{"collectionById":{"b83d098b-b611-434d-a0a6-f5d0b12e911b":{"id":"b83d098b-b611-434d-a0a6-f5d0b12e911b","name":"Terms","fieldSchemas":[{"id":"48798e7e-26a5-4b84-b33c-b7f1f81c6084","name":"Slug","type":"slug","role":"slug"},{"id":"63c22b72-e223-4675-a4e6-bbd4201fc0ec","name":"Rich text","type":"rich_text"}],"itemById":{"b4fa8849-55d1-4343-9e61-8af01e0d140c":{"id":"b4fa8849-55d1-4343-9e61-8af01e0d140c","index":"!","collectionId":"b83d098b-b611-434d-a0a6-f5d0b12e911b","fields":[{"id":"24a10a26-eee0-4597-ac65-c600a9037ff8","value":"{\"root\":{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"Moneliq Limited Acquiring Merchant Terms and Conditions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h3\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"Version 1.0 - December 2025\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"1. Definitions and interpretation\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h4\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"Capitalised terms used in these Merchant Terms shall have the meaning set out in Clause 38.1 (Definitions and Interpretation) and the Agreement shall be interpreted in accordance with Clauses 38.2 to 38.8 (inclusive).\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"2. Provision of services\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h4\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"• asdfasdf\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"ffasdf\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"asdfff\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"asdfasdf\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"asdfffffff\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"asasd\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"fff\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"asdf\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":5}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"number\",\"start\":1,\"tag\":\"ol\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"2.1 In consideration of payment by the Merchant of the Charges and Fees, Moneliq Limited agrees, subject to the terms and conditions of the Agreement, to provide the Merchant with the Services as initially selected in the Application Documentation and amended, updated, supplemented and/or replaced from time to time in accordance with the Agreement. The Merchant may request a copy of the Agreement from Moneliq Limited at any time.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"2.2 Moneliq Limited may from time to time provide the Merchant with Additional Services. Each Additional Service will be governed by the Additional Service Conditions applicable to it as well as the other terms and conditions of the Agreement. The Additional Service Conditions will be provided to the Merchant as and when they are applicable to the Merchant and the Agreement. The Merchant must pay the Charges and Fees (plus VAT, where applicable) relating to any Additional Service in accordance with the applicable Additional Service Conditions and the other parts of the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"2.3 If the Merchant requires any additional product and/or service from Moneliq Limited, which is not offered by Moneliq Limited in the form of an Additional Service or other element of the the Services, the Merchant shall issue a written request to Moneliq Limited and, where Moneliq Limited is willing to provide the relevant product and/or service, Moneliq Limited shall propose a separate written agreement setting out the terms and conditions on which it is willing to provide such product and/or service (\\\"Separate Agreement\\\"). Unless and until such time as a Separate Agreement has been agreed and signed by or on behalf of the parties to govern Moneliq Limited's provision of any additional product and/or service requested by the Merchant, Moneliq Limited shall not be under any obligation to provide the relevant product and/or service. Once agreed and signed by or on behalf of the parties, each Separate Agreement will be entirely independent and separate from the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3. Charges and fees\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h4\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.1 The Merchant must pay to Moneliq Limited the Charges and Fees (as may be amended, updated, supplemented and/or replaced from time to time) together with all applicable taxes (including any VAT) in Euro or GBP currency (or such other currency as Moneliq Limited may agree from time to time).\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.2 In addition, the Merchant must also pay to Moneliq Limited:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) the full amount of any Refunds issued (if not already deducted from sums paid or payable by Moneliq Limited to the Merchant);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) the full amount of any overpayments made by Moneliq Limited in respect of Transaction Data, howsoever caused;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) the full amount of any payments made by Moneliq Limited in respect of invalid Transaction Data;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) the full amount of any Chargebacks;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(e) the full amount of any fees, fines or other charges payable by Moneliq Limited to a Card Scheme or any other person as a result of any failure by the Merchant to comply with the Agreement, or if the ratio of the Merchant's Chargebacks to Transactions is outside the relevant Card Scheme thresholds (as determined by the Card Schemes from time to time);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(f) the full amount of Moneliq Limited's reasonable costs (including management time) incurred in managing the Nominated Bank Account if the Merchant is in breach of the Agreement