PayPal Alternative Payment Methods Terms
These terms and conditions (“Terms”) are a contract between you and PayPal Payments (Beijing) Co., Ltd., a company of the People’s Republic of China, (“PPCN”, “we” or “us”) and govern your use of APM functionality, as set out below, which may be available to you as part of the PayPal Services.
About these Terms
These Terms apply to your use of any aspect of our APM functionality.
For your reference:
- APM functionality is functionality provided by us which, if integrated into your online checkout, enables your customer to select and use any alternative payment method (APM)(as we may allow from time to time) to pay you; and
- an alternative payment method (APM) is any payment method listed in Annex 1 of these Terms, which we may allow anybody without a PayPal account to use to send a payment, through PayPal Affiliates and/or PayPal Service Providers, to your PayPal Account, being the PayPal Account referred to in the User Agreement for PayPal Services between you and PPCN (“User Agreement”), subject to these Terms.
These Terms are in addition to the User Agreement and its incorporated policies, including the Acceptable Use Policy and Privacy Statement which are referred to in the User Agreement. Unless the context requires otherwise, capitalised words which are not defined in these Terms have the meaning given to them in the User Agreement. To the greatest extent possible, these Terms and the User Agreement are to be interpreted as a consistent whole. Where a conflict of interpretation arises, these Terms shall override the User Agreement to the extent of the conflict.
The definition of PayPal Services in the User Agreement, when read together with these Terms, includes our APM functionality.
Accepting these Terms
You agree to these Terms by integrating our APM functionality into your online checkout.
If you integrate our APM functionality for the account of another person or legal entity:
- you confirm that you have the permission of that other person or legal entity to legally bind them to these Terms for and on their behalf; and
- that other person or legal entity will be legally bound by these Terms instead of you.
Using APM functionality
When you integrate our APM functionality into your online checkout, we may (but are not obliged to) allow anybody to use an APM to pay you.
Annex 1 of these Terms lists each APM which we may make available to your customers from time to time and further provisions relating to your receipt of payments from customers using that APM. You must comply with those provisions at all times.
As the payer does not use a PayPal account to send an APM payment, you may not use PayPal Services to proactively refund APM payments, unless otherwise stated in Annex 1 of these Terms.
You may only receive APM payments in RMB.
You may use our APM functionality only with your PayPal Account, being a business account.
No additional percentage-based Cross Border Fee applies to any APM transaction.
Your liability to us
We may treat the APM providers and the payment processors which help us to enable you to receive APM payments in the same way as we treat our bank/card acquirers, other payment processors and/or other PayPal Service Providers under the User Agreement.
APM payments are at risk of reversals by the APM provider unless otherwise stated in Annex 1 of these Terms. Your obligations and liability towards us for these reversals are the same as those you have towards us for reversals and/or chargebacks under the User Agreement. The APM provider may influence the reversal of an APM payment in the same way as the payer’s bank may influence a reversal and/or the payer’s card company may influence a chargeback.
After termination of these Terms you will continue to be liable to us under these Terms for reversals of APM payments by the APM providers and all your outstanding obligations arising from your use of the APM functionality prior to termination.
Changes and termination
We may add to or remove from the list of APMs/APM providers in Annex 1 of these Terms at any time and without notice to you.
We may also amend, delete or add to these Terms in line with the change process set out in the User Agreement. If you do not agree with any change, you may terminate these Terms.
You may terminate these Terms at any time by removing our APM functionality from your online checkout and following any other integration-related steps which PPCN may make available to you from time to time. This enables you to stop allowing your customers to use an APM to pay you, but otherwise your PayPal Account remains open and the User Agreement remains in effect.
We may, at any time, for any reason and (where possible) with reasonable prior notice, terminate, cancel or suspend the PayPal Services to the extent they relate to our APM functionality and/or APMs without liability towards you.
These Terms survive any termination to the extent and for so long as we are required to: (i) deal with matters arising from your use of the APM functionality prior to termination; and/or (ii) comply with applicable laws and regulations.
