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Payment Method Terms of Use

Payment Method Terms of Use

1. GENERAL PROVISIONS

  • 1.1. These Payment Method Terms of Use are an integral part of the Agreement.
  • 1.2. The following clauses contain provisions that the MERCHANT shall follow in relation to specific Payment Methods which are provided to it in accordance with the Service Order.
  • 1.3. Where specific Transaction Amount limits are included in these Payment Method Terms of Use, ECOMMPAY may change these limits at any time without prior notification if ECOMMPAY reasonably determines necessary to do so for security on anti-money laundering risk mitigation purposes. Any such changes shall be notified to the MERCHANT as soon as practicable.
  • 1.4. Where the Service Order refers to payment instruments of particular regions it shall be understood that these are payment instruments issued by entities from that region. European Cards shall be understood as Cards issued by Card issuers from the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
  • 1.5. Where a surcharge is set out for Transactions of particular Payment Methods in the Service Order, the surcharge shall be applied to Transactions of Users from the following countries: Albania, Argentina, Armenia, Azerbaijan, Bangladesh, Belarus, Bosnia-Herzegovina, Brazil, Bulgaria, Cambodia, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Egypt, Estonia, Georgia, Greece, Hungary, Iceland, India, Indonesia, Israel, Japan, Kazakhstan, Kenya, Korea (South), Kuwait, Latvia, Lithuania, Macedonia, Malaysia, Mexico, Moldova, Montenegro, Nigeria, Oman, Pakistan, Peru, Philippines, Romania, Russia, Saudi Arabia, Serbia, Seychelles, Slovenia, South Africa, Sri Lanka, Taiwan, Thailand, Tunisia, Turkey, Ukraine, United Arab Emirates, Uruguay, Venezuela and Vietnam.

