Payment Policy

Last updated: 29 May 2026

This Payment Policy explains how payments and wallet funds are accepted, processed, verified, and refunded for purchases of CS2 in-game items (“skins”) made through www.higherskins.com.

The Website is operated by:

In this Policy, “Higherskins”, “we”, “us” or “our” means RYE FLOUR COOKIES LTD. “Customer”, “you” or “your” means any person placing an order through the Website.

This Payment Policy should be read together with our Terms and Conditions, Trade Delivery Policy, Refunds and Cancellation Policy, and Privacy Policy.

1. Scope of This Policy

1.1 This Policy applies to all payments made through the Website, including adding funds to your Higherskins wallet, purchasing skins, and any service fees displayed at checkout.

1.2 Higherskins sells digital in-game items for Counter-Strike 2 (CS2), delivered through the Steam trading system.

1.3 By adding funds or placing an order, you agree to this Payment Policy.

2. Wallet Balance

2.1 Purchases on Higherskins are paid from your Higherskins wallet balance. You add funds to your wallet and then use that balance to buy skins.

2.2 Your wallet balance represents a prepaid amount available to spend on the Website. It is not a bank account and does not earn interest.

2.3 When you buy a skin, the relevant amount is reserved from your balance and is only captured once the trade offer is confirmed, so you are covered by buyer protection on every trade.

2.4 Where a purchase fails or is cancelled before delivery, the reserved amount is returned to your wallet balance.

3. Accepted Currencies

3.1 The Website may display and accept payments in the following currencies:

• EUR
• GBP
• USD

3.2 The currency available to you may depend on your location, store settings, payment provider availability, or checkout configuration.

3.3 The final currency and amount payable will be shown before you complete your payment.

3.4 If your card or bank account is held in a different currency, your card issuer or bank may apply its own exchange rate, conversion fee, or foreign transaction fee, which Higherskins does not control.

4. Prices and Fees

4.1 Skin prices are displayed on each listing and at checkout before you confirm a purchase.

4.2 The final order total shown before payment may include:

• the skin price;
• any service or buyer-protection fee, where applicable;
• discounts or promotional credit, where valid.

4.3 Skin prices may change at any time due to live market movement before an order is placed.

4.4 If a price, fee, currency amount, or order total is clearly incorrect due to a technical error, we may cancel the order or contact you to confirm whether you wish to proceed at the corrected price.

5. Accepted Payment Methods

5.1 To add funds to your wallet, Higherskins accepts secure card payments using:

• Visa
• Mastercard

5.2 Other payment methods are not accepted unless expressly displayed at checkout or agreed by Higherskins in writing.

5.3 Payment must be completed and funds available before an order is processed.

6. Payment Processing

6.1 Payments are processed by secure third-party payment providers.

6.2 When you submit payment details, the payment provider may verify, authorise, authenticate, approve, decline, or review the transaction.

6.3 Higherskins does not guarantee that your payment will be accepted. Approval depends on your card issuer, bank, payment provider, fraud checks, authentication requirements, available funds, and other factors outside our control.

6.4 Your order will not be fulfilled until the required funds are available in your wallet.

7. Card Security and Payment Data

7.1 Higherskins takes payment security seriously.

7.2 Card payments are handled through secure third-party payment providers. Higherskins does not store your full card number, security code, or complete card credentials on its own systems.

7.3 We may receive limited payment-related information from payment providers, such as:

• payment status;
• transaction reference;
• payment provider ID;
• card brand;
• last four digits of the card where provided;
• refund status;
• chargeback or dispute information;
• fraud screening outcome.

7.4 You must not attempt to make a payment using a card, account, or payment method that you are not authorised to use.

8. Strong Customer Authentication

8.1 Some card payments may require additional authentication, such as 3D Secure, one-time passwords, or banking app approval required by your bank, card issuer, or payment provider.

8.2 If authentication is not completed successfully, the payment may be declined and funds may not be added to your wallet.

