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Scope",[268,359,360],{},"This Policy applies to all 1Voucher transactions processed through the Services, including transactions initiated through:",[310,362,363,366,369,372,375,378],{},[313,364,365],{},"Hosted Checkout;",[313,367,368],{},"Embedded Checkout;",[313,370,371],{},"Payment Links;",[313,373,374],{},"Merchant APIs;",[313,376,377],{},"Mobile Applications; and",[313,379,380],{},"any other 1Voucher integration supported by Kwik.",[268,382,383],{},"1Voucher transactions are facilitated through an Underlying Payment Provider approved by Kwik.",[282,385],{},[285,387,389],{"id":388},"_3-underlying-payment-provider","3. Underlying Payment Provider",[268,391,392],{},"1Voucher transactions are currently facilitated through:",[310,394,395],{},[313,396,397],{},[271,398,399],{},"1Voucher",[268,401,402],{},"By enabling or using 1Voucher, the Merchant acknowledges that transactions are also subject to the operational rules, technical requirements and legal documentation of the applicable Underlying Payment Provider.",[268,404,405],{},"The Merchant agrees to comply with the applicable 1Voucher legal documentation available at:",[310,407,408],{},[313,409,410,413],{},[271,411,412],{},"1Voucher Legal Documents",[297,414,415],{"href":415,"rel":416},"https:\u002F\u002Fwww.1voucher.co.za\u002F",[417],"nofollow",[268,419,420],{},"Kwik relies on the Underlying Payment Provider's own licensing and compliance with Applicable Law and does not independently verify or guarantee that compliance.",[268,422,423],{},"Kwik may add, remove or replace voucher providers without requiring an amendment to this Policy.",[282,425],{},[285,427,429],{"id":428},"_4-financial-crime-risk","4. Financial Crime Risk",[268,431,432],{},"The Merchant acknowledges that prepaid vouchers can present a higher financial crime risk than account-based payment methods, including because vouchers may be purchased and redeemed without the same degree of identity verification applied to other payment methods.",[268,434,435,436,438],{},"Accordingly, Kwik may, in accordance with the ",[297,437,346],{"href":238},":",[310,440,441,444,447,450],{},[313,442,443],{},"impose transaction value limits on 1Voucher payments;",[313,445,446],{},"impose frequency limits on 1Voucher payments;",[313,448,449],{},"apply enhanced monitoring to 1Voucher transactions; and",[313,451,452],{},"request additional information from the Merchant in respect of any 1Voucher transaction,",[268,454,455],{},"and may decline, delay, or reverse a 1Voucher transaction where reasonably necessary to manage this risk.",[282,457],{},[285,459,461],{"id":460},"_5-availability","5. Availability",[268,463,464],{},"1Voucher is available only:",[310,466,467,470,473,476,479],{},[313,468,469],{},"where supported by Kwik;",[313,471,472],{},"where supported by the Underlying Payment Provider;",[313,474,475],{},"where a valid voucher is presented;",[313,477,478],{},"where sufficient voucher value is available; and",[313,480,481],{},"where the transaction is successfully authorised.",[268,483,484],{},"Kwik does not guarantee the continuous availability of 1Voucher.",[282,486],{},[285,488,490],{"id":489},"_6-voucher-validation","6. Voucher Validation",[268,492,493],{},"Every voucher presented for payment is subject to validation by the applicable Underlying Payment Provider.",[268,495,496],{},"Validation may include:",[310,498,499,502,505,508,511,514],{},[313,500,501],{},"voucher authenticity;",[313,503,504],{},"voucher status;",[313,506,507],{},"voucher expiry;",[313,509,510],{},"available balance;",[313,512,513],{},"fraud screening; and",[313,515,516],{},"other operational checks.",[268,518,519],{},"A voucher that fails validation will not be accepted.",[282,521],{},[285,523,525],{"id":524},"_7-voucher-redemption","7. Voucher Redemption",[268,527,528],{},"A voucher may only be redeemed in accordance with the operational rules of the Underlying Payment Provider.",[268,530,531],{},"Once successfully redeemed:",[310,533,534,537,540],{},[313,535,536],{},"the voucher value may be reduced or exhausted;",[313,538,539],{},"redemption may be irreversible; and",[313,541,542],{},"the voucher may no longer be available for future use.",[268,544,545],{},"Kwik does not control voucher issuance, activation, expiry or redemption rules.",[282,547],{},[285,549,551],{"id":550},"_8-merchant-responsibilities","8. Merchant Responsibilities",[268,553,554],{},"The Merchant shall:",[310,556,557,560,563,566,569,572,575],{},[313,558,559],{},"provide accurate payment information;",[313,561,562],{},"fulfil customer orders promptly;",[313,564,565],{},"maintain appropriate customer support processes;",[313,567,568],{},"comply with Applicable Law;",[313,570,571],{},"comply with the Merchant Agreement;",[313,573,574],{},"comply with this Policy; and",[313,576,577],{},"comply with the operational requirements of the Underlying Payment Provider.",[268,579,580],{},"The Merchant shall not:",[310,582,583,586,589,592,595],{},[313,584,585],{},"accept voucher codes outside the approved payment flow;",[313,587,588],{},"attempt to redeem vouchers outside the