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Canada Marketplace APIs

POST Businessconsultant Lead/Create

data = {
    "businessConsultantId":"mrktest09"
}

endpoint = "marketplace/v1/businessconsultant/leads"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URLmarketplace/v1/businessconsultant/leads"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "businessConsultantId":"mrktest09"
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + 'marketplace/v1/businessconsultant/leads',
  headers: getAuthenticationHeaders(),
  body: {
    "businessConsultantId":"mrktest09"
  },
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
    "\"businessConsultantId\": \"mrktest09\",\n" +
    }\n" +
}";
 StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("'marketplace/v1/businessconsultant/leads", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers
$data = (
    'businessConsultantId' => 'mrktest09'
)
$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "'marketplace/v1/businessconsultant/leads");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

[
    {
        "Identifier": "0065B00000CLXaBQAX",
        "createdDate": "2019-09-27T21:11:38.000Z",
        "emailAddress": "roh@gmail.com",
        "companyName": "Company Name1",
        "status": "Sent to VAPP",
        "ownerFirstName": "John",
        "ownerMiddleInitial": "",
        "ownerLastName": "Smith",
        "ownerStreetAddress": "400 Test Lane",
        "ownerCity": "St. John's",
        "ownerState": "NL",
        "ownerZip": "A1A 1A1",
        "phone": "8721381238",
        "leadType": "",
        "annualVolume": "100000.0",
        "bankId": "a077000000QneCHAAZ",
        "actionType": "Opportunity",
        "recordType": "Opportunity",
        "opportunityId": "0065B00000CLXaBQAX",
        "linkBackId": "",
        "businessConsultantAMAId": "",
        "dealId": "2018818425",
        "uid": "11111111111",
        "orderId": "qz4e2",
        "identifier": "0065B00000CLXaBQAX"
    }
]

This endpoint is used to retrieve Salesforce leads for a particular business consultant.

Request

POST marketplace/v1/businessconsultant/leads

Parameter Required Data Type Short Description
businessConsultantId string Id of businessConsultant for which we want to retrieve leads

Response

An array of lead objects.

Parameter Data Type Description
lead array
Identifier string leadId of the lead generated in Salesforce
createdDate string Date the lead was created
emailAddress string Email related to sales lead
companyName string Company related to sales lead
status string Status of the lead
ownerFirstName string First name of contact related to sales lead
ownerMiddleInitial string Middle initial of contact related to sales lead
ownerLastName string Last name of contact related to sales lead
ownerStreetAdress string Street address of contact related to sales lead
ownerCity string City of contact related to sales lead
ownerState string State of contact related to sales lead
ownerZip string Zip of contact related to sales lead
phone string Phone number of contact related to sales lead
leadType string Source of the sales lead
annualVolume string Annual credit card volume of the potential sales lead
bankId string Salesforce Id of acquiring bank
actionType string Type of Salesforce action
recordType string Type of Salesforce record
opportunityId string OpportunityId of the opportunity generated in Salesforce
linkBackId string
businessConsultantAMAId string
dealId string dealId of the deal generated in Salesforce
uid string Unique Id for this lead
orderId string Marketplace hashed order id related to the lead
identifier string leadId of the lead generated in Salesforce

POST Lead create

data = {
   "company": "Test Company Name",
    "actionType": "None",
    "recordType": "Lead",
    "first_name": "John",
    "last_name": "Smith",
    "email": "testemail@test.com",
    "address1": "405 Test Way",
    "city": "Montreal",
    "state": "NL",
    "zip": "A1A 1A1",
    "annualVolume": 9999,
    "phone": "8457668392",
    "leadType": "Self Sourced",
    "bankId": "a075C000001VL4FQAW",
    "linkBackId": "",
    "dealId": "2018786334",
    "leadStatus": "Open",
    "leadId": "00Q5C000002NTAKUA4",
    "businessConsultantAMAId": "",
    "uid": "11111111111",
    "businessConsultantId": "mrktest09"
}

endpoint = "/marketplace/v1/canada/lead/create"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URLmarketplace/v1/marketplace/v1/canada/lead/create"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
    "company": "Test Company Name",
    "actionType": "None",
    "recordType": "Lead",
    "first_name": "John",
    "last_name": "Smith",
    "email": "testemail@test.com",
    "address1": "405 Test Way",
    "city": "Montreal",
    "state": "NL",
    "zip": "A1A 1A1",
    "annualVolume": 9999,
    "phone": "8457668392",
    "leadType": "Self Sourced",
    "bankId": "a075C000001VL4FQAW",
    "linkBackId": "",
    "dealId": "2018786334",
    "leadStatus": "Open",
    "leadId": "00Q5C000002NTAKUA4",
    "businessConsultantAMAId": "",
    "uid": "11111111111",
    "businessConsultantId": "mrktest09"
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/canada/lead/create',
  headers: getAuthenticationHeaders(),
  body: {
    "company": "Test Company Name",
    "actionType": "None",
    "recordType": "Lead",
    "first_name": "John",
    "last_name": "Smith",
    "email": "testemail@test.com",
    "address1": "405 Test Way",
    "city": "Montreal",
    "state": "NL",
    "zip": "A1A 1A1",
    "annualVolume": 9999,
    "phone": "8457668392",
    "leadType": "Self Sourced",
    "bankId": "a075C000001VL4FQAW",
    "linkBackId": "",
    "dealId": "2018786334",
    "leadStatus": "Open",
    "leadId": "00Q5C000002NTAKUA4",
    "businessConsultantAMAId": "",
    "uid": "11111111111",
    "businessConsultantId": "mrktest09"
  },
   json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" + 

     "\company\": "Test Company Name",\n" +
     "\actionType\": "None",\n" +
     "\recordType\": "Lead",\n" +
     "\first_name\": "John",\n" +
     "\last_name\": "Smith",\n" +
     "\email\": "testemail@test.co",\n" +
     "\address1\": "405 Test Way",\n" +
     "\city\": "Montreal",\n" +
     "\state\": "NL",\n" +
     "\zip\": "A1A 1A1",\n" +
     "\annualVolume\": 9999,\n" +
     "\phone\": "8457668392",\n" +
     "\leadType\": "Self Sourced",\n" +
     "\bankId\": "a075C000001VL4FQAW",\n" +
     "\linkBackId\": "",\n" +
     "\dealId\": "2018786334",\n" +
     "\leadStatus\": "Open",\n" +
     "\leadId\": "00Q5C000002NTAKUA4",\n" +
     "\businessConsultantAMAId\": "",\n" +
     "\uid\": "11111111111",\n" +
     "\businessConsultantId\": "mrktest09",\n" +
   "}\n" +

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/canada/lead/create", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = {
    "company" => "Test Company Name",
    "actionType" => "None",
    "recordType" => "Lead",
    "first_name"=> "John",
    "last_name" => "Smith",
    "email" => "testemail@test.com",
    "address1" => "405 Test Way",
    "city" => "Montreal",
    "state" => "NL",
    "zip" => "A1A 1A1",
    "annualVolume" => 9999,
    "phone" => "8457668392",
    "leadType" => "Self Sourced",
    "bankId" => "a075C000001VL4FQAW",
    "linkBackId" => "",
    "dealId" => "2018786334",
    "leadStatus" => "Open",
    "leadId" => "00Q5C000002NTAKUA4",
    "businessConsultantAMAId" => "",
    "uid" => "11111111111",
    "businessConsultantId" => "mrktest09"
}

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/canada/lead/create");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:


  {
    "leadId": "00Q5C000002NTAKUA4",
    "errMessage": "",
    "dealId": null,
    "errorCode": "",
    "message": ""
  }

This endpoint is used to collect information about the merchant to create a Salesforce lead.

Request

POST /marketplace/v1/canada/lead/create

Parameter Required Data Type Short Description
first_name string Contact/merchant first name.
last_name string Contact/merchant last name.
company string Company name (DBA name).
actionType string Salesforce action type
recordType string Salesforce record type
email string Contact/merchant email address.
phone string Contact/merchant phone number.
bankId string Salesforce Id of acquiring bank
zip string Business zip/postal code.
address1 string Business street address.
address2 string Business unit/suite/floor etc.
city string Business city.
state string Business state.
country string ISO Standard Country Code of the country.
campaign_id string Salesforce Campaign Id information of lead.
leadType string Lead type. Possible Values: "Bank Referral", "Self Sourced", "Merchant Refer A Friend".
referenceType string Reference Type of Lead. This value is always defaulted "Salesforce".
annualVolume number Annual credit card volume of the potential sales lead
leadType string Source of the sales lead
linkBackId string Salesforce linkBackId
dealId string Salesforce dealId of the original lead that is being updated here
leadStatus string Current status of the lead being updated
leadId string leadId of the lead being updated
businessConsultantAMAId string Unique AMA ID of business consultant submitting the lead.
uid string Unique Id for this lead
businessConsultantId string Id of businessConsultant keying the lead

Response

Parameter Data Type Description
leadId string Unique identification number of that is created in Salesforce.
dealId string Deal ID of lead created.
errorCode string In case of an error when creating the lead in Salesforce, this is the error code.
errMessage string In case of an error when creating the lead in Salesforce, this message will describe the error.
message string Additional information regarding lead created.

