paytech
 Cardiful

Cost per each processed transaction (captured and declined only)

The Provider will invoice either the fixed monthly fee or the total monthly transaction fee as stated above. If the transaction fees collected in a month are less than the minimum monthly commitment, the minimum monthly charge will apply

An Integration marked as (priority) is the same as a regular Integration but has a guaranteed immediate development. If another Integration is currently in progress, a (priority) Integration will be developed right after it.

The Supplier will charge a monthly fee for using technical integrations with external provider APIs that are already established. This fee covers the maintenance and support of these integrations.

The Supplier will charge a fee for adding any new payment method within an existing integration. This fee covers the setup and maintenance of the additional payment method, charged only if upgrading the existing integration requires developer work.

An Additional alternative (non-card) payment method Integration marked as (priority) is the same as a regular Additional alternative (non-card) payment method Integration but has a guaranteed immediate development. If another Integration is currently in progress, a (priority) Integration will be developed right after it.

The Supplier will charge a Bridged Transaction Fee for successful transactions originating from integrated platforms (PIQ, Praxis, BridgerPay), where the Supplier gateway acts as a Bridge receiving such transactions from the aforementioned platforms and sending those over to the software instances of the Licensee. This fee is in addition to the minimum monthly commitment and any other fees and will be invoiced monthly along with other applicable fees.

Provides a comprehensive financial management framework covering merchant and provider accounts, real-time balances, settlements, and financial reporting.

• Supports creation and configuration of Service Agreements, including fees, processing rules, and settlement conditions.

• Displays and Manages balances in real time - processing, available, withdrawal, and rolling reserve - presented in transaction and base-currency equivalents using live exchange rates.

• Supports automated and manual settlement flows, configurable settlement cycles, and fund control mechanisms, with all operations fully logged and auditable.

• Provides tools for operational flexibility including manual adjustments, inter-balance transfers, and automated transfers between processing and withdrawal balances.

• Delivers comprehensive financial reporting and data analytics for reconciliation, monitoring fund flows, and supporting business decision-making.

• Exposes up-to-date balance information via API to enable merchants to monitor funds and manage payout availability programmatically.

Provides a comprehensive monitoring toolkit enabling real-time visibility into system-wide and per-shop/per-terminal processing performance, including number of payments and status distribution. 

• Supports continuous oversight of key business and operational metrics, empowering the client to identify trends, detect anomalies, and make timely informed decisions.

• Delivers two categories of metrics:

- Live gauges for current system state and operational performance.

- Event counters for tracking historical occurrences and flows.

• Includes access to a standard dashboard with a set of predefined widgets covering common monitoring needs, with the option for the client to customize or extend dashboards to fit specific requirements.

• Enables configuration of alerts based on standard metrics, with notifications routed to supported communication channels such as Telegram, Email, or Slack.

paytech will support the client in obtaining the PCI DSS Level 2 compliance certificate. This service includes:

• Full management of the PCI DSS Level 2 certification process.
• Full management of the required testing, vulnerability scans, and audit preparation steps.
• Support in completing the appropriate Self-Assessment Questionnaire (SAQ).
• Coordination and clarification of deliverables for third-party audit vendors (e.g. ASV, QSA).
• Full management of the quarterly vulnerability scans.

Exclusions:

paytech will not author or customize security documentation on behalf of the Partner, nor will it implement technical or organizational measures directly.

paytech will manage and execute the entire process of obtaining PCI DSS Level 1 compliance certification on behalf of the Client: This end-to-end service includes:

• Full management of the PCI DSS Level 1 certification process.
• Provision of comprehensive documentation templates and audit preparation checklists.
• Support throughout vulnerability scanning and penetration testing processes.
• Coordination and advisory support with Qualified Security Assessors (QSAs).
• Ongoing consultation throughout the audit lifecycle.

Exclusions:

paytech will not create custom security documentation or operate internal controls on behalf of the Partner.