Payment Methods

GASPA MACCHINE, operated by GASPA S.R.L MACCHINE, accepts the following payment methods for all orders placed through the gaspa-macchine.com website. All listed methods are active, secure, and compliant with European payment services regulations (PSD2 Directive – EU 2015/2366).

GASPA MACCHINE accepts all credit and debit cards from the Visa network, including Visa Classic, Visa Gold, Visa Platinum, Visa Electron, and Visa Debit, issued by any banking institution belonging to the international Visa network.

• The payment is processed in real-time at the moment of order confirmation through the PCI DSS certified secure payment gateway.
• For Visa cards enabled for the Visa Secure (3D Secure 2.0) protocol, additional authentication may be required via banking app, SMS, or OTP code, in accordance with the PSD2 Directive.
• The full card number, CVV, and sensitive data do not pass through nor are they stored on GASPA MACCHINE's servers.
• In the event of a transaction rejection by the issuer, the order will not be processed, and the buyer must contact their bank or use an alternative payment method.

Visa cardholders automatically benefit from the Visa Zero Liability Policy, which protects against unauthorized or fraudulent transactions made with their card. In case of an unauthorized charge, the holder must contact their issuing bank immediately.

GASPA MACCHINE accepts all credit and debit cards from the Mastercard network, including Mastercard Standard, Gold, Platinum, World, World Elite, and Debit Mastercard, issued by any banking institution belonging to the international Mastercard network.

• The payment is processed in real-time via a PCI DSS certified secure gateway, with immediate debit upon order confirmation.
• Cards enabled for the Mastercard Identity Check (3D Secure 2.0) protocol require additional authentication via the bank's app, biometrics, or OTP, in line with the PSD2 Directive.
• Card data is not stored on GASPA MACCHINE's systems.
• In the event of a rejected transaction, the order will not be confirmed. It is recommended to check credit availability or online spending limits set by your bank.

Mastercard cardholders benefit from Mastercard Zero Liability Protection, which guarantees the refund of any unauthorized transactions made with the card. In case of suspicious charges, the holder must contact the issuing bank immediately.

GASPA MACCHINE accepts American Express (Amex) credit cards, including Green, Gold, Platinum, and Blue versions, issued by American Express Company or authorized partner banks.

• The payment is processed in real-time via the American Express secure gateway, with immediate debit at the time of order confirmation.
• The American Express SafeKey system (3D Secure protocol) may require additional verification of the holder's identity before completing the transaction.
• Sensitive card data is not stored on GASPA MACCHINE's systems.
• Any fees applied by American Express for international transactions are the sole responsibility of the cardholder.

American Express cardholders benefit from American Express Purchase Protection and advanced anti-fraud protection, which guarantees the refund of unauthorized transactions. In case of a disputed purchase, the holder can initiate a chargeback procedure directly with American Express.

GASPA MACCHINE accepts payments via PayPal, the most widely used digital payment system worldwide, operated by PayPal Holdings Inc. Payment via PayPal is available for all countries to which GASPA MACCHINE ships.

• Secure redirection At the time of payment, the buyer is automatically redirected to the secure PayPal platform. GASPA MACCHINE does not see or receive PayPal account login credentials or linked banking information.
• Access and authorization The buyer logs into their PayPal account and authorizes the payment. It is possible to pay with the available PayPal balance or with a credit card, debit card, or bank account linked to the PayPal account.
• Immediate confirmation The transaction is confirmed in real-time. GASPA MACCHINE receives the authorized payment notification from PayPal and proceeds to process the order.

Purchases made through PayPal are covered by PayPal Buyer Protection, which guarantees a full refund of the product price and original shipping costs in the following cases:

• The purchased item was not received.
• The item received is significantly different from the description.

GASPA MACCHINE accepts payments via direct bank transfer (SEPA Credit Transfer for SEPA Area countries, or SWIFT international transfer for Switzerland). This method is particularly suitable for high-value purchases, which is typical for the agricultural and construction machinery sold by GASPA MACCHINE.

• Step 1 – Method selection During the checkout phase, select "Bank Transfer" as the payment method and complete the order procedure by clicking on "Place order".
• Step 2 – Receipt of bank details After order confirmation, the buyer receives via email the complete bank details of GASPA S.R.L MACCHINE (IBAN, BIC/SWIFT, account holder, and reference to be indicated). The machine is temporarily reserved pending payment.
• Step 3 – Execution of the transfer (within 3 business days) The buyer must make the transfer within 3 business days of receiving the bank details, mandatory indicating the order number in the payment reference. In case of non-payment within the deadline, the order will be automatically cancelled.
• Step 4 – Credit and order processing The order is processed and the machine prepared for shipping only after the actual credit of the payment to the account of GASPA S.R.L MACCHINE, which generally occurs within 1–3 business days from the execution of the SEPA transfer, or within 2–5 days for international SWIFT transfers.

