This Commerce & Supplier Addendum is designed to be read together with the PayJSR Global Terms of Service. It governs seller, supplier, vendor, creator, platform and business participation in PayJSR Commerce.
This Addendum defines the commercial, legal, operational, product approval, onboarding, risk, reserve, fulfilment, evidence, refund, chargeback and supplier payout framework for PayJSR Commerce. It applies where a PayJSR entity may act as commerce operator, merchant of record, contracting merchant, transaction-side merchant, reseller, distributor or selling entity for eligible approved transactions while the seller remains the supplier and fulfilment partner responsible for the underlying product or service.
This Addendum is not a standalone financial services agreement. It does not create a bank account, deposit account, stored value account, e-money account, trust account, investment account, money transmission relationship, custody relationship, fiduciary relationship or open third-party payment processing relationship. PayJSR Commerce is available only where enabled by PayJSR, supported by approved providers, permitted under the applicable regional structure and approved for the relevant seller, product, category, payment method, country and payout workflow.
This Addendum should be read together with the PayJSR Global Terms of Service, PayJSR Privacy Policy, PayJSR Buyer Terms, Buyer Protection, Refund, Delivery & Dispute Policy, PayJSR Payment Orchestration Documentation, provider rules, payment network rules, pricing terms, regional terms, product-specific checkout disclosures and any written approval issued by PayJSR. If there is a conflict between this Addendum and the Global Terms of Service for a PayJSR Commerce supplier relationship, this Addendum controls only for that supplier relationship, unless mandatory law, provider rules or regional terms require otherwise.
1.Purpose and incorporation
This Addendum governs the relationship between the applicable PayJSR entity and each seller, creator, vendor, merchant, platform, business or other supplier that makes products or services available through PayJSR for sale to buyers under a PayJSR-managed commerce flow.
The purpose of this Addendum is to clarify that PayJSR Commerce is not intended to be a standalone third-party payment processing service for unrelated third-party merchants. PayJSR Commerce is a commerce infrastructure model in which the applicable PayJSR entity may operate the checkout, buyer contracting flow, order record, risk controls, refund workflow, dispute process, provider routing, supplier proceeds ledger and supplier payout workflow for eligible products or services sold through PayJSR infrastructure.
This Addendum does not guarantee approval for PayJSR Commerce. PayJSR may approve, reject, restrict, suspend or terminate access to PayJSR Commerce at any time based on legal, compliance, provider, operational, tax, reputational, fraud, chargeback, consumer protection, product, delivery, category, regional or business risk.
Capitalized terms used but not defined in this Addendum have the meanings given to them in the PayJSR Global Terms of Service. References to supplier include sellers, creators, vendors, merchants, platforms, fulfilment partners and businesses that provide, supply, license, manufacture, source, deliver or support products or services sold through PayJSR Commerce.
2.PayJSR entities and contracting structure
The PayJSR platform is built, owned, licensed or controlled through JSR Technologies, LLC, a Delaware limited liability company with file number 10508370 and registered office at 131 Continental Dr, Suite 305, Newark, Delaware 19713, United States. JSR Technologies, LLC owns, licenses or controls the PayJSR technology, software, APIs, platform infrastructure, intellectual property, brand assets, product architecture, documentation, workflows and technical systems. PayJSR (Pty) Ltd is a South African private company with registration number 2025/759018/07 and tax number 9172095292, with registered office at 11 Arundel Road, West Beach, Cape Town, Western Cape, 7441, South Africa.
PayJSR (Pty) Ltd operates independently as a regional operating company for approved PayJSR operations, South African managed commerce operations, local commercial activities and related regional workflows where enabled and permitted.
JSR Technologies, LLC and PayJSR (Pty) Ltd are separate legal entities. They may operate under one PayJSR brand and platform, but each entity is responsible only for the services, obligations, contracts, invoices, operations, products, technology, payments, payouts, taxes, liabilities and disputes that it expressly provides, controls or accepts in writing. For PayJSR Commerce, the applicable PayJSR entity that acts as the commerce operator, merchant of record, contracting merchant, reseller, distributor, selling entity or seller-facing contracting party is referred to in this Addendum as the PayJSR Selling Entity. The PayJSR Selling Entity may be PayJSR (Pty) Ltd, JSR Technologies, LLC, a future PayJSR regional entity or another approved PayJSR operating structure depending on the country, account approval, product category, provider, payment method, buyer location, supplier location, payout rail, tax treatment and regional terms.
Unless PayJSR expressly confirms otherwise, PayJSR (Pty) Ltd is the PayJSR Selling Entity only for South African regional PayJSR Commerce and related workflows enabled through PayJSR (Pty) Ltd. JSR Technologies, LLC remains the technology owner, software provider, infrastructure provider and IP licensor for PayJSR global platform services, and may act as a selling or contracting entity only where expressly enabled through a compliant operating model, approved provider structure or separate written arrangement.
No PayJSR entity is jointly liable for the debts, taxes, losses, payouts, chargebacks, refunds, disputes, provider obligations, regulatory obligations, legal claims, contracts, representations, employees, contractors, users, suppliers, sellers or business activities of another PayJSR entity, unless expressly agreed in writing or required by mandatory applicable law.
