Specific Terms of Use @PayGlocal

Your guide to partnering with us and using our services responsibly

Last updated: May 31, 2023

General Terms

  1. Merchants are not allowed to accept payments for goods or services:

    1. that are not provided on the Merchant's own account;
    2. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Application Form;
    3. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;
    4. 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:
        1. Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
        2. 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
        3. Counterfeit or unauthorized goods;
        4. Drugs and narcotics;
        5. Get-rich-quick schemes or pyramid schemes;
        6. Human or animal bodies or organs;
        7. Intellectual property or proprietary rights infringement;
        8. Nazi-branded products, Nazi content and articles;
        9. No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
        10. Pay-to-remove sites or defamatory publications;
        11. Racist, sexist, misogynistic or otherwise abusive products and content;
      2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):
        1. Archaeological findings and items;
        2. CBD and hemp products;
        3. Online pharmacies, prescription drugs;
        4. Fireworks and related products;
        5. Live animals;
        6. Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
        7. Precious metals and stones;
        8. Substances designed to mimic illegal drugs;
        9. Weapons, ammunition and related products;
      3. Activities carrying or potentially carrying a negative environmental impact:
        1. Radioactive, toxic, flammable, corrosive or other types of hazardous materials;
        2. Activities related to coal mining, extraction of oil and/or natural gas;
        3. Logging and supporting activities of mass sale of timber;
        4. Waste management and disposal;
      4. Specialized financial or legal products or services:
        1. Bail bonds;
        2. Bankruptcy lawyers;
        3. Binary options;
        4. Credit, loans, short-term payday lending and other lending instruments (with the exception of Buy Now Pay Later products);
        5. Debt collection;
        6. Initial coin offerings (ISOs)
        7. Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
        8. Wealth management;
      5. Miscellaneous
        1. Psychic or fortune-teller services;
        2. Pyrotechnic devices and supplies;
        3. Telemarketing;
        4. 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

  2. The Payment Methods are not permitted for use by Merchants operating in or for transactions originating from or directed to the following countries:

    1. 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.

Payment Method - Specific Terms

  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 instrumentsAs mentioned in General Terms (Clause 1)
    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 merchants 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
    2. Merchants 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. Merchants 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 merchants shall remain solely liable for any such violation at all times.

