Razorpay Payment Gateway: Integrações e soluções personalizadas

Integrações e soluções personalizadas

Welcome to Stripe This Stripe Services Agreement ("Agreement") is an agreement between Stripe India Private Limited ("Stripe", "we", "us" or "our") and Stripe India Private Limited ("Stripe"). ("Stripe", "we" or "us") and the entity or person who registers on the Stripe account page for payment processing, data, technology and analytics services, and other business services provided by Stripe and its subsidiaries (collectively, the "Services"). ") between you and the entity or person who registers on the Stripe Account page to access payment processing, data, technology and analytics services, and other commercial services provided by Stripe and its affiliates (collectively, the "Services") (hereinafter referred to as "You", "Your" or "User"). Depending on your location, the location of your customers, and the nature of the services provided by Stripe, we may employ service providers, sub-processors, and Stripe affiliates to assist in providing the Services to you. A list of current service providers, sub-processors and Stripe affiliates that we may use is available [here]. This Agreement sets forth the terms and conditions of your use of the Services.

If any part of this Agreement is unclear, please consult with us before using the Services. You may not access or use any of the Services unless you agree to abide by all of the terms and conditions in this Agreement.

This Agreement outlines a general overview of the services that Stripe may provide, including services that enable you to accept payments from customers of your goods or services or donors to your organisation (your "Customers"). We provide a more detailed description of the Services through published software libraries and application programming interfaces (collectively, "APIs"), as well as other resources available on our website.

In order to use the Services, you must register with Stripe and create an account ("Stripe Account").Section A explains the process of registering for and using your Stripe Account.Section B details your use of the API and the Services.Section C describes the Payment Processing Service, a type of service provided by Stripe. a type of service.Section D covers the appropriate processing, management, and use of data generated during your use of the Services, including your customer data. Finally, Section E outlines your liability to Stripe for all losses related to your Stripe account, your agreement to resolve all disputes with Stripe through arbitration rather than litigation, and other legal terms applicable to you.

a. Registration and Permitted Activities: Only businesses (including self-employed persons) and other entities or individuals located in India are eligible to apply for a Stripe account to use the Services described in this Agreement.Stripe and its Affiliates may provide the Services to you or your Affiliates in other countries or territories under separate agreements.

To register for a Stripe Account, you or your representative must provide us with your business or trading name, physical address, email, telephone number, business and tax identification numbers, URL, the nature of your business or activities, and other information we request. We may also collect personal information (including name, date of birth, and government-issued identification number) about your beneficial owners, key people, and your Stripe Account administrator. Your Stripe Account will only be available on an initial basis until we review and approve all required information and we may terminate it at any time for any reason.

If you use a payment processing service, your name (or the name used to identify you) and URL may appear on your customer's bank or other billing statements. To minimise confusion and avoid potential disputes, these descriptors must be recognisable to your customers and must accurately describe your business or activities. You may only use the Payment Processing Services to facilitate transactions with your customers. You may not use the Payment Processing Services to send money to others, to conduct personal or non-commercial transactions, or for any other purpose prohibited by this Agreement.

b. Business Representatives: You and your Representative each confirm to Stripe that (i) your Representative has the authority to provide the information described in this Section A.2 on your behalf and to bind you to this Agreement; and (ii) you and your Representative are not "incapable of contracting" within the meaning of the Indian Contract Act (1872) (unless you are an individual or self-employed person and are under 18 years of age, in which case the special requirements set forth in subsection (b) of this Section will apply). unless you are an individual or self-employed person and you are under 18 years of age, in which case the special requirements set out in the following subsection (b) of this section will apply). We may require you or your representative to provide additional information or documentation to prove your representative's authorisation. You or your representative may not register or attempt to register for a Stripe account on behalf of a user whose use of the Services has previously been terminated by Stripe without the express written consent of Stripe.

