Version: 1.0
Effective Date: 26.08.2026
Published at: 26.08.2026

SECTION 1 — ABOUT THESE CARD PAY-IN TERMS

1.1. Scope

These Fintellex Card Pay-in Terms (the “Card Pay-in Terms”) apply where an Order Form identifies Card Pay-in as a Service provided by Fintellex to the Merchant.

These Card Pay-in Terms form part of the Agreement and apply in addition to the Fintellex General Merchant Terms.

1.2. Application

These Card Pay-in Terms apply only to the Card Pay-in Service identified in the applicable Order Form and do not apply to any other Service unless expressly stated otherwise.

The Merchant shall use the Card Pay-in Service in accordance with the Agreement and the Merchant-specific conditions set out in the applicable Order Form.

1.3. Relationship with the General Terms

The General Terms apply to the Card Pay-in Service except to the extent that a matter is specifically addressed in these Card Pay-in Terms or the applicable Order Form.

In the event of any inconsistency, the order of precedence set out in Section 3.3 of the General Terms shall apply.

1.4. Merchant-Specific Conditions

Merchant-specific conditions applicable to the Card Pay-in Service shall be specified in the applicable Order Form.

SECTION 2 — DEFINITIONS

2.1. Definitions

Capitalized terms not defined in these Card Pay-in Terms have the meanings given to them in the General Terms.

For purposes of these Card Pay-in Terms:

“Authorization” means the process by which approval for a Card Transaction is requested from the relevant Card issuer through the applicable Card Scheme and processing infrastructure.

“Card” means a payment card or other card-based payment credential supported under the Card Pay-in Service.

“Cardholder” means the person authorized to use a Card.

“Card Scheme” means Visa, Mastercard or any other card payment network made available for the Card Pay-in Service.

“Card Scheme Rules” means the applicable rules, standards, operating regulations, technical requirements and procedures of a Card Scheme, as amended from time to time.

“Card Transaction” means a Transaction initiated using a Card and submitted for processing through the Card Pay-in Service.

“Chargeback” means a reversal or recovery of a Card Transaction initiated through a Card Scheme, Acquirer or Card issuer in accordance with applicable Card Scheme Rules.

“E-Shop” means a website, application, platform or other customer-facing environment through which the Merchant offers its products or services and from which Card Transactions are submitted for processing.

“MID” means a merchant identification number or equivalent acquiring or processing identifier assigned or used in connection with the Card Pay-in Service.

“PCI DSS” means the Payment Card Industry Data Security Standard applicable from time to time.

“Refund” means the return of all or part of the amount of a Card Transaction to the relevant Cardholder through the applicable Card payment infrastructure.

“Rolling Reserve” means an amount retained in accordance with the applicable Order Form and these Card Pay-in Terms.

“3D Secure” or “3DS” means the authentication protocol used in connection with Card Transactions in accordance with applicable Card Scheme requirements.

2.2. Card Scheme Terminology

A term used in connection with a Card Scheme, Acquirer or Card processing arrangement may have the meaning assigned to it under the applicable Card Scheme Rules or relevant processing requirements where the context requires.

SECTION 3 — CARD PAY-IN SERVICE

3.1. Service

The Card Pay-in Service enables the Merchant to submit eligible Card Transactions for processing in connection with the Merchant’s approved business activities and E-Shops.

The Card Pay-in Service is provided subject to the Agreement, applicable Card Scheme Rules and the requirements applicable to the relevant acquiring and processing arrangements.

3.2. Approved Use

The Merchant may use the Card Pay-in Service only for the business activities, products, services and E-Shops disclosed to and approved by Fintellex for that Service.

Card Transactions shall relate exclusively to the Merchant’s own approved business activities.

3.3. Supported Processing

The Card Schemes, payment methods, currencies, countries, transaction types, processing routes and other functionality available to the Merchant shall be determined by the applicable Order Form and the processing arrangements available for the Card Pay-in Service.

