Payment Method

All transactions processed through the Equatorial Monetary Exchange (EME).

Equatorial Credits (EQC) Recommended

Pay with Equatorial Credits, the official currency of the Equatorial Audio Ecosystem.

Current exchange rate: 1 EQC = $1.00 USD (rate fluctuates with solar declination angle; pegged at equinox)

During solstice periods, exchange rate may deviate up to ±23.4% per the International Equatorial Banking Standard (IEBS) §4.7.

Hemispheric Wire Transfer

Direct bank transfer through the Equatorial Clearing House.

Processing time: 3–5 business days (equatorial banking days only — excludes solstice bank holidays).

15% non-equatorial bank surcharge applies if your bank is headquartered above ±5° latitude.

Solar Flare Financing Variable APR

Split your purchase into 12 equatorial monthly installments.

Current APR: 24.7% (adjusts in real-time with the planetary Kp index)

APR may exceed 400% during G3+ geomagnetic storms. Borrower agrees to indemnify Equatorial Audio against all solar-induced rate fluctuations. See NOAA Space Weather Prediction Center for current conditions.

Minimum payment: the greater of $25 or 2% of outstanding balance, recalculated each sidereal month.

Standard Credit Card Unavailable

Visa, Mastercard, American Express, or Discover.

Visa/Mastercard processing systems are currently down due to a geomagnetic interference event affecting the Equatorial Payment Gateway.

Please check back later or select another payment method. Our engineers are recalibrating the magnetic shielding on the transaction servers. Estimated restoration: next solar minimum.

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