Selling and Accepting Payments

Accepting Payments From Buyers for Goods and Services

Receiving payments

If you use your AnyonePay account to receive payments for the sale of goods or services or accept donations, you must:

• Pay any applicable fees for receiving the funds.

• Not ask your buyer to send you a personal payment for a purchase. If you do so, AnyonePay may remove your AnyonePay account's ability to accept payments and your account will be suspended.

By integrating into your online checkout/platform any functionality intended to enable a payer with an AnyonePay account to send a payment through your AnyonePay account, you agree to all further terms of use of that functionality which AnyonePay will make available to you on any page on the AnyonePay online platform.

No surcharges

You agree that you will not impose a surcharge or any other fee for accepting AnyonePay as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-AnyonePay transactions.

Presentation of AnyonePay

You must treat AnyonePay payment methods or marks at least on par with any other payment methods offered at your points of sale, wherever AnyonePay’s branded services are integrated, including your websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentation of any of AnyonePay’s services or marks.

In representations to your customers or in public communications, you must not mischaracterize any AnyonePay service as a payment method or exhibit a preference for other payment methods over any AnyonePay service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using AnyonePay or encourage the customer to use an alternate payment method. If you enable your customers to pay you with AnyonePay, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications), you agree to display the AnyonePay services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.

Taxes, information reporting

Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments, including, for example, value-added tax, sales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, "taxes") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. AnyonePay is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction.

Your refund policy and privacy policy

You must publish a refunds and return policy, as well as a privacy policy, where required by law.

Payment review

AnyonePay reviews certain potentially high-risk transactions. If AnyonePay determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. AnyonePay will conduct a review and either complete or cancel the payment. If the payment is completed, AnyonePay will provide notice to you to ship the item. Otherwise, AnyonePay will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for AnyonePay Seller Protection coverage if they meet the AnyonePay Seller Protection requirements. We will notify you by email and/or through your AnyonePay account.

In-store payments

If you accept AnyonePay payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased.

Marketplace sellers

If you're a seller on a marketplace or through a third-party application where AnyonePay is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Accepting preauthorized payments

As a seller, you can accept payments from a buyer's account through preauthorized payments either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized debit or PAD", "preauthorized transfer, "pre-approved payment " or "automatic payment."

If you receive preauthorized payments from buyers:
You must	You must not
Get each buyer's prior authorization for the amount, frequency, and duration of any such payment.	Restart future payments without the buyer's written authorization, if a buyer has stopped or canceled a pre authorized payment.
Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorized payments online.
Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment.
Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer's option) any payment that is in an amount that falls outside of the pre-determined range.

Transaction Fees for Online and In-Store Payments

Standard transactions fees

The fees you pay when selling goods or services and the buyer pays using their AnyonePay account (or using another authorized wallet) can be found on the Commercial Payments Fees table below. Please note that:

• We may adjust the fees applicable to future transactions that you process using AnyonePay. We will provide you at least 14 days' advance notice of any fee increase or the introduction of a new type of fee.

• If you refund (partially or fully) a transaction to a buyer or a donation to a donor, there are no fees to make the refund, but the fees you originally paid as the seller will not be returned to you.

Merchant Rate

To qualify for our merchant rate, you must submit a one-time application, have a qualifying monthly sales volume, and have a business account in good standing.

Refunds, Reversals and Chargebacks

General information

If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees. Whenever a transaction is refunded or otherwise reversed, the merchant is responsible to refund or reverse the transaction from your AnyonePay account in the same currency as the original transaction.

If you refund (partially or fully) a transaction to a buyer or a donation to a donor, there are no fees to make the refund, but the fees you originally paid as the seller will not be returned to you.

The buyer's account will be credited with the full payment amount, or a portion of the payment amount in the event of a partial refund, we'll retain the fixed fee portion of the fees you paid, and the amount of the refunded payment will be deducted from your AnyonePay account.

Payments that are invalidated and reversed

Payments to you may be invalidated and reversed by AnyonePay if:

• You lose an AnyonePay Buyer Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner.

• Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for AnyonePay Seller Protection. The card issuer, not AnyonePay, determines whether a buyer is successful when they pursue a chargeback related to a card-funded transaction.

• You do not fulfill the transaction as promised or you cannot provide proof of shipment or proof of delivery when required.

• Our investigation of a bank reversal made by a buyer or the buyer's bank finds that the transaction was fraudulent.

• AnyonePay sent the payment to you in error.

• The payment was unauthorized.

• You received the payment for activities that violated this user agreement, the AnyonePay Acceptable Use Policy or any other agreement between you and AnyonePay.

When you receive a payment, you are liable to AnyonePay for the full amount of the payment sent to you plus any fees if the payment is later invalidated for any reason. If you do not do so, AnyonePay may:

• engage in collection efforts to recover such amounts from you;

• take any and all action as outlined under Amounts owed to AnyonePay; or

• place a limitation or take other action on your AnyonePay account as outlined under Restricted Activities and Holds.

