Payment Policy

1. OVERVIEW

This Payment Policy outlines the terms and conditions for all payment transactions processed by thequickkeys for the purchase of QuickBooks Desktop products including QuickBooks Pro, Premier, and Pro Plus. This policy applies to all customers and governs payment processing, billing, refunds, and related financial matters.

By making a purchase through our website or services, you agree to comply with this Payment Policy, which is incorporated into our Terms of Service.

2. ACCEPTED PAYMENT METHODS

2.1 Primary Payment Processors

thequickkeys uses the following secure payment processors:

Stripe Payment Processing:

• Major credit cards: Visa, MasterCard, American Express, Discover
• Debit cards with Visa or MasterCard logos
• Digital wallets: Apple Pay, Google Pay
• Bank transfers (ACH) for qualifying business accounts
• International cards (subject to verification)

PayPal Payment Processing:

• PayPal account payments
• PayPal Credit (where available)
• Pay in 4 installment options (subject to PayPal approval)
• Bank account payments through PayPal
• International PayPal payments

2.2 Alternative Payment Methods

For large orders or business accounts, we may also accept:

• Wire transfers (for orders over $5,000)
• Business checks (for approved accounts with net terms)
• Purchase orders (for established business customers)

2.3 Unsupported Payment Methods

We do not accept:

• Cash payments
• Money orders
• Cryptocurrency
• Third-party financing (except PayPal Credit)
• Prepaid gift cards
• International money transfers outside of our supported processors

3. PRICING AND CURRENCY

3.1 Currency

All prices are displayed and charged in United States Dollars (USD). International customers will be charged in USD, and their bank or card issuer will handle currency conversion.

3.2 Price Display

• Prices shown on our website are exclusive of taxes unless otherwise stated
• California sales tax will be calculated and added at checkout for applicable transactions
• Shipping charges (if applicable) are displayed before payment confirmation
• Any applicable fees are disclosed during the checkout process

3.3 Price Changes

• Prices are subject to change without notice
• Orders in progress are honored at the price quoted when the order was initiated
• Promotional pricing and discounts have specific terms and expiration dates

4. PAYMENT PROCESSING AND AUTHORIZATION

4.1 Payment Authorization

By providing payment information, you:

• Authorize us to charge the specified amount to your chosen payment method
• Confirm that you are authorized to use the payment method
• Warrant that all payment information provided is accurate and current
• Agree to notify us of any changes to your payment information

4.2 Payment Verification

We may verify payment information by:

• Requesting additional identification or documentation
• Placing temporary authorization holds on your payment method
• Contacting your financial institution for verification
• Using fraud detection services provided by Stripe and PayPal

4.3 Payment Processing Timeline

• Credit/Debit Cards: Processed immediately upon order confirmation
• PayPal Payments: Processed immediately through PayPal’s system
• ACH/Bank Transfers: 3-5 business days for processing
• Wire Transfers: Same business day if received before 2:00 PM PST

4.4 Failed Payments

If a payment fails or is declined:

• You will be notified immediately via email
• The order will be placed on hold pending successful payment
• We may attempt to reprocess the payment once
• Orders with failed payments may be cancelled after 48 hours

5. BILLING AND INVOICING

5.1 Billing Information

You must provide accurate billing information including:

• Full legal name (matching payment method)
• Complete billing address
• Valid email address for receipts and communications
• Phone number for verification if needed

5.2 Electronic Receipts

• All purchases will receive electronic receipts via email
• Receipts are sent to the email address provided during checkout
• Receipts include order details, payment method, and transaction ID
• Business customers may request detailed invoices for accounting purposes

5.3 Business Billing

For business purchases:

• Company name and tax ID may be required
• Purchase orders can be referenced for approved accounts
• Monthly statements available for accounts with credit terms
• Detailed invoices provided for expense reporting

6. SALES TAX AND FEES

6.1 California Sales Tax

As a California-based business, we are required to collect sales tax on:

• All sales to California customers
• Digital products delivered to California addresses
• Physical products shipped to California addresses
• Tax rates vary by city and county within California

6.2 Other State Taxes

We may collect sales tax for other states where we have nexus requirements. Tax collection is subject to:

• Current state and local tax regulations
• Economic nexus thresholds
• Product taxability rules
• Customer location and delivery address

6.3 Processing Fees

• Standard processing fees are included in advertised prices
• International transaction fees may apply for foreign cards
• PayPal transactions may include PayPal’s processing fees
• Wire transfer fees may apply to the sender

6.4 Tax Exemption

Tax-exempt organizations must:

• Provide valid tax exemption certificates
• Submit exemption documentation before order processing
• Ensure exemption covers the specific products being purchased
• Notify us of any changes to exemption status

7. PAYMENT SECURITY

7.1 Security Measures

We implement industry-standard security measures:

• PCI DSS Compliance: Both Stripe and PayPal are PCI DSS Level 1 certified
• Encryption: All payment data is encrypted in transit and at rest
• Tokenization: Card information is tokenized and not stored on our servers
• Fraud Detection: Advanced fraud screening for all transactions
• Secure Processing: Payments processed through secure, encrypted channels

7.2 Customer Security Responsibilities

To protect your payment information:

• Use secure internet connections when making purchases
• Keep your payment information confidential
• Monitor your account statements regularly
• Report suspicious activity immediately
• Use strong, unique passwords for your accounts

7.3 Data Storage

• We do not store complete credit card numbers
• Payment tokens are stored securely with our processors
• PayPal handles all PayPal account information
• Billing addresses are stored for order fulfillment and tax compliance

8. REFUNDS AND RETURNS

8.1 Refund Eligibility

Refunds are processed according to our Return and Refund Policy:

• Digital products: Generally non-refundable once delivered
• Physical products: 30-day return window from purchase date
• Unopened software: Full refund available within 30 days
• Custom orders: Non-refundable unless defective

8.2 Refund Processing

Stripe Refunds:

• Processed back to the original payment method
• Timeline: 5-10 business days for credit cards
• ACH refunds: 5-10 business days
• Refund confirmation sent via email

PayPal Refunds:

• Processed through PayPal’s system
• Timeline: Immediate to PayPal account, 3-5 days to bank accounts
• PayPal Credit refunds follow PayPal’s timeline
• Refund notifications sent through PayPal

8.3 Partial Refunds

Partial refunds may be issued for:

• Returned portions of multi-item orders
• Restocking fees (where applicable)
• Shipping cost adjustments
• Promotional discount corrections

8.4 Refund Limitations

We cannot refund:

• Payments made more than 180 days ago (processor limitations)
• Disputed transactions currently under investigation
• Payments to closed or invalid payment methods
• Transactions outside our refund policy terms

9. CHARGEBACKS AND DISPUTES

9.1 Chargeback Process

If you initiate a chargeback:

• We will respond with transaction documentation
• Your account may be suspended pending resolution
• Additional fees may apply if the chargeback is found invalid
• We reserve the right to dispute illegitimate chargebacks

9.2 Dispute Resolution

Before initiating chargebacks, please contact us:

• Email: contact@thequickkeys .com
• Phone: (707) 314-6045
• We aim to resolve payment disputes within 48 hours
• Many issues can be resolved without formal dispute processes

9.3 PayPal Disputes

For PayPal transactions:

• Disputes are handled through PayPal’s Resolution Center
• We will respond to all PayPal disputes promptly
• PayPal’s decision is generally final
• Additional documentation may be requested

10. SUBSCRIPTION AND RECURRING PAYMENTS

10.1 Subscription Services

For any subscription-based products or services:

• Clear disclosure of recurring payment terms
• Automatic renewal notifications sent in advance
• Easy cancellation options available
• Compliance with California’s automatic renewal law (SB-313)

10.2 Payment Method Updates

For recurring payments:

• Update payment methods through your account dashboard
• Failed recurring payments will trigger email notifications
• Services may be suspended for failed payments
• Account reactivation available upon successful payment

11. INTERNATIONAL PAYMENTS

11.1 International Cards

We accept international credit and debit cards:

• Cards must be from Stripe-supported countries
• Additional verification may be required
• Currency conversion handled by your card issuer
• International transaction fees may apply

11.2 PayPal International

International PayPal payments:

• Available in all PayPal-supported countries
• Currency conversion through PayPal’s rates
• International transfer fees may apply
• Compliance with local regulations required

11.3 Restrictions

We may restrict international payments:

• From countries with high fraud rates
• Where prohibited by U.S. export laws
• If adequate verification cannot be obtained
• Due to processor limitations

12. BUSINESS AND ENTERPRISE PAYMENTS

12.1 Net Terms

Approved business customers may qualify for:

• Net 15 or Net 30 payment terms
• Credit limits based on business qualifications
• Monthly invoicing and statements
• Purchase order processing

12.2 Volume Discounts

Large volume purchases may qualify for:

• Tiered pricing discounts
• Custom payment terms
• Dedicated account management
• Specialized billing arrangements

12.3 Business Verification

Business accounts require:

• Valid business license or registration
• Tax identification number
• Credit check and financial review
• Signed credit application

13. COMPLIANCE AND LEGAL

13.1 Anti-Money Laundering

We comply with anti-money laundering regulations:

• Transaction monitoring for suspicious activity
• Customer identification requirements
• Reporting of suspicious transactions
• Compliance with BSA and USA PATRIOT Act

13.2 California Regulations

Compliance with California payment regulations:

• California Unruh Civil Rights Act
• California Consumer Privacy Act (payment data protection)
• Gift card regulations (if applicable)
• Automatic renewal law compliance

13.3 Record Keeping

We maintain payment records:

• Transaction logs for audit purposes
• Tax reporting documentation
• Compliance with record retention requirements
• Secure storage of payment history

14. PAYMENT POLICY CHANGES

14.1 Policy Updates

This Payment Policy may be updated:

• To comply with new regulations
• To reflect changes in payment processors
• To improve customer experience
• To address security requirements

14.2 Notification of Changes

We will notify customers of material changes:

• Email notifications to registered customers
• Website announcements
• 30-day advance notice for material changes
• Updated effective date clearly displayed

15. CUSTOMER SUPPORT

15.1 Payment Support

For payment-related questions or issues:

• Email: contact@thequickkeys .com
• Phone: (707) 314-6045
• Hours: Monday-Friday, 9:00 AM to 6:00 PM PST
• Response Time: Within 24 hours for email inquiries

15.2 Emergency Payment Issues

For urgent payment problems:

• Failed payments preventing software access
• Suspected fraudulent transactions
• Payment disputes requiring immediate attention
• Security concerns with payment information

15.3 Technical Support

Payment system technical issues:

• Website checkout problems
• Payment processor errors
• Account access issues
• Integration problems with payment methods

16. LIABILITY AND DISCLAIMERS

16.1 Payment Processor Liability

• Stripe and PayPal are responsible for payment processing
• We are not liable for processor downtime or errors
• Direct disputes with processors may be required
• We will assist with processor-related issues when possible

16.2 Limitation of Liability

Our liability for payment-related issues is limited to:

• The amount of the specific transaction in question
• Direct damages only (no consequential damages)
• Resolution through refund or reprocessing
• Compliance with applicable consumer protection laws

17. CONTACT INFORMATION

For questions about this Payment Policy or payment-related issues:

thequickkeys Payment Department
1548 9th St
Santa Monica, CA 90401
Phone: (707) 314-6045
Email: contact@thequickkeys .com

Payment Processor Support:

• Stripe Issues: We can assist with Stripe-related questions
• PayPal Issues: Contact PayPal directly at paypal.com/help or use our assistance

Business Hours:
Monday through Friday: 9:00 AM to 6:00 PM PST