Legal

Payment Method Rules

Table of contents

ALIPAY+

These AliPay+ Payment Method Rules apply if you elect to offer payment methods supported by AliPay+ to your customers via Checkout.com.

Acceptance Marks means the Alipay+ Brand Mark and (if applicable) the Mobile Payment Partners’ trade marks identified by Alipay+ to indicate the acceptance of Mobile Payment Partner Products.

AliPay+ means Alipay Connect Pte. Ltd. and all of its affiliates that operate Alipay+ Core, including its and their successors and assigns.

AliPay+ Brand Mark means a mark, including word, name, logo, design, symbol and trademark, that represents Alipay+ and its products and services.

AliPay+ Core means the systems and services through which Alipay+ deliver electronic payment processing, clearing and settlement services to its partners, including Checkout.com.

AliPay+ Services means the transaction processing and clearing services as well as fund settlement services, technical consultancy and technical support services provided by AliPay+ to its partners, including Checkout.com.

Auto Debit is an online payment product provided by Alipay+, whereby a customer enters into an automatic debit agreement with a merchant in order to enjoy automatic payment for subsequent transactions.

Mobile Payment Partner means a payment service provider that has entered into an agreement with AliPay+ whereby it issues Mobile Payment Partner Products to customers, enters into an agreement with a customer, or processes a transaction for a customer.

Mobile Payment Partner Products means products offered by Mobile Payment Partners to customers to enable customers to discharge payment obligations to merchants through the use of, or in reliance on, the AliPay+ Services.

1. Subject to compliance with applicable laws, you shall not decline to accept any available Mobile Payment Partner Products.

2. You shall comply with applicable data retention laws and retain all data stored, processed or created by you or on your behalf, including transaction data and documents, for at least five (5) years after the relevant transaction, or such longer period as may be required by law.

3. You may only initiate refunds for an AliPay+ transaction within twelve (12) months after the transaction date.

4. Where you request to activate an Auto Debit agreement, you must:

(a) fully inform the customer of the terms and conditions of the Auto Debit transaction, including the validity period and the scope of such product;

(b) give the customer an option whether to activate the Auto Debit agreement; and

You must also provide customers with customer-friendly means to terminate the Auto Debit agreement and submit an Auto Debit cancellation request via Checkout.com to Alipay+ Core and cease to collect payments from the customer upon termination of the Auto Debit agreement.

5. You must only submit Auto Debit deduction requests in line with the customer’s authorisation.

6. You understand that Mobile Payment Partners may initiate transaction-related disputes, including requests for information or refunds, through AliPay+ Core, and that Checkout.com is obligated to respond to the dispute. You agree to cooperate with Checkout.com’s such efforts.

7. You must implement procedures and written policies to protect your customers’ accounts from unauthorised access, and promptly notify Checkout.com of any unauthorised access to such customer accounts.

8. You must not submit any AliPay+ transaction with respect to any goods or services in the following categories:

(a) adult goods or services;

(b) gambling or lottery services;

(d) any type of weapon;

(e) goods or services that infringe privacy or property;

(f) financial products or services, including money transmission services and cryptocurrency;

(g) biochemically infectious product;

(h) goods or services that endanger national security or contain discriminatory content including in relation to race, gender, religion or region;

(i) generic or pseudo pharmaceutical, anaesthetic or psychotropic medicine, narcotic or surrogacy services; and

(j) any goods or services that are illegal or prohibited in the jurisdiction where you or your customer are based.

9. You shall not make any press release or public announcement about AliPay+, the AliPay+ Service, AliPay+ Core, or your business relationship with AliPay+ (including transaction numbers or amounts, corridor performance, business growth or plans), or otherwise publicly disclose such information without AliPay+’s prior written consent.

10. AliPay+ is the exclusive owner of the AliPay+ Brand Mark. You shall:

(a) use the Alipay+ Brand Mark in accordance with the Alipay+ Brand Guidelines;

(b) sufficiently identify yourself in all materials (including images, sound or through any other medium) which bear, use or refer to the Alipay+ Brand Mark; and

11. You shall display the Acceptance Marks on the relevant checkout page (or in the case of Auto Debit, on the agreement activation page), to indicate the acceptance of Mobile Payment Partner Products and on the payment result page, to indicate that the payment was processed through AliPay+ Core. You shall display the AliPay+ Brand Mark:

(a) whenever you display the trade marks or other brand identifier of a Mobile Payment Partner;

(b) with at least the same prominence as you display the trade marks or brand identifiers of any other payment methods accepted by you in the same context.

AliPay China Wallet Auto Debit

These Alipay China Wallet Payment Method Rules apply if you elect to offer auto-debit payment methods supported by Alipay China Wallet to your customers via Checkout.com.

Alipay means Alipay.com Co., Ltd.

Auto-Debit Service means a payment authorization model under which Alipay directly debits the customer’s Alipay account for the payment upon your request via Checkout.com and credits the requested payment to your Checkout.com account without having to separately obtain the customer’s authorization for each payment.

Payment Limit means the maximum amount of payment allowed on Alipay’s platform for a single customer for the Auto-Debit Service, which may be set by Checkout.com for you and vary by transaction, day or month, as separately agreed between Checkout.com and Alipay.

Prohibited Products means articles or services prohibited from being sold to customers under applicable law, including without limitation the products listed in Table 1 below to the extent applicable, which may be updated by Alipay and notified to you via Checkout.com from time to time.

Restricted Products means articles or services prohibited from being sold to customers under applicable law without the prior written consent of Alipay. Table 2 below sets out, without limitation, the list of such restricted products and services to the extent applicable which may be updated by Alipay and notified to you via Checkout.com from time to time.

1. You shall always provide an accurate description of the transaction process for the Auto-Debit Service on your platform including the relevant Payment Limit, and obtain due authorization from customers before activating the Auto-Debit Service.

2. You must ensure that any Auto-Debit Service request must only be submitted with the customer’s proper authorization, and the amount requested for the payment shall not exceed the amount of the Payment Limit (if any) for each transaction.

3. You must undergo and complete appropriate trial tests organized by Alipay (which shall not be unreasonably delayed) regarding the Auto-Debit Service before you proceed with the enrollment of customers for the Auto-Debit Service on your platform.

4. You must enter into an enrollment agreement with customers containing terms and conditions for the Auto-Debit Service, and authorizing you via Checkout.com to connect the customer’s Alipay account with your platform for the purpose of carrying out the Auto-Debit Service.

5. You must ensure that the Auto Debit Service can be terminated by customers, and provide customers with an easily accessible and customer-friendly means to submit a termination request. You must provide customers with sufficient technical or customer service support throughout the termination process. You must also ensure that the termination request is processed in a timely manner, and shall immediately inform Alipay and your customer once the process is successful.

6. You must not submit any transactions for Prohibited Products or Restricted Products using the Auto-Debit Service.

7. You must prominently and accurately display your customer service contact information, which customers can use to communicate their queries to you in relation to the Auto-Debit Service or any related transactions.

8. Upon receiving an enquiry from a customer regarding the Auto-Debit Service or any related transaction, you must provide a valid response within one (1) working day and provide a solution that addresses the query to the satisfaction of the customer.

