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Supplier Terms of Service

Refund Policy

The Supplier’s Refund Policy must comply with the following requirements:

  • The Refund Policy shall stipulate that a request for a Refund Transaction may be processed by Reach for a period of up to thirty (30) days after the date of the applicable Transaction at the Transaction rate, and a request for a Refund Transaction may be processed by Reach during the period between thirty (30) and up to ninety (90) days after the date of the applicable Transaction at the rate in effect at the time of the Refund Transaction.

  • The Refund Policy shall stipulate that after ninety (90) days, and to the extent permitted pursuant to local laws, Refund Transactions shall not be processed by Reach

  • The Supplier may or may not provide the Consumer with the option for delivery DDP or DDU. If the Consumer is provided with the DDU option, then the Supplier (and not Reach is responsible for any costs associated with a Consumer’s refusal of the shipped Products, or resolution of any dispute with the Consumer arising from payment of duty/tax, shipping fees, or related order fulfilment costs.

  • Any fees relating to returned orders or refused orders shall not be the financial obligation of Reach (including any duty/tax, shipping fees, or related order fulfilment costs), if the Supplier has terms and conditions making these fees the responsibility of the Consumer. Reach shall not enforce refund or return policies or terms on behalf of the Supplier.

  • The Supplier shall be solely responsible for, and Reach shall have no responsibility nor liability for the refund of fees and foreign exchange risk resulting from orders cancelled by Consumer due to non-shipment by the Supplier or failure of the Supplier to ship in a timely fashion.

  • If the Supplier unilaterally approves any refunds to the Consumer, or provides a refund in violation of the Refund Policy, then the fees for these refunds shall be paid for by the Supplier (and not Reach).

  • Any refund initiated by the Supplier for any reason via API or via the Reach System shall be subject to refund fees in addition to payment processing fees.

  • If additional refund policy terms are specified to the Consumer in anyinvoicing or shipping confirmation screen, then those terms shall apply subject to the terms set forth above. The Supplier shall be responsible to the Consumer and shall bear all liability in respect of any additional refund policy terms, including any such terms that exceed those provided above by Reach.


Chargeback Policy

Refer to Reach Chargeback and Dispute Guide for the Reach chargeback and dispute policies.


Fraud Data Policy

Transactions that are processed by the Reach Inc. APIs are the responsibility of Reach Inc. and are therefore subject to fraud analysis and review, and possible reversal by Reach fraud personnel. In order to ensure that both the automated and manual fraud analyses performed by Reach are as accurate as possible, Reach requires certain transaction data be submitted to the APIs. This document details that data, along with any issues the merchant should be aware of when collecting and submitting this data.

Data Requirements

The following are the requirements for the data submitted to the Reach APIs in order for Reach to take on fraud liability. The technical details of how and where to provide this data is documented elsewhere.

Merchant Data

Before submitting orders to the Reach APIs, the merchant must provide (at a minimum) the following data:

  1. Average order value

  2. Minimum order value

  3. Maximum order value

  4. Average number of items in each order

  5. Minimum number of items in each order

  6. Maximum number of items in each order

  7. Average Order frequency per-customer

Order Data

The following data is required for each order submitted to the Reach APIs. The following types of orders define different sets of data requirements.

  • Consumer Initiated Order - a consumer initiates and completes an order using their computer or mobile device.

  • Agent Initiated Order - a merchant agent (ie telephone customer representative) initiates and completes an order on behalf of a consumer, using a computer or mobile device associated with the merchant.

  • Automatic Recurring Order - a merchant’s system automatically initiates and completes an order using a previously open Reach contract.

Failure to provide the appropriate data for an order could lead to real-time rejection of the order, subsequent rejection of an order by fraud review, and/or disqualification of fraud liability by Reach

Consumer Initiated Order

The following are the data requirements for a consumer initiated order.

  1. Device Fingerprinting - used to identify consumer device characteristics. Mechanism for providing this data is defined elsewhere by Reach

  2. Consumer IP Address - this is the IP address of the consumer’s device as best determined by standard network practices. This should still be provided even if the consumer is accessing the merchant’s system via a proxy.

  3. Billing Address
    Name
    Company - required only if the billing address is originating from a consumer related to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the billing address has regions.
    Postal Code - required only if the country associated with the billing address has postal codes
    Country
    Phone Number
    Email Address

  4. Shipping Address - required only if a physical product is being shipped from the merchant.
    Name
    Company - required only if the order is being shipped to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the shipping address has regions.
    Postal Code - required only if the country associated with the shipping address has postal codes
    Country
    Phone Number
    Email Address (if available)

Agent Initiated Order

The following are the data requirements for an agent initiated order.

