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Underlying Payment Provider",[268,397,398],{},"SnapScan transactions are currently facilitated through:",[310,400,401],{},[313,402,403],{},[271,404,405],{},"SnapScan",[268,407,408],{},"By enabling or using SnapScan, the Merchant acknowledges that transactions are also subject to the operational rules, technical requirements and end-user terms imposed by SnapScan.",[268,410,411],{},"The Merchant agrees to comply with the applicable SnapScan legal documentation available at:",[310,413,414],{},[313,415,416,419],{},[271,417,418],{},"SnapScan Legal Documents",[297,420,421],{"href":421,"rel":422},"https:\u002F\u002Fwww.snapscan.co.za\u002Flegal\u002F",[423],"nofollow",[268,425,426],{},"Kwik relies on SnapScan's own licensing and compliance with Applicable Law and does not independently verify or guarantee that compliance.",[268,428,429],{},"Kwik may suspend, replace or discontinue support for SnapScan where reasonably necessary for operational, regulatory or commercial reasons.",[282,431],{},[285,433,435],{"id":434},"_4-availability","4. Availability",[268,437,438],{},"SnapScan is available only:",[310,440,441,444,447,450,453],{},[313,442,443],{},"where supported by Kwik;",[313,445,446],{},"where supported by SnapScan;",[313,448,449],{},"where the Customer successfully authorises the payment;",[313,451,452],{},"where the Customer uses a supported payment application; and",[313,454,455],{},"where the transaction is successfully approved.",[268,457,458],{},"Availability may vary due to:",[310,460,461,464,467,470,473,476],{},[313,462,463],{},"provider availability;",[313,465,466],{},"Customer device compatibility;",[313,468,469],{},"network connectivity;",[313,471,472],{},"maintenance windows;",[313,474,475],{},"operational issues; or",[313,477,478],{},"regulatory requirements.",[268,480,481],{},"Kwik does not guarantee the continuous availability of SnapScan.",[282,483],{},[285,485,487],{"id":486},"_5-qr-codes","5. QR Codes",[268,489,490],{},"Kwik may generate:",[310,492,493,496,499,502,505],{},[313,494,495],{},"static QR Codes;",[313,497,498],{},"dynamic QR Codes;",[313,500,501],{},"reusable payment QR Codes;",[313,503,504],{},"transaction-specific QR Codes; or",[313,506,507],{},"other supported QR payment formats.",[268,509,510],{},"The Merchant shall:",[310,512,513,516,519,522,525],{},[313,514,515],{},"ensure QR Codes are displayed accurately;",[313,517,518],{},"prevent unauthorised modification of QR Codes;",[313,520,521],{},"protect QR Codes from tampering where reasonably possible;",[313,523,524],{},"verify that QR Codes relate to the correct Merchant Account; and",[313,526,527],{},"immediately notify Kwik if a QR Code is suspected of being compromised.",[282,529],{},[285,531,533],{"id":532},"_6-customer-authorisation","6. Customer Authorisation",[268,535,536],{},"Customers authorise SnapScan transactions directly within the SnapScan application or another supported payment application.",[268,538,539],{},"Kwik does not:",[310,541,542,545,548,551,554],{},[313,543,544],{},"authenticate Customers on behalf of SnapScan;",[313,546,547],{},"control the operation of the SnapScan application;",[313,549,550],{},"manage Customer wallet credentials;",[313,552,553],{},"determine authentication outcomes; or",[313,555,556],{},"control Customer devices.",[282,558],{},[285,560,562],{"id":561},"_7-merchant-responsibilities","7. Merchant Responsibilities",[268,564,510],{},[310,566,567,570,573,576,579,582,585,588],{},[313,568,569],{},"provide accurate payment information;",[313,571,572],{},"accurately describe the goods or services being purchased;",[313,574,575],{},"fulfil customer orders promptly;",[313,577,578],{},"provide appropriate customer support;",[313,580,581],{},"comply with Applicable Law;",[313,583,584],{},"comply with the Merchant Agreement;",[313,586,587],{},"comply with this Policy; and",[313,589,590],{},"comply with the operational requirements of SnapScan.",[268,592,593],{},"The Merchant shall not:",[310,595,596,599,602,605,608],{},[313,597,598],{},"interfere with the SnapScan payment flow;",[313,600,601],{},"manipulate QR Code values after presentation to the Customer;",[313,603,604],{},"misrepresent SnapScan functionality;",[313,606,607],{},"attempt to bypass SnapScan security controls; or",[313,609,610],{},"use SnapScan for unlawful purposes.",[282,612],{},[285,614,616],{"id":615},"_8-settlement","8. Settlement",[268,618,619],{},"Settlement timeframes depend upon:",[310,621,622,625,628,631,634,637],{},[313,623,624],{},"SnapScan;",[313,626,627],{},"banking operating hours;",[313,629,630],{},"weekends and public holidays;",[313,632,633],{},"operational processing windows;",[313,635,636],{},"payment verification