Transparency is a recurring Checkout.com value that is reflected in our pricing promise, our security protocol and our legal agreements.
These AliPay+ Payment Method Rules apply if you elect to offer payment methods supported by AliPay+ to your customers via Checkout.com.
Acceptance Marks means the Alipay+ Brand Mark and (if applicable) the Mobile Payment Partners’ trade marks identified by Alipay+ to indicate the acceptance of Mobile Payment Partner Products.
AliPay+ means Alipay Connect Pte. Ltd. and all of its affiliates that operate Alipay+ Core, including its and their successors and assigns.
AliPay+ Brand Mark means a mark, including word, name, logo, design, symbol and trademark, that represents Alipay+ and its products and services.
AliPay+ Core means the systems and services through which Alipay+ deliver electronic payment processing, clearing and settlement services to its partners, including Checkout.com.
AliPay+ Services means the transaction processing and clearing services as well as fund settlement services, technical consultancy and technical support services provided by AliPay+ to its partners, including Checkout.com.
Auto Debit is an online payment product provided by Alipay+, whereby a customer enters into an automatic debit agreement with a merchant in order to enjoy automatic payment for subsequent transactions.
Mobile Payment Partner means a payment service provider that has entered into an agreement with AliPay+ whereby it issues Mobile Payment Partner Products to customers, enters into an agreement with a customer, or processes a transaction for a customer.
Mobile Payment Partner Products means products offered by Mobile Payment Partners to customers to enable customers to discharge payment obligations to merchants through the use of, or in reliance on, the AliPay+ Services.
1. Subject to compliance with applicable laws, you shall not decline to accept any available Mobile Payment Partner Products.
2. You shall comply with applicable data retention laws and retain all data stored, processed or created by you or on your behalf, including transaction data and documents, for at least five (5) years after the relevant transaction, or such longer period as may be required by law.
3. You may only initiate refunds for an AliPay+ transaction within twelve (12) months after the transaction date.
4. Where you request to activate an Auto Debit agreement, you must:
(a) fully inform the customer of the terms and conditions of the Auto Debit transaction, including the validity period and the scope of such product;
(b) give the customer an option whether to activate the Auto Debit agreement; and
(c) submit both your legal name and trading name in the Auto Debit activation request.
You must also provide customers with customer-friendly means to terminate the Auto Debit agreement and submit an Auto Debit cancellation request via Checkout.com to Alipay+ Core and cease to collect payments from the customer upon termination of the Auto Debit agreement.
5. You must only submit Auto Debit deduction requests in line with the customer’s authorisation.
6. You understand that Mobile Payment Partners may initiate transaction-related disputes, including requests for information or refunds, through AliPay+ Core, and that Checkout.com is obligated to respond to the dispute. You agree to cooperate with Checkout.com’s such efforts.
7. You must implement procedures and written policies to protect your customers’ accounts from unauthorised access, and promptly notify Checkout.com of any unauthorised access to such customer accounts.
8. You must not submit any AliPay+ transaction with respect to any goods or services in the following categories:
(a) adult goods or services;
(b) gambling or lottery services;
(c) online sale of any tobacco product;
(d) any type of weapon;
(e) goods or services that infringe privacy or property;
(f) financial products or services, including money transmission services and cryptocurrency;
(g) biochemically infectious product;
(h) goods or services that endanger national security or contain discriminatory content including in relation to race, gender, religion or region;
(i) generic or pseudo pharmaceutical, anaesthetic or psychotropic medicine, narcotic or surrogacy services; and
(j) any goods or services that are illegal or prohibited in the jurisdiction where you or your customer are based.
9. You shall not make any press release or public announcement about AliPay+, the AliPay+ Service, AliPay+ Core, or your business relationship with AliPay+ (including transaction numbers or amounts, corridor performance, business growth or plans), or otherwise publicly disclose such information without AliPay+’s prior written consent.
10. AliPay+ is the exclusive owner of the AliPay+ Brand Mark. You shall:
(a) use the Alipay+ Brand Mark in accordance with the Alipay+ Brand Guidelines;
(b) sufficiently identify yourself in all materials (including images, sound or through any other medium) which bear, use or refer to the Alipay+ Brand Mark; and
(c) not use the Alipay+ Brand Mark to promote or denote any product or service that is not an AliPay+ product.
11. You shall display the Acceptance Marks on the relevant checkout page (or in the case of Auto Debit, on the agreement activation page), to indicate the acceptance of Mobile Payment Partner Products and on the payment result page, to indicate that the payment was processed through AliPay+ Core. You shall display the AliPay+ Brand Mark:
(a) whenever you display the trade marks or other brand identifier of a Mobile Payment Partner;
(b) with at least the same prominence as you display the trade marks or brand identifiers of any other payment methods accepted by you in the same context.
12. You will not use Alipay+ Core to perform services for any third parties or use Alipay+ Core to perform any activities other than those as expressly permitted by AliPay+.
These Alipay China Wallet Payment Method Rules apply if you elect to offer auto-debit payment methods supported by Alipay China Wallet to your customers via Checkout.com.
Alipay means Alipay.com Co., Ltd.
Auto-Debit Service means a payment authorization model under which Alipay directly debits the customer’s Alipay account for the payment upon your request via Checkout.com and credits the requested payment to your Checkout.com account without having to separately obtain the customer’s authorization for each payment.
Payment Limit means the maximum amount of payment allowed on Alipay’s platform for a single customer for the Auto-Debit Service, which may be set by Checkout.com for you and vary by transaction, day or month, as separately agreed between Checkout.com and Alipay.
Prohibited Products means articles or services prohibited from being sold to customers under applicable law, including without limitation the products listed in Table 1 below to the extent applicable, which may be updated by Alipay and notified to you via Checkout.com from time to time.
Restricted Products means articles or services prohibited from being sold to customers under applicable law without the prior written consent of Alipay. Table 2 below sets out, without limitation, the list of such restricted products and services to the extent applicable which may be updated by Alipay and notified to you via Checkout.com from time to time.
1. You shall always provide an accurate description of the transaction process for the Auto-Debit Service on your platform including the relevant Payment Limit, and obtain due authorization from customers before activating the Auto-Debit Service.
2. You must ensure that any Auto-Debit Service request must only be submitted with the customer’s proper authorization, and the amount requested for the payment shall not exceed the amount of the Payment Limit (if any) for each transaction.
3. You must undergo and complete appropriate trial tests organized by Alipay (which shall not be unreasonably delayed) regarding the Auto-Debit Service before you proceed with the enrollment of customers for the Auto-Debit Service on your platform.
4. You must enter into an enrollment agreement with customers containing terms and conditions for the Auto-Debit Service, and authorizing you via Checkout.com to connect the customer’s Alipay account with your platform for the purpose of carrying out the Auto-Debit Service.
5. You must ensure that the Auto Debit Service can be terminated by customers, and provide customers with an easily accessible and customer-friendly means to submit a termination request. You must provide customers with sufficient technical or customer service support throughout the termination process. You must also ensure that the termination request is processed in a timely manner, and shall immediately inform Alipay and your customer once the process is successful.
6. You must not submit any transactions for Prohibited Products or Restricted Products using the Auto-Debit Service.
7. You must prominently and accurately display your customer service contact information, which customers can use to communicate their queries to you in relation to the Auto-Debit Service or any related transactions.
8. Upon receiving an enquiry from a customer regarding the Auto-Debit Service or any related transaction, you must provide a valid response within one (1) working day and provide a solution that addresses the query to the satisfaction of the customer.
