This Policy governs buyer-facing PayJSR Commerce checkout transactions, receipts, buyer accounts, Customer Dashboard access, product-specific terms, delivery review, refund handling, cancellation handling, internal disputes, chargeback prevention and evidence workflows.
This Policy is designed to operate together with the PayJSR Global Terms of Service, the PayJSR Commerce & Supplier Addendum, the PayJSR Privacy Policy, the PayJSR Payment Orchestration Documentation, provider rules, payment network rules, regional terms and the product-specific terms shown to the buyer before payment.
PayJSR Buyer Protection is a platform process. It is not a bank account, deposit guarantee, stored value, insurance product, universal warranty or unconditional refund promise. PayJSR may, however, hold supplier proceeds, request evidence, review delivery records, review digital access records and refund a buyer when PayJSR determines that a refund is required or appropriate under this Policy, product-specific terms, provider rules, payment network rules, mandatory law or platform risk controls.
1.Purpose and legal position
This Policy explains how a buyer purchases through PayJSR checkout, receives a receipt, creates or accesses a buyer account, views order records, requests support, requests a refund, submits delivery or access evidence, and opens an internal PayJSR dispute before escalating to a bank, card issuer, wallet provider or payment provider.
The purpose of this Policy is to make the buyer process clear, traceable and evidence-based. It protects legitimate buyers from non-delivery, defective products, misleading descriptions, unauthorized charges, duplicate charges, failed digital access and unsupported subscriptions. It also protects compliant suppliers from false claims, fraudulent chargebacks and buyer abuse.
This Policy does not remove mandatory rights that cannot legally be waived. If a mandatory consumer, electronic transaction, payment network, card network, provider or privacy law gives a buyer stronger rights, those rights apply to the minimum extent required by that law.
Legal alignment: this approach is intended to support fair marketplace standards under the South African Consumer Protection Act 68 of 2008, electronic transaction protections under the South African Electronic Communications and Transactions Act 25 of 2002, unfair or deceptive practice standards under the United States Federal Trade Commission Act, distance-selling and withdrawal principles under the EU Consumer Rights Directive 2011/83/EU, Mozambique electronic transaction and consumer protection principles, and applicable provider and payment network rules.
2.PayJSR role in buyer transactions
For eligible PayJSR Commerce transactions, the applicable PayJSR entity may act as merchant of record, contracting merchant, transaction-side merchant, reseller, distributor, commerce operator or checkout operator for the buyer checkout transaction. The buyer purchases through the PayJSR checkout, PayJSR order flow, PayJSR buyer terms and PayJSR commerce infrastructure.
The seller, creator, vendor, service provider, fulfilment partner or supplier remains responsible for the underlying product or service. This includes product quality, delivery, access, fulfilment, stock, customer support, product claims, marketing claims, warranties, licences, legal compliance and evidence of delivery or performance.
PayJSR may communicate directly with the buyer about checkout, receipts, product access, dashboard access, refund requests, delivery review, disputes, chargeback prevention, fraud review and security. PayJSR may also require the supplier to cooperate with buyer support and evidence review.
Where a transaction uses a payment method, card issuer, bank, wallet, mobile money provider, open banking provider, processor, acquirer, gateway or payment network, that transaction may also be subject to the relevant provider or network rules. PayJSR may use those records and rules when reviewing refunds, disputes and evidence.
3.Checkout disclosure and affirmative consent
Before payment, the checkout or linked product page must show the material terms of the transaction in a clear and understandable manner. The buyer should be able to understand what is being purchased, who supplies it, the total price, the currency, taxes or tax presentation, shipping fees where applicable, delivery method, access method, support contact, cancellation rules, refund rules, subscription terms and material limitations before clicking pay, subscribe, confirm or complete purchase.
The checkout should identify whether the product is digital, physical, subscription-based, service-based, custom-made, personalized, pre-order, instantly delivered, time-limited, returnable, non-returnable after access where allowed by law, or subject to category-specific approval, delivery evidence or buyer confirmation.
The checkout should require an affirmative buyer action, such as a checkbox, button confirmation or equivalent confirmation, showing that the buyer agrees to the PayJSR Buyer Policy, the product-specific refund and delivery terms, the Privacy Policy, electronic communications, receipt delivery, Customer Dashboard access and the internal support, refund and dispute workflow.
