Payment Policy

Last updated: October 2025

Waunder accepts multiple payment methods to provide users with flexible options for travel bookings. This policy outlines the terms, conditions, and procedures for all payment transactions on our platform, including traditional payment methods through Stripe and cryptocurrency payments.

1. Overview 2. Accepted Payment Methods 3. Payment Processing 4. Fees and Pricing 5. Payment Security 6. Verification Requirements 7. Refund and Dispute Policies 8. Compliance and Regulatory Requirements 9. International Payment Considerations 10. Business and Enterprise Payments 11. Payment Disputes and Resolution 12. Technology and Innovation 13. Privacy and Data Protection 14. Support and Customer Service 15. Terms Updates and Changes

1Overview

2Accepted Payment Methods

2.1 Traditional Payment Methods

Credit and Debit Cards: Visa, Mastercard, American Express, Discover, Diners Club, JCB, and other major networks (both domestic and international cards accepted)
Digital Wallets: Apple Pay, Google Pay, Samsung Pay, Regional digital wallets (varies by location), Secure tokenized payment processing
Bank Payments: ACH payments (US), SEPA Direct Debit (Europe), Bank transfers and wire payments, Local bank payment methods by region
Buy Now, Pay Later: Klarna, Afterpay, Affirm (where available) - Terms subject to third-party provider approval

2.2 Cryptocurrency Payments

Bitcoin Network: Bitcoin (BTC), Bitcoin Cash (BCH), Bitcoin SV (BSV)
Ethereum Ecosystem: Ethereum (ETH), Ethereum Classic (ETC)
Major Altcoins: Cardano (ADA), Solana (SOL), Polkadot (DOT), Avalanche (AVAX), Chainlink (LINK), Litecoin (LTC)
Stablecoins: USD Coin (USDC), Tether (USDT), Dai (DAI), Binance USD (BUSD), TrueUSD (TUSD)
Layer 2 and Scaling Solutions: Polygon (MATIC), Arbitrum (ARB), Optimism (OP), Lightning Network (for Bitcoin)
Exchange and DeFi Tokens: Binance Coin (BNB), Cronos (CRO), Uniswap (UNI), Aave (AAVE), Compound (COMP), Maker (MKR)
Additional Supported Assets: Dogecoin (DOGE), Shiba Inu (SHIB), Cosmos (ATOM), Algorand (ALGO), Tezos (XTZ), Filecoin (FIL), NEAR Protocol (NEAR)

2.3 Waunder Credits

Travel Credits from refunds or promotions
Loyalty program credits and rewards
Note: Payment method availability may vary by region and transaction type. Current options are displayed during checkout.

3Payment Processing

3.1 Traditional Payment Processing

Security Standards: PCI DSS Level 1 compliance, 3D Secure authentication for enhanced security, Advanced fraud detection and prevention, End-to-end encryption for all transactions
Payment Authorization: Real-time payment authorization and processing, Instant confirmation for successful payments, Automatic retry for temporary failures, Clear error messaging for failed transactions
International Payments: Multi-currency support with automatic conversion, Local payment methods in 40+ countries, Competitive foreign exchange rates, Transparent fee disclosure

3.2 Cryptocurrency Payment Processing

Third-Party Integration: All cryptocurrency payments processed through regulated payment processors, Advanced security protocols and professional custody, Real-time exchange rate determination with competitive spreads, Support for 200+ cryptocurrencies and trading pairs
Exchange Rate Determination: Rates sourced from major exchanges and liquidity providers, Transparent pricing with minimal spreads, Real-time rate updates every 15 seconds, Price protection during transaction processing window
Transaction Confirmation: Bitcoin: 1-3 confirmations based on amount, Ethereum: 12-35 confirmations for security, Fast networks: 1-5 confirmations for instant settlement, Real-time status updates and transaction tracking

4Fees and Pricing

4.1 Traditional Payment Fees

Standard Transactions: Credit/debit cards fees included in displayed prices, International cards have no additional fees for users, Currency conversion at competitive rates with transparent disclosure, No charges for failed payment attempts
Premium Payment Methods: American Express standard processing with no additional fees, Corporate cards at same rates as personal cards, Buy Now, Pay Later with no additional fees to users