GET Categories

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v2/companies/{companyId}/categories"

r = requests.get(url + endpoint, headers=headers)
print(r)
# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v2/companies/{companyId}/categories"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v2/companies/{companyId}/categories',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v2/companies/{companyId}/categories");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v2/companies/{companyId}/categories");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this (partial response):

[{
  "id": 100,
  "name": "RETAIL",
  "description": "Retail",
  "rank": 1,
  "imageURL": "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/categories/retail-physical-presence.png"
}, {
  "id": 101,
  "name": "RESTAURANT",
  "description": "Restaurant",
  "rank": 2,
  "imageURL": "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/categories/restaurant-pay-at-the-counter.png"
}, {
  "id": 102,
  "name": "MOTO",
  "description": "Moto (Mail Order Telephone Order)",
  "rank": 3,
  "imageURL": "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/categories/mailorder-telephoneorder.png"
}]

This endpoint retrieves a list of business categories (such as Retail, MOTO and Restaurant) for your Marketplace.

Request

GET /marketplace/v2/companies/{companyId}/categories

Parameter Required Data Type Default Description
no input

Response

This endpoint returns an array of objects, each representing a business category. The following parameters are in each object returned.

Parameter Data Type Description
id integer Numeric value that uniquely identifies a category (canonical identifier).
name string Unique name of the Category used in other API Endpoints as input when referencing this Category.
description string Name of the Category used in the user interface.
rank integer The index of the Category to define the display order in the user interface.
imageURL string Public URL of 1 image associated with the Category.

GET Products

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/products"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/products"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/products',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/products");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/products");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this (partial response):

[{
  "id": 89393,
  "productId": 231,
  "supplierProductName": "Magtek Checkreader",
  "supplierName": "MAMA",
  "productType": "CHKRDR",
  "productName": "Magtek Checkreader",
  "productShortDescription": "This low cost check reader combines high accuracy with dependability. It reads MICR characters on checks, deposit, withdrawal slips and other documents, as well as the optional magnetic stripe reading capability.Execute reliable electronic ",
  "productLongDescription": "This low cost check reader combines high accuracy with dependability. It reads MICR characters on checks, deposit, withdrawal slips and other documents, as well as the optional magnetic stripe reading capability.Execute reliable electronic check transactions with MagTek's Mini MICR Mini MICR reads real-world checks with the highest accuracy in the industry. Mini MICR's rugged and durable design will provide years of daily use. With over millions check readers installed worldwide, Mini MICR is in service today with major retailers and financial institutions reading billions of checks annually. Mini MICR offers a range of interface options for easy and flexible connectivity to POS terminals, PCs, cash registers, etc. Benefits The MICR data is automatically read from checks in a quick, single-pass. Transaction time and manual entry errors are significantly reduced. Mini MICR can easily format the MICR data to match any application input requirements. Mini MICR's horseshoe design creates the smallest footprint with no additional counter space required to allow for check movement. Applications At the POS, Mini MICR's reliability and functionality are ideal for check verification and check conversion applications. At the Teller Window, Mini MICR's speed and accuracy can significantly reduce transaction time when processing deposits with multiple checks. Ease of Use The easy drop-and-push movement to feed the check facilitates operator training. No complicated alignments required to feed the check.",
  "showoncart": true,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/231/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/231/image_1.jpg"
  ],
  "categoryIds": [],
  "tags": []
}, {
  "id": 96376,
  "productId": 74042,
  "supplierProductName": "Clover Mini 3G/WiFi",
  "supplierName": "MAMA",
  "productType": "Terminal",
  "productName": "Clover Mini 3G/WiFi",
  "productShortDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space. ",
  "productLongDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space.  ",
  "showoncart": true,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_5.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_5.jpg"
  ],
  "categoryIds": [
    100,
    101,
    102,
    107
  ],
  "tags": [
    "HOME"
  ]
}]

This endpoint retrieves a list of products for your Marketplace.

Request

GET /marketplace/v1/products

Parameter Required Data Type Default Description
no input

Response

This endpoint returns an array of objects, each representing a product. The following parameters are in each object returned.

Parameter Data Type Description
id long Unique identifier for rows (First Data’s internal record).
productId long Numeric value that uniquely identifies a product (canonical identifier).
supplierProductName string Name of the product as given by the source (supplier). Use productName in user interface.
supplierName string Name of the supplier.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
productName string Name of product to be used in the user interface.
productShortDescription string A short description of the product which can be used to display brief information in the Product List interface.
productLongDescription string A longer, more detailed description of the product, which should be used in the interface showing detailed information about the product.
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart after being selected.
productWithOptions boolean This indicates if this product has “options” (child products) that the user can select/add to cart individually.
pinPad boolean Indicates if a debit PIN pad is included with the product. true: PIN pad is included. false: PIN pad is not included.
imageUrls array Array of public URLs (string type) of up to 5 pairs of images associated with the product. Images in /large/ directory are full size versions of smaller thumbnails with the same name in /thumb/ directory.
categoryIds array Array of Categories (represented by the id attribute - integer type - of the Category) that the product belongs to.
tags array A list of tags that can be used to search for or filter products.

Possible values for productType

Value Meaning Behavior/Requirements
"ACCES" Hardware or equipment accessory
"APP_FEE" Application fee
"CABLES" Cables for hardware
"CHKRDR" Check reader equipment A "CHKRDR" type product is required if a check acceptance product is selected.
"GAS" Hardware/Equipment for petroleum products
"IMP" Imprinter equipment
"INET_HOST" Hosted Gateway
"INET_MISC" Misc. Gateway
"MO_FEE" Fee that is charged on a monthly basis
"NET_FEE" Fee that is charged on every card transaction or occurrence
"OTHER" Other
"PINPAD" Pin pad for terminals and registers A "PINPAD" type product is required if “Debit” processing product option is selected.
"PP_CABLES" Cables for PINPAD products
"PRNTR" Printer
"Power_Sup" Power supply for hardware and equipment
"REG" Register
"SATBUNDLE" Products that use some sort of network - Datawire etc.
"SETUP_FEE" Fees for setting up a merchant for acquiring
"SOFT" Software
"STAND" Stand and mounting products for hardware and equipment
"TERM" Terminal Minimum 1 "TERM" type product is required to onboard new merchants.

GET Product/Details

# Don't forget to add your HMAC Authorization Headers
endpoint = "/v1/companies/9523/products/333-2000000141/details/"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/v1/companies/9523/products/333-2000000141/details/"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/v1/companies/9523/products/333-2000000141/details/',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/v1/companies/9523/products/333-2000000141/details/");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONObject json = new JSONObject(response_string);
  System.out.println("json:" + json.toString());
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/v1/companies/9523/products/333-2000000141/details/");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "id": 96376,
  "productId": 74042,
  "supplierProductName": "Clover Mini 3G/WiFi",
  "supplierName": "MAMA",
  "productType": "Terminal",
  "productName": "Clover Mini 3G/WiFi",
  "productShortDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space.",
  "productLongDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space.",
  "showoncart": true,
  "price": 649,
  "productWithOptions": false,
  "pinPad": true,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/74042/image_5.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/74042/image_5.jpg"
  ],
  "categoryIds": [ ],
  "pricingModel": [
    {
      "id": 6881,
      "fkProdId": 74042,
      "fkCompanyId": 386,
      "purchaseType": "IP3",
      "defaultAmt": 219,
      "status": "A",
      "occurrence": "Recurring",
      "purchaseTypeLabel": "3 Month Installment"
    },
    {
      "id": 6879,
      "fkProdId": 74042,
      "fkCompanyId": 386,
      "purchaseType": "LT36",
      "defaultAmt": 30.93,
      "status": "A",
      "occurrence": "Recurring",
      "purchaseTypeLabel": "36 Month Lease"
    },
    {
      "id": 6878,
      "fkProdId": 74042,
      "fkCompanyId": 386,
      "purchaseType": "P",
      "defaultAmt": 649,
      "status": "A",
      "occurrence": "Onetime_Product",
      "purchaseTypeLabel": "Purchased"
    }
  ]
}

This endpoint retrieves the product details for any given product.

Request

GET /v1/companies/{companyId}/products/{productId}/details/

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

This endpoint returns an object containing information such as descriptions, price and other detailed attributes of the product. The following parameters are in each object returned.

