Acceptable Use Policy
1. Access to the Service
1.1. Any person (a Merchant) accessing, receiving or otherwise using any of the services offered by the Service Provider (the Services) is responsible for complying with all applicable laws, by-laws, regulations, rules or orders regarding such access, receipt or use of the Services.
1.2. The Merchant also agrees to adhere to the terms of this Acceptable Use Policy, which may be amended from time to time by the Service Provider posting a revised version on its website.
1.3. The Merchant’s subsequent use of the Services will constitute its agreement to the Acceptable Use Policy then in effect. References to the Service Provider in this Acceptable Use Policy shall be references to Pay360 Limited owned by Capita Holdings Limited company number 03539217 whose registered office is at 65 Gresham St, London, EC2V 7NQ.
1.4. The Merchant agrees that prior to commencing use of the Services the Merchant shall provide the Service Provider with details of the Merchant’s Identification Number issued to the by the Acquiring Bank, unless the Merchant is using the Service Provider services to request this on your behalf.
1.5. The Merchant agrees to a comply with all instructions and or notices in relation to the use of any Intellectual Property including but not limited to any trademark, brand name and or logo of the Service Provider and or the Pay360 by Capita or Intellectual Property of a Scheme.
2. Business requirements
2.1. Subject to paragraph 3 below, any Merchant must at all times:
be a company registered within the European Union, the EEA, Israel or Turkey;
be able to meeting the appropriate regulatory criteria including but not limited to ability to product the documentation and or information needed to satisfy “Know Your Customer” and anti-money laundering review procedures;
only permit access to or requests for the Services to be made on its behalf by representatives over the age of 18;
have all necessary licences and authorisations in place in order to carry on its business;
comply with PCI Data Security Standard or such other fraud prevention standards as may be imposed by the Schemes from time to time; and
hold a bank account in the same name as the entity that has entered into an agreement with the Service Provider for use of the Services.
3. Unacceptable business sectors and practices
3.1. The Merchant agrees that it shall not use the Services (or allow the Services to be used) directly or indirectly for any of the following activities:
any activities contrary to any applicable laws, by-laws, regulations, rules or orders;
live streaming;
investment programmes or “Get Rich Quick” schemes;
businesses that employ cold-calling tactics, pressure sales or unsolicited outbound telemarketing;
multi-level marketing or pyramid selling;
uncoded gaming;
timeshares or property reservations (Off and On Plan);
the sale, promotion, distribution or marketing of any of the following:
3.1.1 products with unproven or doubtful efficacy (including but not limited to slimming pills and body enhancers);
3.1.2 tobacco or alcohol products;
3.1.3 drugs, chemicals, any form of controlled substances and or related paraphernalia;
3.1.4 weapons (including but not limited to guns, knives and ammunition);
3.1.5 items or materials that promote, encourage or facilitate illegal activity;
3.1.6 counterfeit products;
3.1.7 items which breach any third party intellectual property rights in any jurisdiction;
3.1.8 items incorporating proprietary rights (including but not limited to any intellectual property rights) belonging to third parties without full permission;
3.1.9 adult DVDs which do not hold a BBFC Rating of 18 or below (R18 material is not acceptable);
3.1.10 material which incites violence, hatred or racism or which are considered obscene;
3.1.11 escort agencies or massage parlours
3.1.12 third party processing;
3.1.13 payment aggregation (other than when such activity by the Merchant is with the prior approval of the Acquirer, Schemes and/or authorised by the Financial Conduct Authority or any other competent authority);
3.1.14 reverse auctions,
3.1.15 auction sites (not authorised by the Service Provider).
3.1.16 politically affiliated organisations,
3.1.17 eWallets (other than when such activity by the Merchant is with the prior approval of the Acquirer, Schemes and/or authorised by the Financial Conduct Authority or any other competent authority);
3.1.18 e-gold.
3.1.19 extended warranties, goods and services protection policies (other than regulated products and services);
3.1.20 unregulated cyprtocurrency (not authorised by the Service Provider);
3.1.21. products intended for human consumption which have not be subject to the appropriate regulated testing and controls..
3.2. The Merchant agrees that it in making use of the Services it shall:
not breach or cause the Service Provider to breach any applicable laws and regulations (including but not limited to the Electronic Commerce (EC Directive) Regulations 2002, Financial Services (Distance Marketing) Regulations 2004 , the Consumer Protection (Distance Selling) Regulations 2000), Payment Services Regulations 2009) and
put in place adequate controls with regard to the sale of any age restricted products;
put in place adequate controls to ensure the payment for and or provision of the goods or services would not contravene applicable laws; and
put in place adequate controls to prevent the offering of goods and or services or the distribution of goods and or services to cardholders and or customer which would be in contravention of local laws.
