Orren.biz – Payment Terms

Effective Date: January 1, 2026
Contact: support@orren.biz

Accepted Payment Methods: Visa & Mastercard (3D Secure enabled)

1. Payment Methods

Orren.biz accepts payments exclusively through:

Visa
Mastercard

All transactions must be completed using a payment card issued in your name or with your authorized use.

We do not accept:

PayPal
Bank transfers
Cryptocurrencies
Debit cards or prepaid cards not supported by Visa/Mastercard networks

2. 3-D Secure (3DS) Authentication

For all qualifying transactions, Orren.biz requires 3-D Secure (3DS) authentication.
This is a mandatory security step used by Visa and Mastercard to verify the identity of the cardholder.

3DS may require you to:

Confirm via your bank’s mobile app
Enter a one-time password (OTP)
Use biometrics (e.g., fingerprint or facial recognition)
Complete an SMS or app-based verification

Transactions may be declined if 3DS authentication fails or is not completed.

3. PSD2 / SCA Compliance

Orren.biz operates in compliance with:

PSD2 (Revised Payment Services Directive)
SCA (Strong Customer Authentication) rules in applicable regions

This means:

Additional authentication is required for most online purchases
Low-value exemption may not apply, depending on your bank
Your bank may require identity confirmation even for saved cards

4. Payment Processing

Payments are securely processed through approved PCI-DSS–compliant payment service providers.

We do not store full card numbers or sensitive authentication data.

Payment processing includes:

Authorization
Fraud monitoring
Transaction confirmation
Funds holding (until order status is finalized)

5. Charges, Fees & Currency

All prices are listed in the currency shown at checkout.
Your bank may apply additional currency exchange fees depending on your region.
Orren.biz does not charge hidden fees.
Platform or service fees (where applicable) will be disclosed at checkout.

6. Payment Holds & Verification

Orren.biz may temporarily place a hold on funds if:

Fraud is suspected
Transaction risks are detected
Verification is required
A dispute or chargeback is filed

We reserve the right to manually review and validate high-risk transactions.

7. Failed Payments

A payment may fail due to:

3DS authentication failure
Insufficient funds
Card restrictions
Incorrect card details
Bank security rules

Users must provide a valid payment card to access paid services.

8. Refunds

Refunds (when approved) are issued only back to the original Visa or Mastercard used for payment.

Refund processing times:

Typically 3–10 business days, depending on the card issuer
Orren.biz cannot accelerate bank refund timelines

Refunds are subject to the platform’s Refund & Cancellation Policy.

9. Chargebacks

If a chargeback is filed:

Orren.biz may suspend or terminate your account
Ongoing services may be paused
Funds may be withheld pending investigation

Filing fraudulent or abusive chargebacks may result in:

Permanent account ban
Forfeiture of platform access
Legal action in severe cases

10. Security

We implement strong security measures including:

TLS/SSL encrypted connections
Tokenized card handling
SCA/3DS protections
Anti-fraud monitoring

Your card details are never stored on Orren.biz servers.

11. Contact

For questions about payments:
support@orren.biz