Parameter Data Type Description
id long Unique identifier for rows (First Data’s internal record).
productId long Numeric value that uniquely identifies a product (canonical identifier).
supplierProductName string Name of the product as given by the source (supplier). Use productName in user interface.
supplierName string Supplier name.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
productName string Name of product to be used in the user interface.
productShortDescription string A short description of the product which can be used to display brief information in the Product List interface.
productLongDescription string A longer, more detailed description of the product, which should be used in the interface showing detailed information about the product.
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart after being selected.
price float Product price in USD.
productWithOptions boolean This indicates if this product has “options” (child products) that the user can select/add to cart individually.
pinPad boolean Indicates if a debit PIN pad is included with the product. true: PIN pad is included. false: PIN pad is not included.
categoryIds array Array of Categories (represented by the id attribute - integer type - of the Category) that the product belongs to.
imageUrls array Array of public URLs (string type) of up to 5 pairs of images associated with the product. Images in /large/ directory are full size versions of smaller thumbnails with the same name in /thumb/ directory.
pricingModel array Array of pricing type objects contains the different kinds of purchasing options available for the product. Each object in the array represents a “pricing type product.”
id long Unique Identifier for every pricing product.
fkProdId long Same as productId. Numeric value that uniquely identifies a product that the pricing type product belongs to.
purchaseType string Abbreviated code for purchase types. See list of possible values here.
defaultAmt float Amount to be paid when selecting the particular purchase type in USD.
occurrence string Information about the occurrence of the charge. Possible values: "OneTime_Products" - the amount is paid once. "Recurring" - the amount is paid periodically.
purchaseTypeLabel string The description (“name”) of the purchase type to display in the user interface. Possible values: "Purchased", "Rental", "Lease", "Installment"

Possible values for purchaseType

The purchaseType together with occurrence in the pricingModel array defines the frequency/means of defaultAmt is charged for a product.

Value associated purchaseTypeLabel Meaning
"IP3" “3 Month Installment” Pay the defaultAmt in installments every month for a period of 3 months.
"IP6" “6 Month Installment” Pay the defaultAmt in installments every month for a period of 6 months.
"IP9" “9 Month Installment” Pay the defaultAmt in installments every month for a period of 9 months.
"IP12" “12 Month Installment” Pay the defaultAmt in installments every month for a period of 12 months.
"LR" “Lease Rental” Pay the defaultAmt every month to lease the product.
"LT12" “12 Month Lease” Pay the defaultAmt every month for a period of 12 months (lease term) to lease the product.
"LT24" “24 Month Lease” Pay the defaultAmt every month for a period of 24 months (lease term) to lease the product.
"LT27" “27 Month Lease” Pay the defaultAmt every month for a period of 27 months (lease term) to lease the product.
"LT36" “36 Month Lease” Pay the defaultAmt every month for a period of 36 months (lease term) to lease the product.
"LT48" “48 Month Lease” Pay the defaultAmt every month for a period of 47 months (lease term) to lease the product.
"LT60" “60 Month Lease” Pay the defaultAmt every month for a period of 60 months (lease term) to lease the product.
"O" “Owned” Currently owned (compatible) equipment to be added to the account during on-boarding.
"P" “Purchased” Pay the defaultAmt to purchase the product.
"R" “Rent”
"RP" “Re-program” The currently owned (compatible) equipment is to be re-programmed to work with First Data and the defaultAmt is charged.
"S" “Swap”
"SR" “Short Term Rental” The defaultAmt is charged periodically for the time of rental.

GET Product/Features

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/products/74042/features"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/products/74042/features"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/products/74042/features',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/products/74042/features");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/products/74042/features");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

  {
    "success": true,
    "features": [
      {
        "id": 12614,
        "feature": "Long lasting battery can run for a day of average business without a charge",
        "featureId": 143
      },
      {
        "id": 12612,
        "feature": "PCI PTS V4.x",
        "featureId": 169
      },
      {
        "id": 12611,
        "feature": "State-of-the-art capacitive touch for best performance",
        "featureId": 202
      },
    ],
    "groupFeatures": []
  }

This endpoint retrieves a list of features for any given product.

Request

GET /marketplace/v1/products/{productId}/features

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

This endpoint returns an array of strings, each representing a feature.

Parameter Data Type Description
features array List of features.
id integer Unique identifier.
feature string One feature line.
featureId integer Unique identifier for the feature.

GET Product/Includes

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/companies/9523/products/333-2000000141/includes"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers

ENDPOINT="$URL/marketplace/v1/companies/9523/products/333-2000000141/includes"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/companies/9523/products/333-2000000141/includes',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/companies/9523/products/333-2000000141/includes");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/companies/9523/products/333-2000000141/includes");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this (partial response):

[{
  "id": 95667,
  "productId": 65823,
  "supplierProductName": "CLVSGL",
  "supplierName": "MAMA",
  "productType": "ACCES",
  "productName": " Clover Register Software",
  "productShortDescription": "The center of your Clover activities including taking orders and payments. Simple to use and ready to meet the demands of business.",
  "productLongDescription": "The center of your Clover activities including taking orders and payments. Simple to use and ready to meet the demands of business.",
  "showoncart": true,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/65823/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/65823/image_1.jpg"
  ]
}, {
  "id": 96368,
  "productId": 73942,
  "supplierProductName": "AA105K",
  "supplierName": "MAMA",
  "productType": "ITERM",
  "productName": "Clover Mini 3G/WiFi",
  "productShortDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space.",
  "productLongDescription": "A Clover Mini for when WiFi is not always available. One of the most advanced payment terminals on the market. As powerful as it is sleek with a small footprint that won’t hog your counter space.",
  "showoncart": true,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/73942/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/73942/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/73942/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/73942/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/73942/image_5.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/73942/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/73942/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/73942/image_3.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/73942/image_4.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/73942/image_5.jpg"
  ]
}]

This endpoint retrieves a list of “included products” that come with any given product. This may include things such as built-in hardware and accessories and/or software that comes with it.

HTTP Request

GET /marketplace/v1/companies/{companyId}/products/{productId}/includes

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an array of objects, each representing an included product. The following parameters are in each object returned.

Parameter Data Type Description
createdBy string Unique identifier for who created the product.
defaultPurchaseType string Default purchase types.
endDate string The date until when the product is valid upto.
id long Unique identifier for rows (First Data’s internal record).
productId long Numeric value that uniquely identifies a product (canonical identifier).
supplierProductName string Name of the product as given by the source (supplier). Use productName in user interface.
supplierName string Supplier name.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
productName string Name of product to be used in the user interface.
productShortDescription string A short description of the product which can be used to display brief information in the Product List interface.
productLongDescription string A longer, more detailed description of the product, which should be used in the interface showing detailed information about the product.
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart after being selected.
price float Product price in USD.
productWithOptions boolean This indicates if this product has “options” (child products) that the user can select/add to cart individually.
pinPad boolean Indicates if a debit PIN pad is included with the product. true: PIN pad is included. false: PIN pad is not included.
imageUrls array Array of public URLs (string type) of up to 5 pairs images associated with the product. Images in /large/ directory are full size versions of smaller thumbnails with the same name in /thumb/ directory.

GET Product/Specs

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/products/74042/specs"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/products/74042/specs"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/products/74042/specs',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});

// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/products/74042/specs");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONObject json = new JSONObject(response_string);
  System.out.println("json:" + json.toString());
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/products/74042/specs");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "Memory": [
    "1GB LPDDR3 + 8GB EMMC"
  ],
  "Display Size": [
    "5 inch, 720x1280 color TFT LCD"
  ],
  "Processor": [
    "1.6GHz - Quad Core A7"
  ],
  "Touch": [
    "Capacitive touch"
  ],
  "Wireless capability": [
    "GPRS / 3G HSPA+ / Wi-Fi 802.11 A/B/G/N / Bluetooth 4.2 (not available at launch)"
  ],
  "PCI certification": [
    "PCI PTS V4.x"
  ],
  "Battery size": [
    "Li-Ion 16.5Wh"
  ],
  "Barcode scanner": [
    "Yes"
  ],
  "Built-in printer": [
    "Yes"
  ]
}

This endpoint retrieves a list of technical specifications for any given product. This may include information such as height and weight as well as the materials the product is made of in the case of a hardware type product.

Request

GET /marketplace/v1/products/{productId}/specs

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an object with arrays, each representing a “line” in the specification. Each “line” array may contain multiple lines of specifications as strings.