or if the Merchant's acts or omissions cause Moneliq Limited to carry out any investigation or if the Merchant requests help from Moneliq Limited in connection with the Nominated Bank Account; and\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(g) the full amount of any other sums due and payable by the Merchant under the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":7}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.3 The Charges and Fees and other sums payable by the Merchant, or by Moneliq Limited on behalf of the Merchant, shall be debited from the Nominated Bank Account (and/or from such other account as Moneliq Limited has agreed with the Merchant) including from any funds to be settled to the Merchant, at such frequency for the previous day's, week's or month's activity as Moneliq Limited determines and/or in any other manner provided in the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.4 Moneliq Limited may change the rate or basis of the Charges and Fees at any time. Moneliq Limited will notify the Merchant as soon as reasonably practicable of any change to the rate and/or basis of the Charges and Fees in accordance with Clause 2.7 (Notices). Any new Charges and Fees shall be applicable to the Merchant as from the time Moneliq Limited applies the change or at such later date as may be specified by Moneliq Limited in a notice to the Merchant.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.5 Without prejudice to the generality of Clause 3.4 above, Moneliq Limited may change the Charges and Fees immediately, without notifying the Merchant first, due to:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) changes in Card Scheme fees (such as interchange, assessments and/or other charges);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) changes in pricing by any Alternative Payment Scheme or Alternative Payment Scheme Provider used by the Merchant; and/or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) fees which are added by a Card Scheme.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.6 Moneliq Limited shall send or make available to the Merchant a periodic statement at least monthly setting out the Transactions and Alternative Payment Scheme Transactions performed by the Merchant and the Charges and Fees due by the Merchant. Each such statement shall constitute a proper demand for payment and shall be conclusive evidence of the amount which is due from the Merchant to Moneliq Limited unless there is a manifest error. Moneliq Limited shall also provide a monthly report setting out the information required under the Applicable Law (Interchange Fees) as the same may be amended from time to time. The Merchant must check each such statement and notify Moneliq Limited within one month of it being first sent or made available (as the case may be) of any errors in it.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.7 The Merchant must maintain with its Nominated Bank Account provider an instruction to pay on presentation all requests for payment of a debit initiated by Moneliq Limited in respect of amounts due by the Merchant to Moneliq Limited. The Merchant must maintain such direct debit instruction throughout the term of the Agreement and until the later of: (a) a further thirteen months from the date on which the Agreement terminates; or (b) the discharge of all of the Merchant's payment obligations and liabilities under the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.8 Moneliq Limited reserves the right to require the Merchant to undertake only Secured Transactions. In the event the Merchant fails to undertake any Secured Transactions by the date on which Moneliq Limited notifies to the Merchant that it must do so, Moneliq Limited shall have the right to:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) add a non-secure fee (in addition to the other Charges and Fees) to the Transactions and each subsequent Transaction that is not processed as a Secured Transaction; and/or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) terminate or suspend the whole or any part of the Services and/or Agreement immediately.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.9 The Merchant must pay any amounts it owes to Moneliq Limited under the Agreement as soon as those amounts are due. Payment of all sums due to us under the Agreement shall be made by the Merchant in full without any set-off, deductions or withholdings. If the Merchant does not pay Moneliq Limited immediately when due then Moneliq Limited may charge interest on any amounts which the Merchant has not paid. Moneliq Limited reserves the right to charge interest each day at the rate of 8% per annum above the Bank of England's base rate. Interest shall be calculated on a daily basis from the due date until the date on which the sum due has been paid in full, whether before or after any judgement, and shall continue to accrue notwithstanding the termination of the Agreement for whatever cause.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"3.10 The Merchant acknowledges that any charges and fees applied to it by its own bank in relation to this Agreement (for example, in relation to certain cross-border settlements) are the Merchant's sole responsibility.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"4. The merchant's obligations\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h4\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"4.1 Compliance with the Agreement and restrictions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall comply, and shall ensure that each person acting on its behalf complies, with the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant shall not:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) if applicable, honour a Transaction or Alternative Payment Scheme Transaction where the provision of credit is unlawful;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) supply any other person with equipment to enable them to effect Transactions or Alternative Payment Scheme Transactions nor present to Moneliq Limited any Transaction Data which has not originated as a result of a transaction between the Merchant and a Cardholder or Account Holder (as applicable); or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) without Moneliq Limited's prior written consent, accept Transactions or Alternative Payment Scheme Transactions for goods and/or services whilst trading under any company or business name other than that specified in the Application Documentation.