1.1. The specific provisions relating to each payment method only apply to the extent that these payment methods are, or have been, provided to you.
1.2. You must disclose and explain the payment methods offered and ensure the customer is informed in a clearly recognisable and easily accessible manner that the transactions made via the respective payment method are irrevocable unless the payment method permits otherwise.
1.3. You agree to comply with any reasonable instruction from Ecommbx on the use and display of payment method names and trademarks, as required by payment method providers.
1.4. You will not give preferential treatment to any one payment method over others. In particular, you will not advertise, market or promote a payment method in a manner that could reasonably be deemed to unfairly advantage or disadvantage one payment method from another based on the display of logos, trademarks or other branding. This clause does not prevent you from deciding which payment methods (if any) you may offer within a particular market.
1.5. You warrant that you have implemented a documented complaints and escalation procedure with a customer support function that is accessible to customers via email.
1.6. You must not impose any surcharges on your customers for Payments made via the payment methods. This does not prevent you from charging service fees to your customers in connection with the sale of goods or services.
1.7. You must comply with all applicable legal requirements relating to distance sales agreements and your products and services must be provided in compliance with all applicable consumer protection laws.
1.8. You must ensure that payment methods are:
1.8.1. made available exclusively for products or services that have been delivered or are yet to be delivered on the basis of a direct contractual relationship between you and the customer
1.8.2. made available in such a manner that individual banks connected to such a payment method are not actively excluded
1.9. In the event you discover that a third party has obtained knowledge of identification and authentication data, or misuse is suspected, you must immediately inform Ecommbx. For security purposes, Ecommbx may disable your access to the payment method until the matter is resolved.
1.10. You warrant that:
1.10.1. the payment methods will not be used for the purposes of, or will be in any way connected with money laundering, terrorist financing, fraud or any other criminal activity and
1.10.2. the funds being transferred are not the proceeds of crime (as defined under the UK Proceeds of Crime Act 2002, as amended or succeeded from time to time)
1.11. Our role in transferring funds to you is strictly restricted to transferring the amount we receive from the respective bank, financial institution, payment method provider or payment scheme, subject to any deductions as made in accordance with the Agreement. In no event will we bear any responsibility or assume any liability towards you with respect to funds that we do not receive from the respective bank, financial institution, payment method provider or payment scheme. Under no circumstances will we be liable for any failure of these entities to effect payment of the settlement amount or for any other act or omission by them.
2.1. Alipay reserves the right to terminate the “Express Checkout Service” on their interface if at any stage an unauthorised Payment exceeds volumes of 20.000.00 RMB or a rate of 0.001 % of total Payment volume (or other volumes and rates as may be determined by Alipay from time to time). Alipay also reserves the right to terminate the “Express Checkout Service” in accordance with requirements for risk prevention.
3.1. You must prominently display, on your Website and/or Application, the China Union Pay brand name and logo or any other marketing or publicity materials that may be provided to you on behalf of China Union Pay.
3.2. You are responsible for notifying your customers of the fact that their bank statement will display “MOLPay”, “MOLP”, “MOLPay EC” or “NetBuilder EC” for the charges associated with China Union Pay instead of your trading name.
3.3. You must retain copies of all Payment receipts for a minimum period of six (6) months. You must provide copies of those receipts to Ecommbx within five (5) Business Days of receiving such request.
3.4. In the event that China Union Pay has reasonable grounds to suspect that a transaction may be fraudulent and notifies us, requesting that you investigate the particular transaction, you must contact the customer by e-mail or telephone. As part of such investigation, China Union Pay may request that you provide identification details regarding your customer.
3.5. You must clearly disclose on your Website and/or Application:
3.5.1. your trading name, address, telephone number and URL
3.5.2. a full specification of the offered goods and/ or services, including their price
3.5.3. a description of the actions which must be taken to make a purchase
3.5.4. the point at which a transaction is deemed completed;
3.5.5. the method of delivery of the goods/services provided;
3.5.6. the method of refunding Payments received from your customers and
3.5.7. description of the procedure for return of goods and services.
