Payment Policy

This Payment Policy explains how payments are processed on Ngine, a platform owned and operated by NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED.

Ngine provides technology that enables creators, businesses, and sellers to accept payments for eligible products and services through supported third-party payment providers.

By using payment-related features on Ngine, you agree to comply with this Payment Policy, our Terms of Service, and all applicable laws.

Platform Role

Ngine is a technology platform that provides commerce and payment infrastructure for creators, businesses, and online communities.

NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED does not operate as:

A bank
A financial institution
A money transmission business
A payment processor
A payment gateway
A merchant acquirer

Payment authorization, processing, settlement, and payouts are handled by supported third-party payment providers.

Supported Payment Providers

Payment services on Ngine may be provided through one or more supported third-party payment providers.

Available payment methods and providers may vary depending on:

Country or region
Currency
Seller eligibility
Payment provider availability
Regulatory requirements

Ngine may add, remove, or replace payment providers at any time.

Payment Authorization

By submitting a payment, you authorize the selected payment provider to:

Verify your payment information.
Authorize the transaction.
Process the payment.
Collect applicable fees.
Complete settlement where approved.

Transactions may be declined if authorization cannot be completed.

Accepted Payment Methods

Available payment methods depend on the payment provider and may include:

Credit Cards
Debit Cards
Digital Wallets
Bank Transfers
Alternative Payment Methods
Other payment methods supported by the selected provider

Available payment methods may differ by country.

Order Confirmation

A purchase is considered successful only after:

Payment has been successfully authorized.
Payment confirmation has been received.
The order has been accepted by the seller or platform where applicable.

Order confirmation does not guarantee product availability.

Payment Security

Ngine is committed to maintaining a secure payment environment.

Security measures may include:

HTTPS encryption
Secure payment sessions
Fraud monitoring
Risk assessment
Account protection
Suspicious activity detection

Sensitive payment information is processed directly by supported payment providers in accordance with their own security and compliance standards.

Fraud Prevention

To protect users and payment partners, Ngine may:

Review transactions.
Request identity verification.
Request additional documentation.
Delay or cancel suspicious transactions.
Restrict high-risk accounts.
Report fraudulent activity where required by law.

Transactions identified as fraudulent may be declined without prior notice.

Payment Failures

Payments may fail for various reasons, including:

Insufficient funds.
Incorrect payment information.
Bank authorization failure.
Payment provider restrictions.
Security verification failure.
Technical issues.
Regulatory requirements.

Users should contact their payment provider if additional information is required.

Chargebacks & Payment Disputes

Customers are encouraged to contact the seller or Ngine Support before initiating a chargeback.

If a payment dispute or chargeback is initiated:

The transaction may be investigated.
Supporting documentation may be requested.
Funds may be temporarily held where permitted.
Platform access may be restricted if fraudulent activity is identified.

Fraudulent or abusive chargebacks may result in permanent account suspension.

Taxes

Users are responsible for determining and paying any taxes applicable to their purchases, sales, or business activities.

Where required by law, sellers are responsible for collecting, reporting, and remitting applicable taxes.

Ngine does not provide tax or legal advice.

Currency

Available currencies depend on the supported payment provider and applicable regulations.

Currency conversion, exchange rates, and international transaction fees are determined by the payment provider or financial institution involved in the transaction.

Payment Provider Policies

All payment transactions are subject to the terms, policies, compliance requirements, and operating procedures of the selected payment provider.

Users are responsible for reviewing and complying with the applicable payment provider's policies before completing a transaction.

Account Restrictions

Ngine reserves the right to limit, suspend, or terminate payment-related features if:

Fraudulent activity is detected.
Platform policies are violated.
Payment provider requirements are not met.
Applicable laws require action.
Identity verification cannot be completed.
Security risks are identified.

Limitation of Responsibility

While Ngine works with trusted payment providers, NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED is not responsible for:

Payment provider outages.
Bank processing delays.
Currency exchange fluctuations.
Declined transactions.
Payment provider account suspensions.
Delayed settlements.
Third-party financial service interruptions.

Such matters remain the responsibility of the relevant payment provider or financial institution.

Policy Updates

This Payment Policy may be updated periodically to reflect changes in payment provider requirements, legal obligations, industry standards, or platform operations.

The latest version will always be available on our website.

Continued use of Ngine constitutes acceptance of any updated version of this Policy.

Contact Information

Company: NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED

Platform: Ngine

Website: https://myngine.com

Email: [email protected]

Business Address: H-269, Street 3, C Area, New Muzaffarabad Colony, Karachi, Pakistan