Payment Methods

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

1. Overview

BugSell accepts multiple secure payment methods to make your shopping experience convenient and safe. All payments are processed through our trusted payment partner, Stripe, ensuring the highest level of security and fraud protection.

2. Accepted Payment Methods

2.1 Credit and Debit Cards

Accepted Cards:

• Visa
• Mastercard
• American Express
• Discover
• JCB
• Diners Club

Requirements:

• Valid card with sufficient funds
• Card must support online transactions
• 3D Secure/Verified by Visa may be required

Processing:

• Instant authorization
• Charged immediately upon order placement
• Refunds return to original card

2.2 Digital Wallets

Apple Pay:

• Fast, secure checkout on iOS devices
• Uses Touch ID or Face ID
• No need to enter card details

Google Pay:

• Quick checkout on Android devices
• Secure tokenization
• Saved payment methods

PayPal:

• Pay with PayPal balance or linked accounts
• Buyer protection included
• No need to share card details with sellers

Other Wallets:

• Samsung Pay
• Amazon Pay (where available)
• Shop Pay

2.3 Bank Transfers (Select Regions)

ACH (US):

• Direct bank account debit
• Lower fees
• 3-5 business days processing

SEPA (Europe):

• Euro bank transfers
• Available in EU countries
• 1-3 business days processing

Requirements:

• Bank account verification
• May require additional authentication

2.4 Buy Now, Pay Later (BNPL)

Klarna:

• Pay in 4 interest-free installments
• Available for orders $35-$1,000
• Instant approval

Afterpay:

• Split payment into 4 installments
• No interest if paid on time
• Available in select countries

Affirm:

• Flexible payment plans
• 0-30% APR depending on creditworthiness
• Available for larger purchases

Requirements:

• Credit check may be required
• Must be 18+ years old
• Subject to approval

2.5 Cryptocurrency (Coming Soon)

Planned Support:

• Bitcoin (BTC)
• Ethereum (ETH)
• Other major cryptocurrencies

Benefits:

• Lower transaction fees
• Fast international payments
• Enhanced privacy

3. Payment Security

3.1 PCI DSS Compliance

Industry Standard:

• Payment Card Industry Data Security Standard
• Level 1 compliance (highest level)
• Regular security audits

What This Means:

• Your card data is encrypted
• Secure storage and transmission
• Protected against data breaches

3.2 Encryption and Tokenization

SSL/TLS Encryption:

• All data transmitted over HTTPS
• 256-bit encryption
• Secure connection indicators (padlock icon)

Tokenization:

• Card numbers replaced with tokens
• Actual card data never stored on our servers
• Tokens useless if intercepted

3.3 3D Secure Authentication

Additional Verification:

• Verified by Visa
• Mastercard SecureCode
• American Express SafeKey

Process:

• Redirected to bank's authentication page
• Enter password or one-time code
• Confirms you're the cardholder

Benefits:

• Reduces fraud
• Protects against unauthorized use
• May be required for high-value purchases

3.4 Fraud Detection

Automated Systems:

• AI-powered fraud detection
• Real-time transaction monitoring
• Risk scoring algorithms

Flagged Transactions:

• May require additional verification
• Contact from payment processor
• Temporary hold until verified

Your Protection:

• Unauthorized charges reversed
• Zero liability for fraud
• 24/7 fraud monitoring

4. Checkout Process

4.1 Step-by-Step

1. Add Items to Cart

• Browse and select products
• Choose variants (size, color, etc.)
• Add to shopping cart

2. Review Cart

• Verify items and quantities
• Apply promo codes or discounts
• Proceed to checkout

3. Enter Shipping Information

• Shipping address
• Contact information
• Delivery preferences

4. Select Shipping Method

• Standard, expedited, or express
• View costs and delivery estimates
• Choose preferred option

5. Enter Payment Information

• Select payment method
• Enter card details or select saved payment
• Billing address (if different from shipping)

6. Review Order

• Verify all details
• Check total amount
• Read and accept terms

7. Place Order

• Submit payment
• Receive order confirmation
• Email receipt sent

4.2 Saved Payment Methods

Convenience:

• Save cards for faster checkout
• Securely stored (tokenized)
• Manage in account settings

Security:

• Only last 4 digits displayed
• Full card number never shown
• Delete anytime

Auto-Fill:

• Billing address saved
• Expiration date updated automatically
• CVV required for each purchase

5. Payment Authorization and Charges

5.1 When You're Charged

Immediate Charge:

• Most orders charged immediately
• Funds authorized and captured
• Seller notified to ship