3.Core commercial model for PayJSR Commerce
In PayJSR Commerce, the applicable PayJSR Selling Entity may act as merchant of record, contracting merchant, transaction merchant, reseller, distributor or commerce operator for eligible approved transactions. The buyer purchases through the PayJSR checkout, PayJSR order flow, PayJSR buyer terms and PayJSR commerce infrastructure. The supplier provides, licenses, manufactures, develops, sources, maintains, supports, fulfils or delivers the underlying product or service sold through that infrastructure.
The supplier is not using PayJSR merely as a third-party payment processor for the supplier's separate checkout. The supplier is participating in a PayJSR commerce program under which PayJSR may list, present, offer, sell, bill, collect, refund, cancel, manage disputes, manage risk, route through providers and settle eligible products or services through PayJSR's own commerce, checkout, billing and orchestration infrastructure.
The supplier remains responsible for the underlying product or service, including product quality, delivery, access, fulfilment, stock, support, product claims, warranties, advertising claims, tax information, product classification, licensing, legal compliance, customer communications, buyer complaints and evidence of delivery.
PayJSR's role in PayJSR Commerce is broader than payment acceptance. PayJSR may provide product creation, product hosting, sales pages, stock and inventory tools, checkout sessions, payment links, subscriptions, order records, buyer communications, customer portal, provider orchestration, routing, retry logic, webhook normalization, event standardization, balance records, supplier payout workflows, refund handling, dispute tools, risk review, fraud controls and related commerce infrastructure.
Nothing in this Addendum requires PayJSR to operate a PayJSR Commerce model in any country where PayJSR does not have a compliant pathway, approved provider relationship, regional operating structure, sponsoring arrangement, licensed partner, bank-supported pathway or other legally appropriate basis. PayJSR may limit PayJSR Commerce by country, product type, provider, payment method, supplier category, transaction size, risk level, delivery method, payout rail or compliance status.
4.Supplier appointment, authorization and reseller relationship
The supplier appoints the applicable PayJSR Selling Entity as a non-exclusive authorized commerce operator, reseller, distributor, merchant of record or contracting merchant, as applicable, for the purpose of offering, marketing, listing, selling, billing, collecting, refunding, cancelling, managing disputes and managing eligible products or services through the PayJSR platform.
The supplier authorizes PayJSR to display the supplier's products or services, create or host checkout flows, present the supplier's approved legal name, business name, store name, product name or support details where necessary, charge buyers, issue or facilitate receipts, apply taxes where PayJSR determines it is required or appropriate, process refunds, cancel orders, respond to disputes, deduct fees, create reserves, delay payouts and take protective action under this Addendum.
The supplier grants PayJSR the right to use product information, product images, product files, product descriptions, sales copy, pricing information, tax data, delivery information, stock data, subscription information, customer support information, brand materials and other supplier content as necessary to operate the PayJSR commerce flow, comply with law, support buyers, manage risk, respond to disputes and protect PayJSR.
The appointment is non-exclusive unless a separate written agreement states otherwise. The supplier may sell outside PayJSR, but products sold through PayJSR Commerce must comply with PayJSR's terms, buyer policies, product- specific checkout disclosures, product review requirements, fulfilment standards, provider rules, payment network rules and regional requirements.
PayJSR may refuse to list, remove from sale, delist, pause, suspend, change, classify, restrict, disable or terminate any product, service, subscription, sales page, checkout, supplier account or buyer flow if PayJSR believes it creates legal, regulatory, tax, fraud, chargeback, consumer, provider, reputational, operational, fulfilment or security risk.
5.Seller onboarding, KYB and product approval
No supplier, account, product, category, checkout, payment method, provider route, country, currency, payout rail, payout schedule or volume level is automatically approved merely because a supplier has created an account or accessed the dashboard. Account approval, product approval, category approval, provider-route approval, payment- method approval and payout approval are separate approvals and may be granted, denied, limited or withdrawn independently.
PayJSR may require identity verification, business verification, beneficial ownership information, director information, tax information, bank account information, payout details, supplier information, product information, supplier contracts, proof of stock, proof of delivery, proof of licensing, proof of authorization, transaction history, historical sales records, refund history, chargeback history, customer support records, invoices, website details, social media pages and other information PayJSR considers necessary.
For individuals, PayJSR may require legal name, date of birth where permitted, identity documents, address information, tax information, contact information, country of residence, business activity details and payout information. For businesses, PayJSR may require registered name, trading name, registration number, address, tax number, director information, beneficial ownership information, authorized representative information, bank details, websites, support details and ownership documents.
Product review may include product name, product description, product type, product category, price, currency, delivery method, delivery timeline, refund terms, cancellation terms, subscription terms, support contact, product claims, fulfilment evidence, stock evidence, supplier rights, licensing evidence, marketing materials, buyer terms and any other information needed to determine whether the product may be sold through PayJSR Commerce.
PayJSR may require stronger review for first-time suppliers, high-value products, high-volume sellers, physical products, cross-border shipping, restricted categories, regulated products, services with delivery risk, digital products with high refund exposure, subscription offers, marketplace-like flows, pre-orders, products with aggressive marketing claims or products that have high chargeback risk.