9. You must fully cooperate with Alipay to resolve any issue and reduce the impact for the customers in case of a system failure on your behalf.

10. You shall not in any way during your communication with customers, act or omit to act in a manner that might cause any negative effect or dilution of the value, goodwill and reputation of Alipay.

Table -1 List of Prohibited Products

1.	Illegal political audio visual products and publications
2.	Illegal political program channels
3.	State secret documents and information
4.	Pornographic and vulgar audio visual products, channels and publications
5.	Pornographic and vulgar erotic services
6.	Gambling devices and accessories
7.	Lottery
8.	Gambling service
9.	Narcotics and related accessories
10.	Weapons of all types (including daggers, firearms and accessories), replica ammunitions and explosives
11.	Military or police equipment
12.	Illegally obtained proceeds or properties as result of crime
13.	Poisonous or hazardous chemicals
14.	Batons and electric batons
15.	Lock picking tools and accessories
16.	Anesthetic, psychotropic or prescription medicine'; illegal unregistered medicine
17.	Fetal gender determination
18.	Aphrodisiacs
19.	Online sale of medical services, including medical consulting, hypnotherapy, plastic surgery
20.	Hacking services or accessories
21.	Malwares
22.	Illegal publication of certificates or carving of stamps
23.	Crowdfunding
24.	Video chatting services
25.	All religious websites, publication or accessories
26.	Online cemeteries and ancestor worshiping
27.	Sales of personal information (e.g. identity card information)
28.	Espionage equipment and accessories
29.	Services or products that infringe on personal privacy (e.g. online activity monitoring)
30.	Pyramid schemes and multi-level marketing
31.	Gold investment
32.	Cash disbursement from credit funding sources (e.g. credit cards)
33.	Counterfeit currency
34.	Illegal sale of financial information (e.g. bank accounts, bank cards)
35.	Stock and securities
36.	Mutual Funds
37.	Insurance products and platforms
38.	Financial products and services
39.	Rebate or cash back services
40.	Software or products related to trading of financial products and information
41.	Single-purpose prepaid cards (including gift cards and other stored value cards)
42.	Illegal or unregistered fund-raising activities
43.	Foreign exchange services
44.	Peer to peer (P2P) lending services
45.	Payment by installments service
46.	Trading in invoices issued within the Peoples' Republic of China
47.	Trading or sale of virtual currencies (e.g. Bitcoin, Litecoin)
48.	Satellites and antennas
49.	Archaeological and cultural relics
50	Trading or distribution of currency (both RMB and foreign currencies)
51.	Counterfeit or replica food products
52	Online sale of tobaccos and cigarettes
53.	Fireworks and firecrackers
54.	Crude oil
55.	Human organs
56.	Surrogacy services
57.	Services to facilitate plagiarism and examination fraud
58.	Protected species
59.	Smuggled goods
60.	Sales of distribution of event tickets without license (e.g.Olympic Games or World Expo tickets)
61.	Seeds
62.	Real estate
63.	Charitable organizations
64.	Auction sites and services
65.	Pawn services
66.	Lucky draws
67.	Sale of animals, plants or products with contagious and hazardous diseases
68.	Sale of animals, plants or products originating from areas declared with an epidemic outbreak of contagious diseases
69.	Services or products facilitating unlawful public gathering
70	Radioactive material
71	Flammable and explosive material
72	Poisonous and hazardous chemicals

Table 2: List of Restricted Products

1.	Property leasing
2.	Payment or Deposit
3.	Car sales (including used cars)
4.	Property renovation
5.	Sale of furniture
6.	Gallery business
7.	Feng Shui or fortune telling or tarot divination services
8.	Prepaid cards (including gift cards and other stored value cards) and top-ups
9.	Medical beauty services (offline)
10.	Charitable organization products and/or donations
11.	Luxury goods (such as jewelry and precious gems and/or metals)

Bancontact

1. Bancontact - Payment Method Rules

Bancontact is a system which enables customers in Belgium to initiate an online bank transfer in real time using their Bancontact debit cards. Bancontact is provided by Checkout.com via PPRO. If you wish to access and use Bancontact as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.

By offering Bancontact as a payment method to your customers, you agree to comply with these Payment Method Rules, including:

The PPRO Payment Methods General Terms of Use in section 2 below; and
The Bancontact Specific Terms of Use in section 3 below.

You must sufficiently call attention to and explain Bancontact to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via Bancontact, for goods or services offered, is irrevocable unless permitted otherwise.

You agree not to treat Bancontact more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Bancontact, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Bancontact within a particular market.

You must not accept Bancontact as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.

2. Payment Methods Terms of Use – General & Common Terms

This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods.
The Terms of Use pertain to certain Payment Method specific requirements and obligations that are to be followed and/or implemented as applicable by entities (“Contractual Partners”) that have entered into contracts (“Agreements”) with PPRO in order to access, use, make available, resell or offer such Payment Methods.
In interpreting these Terms of Use:
(a) Capitalised words within these Terms of Use shall have the same meaning as provided for within the Agreement;
(b) In the event of any conflict between the provisions of the main body of these Terms of Use and the provisions of an Agreement, the main body of the Agreement will prevail;
(c) References to any statute, statutory provision, subordinate legislation under the relevant statute, or European Union directive or regulation will include any statute, statutory provision, subordinate legislation, or European Union directive or regulation which amends or replaces it, or has amended or replaced it; and
(d) Unless otherwise indicated, references to clauses and schedules within the Terms of Use are references to the clauses and schedules of the Agreement.
Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to PPRO by the Payment Scheme providers.
These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). Contractual Partners will be notified of any such Changes per email and the Change will be effective and binding as of the date on which the email notice is distributed.
In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice.
Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Contractual Partner by PPRO or (ii) the Contractual Partner is likely to suffer significant economic loss as a result of the Change; the Contractual Partner will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
Should the Contractual Partner elect to terminate its access and use of a Payment Method in accordance with section 7 above, it must provide written notice thereof to PPRO within 30 days of the Change coming into effect. If PPRO does not receive written notice of the Contractual Partner’s intention to terminate its access and use of a particular Payment Method, PPRO will be entitled to assume that the Contractual Partner has accepted the Change.
The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Contractual Partner provided for under section 7.
The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.

(a) The Contractual Partner is to follow PPRO’s reasonable instructions when integrating a Payment Method in the manner prescribed, when designing the order process as well as its internet presence with regard to the Payment Methods. For this purpose, PPRO will provide the Contractual Partner the girogate application program interface (”API”) documentation. The system requirements applicable to the girogate API and the technical specifications are described within the girogate API documentation.

(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.

(c) For Payment Methods that involve the re-direction of the Customer to his online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Contractual Partner may not use any i-frames when integrating the Payment Method within the payment process. The parties understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Contractual Partner whereby a Customer may be led to believe the contents are those of a third party rather than the Contractual Partner.

(d) The Contractual Partner acknowledges that the execution of a payment Transaction via individual Payment Methods and the possibility of a Customer cancelling or revoking a payment Transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO has no influence or control. The Contractual Partner accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of Transactions.