4.2 Cryptocurrency Payment Fees

Network Transaction Fees: Blockchain network fees are user responsibility, Variable fees based on network congestion, Fee estimation provided before transaction, Network fees are non-refundable
Payment Processing: Processing fees included in displayed prices, No additional markup for cryptocurrency payments, Competitive exchange rates with minimal spread, Transparent fee disclosure during checkout

4.3 Currency Conversion

Multi-Currency Support: Automatic conversion from user's local currency, Real-time exchange rates with transparent markup, No hidden fees or surprise charges, Option to pay in original currency where available

5Payment Security

5.1 Traditional Payment Security

Data Protection: No storage of payment credentials on our servers, Tokenized payment data for recurring transactions, Secure transmission with TLS encryption, Regular security audits and compliance monitoring
Fraud Prevention: Machine learning-based fraud detection, 3D Secure authentication for high-risk transactions, Velocity checking and pattern analysis, Real-time risk scoring and decision making

5.2 Cryptocurrency Security

Custody and Storage: Professional custody through licensed providers, Multi-signature wallet security, Cold storage for large holdings, Insurance coverage for custodial assets
Transaction Security: Address verification and validation, Transaction monitoring and analysis, AML/CTF compliance screening, Suspicious activity detection and reporting

5.3 User Security Responsibilities

General Security: Protect account credentials and payment information, Use secure networks for payment transactions, Report suspicious activity immediately, Keep devices and browsers updated
Cryptocurrency-Specific: Verify payment addresses before sending, Understand transaction irreversibility, Use secure wallets and protect private keys, Be aware of network fees and confirmation times

6Verification Requirements

6.1 Standard Verification

All Payment Methods: Email verification for account creation, Phone verification for enhanced security, Identity verification for large transactions
Progressive Limits: Tier 1: $500 monthly limit with basic verification, Tier 2: $2,500 monthly limit with ID verification, Tier 3: $10,000 monthly limit with enhanced verification, Tier 4: Unlimited amounts with comprehensive verification

6.2 Enhanced Verification for Cryptocurrency

AML/KYC Compliance: Identity document verification, Address confirmation requirements, Source of funds documentation for large amounts, Enhanced due diligence for high-risk transactions
Ongoing Monitoring: Transaction pattern analysis, Regular verification updates, Compliance with sanctions screening, Suspicious activity reporting

7Refund and Dispute Policies

7.1 Traditional Payment Refunds

Standard Refunds: Refunds processed to original payment method, Processing time: 3-10 business days depending on method, Full or partial refunds based on service terms, Automatic notification upon refund processing
Chargeback Protection: Comprehensive dispute management, Evidence collection and submission, Communication with cardholders and banks, Protection against fraudulent chargebacks

7.2 Cryptocurrency Refunds

Waunder Travel Credits (Recommended): Immediate issuance at original fiat value, No volatility risk for users, Can be used for any future purchases
Original Cryptocurrency: Refund in same cryptocurrency as payment, Subject to current exchange rates, May result in different amounts due to volatility
Alternative Payment Method: Bank transfer or card refund where possible, Subject to payment processor capabilities, May involve additional processing time

7.3 Failed Payment Handling

Automatic Retry: Intelligent retry logic for temporary failures, Multiple payment method options, Clear communication about failure reasons, No charges for failed payment attempts
Payment Recovery: Assistance with payment issues, Alternative payment method suggestions, Customer service support for complex situations, Booking hold during payment resolution

8Compliance and Regulatory Requirements

8.1 Financial Services Compliance

Payment Card Industry (PCI): PCI DSS Level 1 compliance maintained, Regular security assessments and audits, Secure data handling and transmission, Incident response and breach notification procedures
Anti-Money Laundering (AML): Customer identification and verification, Transaction monitoring and reporting, Sanctions screening and compliance, Record keeping and audit trails

8.2 Regional Compliance

United States: FinCEN registration and compliance, State money transmitter licenses where required, OFAC sanctions screening, Consumer protection law compliance
European Union: Payment Services Directive (PSD2) compliance, Strong Customer Authentication (SCA) implementation, GDPR data protection compliance, Anti-Money Laundering Directive compliance
Asia-Pacific: Local payment regulation compliance, Central bank guidelines and requirements, Consumer protection and dispute resolution, Cross-border payment regulations

