Payment Policy

1. Accepted payment methods

The methods available to you may vary slightly depending on your country. Everything available for your order is shown at checkout before you pay. We do not accept cash, cheque or cash on delivery.

2. When payment is taken

Payment is taken in full at the time you place your order. We do not offer credit, instalments or deferred payment, and we cannot part-ship or part-charge an order.

Placing an order is an offer to buy. A binding contract is formed only when we send you your licence key, as set out in our Terms of Use. If we cannot accept your order, we refund your payment in full.

3. Paying by card

• Card payments are handled by our payment provider on their own secure, PCI-DSS compliant systems.
• We never see or store your full card number, expiry date or security code. They are sent directly to the provider and never reach our servers.
• Your bank may ask you to confirm the payment through 3-D Secure — Verified by Visa, Mastercard Identity Check or your banking app. This is an additional protection against card fraud.
• You confirm that the card is yours, or that you have the cardholder’s express permission to use it. Using a card without permission is fraud and will be reported.

4. Paying by PayPal

• You are redirected to PayPal to approve the payment, then returned to the Site to complete your order.
• PayPal’s own terms and privacy policy apply to that part of the transaction. We receive confirmation of payment and your contact details, but not your PayPal login or funding details.
• Refunds on PayPal orders are always returned to the same PayPal account.

5. Paying by bank transfer

• Choose Bank Transfer at checkout. Our bank details are displayed on the order confirmation screen and sent to you by email.
• Always quote your order number as the payment reference. Without it we cannot match your payment, and your order will be delayed.
• Your order is released once cleared funds reach our account. Domestic transfers usually clear within 1 working day and international transfers within 1–3 working days.
• You are responsible for any transfer fee, intermediary bank charge or currency conversion cost applied by your own bank. Please send the full invoice amount — if a charge is deducted in transit, the shortfall must be settled before we can release the order.
• If we cannot identify or match a payment within 14 days, we will contact you, and where necessary return the funds to the sending account.

6. Currency and conversion

• Prices are displayed and charged in the currency shown at checkout.
• If your card or bank account is held in a different currency, your provider converts the amount at their exchange rate and may add a foreign transaction fee. That rate and fee are set by them, not by us.
• Refunds are made in the original transaction currency. Because exchange rates move, the amount credited in your own currency may differ slightly from the amount originally debited. This difference is caused by your provider’s rates and is outside our control.

7. Prices, VAT and invoices

• Prices include VAT or equivalent sales tax where we are required to charge it, based on the country you enter at checkout. Where a sale falls outside the scope of UK VAT, no VAT is charged and your invoice shows this.
• Any payment surcharge is always shown separately at checkout before you pay. Nothing is added afterwards.
• An invoice from ESEO SERVICES LTD is issued for every order and is available in your account and by email. It shows the seller’s name, company number and registered address, the products bought, the amount paid and any tax charged.
• Business customers: enter your company name and valid VAT or tax registration number at checkout so your invoice is issued correctly. We cannot re-issue an invoice with different tax details once an order is complete, so please check before paying.

8. How we protect your payment

• The entire Site, including checkout, is served over encrypted HTTPS/TLS.
• Card data is processed only by our PCI-DSS compliant payment provider and never stored on our systems.
• 3-D Secure authentication is applied to card payments where your bank requires it.
• Every order passes through automated fraud screening, with human review before any order is finally declined.
• We use bot protection and a web application firewall to defend the checkout against automated abuse.

How we handle the personal data involved in a payment is explained in our Privacy & Cookies Policy.

9. Failed and declined payments

If a payment is declined, no money leaves your account and no contract is formed. Common causes are an incorrect card number or expiry date, insufficient funds, a billing address that does not match your bank’s records, an expired card, or your bank blocking an international or online transaction.

Please check your details and try again, or use a different method. If it still fails, contact your bank — only they can tell you why a payment was refused. You may also see a temporary authorisation hold on your statement for a failed attempt; this is not a charge and your bank releases it automatically, usually within a few working days.

10. Refunds

Refunds are always issued to the original payment method and in the original currency. We cannot refund to a different card, account or person.

Approved refunds are issued within 14 days of confirmation and typically appear within 3–10 working days depending on your provider. We charge no restocking, handling or administration fee on a valid refund.

When a refund is available and when it is not is set out in full in our Return & Refund Policy. In short: you may cancel free of charge at any time before your key is delivered, and after delivery refunds are limited to faulty, misdescribed or undelivered items reported within 7 days.

11. What appears on your statement

Your bank or card statement will show a descriptor identifying this store or our payment provider, rather than the name of the software you bought. If you do not recognise a charge, please check your order confirmation email first, then contact us before raising a dispute with your bank — we can identify the transaction quickly and resolve it far faster than a chargeback.

12. Contact us