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"4.2 Nominated bank account\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall at all times during the term of the Agreement maintain a Nominated Bank Account in Euro or GBP currency (or such other currency as Moneliq Limited may agree in writing from time to time) for the purpose of enabling Moneliq Limited to credit payments due to the Merchant, and to debit any sums payable by the Merchant to Moneliq Limited and/or recoverable by Moneliq Limited under the Agreement, by direct debit (or otherwise as required by Moneliq Limited). If the Merchant requires more than one such account, the Merchant must obtain Moneliq Limited's prior written consent before having any other Nominated Bank Account. Where the currency of the Nominated Bank Account is different to the currency which the Merchant has elected to be settled in, the Merchant shall be responsible for any and all foreign exchange charges arising, whether charged by Moneliq Limited or any third party.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant hereby authorises each Alternative Payment Scheme Facilitator, Moneliq Limited and any person authorised by Moneliq Limited to transfer money to and from the Nominated Bank Account as required in order to perform the Services and/or exercise any rights under the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) If the Merchant intends to change any of its Nominated Bank Accounts, the Merchant must give Moneliq Limited at least sixty (60) calendar days' prior written notice. Such notice must be accompanied by a copy of a bank account statement for the new Nominated Bank Account (dated no more than three (3) months prior to the Merchant's notification). The Merchant shall initiate a new payment instruction in relation to the new Nominated Bank Account in accordance with the Agreement. Subject to Clause 20.3, Moneliq Limited shall have no liability to the Merchant whatsoever for any Losses caused by any delay in the payment of settlement funds to the Merchant due to and/or during any such changes to any Nominated Bank Account.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"4.3 Use of promotional signs\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall adequately display the Promotional Sign(s) in accordance with the Merchant Operating Guides:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) at the point of sale for Transactions where the Card is presented,\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) on the Website payment pages where the Transaction is an Electronic Commerce Transaction; and\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) on the Website payment pages where the Merchant processes any Alternative Payment Scheme Transaction.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant may use names and designs approved by Moneliq Limited and made available to the Merchant by Moneliq Limited to indicate that a Card Scheme or Alternative Payment Scheme is accepted for payment by the Merchant and processed by Moneliq Limited. The Merchant shall not without Moneliq Limited's prior written consent, use any other material referring to Moneliq Limited, Moneliq Limited's Affiliates, or any other name or design associated with the Services or any Card Scheme, Alternative Payment Scheme, Accounts or Cards.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"4.4 Assistance\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant must, at its own expense, provide Moneliq Limited with all reasonable assistance:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) to detect, prevent and investigate fraud or other criminal activity (including any third party investigations);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) to resolve any dispute arising under the Card Scheme Rules or in connection with an Alternative Payment Scheme or Alternative Payment Scheme Facilitator in respect of or arising out of the Agreement;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) to resolve any claim against Moneliq Limited regarding a Transaction or Alternative Payment Scheme Transaction or by a Cardholder or Account Holder or any Alternative Payment Scheme Facilitator;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iv) in accordance with any other Clause under the Agreement which expressly or impliedly requires the Merchant to co-operate or assist Moneliq Limited or any person acting on behalf of Moneliq Limited.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":4}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5. Card scheme conditions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"heading\",\"version\":1,\"tag\":\"h4\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.1 General\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) In its dealings with customers, the Merchant shall treat Transactions in exactly the same way as cash purchases including charging the same price.