The availability of particular functionality or a processing route may be affected by Applicable Law, Card Scheme Rules, Acquirer requirements or other relevant processing arrangements.

3.4. Transaction Submission

The Merchant shall submit Card Transactions in accordance with the technical, operational and processing requirements applicable to the Card Pay-in Service.

Card Transactions may be subject to applicable processing, risk, compliance and technical controls in accordance with the Agreement and the relevant processing arrangements.

3.5. Authorization and Processing

Submission of a Card Transaction does not guarantee its Authorization, processing, settlement or finality.

Authorization or processing of a Card Transaction does not, by itself, prevent a subsequent Refund, reversal, Chargeback, Card Scheme action or other adjustment in accordance with the applicable processing arrangements.

SECTION 4 — ACQUIRERS AND CARD SCHEMES

4.1. Acquiring and Processing Arrangements

Fintellex may use one or more Acquirers, processors, Card Schemes and other third-party service providers in connection with the Card Pay-in Service.

Card processing is subject to the relevant acquiring and Card Scheme infrastructure and the requirements applicable to those arrangements.

4.2. Card Scheme Rules

The Merchant shall comply with Card Scheme Rules applicable to the Merchant, its business, E-Shops and Card Transactions to the extent relevant to its use of the Card Pay-in Service.

Where a requirement arising from applicable Card Scheme Rules affects the Merchant’s use of the Card Pay-in Service, the relevant requirement may be communicated to the Merchant in accordance with the Agreement.

4.3. Acquirer and Card Scheme Requirements

Requirements or restrictions arising from an Acquirer, Card Scheme, processor or other relevant processing arrangement may apply to the Card Pay-in Service where applicable.

Where such requirements materially affect the Merchant’s use of the Service, Fintellex shall communicate the relevant information to the Merchant in accordance with the General Terms.

4.4. Changes to Acquiring Arrangements

Fintellex may appoint, replace or change an Acquirer, processor, processing route or other third-party service provider used for the Card Pay-in Service in accordance with the General Terms.

Such change shall not, by itself, require amendment or re-execution of the Agreement.

4.5. Third-Party Processing Decisions

Authorization, acceptance, decline, restriction, monitoring, assessment or other decisions made by an Acquirer, Card Scheme, Card issuer or processor may affect the processing of Card Transactions or availability of the Card Pay-in Service.

Decisions made independently by an Acquirer, Card Scheme, Card issuer or processor are subject to the applicable third-party processing arrangements and Card Scheme Rules.

SECTION 5 — E-SHOPS AND PROCESSING IDENTIFIERS

5.1. Approved E-Shops

The Card Pay-in Service shall be used in connection with the E-Shops approved for the relevant processing arrangement.

Each E-Shop shall remain consistent with the business activities, products and services disclosed to Fintellex and the information on the basis of which the relevant processing arrangement was approved.

5.2. Changes to an E-Shop

The Merchant shall notify Fintellex of any material change to an approved E-Shop, its business model, products or services, or other information relevant to the applicable processing arrangement.

Where a change requires review or approval under the applicable processing arrangement, the relevant change shall be subject to such review or approval before Card Transactions relating to the changed activity are submitted.

5.3. MIDs and Processing Identifiers

A MID or other processing identifier used in connection with the Card Pay-in Service shall relate to the Merchant, E-Shop and processing arrangement for which it is designated.

The use of a MID or processing identifier in connection with another merchant, legal entity, E-Shop or business activity shall be subject to prior approval where required under the applicable processing arrangement.

5.4. Third-Party Processing

Card Transactions submitted through the Card Pay-in Service shall relate exclusively to the Merchant’s own approved business activities.

The Merchant shall not submit Transactions on behalf of, or for the benefit of, another merchant, legal entity or third party, or aggregate third-party Transactions through the Card Pay-in Service.

