Payment Policy

1. Company Information

This Payment Policy governs all payment transactions on the Catalyst platform, operated by:

CODEGENIX LTD.
Academy House 11 Dunraven Place, Bridgend, Mid Glamorgan, United Kingdom, CF31 1JF
Company Number: 16808123
Email: support@catalystai.expert

2. Credit System

2.1 Credit Value

Catalyst operates on a prepaid credit system. The credit price is fixed at:

Credits are the sole currency for purchasing services on the Catalyst platform. All service prices are displayed in credits.

The euro is the reference currency: every other currency the site offers is converted from the euro 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). The same rates set the price shown and the amount charged, so the amount in your currency moves at most once a day, while the credit price itself does not change at all.

2.2 Credit Characteristics

• No expiration: Credits remain valid indefinitely and do not expire
• Non-transferable: Credits cannot be transferred between accounts or to third parties
• No monetary value: Credits cannot be exchanged back for cash except as provided in our Refund Policy
• Single account: Credits are tied to your registered account only

2.3 Credit Packages

Credits are available for purchase in various packages. Current pricing is displayed on the platform at the time of purchase. We may offer promotional packages or volume discounts from time to time.

You can also top up a custom amount: €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. Any amount in that range buys at least one credit. You pay in the currency you choose.

3. Payment Model

3.1 One-Time Purchases Only

Catalyst operates exclusively on a one-time payment model. We do not offer:

• Subscription plans
• Recurring billing
• Automatic renewals
• Stored payment methods for automatic charges

Each credit purchase requires explicit authorization from you. You will never be charged automatically or without your direct action.

3.2 Pay-As-You-Go

You purchase credits when you need them and use them at your discretion. There are no minimum purchase requirements or usage commitments.

4. Accepted Payment Methods

4.1 Credit and Debit Cards

We accept the following payment cards:

• Visa - Credit and Debit cards
• Mastercard - Credit and Debit cards

4.2 Payment Processing

You enter your card details in our checkout form. They are sent over an encrypted connection to our payment processor, which takes the payment; your bank may ask you to confirm it on its own 3-D Secure page.

Catalyst does not store your card number or security code.

5. Specialist Payouts & Fund Handling

Catalyst is a two-sided marketplace: buyer payments (Section 4) fund purchases from independent specialists. This section explains what happens to those funds between a buyer's payment and a specialist's payout.

5.1 The Split

A specialist earns 80% of the credits a buyer spends on a task the specialist delivers; Catalyst keeps 20% as its platform fee.

5.2 Manual Settlement

A specialist's share becomes payable once the buyer has paid for the task and the specialist has delivered it. Payouts are currently checked and sent by hand by our operations team, not split automatically at the moment of purchase, so do not rely on a payout arriving instantly. Until a payout is sent, the buyer's payment stays with Catalyst.

For full detail on payment timing, the payment split, and what happens to an unpaid balance if a specialist relationship ends, see the Specialist Agreement.

6. Pricing and Currency

6.1 Supported Currencies

All payments are processed in currencies available on the website (EUR, USD, SAR, MAD, CAD, LKR, INR, AZN, KZT, CLP, JPY, TRY, AED, QAR, OMR, JOD, KWD, MYR, ZAR). Amounts are converted from the euro 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); your card issuer may apply its own fee if your card is denominated in a different currency again.

6.2 Price Transparency

All prices displayed include any applicable platform fees. The total amount you will be charged is clearly shown before you confirm your purchase. You may select your preferred display currency at any time using the currency selector in the navigation bar.

7. Payment Security

7.1 Security Standards

We use the following measures to protect your payment information:

• TLS Encryption: All data transmitted between your browser and our servers is encrypted (HTTPS)
• 3D Secure: We support 3D Secure (Verified by Visa, Mastercard SecureCode) for additional authentication
• No stored cards: We do not store your card number or security code, and we never charge a card without a new purchase from you

7.2 Fraud Prevention

Our team reviews payment records for signs of fraud. Suspicious transactions may be flagged for additional verification. We reserve the right to decline transactions that appear fraudulent.

8. Refunds

Our refund policy for credit purchases is designed to be fair and transparent. Key points include:

• Unused credits are refundable within 14 days of purchase, to the card you paid with
• Credits for a project are charged when you hire the specialist and are not held in escrow. If the delivered work is not acceptable, you can ask for a review within 7 days of completion; remedies are a revision, a new specialist, or a full or partial credit refund (Refund Policy, section 5)
• Refunds are processed to the original payment method

For complete details on our refund process, eligibility, and timelines, please see our Refund Policy.

9. Dispute Resolution

9.1 Payment Disputes

If you believe there has been an error with your payment or you do not recognize a charge, please contact us immediately at support@catalystai.expert with:

• Your account email address
• Transaction date and amount
• Description of the issue

We look into every payment inquiry and reply by email once we have checked the transaction.

9.2 Chargebacks

We encourage you to contact us before initiating a chargeback with your bank. Chargebacks incur processing fees and may result in account suspension pending investigation.

Fraudulent chargebacks (where services were legitimately used) may result in permanent account termination.

10. Failed Payments

If your payment fails, you will be notified immediately. Common reasons for payment failure include:

• Insufficient funds
• Card expired or invalid
• Bank declined the transaction
• 3D Secure authentication not completed
• Fraud prevention measures triggered

No credits will be issued for failed payments. You may retry with the same or a different payment method.

11. Policy Changes

We may update this Payment Policy from time to time. Material changes will be:

• Announced via email to registered users
• Posted on this page with an updated "Last updated" date
• Effective 30 days after notification for existing users