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2026-06-11",[282,283],"hr",{},[285,286,288],"h2",{"id":287},"_1-purpose","1. Purpose",[268,290,291,292,295,296,299],{},"This Card Payments Policy (\"",[271,293,294],{},"Policy","\") forms part of the ",[297,298,158],"a",{"href":159},".",[268,301,302],{},"This Policy governs the Merchant's acceptance of card payments processed through Kwik.",[268,304,305],{},"It should be read together with the following documents:",[307,308,309,315,320,324,328,332,336,340,345],"ul",{},[310,311,312,314],"li",{},[297,313,158],{"href":159},", including Section 13 (Turnover Thresholds, Deferred Delivery and High-Risk Merchants)",[310,316,317],{},[297,318,319],{"href":218},"Fees & Pricing",[310,321,322],{},[297,323,221],{"href":222},[310,325,326],{},[297,327,225],{"href":226},[310,329,330],{},[297,331,229],{"href":230},[310,333,334],{},[297,335,245],{"href":246},[310,337,338],{},[297,339,233],{"href":234},[310,341,342],{},[297,343,344],{"href":238},"Sanctions & AML Policy",[310,346,347],{},[297,348,349],{"href":242},"Chargeback & Dispute Policy",[268,351,352],{},"In the event of any conflict between this Policy and the Merchant Agreement, the Merchant Agreement shall prevail unless this Policy expressly states otherwise.",[282,354],{},[285,356,358],{"id":357},"_2-acquirer-disclosure","2. Acquirer Disclosure",[268,360,361],{},"Kwik processes Card Payments as a payment facilitator under the sponsorship of an acquiring bank licensed to conduct acquiring activities in the Republic of South Africa and registered as a member of the applicable Card Schemes.",[268,363,364],{},"As at the Effective Date of this Policy, Kwik's acquiring bank for Card Payments is:",[268,366,367,370],{},[271,368,369],{},"Absa Bank Limited",", registration number 1986\u002F004794\u002F06, of 7th Floor, Barclays Towers West, 15 Troye Street, Johannesburg.",[268,372,373],{},"Kwik may change its acquiring bank from time to time. Where this occurs, this Policy will be updated and the updated version published at the address set out in Section 15 below.",[268,375,376],{},"Kwik relies on its acquiring bank's own licensing and compliance with Applicable Law and does not separately warrant or guarantee that compliance.",[282,378],{},[285,380,382],{"id":381},"_3-supported-card-networks","3. Supported Card Networks",[268,384,385],{},"Subject to Merchant approval, Kwik may enable one or more of the following payment networks:",[307,387,388,391],{},[310,389,390],{},"Visa",[310,392,393],{},"Mastercard",[268,395,396],{},"Kwik may add or remove supported card networks from time to time.",[268,398,399],{},"Support for a card network does not guarantee that every transaction will be approved or successfully settled.",[282,401],{},[285,403,405],{"id":404},"_4-scope","4. Scope",[268,407,408],{},"This Policy applies to all card transactions processed through the Services, including:",[307,410,411,414,417,420,423,426,429,432,435,438,441],{},[310,412,413],{},"one-time payments;",[310,415,416],{},"recurring payments;",[310,418,419],{},"card-on-file transactions;",[310,421,422],{},"merchant initiated transactions (MIT);",[310,424,425],{},"customer initiated transactions (CIT);",[310,427,428],{},"payment links;",[310,430,431],{},"hosted checkout;",[310,433,434],{},"embedded checkout;",[310,436,437],{},"API integrations;",[310,439,440],{},"tokenised transactions; and",[310,442,443],{},"digital wallet transactions processed using Apple Pay or Google Pay.",[268,445,446],{},"Apple Pay and Google Pay remain card transactions and are additionally governed by:",[307,448,449,453],{},[310,450,451],{},[297,452,185],{"href":186},[310,454,455],{},[297,456,189],{"href":190},[282,458],{},[285,460,462],{"id":461},"_5-risk-allocation","5. Risk Allocation",[268,464,465],{},"Kwik provides payment processing infrastructure only.",[268,467,468],{},"The Merchant remains solely responsible for:",[307,470,471,474,477,480,483,486,489,492,495],{},[310,472,473],{},"the products and services sold;",[310,475,476],{},"customer fulfilment;",[310,478,479],{},"customer service;",[310,481,482],{},"transaction legitimacy;",[310,484,485],{},"fraud prevention within the Merchant's business;",[310,487,488],{},"compliance with Applicable Law;",[310,490,491],{},"customer disputes;",[310,493,494],{},"refund obligations; and",[310,496,497],{},"all commercial risks associated with accepting card payments.",[268,499,500],{},"Except where expressly required by Applicable Law or caused directly by Kwik's gross negligence or wilful misconduct, Kwik does not guarantee:",[307,502,503,506,509,512,515,518,521],{},[310,504,505],{},"payment approval;",[310,507,508],{},"successful settlement;",[310,510,511],{},"fraud prevention;",[310,513,514],{},"customer solvency;",[310,516,517],{},"protection against