Effective date: 02.05.2025

This Payment Policy (the “Policy”) explains how payments are processed for products and services offered by Qore Chat ("Qore", "we", "our", or "us") at qore.chat (the “Service”). It forms part of our Terms of Service, Refund Policy, and Privacy Policy.

1. Overview – pay‑as‑you‑go only

Qore Chat operates exclusively on a pay‑as‑you‑go credit model. You purchase Credits in advance; each request or task consumes a predefined number of Credits. There are no subscriptions, recurring fees, or auto‑renewals. Use of the Service requires a positive Credit balance.

2. Accepted payment methods

We currently accept:

• Visa and Mastercard credit and debit cards. All card transactions are processed using 3‑D Secure (3DS) authentication where supported, ensuring compliance with PSD2/SCA requirements.
• All payments are processed through independent, PCI‑DSS–compliant payment processors. Qore does not store full card numbers or security codes.

3. Purchasing Credits

• Immediate charge. Your chosen payment method is charged the displayed total when you confirm the purchase.
• Availability. Credits are added to your Account once the payment processor confirms success. Most transactions complete within seconds, but bank transfers can take 1–2 business days.
• Non‑expiry. Paid Credits do not expire, unless a specific promotion or discount states otherwise. You may hold unused Credits indefinitely.
• Usage. Each API call or chat interaction deducts Credits automatically according to the current pricing schedule published at clickqore.com/#pricing
• Minimum purchase. We may set minimum/maximum purchase amounts for fraud prevention or regulatory reasons.

4. Price updates

• Exchange rates & fees. If you pay from an account denominated in another currency, your bank or card issuer sets the exchange rate and may charge conversion fees.
• Price updates. We may update unit Credit pricing prospectively. Updated rates apply only to purchases made after the change; previously purchased Credits keep their face value.

5. Strong Customer Authentication (PSD2/SCA)

Where required (e.g., EEA/UK), payments are subject to Strong Customer Authentication under PSD2. You may be prompted for two‑factor verification (e.g., 3‑D Secure, OTPs, biometrics). Failure to complete SCA may cause the transaction to fail.

6. Chargebacks & payment disputes

• Contact Qore first. If you believe a charge is incorrect, email support@clickqore.com within 30 days of the transaction.
• Initiating a chargeback without first attempting resolution may result in immediate Account suspension and forfeiture of Credits.
• Qore reserves the right to contest unfounded chargebacks with log evidence and transaction records.

7. Fraud prevention & verification

We monitor transactions for signs of fraud. We may temporarily hold, cancel, or request additional verification (e.g., government‑issued ID, proof of address) to protect you and our platform. Failure to provide requested verification within 7 days may lead to order cancellation and Account suspension.

9. Refunds

All sales are final in accordance with our Refund Policy. Qore may, at its sole discretion, issue Credit adjustments or partial reversals for demonstrable billing errors (e.g., duplicate charges) but does not provide cash refunds except as required by law.

10. Changes to this Policy

We may update this Policy to reflect changes in payment regulations, processor availability, or business practices. A revised Policy with a new Effective date will be posted at clickqore.com/payment-policy. Material changes will be communicated through the Service or via email.

11. Contact

For questions regarding payments or disputes:
Email: support@clickqore.com