Payment Policy

1. The Service Wallet

ArkLinc may provide a Service Wallet so your company can keep funds with ArkLinc for paying ArkLinc service invoices. Funding and reloading the wallet is entirely your responsibility and at your initiative: ArkLinc does not automatically reload, replenish or fund your wallet, and does not monitor your balance for you.

If you intend to pay an invoice from your wallet, make sure your Available Balance holds enough verified funds before the invoice’s due date. When ArkLinc issues an invoice, it may deduct the invoice amount from your Available Balance, subject to the wallet terms in this policy and any payment authorization you have given. Eligible service charges include:

• invoices for hourly engagements, billed by pay period for approved hours;
• Additional Working Time you requested, once the assigned team member has accepted it and ArkLinc has verified the time — it is billed with the engagement’s pay-period invoice at the engagement’s rate;
• other ArkLinc service invoices, such as one-time project invoices, when ArkLinc applies your wallet balance to them.

Invoices can also be paid using the payment details shown on the invoice. You can see your invoices and their status under Billing in the client portal.

If your Available Balance is not enough for an invoice, nothing is partially deducted and your balance is never taken below zero. The invoice stays open, and you remain responsible for paying the full amount through another accepted payment method so that ArkLinc receives it by the due date.

Adding funds to your wallet is not, by itself, payment of an invoice. An invoice is paid only when its amount has been successfully applied to it — from your wallet or from a payment ArkLinc has received — and it shows as Paid in the client portal.

Your wallet may show a service reserve level as a guide. It is for your planning only and does not mean ArkLinc will reload, top up or monitor your wallet.

2. Wallet balances

Available Balance

Verified funds that can be used for eligible charges now.

Pending Top-Ups

Payments you have told us you sent that are still awaiting matching or verification. They are not part of your Available Balance and cannot be spent until they are credited.

Reserved

Funds ArkLinc has set aside from your Available Balance for upcoming or in-progress work. Reserved funds are not available for other charges until they are released.

Pending Charges

Charges that have been recorded but are awaiting final approval. They are not deducted from your Available Balance unless and until they are approved, and they may be cancelled.

Your Transaction History shows every top-up, charge, reserve and adjustment with its status.

3. Adding funds

Open Service Wallet → Add Funds in the client portal. Each top-up gets its own reference, which looks like ARK-XXXXXX. Then pay in one of these ways:

• Wise payment link or QR code. The payment methods offered depend on your country or region and on what Wise supports there. In some supported regions you may be able to pay as a guest with a debit or credit card.
• Bank transfer to ArkLinc’s receiving account. Add Funds shows the account details for USD, AUD, CAD and GBP transfers.

Always include your top-up reference in the payment reference or memo. Then return to the top-up and submit the amount you sent and the Wise transfer number or payment reference. You can attach a receipt (PDF or image, up to 5 MB) if you have one.

Payment methods and transfers are provided by Wise and by banks, not by ArkLinc. Not every method is available in every country, and transfers are not always instant.

4. When funds are credited

Submitting your payment details or a receipt does not credit your wallet by itself. A top-up is credited only after ArkLinc has received the payment and matched it to your top-up:

• payments that carry your top-up reference and match the details you submitted can be matched automatically as they arrive;
• otherwise an authorized ArkLinc administrator verifies the payment. Verification can take up to about a week;
• until then the top-up shows as pending, and it does not count toward your Available Balance.

ArkLinc credits the amount it actually receives. If that differs from the amount you submitted — for example because of fees or currency conversion — the credited amount and a note are shown on the top-up. Your wallet has a single currency (normally US dollars); payments received in another currency are credited after conversion.

A transfer that we cannot match stays pending while we look into it. If a top-up cannot be verified, it is marked Rejected with the reason shown to you. You can cancel a top-up you have not paid yet.

5. Invoices, due dates and receipt of payment

Invoice date

The date ArkLinc issues the invoice, shown on the invoice.

