Terms and Conditions

PayPro Terms of Service.


1. User Obligations

(i) The user agrees not to use PayPro’s and/or Payment Schemes’ Platform in any manner and/or in furtherance of any activity which constitutes a violation of any law or regulation, or which may result in fraud on any person or which may cause PayPro and/or Payment Schemes’ Platform to be subject to investigation, prosecution or legal action.
(ii) Use Bank Account/Card information conveyed to PayPro by Merchant’s software, designed to access the PayPro and/or Payment Schemes’ Platform, only for the purpose of completing the Transactions for which it was furnished, and not to sell or otherwise furnish such information to others, unless the Merchant has an independent source of such information.
(iii) Use the PayPro and/or Payment Schemes’ Platform in accordance with the terms and conditions stipulated by the PayPro and/or Payment Schemes’ Platform from time to time and not to attempt to modify, translate, disassemble, decompile or reverse engineer the PayPro and/or Payment Schemes’ Platform, or use it for any purpose other than for the utilization of the PayPro and/or Payment Schemes’ Platform without the prior express written consent of PayPro.
(iv) To comply with PayPro’s “know your customer” (KYC) requirement and to provide all the correct information about itself.
(v) To provide an account maintenance certificate (Required for Payment Schemes Services only).

2. Merchant Obligations

(i) Merchant shall at all times comply with applicable laws, rules and regulations in so far as relevant to its use of the PayPro’s and/or Payment Schemes’ Platform.
(ii) Merchant shall not process or deposit Transactions with the Acquirer/Platform Provider for any other merchant establishment who may or may not be a Merchant.
(iii) Merchant shall not accept payment from a Customer to re-finance an existing debt.
(iv) Merchant must ensure that the extraction of data from the Payment Instrument must be in the manner specified by PayPro.
(v) Merchant in handling Transactions via PayPro and/or Payment Schemes’ Platform and/or 1LINK Member Banks must deliver a digital or paper copy bill to the Customer mentioning the Transaction Amount.
(vi) Merchant shall not require any customer to pay any surcharge, to pay any part of the discount whether through any increase in price or otherwise, or to pay any contemporaneous finance charge in connection with the Transaction in which a Payment Instrument is used.
(vii) Merchant hereby grants PayPro a non-exclusive, royalty-free limited license to use, display and reproduce the trademarks, service marks and logos of the Merchant solely in connection with the PayPro Platform’s marketing of the Payment Aggregation Service.
(viii) The Merchant irrevocably authorizes PayPro to include its name in any directory or promotional material produced in connection with the acceptance of PayPro.
(ix) Merchant shall observe all security measures on their Website and/or Mobile Application as may be prescribed by the Payment Schemes’ , 1LINK and/or PayPro with respect to the acceptance of any Bank Account/Card for payment of any Electronic Transaction emanating there from.
(x) Merchant shall comply with all instructions, provided in writing (in digital or physical copy), whatsoever given to Merchant by PayPro in relation to payments collected against any Electronic Transactions carried out in pursuance to any payment instructions.
(xi) In case of dispute, chargeback, retrieval, and/or fraudulent activity including any act of theft or card skimming, the Acquirer/Platform Provider reserves the right to refund the Accountholder/Cardholder using the merchant’s funds available with the Acquirer/Platform Provider irrespective of the order and/or transaction against which the funds were received by the Acquirer/Platform Provider and in case of non-availability of funds, the Acquirer/Platform Provider reserves the right to recover the funds from the merchant either in good faith or by legal mea ns.

3. Transaction & Settlement

(i) Subject to the terms of this Agreement, PayPro, in its capacity as a Payment Aggregator & an Acquirer/Platform Provider, shall ensure that the merchant gets settled within one (1) Banking Day in case of Account Based (Push) Payments and/or Account Pull Payments and at least five (5) Banking Days in case of Payment Schemes based payments unless in case of unforeseen circumstances, the merchant would be informed the reason for the delay in writing or picture form, orally, machine readable form, whether analogue, digital or electronic, or through access to the Disclosing Party’s premises.
(ii) Following the day on which the Transactions take place, the Acquirer/Platform Provider’s Commission will be calculated on related Transactions processed and accepted by PayPro’s Platforms (Account Based (Push), Account Pull and Payment Schemes’ {such as MasterCard, Visa or any other scheme}).
(iii) That the Transaction information relates to a genuine Transaction in compliance with this Agreement.
(iv) Merchant shall retain any relevant correspondence relating to an E-Transaction including a Sales Record, for a minimum period of five (5) years from the date of Authorization.

