PayPal Alternative Payment Methods Agreement

APMs

1. In addition to those prohibited activities listed in clause 2 of the Terms, you shall ensure that your business line and the products you sell are not against, do not violate, and are not contrary to applicable laws and regulations, including Indonesian laws and regulations and including but not limited to the following categories:
1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of DOKU could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives

Wallet

Alipay is a digital wallet that can be used by all Customers registered as a member with Alipay.

You will ensure that Alipay Services will not be used for:

1. Illegal political audio-visual products and publications, illegal reactionary cards and program channels, state secret documentations and information, other reactionary articles and speeches.
2. Gambling tools, private lottery, gambling services, lottery tickets, pyramid selling, gold futures, lucky draw, high-risk services.
3. Drug-taking tools, ammunitions and weapons/firearms and accessories, controlled instruments, crime articles, fireworks and firecrackers, poisonous articles and hazardous chemicals, adult drugs (e.g., aphrodisiacs).
4. Credit speculation services (including speculation of Taobao credit rating), credit card cashing services, crowd funding websites, counterfeit currency, bank account Transaction (bank cards), stock, fund, insurance, insurance platform, periodical investment in gold, bank financial products, cashback services, single-purpose prepaid cards, securities, illegal fund-raising, foreign exchange services, virtual currency in foreign accounts, receipts (invoices), Bitcoin, Litecoin, YBcoin and other virtual currency, Transactions, MCard etc., Auction, Pawn, Payment institutions, circulating RMB, foreign currencies.
5. Fetal gender diagnosis, Human organs, Surrogacy services, examination services, medical devices, contact lenses.
6. Hacking-related, malware, other software services which jeopardize Alibaba and the subsidiaries of Alibaba, video chatting services, religious websites, online cemetery and worshipping and other services, computer privacy information monitoring, satellite antenna etc., spying instruments, other personal privacy-harming articles or services, ID card information and other information which infringe other’s privacy, certificate issuing and stamp carving.
7. Foreign-related matchmaking services, items and services in violation of relevant state regulations, poor quality (fake) food, tobacco, crude oil, charities, smuggled articles, special provisions for specific periods of time (e.g. the Olympic Games), cultural relics, luxury goods, auto sales and rental services.

Apple Pay Web

Payment Type

Apple Pay Wallet

Chargeback Risk

Yes

Payment Guarantee

As per the card network rules

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

Please see the Apple Pay Platform Web Merchant Terms and Conditions at https://developer.apple.com/terms/apple-pay-web/ for any specific prohibited goods and services.

Supplemental Terms

Please see additional terms applicable to accepting Apple Pay Web at https://developer.apple.com/terms/apple-pay-web/

Bancontact

Payment Type

Debit Card

Bancontact is a debit card Payment Method, whereby a debit card is issued by an authorised credit institution, which allows customers to directly pay for goods and services from their bank accounts.

Chargeback Risk

No

Payment Guarantee

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 set out within the User Agreement

Supplemental Terms

N/A

Bancomat Pay

Payment Type

Real-time Bank Transfer

Chargeback Risk

Yes

Payment Guarantee

No

Refund Possibility

Yes

Transaction Minimum

€1.00 per transaction

Transaction Maximum

No limit, depending on issuing bank agreement on the max limit amount with the customer

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

1. Bancomat Pay is limited to customers in Italy, the Vatican State and San Marino.
2. You shall ensure that Bancomat Pay’s trademark is displayed and used only in accordance with the applicable requirements set out in the Bancomat Pay Regulation for the Use of Trademarks: https://bancomat.it/it/bancomat/brandbook-guidelines
3. You shall provide the Customer before confirming the payment with:

i) the precise description of the service or the goods purchased;

ii) the total amount of the payment;

iii) a receipt (paper or electronic) bearing the details of the payment.

1. Prohibited: Any goods or services which might:
1. Incite or promote violence or discrimination of any cause;
2. Infringe upon children' s rights or harm or hinder the normal development of the upbringing of a minor;
3. Be related to gambling activities;
4. Be related to explicit sexual nature or content;
5. Harm the reputation of Bizum, PPRO, or related parties involved in the provision of the Bizum services.
2. Prohibited for Transactions executed remotely (e.g. online):
1. Tarot, clairvoyance, esotericism, or related services.
2. Adult content, including but not limited to, erotic style phone services, pornography, and related.
3. Hostess clubs and establishments in which unclothed or topless dancing and similar shows are regularly performed.
4. Social networking.
5. Time-sharing.
6. Transacting over digital assets such as crypto and Non-Fungible Token (NFT) digital assets.
7. Cash withdrawals.
8. Express loans.
9. Debt collection.
10. Debt reimbursement.
11. Websites or portals that compare credits or other financial products, as well as the provision of legal advice or procedures before a public authority, which have a recurring payment service or non-secure operation.
12. Payment facilitators.
13. Market places.
14. Companies with pyramid structure.
15. Bypassing anti-piracy measures (video game consoles).
16. Bypassing security measures for lost or stolen cell phones and tablets.
17. Cloud hosting services (cyberlockers).
18. Subscriptions to journals, newspapers, and similar.
19. Gambling, including but not limited to, sport betting.
20. Auctions
21. Lotteries and games of chance (unless duly registered before the relevant organization).
22. Tobacco, liquids for electronic cigarettes.
23. Seeds, flowers, buds, stones, pollen, ayahuasca, ancestral plants, ingested drops, LSD that have to do with CBD products (see detail in section 6).
24. Mushrooms, hallucinogenic substances, etc.
25. Pipes, grinders, bongs, papers, mouthpieces, and different objects used directly for the consumption of cannabis.
26. SARMs, stores related to the sale of hormones, steroids and substances related to growth hormones (this activity is not regulated by the government).
27. Medications requiring a doctor's prescription.
28. Firearms and replicas (modifiable or not), including improved slingshots.
29. Bladed weapons and replicas whose blade exceeds 11 cm.
30. Counterfeits and articles that infringe intellectual property.
31. Services of recommendations, advice or any kind of training for virtual casino games, betting and sports predictions.
32. Money remittance services.
33. Reload / Sale of Prepaid Card at payment service providers
34. Sale of cannabis-derived products (CBD) with a THC content higher than 0.2% or that are manufactured and sold outside the EU.
35. Sale of products derived from cannabis (CBD) with a THC content lower than 0.2% but which are not registered in the CPNP. In general, any product or service prohibited by current legislation.
36. Live animals.
3. Prohibited for all Merchants:
1. Street vending unless it complies with the Applicable Law.
2. Erotic phones and pornography (Internet sales with digital audio-visual content.
3. Adult content). Erotic audio-visual content of which there are doubts about its vulnerability of human rights.
4. Nightclubs.
5. Social networking sites.
6. Debt collection.
7. Timesharing.
8. Cash withdrawals.
9. Pyramid-structured companies
10. Counterfeit and copyright infringing goods.
11. Firearms and replicas (modifiable or not), including improved slingshots.
12. Bladed weapons and replicas with blades longer than 11 cm.
13. Cloud hosting services (cyberlockers).
14. Subscriptions to periodicals.
15. Money remittance services.
16. Reloading / Prepaid card sales at payment service providers.
17. Seeds, flowers, buds, stones, pollen, ayahuasca, ancestral plants, drops, ingested
18. LSD products that might be related to products containing CBD.
19. Meteorite related goods.

N/A

BLIK

Payment Type

Real-time Bank Transfer

BLIK is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund Possibility

Yes

Transaction Minimum

PLN 0.01 per transaction

Transaction Maximum

PLN 10,000.00 per transaction

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

You must prominently display, on your website or device as applicable, the BLIK name or Trademarks in a manner consistent with the BLIK Brand Book.