5.5. Additional E-Shops

Additional E-Shops may be added to the Card Pay-in Service following completion of the applicable review and approval process.

Information or documentation reasonably required for such review shall be provided in accordance with the Agreement.

SECTION 6 — CARD TRANSACTION REQUIREMENTS

6.1. Card Transactions

Card Transactions submitted through the Card Pay-in Service shall arise from the Merchant’s approved business activities and the provision of its products or services to customers.

Transaction information submitted for processing shall accurately reflect the relevant Card Transaction.

6.2. Transaction Information

The Merchant shall provide transaction and customer information required under the applicable technical and processing requirements.

Additional information relating to a Card Transaction may be requested where reasonably necessary for processing, verification, fraud prevention, compliance or applicable Acquirer or Card Scheme requirements.

6.3. Processing Requirements

Card Transactions shall be submitted in accordance with the Agreement, applicable Card Scheme Rules and the requirements of the relevant processing arrangement.

Transactions shall not be structured, submitted or otherwise handled for the purpose of circumventing applicable processing requirements, limits, risk controls or restrictions.

6.4. Transaction Parameters

The Card Pay-in Service may be subject to applicable parameters relating to transaction amounts, volumes, currencies, countries, Card types, transaction types or other processing characteristics.

Merchant-specific parameters, where applicable, shall be reflected in the Order Form or otherwise applied in accordance with the Agreement and the relevant processing arrangement.

6.5. Transaction Records

The Merchant shall maintain records reasonably sufficient to support the validity and underlying commercial basis of Card Transactions.

Such records shall be retained and provided in accordance with the Agreement and any applicable Card Scheme or Acquirer requirements communicated to the Merchant.

SECTION 7 — SECURITY, PCI DSS AND AUTHENTICATION

7.1. PCI DSS

The Merchant shall comply with PCI DSS to the extent applicable to its environment, integration and handling of Card data.

The Merchant shall maintain the applicable evidence of PCI DSS compliance required for its processing arrangement.

7.2. PCI DSS Documentation

Applicable PCI DSS documentation shall be provided to Fintellex upon reasonable request and within the timeframe specified in accordance with the Agreement.

The Merchant shall notify Fintellex without undue delay of any material change affecting its PCI DSS compliance status.

7.3. Card Data Security

Card data and payment credentials shall be handled in accordance with PCI DSS, the applicable technical integration and other security requirements relevant to the Card Pay-in Service.

The Merchant shall maintain appropriate technical and organizational measures for the protection of Card data and payment credentials within its control.

7.4. Security Incidents

The Merchant shall notify Fintellex without undue delay upon becoming aware of a material security incident affecting Card data, payment credentials or systems used in connection with the Card Pay-in Service.

The Parties shall reasonably cooperate in connection with any investigation or remediation required under the applicable security, Card Scheme, Acquirer or regulatory requirements.

7.5. 3D Secure

Card Transactions shall use 3D Secure where required by Applicable Law, Card Scheme Rules, the applicable processing arrangement or Merchant-specific conditions.

The applicable authentication requirements shall be implemented in accordance with the technical requirements of the Card Pay-in Service.

7.6. Additional Security Requirements

Additional security, authentication or fraud-prevention requirements applicable to the Card Pay-in Service may be communicated to the Merchant where required by the relevant processing arrangement or reasonably necessary in response to a material security or fraud risk.

SECTION 8 — TRANSACTION MONITORING AND RISK

8.1. Transaction Monitoring

Card Transactions and use of the Card Pay-in Service may be monitored for fraud, unauthorized activity, compliance, security and other processing risks.

Monitoring may take into account relevant processing information, including transaction patterns, volumes, approval and decline rates, Refunds, Chargebacks and fraud indicators.

8.2. Merchant Controls

The Merchant shall maintain reasonable fraud-prevention and transaction controls appropriate to its business and processing profile.

The Merchant shall reasonably cooperate in the review of material fraud or risk indicators relating to its Card Transactions.

