Specific Terms of Use @PayGlocal

Your guide to partnering with us and using our services responsibly

Last updated: May 31, 2023
  1. EPS

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1.00/- (Euro One Only) per Transaction
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsProhibited goods and services listed in Clause IV (13) of these Terms of Use
    1. eps is an Alternative Payment Method enabling receipt of a real time confirmation of the Transaction facilitated by the Participating Banks. eps offers a special guarantee in the form of an abstract promissory note meaning that you are not only provided with a confirmation statement concerning the completion of the online transfer, but a positive confirmation statement is combined with a guarantee issued by the eps Participating Banks as an abstract promissory note. A positive confirmation statement is combined with a payment guarantee issued by the eps Participating Banks as an abstract promissory note. A guaranteed event occurs if a positive bank transfer confirmation is received by you even if an eps bank transfer order is not carried out.
    2. You are obliged to strictly comply with the relevant provisions of the Austrian Gaming Act and shall only accept funds for games of chance if the same is legally permitted under the laws of Austria. You acknowledge and confirm that you are aware that any violation of provision of the Terms of Use may be subject to fines by the Relevant Authority and you shall remain solely liable for any such violation at all times.
  2. Giropay

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1.00/- (Euro One Only) per Transaction
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsIn addition to any prohibited goods or services listed in Clause IV (13) of these Terms of Use: 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 the Entity, except vouchers or stored value products
    1. giropay is an Alternative Payment Method where the Entity shall receive a real time confirmation of the Transaction. Information on the beneficiary of a payment Transaction and the intended use of a Transaction is automatically entered into the online banking mask of the Customer.
    2. giropay is restricted to Customers with access to an online banking compatible account held at an authorised credit institution based in Germany. PayGlocal does not guarantee that all German bank accounts are giropay compatible.
    3. giropay offers a special guarantee inform of an abstract promissory note meaning that the Entity is provided with a confirmation statement concerning the completion of the online transfer and a positive confirmation statement combined with a guarantee issued by the giropay Participating Banks as an abstract promissory note even if a giropay bank transfer order is not carried out.
    4. The payment guarantees passed on by PayGlocal in the scope of the giropay Alternative Payment Method are in each case limited to an amount of EUR 10,000/- (Euro Ten Thousand Only) per Transaction, even if the Transaction executed is for a higher amount.
    5. The Entity shall report events that requires reliance on the giropay guarantee to PayGlocal. The Entity’s claims resulting from the giropay payment guarantee shall expire 06 (six) weeks after receipt of a positive bank transfer confirmation unless the Entity reports the claim from the payment guarantee to PayGlocal in writing without delay before this date.
    6. On selecting giropay as the desired payment method, the Entity is prohibited to request the Customer ́s data, in particular personal data such as International Bank Account Number (IBAN) or names.
  3. GrabPay- Singapore

    Payment TypeWallet
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumSGD 0.01 per transaction
    Transaction maximumSGD 3,000/- (Singapore Dollars Three Thousand Only) for basic wallet users; SGD 5,000/- (Singapore Dollars Five Thousand Only) for premium wallet users
    Specific Prohibited Goods and Services or payment instrumentsAs provided under GrabPay’s terms of use provided at Specific Prohibited Goods https://www.grab.com/sg/terms-policies/
    1. The Entity shall abide, by the GrabPay terms of use, which include the GrabPay’s Privacy Policy and Acceptable Use Policy at https://www.grab.com/sg/terms-policies/.
    2. The Entity shall not impose a surcharge or any other fee for accepting GrabPay as an Alternative Payment Method without prior written consent from GrabPay. This shall not prevent Entity from charging a handling fee in connection with the sale of goods or services.
    3. Refunds shall be initiated only through the GrabPay system interface provided by PayGlocal. In the event an Entity uses any APM for the refund, including but not limited to bank remittance or cash refund, GrabPay shall not be a party in any way and such refund shall be between the Entity and the Customer.
    4. Upon request, the Entity shall cooperate as may be necessary to investigate a Transaction, including providing to PayGlocal any documentation and/or information related to a Transaction within 14 (fourteen) days and shall ensure to take all steps necessary to comply with this cooperation.
    5. Based on this investigation, GrabPay shall decide if a Transaction needs to be refunded to the Customer. The Entity acknowledges that GrabPay’s decision shall be final and PayGlocal will execute the refund if and as instructed by GrabPay. If a refund to the Customer is required, the Entity shall be fully liable for any refund amount as well as any other costs directly associated with such refund.
    6. GrabPay reserves the right to impose restrictions to the Service at any time, including rejecting or limiting Transactions.
    7. The Entity shall, treat GrabPay on par with any other Global Payment Methods offered, on its Websites, advertising and promotional materials and its other external publications. In particular:
      1. The placement of the GrabPay logo and selection buttons are substantially similar to the placement of alternative means of payment, and that the prominence of the GrabPay logo and selection buttons are equal to other means of payment.
      2. GrabPay receives treatment equal to alternative means of payment in the checkout flow of an Entity’s point of sale, and in the terms, conditions, restrictions, or fees offered or given by the Entity to its Customers; and
      3. Nothing inhibits or disadvantages a Customer’s selection of GrabPay, dissuades the user from using GrabPay, or encourages the Customer to use an Global Payment Method.
  4. MyBank

