Payment Terms
Last updated:
1. Accepted Payment Options
The payment options currently available for an order are those displayed at checkout. Availability may depend on device, location, currency, cart contents, and the payment provider. Smartbiu does not promise a method that is not shown for the transaction.
2. Authorization and Charge Timing
By submitting an order, you authorize the payment provider to verify the method and process the amount shown at checkout. A temporary authorization hold may appear before capture. The timing of capture depends on the method, provider, and order workflow.
3. Currency, Taxes, and Fees
The checkout identifies the transaction currency and amounts charged by Smartbiu. Your financial institution may apply conversion rates or fees independently. Applicable taxes, shipping charges, and disclosed duties are included in the order total or identified before submission.
4. Failed, Reversed, or Duplicate Payments
A payment may fail or be reversed because of issuer controls, incorrect details, insufficient funds, fraud screening, technical error, or provider restrictions. Do not repeatedly submit payment if the result is uncertain; first check the order confirmation and account activity, then contact support.
5. Fraud Prevention and Verification
We and payment providers may use automated and manual checks to protect customers and prevent unlawful transactions. We may request reasonable verification, limit payment attempts, delay fulfillment, or cancel an order when risk cannot be resolved.
6. Refunds
Approved refunds are generally returned to the original payment method unless applicable law or provider rules require another method. After Smartbiu completes a refund, the payment provider or financial institution may require additional time to post it.
7. Installments, Wallets, and Subscriptions
If an installment plan or digital wallet is offered, its provider may apply separate terms that are shown before authorization. Smartbiu does not offer a recurring subscription unless the checkout clearly states the recurring amount, frequency, and cancellation method before purchase.
8. Chargebacks and Disputes
Contact hello@smartbiu.com promptly about an unrecognized or incorrect charge so we can investigate. This does not limit any right to contact your payment provider, but complete information can help avoid duplicate proceedings.
9. Contact
Payment questions may be sent to hello@smartbiu.com or discussed by phone at +1 718-672-5120.