Merchant Onboarding Terms

Zpayso offers a secure and streamlined onboarding process for merchants integrating our payment gateway and API services. The terms below outline eligibility, documentation, integration, and operational compliance requirements.

1. Eligibility Criteria

• Be a registered business with SECP or possess valid sole proprietorship documentation
• Hold a valid CNIC of the authorized signatory
• Maintain a bank account titled in the business name
• Offer legal goods or services in accordance with Pakistani law
• Not operate in restricted sectors such as gambling, narcotics, unregulated forex, or adult content

2. Required Documentation

• SECP registration certificate or business proof
• CNIC of the director or business owner
• Bank account maintenance certificate (same-title)
• Official letterhead for communication
• Utility bill or tenancy agreement (for address verification)
• Sample product/service listing or website URL

Zpayso may request additional documentation depending on business model or risk category.

3. Technical Integration Guidelines

• API credentials, sandbox keys, and documentation will be shared upon approval
• Integration must follow Zpayso's token and webhook standards
• API keys must be stored securely; unauthorized sharing may lead to account suspension
• Integration is expected to be completed within 14 days unless otherwise approved

4. Operational Responsibilities

• Merchants are responsible for managing customer service, deliveries, and refund policies
• Merchant policies must align with Zpayso’s platform standards
• Zpayso reserves the right to audit merchant activities for quality and compliance
• Standard settlement terms (e.g., T+1 working day) will be agreed upon during onboarding

5. Suspension and Termination

Merchant access to the platform may be suspended or terminated under the following conditions:

• Evidence of fraud, illegal activity, or misuse of the platform
• High dispute or chargeback ratios
• Failure to maintain updated documentation
• Breach of integration or operational terms
• Regulatory or legal directives requiring suspension

These terms are subject to periodic updates. All changes will be communicated via email or platform notifications.

Effective Date: 09-10-2024