2. CARD ORGANISATION RULES

3. PROVISIONS APPLICABLE TO SEPARATE PAYMENT METHODS

  • 3.1. The provisions of this clause 3 shall be applicable in relation to the Payment Methods referred to in clauses 4-18 of these Payment Method Terms of Use.
  • 3.2. The MERCHANT shall sufficiently call attention to and explain the Payment Methods offered and point out to Users in clearly recognisable and easily accessible form – either directly with the choice of the respective Payment Method offered on its Website and/or Application – that the order placed by the Users to remit the purchase price via the respective Payment Method, for goods or services offered, is irrevocable unless the Payment Method permits otherwise.
  • 3.3. The MERCHANT shall not treat individual Payment Methods offered more favourably than other Payment Methods offered, 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. This clause shall not affect the right of the MERCHANT to decide at its sole discretion, which Payment Methods (if any) it chooses to expose within a particular market.
  • 3.4. The MERCHANT warrants that it has implemented a documented complaints and escalation procedure with a User support function contactable by email for User support with regards to the Payment Methods.
  • 3.5. The MERCHANT shall not request any surcharges from Users for Transactions made via the Payment Methods.
  • 3.6. The MERCHANT shall comply with all legal provisions and information relating to distance sales agreements and the products and services of the MERCHANT shall be provided in conjunction with consumer protection laws, if applicable.
  • 3.7. Where applicable to the MERCHANT, it shall process all Transactions with regards to Payment Methods in accordance with the specifications and other technical processing requirements stipulated by ECOMMPAY and comply with all and any further general processing requirements of ECOMMPAY.
  • 3.8. The MERCHANT shall:
  • 3.8.1. make available the Payment Methods exclusively for products or services that have been delivered or are yet to be delivered on the basis of an actual contractual relationship between the MERCHANT and a User;
  • 3.8.2. make available the Payment Methods in a manner such that it shall not actively exclude individual banks connected to such a Payment Method;
  • 3.8.3. not offer or otherwise make available Payment Methods for any of the categories of businesses and business practices that are listed in clause 3.10.
  • 3.9. The MERCHANT shall not to accept Transactions for goods or services:
  • 3.9.1. that are not provided on the MERCHANT’s own account;
  • 3.9.2. that are not provided within the scope of the normal business operation of the MERCHANT which has been accepted by ECOMMPAY;
  • 3.9.3. that are included in the prohibited business category listing (clause 3.10).
  • 3.10. Payment Methods are not permitted to be offered to, used by or otherwise made available to any of the following categories of business:
  • 3.10.1. any goods and services which are illegal as such or for which the promotion, offer or distribution of are illegal or which are offered in connection with illegal, obscene or pornographic content;
  • 3.10.2. any goods and services whose promotion, offer or distribution would infringe copyrights and intellectual property rights as well as other rights of third parties;
  • 3.10.3. any goods and services which are connected to war or terrorism or the glorification thereof;
  • 3.10.4. any material to incite sexual or physical violence against any person;
  • 3.10.5. any material that can be reasonably classified as promoting hate speech or promoting violence against a group of persons based on their race, gender, religion, physical or mental capabilities, or sexuality;
  • 3.10.6. archaeological finds;
  • 3.10.7. drugs, narcotics and psychotropic substances;
  • 3.10.8. goods that are subject to a trade embargo;
  • 3.10.9. media harmful to young people, as far as the particular offer violates Applicable Laws and in particular, legal provisions for the protection of minors;
  • 3.10.10. body parts and mortal remains of humans;
  • 3.10.11. Nazi articles and publications;
  • 3.10.12. protected animal and plant species;
  • 3.10.13. Lotteries promoted over the phone;
  • 3.11. Where applicable to the MERCHANT, it shall ensure that:
  • 3.11.1. any User identification and/or authenticating data that could be used to place orders shall not be stored electronically or written down in another form, except to the extent authorised by the Payment Card Industry Data Security Standard;
  • 3.11.2. during the input of User identification and/or authenticating data that could be used to place orders, third parties are prevented from obtaining such data.
  • 3.12. In the event that the MERCHANT discovers that a third party has attained knowledge of User identification and authenticating data, or misuse is suspected, the MERCHANT shall immediately inform ECOMMPAY thereof and where possible ECOMMPAY may disable access to the Payment Method until the matter is resolved.
  • 3.13. The MERCHANT warrants that:
  • 3.13.1. it shall not use the Payment Methods for the purposes of, or in any way connected with, money laundering, terrorist financing, fraud or any other financial crime; and
  • 3.13.2. the funds being transferred are not the proceeds of crime (as defined under the UK Proceeds of Crime Act 2002, as amended or succeeded from time to time).
  • 3.14. Without prejudice to any rights granted to ECOMMPAY under the Agreement, if ECOMMPAY suspects that the MERCHANT, any of its affiliates, or Users, as applicable, are involved in or connected with money laundering, terrorist financing, fraud or any other financial crime, ECOMMPAY shall be entitled to temporarily aggregate funds and withhold the settlement of Transaction аmounts without notification and without stating any reasons.
  • 3.15. Without prejudice to any rights granted to ECOMMPAY under the Agreement, ECOMMPAY may, in complying with its obligations under the Money Laundering Regulations 2007, as amended or succeeded from time to time, or ensuring such compliance for any other involved financial institution, request information from the MERCHANT in relation to the MERCHANT’s organisational structure. The MERCHANT shall provide such information without undue delay upon request of ECOMMPAY. Should the MERCHANT provide such information to ECOMMPAY, it warrants that any information pertaining to shareholders contained therein and the scope of their participation at the commencement date, and afterwards, is complete and accurate and that the shareholders, unless otherwise stated, do not hold their shares as trustees for third parties. Insofar as a shareholder is itself a company or legal entity, the MERCHANT must provide a comprehensive overview of the respective shareholder structure inclusive of the ultimate beneficial owners.
  • 3.16. ECOMMPAY‘s responsibility in regard to the remittance of funds is strictly restricted to transferring to the MERCHANT the amount as received from the respective bank, financial institution, Payment Method Provider, Card Organisation or payment scheme subject to any deductions as made in accordance with the Agreement. In no event shall ECOMMPAY bear any responsibility or assume any liability towards the MERCHANT with respect to funds that have not been received by ECOMMPAY from the respective bank, financial institution, Payment Method Provider, Card Organisation or payment scheme. Under no circumstances shall ECOMMPAY be liable for any failure of the respective bank, financial institution, Payment Method Provider, Card Organisation or payment scheme to effect payment of the settlement amount or for any other act or omission by such entity.
  • 3.17. The MERCHANT shall submit to ECOMMPAY in its entirety, such relevant information and documentation concerning the MERCHANT as may be required solely for the purposes of ensuring compliance with these Payment Method Terms of Use, ECOMMPAY’s and any involved financial institution’s obligations as regulated financial institutions, including any applicable requirements under anti-money laundering laws and regulations. Any changes in such information concerning the MERCHANT must be reported by the MERCHANT to ECOMMPAY in writing without undue delay.
  • 3.18. ECOMMPAY shall be entitled to forward all relevant information collected from the MERCHANT to clearing centres, financial institutions, acquirers, payment schemes, Payment Method Providers, Card Organisations, authorised banking partners and credit agencies to the extent reasonably necessary for the provision of the Payment Methods.
  • 3.19. ECOMMPAY shall not at any time be held liable for a breach of data security obligations by the MERCHANT, whether known or accidental.
  • 3.20. Unless otherwise agreed by the Parties, ECOMMPAY shall be entitled to retain a security deposit (holdback) for certain Payment Methods that carry the risk of a Transaction Dispute. The holdback will be notified to the MERCHANT and ECOMMPAY shall be entitled to adjust this holdback at any time notice of which shall be provided to the MERCHANT. Without restricting ECOMMPAY’s discretion under this clause, ECOMMPAY may take into account, amongst others, the following factors when determining the amount of any holdback:
  • 3.20.1. the MERCHANT ceases its business or a substantial part thereof;
  • 3.20.2. the MERCHANT materially alters the nature of its business;
  • 3.20.3. the business activities of the MERCHANT carry a higher than normal risk of Transactions being charged back or otherwise reversed;
  • 3.20.4. the overall financial standing of the MERCHANT;
  • 3.20.5. the MERCHANT becomes insolvent or is otherwise unable to pay its debts as they fall due;
  • 3.20.6. ECOMMPAY, at its sole discretion, has a reasonable belief that the MERCHANT will be unable to perform its obligations under the Agreement;
  • 3.20.7. ECOMMPAY receives a frequent number of enquiries from Payment Method Providers, payment schemes, Card Organisations, police or regulatory authorities relating to the business activities of the MERCHANT in connection with actual or suspected fraud or financial crime;
  • 3.20.8. a relevant amount of holdback has been retained or adjusted by an involved financial institution.
  • 3.21. ECOMMPAY shall only be responsible for the fulfilment of its settlement obligations relating to Transaction amounts with regards to the Payment Methods, if all of the following prerequisites are met:
  • 3.21.1. the acceptance of a Transaction was made in accordance with all contractual obligations and in compliance with these Payment Method Terms of Use;
  • 3.21.2. the bank, payment scheme or Payment Method of the User has not reversed or otherwise withheld the payment;
  • 3.21.3. the respective Transaction amount has been received by ECOMMPAY;
  • 3.21.4. the provisions within clause 3.22 have not been triggered or brought into effect.
  • 3.22. The MERCHANT acknowledges that ECOMMPAY shall be entitled to suspend any Payment Method and/or withhold remittance of funds with regards to the Payment Method, if the MERCHANT:
  • 3.22.1. submits for settlement or processing, turnovers that are not exclusively from the MERCHANT’s own business operation, but rather turnovers of third parties;
  • 3.22.2. does not possess the requisite permissions, authorisations, licenses or other official approval necessary for the operation of its business;
  • 3.22.3. does not make reference to its general terms and conditions in a clearly visible manner, including - but not limited to - the law applicable to particular User agreements;
  • 3.22.4. does not reference individual Payment Methods in the manner prescribed by ECOMMPAY;
  • 3.22.5. distributes goods or services contrary to these Payment Method Terms of Use;
  • 3.22.6. submits turnovers via URLs other than those accepted by ECOMMPAY for the Payment Methods;
  • 3.22.7. commits or Users commit actual fraud or ECOMMPAY reasonably suspects that actual fraud has otherwise been committed.
  • 3.23. If ECOMMPAY determines at its sole discretion that the reason for the service suspension or withholding has been reasonably resolved, it will proceed with lifting the suspension or the withholding and informing the MERCHANT accordingly.
  • 3.24. In any event where ECOMMPAY suspends or withholds funds in accordance with clause 3.22 hereof, ECOMMPAY shall notify the MERCHANT in such event unless to do so would be contrary to any Applicable Laws or jeopardise any investigation of fraud.
  • 3.25. Upon termination of a particular Payment Method, the MERCHANT shall remove any links to the Payment Method which had been made available via Services unless the MERCHANT has sourced access to the same via a third party.