8.3. Processing and Risk Indicators

Fraud, Chargeback and other relevant processing indicators shall remain within applicable Card Scheme, Acquirer and processing requirements and any Merchant-specific conditions set out in the Order Form.

Where a material change in the Merchant’s processing or risk profile is identified, reasonable measures may be applied in accordance with the Agreement and the applicable processing requirements.

8.4. Risk Measures

Measures reasonably required in response to material fraud, Chargeback, compliance, security or other processing risk may include adjustments to applicable processing parameters, authentication or fraud controls, requests for supporting information, or other measures available under the Agreement.

Any reserve, settlement, processing restriction or suspension measure shall be applied in accordance with the relevant provisions of the Agreement.

8.5. Fraud Information and Cooperation

The Merchant shall notify Fintellex without undue delay upon becoming aware of material fraud, unauthorized activity or a material fraud pattern affecting Card Transactions.

The Merchant shall reasonably cooperate in connection with the investigation and mitigation of such activity.

8.6. E-Shop and Processing Monitoring

Approved E-Shops and related Card processing may be reviewed from time to time for continued consistency with the applicable processing arrangement.

Where reasonably necessary for verification, compliance or risk purposes, such review may include test Transactions or other reasonable verification measures.

SECTION 9 — SETTLEMENTS

9.1. Settlement of Card Transactions

Amounts arising from successfully processed Card Transactions shall be included in settlement subject to the Agreement and the applicable processing arrangement.

Settlement currency, frequency, timing and other Merchant-specific settlement conditions shall be specified in the applicable Order Form.

9.2. Settlement Amount

The amount available for settlement shall be determined taking into account processed Card Transactions and any applicable Fees, Refunds, Chargebacks, reversals, reserves, adjustments and other amounts relating to the Card Pay-in Service in accordance with the Agreement.

9.3. Settlement Timing

Settlement periods are calculated in accordance with the applicable Order Form and relevant processing arrangements.

Where settlement depends on receipt or availability of funds through an Acquirer, processor, bank or other relevant payment participant, the corresponding settlement shall be processed following such receipt or availability.

9.4. Settlement Currency and Conversion

Where a Card Transaction is processed in a currency different from the applicable settlement currency, currency conversion may apply.

Unless a specific conversion rate or methodology is expressly agreed in the Order Form, conversion shall be made at the rate and on the terms applicable under the relevant banking, acquiring or processing arrangement at the time of conversion.

9.5. Settlement Adjustments

Settlement amounts may be adjusted to reflect Refunds, Chargebacks, reversals, corrections, Card Scheme or Acquirer adjustments, reserves and other amounts properly attributable to the Card Pay-in Service.

Any such adjustment shall be reflected in the applicable settlement information or otherwise communicated in accordance with the Agreement.

9.6. Settlement Information

Information relating to Card Transactions and settlements shall be made available to the Merchant through the reporting method applicable to the Card Pay-in Service.

The Merchant shall review settlement information and raise any discrepancy in accordance with Section 9 of the General Terms.

SECTION 10 — FEES AND CARD PROCESSING CHARGES

10.1. Fees

Fees applicable to the Card Pay-in Service shall be specified in the applicable Order Form or determined in accordance with the General Terms.

10.2. Transaction-Related Charges

Amounts arising in connection with Card processing, including applicable Card Scheme, Acquirer, processor, banking or other processing charges attributable to the Merchant or its Card Transactions, shall be treated in accordance with the Agreement and the applicable processing arrangement.

10.3. Deductions

Fees and other amounts payable by the Merchant in connection with the Card Pay-in Service may be deducted from settlement amounts or otherwise collected in accordance with Section 7 of the General Terms.

10.4. Insufficient Settlement Amounts

Where settlement amounts are insufficient to cover amounts payable by the Merchant, the remaining amount shall be payable in accordance with the payment provisions of the General Terms.