3.6. You must resolve any claims or complaints in respect of any purchase of goods, products or services made using China Union Pay directly with your customer. There shall be no right of recourse against China Union Pay in the event your customer disputes the underlying contract of sale of such Payment, for any reasons whatsoever, including without limitation: the quality, overcharging or late delivery of the goods, products or services.
4.1. You are obliged, where applicable, to strictly comply with the relevant provisions of the Austrian Gaming Act and shall only accept or transfer funds for games of chance if this is legally permitted under the laws of Austria. You acknowledge and confirm that you are aware that any violation of these terms may be subject to fines by the respective Austrian authorities, for which you will remain solely liable for at all times.
5.1. You must make the information about the complaints procedure easily available to your customers on your Website and/or Application, under which you can be readily contacted by e-mail and one other means of direct contact (such as telephone or chat box).
5.2. You are not permitted to offer the iDEAL payment method via e-mail link services unless you obtain the prior written permission of Ecommbx.
5.3. You may not remove any issuers from the issuer list.
5.4. Where your business is deemed by Ecommbx to be high risk, Ecommbx reserves the right to request you to implement a customer registration process to record at least the following data concerning the customer:
5.4.1. Name and e-mail address
5.4.2. Account number and name for the bank account number which is being used to make purchases via the iDEAL payment method
5.4.3. Additional information for verification in step 2 and the monitoring of Payments, for example: IP address, browser fingerprint and mobile number
6.1. In relation to customer complaints, you must ensure the following details are collected from the customer:
6.1.1. E-mail address
6.1.2. Payment number
6.1.3. Payment amount
6.1.4. Full name of the holder of the originating bank account from which the Payment amount was to be transferred
6.1.5. Name of the bank that holds the account from which the Payment amount was to be transferred or to which the Payment was transferred to, as applicable
6.1.6. Payment date and
6.1.7. In the case of an SMS Payment, the customer’s mobile telephone number
6.2. You acknowledge that any complaints pertaining to Payments made 90 or more days prior to such a complaint may be refused for review by Przelewy24.
7.1. BLIK OneClick has an established complaints procedure for handling any complaints raised. If you do not comply with the given timelines and provide the necessary information/documents, you could face liability and fees. BLIK OneClick reserves the right to charge a complaint handling fee, that will be payable by you, if BLIK OneClick determine at their sole discretion that you were responsible for the event that led to the complaint being lodged.
7.2. In the case of a complaint lodged by a customer in respect of a specific Payment, an unconditional refund of the amount of such a Payment shall be issued to the customer’s bank that approved the Payment, the bank was responsible for authorising the Payment. The refund will be processed by BLIK OneClick through the cancellation of the Payment.
8.1. In the event your customer requests a refund directly from WeChat Pay for a Payment that is not yet settled with you, you must respond within one (1) Business Day after being contacted by WeChat Pay to clarify the issue, otherwise WeChat Pay may refund the Payment to the customer. In all other cases, you must respond to any enquiries from WeChat Pay within two (2) Business Days.
