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

(c) submit both your legal name and trading name in the Auto Debit activation request.

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;

(c) online sale of any tobacco product;

(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

(c) not use the Alipay+ Brand Mark to promote or denote any product or service that is not an AliPay+ product.

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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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

(c) Counterfeit or unauthorized goods;

(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;

(c) CBD and hemp products;

(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;

(c) Binary options;

(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;

(c) Telemarketing;

(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

  1. 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.
  2. 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.
  3. 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. 

Multibanco

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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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

(c) Counterfeit or unauthorized goods;

(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;

(c) CBD and hemp products;

(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;

(c) Binary options;

(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;

(c) Telemarketing;

(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 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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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

(c) Counterfeit or unauthorized goods;

(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;

(c) CBD and hemp products;

(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;

(c) Binary options;

(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;

(c) Telemarketing;

(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 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

  1. 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).
  2. 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.
  3. 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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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

(c) Counterfeit or unauthorized goods;

(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;

(c) CBD and hemp products;

(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;

(c) Binary options;

(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;

(c) Telemarketing;

(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 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

  1. 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.
  2. 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.
  3. 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;

(c) Transaction amount;

(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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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

(c) Counterfeit or unauthorized goods;

(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;

(c) CBD and hemp products;

(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;

(c) Binary options;

(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;

(c) Telemarketing;

(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.

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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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
  6. The Contractual Partner is liable at all times for delivering the correct direct debiting data where it is in his possession.
  7. PPRO will store the mandates for at least 14 months from the date of issuance.
  8. 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) 
  9. By confirming this e-mail the Payer irrevocably confirms the acceptance of his SDD mandate and the information stated in the mandate.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. In case a Direct Debit cannot be executed due to objection or insufficient credit, usual Chargeback Fees shall apply.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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.
  20. 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.

  1. 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.
  2. 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.
  3. 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. 
  4. 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.
  5. 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.
  6. 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. 
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. You must strictly comply with all applicable laws relating to card transactions in all Relevant States, including China.