  2. 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 instrumentssee Specific Terms
    1. Merchants shall not impose a surcharge or any other fee for accepting GrabPay as an Alternative Payment Method without prior written consent from GrabPay. This does not prevent merchants from charging a handling fee in connection with the sale of goods or services.
    2. Refunds shall be initiated only through the GrabPay system interface provided by PayGlocal. In the event merchants use any alternative method for the refund, including but not limited to bank remittance or cash refund, GrabPay shall not be a party in any way and such refund shall be between the merchant and the Customer.
    3. Upon request, merchants 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.
    4. Based on this investigation, GrabPay shall decide if a Transaction needs to be refunded to the Customer. The merchants 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 merchant shall be fully liable for any refund amount as well as any other costs directly associated with such refund.
    5. GrabPay reserves the right to impose restrictions to the Service at any time, including rejecting or limiting Transactions.
    6. Merchants 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 a merchant’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.
    7. Merchants offering GrabPay to their Customers commit not to
      1. mischaracterise or disparage GrabPay as method of payment or as a company or
      2. claim that another Payment Method is superior or preferable to GrabPay or express a preference for other Payment Methods over GrabPay.
    8. Merchants will, stop using GrabPay‘s logos, Trademarks or other marks (the “GrabPay Marks”) within thirty days of receiving a request to do so if GrabPay determines in its reasonable discretion that the use tarnishes, blurs or dilutes the GrabPay Marks or misappropriates the associated goodwill.
    9. The following Merchants are considered by GrabPay as High Operational Risk Merchants:
      1. Merchants which sell highly liquid digital goods, which include and are not limited to the following:
        1. Gaming credits
        2. Gaming / play store gift cards
        3. Easily resalable gift cards – including grocery vouchers, departmental store gift cards
        4. Telecommunication services (includes sale of airtime credits)
        5. Cryptocurrency
      2. Merchants which sell high valued liquid physical goods, which include and are not limited to the following:
        1. Gold, precious stones, watches and jewellery
        2. Luxury goods
        3. Consumer electronics (includes handphones, laptops)
        4. Pawn shops
      3. Merchants that enable easy cash-out of bad monies
        1. Betting
        2. Gambling
        3. Games of chance to win prizes of monetary value
      4. Merchants that operate as an investment platform offering investment services
    10. The following onboarding requirements apply to High Operational Risk Merchants: Onboarding requirements: Online merchants will not be able to award Grab Reward points and will need to be integrated onto login via deeplink QR. Exceptions will require approval before onboarding.
    11. The Following Merchants are considered by GrabPay as High Credit Risk Merchants:
      1. Merchants with a longer fulfilment duration, which include and are not limited to:
        1. Airlines
        2. Travel-related industry
        3. Rental companies (e.g. car rentals)
        4. Spa/gyms selling packages
        5. Financial institutions / security brokers or dealers
        6. Non-financial institutions dealing with money orders or travelers cheques or cryptocurrency
      2. The following onboarding requirements apply to High Credit Risk Merchants: Onboarding requirements: All merchants will need to complete the underwriting form and provide their latest financial statements for credit underwriting assessment. Approval is required before onboarding any high credit risk merchants
    12. The Payment Method GrabPay may not be used for certain goods and services which are listed below as well as in the GrabPay Terms of Use. GrabPay reserves the right to update the GrabPay Terms of Use at any time and in case of any discrepancies between the list below and the GrabPay Terms of Use, the GrabPay Terms of Use shall prevail.
      1. Adult media depicting or related to illegal activity such as child pornography, rape, incest, etc;
      2. Any goods or services promoting hate, violence, harm or intolerance in any form;
      3. Any goods or services subject to UN Security Council’s sanctions;
      4. Branded, trademarked or copyrighted goods of any kind unless the seller is the intellectual property / copyright holder or licensee;
      5. Circumvention services, devices or software used to circumvent the law or remove copyright protections;
      6. Deceptive business practices such as Ponzi / pyramid schemes, multi-level marketing, guaranteed results, investment or trading courses and services;
      7. Flammable, explosive, pyrotechnic, toxic and hazardous materials including but not limited to fireworks, explosives, radioactive materials and substances, gunpowder;
      8. Foreign government entities including but not limited to embassies and consulates;
      9. Fortune tellers, astrology, card reading, tarot, hypnosis and similar services;
      10. Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes;
      11. Government, law enforcement and military issued items including but not limited to uniforms, badges, decorations, unless historical and/or clearly not genuine or official (e.g. toys);
      12. Human parts of any kind, including but not limited to organs, body parts, human remains, body fluids, stem cells, embryos;
      13. Illegal drugs, tobacco or health products. Substances designed to mimic the effects thereof. Related accessories and products used to create or consume them such as bongs, hookahs and similar devices;
      14. Items that encourage, promote, facilitate or instruct others to engage in illegal activity;
      15. Items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of Singapore or any jurisdiction;
      16. Legal and tax consultancy, bankruptcy and any similar services;
      17. Narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety;
      18. No-value-added services of any kind, including but not limited to resale of government offerings without authorization or added value, services that are unfair, deceptive, or predatory towards consumers;
      19. Offering or receiving payments for the purpose of bribery or corruption;
      20. Political, religious, spiritual, charitable and non-profit organizations of any kind;
      21. Products of wildlife trafficking, illegal hunting and poaching of endangered species such as marine mammals, shark fins, rhino horns, ivory, deer musk, bear bile, tiger penis, and any similar products;
      22. Property sharing, timeshares, house-swapping, sub-letting, bed & breakfast and similar businesses;
      23. Sale of social media activity, click farms including but not limited to sale of Facebook likes, Twitter followers, YouTube views;
      24. Sexually oriented materials or services;
      25. Stolen goods including unlawfully acquired or copied digital and virtual goods;
      26. The personal information of third parties in violation of Singapore law;
      27. The sales of products or services identified by Singapore government agencies to have a high likelihood of being fraudulent or to be being transacted by the User in violation of Singapore law;
      28. Unlicensed travel agents; or
      29. Weapons of any kind including firearms, ammunition, knives, nunchakus and related products, parts or accessories thereof. Weapons or knives regulated under Singapore law. Toys, gift and replicas of any kind resembling closely any of such items

  3. Klarna - Pay Now

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1 per transaction or equivalent
    Transaction maximum1,000 EUR by default; up to 5,000 EUR for pre-approved by underwriting
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in General Terms (Section 1), : Gambling, financial services (FX currency, money remittance, etc.) and other high-risk digital
    1. Merchants explicitly agree, that by accepting these Terms of Use it enables Klarna’s acquisition of Claims (as defined in the Klarna Services Scheme Rules). The usage of the Klarna Payment Method is thus governed both by the pricing and any other agreement made between the Merchant and PayGlocal as applicable, as well as by the current Klarna Services Scheme Rules in relation to the agreement between PayGlocal and/or the Merchant, as appropriate, and Klarna.
    2. Acceptance of the Merchant, as appropriate, as a user of the Klarna Payment Method is subject at all times to the acceptance of said Merchant by Klarna, which Klarna may refuse at its sole discretion. The Klarna Services Scheme Rules can be found at:
      1. Enterprise:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_reseller/en_gb/kp
      2. SME:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_mor/en_gb/kp

