Payment Terms

Stripe (credit and debit cards)

Credit and debit card payments are processed through Stripe-hosted Checkout. Your card number is never entered on this site and is never stored by Bradley F. Matera. Stripe handles all card data in a PCI-compliant environment. Stripe receives your email, payment amount, and product description.

PayPal (goods and services)

PayPal is available for goods and services payments through PayPal checkout or invoice. The seller is listed as Bradley F. Matera. Friends and Family payments are not accepted for business transactions. For custom website projects, a PayPal invoice can be requested — it will include the customer name, project description, invoice number, milestone, and amount.

PayPal Seller Protection may or may not apply to a given transaction depending on the transaction type, buyer location, and PayPal’s policies. This site does not claim that every transaction is protected by PayPal Seller Protection.

Zelle (established clients only)

Zelle may be available for established clients after a written agreement and numbered invoice have been issued. Availability depends on the participating financial institutions. Include the invoice number in the payment memo.

A Zelle payment still generates an internal payment record and a paid receipt. Zelle payments are not tax-free and are reported as income as required by law. There is no public Zelle payment button on this site, and personal bank information is not published.

Every project and store purchase is assigned a unique sequential invoice or order number. This number appears on your invoice, receipt, and any payment records. Include the invoice number in all payment correspondence and in Zelle payment memos.

• A 50% deposit schedules the project. Work begins only after the service agreement, scope, and deposit are received.
• The remaining balance is due after client approval and before public launch or final transfer.
• Work begins only after the service agreement, scope, and deposit are received.
• Additional work outside the approved scope requires written approval and may be invoiced separately.

• Monthly plans are billed in advance and may be cancelled before the next billing period.
• Cancellation takes effect at the end of the current paid period.
• Payment-processing fees are not added unless clearly disclosed before payment and legally permitted.
• All prices are in U.S. dollars unless otherwise stated.

After a successful payment, you receive an itemized receipt that includes:

• Receipt number
• Invoice or order number
• Date paid
• Customer name
• Itemized purchase (product, quantity, unit price)
• Amount paid
• Payment provider (Stripe, PayPal, or Zelle)
• Transaction reference
• Remaining balance (if any)
• Seller identity: Bradley F. Matera, Illinois sole proprietor
• Support contact: bradmatera@gmail.com

Receipts are sent by email and are also available through the customer portal.

Any approved refund is returned through the original payment method. Stripe refunds go through Stripe, PayPal refunds through PayPal, and Zelle refunds by check or bank transfer. See the Refund and Cancellation Policy for full details.

If you believe a charge is incorrect, contact bradmatera@gmail.com before initiating a chargeback. Most issues can be resolved directly and faster than a chargeback. If a chargeback is initiated without prior contact, access to purchased products and ongoing services may be suspended pending resolution.

Bradley F. Matera is responsible for reporting and paying income tax on payments received. Prices listed on this site do not include separate sales tax collection unless required by applicable law. Customers are responsible for any use-tax obligations that may apply to their purchases. This site does not provide tax advice.

Note: Bradley’s EIN is not displayed on this page, on public invoices, or on ordinary customer receipts. It is used only when a specific verified legal need is established.

• All payments are processed through Stripe or PayPal, both of which are PCI-compliant.
• Card numbers and bank details are never entered on, stored by, or transmitted through this site.
• Payment provider secret keys are stored in server-side environment variables only.
• Webhook events are cryptographically verified before any order is marked as paid.
• Downloads and paid status are never granted based on a client-side redirect alone.
• This site enforces HTTPS for all connections.

Zelle may be available for established clients after a written agreement and numbered invoice have been issued. Availability depends on the participating financial institutions. Include the invoice number in the payment memo. Zelle does not support direct refunds — approved refunds for Zelle payments are issued by check or bank transfer. Zelle availability depends on the participating financial institutions and may change without notice.