8.2. Refunds for Payments made by using WeChat Pay shall only be carried out through WeChat Pay.
9.1. Where you make use of the Trustly Direct Debit payment method you:
9.1.1. warrant that you have installed relevant and sufficient security features to ensure that you are able to identify a customer making Payments through Trustly Direct Debit
9.1.2. acknowledge that: (a) Trustly has the right (and is obliged) to send funds back to a customer claiming their rights under the rules of a direct debit scheme (Autogiro or SEPA Direct Debit); (b) funds subject to such a claim under a direct debit scheme will be deducted from your account and sent back to the customer without prior notice; (c) Trustly has the right to reserve client funds from your account as lien for the potential obligation on Trustly to transfer funds back to customers; and (d) the funds, which may be reserved from time to time under this clause, will not be available for settlement and
9.1.3. acknowledge that Trustly does not assume any liability for: any losses or damages that you may incur as a consequence of revoked or failed Payments (for instance where funds have not been available on the customer’s bank account at the time of deduction), chargebacks, funds being sent back to a customer in accordance with applicable rules for a direct debit scheme (Autogiro or SEPA Direct Debit); and any fraudulent, illicit or abusive use of the Trustly Direct Debit payment method
10.1. You agree to comply with the terms of use, including the Account Terms of Use, Merchant Terms and Conditions, identification and security policies and procedures and any other applicable documents of the payment methods as updated and supplied from time to time. The terms of use are available online via www.skrill.com.
10.2. You must provide your customers with a clear and fair return and refund policy.
10.3. You agree that any Refunds for Skrill Payments will be carried out via Skrill.
10.4. You acknowledge that surcharges may be applied by Skrill in respect of Payments to certain countries.
11.1. You agree to comply with the terms of use, including the Account Terms of Use, Merchant Terms and Conditions, identification and security policies and procedures and any other applicable documents of the payment methods as updated and supplied from time to time. The terms of use are available online via www.neteller.com.
11.2. You must provide your customers with a clear and fair return and refund policy.
11.3. You agree that any Refunds for Neteller Payments will be carried out via Neteller.
11.4. You acknowledge that surcharges may be applied by Neteller in respect of Payments to certain countries.
12.1. Apple Pay services are provided to you as an additional feature of the Card Acquiring Services.
12.2. You agree to comply with the terms of use of Apple Pay, including the Apple Pay Platform Web Merchant Terms and Conditions available online via https://developer.apple.com/terms/apple-pay-web/ and the Apple Pay Best Practices Guide available via https://ecommpay.com/files/partners/applepay-best-practices-guide.pdf and any other applicable documents of Apple Pay as updated and supplied from time to time.
12.3. You agree that we may forward all relevant information collected from you to Apple Pay, to the extent reasonably necessary for the provision and improvement of Apple Pay services.
12.4. You acknowledge that in addition to any applicable terms and conditions under the Agreement, access to Apple Pay services may be immediately disabled if the average chargeback rate (excluding adjustments and merchandise returns) exceeds two percent (2%) over a thirty (30) day moving period, or other thresholds as applied by Apple Pay from time to time.
13.1. Open Banking is a payment method whereby the payment method provider provides a Payment initiation service to your customer who initiates a credit transfer to your bank account or to Ecommbx. The Open Banking ‘Advanced’ service entails that the credit transfer is made to Ecommbx’s account.
13.2. You acknowledge that an initiated Payment is not a guarantee of the relevant funds to be settled, and the execution of the customer’s credit transfer is the responsibility of their payment service provider.
14.1. Refunds for Doku (Doku Wallet, Virtual Account, Convenience store) Payments will only be made to your customer through their bank account or Doku Wallet.
15.1. Google Pay services are provided to you as an additional feature of the Card Acquiring Services.
15.2. You agree to comply with the Google Pay API Terms of Service available via https://payments.developers.google.com/terms/sellertos/v1_7 and any other applicable documents of Google Pay as updated and supplied from time to time.
16.1. You must establish a help desk dedicated to handling customer queries and complaints relating to the online purchase of products or services and Payments made through Dragonpay. The contact details of the help desk must be clearly identified on your Website or Application and should at least include the office address, email address and any telephone numbers.
17.1. You agree to comply with the Ethical Guidelines of Sofort, which are available at: https://cdn.klarna.com/1.0/shared/content/policy/ethic/en_gb/merchant.pdf
17.2. The Ethical Guidelines may be amended from time to time by Sofort and shall be immediately effective upon publishing the new version of the document.
