Restriction Guidelines

A review of the site will need to be done prior to opening an account. Procedures for ‘Restricted’ accounts:

Completed Risk Form

Your return policy must agree with ours (see Operating regulations) https://www.2checkout.com/documentation/operating.html

Agree to the following: Reserve level will be 10% for initial 6 month period. Processing fees will be 7.5% + $0.55

There can be no nudity, adult DVD’s or porn links on the site. If you agree to these terms, the site has been approved and you open an account please, forward the seller ID you will receive to risk@2co.com. You will receive a risk form at this time. Please fax to 614-921-2451 attn:risk

Seminar/Conference/Event Guidelines:

The terms outlined in our Supplier Agreement and Operating Regulations are geared towards the standard purchase of goods and services, and are not readily serviceable for conferences, events and seminars. 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 seminar/conference/event, the product is not supplied until well after the time in which the credit card is charged.

The Risk Management department of 2CO is prepared to allow for your conferences/seminars/events to be accepted per the “Restricted Product” guidelines of our Allowed Products list, based on the following conditions:

1. 2CO will hold-back 25% of each sale in a “reserve fund” pending verified completion of the event. The 25% hold-back will be released in 2 installments. The first installment will be released no earlier than 1 week following the event. This is required to allow the 2CO verification department ample time to verify that the event took place, and that there are no initial customer complaints. At this point 80% of the hold-back (approximately 20% of your total sales) will be released to you. The remaining funds will be released on the pay period 90 days after the completion of the verification process.For example:
   If your event is scheduled to take place on January 1st, the hold-back payout would be as follows:
   • approximately January 10th — 20% of total sales
   • approximately April 10th — remaining 5% of total sales (less refundsand chargebacks)

   Please note: Verification will NOT take place until after you inform 2CO that the event has taken place.*

2. Purchasers/attendees must be provided with some tangible evidence of purchase, such as a ticket, a certificate of registration, etc., at the point when the sale is made.
3. 2CO will require a guarantee that will protect us from the possibility of the event not taking place, or other circumstances that may result in large numbers of cancellations or refunds of funds that we would have paid out to you before the conference/event takes place. This should be a written statement, signed by the account holder, specifically stating 2Checkout bears no responsibility for reimbursement of ticket costs for which the vendor has already been paid in the case of canceled events.
4. 2CO will also require a completed copy of the Risk Form, a record of your business history, as well as documentation of a previous event (you may submit a newspaper posting, copy of a brochure, etc.) faxed to 614-921-2451 ATTN: Risk.

If you agree to these conditions, please respond with the requested paperwork and completed Risk Form.

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?

2CO strongly encourages you to take advantage of our Customer Care team. A link to our ticket system or our toll-free 800 number can be posted on your website. As you are notified as to any inquiry or dispute that is brought to our attention this essentially provides you with a multi-level customer service department that is available seven days a week.

2CO requires all suppliers to clearly and concisely post the terms under which a product can be returned for full credit or a recurring billing cycle can be terminated.

The policy should be clearly posted, easy-to-understand and provided to our Customer Care team for posting on your account. Only by requesting that the policy terms be included in our internal administration system can we be assured of notifying any customers as to terms that may be specific to a product or service supplied to us.

In most instances you will be notified as to any inquiry or complaint associated with the product you are supplying. If, however, 2CO determines that a failure to quickly cancel or refund a transaction would result in more harmful and costly chargeback procedures than it is likely that a refund or cancellation with be immediately transacted.

In all instances you should arrange to obtain signature confirmation when shipping tangible products. Chargeback disputes will not be entered into without this documentation and the product must also be shipped to the cardholder’s address - not a separate shipping location. To clarify, 2CO does not prohibit products from being shipped to a different address. However, the ability to dispute a chargeback is negated entirely if this is the case.

Please review the following articles for additional information on contacting 2CO, chargebacks and tools that can be used to minimize disputes:

2Checkout Contact Information

What is a Bank Assisted Dispute (Chargeback)?

How can I help to reduce the number of customer disputes?