These Payment Guidelines set out the terms and procedures governing all monetary transactions between you (the "Client") and FirmSanad ("we", "us", or "our"). By engaging our services or transacting on our platform (www.firmsanad.com), you agree to be bound by these terms in addition to our Terms & Conditions, Privacy Policy, and applicable legal frameworks in the Kingdom of Saudi Arabia (KSA).

1. Accepted Payment Methods

A. Credit and Debit Cards

FirmSanad supports all major internationally accepted card networks, including Visa, MasterCard, American Express, Mada (Saudi Arabia's national payment network), and bank-issued debit cards.

B. Multi-Currency Support

We accept payments in all major currencies, including Saudi Riyal (SAR), United States Dollar (USD), Euro (EUR), and British Pound (GBP). Conversion rates are determined by the card issuer at the time of transaction.

C. Secure Payment Gateway Integration

All transactions are processed securely via Moyasar, our PCI-DSS-compliant payment gateway, which adheres to tokenized card data handling, SAMA regulatory compliance, and 3D Secure and OTP authentication. Your card details are never stored on our servers.

2. Payment Timing & Requirements

A. Prepayment Requirement

FirmSanad operates on a full prepayment model. Clients are required to complete payment in full before the initiation of any document preparation or legal validation, and prior to initiating government or agency submissions.

B. Non-Negotiable Terms

No work will commence under a partial payment or a pending payment status
Requests without payment confirmation will be held in draft until cleared
Time-sensitive filings and appointments will not be reserved unless payment is confirmed

3. Invoicing and Tax Compliance

A. VAT-Compliant Tax Invoices

In compliance with ZATCA e-invoicing Phase 2 regulations, FirmSanad issues official tax invoices that include VAT registration number, invoice number and timestamp, QR code, description and cost of service, and VAT amount.

B. Automated Invoice Delivery

Upon successful payment, clients automatically receive a PDF tax invoice via email, a digital payment receipt, and a Transaction ID linked to our accounting system.

4. Refund and Cancellation Policy

A. Refund Eligibility Criteria

You are entitled to a full refund under the following conditions:

The service was not delivered due to platform error, technical fault, or verified inaction
The service was deemed undeliverable due to regulatory limitation or system rejection

B. No Administrative or Processing Fees

No administrative deduction, banking charge, or processing penalty will be applied to your refund.

C. No Expiry Limit for Refund Requests

You may request a refund at any point in time, provided the service remains unfulfilled. Refunds will be processed within 7–14 business days.

D. How to Initiate a Refund

Email solutions@firmsanad.com with the subject line "Refund Request – [Invoice Number]". Include full name, service ordered, date of payment, and reason for the request.

5. Failed Payments, Chargebacks, and Dispute Handling

A. Failed Transactions

Common causes include insufficient funds, expired card, issuer rejection due to risk filters, and timeout in gateway communication. Users will receive an automated error notification.

B. Chargeback Procedure

FirmSanad reserves the right to dispute the chargeback with supporting documentation.
Accounts may be temporarily suspended pending resolution.
Repeat chargebacks may result in a permanent account block.

C. Dispute Resolution Timeline

All billing disputes reported via solutions@firmsanad.com are reviewed and resolved within 7 business days.

6. Non-Payment and Service Restrictions

No project will be initiated unless paid in full
Unpaid requests are canceled after 7 calendar days
No late penalties are charged, but no partial services are delivered without full settlement

7. Data Protection and Payment Security

Compliant with Saudi PDPL and GDPR (for foreign clients)
All financial transactions encrypted via TLS/SSL
No sensitive card data stored on FirmSanad infrastructure
Moyasar processes all payment information through tokenization

8. Contact for Billing & Payments

Email: solutions@firmsanad.com
Phone: +966 (0)11 236 5881
Website: www.firmsanad.com