suspicious activity, the payment system reserves the right to request additional identity verification of the Buyer.</p>
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      <h2>5. Payment Confirmation</h2>
      <p>5.1. After successful payment, the Buyer receives a confirmation to the email address provided during order placement.</p>
      <p>5.2. The confirmation contains the following information:</p>
      <ul>
        <li>Order number</li>
        <li>Date and time of payment</li>
        <li>Payment amount</li>
        <li>Order contents</li>
        <li>Seller contact details</li>
      </ul>
      <p>5.3. Order information is also displayed in the Buyer's personal account on the Marketplace (if registered).</p>
      <p>5.4. A fiscal receipt is sent by the Seller in accordance with the requirements of RF legislation.</p>
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      <h2>6. Refunds</h2>
      <p>6.1. The refund procedure is governed by the <a [routerLink]="'/return-policy' | langRoute">Return Policy</a> and depends on the type of Goods/Services purchased.</p>
      <p>6.2. Refunds are made to the same payment instrument used for the original payment.</p>
      <p>6.3. Refund processing times are as follows:</p>
      <ul>
        <li>To a bank card: 3 to 30 banking days (depending on the issuing bank)</li>
        <li>To an e-wallet: 1 to 5 business days</li>
        <li>Via FPS: 1 to 3 business days</li>
      </ul>
      <p>6.4. The Marketplace does not charge a commission for processing refunds. Payment system and bank fees may apply in accordance with their tariffs.</p>
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      <h2>7. Failed Payments</h2>
      <p>7.1. A payment may be declined for the following reasons:</p>
      <ul>
        <li>Insufficient funds in the account</li>
        <li>Incorrectly entered payment details</li>
        <li>Card is blocked or expired</li>
        <li>Transaction limits set by the bank have been exceeded</li>
        <li>Transaction rejected by the security system</li>
      </ul>
      <p>7.2. In case of an unsuccessful payment, the Buyer receives a notification indicating the reason for the decline.</p>
      <p>7.3. If you experience payment issues, it is recommended to:</p>
      <ul>
        <li>Verify the accuracy of the entered data</li>
        <li>Contact the card-issuing bank to clarify the reason for the decline</li>
        <li>Try an alternative payment method</li>
        <li>Contact support: <a href="mailto:info@dexarmarket.ru">info&#64;dexarmarket.ru</a></li>
      </ul>
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      <h2>8. Payment Inquiries Contact</h2>
      <p>For questions related to order payments, you can contact us:</p>
      <ul>
        <li><strong>Email:</strong> <a href="mailto:info@dexarmarket.ru">info&#64;dexarmarket.ru</a></li>
        <li><strong>Working hours:</strong> 24/7 (technical support)</li>
        <li><strong>Average response time:</strong> Up to 24 hours on business days</li>
      </ul>
      <p>When contacting us, please provide your order number and a brief description of the issue for a faster resolution.</p>
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