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 athttps://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 athttps://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

€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/p>

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.

N/A

1. Sale or offering of goods or services that do not fully comply with the applicable law in the jurisdictions where Cobre operates.
2. Sale or offering of narcotics or illicit drugs.
3. Sale or offering of child pornography services.
4. Adult entertainment.
5. Cannabis and derived products.
6. Wholesale trade of waste, scrap, and junk.
7. Pawn shops.
8. Manufacture and commercialization of weapons and ammunition.
9. Extraction and commercialization of gold, precious metals, other non-ferrous metallic minerals, emeralds, precious and semi-precious stones.
10. Activities of exchange houses, and professionals in the buying and selling of foreign currency.

1. Prior approval required. Merchants operating in any of the following sectors may use Botón Bancolombia only with PayPal’s prior written approval, and subject to any additional due diligence, licensing, regulatory, risk, or operational requirements notified by PayPal or its payment method provider:
• digital assets, including crypto-assets, virtual assets, tokens, or related services;
• microcredit, low-value lending, consumer credit, or similar lending products; and
• games of chance, games of skill, betting, gambling, lotteries, prize draws, or similar activities.
2. Colombia gaming requirement. Merchants offering games of chance, games of skill, betting, gambling, lotteries, prize draws, or similar activities to customers in Colombia must hold all registrations, licences, permits, and authorisations required under applicable Colombian law, including any required registration or authorisation from Coljuegos. Such merchants may not use Botón Bancolombia unless PayPal has approved them in writing in advance.
3. No waiver. PayPal’s approval of a merchant under these Supplemental Terms does not waive, limit, or modify any other prohibited goods and services, acceptable use, onboarding, due diligence, or compliance requirements applicable to the merchant or to Botón Bancolombia.

• Adoption Agency
• Pawnshop / Pawnbroker’s shop
• Sexual content, zoophilia, child pornography
• Manipulation of game consoles, unblocking TV channels
• Unblocking cell phones, electronic card programming
• Illegal drugs, hallucinogenic substances
• Money laundering of any origin and related businesses
• Exotic pets, sale and/or breeding of animals
• Business related to currency exchange, forex
• Financing to political organizations
• Natural or legal persons pro-terrorism
• Production, commercialization, arms trafficking
• Services or items that promote racism and discrimination
• Organ trafficking
• Organic, hospital or hazardous waste transportation

APMs

In addition to the prohibited activities listed in clause 2 of the Terms:

• Investment Schemes: Facilitate "get rich quick" schemes such as pyramid schemes, paluwagans, ponzi schemes, network marketing, unlicensed investment vehicles, deceptive charity schemes, referral marketing programs or multi-level marketing programs;
• Fraud: Provision of any false, deceptive, inaccurate or misleading information to Coins, Coins users, or other third parties for pecuniary gain or other ends;
  • Illegal or Prohibited Gambling: The conduct of online gambling, lotteries, casinos and informal gambling, gaming operations, sports betting, and other games of chance and forms of speculation not authorized or licensed by a government agency duly empowered by law to license or authorize the conduct of such activities;
• Unauthorized Financial Institutions and MSBs: Unlicensed money transmission, unlicensed financial services, and other unregulated financial operations. This also includes securities brokers, unlicensed investment vehicles, check cashing services, collections agencies, and bail bonds;
• Drugs: Illegal narcotics, drug paraphernalia, commercial drugs and other controlled substances, and other mind or body altering substances presenting a public health risk;
• Stolen Items: Stolen goods including digital and virtual goods, all goods for which seller does not have clear title;
• Intellectual Property Infringement: Items that infringe or violate any intellectual property rights, including trademark, copyright, privacy or any other proprietary rights. This includes the selling or facilitating of sales of counterfeit or unauthorized goods or activities related thereto;
• Shell Companies: Entities that appear to have no genuine business purpose or are otherwise designed to operate for a purpose other than that which they purport to operate under are prohibited;
• Bearer Shares Entities: Customers transacting with, on behalf of, or in relation to entities for which the identity of beneficial owners are not known and in which ownership stakes are freely alienable are prohibited;
• Adult Services and Media: Services involving prostitution, sale of illegal pornographic materials, and forms of human trafficking;
• High Risk Entities: Any individual, group, or entity deemed to pose an inordinately high risk to Coins, its customers, or other third parties may be considered unacceptably high risk and an unauthorized user;
• Violence: Violent acts towards self or others, or activities or items that encourage, promote, facilitate or instruct others regarding the same;
• Coercion: Extortion, blackmail, or efforts to induce unearned payment;
• Weapon Sales: Unlicensed sale of firearms and certain weapons;
• Terrorism, terrorism financing and proliferation financing and other unlawful activities, as defined by AMLA, as amended; or
• Any goods or services which violates applicable laws, or is otherwise prohibited by any governmental authority, or negatively affects the public.