• Bank fees applied by the buyer's bank for the execution of the transfer (especially for international SWIFT transfers to Switzerland) are the sole responsibility of the buyer.
• The buyer must indicate the full order number in the transfer reference to allow for correct identification of the payment. Payments without an identifying reference may result in delays in order processing.
• GASPA MACCHINE is not responsible for bank credit times, which depend on the banking institutions involved and SEPA/SWIFT procedures.

All prices published on the gaspa-macchine.com website are expressed in Euro (€, EUR), which is the official currency of GASPA S.R.L MACCHINE and all EU countries to which GASPA MACCHINE ships (with the exception of Poland and Romania, which, while belonging to the EU, maintain their own national currencies – PLN and RON). All payments must be made exclusively in Euro.

• Poland (PLN): buyers residing in Poland pay in Euro. Any conversion from PLN to EUR is managed by the buyer's bank or payment provider, which applies the exchange rate in effect at the time of the transaction. Any exchange fees are the responsibility of the buyer.
• Romania (RON): same regime as Poland. Payment is made in Euro; the conversion from RON to EUR and related fees are the responsibility of the buyer.
• Switzerland (CHF): buyers residing in Switzerland pay in Euro. The conversion from CHF to EUR, bank fees, and any import customs duties in Switzerland are the sole responsibility of the buyer.

Payment security is an absolute priority for GASPA MACCHINE. The gaspa-macchine.com website adopts the most advanced technical and organizational measures in the industry to protect every transaction and the personal data of buyers, in full compliance with Art. 32 of the GDPR (EU Regulation 2016/679) and PCI DSS standards.

GASPA MACCHINE never sends emails, SMS, or messages requesting the entry of payment data, bank credentials, or passwords outside of the official gaspa-macchine.com website. In case of receiving suspicious communications pretending to come from GASPA MACCHINE, please:

• Do not click on any links present in the suspicious message.
• Do not enter personal, bank, or payment card data.
• Immediately report the message to info@gaspa-macchine.com.

The payment procedure varies slightly based on the chosen method. The following table summarizes the processing times and conditions applicable to each method accepted by GASPA MACCHINE.

The order is considered confirmed and the sales contract is finalized exclusively when the following conditions are jointly met:

• The payment has been authorized by the card issuer (for card payments) or the transaction has been validated by PayPal (for PayPal payments), or the bank transfer has been actually credited to the account of GASPA S.R.L MACCHINE
• GASPA MACCHINE has verified the availability of the machine and has issued the shipping confirmation with a tracking number.

Upon confirmation of payment, the buyer receives an order confirmation email at the address provided during the purchase phase. This email includes: order number, summary of the purchased product, total amount paid, payment method used, and delivery address. It is recommended to keep this email as proof of purchase.

If within 30 minutes of completing the payment you do not receive the confirmation email, it is recommended to check your spam/junk folder. In case of non-receipt, contact GASPA MACCHINE at info@gaspa-macchine.com indicating the order number and the payment method used.

GASPA S.R.L MACCHINE is required by law to issue a regular tax document for every sale made, pursuant to DPR 633/1972 (VAT Law) and Legislative Decree 127/2015 (electronic invoicing). Tax documentation is sent electronically to the email address indicated during the order phase.

• Electronic invoice (B2B Italy): for Italian buyers with a VAT number, the invoice is issued in XML format and transmitted through the Exchange System (SDI) of the Revenue Agency, pursuant to the electronic invoicing obligation in force in Italy since 2019.
• Invoice in PDF format (B2C and international B2B): for Italian private consumers and for buyers residing outside of Italy, a receipt or invoice in PDF format is issued and sent via email.
• Intra-community invoice (B2B EU): for intra-community supplies to EU VAT subjects with a valid community VAT number, the invoice is issued exempt from VAT pursuant to Art. 41 of D.L. 331/1993.
• Commercial document (Switzerland): for exports to Switzerland (non-EU country), a commercial invoice is issued with an indication of the customs value, necessary for Swiss customs clearance procedures.

Buyers who require specific indications on the invoice (e.g., SDI recipient code, PEC for electronic invoice, company VAT number, tax code) must communicate this information before order confirmation to info@gaspa-macchine.com. It is not possible to modify the tax data of an invoice already issued except within the limits provided by current tax legislation.

The VAT treatment applicable to GASPA MACCHINE sales varies based on the nature of the buyer (private consumer or VAT subject) and the country of destination of the goods. The following table summarizes the tax regime applied for each shipping country.

GASPA MACCHINE reserves the right not to process, suspend, or cancel an order in the following cases related to payment:

• The credit or debit card transaction was rejected by the issuing institution for any reason (insufficient balance, limit exceeded, expired card, anti-fraud block).
• Payment via PayPal was not authorized or was cancelled before the transaction was completed.
• The bank transfer was not received within 3 business days of the order confirmation date.
• The bank transfer received is for an amount less than the order total or does not include the identifying reference necessary for attribution to the correct order.

If the transaction is not successful, the buyer is invited to:

• Check the availability of funds or the online spending limit of the card with their bank.
• Contact GASPA MACCHINE at info@gaspa-macchine.com to restore the order and proceed with an alternative payment method.
• Verify the availability of the machine before proceeding with a new payment attempt, as in case of cancellation the machine may be made available to other buyers again.