Approval is not permanent. PayJSR may re-review the supplier, product, category, provider route, payout schedule or account at any time, including after changes in volume, refund ratio, chargeback ratio, buyer complaints, product category, marketing claims, fulfilment performance, ownership, country, provider rules, payment network rules, regulatory expectations or PayJSR risk view.
6.Eligible, restricted and prohibited supplier activities
PayJSR Commerce is intended for lawful, approved and commercially legitimate products and services sold through a PayJSR commerce flow. Eligible categories may include SaaS, software, applications, business tools, approved digital products, approved physical products, memberships, subscriptions, online services, creator products, education products, templates, platform services, approved marketplace-like commerce flows and other products or services approved by PayJSR.
Restricted categories may require manual approval, additional documents, lower limits, delayed payouts, delivery holds, rolling reserves, fixed reserves, proof of delivery, proof of stock, proof of licensing, proof of fulfilment, customer support verification, supplier verification, provider approval or written approval before sale. Restricted categories may include high-ticket digital products, financial education, trading education, coaching, consulting, events, pre-orders, cross-border physical goods, dropshipping or third-party fulfilment, health or wellness claims, regulated goods, marketplace-like seller networks, high-value physical products, custom goods, subscription services and any category PayJSR considers higher risk.
Prohibited activities include illegal products, fraudulent activity, deceptive sales practices, unauthorized financial services, money laundering, terrorist financing, sanctions evasion, tax evasion, stolen goods, counterfeit goods, fake documents, identity fraud, card testing, unauthorized card use, phishing, malware, hacking tools, illegal drugs, unlicensed medicine, unsafe products, weapons, gambling, betting, lotteries, pyramid schemes, get-rich-quick schemes, misleading investment products, adult sexual content or services, products that infringe intellectual property, products that violate consumer protection laws, products that cannot be fulfilled, products with false claims, or any business PayJSR considers high risk, harmful, unlawful, misleading, reputationally damaging or incompatible with the platform. The supplier must not use PayJSR Commerce to process transactions for another business without approval, split transactions to avoid review, submit false information, simulate sales, use fake buyers, move funds without a genuine underlying sale, evade sanctions, avoid tax obligations, manipulate refund or chargeback ratios, bypass provider rules, disguise the source or destination of funds, or use PayJSR for unlawful financial activity.
PayJSR may immediately reject, suspend, restrict, hold, refund, reserve, terminate or report any account, product, checkout, transaction, payout or activity that PayJSR believes may involve prohibited activity, restricted activity without approval, false claims, non-delivery, excessive disputes, excessive refunds, excessive chargebacks, sanctions risk, AML risk, provider risk or legal risk.
7.Product-specific refund, delivery, access and cancellation terms
Each product or service sold through PayJSR Commerce must have clear product-specific terms before it is made available to buyers. These terms may include product description, product category, delivery method, expected delivery time, access method, refund rules, cancellation rules, subscription rules, support contact, product limitations, return conditions and any category-specific requirements.
For digital products, the supplier must disclose whether access is instant, delayed, subscription-based, license-based, download-based, membership-based, course-based, software-based or service-based. The supplier must maintain access logs, download logs, license activation records, account creation records, timestamps, support records and any other evidence PayJSR reasonably requests.
For physical products, the supplier must disclose delivery method, delivery timeline, shipping charges, return rules, product condition, stock status, customs or import limitations where relevant, tracking requirements and support contact. PayJSR may require proof of stock, proof of dispatch, tracking numbers, courier records, proof of delivery, buyer delivery confirmation, photos, return evidence or other fulfilment evidence before supplier proceeds become eligible for payout. For subscriptions, memberships and recurring billing, the supplier must disclose billing amount, billing frequency, renewal date, trial terms, cancellation method, minimum commitment if any, service scope and whether the buyer will be charged automatically. The supplier must maintain consent records, checkout timestamp, IP address, device information, accepted subscription terms, renewal notices, cancellation requests and support records.
Product-specific terms must not contradict PayJSR's Terms, this Addendum, the Buyer Terms, the Refund, Delivery & Dispute Policy, provider rules or mandatory law. PayJSR may override, reject, modify or refuse product-specific terms where PayJSR believes they are misleading, unlawful, unfair, incomplete, unclear, high risk or incompatible with consumer protection requirements or provider rules.
8.Buyer relationship, checkout and customer terms
For PayJSR Commerce, buyers may contract with the applicable PayJSR Selling Entity for the checkout-side transaction and PayJSR commerce checkout. The supplier remains responsible for the underlying product or service, fulfilment, delivery, product quality, warranties, customer support, product claims, product content, marketing claims and compliance with applicable consumer laws.
PayJSR may determine the checkout experience, checkout domain, payment page, order confirmation, buyer terms, refund policy, delivery policy, cancellation flow, receipt language, transaction descriptor, customer portal, support routing and buyer communication format for PayJSR Commerce.
PayJSR may disclose to buyers the supplier's approved legal name, business name, store name, product name, product description, support contact, delivery terms, cancellation terms, refund terms or other information required to reduce buyer confusion, comply with law, reduce chargebacks or manage disputes.
The supplier must provide accurate information for each product or service, including price, currency, tax treatment, product description, delivery method, delivery timeline, subscription terms, cancellation terms, refund rules, support contact and any material limitation. PayJSR may reject or modify checkout presentation where necessary to comply with law, provider rules, consumer protection standards or risk policies.