If you are self-employed or a sole trader, you and your representative must also acknowledge that your representative is personally responsible and liable for your use of the Services and for your obligations to your customers (including the payment of any amounts due under this Agreement). The following special requirements apply to persons under the age of 18. If you are an individual or self-employed person and you are under the age of 18, but you have reached the age of 13, your representative must be your parent or legal guardian. If you are a legal entity owned directly or indirectly by an individual under the age of 18, but the individual is over the age of 13, your representative must have the approval of your board of directors or authorised officer. Any such approved board of directors, authorised officer, parent or legal guardian shall be liable to Stripe and shall be legally bound by this Agreement as if it had agreed to the terms of this Agreement. If you are under the age of 13, you may not use the Services.

c. Verification and Coverage: At any time during the term of this Agreement and your use of the Services, we may ask you to provide additional information to verify beneficial ownership or control of the business, to verify the information you have provided, to verify the identity of you or your representatives, and to assess the risks associated with your business. Such additional information may include commercial invoices, copies of government-issued identification documents, business licences or other information relating to your business, its beneficial owners or key persons. If you use the Payment Processing Service, we may also require you to provide copies of financial statements or records relating to your compliance with this Agreement or require you to provide personal or corporate guarantees. Failure to provide such information or materials may result in the suspension or termination of your Stripe account.

You authorise us to obtain information about you from our service providers and other third parties (including banks, credit reporting agencies and information bureaus) and you authorise and instruct such third parties to compile and provide such information to us. You acknowledge that this may include your name, address, credit history and other data about you or your representatives. You acknowledge that we may use your information to verify any other information you provide to us and that any information we collect may affect our assessment of your overall risk. You acknowledge that in certain circumstances, such information may result in the suspension or termination of your Stripe account and that Stripe may periodically update such information as part of our underwriting criteria and risk assessment process.

d. Modifying Your Business to Keep Your Stripe Account Current: You agree to keep the information in your Stripe Account current. You must promptly update your Stripe Account to reflect any changes affecting you, the nature of your business activities, your representatives, beneficial owners, principal persons or any other relevant information. If you fail to keep such information current, we may suspend your Stripe Account or terminate this Agreement.

You further agree to notify us in writing no later than three days after any of the following occurs: you are the subject of any voluntary or involuntary petition, action, proceeding, receivership or similar action in bankruptcy or insolvency (collectively, "Bankruptcy Proceedings"); there is an unfavourable change in your financial condition; you are planning or anticipating liquidation or a a material change in the nature of the underlying business; a transfer or sale by you of all of your assets totalling $25% or more, or any change in the control or ownership of your business or parent entity; or the receipt by you of a judgement, writ or order of garnishment, lien or attachment against all of your assets totalling $25% or more. You may only use the Services to conduct legitimate transactions with your customers. You know your customers better than we do, and you are responsible for their relationships.Stripe is not responsible for the products or services you advertise or sell, or that your customers purchase using the Services. You acknowledge that you are solely responsible for the nature and quality of the products or services you provide and are responsible for delivery, support, refunds, returns and any other ancillary services you provide to your customers. You will ensure that your website clearly indicates the terms and conditions of these ancillary services and the timelines for processing returns and refunds.

Stripe provides the Services to you, but we have no way of knowing whether any particular purchase, sale, order or other transaction (collectively, "Transaction") is accurate or complete, or consistent with your business. You are responsible for knowing whether a Transaction initiated by your customer is incorrect (e.g., the customer purchased an item they intended to order) or suspicious (e.g., an unusual or large purchase, or a request for shipment to a foreign country where shipments do not normally occur). If you are unsure whether a transaction is incorrect or suspicious, you agree to investigate the transaction and, if necessary, contact your customer before fulfilling or completing the transaction. You are solely responsible for any losses suffered as a result of using the Services as a result of an erroneous or fraudulent transaction.

You expressly agree and acknowledge that Stripe acts solely as a payment intermediary in transactions between you and your customers. We are not, and will not be treated as, (i) a banking company as defined under the Banking Act, 1949; and (ii) a non-banking financial institution as defined under the Reserve Bank of India Act, 1934.

Stripe will provide the Services to you at the rates described on the [page] (the "Fees"), which is linked here and incorporated into this Agreement. Fees include transactions (such as processing payments) and other events related to your Stripe account (such as processing dispute fees). Fees do not include any amounts for Merchant Discount Rates ("MDR Fees"), which will be charged separately in accordance with applicable law.Details of MDR Fees are also described in your Stripe Fee Schedule.Stripe reserves the right to waive any such MDR Fees. For this purpose, MDR Fees means fees applicable to Debit Card, BHIM UPI, Aadhar-Pay transactions and any similar fees charged by a card network or third party service or access provider (other than Stripe) (relating to the process of movement of funds from the customer to you).

