This policy explains our payment processing, pricing, and financial terms.

1. Accepted Payment Methods

• Credit Cards (Visa, Mastercard, American Express, Discover)
• Debit Cards (with credit card logos)
• Digital Wallets (Google Pay, Apple Pay)
• Bank Transfers (for venue owners receiving payouts)

2. Payment Processing

Security

• All payments processed through secure, PCI DSS compliant processors
• Industry-standard SSL/TLS encryption
• We never store complete credit card numbers
• 3D Secure authentication for added security

When Payment is Charged

• Instant Booking: Charged immediately upon confirmation
• Request to Book: Charged after venue owner accepts
• Pre-authorization hold placed until booking confirmed
• Payment captured when booking starts or 24 hours before, whichever is first

3. Pricing & Fees

For Users:

For Venue Owners:

4. Currency & Conversions

• Prices displayed in local currency based on your location
• International transactions may include currency conversion fees
• Exchange rates determined at time of booking
• Your bank may charge additional foreign transaction fees

5. Refunds

Refund Timeline:

• Refunds initiated within 24 hours of cancellation approval
• Processing time: 5-7 business days
• Bank processing: Additional 3-5 days
• Refunded to original payment method

Refund Amounts:

• Based on cancellation policy timeframe
• Service fees may or may not be refundable (depends on timing)
• Taxes fully refunded
• See Cancellation Policy for details

6. Payouts to Venue Owners

Payout Schedule:

• Processed 3-5 business days after booking completion
• Minimum payout threshold: $50
• Automatic transfers to registered bank account
• Monthly statements provided

Payout Methods:

• Direct bank transfer (ACH/SEPA)
• Wire transfer (for international owners)
• PayPal (selected regions)

Withholdings:

• Platform commission deducted automatically
• Tax withholding if required by law
• Chargeback reserves (if applicable)
• Detailed breakdown in payout report

7. Failed Payments

If Payment Fails:

• You'll be notified immediately via email
• Booking placed on hold for 24 hours
• Can update payment method and retry
• Booking canceled if payment not received within 24 hours
• May need to rebook if canceled

Common Reasons for Failure:

• Insufficient funds
• Expired card
• Incorrect card details
• Bank security blocks
• International transaction restrictions

8. Chargebacks & Disputes

Chargebacks:

• Important: Contact us before filing a chargeback
• Most issues can be resolved quickly through support
• Chargebacks may result in account suspension
• Fees may apply for invalid chargeback claims

Payment Disputes:

• Submit dispute through support within 48 hours
• Provide booking details and issue description
• We investigate and mediate
• Resolution typically within 5-7 business days

9. Pricing Changes

• Venue owners can change pricing anytime
• Changes don't affect existing bookings
• Confirmed booking price is locked in
• Dynamic pricing may apply during peak times
• All prices shown include mandatory fees

10. Taxes

For Users:

• Sales tax, VAT, GST calculated at checkout
• Based on venue location and applicable laws
• Clearly itemized in booking summary
• Included in total amount charged

For Venue Owners:

• You're responsible for reporting income taxes
• Platform provides annual tax documents (1099, etc.)
• May need to provide tax ID or VAT number
• Consult tax professional for obligations

11. Promotional Credits & Gift Cards

Credits:

• Applied automatically at checkout
• Cannot be combined with some promotions
• Non-transferable and no cash value
• Expiration dates may apply
• Forfeited if account deleted

Promo Codes:

• Enter at checkout before payment
• Terms and exclusions may apply
• One promo code per booking
• Cannot be applied retroactively

12. Receipts & Invoices

• Sent via email after each transaction
• Available in account history anytime
• Include all charges and taxes
• Downloadable as PDF
• Can request detailed invoices from support

13. Payment Security Tips

• Never share your full card details via email or phone
• Only enter payment info on our secure platform
• Check for HTTPS and lock icon in browser
• Use strong passwords and enable 2FA
• Monitor your statements for unauthorized charges
• Report suspicious activity immediately

14. Contact for Payment Issues

For payment-related questions or problems:

• Email: payments@sporthub.com
• Live chat support (9 AM - 9 PM daily)
• Include booking ID and transaction details