(e) It is not permitted for Redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per Transaction and will be deducted from any settlement funds owing the Contractual Partner. PPRO reserves the right to claim damages associated with a violation of this requirement should any arise and will notify the Contractual Partner thereof.

(f) If the Contractual Partner provides the girogate API to its own Merchants for their use, it must inform PPRO of the name, location, internet address and industry of all web shops of such Merchants by email or in writing without delay.

(g) The Contractual Partner undertakes that it and its Merchants (where applicable) will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.

(h) The Contractual Partner undertakes that it and any relevant Merchant will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to the Contractual Partner from time to time.

(i) The Contractual Partner shall ensure that the Payment Methods are only used to pay for products and services of Merchants where there is a direct contractual relationship between the Merchant and the Customer and the products and services are provided on the Merchant’s own account.

(j) Contractual Partner will, and if applicable will ensure that Merchants will:

i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;

ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;

iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.

(k) Merchants are not allowed to accept payments for goods or services:

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;

(b) Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic

(d) Drugs and narcotics;

(e) Get-rich-quick schemes or pyramid schemes;

(f) Human or animal bodies or organs;

(g) Intellectual property or proprietary rights infringement;

(h) Nazi-branded products, Nazi content and articles;

(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;

(j) Pay-to-remove sites or defamatory publications;

(k) Racist, sexist, misogynistic or otherwise abusive products and content;

(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

(a) Alcohol and alcoholic beverages;

(b) Archaeological findings and items;

(d) Online pharmacies, prescription drugs;

(e) Fireworks and related products;

(f) Live animals;

(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;

(h) Precious metals and stones;

(i) Substances designed to mimic illegal drugs;

(j) Tobacco, e-cigarettes, e-liquid and related products;

(k) Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

(a) Bail bonds;

(b) Bankruptcy lawyers;

(d) Credit, loans, short-term lending and other lending instruments;

(e) Debt collection;

(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;

(g) Wealth management;

4. Miscellaneous

(a) Psychic or fortune-teller services;

(b) Pyrotechnic devices and supplies;

(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform

The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.

3. Payment Methods - Specific Terms

3.1 Bancontact

3.1.1 General

Payment Type	Debit Card
Chargeback Risk	No
Refund Possibility	Yes
Transaction minimum	EUR 1.00 per Transaction
Transaction Maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k)

3.1.2 Specific Terms

Bancontact is a debit card Payment Method, whereby a debit card is issued by an authorized credit institution and allows Customers to directly pay for goods and services from their bank accounts.
The Contractual Partner is aware that the execution of the transfer as well as the possibility of a Customer to cancel or revoke a transfer are contingent upon the then current terms and conditions of the respective Customer’s bank.
The Contractual Partner acknowledges that although Bancontact payment Transactions can be executed from Customer accounts established with most banks in Belgium, there is no guarantee that a Customer will be able to make an online bank transfer from every bank account in Belgium using Bancontact.

iDEAL

These iDEAL Rules & Regulations (iDEAL R&R) of Currence iDEAL B.V. apply if you elect to offer iDEAL as a payment method to your customers via Checkout.com

CPSP means an institution which mediates in collecting the funds (managing third-party funds) of the iDEAL payments for its merchants, by offering its merchants the possibility to offer iDEAL as a payment method to their customers, in this case Checkout.com.

Currence iDEAL B.V. “Currence” means the product owner of the iDEAL Scheme, Currence also performs the role of the iDEAL Hub.

iDEAL means the service pursuant to the iDEAL Scheme whereby iDEAL transactions are processed, followed by an iDEAL payment.

iDEAL (Application Programming Interface) (API) means the application programming interface that is used for the purpose of exchanging data and information by and between the iDEAL Hub, institutions and merchants for the purpose of initiating, sending and receiving iDEAL transactions.

iDEAL Hub means a hub for enabling Issuers, CPSPs, and Merchants directly connected to the iDEAL Hub to offer iDEAL as a payment method to their clients/ customers and to send and retrieve information in relation to iDEAL transactions via the iDEAL API, which is operated by Currence.

iDEAL Scheme means a system of agreements and procedures for the offering and use of iDEAL

Issuer means the institution where the customer maintains an identified payment account with which the customer has access to its banking environment to initiate and authorise iDEAL request to pay for transactions.

You shall always follow the merchant implementation guide for offering of iDEAL services that can be found here
If you display the iDEAL logo it must be done in accordance with the iDEAL branding manual that can be found hereIn case you want to use iDEAL in your commercial or other marketing communications, then you must submit a request via us to Currence iDEAL B.V.
The technical information for using iDEAL services can be found here
You must present to your customers a list of all pre-approved iDEAL Issuers to select from during checkout. No Issuer must be removed or excluded from the list (even if temporarily unavailable) without prior consent from iDEAL.
The list of Issuers must be presented to the customers in alphabetical order.
It is your responsibility to ensure that the iDEAL transaction status is “successful” before supplying the product or service.
You must have in place an accessible and easy to find complaints procedure via a direct line (e- mail, telephone line, chatbox), which customers can use to communicate their queries to you in relation to iDEAL transactions.
You must not submit iDEAL transactions via us if you have an account on or direct access to the iDEAL Hub.
You must have a registration with the Chambers of Commerce in your jurisdiction.
You must have a business bank account.
The products or services sold by you must be in accordance with the Applicable Laws of both the country in which you have your business and the Netherlands.
If you sell products or services that are subject to a licence or registration requirement then you must be able to show such licence or registration for the same. The registration requirements for crypto services and other comparable registrations with the Dutch National Bank can be found here and the licencing requirements for online gambling with the Kansspelautoriteit (KSA; Gaming Authority) can be found here

1. Multibanco - Payment Method Rules

Multibanco is a Portuguese interbank network and a provider of Internet banking services. Multibanco is provided by Checkout.com via PPRO. If you wish to access and use Multibanco as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.

By offering Multibanco as a payment method to your customers, you agree to comply with these Payment Method Rules, including:

The PPRO Payment Methods General Terms of Use in section 2 below; and
The Multibanco Specific Terms of Use in section 3 below.

You must sufficiently call attention to and explain Multibanco to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via Multibanco, for goods or services offered, is irrevocable unless permitted otherwise.

You agree not to treat Multibanco more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Multibanco, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Multibanco within a particular market.

You must not accept Multibanco as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.

2. Payment Methods Terms of Use – General & Common Terms

This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods.
The Terms of Use pertain to certain Payment Method specific requirements and obligations that are to be followed and/or implemented as applicable by entities (“Contractual Partners”) that have entered into contracts (“Agreements”) with PPRO in order to access, use, make available, resell or offer such Payment Methods.
In interpreting these Terms of Use:
(a) Capitalised words within these Terms of Use shall have the same meaning as provided for within the Agreement;
(b) In the event of any conflict between the provisions of the main body of these Terms of Use and the provisions of an Agreement, the main body of the Agreement will prevail;
(c) References to any statute, statutory provision, subordinate legislation under the relevant statute, or European Union directive or regulation will include any statute, statutory provision, subordinate legislation, or European Union directive or regulation which amends or replaces it, or has amended or replaced it; and
(d) Unless otherwise indicated, references to clauses and schedules within the Terms of Use are references to the clauses and schedules of the Agreement.
Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to PPRO by the Payment Scheme providers.
These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). Contractual Partners will be notified of any such Changes per email and the Change will be effective and binding as of the date on which the email notice is distributed.
In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice.
Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Contractual Partner by PPRO or (ii) the Contractual Partner is likely to suffer significant economic loss as a result of the Change; the Contractual Partner will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
Should the Contractual Partner elect to terminate its access and use of a Payment Method in accordance with section 7 above, it must provide written notice thereof to PPRO within 30 days of the Change coming into effect. If PPRO does not receive written notice of the Contractual Partner’s intention to terminate its access and use of a particular Payment Method, PPRO will be entitled to assume that the Contractual Partner has accepted the Change.
The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Contractual Partner provided for under section 7.
The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.

