Payment & Account Balance Policy

Status: ACTIVE - PUBLISH | Effective date: 09.10.2026

1. Available payment methods

EPINUSD accepts only the payment methods actually displayed at checkout or in the balance-funding interface. Cryptocurrency is currently supported through a third-party provider. EPINUSD may later add cards, bank transfers or other payment methods without implying that such methods are available before they appear in the live interface.

2. Third-party payment providers

Payments may be handled by independent providers. For cryptocurrency transactions, EPINUSD currently uses Cryptomus as a payment service provider. The provider may determine supported assets, networks, confirmation requirements, payment windows, fees and compliance controls.

Payment providers may perform fraud prevention, sanctions screening, AML/CTF checks, blockchain analytics, identity verification or other controls under their own policies. EPINUSD does not claim that those provider-side checks are EPINUSD's own KYC program.

3. Cryptocurrency payment instructions

Customers must use the exact asset, network, address, amount and payment window shown by the payment provider. Sending an unsupported token, using the wrong blockchain network, sending to an expired address, underpaying, overpaying or otherwise departing from the provider's instructions may cause delay or permanent loss.

EPINUSD cannot guarantee recovery of funds that the payment provider or blockchain cannot technically recover.

4. Confirmations and payment status

A blockchain broadcast is not necessarily a completed EPINUSD payment. The transaction must receive the confirmations and successful status required by the payment provider. Orders may remain pending until payment is confirmed.

5. Rates and price locks

Cryptocurrency quotes may be time-limited. If a quote expires, the customer may need to obtain a new quote. Exchange rates and provider calculations may change between quotes.

6. Fees

A transaction may involve blockchain network fees, payment-provider fees, conversion costs or EPINUSD processing/service fees where displayed. Fees may vary by asset, network, payment method, provider cost and transaction conditions.

7. EPINUSD is not a crypto service

EPINUSD does not offer cryptocurrency trading, exchange, brokerage, investment management, custody, yield, staking, crypto deposits for withdrawal, or person-to-person cryptocurrency transfers. Cryptocurrency accepted through checkout or balance funding is solely a payment mechanism for purchasing eligible EPINUSD products/services.

8. EPINUSD Balance

EPINUSD Balance is a closed-loop purchase balance. It can be used only for eligible purchases on EPINUSD. It cannot ordinarily be withdrawn, transferred to another user, converted into cryptocurrency, or exchanged by the user into another fiat currency.

A displayed balance may be denominated in USD for purchase accounting. It does not represent custody of an equivalent amount of cryptocurrency and does not entitle the user to cryptocurrency appreciation.

9. Balance funding and product prices

Adding funds does not reserve a product or lock a future product price. Product prices can change with live exchange rates, distributor costs or other commercial factors. If the balance becomes insufficient, the customer must fund the difference before completing the purchase.

10. Future cards and bank payments

If card or bank methods are introduced, they may be processed by third-party financial institutions and may require authentication, fraud checks or identity/payment verification. EPINUSD will update its privacy disclosures and operational procedures if it begins collecting new categories of personal data for those methods.

11. Payment disputes and unauthorized transactions

Customers should contact [email protected] promptly about suspected unauthorized account activity or a payment problem. A payment dispute does not automatically invalidate a Digital Product that was correctly delivered, and fraudulent or abusive disputes may result in account restrictions where lawful.

12. Refunds

Approved refunds are governed by the Refund & Cancellation Policy. The exact route may depend on the payment provider, network, asset, original source, technical feasibility and applicable law.