Payment Policy
Last Updated: August 1, 2026
This Payment Policy outlines how transactions, billing, and taxes are handled on FreshSTL.
1. Merchant of Record
Our order process is conducted by our online reseller, Whop.com. Whop acts as the Merchant of Record (MoR) for all orders placed on FreshSTL.
This means that when you purchase a digital asset or subscription from our website, you are technically purchasing it from Whop. Whop provides all customer service inquiries and handles returns relating to payments, billing, and taxes.
2. Accepted Payment Methods
Through Whop, we support a wide variety of secure payment methods, which may vary depending on your location. Commonly accepted payment methods include:
- Major Credit and Debit Cards (Visa, MasterCard, American Express, Discover)
- PayPal
- Apple Pay
- Google Pay
3. Supported Currencies & Conversion
Prices on our website are primarily displayed in USD. However, depending on your geographic location, Whop may automatically convert and display the price in your local currency at checkout. Currency conversion rates are determined by Whop and your payment provider at the time of purchase.
4. Taxes and VAT
Because Whop is the Merchant of Record, they are responsible for complying with international tax regulations.
- Tax Calculation: Whop calculates, collects, and remits all applicable sales taxes, Value Added Tax (VAT), or Goods and Services Tax (GST) based on your billing address and local tax laws.
- Checkout Total: The final price you see at the Whop checkout screen will include any applicable taxes.
- B2B Purchases: If you are purchasing on behalf of a business and have a valid VAT/Tax ID, you can enter it during the Whop checkout process to have the tax deducted or reverse-charged according to local regulations.
5. Payment Security and Processing
Your payment security is our top priority.
- All payment processing is handled securely by Whop.
- FreshSTL does not collect, process, or store your full credit card numbers or bank details on our servers.
- Whop complies with strict Payment Card Industry Data Security Standards (PCI DSS) and utilizes advanced fraud detection systems to ensure your transactions are safe.
6. Order Confirmation and Invoicing
Once your payment is successfully processed:
- You will immediately receive access to your purchased digital files in your FreshSTL account dashboard.
- You will receive an email receipt directly from Whop containing your invoice and transaction details. You can use this invoice for your personal or business accounting records.
7. Failed Payments and Fraud Prevention
- Failed Payments: If your payment is declined, please ensure your billing information is correct and that you have sufficient funds. You may need to contact your bank to authorize the transaction if it was flagged incorrectly.
- Fraud Prevention: Whop's automated risk management systems review every transaction. If a transaction is flagged as high-risk or fraudulent, it may be rejected or held for manual review. We reserve the right to suspend accounts associated with fraudulent payment activities or chargebacks.
8. Subscriptions and Recurring Billing
If you purchase a subscription product:
- You authorize Whop to automatically charge your selected payment method at the beginning of each billing cycle (e.g., monthly or annually).
- You will receive an email reminder before your card is charged for an upcoming renewal, if required by your local laws.
- You can cancel your subscription at any time through your FreshSTL account settings. Cancellation will stop future billing, but you will retain access to subscription benefits until the end of the current paid billing period.
9. Support
If you have questions specifically regarding a charge on your statement, tax calculations, or an invoice, you may contact Whop support directly at whop.com/support, or contact us at support@freshstl.com and we will assist you in liaising with Whop.