(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.

(j) Contractual Partner will, and if applicable will ensure that Merchants will:

i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;

iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.

(k) Merchants are not allowed to accept payments for goods or services:

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;

(d) Drugs and narcotics;

(e) Get-rich-quick schemes or pyramid schemes;

(f) Human or animal bodies or organs;

(g) Intellectual property or proprietary rights infringement;

(h) Nazi-branded products, Nazi content and articles;

(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;

(j) Pay-to-remove sites or defamatory publications;

(k) Racist, sexist, misogynistic or otherwise abusive products and content;

(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

(a) Alcohol and alcoholic beverages;

(b) Archaeological findings and items;

(d) Online pharmacies, prescription drugs;

(e) Fireworks and related products;

(f) Live animals;

(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;

(h) Precious metals and stones;

(i) Substances designed to mimic illegal drugs;

(j) Tobacco, e-cigarettes, e-liquid and related products;

(k) Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

(a) Bail bonds;

(b) Bankruptcy lawyers;

(d) Credit, loans, short-term lending and other lending instruments;

(e) Debt collection;

(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;

(g) Wealth management;

4. Miscellaneous

(a) Psychic or fortune-teller services;

(b) Pyrotechnic devices and supplies;

(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform

The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

3. Payment Methods - Specific Terms

3.1 Multibanco

3.1.1 General

Payment Type	Real-time Bank Transfer and ATM
Chargeback Risk	No
Refund Possibility	N/A
Transaction minimum	NA
Transaction Maximum	EUR 99,999.00 per Transaction
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k)

3.1.2 Specific Terms

1. Multibanco is a Payment Method restricted to Customers in Portugal offering two alternatives for payments: One is a bank transfer via the Customer ́s online banking portal, the other alternative is cash payment at the ATM ́s of various Portuguese bank branches.

PostFinance

1. PostFinance - Payment Method Rules

PostFinance is provided by Checkout.com via PPRO. If you wish to access and use PostFinance as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.

By offering PostFinance as a payment method to your customers, you agree to comply with these Payment Method Rules, including:

The PPRO Payment Methods General Terms of Use in section 2 below; and
The PostFinance Specific Terms of Use in section 3 below.

You must sufficiently call attention to and explain PostFinance to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via PostFinance, for goods or services offered, is irrevocable unless permitted otherwise.

You agree not to treat PostFinance more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via PostFinance, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer PostFinance within a particular market.

You must not accept PostFinance as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.

2. Payment Methods Terms of Use – General & Common Terms

This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods.
The Terms of Use pertain to certain Payment Method specific requirements and obligations that are to be followed and/or implemented as applicable by entities (“Contractual Partners”) that have entered into contracts (“Agreements”) with PPRO in order to access, use, make available, resell or offer such Payment Methods.
In interpreting these Terms of Use:
(a) Capitalised words within these Terms of Use shall have the same meaning as provided for within the Agreement;
(b) In the event of any conflict between the provisions of the main body of these Terms of Use and the provisions of an Agreement, the main body of the Agreement will prevail;
(c) References to any statute, statutory provision, subordinate legislation under the relevant statute, or European Union directive or regulation will include any statute, statutory provision, subordinate legislation, or European Union directive or regulation which amends or replaces it, or has amended or replaced it; and
(d) Unless otherwise indicated, references to clauses and schedules within the Terms of Use are references to the clauses and schedules of the Agreement.
Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to PPRO by the Payment Scheme providers.
These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). Contractual Partners will be notified of any such Changes per email and the Change will be effective and binding as of the date on which the email notice is distributed.
In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice.
Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Contractual Partner by PPRO or (ii) the Contractual Partner is likely to suffer significant economic loss as a result of the Change; the Contractual Partner will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
Should the Contractual Partner elect to terminate its access and use of a Payment Method in accordance with section 7 above, it must provide written notice thereof to PPRO within 30 days of the Change coming into effect. If PPRO does not receive written notice of the Contractual Partner’s intention to terminate its access and use of a particular Payment Method, PPRO will be entitled to assume that the Contractual Partner has accepted the Change.
The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Contractual Partner provided for under section 7.
The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.

(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.

(j) Contractual Partner will, and if applicable will ensure that Merchants will:

i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;

iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.

(k) Merchants are not allowed to accept payments for goods or services:

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;

(d) Drugs and narcotics;

(e) Get-rich-quick schemes or pyramid schemes;

(f) Human or animal bodies or organs;

(g) Intellectual property or proprietary rights infringement;

(h) Nazi-branded products, Nazi content and articles;

(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;

(j) Pay-to-remove sites or defamatory publications;

(k) Racist, sexist, misogynistic or otherwise abusive products and content;

(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

(a) Alcohol and alcoholic beverages;

(b) Archaeological findings and items;

(d) Online pharmacies, prescription drugs;

(e) Fireworks and related products;

(f) Live animals;

(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;

(h) Precious metals and stones;

(i) Substances designed to mimic illegal drugs;

(j) Tobacco, e-cigarettes, e-liquid and related products;

(k) Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

(a) Bail bonds;

(b) Bankruptcy lawyers;

(d) Credit, loans, short-term lending and other lending instruments;

(e) Debt collection;

(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;

(g) Wealth management;

4. Miscellaneous

(a) Psychic or fortune-teller services;

(b) Pyrotechnic devices and supplies;

(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform

The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

3. Payment Methods - Specific Terms

3.1 PostFinance (Yellowpay e-finance)

3.1.1 General

Payment Type	Real-time Bank Transfer
Chargeback Risk	No
Refund Possibility	Yes
Transaction minimum	EUR 1.00 per Transaction
Transaction Maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k)

3.1.2 Specific Terms

PostFinance is a bank transfer Payment Method where the Contractual Partner receives a real time confirmation of the Transaction. PostFinance is restricted to users domiciled in Switzerland. The Contractual Partner is aware that PostFinance has a direct contractual relationship with the Merchant. PostFinance enters items from acquiring, i.e. credits and debits, directly into the Merchant’s account. This account must be a business account which the Merchant has opened with PostFinance. PostFinance does not execute any credits or debits to third party bank accounts (no collecting by the Contractual Partner is allowed).
The Contractual Partner may not deactivate PostFinance Payment Methods, e.g. in the event of technical difficulties, without prior consultation with and permission from PPRO.
The Contractual Partner acknowledges that in general the online and/or offline usage of PostFinance trade marks and logos is strictly prohibited except for use by Merchants when used exclusively for illustrating the Payment Methods to shoppers domiciled in Switzerland.