4. Policy exceptions
4.1. Notwithstanding certain of the obligations set out in paragraphs 1 and 2 above, the Service Provider may (subject to the Service Provider’s prior written approval at its sole discretion and to any additional conditions that the Service Provider deems necessary to impose) offer Services to Merchants operating in the following industry sectors or using the following procedures:
travel (including tour operators, travel agents and weekend event organisers);
ticket sales (including resellers and corporate hospitality arrangers);
any business where payment may be made by the consumer in advance, including subscriptions and memberships; and/or
any Merchants registered outside the European Union, the EEA, Israel and Turkey and holding a account with one of the Service Provider’s Approved Bank Partners (as described on the Service Provider’s website).
5. Merchant notification
5.1. The Merchant agrees that:
if it intends at any time after the Service Provider has approved the Merchant for the Services to change the nature of the goods or services it offers via the Services or any of the activities it is engaged in, it shall notify the Service Provider of any such change and request the Service Provider’s approval prior to commencing the processing of card transactions related to such new goods, services or activities (as the case may be); and
it shall immediately notify the Service Provider of any changes to its organisational structure, including but not limited to changes of ownership, legal entity and change of bank details.
6. Termination
6.1. In addition to any rights granted to the Service Provider at law or under any separate agreements with the Merchant, the Service Provider may suspend or cease to provide the Services immediately if the Merchant commits a material breach of this Acceptable Use Policy (including but not limited to any failure to notify the Service Provider in accordance with paragraph 4 above).
7. Supplemental Terms – FraudGuard Acceptable Use Policy
7.1. The shall at all times comply with the Pay360 by Capita Acceptable Use Policy and the FraudGuard Guide as published on the Service Provider website as the same may be amended from time to time.
7.2. The shall not;
use the FraudGuard product in any way that would be in breach of the Scheme Rules and or any applicable laws, regulatory controls or regulatory requirements; or
apply any criteria in relation to the application of the Fraud Rules, Territory Management, Blacklist or Whitelist, Fraud Scoring or any other FraudGuard function and or service that would be in breach of the Scheme Rules and or any applicable laws, regulatory controls, orders, restrictions or regulatory requirements.
1.1. Any person (a Merchant) accessing, receiving or otherwise using any of the services offered by the Service Provider (the Services) is responsible for complying with all applicable laws, by-laws, regulations, rules or orders regarding such access, receipt or use of the Services.
1.2. The Merchant also agrees to adhere to the terms of this Acceptable Use Policy, which may be amended from time to time by the Service Provider posting a revised version on its website.
1.3. The Merchant’s subsequent use of the Services will constitute its agreement to the Acceptable Use Policy then in effect. References to the Service Provider in this Acceptable Use Policy shall be references to Pay360 Limited owned by Capita Holdings Limited company number 03539217 whose registered office is at 65 Gresham St, London, EC2V 7NQ.
1.4. The Merchant agrees that prior to commencing use of the Services the Merchant shall provide the Service Provider with details of the Merchant’s Identification Number issued to the by the Acquiring Bank, unless the Merchant is using the Service Provider services to request this on your behalf.
1.5. The Merchant agrees to a comply with all instructions and or notices in relation to the use of any Intellectual Property including but not limited to any trademark, brand name and or logo of the Service Provider and or the Pay360 by Capita or Intellectual Property of a Scheme.
2. Business requirements
2.1. Subject to paragraph 3 below, any Merchant must at all times:
be a company registered within the European Union, the EEA, Israel or Turkey;
be able to meeting the appropriate regulatory criteria including but not limited to ability to product the documentation and or information needed to satisfy “Know Your Customer” and anti-money laundering review procedures;
only permit access to or requests for the Services to be made on its behalf by representatives over the age of 18;
have all necessary licences and authorisations in place in order to carry on its business;
comply with PCI Data Security Standard or such other fraud prevention standards as may be imposed by the Schemes from time to time; and
hold a bank account in the same name as the entity that has entered into an agreement with the Service Provider for use of the Services.