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant shall not:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) impose any surcharge on any Transaction if surcharging is not permitted by the Card Schemes or by any regulatory authority or Applicable Law;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) set any minimum or maximum limit on the value of a Transaction (without Moneliq Limited's prior written consent);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) impose, as a condition of Card acceptance, a requirement that the Cardholder waives their right to dispute a Transaction;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iv) allow any third party to process Transactions under the Agreement; or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(v) present to Moneliq Limited for processing any face to face transactions.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":5}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) The Merchant shall not accept any Transaction (and must not present to Moneliq Limited for processing any Transaction Data relating to any such Transaction):\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) for the collection or refinancing of an existing debt;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) for goods or services which are illegal or unlawful or may damage (or may reasonably be considered to damage) the goodwill or reputation of any Card Scheme and/or reflect adversely on any Card Scheme;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) on behalf of a third party (unless Moneliq Limited has given prior written consent to the Merchant to do so);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iv) relating to goods or services which fall outside the description of the Business (unless Moneliq Limited has given prior written consent to the Merchant to do so);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(v) which has previously been charged back to Moneliq Limited and subsequently returned to the Merchant, irrespective of any approval by the relevant Cardholder;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(vi) which the Merchant is otherwise prohibited from accepting under Applicable Law; or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(vii) which does not relate to an agreement or transaction between the Merchant and the Cardholder; or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":7},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(viii) unless it is processed through the Website(s) or such other channels of Transaction Data acquisition that have been notified to and approved by Moneliq Limited in the Application Documentation or otherwise approved by Moneliq Limited in writing.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":8}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) If Moneliq Limited becomes aware or reasonably believes that any Transaction or Transaction Data presented by the Merchant to Moneliq Limited for processing is in breach of any of Clauses 5.1(c)(i) to 5.1(c)(viii) inclusive above, then without prejudice to Moneliq Limited's other rights under the Agreement, Moneliq Limited may withhold the amount of the Transaction until it is satisfied that the Merchant is entitled to receive payment in respect of it.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(e) The Merchant may request, (but must not require) a Cardholder to provide additional identification information as a condition of Card acceptance, unless such information is required to complete the Transaction, e.g for shipping purposes or where the Card Scheme Rules specifically permit or require such information to be collected.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(f) The Merchant shall provide a complete copy of the receipt to the Cardholder for each Transaction at the time that the purchased goods are delivered or the services are performed.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(g) Moneliq Limited shall allocate a Merchant Identification Number (MID) to the Merchant, which the Merchant must use when processing all Transactions.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":7},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(h) It is the Merchant's responsibility to verify the Cardholder's address and ensure that the goods are dispatched to this address. The Merchant must not send any Transaction Data to Moneliq Limited before it dispatches the related goods. If for any reason the Merchant does not have the goods available for dispatch to the Cardholder within seven (7) calendar days of receipt of their order, then the Merchant must notify the Cardholder of that fact and ask the Cardholder to re-confirm the order, unless the Merchant has notified the Cardholder, prior to them entering into the Transaction, of the estimated date of dispatch being later than seven (7) calendar days after receipt of their order.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":8}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.2 Transaction security\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall ensure that each communication between the Merchant and each Cardholder is exclusively handled using a connection that is secured against data manipulation (for example, SSL encoding) and in accordance with industry standard protection as well as any and all requirements specified in the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant must comply with all security requirements that Moneliq Limited notifies to it from time to time for Transactions.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) The Merchant shall not, and shall ensure that its Authorised Users and customers do not, use the Website or any website in any way which might jeopardise the integrity, confidentiality or security of any Transactions, computer systems, servers or the network used by the Merchant to communicate with Moneliq Limited, or with Cardholders or other computer systems including, through disabling devices and unsolicited e-mails. The Merchant must not attack or allow anyone else to attack the Websites using a denial-of-service attack or a distributed denial-of-service attack or in any other way.