The supplier must not represent to buyers that PayJSR guarantees the product, produces the product, manufactures the product, provides all customer support, is responsible for all supplier promises, guarantees a result, provides a bank account, provides a deposit account, or guarantees payout to the supplier.
9.Fulfilment, delivery and support
The supplier is solely responsible for fulfilment and delivery of the underlying product or service unless PayJSR expressly agrees in writing to perform a specific fulfilment obligation. For digital products, fulfilment may include providing downloads, access links, account access, license keys, course access, membership access, software access, onboarding, updates or other digital delivery. For physical products, fulfilment may include stock management, packaging, shipping, tracking, returns, customs documentation and delivery confirmation.
The supplier must fulfil orders promptly and in accordance with the product description, delivery terms, buyer expectations, applicable consumer laws and PayJSR requirements. The supplier must maintain adequate support channels and respond to buyer support requests, refund requests, access issues, subscription issues, delivery complaints and dispute requests within the timeline required by PayJSR or applicable law.
The supplier must maintain accurate delivery evidence. Delivery evidence may include tracking numbers, courier confirmation, proof of shipment, proof of delivery, download logs, access logs, license activation logs, login logs, IP records, timestamped communications, service completion records, screenshots, customer acknowledgements, onboarding records or other evidence PayJSR reasonably requests.
If the supplier fails to fulfil, fails to provide evidence, fails to respond to support requests, provides misleading product information, misses delivery timelines or creates buyer harm, PayJSR may refund buyers, suspend products, hold supplier proceeds, increase reserves, delay payouts, terminate PayJSR Commerce access or recover losses from the supplier.
10.Product rights, content and intellectual property
The supplier represents that it owns or has all rights, licenses, permissions and authorizations necessary to sell, license, distribute, supply, deliver, market, describe, display and support each product or service offered through PayJSR.
The supplier retains ownership of supplier content and underlying product intellectual property, subject to the rights granted to PayJSR in this Addendum and the PayJSR Global Terms of Service. The supplier grants PayJSR a worldwide, non-exclusive, royalty-free, sublicensable right to host, display, reproduce, distribute, sell, offer, market, transmit, process, format, translate, store, modify for technical purposes and otherwise use supplier content as necessary to operate PayJSR Commerce, support buyers, process transactions, handle disputes, comply with law and protect PayJSR.
The supplier is responsible for all claims that a product, service, file, image, video, text, software, brand, trademark, sales page, AI-assisted content, marketing message, product description or buyer communication infringes intellectual property or violates third-party rights. PayJSR may remove or disable any content or product if PayJSR believes it may be infringing, unlawful, misleading, high risk or harmful.
The supplier must review and approve all product pages, AI-generated pages, product descriptions, checkout copy, claims, images, videos, funnels, advertisements and customer communications before publication. PayJSR is not responsible for supplier claims, product promises, fulfilment statements, income claims, medical claims, financial claims or other representations made by the supplier.
11.Pricing, fees and PayJSR commercial compensation
PayJSR may determine or approve the checkout price, display price, fee disclosure, currency, tax presentation, discount logic, coupon logic, subscription billing flow and payment method availability for products sold through PayJSR Commerce. The supplier must not misrepresent pricing or impose hidden charges on buyers outside the PayJSR checkout flow for the same transaction.
PayJSR may charge platform fees, commerce fees, technology fees, managed commerce operation fees, transaction fees, checkout fees, billing fees, subscription fees, provider pass-through fees, payout fees, FX fees, refund fees, chargeback fees, dispute fees, tax processing fees, compliance fees, reserve requirements, support fees and other fees described in PayJSR pricing, the dashboard, an order form, a written agreement or provider terms.
PayJSR's compensation may be structured as a platform fee, technology fee, reseller margin, commerce margin, transaction fee, usage fee, subscription fee, routing fee, payout fee, FX margin or another commercial fee. These fees compensate PayJSR for commerce infrastructure, product tools, checkout, billing, orchestration, ledger records, risk operations, provider integrations, buyer flows, support tooling and related platform services. They are not described solely as payment processing fees.
PayJSR may deduct all applicable fees, provider charges, refunds, chargebacks, disputes, reserves, taxes, payout costs, FX costs, penalties, negative balances and other amounts owed before calculating or releasing supplier proceeds.
12.Supplier proceeds, PayJSR Balance and payouts
Supplier proceeds are the internal ledger amounts that may become payable to the supplier after PayJSR receives or records settlement for a PayJSR Commerce transaction and after all deductions, reserves, refunds, chargebacks, provider fees, platform fees, taxes, compliance holds, risk holds, negative balances and other adjustments are applied. PayJSR Balance is an internal account record and operational ledger. It is not a bank account, deposit account, stored value account, e-money account, trust account, escrow account, investment account or general payment account. It does not earn interest, is not insured as a deposit and does not represent an unconditional right to immediate payment. Payouts are conditional. PayJSR may release supplier proceeds only after provider settlement, successful reconciliation, risk review, compliance review, reserve review, tax review, refund exposure review, chargeback exposure review, delivery review, payout rail availability and any other review PayJSR considers necessary.
