Effective date: 3 July 2026
This Payment Policy explains how payments work on https://toraasset.com (the “Site”), operated by QUBIRA LIMITED (company number 17232183), trading as “toraasset” (“we”, “us”, “our”). It should be read together with our Terms of Use, Privacy Policy and Refund and Return Policy.
1. Merchant of record
The merchant of record for every order placed on the Site is QUBIRA LIMITED. Charges will appear on your card or bank statement under a billing descriptor referencing toraasset / QUBIRA LIMITED. If you do not recognise a charge, contact us at info@toraasset.com before contacting your bank so we can identify the order for you.
2. Accepted payment methods and currency
We accept Visa and Mastercard credit and debit cards. All prices on the Site are quoted and charged in Euros (EUR) unless otherwise stated at the point of sale. All purchases are one-off payments for the selected digital files — we do not operate subscriptions and we do not store your card to bill you again automatically.
3. How the payment process works
Payment happens in a clear, step-by-step flow. You enter your card details only on our payment processor’s secure page, never on an ordinary Site page:
- Add the PBR materials, HDRI environments or 3D bundles you want to your cart and open Checkout.
- Enter your billing details and place the order. This creates your order and shows an order number.
- You are then automatically redirected to a secure payment page hosted by our PCI-DSS-compliant payment processor. This is where you enter your card number, expiry date and security code.
- If your bank requires it, you complete a 3-D Secure 2 (Strong Customer Authentication) step — for example a one-time code or an approval in your banking app.
- On success you are returned to our confirmation page, your order is marked as paid, and your files become available immediately in your account.
If for any reason you are not redirected, or you close the payment page before finishing, your order is kept as unpaid and you can complete payment later using the “Complete your payment” link in your order email or the Pay button next to the order in your account.
4. When you are charged
Your card is charged once, at the moment you confirm the payment on the processor’s secure page. There are no recurring charges, no membership fees and no hidden costs. The amount charged is the order total shown at checkout.
5. Card data security and PCI DSS
Card payments are handled by acquiring banks and payment service providers certified to the Payment Card Industry Data Security Standard (PCI DSS). We do not store, process or transmit full cardholder data on our own servers. Your card details are entered directly into the processor’s hosted payment page; we receive only a transaction reference, the last four digits of the card, the card scheme and the billing country. All card transactions are protected by 3-D Secure 2. See our Privacy Policy for how we handle the limited payment data we do receive.
6. Currency conversion
If your card is denominated in a currency other than EUR, the final amount debited is converted by your card issuer at their prevailing exchange rate. Any foreign-currency or cross-border fees are applied by your issuer, are outside our control, and are not collected or refundable by us.
7. Digital products — instant access
All products on the Site are digital files. There is no physical dispatch. Once your payment is confirmed, your files are available for immediate download from your account, and a confirmation is sent to your account email address.
8. Invoices and receipts
An order confirmation and invoice are sent to the email address on your order once payment is recorded. Your full order history and invoices are also available at any time in the My Account area. If you have not received your confirmation, check your spam folder and then contact info@toraasset.com.
9. Failed or declined payments
If a payment is declined or not completed, your order remains unpaid and no files are released. You can retry payment from the order email or from My Account. Common reasons for a decline include insufficient funds, an incorrect security code, an expired card, or your bank blocking a cross-border transaction — in most cases contacting your bank resolves it.
10. Refunds and chargebacks
Refund eligibility for digital files is set out in our Refund and Return Policy. If you believe a charge is wrong, please contact us at info@toraasset.com before initiating a chargeback and allow us up to seven (7) business days to resolve it. This is almost always faster than a bank dispute, and it lets us correct genuine errors immediately.
11. Contact
QUBIRA LIMITED
Studio No. 29, 264 Lavender Hill, London, England, SW11 1LJ
Company number: 17232183
info@toraasset.com · +44 7893 926809