Acceptance Policy and Terms

Pay. offers its services to start-ups, SMEs, and multinationals. Our goal is to support you in successfully running your (online) business. At the same time, we're a commercial company: our time, like yours, is limited. That's why we unfortunately can't accept every application.

In doing so, we weigh up:

• The time and resources we need to invest to provide our services.

• The compensation we receive for this.

As a result:

• Startup entrepreneurs can use the free Pioneer package, often without extensive support.

• More complex businesses with intensive support are assessed based on their financial business case.

• Free package requests can be declined if the transactions required for support are too low.

• An upgrade to a paid package can be an option in that case.

Certainty for your customers

Pay. offers guarantees and support to protect consumers:

• Correct and timely delivery of orders

• Monitoring of complaints or disputes

• Up to 50% compensation via our guarantee fund in the event of intentional non-delivery

Tip: To provide these guarantees, we often ask for more evidence of your business operations, such as purchase invoices or dropshipping agreements.

Cherry-picking payment options

We process a healthy mix of payment methods to limit risks and compare transactions within your industry.

We usually can't accept businesses that:

• Only use Riverty, Klarna, Alipay, or WeChat Pay

• Only accept credit cards

• Don't use iDEAL or Bancontact for a BeNeLux target audience

Compliance & Risk

Sometimes we're unable to sufficiently verify the documentation, or certain businesses carry too high a financial risk.

• Rejection doesn't automatically mean you don't comply with laws and regulations

• Objective and subjective indicators can lead to termination of the collaboration

• PAY. reserves the right to terminate an agreement without stating a reason

Please note: We never discriminate based on personal characteristics, but certain parties may be placed on a blacklist. This can happen before or during the contract, subject to the notice period.

Disagree with a rejection

Do you disagree with a rejection? Send an email to: boarding@pay.nl

• Include your merchant code

• State why you believe the rejection is unjustified

Your application will be reassessed and you'll receive a response by email within 3 business days.

Payout of funds

If your application is rejected or the collaboration is terminated:

• The available funds are usually paid out to your account

• A temporary deposit or freeze may be agreed

• In case of suspected fraud or misuse, PAY. can refund payments to consumers via a Rollback.