Online Card Payments: LibraPay Processor

1. Parties and roles

Merchant

NOIDEEA S.R.L.

CUI: RO48069626

Trade Register: J40/8019/2023

Address: Calea Vitan 242, Corp C2 Parter Birou 17, Sector 3, București

Web: statusdosar.ro

The merchant operates the platform, sets the price, issues the fiscal documents and is responsible for service delivery.

Payment processor

LibraPay

Operated by: Libra Internet Bank S.A.

Country: România (UE / SEE)

Supervision: Banca Națională a României (BNR)

Certification: PCI DSS

The processor handles card data, performs 3-D Secure authentication, executes the transaction and returns only the result (not card details) to the merchant.

You can verify LibraPay's status via the Romanian National Bank at www.bnr.ro or via the LibraPay official documentation.

2. How a card payment flows

1. You choose a subscription plan and confirm billing data.
2. You explicitly accept the Terms and Conditions, including Art. 6 (payments). We do not ask you to waive the statutory right of withdrawal, there is no waiver checkbox, neither at registration nor here (Terms, Art. 6.7). Access to the paid features starts as soon as the payment is confirmed. Separately from that, the full refund right in the first 15 days comes on top of the rights the law gives you.
3. The platform sends you, over a secure connection, to the official LibraPay payment page.
4. On the LibraPay page you enter the card number, expiry date and CVV. Card data is collected, validated and processed entirely by LibraPay, never by our servers.
5. LibraPay triggers 3-D Secure authentication with your issuing bank (SMS code, banking app push, biometric, depending on the bank).
6. Once authentication succeeds, the amount is captured and LibraPay confirms the payment to the platform. The subscription is activated on that confirmation, not on what the screen happens to show you.
7. The platform activates the subscription, sends a confirmation e-mail and queues the invoice. The fiscal invoice is issued through an authorised provider and transmitted electronically, within the deadlines set by tax law (section 6).
8. If you close the page before the processor finishes, the subscription is still activated once the payment is confirmed. You can check the status at any time in your account.

3. Accepted cards and authentication

A transaction can be declined for reasons exclusively on the issuing bank side (insufficient funds, blocked card, anti-fraud rules, limit exceeded). In such cases the merchant has no visibility on the cause; you must contact your issuing bank.

4. What card data we see vs. what stays at LibraPay

The fields where you type the card are served and handled by LibraPay, wherever the page appears to you. What reaches us afterwards is the result of the transaction, success or failure, together with the masked references above.

5. Automatic renewal

When a subscription renews automatically, the renewal runs on an authorisation you give at the first payment. It is tied to that subscription and lets the merchant start the later charges, within limits:

• The first payment is authenticated in full through 3-D Secure: you approve the card and the later charges at the same time.
• The later charges are started by the merchant through LibraPay, on that authorisation. The card number never leaves LibraPay, and your bank may still ask you for an additional confirmation.
• Each renewal is a separate transaction: you receive a confirmation e-mail for every charge, and a renewal reminder 1 day before the renewal date: stating the exact date and amount, before the card is actually charged.
• You can cancel automatic renewal at any time from your account; the subscription continues until the end of the period already paid.
• The authorisation is limited in time: it lasts at most 24 months, or until the card expires, whichever comes first.
• If a renewal charge does not go through (insufficient funds, for instance), we write to you by e-mail and tell you the date by which you can settle the payment. Until that date your access is unchanged, and we keep retrying.
• If it still does not succeed by that date, the attempts stop and access moves to the free plan, the account is not closed and you do not lose what you have saved.
• If the payment goes through during the grace period, your billing day stays the same: the next renewal keeps the original day of the cycle.
• If you pay later (after access has already moved to the free plan), a new subscription cycle starts, anchored on the date of that new payment.

6. Prices, currency, invoice

• All prices are in Romanian Lei (RON) and include VAT according to current fiscal law. On the /preturi page the price is shown with VAT included, the same amount that is charged.
• For any paying subscriber, natural person or company alike, a fiscal invoice is issued through an authorised provider, on the billing data you have entered, and transmitted electronically to the national electronic invoicing system. For any fiscal correction, write to us through the contact form.
• The invoice is issued at the latest by the 15th day of the month following the one in which the chargeable event occurs, and it reaches you by e-mail.
• The price displayed at checkout is final, no hidden fees. Banking fees for issuing the card (if any) are entirely the responsibility of the issuing bank.

7. Consumer rights (GEO 34/2014)

The full Refund and Cancellation Policy is detailed in Refund Policy. In short:

• Full refund within 15 days of the first payment, requested through the contact form, a contractual right granted in addition to the rights the law gives you (Refund Policy, Art. 2.3);
• After those 15 days, no refunds under that policy for paid subscriptions, neither the first payment nor the renewals, regardless of the time elapsed (Refund Policy, Art. 3); the rights the law grants you directly are not affected (Refund Policy, Art. 2.4 and 7bis);
• The other situations in which amounts are returned: a proven major service defect attributable exclusively to the merchant, termination initiated by the merchant for reasons not attributable to you, your refusal of a substantial change to the Terms, and the case where the service can no longer be performed or is discontinued (Refund Policy, Art. 6.3 and 6.4);
• You can cancel the subscription at any time; the next charge stops and access continues until the end of the paid period.

8. Refund and chargeback

For dispute resolution via the National Authority for Consumer Protection (ANPC) or accredited Alternative Dispute Resolution (ADR) bodies, see the Complaints Policy.

9. Failed transactions and dispute resolution

• Failed authentication 3-D Secure: the amount is NOT debited. You can retry with the same card or use a different one.
• Debited, but the subscription is not active: the confirmation of the payment may arrive with a delay, and the situation corrects itself. If it persists, write to us with the order reference.
• Two charges for the same order: the platform does not activate the same order twice. If your bank shows two debits, write to us: we identify the second transaction and, where it is a real one, we return the amount.
• An amount blocked without a corresponding subscription: this happens where the authentication was abandoned while the bank had already reserved the amount. Blocked funds are released automatically by your bank.

For any of these, the order reference helps most: you have it in the confirmation e-mail. Without it, identifying the transaction takes longer.

10. Security and compliance

• PCI DSS certification at LibraPay. The merchant stays outside the storage of card data: what reaches us are the non-sensitive references of the transaction.
• 3-D Secure (Visa Secure / Mastercard Identity Check) at every transaction, in line with the strong customer authentication required for payment services.
• The traffic between your device, the payment page and the platform is encrypted.
• Every payment, refund and subscription change is recorded, and the record is kept for as long as it is needed to account for the operation.

Specific technical configurations are kept confidential as a defensive measure. For PCI DSS reference, see PCI Security Standards Council at www.pcisecuritystandards.org.

11. Contact and complaints

For any issue specific to card data processing or how LibraPay handles your card information, you may also contact LibraPay (Libra Internet Bank) directly through their official channels.