A buyer must not complete checkout unless the buyer understands and accepts the terms shown before payment. If the buyer does not agree with the terms, the buyer should not complete the purchase.
Legal alignment: clear pre-contract information supports the South African Consumer Protection Act, the consumer protection chapter of the Electronic Communications and Transactions Act, the FTC Act prohibition on unfair or deceptive practices, the EU Consumer Rights Directive information requirements for distance contracts and the United States E-SIGN framework for electronic records and consent.
4.Product-specific terms
Each product or service sold through PayJSR may have product-specific refund, delivery, access, cancellation, return, replacement, subscription, trial or support terms shown on the product page, checkout page, order summary, receipt, seller terms or Customer Dashboard.
Product-specific terms apply together with this Policy and the other PayJSR legal documents. They may provide details about delivery timelines, refund windows, access methods, download limitations, return requirements, cancellation steps, support channels, subscription renewal dates, trial periods, custom product restrictions and evidence required for a claim.
Product-specific terms cannot remove mandatory rights that cannot legally be waived. A seller may not publish a no-refund rule that hides mandatory rights, misleads buyers, contradicts the actual delivery method, prevents PayJSR from resolving disputes, or attempts to override PayJSR rights to hold supplier proceeds, request evidence, process refunds or take protective action.
If product-specific terms are missing, unclear or inconsistent, PayJSR may interpret the transaction based on the checkout record, buyer expectations, supplier evidence, delivery method, product category, applicable law, provider rules and platform protection. PayJSR may require the supplier to correct the product terms before future sales are allowed.
Legal alignment: product-specific terms support transparency and help prevent unfair or misleading terms. They are subject to mandatory consumer protections, including non-exclusion rules where local law prevents a seller from excluding statutory rights.
5.Required email, receipt and buyer account
A valid email address is required for PayJSR Commerce purchases. PayJSR uses the email address to send the receipt, order confirmation, product access instructions, seller support information, refund and dispute updates, security notices and the invitation link to create or access the PayJSR Customer Dashboard. After payment, PayJSR may send the buyer an email containing the receipt, order details, product access information, supplier information, support links and a secure link to create a password or access a buyer account. The buyer account is used to view purchase history, manage eligible subscriptions, access eligible digital products, confirm physical delivery, contact support, communicate with the supplier, request refunds and submit dispute evidence.
The email address used at checkout may be used to create or connect the buyer account. PayJSR may verify the buyer through email links, one-time codes, password creation, device signals or other security controls. Buyers are responsible for keeping their email account and PayJSR account secure.
If a buyer provides an incorrect email address, loses access to the email account or cannot verify identity, PayJSR may limit access to order details, product access, refund handling or dispute records until the buyer provides sufficient verification. This protects buyers, suppliers and PayJSR from fraud and unauthorized disclosure.
Legal alignment: electronic receipts, account access, dashboard notices and verified electronic communications support electronic contracting and recordkeeping principles under applicable electronic communications laws, including the South African Electronic Communications and Transactions Act and the United States E-SIGN Act.
6.Customer Dashboard and internal support channel
The PayJSR Customer Dashboard is the primary channel for buyer support, purchase history, product access, subscription management, refund requests, delivery review, access review and dispute evidence. If the dashboard is unavailable or the buyer cannot access it, the buyer may contact support@payjsr.com.
The Customer Dashboard may allow the buyer to view order history, receipts, product status, supplier details, delivery status, support history, digital product access, files, license keys, memberships, courses, subscriptions, software links, refund requests, dispute records and communications.
The dashboard may allow the buyer to open support conversations, request a refund, request cancellation, request replacement, request delivery review, report non-delivery, report damaged goods, report that a product is not as described, upload screenshots, photos, videos, documents, messages, tracking evidence and other proof, and receive notifications when the supplier responds or PayJSR reaches a decision. PayJSR may keep support, refund and dispute communications inside the dashboard to preserve evidence, reduce fraud, reduce chargebacks and create an audit trail for buyers, suppliers, providers, payment networks, banks, regulators and courts where necessary.