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) This Clause 5.2 (Transaction Security) is without prejudice to the Merchant's obligations in Clause 17 (Use, Provision and Protection of Information).\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.3 Presentation of transactions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) For each Transaction, the Merchant shall submit Transaction Data to Moneliq Limited within three (3) Business Days from the date of the Transaction and in accordance with the Merchant Operating Guides.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The requirements for the Transaction Data relating to Transactions are set by the Card Schemes and shall be notified to the Merchant from time to time. The Merchant shall comply with changes to the requirements for Transaction Data which are notified to it from time to time.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.4 Authorisation\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall not complete a Transaction, unless authorisation from the Card Issuer for such Transaction has been received.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) If authorisation is obtained but the Transaction does not proceed immediately, the authorisation must be cancelled and the Merchant must resubmit the Transaction Data to Moneliq Limited for processing.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) If authorisation for a Transaction is refused, the Merchant must not complete the Transaction and the Merchant must not resubmit the Transaction Data for processing. If the Merchant resubmits the Transaction Data for processing and relies on any subsequent authorisation, the Merchant acknowledges and agrees that it does so at its own risk and the Merchant shall be liable to Moneliq Limited in respect of any Chargeback and/or other Losses arising from such Transaction.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) Authorisations solely to validate a Card are not permitted.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(e) Authorisation of a Transaction is not a guarantee of payment. It does not prevent Moneliq Limited from recovering a Chargeback nor other amount in respect of the Transaction as permitted under the Agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(f) The Security Code is compulsory where supported by the Card Scheme for the applicable Card. Without a valid Security Code, Transactions may not be authorised. The Merchant must not extract, retain or disclose a Cardholder's Security Code, other than for the purpose of sending Transaction Data to Moneliq Limited relating to that Cardholder's Transaction.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(g) As between the Merchant and Moneliq Limited, the onus shall be on the Merchant to prove to Moneliq Limited's satisfaction that any Transaction is authorised by the Cardholder.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":7}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.5 Refunds\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"The Merchant must ensure that each Refund to a Cardholder is made on the same Card that was used for the original Transaction. The Merchant must not issue a Refund with cash where the original purchase was made using a Card.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.6 Settlement\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) Subject to the other terms of the Agreement, including Moneliq Limited's rights in Clause 13 (Set-off, Delayed Payment and Security), Moneliq Limited shall pay to the Merchant in Euro or GBP (or in such other currencies as detailed in the Charges Schedule or as otherwise agreed in writing with Moneliq Limited from time to time) all sums due and recorded as Transaction Data relating to payment Transactions only (less any Refunds, Chargebacks, Charges and Fees, and in each case, plus any applicable VAT) that the Merchant sends to Moneliq Limited in accordance with the Agreement by crediting the Nominated Bank Account at the frequency detailed in the Reserves and Remittances Schedule or as otherwise agreed in writing with Moneliq Limited from time to time.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) Moneliq Limited shall not be liable for any delays in settlement, receipt of funds nor errors in debit and credit entries caused by any third party including any Card Scheme, Alternative Payment Scheme, Alternative Payment Scheme Facilitator or third-party financial institution.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.7 Chargebacks\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) In some circumstances a Card Issuer has the right under the Card Scheme Rules to refuse to settle a Transaction, return a Transaction or to seek a reimbursement of a Transaction which has already been settled to the Merchant (\\\"Chargeback\\\"). A Chargeback may arise even if the Transaction has been authorised. A Chargeback may also arise if the Merchant has sent Moneliq Limited information about a Transaction which is not within the scope of a Transaction but which Moneliq Limited has processed as a Transaction and/or if a Cardholder denies making a Card Not Present Transaction.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) If a Chargeback occurs in respect of a Transaction for which Moneliq Limited has not yet paid the Merchant, Moneliq Limited shall not be required to pay the Merchant for such Transaction. If a Chargeback occurs in respect of a Transaction for which Moneliq Limited has already paid the Merchant, Moneliq Limited shall immediately and without notice to the Merchant be entitled, and the Merchant shall allow Moneliq Limited, to debit the Nominated Bank Account, or to recover from the Merchant by any other means, the amount paid by Moneliq Limited to the Merchant in respect of that Transaction. Moneliq Limited's right to do this shall not be affected by any arrangement between the Merchant and a Cardholder.