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1. Acceptance of Payment Terms

By using this Website or by using our Services, you agree to these Payment Terms.

These Payment Terms apply to your use of the 2Checkout Service. The Payment Terms constitute a legally binding agreement between you and 2Checkout. 2Checkout’s Terms of Use, Privacy Statement, and Prohibited Products List are hereby incorporated into the Agreement by reference. You shall review the Payment Terms in their entirety before using our Service.

2. Description of Our Services

Our main service is payment processing. As part of our Service, we will store information that you give us, including your Payment Instrument. We will use this information to process your payment through the appropriate Card network or bank. You may use our Service to purchase goods or services from Sellers. 2Checkout provides payment processing and payment transaction settlement services to you, as the Buyer, and to the Seller. 2Checkout does not provide you with credit. We are not a depository institution. 2Checkout is not a party to your purchase of any product or service from the Seller. 2Checkout is not a Buyer or a Seller under your transaction with the Seller. 2Checkout is an independent contractor between you and the Seller. 2Checkout cannot control the goods or services provided by the Seller. 2Checkout does not assume liability over the goods or services sold to you by the Seller.

We may conduct fraud and other background checks. We may delay the processing of Payment Transactions that appear suspicious or involve fraud or other misconduct. We may also delay the processing of Payment Transactions that are illegal or violate the Payment Terms or other 2Checkout policies.

3. Use of Our Services

You shall use the Service in accordance with the Agreement.

Execution of Payment Transactions

You shall provide us with an accurate and correct Payment Instrument to complete your Payment Transactions with the Seller. If you fail to provide us with an accurate Payment Instrument, then the following may occur: (1) Your Payment Transaction may be improperly executed; (2) Your Payment Transaction may be denied; (3) Your Payment Transaction or your Payment Instrument may be marked as fraudulent; (4) Your Payment Transaction may be delayed; and/or (5) Your Payment Transaction may be blocked. 2Checkout may verify with third parties all information you provide us, including your Payment Instrument.

Payment Methods

The current payment methods available are credit or debit cards from Visa, MasterCard, American Express, Discover, JCB, Diners Club, PayPal, and Pin Debit (Non-recurring U.S.A. transactions, made in U.S.A. Dollar only). 2Checkout may add or remove payment methods without any liability to you.

Blocked Transactions

2Checkout may block your Payment Transaction in its sole discretion. In addition, 2Checkout may block the transaction or refuse a Payment Transaction in the following circumstances: (1) For the security of the Payment Instrument; (2) Suspected unauthorized or fraudulent use; (3) For risks relating to 2Checkout’s legal obligations; (4) For risks relating to any Dispute, Chargeback, claim, reversal, fees, fines, or penalties; (5) For risks relating to sales of goods or services from Sellers that are on the Prohibited Products List; (6) In the event that you have exceeded our purse limits, as described below; (7) Where it would be unlawful to allow the Payment Transaction; or (8) Other circumstances where we must abide by legal obligations as a payment services provider, including our legal obligations under anti-money laundering, anti-terrorist financing, or similar related laws.

Further Information

2Checkout may obtain further information about you. This information may include credit or background inquiries or other further information. We may use this information to process your Payment Transaction, verify you’re Payment Instrument, or to verify the information you provide us. You authorize us to conduct these inquiries as we deem appropriate.

We may confirm the validity of the bank or wire transfer with your financial institution. We may confirm that your Payment Instrument is in good standing with the Card-issuing bank. This confirmation may involve requesting a payment authorization or other actions. Furthermore, you shall provide 2Checkout with any further information necessary to assist 2Checkout in complying with its legal obligations, including anti-money laundering laws and/or anti-terrorist financing laws. This further information may include identification documents, passports, or other documents.

Transaction and Purse Limit

2Checkout may limit any of your transactions, series of your transactions, your total running transaction amount, or the frequency of your transactions. We maintain the right to change, suspend, or discontinue the Service, or any aspect thereof, at any time without notifying you and without liability. We may impose access restrictions or limits, or both, on features without notice and without incurring liability. We may also refuse either your or the Seller’s request to process a transaction, without notice or liability.

Payment of Fees

Absent any conditions outlined in this Payment Terms, you will not be charged for the use of the Service. However, fees, taxes, VAT, shipping, insurance, or exchange rates may be assessed based on: (1)Your agreement with the Seller at the time of purchase; (2) Your State, Province, or Country; and/or (3) The financial institution that issued your bank account or your Card; all of which 2Checkout has no control over. When a charge is assessed to complete the processing of a transaction, you authorize us to debit your Payment Instrument. You further authorize us to credit your Payment Instrument in cases where there has been a reversal, refund, or adjustment. 2Checkout is not liable for the Seller’s failure to accurately display any fees or taxes.

4. Recurring Payments

Recurring Payments

If you have signed up for a Recurring Payment through a Seller’s website, then you hereby consent to 2Checkout’s deducting those amounts from your Payment Instrument periodically. 2Checkout may debit your Payment Instrument to process Payment Transactions on the dates that you and the Seller have agreed. 2Checkout is not required to verify the accuracy of the amount or frequency of the Recurring Payments submitted to 2Checkout by Sellers. Exchange rates that will be used on the Payment Transaction related to a particular Recurring Payment will be determined based on the day that Recurring Payment is to be charged..

Cancellation of Recurring Payments

You may cancel a Recurring Payment by contacting the Seller. 2Checkout will not charge you for cancelling a Recurring Payment. However, you may be liable for any fees or charges owed to the Seller. 2Checkout is not liable to you for any fees that the Seller may charge you for cancelling your Recurring Payment.

5. Refunds

You may request a refund for your Payment Transaction by contacting the Seller from whom you purchased the goods or services. Generally, 2Checkout follows the refund policy posted on the Seller’s website.

6. Errors, Defective Execution, and Unauthorized Transactions

Notification and Investigation

You shall notify 2Checkout of errors, defective execution, unauthorized execution, or incorrect execution of your Payment Transactions as soon as you become aware of them. If you do not notify us of these transactions within six (6) months after the debit date, you will not be entitled to any redress. After you notify us of these Payment Transactions, we will carry out an investigation. You shall assist 2Checkout in this investigation by providing us with all of the information we may require from you. 2Checkout will notify you of the results of our investigation within a reasonable time after we conclude this investigation.

2Checkout Not Liable

2Checkout will not be liable for any reason in the following situations: (1) Abnormal and unforeseeable circumstances beyond our control; (2) If the situation arose because of our compliance with the law; (3) If you fail to notify 2Checkout as soon as possible, but no later than six (6) months after the debit date; or (4) If you did not have enough funds available to complete the transaction through no fault of ours.

You will be liable for all unauthorized transactions if you acted fraudulently, intentionally, with gross negligence, or if you failed to comply with your obligations regarding the security of your information.

7. Information About Transactions

You consent to receive Payment Transaction receipts electronically, through the email address you provide to us at the time of sale. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that these communications be in writing. You will be deemed to have received an electronic communication from us when we send it to the email address you provided us.

Information Sent in Receipts

After you submit a Payment Transaction, you will receive an email from 2Checkout with a receipt that includes a reference to the Payment Transaction you conducted through 2Checkout. This receipt will include the following information: (1) name of the Seller that you paid using 2Checkout; (2) amount of the transaction; (3) date of the transaction; (4) currency of the transaction;  (5) a unique transaction number that you can use with your communications with 2Checkout; and (7) a breakdown of the charges related to your Payment Transaction, and any other fees. This receipt, sent via email, will be the only method by which you will receive information regarding your transaction.

8. Disputes

Dispute Resolution

If you have any problems or concerns, please contact our Customer Service Department:  https://www.2checkout.com/contact/ If a Dispute arises between a Buyer and a Seller, 2Checkout may provide reasonable assistance to help resolve the Dispute. However, 2Checkout is not liable to you with respect to these Disputes. You agree to release 2Checkout from all claims, demands, or damages arising from or connected with these Disputes.

The Payment Terms do not affect any rights, claims, or defenses you may have regarding a Payment Transaction under your Card issuer agreement, the Card Association rules, or any applicable law.

9. Taxes and Regulatory Requirements

You are solely responsible for the payment of all taxes incurred in your use of the Service. You are solely responsible for educating yourself and obeying all laws and regulations pertaining to your use of the Service.

10. No Product Endorsements

2Checkout is not responsible for the quality, accuracy, soundness, condition, or legality of any product or service sold using the Service. 2Checkout is not responsible for the truthfulness or accuracy of any description or of any other information on the products or services that are displayed, distributed, purchased, or sold through the Service.

2Checkout is neither a Buyer nor Seller for any of the goods that you purchase from Sellers. 2Checkout is not responsible for your ability to purchase products or for the ability of Sellers to deliver products to you. 2Checkout is not responsible or liable for any errors or omissions in the information on the Service or in the Service itself. 2Checkout may, in its sole discretion, correct, modify, remove, or refuse to post content on its Service that is erroneous, illegal, fraudulent, objectionable, or otherwise in violation of the Payment Terms. 2Checkout is not liable for errors or omissions in any of these corrections, modifications, removals, or refusals to post.

11. Indemnification

You are liable for any losses, expenses, or costs, arising from your: (1) use of the Service; (2) failure to comply with the Payment Terms; (3) negligence, actions, or omissions; (4) violation or alleged violation of any law; or (5) violation or alleged violation of the rights of a third party. You shall defend and hold 2Checkout harmless from any claim or demand arising from them.

12. Warranty Disclaimer

THIS SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS, IMPLIED, OR OTHERWISE. WITHOUT LIMITATION OF THE FOREGOING, 2CHECKOUT SPECIFICALLY DISCLAIMS ALL WARRANTIES, INCLUDING THE FOLLOWING. FIRST, WE DISCLAIM ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, INTEGRATION, APPROPRIATENESS, RELIABILITY, COMPLETENESS, TIMELINESS, OR USEFULNESS, ARISING FROM TRADE USAGE OR COURSE OF DEALING OR COURSE OF PERFORMANCE OR OTHERWISE, OF THIS SERVICE. SECOND, WE DISCLAIM ANY WARRANTY THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, NOT DELAYED OR SUSPENDED, UNCHANGED OR ERROR FREE OR THAT WE WILL CORRECT ANY DEFECTS THAT ARE FOUND. THIRD, WE DISCLAIM THE IMPLIED WARRANTIES OF QUIET ENJOYMENT, MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, FITNESS FOR LICENSEE’S PURPOSE, TITLE, INFORMATIONAL CONTENT, NONINTERFERENCE, AND NONINFRINGEMENT.

ANY MATERIAL THAT YOU DOWNLOAD IN CONNECTION WITH 2CHECKOUT’S SERVICES IS DONE ENTIRELY AT YOUR OWN RISK. ANY DAMAGES, INCLUDING THOSE TO YOUR COMPUTER SYSTEM OR RELATED TO DATA LOSS, ARE YOUR RESPONSIBILITY.

2CHECKOUT MAKES NO REPRESENTATIONS THAT THE MATERIALS CONTAINED WITHIN THIS SERVICE ARE APPROPRIATE FOR LOCATIONS OUTSIDE OF THE UNITED STATES. YOU ARE RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LOCAL LAWS OF THE LOCATION FROM WHICH YOU ACCESS THE SERVICE.

THE PAYMENT TERMS DO NOT AFFECT THOSE STATUTORY RIGHTS THAT YOU ARE ENTITLED TO AS A CONSUMER AND THAT YOU CANNOT CONTRACTUALLY AGREE TO ALTER OR WAIVE.

13. Limitations of Liability.

YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. WE ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY OTHER LOSSES, COSTS, OR EXPENSES. WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES THAT ARISE DIRECTLY OR INDIRECTLY. WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES THAT ARISE THROUGH THE ACCESS TO, USE OF, OR BROWSING OF THE SERVICE. WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES THAT ARISE THROUGH YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO OR AUDIO FROM THE SERVICE, INCLUDING ANYTHING CAUSED BY ANY VIRUSES, BUGS, HUMAN ACTION OR INACTION OR ANY COMPUTER SYSTEM, PHONE LINE, HARDWARE, SOFTWARE OR PROGRAM MALFUNCTIONS, OR ANY OTHER ERRORS, FAILURES OR DELAYS IN COMPUTER TRANSMISSIONS OR NETWORK CONNECTIONS. LOSSES INCLUDE BUT ARE NOT LIMITED TO LOSS OF PROFIT, GOODWILL, BUSINESS REPUTATION, OR DATA. COSTS INCLUDE BUT ARE NOT LIMITED TO THE COST OF PROCURING SUBSTITUTE SERVICES. EXPENSES INCLUDE BUT ARE NOT LIMITED TO LEGAL FEES, EXPERT FEES, OR OTHER DISBURSEMENT.

IN ADDITION TO THE ABOVE, WE ARE NOT LIABLE TO YOU FOR ANY OTHER LOSS OR DAMAGE INCURRED BY YOU, INCLUDING THOSE THAT RESULT FROM THE FOLLOWING. FIRST, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO YOUR RELIANCE UPON THE ACCURACY, COMPLETENESS OR EXISTENCE OF ANY ADVERTISING ON THE WEBSITE OR ANY TRANSACTION YOU HAVE HAD WITH A WEBSITE ADVERTISER OR SPONSOR. SECOND, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO ANY CHANGES 2CHECKOUT MAY HAVE MADE TO THE SERVICES. THIRD, WE ARE NOT LIABLE FOR ANY CESSATION IN THE SERVICES OR FEATURES THEREOF. FOURTH, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO THE DELETION OR CORRUPTION OF DATA MAINTAINED IN OR TRANSMITTED BY THE SERVICES. FIFTH, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO YOUR FAILURE TO GIVE US ACCURATE INFORMATION ABOUT YOUR ACCOUNT OR TO KEEP YOUR ACCOUNT INFORMATION CONFIDENTIAL AND SECURE.

OUR LIABILITY UNDER THE AGREEMENT IS LIMITED TO THE NET FEES WE RECEIVE FROM YOUR PAYMENT TRANSACTIONS DURING THE THREE MONTH PERIOD PRECEDING THE DATE YOU FILE YOUR CLAIM.

THESE LIMITATIONS OF LIABILITY PROVISIONS APPLY IRRESPECTIVE OF WHETHER 2CHECKOUT KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY THAT THOSE LOSSES COULD ARISE. THESE LIMITATIONS APPLY EVEN IF THERE HAS BEEN A FAILURE OF ESSENTIAL PURPOSE OR OF ANY LIMITED REMEDY.

THE PAYMENT TERMS DO NOT EXCLUDE OR LIMIT 2CHECKOUT’S LIABILITY FOR LOSSES, COSTS, OR EXPENSES THAT MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW.

14. Service Disruption

We do not warrant that the Service will be uninterrupted, not delayed, or free from error. 2Checkout will not be held responsible for interruptions in Service. 2Checkout is not liable for failures or delays caused by matters beyond its reasonable control. These matters include government acts or restrictions, acts of terrorism, fires, floods, earthquakes, hurricanes or other natural disasters or acts of God, wars, riots, strikes, network, server or power disturbances or failures, software glitches, internet disturbances, labor disputes or unrest, or intellectual property disputes. Your use of the Service is at our discretion. We may suspend or limit your use at any time. Your rights and obligations under the Payment Terms will not be affected by any suspension or limitation of your use.

15. Governing Law, Jurisdiction, and Time Limits

The laws of the State of Ohio without reference to its conflict of laws principles govern the Payment Terms. You submit to the exclusive jurisdiction of the federal or state courts located in the State of Ohio, Franklin County, U.S.A. for any action at law or in equity relating to the Website, the Payment Terms, or the Services.

You shall bring any claim or cause of action relating to this Website, the Payment Terms, or the Services of 2Checkout within one (1) year of the date the cause of action arose. Otherwise, your cause of action will be waived and time barred.

16. Corporate Opt-Out

If you are not a Buyer, then the following modification of the Payment Terms apply to you:

  • We may point to the use of your Payment Instrument as sufficient proof that you have authorized the Payment Transaction, that you have acted fraudulently, or that you have failed to fulfill your security obligations with respect to your Account. The use of your Account information, Payment Instrument, or payment device will be taken as proper authorization in all circumstances.
  • You are liable for all losses incurred as a result of unauthorized Payment Transactions resulting from the use of your Account or as a result of your failure to keep the security features of your Account from misappropriation.
  • You shall not revoke a Payment Transaction after we have already received it or after you have already transmitted it.
  • You have thirty (30) days after the debit date to notify 2Checkout of errors, defective execution, or unauthorized or incorrectly executed Payment Transactions as required under Section 6 “Errors and Defective Execution and Unauthorized Transactions.” 2Checkout is not responsible for errors, defective execution, or unauthorized or incorrectly executed transactions if you fail to notify 2Checkout within thirty (30) days of the debit date.

17. Additional Terms

Competence

You represent that you are of legal age to enter into this legally binding Agreement. You also represent that you are capable of entering into this legally binding Agreement with 2Checkout.

Authority

If you are a corporate entity, you represent that you are authorized to do business in the countries in which you operate. You also represent that the persons within your organization or your agents who access this Service are authorized to do so. You agree that these persons are authorized to legally bind the corporate entity to the Payment Terms. You agree that these persons are authorized to bind the corporate entity to any transaction that may be conducted under your Account.

No Third Party Reliance

Unless otherwise stated herein, the Payment Terms are for the benefit of 2Checkout and the Buyer. The Payment Terms do not create any rights or remedies in any other person or entity. There are no third party beneficiaries under this Agreement.

Survival

If any provision of the Payment Terms is held to be invalid, illegal, or unenforceable, then the remaining provisions of the Agreement remain in full force. Notwithstanding anything in this Agreement to the contrary, Section 7 on “Information About Transactions,” Section 8 on “Disputes,” Section 9 on “Taxes and Regulatory Requirements,” Section 10 on “No Product Endorsements,” Section 11 on “Indemnification,” Section 12 on “Warranty Disclaimer,” Section 13 on “Limitations of Liability,” Section 14 on “Service Disruption,” and Section 15 on “Governing Law, Jurisdiction, and Time Limits” must survive the termination or expiration of the Payment Terms.

Successors and Assigns

The Payment Terms benefit and bind 2Checkout, its successors, and its assigns. The Agreement also binds and benefits you and your heirs, executors, administrators, successors, and personal representatives, and all persons you represent and their respective successors, assigns, and related persons.

Assignment

You and the persons you represent shall not assign the Payment Terms or your rights and obligations under it without the express prior written consent of 2Checkout. We may withhold this consent in our sole discretion. 2Checkout may assign the Payment Terms and our rights and obligations under it without your consent or the consent of any persons you represent.

No Waiver

2Checkout’s failure to enforce the Payment Terms will not be a waiver. Our failure to enforce any provision of the Payment Terms will not be a waiver of 2Checkout’s right to act on subsequent breaches or similar breaches. 2Checkout’s failure to enforce any provision of the Payment Terms will not be a waiver of 2Checkout’s right to enforce that provision.

Headings

Headings contained in the Payment Terms are for reference and convenience purposes only. They do not limit or change the meaning or interpretation of the terms in the Agreement.

Entire Agreement

The Payment Terms constitute the entire agreement between 2Checkout and the Buyer.

18. Definitions

2Checkout, us, we, or our mean 2Checkout.com, Inc., its affiliates, subsidiaries and agents, and their respective employees, suppliers, contractors, directors, officers, shareholders, third-party content providers, sponsors, and licensors.

Agreement or Payment Terms means this agreement including all of its exhibits, appendixes, and other agreements incorporated by reference.

Account means your account at 2Checkout consisting of the information you submitted to us to complete your Payment Transaction.

Business Day means a business day or any day on which 2Checkout is open for business as required to carry out a Payment Transaction.

Card means credit or debit card issued by a financial institution participating in a Card Association.

Card Association means VISA, MasterCard, American Express, Discover, JCB, or any other credit card or debit card brand accepted by 2Checkout.

Chargeback means the demand to reverse a transaction and refund of the full purchase price for the goods or services to the cardholder.

Consumer means an individual who, in contracts for payment services, is acting for purposes other than a trade, business, or profession.

Currency Conversion Fee means fee charged by 2Checkout for the use of more than one currency in making a Payment Transaction.

Dispute means an action by the Buyer or the Card-issuing bank to dispute validity of the purchase of a product or service from the Seller. Dispute may include the initiation of a Chargeback or other actions by the Buyer or the Card-issuing bank regarding that purchase. Dispute also includes any complaint by the Buyer over a purchase of goods or services from the Seller.

Payment Instrument means the Card or Paypal Account information you provide to 2Checkout during your Payment Transaction, including your name, Card or Account number, security code, PIN, billing information, invoice number, etc.

Payment Transaction means an instruction requesting the execution of a payment to a Seller using our Services.

Recurring Payment means a Payment Transaction that you have authorized in advance to be processed multiple times for some time in the future. Recurring Payments may include subscriptions, pre-approved payments, or automatic payments.

Service means all services offered by 2Checkout, both online and offline, and utilized by the Buyer and the Seller. Service includes payment processing, customer service, fraud protection, and other e-commerce services. The Service also includes the Website.

Seller means an individual or entity that sells goods or services to Buyers, uses 2Checkout Services, and accepts 2Checkout as a means of payment.

Website means any URL through which we provide services to you, including www.2checkout.com. Website includes any information or content included on the Website.

You, your, Purchaser, or Buyer means each entity or individual that uses 2Checkout Services to purchase goods or services from a Seller.