  4. Klarna – Pay Later

    Payment TypeBill PaymentsBill Payments
    Chargeback RiskYES
    Refund possibilityYES
    Transaction minimumEUR 1 per transaction or equivalent
    Transaction maximumSet by Klarna on an individual Customer level
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in General Terms (Section 1), : see Specific Terms
    1. Merchants explicitly agree, that by accepting these Terms of Use it enables Klarna’s acquisition of Claims (as defined in the Klarna Services Scheme Rules). The usage of the Klarna Payment Method is thus governed both by the pricing and any other agreement made between the Merchant and PayGlocal as applicable, as well as by the current Klarna Services Scheme Rules in relation to the agreement between PayGlocal and/or the Merchant, as appropriate, and Klarna. Acceptance of the Merchant, as appropriate, as a user of the Klarna Payment Method is subject at all times to the acceptance of said Merchant by Klarna, which Klarna may refuse at its sole discretion. The Klarna Services Scheme Rules can be found at:
      1. Enterprise:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_reseller/en_gb/kp
      2. SME:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_mor/en_gb/kp
    2. Prohibited goods in addition to those prohibited goods and services listed in General Terms (Section 1), :
      1. Marketing, distribution or other handling of prohibited products or services; illegal business methods, practices, products or services; unlawful use of workforce, including tax evasion
      2. Practices and methods abusing trading for VAT fraud, tax evasion; pyramid type schemes for marketing, distribution and sales
      3. Practices misleading or deceives consumers or discarding or avoiding consumer protection laws; negative response marketing
      4. Gambling, betting or lotteries financed through credit provided by Klarna or otherwise provided without appropriate licenses as required by law
      5. Products or services, which is intended to cause danger, injury or suffering to humans or animals; delivery methods that may cause suffering to animals
      6. prostitution and escort services; the sale of a product or service, including images, which is patently offensive and lacks serious artistic value (such as, without limitation, images of non-consensual sexual behaviour, sexual exploitation of a minor, non-consensual mutilation of a person or body part, and bestiality)
      7. financial services financed through credit provided by Klarna, or otherwise provided without appropriate licenses as required by law; products and services provided without appropriate licenses
    3. Restricted goods:
      1. aggressive marketing; business practices which may cause reputational harm; out and inbound telemarketing; door-to-door sales; possession or association with sites, products or services which are contrary to Klarna’s ethical standards
      2. tobacco products or substitutes thereof; electronic cigarettes (including e-liquid); alcohol products; weapons or armaments, including replicas, soft air guns, knives etc.; cyber lockers (e.g. file sharing, file hosting, file storage) hosting or encouraging unethical or unauthorized content; digital downloads (e.g. film and music download/streaming) providing or hosting unethical or unauthorized content; adult, sexual or pornographic products and services, including live web cam; nutraceuticals; dual use products, which may have a legitimate use, but also an illegitimate use; self-diagnosis test for diseases
      3. financial products or services, such as investment services, financial advice, money services incl. money transfer, currency exchange, virtual, digital or crypto currencies (e.g. Bitcoin), binary options; political organizations, parties or initiatives

