This Payment Policy explains how Tauqeer Mustafa Inc. quotes, invoices, and collects payment for its services. It applies to all clients unless a signed proposal, statement of work, or master services agreement sets out different commercial terms — in which case that signed document takes precedence.
1. Currency and Pricing
Project fees are quoted in US Dollars (USD) by default. Clients invoiced within Pakistan may be quoted and billed in Pakistani Rupees (PKR) at the exchange rate stated on the invoice.
All quotes are valid for 30 days from the date of issue. Prices are exclusive of taxes, bank charges, and third-party costs unless the quote explicitly states otherwise.
2. Accepted Payment Methods
We accept bank transfer (local transfer or international wire), payment by debit or credit card through our payment processor, and transfers via recognised international remittance services such as Wise or PayPal where available.
Card payments are handled entirely by a PCI DSS compliant payment processor. We do not see, handle, or store full card numbers, CVV codes, or bank credentials on our own systems.
We do not accept cash, cryptocurrency, or payment from an account whose holder is unrelated to the contracting client, unless agreed in writing in advance.
3. Invoicing and Payment Schedule
Fixed-scope projects are invoiced against an advance payment that confirms the booking and reserves delivery capacity, followed by invoices at agreed milestones. The specific split is set out in the proposal for each engagement.
Monthly retainers, support plans, and managed services are invoiced in advance for the upcoming service period.
Time-and-materials work is invoiced in arrears for hours actually worked, with a summary of the work performed attached to the invoice.
Unless the invoice states otherwise, payment is due within 7 calendar days of the invoice date.
4. Late Payment
We send a written reminder when an invoice becomes overdue. If an invoice remains unpaid 14 days past its due date, we may pause active work, suspend access to staging environments, and hold scheduled delivery dates until the account is brought current.
Work paused for non-payment is rescheduled based on the capacity available when payment clears; the original delivery dates are not guaranteed after a pause.
Where permitted by the applicable contract and by law, we may apply a late payment charge of 1.5% per month on the overdue balance.
5. Taxes, Withholding, and Bank Charges
Clients are responsible for any sales tax, VAT, GST, or equivalent indirect tax applicable in their jurisdiction, and for any import duties on hardware procured on their behalf.
Where local law requires the client to deduct withholding tax from a payment, the client agrees to provide a valid withholding tax certificate. Amounts withheld without a certificate remain payable to us.
The sending party is responsible for its own bank and intermediary wire fees. Invoices must be settled for the full invoiced amount net of fees.
6. Third-Party and Pass-Through Costs
Costs such as cloud hosting, domain registration, commercial software licences, paid APIs, stock assets, and app store fees are either billed to the client's own accounts or passed through to the client at cost.
Pass-through costs above a nominal amount are approved by the client in writing before we incur them. Once incurred on the client's behalf, these costs are payable in full and are not refundable by us.
7. Payment Security and Fraud Prevention
Our official bank details appear only on invoices issued from our billing address. We will never ask you to send payment to a different account by chat message, and we will never request your card number, CVV, one-time passcode, or online banking password over email, WhatsApp, or phone.
If you receive a payment request that appears to come from us but uses unfamiliar bank details, do not pay it. Contact our billing team using the address on this page to verify before transferring any funds.
8. Failed Payments and Chargebacks
If a card payment or bank transfer is reversed, declined, or returned, the underlying invoice is treated as unpaid and any bank charge we incur as a result is added to the balance.
If you believe an invoice is incorrect, please contact our billing team so we can review it. Raising a chargeback before contacting us delays resolution, and we may suspend delivery while a disputed payment is under investigation with the processor.
9. Billing Contact
Questions about an invoice, a payment method, or a payment that has not appeared on your account should be sent to our billing team at billing@tauqeermustafa.tech. Please quote the invoice number in your message.
Questions about this document? Contact our legal team at legal@tauqeermustafa.tech.