Payment Methods & Security

1. Payment Processor

All payments are securely processed through Stripe, a PCI DSS Level 1 certified payment processor trusted by millions of businesses worldwide.

2. Accepted Payment Methods

Credit & Debit Cards

Digital Wallets

Available payment methods depend on your location and may include:

• Apple Pay
• Google Pay
• Link (Stripe)

Bank Transfers & Local Methods

Depending on your country, additional payment methods may be available through Stripe, including:

• SEPA Direct Debit (EU)
• iDEAL (Netherlands)
• Bancontact (Belgium)
• Giropay (Germany)
• Przelewy24 (Poland)
• EPS (Austria)

Note: Payment method availability is determined by your location, currency, and Stripe's regional support.

3. Currencies

We accept payments in multiple currencies. Available currencies and exchange rates are provided by Stripe based on your location.

Primary Currencies

• GBP - British Pound (default)
• EUR - Euro
• USD - US Dollar

Currency Conversion

• Prices displayed at checkout in your selected currency
• Exchange rates determined by Stripe at time of transaction
• No additional currency conversion fees from Dapita
• Your bank may charge foreign transaction fees (check with your card issuer)

4. Pricing & Taxes

Price Display

All prices shown include applicable taxes. What you see at checkout is what you pay - no hidden fees.

Value Added Tax (VAT)

• UK customers: Prices include 20% VAT where applicable
• EU customers: VAT rate depends on your country (reverse charge may apply for business customers with valid VAT number)
• Non-EU customers: No VAT charged (prices exclude VAT)

Digital Services (eSIM)

eSIM purchases are classified as electronically supplied services:

• UK VAT applies to UK customers (20%)
• EU VAT applies to EU customers (rate varies by country)
• No VAT for customers outside UK/EU

Business Customers

If you're a VAT-registered business in the EU (outside UK):

• Provide your valid VAT number during checkout
• Reverse charge mechanism applies (you account for VAT in your country)
• Invoice issued without VAT charge

5. Payment Processing

When is Payment Charged?

• Digital products (eSIM): Charged immediately upon order completion
• Physical products: Charged when order is confirmed (before shipping)

Payment Authorization

When you place an order:

1. Payment method is authorized (funds reserved)
2. Order is processed and confirmed
3. Payment is captured (funds transferred to us)
4. Receipt emailed to you automatically

Failed Payments

If your payment fails:

• You'll be notified immediately at checkout
• Common reasons: insufficient funds, incorrect card details, bank decline, 3D Secure failure
• Try a different payment method or contact your bank
• Order is not created until payment succeeds

6. Invoices & Receipts

Automatic Receipt

A payment receipt is automatically emailed to you after successful payment, containing:

• Order number and date
• Items purchased
• Amount paid (including taxes)
• Payment method used (last 4 digits)

VAT Invoices

To request a full VAT invoice:

• During checkout: Provide complete billing details and VAT number (if applicable)
• After purchase: Email support@dapita.travel with order number and billing details
• Invoices issued within 2-3 business days

Required Information for Invoices

• Full legal company name (for businesses)
• Complete billing address
• VAT/Tax ID number (if applicable)
• Order number

7. Refunds & Disputes

Refund Policy

See our Refund & Return Policy for complete details on eligibility and process.

Refund Processing

• Approved refunds processed within 5-10 business days
• Refunded to original payment method via Stripe
• Bank posting may take additional 3-5 business days
• 100% refund for eligible returns (no processing fees)

Chargebacks & Disputes

If you have an issue with a charge:

• Contact us first: support@dapita.travel or +442045770719
• We aim to resolve all payment issues within 24-48 hours
• Chargebacks should be a last resort after attempting direct resolution
• False chargebacks may result in account suspension

8. Payment Security & Fraud Prevention

How We Protect You

• All connections secured with 256-bit SSL encryption (https://)
• Stripe's advanced fraud detection algorithms
• 3D Secure authentication (SCA) for card payments
• Real-time transaction monitoring
• No storage of full card numbers on our servers

What You Should Do

• Only make payments on our official website (dapita.travel)
• Never share payment details via email or phone
• Use strong passwords for your account
• Enable 2FA (two-factor authentication) if available
• Review your statements regularly

Suspected Fraud

If you notice unauthorized charges from Dapita:

• Contact us immediately: support@dapita.travel
• Contact your bank to freeze your card
• File a fraud report with your bank
• We will cooperate fully with fraud investigations

9. Compliance & Regulations

• PCI DSS Compliance: Level 1 certified via Stripe
• PSD2/SCA: Strong Customer Authentication for EU payments
• GDPR: Payment data handled per EU regulations
• UK Payment Services Regulations 2017: Full compliance

10. Contact & Support

For payment questions or issues:

• Email: support@dapita.travel
• Phone: +442045770719
• Response time: 24-48 business hours
• Business hours: Monday-Friday, 9:00 AM - 5:00 PM GMT

11. Policy Updates

This payment policy may be updated to reflect changes in payment methods, regulations, or operational requirements.

Last updated: | Version 1.0