SECTION 11 — ROLLING RESERVE

11.1. Application of Rolling Reserve

Where a Rolling Reserve applies to the Card Pay-in Service, its applicable rate, calculation basis and standard holding period shall be specified in the Order Form.

Amounts allocated to the Rolling Reserve may be deducted from settlements in accordance with the applicable Order Form.

11.2. Purpose of Rolling Reserve

The Rolling Reserve supports payment-related obligations and exposures arising from the Card Pay-in Service, including Chargebacks, Refunds, reversals and other amounts for which the Merchant is responsible under the Agreement.

11.3. Release of Rolling Reserve

Rolling Reserve amounts shall become eligible for release in accordance with the holding period specified in the Order Form, subject to outstanding or reasonably anticipated payment-related obligations relating to the relevant Card Transactions.

Release may occur progressively as the applicable holding periods for the underlying Card Transactions expire.

11.4. Continuing Exposure

Where payment-related exposure relating to the Merchant or its Card Transactions remains or is reasonably anticipated after the standard holding period, including having regard to the Merchant’s processing and risk profile and relevant processing information, the corresponding amount of the Rolling Reserve may continue to be retained for such additional period as is reasonably required to cover that exposure.

Relevant exposure may include unresolved or potential Chargebacks, disputes, Refunds, Card Scheme or Acquirer assessments, fraud-related claims, extended dispute or liability periods applicable to the underlying Transactions, or other payment-related liabilities arising under the Agreement.

11.5. Reserve Adjustments

Where permitted under the Agreement, the Rolling Reserve conditions may be reviewed in response to a material change in processing volumes, Chargeback or fraud levels, business or processing profile, or requirements applicable to the relevant acquiring arrangement.

Any Merchant-specific change to the Rolling Reserve conditions shall be handled in accordance with the applicable Order Form and the General Terms.

11.6. Application of Reserve Amounts

Amounts held as Rolling Reserve may be applied against amounts payable by the Merchant in connection with the Card Pay-in Service in accordance with the Agreement.

Any remaining balance shall be released when the applicable holding period and relevant payment-related exposure have ended.

SECTION 12 — REFUNDS

12.1. Refunds

Refunds relating to Card Transactions shall be processed through the Card Pay-in Service where required under Applicable Law, Card Scheme Rules, the Merchant’s applicable refund policy or the relevant processing arrangement.

12.2. Merchant Refund Policy

The Merchant shall maintain and apply a clear refund and cancellation policy appropriate to its products or services and consistent with Applicable Law and applicable Card Scheme requirements.

The relevant policy shall be made available to customers through the applicable E-Shop.

12.3. Processing of Refunds

A Refund shall normally be returned through the applicable Card payment infrastructure to the Card used for the original Card Transaction, subject to the applicable processing requirements.

The Merchant shall provide information reasonably required to process or verify a Refund.

12.4. Funding of Refunds

Refunds and applicable Refund-related Fees or charges may be deducted from settlement amounts or other amounts available in connection with the Card Pay-in Service.

Where available amounts are insufficient, the corresponding amount shall be payable by the Merchant in accordance with the Agreement.

12.5. Refunds and Chargebacks

Processing a Refund does not necessarily prevent a Chargeback or other subsequent adjustment where such action is permitted under the applicable Card Scheme Rules.

Where reasonably practicable, the processing information available for the Card Pay-in Service shall be used to avoid duplicate recovery of the same underlying Card Transaction.

SECTION 13 — CHARGEBACKS AND DISPUTES

13.1. Chargebacks

Card Transactions may be subject to Chargebacks in accordance with applicable Card Scheme Rules and the relevant processing arrangement.

The Merchant shall be responsible for Chargebacks relating to its Card Transactions and for applicable Chargeback Fees and other amounts payable under the Agreement.

13.2. Chargeback Information

Information relating to a Chargeback shall be made available or communicated to the Merchant through the reporting or communication method applicable to the Card Pay-in Service.

