Black Anchor Design Payment Terms

How to pay, when each payment is due, and what a rush project costs.

October 22, 2026


How to pay: Invoices are paid online through PayPal, available 24/7. We accept all major credit cards through PayPal or PayPal Pay Later. Small, Medium and Large Business packages (Captain, Vice Admiral, Fleet Admiral and Master Chief Diver) can also pay by ACH, with no card fee. We do not accept debit cards, personal checks, or commercial checks.


Financing: Black Anchor does not offer in-house financing or subscription websites with long-term monthly payments. PayPal's "Buy Now, Pay Later" is available at checkout as a third-party option.


Project payment structure


  • 10% holding deposit — Only required if you want to reserve a future spot on the schedule. If you're ready to start now, skip it and pay the 60% down payment at signing. The deposit is non-refundable and is credited toward your down payment. Holding deposits expire when the scheduled start month arrives.


  • 60% down payment — Due at contract signing (less any deposit already paid).


  • 25% mid-project — Due at the midpoint milestone defined in your contract.


  • 15% final — Due 7 days before launch.


Rush projects: A rush project means we reprioritize the schedule and work outside standard hours to hit a compressed deadline. A 50%-100% rush fee applies to the total project cost, and the full amount is due up front. "Rush is not available on The Fleet Admiral." No exceptions.


Discounts: Discounts over 15% require full upfront payment and cannot be combined with any other offer.


1:1 consultations: $220 per hour, billed at booking. Consultations are not taxable.


Taxes: Texas classifies web design and development as data processing. 80% of the project charge is subject to state and local sales tax (currently 8.25% in Fort Worth); 20% is exempt. Tax appears as a separate line on your invoice. Consultations are exempt.


Credit card surcharge: A 3% surcharge applies to credit card transactions and appears as a separate line on the invoice. Pay from a PayPal balance to avoid it.


Recurring payments: Ongoing account balances can be set to automatic monthly card payments. Hosting is billed annually and requires a recurring yearly payment.


Late payments: Payments are due on the date shown on the invoice. A late payment means we stop work until it clears and the schedule shifts accordingly. Each late payment carries a $150 fee. After three late payments on one project, Black Anchor may treat the project as abandoned and terminate it under the contract. Money paid to that point is retained per the Refund Policy.


Termination:


All payments are non-refundable once received.


Black Anchor may end this agreement immediately if the client:


  • Files a chargeback or payment dispute
  • Misses a payment
  • Goes unresponsive for more than 30 days
  • Blocks or refuses to cooperate with the contracted work
  • Uses abusive language, threats, or harassment
  • Breaks any other term of this agreement


If the agreement ends, the client receives all work completed through the termination date.


Scope changes: The signed contract defines the scope. Additions are quoted separately, and Black Anchor may accept or decline them. A copy of your contract is available on request.


Changes to this policy: Changes take effect when posted. The date at the top reflects the latest revision. Clients under an active contract are notified by email of any change that affects their agreement.


Governing law: This policy is governed by the laws of Texas. Disputes are subject to the exclusive jurisdiction of the courts of Tarrant County, Texas.