Pre-Authorization:

• Some sellers pre-authorize amount
• Actual charge when item ships
• Authorization expires if not captured (7-30 days)

Partial Payments:

• BNPL services charge in installments
• First payment at checkout
• Remaining payments scheduled

5.2 Order Total Breakdown

Your Total Includes:

• Item price(s)
• Shipping costs
• Sales tax or VAT
• Any applicable fees

Displayed Before Payment:

• Clear breakdown of all costs
• No hidden fees
• Final total shown before confirmation

5.3 Currency Conversion

Multi-Currency Support:

• Prices displayed in your local currency
• Conversion rates updated daily
• Charged in seller's currency or your currency (varies)

Conversion Fees:

• May apply for international transactions
• Charged by payment processor or bank
• Typically 1-3% of transaction

6. Payment Issues and Troubleshooting

6.1 Payment Declined

Common Reasons:

• Insufficient funds
• Incorrect card details
• Card expired
• Billing address mismatch
• Fraud prevention trigger
• Daily spending limit exceeded

What to Do:

1. Verify card details are correct
2. Check with your bank
3. Try different payment method
4. Contact our support team

6.2 Duplicate Charges

If Charged Twice:

1. Check if it's a pending authorization (not actual charge)
2. Wait 3-5 business days for pending charges to drop
3. Contact support if actual duplicate charge
4. We'll investigate and refund if confirmed

6.3 Payment Processing Errors

Error Messages:

• "Payment failed" - Try again or use different method
• "Card declined" - Contact your bank
• "3D Secure failed" - Complete authentication properly
• "Payment timeout" - Retry checkout

Support:

• Email: payments@bugsell.com
• Live chat in account
• Phone support available

7. Refunds and Cancellations

7.1 Refund Methods

Refund to Original Payment Method:

• Credit/debit cards: 5-10 business days
• PayPal: 3-5 business days
• Bank transfer: 5-7 business days
• Digital wallets: 3-5 business days

BNPL Refunds:

• Remaining installments cancelled
• Paid installments refunded
• May take 1-2 billing cycles

7.2 Cancellation Before Shipment

Process:

1. Go to "My Orders"
2. Click "Cancel Order"
3. Confirm cancellation
4. Refund processed automatically

Timing:

• Immediate if seller hasn't processed
• May require seller approval if processing started

8. International Payments

8.1 Cross-Border Transactions

Supported:

• Payments from most countries
• Multiple currencies accepted
• International cards welcome

Considerations:

• Currency conversion fees may apply
• Bank foreign transaction fees possible
• Exchange rates vary

8.2 Customs and Import Fees

Not Included in Payment:

• Import duties
• Customs fees
• VAT or GST (in some countries)

Buyer Responsibility:

• Pay customs fees upon delivery
• Check local import regulations
• Factor into total cost

9. Payment Policies

9.1 No Cash or Checks

We Do Not Accept:

• Cash payments
• Personal checks
• Money orders
• Wire transfers (except approved bank transfers)

Reason:

• Security and fraud prevention
• Buyer and seller protection
• Transaction tracking

9.2 Seller Payouts

How Sellers Get Paid:

• Payments held until order confirmed delivered
• Released to seller's account
• Seller requests payout via Stripe Connect
• Processed within 2-5 business days

Buyer Protection:

• Funds held in escrow
• Released only when transaction complete
• Refundable if issues arise

10. Payment Support

Questions or Issues

Email: payments@bugsell.com
Subject: "Payment Inquiry - Order #[Number]"

Help Center:
https://bugsell.com/help/payments

Live Chat:
Available in your account (Mon-Fri, 9am-9pm)

Phone:
[Phone Number] (24/7 for payment issues)

Payment Processor Support

Stripe:
https://support.stripe.com

PayPal:
https://www.paypal.com/support

Quick Reference

Accepted:

• All major credit/debit cards
• PayPal, Apple Pay, Google Pay
• Bank transfers (select regions)
• Buy Now, Pay Later services

Security:

• PCI DSS Level 1 compliant
• 256-bit SSL encryption
• 3D Secure authentication
• Fraud detection systems

Charges:

• Immediate for most orders
• Pre-authorization for some
• Installments for BNPL

Refunds:

• To original payment method
• 3-10 business days typically
• Automatic for cancellations

Support:

• payments@bugsell.com
• Live chat in account
• 24/7 phone for urgent issues

Your payment information is secure and protected. We never store complete card numbers and use industry-leading security measures.

Last Updated: January 1, 2026
Effective Date: January 1, 2026