BLIK BNPL

Payment Type

Buy Now Pay Later

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

PLN 0.01 per transaction

Specific Prohibited Goods and Services

None other than the prohibited activities listed in clause 2 of the Terms

Supplemental Terms

1. You must prominently display on your website or device as applicable, the BLIK name or Trademarks in a manner consistent with the BLIK Brand Book which can be found here: https://www.blik.com/lp/payment-without-code/BLIK_OneClick_-_requirements_checklist.html.
2. BLIK has an established complaints process for complaints raised by your customers. Failure to comply with the timelines and requirements to provide information/documents can result in liability and fees. In relation to the complaints process:
1. complaints or other reports registered with BLIK shall be examined by it and any further exploratory actions aimed at examining the complaint undertaken;
2. A complaint handling fee may apply. We will inform you of any applicable fee in advance.;
3. c. we will notify you of the outcome of the complaint examination procedure, as well as whether you shall be liable for the claimed amount;
4. We may ask you to provide information or documents reasonably necessary for us to assess your complaint;
5. e. you must provide us with all available materials required to enable BLIK to process a complaint inquiry within a period of time not exceeding 3 calendar days from the date of receipt of the notification from us indicating such a necessity. If you are not able to send the required materials within 3 calendar days for reasons beyond your control, you are required to notify us of the occurrence of such a situation as soon as possible;
6. If you do not provide the requested information within a reasonable time and this prevents us from properly assessing the complaint, we may make a decision based on the information available, after giving your prior notice;
7. if the complaint has been declined by BLIK, you shall have the right to ask for additional documentation serving the grounds and reasons for the decision to decline such a complaint;
8. in the case of the complaint lodged by one of your customers (end-user) in respect of a specific transaction, an unconditional refund of the amount of such a transaction shall be issued for the benefit of the bank of the customer that authorised that transaction, unless the bank of the customer carried out the authorisation in relation to a given transaction, including the confirmation of that transaction by the customer;
9. the refund of the amount as referred to in the preceding section (h) is conducted by means of revocation of the transaction by BLIK; and
10. you should inform your customer (end-user) that you shall handle the return procedure in case of a refund (e.g. for the delivery of a good) and that BLIK shall handle the transfer, if applicable, of funds back to such customer (end-user).
3. For the use of Blik BNPL services, the following shall also apply:

N/A

1. In addition to those prohibited activities listed in clause 2 of the Terms, you shall ensure that your business line and the products you sell are not against, do not violate, and are not contrary to applicable laws and regulations, including Indonesian laws and regulations and including but not limited to the following categories:
1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of DOKU could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives.

• Drug paraphernalia and drug test circumvention aids, Miracle Cures
• Currency and FOREX, gold bar, investment scheme, any activity associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, payment aggregator, any activity associated with the sale of traveller’s checks or money orders, check cashing business, provide certain credit repair or debt settlement services, credit transactions or insurance activities
• Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes
• Involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent, items encouraging illegal activity, pyramid or Ponzi scheme, matrix program and other "get rich quick" schemes, stolen goods including digital and virtual goods
• Materials containing offensive content
• File sharing services, unlicensed multi-level marketing, time-sharing.

1. You agree to not perform any act, or fail to perform any act, that violates federal, state/provincial, or local law in your respective place of incorporation, including, but not limited to, applicable anti-money laundering and anti-terrorism financing laws. You agree to accept reasonable instructions issued by Dragonpay in relation to the national laws of Malaysia, that Dragonpay may reasonably apply to foreign financial institutions carrying on payment acceptance activities in Malaysia.
2. You must prominently display, on your premises or website as applicable, the brand name and logo of Dragonpay or any other marketing or publicity materials that may be provided to you on behalf of Dragonpay.
3. You are responsible for notifying your customers of the fact that their statement will display “Razer Merchant Services” for the charges associated with the APM instead of your trading name.
4. You must retain copies of all transaction receipts for a minimum period of six (6) months. You shall provide copies of those receipts to PayPal within three (3) business days of receiving such request.
5. You must contact customers by email or telephone in the event that Dragonpay reasonably suspects a transaction may be fraudulent and notifies PayPal thereof requesting that you investigate the particular transaction. As part of such investigation, Dragonpay may request that you provide identification details regarding the customer. However, you shall only be required to provide such information at your own discretion and in accordance with applicable data protection laws.
6. You must include on your website a full description of your trading name, address, telephone number and URL, as well as accurately describe the goods and services being offered for sale, their price, the actions which must be taken to make a purchase, the point at which a sale is completed, and details of delivery, shipping, returns and refund policies.
7. You must resolve any claims or complaints in respect of any purchase of products and/or services made using the APM directly with the customer. You shall have no right of recourse against Dragonpay in the event the customer disputes the underlying contract of sale of such transaction for any reason whatsoever, including without limitation, the quality, overcharging or late delivery of the product and/or service.
8. The acceptance of transactions shall not, in any way, be binding on Dragonpay or PayPal as to the validity of any transaction or transaction receipts. Dragonpay shall not honour any transactions which, in its opinion are not genuine, in which case PayPal shall notify you.

EPS

Payment Type

Real-time Bank Transfer

EPS is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. EPS is facilitated by EPS participating banks.

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject further to these terms and the User Agreement and your compliance with them.

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 set out within the User Agreement

Supplemental Terms

You shall report any events that require reliance on the EPS Payment Guarantee to PayPal without delay.

N/A

Finnish Online Bank Transfer (Verkkopankki)

Payment Type

Real-time Bank Transfer

Finnish Online Bank Transfer is a bank transfer Payment Method.

Recipients can receive real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

EUR 0.65 per transaction

Transaction maximum

EUR 20,000.00 per transaction

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement: illegal gambling; prostitution; counterfeit goods; product piracy; illegal sale or distribution of tobacco products or pornography or the depiction of severe violent acts; Nordea Bank does not allow loading of wallets or prepaid products

Supplemental Terms

1. You shall provide all necessary data in compliance with specifications provided by PayPal. Failure to comply with the specifications for data delivery may result in a delay, suspension or cancellation of processing of effected sales.

2. You shall compensate PayPal for reasonable expenses incurred upon a dispute arising with regard to a Transaction should PayPal actively be involved in mediation or other similar proceedings between a Customer and You.

3. The maximum limit of the liability is the invoiced amount of the sale (sale of products or services by You to the Customer) to which the damages directly relate to or EUR 1,000.00 depending on which amount is lower. However, the total aggregate liability may not exceed EUR 5,000.00. These limitations do not apply if the damages have been caused by willful action or gross negligence.

We reserve the right to refuse or terminate use of the APM if you are involved in high-risk or restricted industries as established in the Fiuu terms of use (as set out here from time to time: https://fiuu.com/terms-of-services/my/fiuu-agreement/), including the following:
Prohibited list:

1. Wildlife trade (i.e., Animals classified as endangered or protected, or in animal products procured through poaching or other illegal practices).
2. Network marketing, and referral marketing programs.
3. Involved the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.
4. Video content customization based on customer preferences.
5. Website mining services i.e., mining of prices on Amazon that breach a website’s acceptable use agreement.
6. Automated bots for purchasing of products, gaming and etc.
7. A corporation/company without active business operations or significant assets.
8. Other goods or services that violate relevant laws and regulations or adversely affect the reputation of Fiuu.

Restricted List:

1. Bidding and binary.
2. Card sharing.
3. Direct-marketing-subscriptions, outbound telemarketing.
4. Drugs, drug equipment & drug test prevention aids, narcotics or steroids.
5. Legal manufacture, sale, or distribution of fireworks & hazardous materials.
6. Forex & Currencies, check cashing business, services which provide certain credit repair or debt settlement services, credit transactions or insurance activities.
7. Legal regulated and legitimate gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether it is legally defi ned as a lottery) and sweepstakes.
8. Precious metal, stones and gold/gold bullion.
9. Involved rebate‐based and up‐selling businesses.
10. Unlicensed pseudo-pharmaceuticals and other products, including miracle cures that make health claims that have not been approved or verified by the applicable local and/or national regulatory /authority body.
11. Payment aggregators.
12. With unlimited / lifetime service period. Such business typically involves selling lease and rent timeshares real estate and arrange timeshare accommodation exchange, or long term / lifetime club membership.
13. Online / mobile games with in-game purchase options.
14. Any businesses related to tobacco and/or related products or services in the local jurisdiction (e.g., cigarettes, cigars, chewing tobacco, herbal cigarettes or tobacco, hookah or shisha molasses product that contains tobacco, nicotine inhalers or sprays, e-cigarettes, e-liquid containing nicotine, or smokeless cigarettes), alcohol and related products.
15. Companies/entities which the nature of business is a platform or provide any type of crypto-currencies services.
16. Trust and corporate formation entities.
17. Any non-profit, charity, or NGO organization, including but not limited to, religious organization and political party.
18. Accountant, lawyer, notaries and company secretaries.