PayJSR may delay, split, reduce, reverse, cancel, suspend or reject any payout if PayJSR believes there is legal risk, provider risk, regulatory risk, fraud risk, buyer risk, chargeback risk, refund risk, tax risk, sanctions risk, money laundering risk, product risk, non-delivery risk, documentation risk, negative balance exposure, suspicious activity or violation of PayJSR terms.
Payout schedules are estimates and may depend on provider settlement, bank processing, payment method, currency, country, buyer risk, supplier risk, chargeback window, reserve requirements and operational review. PayJSR does not guarantee instant or automatic payout unless expressly agreed in writing and supported by an enabled payout method.
13.Reserve, hold, payout and evidence matrix
PayJSR may apply reserves, holds and evidence requirements based on supplier profile, product type, product category, payment method, transaction size, buyer location, delivery method, provider rules, refund ratio, chargeback ratio, support performance and regional compliance requirements.
For digital products, PayJSR may require access logs, download logs, license activation records, account creation records, IP records, device signals, timestamps, customer support messages and product description evidence. PayJSR may hold proceeds where access is disputed, delivery is unclear, product claims are misleading, access logs are missing or the product is high risk.
For physical products, PayJSR may require proof of stock, dispatch confirmation, tracking numbers, courier scans, proof of delivery, buyer delivery confirmation, return evidence, product condition photos and support records. PayJSR may delay payout until shipment or delivery evidence is received, especially for first-time suppliers, high-value goods, cross- border goods or products with high dispute risk.
For services, PayJSR may require service description, agreed scope, onboarding records, completion records, customer acknowledgements, appointment logs, communication records and support history. PayJSR may hold proceeds where service delivery cannot be verified or where the buyer raises a timely dispute.
For subscriptions and recurring billing, PayJSR may require proof of buyer authorization, checkout timestamp, accepted recurring terms, renewal notices, cancellation flow, cancellation requests, access logs and support records. PayJSR may refund or block recurring charges where authorization, disclosure or cancellation evidence is insufficient.
For restricted or higher-risk categories, PayJSR may require manual approval, lower limits, delayed payouts, rolling reserves, fixed reserves, percentage reserves, delivery holds, dispute reserves, compliance holds, provider approval, category approval, product approval, additional documentation or written authorization before processing or payout.
A reserve or hold may remain in place after account suspension, account termination, product removal, payout completion or cessation of use if PayJSR believes funds may be needed to cover refunds, chargebacks, disputes, provider claims, buyer claims, fines, penalties, negative balances, tax exposure, legal claims or other losses.
14.Provider settlement, routing and third-party dependencies
PayJSR may use gateways, processors, acquirers, banks, wallets, open banking providers, mobile money providers, card networks, payout providers, fraud tools, identity providers, tax tools and other approved providers to support PayJSR Commerce. PayJSR may route or retry eligible transactions based on country, currency, method, amount, provider availability, approval rates, risk, compliance, cost, fallback rules or other operational criteria.
Provider rules, payment network rules and banking partner rules may apply to any transaction, refund, dispute, settlement, payout or account. If a provider delays, holds, reverses, rejects, freezes, refunds, charges back, fines, audits, reviews, terminates or restricts a transaction or account, PayJSR may mirror or pass through the impact to the supplier, including by holding supplier proceeds, creating reserves, delaying payouts, requesting documents or terminating access.
PayJSR is not liable for provider downtime, provider errors, provider holds, provider settlement delays, provider terminations, provider restrictions, provider declines, network disputes, bank reversals, card network rules, third-party fraud decisions or any loss caused by a provider, bank or payment network outside PayJSR's reasonable control.
PayJSR may change providers, disable providers, add providers, remove providers, route away from providers, change retry logic, change payment methods or change settlement workflows at any time where necessary for risk, compliance, availability, pricing, performance, legal requirements or business operations.
15.No direct storage of sensitive card data
PayJSR is designed to use provider tokenization, hosted payment components, provider-managed vaults or equivalent secure payment architecture where supported. Unless expressly stated otherwise, PayJSR does not directly store full card numbers, full magnetic stripe data, full EMV chip data, full card security codes, PINs or sensitive authentication data on PayJSR servers.
PayJSR may store provider tokens, payment method references, transaction identifiers, authorization identifiers, customer identifiers, last four digits, card brand, expiry metadata, billing metadata, risk metadata, provider response data, webhook data, checkout status, refund status, dispute status, settlement status and reconciliation metadata necessary to operate the platform.
The supplier must not send full card numbers, card security codes, sensitive authentication data, bank credentials or other restricted payment data to PayJSR except through approved PayJSR or provider interfaces. If a supplier sends restricted payment data improperly, PayJSR may delete it, suspend the account, report the incident, require remediation or terminate access.
The supplier must comply with applicable security requirements, provider security terms, card network rules and PCI DSS obligations that apply to the supplier's own systems, integrations, websites, applications, employees, contractors or data handling practices.
16.Risk review, AML, sanctions, fraud and KYC/KYB controls
PayJSR may maintain risk review, transaction monitoring, fraud screening, AML controls, sanctions screening, velocity checks, dispute monitoring, refund monitoring, payout monitoring, device checks, IP checks, buyer pattern review, product risk review, delivery review, provider review and other protective controls.