We may amend the Fees at any time. However, we will give you at least 30 days' notice (or longer if applicable law requires a longer notice period) before the Fees become effective for you. In addition to the Fees, you are responsible for any fines or penalties imposed on you or Stripe by Stripe or any Payment Method Provider or Payment Method Acquirer (as defined in Section C) arising out of your use of the Payment Processing Services in a manner that does not comply with this Agreement or the Payment Method Provider's rules and regulations, or with applicable law. You are also obligated to pay any taxes, fees and other charges ("Taxes") imposed by any government agency ("Government"), including any value added tax, goods and services tax, provincial sales tax and/or harmonised sales tax. If you are exempt from Taxes, you must provide us with appropriate certificates or other proof of exemption satisfactory to us. Upon our reasonable request, you must provide us with information about your tax affairs.

We will provide you with support for general questions related to your Stripe account and your use of the Services. Such support includes the information and documentation we make available to you through the current version of Stripe's [Documentation], [Documentation], and other pages on our website (collectively, "Documentation"). The most effective way to do this is to review our Documentation. If after reviewing the Documentation you still have questions, please [contact us].

You are solely responsible for providing support to your customers regarding transaction receipts, product or service delivery, support, returns, refunds, and any other issues related to your products and services and business activities. We are not responsible for the support of your customers for the provision of the Services unless we agree to provide it in a separate agreement with you or your customers.

If you have a complaint about the Payment Processing Service, please contact us through the appropriate channels mentioned in our [Complaints Policy].

Our fees do not include any applicable taxes, unless expressly stated to the contrary. You are solely responsible and liable for (i) determining whether any taxes apply, including taxes on the sale of your products and services, the acceptance of donations, or payments received by you for the use of the Services, and (ii) assessing, collecting, reporting, and remitting taxes on your business to the appropriate tax and revenue authorities. If we are required to withhold any taxes, or if we are unable to verify any identifying information you provide to us in connection with taxes, we may deduct such taxes from the amount due and pay them to the appropriate taxing authority. If you are exempt from such taxes, you must provide us with original certificates or other proof of exemption satisfactory to us that meet the requirements of applicable law. Upon our reasonable request, you must provide us with information about your tax affairs.

We may send you and the tax authorities tax information relating to the Services. You agree that we may send tax information to you electronically. We will send you tax invoices, but you are responsible for (a) providing us with the information required to populate the tax invoice in a timely manner and (b) the accuracy of the information you provide (including tax registration numbers). Without limiting the preceding paragraph, you are responsible for paying taxes to tax authorities on any tax deduction source ("TDS") arising from the use of the Payment Processing Services. For this purpose, you must determine the appropriate tax rate, complete the appropriate forms, and make the appropriate TDS payments. After submitting and paying the appropriate TDS amount, you will receive a tax certificate from the tax authorities showing the exact TDS amount paid under Stripe's permanent account number (AAXCS5874N). 如果您在证书发出之日起30天内将证书提交给Stripe至[email protected] Stripe will refund the TDS paid by you (as shown in the certificate).

Stripe may, in its sole discretion, prepay you monthly for TDS if you provide Stripe with a valid Tax Withholding Account Number (TAN).You will complete the appropriate forms, make the appropriate TDS payments to the tax authorities and promptly send Stripe the tax certificates that you have received.If, as a result of your acts or omissions, Stripe is unable to claim or has not received the full credit for any TDS previously prepaid by Stripe, Stripe may debit your Stripe account with the appropriate amount.Stripe will not be liable for any tax, interest or penalties resulting from your acts or omissions, including your delay or failure to pay TDS to the tax authorities.

a. Compliance with Applicable Laws: You must use the Services in a lawful manner and comply with all laws, rules and regulations applicable to your use of the Services and transactions ("Laws"). As applicable, this may include compliance with national and international laws relating to the use or provision of financial services, notice and consumer protection, unfair competition, privacy and false advertising, and any other laws relating to transactions. Subject to our written notice, we may require you and any third party service providers engaged by you to comply with all laws that may be relevant to your use of the Services, whether or not such laws are directly applicable to you or the third party service providers, including compliance with the Reserve Bank of India's ("RBI") circular on "Payment Systems" dated 6 April 2018 (the "Circular"). ("RBI") on 6 April 2018 ("Circular") on "Payment System Data Storage" and any instructions or directions in relation to the Circular and you will comply with them immediately and ensure that your Third Party Service Providers comply with these laws.