4. ALIPAY

  • 4.1. Refund possibility: Yes.
  • 4.2. Transaction minimum: NA.
  • 4.3. Transaction maximum: RMB 50,000.00 per day.
  • 4.4. The MERCHANT accepts that Alipay reserves the right to stop the “Express Checkout Service” on their interface, if at any stage unauthorised Transactions exceed Transaction volumes of 20.000 RMB or a rate of 0.001 % of total Transaction volume; or for risk prevention purposes. These limits may be changed by Alipay at any time.
  • 4.5. The MERCHANT agrees that in the event of a complaint by a User of Alipay services concerning the MERCHANT and Alipay deems such complaint to be justified, the MERCHANT will be liable to pay the amount of any fines, expenses or monetary penalty that ECOMMPAY may incur as determined by Alipay in its sole discretion, except to the extent where caused due to ECOMMPAY.
  • 4.6. The payment method Alipay services may not be used for:
  • 4.6.1. Illegal political audio-visual products and publications, illegal reactionary cards and program channels, state secret documentations and information, other reactionary articles and speeches;
  • 4.6.2. Gambling tools, private lottery, gambling service, lottery ticket, pyramid selling, gold futures, lucky draw, high-risk services;
  • 4.6.3. Drug-taking tools, ammunitions and weapons/firearms and accessories, controlled instruments, crime articles, fireworks and firecrackers, poisonous articles and hazardous chemicals, adult drugs (aphrodisiac);
  • 4.6.4. Credit speculation service (including speculation of Taobao credit rating), credit card cashing service, crowd funding websites, counterfeit currency, bank account Transaction (bank cards), stock, fund, insurance, insurance platform, periodical investment of gold, bank financial products, cashback services, single-purpose prepaid cards, securities, illegal fund-raising, foreign exchange services, virtual currency in foreign accounts, receipts (invoices), Bitcoin, Litecoin, YBcoin and other virtual currency transactions, MCard etc., Auction, Pawn, payment institutions, circulating RMB, foreign currency;
  • 4.6.5. Fetal gender diagnosis, human organs, surrogacy services, examination services, medical devices, contact lens;
  • 4.6.6. Hacking-related, malware, other software services which jeopardise Alibaba and the subsidiaries of Alibaba, video chatting services, religious websites, online cemetery and worshipping and other services, computer privacy information monitoring, satellite antenna etc., spying instruments, other personal privacy-harming articles or services, ID card information and other information which infringe other’s privacy, certificate issuing and stamp carving;
  • 4.6.7. Foreign-related matchmaking service, items and services in violation of relevant state regulations, poor quality (fake) food, tobacco, crude oil, charity, smuggled articles, special provisions for specific period of time (e.g. the Olympic Games), cultural relics, luxury goods, auto sales and rental service.
  • 4.7. ECOMMPAY will notify the MERCHANT via email of any new Transaction Dispute (including complaints and chargebacks) cases, and give the MERCHANT an opportunity to respond to the case as described below in clause 4.8. Cases which are not able to be resolved in favour of the MERCHANT will be debited via a chargeback event.
  • 4.8. Dispute process:
  • 4.8.1. When an Alipay User initiates a Transaction Dispute with Alipay, ECOMMPAY will send an email to the MERCHANT with the relevant Transaction information, reason for the Transaction Dispute and the request (the “Request”) that the MERCHANT can make a refund to the Alipay User and/or take other actions requested by ECOMMPAY (“Remedial Actions”) to address the Transaction Dispute with the MERCHANT. ECOMMPAY will share such requests with the MERCHANT via e-mail.
  • 4.8.2. The MERCHANT shall respond within seven (7) calendar days (the “MERCHANT’s Response Deadline”) from the date the Request is sent.
  • 4.8.3. If ECOMMPAY receives the MERCHANT’s response and determines, based on a reasonable person standard, that such response constitutes sufficient ground to deny the Request, ECOMMPAY will forward Alipay the MERCHANT’s Response via return of email within three (3) calendar days from the date the MERCHANT sends ECOMMPAY the response (the “MERCHANT’s Response Date”).
  • 4.8.4. If ECOMMPAY receives the MERCHANT’s Response and determines, based on a reasonable person standard, such response does not constitute sufficient ground to deny the Request or the MERCHANT accepts the Request, ECOMMPAY will either (x) instruct the MERCHANT to fully implement the Request by initiating a refund to the Alipay User and taking Remedial Actions within three (3) calendar days from the MERCHANT’s Response Date or (y) fully implement the Request itself by initiating the refund to the Alipay User and take Remedial Actions directly within five (5) calendar days from the MERCHANT’s Response Date.
  • 4.8.5. If ECOMMPAY does not receive any response from the MERCHANT by the MERCHANT’s Response Deadline, ECOMMPAY will fully implement the Request by initiating a refund by itself to the relevant Alipay User and take Remedial Actions within three (3) calendar days from the MERCHANT’s Response Deadline.
  • 4.8.6. If Alipay receives the MERCHANT’s response denying the Request and determines, based on a reasonable person standard, that such response constitutes sufficient ground to deny the Transaction Dispute, Alipay shall close the Transaction Dispute in favour of the MERCHANT.
  • 4.8.7. If (i) Alipay receives the MERCHANT’s response denying the Request but determines, based on a reasonable person standard, such response does not constitute sufficient ground to deny the Transaction Dispute, (ii) the MERCHANT does not implement the Request even though it should do so or (iii) ECOMMPAY does not receive the MERCHANT’s response within the MERCHANT’s Response Deadline, ECOMMPAY shall notify the MERCHANT of Alipay’s decision (“Alipay Decision”) whether (x) the Transaction Dispute is legitimate, (y) a refund should be made to the User and (z) any Remedial Actions should be taken.
  • 4.8.8. ECOMMPAY will fully implement the Alipay Decision by initiating a refund and taking Remedial Actions within three (3) calendar days from the date Alipay Decision is sent.