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

€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 (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 or 1000 EUR depending on which amount is lower. However, the total aggregate liability may not exceed 5000 EUR. 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.

• 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.

APMs

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.

1. The Merchant shall abide by the GrabPay Terms of Service, which include Grab Pay'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, of 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, the PayPal and the Merchanta 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. 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. 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. 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.

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:

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.

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.

APMs

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 ATM s 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 websitehttps://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.

APMs

You are strictly prohibited from listing, selling, or distributing any content or products that are illegal, harmful, or infringe upon the rights of others. This includes, but is not limited to, illegally found or stolen goods; regulated items such as military supplies, alcohol, tobacco, drugs, and prescription medicines; gambling services; and lottery tickets.

Any items of a pornographic or obscene nature, as well as media and products deemed harmful to minors such as age-restricted materials, weapons, and certain adult-oriented goods are expressly forbidden.

You must not violate laws related to food, cosmetics, or medical devices, including making unsubstantiated medical efficacy claims or selling unauthorized samples.

Any products that infringe upon intellectual property rights — such as counterfeit goods, unauthorized copies of media, or items that violate patent, trademark, design, or portrait rights or involve the unauthorized use of another's personal information are strictly prohibited.

Restricted Products: You agree not to sell, offer, or engage in any restricted trade practices, violations of law, or false registration of product information. Prohibited activities include, but are not limited to, the sale of non-tradable gift certificates or discount vouchers; long-term services exceeding a twelve (12) month period; social media promotion services (e.g., sale of "likes"); and virtual asset-related items, which includes the operation, sale, or brokerage of unlicensed virtual currency exchanges and NFTs.

You are prohibited from operating a stock information business, foreign currency exchange service, loan business, casino, or facilitating personal payments and deposits. The sale of physical products is restricted if not delivered through a recognised third-party courier company or if the product is restricted by a source financial institution (e.g., card company, bank). You shall not engage in sales methods that violate applicable e-commerce laws, such as preventing subscription withdrawals or unfavourably treating members paying with a credit card through exclusive discounts for cash payments.

You are forbidden from engaging in false registration of product information, including forcing a purchase price, substituting goods, posting advertisements as product listings, providing inaccurate product descriptions, or registering products frivolously or as a joke.

Allowed Products with Restrictions:

• https://policy.naver.com/policy-mobile/term_en.html?type=1
• Naverpay wallet may be linked by a payer with a payment card or bank account, which is issued by an authorised credit institution and allows payer to directly pay for goods and services. You hereby confirm and agree that the execution of the transfer as well as the possibility of a payer to cancel or revoke a transfer are contingent upon the then current terms and conditions of the payer's bank account.
• You acknowledge that although payment transactions can be executed from payers' accounts - there is no guarantee that payers will be able to make an online bank transfer from every bank account.

• Adoption Agency
• Pawnshop / Pawnbroker’s shop
• Sexual content, zoophilia, child pornography
• Manipulation of game consoles, unblocking TV channels
• Unblocking cell phones, electronic card programming
• Illegal drugs, hallucinogenic substances
• Money laundering of any origin and related businesses
• Exotic pets, sale and/or breeding of animals
• Business related to currency exchange, forex
• Financing to political organizations
• Natural or legal persons pro-terrorism
• Production, commercialization, arms trafficking
• Services or items that promote racism and discrimination
• Organ trafficking
• Organic, hospital or hazardous waste transportation

In addition to the prohibited activities listed in clause 2 of the Terms:

1. Weapons, Ammunition, Explosives
2. Narcotics, Illegal Drugs, Unauthorized Pharmaceuticals
3. Pharmacies — Unauthorized or Illicit Sales
4. Tobacco and Related Products
5. Adult Content, Pornographic Material, Sex Services
6. Gambling, Betting, Lotteries
7. Pawn Shops, Stolen Goods
8. Counterfeit or Unlicensed Pharmaceuticals/Supplements
9. Hacking Tools, Software, or Surveillance Equipment for Illegal Use
10. Live Animals, Endangered Species Products
11. Pyrotechnics and Fireworks
12. Cryptocurrencies and Tokens
13. Financial Institutions — Financial Pyramid/Ponzi Schemes
14. Direct Marketing — Multi-Level Marketing without Authorization
15. Political Campaign Donations
16. Products or Services Promoting Violence or Discrimination
17. Used Goods — Potentially Stolen Merchandise
18. Unauthorized Supplements, Health Products
19. Illegal Streaming or Download Services
20. Fake Documents, Identity Falsification Services
21. Alcoholic Beverages (if prohibited regionally)
22. Charitable/Political Donations (Unverified Causes)
23. Products/Services causing reputational or legal risk
24. Counterfeit/Fake Branded Goods
25. Any Product or Service Not Permitted by Law
26. Services that Violate Intellectual Property Laws
27. Trade in Human Organs or Body Parts

You cannot use Opay if you deal in:

• Cryptocurrency;
• International Money Transfer Order;
• Loan Supermarkets;
• Pornography sites; or
• Foreign Exchange Traders.

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.

• Adoption Agency
• Pawnshop / Pawnbroker’s shop
• Sexual content, zoophilia, child pornography
• Manipulation of game consoles, unblocking TV channels
• Unblocking cell phones, electronic card programming
• Illegal drugs, hallucinogenic substances
• Money laundering of any origin and related businesses
• Exotic pets, sale and/or breeding of animals
• Business related to currency exchange, forex
• Financing to political organizations
• Natural or legal persons pro-terrorism
• Production, commercialization, arms trafficking
• Service or items that promote racism and discrimination
• Organ trafficking
• Organic, hospital or hazardous waste transportation

• Adoption Agency
• Pawnshop / Pawnbroker’s shop
• Sexual content, zoophilia, child pornography
• Manipulation of game consoles, unblocking TV channels
• Unblocking cell phones, electronic card programming
• Illegal drugs, hallucinogenic substances
• Money laundering of any origin and related businesses
• Exotic pets, sale and/or breeding of animals
• Business related to currency exchange, forex
• Financing to political organizations
• Natural or legal persons pro-terrorism
• Production, commercialization, arms trafficking
• Service or items that promote racism and discrimination
• Organ trafficking
• Organic, hospital or hazardous waste transportation

• Drugs, and tools specifically intended for the production of drugs
• Illegal Drugs, substances designed to mimic illegal drugs, and/or other psycho active products (e.g., K2, salvia divinorum, nitrate inhalers, bath salts, synthetic cannabis, herbal smoking blends, herbal incense, and HCG/HGH-like substances)
• Products/services specifically offered or intended to be used to create drugs or grow ingredients for drugs (e.g. 'grow shop' products, seeds for cannabis plants, etc.)
• Escort agencies / massage parlours / sexual services
• Timeshare and timeshare maintenance
• Independent financial advisers (IFA)
• Payday loans and unsecure loan/lines originating from non FDIC insured banks
• Trade of weapons, ammunitions, military arms, explosive devices and firearm parts
• Products/services that promote hate, violence, discrimination, terrorism, harassment or abuse
• Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted materials (e.g. 'mod-chips' to break the encryption of game computers to enable the playing of unlicensed copies of games)
• Providing gambling services in jurisdictions where this is illegal or (where applicable)
• Offering gambling services without a valid license to the relevant jurisdiction
• Illegal products/services or any service providing peripheral support of illegal activities
• Adult entertainment, websites & content such as:
  • Adult book stores, video stores, toys
  • Any products on the internet containing graphic or nude content
  • Audio (phone sex and adult phone conversations)
  • Companion/escort services or Dating services (sexually-oriented)
  • Fetish products
  • Membership, clubs, subscriptions
  • Prostitution
  • Gentleman's clubs, topless bars, and strip clubs
  • Video (web-based sexually oriented video)
• Fake references and other services/products that foster deception (including fake IDs and government documents)
• Mail order spouse and international match-making services
• Social media "click farms" (i.e., the sale of clicks/likes/reviews/endorsements on social media sites)
• Telemarketing companies involved with the following methods of operations:
  • Offering a free gift, prize, or sweepstakes/contest entry as an inducement to purchase their product or service
  • Inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalogue or media advertising)
  • Selling products/services as an agent for a third party
• Engagement in any form of deceptive marketing practice including but not limited to:
  • Hidden disclosure
  • Bogus claims & endorsements
  • Pre-checked opt in boxes
  • Refund/cancellation avoidance
  • Poorly disclosed negative options
• The offering of substantial rebates or special incentives (e.g., free gift, prize, sweepstakes, or contest) as an inducement to purchase products/services
• Negative response marketing techniques by any type of merchant (i.e., customer is automatically charged if they don't return the merchandise at the end of a free trial period)
• Jammers or devices that are designed to block, jam or interfere with cellular and personal communication device/signals (e.g., GPS)
• Decryption and descrambler products including mod chips, Spy devices / services / software

