• 0 points: I am being asked to pay before receiving an identifiable order agreement or clear payment terms.
  • 1 point: The deposit is stated, but cancellation, changes, balance payment or payment-provider protections remain unclear.
  • 2 points: I have the contracting business and verified payment instructions, an itemized order, deposit and balance milestones, cancellation/change terms and written commitments. I have checked the payment provider’s relevant overseas custom-order dispute procedures and deadlines.

Next evidence to obtain: Save the accepted quotation, policy version, correspondence and payment receipt together. Resolve conflicting terms before paying.

Do not treat a credit card as a fit guarantee. The CFPB advises contacting the seller first and explains that disputes, billing errors and rights concerning unpaid balances have different conditions. Ask your issuer about your specific transaction rather than assuming all remedies apply abroad. (consumerfinance.gov)