Вход в личный кабинет

Rules imposed by International Payment Systems and Second-tier Banks on the procedure for providing payment services for Organizations and Companys.

1.1 The Organization may:

Unilaterally and immediately refuse to fulfill the obligations established by the Public Offer if any actions or inactions of the Company cause (or create the possibility of causing) damage/harm to the business reputation of any of the IPS. In this case, the Organization shall notify the Company of the termination of the Offer for the provision of payment services in the Freedom Pay system within 3 (three) business days following the day of making such a decision.
Disclose to the IPS information about the Company received in accordance with the terms of the Public Offer.
Prevent transfer or withhold from subsequent Payments the amounts of transactions that have become or that may become the subject of any disputes and disagreements in accordance with the IPS rules.

The Company shall:
When IPS/Bank/Organization/law enforcement agencies/third parties engaged by the Bank/IPS/Organization investigates a crime/offense related to the performance of Transactions, the Company undertakes to provide the aforementioned entities (upon their request) with the documents and/or information requested, and to cooperate with them to achieve the declared goals. The scope and content of the information/documents transferred by the Company under this clause to the third parties specified in this clause shall be preliminary agreed with the Organization, except for cases when the provision of such information/documents is required in accordance with the legislation of the Republic of Kazakhstan.
Not send a request for Transaction Authorization, and not send a payment document for the Transaction or otherwise initiate the Transaction if it was previously disputed by the Bank/IPS/Issuing Bank/Organization/Cardholder and/or a refusal to carry it out/Reimburse was received.
Not sell goods, works and/or services prohibited from circulation in the territory of the Republic of Kazakhstan and/or the country of the Issuing Bank in accordance with the applicable legislation, as well as the IPS rules, and not perform Transactions, which are prohibited in accordance with the legislation of the Republic of Kazakhstan and/or the Issuing Bank and/or the IPS rules.
Apply measures to combat fraud and not carry out Fraudulent Transactions, as well as Transactions unauthorized by the Cardholder in the manner prescribed by the legislation of the Republic of Kazakhstan and/or the IPS rules and/or the Public Offer.
Store for 5 (five) years from the date of the Transaction and provide the following information and documents, upon written request of the Organization, within 2 (two) business days following the day of receipt of the said request:

- information specified by the Cardholder when placing an Order/making a Card Transfer (except for information about CVC2 or CVV2, which cannot be received/stored by the Company);
- date of the Payment Transaction/Card Transfer, date of delivery (transfer) of the Goods (Services) to the Cardholder;
- description of the Goods (Services) purchased by the Cardholder;
- delivery address specified by the Cardholder and full name of the Goods/Services recipient;
- number and amount of the Order/CASOUT Request, as well as the Authorization Code;
- copies of documents confirming the fact of dispatch, receipt (provision) of the Goods (Services) by the Cardholder.
Failure to submit documents at the Organization’s request within the specified time shall constitute grounds for the Organization to present a claim to the Company for reimbursement to the Organization of the amounts of the Transactions for which the Organization made a request to the Company;

Under no circumstances collect or process information about the CVC2 and/or CVV2 of the Cardholders' Payment Cards, or use information about the Payment Card number for purposes not related to the performance of the Transaction.
Not perform Transactions for the purpose of providing the Cardholder with cash in exchange for non-cash funds received from him, or for the purpose of paying off the debt incurred by the Cardholder to the Company as a result of providing him with a cash loan or a trade loan.
Not perform separately Transactions for payment of the Goods/Services and Transactions for payment of taxes levied on the income received by the Company from the sale/provision of these Goods/Services. Transactions performed to pay for the Goods/Services shall indicate the amount of tax levied on the income received by the Company from the sale/provision of these Goods/Services.
Not try in any way to release themselves from financial liability for disputing completed transactions and not try to shift it to the payment card holders by obtaining their consent to waive their rights to dispute completed transactions.
When gaining access to the data of Cardholders, comply with the security requirements of PCI DSS and/or IPS. In this case, the Company undertakes to immediately notify the Organization if it has involved (will involve) third parties who will have access to the data of Cardholders. If the Company gains access to the data of Cardholders, the Company undertakes to provide the corresponding certificate of the Company’s compliance with the security requirements of PCI DSS and/or IPS on a quarterly basis or at the request of the Organization/Bank and/or IPS. The Company undertakes to obtain and maintain the third parties’ consent to disclose to the Bank and/or IPS information about third parties, if they receive the data of Cardholders.
Properly comply with the requirements for the Company's Online Store, comply with the requirements for prohibited activities, as well as the list of documents required to be submitted to the Organization and the Bank in the event of disputed transactions, as defined in Appendix No. 4 hereto for the provision of payment services in the Freedom Pay system.
Not use the System in any activity, including but not limited to entrepreneurial activity that violates the applicable legislation of the Republic of Kazakhstan and/or the IPS rules.
Provide the Organization with supporting documents on the delivery of Goods and/or provision of Services upon the first written request from the Organization within 2 (two) business days from the date of receipt of such a request.
Reimburse the Organization for losses incurred related to fines and other deductions caused by the Company's violation of the IPS Rules, as well as expenses related to the Company's violation of the IPS Rules, which resulted in fines and other deductions.
In the event of an erroneous transfer by the Organization to the Company's account of funds that are not subject to transfer within the framework of payment services, within 1 (one) business day from the date of receipt of the Organization's written notice of the erroneous transfer, return the specified funds to the Organization by transferring them to the details provided by the Organization in the relevant notice.
Connect to the Internet Payment System of the Organization only those websites that have been agreed upon with the Organization. The Company shall be responsible for and undertakes to independently monitor the compliance of the rights and grounds for connecting the websites to the Organization's System within the framework of the applicable legislation of the Republic of Kazakhstan and the IPS rules, both at the time of their connection and during the operation of the websites, regardless of their prior approval with the Organization. If any Website is connected to the Internet Payment System of the Organization that was not agreed upon with the Organization or any such a Website is connected that violates the IPS rules, the Company shall bear full responsibility and give unconditional consent to the unaccepted withholding of amounts of money subject to transfer to the Company’s account and/or cover the invoice issued by the Organization.
Immediately inform the Organization of cases of compromise (or suspicions of compromise) of information regarding the card details and Payments made using them through the System of the Organization that become known to the Company.
Independently resolve Payers' claims addressed to Sellers in the event of a Payer's claim are initiated for receiving substandard and/or incomplete Goods, and/or Goods that do not correspond to the stated characteristics or description, or if the Goods are not delivered within the specified terms, as well as in cases of non-performance and/or improper performance of Services/Works, without involving the Organization in the return procedure, unless otherwise established by agreement of the Parties and/or the legislation of the Republic of Kazakhstan.

