1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- Merchants bear 100% financial liability for payment card chargebacks resulting from fulfillment failure, non-delivery, counterfeit goods, or descriptive defects.
- In the event of an external chargeback, the merchant wallet is debited for the full disputed amount plus the standard $50 USD payment network dispute fee.
- If the merchant provides valid electronic proof of delivery meeting network standards, ePaisay will represent the dispute on the merchant's behalf.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Failing to provide requested shipping documentation to defend an active card network chargeback within 48 hours.
- Maintaining a merchant Chargeback-to-Transaction Ratio exceeding 1.0% in any rolling 30-day period.
- Refusing to reimburse platform dispute processing fees following an adverse bank chargeback determination.
4. Warning & Violation System Enforcement Matrix
Each violation under this section is mapped directly to the automated warning and sanction ladder:
| Violation Code | Offense Description | Detection Method | Severity Tier | Cure Window | Mandatory Sanction |
|---|---|---|---|---|---|
VIOL-3152-01 |
Merchant monthly Chargeback-to-Transaction ratio exceeding 1.5%. | Card Scheme Compliance Daemon | Tier 4 (Critical) | Immediate | Immediate storefront suspension, rolling reserve increased to 35%, card processing review. |
VIOL-3152-02 |
Failure to provide requested evidence to challenge retrieval request within 48h. | Chargeback Defense Portal Timer | Tier 2 (Moderate) | 48 Hours | Dispute defaulted in favor of issuing bank; 1 Strike Point, full deduction assessed. |
VIOL-3152-03 |
Negative wallet balance resulting from multiple simultaneous chargebacks. | Daily Finance Ledger Reconciler | Tier 3 (High) | 7 Days | Payouts suspended across all linked accounts; legal collection referral. |
5. Platform Safe Harbor & Limitation of Liability
Platform Intermediary Status: ePaisay provides the technological marketplace venue connecting independent counterparties. ePaisay is not a vendor, retailer, agent, or guarantor of any product, service, or transaction governed herein.
Total Disclaimer of Warranties: The platform disclaims all warranties of merchantability, fitness for particular purpose, and non-infringement to the fullest extent permissible by applicable law.
Limitation of Damages: In no event shall ePaisay, its officers, directors, or employees be liable for incidental, indirect, punitive, or consequential damages. Aggregate liability is strictly capped at the lesser of $100 USD or platform fees paid in the preceding three months.
Participant Indemnification: The participant agrees to defend, indemnify, and hold harmless ePaisay against any third-party claims, regulatory penalties, legal fees, or damages arising out of violations of this Section.