9. You must fully cooperate with Alipay to resolve any issue and reduce the impact for the customers in case of a system failure on your behalf.
10. You shall not in any way during your communication with customers, act or omit to act in a manner that might cause any negative effect or dilution of the value, goodwill and reputation of Alipay.
Table -1 List of Prohibited Products
Table 2: List of Restricted Products
The OptBlue Program is a program under which Checkout.com may enable “small merchants” (for purposes of this Agreement, defined as merchants that process American Express Card transactions where the gross annual sales amount of such American Express Card transactions is less than one million U.S. dollars) or “small payment aggregators” (for purposes of this Agreement, defined as Payfacs or Marketplaces that process American Express Card transactions where the gross annual sales amount of such American Express Card transactions is less than two hundred and fifty million U.S. dollars) to accept American Express Cards. The following text governs your acceptance of American Express Cards under American Express’s OptBlue Program. You hereby agree to comply with the requirements, acknowledgments, and authorizations specific to Merchant’s acceptance of American Express Cards under the American Express OptBlue® Program (the “OptBlue Program”) set forth in this section.
Acceptable Use Guidelines for Apple Pay on the Web
These guidelines are for businesses that wish to incorporate Apple Pay into their websites.
Prohibited Uses
You may not incorporate Apple Pay into a website that:
1. Violates any law or otherwise fails to comply with legal requirements
2. Offers transactions involving:
(a) Tobacco, marijuana, or vaping products
(b) Firearms, weapons, or ammunition
(c) Illegal drugs or non-legally prescribed controlled substances
(d) Items that create consumer safety risks
(e) Items that are intended to be used to engage in illegal activities
(f) Pornography
(g) Counterfeit or stolen goods
(h) Personal fundraising or collections of nonprofit donations unless approved by Apple
3. Primarily offers or sells drug paraphernalia or sexually-oriented items or services
4. Promotes hate, violence, or intolerance based on race, age, gender, gender identity, ethnicity, religion, or sexual orientation
5. Involves the purchase or transfer of currency (including cryptocurrencies) unless approved by Apple
6. Constitutes a staged digital wallet (e.g., where a second payment transaction is conducted in order to complete the first transaction or where there is a substitute merchant of record in a transaction)
7. Engages in fraud
8. Infringes or violates the intellectual property, publicity, or privacy rights of another
9. Shows Apple or its products in a false or derogatory light
Apple reserves the right at anytime to disable Apple Pay transactions on your websites for any reason it deems prudent.
Design
Your use of Apple Pay must adhere to the branding and user interface guidelines described in the Apple Pay Marketing Guidelines and Human Interface Guidelines.
Apple Pay APIs
If any webpage of your website accepts other forms of third party payment methods, you must also offer Apple Pay as a payment option on such webpage, at least on parity with such other payment methods (i.e., presented with the same prominence on such webpage). Furthermore, if you invoke the ‘canMakePaymentWithActiveCard’ API and determine that a user has an active card provisioned into Wallet, you must present Apple Pay as the primary – but not necessarily the sole – displayed payment option. For example, you might pre-select Apple Pay as the payment option when you display it alongside other options.
You may not use the Apple Pay for any purpose other than to enable or facilitate an Apple Pay transaction from your website.
Bancontact is a system which enables Customers (means the end-customer/ end-user of the Merchantsand who uses one or more payment methods) in Belgium to initiate an online bank transfer in real time using their Bancontact debit cards. Bancontact is provided by Checkout.com via PPRO. If you wish to access and use Bancontact as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.
By offering Bancontact as a payment method to your Customers, you agree to comply with these Payment Method Rules, including:
You must sufficiently call attention to and explain Bancontact to Customers, and point out to Customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the Customer to remit the purchase price via Bancontact, for goods or services offered, is irrevocable unless permitted otherwise.
You agree not to treat Bancontact more favorably than any other payment methods offered to your Customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from Customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Bancontact, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Bancontact within a particular market.
You must not accept Bancontact as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.
2. Payment Methods Terms of Use – General & Common Terms
1. This document (the “Terms of Use” or “ToU”) has been produced by the PPRO Group (“PPRO”) and contains the terms relevant to certain local payment methods (“Payment Methods”) that are sourced by PPRO from suppliers of the Payment Methods. In order to use PPRO services the Merchant must comply with these Terms of Use.
2. Payment Methods are sourced by PPRO from various Payment Scheme providers and therefore may be associated with diverse requirements. Not all Payment Methods have such additional requirements and these Terms of Use reflect the information communicated to Checkout.com by PPRO, and to PPRO by the Payment Scheme providers
3. These Terms of Use are subject to change and may be unilaterally modified or supplemented by PPRO in its sole discretion at any time (a “Change”). In the event a Payment Scheme increases its fees charged to PPRO for a Payment Method, PPRO reserves the right to increase its Fees for the impacted Payment Method, with not less than 20 Business Days’ prior written notice, which shall be conveyed to the Merchant by Checkout.com.
4. Where such a Change can reasonably be considered to be of a material nature such that (i) the Change would have a detrimental impact on the quality of the services provided to the Merchant (ii) the Merchant is likely to suffer significant economic loss as a result of the Change; the Merchant will have the right to terminate its access to and use of the specific Payment Method for which the Change is applicable without penalty.
5. Should the Merchant elect to terminate its access and use of a Payment Method in accordance with section 3 above, it must provide written notice thereof to Checkout.com within 20 days of the Change coming into effect. If we do not receive written notice of your intentions to terminate its access and use of a particular Payment Method, PPRO and Checkout.com will be entitled to assume that you have accepted the Change.
6. The addition of new Payment Methods to these Terms of Use is explicitly excluded from being considered a Change and shall not infer or grant termination rights to the Merchant provided for under section 3.
7. The following common provisions are applicable in relation to the Payment Methods listed in this document, in addition to any specific terms contained herein.
a. The Merchant must follow Checkout.com’s reasonable instructions when integrating a Payment Method in the manner prescribed and convery by PPRO, when designing the order process as well as its internet presence with regard to the Payment Methods. Offering Payment Methods to a Customer by means of a link sent to such Customer by email or similar is strictly prohibited.
b. For Payment Methods that involve the re-direction of the Customer to their online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Merchant may not use any i-frames when integrating the Payment Method within the payment process.You understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Merchant whereby a Customer may be led to believe the contents are those of a third party rather than the Merchant.
c. The Merchant acknowledges that the execution of a payment transaction via individual Payment Methods and the possibility of a Customer canceling or revoking a payment transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO or Checkout.com have no influence or control. The Merchant accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of transactions.
d. It is not permitted for redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per transaction and will be deducted from any settlement funds owing the Merchant. . PPRO and Checkout.com reserve the right to claim damages associated with a violation of this requirement should any arise and will notify the Merchant thereof.
e. The Merchant undertakes that they will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.
f. The Merchant undertakes that it will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to Checkout.com from time to time.
g. The Merchant shall ensure that the Payment Methods are only used to pay for your products and services, where there is a direct contractual relationship between you and the Customer and the products and services are provided on your own account.
h. The Merchant shall: :
i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;
ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;
iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.
i. Merchants are not allowed to accept payments for goods or services:
i. that are not provided on the Merchant’s own account;
ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;
iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:
1. Illegal products and services, or products and services prohibited by applicable laws:
a. Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
b. Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
c. Counterfeit or unauthorized goods;
d. Drugs and narcotics;
e. Get-rich-quick schemes or pyramid schemes;
f. Human or animal bodies or organs;
g. Intellectual property or proprietary rights infringement;
h. Nazi-branded products, Nazi content and articles;
i. No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
j. Pay-to-remove sites or defamatory publications;
k. Racist, sexist, misogynistic or otherwise abusive products and content;
l. Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
a. Alcohol and alcoholic beverages;
b. Archaeological findings and items;
c. CBD and hemp products;
d. Online pharmacies, prescription drugs;
e. Fireworks and related products;
f. Live animals;
g. Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
h. Precious metals and stones;
i. Substances designed to mimic illegal drugs;
j. Tobacco, e-cigarettes, e-liquid and related products;
k. Weapons, ammunition and related products;
3. Specialized financial or legal products or services:
a. Bail bonds;
b. Bankruptcy lawyers;
c. Binary options;
d. Credit, loans, short-term lending and other lending instruments;
e. Debt collection;
f. Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
g. Wealth management;
4. Miscellaneous
a. Psychic or fortune-teller services;
b. Pyrotechnic devices and supplies;
c. Telemarketing;
d. Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform
j. The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:
i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.