5. BANCONTACT

  • 5.1. Refund possibility: Yes
  • 5.2. Transaction minimum: EUR 1.00 per Transaction
  • 5.3. Transaction maximum: NA
  • 5.4. The MERCHANT is aware that the execution of the transfer as well as the possibility of a User to cancel or revoke a transfer are contingent upon the then current terms and conditions of the respective User’s bank.
  • 5.5. The MERCHANT acknowledges that although Bancontact payment Transactions can be executed from User accounts established with most banks in Belgium, there is no guarantee that a User will be able to make an online bank transfer from every bank account in Belgium using Bancontact.

6. BOLETO BANCARIO

  • 6.1. Refund possibility: NA
  • 6.2. Transaction minimum: USD 2.50 per Transaction
  • 6.3. Transaction maximum: USD 2,500.00/day/shopper; USD 10,000.00/month/shopper

7. CHINA UNION PAY

  • 7.1. Refund possibility: Yes
  • 7.2. Transaction minimum: MYR 1.00 per Transaction
  • 7.3. Transaction maximum: MYR 5000.00 per Transaction
  • 7.4. Specific prohibited goods and services: a) Firearms / weapons, ammunition, fireworks and hazardous materials; b) Drugs, drug paraphernalia and drug test circumvention aids, Miracle Cures; c) Currency and FOREX, gold bar, investment scheme, any activity associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, payment aggregator, any activity associated with the sale of traveller’s checks or money orders, check cashing business, provide certain credit repair or debt settlement services, credit transactions or insurance activities; d) Pornography and adult content, escort services, sexually oriented materials or services, items that are considered obscene; e) Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; f) Involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent, items encouraging illegal activity, pyramid or Ponzi scheme, matrix program and other "get rich quick" schemes, stolen goods including digital and virtual goods; g) Tobacco, alcohol, materials containing offensive content; h) Counterfeit and replica goods, items or downloads infringe or violate copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, file sharing services, unlicensed multi-level marketing, time-sharing, telemarketing.
  • 7.5. The MERCHANT agrees to not perform or fail to perform any act that violates federal, state/provincial, or local law in its respective place of incorporation, including, but not limited to, applicable anti-money laundering and anti-terrorism financing laws. MERCHANT agrees to accept reasonable instructions issued by China Union Pay in relation to the national laws of Malaysia, that China Union Pay may reasonably apply to foreign financial institutions carrying on payment acceptance activities in Malaysia. Notwithstanding the above, should the MERCHANT not be able to comply with those reasonable instructions provided by China Union Pay, ECOMMPAY retains the right to terminate the Agreement immediately.
  • 7.6. The MERCHANT must ensure that the brand name and logo or any other marketing or publicity materials that may be provided to the MERCHANT on behalf of China Union Pay are prominently displayed, on their Website and/or Application as applicable.
  • 7.7. The MERCHANT is responsible for notifying the User regarding the fact that the User’s statement will display “MOLPay”, “MOLP”, “MOLPay EC” or “NetBuilder EC” for the charges associated with China Union Pay instead of the MERCHANT‘s trading name.
  • 7.8. The MERCHANT must retain copies of all Transaction receipts for a minimum period of six (6) months. The MERCHANT shall provide copies of those receipts to ECOMMPAY within five (5) Working Days of receiving such request.
  • 7.9. The MERCHANT must contact the User by email or telephone in the event China Union Pay reasonably suspects a transaction may be fraudulent and notifies ECOMMPAY thereof requesting that the MERCHANT investigate the particular transaction. As part of such investigation, China Union Pay may request that the MERCHANT provides identification details regarding the User. However, the MERCHANT shall only be required to provide such information at its own discretion and in accordance with applicable data protection laws.
  • 7.10. The MERCHANT must include on its Website and/or Application a full description of the MERCHANT’s trading name, address, telephone number and URL, as well as accurately describe what goods and services are being offered for sale, the price, the action which must be taken to make a purchase, the point at which a sale is completed, and details of delivery, shipping, returns and refund policies.
  • 7.11. The MERCHANT must resolve any claims or complaints in respect of any purchase of goods, products or services made using China Union Pay, directly with the User. There shall be no right of recourse against China Union Pay in the event the User disputes the underlying contract of sale of such Transaction, for any reasons whatsoever, including without limitation, the quality, overcharging or late delivery of the good, product or service.
  • 7.12. At no stage whatsoever will China Union Pay establish any form of communication with the MERCHANT other than through ECOMMPAY.
  • 7.13. Acceptance of Transactions shall not in any way be binding to China Union Pay or ECOMMPAY as to the validity of any Transaction or Transaction receipts. China Union Pay shall not honour any Transactions which in the opinion of China Union Pay are not genuine, in which case China Union Pay shall notify ECOMMPAY and/or the relevant MERCHANT without delay.
  • 7.14. If the amount of the MERCHANT’s Transaction Disputes (including chargebacks) may at ECOMMPAYs reasonable determination cause it to reach its Transaction Dispute Thresholds set by China Union Pay, ECOMMPAY shall send a notification to the MERCHANT. ECOMMPAY will liaise with the MERCHANT in order to apply measures to the Website and/or Application, limits and velocity checks in order to reduce the level of chargebacks. If the level of chargebacks exceeds this percentage for 3 consecutive months, MID closure for the affected MERCHANT account might apply. Prior notification will be provided to the MERCHANT. Note: This is an extreme situation and normally applying measures and reducing the level will keep the account in good standing.
  • 7.15. ECOMMPAY will notify the MERCHANT via email of any new chargeback cases, and give the MERCHANT an opportunity to respond to the case as described below in clause 7.16. Cases which are not able to be resolved in favour of the MERCHANT will be debited via a chargeback event.
  • 7.16. To dispute a chargeback after the notification is sent, the MERCHANT must send to ECOMMPAY the following information within 10 Working Days:

  • Amount and date of the Transaction;

  • Detailed description of goods or services ordered;
  • Delivery confirmation;
  • Tracking number;
  • Proof of service activation;
  • Proof of User and order details (full name, billing/delivery address etc.);
  • Proof of User acceptance of services/goods.