PayJSR may request identity verification, business verification, beneficial ownership information, tax information, bank account information, payout details, supplier information, product information, supplier contracts, proof of stock, proof of delivery, proof of licensing, proof of authorization, transaction history, customer support records, invoices, website details, social media pages and other information PayJSR considers necessary.
The supplier must not use PayJSR to disguise the source, ownership, destination or purpose of funds. The supplier must not use PayJSR to process transactions for another business without approval, split transactions to avoid review, submit false information, use fake buyers, simulate sales, move funds without a genuine underlying sale, evade sanctions, avoid tax obligations, manipulate chargeback ratios, bypass provider rules or use PayJSR for unlawful financial activity.
PayJSR may block, delay, reject, refund, reverse, hold, investigate or report any transaction, payout, account, product or activity where PayJSR believes there may be money laundering, sanctions exposure, terrorist financing, fraud, illegal activity, suspicious activity, provider risk, regulatory risk or violation of PayJSR terms.
PayJSR may cooperate with providers, banks, regulators, tax authorities, courts, law enforcement and financial intelligence bodies where required or permitted by law.
17.Refunds, cancellations, chargebacks and buyer protection
PayJSR may determine refund, delivery, cancellation, dispute and chargeback handling for PayJSR Commerce in accordance with the PayJSR Global Terms of Service, Buyer Terms, Refund, Delivery & Dispute Policy, this Addendum, provider rules, consumer protection laws, product category, product-specific checkout terms, delivery evidence, access evidence, risk review and business judgment.
The supplier is responsible for all refunds, chargebacks, disputes, reversals, provider fees, bank fees, network fees, dispute fees, penalties, buyer claims, non-delivery claims, product claims, fraud claims, unauthorized transaction claims, subscription claims and related losses connected to the supplier's products, services, transactions or account.
PayJSR may refund a buyer without supplier approval where PayJSR believes a refund is required or appropriate due to law, provider rules, card network rules, consumer protection rules, non-delivery, product defect, duplicate charge, unauthorized transaction, misleading claims, seller non-response, customer harm, high risk, dispute prevention, chargeback mitigation, platform protection or buyer protection.
The supplier must cooperate with all refund, cancellation, delivery, dispute and chargeback investigations. PayJSR may require delivery evidence, support records, product descriptions, checkout records, IP addresses, device records, access logs, download logs, communication records, refund policy acceptance, subscription authorization or other evidence.
If the supplier fails to respond, fails to prove delivery, provides false evidence, misleads buyers, violates PayJSR terms or creates excessive risk, PayJSR may accept the chargeback, issue a refund, hold supplier proceeds, increase reserves, suspend products, terminate access or recover losses from the supplier.
18.Taxes and merchant of record tax treatment
The supplier remains responsible for all taxes, duties, levies, VAT, GST, sales tax, digital services tax, withholding tax, income tax, customs duties, import duties, marketplace tax, product taxes, supplier taxes, local business taxes and other governmental charges connected to the supplier's business, products, services, fulfilment, employees, contractors, revenue, payouts or use of PayJSR, except to the limited extent PayJSR expressly states in writing that PayJSR will handle a specific tax obligation for a specific transaction, country or product category.
Where PayJSR acts as merchant of record for eligible PayJSR Commerce, PayJSR may calculate, collect, withhold, deduct, report or remit certain taxes where PayJSR determines that it is required or appropriate under applicable law, provider rules, operating requirements or PayJSR policy. PayJSR's role as merchant of record does not make PayJSR the manufacturer, importer, exporter, distributor for all purposes, tax advisor, legal advisor, employer, tax representative or permanent establishment of the supplier unless expressly required by law or agreed in writing.
The supplier must provide accurate product classification, seller location, buyer location, tax registration information, tax identification numbers, invoice information, product type, service type, delivery country, fulfilment information, exemption documentation and any other information required for tax treatment. PayJSR may rely on information provided by the supplier.
If any tax, penalty, interest, assessment, audit finding, withholding, reassessment, undercollection, overcollection, reporting failure or government claim arises because the supplier provided inaccurate, incomplete, late, misleading or false information, the supplier is responsible for the resulting liability.
The supplier agrees to indemnify and hold harmless PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their affiliates, directors, officers, employees, contractors, providers and partners from and against any taxes, duties, penalties, interest, assessments, claims, audits, fees, costs, losses or expenses arising from the supplier's products, services, business activities, tax status, tax reporting, incorrect information, failure to register, failure to provide documents, failure to classify products correctly, failure to comply with tax laws, or any tax liability not expressly accepted by PayJSR in writing.
19.Regional compliance and activation
South African PayJSR Commerce operations are available only for approved accounts and eligible products through PayJSR (Pty) Ltd, approved providers, banking partners, sponsoring arrangements, licensed or registered partners or other compliant regional structures where enabled.
Without limitation, South African operations may be subject to the Companies Act 71 of 2008, the Electronic Communications and Transactions Act 25 of 2002, the Consumer Protection Act 68 of 2008, 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 Banks Act 94 of 1990, the Value-Added Tax Act 89 of 1991, the Income Tax Act 58 of 1962, the Tax Administration Act 28 of 2011, the Cybercrimes Act 19 of 2020, the Arbitration Act 42 of 1965, the Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004, provider rules, payment network rules and any applicable directives, guidance or requirements.