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) Moneliq Limited is not under any obligation to:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) notify the Merchant of any defect in any Transaction Data or other potential liability to a Chargeback except where a Chargeback is in fact made; or\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) assist the Merchant in procuring payment from a Cardholder or assist in any dispute where the relevant Transaction has been charged back to the Merchant.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) If a Chargeback arises, the Transaction Data relating to the relevant Transaction must not be re-presented by the Merchant unless Moneliq Limited gives its prior written consent.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.8 Electronic commerce transactions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) This Clause 5.8 shall apply if the Merchant: (i) has stated on the Application Documentation that it wishes to process Electronic Commerce Transactions and Moneliq Limited has agreed to this; or (ii) sends to Moneliq Limited Electronic Commerce Transactions without Moneliq Limited's prior written agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) Each Electronic Commerce Transaction must be sent to Moneliq Limited online for authorisation in accordance with Clause 5.4 (Authorisation).\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) The Merchant shall notify Moneliq Limited in writing without delay of any other websites (other than the Websites specified in the Application Documentation or which Moneliq Limited has otherwise provided its prior written consent to), which are intended to be used for processing Transactions. Such websites may only be used in connection with the Services once they have been reviewed and approved by Moneliq Limited in writing.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.9 Websites\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall clearly display and maintain on each Website the following information as required by the Card Schemes:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) a complete and accurate description of all goods and services offered for sale;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) full details of its cancellation, delivery and returns policy;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) its customer service contact details;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iv) the Transaction currency;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(v) any export or legal restrictions;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(vi) its data protection, privacy policy and security capabilities;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(vii) its security method for the transmission of Transaction Data;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":7},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(viii) confirmation that the Cardholder is committing to a Transaction before they select the \\\"pay now\\\" button, with an obvious option to cancel the payment at this point as an alternative to paying the Merchant;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":8},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ix) the address of its permanent establishment;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":9},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(x) details of any surcharging, without prejudice to Clause 4.1(b)(i) and 18.1(s);\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":10},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(xi) details of certain Card types not accepted as required under Clause 5.12(e) and the Merchant Operating Guides; and\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":11},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(xii) any other information required by Applicable Laws, the Card Scheme Rules and/or which Moneliq Limited may otherwise instruct the Merchant to display and maintain from time to time.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":12}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.10 Internet authentication\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) Moneliq Limited reserves the right to require the Merchant to undertake Transactions using Internet Authentication programmes. To enable the Merchant to participate in Internet Authentication programmes, Moneliq Limited will register the Merchant as a participant for the programmes the Merchant wishes to participate in and Moneliq Limited may issue the Merchant with security information to enable the Merchant to communicate with the Card Schemes to authenticate Transactions. The Merchant shall keep, and shall ensure that each Authorised User keeps, such security information confidential in accordance with Clause 17 (Use, Provision and Protection of Information).\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) In respect of Internet Authentication, the Merchant must:\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(i) comply with all applicable requirements in the Merchant Operating Guides;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(ii) comply with all Card Scheme Rules relating to Internet Authentication;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iii) not tamper with any messages received through the Internet Authentication process or make any attempt to alter the status of any Transaction; and\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(iv) ensure that the Merchant and each person processing Transactions on its behalf are and remain approved by each relevant Card Scheme for participation in Internet Authentication under that Card Scheme.