Local Payment Methods (LPM) Specific Terms of Use

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Local Payment Methods ("LPM")
Specific Terms of Use

Effective as of December 1, 2024

Sofort

Sofort is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction.
The Merchant is aware that currently, Transactions with Sofort may be executed by most standard banks in the countries Austria, Belgium, Switzerland, Germany, Spain, UK, Italy, the Netherlands and Poland, or as may be changed from time to time by Sofort.
Shift4 reserves the right to offer Sofort in other countries, as well. Shift4 does not guarantee, however, that a Customer will be able to make a wire transfer from every bank account in one of the aforementioned countries or any other country. Further, Shift4 does not guarantee that Transactions which can currently be made with Sofort via individual banks or countries will continue to remain possible in the future.
Shift4 grants to the Merchant the non-exclusive, temporary and limited right for the term of the Agreement to use itself. The Merchant is obliged to integrate the software into its systems in such a way that the URL and the SSL-certificate of Sofort are recognisable and verifiable.

iDEAL

Additional Definitions: “Expiry Period” is the amount of time the Consumer is given to complete the iDEAL payment via the iDEAL issuer and is determined by the Merchant and must be between one and sixty minutes. Should the Merchant not state an Expiry Period, the iDEAL issuer will set the Expiry Period to be thirty minutes by default.
iDEAL is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction. iDEAL is restricted to use by Consumers who have been issued an online bank account that is iDEAL compatible and held at a bank based in the Netherlands. Notwithstanding any provisions to the contrary within the Agreement, guaranteed settlement of those iDEAL Transaction amounts that are technically flagged as succeeded will be made to Merchant less any applicable Fees, in accordance with the time frames stipulated within the Agreement.
Should it become apparent that Merchant is not complying with relevant laws and regulations concerning the activities it undertakes, any access to the iDEAL Payment Method may be immediately terminated with immediate effect.
Merchant shall ensure that an effective complaints procedure is provided to Consumers, under which a Merchant can be easily contacted by e-mail and one other means of direct contact (such as a telephone number, chat box, or other medium). The Merchant must make the information about the complaints procedure easily available to Consumers, and make it easy for Consumers to find on the respective website.
It is not permitted to offer the iDEAL Payment Method via e-mail link services, unless Merchant receives written confirmation in advance from Shift4.
Merchant must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL Payment Method, as may be notified by Shift4, from time to time.
Merchant must verify the status of an iDEAL Transaction with Shift4 prior to supplying products or services.
In the event of a breach of contract or fraud (actual or suspected) by Merchant, Shift4 may be obliged to take specific emergency measures including but not limited to termination of iDEAL services with immediate effect.
Merchant must request from Shift4 a copy of the iDEAL Merchant Integration Guide (MIG) and must adhere to the terms and conditions for iDEAL contained therein, including the use of the iDEAL logo.
Merchant is not permitted to remove any issuers from the issuer list.
Where at Shift4's sole discretion, a Merchant is deemed to be high risk, Shift4 reserves the right to immediately terminate the Agreement.

paysafecard

General:

Payment Type	Prepaid Voucher
Chargeback Risk	No
Refund possibility	N/A
Transaction minimum	EUR 0.01 per Transaction
Transaction maximum	EUR 1000.00 (or equivalent) per my paysacard Transaction, for classic PIN Transactions see Specific Terms
Specific Prohibited Goods and Services	In addition to any prohibited goods or services: Anonymization services; Weapons, accessories or similar; Tobacco products; Gaming bots; X-rated services and products; unlicensed financial products and services

Specific Terms:

paysafecard is a prepaid voucher solution that enables Consumers to pay for the purchase of goods or services using stored value on the prepaid voucher and can be bought online or at physical points of sale.
The Merchant must ensure that the possessor of a paysafecard voucher, i.e. the person who physically holds the vouchers (the “Card Holder”) can use no more than a maximum amount of EUR 1,000.00 with up to ten cards per Transaction.
In addition, the Merchant must ensure that it complies at all times with applicable anti-money laundering regulations.
Upon request from Shift4, the Merchant must provide to Shift4 data regarding individual paysafe card Transactions and any related personal information regarding the Customer that initiated such Transactions including name, date of birth, personal address, identity and address documentation of the Customer.
The Merchant must comply with respective statutory regulations, in particular to an necessary obligations pursuant to AML-monitoring and notification duties.
Sole proprietorships are not permitted to register themselves as Merchants for the purpose of distribution of paysafecards or acceptance of paysafecard as a means of payment. Each Merchant that wishes to distribute paysafecards or otherwise offer or accept paysafecard as a means of payment, must at a minimum be registered as a tradesperson in a public commercial register, registered for VAT and hold all relevant licenses and/or permits required for their trade.
A paysafecard Transaction is made in two steps: first, the Cardholder makes a reservation (disposition), following which an irrevocable debit takes place. The period between the disposition and the debit is referred to as a “Disposition Period” and is limited to a maximum of one hour. Within the Disposition Period, the Merchant must request the debit otherwise, the reservation is released again for the benefit of the Card Holder.
Data entered by the Card Holder will be verified and in case insufficient funds are determined, i.e. if the credit allocated to the paysafecard is not sufficient to purchase the goods or services, the Card Holder will be notified accordingly and the entire Transaction will be cancelled.
If the Merchant provided goods or services to paysafecard Card Holders without booking the paysafecard Transaction beforehand, Shift4 is entitled to refuse any related settlement payments to the Merchant.
If the Card Holder exercises any cancellation right with regards to the purchase of goods or services from the Merchant, this may only affect the underlying payment and/or booking process within the time constraints of the Disposition Period. If the amount disposed by the Card Holder has already been debited in Shift4's transaction system, a chargeback will not be possible.
Transaction limits for classic PIN Transactions:

Country	Currency	Single and multiple PINs Transaction limits
Argentina	ARS	4,000
Austria, Spain	EUR	50
Australia	AUD	200
Belgium, Cyprus, Finland, France, Ireland, Italy, Latvia, Lithuania,	EUR	250
Luxembourg, Malta, Netherlands, Slovakia, Slovenia	EUR	250
Brazil	BRL	2,000
Bulgaria	BGN	90
Canada	CAD	400
Croatia	HRK	2,000
Czech Republic	CZK	6,000
Denmark	DKK	2,000
Georgia	GEL	350
Germany*	EUR	100
Gibraltar, United Kingdom	GBP	200
Greece	EUR	N/A - my paysafecard mandatory
Hungary	HUF	100,000
Kuwait	KWD	120

giropay

General:

Payment Type	Real-time Bank Transfer
Chargeback Risk	No
Refund Possibility	Yes
Transaction minimum	EUR 1.00 per Transaction
Transaction maximum	N/A
Specific Prohibited Goods and Services	In addition to any prohibited goods or services listed in Chapter 2, section 10.k (as specified in Appendix 1): Payment instruments (cash, savings or e-money, currencies including virtual currencies such as bitcoins, as well as checks) as far as the recipient of the payment instrument can't be identified by the acquirer or Merchant, except vouchers or stored value products

Specific Terms:

giropay is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction. Information on the beneficiary of a payment Transaction and the intended use of a Transaction is automatically entered into the online banking mask of the Customer.
giropay is restricted to Customers with access to an online banking compatible account held at an authorised credit institution based in Germany.
The Merchant must request from Shift4 a copy of the giropay Rules and Regulations and the giropay Brand Book and must ensure that it (and where applicable its Merchants) adhere to the terms and conditions for giropay contained therein, including the use of the giropay logo which is limited to the European region.
giropay offers a special guarantee inform of an abstract promissory note meaning that the Merchant is not only provided with a confirmation statement concerning the completion of the online transfer, but a positive confirmation statement is combined with a guarantee issued by the giropay participating banks as an abstract promissory note.
The payment guarantees are in each case limited to an amount of EUR 10,000.00 per Transaction, even if the Transaction executed is for a higher amount.
The Merchant shall report any events that require reliance on the giropay guarantee to Shift4 without delay.
The Merchant’s claims resulting from the giropay payment guarantee expire 6 weeks after receipt of a positive bank transfer confirmation.
After selecting giropay as the payment method it is prohibited to request the Customer’s data, in particular personal data such as IBAN or names.

MyBank

General:

Payment Type	Real-time Bank Transfer
Chargeback Risk	No
Refund possibility	Yes
Transaction minimum	N/A
Transaction Maximum	N/A
Specific Prohibited Goods and Services	In addition to those prohibited goods and services listed in Chapter 2, section 10.k (as specified in Appendix 1): Activities which could be punishable as endangerment of minors, pedophilia, pornography, for infringement of works protected by intellectual property rights and means of payment, the non-compliance with the protection of personal data, with systems automated data processing, acts of money laundering, non-compliance relating to gambling and betting, horse racing, lotteries and provisions relating to conditions of exercise of regulated professions

Specific Terms:

MyBank is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction. It allows the Merchant to exchange information in real time through trusted parties to provide each other with the necessary level of trust and certainty that a payment has been initiated or that a valid mandate has been sent.
The Merchant recognizes being informed about the effects of the e-authorisation result:
1. An e-authorisation result shall constitute a factual confirmation of the bank of the Customer.
  The Merchant shall not have any claims, benefits or rights against Shift4 in connection with the MyBank Solution, and Shift4 shall in
2. particular have no liability to the Merchant arising out of or in connection with the use of the MyBank Solution. The Merchant acknowledges that MyBank is not a guaranteed Payment Method.
The Merchant shall not use the MyBank Logo and additional intellectual property rights, if any, without the prior written consent of Shift4. If the Merchant has received the prior written consent of Shift4, Shift4 reserves the right – on providing written notice to the Merchant – to revoke such license if the Merchant attempt to use the MyBank Logo in an unauthorised manner, in a manner that is not intended or allowed, or in significant contravention of the requirements set forth in the MyBank Style Guide for Businesses found at the following website https://mybank.eu/en/logos-and-guidelines/ In addition, Shift4 reserves the right to terminate any sub license granted if the Merchant does not comply with applicable law on e-commerce and online services as well as any applicable law relating to distance selling, online commercial communications and the liability of intermediary internet service providers.

Trustly

General:

Payment Type	Real-time Bank Transfer
Chargeback Risk	No (once the money is settled in the Merchant account)
Refund possibility	Yes
Transaction minimum	Subject to conditions imposed by the Customers bank (usually EUR 0.01 per Transaction)
Transaction maximum	Subject to conditions imposed by the Customers bank
Specific prohibited Goods and Services	In addition to those prohibited goods and services listed in Chapter 2, section 10.k (as specified in Appendix 1): Money remittance where the Merchant does not hold a valid bank license in accordance with local requirements from applicable authorities; Shell banks as defined under FATF recommendations; asset-holding vehicles like trusts, foundations (apart from charity foundations), private wealth management structures; Adult entertainment (businesses where revenue is gained in part or whole from explicitly sexual material, including, but not limited to content (images and other media)) and escort services; Marijuana dispensaries and related businesses; Pseudo-pharmaceuticals; Illegal drugs and drugs paraphernalia; Weapons and munition (ammo, equipment, explosives) except for sports, antiques or collectors items; Pyramid selling, Ponzi schemes or other get rich quick schemes; Fortune tellers, mediums and other services speculating around supernatural phenomena; Distributing of items protected by copyright law (licensed software, file sharing, music, etc.) without a valid license/authorisation in place in the form of an IPR statement; Computer (including remote) tech support/performance optimisation/virus removal solutions (sellers/authorised resellers of downloadable and installable antivirus software fall outside of scope of this prohibition); Nazi and fascist memorabilia and militaria (both replicas and original artefacts) excluding auction houses (as it is assumed that those are acting clearly for needs of collectors), and marketplaces (as it is assumed that those have relevant policies and content controls in place)

Trustly is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction.
The Merchant is obliged to expose Trustly’s logotype(s)/trademark(s) in an appealing and appropriate manner and in accordance with the applicable service presentation requirements as set out at https://developers.trustly.com/emea/docs/service-presentation
The Merchant is aware, that
1. the Trustly service is dependent on the full functionality of third-party systems, primarily banks, and that Trustly does not guarantee the functionality of its service in the event of failures, malfunctions or adjustments within such third-party systems; and
2. transaction speeds may be affected in the event of significant peaks of transaction volumes initiated under a short period of time or during planned maintenance of the Trustly service and neither Shift4 nor Trustly do assume any liability in case of the Merchant suffering any damage due to non-functionality of such third-party systems or during significant peaks of transaction volumes or during planned maintenance.

Econtext (PayEasy/Konbini)

Payment Type	Cash payment, convenience stores (Konbini), Pay-easy (ATM), online banking
Refund possibility	N/A
Transaction minimum	JPY 1.00
Transaction maximum	JPY 10,000 (ATM w/o cash card)
Specific Prohibited Goods and Services	In addition to those prohibited goods and services listed in Chapter 2, section 10.k (as specified in Appendix 1): Products or services which are to be performed or delivered by a third party; products or services which are outside the Merchants ordinary course of business; gambling; loans or an extension of a loan or any other financial services; obscene, pornographic, unlawful products or services or products or services connected thereto; products or services which are or are connected to instructions for the production of weapons or explosives; pharmaceuticals (other than supplement); adult

Przelewy24 (P24)

General:

Transaction minimum	PLN 0.05 per Transaction
Transaction maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k (as specified in Appendix 1)

Specific Terms:

Przelewy24 is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction.
Merchant shall submit any Consumer complaints pertaining to incorrectly executed Transactions directly Shift4, who will thereafter forward the matter to Pzrelewy24 Payment Scheme for investigation.
In relation to such complaints, Merchant is obliged to ensure the following details are collected from the Customer:
1. E-mail address;
2. Transaction number;
3. Transaction amount;
4. Full name of the holder of the originating bank account from which the Transaction amount was to be transferred;
5. Name of the bank that holds the account from which the Transaction amount was to be transferred or to which the Transaction was transferred to as applicable;
6. Transaction date; and
7. In the case of payment from a card: the name of the card;
8. In the case of an SMS payment: the Customer's mobile telephone number

Notwithstanding the foregoing, any complaints pertaining to Transactions made 90 or more days prior to such complaint may be refused for review by the Przelewy24 Payment Scheme

Bancontact

General

Payment Type	Debit Card
Chargeback Risk	No
Refund possibility	Yes
Transaction minimum	EUR 0.01 per Transaction
Transaction maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k

Specific Terms:

Bancontact is a debit card Payment Method, whereby a debit card is issued by an authorised credit institution and allows Customers to directly pay for goods and services from their bank accounts.
The Merchant is aware that the execution of the transfer as well as the possibility of a Customer to cancel or revoke a transfer are contingent upon the then current terms and conditions of the respective Customer’s bank.
The Merchant acknowledges that although Bancontact payment Transactions can be executed from Customer accounts established with most banks in Belgium, there is no guarantee that a Customer will be able to make an online bank transfer from every bank account in Belgium using Bancontact.

BLIK

General:

Payment Type	Real-time Transfer
Chargeback Risk	Yes
Refund possibility	Yes
Transaction minimum	PLN 0.01 per Transaction
Transaction maximum	PLN 10,000 per Transaction
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k

Specific Terms:

BLIK is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction.
The Merchant must, prominently display on its website or device as applicable, the BLIK name or Trademarks in a manner consistent with the BLIK Brand Book, which shall be provided upon request
The Merchant is aware that BLIK has an established complaints process for complaints raised and that failure to comply with the timelines and requirements to provide information/documents can result in liability and fees. The complaints process is as follows:
1. Complaints or other reports registered with BLIK (by a Customer or a Merchant) shall be examined by it and any further exploratory actions aimed at examining the complaint undertaken.
2. BLIK will charge a complaint handling fee, that shall be payable by the Merchant that caused the occurrence of the event that served as the basis for the complaint to be lodged.
3. Shift4 will advise the Merchant of the outcome of the complaint.
4. In case additional information is necessary, BLIK reserves the right to request the relevant Merchant to send the required details to BLIK.
5. Said Merchant is obliged to provide BLIK with all available materials required to process a complaint inquiry within a period of time not exceeding 5 calendar days from the date of receipt of the notification indicating such a necessity. In the case when the Merchant is not able to send the required materials within 5 calendar days for reasons beyond their control, it is required to notify Shift4 of the occurrence of such a situation as soon as possible.
6. A delayed delivery of documents or the failure to provide them may result in a settlement of the complaint against the Merchant that failed to provide the documents.
7. If the complaint has been declined by BLIK, the Merchant shall have the right to ask for additional documentation serving the grounds and reasons for the decision to decline such a complaint.
8. In the case of the complaint lodged by a Customer in respect of a specific transaction, an unconditional refund of the amount of such a transaction shall be issued for the benefit of the bank of the Customer that authorised that transaction, unless the bank of the Customer carried out the authorisation in relation to a given transaction, including the confirmation of that transaction by the Customer.
9. The refund of the amount as referred to in the preceding section (h) is conducted by means of revocation of the transaction by BLIK.

eps

General:

Payment Type	Real-time Bank Transfer
Chargeback Risk	No
Refund possibility	Yes
Transaction minimum	EUR 1.00 per Transaction
Transaction maximum	N/A
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k

Specific Terms:

eps is a bank transfer Payment Method where the Merchant receives a real time confirmation of the Transaction. It is facilitated by eps participating banks. eps offers a special guarantee inform of an abstract promissory note meaning that the Merchant is not only provided with a confirmation statement concerning the completion of the online transfer, but a positive confirmation statement is combined with a guarantee issued by the eps participating banks as an abstract promissory note. A positive confirmation statement is combined with a payment guarantee issued by the eps participating banks as an abstract promissory note. A guarantee event occurs if a positive bank transfer confirmation is received by the Merchant even if a eps bank transfer order is not carried out.
Merchants operating a gaming platform, are obliged to strictly comply with the relevant provisions of the Austrian Gaming Act and shall only accept or transfer funds for games of chance if this is legally permitted under the laws of Austria. The Merchant acknowledges and confirms that it is aware that any violation of provision of the Terms of Use may be subject to fines by the respective Austrian authorities for which the Merchant shall remain solely liable for at all times.
Should claims be asserted against Shift4 by third parties due to the infringement or non-compliance of the eps Terms of Use by the Merchant, the merchant indemnifies Shift4 from all associated fines, costs, damages and compensation payments and if so requested by Shift4 will intervene and substitute itself in place of Shift4 in any proceedings that may be brought against Shift4.