Legal alignment: dashboard records support evidence preservation, consumer access to support, electronic communications, transaction traceability, chargeback defence and data minimization by keeping order-related communications in a controlled platform environment.
7.Buyer Protection process
PayJSR Buyer Protection is designed to encourage buyers to report problems directly to PayJSR before initiating a chargeback or bank dispute. Internal review gives PayJSR an opportunity to hold supplier proceeds, request evidence, contact the supplier, correct delivery or access issues and resolve legitimate claims faster.
A buyer may request PayJSR review where the buyer paid but did not receive access, delivery, confirmation or fulfilment within the disclosed timeline; the product or service is materially different from the checkout description; digital access, license activation, download, membership access or service onboarding failed; a physical product was not shipped, not delivered, delivered damaged or delivered without required tracking or proof; the supplier does not respond within the required timeline; the buyer believes the transaction was unauthorized, duplicate, fraudulent or incorrectly charged; subscription terms were unclear, renewal was not properly authorized or cancellation was not respected; or mandatory law, provider rules or PayJSR risk review require protective action.
Submitting a claim does not guarantee a refund. PayJSR will review the product-specific terms, checkout disclosures, supplier evidence, buyer evidence, delivery records, access logs, risk signals, support history, applicable law and provider rules before deciding the outcome.
PayJSR may approve a refund, partial refund, replacement, continued fulfilment, cancellation, delivery review, access correction, claim denial, supplier hold, extended reserve or provider escalation depending on the evidence and applicable rules.
Legal alignment: this evidence-based process supports consumer protection principles while also preserving fair process for suppliers and reliable records for card network, bank, wallet and provider dispute procedures.
8.Refund and internal dispute workflow
The standard PayJSR refund and internal dispute workflow begins when the buyer submits a request in the Customer Dashboard or contacts support@payjsr.com if dashboard access is unavailable.
PayJSR may verify the order, buyer identity, email, payment status, product type, delivery status, access status, payout status, provider reference, product-specific terms, supplier status and risk signals. PayJSR may immediately place a hold on the relevant supplier proceeds up to the transaction amount, plus applicable fees, reserves or exposure, where the funds have not yet been released or where PayJSR has recovery rights against the supplier.
PayJSR may notify the supplier and request evidence within the deadline set by PayJSR. Deadlines may be shorter for digital access failures, suspected fraud, duplicate charges, urgent non-delivery, high-risk products, expiring chargeback deadlines or cases where provider rules require faster action.
The supplier may accept the refund, propose a replacement, provide delivery evidence, provide access logs, provide support communications, provide product records or contest the claim with evidence. The buyer may upload additional evidence, including screenshots, photos, product condition evidence, delivery issues, communication records or proof that access was not received.
PayJSR may decide a claim without waiting for the supplier if the supplier does not respond on time, does not provide sufficient evidence, provides false or inconsistent evidence, fails to prove delivery or access, creates buyer harm, violates PayJSR terms or creates excessive risk.
Legal alignment: this workflow is designed to support prompt dispute handling, preserve funds before payout, create traceable evidence and reduce unnecessary chargebacks while respecting mandatory consumer rights and provider timelines.
9.Holds on supplier proceeds
When a buyer opens a refund request, delivery issue, access issue or dispute, PayJSR may hold supplier proceeds related to that transaction. The hold is designed to preserve funds before payout, reduce chargeback losses and allow PayJSR to resolve the issue internally before escalation to a bank, card issuer, wallet provider, payment provider or regulator.
For digital products, PayJSR may hold the transaction amount while access logs, download logs, license activation, account creation, IP or device records, timestamps, support communications and product descriptions are reviewed. For physical products, PayJSR may hold the transaction amount while shipment, tracking, delivery confirmation, proof of stock, proof of dispatch, courier records, buyer confirmation and product condition evidence are reviewed.
A hold does not mean the buyer automatically wins the dispute, and it does not mean the supplier has no rights. It means PayJSR is preserving the amount while reviewing evidence and risk. PayJSR may release the hold, refund the buyer, partially refund the buyer, maintain a reserve or deduct amounts from supplier proceeds depending on the result.
Legal alignment: supplier-proceeds holds support platform risk controls, chargeback mitigation, buyer protection and evidence preservation. They also align with PayJSR Commerce terms that make payout conditional on settlement, risk review, refund exposure, chargeback exposure, delivery evidence and compliance checks.