Payment terms

The period the invoice gives you, from the invoice date to the due date, to prepare and settle payment — for example Net 7 (seven calendar days), as set for your account or shown on the invoice. Some invoices — for example pay-period invoices for hourly engagements — are due on the date they are issued.

Due date

The date by which ArkLinc must have received payment, shown on the invoice. Payment must be credited by 11:59 PM on the due date (ArkLinc’s billing time zone).

Payment initiation

When you start a bank transfer, card payment, Wise transfer or other payment.

Receipt of payment

When the funds are actually credited to ArkLinc’s designated account or applied from your Service Wallet, and ArkLinc has verified them. This is the date that counts.

Payment must be received by ArkLinc by 11:59 PM on the due date. Initiating a bank transfer, card payment or other payment, a transfer confirmation or screenshot, submitted proof of payment, a payment reference, or a transfer still pending with a bank or payment provider does not count as payment received.

If you initiate a payment on or before the due date but the funds are credited to ArkLinc’s account later — because of bank processing, intermediary banks, payment-provider review or other settlement delays — the invoice remains unpaid until the funds are actually received and verified, and the date they are credited is the payment date for the grace period and the late payment penalty.

You are responsible for initiating payment early enough to allow for processing and settlement times. International transfers and some payment methods can take several business days.

A transfer confirmation, receipt, payment reference or other proof of payment you send does not, by itself, confirm that ArkLinc has received the payment. ArkLinc has received it when the invoice shows as Paid in the client portal.

The client portal shows each invoice’s due date and notifies you when an invoice is issued, when its due date is near, when it becomes overdue, when the grace period ends, and when ArkLinc confirms payment. These notices are a courtesy: not receiving one does not change a due date.

6. Unpaid invoices and pausing work

ArkLinc reserves the right to pause, suspend or temporarily withhold ongoing work and services when an invoice remains unpaid after its due date. In particular:

• this right applies even if you have initiated a payment, while the funds have not yet been received;
• the grace period in section 7 does not remove or waive this right, and work does not automatically continue during the grace period;
• work may remain paused until the outstanding amount, including any late payment penalty, has been settled;
• project delays, missed timelines or changes to delivery schedules that result from a payment-related pause are addressed under your engagement documents;
• work resumes after ArkLinc confirms the payment, subject to operational scheduling — the team may not be available to restart immediately.

ArkLinc will let you know when work is paused because of an unpaid invoice.

7. Grace period

Service invoices have a grace period of three (3) calendar days after the due date. No late payment penalty is charged during these three days.

• Calendar days are every day of the week, including Saturdays, Sundays, public holidays and bank holidays — not business days or banking days. Weekends and holidays do not pause the grace period or the penalty.
• The due date itself is not a grace-period day. The grace period begins on the calendar day immediately after the due date.

The grace period is not an extension of the payment terms or of the due date: an invoice not paid by its due date is overdue from the next day. The grace period only delays the start of the late payment penalty, and it does not prevent ArkLinc from pausing work (section 6).

It is separate from the grace period for failed software-product renewals described in section 10.

8. Late payment penalty

Payments must be received by ArkLinc on or before the stated invoice due date. Payments initiated but not yet credited to ArkLinc’s account are not considered received.

A grace period of three (3) calendar days applies after the payment due date. Following this period, a late-payment charge of 0.15% per day will accrue, subject to the applicable signed service agreement and governing law.

Accumulated late-payment charges will be added to your next invoice as a separate line item, together with a breakdown of the applicable charge.

If the engagement has ended or the invoice is the final invoice, any outstanding late-payment charges will be billed separately upon settlement of the overdue amount. No previously issued invoice will be modified to add these charges.

If applicable law limits late-payment charges, the charge will be limited to the maximum permitted by law.

The applicable late-payment terms are established in your signed service agreement.

