Payment policy

Methods accepted

• PayPal— through a PayPal Business account, including most debit and credit cards via PayPal's secure checkout, with server-side payment verification.
• Cryptocurrency — USDT (BEP20 or TRC20) and Litecoin. Crypto payments are confirmed manually once the transaction is received on-chain for the invoiced amount.
• Stripe / cards — planned for a future release. Until then, PayPal handles cards via guest checkout.

Pricing and currency

All prices are quoted in US dollars (USD) by default. The website also displays converted Saudi Riyal (SAR) amounts when that currency is selected, using a fixed peg of 1 USD ≈ 3.75 SAR. The invoice amount is what you pay; small rounding differences from the displayed amount are normal. Crypto payments are calculated at the prevailing rate at the time of invoice.

Server-side verification

PayPal payments are verified on our server using PayPal's official API before an order is confirmed; the browser never marks a payment as successful on its own. Cryptocurrency payments are confirmed manually: we check the transaction on-chain against the invoiced amount before work begins.

What we never store

• Card numbers (PAN), CVCs, expiration dates
• Crypto wallet private keys
• PayPal account credentials
• Bank account numbers beyond what is necessary to issue an invoice

What we do store

• Order ID, invoice ID, and payment status
• Transaction reference (e.g. PayPal transaction ID, on-chain hash)
• Amount, currency, and timestamp
• Customer email and project reference

Order statuses

• Pending — invoice issued, payment not yet confirmed
• Paid — payment received and verified; work begins
• Refunded — funds returned (full or partial)
• Cancelled — order cancelled; if it was already paid, a refund is issued

Disputes and chargebacks

Talk to us first. Most issues can be resolved by email faster than through a chargeback. See the Refund Policy for our refund stance. If you proceed with a chargeback, work is paused until the dispute is resolved.

Receipts

A receipt email is sent for every confirmed payment. If you do not receive one within 30 minutes of payment, check spam, then email hello@3loy.com.

Tax

Tax handling depends on the final business registration and your jurisdiction. Tax line items will appear on the invoice once business registration is finalized. Until then, prices on the website do not include tax.