  1. Agent flag - flag indicating that the order has been initiated by an agent of the merchant.

  2. Billing Address
    Name
    Company - required only if the billing address is originating from a consumer related to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the billing address has regions.
    Postal Code - required only if the country associated with the billing address has postal codes
    Country
    Phone Number
    Email Address

  3. Shipping Address - required only if a physical product is being shipped from the merchant.
    Name
    Company - required only if the order is being shipped to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the shipping address has regions.
    Postal Code - required only if the country associated with the shipping address has postal codes
    Country
    Phone Number
    Email Address (if available)

Automatic Recurring Order

The following are the data requirements for an automatic recurring order.

  1. ContractId - id of a previously initiated contract (recurring payment arrangement)

  2. Billing Address
    Name
    Company - required only if the billing address is originating from a consumer related to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the billing address has regions.
    Postal Code - required only if the country associated with the billing address has postal codes
    Country
    Phone Number
    Email Address

  3. Shipping Address - required only if a physical product is being shipped from the merchant.
    Name
    Company - required only if the order is being shipped to a company.
    Street Address
    City
    Region (State/Province) - required only if the country associated with the shipping address has regions.
    Postal Code - required only if the country associated with the shipping address has postal codes
    Country
    Phone Number


Prohibited Businesses List

The following categories of businesses and business practices are prohibited from using the Reach payments platform (“Prohibited Businesses”). Most, although not all, of these Prohibited Business categories are imposed by Card Network rules or the requirements of our banking providers or processors. If you are uncertain as to whether your business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us.

By registering for Reach, you are confirming that are not carrying on a Prohibited Business.

  • Online or other non-face-to-face tobacco, e-cigarette sales, or related items (such as personal vaporizers or e-juice)

  • Weapons and munitions

  • Virtual currency that can be monetized, re-sold or converted to physical or digital products or services or otherwise exit the virtual world

  • Sexually-oriented or pornographic products or services

  • Marijuana dispensaries and related businesses

  • Door-to-door sales

  • Offering substantial rebates or special incentives to the cardholder subsequent to the original purchase

  • Negative response marketing

  • Engaging in deceptive marketing practices

  • Sharing cardholder information with another merchant for payment of up-sell or cross-sell product or service

  • Evading Card Network’s chargeback monitoring programs

  • Engaging in any form of licensed or unlicensed aggregation or factoring

  • Airlines

  • Age verification

  • Age restricted products or services

  • Bail bonds

  • Bankruptcy lawyers

  • Bidding fee auctions

  • Collection agencies

  • Chain letters

  • Check cashing, wire transfers, or money orders

  • Counterfeit products

  • Currency exchanges or dealers

  • Embassies, foreign consulates, or other foreign governments

  • Firms selling business opportunities, investment opportunities, mortgage consulting or reduction, credit counseling, repair or protection, or real estate purchases with no money down

  • Credit card and identity theft protection

  • Cruise lines

  • Essay mills

  • Flea markets

  • Drug paraphernalia

  • Extended warranties

  • Psychic services

  • “Get rich quick” schemes

  • Gambling (including but not limited to lotteries, Internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase products or services)

  • Sports forecasting or odds making

  • Illegal products or services

  • Mail-order brides

  • Money transmitters or money service businesses

  • Multi-level marketing or pyramid schemes

  • Online or other non-face-to-face pharmacies or pharmacy referral services

  • Prepaid phone cards, phone services or cell phones

  • Pseudo pharmaceuticals

  • Quasi-cash or stored value

  • Securities brokers

  • Shipping or forwarding brokers

  • Substances designed to mimic illegal drugs

  • Telemarketing

  • Telecommunications equipment and telephone sales

  • Timeshares

  • Centralized travel reservation services or travel clubs

  • Personal computer technical support

  • Selling video game or virtual world credits (unless you are the operator of the video game or virtual world)

  • Selling social media activity, such as Twitter followers, Facebook likes, or YouTube views

  • Any product or service that infringes upon the copyright, trademark, or trade secrets of any third party

  • Any product, service or activity that is deceptive, unfair, predatory, or prohibited by one or more Card Networks

  • Funding any of the items included on this Prohibited Businesses list