8. EPS

  • 8.1. Refund possibility: Yes
  • 8.2. Transaction minimum: EUR 1.00 per Transaction
  • 8.3. Transaction maximum: NA
  • 8.4. The MERCHANT is obliged, where applicable, to strictly comply with the relevant provisions of the Austrian Gaming Act and shall only accept or transfer funds for games of chance if this is legally permitted under the laws of Austria. The MERCHANT acknowledges and confirms that it is aware that any violation of provision of these Payment Method Terms of Use may be subject to fines by the respective Austrian authorities for which the MERCHANT shall remain solely liable for at all times.
  • 8.5. Should claims be asserted against ECOMMPAY by third parties due to the infringement or non-compliance of the Payment Method Terms of Use by the MERCHANT, the MERCHANT indemnifies ECOMMPAY from all associated fines, costs, damages and compensation payments and if so requested by ECOMMPAY will intervene and substitute itself in place of ECOMMPAY in any proceedings that may be brought against ECOMMPAY.

9. ESTONIAN ONLINE BANK TRANSFER

  • 9.1. Refund possibility: Yes
  • 9.2. Transaction minimum: EUR 1.00 per Transaction
  • 9.3. Transaction maximum: NA
  • 9.4. Specific prohibited goods and services: Tobacco products; alcohol; prescription medicine; drug substances and drug attributes; weapons; unlicensed lottery and gambling; illegal software or other services which violate rights to intellectual property; other items/products/services prohibited by law; other items/products/services, without the licenses or permissions required by the legislation of the respective country.

10. GIROPAY

  • 10.1. Refund possibility: Yes.
  • 10.2. Transaction minimum: EUR 1.00 per Transaction.
  • 10.3. Transaction maximum: NA.
  • 10.4. Specific prohibited goods and services: payment instruments (cash, savings or e-money, currencies including virtual currencies such as bitcoins, as well as checks) as far as the recipient of the payment instrument can’t be identified by the acquirer or MERCHANT, except vouchers or stored value products.
  • 10.5. Payment guarantees passed on by ECOMMPAY in the scope of the giropay Payment Method are in each case limited to an amount of EUR 10,000.00 per Transaction, even if the Transaction executed is for a higher amount.
  • 10.6. The MERCHANT shall report any events that require reliance on the giropay guarantee to ECOMMPAY without delay.
  • 10.7. The MERCHANT’s claims resulting from the giropay payment guarantee expire 6 weeks after receipt of a positive bank transfer confirmation unless the MERCHANT reported the claim from the payment guarantee to ECOMMPAY in writing without delay before this date.
  • 10.8. After selecting giropay as the Payment Method it is prohibited to request the User’s data, in particular personal data such as IBAN or names within the particular Transaction initiation.
  • 10.9. The MERCHANT shall adhere to the instructions of ECOMMPAY in relation to the “giropay” logo use.

11. IDEAL

  • 11.1. Refund possibility: Yes.
  • 11.2. Transaction minimum: NA.
  • 11.3. Transaction maximum: NA.
  • 11.4. Should it become apparent to ECOMMPAY that the MERCHANT is not complying with relevant laws and regulations concerning the activities it undertakes, any access to the iDEAL Payment Method may be immediately terminated by ECOMMPAY with immediate effect.
  • 11.5. The MERCHANT shall ensure that an effective complaints procedure is provided to Users, under which the MERCHANT can be easily contacted by e-mail and one other means of direct contact (such as a telephone number, chat box, or other medium). The MERCHANT must make the information about the complaints procedure easily available to Users, and make it easy for Users to find on the respective Website and/or Application.
  • 11.6. It is not permitted to offer the iDEAL Payment Method via e-mail link services unless the MERCHANT obtains the prior written permission of ECOMMPAY.
  • 11.7. The MERCHANT must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL Payment Method as may be notified by ECOMMPAY to the MERCHANT from time to time.
  • 11.8. In the event of a breach of contract or fraud (actual or suspected) by the MERCHANT, ECOMMPAY may be obliged to take specific emergency measures including but not limited to termination of iDEAL Services with immediate effect.
  • 11.9. The MERCHANT is not permitted to remove any issuers from the issuer list.
  • 11.10. Where at ECOMMPAY’s sole discretion the MERCHANT is deemed to be high risk, ECOMMPAY reserves the right to request the MERCHANT to implement a User registration process to record at least the following data concerning the User:
  • 11.10.1. Name and e-mail address;
  • 11.10.2. Account number and name for the bank account number which is being used to make purchases via the iDEAL Payment Method;
  • 11.10.3. Additional information for verification in step 2 and the monitoring of Transactions, for example: i. IP address; ii. Browser fingerprint; iii. Mobile number.
  • 11.11. The MERCHANT shall adhere to the instructions of ECOMMPAY in relation to the “iDEAL” logo use.

12. LATVIAN ONLINE BANK TRANSFER

  • 12.1. Refund possibility: Yes
  • 12.2. Transaction minimum: EUR 1.00 per Transaction
  • 12.3. Transaction maximum: NA
  • 12.4. Specific prohibited goods and services: Tobacco products; alcohol; prescription medicine; drug substances and drug attributes; weapons; unlicensed lottery and gambling; illegal software or other services which violate rights to intellectual property; other items/products/services prohibited by law; other items/products/services, without the licenses or permissions required by the legislation of the respective country.

13. LITHUANIAN ONLINE BANK TRANSFER

  • 13.1. Refund possibility: Yes
  • 13.2. Transaction minimum: EUR 1.00 per Transaction
  • 13.3. Transaction maximum: NA
  • 13.4. Specific prohibited goods and services: Tobacco products; alcohol; prescription medicine; drug substances and drug attributes; weapons; unlicensed lottery and gambling; illegal software or other services which violate rights to intellectual property; other items/products/services prohibited by law; other items/products/services, without the licenses or permissions required by the legislation of the respective country.

14. MULTIBANCO

  • 14.1. Refund possibility: NA
  • 14.2. Transaction minimum: NA
  • 14.3. Transaction maximum: EUR 99,999.99 per Transaction

15. PRZELEWY24 (P24)

  • 15.1. Refund possibility: Yes.
  • 15.2. Transaction minimum: PLN 0.05 per Transaction.
  • 15.3. Transaction maximum: NA.
  • 15.4. In relation to User complaints, the MERCHANT is obliged to ensure the following details are collected from the User:
  • 15.4.1. E-mail address;
  • 15.4.2. Transaction number;
  • 15.4.3. Transaction amount;
  • 15.4.4. Full name of the holder of the originating bank account from which the Transaction amount was to be transferred;
  • 15.4.5. Name of the bank that holds the account from which the Transaction amount was to be transferred or to which the Transaction was transferred to as applicable;
  • 15.4.6. Transaction date; and
  • 15.4.7. In the case of payment from a Card: the name of the Card;
  • 15.4.8. In the case of an SMS payment: the User’s mobile telephone number.
  • 15.5. Any complaints pertaining to Transactions made 90 or more days prior to such complaint may be refused for review by Przelewy24.

