One charge, confirmed by you, and nothing after it.
This page describes exactly what happens when money moves between you and us: what you can pay with, in what currency, who processes it, what appears on your statement, and how it comes back if you want it back. If anything here does not match your experience, that is a bug in our billing and we want to hear about it at billing@coppermailer.com.
How a purchase works
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You configure it yourself
You pick a licence, or set the number of credits in the calculator. The total shown is the total: no handling charge, no processing fee, no service charge, no account fee and no minimum spend, ever.
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You see the whole amount before you agree to it
The checkout page shows the price, any tax we are required to collect, and the final total, before you authorise anything. You tick a box confirming you accept the Terms of Service, the Privacy Policy and the Return & Refund Policy, and we record which version you accepted and when.
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One charge is taken
At the moment you confirm, and not before. No recurring mandate is created, because there is nothing on this site that renews. Card details are entered on payment fields hosted by our processor and never touch CopperMailer servers.
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You get what you bought, immediately
Licences, unlocks and credits reach your account in seconds and always within one hour. Template packs download at once. The invoice, with full tax detail, is emailed at the same time and kept in Settings → Billing → Invoices.
What you can pay with
| Method | Status |
|---|---|
| Visa, Mastercard, American Express, Discover | Live. Processed by Stripe on Stripe-hosted fields, with 3-D Secure where the card issuer or PSD2 requires it. |
| Apple Pay, Google Pay | Live, on devices that support them. The card behind the wallet is charged once, exactly as above. |
| Bank transfer and BLIK for customers in Poland, through Przelewy24 | Being enabled, not yet live. When it is, the payment page will name the institution processing it, the amount will be presented and settled in PLN, and JC Establishment LLC will remain the seller and merchant of record. |
| Bank transfer against an invoice | On request for orders above 20,000 credits or where a purchase order is required. Write to sales@coppermailer.com. |
| Direct debit, standing orders, any mandate-based method | Not offered, deliberately. A mandate exists so that someone can pull money from your account later. Nothing here ever charges you twice, so there would be nothing for it to do. |
| Cryptocurrency, cash, cheque, gift cards, third-party vouchers | Not accepted. |
Currency and conversion
- Every price on this site is quoted in United States dollars, and USD is the currency of the contract.
- Where you pay with a method that settles in another currency — a Polish bank transfer or BLIK in PLN, for instance — the converted amount is displayed before you confirm. That figure is what you are charged, and it is the figure we refund if the purchase is later refunded. We add no margin of our own to the conversion.
- If your card is denominated in a third currency, your own bank may apply its rate and a foreign-transaction fee. That is between you and your bank; we receive no part of it and cannot see it.
- Tax is calculated and shown at checkout before you confirm and itemised on the invoice. Where a destination country requires us to collect VAT or GST on sales to consumers, we register and account for it in that country.
Security of the payment itself
Card data never reaches us
The card fields belong to Stripe, not to us. We receive a token, the card brand, the last four digits, the expiry date and the outcome. That keeps CopperMailer in PCI DSS SAQ A scope, the narrowest there is, and means a breach of our systems could not expose a card number we never had.
Strong customer authentication
Where PSD2 or the card issuer requires it, the payment is authenticated with 3-D Secure before it completes. We do not attempt to route around it, and we do not ask for exemptions on your behalf.
No card kept waiting
We store no payment credentials for future use unless you explicitly ask us to save a method for convenience, and you can remove it at any time in Settings → Billing. Removing it cannot break anything, because nothing is scheduled to charge it.
Fraud screening
Payments are screened by Stripe. We decline, or refund and reverse, any purchase we reasonably believe to be fraudulent or made with a payment method used without its owner’s authority. Where we do, you are told why and nothing is retained.
What appears on your statement
JC Establishment — once per purchase.
That is the legal name of the company you are buying from. CopperMailer is its trading name, which is why the two do not read identically. We would rather tell you now than have you puzzle over a line on a statement in three weeks’ time, so the same warning appears in the pricing section, in clause 7 of the Terms and in the Return & Refund Policy.
If a payment fails
The purchase simply does not complete. Nothing is applied to your account, nothing is queued, no card is retried and no card is stored. There is no dunning process, no late fee and no suspension for non-payment, because you can never owe us money you have not already paid: everything is prepaid, one purchase at a time. If you run out of credits, reply generation pauses and inbound mail keeps arriving, being classified and being routed; the API answers 402 insufficient_credits and charges nothing.
Getting money back
| Returns of goods | Not applicable. Nothing physical is sold, so nothing is ever posted back, there is no return address for goods and no restocking fee. Our return policy is our refund policy. |
|---|---|
| Window | 14 days on anything unused, no justification required. Unused paid credits, pro rata, for 24 months from the date of that purchase. |
| Consumer withdrawal | Consumers in the EU, the UK and the EEA keep the statutory 14-day right of withdrawal. We do not ask anyone to waive it and do not rely on its waiver, even though supplying digital content immediately would let us. See clause 4. |
| Route | Back to the original payment method, in the currency charged. No fees deducted, and never a voucher or credit offered in place of money. |
| Timing | Decision within 5 business days; funds appear within 5 to 10 business days after that. Statutory withdrawals are refunded within 14 days at the latest. |
| How to ask | One line to billing@coppermailer.com. There is no form to fill in and no retention call to sit through. |
Chargebacks and disputes
If you think a charge is wrong, writing to billing@coppermailer.com is usually the fastest route: we correct billing errors quickly and refund genuine mistakes without argument, and there is no time limit on fixing our own. Contacting us first is a request, not a condition.
Your right to dispute a charge with your card issuer or bank is yours alone. We will never suspend, restrict, penalise or close an account for exercising it, and we do not treat a chargeback as a breach of the Terms. While a dispute is open we may pause the specific purchase it relates to; the account itself stays open and usable. The full wording is in clause 8 of the Return & Refund Policy.
Who does what
| Party | Role |
|---|---|
| JC Establishment LLC d/b/a CopperMailer | Seller, merchant of record, invoicing entity and the party you contract with, on every order without exception. It sets the price, delivers the software, issues the invoice, decides refunds and answers complaints. Full company details. |
| Stripe, Inc. and Stripe Payments Europe Ltd | Payment processor for card, Apple Pay and Google Pay transactions. Captures card data on its own hosted fields, performs 3-D Secure and fraud screening, moves the money, and acts as an independent controller for payment and fraud-prevention purposes. |
| A local payment institution | Where a local method is offered, it is processed by the institution named on the payment page at the time. It handles the transfer; it is not the seller, and your contract remains with JC Establishment LLC. |
| Your bank or card issuer | Authorises the payment, applies any currency conversion on its side, and is where you can raise a dispute at any time. |
| Nobody else | We are not a marketplace, reseller, aggregator or payment facilitator. We sell nothing on anyone else’s behalf and never collect, hold, split or forward money intended for a third party. There is no other entity in this chain. |
Invoices and tax documents
An invoice is emailed for every purchase, immediately, and every one of them stays available as a PDF in Settings → Billing → Invoices with full tax detail. If you need a company name, VAT number, purchase-order reference or address added to an invoice, write to billing@coppermailer.com and we reissue it the same day; we do not charge for that and there is no cut-off after which we refuse.
Buying from Poland? The Polish-language summary at Informacje dla klientów z Polski covers the seller’s details, delivery, the 14-day right of withdrawal with a model form in Polish, the complaints procedure with its deadlines, and where to get free consumer help.