b. Restricted Businesses and Activities: You may not use the Services to enable any person (including yourself) to benefit from any activity that Stripe has determined to be a "Restricted Business" (collectively, "Restricted Businesses"). Restricted Business includes the use of the Services in or for, or for the purposes of, any country, organisation, entity or person that is banned or blocked by any government. Please review the list of [RESTRICTED BUSINESS] carefully before registering and opening a Stripe Account. If you are unsure whether a business category or activity is restricted or have questions about how these restrictions apply, please [contact us]. We can add or update the list of restricted businesses at any time.

c. Other Restricted Activities: You may not use the Services to facilitate illegal transactions or allow others to use the Services for personal, family or household purposes. In addition, you may not permit, nor may you allow others to: (i) access or attempt to access non-public Stripe systems, programs, data, or services; (ii) copy, reproduce, republish, upload, post, resell, or in any way distribute any data, content, or any portion of the Services, except as expressly permitted by applicable law; (iii) act as a service bureau or non-value-added agent for the Services ; (iv) assign any rights granted to you under this Agreement; (v) circumvent any technical limitations of the Services or enable disabled or prohibited features; (vi) reverse engineer or attempt to reverse engineer the Services, except as expressly permitted by applicable law; (vii) perform, or attempt to perform, any action that would interfere with the proper functioning of the Services or affect the use of the Services by other users of our Services; (viii) impose an unreasonable or disproportionately large loads on the Services; or (ix) use the Services for values in excess of the monetary limits prescribed by the Reserve Bank of India ("RBI") from time to time.

We may refuse, impose conditions or suspend any transaction if we believe that it may violate this Agreement or other agreements you may have with Stripe; be unauthorised, fraudulent or illegal; or expose you, Stripe or others to risks unacceptable to Stripe. If we suspect or know that you are using or have used the Services for unauthorised, fraudulent or unlawful activities, we may share any information about such activities with appropriate financial institutions, regulators or law enforcement agencies in accordance with our legal obligations. Such information may include information about you, your Stripe account, your customers, and transactions conducted through your use of the Services.

a. Consent to Electronic Disclosure and Notification: This document is an electronic record under the Information Technology Act 2000 ("IT Act") and its related regulations (collectively, the "IT Regulations") and is subject to the IT Act and all other applicable laws governing electronic records. and all other applicable laws governing electronic records. By clicking the Accept button, registering for a Stripe account, accessing, using or installing any part of the Stripe API, Dashboard or Services, you expressly agree to be bound by the terms and conditions of this Agreement. Your registration for a Stripe account or access to, use or installation of the Stripe API, Dashboard or any part of the Stripe Services constitutes your electronic signature and your consent to Stripe providing all disclosures and notices ("Notices"), including those required by law. You also agree that your electronic consent will have the following legal effect:

1. you have read and understood all the terms and conditions of this agreement.

2. You agree to comply with the terms and conditions of this Agreement.

3. You agree to accept this Agreement in electronic form.

4. You agree to receive all notices electronically.

You agree that the terms and conditions of this Agreement and all notices are provided in electronic form and that you have the right to receive all notices electronically. You may obtain a copy of this Agreement by the following means:

1. Through the "Agreements" section of the Stripe website.

2. through your Stripe account.

You agree that you may access and receive all notices by:

1. via your e-mail address.

2. through your Stripe account.

You agree that you will retain copies of all notices and can provide them as needed.

You agree that the terms and conditions of this Agreement and all notices are provided in English and you agree to receive all notices in English. If you need to translate the terms and conditions of this Agreement or any of the notices into another language, you will do so at your own risk and responsibility.

You agree that the terms and conditions of this Agreement and all notices constitute the entire agreement between you and Stripe and supersede all prior or contemporaneous agreements, whether oral or written, that may exist between you and Stripe.

You agree that the terms and conditions of this Agreement and all notices shall be governed by and construed in accordance with the laws of India.