On August 19, 2009, 2Checkout amended its Terms of Use, Supplier Agreement, and Operating Regulations as allowed in the Supplier Agreement and has posted the amended documents to the 2Checkout website. Amendments and modifications are effective immediately upon posting to the website.
Please read this summary of the changes. It is very important that you are aware of these changes.
On January 15, 2009 2Checkout.com will stop accepting sales for term papers, dissertations, academic writing assignments and the like.
We have appreciated the business of our vendors who sell academic writing services; however, after careful deliberation, our experience with such sales and our consideration of related legal issues in the United States leads us to conclude that we can no longer support those services.
We will no longer be accepting new accounts to sell term papers and similar products. We will add these items to the next update of our Prohibited Products List.
On January 15, 2009, existing accounts that are selling term papers, dissertations, etc., will no longer accept sales. All current 2CO vendors who are selling term papers are strongly encouraged to begin switching to an alternative sales solution as soon as possible in order to avoid or minimize any disruption of your business operations.
If you have any questions about this policy as it relates to your account, please contact our Risk department directly at risk@2co.com.
Are you a prospective vendor wondering if your product is one that 2Checkout prohibits or restricts? Are you an existing vendor who wants to add additional products or services and you’re not sure if 2Checkout can support it? Still have questions even after reviewing our prohibited product list? Our Risk Department is here to get you the answers you need. Email risk@2checkout.com and provide us with your URL and we will happily review your product or service for acceptability. If you do not yet have a website that includes your product or service, then provide us with a detailed description as to what you wish to sell and we’ll follow up with information on whether we think we could support it. It is important to note that while we can give you a general idea as to whether or not we could support something based on a description, we will still need to review your URL before approving an account.
2Checkout no longer accepts sales for essays, term papers, dissertations or any type of academic writing assignment. For more information please visit the related article below and our Prohibited Products List.
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The terms outlined in our Supplier Agreement and Operating Regulations are geared towards the standard purchase of goods and services, and are not readily applicable for services offering repair, data transfer, maintenance, or other services requiring a customer to send in items to receive service. It is a requirement of the card association that goods/services be rendered at the time when the credit card is actually charged for a sale. In the case of a repair/data transfer/maintenance service, the product is not supplied until well after the time in which the credit card is charged, and a transfer of customer property is mandated.
Before continuing further, please be aware that services of this type are restricted to US based operations only. The item must be shipped to, and serviced from, locations within the continental United States.
The Risk Management department of 2CO is prepared to allow repair/data transfer/maintenance services to be accepted with a 10% rolling reserve per the “Restricted Product” guidelines of our Allowed Products list, based on the following conditions:
If you agree to these conditions, please respond with the requested paperwork and completed Risk Form.
Credit Card Association regulations state that only authorized merchant account holders are to directly accept credit card information from customers. Because your 2Checkout.com account is an Authorized Reseller account and not a merchant account, directly accepting a buyer’s credit card information is prohibited. This includes but is not limited to using your 2Checkout.com account as an in-store point of sale, accepting 2Checkout.com orders via phone or placing orders on behalf of your customers.
It is important to the credit card associations that the relationship between vendors and 2CO is not misrepresented. Vendors should represent 2CO as an authorized retailer or out-sourced vendor solution, not as a “credit card processor”, a “third party processor”, or “payment gateway.” Vendors do have artistic license to incorporate this depiction into the context of their site provided they do not misrepresent the relationship.
Terminology for buttons or links to 2CO that is acceptable:
“Add to Cart”
“Buy Now”
“Buy from 2CO”
“Continue ->”
Terminology for buttons or Links to 2CO that is NOT acceptable:
“Click Here to Pay”
“Process Payment Now”
Language that should be contained on your site (preferably as early in the shopping process as possible):
2Checkout.com, Inc. is an authorized retailer of <Supplier>
2Checkout.com, Inc. is an authorized retailer of goods and services provided by <Supplier>
Language that should NOT be contained on your site includes indicating 2CO is a:
“Credit Card Processor”
“A Third Party Processor”
or “A Payment Gateway”
It is important to note that failure to comply with 2CO or credit card association requirements can jeopardize your relationship with and ability to use 2CO.
Supplier may click on the following link for additional information and to determine if any updates to the requirements contained have occurred. https://www.2checkout.com/language_guidelines.html
2CO requires buyers to enter their orders and payment information themselves using the online interface.
This requirement does not restrict you to internet-based sales, however.
Accepting orders by telephone, facsimile or mail is acceptable as long as the payment portion of the process is done online. Please remember that vendors are not permitted to enter orders for their customers or accept credit card information as this contravenes the Credit Card Association rules that only a Merchant Account holder can collect credit card information.
You can easily send an email to customers containing the order details, along with a link, so the customer can enter their payment information.
For additional information on requesting a payment from the customer please review How Can I Send an Email to My Customer So They Can Make a Payment?
It is important to the credit card associations and 2CO that the relationship between vendors and 2CO is not misrepresented. Vendors should represent 2CO as an authorized retailer or out-sourced vendor solution, not as a “credit card processor” or “payment gateway.” Vendors do have artistic license to incorporate this depiction into the context of their site provided they do not misrepresent the relationship.
You can find more detailed information about our Compliance Guidelines here:
https://www.2checkout.com/language_guidelines.html
No, 2CO does not provide virtual terminal service.
Additionally, it will be a violation of your terms of service to enter a customer’s credit card information for them. This practice, known as ‘factoring’, is prohibited by Visa/Mastercard unless specifically addressed in an individual merchant account agreement. Part of our order identification system, fraud detection service and order tracking depends on having the customer input their orders on our SSL secure order page.
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