Payment Methods & Failed Payments Policy

Effective Date: 2026

Last Updated: 2026

This Payment Methods & Failed Payments Policy explains how payment methods, saved cards, billing authorisations, payment failures, declined transactions, expired cards, payment retries, subscription interruptions, wallet top-ups, paid content purchases, creator payments, advertiser billing, and related payment issues may work on Playflick.com, operated by Playflick™ Media .ltd.

This policy should be read together with our Terms of Service, Payments & Billing Terms, Wallet & Credits Terms, Paid Content Terms, Subscriptions Terms, Refund Policy, Account Balance & Ledger Policy, Invoice, Receipt & Tax Document Policy, Creator Payout Policy, Advertising Policy, and Privacy Policy.

1. Who We Are

Operator: Playflick™ Media .ltd

Website: https://playflick.com

Business Address:
41 Norman Avenue
London
N22 5ES
United Kingdom

Billing Support Email: hello@playflick.com
Contact Page: https://playflick.com/contact-us

2. Purpose of This Policy

Playflick may support different payment methods and billing tools depending on country, account type, payment provider, device, product, and platform feature.

This policy explains:

What payment methods may be accepted
Why payments may fail or be declined
How payment retries may work
How failed payments may affect subscriptions or paid access
How users can report payment problems
How payment-method data may be handled

3. Accepted Payment Methods

Playflick may accept different payment methods where available.

Accepted payment methods may include:

Debit cards
Credit cards
Wallet balance
Gift cards where available
Promotional credits where applicable
Payment-provider accounts
Bank transfer or direct debit where available
Mobile app store payments where available
Other approved payment methods

Payment methods may vary by country, currency, product type, account type, payment provider, and device.

4. No Guaranteed Payment Method Availability

Playflick does not guarantee that every payment method will be available, accepted, or supported for every transaction.

Payment methods may be unavailable because of:

Country or region restrictions
Currency limitations
Payment-provider rules
Bank or card issuer rules
Fraud or risk checks
Product restrictions
Account restrictions
Technical issues
Legal, sanctions, or compliance requirements

5. Saved Payment Methods

Playflick or its payment providers may allow users to save payment methods for future purchases, subscriptions, renewals, advertising spend, wallet top-ups, or other eligible transactions.

Saved payment methods may be used for:

Subscription renewals
Paid content purchases
Membership renewals
Wallet top-ups
Advertising billing
Marketplace purchases where available
Other authorised recurring or future payments

Users are responsible for keeping saved payment methods accurate and up to date.

6. Payment Authorisation

By adding or using a payment method, you authorise Playflick and its payment providers to charge that payment method for eligible purchases, subscriptions, renewals, taxes, fees, adjustments, or other authorised charges.

Some transactions may require additional authentication, such as bank approval, card issuer checks, one-time codes, app approval, or other security steps.

7. Failed Payments

Payments may fail for many reasons.

Common reasons include:

Insufficient funds
Expired card
Incorrect card details
Incorrect billing address
Bank or card issuer decline
Payment authentication failure
Payment-provider outage
Currency or country restriction
Fraud or risk review
Account restriction
Technical error

8. Declined Cards

A card may be declined by the card issuer, bank, payment provider, fraud system, or platform risk controls.

Playflick may not always receive detailed information about why a card was declined.

Users may need to contact their card issuer or payment provider for more information about a declined card.

9. Expired or Updated Cards

Payments may fail if a card expires, is replaced, is cancelled, is reported lost or stolen, or is no longer authorised for online or recurring payments.

Users should update payment details before a subscription renewal, paid access renewal, advertiser billing cycle, or other scheduled charge is due.

10. Payment Retries

Playflick or its payment providers may retry failed payments where permitted.

Payment retries may apply to:

Subscriptions
Memberships
Paid content renewals where applicable
Advertising billing
Wallet top-ups
Marketplace or storefront transactions where available

Retry timing, frequency, and success may depend on payment-provider rules, account settings, payment method, product type, and applicable law.

11. Subscription Payment Failures

If a subscription or membership payment fails, Playflick may suspend, pause, downgrade, cancel, or limit access to the subscription or membership.

Failed subscription payments may affect access to:

Subscriber-only content
Membership benefits
Paid creator perks
Premium features
Recurring paid content
Badges or member labels where available

Access may be restored if payment is successfully completed and the account remains eligible.

12. Paid Content Payment Failures

If payment for paid content fails, access to that paid content may not be granted.

If a payment is later reversed, refunded, charged back, or found to be fraudulent, Playflick may remove access to the paid content and adjust related creator earnings or balances.

13. Wallet Top-Up Failures

If a wallet top-up fails, the wallet balance may not be credited.

If a wallet top-up is later reversed, refunded, charged back, or found to be fraudulent, Playflick may reduce the wallet balance, create a negative balance, restrict wallet use, or take other permitted action.

14. Advertising Payment Failures

If an advertiser payment fails, Playflick may pause, limit, reject, or stop advertising campaigns.

Failed advertiser payments may affect:

Campaign delivery
Ad approvals
Ad account balance
Invoices
Campaign reporting
Future advertiser eligibility

Playflick may require successful payment before campaign activity continues.

15. Payment Holds and Reviews

Playflick or its payment providers may place payments, wallet top-ups, purchases, subscriptions, creator earnings, payouts, or advertiser charges under review.

Reviews may happen because of:

Fraud risk
Unusual payment activity
Chargeback risk
Account compromise concerns
Payment-provider checks
Sanctions or restricted-country checks
Verification issues
Policy violations

16. Unauthorised Payments

If you believe a payment was unauthorised, contact Playflick and your payment provider promptly.

Useful information may include:

Your account email
The payment date
The amount and currency
The payment method used, without full card number
The transaction or receipt reference
A clear explanation of why you believe the payment was unauthorised

Do not send passwords, full payment card numbers, bank passwords, or login codes.

17. Chargebacks and Payment Disputes

If a user disputes a payment with a bank, card issuer, or payment provider, the transaction may become a chargeback or payment dispute.

Chargebacks may result in:

Access removal
Balance adjustments
Creator earnings reversals
Wallet balance reductions
Negative balances
Payment method restrictions
Account review or restriction

More information is available in our Account Balance & Ledger Policy.

18. Payment Method Restrictions

Playflick may restrict or refuse a payment method where necessary.

Reasons may include:

Suspected fraud
Repeated payment failures
Chargeback abuse
Unauthorised payment claims
Sanctions or legal restrictions
Payment-provider refusal
Unsupported country or currency
Account security concerns

19. Updating or Removing Payment Methods

Users may be able to update or remove saved payment methods through account settings, billing settings, subscription settings, advertiser settings, payment-provider portals, or support where available.

Removing a payment method may not cancel an active subscription, membership, advertising campaign, or unpaid balance unless the relevant feature also confirms cancellation.

20. Multiple Payment Methods

Playflick may allow users to add or use more than one payment method where available.

If a primary payment method fails, Playflick or its payment providers may attempt another authorised payment method where permitted and where the user has agreed to such use.

21. Payment Provider Terms

Payments may be processed by third-party payment providers, banks, card networks, app stores, wallet providers, or other financial service providers.

These providers may apply their own terms, fees, rules, authentication checks, dispute processes, privacy practices, and availability restrictions.

Playflick does not control bank fees, card issuer fees, foreign transaction fees, app store fees, or payment-provider charges unless Playflick clearly states otherwise.

22. Currency and Conversion

Payments may involve currency conversion.

Currency conversion may be affected by:

Exchange rates
Payment-provider rates
Bank fees
Card issuer fees
Country or region
Transaction date
Refund or chargeback date

The final amount charged or refunded may differ from displayed estimates because of currency conversion or provider fees.

23. Payment Method Security

Users should protect payment methods, bank accounts, card details, payment-provider accounts, wallet accounts, and account login details.

Users should not share:

Passwords
One-time login codes
Full card numbers in support messages
Card security codes
Bank passwords
Payment-provider login details
Private recovery codes

Playflick will not ask users to provide passwords or one-time login codes to complete billing support.

24. Children and Payment Methods

Users under 18 should not add payment methods, make purchases, subscribe, send tips, buy credits, or pay for content without permission from a parent or legal guardian.

Creators and users must not encourage children to use a parent or guardian’s payment method without permission.

25. Payment Records

Playflick may keep records of payment attempts, successful payments, failed payments, refunds, chargebacks, payment method tokens, billing history, invoices, receipts, fraud checks, and related support messages.

Payment records may be retained for billing, tax, accounting, fraud prevention, legal compliance, payment disputes, refunds, chargebacks, support, and platform integrity.

26. Reporting Payment Problems

If you experience payment problems, contact Playflick.

Contact:

Email: hello@playflick.com
Contact Page: https://playflick.com/contact-us

Please include:

Your account email
The payment date and time
The amount and currency
The product, subscription, wallet top-up, ad campaign, or service involved
The error message shown, if any
The transaction, receipt, invoice, or order reference if available
A clear explanation of the issue

Do not send passwords, full card numbers, bank passwords, or login codes.

27. Enforcement

Playflick may take action where payment methods, payment attempts, failed payments, or payment systems are misused.

Enforcement may include:

Refusing payments
Restricting payment methods
Restricting purchases or subscriptions
Restricting wallet use
Restricting advertising billing
Withholding or reversing balances
Applying payment holds
Restricting accounts
Suspending or terminating accounts
Preserving records for fraud, legal, payment, safety, or moderation reasons

28. Appeals

If your payment method, purchase, subscription, wallet feature, advertising billing, account, or payment feature was restricted and you believe Playflick made a mistake, you may request a review under our Appeals Policy where available.

Contact:

Email: hello@playflick.com

Please include:

Your account email
The payment method or payment feature involved
The transaction date, if relevant
The decision you are appealing
Why you believe the decision was incorrect
Any receipts, screenshots, bank records, or payment-provider records where helpful

29. Privacy and Data Retention

Playflick may process and retain payment method records, payment tokens, billing records, failed payment records, payment attempt logs, fraud signals, refunds, chargebacks, invoices, receipts, support messages, appeal records, and enforcement records.

These records may be retained for billing, tax, accounting, fraud prevention, payment disputes, legal compliance, support, audits, appeals, and platform integrity.

More information is available in our Privacy Policy, Data Retention Policy, and Evidence Preservation Policy.

30. Changes to This Policy

We may update this Payment Methods & Failed Payments Policy from time to time.

Changes may reflect new payment methods, payment-provider rules, subscription tools, advertiser billing tools, wallet features, fraud controls, legal requirements, or platform updates.

Your continued use of Playflick payment features after changes become effective means you agree to the updated policy.

31. Contact Us

For payment method questions, failed payment issues, declined card problems, subscription billing issues, unauthorised payment reports, appeal requests, or policy enquiries, contact:

Playflick™ Media .ltd
41 Norman Avenue
London
N22 5ES
United Kingdom

Billing Support Email: hello@playflick.com
Contact Page: https://playflick.com/contact-us
Website: https://playflick.com

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