Payment Policy

Card top-ups on ARCANUM will be handled by an external, PCI-DSS-compliant payment provider. ARCANUM never sees or stores your full card number — card details are entered directly with the provider, which returns only a secure token to us. Visa and Mastercard credit and debit cards will be accepted. Card top-ups are not live yet: the payment provider is still being set up, no card is charged on ARCANUM today, and the top-up form says so. Support: support@arcanum.boutique.

You can fund your purchases in two ways:

• Visa and Mastercard credit or debit cards, processed by our provider — not available yet.
• Your ARCANUM wallet balance — a prepaid balance you top up and spend across the market.

Top-ups by Amex, PayPal, cryptocurrency or cash are not accepted.

The wallet is a prepaid balance used to buy Arcanas, Immortals, couriers and sets with a single charge. Top up, then spend the balance across the whole catalog. The balance is kept in US dollars, because the catalogue is priced in US dollars.

• Once card top-ups are live, a deposit is credited to your wallet when the card payment is approved.
• A custom top-up can be from €1 to €20,000 (or the US-dollar equivalent).
• Credits you buy via card top-up are used to purchase items and are not withdrawable as cash.
• Refunds for failed or cancelled orders are credited back to your wallet.

Users who sell their own items on the platform accrue the proceeds (net of a 10% platform commission) in their wallet; each sale becomes withdrawable 3 days after it is made. The full rules are in our Seller Terms. Withdrawals are requested from your wallet and paid only by manual bank transfer to an IBAN account held in your own name. We do not pay out to cards, PayPal, Wise, cryptocurrency or any other method. Every payout is reviewed by our staff before it is released. Credits you buy via card top-up are used to purchase items and are not withdrawable as cash.

Before your first withdrawal is released we verify your identity: full legal name, a government-issued identity document (such as a passport), residential address, and bank details (account holder name, IBAN, BIC and bank country). Your identity document is stored privately and only authorised staff reviewers can view it. Verification is reviewed and must be approved. We may apply limits, request further information, and delay or decline payouts to prevent fraud and to comply with applicable law. Payouts are typically processed within a few business days of approval.

When you buy an item:

• You confirm the order at the price shown in US dollars.
• The amount is taken from your wallet balance.
• We buy the item from a seller on TM Market (market.dota2.net), and the seller sends it to your Steam trade URL.
• If the purchase cannot be placed, or the seller does not complete the trade in time, the amount is automatically returned to your wallet.

You pay in the currency you choose: euro (EUR) or US dollar (USD). Items are priced and your wallet balance is kept in US dollars, because the catalogue is priced in US dollars. If you top up in euro, we convert the amount into your US-dollar balance at the day's European Central Bank reference rate; the rate and the resulting balance are shown to you before you pay. The price you see at checkout is the price you pay — there are no hidden surcharges added by ARCANUM at the point of purchase.

Payments are protected by industry-standard safeguards provided by our PCI-DSS payment provider, including encrypted transmission and, where your bank supports it, 3-D Secure verification. Because card data is tokenized by the provider, ARCANUM does not hold your card number on its own systems.

If a card payment is declined, no balance is added and no order is placed. You can retry with the same or a different Visa/Mastercard card. If you are charged but the balance does not appear within a few minutes, contact us with your reference and we will reconcile or refund the amount.

We do not serve persons located in, or ordinarily resident in, Russia, Belarus, Iran, North Korea, Syria, Cuba, or anyone on an EU, UN or US sanctions list; connections from those countries are refused on every page, and we refuse a card top-up with a billing address there and a payout to a bank account there. We may refuse, freeze or report a top-up, purchase or payout under anti-money-laundering rules.

If you believe a charge is incorrect, please contact us first — most issues are resolved faster directly than through a chargeback. Filing a chargeback for an order that was correctly delivered may result in the affected account being suspended while we investigate.

We may update this Payment Policy to reflect changes in payment methods or procedures. Material changes will be communicated on-site or by email. Continued use of ARCANUM after an update constitutes acceptance.

For payment questions, email support@arcanum.boutique or write toTRAFFIXORA OÜ · registry code 17543319 · Maakri tn 19/1, 10145 Tallinn, Estonia. This policy is governed by the laws of the Republic of Estonia. See also our Refund Policy and Cancellation Policy.