Payment & Billing Policy

This Payment & Billing Policy explains two separate kinds of payments on Vacto. Please keep them distinct:

A) Seller payments to Vacto — your subscription for using the platform. B) Customer payments to stores — what shoppers pay sellers for their orders. Vacto does not hold or process customer funds.

A1. Seller subscriptions

Using Vacto's seller features requires an active plan or trial. Plans are billed for a chosen period (for example monthly or yearly) at the price shown when you subscribe.

A2. Trials

Where a free trial is offered, it gives temporary access to seller features. When the trial ends, continued access requires payment. We may change or end trial offers at any time.

A3. Invoices and manual confirmation

Vacto issues invoices for your subscription. You can pay an invoice by transferring the amount using the manual methods we support — currently InstaPay and similar e-wallet transfers — and submitting your payment reference (and, where asked, a screenshot) for review.

Submitted payments start as pending review. A Vacto administrator confirms or rejects them. Online card payment (Paymob) is planned for the future and will be governed by its own terms when launched.

A4. Payment proof review

We may review the reference and proof you submit before confirming a payment. Submitting inaccurate, altered, or fraudulent payment information is a serious violation and may lead to suspension.

A5. Non-payment

If a subscription is unpaid past its due date, your store and dashboard access may enter a grace period and then be paused or suspended until payment is confirmed. See the Refund & Cancellation Policy for how cancellation affects access.

B1. Customer payments to stores

Customer payments are made directly to the seller. Vacto provides checkout tooling but does not collect, hold, or settle customer funds.

• Cash on delivery (COD): the customer pays the seller (or courier) when the order is delivered.
• Manual transfers (InstaPay, Vodafone Cash, and similar): the customer transfers to the payment details the seller displays at checkout, and the seller confirms receipt.

B2. Seller responsibility for customer payments

The seller is responsible for the payment details shown on their store, for confirming whether payment was received, and for any refunds to customers. Vacto is not a party to these payments.

Customers should keep their payment reference or proof and verify the payment details shown at checkout before transferring.

B3. Future online payments

If Vacto later offers integrated online payment processing, additional terms will apply and will be presented before you enable it.

Contact

Billing questions? Email vactoshops@gmail.com or open a billing support ticket from your dashboard.