18.1. You must utilise a mandatory shopper identification protocol specified by Reach, whereby the identity of your customers is verified prior to the processing of the Payment. This protocol may utilise, among other things, device fingerprinting and verification of the customer’s billing or shipping addresses.
18.2. You must have a refund policy that you comply with and under which you are solely responsible for authorising the return of products from your customers in exchange for a full or partial refund. If the policy is deemed by Reach to be non-compliant, you undertake to amend, revise, or modify the policy accordingly. You must make the refund policy available to your customers at checkout.
18.3. The refund policy must stipulate that after ninety (90) days, and to the extent permitted pursuant to local laws, refunds will not be processed.
18.4. If Reach determines, in its sole discretion, that you have a higher rate of fraudulent transactions or chargebacks, or in any case the fraudulent transactions or chargebacks exceed one percent (1%) of your total Payment volume in for any given month, Reach reserves the right to withhold a reserve amount from any settlement owed to you.
18.5. If your actions or inactions result in an indemnity claim against Reach, you will assume full liability with respect to any such claim.
18.6. You consent and authorise us to provide to Reach the information collected from you, and authorise Reach to provide this information to third parties, including, without limitation, to third party risk databases, third party payment providers, and other information providers.
18.7. You may be required to maintain a reserve with Reach for the purpose of managing the ongoing risk of refunds and chargebacks of Reach. The calculation of the amount of the reserves will be based, partially, on the total Payment volume processed for you. The required reserves are subject to periodic adjustment in the sole discretion of Reach, acting reasonably, to mitigate any risks to Reach from your Payments. The ongoing requirement for, and the amount of such required reserves shall be reviewed by Reach on at least a quarterly basis.
18.8. Under Reach’s fraud guarantee service, Reach will be responsible for direct financial loss due to chargeback, but only if such chargebacks is a result of fraudulent activity that does not include friendly fraud. This coverage is subject to the conditions set out below:
18.8.1. Reach will have no responsibility for fraud risk where you subscribe for and/or implement a fraud monitoring tool from a third party, including where you implement your own or a third-party fraud prevention service that overrides the Reach fraud detection systems
18.8.2. You must immediately and without delay report to us any unauthorised or fraudulent Payments of which you become aware. If you fail to report such Payments to us without delay, and in any event no later than thirty (30) days following the Payment, your liability for the relevant unauthorised Payments that occur thereafter is unlimited. If you become aware that the total value of chargebacks and fraudulent Payments in a given month has exceeded or will exceed one percent (1%) of the total Payment volume in that month for a given payment method, you must, within a reasonable timeframe, provide: information on the nature of the issue causing the increased number of chargebacks or fraudulent Payments, how the issue was identified by you, the number of Payments affected, specific details of the activity, measures taken by you to stop the activity from continuing, and a mitigation plan to reduce chargeback and fraud activity in the future
18.8.3. If you subscribe to Reach’s fraud managed services solution, Reach will monitor Payments submitted through its systems for fraudulent activity. If fraudulent activity is suspected for a Payment, Reach will provide you with a recommendation on whether or not to allow the processing of the relevant Payment, based on the risk tolerance agreed with you. You will then decide whether or not to process the Payment. If you process the Payment and the Payment is fraudulent, any financial loss due to chargeback resulting from that Payment will be your responsibility
18.8.4. Where you subscribe to and implement Reach’s fraud managed services solution or fraud guaranteed solution, you will be required to provide certain transaction data for each outbound Payment submitted to Reach, as specified in the fraud data requirements, which are incorporated form part of this Agreement by reference. These requirements are accessible via the following link: https://withreach.com/merchant-terms-of-service.html
18.8.5. Where you subscribe to and implement Reach’s fraud managed services solution or fraud guaranteed solution, Reach may decide to collect a Payment, but then decide to cancel such Payment or initiate a Refund if they suspect fraud or find the Payment suspicious or irregular. Reach will provide access to information on all Payments that fail through their systems for review.
