Payment Policy
Art Bundle · Payment Policy · Effective 19 August 2026
| Field | Value |
| Operator | Monosketch OÜ |
| Company number | 17578720 |
| Registered office | Maakri tn 19/1, Kesklinna linnaosa, Tallinn, Harju maakond, 10145, Estonia |
| Trading name / brand | Art Bundle |
| Website | https://art-bundle.com |
| Contact email | info@art-bundle.com |
| Support / complaints | info@art-bundle.com; Monday-Friday, 09:00-17:00 Tallinn time; contact-form requests are normally answered within 24 hours |
| Governing law | Laws of the Republic of Estonia, subject to mandatory consumer protections applicable in the consumer’s country of residence |
| Effective date | 19 August 2026 |
| Important: Art Bundle sells one-off digital products and prepaid generation-credit packs; it does not use recurring subscription billing under the current model. Confirm the selected currency and total before authorising payment. Never send full card credentials to Art Bundle support. |
1. Scope & purpose
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
2. Nature of transactions
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
3. Accepted payment methods
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
4. Billing currencies & pricing display
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
5. Taxes & charges
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
- Keep account and contact details accurate enough for fulfilment and support.
- Do not use credits, payment methods or generated outputs in a way that violates law, this policy or the Terms and Conditions.
- Contact support promptly if a transaction, delivery event or account record appears incorrect.
6. Authorisation & transaction completion
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
The website currently presents EUR, with website currency display options for USD, AUD and GBP; the selected billing currency and final total are shown before payment authorisation. Currency conversion, card-issuer fees and other charges imposed by a user’s bank are outside Art Bundle’s control and are not part of the merchant price unless expressly shown at checkout.
7. Use of third-party payment providers
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
8. Security, verification & fraud controls
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
9. User payment responsibilities
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
10. Declined, failed or reversed payments
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
- Keep account and contact details accurate enough for fulfilment and support.
- Do not use credits, payment methods or generated outputs in a way that violates law, this policy or the Terms and Conditions.
- Contact support promptly if a transaction, delivery event or account record appears incorrect.
11. Duplicate charges & technical errors
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
12. Unauthorised transactions & security reporting
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
13. Refunds & relationship to the Refund Policy
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory. Refund decisions are based on transaction status, fulfilment evidence, the customer’s explanation and applicable mandatory rights; they are not used to penalise a customer for raising a legitimate complaint.
The website currently presents EUR, with website currency display options for USD, AUD and GBP; the selected billing currency and final total are shown before payment authorisation. Currency conversion, card-issuer fees and other charges imposed by a user’s bank are outside Art Bundle’s control and are not part of the merchant price unless expressly shown at checkout. Refund decisions are based on transaction status, fulfilment evidence, the customer’s explanation and applicable mandatory rights; they are not used to penalise a customer for raising a legitimate complaint.
14. Chargebacks, retrievals & disputes
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory. Customers are encouraged to contact Art Bundle first so the merchant can investigate quickly, but doing so does not waive any right to raise a card-scheme dispute with the issuing bank.
15. Timing of delivery & account crediting
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory. Account credentials should not be shared, and support may request reasonable evidence of control before changing sensitive account settings or releasing transaction information.
The website currently presents EUR, with website currency display options for USD, AUD and GBP; the selected billing currency and final total are shown before payment authorisation. Currency conversion, card-issuer fees and other charges imposed by a user’s bank are outside Art Bundle’s control and are not part of the merchant price unless expressly shown at checkout. Account credentials should not be shared, and support may request reasonable evidence of control before changing sensitive account settings or releasing transaction information.
- Keep account and contact details accurate enough for fulfilment and support.
- Do not use credits, payment methods or generated outputs in a way that violates law, this policy or the Terms and Conditions.
- Contact support promptly if a transaction, delivery event or account record appears incorrect.
16. Payment records & audit trail
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
17. Geographic & legal restrictions
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
18. Minors & payment authority
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory. The service is intended for persons aged 18 or older. A person who cannot form a binding contract or does not have authority to use the payment method must not make a purchase.
19. Changes to prices, methods & rules
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
20. Service interruptions & processor downtime
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
- Keep account and contact details accurate enough for fulfilment and support.
- Do not use credits, payment methods or generated outputs in a way that violates law, this policy or the Terms and Conditions.
- Contact support promptly if a transaction, delivery event or account record appears incorrect.
21. Contact & complaint route
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory. Requests should be sent to info@art-bundle.com; normal support hours are Monday-Friday 09:00-17:00 Tallinn time.
22. Updates
Payments purchase digital image products or prepaid generation credits purchased in fixed packs (Starter 50 credits for EUR 50, Advanced 100 for EUR 100, Studio 250 for EUR 250, and Business 500 for EUR 500 at the prices observed on the website), with no recurring subscription and no stated expiry. There is no recurring subscription in the observed commercial model. Art Bundle displays the selected currency and total before the user submits a payment instruction, and payment is processed through the checkout methods made available for that customer and territory.
23. Payment lifecycle
| Stage | What normally happens | Typical status | Key risk / control |
| Price selection | User chooses image/product or credit pack and display currency | Basket / checkout | Confirm pack, currency and total before submission |
| Payment authorisation | Payment provider sends transaction for issuer approval | Pending / authorised / declined | Authentication and fraud checks may apply |
| Merchant confirmation | Successful checkout result is returned to Art Bundle | Paid / processing | Avoid refreshing or resubmitting repeatedly |
| Digital fulfilment | Credits are posted or file/access becomes available | Fulfilled | Account ledger and fulfilment logs provide evidence |
| Post-transaction | Refund, reversal or dispute may occur if needed | Settled / refunded / reversed / disputed | Original-method refund and evidence-based dispute handling |
24. Practical payment lifecycle overview and user good practice
- Check the pack size, selected currency and final total before pressing the payment button.
- Use only a payment method you are authorised to use and complete any bank authentication prompt yourself.
- After payment, wait for the confirmation page/account update; repeated clicks can create duplicate authorisation attempts.
- If the payment is declined, contact the issuing bank or use another permitted method rather than repeatedly retrying at high frequency.
- For a duplicate or unauthorised charge, contact Art Bundle promptly with the order and payment details; do not send full card numbers by email.
- For a missing digital fulfilment event, follow the Digital Product Fulfilment Policy before making a second purchase where practical.
Art Bundle · Payment Policy · Effective 19 August 2026 · Published on the website; subject to update; the current published version governs.