Parameter Data Type Description
specifications array The specifications are returned as an array of objects. Each specification object contains a keyword and array pairs of product specifications such as “weight” etc.
# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/companies/9523/products/333-2000000141/recommended"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace//v1/companies/9523/products/333-2000000141/recommended"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/companies/9523/products/333-2000000141/recommended',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/companies/9523/products/333-2000000141/recommended");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/companies/9523/products/333-2000000141/recommended");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this (partial response):

[{
  "id": 95870,
  "productId": 67664,
  "supplierProductName": "CLVCDR",
  "supplierName": "MAMA",
  "productType": "ACCES",
  "productName": "Cash Drawer",
  "productShortDescription": "Each Clover Station comes with a matching cash drawer. But with all the money you'll be making, you may need an extra drawer in which to stash your cash.",
  "productLongDescription": "Each Clover Station comes with a matching cash drawer. But with all the money you'll be making, you may need an extra drawer in which to stash your cash.",
  "showoncart": true,
  "price": 50,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/67664/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/67664/image_1.jpg"
  ],
  "sponsor": {
      "sponsorId": 1,
      "sponsorName": "First Data",
      "createdBy": "SCeemarla",
      "billingName": "Arash",
      "billingEmail": "arash@gyft.com",
      "addressLineOne": "6855 Pacific Street",
      "addressLineTwo": null,
      "city": "Omaha",
      "state": "NE",
      "zip": "68154",
      "country": "USA",
      "phone": "(402) 222 3161"
    },
    "offeringTypes": [
      "Accessories"
    ],
    "pricingModel": [
      {
        "id": 20038,
        "fkProdId": "333-2000000145",
        "purchaseType": "P",
        "defaultAmt": 0,
        "purchaseTypeLabel": "Purchased",
        "paymentType": "Purchased",
        "paymentTerm": "",
        "commissionDefined": false
      }
    ],
  }, {
  "id": 96507,
  "productId": 76002,
  "supplierProductName": "AA110B",
  "supplierName": "MAMA",
  "productType": "ACCES",
  "productName": "Clover Merchant Keypad",
  "productShortDescription": "Engage your customers while they pay on Clover Mini, as you control the process from Clover Merchant Keypad. Quickly switch between taking payments, issuing card refunds, and authorizing cards for later payments while presenting customers w",
  "productLongDescription": "Engage your customers while they pay on Clover Mini, as you control the process from Clover Merchant Keypad. Quickly switch between taking payments, issuing card refunds, and authorizing cards for later payments while presenting customers with Clover Mini as a friendly and modern payment display.",
  "showoncart": true,
  "price": 79,
  "productWithOptions": false,
  "pinPad": false,
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/76002/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/large/76002/image_2.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/76002/image_1.jpg",
    "https://s3-us-west-2.amazonaws.com/fdmarketplace/res/img/products/thumb/76002/image_2.jpg"
  ]
}]

This endpoint retrieves all Recommended Products for any given product. For example, a terminal system may have items like a weight scale and kitchen printer as its Recommended Products.

Request

GET /marketplace/v1/companies/{companyId}/products/{productId}/recommended

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an array of objects, each representing a Recommended Product. The following parameters are in each object returned.

Parameter Data Type Description
id long Unique identifier for rows (First Data’s internal record).
productId long Numeric value that uniquely identifies a product (canonical identifier).
supplierProductName string Name of the product as given by the source (supplier). Use productName in user interface.
supplierName string Supplier name.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
productName string Name of product to be used in the user interface.
productShortDescription string A short description of the product which can be used to display brief information in the Product List interface.
productLongDescription string A longer, more detailed description of the product, which should be used in the interface showing detailed information about the product.
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart after being selected.
price float Product price in USD.
productWithOptions boolean Indicates if this product has “options” (child products) that the user can select/add to cart individually.
pinPad boolean Indicates if a debit PIN pad is included with the product. true: PIN pad is included. false: PIN pad is not included.
imageUrls array Array of public URLs (string type) of up to 5 pairs images associated with the product. Images in /large/ directory are full size versions of smaller thumbnails with the same name in /thumb/ directory.
sponsor object Details about the sponsor of the merchant.
offeringTypes array Types of offerings.
pricingModel array The pricing model details.

GET Product/FAQ

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/products/333-2000000141/faq"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/products/333-2000000141/faq"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/products/333-2000000141/faq',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});

// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/products/333-2000000141/faq");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/products/333-2000000141/faq");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

[{
  "header": "Printer Paper Sizes?",
  "shortAnswer": "The Clover Station Printer takes 3 1/8” X 230’ thermal paper rolls.",
  "url": "https://gyftteam.atlassian.net/wiki/pages/viewpage.action?pageId=57933826",
  "sortId": 1
}, {
  "header": "Which weight scales are supported by Clover?",
  "shortAnswer": "Clover supports the CAS SW-20 Weight Scale. In order to connect the scale to your Clover Station or Clover Mini, you will need a custom cable that comes bundled with the scale when purchased from your Clover provider.",
  "url": "https://gyftteam.atlassian.net/wiki/pages/viewpage.action?pageId=55378004",
  "sortId": 2
}, {
  "header": "Does Clover support layaway?",
  "shortAnswer": "Clover does not currently support layaway directly on Register app register-app-icon. Third party apps may support layaway in the future.",
  "url": "https://gyftteam.atlassian.net/wiki/pages/viewpage.action?pageId=57212991",
  "sortId": 3
}, {
  "header": "Does Clover integrate with E-commerce?",
  "shortAnswer": "Our third party apps E-commerce solutions for you...",
  "url": "https://gyftteam.atlassian.net/wiki/pages/viewpage.action?pageId=57212992",
  "sortId": 4
}]

This endpoint retrieves a list of frequently asked questions for any given product.

Request

GET /marketplace/v1/products/{productId}/faq

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an array of objects, each representing a FAQ entry. The following parameters are in each object returned.

Parameter Data Type Description
header string Question.
shortAnswer string Brief answer to the question that can be displayed in the user interface as a “snippet” of the whole answer.
url string Public URL of the detailed knowledge base article, explaining the answer to this question.
sortId integer The index of the FAQ entry to define the display order in the user interface.

GET Product/options

# Don't forget to add your HMAC Authorization Headers
endpoint = "/marketplace/v1/companies/9523/products/333-1000000001/options/"

r = requests.get(url + endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/companies/9523/products/333-1000000001/options/"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/companies/9523/products/333-1000000001/options/',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});

// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/companies/9523/products/333-1000000001/options/");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/companies/9523/products/333-1000000001/options/");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
    "options": [
    {
      "id": 178869,
      "productId": "333-1000000002",
      "supplierProductName": "MasterCard",
      "supplierName": "SOUTH",
      "productType": "ACQUIRING",
      "productName": "MasterCard",
      "productShortDescription": "MasterCard MDR +TRANS",
      "productLongDescription": "MasterCard MDR +TRANS",
      "showoncart": true,
      "cardNotPresent": false,
      "defaultPurchaseType": "P",
      "status": "A",
      "createdBy": "rsaxena",
      "startDate": "2018-02-09T00:00:00Z",
      "endDate": "2020-02-16T00:00:00Z",
      "sponsor": {
        "sponsorId": 1,
        "sponsorName": "First Data",
        "createdBy": "SCeemarla",
        "billingName": "Amit",
        "billingEmail": "shubhodeep.sen@firstdata.com",
        "addressLineOne": "6855 Pacific Street",
        "addressLineTwo": null,
        "city": "Omaha",
        "state": "NE",
        "zip": "68154",
        "country": "USA",
        "phone": "(402) 222 3161"
      },
      "price": 0,
      "productWithOptions": false,
      "productFamilyId": "333-1000000001",
      "pinPad": false,
      "imageUrls": [
        "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/large/333-1000000002/image_1542828387308.jpg",
        "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/thumb/333-1000000002/image_1542828387308.jpg"
      ],
      "offeringTypes": [
        "Acquiring",
        "Transactions",
        "MDRPlusTrans",
        "MASTERCARD"
      ],
      "pricingModel": [],
      "pricingTypeFeeModel": []
    },
    {
      "id": 178870,
      "productId": "333-1000000003",
      "supplierProductName": "Visa",
      "supplierName": "SOUTH",
      "productType": "ACQUIRING",
      "productName": "Visa",
      "productShortDescription": "Visa  MDR + TRANS",
      "productLongDescription": "Visa  MDR + TRANS",
      "showoncart": true,
      "cardNotPresent": false,
      "defaultPurchaseType": "P",
      "status": "A",
      "createdBy": "rsaxena",
      "startDate": "2018-02-09T00:00:00Z",
      "endDate": "2020-02-16T00:00:00Z",
      "sponsor": {
        "sponsorId": 1,
        "sponsorName": "First Data",
        "createdBy": "SCeemarla",
        "billingName": "Amit",
        "billingEmail": "shubhodeep.sen@firstdata.com",
        "addressLineOne": "6855 Pacific Street",
        "addressLineTwo": null,
        "city": "Omaha",
        "state": "NE",
        "zip": "68154",
        "country": "USA",
        "phone": "(402) 222 3161"
      },
      "price": 0,
      "productWithOptions": false,
      "productFamilyId": "333-1000000001",
      "pinPad": false,
      "imageUrls": [
        "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/large/333-1000000003/image_1542828400075.jpg",
        "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/thumb/333-1000000003/image_1542828400075.jpg"
      ],
      "offeringTypes": [
        "Acquiring",
        "Transactions",
        "MDRPlusTrans",
        "VISA"
      ],
      "pricingModel": [],
      "pricingTypeFeeModel": []
    },
  ],
  "id": 178868,
  "productId": "333-1000000001",
  "productType": "ACQUIRING",
  "productName": "MDR + Trans",
  "productShortDescription": "MDR + Trans",
  "productLongDescription": "MDR + Trans",
  "defaultPurchaseType": "P",
  "price": 0,
  "productWithOptions": false,
  "productFamilyId": "333-1000000001",
  "imageUrls": [
    "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/large/333-1000000001/image_1557758544604.jpg",
    "https://s3-us-west-2.amazonaws.com/cdn-fd/resources/images/product/dev/thumb/333-1000000001/image_1557758544604.jpg"
  ]
}

This endpoint retrieves a list of frequently asked questions for any given product.