3. Payment Methods - Specific Terms
3.1 Bancontact
3.1.1 General
3.1.2 Specific Terms
1. Bancontact is a debit card Payment Method, whereby a debit card is issued by an authorized credit institution and allows Customers to directly pay for goods and services from their bank accounts.
2. The Merchant is aware that the execution of the transfer as well as the possibility of a Customer to cancel or revoke a transfer are contingent upon the then current terms and conditions of the respective Customer’s bank.
3 The Merchant acknowledges that although Bancontact payment transactions can be executed from Customer accounts established with most banks in Belgium, there is no guarantee that a Customer will be able to make an online bank transfer from every bank account in Belgium using Bancontact.
Giropay is a very popular online banking payment system in Germany. It allows shoppers to pay for your goods or services with an online bank transfer. Giropay is a secure and reliable payment method, which uses shopper's own online banking details (PIN) and a TAN (Transaction Authentication Number) to authorise the payment.
Additional terms
Checkout.com is obliged to follow Giropay’s regulations when we board merchants onto the Giropay service. These regulations state that merchants cannot offer the following types of goods or service:
1. Any goods and services that are or become unlawful as such and their advertisement, offer or distribution is or becomes unlawful. This also applies to goods or services that are offered in connection with unlawful, obscene or pornographic contents, in particular.
a. Any goods and services whose advertisement, offer or distribution would breach copyrights and industrial property rights as well as other third-party rights (e.g. the right to one’s own image, name and personal rights).
b. Any goods and services that count as “illegal products” within the meaning of Section 4 of the Interstate Treaty on the Protection of Minors (Jugendmedienschutz-Staatsvertrag) (which, for example, represent propaganda material or symbols of unconstitutional organisations, glorify war, violate human dignity, portray children or minors in unnatural, sexually suggestive postures or are of a pornographic nature).
c. Archaeological finds.
d. Drugs,narcotics,mind-alteringsubstancesandotherprohibited substances or agents.
e. Goodswhicharesubjecttoatradeembargo.
f. Body parts and human remains.
g. National Socialist articles and publications.
h. Protected animals and protected plants.
2. Payment methods (cash money, book money or e-money, currencies including virtual currencies, as Bitcoins, and cheques) where the recipient of the payment (payee) cannot be identified by the merchant or Worldpay. This excludes coupons, value cards and vouchers.
3. Lotteries which do not hold a valid German gambling license.
4. Payment for online poker games.
5. Adult entertainment where the merchant does not hold the necessary permits under German law, or where their offer is not compliant with current German legislation (e.g. in regards to youth protection legislation).
Effective on: Feb 26, 2024
If you use the Google Pay APIs and Google Wallet APIs, (collectively, the “APIs”), in apps, on the web, or through other interfaces must follow the requirements listed in this Acceptable Use Policy (“AUP”), in addition to the applicable API terms of service and Google Wallet API Terms of Service. This AUP covers illegal or inappropriate content, services, activities or products prohibited from using these APIs. Google reserves the right to expand or edit these policies at any time. Google will also exercise its sole discretion in the interpretation and enforcement of these policies in conjunction with the applicable Terms of Service.
Google also reserves the right to take any corrective action it deems appropriate if it believes or suspects that any partner or transaction violates this AUP or is otherwise illegal or unsuitable, or to disable any transaction or partner account for any reason it deems prudent. Google may also report any illegal activity in accordance with applicable laws. Prohibited products and services.
To use the APIs as a merchant, you must comply with our policies on prohibited products and services. These restrictions would apply regardless of whether the prohibited products or services form your entire inventory or only a part of it. Merchants who engage or enable any products or services prohibited by applicable local laws are not allowed to use the APIs as billers or partners. A non-exhaustive list of prohibited products and services includes the following:
Adult products and services
We do not allow the APIs to be used for pornography and other sexually explicit material. This includes but is not limited to: prostitution, escort or companionship services, or any product or service which promotes underage, non-consensual, or other illegal sexual themes.
Child endangerment
We do not allow the APIs to be used for any transactions related to products, services or content that sexualizes minors or appeals to children but contains adult themes. If we become aware of any transactions related to child sexual abuse imagery, Google will report such transactions to the appropriate authorities.
Counterfeit, illegal, or stolen products and services
We do not allow the APIs to be used for transactions of illegal products or services, products produced in violation of a third party's rights, or counterfeit goods. Counterfeit goods contain a trademark or logo that is identical to or substantially indistinguishable from the trademark or logo of another. They mimic the brand features of the product in an attempt to pass themselves off as a genuine product of the brand owner. We do not allow the illegal sale of products and services using Google Pay and Wallet (e.g., fake currency, tickets, smuggled goods, and goods in violation of export, import or labeling restrictions). Businesses are solely and completely responsible for verifying that all items sold by the business are authentic and legal in all applicable jurisdictions.
Copyrighted material
We do not allow the APIs to be used for the sale of unauthorized copyrighted material. Examples include: copies of books, music, movies, and other licensed or protected materials, including copies without proper attribution, and unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software. Businesses are solely and completely responsible for ensuring that they have any and all appropriate licenses or authorizations for the sale of copyrighted material.
Dangerous / violent goods
We do not allow the use of the APIs for any transactions for the sale or purchase of products that may cause damage, harm, or injury (e.g., guns and other weapons, explosives, ammunition).
Enabling dishonest behavior
We do not allow the APIs to be used to sell products or services that are fraudulent, deceptive or designed to enable dishonest behavior. A non-exhaustive list of examples include:
1. Academic paper-writing and test-taking services
2. Devices or techniques for unlocking technical protection measures
3. Hacking and cracking materials
4. Devices for circumventing traffic rules
Financial Services
We do not allow the APIs to be used for the provision of any financial products or services, unless the partner holds a relevant license from or is otherwise supervised by a competent national authority such as a financial sector regulatory agency or central bank. In addition, we also prohibit the provision of the following products or services:
1. Cryptocurrency-related products and services (including ICO/IEO pre-sales, storage wallets or trading information), with the exception of the purchase or selling of cryptocurrencies with fiat monies through regulated entities
2. Binary options or synonymous complex speculative financial products (e.g., contracts for difference, financial spread betting, rolling spot foreign exchange, and related forms of speculative products)
3. Provision of training or signals for the trading of cryptocurrencies or complex
4. Personal loans which require repayment in full in 60 days or less from the date the loan is issued
5. Multi-level marketing or “get-rich-quick” schemes and businesses
6. Transactions where a second payment transaction is conducted in order to complete the first transaction or where there is a substitute merchant of record in a transaction
7. Credit repair services
8. Debt collection agencies
Gambling
We do not allow the APIs to be used for any gambling services which are aimed or addressed to underage individuals or to individuals that are forbidden from gambling according to local laws. We currently only allow the Google Pay API to be used for gambling in certain limited geographies and for restricted integration types. We currently only allow the Google Wallet API to be used for gambling in certain limited geographies and for restricted integration types. Categories of non-monetary gambling-related passes which are allowed to use the Google Wallet API include:
1. Passes that allow users to prove their identity or membership to enter gambling-related
organizations.