PayJSR's South African commerce model is intended to operate as a managed commerce and merchant of record model for approved products or services sold through the PayJSR platform, not as an open unlicensed third-party payment processing service. If a South African regulator, provider, bank, payment network or applicable rule requires registration, authorization, sponsoring bank registration, partnership with a licensed provider or a different operating structure for any activity, PayJSR may limit, suspend, restructure or enable that activity only through an appropriate compliant pathway.
United States and Delaware-related operations, including technology licensing, software ownership, intellectual property, platform infrastructure, APIs, electronic contracting, arbitration, commercial conduct, sanctions, tax, AML-related controls and services provided, licensed or controlled by JSR Technologies, LLC, may be subject to applicable United States federal law and Delaware law. JSR Technologies, LLC is primarily the technology owner, software provider, platform infrastructure provider and IP licensor for PayJSR unless a separate compliant operating structure expressly enables another role.
Mozambique and other cross-border operations may be subject to local electronic transaction, e-commerce, privacy- related, cyber security, consumer protection, payment, tax, AML, sanctions, telecom, banking, provider and payment network requirements. PayJSR may restrict or activate specific methods, providers, categories or payout rails only when there is an appropriate provider-supported, bank-supported or legally appropriate pathway.
PayJSR may activate PayJSR Commerce country by country, entity by entity, provider by provider, product category by product category, payment method by payment method or supplier by supplier. PayJSR may require regional terms, additional contracts, local tax information, local KYC/KYB, proof of regulatory status, proof of licensing, provider approval, bank approval or partner approval before enabling PayJSR Commerce in a country.
20.Data, privacy, evidence and records
PayJSR may collect, process, store, use and share personal data, business data, transaction data, payment metadata, device data, risk data, compliance data, buyer data, supplier data, order data, delivery evidence, support records and other information as described in the PayJSR Privacy Policy and applicable data protection terms.
PayJSR may retain evidence records for transactions, refunds, chargebacks, disputes, fraud review, tax review, compliance review, audit, provider requirements, regulatory obligations and legal defence. Evidence records may include checkout session IDs, product IDs, buyer contact details, IP addresses, device information, timestamps, payment method metadata, provider references, delivery logs, access logs, refund acceptance, subscription authorization, support communications and supplier documentation.
Depending on the context, PayJSR may act as an independent controller, responsible party, processor, operator, service provider or similar role under applicable privacy laws. Suppliers are responsible for their own privacy notices, customer permissions, marketing consent, support records, uploaded data and buyer data obligations.
The supplier must not upload or transmit data to PayJSR unless the supplier has the right to do so. The supplier must not use PayJSR to process sensitive data or restricted data in violation of PayJSR policies, privacy laws or provider rules.
21.Audits, information requests and ongoing monitoring
PayJSR may request information, documents, explanations, product evidence, tax records, fulfilment records, supplier agreements, provider approvals, customer support records, refund records, chargeback evidence, marketing materials, website links, social media links, ownership records, bank records or other information at onboarding or at any time during the relationship.
The supplier must respond promptly and truthfully. If the supplier fails to provide requested information, provides incomplete information, provides false information or creates unacceptable risk, PayJSR may reject products, hold supplier proceeds, increase reserves, disable checkout, suspend payouts, terminate PayJSR Commerce access or report activity where required or permitted.
PayJSR may monitor transactions, buyer complaints, refund ratios, dispute ratios, chargeback ratios, delivery performance, support response times, provider responses, account changes, ownership changes, login patterns, payout requests, product changes, marketing claims and other indicators relevant to risk and compliance.
PayJSR may impose additional limits or requirements where monitoring indicates increased risk, including lower transaction limits, delayed payouts, additional reserves, manual review, product pause, checkout pause, provider-route disablement or termination.
22.Suspension, product removal and termination
PayJSR may immediately suspend, restrict, limit or terminate PayJSR Commerce, supplier access, products, checkouts, payout workflows, API access, provider routes or account features if PayJSR believes there is fraud, high risk, excessive refunds, excessive chargebacks, buyer complaints, non-delivery, misleading marketing, prohibited products, tax risk, documentation issues, false information, sanctions risk, AML risk, provider risk, regulatory risk, legal risk, account compromise, violation of PayJSR terms or harm to PayJSR, buyers, providers, banks or the platform.
Termination does not remove the supplier's responsibility for refunds, chargebacks, disputes, negative balances, fees, penalties, taxes, customer claims, provider claims, legal claims or other obligations arising before or after termination. After suspension or termination, PayJSR may continue to hold reserves, deduct amounts, process refunds, respond to disputes, retain records, recover losses, restrict payout, cooperate with providers, cooperate with regulators and take any action necessary to protect PayJSR.
PayJSR may notify providers, banks, payment networks, regulators, tax authorities, law enforcement or other parties where required or permitted by law, provider rules or platform protection requirements.
23.Negative balances, set-off and recovery
If refunds, chargebacks, disputes, provider costs, penalties, reversals, payout errors, tax deductions, compliance costs or other amounts exceed the supplier's available proceeds, the supplier will have a negative balance and must pay PayJSR the amount owed on demand.
PayJSR may recover negative balances and losses by deducting from current balances, future supplier proceeds, reserves, future payouts, connected accounts, invoices or any other amount payable to the supplier. PayJSR may also invoice the supplier, debit an authorized payment method where permitted, refer the debt to collection, bring legal action, initiate arbitration or take any lawful recovery action.