Przelewy24

1. Przelewy24 - Payment Method Rules

Przelewy24 is provided by Checkout.com via PPRO. If you wish to access and use Przelewy24 as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.

By offering Przelewy24 as a payment method to your customers, you agree to comply with these Payment Method Rules, including:

The PPRO Payment Methods General Terms of Use in section 2 below; and
The Przelewy24 Specific Terms of Use in section 3 below.

You must sufficiently call attention to and explain Przelewy24 to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via Przelewy24, for goods or services offered, is irrevocable unless permitted otherwise.

You agree not to treat Przelewy24 more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Przelewy24, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Przelewy24 within a particular market.

You must not accept Przelewy24 as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.

2. Payment Methods Terms of Use – General & Common Terms

This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods.
The Terms of Use pertain to certain Payment Method specific requirements and obligations that are to be followed and/or implemented as applicable by entities (“Contractual Partners”) that have entered into contracts (“Agreements”) with PPRO in order to access, use, make available, resell or offer such Payment Methods.
In interpreting these Terms of Use:
(a) Capitalised words within these Terms of Use shall have the same meaning as provided for within the Agreement;
(b) In the event of any conflict between the provisions of the main body of these Terms of Use and the provisions of an Agreement, the main body of the Agreement will prevail;
(c) References to any statute, statutory provision, subordinate legislation under the relevant statute, or European Union directive or regulation will include any statute, statutory provision, subordinate legislation, or European Union directive or regulation which amends or replaces it, or has amended or replaced it; and
(d) Unless otherwise indicated, references to clauses and schedules within the Terms of Use are references to the clauses and schedules of the Agreement.
Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to PPRO by the Payment Scheme providers.
These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). Contractual Partners will be notified of any such Changes per email and the Change will be effective and binding as of the date on which the email notice is distributed.
In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice.
Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Contractual Partner by PPRO or (ii) the Contractual Partner is likely to suffer significant economic loss as a result of the Change; the Contractual Partner will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
Should the Contractual Partner elect to terminate its access and use of a Payment Method in accordance with section 7 above, it must provide written notice thereof to PPRO within 30 days of the Change coming into effect. If PPRO does not receive written notice of the Contractual Partner’s intention to terminate its access and use of a particular Payment Method, PPRO will be entitled to assume that the Contractual Partner has accepted the Change.
The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Contractual Partner provided for under section 7.
The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.

(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.

(j) Contractual Partner will, and if applicable will ensure that Merchants will:

i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;

iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.

(k) Merchants are not allowed to accept payments for goods or services:

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;

(d) Drugs and narcotics;

(e) Get-rich-quick schemes or pyramid schemes;

(f) Human or animal bodies or organs;

(g) Intellectual property or proprietary rights infringement;

(h) Nazi-branded products, Nazi content and articles;

(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;

(j) Pay-to-remove sites or defamatory publications;

(k) Racist, sexist, misogynistic or otherwise abusive products and content;

(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

(a) Alcohol and alcoholic beverages;

(b) Archaeological findings and items;

(d) Online pharmacies, prescription drugs;

(e) Fireworks and related products;

(f) Live animals;

(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;

(h) Precious metals and stones;

(i) Substances designed to mimic illegal drugs;

(j) Tobacco, e-cigarettes, e-liquid and related products;

(k) Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

(a) Bail bonds;

(b) Bankruptcy lawyers;

(d) Credit, loans, short-term lending and other lending instruments;

(e) Debt collection;

(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;

(g) Wealth management;

4. Miscellaneous

(a) Psychic or fortune-teller services;

(b) Pyrotechnic devices and supplies;

(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform

The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

3. Payment Methods - Specific Terms

3.1 Przelewy24 (P24)

3.1.1 General

Payment Type	Real-time Bank Transfer and ATM
Chargeback Risk	No
Refund Possibility	Yes
Transaction minimum	PLN 0.05 per Transaction
Transaction Maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k)

3.1.2 Specific Terms

Przelewy24 is a bank transfer Payment Method where the Contractual Partner receives a real time confirmation of the Transaction. Every Transaction is associated with a unique transaction number and other details (the “Transaction Details“) in order to facilitate enquiries or potential complaints. The Contractual Partner shall and if applicable shall procure that its Merchants save the Transaction Details in a secure manner.
The Contractual Partner shall submit any Customer complaints pertaining to incorrectly executed Transactions directly to PPRO who will thereafter forward the matter to Pzrelewy24 Payment Scheme for investigation.
In relation to such complaints, the Contractual Partner is obliged to ensure the following details are collected from the Customer:

(a) E-mail address;

(b) Transaction number;

(d) Full name of the holder of the originating bank account from which the Transaction amount was to be transferred;

(e) Name of the bank that holds the account from which the Transaction amount was to be transferred or to which the Transaction was transferred to as applicable;

(f) Transaction date; and

(g) In the case of payment from a card: the name of the card;

(h) In the case of an SMS payment: the Customer’s mobile telephone number.

4. Notwithstanding the foregoing, any complaints pertaining to Transactions made 90 or more days prior to such complaint may be refused for review by the Przelewy24 Payment Scheme.

SEPA Direct Debit

1. SEPA Direct Debit - Payment Method Rules

SEPA Direct Debit allows you to collect funds from bank accounts at authorised credit institutions located within the Single Euro Payments Area. SEPA Direct Debit is provided by Checkout.com via PPRO. If you wish to access and use SEPA Direct Debit as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.

By offering SEPA Direct Debit as a payment method to your customers, you agree to comply with these Payment Method Rules, including:

The PPRO Payment Methods General Terms of Use in section 2 below; and
The SEPA Direct Debit Specific Terms of Use in section 3 below.

You must sufficiently call attention to and explain SEPA Direct Debit to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via SEPA Direct Debit, for goods or services offered, is irrevocable unless permitted otherwise.

You agree not to treat SEPA Direct Debit more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via SEPA Direct Debit, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer SEPA Direct Debit within a particular market.

You must not accept SEPA Direct Debit as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.

2. Payment Methods Terms of Use – General & Common Terms

This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods.
The Terms of Use pertain to certain Payment Method specific requirements and obligations that are to be followed and/or implemented as applicable by entities (“Contractual Partners”) that have entered into contracts (“Agreements”) with PPRO in order to access, use, make available, resell or offer such Payment Methods.
In interpreting these Terms of Use:
(a) Capitalised words within these Terms of Use shall have the same meaning as provided for within the Agreement;
(b) In the event of any conflict between the provisions of the main body of these Terms of Use and the provisions of an Agreement, the main body of the Agreement will prevail;
(c) References to any statute, statutory provision, subordinate legislation under the relevant statute, or European Union directive or regulation will include any statute, statutory provision, subordinate legislation, or European Union directive or regulation which amends or replaces it, or has amended or replaced it; and
(d) Unless otherwise indicated, references to clauses and schedules within the Terms of Use are references to the clauses and schedules of the Agreement.
Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to PPRO by the Payment Scheme providers.
These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). Contractual Partners will be notified of any such Changes per email and the Change will be effective and binding as of the date on which the email notice is distributed.
In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice.
Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Contractual Partner by PPRO or (ii) the Contractual Partner is likely to suffer significant economic loss as a result of the Change; the Contractual Partner will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
Should the Contractual Partner elect to terminate its access and use of a Payment Method in accordance with section 7 above, it must provide written notice thereof to PPRO within 30 days of the Change coming into effect. If PPRO does not receive written notice of the Contractual Partner’s intention to terminate its access and use of a particular Payment Method, PPRO will be entitled to assume that the Contractual Partner has accepted the Change.
The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Contractual Partner provided for under section 7.
The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.