2. Passes that allow users to check loyalty points / account balances for gambling-related organizations and use such balances for non-gambling purposes (e.g. redemption of
points for hotel room stays).
3. Passes that allow users to check a certain result of a state or government-sponsored lottery, without any additional functionality to conduct gambling-related transactions.
4. Passes that allow promotions and offers for gambling-related transactions at another website or facility which are not subsidized or sponsored by Google.
Other gambling-related activities that propose to use the Google Wallet API, including any form of monetary-related transactions, may be subject to additional approval processes during onboarding.
Fund Solicitation
We do not allow the APIs to be used for transactions or solicitation of donations to charities or organizations that are conducting unlawful or illegitimate fundraising activities.
Healthcare
We do not allow the APIs to be used for the provision of healthcare content and services, unless you hold a relevant license from or are otherwise supervised by a competent national authority, or the content and services are provided through individuals or organizations with such certifications. In addition, we also prohibit the provision of the following products or services:
1. Illegal or unapproved drugs, substances. pharmaceuticals or supplements. An indicative and non-exhaustive list of such products can be found here.
2. Drug paraphernalia
3. Miracle cure products
4. Speculative and/or experimental medical treatments, e.g., stem cell therapy, cellular (non-stem) therapy, gene therapy and similar forms of regenerative medicine, platelet rich plasma, biohacking, do-it-yourself (DIY) genetic engineering products, and gene therapy kits.
Hateful Content
We do not allow the APIs to be used for any transactions of products and services that promote violence, or incite hatred against individuals or groups based on race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or any other characteristic that is associated with systemic discrimination or marginalization.
Tobacco
We do not allow the APIs to be used for the transaction or sale of cigars, cigarettes, e-cigarettes, and other tobacco products. Vaping or e-liquid products for use in smoking devices are also prohibited, regardless of whether they contain nicotine or not.
Terrorist Organizations
We do not allow the APIs to be used for any transactions or provision of products and services by terrorist organizations, or to include any content related to terrorism, such as content that promotes terrorist acts, incites violence, or celebrates terrorist attacks. You also may not use the APIs in any way that falsely suggests your use of the APIs is endorsed by or associated with Google, or that is likely to damage or reduce Google’s goodwill or reputation.
Sensitive Data in Google Wallet (Private Passes)
We do not allow the APIs to be used for processing sensitive data in Google Wallet without explicit permission from Google. Sensitive data covers the following categories:
1. Personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership
2. Genetic or Biometric data for the purpose of uniquely identifying a natural person
3. Data concerning health or data concerning a natural person's sex life or sexual orientation
4. Data subject to legal regulation in the Developer's country of origin (e.g the Health Insurance Portability and Accountability Act in the United States)
5. Other forms of Sensitive Personally Identifiable Information (SPII). SPII is information which if lost, compromised, or disclosed without authorization, could result in substantial harm, embarrassment, inconvenience, or unfairness to an individual. Examples of such information include government identification numbers, driver's licenses and passport numbers.
Passes which process sensitive data (known as Private Passes) may be subject to additional privacy controls during onboarding. Passes API Usage Offer and Communications Policy.
We want to help Google Pay and Wallet developers create offers and share communications that are high quality, engaging, and relevant. Our content guidelines are designed to ensure that users have a safe and trusted experience with the Google Pay and Wallet APIs, covering the categories below:
1. Auto-Added Linked Passes
For certain Passes, issuers can use the Google Wallet API to send a related pass to users who have saved an existing active pass from that issuer. These related passes must:
1. Be connected to the same issuer as the original Pass (i.e. an issuer cannot promote a separate issuer’s products or offers through a related pass)
2. Be connected to the purpose of the original Pass that the user has added, such as:
(a) A promotion of a similar nature (e.g. offers for a different product offered by the same issuer).
(b) A promotion related to the purpose of original Pass (e.g. a voucher to be used during an event where an events Pass is being used).
3. Not be a repetition of the content of the original Pass or other related Passes.
4. Not contain communications, offers or links to websites to redeem offers that display non-family safe, offensive or inappropriate content.
5. Ensure that any such use of trademarked or copyrighted material complies with all applicable laws and regulations, including laws on comparative advertising.
6. Represent you or your products in a way that is not accurate, realistic, and truthful.
7. Not allow the selling of additional unrelated passes by the same issuer or other issuers to users.
Google Wallet API Usage for COVID-19 Vaccination & Testing Cards
To aid pandemic response, eligible entities may use the Google Wallet API to provide their patients with convenient evidence of vaccination and/or test results (hereafter referred to as “COVID Cards”). Usage of the API for this purpose is subject to the Google Wallet API Terms of Service, all provisions of the Google Wallet API Acceptable Use Policy and the following additional requirements:
Eligibility requirement
Usage of the Google Wallet API for COVID Cards is limited to entities in one or more of the below categories. Your API access request must be accompanied by signed documentation on official letterhead verifying that you represent or are endorsed by an eligible entity. All entities intending to issue COVID cards must use the COVID Card vertical to do so. If an entity has already used the Google Wallet API for another purpose or vertical, they must still fulfill the below requirements and complete an API access request for the COVID Card vertical. We do not allow entities using the Google Wallet API for another vertical (e.g. loyalty passes, event tickets) to issue COVID cards without being approved for the COVID Card vertical. For passes that include only uninterpreted vaccine or testing data, eligible entities are:
1. Official government agencies
2. Healthcare systems or providers (e.g. CVS Health, UK National Health Service,UnitedHealth Group, Kaiser Permanente, French national healthcare system, Netcare (South Africa), One Medical, etc.);
3. Organizations authorized by public health authorities to distribute COVID-19 vaccines and/or testing
For passes that include interpreted data (e.g. to determine an individual’s eligibility for travel or entry into public spaces), eligibility is limited to official government agencies or entities that have received permission from an official government agency. Interpreted data types are indicated with an asterisk in the Privacy requirements section below.
Privacy requirements
Usage of the Google Wallet API for COVID Cards must comply with the following requirements:
1. You must ensure that COVID Cards reveal the minimum amount of personally identifiable information (e.g. name, date of birth) required to achieve their purpose.
2. You must comprehensively disclose all data types you plan to reveal when onboarding. For any data types not listed below, you must include a rationale for why this data type is required for your use case. COVID Cards may, but are not required to, include the following:
(a) COVID-19 Vaccine Information
i. Vaccine code (e.g., CVX), vaccine generic description, or vaccine manufacturer
ii. Date of vaccination
iii. Lot number
iv. Dose number
v. Administering facility
vi. Future dose appointment details
(b) COVID-19 Test Information
i. Test code (e.g., LOINC) or test description
ii. Test result
iii. Date of testing
iv. Administering facility
(c) Issuer information (name in plaintext, public key, digital signature, contact information)
(d) Patient Name
(e) Patient Date of Birth
(f). Entry Eligibility Recommendation, i.e. an interpretation of an end user’s vaccination and/or testing status to determine eligibility to enter a particular space or participate in a particular activity (Note that COVID Cards using this data field are subject to additional eligibility requirements detailed above)
(g) *Expiration Date and Time (Note that COVID Cards using this data field are subject to additional eligibility requirements detailed above)
(h) Identity Assurance Level
3. You must not include or transmit any other sensitive personally identifiable information(e.g. government IDs, social security numbers, patient IDs, health worker IDs) without prior authorization.