16. SEPA PAYOUT

  • 16.1. Refund possibility: NA
  • 16.2. Transaction minimum: NA
  • 16.3. Transaction maximum: NA
  • 16.4. The SEPA Payout Payment Method may only be used to initiate payments to bank accounts held at authorised credit institutions located within the Single European Payment Area.
  • 16.5. In order to execute a SEPA Payout, the MERCHANT must provide the following necessary Transaction details (the “SEPA Transaction Details”): a) The name and address of the User who is the recipient of the SEPA Payout; b) The payment amount in EUR; c) The IBAN of the User who is the recipient of the SEPA Payout; d) The payment purpose of the SEPA Payout.
  • 16.6. Incomplete or incorrect SEPA Transaction details may result in the delay or incorrect execution of SEPA Payouts for which ECOMMPAY shall not accept any liability whatsoever. ECOMMPAY is at all times entitled to refuse the execution of SEPA Payout Transactions.
  • 16.7. Following ECCOMPAY’s receipt of an authorised instruction from the MERCHANT, a SEPA Payout can typically no longer be cancelled or revoked. Despite this, the MERCHANT may request ECOMMPAY in writing to cancel an authorised instruction for a SEPA Payout for which ECOMMPAY will charge a processing fee. Notwithstanding the foregoing, under no circumstances does ECOMMPAY guarantee that such a request will result in the effective cancellation of a SEPA Payout or a refund of a SEPA Payout Transaction.
  • 16.8. ECOMMPAY will execute payment instructions for SEPA Payouts where the MERCHANT has provided the necessary SEPA Transaction details and where it maintains an adequate amount of funds with ECOMMPAY to enable payment of the SEPA Payout Transaction amount. Should this not be the case, ECOMMPAY is entitled to refuse to execute the SEPA Payout payment instruction and/or to make such Transaction subject to receipt of a security deposit from the MERCHANT.
  • 16.9. At all times, the MERCHANT fully authorises ECOMMPAY to deduct the amount of any SEPA Payout Transaction from funds that ECCOMPAY otherwise holds for the benefit of the MERCHANT. ECOMMPAY assumes no responsibility whatsoever for the maintenance by the MERCHANT of adequate funds in relation to SEPA Payout instructions. The MERCHANT hereby indemnifies and holds ECOMMPAY harmless from all claims in relation to the use of the MERCHANT’s User funds for SEPA Payouts.
  • 16.10. The MERCHANT shall ensure via contractual undertakings with Users that for each SEPA Payout it obtains the SEPA Transaction Details. Furthermore, the MERCHANT shall ensure that proof of such information is made available to ECOMMPAY at any time upon request.
  • 16.11. ECOMMPAY assumes no liability to the MERCHANT for unauthorised, misdirected or delayed SEPA Payout transfers unless it can be proven that ECOMMPAY caused the fault due to its grossly negligent or intentional misconduct. In such cases, any claims of the MERCHANT are strictly limited to a maximum of the amount of the SEPA Payout Transaction that has not been executed.
  • 16.12. The MERCHANT warrants and undertakes that it will at all times ensure that complete information on the identity of Users is obtained and that such information is adequately verified in accordance with Applicable Laws, in particular with regard to applicable anti-money laundering legislation. The MERCHANT undertakes upon request to immediately provide ECOMMPAY the following information and personal data concerning Users for whom the MERCHANT may have initiated a SEPA Payout: a) Full name, date of birth, residential address; b) Copy of a government issued identity document; c) Copy of documentary proof of residential address.
  • 16.13. The MERCHANT shall ensure via contractual undertakings with Users that it shall at all times have the right to pass on to ECOMMPAY (which in turn may pass on to the Payment Method Provider) the personal data and information provided for within the SEPA Payouts.

17. SOFORT BANKING/SOFORT ÜBERWEISUNG

  • 17.1. Refund possibility: Yes.
  • 17.2. Transaction minimum: EUR 1.00 per Transaction.
  • 17.3. Transaction maximum: NA.