8.3 Cryptocurrency Regulations

Virtual Asset Service Provider (VASP): Registration in applicable jurisdictions, Customer due diligence requirements, Transaction reporting and monitoring, Travel rule compliance for large transactions
Compliance Monitoring: Regular regulatory update monitoring, Policy adjustments for regulatory changes, Legal counsel consultation for complex issues, Proactive compliance program management

9International Payment Considerations

9.1 Multi-Currency Support

Supported Currencies: 40+ major global currencies, Real-time exchange rate conversion, Local currency display options, Transparent conversion fee disclosure
Regional Payment Methods: Local bank transfer options, Regional digital wallet integration, Country-specific payment preferences, Compliance with local payment regulations

9.2 Cross-Border Transactions

International Cards: Global acceptance of major card networks, Foreign transaction fee transparency, Multi-currency processing capabilities, International fraud protection
Cryptocurrency Benefits: Borderless payment capabilities, Reduced international transfer fees, Faster cross-border settlement, Currency conversion alternatives

10Business and Enterprise Payments

10.1 Corporate Accounts

Enhanced Features: Volume-based fee optimization, Dedicated account management, Custom payment terms and invoicing, Advanced reporting and analytics
Payment Options: Corporate credit cards and accounts, Bank transfers and wire payments, Cryptocurrency treasury solutions, Multi-user account management

10.2 API and Integration Support

Payment API Access: RESTful API for payment processing, Webhook notifications for payment status, Comprehensive documentation and support, Sandbox environment for testing
Custom Integration: White-label payment solutions, Custom checkout experiences, Enterprise security requirements, Compliance support and guidance

11Payment Disputes and Resolution

11.1 Dispute Process

Internal Resolution: Contact customer support with payment concerns, Provide transaction details and documentation, Investigation and response within 5 business days, Resolution through refund, credit, or explanation
External Disputes: Chargeback management for card payments, Cryptocurrency transaction investigation, Communication with payment processors, Legal compliance and documentation

11.2 Consumer Protection

Rights and Remedies: Clear terms and transparent pricing, Fair dispute resolution procedures, Compliance with consumer protection laws, Access to regulatory complaint mechanisms

12Technology and Innovation

12.1 Payment Technology Stack

Modern Infrastructure: Cloud-based payment processing, Real-time transaction monitoring, Advanced fraud detection algorithms, Scalable architecture for growth
User Experience: One-click payment options, Saved payment method management, Mobile-optimized checkout, Accessibility compliance

12.2 Future Payment Methods

Emerging Technologies: Central Bank Digital Currencies (CBDCs), New cryptocurrency networks, Alternative payment innovations, Blockchain technology advancement
Continuous Improvement: Regular payment method evaluation, User feedback integration, Technology upgrade implementation, Performance optimization

13Privacy and Data Protection

13.1 Payment Data Handling

Data Minimization: Collect only necessary payment information, Secure storage with encryption, Limited access to payment data, Regular data purging and cleanup
Third-Party Data Sharing: Payment processor integration only, Compliance and regulatory reporting, Fraud prevention data sharing, No marketing data sales

13.2 User Privacy Rights

Data Access and Control: Payment history access and export, Data correction and update rights, Payment preference management, Account closure and data deletion

14Support and Customer Service

14.1 Payment Support Services

24/7 Assistance: Payment issue resolution, Transaction status inquiries, Refund and dispute support, Technical payment problems
Self-Service Options: Payment history and receipts, Saved payment method management, Transaction status tracking, FAQ and help documentation

14.2 Specialized Support

Cryptocurrency Support: Blockchain transaction assistance, Wallet integration help, Network fee explanation, Security best practices guidance
Enterprise Support: Dedicated account managers, Custom integration assistance, Advanced reporting and analytics, Priority technical support

15Terms Updates and Changes

15.1 Policy Updates

New payment method additions
Regulatory requirement changes
Technology improvements and security enhancements
Fee structure and pricing updates

15.2 Communication of Changes

Email alerts for material changes
Platform announcements and notices
Updated effective dates clearly displayed
Advance notice for significant modifications

Contact Information

For questions about these terms or our services:

Email:[email protected]

By using Waunder, you acknowledge that you have read, understood, and agree to be bound by these terms.