1. You must comply with all applicable laws, including the Malaysian Consumer Protection Act 1999, and avoid misleading, deceptive, or false marketing practices.
2. You acknowledge and agree that it is prohibited to split a single transaction into multiple payments; to impose minimum or maximum payment limits or discriminate against any payment method; provide cash to customers through FPX transactions without prior written consent or refund payments to an account/card not used for the original transaction.

FLOA may not be used for financing transactions linked to an illegal, sensitive or unauthorized activity in accordance with applicable law or of the following list (that may be updated from time to time):

Prohibited Industries:

• Wholesale Tobacco Industry
• Manufacturing of Tobacco Products
• Gambling (Betting activities, Unregulated Gambling and Online/Offline Betting Industry)
• Shell Banks
• Unregistered or Unlicensed Digital Asset Exchange Platforms
• Unregistered or Unlicensed Digital Asset Custodial Platforms
• Motion Picture, Video, TV Production, Music, Pornography Industry
• Cults
• Prostitution
• Cryptocurrency Mixing/Tumbling

Display and advertisement of the APM

You shall behave in an honest, fair, transparent and professional manner, taking into account the rights and interests of your customers (including potential customers), particularly when displaying the APM.

You shall comply with the legal and marketing rules regarding the activation and display of the APM set out in the marketing kit (as updated from time to time) including by adding the banner provided by FLOA to the homepage of your website or the FLOA widget in product sheets.

The marketing kit is available at the following links:

• France: https://www.floapay.fr/kit-marketing-collecting
• Italy: https://www.floapay.it/kit-marketing-collecting-it
• Spain: https://www.floapay.es/kit-marketing-collecting-es
• Portugal: https://www.floapay.pt/kit-marketing-collecting-pt
• Belgium: https://www.floapay.be/fr/kit-marketing-collecting-befr
• Belgium NL: https://www.floapay.be/nl/kit-marketing-collecting-benl

You shall not display the APM in a different form to the marketing kit (including without limitation in terms of material, media or advertising content).

You shall, where content relating to the APM is considered as non-compliant by a competent administrative authority, delete or change the relevant content within the timeline provided by FLOA.

You shall ensure that your website or other display of the APM does not give the impression that the APM is distributed by you acting as a lender.

• Drug paraphernalia and drug test circumvention aids, Miracle Cures
• Currency and FOREX, gold bar, investment scheme, any activity associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, payment aggregator, any activity associated with the sale of traveller’s checks or money orders, check cashing business, provide certain credit repair or debt settlement services, credit transactions or insurance activities
• Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes
• Involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent, items encouraging illegal activity, pyramid or Ponzi scheme, matrix program and other "get rich quick" schemes, stolen goods including digital and virtual goods
• Materials containing offensive content
• File sharing services, unlicensed multi-level marketing, time-sharing

1. You agree to not perform or fail to perform any act that violates federal, state/provincial, or local law in your respective place of incorporation, including, but not limited to, applicable anti-money laundering and anti-terrorism financing laws. You agree to accept reasonable instructions issued by FPX in relation to the national laws of Malaysia, which FPX may reasonably apply to foreign financial institutions carrying on payment acceptance activities in Malaysia.
2. You must prominently display, on your premises or website as applicable, the brand name and logo of FPX or any other marketing or publicity materials that may be provided to you on behalf of FPX.
3. You must retain copies of all transaction receipts for a minimum period of six (6) months. You shall provide copies of those receipts to PayPal within three (3) business days of receiving such request.
4. You must contact customers by email or telephone in the event that FPX reasonably suspects a transaction may be fraudulent and notifies PayPal thereof requesting that you investigate the particular transaction. As part of such investigation, FPX may request that you provide identification details regarding the customer. However, you shall only be required to provide such information at your own discretion and in accordance with applicable data protection laws.
5. You must include on your website a full description of your trading name, address, telephone number and URL, as well as accurately describe the goods and/or services being offered for sale, their price, the actions which must be taken to make a purchase, the point at which a sale is completed, and details of delivery, shipping, returns and refund policies.
6. You must resolve any claims or complaints in respect of any purchase of products and/or services made using FPX directly with the customer. You shall have no right of recourse against FPX in the event a customer disputes the underlying contract of sale of such transaction for any reason whatsoever, including without limitation, the quality, overcharging or late delivery of the product and/or service.
7. Acceptance of transactions shall not, in any way, be binding on FPX or PayPal as to the validity of any transaction or transaction receipts. FPX shall not honour any transactions which, in its opinion, are not genuine, in which case PayPal shall notify you.
8. You shall display on your website’s checkout page all 18 supported banks: Affin Bank, Agro Bank, Alliance Bank, AmBank, Bank Islam, Bank Muamalat, Bank Rakyat, Bank Simpanan Nasional, CIMB Bank, Hong Leong Bank, HSBC Bank, Kuwait Finance House, Maybank, OCBC, Public Bank, RHB Bank, Standard Chartered Bank UOB.

Google Pay

Payment Type

Google Pay Wallet

Chargeback Risk

Yes

Payment Guarantee

As per the card network rules

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

Please see the Google Pay API Terms of Service at https://payments.developers.google.com/terms/sellertos and the Google APIs Terms of Service at https://developers.google.com/terms/ for any specific prohibited goods and services

Supplemental Terms

Please see additional terms applicable to accepting Google Pay at https://payments.developers.google.com/terms/sellertos and https://developers.google.com/terms/

1. GoPay is a bank transfer Payment Method where you receive 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. You shall save all Transaction Details in a secure manner.
2. You shall notify us of any customer complaints pertaining to incorrectly executed transactions, which will be referred to GoPay.
3. In relation to such complaints, you shall collect and provide to us the following details from the customer:
1. E-mail address;
2. Transaction number;
3. Transaction amount;
4. Full name of the holder of the originating bank account from which the transaction amount was to be transferred;
5. 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;
6. Transaction date; and
7. In the case of payment from a card: the name of the card;
8. 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 GoPay.

GrabPay

Payment Type

Wallet

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject to these terms and the User Agreement and your compliance with them.

Refund possibility

Yes

Transaction minimum

SGD 0.01

Transaction maximum

SGD 5,000.00

Specific Prohibited Goods and Services

In addition to any prohibited goods or services set out within the User Agreement, please see the Supplemental Terms below.

Supplemental Terms

1. The Merchant shall abide by the GrabPay Terms of Service, which include GrabPay’s Privacy Notice (to be found on https://www.grab.com/sg/terms-policies/).
2. The Merchant shall not impose a surcharge or any other fee for accepting GrabPay as a Payment Method without GrabPay’s prior written consent. This does not prevent Merchants from charging a handling fee in connection with the sale of goods or services.
3. Refunds shall only be initiated through the GrabPay system interface provided by the APM provider. If a Merchant uses any alternative method for the refund, including but not limited to bank remittance or cash refund, GrabPay shall not be a party in any way and such refund shall be between the Merchant and the Customer.
4. Upon request, the Merchant shall cooperate as may be necessary to investigate a Transaction, including providing to the APM provider any documentation and/or information related to a Transaction within fourteen (14) days and, if applicable, shall take all steps necessary to comply with this cooperation requirement.
5. Based on this investigation, GrabPay will decide if a Transaction needs to be refunded to the Customer. The Merchant is aware and accepts that GrabPay’s decision is final and the APM provider will execute the refund if and as instructed by GrabPay. If a refund to the Customer is required, PayPal and the Merchant are fully liable for any refund amount as well as any other costs directly associated with such refund.
6. GrabPay reserves the right to impose restrictions to the service at any time, including rejecting or limiting Transactions.
7. The Merchant shall treat GrabPay on par with any other Payment Methods offered, on Merchants’ websites, its advertising and promotional materials and its other external publications. In particular:
   1. a) The placement of the GrabPay logo and selection buttons are substantially similar to the placement of alternative means of payment, and that the prominence of the GrabPay logo and selection buttons are equal to other means of payment;
   2. b) GrabPay receives treatment equal to alternative means of payment in the checkout flow of a Merchant’s point of sale, and in the terms, conditions, restrictions, or fees offered or given by Merchants to Customers; and
   3. c) Nothing inhibits or disadvantages a Customer’s selection of GrabPay, dissuades the user from using GrabPay, or encourages the Customer to use an alternate Payment Method.
8. The Merchants offering GrabPay to their Customers commit not to (i) mischaracterize or disparage GrabPay as a method of payment or as a company or (ii) claim that another Payment Method is superior or preferable to GrabPay or express a preference for other Payment Methods over GrabPay.
9. The Merchant will stop using GrabPay‘s logos, Trademarks or other marks (the “GrabPay Marks”) within thirty days of receiving a request to do so if GrabPay determines in its reasonable discretion that the use tarnishes, blurs, or dilutes the GrabPay Marks or misappropriates the associated goodwill.
10. The Payment Method GrabPay may not be used for certain goods and services which are listed below as well as in the GrabPay Terms of Service. GrabPay reserves the right to update the GrabPay Terms of Service at any time and in case of any discrepancies between the list below and the GrabPay Terms of Service, the GrabPay Terms of Service shall prevail.