GASPA MACCHINE adopts active fraud prevention procedures to protect both its buyers and its business activity. In compliance with applicable Italian and European regulations, GASPA MACCHINE may adopt the following measures:

• Identity verification: for high-value orders or in the presence of risk indicators, GASPA MACCHINE may request the buyer to provide a copy of a valid identity document or other verification elements, pursuant to Legislative Decree 231/2007 (Anti-Money Laundering).
• Address verification: GASPA MACCHINE may verify the correspondence between the billing address provided and the one registered with the card issuing bank (AVS system).
• Order suspension: in case of suspicious activity, the order may be suspended until verification. The buyer will be contacted via email within 2 business days for the necessary information.
• Reporting to authorities: fraudulent transactions will be reported to the competent authorities (Italian Postal Police) and international e-commerce fraud prevention bodies.

Refunds are processed by GASPA MACCHINE in the cases provided for by the Return and Refund Policy, by the exercise of the right of withdrawal by consumers, and in cases of non-conformity of the machine. For full details, please consult the Return and Refund Policy.

Should a buyer believe they have suffered an unauthorized or disputed transaction, it is recommended to contact GASPA MACCHINE first at info@gaspa-macchine.com for a quick and direct resolution, before initiating a chargeback procedure with their bank or payment provider. Prior communication with GASPA MACCHINE often allows the problem to be resolved more quickly than formal banking procedures.

In accordance with EU Directive 2015/2366 (PSD2) on payment services, transposed in Italy by Legislative Decree 218/2017, and the Regulatory Technical Standards (RTS) issued by the European Banking Authority (EBA), since January 1, 2021, Strong Customer Authentication (SCA) has been mandatory for all electronic payments in the European Union.

SCA is a process for verifying the identity of the payer that combines at least two of the following three elements:

• Something you know (e.g., PIN, password).
• Something you have (e.g., smartphone, physical token).
• Something you are (e.g., fingerprint, facial recognition).

• For Visa cards: the Visa Secure (3D Secure 2.0) system may request confirmation via your bank's app, an OTP code via SMS, or biometrics.
• For Mastercard cards: the Mastercard Identity Check system may require additional authentication via the banking app.
• For American Express cards: the SafeKey system may require additional verification.
• For PayPal: PayPal independently manages SCA authentication within its own platform.
• For bank transfers: authentication is managed directly by the buyer's bank through its own access system.

Regarding payments and electronic transactions, every country to which GASPA MACCHINE ships provides specific protections for consumers. The main applicable provisions regarding payments are listed below.

In Italy, electronic payments are governed by Legislative Decree 218/2017 (PSD2), by Bank of Italy Resolution no. 18/2020 on SCA technical regulatory standards, and by Legislative Decree 206/2005 (Consumer Code). Italian consumers have the right to a full refund in the event of an unauthorized transaction (within 13 months from the date of the charge) and may submit a complaint to the Arbitro Bancario Finanziario (ABF) for payment-related disputes.

In Austria, payment rights are governed by the Zahlungsdienstegesetz 2018 (ZaDiG 2018), which transposes PSD2. Consumers can contact the Finanzmarktaufsicht (FMA) to report violations or the Arbeiterkammer for consumer disputes related to payments.

In France, PSD2 is transposed into Ordonnance n. 2017-1252. Consumers have the right to a refund within 1 working day for unauthorized transactions. For payment disputes, they can contact the médiateur de l'Autorité de contrôle prudentiel et de résolution (ACPR).

In Germany, payment services are governed by the Zahlungsdiensteaufsichtsgesetz (ZAG) and the Bürgerliches Gesetzbuch (BGB), arts. 675c–676c. The consumer has the right to an immediate refund in the event of an unauthorized transaction. For disputes, the Bundesverband deutscher Banken – Ombudsstelle or the Schlichtungsstelle der Deutschen Bundesbank is available.

In the Netherlands, PSD2 is transposed into the Wet op het financieel toezicht (Wft). The supervisory authority is De Nederlandsche Bank (DNB). For payment-related disputes, consumers can contact Kifid (Klachteninstituut Financiële Dienstverlening).

In Spain, PSD2 is transposed into Real Decreto-Ley 19/2018. The Banco de España is the competent supervisory body. Consumers can submit complaints to the Servicio de Reclamaciones del Banco de España for disputes related to electronic payments.

In countries that have transposed PSD2 (Poland: Ustawa o usługach płatniczych; Romania: Legea nr. 209/2019; Finland: Maksupalvelulaki), consumers benefit from the same fundamental rights regarding strong authentication, refunds for unauthorized transactions, and fee transparency provided at the European level.

Switzerland is not subject to PSD2. Electronic payments are governed by the Federal Act on Financial Services (FinSA) and the supervision of FINMA (Swiss Financial Market Supervisory Authority). Swiss consumers who encounter problems with payments can contact the Swiss Banking Ombudsman.