PayPal Alternative Payment Methods Terms

APMs

Wallet

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

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

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

Apple Pay Web

Payment Type

Apple Pay Wallet

Chargeback Risk

Yes

Payment Guarantee

As per the card network rules

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

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

Supplemental Terms

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

Bancontact

Payment Type

Debit Card

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

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

€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.

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.

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.

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 to 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.

Google Pay

Payment Type

Google Pay Wallet

Chargeback Risk

Yes

Payment Guarantee

As per the card network rules

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

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

Supplemental Terms

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

GrabPay

Payment Type

Wallet

Chargeback Risk

No

Payment Guarantee

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

Refund possibility

Yes

Transaction minimum

SGD 0.01

Transaction maximum

SGD 5,000.00

Specific Prohibited Goods and Services

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

Supplemental Terms

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iDEAL

Payment Type

Real-time Bank Transfer

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

Chargeback Risk

No

Payment Guarantee

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

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

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

Supplemental Terms

1. You must make the information about the complaints procedure easily available to customers on your website.
2. You are not permitted to offer the iDEAL Payment Method via e-mail link services unless you obtain the prior written permission of PayPal. An iDEAL payment link is a URL that leads to your payment page on which a customer can initiate an iDEAL transaction.
3. You must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL payment method as may be notified to PayPal or you from time to time.
4. The iDEAL Merchant Integration Guide can be accessed here: https://www.ideal.nl/en/businesses/offer-ideal/; you must adhere to the terms and conditions for the use of iDEAL, including the use of the iDEAL logo, as described at https://ideal.nl/en/consumer-terms-and-conditions-ideal-in3.
5. You shall report any events that require reliance on the iDEAL Payment Guarantee to PayPal without delay.
6. Where at PayPal’s sole discretion you are deemed to be high risk, PayPal reserves the right to request you to implement a Customer registration process to record at least the following data concerning the Customer:

a) Name and e-mail address;

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

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

i. IP address

ii. Browser fingerprint

iii. Mobile number

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

Mercado Pago

Payment Type

Mercado Pago is an online payments provider that allows buyers in Brazil and Mexico to make payments using credit cards, debit cards, prepaid cards, Mercado Pago wallet balance, and other payment methods.

Chargeback Risk

Yes

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

MXN 0.01 per Transaction

BRL 0.01 per Transaction

Transaction Maximum

MXN 1,000,000.00 per Transaction

BRL 10,000,000.00 per Transaction

Specific Prohibited Goods and Services

For Mexico:

In addition to any prohibited goods or services set out within the User Agreement: goods and services prohibited under Mercado Pago Terms and Conditions, as well as the following: prescription medicines, pharmaceutical products, dietary supplements not permitted for sale, gambling of any kind, financial products and services not approved by competent financial supervision authorities, malware (e.g., rogueware, viruses, etc.), funding of political parties or activities, direct marketing, postal number operations, bank drafts and postal wires, wholesale clubs, multilevel pyramid selling, timeshares, collection agencies, factoring companies, liquidators, bail bond companies, bankruptcy lawyers, financial advisors, share titles, investment trust funds, investments funds, currency exchange, payment orders from non-financial institutions, guarantee and money exchange offices, traveler's checks, travel-related services and cruise lines (excluding travel agencies), coin collections, stamps, coin shops, philately, Airtran Airways, Airtran Air, check cashing, automatic payments and subscriptions, employment agencies, and cash advance or credits.

For Brazil:

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

Some goods are prohibited by Mercado Pago under its Terms and Conditions. For a full list of the prohibited goods and services, please visit: https://www.mercadopago.com.br/ajuda/3264

Supplemental Terms

For Mexico: Mercado Pago payment services will be subject to Mercado Pago Terms and Conditions for Mexico.

For Brazil: Mercado Pago payment services will be subject to Mercado Pago Terms and Conditions for Brazil.

For Brazil and Mexico:

You are not permitted to use Mercado Pago´s brand, logo, commercial name, and additional intellectual property rights other than to list Mercado Pago as a payment method. If you attempt to use Mercado Pago´s intellectual property rights in an unauthorised manner, we reserve the right to revoke our services.

Mercado Pago is not liable for any additional charges due to your failure to submit correct bank details.

The user cannot resell payment management services to third parties.

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 website https://www.mybank.eu/mybank/mybank-style-guidelines-for-merchant-websites/. If you attempt to use the MyBank Logo in an unauthorised manner, in a manner that is not intended or allowed, or in significant contravention of these requirements, we reserve the right to revoke our services.

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.

POLi

Payment Type

Real-time Bank Transfer

POLi is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. POLi is restricted to customers holding accounts with banking institutions in Australia and New Zealand. PayPal does not guarantee that all New Zealand or Australian bank accounts are POLi compatible.

Chargeback Risk

No

Payment Guarantee

No

Refund Possibility

No

Transaction Minimum

AUD/NZD 1.00 per Transaction

Transaction Maximum

AUD/NZD 10,000.00 per Transaction

Specific Prohibited Goods and Services

In addition to any prohibited goods or services set out within the User Agreement: gambling.

Supplemental Terms

N/A

Przelewy24 (P24)

Payment Type

Real-time Bank Transfer

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

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

PLN 0.05 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

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

Supplemental Terms

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

a) E-mail address;

b) Transaction number;

c) Transaction amount;

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

transferred;

e) Name of the bank that holds the account from which the transaction amount was to be transferred or to

which the transaction was transferred to as applicable;

f) Transaction date; and

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

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

4. Notwithstanding the foregoing, any complaints pertaining to transactions made 90 or more days prior to such

complaint may be refused for review by the Przelewy24 Payment Scheme.

Safetypay

Payment Type

Real-time Bank Transfer

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

Chargeback Risk

No

Payment Guarantee

Yes

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

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

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.

Wallet

WeChat Pay is an e-wallet that can be used by all Customers registered with WeChat Pay.

1. You will ensure that WeChat Pay will only be used for the following goods:

a) Apparel/Accessories/Bags;

b) Gift/Flowers/Souvenir;

c) Outdoor/Sport/Fitness equipment/Security and protection;

d) Musical instruments;

e) Watch/Clock/Glasses/Cosmetic lenses;

f) Jewellery/Accessories;

g) Home furnishing/Construction materials/Decoration/Fabrics;

h) Food;

i) Health care products/Supplements;

j) Household appliances;

k) Personal care & contraception products;

l) Beauty makeup/Skin care/Personal care;

m) Crafts/Potting/Interior decorations;

n) Car/Motorcycle/Bicycle/Accessories/Refitted vehicles;

o) Digital products;

p) Office equipment;

q) Maternal and baby products/Children’s toys;

r) Maternal and Child (online) stores;

s) Book/Audio/Stationery; or

t) Pet food

2. You must display the “WeChat” logo, in connection with the usage of the Chinese LPM (Local Payment Methods) Services, on your official website.
3. You will not, charge Customers any additional fee or provide lower service when the Customer uses WeChat Pay as method of payment.
4. You shall keep the original receipts and relevant Transaction records for at least five (5) years from the date of Transaction.
5. You acknowledge and agree that the WeChat Pay service will terminate and you will assume all liability if you:

1. operate in violation of the relevant rules and refuse to make corrections after being requested to do so;
2. commit any act that harms the interest of WeChat Pay; or
3. are involved in risk events or abnormal transactions, in WeChat Pay’s reasonable discretion.