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1.00 per Transaction
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in Clause IV (13) of these terms of Use: Activities which could be punishable as endangerment of minors, for infringement of works protected by intellectual property rights and means of payment, the non-compliance with the protection of personal data, with systems automated data processing, acts of money laundering, non-compliance relating to gambling and betting, horse racing, lotteries and provisions relating to conditions of exercise of regulated professions.
    1. MyBank is an Alternative Payment Method where the Entity enabling receipt of real time confirmation of the Transaction. It allows the Entity to exchange information in real time through trusted parties to provide each other with the necessary level of trust and certainty that a payment has been initiated or that a valid Recurring Payment has been sent.
    2. The Entity agrees on being informed about the effects of the e-authorisation result:
      1. An e-authorisation result shall constitute a factual confirmation of the bank of the Customer.
      2. The Entity shall not have any claims, benefits, or rights against PayGlocal in connection with the MyBank solution, and PayGlocal shall not be liable to the Entity for any such claims, benefits or rights arising out of or in connection with the use of the MyBank Solution. The Entity acknowledges that MyBank is not a guaranteed Alternative Payment Method.
    3. The Entity may use the MyBank Logo in the manner as set forth in the MyBank Style Guide for Businesses found at the following website https://www.mybank.eu/mybank/my.
  5. Sofort

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1.00/- (Euro One Only) per Transaction
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsProhibited goods and services listed in Clause IV (13) of these Terms of Use
    1. Sofort is an Alternative Payment Method wherein the Entity receives a real time confirmation of the Transaction.
    2. The Entity acknowledges that Transactions with Sofort may be executed by most standard banks in the countries listed in the relevant product sheets provided to the Entity. PayGlocal reserves the right to offer Sofort in other countries, as well. PayGlocal shall not guarantee wire transfer to Customer through every bank account in Approved Jurisdiction or any other country. Further, PayGlocal shall not guarantee that Transactions which can currently be made with Sofort via individual banks or countries will continue to remain possible in the future.
    3. PayGlocal grants to the Entity the non-exclusive, temporary, and limited right for the term of the Agreement to use itself or to offer the Sofort Transfer-Software to its Customers. The Entity is obliged to integrate the software into its systems in such a way that the URL and the SSL-certificate of Sofort are recognisable and verifiable.
  6. Trustly

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumSubject to conditions imposed by the Customers bank (usually EUR 0.01 per Transaction)
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in Clause IV (13) of these Terms of Use: Money remittance where the Entity does not hold a valid bank license in accordance with local requirements from applicable authorities; Shell banks as defined under FATF recommendations; asset-holding vehicles like trusts, foundations (apart from charity foundations), private wealth management structures; , antiques or collectors’ items; Fortune tellers, mediums and other services speculating around supernatural phenomena; Computer (including remote) tech support/performance optimization/virus removal solutions (sellers/authorized resellers of downloadable and installable antivirus software fall outside of scope of this prohibition); Nazi and fascist memorabilia and militaria (both replicas and original artefacts) excluding auction houses (as it is assumed that those are acting clearly for needs of collectors), and marketplaces (as it is assumed that those have relevant policies and content controls in place)
    1. Trustly is an Alternative Payment Method where the Entity receives a real time confirmation of the Transaction.
    2. Once Trustly is selected as a payment mechanism by the Customer, the Customer can pay through Participating Banks by bank transfer method which shall be fully online and automated.
    3. The Entity is obliged to display Trustly’s logotype(s)/ trademark(s) in an appealing and appropriate manner and in accordance with the applicable service presentation requirements as set out at https://trustly.com/en/developer/documents.
    4. The Entity acknowledges and agrees that its Customers shall be made aware, that the Trustly service is dependent on the full functionality of third-party systems, primarily, banks and that Trustly does not guarantee the functionality of its service in the event of failures, malfunctions, or adjustments within such third-party systems.
  7. ZIP

