PAYMENT POLICY

At checkout you pay from your Skins.Deals wallet balance, by Visa or Mastercard card, or with both (the wallet covers part and the card the rest). You can also add money to your wallet by card first and spend it on items later. Card payments are processed by an authorised third-party payment provider; Skins.Deals does not store your full card number or CVV.

• Visa and Mastercard credit and debit cards
• Your Skins.Deals wallet balance, at checkout

You pay in euros or US dollars. Wallet top-ups are charged in US dollars when you pick USD and in euros when you pick EUR, at exactly the amount the wallet page shows. With any other display currency selected, top-ups are charged in euros: the wallet page shows the amount in your currency and the euro amount before you pay, converted at our published rate table. If your card is in another currency, your bank may apply its own conversion.

A single top-up can be from €1 to €20,000, or its equivalent in the currency you pick at the day's rate (the maximum rounded down to a round figure), and the wallet page shows it in your currency.

Item prices include our 10% service fee. There are no other buyer fees at checkout.

Your wallet balance is kept in US dollars and is spent on items. Paying a balance out to a card or bank account (a cash-out) is not available yet. Separately, if you are a consumer you can cancel a top-up within 14 days under your legal right of withdrawal; how that works is set out in our Refund Policy.

Card details travel over an encrypted (HTTPS) connection and are passed through our server to the payment processor to authorise the charge; we do not store them. Your bank may ask you to confirm a payment with 3-D Secure. With every card payment we send your IP address and browser user agent to the payment processor for fraud checks. During a 3-D Secure check, your bank's own page may also read device and browser details directly from your browser (such as browser type, language and screen size) to confirm that the payment is really yours; your bank decides what it collects. We keep the last 4 digits of the card and a transaction reference.

If a payment is declined, nothing is added to your wallet. If an order is cancelled before delivery, it is refunded in full: to your wallet if you paid from it, to your card if you paid by card. An order that could not be delivered (for example the Steam trade offer was declined, expired or could not be sent) is refunded to your card, including one paid from wallet balance you topped up by card. A top-up you cancel under your 14-day right of withdrawal is refunded to the original payment method. See our Refund Policy for the details.

If you think a charge is wrong, contact us first with the payment reference from your wallet history. The account may be suspended while we investigate a chargeback.

We do not provide the service to, accept payments from, or make payouts to anyone located in or resident in the following countries and territories: Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, China (including Hong Kong), Cuba, Democratic Republic of the Congo, Guatemala, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Moldova, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Tunisia, Türkiye, Ukraine, Venezuela, Crimea, Sevastopol, and the areas of the Donetsk, Luhansk, Zaporizhzhia and Kherson oblasts not controlled by the Government of Ukraine. We refuse a new sign-up from an IP address in any of them, and we do not accept cards with a billing address in any of them or payments from an IP address there.

We may update this document. The "Last updated" date at the top shows the current version. We announce a material change on this site, and by email if you gave us an address, at least 30 days before it takes effect. Orders and top-ups made before a change keep the terms that applied when you made them. For payment questions, email support@skins.deals.