Chargebacks;",[310,519,520],{},"uninterrupted service; or",[310,522,523],{},"card network availability.",[282,525],{},[285,527,529],{"id":528},"_6-merchant-eligibility","6. Merchant Eligibility",[268,531,532],{},"Card Payments are available only to Merchants approved by Kwik.",[268,534,535],{},"Approval may be subject to:",[307,537,538,541,544,547,550,553,556,559,562,565],{},[310,539,540],{},"underwriting;",[310,542,543],{},"identity verification;",[310,545,546],{},"business verification;",[310,548,549],{},"fraud assessment;",[310,551,552],{},"financial assessment;",[310,554,555],{},"sanctions screening;",[310,557,558],{},"industry restrictions;",[310,560,561],{},"card network requirements;",[310,563,564],{},"acquiring bank requirements; and",[310,566,567],{},"other operational or regulatory requirements.",[268,569,570,571,573],{},"Kwik may decline or withdraw approval at any time where reasonably necessary to manage risk or comply with Applicable Law, including where a Merchant's business falls within a Restricted or Prohibited Business category under the ",[297,572,233],{"href":234},", or where registration as a high-risk merchant with the applicable Card Scheme is required and has not been obtained, as described in Section 13 of the Merchant Agreement.",[282,575],{},[285,577,579],{"id":578},"_7-authorisation","7. Authorisation",[268,581,582],{},"Each transaction must be authorised through Kwik's payment platform.",[268,584,585],{},"An authorisation indicates only that, at the time of authorisation:",[307,587,588,591,594],{},[310,589,590],{},"the card appeared to be valid;",[310,592,593],{},"the issuing bank approved the transaction; and",[310,595,596],{},"the transaction satisfied the applicable authorisation checks.",[268,598,599,600,603],{},"An authorisation does ",[271,601,602],{},"not"," guarantee:",[307,605,606,609,612,615,618],{},[310,607,608],{},"settlement;",[310,610,611],{},"absence of fraud;",[310,613,614],{},"protection from Chargebacks;",[310,616,617],{},"future availability of funds; or",[310,619,620],{},"final completion of the transaction.",[282,622],{},[285,624,626],{"id":625},"_8-customer-authentication","8. Customer Authentication",[268,628,629],{},"Where supported, Kwik may require Strong Customer Authentication (SCA) or equivalent authentication mechanisms, including:",[307,631,632,635,638,641,644,647],{},[310,633,634],{},"EMV® 3-D Secure;",[310,636,637],{},"biometric authentication;",[310,639,640],{},"issuer authentication;",[310,642,643],{},"one-time passwords;",[310,645,646],{},"device authentication; or",[310,648,649],{},"other authentication methods supported by the issuing bank.",[268,651,652],{},"The Merchant must not interfere with or attempt to bypass these authentication processes.",[282,654],{},[285,656,658],{"id":657},"_9-stored-credentials","9. Stored Credentials",[268,660,661],{},"Where supported by Kwik, the Merchant may securely store card credentials using Kwik's tokenisation services.",[268,663,664],{},"The Merchant must not store raw card numbers, full magnetic stripe data, CVV\u002FCVC values, PIN data, or other sensitive authentication data after authorisation. This restriction applies without exception, in accordance with PCI DSS.",[268,666,667],{},"Card tokens:",[307,669,670,673,676],{},[310,671,672],{},"remain the property of the applicable payment network or service provider;",[310,674,675],{},"may be replaced or withdrawn at any time;",[310,677,678],{},"are not guaranteed to remain valid indefinitely.",[282,680],{},[285,682,684],{"id":683},"_10-merchant-initiated-transactions-mit","10. Merchant Initiated Transactions (MIT)",[268,686,687],{},"Where Merchant Initiated Transactions are supported, the Merchant represents that:",[307,689,690,693,696,699],{},[310,691,692],{},"the Customer has provided all necessary authorisations;",[310,694,695],{},"the transaction complies with applicable card scheme rules;",[310,697,698],{},"any required Customer agreement has been retained by the Merchant; and",[310,700,701],{},"the Merchant will provide supporting evidence upon request.",[268,703,704],{},"Failure to comply with applicable card scheme requirements may result in Chargebacks or the withdrawal of MIT privileges.",[282,706],{},[285,708,710],{"id":709},"_11-refunds","11. Refunds",[268,712,713,714,299],{},"Refunds are governed by the ",[297,715,349],{"href":242},[268,717,718],{},"Refunds:",[307,720,721,724,727,730,733],{},[310,722,723],{},"may only be initiated by authorised users;",[310,725,726],{},"are subject to card network rules;",[310,728,729],{},"may only be processed to the original payment method where required;",[310,731,732],{},"may be delayed by issuing banks or payment networks; and",[310,734,735,736,299],{},"do not automatically reverse processing fees unless expressly stated in the ",[297,737,319],{"href":218},[282,739],{},[285,741,743],{"id":742},"_12-chargebacks","12. Chargebacks",[268,745,746,747,299],{},"Chargebacks are governed by the ",[297,748,349],{"href":242},[268,750,751],{},"The Merchant remains fully liable for all Chargebacks arising from card transactions.",[268,753,754],{},"Participation in 3-D Secure, tokenisation or fraud screening does not eliminate the possibility of Chargebacks.",[268,756,757],{},"The Merchant shall not, and shall not permit any person acting on its behalf to, require or request that a Customer waive its right to dispute a transaction or initiate a Chargeback, in accordance with Section 16 of the Merchant Agreement.",[282,759],{},[285,761,763],{"id":762},"_13-card-scheme-rules","13. Card Scheme Rules",[268,765,766],{},"The Merchant agrees to comply with all mandatory operating rules issued by:",[307,768,769,772,775,778,781],{},[310,770,771],{},"Visa;",[310,773,774],{},"Mastercard;",[310,776,777],{},"the acquiring bank;",[310,779,780],{},"the sponsoring bank; and",[310,782,783],{},"other applicable payment network participants.",[268,785,786],{},"Where mandatory card scheme rules conflict with this Policy, the mandatory card scheme rules shall prevail to the extent of the conflict.",[282,788],{},[285,790,792],{"id":791},"_14-high-risk-and-card-not-present-merchants","14. High-Risk and Card-Not-Present Merchants",[268,794,795],{},"Where the Merchant's business is identified as presenting elevated brand or fraud risk under applicable Card Scheme rules, the additional registration and processing requirements set out in Section 13 of the Merchant Agreement apply, including the requirement that the Merchant not be processed for card-not-present, high-risk transactions until any required Card Scheme registration (including registration of Kwik as a High Brand Risk Payment Facilitator, where applicable) has been obtained.",[282,797],{},[285,799,801],{"id":800},"_15-suspension","15. Suspension",[268,803,804],{},"Kwik may immediately suspend Card Payments where:",[307,806,807,810,813,816,819,822,825],{},[310,808,809],{},"excessive fraud is detected;",[310,811,812],{},"excessive Chargebacks occur;",[310,814,815],{},"card scheme requirements are breached;",[310,817,818],{},"regulatory requirements require suspension;",[310,820,821],{},"payment network instructions require suspension;",[310,823,824],{},"acquiring bank instructions require suspension; or",[310,826,827],{},"continued processing presents an unacceptable risk.",[268,829,830],{},"Suspension of Card Payments does not automatically suspend other Services provided by Kwik.",[282,832],{},[285,834,836],{"id":835},"_16-limitation-of-liability","16. Limitation of Liability",[268,838,839],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[307,841,842,845,848,851,854,856,859,862],{},[310,843,844],{},"issuer declines;",[310,846,847],{},"issuing bank errors;",[310,849,850],{},"card network outages;",[310,852,853],{},"authentication failures outside Kwik's control;",[310,855,491],{},[310,857,858],{},"fraudulent use of payment cards;",[310,860,861],{},"Chargebacks; or",[310,863,864],{},"delayed settlement caused by third parties.",[282,866],{},[285,868,870],{"id":869},"_17-changes","17. Changes",[268,872,873],{},"Kwik may amend this Policy from time to time to reflect:",[307,875,876,879,882,885,888,891],{},[310,877,878],{},"card scheme rule changes;",[310,880,881],{},"acquiring bank requirements, including a change of acquiring bank;",[310,883,884],{},"security improvements;",[310,886,887],{},"regulatory changes;",[310,889,890],{},"operational changes; or",[310,892,893],{},"new card payment functionality.",[268,895,896],{},"The latest version will always be available at:",[268,898,899],{},[271,900,175],{},[268,902,903],{},"Continued use of Card Payments after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":905,"searchDepth":906,"depth":907,"links":908},"",1,2,[909,910,911,912,913,914,915,916,917,918,919,920,921,922,923,924,925],{"id":287,"depth":907,"text":288},{"id":357,"depth":907,"text":358},{"id":381,"depth":907,"text":382},{"id":404,"depth":907,"text":405},{"id":461,"depth":907,"text":462},{"id":528,"depth":907,"text":529},{"id":578,"depth":907,"text":579},{"id":625,"depth":907,"text":626},{"id":657,"depth":907,"text":658},{"id":683,"depth":907,"text":684},{"id":709,"depth":907,"text":710},{"id":742,"depth":907,"text":743},{"id":762,"depth":907,"text":763},{"id":791,"depth":907,"text":792},{"id":800,"depth":907,"text":801},{"id":835,"depth":907,"text":836},{"id":869,"depth":907,"text":870},"Version: 1.2","md",null,{},true,{"description":926},"gfytHPaDOaA0hFNQ6jtWTPN6nID2QSLrywaj3EMGrvo",[934,936],{"title":166,"path":167,"stem":168,"description":935,"children":-1},"Version: 1.1",{"title":178,"path":179,"stem":180,"description":926,"children":-1},1783493459610]