Distribution requirements
Usage of the Google Wallet API for COVID Cards is limited to end users who are above the applicable legal age of consent. You must ensure that you only distribute the “Save to Phone” button to end users who are above the applicable legal age of consent.
These iDEAL Rules & Regulations (iDEAL R&R) of Currence iDEAL B.V. apply if you elect to offer iDEAL as a payment method to your customers via Checkout.com
CPSP means an institution which mediates in collecting the funds (managing third-party funds) of the iDEAL payments for its merchants, by offering its merchants the possibility to offer iDEAL as a payment method to their customers, in this case Checkout.com.
Currence iDEAL B.V. “Currence” means the product owner of the iDEAL Scheme, Currence also performs the role of the iDEAL Hub.
iDEAL means the service pursuant to the iDEAL Scheme whereby iDEAL transactions are processed, followed by an iDEAL payment.
iDEAL (Application Programming Interface) (API) means the application programming interface that is used for the purpose of exchanging data and information by and between the iDEAL Hub, institutions and merchants for the purpose of initiating, sending and receiving iDEAL transactions.
iDEAL Hub means a hub for enabling Issuers, CPSPs, and Merchants directly connected to the iDEAL Hub to offer iDEAL as a payment method to their clients/ customers and to send and retrieve information in relation to iDEAL transactions via the iDEAL API, which is operated by Currence.
iDEAL Scheme means a system of agreements and procedures for the offering and use of iDEAL
Issuer means the institution where the customer maintains an identified payment account with which the customer has access to its banking environment to initiate and authorise iDEAL request to pay for transactions.
MB WAY is provided by Checkout.com via SIBS Pagamentos. These rules apply if you elect to offer MB WAY to your customers via Checkout.com:
a. adult content; and
b. telemarketing
1.Multibanco - Payment Method Rules
Multibanco is a Portuguese interbank network and a provider of Internet banking services. Multibanco is provided by Checkout.com via PPRO. If you wish to access and use Multibanco as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.
By offering Multibanco as a payment method to your customers, you agree to comply with these Payment Method Rules, including:
You must sufficiently call attention to and explain Multibanco to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via Multibanco, for goods or services offered, is irrevocable unless permitted otherwise.
You agree not to treat Multibanco more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Multibanco, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Multibanco within a particular market.
You must not accept Multibanco as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.
2. Payment Methods Terms of Use – General & Common Terms
(a) The Contractual Partner is to follow PPRO’s reasonable instructions when integrating a Payment Method in the manner prescribed, when designing the order process as well as its internet presence with regard to the Payment Methods. For this purpose, PPRO will provide the Contractual Partner the girogate application program interface (”API”) documentation. The system requirements applicable to the girogate API and the technical specifications are described within the girogate API documentation.
(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.
(c) For Payment Methods that involve the re-direction of the Customer to his online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Contractual Partner may not use any i-frames when integrating the Payment Method within the payment process. The parties understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Contractual Partner whereby a Customer may be led to believe the contents are those of a third party rather than the Contractual Partner.
(d) The Contractual Partner acknowledges that the execution of a payment Transaction via individual Payment Methods and the possibility of a Customer cancelling or revoking a payment Transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO has no influence or control. The Contractual Partner accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of Transactions.
(e) It is not permitted for Redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per Transaction and will be deducted from any settlement funds owing the Contractual Partner. PPRO reserves the right to claim damages associated with a violation of this requirement should any arise and will notify the Contractual Partner thereof.
(f) If the Contractual Partner provides the girogate API to its own Merchants for their use, it must inform PPRO of the name, location, internet address and industry of all web shops of such Merchants by email or in writing without delay.
(g) The Contractual Partner undertakes that it and its Merchants (where applicable) will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.
(h) The Contractual Partner undertakes that it and any relevant Merchant will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to the Contractual Partner from time to time.
(i) The Contractual Partner shall ensure that the Payment Methods are only used to pay for products and services of Merchants where there is a direct contractual relationship between the Merchant and the Customer and the products and services are provided on the Merchant’s own account.
(j) Contractual Partner will, and if applicable will ensure that Merchants will:
i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;
ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;
iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.
(k) Merchants are not allowed to accept payments for goods or services:
i. that are not provided on the Merchant’s own account;
ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;
iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:
1. Illegal products and services, or products and services prohibited by applicable laws:
(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
(b) Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
(c) Counterfeit or unauthorized goods;
(d) Drugs and narcotics;
(e) Get-rich-quick schemes or pyramid schemes;
(f) Human or animal bodies or organs;
(g) Intellectual property or proprietary rights infringement;
(h) Nazi-branded products, Nazi content and articles;
(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
(j) Pay-to-remove sites or defamatory publications;
(k) Racist, sexist, misogynistic or otherwise abusive products and content;
(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
(a) Alcohol and alcoholic beverages;
(b) Archaeological findings and items;
(c) CBD and hemp products;
(d) Online pharmacies, prescription drugs;
(e) Fireworks and related products;
(f) Live animals;
(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
(h) Precious metals and stones;
(i) Substances designed to mimic illegal drugs;
(j) Tobacco, e-cigarettes, e-liquid and related products;
(k) Weapons, ammunition and related products;
3. Specialized financial or legal products or services:
(a) Bail bonds;
(b) Bankruptcy lawyers;
(c) Binary options;
(d) Credit, loans, short-term lending and other lending instruments;
(e) Debt collection;
(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
(g) Wealth management;
4. Miscellaneous
(a) Psychic or fortune-teller services;
(b) Pyrotechnic devices and supplies;
(c) Telemarketing;
(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform
The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:
i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.
3. Payment Methods - Specific Terms
3.1 Multibanco
3.1.1 General
3.1.2 Specific Terms
1. Multibanco is a Payment Method restricted to Customers in Portugal offering two alternatives for payments: One is a bank transfer via the Customer ́s online banking portal, the other alternative is cash payment at the ATM ́s of various Portuguese bank branches.
1. PostFinance - Payment Method Rules
PostFinance is provided by Checkout.com via PPRO. If you wish to access and use PostFinance as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.
By offering PostFinance as a payment method to your customers, you agree to comply with these Payment Method Rules, including:
You must sufficiently call attention to and explain PostFinance to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via PostFinance, for goods or services offered, is irrevocable unless permitted otherwise.
You agree not to treat PostFinance more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via PostFinance, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer PostFinance within a particular market.
You must not accept PostFinance as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.
2. Payment Methods Terms of Use – General & Common Terms
(a) The Contractual Partner is to follow PPRO’s reasonable instructions when integrating a Payment Method in the manner prescribed, when designing the order process as well as its internet presence with regard to the Payment Methods. For this purpose, PPRO will provide the Contractual Partner the girogate application program interface (”API”) documentation. The system requirements applicable to the girogate API and the technical specifications are described within the girogate API documentation.
(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.
(c) For Payment Methods that involve the re-direction of the Customer to his online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Contractual Partner may not use any i-frames when integrating the Payment Method within the payment process. The parties understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Contractual Partner whereby a Customer may be led to believe the contents are those of a third party rather than the Contractual Partner.