Multibanco Network Services (Multibanco and MB WAY)

General:

Payment Type	Multibanco: Real-time Bank Transfer and ATM MB WAY: Wallet
Chargeback Risk	Multibanco: No MB WAY: No
Refund possibility	Multibanco: Yes MB WAY: Yes
Transaction minimum	Multibanco: N/A MB WAY: N/A
Transaction maximum	Multibanco: EUR 99,999.99 per Transaction MB WAY: depend on the bank and user limit
Specific Prohibited Goods and Services	None other than those prohibited goods and services listed in Chapter 2, section 10.k

Specific Terms:

The Multibanco Network Services consist of Multibanco and MBWAY offered by the scheme owner SIBS Forward Payment Solutions, S.A. (“SIBS FPS”) and restricted to Customers in Portugal. Multibanco offers two alternatives for payments: one is a bank transfer via the Customer´s online banking portal, the other alternative is cash payment at the ATM´s of various Portuguese bank branches. The MBWAY Payment Method is made available by SIBS FPS through the association of a card with one or more aliases (mobile phone number, e-mail address, or others that may be considered appropriate by SIBS FPS), and allows for the execution of certain transactions through an interface developed by SIBS FPS.
The Merchant, shall not engage in any of the following:
1. reproduce or replicate, by any means or form, any services or transactions provided through the MULTIBANCO NETWORK SERVICES that are property of the scheme owner;
2. remove any copyright, trademark or industrial property notice from SIBS FPS in relation to any service provided within the scope of the MULTIBANCO NETWORK SERVICES;
3. distribute, provide to third parties, demonstrate, sell, licence or transmit, through any form or means, the services of the MULTIBANCO NETWORK SERVICES to any third party for any purpose other than those provided for in the agreement, these terms of use or as expressly authorised by SIBS FPS;
4. use the MULTIBANCO NETWORK SERVICES for any purpose other than their immediate availability to users, and in accordance with the established rules.
The Merchant is not permitted to offer the Multibanco Network Services to Merchants operating in the following countries: Albania, Cayman Islands, Palau, Senegal, South Sudan,

Appendix 1 – Section 2 – 10.k – Specific Prohibited Goods and Services

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

i. that are not provided on the Merchant’s own account;

ii. that are not provided within the scope of the normal business operation of the Merchant as provided for in the Merchant Registration Form;

iii. that are prohibited as set out either below or within any respective Specific Terms of a Payment Method;

iv. Payment Methods are not permitted to be offered, used or otherwise made available for any of the following categories of business:

1. Illegal products and services, or products and services prohibited by applicable laws:

Business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property;
Business or organization that engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
Counterfeit or unauthorized goods;
Drugs and narcotics;
Get-rich-quick schemes or pyramid schemes;
Human or animal bodies or organs;
Intellectual property or proprietary rights infringement;
Nazi-branded products, Nazi content and articles;
No-value-added websites, including websites which employ unfair, deceptive or predatory sales practices;
Pay-to-remove sites or defamatory publications;
Racist, sexist, misogynistic or otherwise abusive products and content;
Radioactive, toxic, flammable, corrosive or other types of hazardous materials;

2. Regulated goods and services (including products and services falling under general regulations, jurisdictional- and/or age-restrictions):

Alcohol and alcoholic beverages;
Archaeological findings and items;
CBD and hemp products;
Online pharmacies, prescription drugs;
Fireworks and related products;
Live animals;
Pornography and other obscene materials; sites offering sexually-related services such as prostitution, escorts, adult live chats, etc.;
Precious metals and stones;
Substances designed to mimic illegal drugs;
Tobacco, e-cigarettes, e-liquid and related products;
Weapons, ammunition and related products;

3. Specialized financial or legal products or services:

Bail bonds;
Bankruptcy lawyers;
Binary options;
Credit, loans, short-term lending and other lending instruments;
Debt collection;
and Law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm;
Wealth management;

4. Miscellaneous

Psychic or fortune-teller services;
Pyrotechnic devices and supplies;
Telemarketing;
Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity that is prohibited by the terms and conditions of the respective platform