The Merchant shall review such information and provide any response or supporting documentation within the applicable timeframe.

13.3. Supporting Documentation

Where a Chargeback may be disputed or represented, the Merchant shall provide complete and accurate supporting documentation reasonably required for that purpose.

Applicable documentation requirements and response deadlines may be determined by Card Scheme Rules, the relevant processing arrangement or the timeframe communicated to the Merchant.

13.4. Representment

Where the information and documentation provided by the Merchant support a representment under the applicable Card Scheme Rules, the Chargeback may be submitted for representment through the relevant processing arrangement.

Submission of a representment does not guarantee that the Chargeback will be reversed or resolved in the Merchant’s favour.

13.5. Chargeback Amounts

Chargeback amounts and applicable Fees, charges or adjustments may be deducted from settlement amounts, reserves or other amounts available in connection with the Card Pay-in Service in accordance with the Agreement.

Where available amounts are insufficient, the corresponding amount shall be payable by the Merchant in accordance with the General Terms.

13.6. Chargeback Monitoring

Chargeback levels shall remain within applicable Card Scheme, Acquirer and processing requirements and any Merchant-specific conditions set out in the Order Form.

Where applicable Chargeback levels or indicators require remedial action, the relevant measures shall be handled in accordance with Section 8 and the other applicable provisions of the Agreement.

SECTION 14 — CARD SCHEME AND ACQUIRER ADJUSTMENTS

14.1. Processing Adjustments

Card processing may give rise to adjustments, assessments, charges or other amounts under applicable Card Scheme Rules or the relevant acquiring or processing arrangement.

Amounts attributable to the Merchant, its E-Shops or Card Transactions shall be treated in accordance with the Agreement.

14.2. Card Scheme and Acquirer Assessments

Where a Card Scheme, Acquirer or processor imposes an assessment, fee, charge or other amount attributable to the Merchant, its activities or Card Transactions, the corresponding amount shall be payable by the Merchant to the extent applicable under the Agreement.

14.3. Information

Where reasonably available and appropriate, information relating to a material assessment or adjustment attributable to the Merchant shall be communicated to the Merchant.

The Merchant shall reasonably cooperate in providing information or taking corrective action required in connection with the relevant matter.

14.4. Recovery of Amounts

Amounts payable under this Section may be deducted from settlements, reserves or other amounts available in connection with the Card Pay-in Service, or otherwise recovered in accordance with the General Terms.

SECTION 15 — TRANSACTION RECORDS AND EVIDENCE

15.1. Transaction Records

The Merchant shall maintain records relating to Card Transactions in accordance with Applicable Law, Card Scheme Rules and the requirements applicable to the relevant processing arrangement.

Such records shall be sufficient to reasonably demonstrate the underlying customer transaction and the provision of the relevant products or services.

15.2. Supporting Evidence

Supporting evidence may include, as applicable to the Merchant’s business model, transaction details, customer orders, customer communications, invoices, delivery or service records, acceptance records and other relevant information.

The form of evidence required for a particular matter may depend on the applicable Card Scheme Rules and the nature of the Card Transaction.

15.3. Provision of Records

Transaction records and supporting evidence reasonably required in connection with a Chargeback, inquiry, fraud review, Card Scheme or Acquirer request, or other processing matter shall be provided within the applicable timeframe.

Where a specific timeframe is determined by Card Scheme Rules or the relevant processing arrangement, that timeframe shall apply.

15.4. Accuracy of Information

Information and documentation provided by the Merchant in connection with Card Transactions shall be complete and accurate in all material respects.

SECTION 16 — PROCESSING RESTRICTIONS AND SERVICE AVAILABILITY

16.1. Processing Requirements

Availability of the Card Pay-in Service is subject to Applicable Law, Card Scheme Rules, the relevant acquiring and processing arrangements and the Merchant’s continued compliance with the Agreement.