  5. Klarna – Slice It

    Payment TypeInstallmentsInstallments
    Chargeback RiskYES
    Refund possibilityYES
    Transaction minimumEUR 1 per transaction or equivalent
    Transaction maximumSet by Klarna on an individual Customer level
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in General Terms (Section 1), : see Specific Terms
    1. Merchants explicitly agree, that by accepting these Terms of Use it enables Klarna’s acquisition of Claims (as defined in the Klarna Services Scheme Rules). The usage of the Klarna Payment Method is thus governed both by the pricing and any other agreement made between the Merchant and PayGlocal as applicable, as well as by the current Klarna Services Scheme Rules in relation to the agreement between PayGlocal and/or the Merchant, as appropriate, and Klarna. Acceptance of the Merchant, as appropriate, as a user of the Klarna Payment Method is subject at all times to the acceptance of said Merchant by Klarna, which Klarna may refuse at its sole discretion. The Klarna Services Scheme Rules can be found at:
      1. Enterprise:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_reseller/en_gb/kp.
      2. SME:https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_mor/en_gb/kp.
    2. Prohibited goods in addition to those prohibited goods and services listed in General Terms (Section 1), :
      1. Marketing, distribution or other handling of prohibited products or services; illegal business methods, practices, products or services; unlawful use of workforce, including tax evasion
      2. Practices and methods abusing trading for VAT fraud, tax evasion; pyramid type schemes for marketing, distribution and sales
      3. Practices misleading or deceives consumers or discarding or avoiding consumer protection laws; negative response marketing
      4. Gambling, betting or lotteries financed through credit provided by Klarna or otherwise provided without appropriate licenses as required by law
      5. Products or services, which is intended to cause danger, injury or suffering to humans or animals; delivery methods that may cause suffering to animals
      6. prostitution and escort services; the sale of a product or service, including images, which is patently offensive and lacks serious artistic value (such as, without limitation, images of non-consensual sexual behaviour, sexual exploitation of a minor, non-consensual mutilation of a person or body part, and bestiality)
      7. financial services financed through credit provided by Klarna, or otherwise provided without appropriate licenses as required by law; products and services provided without appropriate licenses
    3. Restricted goods:
      1. aggressive marketing; business practices which may cause reputational harm; out and inbound telemarketing; door-to-door sales; possession or association with sites, products or services which are contrary to Klarna’s ethical standards
      2. tobacco products or substitutes thereof; electronic cigarettes (including e-liquid); alcohol products; weapons or armaments, including replicas, soft air guns, knives etc.; cyber lockers (e.g. file sharing, file hosting, file storage) hosting or encouraging unethical or unauthorized content; digital downloads (e.g. film and music download/streaming) providing or hosting unethical or unauthorized content; adult, sexual or pornographic products and services, including live web cam; nutraceuticals; dual use products, which may have a legitimate use, but also an illegitimate use; self-diagnosis test for diseases
      3. financial products or services, such as investment services, financial advice, money services incl. money transfer, currency exchange, virtual, digital or crypto currencies (e.g. Bitcoin), binary options; political organizations, parties or initiatives

  6. Trustly

    Payment TypeReal-time Bank Transfer
    Chargeback RiskNO
    Refund possibilityYES
    Transaction minimumEUR 1 per transaction or equivalent
    Transaction maximumAs per Regulatory guidelines
    Specific Prohibited Goods and Services or payment instrumentsIn addition to those prohibited goods and services listed in General Terms (Section 1), : 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 a bank transfer Alternative Payment Method where the Contractual Partner receives a real time confirmation of the Transaction.
    2. Merchant are obliged to expose 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.
    3. Merchants are made aware, that
      1. 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; and
      2. transaction speeds may be affected in the event of significant peaks of transaction volumes initiated under a short period of time or during planned maintenance of the Trustly service and neither PayGlocal nor Trustly do assume any liability in case of Merchants suffering any damage due to non-functionality of such third-party systems or during significant peaks of transaction volumes or during planned maintenance.

  7. ZIP

    Payment TypeInstallments
    Chargeback RiskYES
    Refund possibilityYES
    Transaction minimumAUD 1 per transaction or equivalent
    Transaction maximumAs per Regulatory Guidelines
    Specific Prohibited Goods and Services or payment instrumentssee Specific Terms
    1. 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. Merchants must not charge a Customer a different price for a Purchase than that charged to the Customer for other payment methods.
    3. Merchants agree to not charge a Customer a fee or charge for using Zip as their payment method (i.e. no surcharge permitted).
    4. 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. Merchants 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 Merchants must obtain alternative payment in full or for the balance due at the time the sale is completed.
    7. Merchants must not make any warranty or representation whatsoever to any person which may bind Zip; and
    8. Merchants must not process a Transaction for the payment of a gift card, gift voucher or prepaid stored value card or voucher.
    9. Merchants must 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. Merchants must not process a Transaction on behalf of another person including another merchant or allow another person to use the Merchant Facilities.
    11. Merchants must use reasonable care in processing a Transaction to detect fraud or the unauthorised use or forgery of a Transaction.
    12. Following each Transaction, 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. 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. Merchants should 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. Merchants process the Transaction knowing (or should have known) that the Transaction is unauthorised, fraudulent, or without the authority of the Customer or Zip
      4. PayGlocal was notified by Zip not to accept the Transaction
      5. the Transaction receipt is illegible
      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. 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 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. 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 noncompliance may result in Zip suffering a loss
      11. the Transaction is processed by 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 Transactions 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 Contractual Partner or its merchant failed to comply with all messages generated by the Zip Payment Service in relation to the Transaction.