You may only use PayAttitude in relation to any of the following with the express written approval of Unified Payments, which approval Unified Payments may withhold or revoke in its discretion where it finds this to pose a risk to Unified Payments' business and/or reputation:

• Betting and gambling, including:
  • Legal gambling where the cardholder is not present when the bet is made as well as for direct purchase of wagers/chips via payment card
  • Lotteries, including online lotteries
  • Sports forecasting or odds making
  • Internet gambling
  • Games of skill where participants receive cash or cash equivalents or prizes with/of material value (e.g. electronics, travel, gift cards etc.)
  • Fantasy sports leagues where participants receive cash or cash-equivalents or prizes with/of material value (e.g. electronics, travel, gift cards etc.)
• Financial services / money service businesses, including:
  • Provider or seller of prepaid access/stored value
  • Quasi-cash
  • Cash advances (by non-financial institutions)
  • Virtual currency or e-wallet or e-money that can be monetized, re-sold or converted to physical/digital goods/services or otherwise exit the virtual world
  • Money Transfer
• Third Party Payment Processors/Aggregators/Payment Service Companies (e.g., bill pay service, crowd funding, peer-to-peer payments, commissary accounts)
• Payment Facilitators
• ISO's and other Internet Payment Service Providers (IPSP) / Member Service Providers (MSP) / Fulfillment houses
• Shipping/forwarding brokers
• Auctions
• Bidding fee auctions (a/k/a penny auctions)
• Paying fines or penalties of any kind
• Charities
• Security brokers & investments of any kind, like purchase of securities, currencies, derivatives, commodities, shares, foreign currencies, options, other financial instruments or precious metals
• Private medical practices and e-doctors
• Products or services related to political or social campaigning
• Car sales / importers and car advertising publications
• Airlines (including airlines "nested" under another entity)
• Bail bonds
• Bankruptcy lawyers
• Business service companies, such as payroll services, invoicing services and consumer services
• Chain letters
• Cruise lines (including cruise lines "nested" under another entity)
• Data pass (merchants up-selling or cross-selling products to other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties)
• Door-to-door sales
• Embassy, Foreign Consulate, or other foreign government
• Essay mills/paper mills (i.e., ghost writing services that sell essays, term papers, etc. with intent that the purchaser will submit documentation as their own)
• Extended warranties
• If you have a ransom-like or extortion-like basis for your business model (e.g., mug shot removal)
• If you use tactics to evade Card Brand excessive chargeback monitoring programs
• Marketplaces
• Travel and holidays
• Ticket agencies
• Tobacco & alcohol products
• Businesses selling age or legally restricted products or services (including e-cigarettes)
• Prescription medicines and pharmaceuticals, including prescription medical devices (for example contact lenses)
• Pseudo pharmaceuticals / nutraceuticals and food products or other digestibles marketed via unsubstantiated and/or unlawful health or medical claims (e.g., food supplements)

1. PayAttitude is a mobile app that allows users to link multiple bank accounts for various transactions and pay using only their phone number or via the app.
2. Within 120 days from the date of payment, Unified Payments may stipulate from time to time details of all transactions and documents including but not limited to receipts and personal identification, related to PayAttitude and the transactions. Within 7 days from the date of request from Unified Payments, you shall provide such details and documents.
3. In the event that fraudulent transactions account for more than 0.35% of the sales turnover in any one month, we may in addition to any other remedy available to us, be entitled to withdraw the APM.