10.Physical products and delivery policy
Physical products must have truthful delivery terms. The checkout or product page should state the expected delivery timeline, shipping method, tracking requirements, delivery limitations, return process, support contact and any special restrictions before payment.
A supplier may be required to provide proof of stock, dispatch, tracking number, courier confirmation, proof of delivery, buyer delivery confirmation, return evidence, photos, damage reports or other fulfilment evidence before supplier proceeds become available for payout. PayJSR may apply stricter evidence rules for high- value products, first-time suppliers, high-risk categories, cross-border shipping, abnormal volumes or products with high refund or chargeback risk.
If the supplier cannot prove shipment, cannot prove delivery, misses the promised delivery timeline, provides false tracking, ships materially different goods, or fails to respond to buyer issues, PayJSR may hold supplier proceeds, refund the buyer, delay payout, require replacement, require return handling or terminate product approval.
If the product arrives damaged, incomplete, materially different, unsafe or defective, the buyer should submit photos, video, packaging evidence, courier evidence and a clear explanation inside the dashboard as soon as reasonably possible. PayJSR may request the buyer to preserve packaging, return the product or cooperate with courier investigation where applicable.
Legal alignment: this delivery policy supports the FTC Mail, Internet, or Telephone Order Merchandise Rule for United States merchandise orders, which requires a reasonable basis for shipping claims and delay consent or prompt refund where required. It also supports South African ECT Act performance rules for electronic transactions, including order execution within the agreed period or applicable default period and refund obligations where ordered goods or services are unavailable.
11.Digital products, online services and instant access
Digital products may include files, downloads, software, license keys, templates, memberships, courses, digital services, SaaS access, online communities, account access, AI-generated assets, digital subscriptions and other non-physical products. Delivery may occur through instant access, download links, access credentials, activation keys, membership invitations or another digital method disclosed at checkout.
The buyer should create or access the PayJSR Customer Dashboard promptly after purchase to confirm access, download the product, view support details and report any access issue. If access is not received, the product is not as described, a link fails, a license does not activate or the supplier does not respond, the buyer should submit a support or refund request through the dashboard or support@payjsr.com.
PayJSR may deny or limit refunds for digital products where records show that the buyer received, accessed, downloaded, streamed, activated, consumed or substantially used the digital product and the product materially matched the checkout description, unless mandatory law, provider rules or PayJSR risk review require otherwise.
PayJSR may approve a refund for digital products where access was not delivered, access materially failed, the product was materially different from what was promised, the supplier misrepresented the product, the supplier did not respond, the transaction was unauthorized, or applicable law or provider rules require a refund.
Legal alignment: EU distance-selling rules recognize specific treatment for digital content supplied without a tangible medium, including situations where withdrawal rights can be lost only after prior express consent and acknowledgement where applicable. This Policy therefore requires clear digital access terms and evidence of access, consent and delivery.
12.Services, subscriptions and recurring billing
For services, subscriptions, memberships and recurring billing, the checkout must clearly disclose the service scope, start date, billing amount, billing frequency, renewal date, cancellation method, trial terms, minimum commitment if any, and whether the buyer will be charged automatically. The supplier remains responsible for the accuracy and legality of the service offer.
Buyers should be able to manage eligible subscriptions through the PayJSR Customer Dashboard where supported. PayJSR may cancel, pause, refund, reverse or block a subscription where required by law, provider rules, buyer complaints, risk review, supplier non-response or PayJSR terms.
For recurring billing, PayJSR may keep evidence of buyer authorization, checkout timestamp, IP address, device information, subscription terms accepted, renewal notices, cancellation requests and support records. These records may be used in refund reviews, chargeback responses and compliance investigations.
A buyer may request review if a subscription was renewed without proper disclosure, cancellation was not honored, the service was not provided as described, a free trial converted without required notice where applicable, or the supplier failed to provide support.
Legal alignment: recurring billing rules are designed to support clear disclosure, express informed consent and simple cancellation principles under applicable subscription, negative option, electronic commerce and consumer protection frameworks, including United States ROSCA and FTC subscription standards where applicable.