4. General Obligations

(i) The Scheme Rules, PSO/PSPs’ SOCs and Acquirer/Platform Provider’s Policies, including any reflected in this Agreement provided to you from time to time or made publicly available by a Payment Schemes’, 1LINK and/or PayPro.
(ii) All applicable laws, including those requirements which apply to the sale of Products and/or Services by Merchant in connection with the Electronic (Account Based {Push and/or Pull} and Card Based) transactions along with the execution and performance of your obligations in good faith by you under this Agreement; and State Bank of Pakistan.
(iii) Merchant’s obligations relating to the sale and/or provision of products and/or services by Merchant to its Customers.

5. Accepting Payments from Buyers for Goods & Services

(i) Merchant to only accept payments from and/or make reversals to customers in connection with products and/or services which Merchant has sold and/or provided as principal to those customers and only pay such reversals to the customer using the payment method used by the customer for the original electronic transaction.
(ii) Only accept payments and/or make reversals in respect of products and/or services which Merchant has sold and/or provided of which commonly falls within Merchant’s business as identified to PayPro.
(iii) Notify PayPro in writing or in an electronic format (Email) before Merchant makes any change to the nature of the products and/or services which Merchant intends to sale and/or provide of which fall within merchant’s business as identified to PayPro.
(iv) Notify PayPro in writing of the URL of any website where Merchant accepts or states that Merchant will accept payments by Digital Banking Channels using the Online Payment Solution (such notification is to be made to PayPro before the Merchant accepts any such payment).
(v) Only accept payments and submit data to PayPro in respect to Electronic Transactions which a customer had authorized in accordance with applicable law, this Agreement, the Scheme Rules, PSO/PSPs SOCs, Acquirer/Platform Provider’s Policies and any other information or instructions provided by the Payment Schemes’, 1LINK and/or PayPro.
(vi) Refrain from doing anything which PayPro reasonably believes to be disreputable or capable of damaging the reputation or goodwill of the Payment Schemes’, 1LINK and/or PayPro.
(vii) Except as provided, Merchant indemnifies PayPro and its agents, representatives, and employees from all obligations of Merchant towards their Customers for the purposes of the Agreement in so far that such obligations may adversely affect, cause economic loss or may result in any proceedings, claims, or actions against PayPro. Merchant understands and agrees that PayPro is merely providing Online Payment Solution for Merchant and any breach of its obligations towards PayPro under the Agreement may render PayPro liable towards the Payment Schemes’, 1LINK and/or NiFT. Merchant fully agrees to completely indemnify and hold harmless PayPro of the law and in relation to any consequence arising thereof.

6. Disputes

(i) In the event of any “Dispute” between Merchant and a User/Customer whether in relation to any deficient, improper or incomplete product and/or service provided by Merchant or otherwise, PayPro shall not be impleaded as a party to any litigation, arbitration or other proceeding instituted in respect of such disputes and shall be indemnified and held harmless with respect to all consequences arising as a result of any such proceedings.
(ii) Merchant will not refuse the return of goods or cancellation of services because they were originally purchased using electronic means of a Bank Account/Card.

7. Refunds & Chargebacks

(i) In the event of the return of goods or cancellation of services Merchant will electronically refund Accountholder/Cardholder for the net amount of the relevant E-Transaction after deducting the applicable cancellation charges.
(ii) Merchant shall retain any relevant correspondence relating to an E-Transaction including a Sales Record, for a minimum period of five (5) years from the date of Authorization.
(iii) Acquirer/Platform Provider reserves the right to withhold payment to Merchant in connection with an E-Transaction or may recover an amount paid into Merchant’s Account, in any of the following circumstances:
a. Authorization for an E-Transaction is not obtained in accordance with terms set out in the Agreement;
b. E-Transaction data is issued or presented in breach of the Agreement (which may include any operating instruction or procedure guide supplied to Merchant from time to time);
c. Merchant fails to produce to the Acquirer/Platform Provider within seven (07) Banking Days of request, any E-Transaction information required including, for example, the evidence of the delivery confirmation of goods and services;
d. Merchant Account is credited more than once for the same E-Transaction;
e. Merchant has processed multiple transactions for the same accountholder/cardholder or has split a single particular sale for the purpose of authorization;
f. There is any fraudulent activity performed through E-Transaction and investigations are under process and
g. Withhold payment instructions from the Acquirer/Platform Provider or any International or Local Regulatory Body or Investigation Agency or Court of Law.
(iv) In case of dispute, charge back, retrieval and/or fraudulent activity including any act of theft or card skimming, Acquirer/Platform Provider reserves the right to refund the Accountholder/Cardholder using the merchant’s funds available with the Acquirer/Platform Provider irrespective of the order and/or transaction against which the funds were received by the Acquirer/Platform Provider and in case of non-availability of funds, the Acquirer/Platform Provider reserves the right to recover the funds from the merchant either in good faith or by legal means.
(v) Once the chargeback has been incurred by PayPro the same will be intimated to the merchant and the merchant will be liable to pay a financial service charge equivalent to the % MDR + tax per chargeback of the original transaction. This amount will be adjusted against the merchant’s settlement (payment) or can be paid directly to PayPro via cheque or Bank Transfer.
(vi) PayPro will not be liable to refund any amount including Subscription/Setup/Integration and Security Deposit incase chargebacks are incurred to the merchant.

8. Indemnity

(i) Except as provided, Merchant indemnifies PayPro and its agents, representatives and employees from all obligations of Merchant towards their Customers for the purposes of this Agreement in so far that such obligations may adversely affect, cause economic loss or may result in any proceedings, claims, or actions against PayPro.
(ii) Merchant understands and agrees that PayPro is merely providing Online Payment Solution for Merchant and any breach of its obligations towards PayPro under this Agreement may render PayPro liable towards the Payment Schemes’ 1LINK. Merchant fully agrees to completely indemnify and hold harmless PayPro of the law and in relation to any consequence arising thereof.

9. Prohibited & Banned items

Merchant warrants and guarantees that the following products and/or services will not be offered, sold or delivered or any Website or Mobile Application:

i. Firearms
ii. Alcohol
iii. Explosives
iv. Pornography materials or any related or similar good or service of any kind whatsoever
v. Live animals
vi. Banned and/or illegal drugs or other controlled substances
vii. Fireworks or pyrotechnic devices or supplies
viii. Hazardous materials, combustibles or corrosives
ix. Bulk email software or mailing lists
x. Gambling transactions
xi. Multi-level marketing collection fees
xii. Matrix websites or websites using a matrix scheme approach
xiii. Promotion or information in relation to working from or at home
xiv. Website promotion or search engine registration fees
xv. Wire transfer products and services
xvi. Any other goods, products or services which do not comply with any applicable law or regulation whether federal or provincial laws of the Islamic Republic of Pakistan

10. Confidentiality & Security

(i) Merchant shall ensure or cause to be ensured the confidentiality of all information submitted by a user/customer on the Website or Mobile Application. Merchant shall ensure or cause to be ensured that there are proper encryption and security in place to prevent hacking of data. In the event, of any loss and/or damage due to any act, which is beyond the control of Merchant, including any hacking of the Website or Mobile Application such loss and/or damage shall be solely borne by Merchant with the complete exclusion of PayPro.
(ii) Merchant shall take all precautions as may be feasible to ensure there is no breach of security and that the integrity of the link between the Website and/or Mobile Application & PayPro’s Internet Payment Gateway (IPG) for the delivery of the Online Payment Solution is maintained at all times during the term of the Agreement. In the event of a loss and/or damage being caused by the link being compromised any such loss and/or damage shall not be on the account of PayPro; whereas the Merchant shall hold PayPro harmless and indemnified against any claim, as adjudicated by a court of competent jurisdiction that may be brought against PayPro in this regard.

11. PayPro Copyright and Trademarks

“PayPro.com.pk,” “PayPro,” and all logos related to the PayPro Pvt Ltd. are either trademarks or registered trademarks of PayPro and licensors. You may not copy, imitate, modify or use them without PayPros prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, of PayPro. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos for the purpose of directing web traffic to the PayPro.com.pk. All right, title and interest in and to the PayPro websites, any content thereon, the technology, and any content created or derived from any of the foregoing is the exclusive property of PayPro and its licensors.

12. Other Businesses

Parties other than PayPro, will provide services or software, or sell product lines through the PayPro site. In addition, we provide links to the sites of affiliated companies and certain other businesses. If you purchase any of the products or services offered by these businesses or individuals, you are purchasing directly from those third parties, not from PayPro. We are not responsible for examining or evaluating, and we do not warrant, the offerings of any of these businesses or individuals (including the content of their Web sites). PayPro does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.

13. Disclaimer

The content and functionality on the website is provided with the understanding that PayPro is not engaged in itself for making payments. PayPro is an intermediary between banks, Payment Service Organizations, (PSO), Merchants and their users. All content and functionality on the website is provided “as is,” without warranty of any kind, either express or implied, including, without limitation. PayPro makes no warranties, express or implied, as to the accuracy, or adequacy of the website or that the services provided or the functionality on this website will be uninterrupted or error-free or free from any virus or other malicious, destructive, or corrupting code, or program. Users hereby acknowledges that the use of this website and services is at their sole risk. under no circumstances shall PayPro or any of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives, attorneys and their respective heirs, successors or assigns be liable for any damages, including direct, incidental, punitive, special, consequential or exemplary damages that directly or indirectly result from the use of, or the inability to use, this website or the services, including for viruses alleged to have been obtained from the website, even if PayPro has been advised of the possibility of such damages or losses and regardless of the theory of liability.

14. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of Pakistan. Any dispute between the Parties, unless amicably settled, shall be referred to the competent court in the Pakistan whose decision shall be final and binding on the Parties.