(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.

(j) Contractual Partner will, and if applicable will ensure that Merchants will:

i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;

iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.

(k) Merchants are not allowed to accept payments for goods or services:

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;

(d) Drugs and narcotics;

(e) Get-rich-quick schemes or pyramid schemes;

(f) Human or animal bodies or organs;

(g) Intellectual property or proprietary rights infringement;

(h) Nazi-branded products, Nazi content and articles;

(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;

(j) Pay-to-remove sites or defamatory publications;

(k) Racist, sexist, misogynistic or otherwise abusive products and content;

(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

(a) Alcohol and alcoholic beverages;

(b) Archaeological findings and items;

(d) Online pharmacies, prescription drugs;

(e) Fireworks and related products;

(f) Live animals;

(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;

(h) Precious metals and stones;

(i) Substances designed to mimic illegal drugs;

(j) Tobacco, e-cigarettes, e-liquid and related products;

(k) Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

(a) Bail bonds;

(b) Bankruptcy lawyers;

(d) Credit, loans, short-term lending and other lending instruments;

(e) Debt collection;

(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;

(g) Wealth management;

4. Miscellaneous

(a) Psychic or fortune-teller services;

(b) Pyrotechnic devices and supplies;

(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform

The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

2. Payment Methods - Specific Terms

3.1 SEPA Direct Debit

3.1.1 General

Payment Type	Direct Debit
Chargeback Risk	Yes
Refund Possibility	Yes
Transaction minimum	N/A
Transaction Maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k)

3.1.2 Specific Terms

Additional Definitions:
“Single Euro Payments Area (SEPA)” is an area in which consumers, companies and other economic actors will be able to make and receive payments in euro, whether within or across national boundaries, with the same basic conditions, rights and obligations.
“Direct Debit” is the authorized transfer of money by the Contractual Partner from a Customer’s bank account, typically in order to pay invoices.
“Banking Partner” means any bank or other financial institution with which PPRO has a relationship and which provides SEPA Direct Debit related payment services to PPRO.
SEPA Direct Debit (“SDD”) allows the Contractual Partner to collect funds from a Customer’s bank account within the Single Euro Payments Area. The SEPA Direct Debit Payment Method may only be used to pull payments from Customer bank accounts held at authorised credit institutions located within the Single European Payment Area and subject to the proper collection of a SEPA Direct Debit mandate from the Customer.
SDD is facilitated by means of a direct debiting mandate through which a Customer (the “Payer”) authorizes the Contractual Partner (the “Payee”) to debit his or her account for a fixed amount, for any future invoice. Such a direct debiting mandate may be obtained from a Payer in written or electronic form.
PPRO offers - on an optional basis - the administration of one time electronic SDD mandates for the Contractual Partner (to be used for e-commerce Merchants): In case the Contractual Partner chooses to administrate SDD mandates on its own, the Contractual Partner warrants and undertakes to only submit Direct Debits for collection if it has been provided with the legally valid appropriate SDD mandate from the Payer. Should a Direct Debit be reversed by the Contractual Partner or its Customer, or should a Direct Debit fail due to reasons attributable to the Contractual Partner – in particular due to insufficient credit or incorrect account information in its Customer menu - the Contractual Partner is fully and unconditionally liable to pay the outstanding amount, as well as any applicable reversal fees, any applicable third party fees of the bank holding the Customer account and any handling fees, no later than within 7 Target 2 Bank Days of notice from PPRO.
Should the Contractual Partner request and PPRO accept to undertake the administration of SDD mandates, PPRO will do so in compliance with the rules and regulations of Regulation (EU) No 260/2012 establishing technical and business requirements for credit transfers and direct debits in euro (“the SEPA Regulation”) as follows: PPRO will create a new SDD mandate for each Payer by collecting the necessary SDD data either directly from the Payer or via the Contractual Partner:
(a) Mandate ID (reference number)
(b) Date
(c) Amount
(d) Reference
(e) Name and Address of the Payer
(f) IBAN of the Payer
(g) Name of the recipient of the Payment
(h) IBAN of the recipient of the Payment
(i) Modality of the direct debiting mandate: j. one time direct debit, debit note
The Contractual Partner is liable at all times for delivering the correct direct debiting data where it is in his possession.
PPRO will store the mandates for at least 14 months from the date of issuance.
PPRO will send a Pre-Notification e-mail to the Payer comprising of the following information:
(a) Date of debiting of the Payer ́s account
(b) Transaction amount that will be debited from the Payer’s account
(c) Mandate ID (reference number) and
(d) Creditor ID (PPRO/Merchant)
By confirming this e-mail the Payer irrevocably confirms the acceptance of his SDD mandate and the information stated in the mandate.
PPRO does not check the legitimacy of incoming SDD payments and any Transactions disputed by the Payer must be returned to the Payer as a Chargeback. The Contractual Partner acknowledges that the SDD Payment Method contains an inherent risk of Customer Chargebacks and in order to mitigate against such a risk, PPRO is entitled to request a Holdback from the Contractual Partner. Furthermore, unless otherwise agreed with the Contractual Partner, settlement of SDD funds shall be once per week deferred by 10 Target 2 Bank Days. In the case of a Charge Back the Contractual Partner is not permitted to submit the same SDD again.
Should the Contractual Partner choose to administrate the SDD mandates on its own, PPRO may at any time request and the Contractual Partner will provide the Payers’ written or electronic SDD mandates to PPRO. PPRO may also at any time request and the Contractual Partner will provide evidence of compliance of the Contractual Partner with the preceding provisions and the Contractual Partner will provide all such information to PPRO without undue delay.
Unless agreed otherwise, the Contractual Partner may not submit SDD Transactions exceeding a maximum of EUR 500,000.00 within any consecutive thirty-day period.
Should the Contractual Partner breach any of the provisions within these Terms of Use or otherwise within the Agreement, or Chargeback ratios are above a threshold deemed excessive by PPRO, PPRO reserves the right and may refuse to execute any submitted Direct Debits, may adjust any Holdbacks; or withhold remittance of funds to the Contractual Partner. Additional to this and notwithstanding any termination rights or notice periods provided for under the Agreement, PPRO will be entitled to an extraordinary termination of the Agreement in such cases and without notice. Further compensation claims of PPRO shall remain unaffected by such a termination.
In case a Direct Debit cannot be executed due to objection or insufficient credit, usual Chargeback Fees shall apply.
Use of the services by the Contractual Partner requires Banking Partner’s prior approval of the Contractual Partner. Banking Partner reserves the right to cancel any transaction of the Contractual Partner executed without the prior grant of approval.
Contractual Partner shall, and if applicable, shall ensure that Merchants share all information related to money laundering or terrorist financing with PPRO and Banking Partner. Contractual Partner shall not undertake any obligations that contravene this requirement.
Contractual Partner, and if applicable its Merchants, acknowledges and agrees that PPRO may, at any time, request a list of all economic beneficiaries and any associated Know Your Customer (KYC) details relating to any transactions processed by Banking Partner.
To ensure compliance with all applicable anti-money laundering, anti-bribery, sanctions and corruption laws and policies, the Contractual Partner shall, and if applicable, shall ensure that Merchants:
(a) at all times maintain effective and up-to-date anti-money laundering, sanctions, and anti-bribery and corruption programs that include customer due diligence, enhanced due diligence, and suspicious and prohibited transaction monitoring and reporting policies as well as surveillance systems to monitor such activity;
(b) promptly comply with any request by PPRO for information and documentation required for compliance with KYC and Money Laundering or Terrorist Financing legislation by PPRO or the Banking Partner;
(c) immediately inform PPRO without undue delay of any material contraventions of anti-bribery, sanctions and corruptions laws; anti-money laundering laws and regulations; and
(d) assist PPRO and the Banking Partner in complying with any law or regulation with jurisdiction over PPRO or the Banking Partner that is applicable to transactions and activities relating to PPRO or Banking Partner, including anti-bribery, sanctions and corruption laws; anti-money laundering laws and regulations, as such laws and regulations may be promulgated or amended from time to time.
Contractual Partner, and if applicable its Merchants, has reviewed and agrees to the terms of Banking Partner’s Corporate Cash Management Risk Appetite Statement and further acknowledges that Banking Partner reserves the right to block any transaction that is outside of Banking Partner’s Corporate Cash Management Risk Appetite Statement. The Banking Partner’s Corporate Cash Management Risk Appetite Statement will be made available by PPRO upon request.
Contractual Partner, and if applicable, its Merchants, represents and warrants that it, at all times, holds all necessary licenses, authorizations, consents, permits and registrations in any location in which it conducts business.

