Payment Terms
1. Payment Methods
- ACH Debit — Preferred method. No additional fees. Processing time: 3–5 business days.
- Credit / Business Credit Card — Accepted with a disclosed 3% processing fee added at checkout.
- Wire Transfer / Bank Check — Available upon request for large engagements.
- Invoice — Available for approved business clients. Net 15 or Net 30 terms by agreement.
2. Payment Schedule
Payment schedules are defined in each project proposal. Common structures include:
- Deposit-based: 30–50% upfront, remainder on delivery or milestones.
- Milestone-based: Payments tied to defined project milestones.
- Monthly retainer: Billed on the 1st of each month.
- Outstaffing: Billed weekly or monthly per agreement.
3. When Work Starts
Work begins only after the required deposit or first payment clears. For ACH payments, a 3–5 business day clearing period applies before work is activated.
4. Credit Card Authorization
Card payments over $2,000 require an approved invoice and client authorization. By completing a card payment, the client authorizes the charge and confirms they are authorized to use the card for business purposes. IP addresses, timestamps, and authorization records are stored for chargeback protection.
5. Late Payments
Invoices not paid by the due date may incur a 1.5% monthly late fee. Work may be paused on active projects if payments are 7+ days overdue. We will notify you before suspending work.
6. Receipts and Invoices
A receipt is automatically emailed after each payment. Invoices are sent via the client portal and email. Invoices include all required fields: invoice number, client name, billing address, service description, amount, due date, and Blackcircuit Technologies business details.
7. Refunds
See our Refund Policy for full details on refund eligibility.
8. Contact
Payment questions: [email protected]