Payment Policy
Effective Date: July 31, 2026
Last Updated: July 31, 2026
Applies To: All orders placed on this site
Legal Operator: Irie Lee LLC
This Payment Policy explains how payment works when you purchase a digital service manual from us. It explains the payment methods we accept, when your payment is charged, how payment information is protected, how declined or failed payments are handled, how currency and taxes are applied, and how payment disputes and chargebacks are addressed.
1. Accepted Payment Methods
We accept the payment methods displayed at checkout. Available payment options may vary depending on your country, device, browser, and payment provider. Digital wallets such as Apple Pay and Google Pay may only appear when supported by your device, browser, and payment environment.
Available payment methods may include:
Visa
Mastercard
American Express
PayPal
Apple Pay
Google Pay
Discover
Diners Club
Elo
UnionPay
JCB
Debit and bank cards
All payments are processed through Shopify's PCI DSS-compliant payment infrastructure and supported payment gateways. We do not operate our own card-processing servers.
We do not currently offer cash on delivery, cheque payments, direct bank transfers, or buy-now-pay-later financing. If a payment method does not appear at checkout, that payment method is not currently available for your order.
2. How Payment Processing Works
Secure Checkout
All transactions are processed through Shopify's PCI DSS Level 1-certified payment infrastructure using an encrypted TLS/SSL connection. Your full card number, expiration date, and security code are transmitted directly to the applicable payment processor and are not stored on our servers.
When You Are Charged
Your selected payment method is authorized and charged in full when you place your order, immediately before your digital download link is generated.
There are no partial charges, deposits, delayed billing, or installment payments for our digital manuals.
Instant Digital Delivery
Because our products are delivered as digital downloads, your purchase is normally delivered by email and through your account download link within minutes after a successful payment.
No physical shipment, shipping waybill, or physical delivery address is required for a digital manual order.
3. Billing, Pricing & Currency
All prices on this site are displayed and charged in United States dollars (USD).
The order total shown during checkout, including the applicable manual price and any applicable tax, is the total amount charged to your selected payment method.
We do not add hidden service fees, processing surcharges, or subscription charges after checkout.
If your card, PayPal account, or bank account uses a currency other than USD, your card issuer, bank, or payment provider may convert the transaction using its own exchange rate. Your financial institution may also apply a foreign transaction fee or another applicable banking charge.
Any currency conversion and associated financial institution fees are determined by your card issuer, bank, or payment provider and are not imposed or collected by us.
Billing Information
Billing Currency: US Dollars (USD) only
When You Are Charged: Immediately at checkout
Recurring or Hidden Fees: None — one-time charge per order
Payment Processor: Shopify Payments and supported payment gateways
Card Data Stored by Us: We do not store complete card numbers
Sales Tax / VAT / GST: Calculated automatically where required by applicable law
4. Payment Security & Data Protection
Every checkout session uses an encrypted connection, and payment transactions are processed through payment infrastructure designed to protect payment information.
Orders may also pass through automated fraud-detection screening before payment approval and digital delivery.
If a payment processor or our support team identifies an order as potentially high-risk, we may temporarily hold the order for review, request additional verification, or decline the transaction. If additional action is required, we will contact you using the information associated with your order.
We do not have access to your complete card number through our own website systems.
Card information is transmitted directly to the applicable payment processor. We may retain limited payment-related information necessary for order records, customer support, accounting, and transaction management, such as the last four digits of a card, payment method type, and transaction status.
For additional information about how personal information and order data are handled, please review our Privacy Policy.
5. Fraud Monitoring & Payment Verification
Orders may be screened for signs of unauthorized or potentially fraudulent payment activity before digital delivery is released.
If an order requires additional review, we may request information necessary to verify the transaction. We may also delay delivery temporarily while the payment is reviewed.
If a transaction is declined or cannot be verified, the order may not be completed.
If you believe a charge from us was made in error, was unauthorized, or does not correspond with your purchase, please contact us first at contact@servicemanualexperts.com so we can investigate the matter directly.
Contacting us first can often allow a billing issue to be reviewed and resolved more efficiently than immediately beginning a bank or card-network dispute.
6. Declined or Failed Payments
If your payment method is declined, your order is not successfully placed and you are not charged by us for the completed order.
Common reasons for a declined payment may include:
- An incorrect card number
- An expired payment card
- Insufficient available funds
- Incorrect billing information
- A transaction being blocked by your bank or payment provider as a security precaution
- Payment verification requirements
- Restrictions imposed by your card issuer or payment provider
If your payment is declined, you may check your payment information and try again using the same payment method, or you may use another available payment method shown at checkout.
In some cases, your bank or payment provider may temporarily display an authorization hold even though the payment was not completed. Any such temporary hold is controlled by your financial institution and may be released according to its normal processing procedures.
7. Duplicate or Double Charges
If you believe you were charged more than once for the same order, please contact us as soon as possible.
When contacting us, provide your order number and, where available, information showing the duplicate transaction.
We will review the transaction information with the applicable payment processor. If a duplicate charge is confirmed, the confirmed duplicate amount will be refunded to the original payment method.
8. Chargebacks & Payment Disputes
We encourage customers to contact us before initiating a chargeback with their bank or card issuer. Many billing, payment, refund, or delivery questions can be reviewed and resolved directly.
If a chargeback or payment dispute is opened with your card issuer or bank, we may provide the applicable payment processor with relevant order and transaction records, including order confirmation, payment information, delivery timestamps, and customer support correspondence, as part of the standard dispute process.
Nothing in this Payment Policy is intended to remove or restrict any mandatory consumer or payment rights that apply to your transaction under applicable law.
9. Pricing, Taxes & Currency Conversion
All listed prices are displayed in US dollars (USD).
Where required by law, applicable sales tax, VAT, or GST may be calculated automatically during checkout based on the applicable billing location and added to the order total before you confirm payment.
The applicable amount will be shown during checkout before payment is completed.
Customers whose payment account or card is denominated in another currency may experience currency conversion by their own bank, card issuer, or payment provider.
Any foreign transaction fee, currency conversion fee, or exchange-rate adjustment imposed by your financial institution is outside our control and is not collected by us.
10. Payment Information & Security
We take reasonable measures to protect payment-related information during checkout and order processing.
The following practices apply:
- Encrypted Checkout: Checkout pages operate over an encrypted TLS/SSL connection.
- Payment Processor: Card information is transmitted directly to the applicable PCI DSS Level 1-certified payment processor.
- Complete Card Numbers: We do not store complete card numbers on our own servers.
- Limited Transaction Information: We may retain limited payment information, such as the last four digits of a card, payment method type, and transaction status, when necessary for order records and customer support.
- Privacy: Information handling is also governed by our Privacy Policy.
You can review our Privacy Policy for additional information about the handling of personal and order information.
11. Refunds
Approved refunds are issued to the original payment method used for the order.
Refund processing times depend on the applicable card issuer, bank, or payment provider. Refunds typically take five to ten business days after we submit the refund, although the actual time may vary.
For complete refund eligibility requirements, exclusions, and applicable timeframes, please review our Refund Policy.
12. Digital Delivery After Successful Payment
Once payment has been successfully completed, the applicable digital download is normally made available through email and the customer account download link within minutes.
Customers should ensure that the email address entered during checkout is accurate and accessible.
If you have completed payment but cannot locate your download information, please contact us at contact@servicemanualexperts.com so we can assist you.
Because the products covered by this policy are digital downloads, no physical shipment, shipping waybill, or physical delivery address is required.
13. Region-Specific Payment Information
United States
Card transactions are processed according to the rules applicable to the relevant payment processor and card network.
Billing disputes involving a US-issued card may also be subject to applicable card-issuer error-resolution procedures, including procedures under the Fair Credit Billing Act and, where applicable, the Electronic Fund Transfer Act.
United Kingdom
Payments from UK cards are processed in accordance with applicable payment requirements, including the Payment Services Regulations 2017 and applicable Strong Customer Authentication requirements.
Nothing in this policy is intended to limit any applicable statutory rights or card-issuer dispute procedures available to customers, including applicable rights under Section 75 or relevant chargeback procedures.
Australia
Payments are handled consistently with applicable requirements, including the ePayments Code and relevant protections under the Australian Consumer Law.
Nothing in this policy is intended to exclude, restrict, or modify consumer guarantees or other rights that cannot legally be excluded, restricted, or modified.
Canada
Card payments are processed in accordance with applicable payment network requirements and relevant Canadian consumer protection laws.
This policy operates alongside applicable provincial and federal consumer protection requirements and does not override any statutory rights available to Canadian consumers.
14. Payment Methods & Payment Processors
We accept payment methods displayed at checkout, which may include Visa, Mastercard, American Express, Discover, Diners Club, Elo, UnionPay, JCB, PayPal, Apple Pay, and Google Pay, subject to availability based on region, device, browser, payment provider, and other applicable conditions.
Payments are processed through Shopify Payments and supported payment gateways.
We do not process or store complete card numbers on our own servers.
If a particular payment method is not displayed during checkout, it is not currently available for the applicable order.
15. When Your Payment Is Captured
Your payment method is authorized and captured in full when your order is placed.
The amount charged corresponds to the total displayed at checkout, including the applicable product price and any applicable tax disclosed before payment confirmation.
We do not use delayed payment capture, deposits, or installment billing for digital manuals.
16. Temporary Authorization Holds
When you attempt a payment, your bank or payment provider may temporarily authorize an amount before the transaction is fully completed.
If the payment fails or is declined, your bank or payment provider may continue to display the authorization temporarily.
Such temporary holds are controlled by the relevant financial institution. Release times vary depending on the institution and payment method.
17. Changes to This Payment Policy
We may update this Payment Policy when our payment providers, product catalog, payment procedures, or applicable payment and consumer protection requirements change.
The Effective Date and Last Updated information at the beginning of this page will reflect the current version of this policy.
Material changes will be reflected on this page with an updated effective date.
18. Contact Us About Payment Questions
If you have a question about a payment, checkout error, declined transaction, duplicate charge, refund, or accepted payment method, please contact us directly.
Email: contact@servicemanualexperts.com
You may also use the live chat available on the site for payment and checkout questions.
We aim to respond to billing-related inquiries within one business day.
Support Hours: Monday–Sunday, 9:00 AM–5:00 PM EST.
Customers in the UK, Australia, and Canada may convert these hours to their local time when planning a chat or support request.