WeChat Pay

WeChat Pay - Payment Method Rules

These WeChat Pay Payment Method Rules apply if you elect to offer WeChat Pay as a payment method to your customers via Checkout.com.

Relevant States means the country and/or region where you are registered, or the country and/or region where your activities are operated, and China.

Tenpay means Tenpay Payment Technology Co., Ltd., a company incorporated and existing under the laws of the People’s Republic of China with the Company Registration Number of 91440300792584584M and its principal place of business at 8/F, Tencent Building, Kejizhongyi Avenue, Hi-Tech Park, Nanshan District, Shenzhen, China.

WeChat Pay Cross-Border Payment Service means the cross-border funds settlement services provided by Tenpay to merchants via Checkout.com, so that the merchants can receive payment for products sold in designated currencies via Checkout.com.

You must comply at all times with the WeChat Pay Proper Use Rules and only use the WeChat Pay Cross-Border Payment Service for the categories of products and services specified therein.
You must not conduct the following trading activities through WeChat Pay Cross-Border Payment Service:
(a) trade in products that is not in compliance with the import and export management regulations of Relevant States; or
(b) commodity trade without generally accepted market price; or
(c) intangible commodity trade with an unclear pricing mechanism and potential risks, or
(d) projects and operating activities that may endanger China and its social security or harm the public interests of China.
You must keep all information and records relating to transactions via the WeChat Pay Cross-Border Payment Service for five (5) years from the date of each transaction or, if longer, for the period of time required by applicable laws. Upon Tenpay’s request, you must, within 3 business days, provide us with sufficient proof of any transaction.
You must expressly state in your privacy policy that all transactions via the WeChat Pay Cross-Border Payment Service are subject to the Tenpay Privacy Policy in addition to any other applicable privacy policies.
You must comply with the requirements of applicable data protection laws and regulations of Relevant States. You must not knowingly do anything or permit anything to be done which might lead to a breach of applicable data protection laws and regulations by Tenpay. If Tenpay considers that there is a reasonable likelihood of a security breach involving customers’ personal data, Tenpay may require you to provide Tenpay with information and documents related to any such suspected breach or circumstances and you will provide Tenpay with such information and documents that Tenpay reasonably requests.
You must actively assist Tenpay to prevent occurrence of unauthorized transactions, and promptly but in no event later than 3 business days resolve all problems and issues related to customer services on unauthorized transactions. In the event that Tenpay or any customer suffers any losses caused by any relevant transaction (such as false transactions, unauthorized charges, fraudulent transactions, declined transactions, account information leakage, violation of applicable laws by you, breach of customer warranties or breach of your obligations prescribed in these Payment Method Rules), you must take the initiative to investigate and deal with the matter with caution, provide necessary support and assistance for Tenpay’s investigations, and be responsible for settling or resolving any of such claims or disputes. If you fail to settle such claims or disputes actively and promptly within a reasonable period, Tenpay may, at its own reasonable discretion, debit directly an amount equivalent to the losses from the pending settlement funds payable to you via Checkout.com or delay the settlement of funds equivalent to the losses.
You must accept bank card payments based on true transaction background, abide by corresponding requirements in respect of acceptance of card schemes, and not discriminate or turn down the card holders of different card issuing banks with the same card scheme.
You must display and maintain “WeChat Pay” logos at a prominent position on your websites and you must not use “WeChat Pay”, “Tenpay” or other business names, brands or logos owned or having been used legally by Tenpay for purposes other than those prescribed in these Payment Method Rules. Tenpay shall be entitled to conduct an onsite review on the brand presence of Tenpay.
You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via the WeChat Pay Cross-Border Payment Service, to the extent surcharging is prohibited under applicable laws.
You must not use reverse engineering methods to decode payment systems or software owned or provided by Tenpay. You must not copy, modify, edit, consolidate or alter such systems or software, including but not limited to source code, object programs, software files, data running in local computer memory, data transmitted from customers' terminals to servers or server data. You must not modify or add additional functions to the original functions of any such systems without Tenpay's prior written consent.
You must not, without the prior written consent from Tenpay, reveal, transfer to any third party, or allow any third party to use, regardless of whether the use is free of charge or not, interface technology, security protocols and safety certificates provided by Tenpay. In addition, you must not use resources, including but not limited to customer information, transaction data, promotional and marketing materials which are dedicated exclusively for WeChat Pay Cross-Border Payment Service for any other purpose, or provide any such resources to any third party.
You must:
(a) strictly produce, use, recycle or dispose promotional materials in accordance with the requirements of Tenpay;
(b) not use promotional materials for purposes other than the promotion of WeChat Pay Cross-Border Payment Service without the prior written consent of Tenpay;
(c) not infringe Tenpay or any third party's right with respect to logos, trademarks or reputations; and
(d) not conduct activities such as false advertising, misleading sales or other activities that might infringe the lawful rights and interests of Tenpay or any third party.
Tenpay shall be responsible for complaints and disputes from customers related to the WeChat Pay Cross-Border Payment Service, payment settlement systems and funds remittances. You shall assist Tenpay in relation to customer complaints on payment services, and promptly implement relevant decisions or resolutions of Tenpay. Tenpay shall not be responsible for any complaints or disputes between you and Checkout.com, between you and your customers, or between you and any other merchants.
If you have not processed any transactions through the WeChat Pay Cross-Border Payment Service within ninety (90) calendar days after opening a WeChat Pay account, Tenpay shall be entitled to suspend the WeChat Pay Cross-Border Payment Service without assuming any liability.
You must strictly comply with all applicable laws relating to card transactions in all Relevant States, including China.