    Payment TypeInstallments
    Chargeback RiskYES
    Refund possibilityYES
    Transaction minimumAUD 0.01 per transaction
    Transaction maximumAUD 15000 per transaction
    Specific Prohibited Goods and Services or payment instrumentsSee Specific Terms stated below
    1. The PayGlocal accepts, and where applicable will ensure that its Merchants accept that purchases tendered by a Customer for the payment of goods or services to be supplied to the Customer must be honoured.
    2. Neither the PayGlocal nor its merchants may charge a Customer a different price for a Purchase than that charged to the Customer for other payment methods.
    3. The PayGlocal agrees, and where applicable will ensure that its Merchants agree to not charge a Customer a fee or charge for using Zip as their payment method (i.e. no surcharge permitted).
    4. The PayGlocal must, and where applicable will ensure that is Merchants must establish and display a fair policy for the exchange or return of merchandise in accordance with Applicable Law, and give credit to each such return not in cash but by issue of a Refund to the Account.
    5. Where applicable, the PayGlocal must ensure that the merchants with which it has a contractual relationship must perform all obligations in connection with a sale giving rise to a Purchase prior to processing the Purchase.
    6. If less than the full amount of any sale is included in any Purchase, the PayGlocal must obtain, or where applicable must ensure that its Merchants obtain alternative payment in full or for the balance due at the time the sale is completed.
    7. Neither the PayGlocal nor, where applicable, its merchants may make any warranty or representation whatsoever to any person which may bind Zip; and
    8. Neither the PayGlocal nor its merchants may process a Transaction for the payment of a gift card, gift voucher or prepaid stored value card or voucher.
    9. The PayGlocal must not, and where applicable must ensure that its Merchants do not use two or more Transactions to process one Purchase or process a Transaction where only part of the amount due is included on the Transaction Receipt except:
      1. where the balance of the amount due is paid in cash or by cheque; or
      2. where the goods or services are to be delivered or performed at a later date and one Transaction represents a deposit and the second Transaction represents payment of the balance, in which case the second Transaction must not be presented or processed until the goods are delivered or the services performed.
    10. Neither the PayGlocal nor, where applicable, its merchants may process a Transaction on behalf of another person including another merchant or allow another person to use the Merchant Facilities.
    11. The PayGlocal must, and if applicable, must ensure that its merchants use reasonable care in processing a Transaction to detect fraud or the unauthorised use or forgery of a Transaction.
    12. Following each Transaction, the PayGlocal or if applicable its merchants must immediately provide the Customer copy of the Transaction Receipt and unless otherwise authorised by Zip in writing, the information on the Transaction Receipt must be identical with information on any other copy of the Transaction Receipt.
    13. The PayGlocal or if applicable its merchants must each retain information about a Transaction whether processed manually or electronically for a period of 12 months from the date of the Transaction or such other period required by Applicable Law or notified by Zip from time to time.
    14. The PayGlocal shall ensure that it does not, and if applicable that its merchants do not process a Transaction if any of the following conditions apply:
      1. It is processed in breach of any of the Zip Payment Services Rules
      2. the Transaction is illegal, including, without limitation, because it is in breach of any relevant governing law, for example, the sale of prescription medicines, controlled substances or other regulated products
      3. the PayGlocal or its merchants process the Transaction knowing (or in circumstance where the PayGlocal or its merchants should have known) that the Transaction is unauthorised, fraudulent, or without the authority of the Customer or Zip
      4. the PayGlocal was notified by Zip not to accept the Transaction
      5. the Transaction receipt is illegibl
      6. the particulars on the copy of the Transaction Receipt given to the Customer are not identical with the particulars on any other copy and the merchant has not been authorised by Zip in writing to accept invoices which are not identical
      7. the price charged to a Customer is a different price for a Purchase that that charged to Customer for other payment methods
      8. the PayGlocal or its merchants arrange without Zip’s consent for a third person to supply goods, services or cash
      9. the Customer has not received the goods or service as required by the terms of the Purchase and the PayGlocal or its merchant has failed to provide Zip with proof of receipt of, and satisfaction with, goods or services by the Customer within 5 Business Days of Zip’s request to do so.
      10. the PayGlocal or its merchants have not otherwise complied with the terms and conditions set by Zip in connection with the Transaction and Zip is of the reasonable opinion that such non-compliance may result in Zip suffering a loss
      11. the Transaction is processed by the PayGlocal or if applicable its merchants on behalf of another person, or has allowed another person to use the Merchant Facilities in connection with the Transaction
      12. a Transaction accepted payment for goods and services without authorization by Zip
      13. the amount of the Purchase is billed directly to the Customer or payment is received through the use of another credit card or by any other means
      14. in Zip’s reasonable opinion the Customer justifiably disputes liability for the Purchase for any reason
      15. the Transaction is processed in breach of the requirements set by Zip
      16. the goods or services purchased under the Purchase or Transaction Receipt are not of acceptable quality, or are damaged, (on a reasonable determination) and the merchant is unable to resolve the compliant to the Customer’s satisfaction
      17. the Transaction is:
        1. not for the supply of goods or services to a genuine Customer
        2. is for cash out on an Account or includes cash out on an Account
        3. represents a transfer of funds, not the supply of goods or services
        4. the PayGlocal or its merchant failed to comply with all messages generated by the Zip Payment Service in relation to the Transaction.