PayJSR may set off any amount owed by the supplier against any amount PayJSR owes or may owe to the supplier, to the maximum extent permitted by law.
The supplier remains responsible for negative balances, chargeback losses, refund losses, provider fees, dispute fees, penalties, tax liabilities, legal costs and enforcement costs after account closure, suspension, termination, payout completion or cessation of use of PayJSR.
24.Supplier indemnity
The supplier agrees to indemnify, defend and hold harmless PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their affiliates, directors, officers, employees, contractors, licensors, providers and partners from and against any claims, losses, damages, penalties, fines, fees, costs, expenses, chargebacks, refunds, disputes, provider claims, buyer claims, tax claims, intellectual property claims, data claims, regulatory claims, consumer claims, product claims, legal claims or liabilities arising from the supplier's products, services, content, marketing, sales, fulfilment, non-delivery, customer support, taxes, misuse of PayJSR, violation of PayJSR terms, violation of law, violation of provider rules, fraud, negligence, misrepresentation or failure to pay amounts owed.
This indemnity applies whether the claim is brought by a buyer, provider, bank, card network, regulator, tax authority, employee, contractor, supplier, business partner, consumer authority, competitor, intellectual property owner, data subject or any other third party.
PayJSR may withhold supplier proceeds, maintain reserves or recover amounts necessary to protect itself from indemnified claims, potential claims, pending disputes, investigations, audits or threatened losses.
25.No warranty and limitation of PayJSR responsibility
PayJSR provides PayJSR Commerce, commerce tools, checkout, billing, provider orchestration, balance records, payout workflows and related infrastructure on an as is and as available basis, subject to applicable law.
PayJSR does not guarantee that PayJSR Commerce will be available in every country, available for every supplier, available for every product, approved by every provider, compatible with every business model, free from declines, free from delays, free from chargebacks, free from refunds, free from buyer complaints, free from provider holds or free from regulatory review.
To the maximum extent permitted by law, PayJSR is not liable for indirect, incidental, special, consequential, punitive or exemplary damages, loss of profits, loss of revenue, loss of business, loss of goodwill, loss of data, loss of customers, provider downtime, payment declines, payout delays, chargebacks, account holds, reserves, suspended products, terminated providers or third-party actions.
Nothing in this Addendum limits liability that cannot legally be limited under mandatory applicable law.
26.Dispute resolution, governing law and venue
Disputes under this Addendum are governed by the Contracting Entity, Governing Law, Arbitration, Venue and Dispute Resolution section of the PayJSR Global Terms of Service, as updated from time to time, unless a separate written agreement states otherwise or mandatory law requires otherwise.
For disputes involving JSR Technologies, LLC, PayJSR technology, platform infrastructure, intellectual property, APIs, software licensing, United States operations, Delaware-governed services or claims against JSR Technologies, LLC, the governing law, arbitration seat and exclusive venue are those specified for JSR Technologies, LLC in the PayJSR Global Terms of Service.
For disputes involving PayJSR (Pty) Ltd, South African PayJSR Commerce operations, South African settlement workflows, South African payout workflows, South African regional services or claims against PayJSR (Pty) Ltd, the governing law, arbitration seat and exclusive venue are those specified for PayJSR (Pty) Ltd in the PayJSR Global Terms of Service.
The supplier agrees that a dispute does not require PayJSR to release funds, remove reserves, approve payouts, restore account access, reopen a terminated account, stop a risk review, cancel a compliance hold, stop a refund, stop a chargeback response, stop a provider investigation or stop any protective action PayJSR considers necessary.
27.Changes to this Addendum
PayJSR may update this Addendum at any time to reflect changes in law, provider requirements, payment network rules, tax requirements, regulatory expectations, risk standards, business operations, regional availability, product capabilities or compliance requirements.
When PayJSR makes material changes, PayJSR may notify suppliers by posting the updated Addendum on the website, sending an email, showing a dashboard notice or using another reasonable method. Continued use of PayJSR Commerce after the updated Addendum becomes effective means the supplier accepts the updated Addendum. If the supplier does not agree, the supplier must stop using PayJSR Commerce.
28.Survival
The provisions relating to supplier responsibility, entity responsibility, merchant of record structure, product liability, product approval, prohibited and restricted activities, fulfilment, delivery, taxes, reserves, holds, payouts, chargebacks, refunds, negative balances, indemnity, intellectual property, data, confidentiality, provider rules, compliance, arbitration, venue, limitation of liability and recovery of losses survive account closure, suspension, termination, payout completion, contract termination and cessation of use of PayJSR.
29.Contact
Questions about this Addendum may be sent to support@payjsr.com. Business and partnership enquiries may be sent to partners@payjsr.com.
This Addendum applies together with the PayJSR Global Terms of Service, PayJSR Privacy Policy, PayJSR Buyer Terms, Buyer Protection, Refund, Delivery & Dispute Policy, PayJSR Payment Orchestration Documentation, pricing terms, provider rules, regional terms, product-specific checkout disclosures and any other agreement, notice or approval provided by PayJSR.
This page reproduces the PayJSR Commerce & Supplier Addendum. 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.