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":1,\"type\":\"listitem\",\"version\":1,\"value\":4}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) If the Merchant accepts Card Transactions bearing the Maestro logo, the Merchant must ensure that the Websites have SecureCode fully installed, approved, tested and operational at all times.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.11 Mail/telephone transactions\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) This Clause 5.11 shall apply if the Merchant: (i) has stated on the Application Documentation that it wishes to process Mail/Telephone Transactions and Moneliq Limited has agreed to this; or (ii) sends to Moneliq Limited Mail/Telephone Transactions without Moneliq Limited's written agreement.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant shall not request Card details to be submitted by e-mail or over the internet, and then input Transactions as Card Not Present Transactions into an electronic terminal.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) Whenever presenting payment options to a Cardholder in relation to a Mail/Telephone Transactions, the Merchant must clearly disclose the information detailed in Clause 5.9(a)(i) to 5.9(a)(xii) (inclusive) above, as required by the Card Schemes.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) The Merchant shall comply with all security requirements that Moneliq Limited notifies to it from time to time for Mail/Telephone Transactions.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"5.12 Card scheme rules\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"},{\"children\":[{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(a) The Merchant shall comply with all applicable Card Scheme Rules.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":1},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(b) The Merchant acknowledges and agrees that the Card Scheme Rules give the Card Schemes certain rights to require termination or modification of the Agreement and to investigate the Merchant.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":2},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(c) The Merchant acknowledges and agrees that the Card Schemes are the sole and exclusive owners of the Card Scheme Marks, and the Merchant must not contest the ownership of such Card Scheme Marks. The Merchant must not use the Card Scheme Marks except and to the extent permitted by the Card Schemes under the Card Scheme Rules. The Merchant acknowledges and agrees that the Card Schemes may at any time immediately and without any notice prohibit the Merchant from using any or all Card Scheme Marks for any reason. The Merchant has no authority to permit the use of the Card Schemes Marks by any third party. Without limiting the foregoing, the Merchant acknowledges and agrees that 3D Secure™, MasterCard®, SecureCode™ and Verified by Visa™ are all Card Scheme Marks of Visa, MasterCard or other third parties.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":3},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(d) The Merchant is entitled to request that Moneliq Limited presents the Charges and Fees relating to the merchant service charge pricing on a MIF Plus basis, so that such Charges and Fees are broken down into interchange, Card Scheme fees and Service fees invoiced on a monthly basis. If the Merchant request this pricing basis, Moneliq Limited is entitled to charge the Merchant an additional administrative fee as set out in the Charges Schedule.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":4},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(e) The Merchant may decide not to accept certain types of Card relating to a Card Scheme. The Merchant should contact Moneliq Limited for details of which types of Card the Merchant may decide not to accept. The Merchant shall accept all other Cards relating to the relevant Card Schemes as payment for the goods and/or services it provides. If the Merchant decides not to accept certain types of Card in accordance with this Clause 5.12(e), the Merchant shall inform its customers of the Cards it does not accept in a clear and unequivocal manner whenever it presents payment options to Cardholders, including on each Website and before accepting Mail/Telephone Transactions.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":5},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(f) The Card Schemes set thresholds on the number of fraudulent Transactions and number of Chargebacks which are considered to be excessive. Without prejudice to any of Moneliq Limited's other rights under the Agreement, where the Merchant exceeds, or Moneliq Limited suspects the Merchant is going to exceed, any such threshold, Moneliq Limited will ask the Merchant to immediately explain its number of fraudulent Transactions and/or Chargebacks (as applicable) and explain the measures it is taking to reduce these. Moneliq Limited may also instruct the Merchant to take certain measures to reduce its number of fraudulent Transactions and/or Chargebacks (as applicable) and the Merchant shall comply with such instructions;\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":6},{\"children\":[{\"detail\":0,\"format\":0,\"mode\":\"normal\",\"style\":\"\",\"text\":\"(g) Moneliq Limited will report and record the outcome of the Transactions it acquires and processes in the Portal.\",\"type\":\"text\",\"version\":1}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"listitem\",\"version\":1,\"value\":7}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"list\",\"version\":1,\"listType\":\"bullet\",\"start\":1,\"tag\":\"ul\"},{\"children\":[],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"paragraph\",\"version\":1,\"textFormat\":0,\"textStyle\":\"\"}],\"direction\":\"ltr\",\"format\":\"\",\"indent\":0,\"type\":\"root\",\"version\":1}}","itemId":"b4fa8849-55d1-4343-9e61-8af01e0d140c","fieldSchemaId":"63c22b72-e223-4675-a4e6-bbd4201fc0ec"}]}}}},"slugByItemId":{"b4fa8849-55d1-4343-9e61-8af01e0d140c":"acquiring-terms"}}