• Unregulated Forex or foreign exchange
• Pharmaceutical products and non prescription drugs
• Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene
• Unlicensed 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
• Dating and escort services
• Cryptocurrency

• PayMe’s terms of service are available here: https://payme.vn/en/web/terms-of-service
• Users have up to 60 (sixty) days from the date of a disputed transaction to submit a request for review or complaint.

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/Tx; CZK 0.01/Tx

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.

• Unregulated Forex or foreign exchange
• Medical, drugs and pharmaceuticals
• Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene
• Unlicensed 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
• Dating services

You hereby confirm that use of PicPay wallet payment shall be subject to specific terms of PicPay available at the links below:

• https://ajudaempresas.picpay.com/hc/pt-br/sections/12624294326683-Sobre-o-PicPay-E-commerce-Carteira
• https://picpay.com/app_webviews/terms_biz

N/A

1. Restricted by Local Law or Regulation
   • Adult Products & Services: Sexually-orientated or pornographic content, adult chat/phone services, massage parlors, adult book stores, topless bars/clubs, adult entertainment, dating services, companion/escort services, and modeling agencies.
   • Weapons: Firearms and weapons of all kinds.
   • Medical & Pharmaceuticals: Medicine, surrogacy services, tobacco, e-cigarettes, illegal drugs, and drug paraphernalia (bongs, vaporizers, etc.).
   • Gambling: Gambling tools, services, lotteries, and lucky draws.
   • Protected Items: Protected plants and animals, rare/preserved animals, archaeological and cultural relics, and protected religious items.
   • Illegal Advertisement: Sale of ads for any products or services deemed illegal.
   • Cryptocurrency: Funding of cryptocurrencies, ICOs, and the trading or sales of cryptocurrencies.
   • Misrepresentation: Businesses providing services in one country while claiming to sell from another (shell companies).
2. Dangerous, Deceptive, or Unethical Practices
   • Counterfeit Goods: Imitation products, unauthorized copyrighted software/products, smuggled goods, trade secrets, and information infringing on privacy.
   • Predatory Practices: Negative renewal options (forced subscriptions), fortune tellers, palm readers, tarot readers, and "free gifts" used as an inducement to purchase.
   • Investment & Schemes: Credit repair/protection, mortgage/loan reduction services, "get rich quick" schemes, and high-priced real estate/investment seminars.
   • Amulets: Expensive amulets or similar lucky charms.
   • Violence & Crime: Services involved with hate, violence, human trafficking, extortion, or ransom payments.
   • Social Media Activity: Sale of followers, likes, views, or online traffic.
   • Hacking & Malware: Hacking tools, malware, and software vulnerabilities.
   • Chemicals & Animals: Shipping of living animals and international shipping of hazardous chemicals.
   • Pseudo-pharmaceuticals: Anti-aging pills, sex nutrients, vitamins, and weight loss products with implied health guarantees.
3. Financial & Criminal Risk
   • Transaction Laundering: Providing payment channels for third parties or obfuscating the origin of funds.
   • Financial Services: Debt consolidation, cash advances, money transfer services, cash gifting, check cashing, pyramid/Ponzi schemes, gold futures, and foreign currency exchange.
   • High Fraud Risk: Cyberlockers (unrestricted file sharing), video game/virtual world credits, and private detective or bodyguard services.
4. Items prohibited by specific payment channels

   The following items may be subject to restriction by certain participating eWallets / Banks:

   • Antiques & Precious Metals: Antiques, precious metals, and rare earth minerals.
   • Energy: Crude oil and petroleum products.
   • Medical Specifics: Contact lenses, baby gender prediction kits, medical equipment, and online medical consulting (including plastic surgery or hypnotherapy).
   • Fundraising: Crowdfunding platforms and charitable/fundraising activities.
   • Digital Goods: Gaming-related services or digital products.
   • Real Estate: Property agency, sales, and leasing.
   • Financial Services: Mobile phone top up, prepaid cards or similar, insurance premiums, gold investment, mutual funds, stock and securities, auction, debt collection services, prepayment or deposits.
   • Marketing: Sale of products via outbound telemarketing or mass emailing.
   • Professional Services: Legal services, accounting/auditing, marriage counseling, and immigration services.