Chargeback fees

If you receive a debit or credit card-funded payment through your AnyonePay account and the buyer pursues a chargeback for the transaction with their card issuer, AnyonePay will not assess you with a chargeback fee if the transaction is eligible for AnyonePay Seller Protection. However, if the transaction is ineligible for AnyonePay Seller Protection, AnyonePay will assess you with a chargeback fee (for facilitating the chargeback process) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.

If a buyer files a chargeback, the card issuer, not AnyonePay, will determine who wins the chargeback.

Impact of various Buyer Protection processes on sellers

You should read and understand Anyone PaysAnyonePay's Buyer Protection program. Buyers' rights under these programs may impact you as a seller.

If you lose a claim under AnyonePay's Buyer Protection program:

• You will be required to reimburse AnyonePay for your liability.

• Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the AnyonePay fees that you were charged for the transaction.

• You will not receive a refund of the AnyonePay fees that you paid in connection with the sale.

• If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.

• If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

AnyonePay's Seller Protection Program

What is AnyonePay Seller Protection?

The AnyonePay Seller Protection is protection we provide to sellers in the Philippines from claims, chargebacks or reversals that are based on:

• Unauthorized Transaction; or

• Item Not Received.

AnyonePay Seller Protection is available for eligible payments from AnyonePay account holding buyers.

How much protection is provided by AnyonePay Seller Protection?

AnyonePay will pay you the full amount of the eligible payment and waive the chargeback fees paid (for debit and credit card-funded transactions) if applicable.

Eligibility for AnyonePay Seller Protection

You must meet all of these requirements to be eligible for AnyonePay Seller Protection as well as any applicable additional requirements:

• You receive payment via AnyonePay from a AnyonePay account (partial payment and/or payment in installments are excluded);

• The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements.

• For intangible items, you must comply with the Intangible Goods Additional Requirements.

• You must ship the item to the shipping address on the transaction details page in your AnyonePay account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for AnyonePay Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery;

• You must respond to AnyonePay's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to AnyonePay's request for documentation and other information in the time requested, you may not be eligible for Seller Protection.

• If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.

• You must provide us with proof of shipment or proof of delivery as described below;

• The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for AnyonePay's Seller Protection on the transaction details page.

• Your eligibility is not otherwise suspended.

Intangible Goods additional requirements

For the sale of intangible goods and services to be eligible for Seller Protection, the sale must meet the basic requirements and the following additional requirements:

• Integration requirements:

  • Where you have integrated an AnyonePay checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or
  • Ensure you are passing session information to AnyonePay at checkout if you are integrated with AnyonePay via a third-party or if you have a native app integration.
  • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed.

• You have delivered the item and provided proof of shipment or delivery for Intangible Goods.

• Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount (based on the currency of the payment) listed in the signature confirmation threshold table.

• For the sale of digital goods or licenses for digital content to be eligible for Seller Protection, you have paid standard transaction fees on the sale.

Establishing proof of delivery or proof of shipment for sellers

Physical Goods The following is required as proof of shipment or delivery for physical goods:
Proof of shipment	Proof of delivery
Online or physical documentation from a shipping company that includes: Date of shipment An address for the recipient that matches the shipping address on the transaction details page; or An address for the recipient showing at least the city, country, or postal zip code (or international equivalent).	Online or physical documentation from a shipping company that includes: The date of delivery and/or "delivered" status of the item or service. An address for the recipient showing at least the city, country, or postal zip code (or international equivalent). The recipient's address (email/IP) where applicable. Signature confirmation when the full amount of the payment (including shipping and taxes exceeds) the fixed amount (based on the currency of the payment) listed in the signature confirmation threshold table. Signature confirmation is online documentation, viewable at the shipping company's website, indicating that the item was signed for. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered' status at the correct address, or your Seller Protection claim may be denied.
Intangible Goods The following is required as proof of shipment or delivery for intangible goods:
For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either: Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or Received or accessed by the recipient

AnyonePay Seller Protection Process

AnyonePay will place a temporary hold on the funds in your account to cover the full amount of the claim, chargeback or reversal. We will ask you to provide proof of shipment or proof of delivery and any other information we need to determine whether the transaction meets the eligibility requirements for AnyonePay Seller Protection.

We will use our reasonable discretion to determine whether a transaction meets the AnyonePay Seller Protection eligibility requirements. If it does, we will lift the temporary hold and restore the funds to your account.

If the payment is not covered by AnyonePay Seller Protection, AnyonePay will remove the funds from your account and return the payment to the buyer. In addition, you will be responsible for AnyonePay’s chargeback fee, if applicable.

Suspension of Eligibility for AnyonePay Seller Protection

We may suspend your eligibility for AnyonePay Seller Protection if we hold a reasonable belief that there is an increased risk associated with your account. In assessing a risk, we will consider the:

• Total monetary amount and / or number of claims, chargebacks or reversals issued against your AnyonePay account;

• Reasonable risk of your account to the integrity of AnyonePay and our system; and

• Potential losses occurring to us or our users.

We may suspend your eligibility for AnyonePay Seller Protection if it is linked or associated with another account which has been suspended.

