Payment Policy

1. Accepted payment methods

• Card & Klarna (international, USD): payments are processed securely by Stripe. On pay-in-full international checkouts you can pay by debit/credit card or use Klarna to spread the cost, where Klarna is available for your country.
• Card (instalments): where an instalment plan is offered, the first instalment is charged at checkout and your card is securely saved so the remaining instalments can be collected on schedule.
• Nigeria (₦): pay by card in Naira, or by direct bank transfer to our Nigerian account, confirming your payment as instructed. Klarna is not available for Naira payments.

We never see or store your full card details — card data is handled directly by Stripe, a PCI-DSS Level 1 certified payment provider.

2. Pricing and currency

• Prices are shown in US dollars (USD) for international learners and in Naira (₦) for learners in Nigeria. The currency you are charged in is shown at checkout.
• Your bank or card issuer may apply its own conversion, fees or taxes, which are outside our control.
• All prices are inclusive of any taxes we are required to charge unless stated otherwise at checkout.

3. Early-bird and late registration

Early-bird pricing applies until the published deadline for a cohort. After that date and time, pricing automatically moves to the late-registration price on all pages and at checkout. The price you pay is the price displayed at the time you complete payment.

4. Instalment plans

• Where an instalment plan is offered, you authorise UstackSchool (via Stripe) to charge the agreed instalment amount on the agreed schedule to your saved card.
• You remain responsible for the full programme fee. If an instalment fails, we may retry the charge and will contact you; continued non-payment may result in suspension of access until the balance is brought up to date.

5. Confirmation and enrolment

Your place is confirmed once your payment (or first instalment) has been received and we send you a confirmation. For Nigerian bank transfers, we reconcile payments and confirm by email, usually within a few working hours once we receive your payment evidence.

6. Failed, declined or abandoned payments

• If a payment is declined or you leave checkout before completing payment, no place is reserved and you will not be enrolled until payment succeeds.
• We may securely retain the details you entered so we can help you complete your enrolment or follow up about your abandoned checkout. You can ask us to delete this information at any time.

7. Refunds and cancellations

• Before a cohort starts: if you cancel before your Programme’s start date, you may request a refund. Where you have a statutory cooling-off right (for example, 14 days for consumers in the UK/EU), that right applies, except where you have asked us to begin the service and it has been fully performed within that period.
• After a Programme starts: because places are limited and preparation, materials and mentor time are committed once a cohort begins, fees are generally non-refundable after the start date. In genuine exceptional circumstances we may, at our discretion, offer a deferral to a future cohort or a partial credit.
• Deferrals and transfers: subject to availability and any administrative fee stated at the time, you may defer to a later cohort or transfer your place to another eligible person before the Programme starts.
• Approved refunds are made to the original payment method. Third-party fees (for example, Klarna, card, or bank-transfer charges) may be non-refundable.
• To request a refund, deferral or transfer, email hello@ustackschool.com with your name and order details.

8. Chargebacks

If you have a concern about a charge, please contact us first — most issues are resolved quickly. Raising a chargeback without first contacting us may lead to suspension of your access while the dispute is investigated.

9. Security and contact

Payments are processed over encrypted connections by Stripe. We do not store your card number, CVC or full payment credentials. Questions about a payment? Email hello@ustackschool.com.