Request

GET /marketplace/v1/products/{productId}/faq

In the URL, use the productId as it was returned in the response of the GET Products API.

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an object, as a response. Fre of the parameters are:

Parameter Data Type Description
productFamilyId string The product family where it belongs to.
productId string Brief answer to the question that can be displayed in the user interface as a “snippet” of the whole answer.
productLongDescription string Public URL of the detailed knowledge base article, explaining the answer to this question.
productName integer The index of the FAQ entry to define the display order in the user interface.
productType string The type of product to be selected.
productWithOptions boolean If the product has any options.

POST Cart/Validate v1

# Don't forget to add your HMAC Authorization Headers
data = {
  "merchant": "",
  "cartdetails": [
    { "productId": 67702 },
    { "productId": 10013 },
    { "productId": 10017 },
    { "productId": 10021 },
    { "productId": 10023 }
  ],
  "transactionInfo": {
    "mccTypes": "",
    "mcc": "null",
    "annualVolume": "null",
    "averageTicket": "null",
    "amexVolume": "null",
    "amexMemberId": "null",
    "highestTicket": "null",
    "category": "null"
  }
}
endpoint = "/marketplace/v1/cart/validate"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/cart/validate"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "merchant":"",
  "cartdetails":[
    {"productId":67702},
    {"productId":10013},
    {"productId":10017},
    {"productId":10021},
    {"productId":10023}
  ],
  "transactionInfo":{
    "mccTypes":"",
    "mcc":null,
    "annualVolume":null,
    "averageTicket":null,
    "amexVolume":null,
    "highestTicket":null,
    "category":null
  }
}' $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/cart/validate',
  headers: getAuthenticationHeaders(),
  body: {
    merchant: "",
    cartdetails: [
      { productId: 67702 },
      { productId: 10013 },
      { productId: 10017 },
      { productId: 10021 },
      { productId: 10023 }
    ],
    transactionInfo: {
      mccTypes: "",
      mcc: null,
      annualVolume: null,
      averageTicket: null,
      amexVolume: null,
      amexMemberId: null,
      highestTicket: null,
      category: null
    }
  },
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
            "  \"merchant\": \"\",\n" +
            "  \"cartdetails\": [{\n" +
            "    \"productId\": 67702\n" +
            "  }, {\n" +
            "    \"productId\": 10013\n" +
            "  }, {\n" +
            "    \"productId\": 10017\n" +
            "  }, {\n" +
            "    \"productId\": 10021\n" +
            "  }, {\n" +
            "    \"productId\": 10023\n" +
            "  }],\n" +
            "  \"transactionInfo\": {\n" +
            "    \"mccTypes\": \"\",\n" +
            "    \"mcc\": null,\n" +
            "    \"annualVolume\": null,\n" +
            "    \"averageTicket\": null,\n" +
            "    \"amexVolume\": null,\n" +
            "    \"amexMemberId\": null,\n" +
            "    \"highestTicket\": null,\n" +
            "    \"category\": null\n" +
            "  }\n" +
            "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/cart/validate", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONObject json = new JSONObject(response_string);
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
    'merchant' => '',
    'cartdetails' =>
        array (
            0 =>
                array (
                    'productId' => 74862,
                ),
            1 =>
                array (
                    'productId' => 10014,
                ),
            2 =>
                array (
                    'productId' => 10018,
                ),
        ),
    'transactionInfo' =>
        array (
            'mccTypes' => 'Restaurant Beverage and Food',
            'mcc' => '5812',
            'annualVolume' => 1000,
            'averageTicket' => 1,
            'amexVolume' => NULL,
            'highestTicket' => 2,
            'category' => 'RESTAURANT',
        ),
);


$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/cart/validate");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

Example payload:cartValidate.json

{
  "merchant": "",
  "cartdetails": [
    { "productId": 67702 },
    { "productId": 10013 },
    { "productId": 10017 },
    { "productId": 10021 },
    { "productId": 10023 }
  ],
  "transactionInfo": {
    "mccTypes": "",
    "mcc": null,
    "annualVolume": null,
    "averageTicket": null,
    "amexVolume": null,
    "amexMemberId": null,
    "highestTicket": null,
    "category": null
  }
}

The above command returns JSON structured like this:

Success response

{
  "iscartvalid":true
}

Error response

{
  "iscartvalid": false,
  "carterrors": [{
    "errormessage": "Payment Processing",
    "errortype": "ACQUIRING"
  }]
}

This endpoint can be used for validation of the items in the Shopping Cart, such as products or product types required to be bought together, etc.

Request

POST /marketplace/v1/cart/validate

The endpoint takes a JSON object as input. Refer to the example request for the JSON structure of the request payload.

Parameter Required Data Type Description
cartdetails array Collection of productId representing each product in the the Shopping Cart.
productId long productId: Numeric value that uniquely identifies each product (canonical identifier), as returned in the GET Products endpoint.
transactionInfo object Transactions information used to determine pricing. Contains mccTypes, mcc, annualVolume, averageTicket, highestTicket and category.
mccTypes string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
annualVolume double Actual or estimated annual credit card transaction volume in USD.
averageTicket double Actual or estimated average ticket price in USD.
highestTicket double Actual or estimated highest ticket price in USD.
category string Category name eg: "RETAIL/MOTO" (refer to: GET Categories).

Response

The endpoint returns an object representing the validation result. The following parameters may be in each object returned.

Parameter Type Description
iscartvalid boolean Validation result: true Cart is valid, false Cart is invalid.
carterrors array If iscartvalid is false, the carterrors is returned as an array of objects where each object represents an error and contains an errortype and errormessage. See list of possible values below.
errortype string String used to filter the cart error products.
errormessage string Error Message you can display in the user interface to notify the user of the error.

Possible values for carterrors

The errortype together with errormessage in the carterrors array provides filtering and guidance on what needs to be modified in the Shopping Cart.

errortype errormessage Suggested Behavior
"ACQUIRING" “Payment Processing” Provide notification to user that a “Payment Processing” product is required.
"PIN PAD" “Pinpad” Provide notification to user that a “PIN Pad” product is required.
"TERM" “POS or Gateway” Provide notification to user that a “POS or Gateway” is required.
"Discover" “Discover is required for PayPal” Provide notification to user that a “Discover is required for PayPal” payment processing option.
"Debit" “Debit cannot be on boarded with selected equipment” Provide notification to user that a “Debit cannot be on boarded with selected equipment”.

POST Cart/Validate v2

# Don't forget to add your HMAC Authorization Headers
data = {
  "cartdetails": [{
      "productId": "67702",
      "category": "RETAIL"
    }, {
      "productId": "10013",
      "category": "RETAIL"
  }],
  "companyId": 9523,
  "noOfLocation": 1
}

endpoint = "/marketplace/v2/cart/validate"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v2/cart/validate"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "cartdetails": [{
      "productId": "67702",
      "category": "RETAIL"
    }, {
      "productId": "10013",
      "category": "RETAIL"
  }],
  "companyId": 9523,
  "noOfLocation": 1
}
' $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'POST',
  url: url + '/marketplace/v2/cart/validate',
  headers: getAuthenticationHeaders(),
  body: {
  "cartdetails": [{
      "productId": "67702",
      "category": "RETAIL"
    }, {
      "productId": "10013",
      "category": "RETAIL"
  }],
  "companyId": 9523,
  "noOfLocation": 1
}
,
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
            "  \"cartdetails\": [{\n" +
            "    \"productId\": 67702,\n" +
            "    \"category\": "RETAIL"\n" +
            "  }, {\n" +
            "    \"productId\": 10013,\n" +
            "    \"category\": "RETAIL"\n" +
            "  }]\n" +
            " \"companyId\": 9523,\n" +
            " \"noOfLocation\": 1\n" +
            "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v2/cart/validate", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONObject json = new JSONObject(response_string);
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
  'cartdetails' =>
  array (
      0 =>
      array (
        'productId' => 74862,
        'category' => 'RETAIL',
      ),
      1 =>
      array (
        'productId' => 10014,
        'category' => 'RETAIL'
    ),
  ),
);


$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v2/cart/validate");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

Example payload:cartValidate.json

{
  "cartdetails": [{
      "productId": "67702",
      "category": "RETAIL"
    }, {
      "productId": "10013",
      "category": "RETAIL"
  }],
  "companyId": 9523,
  "noOfLocation": 1
}

{
  "merchant": "",
  "cartdetails": [{
        "productId": "67702",
        "category": "RETAIL"
      }, {
        "productId": "10013",
        "category": "RETAIL"
    }],
  "transactionInfo": {
    "mccTypes": "",
    "mcc": null,
    "annualVolume": null,
    "averageTicket": null,
    "amexVolume": null,
    "amexMemberId": null,
    "highestTicket": null,
    "category": null
  }
}

The above command returns JSON structured like this:

Success response

{
  "iscartvalid":true
}

Error response

{
  "iscartvalid": false,
  "carterrors": [{
    "errormessage": "Payment Processing",
    "errortype": "ACQUIRING"
  }]
}

This endpoint can be used for validation of the items in the Shopping Cart, such as products or product types required to be bought together, etc.

