PAYMENT POLICY

Card payments on PoshSkins are processed by an authorised third-party payment service provider that is PCI DSS compliant. PoshSkins does not hold customer funds other than the balance of your PoshSkins Wallet, described in Section 5.

Support: support@poshskins.com

Cards:

• Visa and Mastercard credit and debit cards, entered directly or through Apple Pay or Google Pay

Wallet balance:

• Your PoshSkins Wallet balance, topped up by card

• You pay at checkout from your wallet balance, by Visa or Mastercard card, or with both (the wallet covers part and the card the rest)
• We confirm the payment (card payments may ask for 3-D Secure authentication)
• We buy the item from a third-party seller, who sends it to the Steam trade URL on your account as a trade offer - delivery time depends on the seller who supplies the item; until it reaches your Steam inventory you can cancel at any time for a full refund
• You accept the Steam trade offer when it arrives

Processing times:

• Card payments and wallet top-ups: instant once authorised

Item prices are listed in US dollars (USD). You can choose to display prices in EUR, AED, TJS, KGS, KZT, TRY, CAD, CLP, ARS, BRL, ZAR or GBP, converted at our reference exchange rate from open.er-api.com, refreshed every hour.

You pay only in US dollars or euros: a wallet top-up is charged in euros when EUR is your selected currency and in US dollars otherwise, at exactly the amount shown on the Pay button; a card payment at checkout is charged in US dollars. Other currencies are for display only. If your card is in another currency, your bank or card issuer converts it and may charge its own fee.

What the wallet does:

• Top up by card
• Pay for purchases with your balance
• View your transaction history and open an invoice for any transaction (the download icon on its row), which you can save as a PDF

Top-up limits:

• Minimum top-up: €1, or its equivalent in the currency you pick at the day's rate
• Maximum per top-up: €20,000, or its equivalent in the currency you pick at the day's rate (rounded down to a round figure)

Your wallet balance is kept in US dollars. A top-up paid in euros is credited at its US-dollar value at our published reference exchange rate, rounded down to the cent, so the wallet is never credited more than you paid.

Cashing out a wallet balance to a card or bank account is not available. If you want an unused balance returned, contact support@poshskins.com within 14 days of the top-up and we will refund it to the card it came from, in the currency you paid in (see our Refund Policy).

• A flat 10% service fee is included in the displayed price
• There are no other fees at checkout - the price you see is the price you pay
• Wallet top-ups are free: you are charged exactly the amount you add

• Sign-in through Steam
• Encrypted (HTTPS) connections throughout the site
• 3-D Secure authentication for card payments

Refunds are handled as set out in our Refund Policy.

Refund timeline:

• To wallet balance: instant
• To a card: back to the card you paid with; your bank decides when it shows

If you have a problem with a payment, please contact support@poshskins.com first - we can usually resolve it faster than a chargeback. We may dispute chargebacks we believe to be fraudulent, and may suspend an account while a chargeback is investigated.

• We do not accept new sign-ups from Russia, Belarus, Iran, North Korea, Syria or Cuba (checked by the country of your IP address when you first sign in with Steam), and we do not accept cards with a billing address in those countries.
• Some payment methods may not be available in every region

If a payment fails or you are charged incorrectly, contact support@poshskins.com with the transaction details and we will investigate and correct it.

We may update this document. The "Last updated" date at the top shows the current version. We announce a material change on this site, and by email if you have given us an address, at least 30 days before it takes effect. Orders and top-ups made before a change keep the terms that applied when you made them.

For payment-related enquiries: support@poshskins.com