13.Custom-made, personalized, pre-order and restricted products
Some products may be custom-made, personalized, pre-order, limited release, event-based, time-sensitive, digital access-based, restricted category, high-value, cross-border or otherwise subject to special product- specific terms. These terms must be disclosed before payment.
PayJSR may limit refunds for custom-made, personalized, consumed, accessed, downloaded, time-sensitive or otherwise non-returnable products where the buyer received what was described and mandatory law allows the limitation. PayJSR may still approve a refund where the product was not delivered, materially different, defective, unsafe, unauthorized, fraudulent, unlawfully sold, not supported by evidence or subject to mandatory refund rights.
Pre-orders must disclose the expected delivery date, risk of delay, cancellation rights, refund rules and supplier support details. PayJSR may require delayed payout, reserves, proof of stock, supplier verification, progress evidence or manual approval for pre-orders and high-risk product categories.
Restricted or conditionally approved categories may require stronger buyer protection controls, including delayed payout, proof of delivery, tracking upload, buyer delivery confirmation, product approval, supplier verification, proof of stock, proof of licensing, lower limits, higher reserves or manual review.
Legal alignment: many consumer frameworks allow different treatment for personalized, custom, time- sensitive, sealed, used or digital-access products, but those limits must be disclosed clearly and cannot override mandatory rights for non-delivery, misrepresentation, defects or unlawful sales.
14.Refund eligibility principles
PayJSR may approve a refund, partial refund, replacement or cancellation where PayJSR determines that the product or service was not delivered or access was not provided within the disclosed timeline; the product or service was materially different from the checkout description or supplier representations; the product was defective, unsafe, unusable or materially incomplete; the supplier failed to respond, failed to provide evidence or failed to support the buyer; the charge was duplicate, unauthorized, fraudulent, incorrect or not properly consented to; subscription billing was not clearly authorized or cancellation was not properly processed; provider rules, card network rules, payment method rules or mandatory consumer law require refund or reversal; or PayJSR determines that refunding is necessary to protect buyers, providers, banks, payment networks, regulators, PayJSR entities or the platform.
PayJSR may deny or limit a refund where the buyer received and used the product as described, changed their mind after receiving a non-returnable or consumed product, failed to cooperate with evidence requests, refused delivery without valid reason, abused the dispute process, submitted false evidence, purchased outside PayJSR checkout, violated product terms, or where the claim is excluded by the product-specific terms and not protected by mandatory law.
PayJSR may consider whether the product was digital, physical, service-based, subscription-based, custom- made, personalized, pre-order, restricted, high-value, instantly delivered, consumed, returned, damaged, defective, materially different, unauthorized or subject to special provider or legal rules.
Legal alignment: refund decisions are intended to preserve mandatory rights while allowing PayJSR to apply evidence-based rules, provider rules, payment network timelines and product-specific terms in a consistent way.
15.Evidence standards
PayJSR may review evidence from both buyer and supplier. Evidence may include checkout session ID, order number, product ID, seller ID, wallet or ledger reference, buyer email, timestamps, payment provider references, product page records, checkout copy, refund policy accepted, subscription authorization, delivery terms, buyer consent records, download logs, access logs, activation logs, login records, IP address, device signals and account events.
For physical goods, evidence may include tracking numbers, courier scans, proof of shipment, proof of delivery, buyer delivery confirmation, return records, photos, screenshots, videos, product condition evidence, packaging evidence and damage reports.
For services and subscriptions, evidence may include service scope, onboarding records, attendance logs, completion records, account records, subscription terms accepted, renewal records, cancellation requests, customer support messages, live chat history, email messages, supplier responses and internal notes. PayJSR may consider fraud signals, duplicate account signals, chargeback history, abnormal behavior, risk review results, provider responses, bank records and any other information PayJSR reasonably requests to decide the issue.
The buyer and supplier must provide truthful, complete and non-misleading information. PayJSR may reject a claim, refund a buyer, terminate a supplier, restrict a buyer account, report suspicious activity or recover losses if either side provides false evidence or abuses the process.
Legal alignment: evidence standards support chargeback defence, refund review, delivery confirmation, electronic transaction records, fraud prevention, provider reporting, court evidence and regulator cooperation where required.
