Payment Policy

1. Introduction

This Payment Policy outlines how Vertex, operated by CODEGENIX LTD. (Company Number: 16808123), handles payments, credit purchases, and financial transactions on our platform. By using our services and making purchases, you agree to this Payment Policy.

CODEGENIX LTD. is registered at Academy House 11 Dunraven Place, Bridgend, Mid Glamorgan, United Kingdom, CF31 1JF. For payment-related inquiries, contact us at support@vertex.boutique.

2. Credit System

2.1 Credit Value and Conversion

Vertex operates on a credit-based payment system. The prices are the ones shown on our Pricing page:

• Base rate: 10 credits = $1.00 (US dollars). Prices in other currencies are converted from the US-dollar base rate at market exchange rates that we refresh once every 24 hours (if the rate source is unavailable, the last rates we received stay in use).
• Packages: 100, 500, 1,000 and 2,500 credits, with volume discounts of 0%, 3%, 8% and 15% respectively. The same discounts apply to a custom amount of the same size.
• Custom amounts: €1 to €20,000, or its equivalent in the currency you pick at the day's rate, with the upper limit rounded down to a round figure so it never exceeds €20,000. A custom amount buys as many credits as it covers at the package prices, and at least one credit. You pay in the currency you choose.
• The exact price in your currency is shown before you pay, and that is the amount charged.
• Credits are purchased in advance and stored in your digital wallet
• Credits never expire once purchased
• Credits are non-transferable between user accounts

2.2 Credit Usage

Credits are taken from your balance at the moment you hire a specialist for an engagement. The engagement starts immediately and appears under Missions in your account.

The credit cost of an engagement is always shown before you confirm it, and your balance and every debit are listed in your wallet history.

If the work is not delivered or is not as described, the remedies in our Refund Policy apply - write tosupport@vertex.boutique and we will resolve it.

3. Payment Methods

3.1 Accepted Cards

We accept the following payment methods for credit purchases:

• Visa (credit and debit cards)
• Mastercard (credit and debit cards)

3.2 Payment Processing

You enter your card details in our checkout form. Card details are sent over an encrypted connection to our server, which passes them straight to our payment processor; we never store your full card number or security code. Your bank may ask you to confirm the payment on its own 3-D Secure page.

4. No Subscriptions - One-Time Purchases Only

Vertex operates on a one-time purchase model only. This means:

• No recurring charges or automatic renewals
• No subscription fees or membership dues
• Each credit purchase is a separate, individual transaction
• You have full control over when and how much you spend
• No hidden fees or automatic billing cycles

Each time you wish to add credits to your wallet, you must explicitly initiate and confirm a new purchase. We will never charge your payment method without your express authorization.

5. Refund Policy Summary

Our refund policy is designed to be fair to both users and service providers:

• Unused credits: Refundable within 14 days of purchase, to the card you paid with
• Used credits: Credits spent on completed services are generally non-refundable
• Service disputes: Contact us within 7 days of service completion for review under our Satisfaction Guarantee

For complete details on our refund terms and eligibility criteria, please see our full Refund Policy.

6. Payment Security

6.1 Data Protection

We implement robust security measures to protect your payment information:

• All transactions are encrypted in transit (HTTPS)
• We never store your full card number or security code (CVV)
• 3D Secure (3DS) authentication is supported for enhanced cardholder verification

6.2 Fraud Prevention

We do not use an automated fraud-scoring system. Our team reviews payment and account records for signs of fraud, and the card issuer may ask you to confirm a payment with 3D Secure.

Suspicious transactions may be temporarily held for verification to protect both you and our platform.

7. Dispute Resolution

7.1 Internal Resolution

If you have a payment-related dispute:

• Contact our support team at support@vertex.boutique as your first step
• Provide your transaction reference number and details of the issue
• A person on our team reviews every payment enquiry and replies by email

7.2 Chargebacks

We encourage you to contact us before initiating a chargeback with your bank. Many issues can be resolved faster through direct communication. If you do initiate a chargeback:

• Your account may be suspended pending resolution
• We will provide evidence to your bank for legitimate transactions
• Fraudulent chargebacks may result in permanent account termination

8. Currency and Pricing

8.1 Supported Currencies

Vertex accepts payments in the following currencies: Euro (EUR), US Dollar (USD), Saudi Riyal (SAR), Moroccan Dirham (MAD), Canadian Dollar (CAD), Sri Lankan Rupee (LKR), Azerbaijani Manat (AZN), Kazakhstani Tenge (KZT), Chilean Peso (CLP), Turkish Lira (TRY), Japanese Yen (JPY), and Papua New Guinean Kina (PGK). Your card is charged in the currency you have selected, for the amount shown before you pay; that amount is converted from the US-dollar base rate at market exchange rates that we refresh once every 24 hours (if the rate source is unavailable, the last rates we received stay in use).

8.2 Display Currency

You can select your preferred display currency from the currency selector in the navigation bar. Your choice is saved in your browser (see our Cookie Policy) and the checkout charges the currency you chose. Your bank may apply additional currency conversion fees for cross-currency transactions.

8.3 Price Changes

We reserve the right to modify credit package prices. Any price changes will be communicated in advance and will not affect credits you have already purchased.

9. Policy Updates

We may update this Payment Policy from time to time to reflect changes in our practices or applicable regulations. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Your continued use of Vertex after changes constitutes acceptance of the updated policy.