1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- ePaisay reserves the unilateral right to impose a Rolling Reserve (standard 5% to 20% for 30-90 days) based on merchant risk tier and volume velocity.
- In the event of suspected fraud, counterfeit complaints, or surge in chargebacks, merchant wallet payouts may be frozen for up to 180 days.
- ePaisay holds an absolute statutory right of offset and contractual lien over seller wallet funds to satisfy unpaid fees, customer refunds, or chargeback fees.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Attempting to rapidly drain or withdraw wallet balances prior to known chargeback or return waves.
- Refusing to maintain the mandated rolling reserve balance assigned during risk tier calibration.
- Disputing the platform's lawful contractual lien over proceeds held for active dispute resolution.
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-346-01 |
Attempting to circumvent reserve hold via multiple high-velocity micro-withdrawals. | Risk Engine Velocity Trigger | Tier 3 (High) | Immediate | Immediate payout freeze, escalation to Senior Risk Committee, 2 Strike Points. |
VIOL-346-02 |
Negative merchant ledger balance remaining unpaid beyond 14 days. | Daily Financial Reconciler | Tier 3 (High) | 14 Days | Storefront de-listed, debt forwarded to international collection agency, offset against linked accounts. |
VIOL-346-03 |
Sudden 300%+ unexplained volume spike without prior compliance clearance. | Volume Velocity Monitor | Tier 2 (Moderate) | 24 Hours | Temporary 48-hour payout review hold pending invoice verification. |
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.