16.2. Processing Restrictions

Card processing may be restricted or adjusted where reasonably required by an applicable Card Scheme, Acquirer, processor, regulatory requirement or material processing, fraud, compliance or security risk.

Any such measure shall be applied in accordance with the relevant provisions of the Agreement.

16.3. Scope of Measures

Where appropriate, a processing measure may relate only to the affected E-Shop, MID, Card Scheme, country, currency, transaction type or other relevant part of the Card Pay-in Service.

This does not require an unaffected part of the Card Pay-in Service to be restricted where it can reasonably continue under the applicable processing arrangements.

16.4. Communication

Where a material processing restriction affects the Merchant’s use of the Card Pay-in Service, the relevant information shall be communicated to the Merchant in accordance with the General Terms, subject to any legal, regulatory, Card Scheme, Acquirer, security or confidentiality restriction applicable to such communication.

16.5. Suspension

Where circumstances require suspension of the Card Pay-in Service, suspension shall be governed by Section 15 of the General Terms.

SECTION 17 — END OF CARD PAY-IN SERVICE

17.1. Termination

Termination of the Card Pay-in Service shall be governed by Section 16 of the General Terms and any applicable provisions of the Order Form.

Termination of the Card Pay-in Service does not, by itself, terminate any other Service provided under the Agreement.

17.2. Processing Following Termination

Following termination of the Card Pay-in Service, no new Card Transactions shall be submitted for processing after the effective termination date, except where otherwise agreed or reasonably required to complete Transactions already in process.

Transactions submitted before termination may continue to be subject to Refunds, Chargebacks, reversals, adjustments and other applicable Card Scheme or processing procedures.

17.3. Settlements Following Termination

Amounts relating to Card Transactions processed before termination shall continue to be settled in accordance with the Agreement, subject to applicable Refunds, Chargebacks, reserves, adjustments and other payment-related obligations.

Termination does not accelerate the release of any Rolling Reserve or other amount subject to an applicable holding period or continuing payment-related exposure.

17.4. Continuing Card Processing Obligations

Obligations relating to Card Transactions processed before termination shall continue for as long as reasonably necessary to complete the applicable Card Scheme and processing lifecycle.

This includes obligations relating to Refunds, Chargebacks, disputes, Card Scheme or Acquirer adjustments, transaction records and amounts payable under the Agreement.

SECTION 18 — THIRD-PARTY PROCESSING

18.1. Card Processing Infrastructure

The Card Pay-in Service operates through Card Schemes, Acquirers, processors, banks and other participants in the card payment infrastructure.

The availability and operation of Card processing may therefore depend on systems, requirements and decisions outside Fintellex’s direct control.

18.2. Third-Party Actions

An action or decision of a Card Scheme, Acquirer, Card issuer, processor, bank or other relevant payment participant may affect Authorization, processing, settlement or other functionality of the Card Pay-in Service.

Such matters shall be handled in accordance with the Agreement and the applicable processing arrangements.

18.3. Processing Interruptions

Temporary interruptions, delays or changes affecting third-party card payment infrastructure may affect the Card Pay-in Service.

Where reasonably practicable, relevant information concerning a material interruption affecting the Merchant shall be communicated in accordance with the General Terms.

18.4. General Terms

Nothing in this Section expands or limits the liability provisions set out in Section 17 of the General Terms.

SECTION 19 — CHANGES TO THESE CARD PAY-IN TERMS

19.1. Changes

These Card Pay-in Terms may be amended in accordance with Section 18 of the General Terms.

19.2. Card-Specific Requirements

Changes arising from Card Scheme Rules, Acquirer requirements, Applicable Law or the relevant processing arrangements may be implemented in accordance with the change provisions of the General Terms.

19.3. Merchant-Specific Conditions

Changes to Merchant-specific conditions shall be governed by the applicable Order Form and the General Terms.