• Disputed amounts, including taxes and fees, may be deducted from your balance immediately upon receipt of a dispute. In case of dispute – you must provide sufficient proof of valid transaction within 7 days.
• It is important to always respond to disputes with the required evidence. The dispute process is comprised of communications between financial institutions – failure to provide evidence of valid transaction - may result in you losing the case.
• If you terminate your account - you remain liable for any disputes or fraud that occurred while the account was active. Payment instrument provider (bank) may retain funds for up to 12 months after termination to cover these risks.

• Trade and export of jewellery, precious stones and metals
• Religious entities
• Mine extraction
• Games of luck and chance and permanent betting
• Non-profit entities: environmental activities; beneficence; promoters of social welfare; scientific, technological, cultural or research entities; national and foreign agricultural and peasant associations; corporations, associations and foundations created to carry out activities in indigenous communities; foreign legal entities under private non-profit law, domiciled abroad and establishing permanent businesses in Colombia
• Dimayor soccer teams
• Professional in the purchase and sale of foreign currency in cash and traveler's checks for people residing in the country
• Temporary Unions and Consortia
• Libranza Operators
• Companies importing inputs that can be used in the processing of hallucinogenic substances
• Adult entertainment
• Crypto assets
• Cannabis and its derivatives

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.

APMs

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

15000 EUR

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

IDR: 20000000

THB: 200000

MYR: 9999

PHP: 100000

SGD: 5000

Supplemental Terms:

• The supplemental terms of Shopeepay that apply to you and Shopeepay customers are provided below:
• Malaysia: https://help.shopee.com.my/portal/4/article/77226-ShopeePay-Merchant-Terms-of-Service
• Philippines: https://help.shopee.ph/portal/4/article/77303-ShopeePay-Merchant-Terms-of-Service
• Singapore: https://help.shopee.sg/portal/4/article/77194-ShopeePay-Merchant-Terms-of-Service
• Payer may reverse transaction 15 days from the date of delivery for purchases or after the estimated delivery date, whichever is earlier.

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.

In addition to the prohibited activities listed in clause 2 of the Terms:

• Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene;
• Financial services: Money transfer services, Donations or Check Cashing, Financial products, Forex and foreign currency exchange;
• Chance based video game or virtual world credits;
• Weapons;
• Medical, drugs and pharmaceuticals;
• Matching services, donations, and fortune tellers, all religious websites, online cemeteries, and medical beauty services are prohibited.
• Political audio-visual materials, state secrets, and unlicensed virtual asset services.

You hereby confirm and agree that the execution of the transfer as well as the possibility of a payer to cancel or revoke a transfer are contingent upon the then current terms and conditions of the payer’s bank account.

You acknowledge that although payment transactions can be executed from payers’ accounts - there is no guarantee that payer will be able to make an online bank transfer from every bank account.

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.

• Unregulated Forex or foreign exchange;
• Pharmaceutical products and non prescription drugs;
• Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene;
• Unlicensed 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;
• Dating and escort services;
• Cryptocurrency.

1. Users have up to 60 (sixty) days from the date of the disputed transaction to submit a request for review or complaint.
2. Disputed amounts, including taxes and fees, may be deducted from your balance immediately upon receipt of a dispute. In the case of a dispute - you must provide sufficient proof of valid transaction within 7 days.
3. It is important to always respond to disputes with the required evidence. The dispute process is comprised of communications between financial institutions – failure to provide evidence of a valid transaction may result in you losing the case.
4. If you terminate the account - you remain liable for any disputes or fraud that occurred while the account was active. Payment instrument provider (bank) may retain funds for up to 12 months after termination to cover these risks.