processes; and",[313,638,478],{},[268,640,641],{},"Settlement estimates published by Kwik are indicative only and do not constitute a guarantee.",[282,643],{},[285,645,647],{"id":646},"_9-refunds","9. Refunds",[268,649,650,651,299],{},"Refunds are governed by the ",[297,652,351],{"href":242},[268,654,655],{},"Where supported:",[310,657,658,661,664,667],{},[313,659,660],{},"refunds must comply with SnapScan's operational requirements;",[313,662,663],{},"refunds remain subject to Applicable Law;",[313,665,666],{},"refunds may only be processed by authorised users; and",[313,668,669],{},"refunds may only be processed to the original payment source where required.",[282,671],{},[285,673,675],{"id":674},"_10-disputes","10. Disputes",[268,677,678],{},"Disputes relating to SnapScan transactions may be subject to SnapScan's operational rules.",[268,680,681],{},"The Merchant remains responsible for:",[310,683,684,687,690,693,696],{},[313,685,686],{},"customer communications;",[313,688,689],{},"product fulfilment;",[313,691,692],{},"supporting evidence;",[313,694,695],{},"refund obligations; and",[313,697,698],{},"resolving Customer disputes.",[268,700,701],{},"Where SnapScan requires information relating to a dispute, the Merchant shall promptly provide all requested documentation.",[282,703],{},[285,705,707],{"id":706},"_11-third-party-rules","11. Third-Party Rules",[268,709,710],{},"SnapScan transactions are subject to:",[310,712,713,719,722,725,728],{},[313,714,715,716,718],{},"the ",[297,717,158],{"href":159},";",[313,720,721],{},"this Policy;",[313,723,724],{},"the operational rules of SnapScan;",[313,726,727],{},"applicable banking requirements; and",[313,729,730],{},"Applicable Law.",[268,732,733],{},"Where SnapScan's operational requirements are more restrictive than this Policy, those requirements shall prevail to the extent necessary to process the transaction.",[282,735],{},[285,737,739],{"id":738},"_12-suspension","12. Suspension",[268,741,742],{},"Kwik may suspend SnapScan immediately where:",[310,744,745,748,751,754,757,760,763],{},[313,746,747],{},"required by SnapScan;",[313,749,750],{},"required by Applicable Law;",[313,752,753],{},"fraud is suspected;",[313,755,756],{},"suspicious activity is identified;",[313,758,759],{},"excessive disputes occur;",[313,761,762],{},"continued processing presents an unacceptable operational, financial or regulatory risk; or",[313,764,765],{},"the Merchant breaches this Policy or the Merchant Agreement.",[268,767,768],{},"Suspension of SnapScan does not automatically suspend other payment methods.",[282,770],{},[285,772,774],{"id":773},"_13-limitation-of-liability","13. Limitation of Liability",[268,776,777],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[310,779,780,783,786,789,792,795,798,801,804],{},[313,781,782],{},"SnapScan service interruptions;",[313,784,785],{},"QR Code scanning failures;",[313,787,788],{},"Customer device failures;",[313,790,791],{},"network connectivity issues;",[313,793,794],{},"payment application failures;",[313,796,797],{},"delays caused by SnapScan;",[313,799,800],{},"Customer authentication failures;",[313,802,803],{},"banking delays; or",[313,805,806],{},"transaction failures outside Kwik's reasonable control.",[282,808],{},[285,810,812],{"id":811},"_14-changes","14. Changes",[268,814,815],{},"Kwik may amend this Policy from time to time to reflect:",[310,817,818,821,824,827,830,833],{},[313,819,820],{},"changes to SnapScan's operational requirements;",[313,822,823],{},"regulatory developments;",[313,825,826],{},"operational improvements;",[313,828,829],{},"security enhancements;",[313,831,832],{},"technological developments; or",[313,834,835],{},"industry best practices.",[268,837,838],{},"The latest version of this Policy will always be available at:",[268,840,841],{},[271,842,198],{},[268,844,845],{},"Continued use of SnapScan after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":847,"searchDepth":848,"depth":849,"links":850},"",1,2,[851,852,853,854,855,856,857,858,859,860,861,862,863,864],{"id":287,"depth":849,"text":288},{"id":356,"depth":849,"text":357},{"id":394,"depth":849,"text":395},{"id":434,"depth":849,"text":435},{"id":486,"depth":849,"text":487},{"id":532,"depth":849,"text":533},{"id":561,"depth":849,"text":562},{"id":615,"depth":849,"text":616},{"id":646,"depth":849,"text":647},{"id":674,"depth":849,"text":675},{"id":706,"depth":849,"text":707},{"id":738,"depth":849,"text":739},{"id":773,"depth":849,"text":774},{"id":811,"depth":849,"text":812},"Version: 1.2","md",null,{},true,{"description":865},"BqgDnt9chCgXOMOztVNMIyJcWan3rcxnKIifiP0zvP8",[873,874],{"title":193,"path":194,"stem":195,"description":865,"children":-1},{"title":201,"path":202,"stem":203,"description":865,"children":-1},1783493461604]