Payment Terms
Donations HajiQPay ke zariye safe tarike se kaise process hoti hain, hamara faith-aligned payment infrastructure.
Last updated: February 28, 2026
Payment Processing Overview
AmalQ tamam donations securely process karne ke liye HajiQPay use karta hai, hamara Islamic-compliant payment infrastructure jo Stripe par bana hai. Ye Payment Terms explain karti hain ke payments kaise process hote hain, kaunsi fees apply hoti hain, aur aapki financial information kaise protected hai. AmalQ ke zariye donations de kar ya receive kar ke aap in terms se agree karte hain.
Payment Processor aur Infrastructure
AmalQ par tamam payment processing HajiQPay handle karta hai, jo Stripe ke industry-leading payment infrastructure par powered hai.
HajiQPay
HajiQPay AmalQ ki dedicated payment processing layer hai, jo Islamic compliance built-in ke saath charitable donations handle karne ke liye design ki gayi hai. Ye Stripe ke certified payment infrastructure par operate karti hai.
Stripe Integration
Stripe ek PCI DSS Level 1 certified payment processor hai. Aapka payment data directly Stripe handle karta hai aur kabhi AmalQ ke servers ko touch nahi karta.
PCI Compliance
Tamam payment processing Payment Card Industry Data Security Standard (PCI DSS) Level 1 requirements meet karti hai, jo security certification ka highest level hai.
Islamic Compliance
Hamari payment processing interest (Riba) se bachne aur tamam transactions ko Islamic financial principles ke mutabiq banane ke liye structured hai.
Accepted Payment Methods
AmalQ duniya bhar ke donors ke liye charitable giving accessible banane ke liye multiple payment methods accept karta hai.
Credit aur Debit Cards
Visa, Mastercard, American Express aur Discover cards accept kiye jaate hain. Card details Stripe ki taraf se encrypted aur securely stored hoti hain.
Bank Transfers
Supported regions mein direct bank transfers available hain. Processing time bank aur country ke mutabiq vary karta hai.
Digital Wallets
Apple Pay, Google Pay aur doosre compatible digital wallets jahan available hon wahan supported hain.
Recurring Donations
Automatic monthly donations set up karo jinhe aap apne dashboard se kisi bhi waqt modify ya cancel kar sakte hain.
Fee Structure aur Transparency
AmalQ complete fee transparency ke liye committed hai. Har fee aapki donation confirm karne se pehle disclosed hoti hai.
Platform Fee
AmalQ operations sustain karne, Islamic compliance reviews aur platform development ke liye ek minimal platform fee charge karta hai. Exact percentage donation page par shown hota hai.
Payment Processing Fee
Standard payment processing fees Stripe charge karta hai. Ye fees payment method aur country ke mutabiq vary hoti hain aur donation confirmation se pehle disclosed hoti hain.
Cover Fees Option
Donors ke paas processing fees cover karne ka option hai taake unki intended donation amount ka 100% campaign tak pohunche.
No Hidden Fees
Koi hidden fees, surcharges ya additional costs nahi hain. Total charged amount hamesha payment confirmation se pehle displayed hota hai.
Fee Islamic Review
Hamari fee structure ka Islamic scholars ne review kiya hai taake ye ensure ho ke ye prohibited interest (Riba) ya exploitative pricing nahi hai.
Currency aur International Payments
AmalQ transparent currency handling ke saath international donations support karta hai.
Supported Currencies
Donations multiple currencies mein ki ja sakti hain including USD, GBP, EUR aur Stripe ki supported doosri currencies.
Currency Conversion
Jab campaign ki base currency se different currency mein donate kiya jaye to Stripe competitive market rates par conversion handle karta hai.
Exchange Rate Transparency
Exchange rates transaction processing ke waqt determine hoti hain. AmalQ exchange rates par koi markup nahi lagata.
Disbursement Currency
Campaign creators ko unki local currency mein funds milte hain. Conversion fees platform bear karta hai, campaign creator nahi.
Payment Security aur Fraud Protection
Hum apne platform par har transaction protect karne ke liye multiple layers of security implement karte hain.
End-to-End Encryption
Tamam payment data transmission ke dauraan TLS 1.2+ use kar ke encrypted hota hai. Card details Stripe tokenize karta hai aur kabhi AmalQ servers par stored nahi hoti.
Fraud Detection
Stripe Radar se powered advanced fraud detection systems har transaction ka real time mein analysis karte hain fraudulent activity identify aur prevent karne ke liye.
Two-Factor Authentication
Campaign creators ko fund disbursements receive karne ke liye two-factor authentication enable karna zaruri hai, jo security ki ek extra layer add karta hai.
Transaction Monitoring
Tamam transactions suspicious patterns ke liye monitor kiye jaate hain. Unusual activity automatic holds aur manual review trigger karti hai.
Payment Data Protection
Payment information Stripe ke PCI-compliant vault mein stored hai. AmalQ staff full card numbers ya bank details access nahi kar sakta.
Chargebacks aur Disputes
Hamare paas payment disputes aur chargebacks handle karne ka clear process hai.
Donor-Initiated Disputes
Agar donor apne bank ke saath charge dispute karta hai to AmalQ transaction investigate karega aur supporting documentation ke saath dispute ka jawab dega.
Chargeback Impact
Chargebacks ke natije mein dispute resolve hone tak campaign disbursements par temporary hold lag sakti hai. Campaign creators ko fori taur par notify kiya jayega.
Dispute Prevention
Clear donation receipts, transparent campaign descriptions aur responsive customer support chargebacks prevent karne mein madad karte hain.
Resolution Process
Zyada tar disputes 30 se 60 din mein resolve ho jaate hain. AmalQ fair resolution tak pohunchne ke liye Stripe aur donor ke bank ke saath directly kaam karta hai.
Campaign Creators Ke Liye Payout Terms
Campaign creators ko Stripe Connect se powered hamare secure payout system ke zariye funds milte hain.
Payout Schedule
Standard payouts applicable holding period ke baad rolling basis par process hote hain. Schedule aapke campaign dashboard mein displayed hota hai.
Payout Methods
Payouts aapke Stripe Connect account se linked verified bank account mein kiye jaate hain. Select regions mein alternative payout methods available ho sakte hain.
Identity Verification
Stripe Connect ko payouts process hone se pehle identity verification zaruri hai. Ismein government ID, address proof aur bank account verification shamil hai.
Minimum Payout
Payouts trigger hone se pehle ek minimum balance threshold apply ho sakta hai. Ye threshold currency aur region ke mutabiq vary karta hai.
Payments Ke Baare Mein Sawaal?
Hamari payments team donations, fees, payouts ya payment security ke baare mein kisi bhi sawaal mein madad ke liye mojood hai. Hum transparent aur secure payment processing ke liye committed hain.
legal@amalq.org
Hum aam taur par 24 ghanton mein jawab dete hain