3. Unacceptable business sectors and practices
3.1. The Merchant agrees that it shall not use the Services (or allow the Services to be used) directly or indirectly for any of the following activities:
any activities contrary to any applicable laws, by-laws, regulations, rules or orders;
live streaming;
investment programmes or “Get Rich Quick” schemes;
businesses that employ cold-calling tactics, pressure sales or unsolicited outbound telemarketing;
multi-level marketing or pyramid selling;
uncoded gaming;
timeshares or property reservations (Off and On Plan);
the sale, promotion, distribution or marketing of any of the following:
3.1.1 products with unproven or doubtful efficacy (including but not limited to slimming pills and body enhancers);
3.1.2 tobacco or alcohol products;
3.1.3 drugs, chemicals, any form of controlled substances and or related paraphernalia;
3.1.4 weapons (including but not limited to guns, knives and ammunition);
3.1.5 items or materials that promote, encourage or facilitate illegal activity;
3.1.6 counterfeit products;
3.1.7 items which breach any third party intellectual property rights in any jurisdiction;
3.1.8 items incorporating proprietary rights (including but not limited to any intellectual property rights) belonging to third parties without full permission;
3.1.9 adult DVDs which do not hold a BBFC Rating of 18 or below (R18 material is not acceptable);
3.1.10 material which incites violence, hatred or racism or which are considered obscene;
3.1.11 escort agencies or massage parlours
3.1.12 third party processing;
3.1.13 payment aggregation (other than when such activity by the Merchant is with the prior approval of the Acquirer, Schemes and/or authorised by the Financial Conduct Authority or any other competent authority);
3.1.14 reverse auctions,
3.1.15 auction sites (not authorised by the Service Provider).
3.1.16 politically affiliated organisations,
3.1.17 eWallets (other than when such activity by the Merchant is with the prior approval of the Acquirer, Schemes and/or authorised by the Financial Conduct Authority or any other competent authority);
3.1.18 e-gold.
3.1.19 extended warranties, goods and services protection policies (other than regulated products and services);
3.1.20 unregulated cyprtocurrency (not authorised by the Service Provider);
3.1.21. products intended for human consumption which have not be subject to the appropriate regulated testing and controls..
3.2. The Merchant agrees that it in making use of the Services it shall:
not breach or cause the Service Provider to breach any applicable laws and regulations (including but not limited to the Electronic Commerce (EC Directive) Regulations 2002, Financial Services (Distance Marketing) Regulations 2004 , the Consumer Protection (Distance Selling) Regulations 2000), Payment Services Regulations 2009) and
put in place adequate controls with regard to the sale of any age restricted products;
put in place adequate controls to ensure the payment for and or provision of the goods or services would not contravene applicable laws; and
put in place adequate controls to prevent the offering of goods and or services or the distribution of goods and or services to cardholders and or customer which would be in contravention of local laws.
4. Policy exceptions
4.1. Notwithstanding certain of the obligations set out in paragraphs 1 and 2 above, the Service Provider may (subject to the Service Provider’s prior written approval at its sole discretion and to any additional conditions that the Service Provider deems necessary to impose) offer Services to Merchants operating in the following industry sectors or using the following procedures:
travel (including tour operators, travel agents and weekend event organisers);
ticket sales (including resellers and corporate hospitality arrangers);
any business where payment may be made by the consumer in advance, including subscriptions and memberships; and/or
any Merchants registered outside the European Union, the EEA, Israel and Turkey and holding a account with one of the Service Provider’s Approved Bank Partners (as described on the Service Provider’s website).
5. Merchant notification
5.1. The Merchant agrees that:
if it intends at any time after the Service Provider has approved the Merchant for the Services to change the nature of the goods or services it offers via the Services or any of the activities it is engaged in, it shall notify the Service Provider of any such change and request the Service Provider’s approval prior to commencing the processing of card transactions related to such new goods, services or activities (as the case may be); and
it shall immediately notify the Service Provider of any changes to its organisational structure, including but not limited to changes of ownership, legal entity and change of bank details.
6. Termination
6.1. In addition to any rights granted to the Service Provider at law or under any separate agreements with the Merchant, the Service Provider may suspend or cease to provide the Services immediately if the Merchant commits a material breach of this Acceptable Use Policy (including but not limited to any failure to notify the Service Provider in accordance with paragraph 4 above).
7. Supplemental Terms – FraudGuard Acceptable Use Policy
7.1. The shall at all times comply with the Pay360 by Capita Acceptable Use Policy and the FraudGuard Guide as published on the Service Provider website as the same may be amended from time to time.
7.2. The shall not;
use the FraudGuard product in any way that would be in breach of the Scheme Rules and or any applicable laws, regulatory controls or regulatory requirements; or
apply any criteria in relation to the application of the Fraud Rules, Territory Management, Blacklist or Whitelist, Fraud Scoring or any other FraudGuard function and or service that would be in breach of the Scheme Rules and or any applicable laws, regulatory controls, orders, restrictions or regulatory requirements.