18. WECHAT PAY

  • 18.1. Refund possibility: Yes.
  • 18.2. Transaction minimum: RMB 0.10 per Transaction.
  • 18.3. Transaction maximum: USD 10,000.00/Transaction, USD 20,000.00/day/User, USD 50,000.00/year/User.
  • 18.4. The MERCHANT shall not charge Users any additional fee or provide lower service when the User uses WeChat Pay as Payment Method.
  • 18.5. The MERCHANT shall not, in any manner, collect, store or use Users’ data, except as necessary to provide the related service, otherwise, the MERCHANT shall be liable for all losses incurred by WeChat Pay and/or Users.
  • 18.6. In the event that WeChat Pay or any User suffers any loss arising from the circumstances in the course of a Transaction, including but not limited to fraud, denial of transaction, chargeback, account information leakage, violation of applicable state laws, rules and regulations, breach of commitments to User, the MERCHANT shall be responsible for such claims, except to the extent where such claims have arisen due to ECOMMPAY. In the event that the MERCHANT deliberately delays in resolving these claims, ECOMMPAY shall be entitled at its own reasonable discretion to debit directly an amount equivalent to the loss from the accrued funds.
  • 18.7. In case a User requests a refund directly from WeChat Pay for a payment that is not yet settled with the MERCHANT, the MERCHANT must respond within one (1) Working Day after being contacted by ECOMMPAY to clarify the issue, otherwise ECOMMPAY may refund the Transaction to the User. In all other cases, the MERCHANT shall respond to any inquiries within two (2) Working Days.
  • 18.8. The MERCHANT is aware that refunds for Transactions made by using WeChat Pay shall only be refunded by utilising WeChat Pay, otherwise the resulting risks and disputes will be borne by the MERCHANT.
  • 18.9. The MERCHANT is fully aware that WeChat Pay will terminate the service and that the MERCHANT must assume liability in cases where the MERCHANT: (a) operates in violation of the relevant rules and refuses to make corrections after being requested to do so; (b) commits any act that harms the interest of WeChat Pay; or (c) is involved in risk events or abnormal Transactions, in WeChat Pay’s reasonable discretion.
  • 18.10. WeChat Pay may only be used for the following goods and services:
  • 18.10.1. Apparel/Accessories/Bags;
  • 18.10.2. Gift/Flowers/Souvenir;
  • 18.10.3. Outdoor/Sport/Fitness equipment/Security and protection;
  • 18.10.4. Musical instrument;
  • 18.10.5. Watch/Clock/Glasses/Cosmetic lenses;
  • 18.10.6. Jewellery/Accessories;
  • 18.10.7. Home furnishing/Construction materials/Decoration/Fabrics;
  • 18.10.8. Food;
  • 18.10.9. Health care products/Supplements;
  • 18.10.10. Household appliances;
  • 18.10.11. Personal care & contraception product;
  • 18.10.12. Beauty makeup/Skin care/Personal care;
  • 18.10.13. Crafts/Potting/Interior decoration;
  • 18.10.14. Car/Motorcycle/Bicycle/Accessories/Refitted vehicle;
  • 18.10.15. Digital product;
  • 18.10.16. Office equipment;
  • 18.10.17. Maternal and baby products/Children’s toys;
  • 18.10.18. Maternal and Child (online) stores;
  • 18.10.19. Book/Audio/Stationery;
  • 18.10.20. Pet food.
  • 18.11. The MERCHANT shall display the “WeChat Pay” logo – and only the logo - on its official Website and/or Application. Usage of the “WeChat Pay” logo or any related business logos and trademarks for any other purposes is not permitted. The MERCHANT shall adhere to the instructions of ECOMMPAY in relation to the “WeChat Pay” logo use.

19. TRUSTLY

  • 19.1. The MERCHANT acknowledges that it is aware that the funds are transferred via general clearing systems, meaning in exceptional cases it might take up to three (3) Working Days before (a) funds from Users are settled with TRUSTLY and (b) settlements ordered by ECOMMPAY to its account are settled from TRUSTLY to such ECOMMPAY’s account.
  • 19.2. The MERCHANT acknowledges that the availability and functionality of the TRUSTLY Payment Method is significantly dependent on the full functionality of third-party systems, primarily those of the banks, and that ECOMMPAY and TRUSTLY do not, and cannot, guarantee the functionality of the TRUSTLY Payment Method in the event of failures, malfunctions or adjustments within such third-party systems or lost access thereto and that ECOMMPAY and TRUSTLY does not assume liability in case of the MERCHANT suffering damage due to non-functionality of such third-party systems.
  • 19.3. The MERCHANT shall comply with any instructions given by ECOMMPAY relating to the use or function of the TRUSTLY Payment Method. TRUSTLY may from time to time change or update the TRUSTLY Payment Method or the software (including but not limited to enabling additional countries or new features of existing products) where such changes or updates are required (a) in order for the system to function in a professional and workman-like manner consistent with industry standards reasonably applied for similar services, (b) to avoid and/or remedy critical or recurring errors in the TRUSTLY Payment Method, (c) to comply with any applicable law, or (d) to avoid and/or remedy threatened or actual infringement of a third party’s intellectual property rights. Should such changes or updates require any actions of the MERCHANT, ECOMMPAY will provide the MERCHANT with notice to that effect. The MERCHANT shall implement and execute such changes or updates, (i) use its best efforts to execute the updates mentioned under (a) above; and (ii) immediately and no later than within 10 calendar days with respect to changes in (b)-(d) above.
  • 19.4. The MERCHANT is obliged to expose TRUSTLY logotype(s)/trademark(s) in an appealing and appropriate manner in the business of the MERCHANT and in accordance with the from time to time applicable service presentation requirements as set out at https://developers.ecommpay.com/. ECOMMPAY will inform the MERCHANT of any material changes in the service presentation requirements and the MERCHANT shall adhere to the altered requirements within sixty (60) days from notice. The MERCHANT will only use TRUSTLY’s logos, trademarks and other intellectual property rights only with regard the purpose and terms of the Agreement and in accordance with instructions of ECOMMPAY.
  • 19.5. The MERCHANT shall treat the logotype(s)/trademark(s) of TRUSTLY at least equally with other online banking Payment Methods offered by the MERCHANT on its webpage and/or in the MERCHANT’s promotion and advertising materials. In particular, the MERCHANT shall ensure that TRUSTLY position and size of TRUSTLY logotype(s)/ trademark(s) and select buttons is at least substantially similar to those of other online banking Payment Methods available through the MERCHANT.
  • 19.6. The MERCHANT is obliged to remove TRUSTLY ’s logotype(s)/trademark(s), if ECOMMPAY ceases the provision of the TRUSTLY Payment Method to the MERCHANT or upon ECOMMPAY’s request.
  • 19.7. Where the MERCHANT makes use of the TRUSTLY Direct Debit Payment Method, the MERCHANT:
  • 19.7.1. warrants that it has installed relevant and sufficient security features to ensure that the MERCHANT is able to identify a User, for which payment shall be made via TRUSTLY Direct Debit;
  • 19.7.2. acknowledges that (a) TRUSTLY has the right (and is obliged) to send funds back to a User claiming such right under the rules for direct debit scheme (Sw. Autogiro or SEPA Direct Debit); (b) funds subject to such claim will be deducted from the funds at the client fund account and sent back to the User, without prior notice; (c) TRUSTLY has the right to reserve client funds from the client funds account as lien for the potential obligation on TRUSTLY to transfer funds back to Users; (d) funds, as from time to time is reserved under this clause, will not be available for settlement.
  • 19.7.3. acknowledges that TRUSTLY has the right to decline a User from registering a mandate as well as the right to refuse single Transactions, where TRUSTLY deems this necessary for anti-money laundering, compliance and/or risk related reasons;
  • 19.7.4. shall, upon request by ECOMMPAY, send data relating to the Users to ECOMMPAY, which will be sent to TRUSTLY, in order for TRUSTLY to adhere to applicable legislation;
  • 19.7.5. acknowledges that TRUSTLY does not assume any liability for any losses or damages that the MERCHANT may incur as a consequence of revoked or failed payments (for instance where funds has not been available on the User’s bank account at the time of deduction), chargebacks, funds being sent back to User in accordance with applicable rules for direct debit (Sw. Autogiro or SEPA Direct Debit), fraudulent, illicit or abusive use of TRUSTLY Direct Debit; the MERCHANT consequently bears the risk that funds are not deducted from the User’s bank account due to any (or similar) of the aforementioned circumstances; TRUSTLY is not liable for losses or damages incurred by the MERCHANT by an event outside the TRUSTLY’s control, including but not limited to decisions or actions by a third party such as a court, authority or bank; and
  • 19.7.6. acknowledges that TRUSTLY is dependent on third party systems for providing TRUSTLY Direct Debit, and that lost access to such systems will not constitute any failure to provide the TRUSTLY Direct Debit service.