Chargeback, refunds to the Payer.

If the Organization/Bank receives a request for Chargeback, the Organization shall submit a written request (in hard or electronic form) to the Company to provide documents confirming the fulfillment of obligations to supply goods/works/services.
The Company shall provide the Organization with the documents requested by the Organization within 2 (two) business days from the date of receipt of such a request.
If the Company does not provide the documents required for submission to the Organization/Bank in accordance with clause 2.6.1-2.6.2, or in the event of failure to submit them within the period specified in clause 2.6.2, or in the event that the Company agrees with the fact of non-fulfillment or improper fulfillment by the Company of its obligations to the Payer, or in the event that the Transaction is indisputably recognized by the IPS/Bank as fraudulent, the Organization, at its own expense, shall return the Transaction amount subject to return to the Payer, and subsequently withhold this amount from the funds subject to transfer to the Company's account. The Company hereby expresses its consent to the withholding by the Organization of the Transaction amount to be returned by the Organization or the Bank to the Payer from the funds subject to transfer to the Company's account.
Crediting the funds for Transactions to the Company's account by the Organization does not mean final and indisputable recognition of the authorization of such Transactions. Such Transactions may be recognized as unauthorized in accordance with the legislation of the Republic of Kazakhstan, the Public Offer and/or the IPS rules. The Company hereby assumes all risks associated with the possible recognition of the Transaction as fraudulent and undertakes to unconditionally return the funds to the Organization in the event that the Organization receives relevant Chargeback request.
If the Bank or the Organization identifies Transactions, the sanctioned nature of which arouses suspicion in the Bank or the Organization, the Organization may suspend transfer of Payments for goods/works/services in the Company's Online Store using cards through the Organization's Internet Payment System and the crediting of funds to the Company's account for such Transactions. The crediting of funds will be suspended for the period of investigation of the sanctioned nature of the Transactions, but not more than 180 (one hundred eighty) calendar days from the date of such a Transaction.
In the event that the IPS recognizes the unauthorized nature of Transactions prior to the assignment of IPS sanctions to the Bank and the Organization, the Organization shall be entitled, in order to ensure execution, exclude transfer of amounts to the Company's account for unauthorized Transactions.
If, prior to the expiration of the periods stipulated by the IPS requirements for the assignment of sanctions for Transactions, such sanctions shall be assigned, and the Organization shall reimburse the IPS for the amounts of unauthorized Transactions at the expense of the Company.
If, upon expiration of the periods stipulated by the IPS requirements for the assignment of sanctions for Transactions, such sanctions are not assigned to the Organization, or if the IPS recognizes the sanctioned nature of Transactions, the amounts for which are withheld by the Organization in accordance with.
If the number of fraudulent and invalid transactions in favor of the Company at any given time exceeds 1% of the total number/volume of transactions made in favor of the Company, the Organization may suspend and/or stop processing all the Company’s transactions (including crediting funds to the accounts of the Company) for a period established by the relevant Payment System applicable to the Transaction being disputed.
If information is reflected in the IPS reports on suspicious card transactions and/or if the amount of Chargeback for the Company's transactions exceeds 1% of the amount of all transactions of the Company for the previous month, the Organization may stop processing the Company's transactions, including crediting funds to the Company’s account.
The provisions herein shall constitute an integral part of the Public Offer for the provision of payment services in the Freedom Pay System and shall be subject to mandatory application upon the Company’s accession to the terms of the Public Offer.