BizFlowy Premium Fraud Protection Service Terms

By using or accessing BizFlowy’s Payments Premium Fraud Protection Service, or by signing or otherwise accepting any Subscription Documentation referencing these terms, you agree to be bound by the following terms and conditions (the “Premium Fraud Protection Service Terms”).

These Premium Fraud Protection Service Terms incorporate by reference the BizFlowy Terms of Service and the BizFlowy Payments Service Terms as may be updated from time to time, which, among other terms, contain provisions governing the resolution of claims (see “Disclaimers”, “Limitations of Liability”, “Dispute Resolution”, “General”). In the event of any conflict or inconsistency between these Premium Fraud Protection Service Terms and the BizFlowy Terms of Service or BizFlowy Payments Service Terms, these Premium Fraud Protection Service Terms will govern.

Capitalized terms used herein without a definition have the same meanings as defined in the BizFlowy Terms of Service or the BizFlowy Payments Service Terms. For the avoidance of doubt, all references to the “Agreement” will include these Premium Fraud Protection Service Terms.

DEFINITIONS

1.1 Premium Fraud Protection Service
“Premium Fraud Protection Service” means a review of all Orders placed using the Payments Service, where the Payment Service Provider issues an approval or decline recommendation and guarantees the decision pursuant to the Premium Fraud Protection Guarantee (defined below).

1.2 Order
“Order” means all card-not-present credit and debit card Transactions. For clarity, an Order does not include ACH, card-present, or manually entered Transactions for purposes of this Agreement.

1.3 Submitted Order
“Submitted Order” means any Order that is submitted for review under the Premium Fraud Protection Service.

1.4 Premium Fraud Protection Territory
“Premium Fraud Protection Territory” means the United States.

PREMIUM FRAUD PROTECTION SERVICES

If you subscribe to the Premium Fraud Protection Service, BizFlowy’s Payment Service Provider will review all Orders placed through the Payments Service and provide you with an approval or decline recommendation. If you receive an approval notice, and you subsequently fulfill the Order, but the Order is subject to a chargeback due to any of the defined Reason Codes (set out below), BizFlowy will provide the Premium Fraud Protection Guarantee. For the avoidance of doubt, if you subscribe to the Premium Fraud Protection Service, you must submit all Orders placed via the Payments Service for review. Orders not submitted through the Payments Service under an active and valid Premium Fraud Protection Service subscription are not eligible for the Premium Fraud Protection Guarantee. This service is available only to Clients within the Premium Fraud Protection Territory.

PREMIUM FRAUD PROTECTION GUARANTEE

Premium Fraud Protection Guarantee – Generally:
Your sole and exclusive remedy for an Order covered by the Premium Fraud Protection Service will be the payment by BizFlowy of liquidated damages in an amount equal to the Premium Fraud Protection Guarantee. This Guarantee amount:

• Will be the lower of:
  (a) the original Order value; or
  (b) the amount specified in the original chargeback notice submitted for review (to reflect any changes in the Order value after approval);
  
• Will exclude fees charged for the review of the Order;
  
• Will be reduced by any amounts recovered by you for the Order;
  
• Will exclude any fees incurred by you in relation to the chargeback (e.g., fees from your payment processor).
  

CREDITING PROCESS

If applicable, BizFlowy will provide reimbursement for amounts owed under the Premium Fraud Protection Guarantee on a monthly basis, as a credit to your account. For example, chargeback amounts for March would be set off against the payments due from you in the April invoice. Following the termination or expiration of your Subscription Documentation, if the reimbursement amount exceeds any outstanding fees owed, BizFlowy shall provide the reimbursement via wire transfer.

REQUIRED DOCUMENTATION

For an Order to be covered by the Premium Fraud Protection Guarantee, if requested by BizFlowy you must submit the following:

• A copy of the original chargeback notification, which must include:
  
  • A chargeback reason or reason code;
    
  • The original Order date and Order amount;
    
  • For Orders using a credit card, the first six (6) and last four (4) digits of the credit card number;
    
  • For Orders using an alternative payment method (e.g., PayPal), the Customer’s name and email address.
    
• For Orders of tangible goods, provide proof of delivery in one of the following formats:
  
  • A copy of the shipping form from the carrier, including the delivery address, reroute information, date of delivery, and parcel delivery status; or
    
  • A valid tracking number from the shipping company.
    
• Any additional documents reasonably required by BizFlowy or the Payment Service Provider.
  

EXCLUDED ORDERS

The Premium Fraud Protection Guarantee does not apply to Orders that:

• Were not approved (i.e., did not receive an approval notice from the Payment Service Provider).
  
• Are not fraud-related (i.e., the chargeback reason does not correspond to a reason code specified herein).
  
• Have discrepancies between the information in the chargeback notice and the original Order.
  
• Involve tangible goods delivered to a different address than specified in the original Order.
  
• Have a chargeback submitted more than three (3) days after the chargeback notice issuance date or if the chargeback notice date precedes the Order shipping date.
  
• Fall outside the Eligibility Period (defined below).
  
• Are subject to disputes where you did not make the Payment Service Provider your primary point of contact.
  
• Involve Orders for which you successfully reclaim the goods, in which case the Guarantee amount is limited to the order shipping costs.
  
• Fail to comply with timely notice requirements or other terms specified herein.
  
• Are related to a Prohibited Business.
  
• Have already been fulfilled or do not meet the criteria for review as determined by BizFlowy (e.g., Orders older than one week, Orders with data that fails to meet the Payment Service Provider’s standards, Orders involving Prohibited Industries, or Orders that are for services or non-physical products).
  

ORDER INFORMATION MODIFICATION

You acknowledge that any updates to Order details—including changes to the shipping or billing Customer name or address, Customer email, Order amount, or payment details—submitted after the issuance of an approval notice will result in the Order being resubmitted for review. You may be charged an additional fee for such modifications.

REASON CODES

The Payment Service Provider covers chargebacks related to card-not-present “unauthorized credit card use.” The following Reason Codes, as determined by the credit card networks, will automatically apply to the Premium Fraud Protection Service without further amendment:

8.1 Visa

• 10.1: EMV Liability Shift Counterfeit Fraud (Online Only)
  
• 10.4: Other Fraud – Card Absent Environment
  

8.2 MasterCard

• 4837/37: Fraud Transaction – No Cardholder Authorization
  
• 4840/40: Fraudulent Processing of Transactions
  
• 4863/63: Cardholder Does Not Recognize Potential Fraud
  

8.3 American Express

• FR2: Fraudulent Transaction
  
• F29: Fraudulent Transaction – Card-Not-Present
  

8.4 Discover

• UA02: Fraud Card-Not-Present Transaction
  
• AA: Transaction Does Not Recognize
  
• 7030: Unauthorized Purchase