Payment Policy

Effective Date: October 07, 2025

This Payment Policy outlines the payment terms, methods, and procedures for BCL-El Parcero Painting services. By engaging our services, you agree to these payment terms.

Payment Methods Accepted

We offer multiple convenient payment options to meet your needs:

Online Payments (Preferred)

  • Credit Cards: Visa, MasterCard, American Express, Discover
  • Debit Cards: All major debit cards with Visa/MasterCard logos
  • Bank Transfers: ACH transfers through our secure payment system
  • Processed through: Stripe (PCI DSS compliant, secure payment processing)

Traditional Payments

  • Cash: Accepted for all project sizes
  • Personal Checks: Accepted (must clear before project completion)
  • Business Checks: Accepted from established businesses
  • Money Orders: Accepted from any issuer

Payment Plans

  • Available for qualifying projects over $2,500
  • Subject to approval and terms agreement
  • Interest may apply based on terms

Payment Schedule by Project Size

Small Projects (Under $1,000)

  • Payment Due: Upon completion
  • Methods: Any accepted payment method
  • Terms: Net 0 (payment due immediately upon completion)

Medium Projects ($1,000 - $5,000)

  • Initial Deposit: 50% of total project cost
  • Final Payment: Remaining 50% upon completion
  • Deposit Due: Upon contract signing/project scheduling
  • Final Payment Due: Immediately upon completion

Large Projects (Over $5,000)

  • Initial Deposit: 30% of total project cost
  • Progress Payments: As outlined in contract (typically at 50% and 80% completion)
  • Final Payment: Remaining balance upon completion
  • Payment Schedule: Customized based on project scope and duration

Deposit and Payment Terms

Deposits

  • Purpose: Secure scheduling and cover initial material costs
  • When Required: All projects over $1,000
  • Payment Methods: Any accepted method
  • Refund Policy: Refundable if we cancel; subject to terms if customer cancels

Final Payments

  • Due: Immediately upon project completion and customer acceptance
  • Inspection Period: Customer has 24 hours to identify any issues
  • Completion Definition: All work completed according to contract specifications

Online Payment Security

Stripe Payment Processing

We use Stripe for secure online payments, providing:

  • PCI DSS Level 1 Compliance - the highest level of security certification
  • SSL Encryption - all payment data is encrypted in transit
  • Fraud Protection - advanced fraud detection and prevention
  • No Stored Payment Data - we never store your payment information

Your Payment Information

  • Privacy: We never see or store your complete payment details
  • Security: All payment processing occurs on Stripe’s secure servers
  • Receipts: Automatic email receipts for all online transactions
  • Disputes: Handled through Stripe’s secure dispute resolution process

Payment Plans and Financing

Available for Qualifying Projects

  • Minimum Project Size: $2,500
  • Credit Requirements: Subject to approval
  • Terms Available: 3, 6, or 12 months
  • Interest Rates: Vary based on terms and approval

Application Process

  1. Complete payment plan application
  2. Credit assessment (soft inquiry initially)
  3. Terms approval and agreement
  4. Project scheduling upon approval

Payment Plan Terms

  • Monthly Payments: Automatic debit or online payments
  • Late Fees: $25 for payments more than 10 days late
  • Early Payment: No penalties for early payment or payoff

Late Payment Policy

Payment Due Dates

  • Project Completion Payments: Due immediately upon completion
  • Payment Plan Installments: Due on agreed monthly dates
  • Grace Period: 5 days for completion payments, none for installments

Late Payment Fees

  • Completion Payments: 1.5% per month on overdue balance
  • Payment Plans: $25 late fee plus 1.5% monthly interest
  • Collections: Customer responsible for collection costs and reasonable attorney fees

Service Suspension

  • Ongoing Projects: May be suspended for non-payment
  • Future Services: May be declined until payment is current
  • Lien Rights: We reserve the right to file mechanics’ liens when appropriate

Refund and Dispute Policy

Deposit Refunds

  • Our Cancellation: Full refund within 3-5 business days
  • Customer Cancellation (before work begins): Full refund minus $50 administrative fee
  • Customer Cancellation (after work begins): Refund minus completed work and materials

Payment Disputes

  1. Contact Us First: Email info@bcl-elparceropainting.com or call (404) 555-0123
  2. Documentation: Provide specific details about the dispute
  3. Investigation: We’ll investigate and respond within 2 business days
  4. Resolution: Work together to reach a fair resolution
  5. Escalation: If unresolved, disputes may be handled through payment processor or legal channels

Chargeback Policy

  • Preferred Resolution: Contact us directly before initiating chargebacks
  • Documentation: Chargebacks will be contested with project documentation
  • Service Suspension: Services may be suspended during chargeback disputes

Special Circumstances

Weather Delays

  • No Additional Charges: Weather delays do not affect pricing
  • Payment Schedule: May be adjusted for significant delays
  • Communication: We’ll keep you informed of weather-related impacts

Change Orders

  • Additional Work: Requires written approval and payment terms
  • Payment: Due according to project size guidelines above
  • Integration: May be integrated into existing payment schedule

Material Price Changes

  • Quote Validity: Quotes valid for 30 days
  • Price Increases: Significant material price increases may require quote updates
  • Customer Approval: Required for any price changes before work begins

Tax Information

Sales Tax

  • Georgia Sales Tax: Applied to all material costs as required by law
  • Labor: Generally not subject to sales tax in Georgia
  • Documentation: Detailed on all invoices and receipts

Tax Documentation

  • Receipts: Provided for all payments
  • Year-End Statements: Available upon request
  • Business Expenses: Our services may qualify as tax-deductible business expenses

International and Out-of-State Payments

Payment Processing

  • All Major Cards: Accepted regardless of issuing location
  • Currency: All transactions in US Dollars (USD)
  • Exchange Rates: Handled by your card issuer

Service Limitations

  • Service Area: Limited to Atlanta metro area
  • Remote Projects: Special arrangements required for distant locations

Customer Support

For payment-related questions or issues:

Contact Information

  • Email: info@bcl-elparceropainting.com
  • Phone: (404) 555-0123
  • Business Hours: Monday-Friday 7:00 AM - 7:00 PM, Saturday 8:00 AM - 5:00 PM

Response Times

  • Payment Issues: Within 4 hours during business hours
  • Dispute Resolution: Within 2 business days
  • Refund Processing: 3-5 business days

Policy Updates

Modification Rights

  • We reserve the right to update this Payment Policy
  • Changes will be posted on our website
  • Existing contracts remain under original payment terms

Notification

  • Significant Changes: Email notification when possible
  • Effective Date: Changes effective immediately upon posting
  • Review: Customers should review periodically

Quick Payment Reference

Small Projects

Under $1,000

Deposit: None required

Payment: 100% on completion

Methods: All accepted

Medium Projects

$1,000 - $5,000

Deposit: 50% upfront

Final: 50% on completion

Methods: All accepted

Large Projects

Over $5,000

Deposit: 30% upfront

Payments: Progress + final

Methods: All accepted

Questions about payments? Contact us at (404) 555-0123 or info@bcl-elparceropainting.com

Last Updated: October 07, 2025

This Payment Policy is governed by Georgia state law and complies with applicable consumer protection regulations.