Annex 1
APMs | |
Bancontact | |
Payment Type | Debit Card Bancontact is a debit card payment method, whereby a debit card is issued by an authorised credit institution, which allows customers to directly pay for goods and services from their bank accounts. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | €1.00 per transaction |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | N/A |
BLIK | |
Payment Type | Real-time Bank Transfer BLIK is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund Possibility | Yes |
Transaction Minimum | PLN 0.01 per transaction |
Transaction Maximum | PLN 10,000.00 per transaction |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | You must prominently display, on your website or device as applicable, the BLIK name or trademarks in a manner consistent with the BLIK Brand Book. |
EPS | |
Payment Type | Real-time Bank Transfer EPS is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. EPS is facilitated by EPS participating banks. |
Chargeback Risk | No |
Payment Guarantee | Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your PayPal Account and the funds cannot be revoked, subject further to these Terms and the User Agreement and your compliance with them. |
Refund possibility | Yes |
Transaction minimum | €1.00 per transaction |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | You shall report any events that require reliance on the EPS Payment Guarantee to PPCN without delay. |
Finnish (Verkkopankki) | |
Payment Type | Real-time Bank Transfer Finnish Online Bank Transfer is a bank transfer payment method. Recipients can receive real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | EUR 0.65 per transaction |
Transaction maximum | EUR 20,000.00 per transaction |
Specific Prohibited Goods and Services | In addition to those prohibited goods and services listed in the User Agreement: illegal gambling; prostitution; counterfeit goods; product piracy; illegal sale or distribution of tobacco products or pornography or the depiction of severe violent acts; Nordea Bank does not allow loading of wallets or prepaid products |
Supplemental Terms | 1. You shall provide all necessary data in compliance with specifications provided by PPCN or any PayPal Affiliate. Failure to comply with the specifications for data delivery may result in a delay, suspension or cancellation of processing of effected sales. 2. You shall compensate PPCN and PayPal Affiliates for the reasonable expenses they incur upon a dispute arising with regard to a transaction should PPCN or any PayPal Affiliate actively be involved in mediation or other similar proceedings between a customer and you. 3. The maximum limit of the liability is the lower of: (i) the invoiced amount of the sale (sale of products or services by you to the customer) to which the damages directly relate; and (ii) 1000 EUR. However, the total aggregate liability may not exceed 5000 EUR. These limitations do not apply if the damages have been caused by willful action or gross negligence. |
Giropay | |
Payment Type | Real-time Bank Transfer Giropay is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your PayPal Account and the funds cannot be revoked, subject further to these Terms and the User Agreement and your compliance with them. |
Refund possibility | Yes |
Transaction minimum | €1.00 per transaction |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | In addition to any prohibited goods or services set out within the User Agreement: Payment instruments (cash, savings or e-money, currencies including virtual currencies such as bitcoins, as well as cheques) as far as the recipient of the payment instrument can’t be identified by you, except vouchers or stored value products. |
Supplemental Terms | 1. Giropay is restricted to customers with access to an online banking compatible account held at an authorised credit institution based in Germany. Neither PPCN nor any PayPal Affiliate guarantees that all German bank accounts are giropay compatible. 2. You must adhere to all terms and conditions of the giropay Rules and Regulations including the use of the giropay logo which is limited to the European region. 3. In using giropay as the payment method, you shall not request any customer data, in particular personal data such as IBAN or names. 4. The giropay Payment Guarantee is limited to EUR10,000 per transaction. 5. You shall report any events that require reliance on the giropay Payment Guarantee to PPCN without delay. 6. The giropay Payment Guarantee expires 6 weeks after a receipt of the given transaction flagged as complete or successful, whichever is applicable unless you have reported the claim in writing before the expiry of the 6 week period. |
iDEAL | |
Payment Type | Real-time Bank Transfer iDEAL is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. iDEAL is restricted to use by customers who have been issued an online bank account that is iDEAL compatible and held at a bank based in the Netherlands. |
Chargeback Risk | No |
Payment Guarantee | Yes - Payment Guarantee means every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your PayPal Account and the funds cannot be revoked, subject further to these Terms and the User Agreement and your compliance with them. |
Refund possibility | Yes |
Transaction minimum | N/A |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | 1. You must make the information about the complaints procedure easily available to customers on your website. 2. You are not permitted to offer the iDEAL payment method via e-mail link services unless you obtain the prior written permission of PPCN. An iDEAL payment link is a URL that leads to your payment page on which a customer can initiate an iDEAL transaction. 3. You must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL payment method as may be notified to PPCN or you from time to time. 4. The iDEAL Merchant Integration Guide can be accessed here: https://betaalvereniging.atlassian.net/wiki/spaces/IPD/overview; you must adhere to the terms and conditions for the use of iDEAL, including the use of the iDEAL logo, as described at www.ideal.nl/en/payee/logos-banners/. 5. You shall report any events that require reliance on the iDEAL Payment Guarantee to PPCN without delay. 6. Where, in PPCN’ sole discretion, you are deemed to be high risk, PPCN reserves the right to request you to implement a customer registration process to record at least the following data concerning the customer: a) Name and e-mail address; b) Account number and name for the bank account number which is being used to make purchases via the iDEAL payment method; c) Additional information for verification in step 2 and the monitoring of transactions, for example: i. IP address ii. Browser fingerprint iii. Mobile number |
Multibanco | |
Payment Type | Real-time Bank Transfer Multibanco is a payment method restricted to customers in Portugal offering two alternatives for payments: One alternative is a bank transfer via the customer ́s online banking portal, the other alternative is cash payment at the ATMs of various Portuguese bank branches. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund Possibility | N/A |