a) Adult media depicting or related to illegal activity such as child pornography, rape, incest, etc.; sexually-oriented materials or services; any goods or services promoting hate, violence, harm, or intolerance in any form;

b) Airlines of all kinds including but not limited to regular commercial airlines, low-cost carriers, charter and flight tour operators, private jets and helicopter taxi; unlicensed travel agents; hotels and accommodation services of any kind (such as hostels, apartments, serviced apartments, motels, resorts, villas); property sharing, timeshares, house-swapping, sub-letting, bed & breakfast, and similar businesses; event organizers, sale/resale of tickets, event planning, and related services;

c) Alcoholic products and beverages; tobacco products, cigarettes, cigars, electronic cigarettes and related products (such as spare parts and recharges); jewelry, gems, stones, and precious metals; automotive sales (new and used motor vehicles of any kind); oil and gas, petroleum, and derived products; prepaid phone cards, phone services, and cell phones; spas, relaxation and massage services

d) Branded, trademarked or copyrighted goods of any kind unless the seller is the intellectual property/copyright holder or licensee, circumvention services, devices, or software used to circumvent the law or remove copyright protections; items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of Singapore or any jurisdiction; essay mills, paper mills and homework services;

e) Computer technical support and IT help desks; file sharing and related services; sale of social media activity, click farms including but not limited to the sale of Facebook likes, Twitter followers, YouTube views; subscriptions, memberships, free trials and any similar business models where a purchase is conditioned by a subscription

f) Deceptive business practices such as Ponzi/pyramid schemes, multi-level marketing, guaranteed results, investment or trading courses and services; offering or receiving payments for the purpose of bribery or corruption; items that encourage, promote, facilitate, or instruct others to engage in illegal activity; stolen goods including unlawfully acquired or copied digital and virtual goods; the sales of products or services identified by Singapore government agencies to have a high likelihood of being fraudulent or to be being transacted by the Customers in violation of Singapore law; the personal information of third parties in violation of Singapore law; no-value-added services of any kind, including but not limited to resale of government offerings without authorization or added value, services that are unfair, deceptive, or predatory towards consumers;

g) Financial services of any kind, such as lending, micro-lending, investment schemes, escrow, collection agencies, bail bond services, debt collectors, credit aggregation, consolidation services, credit card protection and similar services; crowd sourcing and crowd financing businesses, lending clubs, offering equity or rewards of any kind; cryptocurrency, Bitcoin, online currency, gaming coins, online gold, and similar virtual assets; certain credit repair, debt settlement services, credit transactions, or insurance activities; money service businesses such as remittance, transfer, money orders, prepaid gift cards, stored value facilities, quasi-cash, foreign exchange of currencies, and similar services (other than in relation to the international remittance business services detailed in the GrabPay Terms of Service); the sale of travelers’ cheques or money orders; legal and tax consultancy, bankruptcy and any similar services;

h) Foreign government entities including but not limited to embassies and consulates; government, law enforcement, and military-issued items including but not limited to uniforms, badges, decorations, unless historical and/or clearly not genuine or official (e.g. toys);

i) Gambling, gaming, and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse, or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling), and sweepstakes;

j) Any goods or services subject to UN Security Council’s sanctions; human parts of any kind, including but not limited to organs, body parts, human remains, body fluids, stem cells, embryos;

k) Healthcare, pharmaceuticals, supplements, nutritional products of any kind, medical supplies of any kind; narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety; illegal drugs, tobacco, or health products; substances designed to mimic the effects thereof; related accessories and products used to create or consume them such as bongs, hookahs, and similar devices; private medical practices and e-doctors;

l) Political, religious, spiritual, charitable, and non-profit organizations of any kind; fortune tellers, astrology, card reading, tarot, hypnosis; and similar services;

m) Sale of animals or pets of any kind; products of wildlife trafficking, illegal hunting, and poaching of endangered species such as marine mammals, shark fins, rhino horns, ivory, deer musk, bear bile, tiger penis, and any similar products;

n) Weapons of any kind including firearms, ammunition, knives, nunchakus and related products, parts or accessories thereof; weapons or knives regulated under Singapore law; toys, gifts, and replicas of any kind resembling closely any of such items; flammable, explosive, pyrotechnic, toxic, and hazardous materials including but not limited to fireworks, explosives, radioactive materials and substances, and gunpowder.

iDEAL

Payment Type

Real-time Bank Transfer

iDEAL is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. iDEAL is restricted to use by customers who have been issued an online bank account that is iDEAL compatible and held at a bank based in the Netherlands.

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee means every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject further to these terms and the User Agreement and your compliance with them.

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

1. You must make the information about the complaints procedure easily available to customers on your website.
2. You are not permitted to offer the iDEAL Payment Method via e-mail link services unless you obtain the prior written permission of PayPal. An iDEAL payment link is a URL that leads to your payment page on which a customer can initiate an iDEAL transaction.
3. You must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL payment method as may be notified to PayPal or you from time to time.
4. The iDEAL Merchant Integration Guide can be accessed here: https://www.ideal.nl/en/businesses/offer-ideal/; you must adhere to the terms and conditions for the use of iDEAL, including the use of the iDEAL logo, as described at https://ideal.nl/en/ideal-wero-branding.
5. You shall report any events that require reliance on the iDEAL Payment Guarantee to PayPal without delay.
6. Where at PayPal’s sole discretion you are deemed to be high risk, PayPal reserves the right to request you to implement a Customer registration process to record at least the following data concerning the Customer:

a) Name and e-mail address;

b) Account number and name for the bank account number which is being used to make purchases via the iDEAL Payment Method;

c) Additional information for verification in step 2 and the monitoring of Transactions, for example:

i. IP address

ii. Browser fingerprint

iii. Mobile number

1. In addition to those prohibited activities listed in clause 2 of the Terms, you shall ensure that your business line and the products you sell are not against, do not violate, and are not contrary to applicable laws and regulations, including Indonesian laws and regulations and including but not limited to the following categories:
1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of DOKU could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives.

• Drugs including but not limited to narcotics, drugs or its derivatives;
• Products that in the opinion of the payment method could potentially incite hate, violence, racial anger, or terrorism;
• Gambling or betting;
• Human trafficking and trade of protected endangered animals; and
• Weapons, military equipment, and explosives.

The participating banks for this APM will be as notified by PayPal from time to time.

1. In addition to those prohibited activities listed in clause 2 of the Terms, you shall ensure that your business line and the products you sell are not against, do not violate, and are not contrary to applicable laws and regulations, including Indonesian laws and regulations and including but not limited to the following categories:
1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of DOKU could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives.

1. Prohibited activities (in addition to those listed in clause 2 of the terms):
1. Multi-level marketing (MLM) companies;
2. Gold bars (or other precious metals), stocks, crypto, or any other potential products that could lead to cash out fraud;
3. Any products that are prohibited by law such as gambling, pornography etc.
4. Wallet top-ups, installment payments (example: motorcycle or house installment), credit card bill payments etc.

N/A

1. In addition to those prohibited activities listed in clause 2 of the Terms, you shall ensure that your business line and the products you sell are not against, do not violate, and are not contrary to applicable laws and regulations, including Indonesian laws and regulations and including but not limited to the following categories:
1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of DOKU could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives.

N/A

MB Way

Payment Type

Wallet

MB Way is a Payment Method restricted to customers in Portugal. MB Way is made available by the association of a card with one or more aliases (mobile phone number, e-mail address, or others that may be deemed appropriate by PayPal).

