Arbsbuy LLC — Payment & Billing Policy

Effective Date: 22nd November, 2025

This Payment & Billing Policy explains how payments are processed, the methods we accept, how billing information is handled, and your responsibilities when completing transactions on https://arbsbuy.com. By placing an order, you agree to the practices described below.

1. Accepted Payment Methods

Arbsbuy LLC accepts multiple secure payment methods, including:

• Visa, MasterCard, American Express, Discover
• PayPal
• Stripe (credit/debit card payments)
• Apple Pay & Google Pay (where available)
• Local payment options (varies by country)

All payments are processed in U.S. Dollars (USD). Your card issuer or bank may apply foreign currency conversion fees if applicable.

2. Billing Information Requirements

To complete your purchase, you must provide accurate billing information. You confirm that:

• All billing details are true, complete, and authorized
• You legally own or are authorized to use the payment method provided
• You will update information if any detail changes

Orders may be delayed or cancelled if billing information cannot be verified.

3. Payment Authorization

When placing an order, you authorize Arbsbuy LLC and our payment partners to:

• Charge your selected payment method for the total order amount
• Verify your payment method and billing information
• Use fraud-screening tools to ensure safe transactions

Orders may be subject to additional verification including ID checks, proof of address, or confirmation emails.

4. Pricing, Taxes & Currency

• All prices on arbsbuy.com are shown in USD.
• Prices may change at any time without prior notice.
• Taxes, VAT, duties, and customs fees are the customer’s responsibility.
• Shipping fees (when applicable) are shown during checkout.

International Orders

Your bank or card issuer may charge:

• International processing fees
• Currency conversion fees
• Cross-border transaction fees

Arbsbuy LLC is not responsible for such charges.

5. Payment Security

We use industry-standard security technology to protect your data, including:

• SSL encryption for all transactions
• Secure hosted payment gateways (Stripe, PayPal)
• No local storage of credit/debit card numbers

Your full card details are never stored on our servers for security reasons.

6. Fraud Screening & Verification

To protect customers and prevent fraud, Arbsbuy LLC may conduct additional review for:

• High-value orders
• Multiple attempts with different cards
• Shipping/billing mismatch
• Orders from flagged or high-risk locations
• Unusual buyer activity patterns

Orders may be cancelled if fraud is suspected or verification is not completed.

7. Failed, Declined, or Reversed Payments

• If a payment is declined, the order will not be processed.
• Customers must contact their bank or card provider for assistance.
• Arbsbuy LLC is not responsible for delays due to declined transactions.

If a payment is reversed or disputed falsely, Arbsbuy LLC reserves the right to restrict, suspend, or terminate customer accounts.

8. Chargebacks & Disputes

Before filing a dispute or chargeback, customers must contact us at support@arbsbuy.com.

Arbsbuy LLC will dispute chargebacks in cases where:

• The order was delivered successfully (with tracking proof)
• The buyer failed to follow our Returns & Refunds Policy
• Fraudulent claims were made (e.g., “item not received” when delivered)
• The buyer refused to provide required verification

Fraudulent chargebacks may result in:

• Permanent account ban
• Collection agency involvement
• Legal action under U.S. chargeback fraud laws

9. Marketplace Vendor Payments (Future Feature)

This section applies to future vendors selling through Arbsbuy LLC’s marketplace platform.

Vendor Earnings

• Vendors will receive payouts according to their commission structure
• Payout frequency (weekly/monthly) will be defined in the Vendor Agreement
• Vendor payment details must be accurate and updated regularly

Vendor Responsibilities

• Provide truthful product descriptions
• Comply with U.S. and international commerce laws
• Ship products on time
• Respect buyer rights and store policies

Vendor Fraud Prevention

• Arbsbuy LLC may hold vendor payouts for fraudulent or disputed orders
• Vendors engaging in scams or misrepresentation may face account termination

This policy ensures a fair and safe environment for future marketplace operations.

10. Billing Errors & Corrections

If a billing error occurs, we will investigate immediately. If the error is confirmed:

• A refund or adjustment will be issued
• Overcharges will be credited to your original payment method
• Duplicate charges will be reversed

Customers must report billing errors within 30 days of the transaction.

11. Updates to This Policy

Arbsbuy LLC may update this Payment & Billing Policy at any time to reflect:

• Changes in payment processors
• Updates in security practices
• New marketplace vendor features
• Legal or regulatory requirements

Updates take effect immediately upon posting.

12. Contact Information