8.3 We may request additional information to verify billing details, account legitimacy, fraud risk, or compliance requirements. Failure to provide it may result in order or payment cancellation.

9. Failed, Declined, or Pending Payments

9.1 If your payment is declined, fails, expires, is reversed, or remains pending, funds may not be added to your wallet and your order may not be processed.

9.2 Higherskins is not responsible for payment failures caused by your bank, card issuer, payment provider, insufficient funds, incorrect card details, authentication failure, transaction limits, network issues, or fraud controls.

9.3 We reserve the right to cancel unpaid, failed, pending, suspicious, or incomplete orders.

10. Fraud Prevention and Payment Reviews

10.1 To protect customers, Higherskins, payment providers, and card networks, transactions may be screened for fraud, abuse, unauthorised activity, sanctions risk, and payment security concerns.

10.2 We may delay, cancel, reject, or request additional verification for orders or wallet top-ups that appear suspicious or high-risk.

10.3 Examples of risk indicators may include:

• use of multiple failed payment attempts;
• suspected unauthorised card use;
• unusual order value, frequency, or top-up amount;
• restricted or sanctioned location;
• unusual IP, location, or device data;
• previous chargeback or fraud history;
• inconsistent account or billing information.

10.4 We are not required to fulfil any order that we reasonably believe may be fraudulent, unauthorised, unlawful, abusive, or non-compliant.

11. Discounts, Promotional Credit, and Price Errors

11.1 Promotional codes, discounts, and credit may be subject to additional terms, expiry dates, eligibility rules, minimum values, or exclusions.

11.2 Promotional codes must be applied before payment is completed. We are not required to apply a code retrospectively.

11.3 Promotional credit cannot be exchanged for cash unless required by law.

11.4 We may refuse, cancel, or reverse a discount where it has been used fraudulently, incorrectly, abusively, in breach of its terms, or due to technical error.

12. Refunds

12.1 Refunds are handled in accordance with our Refunds and Cancellation Policy.

12.2 Refunds are normally credited to your Higherskins wallet balance. Where a refund to your original payment method is required by law or agreed with us, it will be processed to that method where possible.

12.3 We cannot normally refund to a different card, account, or person.

12.4 After we process a refund to a card, your bank or payment provider may take additional time to make the funds available.

12.5 Currency conversion differences, card issuer fees, and foreign transaction fees are not controlled by Higherskins and are not refundable by Higherskins.

13. Chargebacks and Payment Disputes

13.1 If you have a problem with a payment, order, delivery, or refund, please contact us first at info@higherskins.com so we can investigate and try to resolve the issue.

13.2 If you open a chargeback or payment dispute, we may provide information to our payment provider, bank, card network, or dispute resolution provider, including order details, payment records, trade delivery records, communications, refund records, and fraud screening information.

13.3 We reserve the right to challenge chargebacks where we believe the order was correctly processed and delivered.

13.4 Fraudulent, abusive, or repeated chargebacks may result in cancellation of future orders, forfeiture of wallet balance where lawful, restriction of account access, or further action where permitted by law.

14. Sanctions, Restricted Payments, and Compliance

14.1 We may refuse, cancel, suspend, or block any payment or order where required due to sanctions, financial crime controls, payment processor rules, card network rules, or legal obligations.

14.2 You confirm that you are not subject to sanctions, not located in a restricted territory, and not using the Website in breach of applicable laws, sanctions, or export controls.

14.3 We are not responsible for delays, blocked payments, or cancelled orders caused by sanctions, compliance checks, payment processor requirements, or legal restrictions.

15. Changes to This Payment Policy

15.1 We may update this Payment Policy from time to time to reflect changes in payment methods, currencies, checkout processes, payment providers, fraud controls, or legal requirements.

15.2 The version in force at the time you place your order will apply to that order, unless a change is required by law. When we update this Policy, we will revise the “Last updated” date at the top of the page.

16. Contact Information

If you have any questions about payments, wallet funds, refunds, failed payments, or payment disputes, please contact us: