8am Payment Solution User Guide

8am Payment Solution User Guide

Updated: November 2025

Welcome to 8am (“8am”, “our”, “us”, or “we”), formerly known as AffiniPay! This 8am Payment Solution User Guide (the “Guide”), along with the 8am Terms of Service (including all other terms, agreements, and policies referenced and/or linked therein) and your 8am Merchant Processing Application (collectively, the “Agreement”), contains the terms and conditions under which 8am, Banks (as defined in the 8am Terms of Service) and/or other third parties will provide services to you. The requirements set forth in this Guide will apply unless prohibited by law. You are responsible for following any additional or conflicting requirements imposed by your state or local jurisdiction.

This Guide provides a general description of the Services that we may provide to you, including those that allow you to accept Payments from Purchasers.

Capitalized terms used but not defined herein shall have the meanings set forth in the 8am Terms of Service. References to “cards” throughout include prepaid, credit and debit cards, unless otherwise stated. "Issuer" means the financial institution that issues payment cards to cardholders and has the authority to authorize or decline card transactions.

Please read this Guide in its entirety as it contains important information.

PART I: GENERAL OPERATING PROCEDURES

1. Your 8am account

A. Our role and your responsibilities

8am allows individuals, businesses, and nonprofit organizations to register for 8am if they are located in Canada, one of the 50 United States, the District of Columbia, or Puerto Rico. U.S. territories (such as Guam) and U.S. military bases are not supported. To open an account, you must be either a United States citizen or legal permanent resident, or a Canadian citizen or legal permanent resident of Canada, or a United States or Canadian business or nonprofit organization having a physical presence in the country where you are registered and authorized to conduct business by the province or state in which you operate. A user who opens an Account must be eighteen (18) years of age or older. You may open an Account for a business or nonprofit organization only if it is legitimate and you have the authority to enter into this Agreement on its behalf. Your acceptance of this Agreement constitutes acceptance by the business or nonprofit organization.

Each Account must be linked to a verified U.S. bank account.

8am works with various 8am affiliates, Banks, and Networks to provide you with access to the Payment Methods and Payment Processing Services. Where the Payment Processing Services enable you to submit Payments, we may limit or refuse to process Payments for any Prohibited Businesses, or for Payments submitted in violation of this Agreement. You may accept the Payment Methods specified when you opened your account, and you may opt out of accepting certain Payment Methods without penalty and without affecting your ability to accept other Payment Methods by notifying us. Please note that Payment Method acceptance cannot be limited based on issuing country, nor can limitations be applied based on individual card programs or Issuers within a particular card program.

B. Validation and underwriting

When you register for an Account, you may be asked for financial information, or information we use to identify you, your representatives, principals, beneficial owners, and other individuals associated with your Account. We also may perform credit checks on you. Throughout the term of this Agreement, we may share information about your 8am Account with Networks, Banks, and Third Parties in order to verify your eligibility to use the Payment Processing Services, establish any necessary accounts or credit with Networks and Banks, monitor Payments and other activity, and conduct risk management and compliance reviews. We may conduct reviews of your Account information to determine continued eligibility to use the Payment Processing Services.

C. Changes to your account

Changes to your settlement account

If you would like to change the Settlement Account where you receive the proceeds of your Payments, please contact our Customer Support department or your Relationship Manager immediately to have your settlement account information updated.

Changes to your legal name or structure

If your organization has changed your legal name or legal structure, a new agreement may be required. Please contact our Customer Support department or your Relationship Manager to start that process.

Changes in your company DBA name, address, or telephone number

To change your company or location, “doing business as” (DBA) name, address (or e-mail address), or telephone/ facsimile number, you must update your information on the Website or contact your Account Manager or Customer Support.

Changes in your company’s status

Please notify us of any change to the information on file (merchant profile) with us related to your business’s status, including: (i) any new lines or types of business; (ii) change in ownership; (iii) the opening, closing or liquidation of business or any location; (iv) voluntary or involuntary party to a bankruptcy case; (v) entry into a loan or other agreement with a Person that seeks to affect this Agreement. We reserve the right to terminate this Agreement if you fail to notify us of any change to the information in your merchant profile.

2. Processing Payments

To enable us to process Payments for you, you authorize and direct us, our affiliates, the Networks and Banks to receive and settle any Payment processing proceeds owed to you through the Payment Processing Services. You may not, other than as required by this Agreement or any other agreement associated with an 8am Service, grant or assign any interest in Payment processing proceeds to any third party until such time as the Payment processing proceeds are deposited into your Settlement Account (as defined below). You appoint 8am as your agent for the limited purpose of directing, receiving, holding and settling such proceeds. You agree that 8am’s receipt of such proceeds satisfies the relevant Purchaser’s obligations to make Payments to you. We will promptly update your 8am Account balance to reflect any such proceeds that we receive on your behalf.

You are responsible for: (i) acquiring appropriate consent to submit Payments through the Payment Processing Services on each Purchaser’s behalf; (ii) providing confirmation or receipts to Purchasers for each Payment; (iii) verifying Purchasers’ identities; and (iv) determining a Purchaser’s eligibility and authority to complete Payments. However, even authorized Payments may be subject to a Dispute. 8am is not responsible for or liable to you for authorized and completed Payments that are later the subject of a Dispute, Refund, or Reversal, are submitted without authorization or in error, or violate any applicable law s or Network rules. See Section 3 below for more details on Disputes.

A. Prohibited activities

You may only submit Payments through the Payment Processing Services that are authorized by your Purchasers. When you accept card Payments, Network Rules specifically prohibit you from: (i) providing cash refunds for a Payment on a credit card, unless required by applicable law, (ii) processing a credit Payment that does not correspond to a previously completed Payment or (iii) submitting authorization requests and/or sales drafts by a merchant for Card Payments transacted by another business, or on behalf of another person. You shall assume all liability for any losses, penalties, costs, or expenses associated with the Dispute, rejection, or Reversal of any such non-compliant Payment. Also, if any fraud is involved, you could face criminal prosecution.

B. Responsibilities and disclosures to your Purchasers

When using the Payment Processing Services you agree to: (i) accurately communicate, and not misrepresent, the nature of the Payment, and the amount of the Payment in the appropriate currency prior to submitting it for processing; (ii) provide or make available a receipt that accurately describes each Payment to Purchasers; (iii) provide Purchasers with accessible contact methods for addressing or escalating any inquiries, issues, or disputes related to the Payment, billing, product, or service provided; (iv) only submit bona fide Payments, representing actual, authorized sales of the goods or services described in your merchant application and (v) not use Services to sell any product or service in a manner that is unfair or deceptive, exposes Purchasers to unreasonable risks, or does not disclose material terms of a purchase in advance. You agree to maintain and make available to your Purchasers a fair and neutral policy regarding returns, refunds, cancellations, and adjustments, and to clearly explain the terms, conditions, and processes by which a Purchaser may seek or be eligible for a refund.

C. Payments

You may only submit Payments through the Payment Processing Services that are authorized by your Purchasers. To enable us to process Payments for you, you authorize and direct us, our affiliates, the Networks and Banks to receive and settle any Payment processing proceeds owed to you through the Payment Processing Services. You may not, other than as required by this Agreement or any other agreement associated with an 8am Service, grant or assign any interest in Payment processing proceeds to any third party until such time as the Payment processing proceeds are deposited into your Settlement Account (as defined below). You appoint 8am as your agent for the limited purpose of directing, receiving, holding and settling such proceeds. You agree that 8am’s receipt of such proceeds satisfies the relevant Purchaser’s obligations to make Payments to you. We will promptly update your 8am Account balance to reflect any such proceeds that we receive on your behalf.

We may set certain Payment amount and/or processing volume limits on your account based on our underwriting and risk assessments. Pre-approval is required for eCheck/ACH Payments above the designated limit, or $5,000 per transaction, whichever is lower. All accounts are also established with a geolocation lock that restricts processing Payments from countries outside of the United States and Canada. If you plan to receive Payments from other countries, please contact our support team for assistance.

You may use the Payment Processing Services to receive recurring or subscription Payments from your Purchasers. If you use the Payment Processing Services to submit these recurring or subscription Payments, you agree to comply with applicable laws, including clearly informing Purchasers in advance of submitting the initial Payment that they will be charged on an ongoing basis and explaining the method for unsubscribing or cancelling their recurring billing or subscription.

If you engage in Payments with Purchasers who are individuals (i.e. consumers), you specifically agree to provide consumers disclosures required by applicable law, and to not engage in unfair, deceptive, or abusive acts or practices (also known as “UDAAP”).

D. Refunds

Refunds may be initiated by you, an Issuer, or a Network. We may decline to act upon a Refund instruction, or delay execution of the instruction, if: (i) it would cause your Account balance to become negative; (ii) you are the subject of Bankruptcy Proceedings; or (iii) where we otherwise believe that there is a risk that you will not meet your liabilities under this Agreement (including with respect to the Payment that is the subject of the Refund instruction).

3. Chargebacks/Disputes

Both the Cardholder and the Issuer have the right to question or Dispute a Payment.

A “Dispute” occurs when there is a formal challenge, question, inquiry, claim, or objection relating to a Payment, including but not limited to, a Chargeback, Retrieval, Reversal, Refund, Fine, pre-arbitration or arbitration proceeding, or any other claim by Purchaser alleging fraud or relating to the authorization, amount, delivery, quality, or legitimacy of the services received.
A “Chargeback” is a type of Dispute that occurs when there is a reversal of a card Payment when the Payment has been disputed by the Purchaser or Issuer with the Network.
As a reminder, “Refunds, Reversals, and Fines,” as well as “Networks,” “Payments,” and all other capitalized terms herein are defined in the 8am Terms of Service.

As a result of a Dispute, we may debit your Settlement Account or settlement funds for the amount of each Disputed Payment. You are immediately responsible to us for all Disputes (including Chargebacks), Refunds, Reversals, or Fines regardless of the reason or timing.

A. Chargeback basics

Regardless of whether you respond to a Payment documentation request, a Chargeback may be debited to your Settlement Account for numerous reasons (see below). If the Issuer submits a Chargeback, we will send you a Chargeback notification, which may also include a request for Payment documentation. Due to the short time requirements imposed by MasterCard, Visa, Discover Network and American Express, it is extremely important that you respond to a Chargeback notification and Payment documentation request within the time frame set forth in the notification. If the Chargeback is not disputed within the applicable time limits set forth by MasterCard, Visa, Discover Network and American Express rules and regulations, reversal rights are forfeited. When disputing a Chargeback, we strongly recommend that you include a detailed rebuttal letter along with all pertinent documents when responding to a Payment documentation request or a Chargeback notification (e.g., contractual agreement). See “Disputing a Chargeback,” below.

If the information you provide is both timely and sufficient to warrant a representment of the Payment and/or reversal of the Chargeback, we will do so on your behalf. However, representment and/or reversal is/are ultimately contingent upon the Issuer and/or Cardholder accepting the Payment under applicable Network guidelines. Representment or reversal is not a guarantee that the Chargeback has been resolved in your favor.

Do not process a Credit Payment once a Chargeback is received. Under Network Rules, you may not re-bill a Cardholder after a Chargeback is received for that Payment, even with Cardholder authorization. The Issuer will credit the Cardholder’s account. Credits issued after a Chargeback has been received may not be recoverable and you may be financially responsible for the Credit as well as the Chargeback.

Likewise, do not process a Refund Payment once a Chargeback is received. Refunds issued after a Chargeback has been received may not be recoverable and you would be financially responsible for the credit as well as the Chargeback.

Network Rules require that a merchant make a good faith attempt and be willing and able to resolve any disputes directly with the Cardholder. Once a Chargeback has been initiated, the Discover Network rules and regulations prohibit you and/or us from contacting the Cardholder directly, except as required for acceptance of Discover Network Payments.

B. Retrieval requests

“Retrievals” are non-financial requests for information on a transaction. If the Issuer submits a retrieval request, we will send you a Dispute notification, which may also include a request for transaction documentation. "Retrievals" may also be called "Requests for information.”

C. Chargeback best practices

Due to the short time frames and the supporting documentation necessary to successfully (and permanently) reverse a Chargeback in your favor, we strongly recommend the following:

Avoid Chargebacks by adhering to the guidelines and procedures outlined in this Guide.
If you do receive a Chargeback, investigate, and if you dispute the Chargeback, submit the appropriate documentation within the required time frame.
Whenever possible, contact the Cardholder directly to resolve the dispute, unless the dispute relates to a Discover Network Cardholder, in which case direct contact with the Discover Network.
Cardholder contact regarding the dispute is prohibited by Discover Network Card Organization Rules.
Obtain all authorizations in writing/text. Verbal contracts and authorizations are not accepted.
Be sure your terms/conditions, cancellation policy, and fee structure are clearly outlined and agreed to in writing by the cardholder. If business is conducted electronically, “click to accept” terms/conditions are accepted, as well as electronic signatures.
Always enter the correct billing address and CVV code when taking a credit card Payment manually. If the cardholder is present, obtain a signature on the receipt.
Make sure the name on the credit card matches your client. If not, you may need to obtain a third-party authorization prior to running the card.
Keep detailed records of the work performed for up to 2 years from the date of service. Cardholders typically have 180 days to dispute a Payment. The cardholder’s bank has up to 2 years to file the dispute.
Refunds should be made via the same credit card used in the original Payment.
If you have any questions, call our Risk Department.

D. Retrieval and Chargeback deadlines

Each Network has different deadlines to submit supporting documentation for a Chargeback case, and these deadlines are subject to change. If you fail to respond to a retrieval case, you may forfeit your rights to dispute the resulting Chargeback.

Documentation is submitted to “Merchant Services” (the dispute committee for the card brands). Merchant Services generally makes a decision on the case within 45 days, but this can take longer.
Retrievals are considered “fulfilled” once the request for information has been satisfied. No further action is needed at this time.
If the Chargeback decision is in your favor, the funds will remain in your account, or, if they were debited during the Chargeback process, will be credited back within 2-3 business days.
The cardholder then has the right to file a 2nd Chargeback or pursue arbitration if they wish to continue the dispute.

E. Disputing a Chargeback

In many but not all cases, you may have the ability to challenge a Chargeback by submitting evidence through the API or the Website, or directly through our support team. We may request additional information to provide to the Networks and Banks to assist you in contesting the Dispute, but we cannot guarantee that your challenge will be successful. Networks and Banks may deny your challenge for any reason they deem appropriate. Where a challenge is entirely or partially successful, your Settlement Account will, subject to our exercise of our rights under Part II.9 below, be credited with the funds associated with the Payment that is the subject of the Dispute (or a portion thereof). You may not submit a new Payment which duplicates a Payment that is subject to a Dispute. You are also prohibited from individually billing or collecting from a Cardholder for any purchases or Payments made or received through the Payment Processing Services unless (i) a Chargeback has been exercised, (ii) you have fully paid the associated Payment, and (iii) you are otherwise permitted to pursue the Cardholder by the Network Rules and applicable laws.

As a courtesy, 8am will attempt to notify you of any Chargeback via email.

Respond quickly with documentation to support your case
Documentation requested includes:
Proof of cardholder authorization
Receipt bearing the cardholder’s signature, a mag-swiped or chip-read receipt, or evidence of a positive AVS (billing address) and CVV security code match and IP address
Proof of services rendered
Additional accepted forms of documentation include:
Itemized billing invoices
Emails
Phone log records
Credit card authorization forms
Third party authorization forms
Sign-In sheets
Sensitive information may be redacted if necessary, however, it is important to show the work performed for the cardholder.
If you do not wish to dispute the Chargeback, you may simply inform 8am and the funds will be returned to the cardholder through the Chargeback process.

If we Dispute the Chargeback on your behalf and represent the Payment to the Issuer, the Issuer, at its sole discretion, may elect to submit the matter for pre-arbitration before the applicable Network. If you wish to continue in the Dispute process, you must also agree to pre-arbitration. The Issuer then has the discretion to file arbitration or not. The Network may charge fees for review, filing, representment, arbitration, or other applicable processes. You will be responsible for all such fees and charges whether or not a decision is made in your favor, and any other applicable fees and charges imposed by the Network, as they may change from time to time. Such fees and charges will be debited from your Settlement Account or settlement funds, in addition to the Chargeback amount if you lose the Dispute.

F. Excessive Chargebacks

Each of the Networks has established excessive Dispute rates, measured as the monthly Dispute rate as compared to total processing volume (“Excessive Chargeback Rates”). The limits which determine Excessive Chargeback rates, and the way Excessive Chargeback Rates are calculated vary from Network to Network and are subject to change at any time. We reserve the right to terminate your Account or this Agreement if any of your Accounts exceeds any applicable Excessive Chargeback Rate, or for any reason based on the perceived risk of the account due to increased Dispute activity or inability to collect on disputes. The Networks may also take action under the Rules, including by placing processing restrictions on an Account or even suspending your right to accept cards.

4. Fraud

You are responsible for all losses you incur when lost or stolen Payment credentials or accounts are used to purchase products or services from you. 8am does not and will not insure you against losses caused by fraud under any circumstances. For example, if someone pretends to be a legitimate buyer but is a fraudster, you will be responsible for any resulting costs, including Disputes.

5. Reserves

If we impose a Reserve, we will establish the terms of the Reserve and will notify you of the amount, timing, and conditions upon which the funds in the Reserve will be released to you. The reserve amount will be established in our discretion. We may change or condition the terms of the Reserve based on our assessment and understanding of the risks associated with your Account, if required to do so by Networks or Banks, or for any other reason. We may fund the Reserve with funds processed through your use of Payment Processing Services, by debiting the Settlement Account or another bank account associated with your 8am Account (other than a Trust Account), or by requesting funds directly from you.

6. Settlement and payout schedule

A. Settlement to your settlement account

8am will, with its banking partners, arrange to settle funds to the bank or other financial institution account that you designate on our Website (your “Settlement Account”). A positive balance in your Account will result in settlement to your Settlement Account and a negative balance in your Account will result in a deduction, set-off and/or debit of the amounts owed in accordance with Part II.9 below. We may reduce the amount settled to your Settlement Account by the amount of Fees, Fines, and amounts owed to us for any reason. You represent and warrant to us that you are authorized to initiate settlements to and debits from the Settlement Account. If a settlement or debit is processed via ACH, you acknowledge that the NACHA Operating Rules will apply to the settlement or debit, and you agree to be bound by these rules.

B. Payout schedule

The term “Payout Schedule” refers to the time it takes for us to initiate settlement to your Settlement Account. Your Payout Schedule is communicated to you from time to time by us. 8am may require a holding period before making initial settlement to the Settlement Account. After the initial settlement of funds, we will settle funds to the Settlement Account according to the Payout Schedule; however, please be aware that a Network, a Bank, or the financial institution holding your Settlement Account, may delay settlement for any reason. We are not responsible for any action taken by the institution holding your Settlement Account to not credit the Settlement Account or to otherwise not make funds available to you as you expected.

We reserve the right to change the Payout Schedule or to suspend settlement to you. Examples of situations where we may do so are: (i) where there are pending, anticipated, or excessive Disputes, Refunds, or Reversals; (ii) in the event that we suspect or become aware of suspicious activity; or (iii) where we are required by applicable law or court order. We have the right to withhold settlement to your Settlement Account upon termination of this Agreement if we reasonably determine that we may incur losses resulting from credit, fraud, or other legal risks associated with your Account. If we exercise our right to withhold Settlement for any reason, we will communicate the general reason for withholding Settlement and give you a timeline for releasing the funds.

C. Incorrect settlement

The information required for settlement will depend on the financial institution holding the Settlement Account. You are responsible for ensuring that any information about the Settlement Accounts that you provide to us is accurate and complete. If you provide us with incorrect information (i) you understand that funds may be settled to the wrong account and that we may not be able to recover the funds from such incorrect Payments, (ii) you agree that you are solely responsible for any losses you or third parties incur due to erroneous settlement transactions, (iii) you will not make any claims against us related to such erroneous settlement transactions, and (iv) you will fully reimburse us for any losses we incur

7. Reconciliation and error notification

We will provide you the ability to review Payments, Payment history, and other activity on your Account. Except as required by applicable law, you are solely responsible for reconciling the information generated by your use of Payment Processing Services with your records of Payments, and for identifying any transaction errors. You agree to review your Account and immediately notify us of any errors. If you fail to communicate a Payment error to us for our review without undue delay and, in any event, within 60 days after the erroneous information is made available to you in your Account, you waive your right to make any claim against us, the Networks, or any Bank we work with for any amounts associated with the Payment error.

8. Dormant accounts

If you leave any funds dormant in an Account and you do not give us instructions where to send them, we may be required by applicable law to deem the funds to be abandoned by you, and to deliver them to various government agencies. To the extent required by applicable law, we will attempt to provide you notice if we hold funds payable to you in an account beyond the applicable dormancy period for abandoned property. If we are unable to contact you, we will treat the funds in your Account as abandoned, and we will deliver them to the appropriate government authority.

PART II: NETWORK AND ACH RULES

1. Network rules

When accepting Payments by card, you must comply with all applicable Network Rules, including the Network Rules specified by the Visa Core Rules and Visa Product and Service Rules specified by Visa U.S.A., Inc. and Visa International (“Visa”), the MasterCard Rules specified by MasterCard International Incorporated (“MasterCard”), the American Express Merchant Regulations-U.S specified by American Express (“American Express”), and the Discover Network Rules specified by Discover Financial Services, LLC (“Discover”), in each case, as amended from time to time. Collectively, Visa, MasterCard, American Express and Discover are referred to in this Agreement as the “Networks”. The Network Rules are incorporated into this Agreement by reference.

As of October 2025, the Network Rules can be viewed at:

Visa – https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf
MasterCard – https://www.mastercard.us/en-us/business/overview/support/rules.html
American Express – https://www.americanexpress.com/merchantopguide
Discover – may be obtained by contacting Discover

You may only accept Payments using cards for bona fide legal commercial transactions for goods or services that are free of liens, claims, and encumbrances, and you may only use Network trademarks or service marks consistent with the Network Rules. You acknowledge that the Network Rules also limit your ability to discriminate by card type or charge surcharges for acceptance of cards, and you may only charge surcharges or convenience fees for your acceptance of cards in accordance with the Network Rules.

The Networks may amend the Network Rules at any time without notice to you or 8am, and 8am reserves the right to change the Payment Processing Services at any time to comply with the Network Rules. We may share with the Networks (and the Banks) information you provide to us that we use to identify the nature of your products or services, including the assignment of your business activities to a particular Network merchant category code (MCC).

When you accept card Payments, Network Rules specifically prohibit you from (i) providing cash refunds for a Payment on a credit card, unless required by applicable law s, (ii) accepting cash, its equivalent, or any other item of value for a Refund, (iii) acting as a Payment intermediary or aggregator, or otherwise reselling Payment Processing Services on behalf of others, (iv) submitting what you believe or know to be a fraudulent Payment, or (v) using Payment Processing Services in a manner that is an abuse of the Networks or a violation of the Network Rules.

If you misuse the Payment Processing Services for card Payments or engage in activity the Networks identify as damaging to their brand, or if we are required to do so by the Network Rules, we may submit information about you, Representatives, your beneficial owners and principals, and other individuals associated with your 8am Account, to industry-wide lists of terminated or high-risk merchants which may include but is not limited to MATCH, VMSS or the Merchant Negative File. Addition to one of these lists may result in your inability to accept Payments from cards. You understand and consent to our sharing this information and to the listing itself, and you waive your rights to bring any direct claims against us that result from such reporting. In addition, you will fully reimburse us for any losses we incur from third-party claims related to such reporting. Our reporting of information under this paragraph is separate from any other right that we may exercise under this Agreement, and we may separately terminate this Agreement or suspend your Account due to the misuse or damaging activity that caused us to make the report.

A. Prohibited merchants

The businesses and activities identified in the 8am Prohibited Businesses List, which 8am may update from time to time without notice, are prohibited; provided, however, if you are a customer of 8am MyCase and your processor is WorldPay, LLC, the businesses and activities identified under the section titled “Prohibited Activities” of the 8am MyCase Payment Terms are prohibited.

2. ACH PAYMENTS AND RULES

A. Overview

The ACH network is controlled and managed by the National Automated Clearinghouse Association (NACHA) and its member organizations. When submitting Payments over the ACH network, you are required to comply with the NACHA Operating Rules. NACHA may amend the NACHA Operating Rules at any time, and we may amend this Agreement or make changes to the Payment Processing Services as necessary to comply with the NACHA Operating Rules.

You understand and accept your role as the Originator (as defined in the NACHA Operating Rules). You agree to obtain your Purchaser’s consent to debit or credit their bank account and initiate a Payment over the ACH network. Such consent must be in a form and manner that complies with the NACHA Operating Rules and the Documentation for ACH Payments. As with other Payment Processing Services, you may not send or receive funds to or from a person, entity, or state where such Payments are prohibited by applicable law, nor may you attempt to send or receive such funds. You also agree to maintain the security and integrity of all information you collect as part of an ACH Payment.

You authorize us to act on your behalf as your agent to receive and process ACH Payments from your Purchasers in connection with your use of the Payment Processing Services. When we receive funds from your Purchasers on your behalf through ACH Payments, you hereby agree that you shall consider our receipt of such funds to be the same as your receipt of such funds, regardless of the time at which you actually receive settlement funds with respect to the underlying Payment. Accordingly, you shall ensure that your Purchasers are given credit for the transactions underlying any Payment submitted using the ACH network at the time we receive funds on your behalf.

B. Disputes

An ACH Payment can be revoked by the Purchaser or their bank for up to 60 days without any recourse. This means that within 60 days following the ACH Payment, there is no dispute process permitting either you or us to defend the authorization. After 60 days, there may be a dispute process available based on the reason for the late ACH Payment return, in which case we will reach out to you and request supporting documentation. The maximum period of time a payor has to revoke an ACH Payment may vary based on applicable NACHA Operating Rules.

If you refund an ACH Payment before it posts to the Bank and the same Payment is rejected or returned, you will be debited twice and are responsible for recouping the funds from the Purchaser. We are unable to do so on your behalf. You should consider this dual liability exposure when processing refunds for pending ACH Payments.

Any unresolved Disputes or unauthorized Payments using the ACH network may result in you becoming unable to accept ACH Payments.