16.Chargebacks, bank disputes and internal resolution first
PayJSR encourages buyers to use the Customer Dashboard or support@payjsr.com before contacting their bank, card issuer, wallet provider or payment provider. Internal resolution gives PayJSR an opportunity to hold supplier proceeds, request evidence, contact the supplier, resolve the issue faster and avoid unnecessary chargeback costs.
If a buyer starts a bank dispute or chargeback before contacting PayJSR, PayJSR may still review the issue, but the process may move into provider, card network, bank or payment method timelines. PayJSR may use checkout records, dashboard records, access logs, delivery evidence, refund communications and buyer messages to respond to the chargeback or provider investigation.
Nothing in this Policy limits rights that a buyer may have under mandatory law, payment network rules, card issuer rules or provider rules. However, buyers should understand that starting a chargeback without first using the PayJSR internal process may delay resolution, reduce the ability to correct delivery issues quickly and create additional evidence requirements.
If PayJSR refunds a buyer or resolves a claim internally, the buyer must not also pursue a duplicate refund, duplicate chargeback or second recovery for the same transaction unless required by mandatory law or provider rules. PayJSR may provide evidence of internal refund, support, access or delivery to providers, banks or networks.
Legal alignment: this internal-resolution-first approach supports dispute mitigation and evidence preservation without preventing mandatory chargeback, issuer, provider or consumer rights that cannot legally be waived.
17.Buyer obligations and prohibited buyer conduct
Buyers must use PayJSR honestly and must not abuse buyer protection. Buyers must not submit false refund claims, falsely deny delivery, claim non-receipt after accessing a digital product, use multiple accounts to create disputes, threaten suppliers or support staff, submit altered screenshots, attempt fraud, initiate chargebacks after receiving a refund, resell unauthorized access, share restricted access credentials, or use PayJSR to obtain products without paying.
Buyers must cooperate with reasonable evidence requests, identity verification, return instructions, courier investigations, access checks and support processes where required to resolve a claim.
PayJSR may deny claims, restrict buyer accounts, block access, report activity, provide evidence to providers or recover losses where PayJSR believes the buyer has acted fraudulently, abusively, unlawfully or in bad faith.
Legal alignment: buyer obligations support responsible consumer conduct, fraud prevention, platform integrity, supplier protection and the prevention of unfair or deceptive activity by any party.
18.Data sharing, privacy and records
By purchasing through PayJSR, the buyer agrees that PayJSR may collect and process buyer email address, name, phone number if provided, billing details, shipping details, order data, product data, payment metadata, provider references, device data, IP address, access logs, delivery evidence, support messages, dispute evidence and related records to operate checkout, deliver receipts, create the buyer account, manage support, handle refunds, prevent fraud, comply with law and protect the platform.
PayJSR may share relevant buyer information with the supplier, provider, bank, processor, card network, fraud provider, KYC provider, tax provider, courier, regulator, law enforcement, court, advisor or other third party where necessary to fulfil the order, deliver the product, support the buyer, manage a refund, process a dispute, prevent fraud, comply with law or protect PayJSR.
PayJSR may retain records for as long as reasonably necessary for receipts, support, refunds, chargebacks, disputes, legal defence, provider requirements, tax records, regulatory obligations, fraud prevention and platform protection. Data rights may be exercised as described in the PayJSR Privacy Policy, subject to lawful retention requirements.
Legal alignment: this data handling supports privacy-by-design, data minimization, lawful basis, recordkeeping, fraud prevention and cross-border data transfer principles under applicable privacy laws, including POPIA, GDPR, UK GDPR and other local data protection frameworks where applicable.
19.Operational controls
PayJSR may require checkout and dashboard controls including affirmative buyer consent, required email, order number, checkout session ID, product ID, seller ID, provider reference, product disclosure, product- specific refund and delivery terms, digital access logs, physical tracking, immediate supplier-proceeds hold for disputes, supplier evidence deadlines, dashboard notifications and support fallback through support@payjsr.com.
Every PayJSR Commerce transaction should be traceable by order number, checkout session ID, product ID, buyer email, seller ID, provider reference, amount, currency, payment method, product type, delivery status, access status and risk metadata. This traceability supports receipts, customer support, supplier evidence, refund review, dispute handling, chargeback defence, provider reconciliation and compliance review. PayJSR may update checkout and dashboard controls based on country, provider, product type, payment method, risk level, chargeback exposure, consumer law, provider rules or platform operations.