Chargeback Risk

No

Payment Guarantee

No

Refund Possibility

Yes

Transaction Minimum

N/A

Transaction Maximum

Depends on the bank and user limit

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

N/A

Multibanco

Payment Type

Real-time Bank Transfer

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

Chargeback Risk

No

Payment Guarantee

No

Refund Possibility

N/A

Transaction Minimum

N/A

Transaction Maximum

EUR 99,999.99 per transaction

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

N/A

MyBank

Payment Type

Real-time Bank Transfer

MyBank is a bank transfer Payment Method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

For the avoidance of doubt and in addition to any prohibited goods or services set out within the User Agreement: Activities which could be punishable as endangerment of minors, paedophilia, pornography, for infringement of works protected by intellectual property rights and means of payment, the non-compliance with the protection of personal data, with systems automated data processing, acts of money laundering, non-compliance relating to gambling and betting, horse racing, lotteries and provisions relating to conditions of exercise of regulated professions.

Supplemental Terms

You are not permitted to use My Bank Logo and additional intellectual property rights other than as permitted for these alternative payment methods services. For any further use please comply with MyBank Style Guide for Businesses found at the following website https://www.mybank.eu/mybank/mybank-style-guidelines-for-merchant-websites/. If you attempt to use the MyBank Logo in an unauthorised manner, in a manner that is not intended or allowed, or in significant contravention of these requirements, we reserve the right to revoke our services.

You shall ensure that your business line and the products sold by you, are not against, in violation of and/or contrary to laws and regulations, including Indonesian laws and regulations, including but not limited to the following categories:

1. drugs including but not limited to narcotics, drugs or its derivatives;
2. Products that in the opinion of OVO could potentially incite hate, violence, racial anger, or terrorism;
3. gambling or betting;
4. human trafficking and trade of protected endangered animals; and
5. weapons, military equipment, and explosives.

N/A

• Financial services regulated by Comisión Nacional Bancaria y de Valores and related to the access to finance and investment, issuing, administration, redemption and transmission services of electronic payment funds, operating for this purpose as ‘novel and/or ‘novel models’, electronic payment fund institutions, crowdfunding platforms or virtual asset crowdfunding platforms, or virtual assets - (‘FTTs’);
• Utility bills and payment for the following services: telecommunications (TAE connectors, Mobile Virtual Network Operators, phone chips, pay TV, fixed telephony, fixed internet, data plans), energy, gas and/or water;
• Streaming services (audio and video streaming services may be integrated into the online payment platform only through tripartite contracts signed between OXXO, PayPal and you(for branded commercial alliances only);
• Governments: Any municipal, state, or federal tax authorities or similar;
• Public transportation;
• Public educational institutions;
• Mobile airtime/airwave related purchases, post-paid phone plans, and mobile data plans;
• Gift card or digital gift card pin purchases;
• Electronic payment terminal recharges (recharging points of sale where payment of services or sale of TAE is accepted);
• Payments at pharmacies, self-service stores, supermarkets;
• Payments for illegal businesses or those against FEMSA's Ethics Code (including without limitation pornography, psychotropic substances);
• Payments to financial institutions regulated by the National Banking Commission including:
• Debit/credit card deposits
• Remittance deposits
• Loan payments (except Sociedades Financieras de Objeto Múltiple (SOFOMs), Sociedades Financieras de Objeto Limitado (SOFOLs), and Sociedades Financieras Populares (SOFIPOs) companies are multiple-purpose financial companies under Mexican law whose main objective is granting loans and credit),
• Cryptocurrency and other digital assets.

OXXO is a Payment Method only available in Mexico enabling customers to pay in cash for goods and services purchased on the internet at various authorised payment points such as supermarkets. We do not have control over such payment points and accordingly do not guarantee the availability of OXXO in Mexico from time to time.

1. You must ensure that the possessor of a paysafecard voucher, i.e. the person who physically holds the vouchers (the “Card Holder”) can use no more than a maximum amount of EUR 1,000.00 with up to ten cards per transaction.
2. Upon our request, you must provide to us data regarding individual paysafecard transactions and any related personal information regarding the customer that initiated such transactions including name, date of birth, personal address, identity and address documentation of the customer.
3. You must comply with respective statutory regulations, in particular to any necessary obligations pursuant to AML-monitoring and notification duties.
4. A paysafecard transaction is made in two steps: first, the Card Holder makes a reservation (disposition), following which an irrevocable debit takes place. The period between the disposition and the debit is referred to as a “Disposition Period” and is limited to a maximum of one hour. Within the Disposition Period, the debit frmust be requested otherwise, the reservation will be released again for the benefit of the Card Holder.
5. Data entered by the Card Holder will be verified. In case insufficient funds are determined, i.e. if the credit allocated to the paysafecard is not sufficient to purchase the goods or services, the Card Holder will be notified accordingly and the entire Transaction will be cancelled.
6. You must not provide goods or services to paysafecard Card Holders without booking the paysafecard Transaction beforehand.
7. If the Card Holder exercises any cancellation right with regards to the purchase of goods or services from you, this may only affect the underlying payment and/or booking process within the time constraints of the Disposition Period. If the amount disposed by the Card Holder has already been debited, a chargeback will not be possible.
8. Transaction limits:

PayU

Payment Type

Real-time Bank Transfer

PayU is a bank transfer Payment Method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

PLN 0.01 per transaction; CZK 0.01 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement: Prescription medicines, pharmaceutical products and dietary supplements not permitted for sale; drugs, intoxicants, including designer drugs, as well as equipment and technology used for their farming, production, trade, etc.; gambling without legal authority; weapons, ammunition and gas launchers; online services with pornographic content, e.g. chat rooms, video cameras, VOD movies; financial products and services if offered as part of an activity not supervised by competent financial supervision authorities; malware, e.g. rogueware, viruses, etc.; political parties and related websites used to support them or collect funds for political activities; crowdfunding; intermediaries accepting payments on behalf of many recipients without legal authority or not meeting the requirements of card associations/intermediate bodies.

Supplemental Terms

1. You shall ensure that the Customer is informed in clearly recognizable and easily accessible form that transactions made via the PayU Payment Method are irrevocable.

2. PayPal and PayU are not liable for any additional charges due to incorrect bank details if you have not ensured that only correct bank details are submitted.

3. Merchants using the PayU Payment Method are liable for all unauthorised or fraudulent Transactions made with the Payment Method.

4. You shall ensure that:

a) any Customer identification and/or authenticating data that could be used to place orders shall not be stored electronically or written down in another form;

b) during the input of Customer identification and/or authenticating data that could be used to place orders, third parties are prevented from obtaining such data.

Disclosure of Customer identification and/or authenticating data to third parties is strictly prohibited.

N/A

Przelewy24 (P24)

Payment Type

Real-time Bank Transfer

Przelewy24 is a bank transfer Payment Method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

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 set out within the User Agreement

Supplemental Terms

Every transaction is associated with a unique transaction number and other details (the “Transaction Details“) in order to facilitate enquiries or potential complaints. You shall save the Transaction Details in a secure manner. Any complaints pertaining to incorrectly executed transactions shall be submitted directly to PayPal who will thereafter forward the matter to Pzrelewy24 Payment Scheme for investigation. In relation to such complaints, you must provide the following details:

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.

Safetypay

Payment Type

Real-time Bank Transfer

Safetypay is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

Yes

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

EUR 15,000.00

Specific Prohibited Goods and Services

In addition to any prohibited goods or services listed above, You shall not use Safetypay to accept payment for, make payment to, or, directly or indirectly, facilitate: Bootleg recordings; counterfeit items; embargoed goods; illegal drugs and paraphernalia; offensive, racially or culturally insensitive material; adult content, materials, and/or services, including, but not limited to adult books and videos, adult telephone conversations, adult websites, companion/ escort services, dating services (sexually oriented), mail order brides, miscellaneous adult entertainment; cash; damages, losses, penalties, or fines of any kind; costs or fees over the normal price of Merchants’ goods or services (applicable taxes) or charges that Customers have not specifically approved; overdue amounts, or amounts covering returned or stop-payment checks; sales made by third parties; amounts that do not represent bona fide sales of goods and services by Merchant’s business (e.g., purchases by Merchant’s owners (or their family members) or employees); illegal business Transaction; money laundering or the financing of terrorist activities.

Supplemental Terms

N/A

Satispay

Payment Type

Wallet

Satispay provides a bank account enabled mobile payment platform.