(d) The Contractual Partner acknowledges that the execution of a payment Transaction via individual Payment Methods and the possibility of a Customer cancelling or revoking a payment Transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO has no influence or control. The Contractual Partner accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of Transactions.
(e) It is not permitted for Redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per Transaction and will be deducted from any settlement funds owing the Contractual Partner. PPRO reserves the right to claim damages associated with a violation of this requirement should any arise and will notify the Contractual Partner thereof.
(f) If the Contractual Partner provides the girogate API to its own Merchants for their use, it must inform PPRO of the name, location, internet address and industry of all web shops of such Merchants by email or in writing without delay.
(g) The Contractual Partner undertakes that it and its Merchants (where applicable) will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.
(h) The Contractual Partner undertakes that it and any relevant Merchant will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to the Contractual Partner from time to time.
(i) The Contractual Partner shall ensure that the Payment Methods are only used to pay for products and services of Merchants where there is a direct contractual relationship between the Merchant and the Customer and the products and services are provided on the Merchant’s own account.
(j) Contractual Partner will, and if applicable will ensure that Merchants will:
i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;
ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;
iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.
(k) Merchants are not allowed to accept payments for goods or services:
i. that are not provided on the Merchant’s own account;
ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;
iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:
1. Illegal products and services, or products and services prohibited by applicable laws:
(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
(b) Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
(c) Counterfeit or unauthorized goods;
(d) Drugs and narcotics;
(e) Get-rich-quick schemes or pyramid schemes;
(f) Human or animal bodies or organs;
(g) Intellectual property or proprietary rights infringement;
(h) Nazi-branded products, Nazi content and articles;
(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
(j) Pay-to-remove sites or defamatory publications;
(k) Racist, sexist, misogynistic or otherwise abusive products and content;
(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
(a) Alcohol and alcoholic beverages;
(b) Archaeological findings and items;
(c) CBD and hemp products;
(d) Online pharmacies, prescription drugs;
(e) Fireworks and related products;
(f) Live animals;
(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
(h) Precious metals and stones;
(i) Substances designed to mimic illegal drugs;
(j) Tobacco, e-cigarettes, e-liquid and related products;
(k) Weapons, ammunition and related products;
3. Specialized financial or legal products or services:
(a) Bail bonds;
(b) Bankruptcy lawyers;
(c) Binary options;
(d) Credit, loans, short-term lending and other lending instruments;
(e) Debt collection;
(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
(g) Wealth management;
4. Miscellaneous
(a) Psychic or fortune-teller services;
(b) Pyrotechnic devices and supplies;
(c) Telemarketing;
(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform
The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:
i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.
3. Payment Methods - Specific Terms
3.1 PostFinance (Yellowpay e-finance)
3.1.1 General
3.1.2 Specific Terms
Przelewy24 is provided by Checkout.com via PPRO. If you wish to access and use Przelewy24 as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.
By offering Przelewy24 as a payment method to your customers, you agree to comply with these Payment Method Rules, including:
You must sufficiently call attention to and explain Przelewy24 to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via Przelewy24, for goods or services offered, is irrevocable unless permitted otherwise.
You agree not to treat Przelewy24 more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via Przelewy24, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer Przelewy24 within a particular market.
You must not accept Przelewy24 as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.
2. Payment Methods Terms of Use – General & Common Terms
(a) The Contractual Partner is to follow PPRO’s reasonable instructions when integrating a Payment Method in the manner prescribed, when designing the order process as well as its internet presence with regard to the Payment Methods. For this purpose, PPRO will provide the Contractual Partner the girogate application program interface (”API”) documentation. The system requirements applicable to the girogate API and the technical specifications are described within the girogate API documentation.
(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.
(c) For Payment Methods that involve the re-direction of the Customer to his online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Contractual Partner may not use any i-frames when integrating the Payment Method within the payment process. The parties understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Contractual Partner whereby a Customer may be led to believe the contents are those of a third party rather than the Contractual Partner.
(d) The Contractual Partner acknowledges that the execution of a payment Transaction via individual Payment Methods and the possibility of a Customer cancelling or revoking a payment Transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO has no influence or control. The Contractual Partner accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of Transactions.
(e) It is not permitted for Redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per Transaction and will be deducted from any settlement funds owing the Contractual Partner. PPRO reserves the right to claim damages associated with a violation of this requirement should any arise and will notify the Contractual Partner thereof.
(f) If the Contractual Partner provides the girogate API to its own Merchants for their use, it must inform PPRO of the name, location, internet address and industry of all web shops of such Merchants by email or in writing without delay.
(g) The Contractual Partner undertakes that it and its Merchants (where applicable) will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.
(h) The Contractual Partner undertakes that it and any relevant Merchant will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to the Contractual Partner from time to time.
(i) The Contractual Partner shall ensure that the Payment Methods are only used to pay for products and services of Merchants where there is a direct contractual relationship between the Merchant and the Customer and the products and services are provided on the Merchant’s own account.
(j) Contractual Partner will, and if applicable will ensure that Merchants will:
i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;
ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;
iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.
(k) Merchants are not allowed to accept payments for goods or services:
i. that are not provided on the Merchant’s own account;
ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;
iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:
1. Illegal products and services, or products and services prohibited by applicable laws:
(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
(b) Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
(c) Counterfeit or unauthorized goods;
(d) Drugs and narcotics;
(e) Get-rich-quick schemes or pyramid schemes;
(f) Human or animal bodies or organs;
(g) Intellectual property or proprietary rights infringement;
(h) Nazi-branded products, Nazi content and articles;
(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
(j) Pay-to-remove sites or defamatory publications;
(k) Racist, sexist, misogynistic or otherwise abusive products and content;
(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
(a) Alcohol and alcoholic beverages;
(b) Archaeological findings and items;
(c) CBD and hemp products;
(d) Online pharmacies, prescription drugs;
(e) Fireworks and related products;
(f) Live animals;
(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
(h) Precious metals and stones;
(i) Substances designed to mimic illegal drugs;
(j) Tobacco, e-cigarettes, e-liquid and related products;
(k) Weapons, ammunition and related products;
3. Specialized financial or legal products or services:
(a) Bail bonds;
(b) Bankruptcy lawyers;
(c) Binary options;
(d) Credit, loans, short-term lending and other lending instruments;
(e) Debt collection;
(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
(g) Wealth management;
4. Miscellaneous
(a) Psychic or fortune-teller services;
(b) Pyrotechnic devices and supplies;
(c) Telemarketing;
(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform
The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:
i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.
3. Payment Methods - Specific Terms
3.1 Przelewy24 (P24)
3.1.1 General
3.1.2 Specific Terms
(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.
1. SEPA Direct Debit - Payment Method Rules
SEPA Direct Debit allows you to collect funds from bank accounts at authorised credit institutions located within the Single Euro Payments Area. SEPA Direct Debit is provided by Checkout.com via PPRO. If you wish to access and use SEPA Direct Debit as a payment method, you must be registered with PPRO in order to receive a Merchant Contract ID.
By offering SEPA Direct Debit as a payment method to your customers, you agree to comply with these Payment Method Rules, including:
You must sufficiently call attention to and explain SEPA Direct Debit to customers, and point out to customers in a clearly recognizable and easily accessible form, either directly or on your website, that the order placed by the customer to remit the purchase price via SEPA Direct Debit, for goods or services offered, is irrevocable unless permitted otherwise.