Legal alignment: operational controls help PayJSR demonstrate that checkout consent, product disclosures, transaction metadata, buyer communications and evidence workflows are captured before disputes arise.
20.Legal reference framework
This Policy is intended to support compliance with applicable electronic commerce, consumer protection, privacy, contract, tax, payment network and provider requirements. The laws listed in this section are included for clarity and do not limit other laws, regulations, provider rules or mandatory rights that may apply to a specific buyer, supplier, product, provider, payment method, country or transaction.
South Africa. Relevant frameworks may include the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, the Protection of Personal Information Act 4 of 2013, the Financial Intelligence Centre Act 38 of 2001, the National Payment System Act 78 of 1998, the Companies Act 71 of 2008 and provider, bank and payment network rules. The Electronic Communications and Transactions Act includes consumer protection provisions on cooling-off, performance, non-exclusion and complaints, subject to applicable limitations and exclusions.
United States and Delaware-related operations. Relevant frameworks may include the Federal Trade Commission Act, the Electronic Signatures in Global and National Commerce Act, the Restore Online Shoppers Confidence Act, the FTC Mail, Internet, or Telephone Order Merchandise Rule, applicable subscription and negative option rules, state consumer protection laws, Delaware law, provider rules and payment network rules.
European Union and United Kingdom. Relevant frameworks may include the EU Consumer Rights Directive 2011/83/EU, the EU Digital Content and Digital Services framework, GDPR, UK GDPR, the UK Consumer Rights Act, the UK Consumer Contracts Regulations, ePrivacy rules, card network rules, payment method rules and other mandatory consumer rights.
Mozambique. Relevant frameworks may include Law No. 3/2017 of 9 January on Electronic Transactions, the Consumer Protection Law No. 22/2009 of 28 September, consumer law regulations, the Civil Code, applicable advertising rules, digital platform rules, provider rules, bank rules and payment rules.
Cross-border operations. Depending on where the buyer, supplier, provider, product, payment method, delivery method, data processing activity or PayJSR entity is located, additional local laws may apply. PayJSR may apply the stricter operational control where necessary to preserve mandatory rights, provider compliance, buyer protection and platform safety.
21.Contracting entity and governing terms
The applicable contracting entity depends on the PayJSR service, PayJSR entity, country, product category, provider, buyer location, seller location, payout rail, tax treatment and regional terms. For South African PayJSR Commerce operations, the relevant PayJSR Selling Entity may be PayJSR (Pty) Ltd where enabled. For technology, software, APIs, platform infrastructure and global SaaS services, JSR Technologies, LLC may be the relevant technology provider or licensor, subject to the PayJSR Global Terms of Service and regional terms.
This Policy does not make any PayJSR entity jointly liable for another entity, seller, supplier, provider, bank, processor, courier, tax authority, buyer or third party unless expressly agreed in writing or required by mandatory law.
Disputes, governing law, venue, arbitration, class action waiver, jury trial waiver and limitation periods are governed by the PayJSR Global Terms of Service, subject to mandatory law and provider rules.
22.Changes, suspension and contact
PayJSR may update this Policy to reflect changes in law, provider requirements, payment network rules, product capabilities, dashboard workflows, risk standards, business operations or regional availability. Continued use of PayJSR after an updated policy becomes effective means the buyer accepts the updated policy, except where mandatory law requires a different process.
PayJSR may suspend buyer account access, seller products, checkout flows, refunds, dispute workflows or product access where PayJSR believes there is fraud, account compromise, abuse, security risk, prohibited activity, provider risk, legal risk or platform harm.
Buyer support, refund, delivery review, access review and dispute requests may be submitted through the PayJSR Customer Dashboard. If dashboard access is unavailable, buyers may contact support@payjsr.com. Business and partnership enquiries may be sent to partners@payjsr.com.
This page reproduces the PayJSR Buyer Policy. PayJSR provides commerce, billing, checkout and payment-orchestration technology and is not a bank. Services described are available for approved accounts and are subject to provider availability, compliance review and applicable law. For questions, contact support@payjsr.com.