Transaction Minimum | N/A |
Transaction Maximum | EUR 99,999.99 per transaction |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | N/A |
MyBank | |
Payment Type | Real-time Bank Transfer MyBank is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | N/A |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | For the avoidance of doubt and in addition to any prohibited goods or services set out within the User Agreement: Activities which could be punishable as endangerment of minors, paedophilia, 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. |
Supplemental Terms | You are not permitted to use the MyBank Logo and additional intellectual property rights other than as permitted for these alternative payment methods services. For any further use please comply with the MyBank Style Guide for Businesses found at the following website https://www.mybank.eu/mybank/mybank-style-guidelines-for-merchant-websites/. If you attempt to use the MyBank Logo in an unauthorised manner, in a manner that is not intended or allowed, or in significant contravention of these requirements, we reserve the right to revoke our services. |
PayU | |
Payment Type | Real-time Bank Transfer PayU is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | PLN 0.01/Tx; CZK 0.01/Tx |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | In addition to those prohibited goods and services listed in the User Agreement: Prescription medicines, pharmaceutical products and dietary supplements not permitted for sale; drugs, intoxicants, including designer drugs, as well as equipment and technology used for their farming, production, trade, etc.; gambling without legal authority; weapons, ammunition and gas launchers; online services with pornographic content, e.g. chat rooms, video cameras, VOD movies; financial products and services if offered as part of an activity not supervised by competent financial supervision authorities; malware, e.g. rogueware, viruses, etc.; political parties and related websites used to support them or collect funds for political activities; crowdfunding; intermediaries accepting payments on behalf of many recipients without legal authority or not meeting the requirements of card associations/intermediate bodies. |
Supplemental Terms | 1. You shall ensure that the customer is informed in clearly recognizable and easily accessible form that transactions made via the PayU payment method are irrevocable. 2. Neither PPCN nor PayU are liable for any additional charges due to incorrect bank details if you have not ensured that only correct bank details are submitted. 3. Merchants using the PayU payment method are liable for all unauthorised or fraudulent transactions made with the payment method. 4. You shall ensure that: a) any customer identification and/or authenticating data that could be used to place orders shall not be stored electronically or written down in another form; and b) during the input of customer identification and/or authenticating data that could be used to place orders, third parties are prevented from obtaining such data. Disclosure of customer identification and/or authenticating data to third parties is strictly prohibited. |
POLi | |
Payment Type | Real-time Bank Transfer POLi is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. POLi is restricted to customers holding accounts with banking institutions in Australia and New Zealand. Neither PPCN nor any PayPal Affiliate guarantees that all New Zealand or Australian bank accounts are POLi compatible. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund Possibility | No |
Transaction Minimum | AUD/NZD 1.00 per transaction |
Transaction Maximum | AUD/NZD 10,000.00 per transaction |
Specific Prohibited Goods and Services | In addition to any prohibited goods or services set out within the User Agreement: gambling. |
Supplemental Terms | N/A |
Przelewy24 (P24) | |
Payment Type | Real-time Bank Transfer Przelewy24 is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | PLN 0.05 per transaction |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | Every transaction is associated with a unique transaction number and other details (the “Transaction Details“) in order to facilitate enquiries or potential complaints. You shall save the Transaction Details in a secure manner. Any complaints pertaining to incorrectly executed transactions shall be submitted directly to PPCN who will thereafter forward the matter to Pzrelewy24 Payment Scheme for investigation. In relation to such complaints, you must provide the following details: a) E-mail address; b) Transaction number; c) Transaction amount; d) Full name of the holder of the originating bank account from which the transaction amount was to be transferred; e) 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; f) Transaction date; g) In the case of payment from a card: the name of the card; and h) In the case of an SMS payment: the customer’s mobile telephone number. 4. 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. |
SOFORT | |
Payment Type | Real-time Bank Transfer SOFORT Banking/SOFORT Überweisung is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. |
Chargeback Risk | No |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | €1.00 per transaction |
Transaction maximum | N/A |
Specific Prohibited Goods and Services | None other than those prohibited goods and services set out within the User Agreement. |
Supplemental Terms | N/A |
Trustly | |
Payment Type | Real-time Bank Transfer |
Chargeback Risk | No (once the money is settled in the merchant’s account) |
Payment Guarantee | No |
Refund possibility | Yes |
Transaction minimum | EUR 0.01 per transaction (subject to conditions imposed by customer’s bank) |
Transaction maximum | Subject to conditions imposed by customer’s bank |
Specific Prohibited Goods and Services | In addition to those prohibited goods and services listed in the User Agreement: Bitcoin |
Supplemental Terms | (1) You shall ensure that Trustly’s logotype(s) and trademark(s) are exposed and presented in an appealing and appropriate manner, and in accordance with the applicable service presentation requirements as set out at: https://trustly.com/en/developer/documents. (2) You acknowledge and agree that: (a) the Trustly service is dependent on the functionality of third-party systems, primarily banks, and Trustly does not guarantee the functionality of its service in the event of any failure, malfunction, or adjustment within, or associated with, such third-party systems; (b) transaction speeds may be adversely impacted at those times when transaction volumes spike or peak significantly, or during the planned maintenance of the Trustly service; and (c) neither PPCN nor Trustly are liable for any loss or damage due to any degradation of the functionality of third-party systems as described in sub-section (a) herein, or during significant peaks of transaction volumes or the planned maintenance of the Trustly service as described in sub-section (b) herein. |