Request

POST /marketplace/v2/cart/validate

The endpoint takes a JSON object as input. Refer to the example request for the JSON structure of the request payload.

Parameter Required Data Type Description
merchant string Merchant
cartdetails array Collection of productId representing each product in the the Shopping Cart.
productId long productId: Numeric value that uniquely identifies each product (canonical identifier), as returned in the GET Products endpoint.
category string Category name eg: "RETAIL/MOTO" (refer to: GET Categories) the product belongs to.
transactionInfo object Transactions information used to determine pricing. Contains mccTypes, mcc, annualVolume, averageTicket, highestTicket and category.
mccTypes string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
mccAdditionalDetails string
annualVolume double Actual or estimated annual credit card transaction volume in USD.
averageTicket double Actual or estimated average ticket price in USD.
highestTicket double Actual or estimated highest ticket price in USD.
category string Category name eg: "RETAIL/MOTO" (refer to: GET Categories).

Response

The endpoint returns an object representing the validation result. The following parameters may be in each object returned.

Parameter Type Description
iscartvalid boolean Validation result: true Cart is valid, false Cart is invalid.
carterrors array If iscartvalid is false, the carterrors is returned as an array of objects where each object represents an error and contains an errortype and errormessage. See list of possible values below.
errortype string String used to filter the cart error products.
errormessage string Error Message you can display in the user interface to notify the user of the error.
errorOrder string The order in which error should be shown, used in case of multiple errors.
productType string Product type.

Possible values for carterrors

The errortype together with errormessage in the carterrors array provides filtering and guidance on what needs to be modified in the Shopping Cart.

errortype errormessage Suggested Behavior
"ACQUIRING" “Payment Processing” Provide notification to user that a “Payment Processing” product is required.
"PIN PAD" “Pinpad” Provide notification to user that a “PIN Pad” product is required.
"TERM" “POS or Gateway” Provide notification to user that a “POS or Gateway” is required.
"Discover" “Discover is required for PayPal” Provide notification to user that a “Discover is required for PayPal” payment processing option.
"Debit" “Debit cannot be on boarded with selected equipment” Provide notification to user that a “Debit cannot be on boarded with selected equipment”.

GET MCC/Industry

# Don't forget to add your HMAC Authorization Headers
endpoint = url + "/marketplace/v1/categories/RETAIL/industries/Restaurant%20Beverage%20and%20Food/merchantcategorycodes"
r = requests.get(endpoint, headers=headers)
print(r)

# Don't forget to add your HMAC Authorization Headers
ENDPOINT="$URL/marketplace/v1/categories/RETAIL/industries/Restaurant%20Beverage%20and%20Food/merchantcategorycodes"
curl -X GET -H "date: $DATE" -H "Authorization: $HMAC_AUTH" $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = {
  method: 'GET',
  url: url + '/marketplace/v1/categories/RETAIL/industries/Restaurant%20Beverage%20and%20Food/merchantcategorycodes',
  headers: getAuthenticationHeaders()
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
HttpResponse response = null;
try {
  response = doGet("/marketplace/v1/categories/RETAIL/industries/Restaurant%20Beverage%20and%20Food/merchantcategorycodes");
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  System.out.println("json:" + response_string);
} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/categories/RETAIL/industries/Restaurant%20Beverage%20and%20Food/merchantcategorycodes");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this (partial response):

  [{
      "mcc": "0744",
      "mccList": "Champagne Producers"
    },
    {
      "mcc": "5411",
      "mccList": "Grocery Supermarkets"
    },
    {
      "mcc": "5422",
      "mccList": "Freezer and Locker Meat Provisioners"
    },
    {
      "mcc": "5441",
      "mccList": "Candy, Nut and Confectionery Stores"
    },
    {
      "mcc": "5451",
      "mccList": "Dairy Products Stores"
  }]

This endpoint retrieves the MCC - Merchant Category Code(s) - for a given industry.

Request

GET /marketplace/v1/categories/{categoryName}/industries/{industryDescription}/merchantcategorycodes/

In the URL, use the name attribute of the business category and an industryDescription, as returned in the GET Industry.

Parameter Required Data Type Default Description
no input

Response

This endpoint returns an array of objects each containing two strings. Each of these objects represent one MCC code and contain the numerical code (mcc) and the associated description/label (mccList).

Parameter Type Description
b2b boolean business to business
mcc string MCC (Merchant Category Code) is a four-digit number used to classify industry areas. The MCC is assigned by the acquiring financial institution when a merchant initially begins accepting credit cards.
mccList string Label/description for the MCC code, which can be displayed in the user interface to help the user make a selection.

POST Pricing/Acquiring v2

# Don't forget to add your HMAC Authorization Headers
data = {
   "companyId": 9523, 
   "cardNotPresent": 1,
   "transactionInfo": {
    "mccTypes": "Clothing and Shoes",
    "mcc": "5611",
    "annualVolume": 100000,
    "averageTicket": 80,
    "highestTicket": 400,
    "category": "RETAIL"
  },
  "products": [{
    "id": 10013,
    "name": "Visa/MasterCard",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10017,
    "name": "Discover",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10021,
    "name": "American Express",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10023,
    "name": "PayPal",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }]
}

endpoint = "/marketplace/v2/pricing/canada/acquiring"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)


# Don't forget to add your HMAC Authorization Headers

ENDPOINT="$URL/marketplace/v2/pricing/canada/acquiring"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "companyId": 9523,
  "cardNotPresent": 1,
  "transactionInfo": {
    "mccTypes": "Clothing and Shoes",
    "mcc": "5611",
    "annualVolume": 100000,
    "averageTicket": 80,
    "highestTicket": 400,
    "category": "RETAIL"
  },
  "products": [{
    "id": 10013,
    "name": "Visa/MasterCard",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10017,
    "name": "Discover",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10021,
    "name": "American Express",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10023,
    "name": "PayPal",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }]
}' $ENDPOINT
// Don't forget to add your HMAC Authorization Headers
var options = { method: 'POST',
  url: url + '/marketplace/v2/pricing/canada/acquiring',
  headers: getAuthenticationHeaders(),
  body: {
    "companyId": 9523,
    "cardNotPresent": 1,
    "transactionInfo": {
      "mccTypes": "Clothing and Shoes",
      "mcc": "5611",
      "annualVolume": 100000,
      "averageTicket": 80,
      "highestTicket": 400,
      "category": "RETAIL"
    },
    "products": [{
      "id": 10013,
      "name": "Visa/MasterCard",
      "price": 0,
      "type": "Acquiring",
      "qty": 1
    }, {
      "id": 10017,
      "name": "Discover",
      "price": 0,
      "type": "Acquiring",
      "qty": 1
    }, {
      "id": 10021,
      "name": "American Express",
      "price": 0,
      "type": "Acquiring",
      "qty": 1
    }, {
      "id": 10023,
      "name": "PayPal",
      "price": 0,
      "type": "Acquiring",
      "qty": 1
    }]
  },
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
        " \"companyId\": 9523,\n" +
        " \"cardNotPresent\": 1,\n" +
        "  \"transactionInfo\": {\n" +
        "    \"mccTypes\": \"Clothing and Shoes\",\n" +
        "    \"mcc\": \"5611\",\n" +
        "    \"annualVolume\": 100000,\n" +
        "    \"averageTicket\": 80,\n" +
        "    \"highestTicket\": 400,\n" +
        "    \"category\": \"RETAIL\"\n" +
        "  },\n" +
        "  \"products\": [{\n" +
        "    \"id\": 10013,\n" +
        "    \"name\": \"Visa/MasterCard\",\n" +
        "    \"price\": 0,\n" +
        "    \"type\": \"Acquiring\",\n" +
        "    \"qty\": 1\n" +
        "  }, {\n" +
        "    \"id\": 10017,\n" +
        "    \"name\": \"Discover\",\n" +
        "    \"price\": 0,\n" +
        "    \"type\": \"Acquiring\",\n" +
        "    \"qty\": 1\n" +
        "  }, {\n" +
        "    \"id\": 10021,\n" +
        "    \"name\": \"American Express\",\n" +
        "    \"price\": 0,\n" +
        "    \"type\": \"Acquiring\",\n" +
        "    \"qty\": 1\n" +
        "  }, {\n" +
        "    \"id\": 10023,\n" +
        "    \"name\": \"PayPal\",\n" +
        "    \"price\": 0,\n" +
        "    \"type\": \"Acquiring\",\n" +
        "    \"qty\": 1\n" +
        "  }]\n" +
        "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v2/pricing/canada/acquiring", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
  'transactionInfo' =>
  array (
    'mccTypes' => 'Clothing and Shoes',
    'mcc' => '5611',
    'annualVolume' => 100000,
    'averageTicket' => 80,
    'highestTicket' => 400,
    'category' => 'RETAIL',
  ),
  'products' =>
  array (
    0 =>
    array (
      'id' => 10013,
      'name' => 'Visa/MasterCard',
      'price' => 0,
      'type' => 'Acquiring',
      'qty' => 1,
    ),
    1 =>
    array (
      'id' => 10017,
      'name' => 'Discover',
      'price' => 0,
      'type' => 'Acquiring',
      'qty' => 1,
    ),
    2 =>
    array (
      'id' => 10021,
      'name' => 'American Express',
      'price' => 0,
      'type' => 'Acquiring',
      'qty' => 1,
    ),
    3 =>
    array (
      'id' => 10023,
      'name' => 'PayPal',
      'price' => 0,
      'type' => 'Acquiring',
      'qty' => 1,
    ),
  ),
);