You agree not to treat SEPA Direct Debit more favourably than any other payment methods offered to your customers, in particular with respect to advertising, marketing or promoting such payment methods in a manner that could reasonably be held to unfairly position or disadvantage one payment method from another based on the display of marks or other branding. You must not request a surcharge from customers, in addition to the fees already agreed between you and Checkout.com, for payments made via SEPA Direct Debit, to the extent surcharging is prohibited under applicable laws. However, you may decide in your sole discretion, whether to offer SEPA Direct Debit within a particular market.
You must not accept SEPA Direct Debit as payment for goods or services that are prohibited or otherwise restricted by the General Terms of Use or the Specific Terms of Use in sections 2 and 3 below.
2. Payment Methods Terms of Use – General & Common Terms
(a) The Contractual Partner is to follow PPRO’s reasonable instructions when integrating a Payment Method in the manner prescribed, when designing the order process as well as its internet presence with regard to the Payment Methods. For this purpose, PPRO will provide the Contractual Partner the girogate application program interface (”API”) documentation. The system requirements applicable to the girogate API and the technical specifications are described within the girogate API documentation.
(b) Offering Payment Methods to an end Customer by means of a link sent to such end Customer by email or similar is strictly prohibited.
(c) For Payment Methods that involve the re-direction of the Customer to his online banking page (“Redirect Payment Methods”) the Customer must recognize this via the display of the bank’s URL in the address line of the browser and visibility of the relevant security certificate. In particular with regard to Redirect Payment Methods, the Contractual Partner may not use any i-frames when integrating the Payment Method within the payment process. The parties understand the term “i- frame” to designate a technology by means of which a HTML document is embedded inside another HTML document on a website of the Contractual Partner whereby a Customer may be led to believe the contents are those of a third party rather than the Contractual Partner.
(d) The Contractual Partner acknowledges that the execution of a payment Transaction via individual Payment Methods and the possibility of a Customer cancelling or revoking a payment Transaction are subject to the terms and conditions of the respective bank with which the Customer holds an account over which PPRO has no influence or control. The Contractual Partner accepts that such general terms and conditions of corresponding banks are subject to change at any time and that such changes may impact the execution or fulfillment of Transactions.
(e) It is not permitted for Redirect Payment Methods to be used for the purposes of verifying the identity or age of Customers without obtaining PPRO’s express written permission beforehand. Failure to comply with the foregoing will incur a penalty of EUR 10.00 per Transaction and will be deducted from any settlement funds owing the Contractual Partner. PPRO reserves the right to claim damages associated with a violation of this requirement should any arise and will notify the Contractual Partner thereof.
(f) If the Contractual Partner provides the girogate API to its own Merchants for their use, it must inform PPRO of the name, location, internet address and industry of all web shops of such Merchants by email or in writing without delay.
(g) The Contractual Partner undertakes that it and its Merchants (where applicable) will treat the respective Payment Methods equally to each other and to other payment modes in their online selections, in particular with respect to advertising, marketing or promoting such Payment Methods in a manner that could not reasonably be held to unfairly position or disadvantage one Payment Method from another based on the display of marks or other branding. The respective Payment Methods must be separately listed.
(h) The Contractual Partner undertakes that it and any relevant Merchant will cooperate with requests by PPRO for information in specific situations that require further investigation in relation to a Payment Method as may be notified by PPRO to the Contractual Partner from time to time.
(i) The Contractual Partner shall ensure that the Payment Methods are only used to pay for products and services of Merchants where there is a direct contractual relationship between the Merchant and the Customer and the products and services are provided on the Merchant’s own account.
(j) Contractual Partner will, and if applicable will ensure that Merchants will:
i. comply with all Applicable Law relating to online or distance sales agreements including consumer protection laws;
ii. not request a surcharge from Customers for a specific or all Payment Methods, if such surcharge is explicitly prohibited by the Payment Method (as stated in the Specific Terms of a Payment Method below) and/or Applicable Law;
iii. have implemented a comprehensive Customer support service with a documented complaints and escalation procedure and will respond in a timely manner.
(k) Merchants are not allowed to accept payments for goods or services:
i. that are not provided on the Merchant’s own account;
ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;
iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:
1. Illegal products and services, or products and services prohibited by applicable laws:
(a) Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
(b) Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
(c) Counterfeit or unauthorized goods;
(d) Drugs and narcotics;
(e) Get-rich-quick schemes or pyramid schemes;
(f) Human or animal bodies or organs;
(g) Intellectual property or proprietary rights infringement;
(h) Nazi-branded products, Nazi content and articles;
(i) No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
(j) Pay-to-remove sites or defamatory publications;
(k) Racist, sexist, misogynistic or otherwise abusive products and content;
(l) Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
(a) Alcohol and alcoholic beverages;
(b) Archaeological findings and items;
(c) CBD and hemp products;
(d) Online pharmacies, prescription drugs;
(e) Fireworks and related products;
(f) Live animals;
(g) Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
(h) Precious metals and stones;
(i) Substances designed to mimic illegal drugs;
(j) Tobacco, e-cigarettes, e-liquid and related products;
(k) Weapons, ammunition and related products;
3. Specialized financial or legal products or services:
(a) Bail bonds;
(b) Bankruptcy lawyers;
(c) Binary options;
(d) Credit, loans, short-term lending and other lending instruments;
(e) Debt collection;
(f) Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
(g) Wealth management;
4. Miscellaneous
(a) Psychic or fortune-teller services;
(b) Pyrotechnic devices and supplies;
(c) Telemarketing;
(d) Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform
The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:
i. Afghanistan, Bahamas, Barbados, Belarus, Bonaire, Sint Eustatius and Saba, Botswana, Burkina Faso, Cambodia, The Democratic Republic of Congo, The Republic of Congo, Crimea, Cuba, Ethiopia, Gaza Strip, Ghana, Guinea-Bissau, The Republic of Guinea, Haiti, Islamic Republic of Iran, Iraq, Jamaica Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia , Sri Lanka, Sudan, Swaziland, Syria, Trinidad and Tobago, Uganda, Vanuatu, Venezuela, West Bank (Palestinian Territory), Yemen, Zimbabwe.
2. Payment Methods - Specific Terms
3.1 SEPA Direct Debit
3.1.1 General
3.1.2 Specific Terms
General Terms and Conditions
1. Definitions
1.1 “Acquired Claim” means a Guaranteed Payment and/or Authorised Credit.
1.2 “Authorised Credit” means the acceptance of a customer’s request for instalment payments by Tabby whereby a Claim is transferred from the Merchant to Tabby, including any credit and other (fraud) risks.
1.3 “Claim” means the right of the Merchant to fulfilment of a payment obligation by a customer that made a Payment with the Merchant.
1.4 “Guaranteed Payment” means the transfer of a Claim from the Merchant to Tabby , including any credit and other (fraud) risks.
1.5 “Failed Claim” means any Guaranteed Payment or Authorized Credit that no longer fulfils the conditions as set forth in Business Rules and for which reason Tabby withdraws its guarantee or credit, resulting in the Merchant becoming/ remaining liable (again) for any Claims.
1.6 “Liabilities” – shall refer to any and all fees charged by Tabby, any Failed Claims and any and all actual and reasonably anticipated losses incurred by Tabby as a result of: (i) negligence, fraud, dishonesty or willful misconduct by the Merchant or its affiliates, officers, directors, employees, agents, representatives or customers of the Merchant; and/or (ii) any breach of the Agreement, including but not limited to any Payments that are refunded, reversed, withdrawn or refused for any reason.
1.7 “Payment” means a purchase of a good and/or service by a customer from the Merchant, with a Payment Method provided by Tabby.
“Payment Method” means the instalment payment options offered by Tabby, named Tabby after Delivery and Tabby Instalments.