TAMARA

These Tamara Payment Method Rules apply if you elect to offer payment methods supported by Tamara to your customers via Checkout.com: https://support.tamara.co/hc/en-us/categories/360003049779-Merchant

American Express OptBlue

The OptBlue Program is a program under which Checkout.com may enable “small merchants” (for purposes of this Agreement, defined as merchants that process American Express Card transactions where the gross annual sales amount of such American Express Card transactions is less than one million U.S. dollars) or “small payment aggregators” (for purposes of this Agreement, defined as Payfacs or Marketplaces that process American Express Card transactions where the gross annual sales amount of such American Express Card transactions is less than two hundred and fifty million U.S. dollars) to accept American Express Cards. The following text governs your acceptance of American Express Cards under American Express’s OptBlue Program. You hereby agree to comply with the requirements, acknowledgments, and authorizations specific to Merchant’s acceptance of American Express Cards under the American Express OptBlue® Program (the “OptBlue Program”) set forth in this section.

If and when the Transactions submitted by American Express Cardholders exceed the charge volume eligibility criteria for the OptBlue Program, American Express may require You to convert to a direct Card Acceptance Agreement with American Express. If this occurs, upon such conversion, (i) You will be bound by American Express’s then-current Card Acceptance Agreement ; and (ii) American Express will determine the pricing and other fees payable by You under the Card Acceptance Agreement.
You hereby agree to accept American Express Cards only in accordance with the terms of this Agreement and the American Express Merchant Operating Guide, as may be amended from time to time, which can be found at https://www.americanexpress.com/merchantopguide.
Your participation in the OptBlue Program is subject to the approval of American Express. You authorize Checkout.com and/or its Group Companies to submit Transactions to, and receive settlement on such Transactions from, American Express on behalf of You.2.
You shall not assign to any third party any payments due to You for American Express Card Transactions, and all indebtedness arising from such Transactions will be for bona fide sales of goods and services (or both) at your business locations and free of liens, claims, and encumbrances other than ordinary sales taxes ; provided, however, that You may sell and assign future receivables to a third party.
American Express shall have third-party beneficiary rights, but not obligations, to enforce the terms of this Agreement applicable to American Express Card acceptance against You.
You may opt out of accepting American Express Cards under this Agreement at any time by providing written notice to Checkout.com without directly or indirectly affecting your rights to accept other Payment Brand Cards.
Except as provided in Section 8 below, Checkout.com may disclose toAmerican Express information regarding You and Your Transactions to American Express, and American Express may use such information to (i) perform its responsibilities in connection with American Express Card acceptance, (ii) promote American Express, (iii) perform analytics and create reports, and (iv) for any other lawful business purposes, including commercial marketing communications purposes within the parameters of American Express Card acceptance, and to provide important transactional or relationship communications from American Express. American Express may also use such information about You obtained in connection with this Agreement at the time of setup to screen and/or monitor You in connection
with American Express marketing and administrative purposes.
You may opt-out of receiving American Express commercial marketing communications about products and services by selecting the opt-out option on your Application or subsequently by providing written notice to your primary relationship contact at Checkout.com. You may continue to receive such communications from American Express after opting out while American Express updates its records to reflect Your opt-out choice.
You may not bill or attempt to collect from any Cardholder for any American Express Transaction unless a Chargeback has been exercised, You have fully paid for such Chargeback, and You otherwise have the right to do so.
You hereby acknowledges that your refund policies for purchases with American Express Cards must be at least as favorable as its refund policy for purchases made on Cards of other Card Associations. You agree to disclose to Cardholders of American Express Cards the refund policy at the time of purchase and in accordance with applicable law.
Without prejudice to any other rights or remedies that Checkout.com may have under the Agreement, Checkout.com shall have the right to terminate Your participation in American Express Card Acceptance immediately upon written notice to You (i) if You breache any of the provisions of this American Express OptBlue Program Agreement or any other terms of the Agreement applicable to American Express Card Acceptance, or (ii) for cause or fraudulent or other activity, or upon American Express’s request. In the event Your participation in American Express Card Acceptance is terminated for any reason, You must immediately remove all American Express branding and marks from your website and wherever else they are displayed.

Giropay

Giropay is a very popular online banking payment system in Germany. It allows shoppers to pay for your goods or services with an online bank transfer. Giropay is a secure and reliable payment method, which uses shopper's own online banking details (PIN) and a TAN (Transaction Authentication Number) to authorise the payment.

Giropay is restricted to customers with access to an online banking compatible account held at an authorized credit institution based in Germany. Checkout does not guarantee that all German bank accounts are giropay compatible.
The Giropay Payment Guarantee is limited to €10,000 per transaction.
You shall report any events that require reliance on the giropay Payment Guarantee to Checkout without delay.
The giropay Payment Guarantee expires 6 weeks after a receipt of the given transaction flagged as complete or successful, whichever is applicable unless you have reported the claim in writing before the expiry of the 6 week period.

Additional terms

Checkout.com is obliged to follow Giropay’s regulations when we board merchants onto the Giropay service. These regulations state that merchants cannot offer the following types of goods or service:

1. Any goods and services that are or become unlawful as such and their advertisement, offer or distribution is or becomes unlawful. This also applies to goods or services that are offered in connection with unlawful, obscene or pornographic contents, in particular.

a. Any goods and services whose advertisement, offer or distribution would breach copyrights and industrial property rights as well as other third-party rights (e.g. the right to one’s own image, name and personal rights).

b. Any goods and services that count as “illegal products” within the meaning of Section 4 of the Interstate Treaty on the Protection of Minors (Jugendmedienschutz-Staatsvertrag) (which, for example, represent propaganda material or symbols of unconstitutional organisations, glorify war, violate human dignity, portray children or minors in unnatural, sexually suggestive postures or are of a pornographic nature).

c. Archaeological finds.

d. Drugs,narcotics,mind-alteringsubstancesandotherprohibited substances or agents.

e. Goodswhicharesubjecttoatradeembargo.

f. Body parts and human remains.

g. National Socialist articles and publications.

h. Protected animals and protected plants.

2. Payment methods (cash money, book money or e-money, currencies including virtual currencies, as Bitcoins, and cheques) where the recipient of the payment (payee) cannot be identified by the merchant or Worldpay. This excludes coupons, value cards and vouchers.

3. Lotteries which do not hold a valid German gambling license.

4. Payment for online poker games.

5. Adult entertainment where the merchant does not hold the necessary permits under German law, or where their offer is not compliant with current German legislation (e.g. in regards to youth protection legislation).

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