• Daily charge = the invoice total due × 0.0015 (0.15%). If part of the invoice has been paid, the daily charge from the day after that payment is credited is based on the remaining balance (the new total due).
• Total charge = the sum of the daily charges for every chargeable calendar day: every calendar day after the grace period (weekends and holidays included, unless your signed agreement states otherwise) up to and including the day the payment is credited in full.
• The charge is simple: it is never compounded or calculated on earlier charges.
• Only funds credited to ArkLinc and verified stop the charge — initiating a payment, a transfer confirmation or proof of payment does not. A partial payment does not stop it; it reduces the balance the charge is calculated on.
• Invoices issued before November 2, 2026 keep the late-payment terms in force when they were issued.

9. Fees

Transaction, transfer, currency-conversion and payment-processing fees charged by Wise, your bank, card issuer or other payment provider are your responsibility. Please check the fees shown before you pay. ArkLinc credits the amount it receives after those fees.

10. Software products and subscriptions

Software products from the ArkLinc store and Product Workspace are billed separately from professional services. Subscription payments never add funds to your Service Wallet, and wallet funds are not used to pay for products.

• Prices and billing periods (one-time, monthly or yearly) are shown on each product’s plans before you buy. Free plans need no payment.
• Before a paid checkout, your account needs a saved payment method. You add it on the payment provider’s secure page; saving it does not charge you.
• You pay through the payment provider’s secure checkout. Your purchase or subscription becomes active only after the provider confirms that the payment succeeded. Returning to ArkLinc from the checkout page does not, on its own, confirm payment; until confirmation the purchase shows as pending.
• Subscriptions renew automatically at the end of each billing period, using your saved payment method, until you cancel.
• You can cancel a paid subscription in Product Workspace → Subscriptions. It ends at the end of the current billing period, and you keep access until then. Free plans end immediately when cancelled. One-time purchases cannot be cancelled after payment; contact us if there is a problem.
• If a renewal payment fails, your subscription shows “Payment failed — grace period” and access continues for a limited grace period (currently 7 days from the first failed payment) so you can update your payment method. If payment does not succeed in that time, access is suspended until it does. This product renewal grace period is separate from the service-invoice grace period in section 7.
• You can update your payment method and view product invoices through the billing portal in Product Workspace → Account and Billing.

11. Refunds, cancellations and corrections

• Service Wallet balance: funds in your wallet are held for ArkLinc services. If you want unused funds returned — for example when an engagement ends — contact us through the Help Center. ArkLinc reviews each request against your engagement documents and applicable law and tells you the outcome. Fees charged by payment providers for the original payment or a return transfer may not be recoverable.
• Service invoices: if you believe an invoice or wallet charge is wrong, contact us before paying or as soon as you notice. Where a correction is due, ArkLinc corrects the invoice or adjusts your wallet, and the adjustment appears in your Transaction History.
• Products: refund requests for product purchases and subscriptions are handled through the Help Center. Approved refunds are returned through the original payment provider. A fully refunded one-time purchase ends access to that product.

Engagement cancellations are handled under your engagement documents.

12. Reporting a payment problem

Contact us as soon as possible about:

• a payment that has not been credited after verification would normally be complete;
• a transfer sent without your top-up reference, or with the wrong amount;
• a duplicate payment or a payment of the wrong amount;
• a charge or invoice you do not recognize or believe is incorrect;
• a payment you did not authorize.

Please include: your top-up reference (ARK-…) or invoice number, the date, amount and currency, the Wise transfer number or other payment reference, and your receipt or other evidence.

If you believe a payment from your card or account was not authorized, also contact your bank or card issuer straight away. If you dispute a payment with your bank or card issuer, please let us know as well so we can help resolve it.

13. Getting help with payments

Signed-in clients and subscribers: open the Help Center and, under Contact Support, choose File a Ticket or Chat with Us with the category “Billing and Payments” or “Service Wallet”. You will be notified when we reply, and you can follow the case in the Help Center. Anyone else can reach us through our contact form.

ArkLinc will never ask you for your card security code, online-banking password or one-time bank codes. Do not send them in messages or support cases.

14. Changes to this policy

We may update this Payment Policy. The publication details are shown on this page. Where agreement is required — for example at a product checkout — we ask you to agree to the current version.