1.8 “Payment Method” means the instalment payment options offered by Tabby, named Tabby after Delivery and Tabby Instalments.
1.9 “Sales Channel” means either the online website(s) of the Merchant, which has been approved by Tabby for integration with the Payment Methods which are initially set in the Cover Letter, as may be amended from time to time upon Tabby’s explicit written approval (via email).
1.10 “Services” means the related payment processing services in relation to the Payment Methods, including execution, collection and settlement of the Payments.
1.11 “Tabby” means Tabby FZ LLC, a company incorporated in Dubai, UAE with registered office at In5, Dubai Internet City, Dubai, UAE and CR# 1010614810;
1.12 “Transaction Evidence” means such evidence as Tabby reasonably requires, including the names and prices of the good(s) sold, together with relevant proof that the good(s) have been properly delivered to the customer, and the transaction receipt and the name and contact information of the customer who made payments for the product(s).
2. Scope of Services
2.1 In consideration of payment of the Tabby fees as set forth by the PSP to Merchant, Tabby hereby undertakes to make available the Payment Method(s) and to provide and perform all and any of the Services, as the same may be amended from time to time, in accordance with the terms and subject to the conditions contained in this Agreement and with applicable laws.
2.2 Tabby agrees to provide the Services based on the information supplied by Merchant, and Merchant’s use of the Services is strictly dependent upon this information. Tabby reserves the right to amend any one or more of these provisions and other applicable conditions including - but not limited to - the risk conditions, by giving notice in writing to the Merchant.
2.3 Tabby will perform its obligations under this Agreement in accordance with applicable laws and it will ensure it has, at all times, all permits, licences, authorisations and consents necessary to perform its obligations under these Terms (and, in our case, necessary for us to perform the Services). Each Party shall comply with applicable consumer laws and Parties shall closely cooperate to promote the smooth conduct of operations of the Services.
2.4 Tabby will provide the Services and perform its other obligations with reasonable care and skill. Tabby may need and therefore reserve the right to enhance, update, change, suspend or discontinue any aspect of the Services provided at any time, including but not limited to the hours of operations or availability of the Services or any feature of the services. Tabby will endeavor to implement such changes to the Services with minimal disruption to the Merchant’s use of the Services but will provide written notice to the Merchant if any changes may cause any such disruption. In the case of changes to the Services required to comply with applicable laws or a direction from a regulatory authority, Tabby may implement the change prior to notifying the Merchant, provided that Tabby will notify the Merchant of the relevant change as soon as reasonably practicable if Tabby reasonably believes the relevant change may adversely impact the Services.
2.5 Tabby may carry out planned and unplanned maintenance as notified to the Merchant.
3. Claims, Authorised Claims and Failed Claims
3.1 Under the following circumstances, Tabby may take over the Claim of a Payment from the Merchant and designate such Claim as an Authorised Credit:
3.2.1 A customer sends a request for instalments to Tabby through the interface of PSP with the Merchant’s Sales Channel(s);
3.2.2 Tabby performs a credit assessment of the customer and either accepts or declines the customer’s request for instalments;
3.2.3 Tabby shall at its own discretion determine any credit limit for each customer and it reserves the right to increase or reduce such credit limit at any time.
In the event of an Authorized Credit, Tabby shall transfer the value of the underlying Payment to the PSP. Tabby shall be responsible and liable for the collection of the payment from the customer, which shall be undertaken in instalments.
3.3 In order for a Claim to be eligible for and to remain an Authorized Claim or Authorized Credit, the following conditions apply and shall continue to apply:
(a) Transaction Evidence: Transaction Evidence must be provided for each Claim.
(b) Dispute-Free Transactions: There must be no disputes between the customer and the Merchant, except for non-payment issues. If a dispute arises, such as non-delivery of goods, proof of delivery must be provided to keep the Claim authorized.
(c) No Cancellations or Returns: The customer must not exercise statutory rights to cancel the purchase, and the Merchant must not offer any return rights for the goods.
(d) Compliance and Legality: The purchase must comply with all applicable laws, and there should be no suspicion of fraud or illegal activity by the Merchant.
3.4 Consequences of Non-Compliance with the conditions in 3.3 above are as follows:
(a) Failed Claims: Claim(s) will undergo a charge back and be labelled as a Failed Claim.
(b) Recurring Failures: Frequent failure to meet the conditions in 3.3 may result in in all current Authorized Claims and Credits undergoing a chargeback to customers and all access to services and Tabby’s Payment Methods being suspended and/or terminated.
(c) Cost Responsibility: Responsibility for the recovery of payments from customers under Failed Claims will be the responsibility of the Merchant.
4. Data Protection
Tabby warrants and undertakes that it shall process personal data (including but not limited to any of its customer’s personal data embedded in a transaction) in accordance with applicable data protection laws and handle such personal data with care and in a confidential manner. Tabby shall only process personal data to the extent necessary to perform its obligations under the Agreement and have in place appropriate technical and organizational measures which ensure an appropriate level of security for the processing of personal data.
5. Suspension and Termination
5.1 Tabby shall have the undisputed right to suspend or terminate its Services, either partially or wholly in the event that:
(a) Merchant is in breach of these obligations and/or applicable laws;
(b) Merchant infringes the brands or marks of Tabby or uses these other than in strict accordance with Tabby’s instructions;
(c) a law or regulatory authority mandates suspension;
(d) there is suspicious activity in relation to the Merchant’s use of the Services, as reasonably determined by Tabby;
(e) the business conducted by the Merchant would endanger or negatively impact the safety, soundness of the business, integrity, good name, brand and/or the reputation of Tabby;
(f) the Merchant, its directors or ultimate beneficial owners is/are wilfully dishonest, engage(s) in misconduct with respect to its/their business or affairs and/or Tabby reasonably suspects or has evidence that Merchant is conducting fraudulent activities; and/or
(g) any other event or series of events (including, any adverse change in the Merchant’s business, assets or financial condition) or any acts or omissions by Merchant which in the sole but reasonable opinion of Tabby, may affect Merchant’s ability to comply with all or any of its obligations under the Agreement.
5.2 Merchant shall be notified in the event of Tabby’s exercise of its rights under this clause, unless prohibited pursuant applicable laws. Should any ground specified in the preceding clause subsists for more than ten (10) business days after any suspension, Tabby shall have the right to terminate some or all of the suspended Services or this Agreement. Tabby will have no liability for any losses Merchant may attribute to any suspension of the Services.
5.3 The Merchant shall respond to Tabby within five (5) business days from the date upon which PSP is notified by Tabby of any Transaction dispute, with findings and supporting documents relating to the particulars of the dispute.
These Tamara Payment Method Rules apply if you elect to offer payment methods supported by Tamara to your customers via Checkout.com: https://support.tamara.co/hc/en-us/categories/360003049779-Merchant
WeChat Pay - Payment Method Rules
These WeChat Pay Payment Method Rules apply if you elect to offer WeChat Pay as a payment method to your customers via Checkout.com.
Relevant States means the country and/or region where you are registered, or the country and/or region where your activities are operated, and China.
Tenpay means Tenpay Payment Technology Co., Ltd., a company incorporated and existing under the laws of the People’s Republic of China with the Company Registration Number of 91440300792584584M and its principal place of business at 8/F, Tencent Building, Kejizhongyi Avenue, Hi-Tech Park, Nanshan District, Shenzhen, China.
WeChat Pay Cross-Border Payment Service means the cross-border funds settlement services provided by Tenpay to merchants via Checkout.com, so that the merchants can receive payment for products sold in designated currencies via Checkout.com.
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