Chargeback Risk

No

Payment Guarantee

Yes

Refund possibility

Yes

Transaction minimum

EUR 0.01

Transaction maximum

N/A

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed above, You shall not use Satispay to accept payment for, make payment to, or, directly or indirectly, facilitate:

a) Telecommunication services, including local and long distance calls, credit card calls, calls through use of magnetic stripe reading telephones and faxes;

b) Money Orders - Wire Transfer;

c) Pawn shops;

d) Outbound telemarketing;

e) Inbound telemarketing;

f) Ticket Agencies (Radio, television and other direct Marketers not elsewhere classified);

g) Financial institutions — manual cash disbursements;

h) Financial institutions — automated cash disbursements;

i) Loan Payments, Institution;

j) Non-financial institutions — foreign currency, money orders (not wire transfer), scrip and travelers’ checks;

k) Dealers—Securities, Mutual Funds, Stocks, Commodities, Bonds;

l) Timeshares;

m) Dating and escort services;

n) Buying and shopping services and clubs;

o) Consumer credit reporting agencies;

p) Employment agencies and temporary help services;

q) Betting (including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers).

Supplemental Terms

Merchants acknowledge and agree, that personal data will be transferred to Satispay for processing of transactions. Such personal data will be processed by Satispay in accordance with its privacy notice, which can be found at: https://static-www-satispay-com.s3.amazonaws.com/privacy/Payment-Scheme/Satispay-Payment- Scheme_Privacy-en.pdf

• Car & Truck Dealers (Al l Types
• Camper/Recreational Deal
• Petroleum Products
• Testing Laboratories
• Charitable & Fundraising Organizations
• Metal Service & Roofing/Siding
• Specialty Services (Cleaning/Trade)
• Ambulance Services
• Trucking, Freight, Deliveries
• Airports & Toll Fees
• Telecom Services & Sales
• Money Orders & Cash Disbursement
• Boat/Motor Home/Mobile Home Dealers
• Catering & Eating Places
• Wrecking Yards/Salvage
• Direct Marketing (All Types)
• Cigars, Newsstands, Pawn Shops
• Manual Cash/Payout, Stored Value
• Consulting, Detective Agencies, PR
• Gambling/Betting/Casino
• Bail/Bond Payments
• Video/Audiovisual Rental
• Freezer/Locker Meat Provisioners
• Souvenir/Gift/Novelty Shops
• Electrical/Masonry/Plaster
• Warehousing & Storage
• Industrial Supplies/Chemicals
• Wholesale Clubs/Retail Specialty
• Service Stations/Fuel Dealers
• Drinking Places/Bars
• Real Estate/Timeshares
• Laundries/Dry Cleaners
• Dating/Escort Services
• Credit Reporting/Support
• Exterminating/Welding Repair
• Employment/Temp Agencies
• Info Retrieval/Programming
• Truck Stops/Rentals, Towing
• Government Lotteries/Casinos/Racing
• Pool/Bowling/Country Clubs
• Civic/Political/Religious/Automobile Associations
• Accounting/Legal/Professional Services
• Court Cost/Fines
• Government Services/Postal
• Firearms, Ammunition/Guns
• Intra-Company Purchases/Furriers
• Stamp & Coin/Arcades/Game Shops
• Advertising/Tax Prep/Architectural
• Building/Materials/Durable Goods
• Miscellaneous Services/Business/General
• Door-To-Door Sales/Buying Services
• Agricultural/Landscaping/Courier

• Scalapay retains sole discretion to approve or decline transactions and limit or suspend your access to the APM if the default rates exceed 2.39%.
• If you are suspended for high default rates, Scalapay will aim to minimize service disruption and will cooperate with you for continuity when circumstances permit (e.g., during commercial events or fraud spikes).
• In the event that the customer suspends, discontinues or makes a claim relating to the scheduled payments and/or non-delivery of the applicable goods or services, you shall be obliged to provide Scalapay in writing within the period of 7 (seven) days from the receipt of the customer action with the following:
• in relation to tangible goods: confirmation that such goods have been delivered to the customer, including documentary evidence of such delivery (i.e., receipt issued in store, name of courier, tracking number, receipt of online order, etc.).
• in relation to the provision of services: proof of the performance or delivery of the service.

If you fail to provide the information referred to above or you are unable to prove such information within the time period specified, the purchase shall be deemed not to have been made and you shall be liable to Scalapay for an amount equal to the total cost of the goods and/or services.

You shall not use the Skrill APM to send or receive payments as consideration for the sale or supply of: satellite and cable TV descramblers, material which incites violence, hatred, racism or which is considered obscene, government IDs and licences including replicas and novelty items and any counterfeit products, unlicensed or illegal lotteries or gambling services (including without limitation the use of or participation in illegal gambling houses), unregistered charity services, items which encourage or facilitate illegal activities, prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to purchases of particular products or services, third party processing or payment aggregation products or services, multi-level marketing, pyramid selling or ponzi schemes, matrix pro grammes or high yield investment programmes, un-coded/miscoded gaming, timeshares or property reservation payments (on and off plan).

You shall not make payments to or to receive payments from persons or entities offering illegal gambling services, including (but not limited to) illegal sports betting, casino games and poker games. Countries where online gambling is illegal include the United States of America, Turkey, China, Malaysia and Israel. This list is not exhaustive and you must not use Skrill for transactions that may be considered illegal.

The following payments require approval from Skrill in its sole discretion: money exchange or remittance businesses, including but not limited to bureaux de change, currency exchanges and purchase of travel money; the collection of any form of donations or payments to charitable or not-for-profit organisations; dealing in natural resources such as jewels, precious metals or stones; live streaming the sale or supply of alcoholic beverages; the sale of supply of dietary supplements and alternative health products; any other business category published in an acceptable use policy on Skrill’s website from time to time.

The APM is not permitted to be used if you are residing in any of the following countries: Afghanistan, Cuba, Iran, Myanmar, Nigeria, North Korea, North Sudan, Somalia, South Sudan, Syria or Yemen. This list is not exhaustive and Skrill may in their sole discretion decide to discontinue or restrict their services in other countries at any time and without prior notice.

1. References to an “e-money Account” in these Supplemental Terms is reference to a Skrill electronic money account.
2. You shall at any time and upon written notice from PayPal, cease processing Skrill payments immediately.
3. If a payment transaction into the e-money Account is reversed for any reason whatsoever or the e-money Account incurs a negative balance, we reserve the right to deduct the full amount of the payment and any applicable third party chargeback or reversal fees from the e-money Account.
4. You shall ensure that your website remains accessible for the purpose of conducting manual checks or automated searches in order to investigate the accuracy of information contained on your website in relation to the APM.
5. You shall provide your customers with a clear and fair return and refund policy.
6. Skrill is entitled at any stage to prevent any sum determined by Skrill (in its sole discretion) from being withdrawn from the e-money Account

1. You and your customer should be based in one of the permitted countries set out here: https://docs.banking-services.lunar.app/countrylist
2. The following brand rules apply to Swish transactions: https://www.swish.nu/marketing-toolbox/general-guidelines
3. You must display the Swish logo on your website and/or app according to the Swish Manuals.
4. For a transaction to be validly executed under these terms, your name should be shown to the end consumer during payment. The end consumer’s name and mobile number should also be informed to you. Additionally, your website must include:
1. Contact information (phone number and/or email address)
2. Description of goods/services, including prices, taxes, and fees
3. Applicable warranties
4. Return and complaint procedures
5. Delivery times and logistics
6. Payment terms
5. In addition to the above requirements, the end consumer must be able to identify the following:
1. Description and price of the ordered goods/services
2. Total price, including taxes, duties, shipping, and other fees
3. Confirmation that payment is made via Swish e-Commerce in SEK (Swedish Krona)
4. Expected delivery date
5. Delivery terms, including return costs and complaint procedures
6. Recipient's name for the goods or services
7. The relevant procedures for refunds.
6. The end consumer must be able to identify the relevant rules to initiate a refund, and you must comply with the relevant consumer protection regulations.
7. You must comply with marketing promises and adhere to applicable laws and regulations regarding contract law, consumer protection, and distance selling.
8. You must cooperate with PayPal in order to prevent and investigate suspected criminal activities involving Swish.
9. You shall not be involved in unsolicited distance selling activities, like cold calling.