We will lift the suspension provided we no longer hold a reasonable belief that there is an increased risk associated with your account.

If we reasonably believe a risk still exists, we may in our sole discretion, require you to take certain action in order to lift the suspension of your eligibility for AnyonePay Seller Protection. You must follow our directions as reasonably required by AnyonePay within the timeframe specified.

We will notify you by email if we suspend or lift the suspension of your eligibility for AnyonePay Seller Protection.

Examples of Items/transactions not eligible for AnyonePay Seller Protection

• Vehicles, including motorcycles, caravans, aircrafts and boats.

• Claims or chargebacks for items that are Significantly Not as Described.

• Items that you deliver in person, including at a point of sale.

• Items that are sent after AnyonePay has advised the Seller not to release the item.

• The item is not shipped to the recipient address.

• Payments made in respect of gold (whether in physical form or in exchange-traded form)

• Cash and items equivalent to cash (including, without limitation, gift cards or vouchers)

• Donations

• Financial Products or investments of any kind

Exclusions from AnyonePay Seller Protection

If we reasonably determine, having considered all relevant circumstances, that you have abused the AnyonePay Seller Protection Policy, we may at our sole discretion, exclude you from the AnyonePay Seller Protection Policy or take any other actions pursuant to this Agreement. We will notify you if you are excluded.

If you receive payment under AnyonePay Seller Protection which you are not entitled or eligible to receive, the payments are repayable immediately by you and may be recovered as a debt due and payable to AnyonePay.

What's eligible

If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under AnyonePay's Seller Protection program. When it applies, AnyonePay's Seller Protection program entitles you to retain the full purchase amount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your AnyonePay account you can determine whether or not your transaction is eligible for protection under this program.

AnyonePay's Seller Protection program may apply when a buyer claims that:

• They did not authorize or benefit from funds sent from their AnyonePay account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by AnyonePay; or

• They did not receive the item from you (referred to as an "Item Not Received" claim).

AnyonePay's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank.

This section describes AnyonePay's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers.

Basic requirements

To be eligible for AnyonePay's Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements:

• You provide us with valid proof of shipment or proof of delivery. The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements.

• You must ship the item to the shipping address on the transaction details page in your AnyonePay account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for AnyonePay Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.

• You must respond to AnyonePay's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to AnyonePay's request for documentation and other information in the time requested, you may not be eligible for Seller Protection. If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.

• You must accept payment from an AnyonePay account for the purchase (partial payment and/or payment in installments are excluded).

• The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for AnyonePay's Seller Protection on the Transaction Details page.

Item Not Received additional requirement

To be eligible for AnyonePay's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirement listed below:

• Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for AnyonePay's Seller Protection on the transaction details page.

Intangible Goods additional requirements

For the sale of intangible goods and services to be eligible for Seller Protection, the sale must meet the basic requirements and the following additional requirements:

• Integration requirements:

  • Where you have integrated a AnyonePay checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or Ensure you are passing session information to AnyonePay at checkout if you are integrated with AnyonePay via a third-party or if you have a native app integration.

  • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed.

• Paid standard transaction fees on the sale.

• Delivered the item and provide Proof of shipment or delivery for Intangible Goods.

• Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount (based on the currency of the payment) listed in the signature confirmation threshold table.

Establishing proof of delivery or proof of shipment

Physical Goods The following is required as proof of shipment or delivery for physical goods:
Proof of shipment	Proof of delivery
Online or physical documentation from a shipping company that includes: Date of shipment An address for the recipient that matches the shipping address on the transaction details page An address for the recipient showing at least the city, country, or postal zip code (or international equivalent).	Online or physical documentation from a shipping company that includes: Date of delivery and "delivered" status of the item or service. An address for the recipient showing at least the city, country, or postal zip code (or international equivalent). Signature confirmation when the full amount of the payment (including shipping and taxes exceeds) the fixed amount (based on the currency of the payment) listed in the signature confirmation threshold table . Signature confirmation is online documentation, viewable at the shipping company's website, indicating that the item was signed for. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered' status at the correct address, or your Seller Protection claim may be denied.

Intangible Goods The following is required as proof of shipment or delivery for intangible goods:

For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either: Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or Received or accessed by the recipient

Signature confirmation currency thresholds

Signature confirmation currency thresholds	Transaction value
Philippine Peso:	34,000 PHP

Ineligible items and transactions

Your sale is not eligible for coverage under AnyonePay's Seller Protection program if:

• The buyer claims (either with us or their card issuer) that the item you sent isn't what was ordered (referred to as a "Significantly Not as Described" claim). It involves an item that AnyonePay determines, in its sole discretion, is a counterfeit item.

• It involves an item that you deliver in person, including in connection with a payment made in your store location at a point of sale.

• It involves sales that are not processed either through a buyer's AnyonePay account or a AnyonePay guest checkout transaction.

• Payments made in respect of gold (whether in physical form or in exchange-traded form).

• It involves items equivalent to cash, including gift cards or vouchers.

• It involves a donation.

• It relates to the purchase of a financial product or investment of any kind.

• The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.

• The item is not shipped to the recipient address.