Services;",[313,590,591],{},"manipulate voucher values;",[313,593,594],{},"interfere with voucher validation; or",[313,596,597],{},"use 1Voucher for unlawful purposes.",[282,599],{},[285,601,603],{"id":602},"_9-settlement","9. Settlement",[268,605,606],{},"Settlement timeframes depend upon:",[310,608,609,612,615,618,621],{},[313,610,611],{},"the Underlying Payment Provider;",[313,613,614],{},"banking operating hours;",[313,616,617],{},"operational processing windows;",[313,619,620],{},"weekends and public holidays; and",[313,622,623],{},"regulatory requirements.",[268,625,626],{},"Settlement estimates published by Kwik are indicative only.",[282,628],{},[285,630,632],{"id":631},"_10-refunds","10. Refunds",[268,634,635,636,299],{},"Refunds are governed by the ",[297,637,351],{"href":242},[268,639,640],{},"Where supported:",[310,642,643,646,649,652],{},[313,644,645],{},"refunds remain subject to the operational rules of the Underlying Payment Provider;",[313,647,648],{},"refunds may be issued using a different method than the original voucher where permitted;",[313,650,651],{},"refunds remain subject to Applicable Law; and",[313,653,654],{},"Kwik does not guarantee that redeemed vouchers can be reinstated.",[282,656],{},[285,658,660],{"id":659},"_11-disputes","11. Disputes",[268,662,663],{},"1Voucher transactions generally do not support traditional card Chargebacks.",[268,665,666],{},"The Merchant remains responsible for:",[310,668,669,672,675,678,681],{},[313,670,671],{},"customer communications;",[313,673,674],{},"product fulfilment;",[313,676,677],{},"refund obligations;",[313,679,680],{},"supporting evidence; and",[313,682,683],{},"resolving commercial disputes.",[282,685],{},[285,687,689],{"id":688},"_12-third-party-rules","12. Third-Party Rules",[268,691,692],{},"1Voucher transactions are subject to:",[310,694,695,701,704,707],{},[313,696,697,698,700],{},"the ",[297,699,158],{"href":159},";",[313,702,703],{},"this Policy;",[313,705,706],{},"the operational rules of the Underlying Payment Provider; and",[313,708,709],{},"Applicable Law.",[268,711,712],{},"Where the Underlying Payment Provider imposes more restrictive operational requirements than this Policy, those requirements shall prevail to the extent necessary to process the transaction.",[282,714],{},[285,716,718],{"id":717},"_13-suspension","13. Suspension",[268,720,721],{},"Kwik may suspend 1Voucher immediately where:",[310,723,724,727,730,733,736,739],{},[313,725,726],{},"required by the Underlying Payment Provider;",[313,728,729],{},"fraud is suspected;",[313,731,732],{},"suspicious activity is identified;",[313,734,735],{},"regulatory requirements require suspension;",[313,737,738],{},"continued processing presents an unacceptable operational, financial or regulatory risk; or",[313,740,741],{},"the Merchant breaches this Policy or the Merchant Agreement.",[268,743,744],{},"Suspension of 1Voucher does not automatically suspend other payment methods.",[282,746],{},[285,748,750],{"id":749},"_14-limitation-of-liability","14. Limitation of Liability",[268,752,753],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[310,755,756,759,762,765,768,771,774,777],{},[313,757,758],{},"expired vouchers;",[313,760,761],{},"invalid vouchers;",[313,763,764],{},"insufficient voucher balances;",[313,766,767],{},"duplicate redemption attempts;",[313,769,770],{},"provider outages;",[313,772,773],{},"delays caused by the Underlying Payment Provider;",[313,775,776],{},"voucher validation failures; or",[313,778,779],{},"transaction failures outside Kwik's reasonable control.",[282,781],{},[285,783,785],{"id":784},"_15-changes","15. Changes",[268,787,788],{},"Kwik may amend this Policy from time to time to reflect:",[310,790,791,794,797,800,803,806],{},[313,792,793],{},"changes to supported voucher providers;",[313,795,796],{},"operational improvements;",[313,798,799],{},"regulatory developments;",[313,801,802],{},"security enhancements;",[313,804,805],{},"technological developments; or",[313,807,808],{},"industry best practices.",[268,810,811],{},"The latest version of this Policy will always be available at:",[268,813,814],{},[271,815,214],{},[268,817,818],{},"Continued use of 1Voucher after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":820,"searchDepth":821,"depth":822,"links":823},"",1,2,[824,825,826,827,828,829,830,831,832,833,834,835,836,837,838],{"id":287,"depth":822,"text":288},{"id":356,"depth":822,"text":357},{"id":388,"depth":822,"text":389},{"id":428,"depth":822,"text":429},{"id":460,"depth":822,"text":461},{"id":489,"depth":822,"text":490},{"id":524,"depth":822,"text":525},{"id":550,"depth":822,"text":551},{"id":602,"depth":822,"text":603},{"id":631,"depth":822,"text":632},{"id":659,"depth":822,"text":660},{"id":688,"depth":822,"text":689},{"id":717,"depth":822,"text":718},{"id":749,"depth":822,"text":750},{"id":784,"depth":822,"text":785},"Version: 1.2","md",null,{},true,{"description":839},"p9AN4hrUVFrCjzTVdw7WWLNZQW0IGU_QqoGeLIQ9Fe4",[847,848],{"title":209,"path":210,"stem":211,"description":839,"children":-1},{"title":217,"path":218,"stem":219,"description":849,"children":-1},"Version: 1.3",1783493461798]