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v2/pricing/canada/acquiring");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

Example payload: acquiring.json

{
  "companyId": 9523,
  "cardNotPresent": 1,
  "transactionInfo": {
    "mccTypes": "Clothing and Shoes",
    "mcc": "5611",
    "annualVolume": 100000,
    "averageTicket": 80,
    "highestTicket": 400,
    "category": "RETAIL"
  },
  "products": [{
    "id": 10013,
    "name": "Visa/MasterCard",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10017,
    "name": "Discover",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10021,
    "name": "American Express",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }, {
    "id": 10023,
    "name": "PayPal",
    "price": 0,
    "type": "Acquiring",
    "qty": 1
  }]
}

The above command returns JSON structured like this:

[{
    "pricingDetailId": 7,
    "pricingTypeId": 10000,
    "productId": 45608,
    "description": "ACH_REJECT_FEE",
    "feeMin": 0,
    "feeDefault": 0,
    "feeMax": 0,
    "defaultAmt": 25,
    "minAmt": 5,
    "maxAmt": 25,
    "quantity": 1,
    "rateMin": 0,
    "rateDefault": 0,
    "rateMax": 0,
    "productName": "ACH Reject Fee",
    "productType": "OCCUR_FEE",
    "isOverride": false,
    "override": false,
    "showoncart": false,
    "occurrence": {
      "type": "Onetime_Fee"
    }
  }, {
    "pricingDetailId": 24,
    "pricingTypeId": 10000,
    "productId": 46164,
    "description": "202_MINIMUM_PROCESSING_FEE",
    "feeMin": 0,
    "feeDefault": 0,
    "feeMax": 0,
    "defaultAmt": 25,
    "minAmt": 0,
    "maxAmt": 25,
    "quantity": 1,
    "rateMin": 0,
    "rateDefault": 0,
    "rateMax": 0,
    "productName": "Minimum Processing Fee",
    "productType": "OCCUR_FEE",
    "isOverride": false,
    "override": false,
    "showoncart": false,
    "occurrence": {
      "type": "Onetime_Fee"
    }
}]

The POST Pricing/Acquiring API can be used to retrieve “pricing” for the credit card processing transaction fees and rates as well as any associated flat charges - each considered a “Pricing Product.”

Request

POST /marketplace/v2/pricing/canada/acquiring

Parameter Required Data Type Description
companyId long Company id.
cardNotPresent integer
products array List of products the user has selected, each object (representing a product) contains id, name, price, type, term and qty.
qty integer Quantity selected.
transactionInfo object Transactions information used to determine pricing. Contains mccTypes, mcc, annualVolume, averageTicket, highestTicket and category.
mccTypes string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
annualVolume double Actual or estimated annual credit card transaction volume in USD.
averageTicket double Actual or estimated average ticket price in USD.
highestTicket double Actual or estimated highest ticket price in USD.

Response

This API returns an array of objects, each representing a “Pricing Product.” Each object contains the following keyword-value pairs.

Return Parameters in italic are used in our ISO program. They should be hidden from the user.

Parameter Data Type Description
discountRates array The discount rates.
productId integer Numeric value that uniquely identifies a product (canonical identifier).
*pricingDetailId integer Numeric value that uniquely identifies a Pricing Strategy.
pricingTypeId integer Numeric value that uniquely identifies a Pricing Type.
productName string The name of the Pricing Product that can be displayed in the user interface.
description string Short description of the product.
productType string Indicates the behavior of the Pricing Product, or when the merchant is charged this fee. See list of possible values here.
quantity integer Quantity of the Pricing Product to be added to the Order. (Generally 1.)
defaultAmt integer Price/amount to be collected (usually as a one-time payment) in USD.
minAmt integer
maxAmt integer
feeDefault integer Fee charged per occurrence in USD.
feeMin integer
feeMax integer
rateDefault integer Percentage of transaction amount charged per occurrence.
rateMin integer
isOverride boolean
override boolean
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart.
occurrence object
type string Occurrence indicates the event the rate/fee/amount is charged: "Transaction": charged for every transaction, "Onetime_Product": charged once. i.e. Application fee, "Recurring": charged on a recurring basis, see productType for more information.

POST Pricing/Global

# Don't forget to add your HMAC Authorization Headers
data = {
  "companyId": 9523,
  "cartDetails": [
    {
      "productId": "333-2000000141",
      "category": "RETAIL",
      "productType": "Terminal"
    },
    {
      "productId": "333-1000000002",
      "category": "RETAIL",
      "productType": "ACQUIRING"
    }
  ]
} # send and empty JSON object as a string for this request

endpoint = url + "/marketplace/v1/pricing/global"
r = requests.post(endpoint, json=data, headers=headers)


ENDPOINT="$URL/marketplace/v1/pricing/global"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "companyId": 9523,
  "cartDetails": [
    {
      "productId": "333-2000000141",
      "category": "RETAIL",
      "productType": "Terminal"
    },
    {
      "productId": "333-1000000002",
      "category": "RETAIL",
      "productType": "ACQUIRING"
    }
  ]
}' $ENDPOINT


// Don't forget to add your HMAC Authorization Headers
var options = { method: 'POST',
  url: url + '/marketplace/v1/pricing/global',
  headers: getAuthenticationHeaders(),
  body: {
    "companyId": 9523,
    "cartDetails": [
      {
        "productId": "333-2000000141",
        "category": "RETAIL",
        "productType": "Terminal"
      },
      {
        "productId": "333-1000000002",
        "category": "RETAIL",
        "productType": "ACQUIRING"
      }
    ]
  }, // send and empty JSON object as a string for this request
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);

});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
            " \"companyId\": 9523,\n" +
            " \"cartDetails\": [\n" +
            "  \"{\n" +
            " \"productId\": "333-2000000141",\n" +
            " \"category\": "RETAIL",\n" +
            " \"productType\": "Terminal"\n" +
            " \},\n" +
            " {\n" +
            " \"productId\": "333-1000000002",\n" +
            " \"category\": "RETAIL",\n" +
            " \"productType\": "ACQUIRING"\n"
          "}\n"
        "]\n"
            "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/pricing/global", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

$data = array ();

$data_json = json_encode($data);
$headers = array();

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/pricing/global");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

[{
   "pricingDetailId": 9,
    "pricingTypeId": 10000,
    "productId": 45615,
    "description": "AVS_WATS_AUTH_FEE",
    "feeMin": 0,
    "feeDefault": 0,
    "feeMax": 0,
    "defaultAmt": 0.1,
    "minAmt": 0.02,
    "maxAmt": 0.1,
    "quantity": 1,
    "rateMin": 0,
    "rateDefault": 0,
    "rateMax": 0,
    "productName": "Address Verification Wats Authorization Fee",
    "productType": "OCCUR_FEE",
    "isOverride": false,
    "override": false,
    "showoncart": false,
    "occurrence": {
      "type": "Onetime_Fee"
    }
  }, {
    "pricingDetailId": 32,
    "pricingTypeId": 10000,
    "productId": 46657,
    "description": "DISCOVER CHGBCK",
    "feeMin": 0,
    "feeDefault": 0,
    "feeMax": 0,
    "defaultAmt": 25,
    "minAmt": 10,
    "maxAmt": 25,
    "quantity": 1,
    "rateMin": 0,
    "rateDefault": 0,
    "rateMax": 0,
    "productName": "Discover Chargeback Fee",
    "productType": "CHGBK_FEE",
    "isOverride": false,
    "override": false,
    "showoncart": false,
    "occurrence": {
      "type": "Onetime_Fee"
    }
}]

The POST Pricing/Equipment API can be used to retrieve “pricing” that applies to every merchant regardless of equipment purchased or qualifying criteria - each object returned is considered a “Pricing Product.”