• Firearms / weapons, ammunition, fireworks and hazardous materials
• Drugs, drug paraphernalia and drug test circumvention aids, Miracle Cures
• Currency and FOREX, gold bar, investment scheme, any activity associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to fi nance or refinance debts funded by a credit card, payment aggregator, any activity associated with the sale of traveller’s checks or money orders, check cashing business, provide certain credit repair or debt settlement services, credit transactions or insurance activities
• Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene
• Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes
• Transactions that involve the sales of products and/or services identified by government agencies to have a high likelihood of being fraudulent, items encouraging illegal activity, pyramid or Ponzi scheme, matrix program and other "get rich quick" schemes, stolen goods including digital and virtual goods
• Tobacco, alcohol, materials containing offensive content
• File sharing services, unlicensed multi-level marketing, time-sharing, telemarketing.

1. The participating banks for this APM will be as notified by PayPal from time to time.
2. You agree to accept reasonable instructions issued by Thailand Banks in relation to the national laws of Malaysia, that Thailand Banks may reasonably apply to foreign financial institutions carrying on payment acceptance activities in Malaysia.
3. You shall prominently display, on your premises and/or website as applicable, the brand name and logo of, or any other marketing or publicity materials that may be provided to you on behalf of, Thailand Banks.
4. You are responsible for notifying your customers of the fact that the customer’s statement will display “Razer Merchant Services” for the charges associated with the APM transaction instead of your trading name.
5. You must retain copies of all transaction receipts for a minimum period of six (6) months. You shall provide copies of those receipts to PayPal within three (3) business days of receiving such request.
6. You must contact customers by email or telephone in the event Thailand Banks reasonably suspects a transaction may be fraudulent and requests that you investigate the particular transaction. As part of such investigation, Thailand Banks may request that you provide identification details regarding the customer. However, you shall only be required to provide such information at your own discretion and in accordance with applicable data protection laws.
7. You must include on your website(s) a full description of your trading name, address, telephone number and URL, as well as accurately describe what goods and/or services are being offered for sale, the price, the action which must be taken by a customer to make a purchase, the point at which a sale is completed, and details of delivery, shipping, returns and refund policies.
8. You must resolve any claims or complaints in respect of any purchase of goods and/or services made using the APM directly with the customer. You will have no right of recourse against Thailand Banks in the event a customer disputes the underlying contract of sale of any transaction, for any reason whatsoever, including without limitation, the quality, overcharging or late delivery of the goods and/or services.
9. You acknowledge that acceptance of transactions shall not in any way be binding on Thailand Banks as to the validity of any transaction or transaction receipts. Thailand Banks shall not honour any transactions which in its opinion are not genuine, in which case PayPal shall notify you.

Trustly

Payment Type

Real-time bank transfer

Chargeback Risk

No (once the money is settled in the Merchant account)

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

EUR 0.01 per transaction. (Subject to conditions imposed by customer’s bank)

Transaction maximum

Subject to conditions imposed by customer’s bank

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement: Bitcoin

Supplemental Terms

(1) You shall ensure that Trustly’s logotype(s) and trademark(s) are exposed and presented in an appealing and appropriate manner, and in accordance with the applicable service presentation requirements as set out at: https://trustly.com/en/developer/documents.

(2) You acknowledge and agree that: (a) The Trustly service is dependent on the functionality of third-party systems, primarily banks, and Trustly does not guarantee the functionality of its service in the event of any failure, malfunction, or adjustment within, or associated with, such third-party systems; (b) Transaction speeds may be adversely impacted at those times when transaction volumes spike or peak significantly, or during the planned maintenance of the Trustly service; and (c) PayPal and Trustly are not liable for any loss or damage due to any degradation of the functionality of third-party systems as described in sub-section (a) herein, or during significant peaks of transaction volumes or the planned maintenance of the Trustly service as described in sub-section (b) herein.

You must not accept TWINT for:

1. transactions that are illegal or immoral under the legislation applicable to the legal transaction with the respective TWINT user or that require official approval that has not been granted to you;
2. transactions that are assigned to the industry categories “weapons and munitions”, “pornography”, “betting and gambling” or “auctions”;
3. transactions for the topping up of other payment methods (e.g. prepaid cards, voucher cards or e-wallet solutions).

1. You:
1. acknowledge that TWINT is not a party to the agreement between you and us;
2. confirm TWINT will process the transactions initiated by you; and
3. the substance of the terms contained in this section 3,79,1 of the ToU.
2. We reserve the right to retroactively classify you as “Domestic” (based in Switzerland), “EEA” based, or non-EEA based. Such classification shall have an impact on the costs borne by us and, consequently, on the pricing previously allocated to you. You shall be fully liable and shall keep us fully indemnified against any additional surcharges, fees, costs, or other damage arising from such re-classification.
3. We may request documentation from you to verify your location every six (6) months following activation or onboarding. Such documentation may include attestations, statements, or other relevant proof of location. We reserve the right to reclassify you and adjust your assigned location (including applicable pricing) based on its own assessment criteria, regardless of previously submitted documentation.
4. You undertake to:
1. never divide a single payment into several TWINT transactions;
2. never to give other payment means preferential treatment over the TWINT payment method, in particular, never to levy a surcharge or payment using TWINT or to grant TWINT users a discount if they choose other payment means;
3. never pay out cash or issue loans against TWINT payments;
4. only accept the TWINT payment method for services that can be provided immediately, unless the customer is informed in writing (including via e-mail) about the later provision of the service;
5. confirm a TWINT pre-authorisation as soon as the actual amount is known; and
6. take measures expected of a prudent business aimed at preventing misuse of the TWINT system and to immediately report any suspected misuse.
5. If you do not receive a transaction confirmation after the processing of a transaction, you shall contact us prior to issuing the goods and/or services.
6. If a customer disputes the validity or binding nature of a transaction, you shall provide TWINT or us with the necessary support in clarifying the situation. Upon request, TWINT must be provided with physical copies of the required receipts or order data and documents in writing within ten days.
7. You shall ensure that TWINT chargebacks and credits are kept below the following limits each month:
1. Ratio of total volume of chargebacks plus credits to gross turnover of less than 2% per month;
2. Ratio of number of chargebacks plus credits to number of transactions of less than 1% per month.
   Should either of these limits be exceeded, or should fraudulent transactions occur too frequently, or during the investigation of suspected fraud, TWINT shall have the right to defer the payment of processed transactions by up to 540 days. Penalties and processing fees of the TWINT licensor shall be passed on to us and we shall be entitled to pass such penalties onto you.
8. You shall only be permitted to make a credit to TWINT customers for previously debited amounts. This credit must not exceed the originally debited sum (reversal). If a transaction is to be fully or partially reimbursed to the customer after it has been processed, you shall have the option to make a subsequent credit or partial credit of the transaction amount. You will only have access to the credit function (reimbursement without reference to an earlier transaction) with the consent of TWINT.
9. You shall be obligated to process the reimbursement via the TWINT system. In cases in which you make a credit of this kind, TWINT shall be entitled to request that you reimburse it for the previously debited/paid transaction amount or offsets it against its other accrued payments.
10. When processing distance transactions involving a purchase transaction with the physical delivery of goods, you are required to obtain the last name, first name and residential address of the customer and verify the plausibility of these details; especially in cases in which the residential address and delivery address differ. You must also state the company name used in your online shop or app in all information provided to the customer (e.g. order or delivery confirmations, invoices).
11. Postal or e-mail order transactions can be executed as follows: You shall provide the customer with the QR or other code required for the transaction. The customer scans the code or enters the code in the TWINT app and initiates the electronic processing of the payment.
12. You acknowledge that TWINT will forward data on you to TWINT licensor. The licensor shall use this data for the processing of payments and the provision of services in the areas of payments, mobile marketing and value added services. You expressly consent to the forwarding and use of data by TWINT licensor.
13. TWINT shall be authorised to provide the TWINT licensor or a subsidiary or affiliate company of the TWINT licensor your contact details. You give express consent for the TWINT licensor or a subsidiary or affiliate company of the TWINT licensor to contact you in connection with offers in the areas of mobile marketing and value added services.
14. You grant TWINT the gratuitous right to reproduce your trademarks and logos in an unchanged form within the TWINT communication channels and also in providing the TWINT services.
15. You agree to use the data collected from TWINT users solely to process a transaction and you acknowledge that any use for marketing purposes is prohibited.
16. You undertake to comply with the provisions of the Swiss Federal Act on Data Protection.
17. You agree that TWINT may opt to assert any of its claims against payment processors against you.