20. SKRILL

  • 20.1. The MERCHANT agrees to comply with the terms of use of SKRILL, including Account Terms of Use, Merchant Terms and Conditions, identification and security policies and procedures and any other applicable documents of SKRILL as updated and supplied from time to time (the “SKRILL Terms of Use”). The SKRILL Terms of use are available online via www.skrill.com. The SKRILL Payment Method shall be operated strictly in accordance with the SKRILL Terms of Use.
  • 20.1.1. The MERCHANT will at all times comply with all Applicable Laws and will not receive or transfer funds, or use SKRILL Payment Method in connection with any illegal, fraudulent or deceptive activity, including without limitation, for money laundering or terrorist financing. The MERCHANT shall not do anything that might reasonably be deemed by ECOMMPAY and/or SKRILL to bring it or the SKRILL Payment Method into disrepute, including acting fraudulently in relation to the SKRILL Payment Method.
  • 20.1.2. The MERCHANT will clearly display the “SKRILL” logo at its Website or Application checkout so as to notify the Users that they may make a payment from their account held with SKRILL (the “User Account”). Display, distribution or any other use of the intellectual property of SKRILL, including, but not limited to, its logo, shall be immediately stopped by the MERCHANT after receipt of such request from ECOMMPAY and/or SKRILL.
  • 20.1.3. The MERCHANT agrees that SKRILL or its licensors own all right, title and interest, including without limitation all copyright, trademark and other intellectual property rights, in and to the SKRILL Payment Method and all components used in the provision thereof, including without limitation, all software, business methods, business processes, website designs, graphics, text, content, API instructions of SKRILL, trade names, trade secrets and know-how, and all documentation in relation to the foregoing, used in the provision of the SKRILL Payment Method. The MERCHANT will only use SKRILL’s logos, trademarks and other intellectual property rights only with regard the purpose and terms of the Agreement and in accordance with instructions of ECOMMPAY and/or SKRILL.
  • 20.1.4. The MERCHANT agrees to co-operate with ECOMMPAY and/or SKRILL and any enquiries or investigation by ECOMMPAY and/or SKRILL, its agents or its regulatory authorities and/or other authorities, including cooperation to investigate any suspected illegal or fraudulent activity and to provide ECOMMPAY and/or SKRILL with information on the User’s Transactions with the MERCHANT, accurate and complete information and documents requested for the prevention of money laundering and countering the financing of terrorism, both current and historic, provide access to premises, make staff available for interview.
  • 20.1.5. The MERCHANT agrees that it will not charge (or recharge) the Users any processing fee, markup, surcharge or other fee for purchasing the MERCHANT’s goods or services from the User Accounts and/or for transferring funds from the MERCHANT to such User Account, using the SKRILL Payment Method.
  • 20.1.6. The MERCHANT acknowledges that any sub-licensed intellectual property rights by ECOMMPAY to the MERCHANT, shall be used only with regard the purpose and terms of the Agreement and shall not be sub-licensed by the MERCHANT to any third parties.
  • 20.1.7. The MERCHANT acknowledges that ECOMMPAY and/or SKRILL does not act as a buyer or seller of goods or services bought or sold by MERCHANT, using the SKRILL Payment Method. In case of any dispute with a third party regarding any product or service purchased or sold by the MERCHANT, using the SKRILL Payment Method, SKRILL shall not be a party to any such dispute.
  • 20.1.8. The MERCHANT agrees that it will do such things or omit to do such things as are required by ECOMMPAY and/or SKRILL and are necessary to fulfil ECOMMPAY’S obligations, representations and warranties against SKRILL.
  • 20.1.9. The MERCHANT shall provide the Users with a clear and fair return and refund policy. Upon request, the MERCHANT shall provide to ECOMMPAY and/or SKRILL copies of such return and refund policies and shall notify ECOMMPAY of any subsequent change to such policies.
  • 20.1.10. Without prejudice to payments prohibited under the Agreement and SKRILL’s Terms of Use, the MERCHANT shall not use the SKRILL Payment Method for sale of tobacco products, prescription or non-prescription drugs, pornographic content or services, illegal downloads, illegal gambling or goods or services infringing intellectual property rights of a third party, or for any other goods or services the offering or provision of which is illegal under the Applicable Laws.
  • 20.1.11. The MERCHANT agrees that in case of transfer of funds of the User via the SKRILL Payment Method, any transfer back to that User, up to the amount of the initial transfer of that User’s funds, will only be made using the SKRILL Payment Method and through no other payment method.

20. NETELLER

  • 21.1. Where a surcharge is set out for Neteller Transactions in the Service Order, the surcharge shall be applied to Neteller (i) Pay-in Transactions of Users from the following countries: Albania, Argentina, Armenia, Azerbaijan, Bangladesh, Belarus, Bosnia-Herzegovina, Brazil, Bulgaria, Cambodia, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Egypt, Estonia, Georgia, Greece, Hungary, Iceland, India, Indonesia, Israel, Japan, Kazakhstan, Kenya, Korea (South), Kuwait, Latvia, Lithuania, Macedonia, Malaysia, Mexico, Moldova, Montenegro, Nigeria, Oman, Pakistan, Peru, Philippines, Romania, Russia, Saudi Arabia, Serbia, Seychelles, Slovenia, South Africa, Sri Lanka, Taiwan, Thailand, Tunisia, Turkey, Ukraine, United Arab Emirates, Uruguay, Venezuela and Vietnam, and (ii) Pay-out Transactions to Users from Taiwan.

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