1. You may not charge a customer a different price for a purchase than that charged to the customer for other payment methods.
2. You must not charge a customer a fee or charge for using Zip as their payment method.
3. Any refund credit must be by issue of a refund to the customer’s ZIP account and must not be given in cash.
4. If less than the full amount of any sale is included in any purchase, you must obtain alternative payment in full or for the balance due at the time the sale is completed.
5. You must not make any warranty or representation whatsoever to any person which may bind Zip;
6. You must not process a transaction for the payment of a gift card, gift voucher or prepaid stored value card or voucher.
7. You must not use two or more transactions to process one purchase or process a transaction where only part of the amount due is included on the transaction receipt except: (i) where the balance of the amount due is paid in cash or by cheque; or (ii) where the goods or services are to be delivered or performed at a later date and one transaction represents a deposit and the second transaction represents payment of the balance, in which case the second transaction must not be presented or processed until the goods are delivered or the services performed.
8. You must not process a transaction on behalf of another person including another merchant or allow another person to use the Zip merchant facilities.
9. Following each transaction, you must immediately provide the customer copy of the transaction receipt and unless otherwise authorised by Zip in writing, the information on the transaction receipt must be identical with information on any other copy of the transaction receipt.
10. You must retain information about a transaction whether processed manually or electronically for a period of 12 months from the date of the transaction or such other period required by applicable law or notified by Zip from time to time.
11. You must not process a transaction if any of the following conditions apply:
1. it is processed in breach of any of the Zip Payment Services Rules;
2. the transaction receipt is illegible;
3. the particulars on the copy of the transaction receipt given to the customer are not identical with the particulars on any other copy and you have not been authorised by Zip in writing to accept invoices which are not identical;
4. the customer has not received the goods or service and you have failed to provide Zip with proof of receipt of, and satisfaction with, goods or services by the customer within 5 business days of Zip’s request to do so;
5. if you have not otherwise complied with the terms and conditions set by Zip in connection with the transaction and Zip is of the reasonable opinion that such non-compliance may result in Zip suffering a loss;
6. a transaction accepted payment for goods and services without authorization by Zip;
7. the amount of the purchase is billed directly to the customer or payment is received through the use of another credit card or by any other means;
8. in Zip’s reasonable opinion the customer justifiably disputes liability for the purchase for any reason;
9. the transactions is:
1. not for the supply of goods or services to a genuine customer;
2. is for cash out on a Zip account or includes cash out on a Zip account; or
3. represents a transfer of funds, not the supply of goods or services,
10. you have failed to comply with all messages generated by the Zip Payment Service in relation to the transaction.

In addition to any prohibited goods or services set out within the User Agreement, the following goods or services are prohibited:

1. Investment and credit services
2. Financial products or services and money services
3. Legal services
4. Digital currencies
5. Gambling
6. Firearms and ammunition
7. Research chemicals
8. Adult services
9. Products and services that are unfair, predatory or deceptive
10. Telecommunications
11. Click farms
12. High risk businesses, products and services
13. High reputational risk businesses
14. Any business or organization that engages in, encourages, promotes or celebrates violence or physical harm to persons, animals or property, discrimination, exploitation, corruption, human or animal trafficking, terrorism or the funding of terrorism, or money laundering activities

The following goods or services are subject to additional approval from ZIP:

1. eLearnings and educational courses
2. Cannabidiol (CBD)
3. Tobacco products
4. Adult sexually-oriented businesses and adult content
5. Gift cards and stored value
6. Pyrotechnic chemicals and fireworks
7. Travel
8. Pharmaceuticals, nutraceuticals and telemedicine
9. Insurance service providers and brokers
10. Outdoor recreation and tactical gear
11. Live broadcasting and streaming
12. Alcohol
13. Ticketing
14. Ongoing services
15. Prepaid services
16. High value items
17. Other age restricted businesses (i.e., tattoo, piercing)

In addition to the Supplemental Terms for ZIP above, the following shall apply to all US merchants:

1. Processing Transactions

   For customers in the US that elect to defer repayment in connection with the purchase of goods or services, Zip and/or any banks or other financial institutions which issue loans to customers under the Zip brand (“Lending Partner”):

1. When a customer attempts a purchase, Zip’s systems will promptly determine whether Zip and/or any Lending Partner are willing to issue an approval of the transaction amount. The decision to issue or withhold approval is made at Zip’s and/or any Lending Partner’s sole and absolute discretion.
2. You must not, without the prior written consent of Zip, process purchases unless delivery to the customer will be completed within 60 days of the date of the transaction.
3. If you handle cardholder data, you must comply with PCI DSS (or its replacement from time to time), any applicable law, and any direction of Zip in carrying out your obligations in processing purchases and transactions.
2. Invalid Transactions
   A transaction is invalid if:
1. the transaction is recorded in a currency other than US Dollars; or
2. you are supplying goods or service from outside the United States without ZIP’s consent.
3. Marketing

   You agree to:

1. display an approved “Zip logo” and “Zip widget” (which may be updated from time to time) below the purchase price on all product pages on both mobile web and desktop, and any other language or disclosures that Zip or its Lending Partner reasonably believe to be required by applicable law in checkout flows and wherever payment methods are presented to the customer. If required by Zip Co US Inc., you agree to display updated Zip assets and legal disclosures in checkout flows, which may be updated from time to time;
2. display Zip Co US Inc.’s approved legal disclosures on both mobile web, desktop and checkout systems, which may be updated from time to time. Zip Co US Inc. must obtain written approval from an authorized Zip representative if its implementation of the Zip payment services and/or integration with the platform deviates from promotional material and content provided by Zip Co US Inc. from time to time (“Zip Content”);
3. remove, update and/or modify any Zip Content from or on Zip Co US Inc.’s website and/or in-store checkout systems (as applicable), uninstall any software provided and return all Zip Content immediately on termination of this Agreement or if specifically instructed to do so by the Zip Co US Inc. at any time during the term of this Agreement.
4. Your responsibilities

   You will not use the, or facilitate use of Zip payment services, to or for the benefit of a country, organization, entity, or person embargoed, or blocked by any government, including those on sanctions lists identified by the United States Office of Foreign Asset Control (OFAC) or other relevant authority.

5. Data protection

   You warrant and agree that you are aware of and will comply with:

1. any Data Protection Laws by which you are bound; and
2. any other privacy requirement notified by Zip including Zip’s Privacy Policy displayed at https://zip.co/us/privacy-policy.

You acknowledge that you do not rely on any information or representation supplied by Zip as advice regarding compliance with the Data Protection Laws.

6. Merchant Facilities
1. You agree to indemnify Zip and its Lending Partner and keep Zip indemnified against any liability or loss, expenses, damages, and costs (including legal costs and attorney fees) sustained or incurred, arising directly or in connection with:
1. legal or regulatory proceedings brought against Zip or its Lending Partner as a result of or in respect of breaches by you of a purchase or sale contract;
2. any misrepresentation, breach of contract and/or failure of consideration relating to any sale contract for the supply of goods or services by you to a customer; and
3. the termination of any service provided by Zip to a customer in respect of the credit provided by Zip or its Lending Partner due to complaints by a customer in relation to your conduct.
2. Each indemnity in 6a is a continuing obligation, separate and independent from your other obligations and survives termination of the applicable contract for whatever reason.
3. Any indemnity is absolute and is not conditional on Zip and the exercise of any rights Zip may have against the customer.
4. To the extent permitted by Applicable Law, the you represent and warrant that:
1. the purchase, sale contract and any other form of contract or document used in relation to the supply of goods and/or services are valid and enforceable and comply with all applicable law and, in particular, all consumer protection law; and
2. there has been no misrepresentation, breach of contract or failure of consideration by you in respect of any purchase or sale contract to which the Zip payment services relate; and
3. there is no legal action pending against you arising from or relating to a breach of any applicable law or your ability to pay your debts as and when they fall due.
7. Chargebacks
1. If a transaction is an invalid transaction, Zip may, at its sole discretion refuse to accept the transaction.
2. Despite any contract, arrangement or understanding to the contrary, in respect of all transactions processed by you, the customer will be entitled to initiate a chargeback request of the purchase to you where the customer disputes liability for any reason.
3. All chargeback requests are thoroughly investigated by Zip and its Lending Partner as applicable in accordance with its policies and procedures and applicable Law. Communication with you will be maintained at all stages of the investigation process, and you must cooperate during this process.