Request

POST /marketplace/v1/pricing/global

Parameter Required Data Type Default Description
no input

Response

This API returns an array of objects, each representing a “Pricing Product.” Each object contains the following keyword-value pairs.

Return Parameters in italic are used in our ISO program. They should be hidden from the user.

Parameter Data Type Description
productId integer Numeric value that uniquely identifies a product (canonical identifier).
pricingDetailId integer Numeric value that uniquely identifies a Pricing Strategy.
pricingTypeId integer Numeric value that uniquely identifies a Pricing Type.
productName string The name of the Pricing Product that can be displayed in the user interface.
description string Short description of the product.
productType string Indicates the behavior of the Pricing Product, or when the merchant is charged this fee. See list of possible values here.
quantity integer Quantity of the Pricing Product to be added to the Order. (Generally 1).
defaultAmt integer Price/amount to be collected (usually as a one-time payment) in USD.
minAmt integer
maxAmt integer
feeDefault integer Fee charged per occurrence in USD.
feeMin integer
feeMax integer
rateDefault integer Percentage of transaction amount charged per occurrence.
rateMin integer
isOverride boolean
override boolean
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart.
occurrence object
type string Occurrence indicates the event the rate/fee/amount is charged: "Transaction": charged for every transaction, "Onetime_Product": charged once. i.e. Application fee, "Recurring": charged on a recurring basis, see productType for more information.
productAttribute object Contains name, value and domain.
name string Product attribute name.
value string Product attribute value.
domain string Domain like pricing.

POST Merchantorders

data = {
  "leadId": "00Q5C000002MwRZUA0",
  "dealId": "2018786184",
  "company": "John's Business Supplies",
  "numberofLocations": 1,
  "firstName": "John",
  "lastName": "Smith",
  "email": "johnsmith@emai.com",
  "phone": "1234567890",
  "address1": "123 Main Street",
  "address2": "Suite 123",
  "city": "SCHENECTADY",
  "state": "NY",
  "postalCode": "12345",
  "recordType": "Lead",
  "cardNotPresent": 1,
  "pricingDetails": [
    {
      "productId": "67702",
      "quantity": 1,
      "productName": "Clover Station W/ Cash Drawer",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 499.00,
      "minAmt": 999.00,
      "defaultAmt": 1599.00,
      "maxAmt": 1840.00,
      "maxAmountAbsolute": 1840.00,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "IBUNDLE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "purchaseType": "P",
      "occurrence": {
        "type": "Onetime_Product"
      },
      "paymentType": "P",
      "paymentTerm": "",
      "category": "RETAIL"
    },
    {
      "productId": "59462",
      "quantity": 1,
      "productName": "Transarmor Monthly Fee",
      "description": "4TA_TA_MOFEE",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0,
      "maxAmt": 0,
      "maxAmountAbsolute": 0,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "MO_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": true,
      "occurrence": {
        "type": "Recurring"
      },
      "disclosure": "Per Location",
      "productAttribute": {
        "name": "SOLUTION_FEE",
        "value": "Clover Security Plus",
        "domain": "PRICING"
      }
    },
    {
      "productId": "3",
      "quantity": 1,
      "productName": "MasterCard Qualified Credit",
      "description": "MC",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0.29,
      "maxAmt": 10,
      "maxAmountAbsolute": 10,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0.109,
      "rateMax": 2.309,
      "rateMaxAbsolute": 5,
      "productType": "NET_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "occurrence": {
        "type": "Transaction"
      },
      "groupName": "Qualified Credit",
      "cardPresntFlag": 0,
      "cardNotPresent": 0,
      "parentOrder": 1
    }
  ],
  "pricingOptions": {
    "companyId": 386,
    "transactionInfo": {
      "mccTypes": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 200000,
      "creditCardVolume": 150000,
      "averageTicket": 20,
      "highestTicket": 300,
      "category": "RETAIL"
    }
  },
  "shippingAddress": [
    {
      "company_name": "John's Business Supplies",
      "firstName": "John",
      "lastName": "Smith",
      "address1": "123 Main Street",
      "address2": "Suite 123",
      "city": "SCHENECTADY",
      "state": "NY",
      "postalCode": "12345",
      "email": "johnsmith@email.com",
      "email2": "johnsmith@email.com",
      "phone": "1234567890",
      "productstoShip": [
        {
          "productId": "67702",
          "term": "P"
        }
      ]
    }
  ],
  "cartDetails": {
    "data": [
      {
        "productId": "67702",
        "name": "Clover Station W/ Cash Drawer",
        "price": 1599,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "Terminal"
      },
      {
        "productId": 50712,
        "name": "Gnd",
        "price": 19.95,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "SHIPPING"
      },
      {
        "productId": "10013",
        "name": "Visa/MasterCard",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10017",
        "name": "Discover",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10021",
        "name": "American Express",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10023",
        "name": "PayPal",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      }
    ],
    "amount": 1599.00,
    "shipping_amount": 19.95,
    "tax": 111.93,
    "taxPercent": 0.07,
    "total": 1730.88,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  }
}

endpoint = "/marketplace/v1/merchantorders"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URL/marketplace/v1/merchantorders"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "leadId": "00Q5C000002MwRZUA0",
  "dealId": "2018786184",
  "company": "Johns Business Supplies",
  "numberofLocations": 1,
  "firstName": "John",
  "lastName": "Smith",
  "email": "johnsmith@emai.com",
  "phone": "1234567890",
  "address1": "123 Main Street",
  "address2": "Suite 123",
  "city": "SCHENECTADY",
  "state": "NY",
  "postalCode": "12345",
  "recordType": "Lead",
  "cardNotPresent": 1,
  "pricingDetails": [
    {
      "productId": "67702",
      "quantity": 1,
      "productName": "Clover Station W/ Cash Drawer",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 499.00,
      "minAmt": 999.00,
      "defaultAmt": 1599.00,
      "maxAmt": 1840.00,
      "maxAmountAbsolute": 1840.00,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "IBUNDLE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "purchaseType": "P",
      "occurrence": {
        "type": "Onetime_Product"
      },
      "paymentType": "P",
      "paymentTerm": "",
      "category": "RETAIL"
    },
    {
      "productId": "59462",
      "quantity": 1,
      "productName": "Transarmor Monthly Fee",
      "description": "4TA_TA_MOFEE",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0,
      "maxAmt": 0,
      "maxAmountAbsolute": 0,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "MO_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": true,
      "occurrence": {
        "type": "Recurring"
      },
      "disclosure": "Per Location",
      "productAttribute": {
        "name": "SOLUTION_FEE",
        "value": "Clover Security Plus",
        "domain": "PRICING"
      }
    },
    {
      "productId": "3",
      "quantity": 1,
      "productName": "MasterCard Qualified Credit",
      "description": "MC",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0.29,
      "maxAmt": 10,
      "maxAmountAbsolute": 10,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0.109,
      "rateMax": 2.309,
      "rateMaxAbsolute": 5,
      "productType": "NET_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "occurrence": {
        "type": "Transaction"
      },
      "groupName": "Qualified Credit",
      "cardPresntFlag": 0,
      "cardNotPresent": 0,
      "parentOrder": 1
    }
  ],
  "pricingOptions": {
    "companyId": 386,
    "transactionInfo": {
      "mccTypes": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 200000,
      "creditCardVolume": 150000,
      "averageTicket": 20,
      "highestTicket": 300,
      "category": "RETAIL"
    }
  },
  "shippingAddress": [
    {
      "company_name": "Johns Business Supplies",
      "firstName": "John",
      "lastName": "Smith",
      "address1": "123 Main Street",
      "address2": "Suite 123",
      "city": "SCHENECTADY",
      "state": "NY",
      "postalCode": "12345",
      "email": "johnsmith@email.com",
      "email2": "johnsmith@email.com",
      "phone": "1234567890",
      "productstoShip": [
        {
          "productId": "67702",
          "term": "P"
        }
      ]
    }
  ],
  "cartDetails": {
    "data": [
      {
        "productId": "67702",
        "name": "Clover Station W/ Cash Drawer",
        "price": 1599,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "Terminal"
      },
      {
        "productId": 50712,
        "name": "Gnd",
        "price": 19.95,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "SHIPPING"
      },
      {
        "productId": "10013",
        "name": "Visa/MasterCard",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10017",
        "name": "Discover",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10021",
        "name": "American Express",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10023",
        "name": "PayPal",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      }
    ],
    "amount": 1599.00,
    "shipping_amount": 19.95,
    "tax": 111.93,
    "taxPercent": 0.07,
    "total": 1730.88,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  }
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders',
  headers: getAuthenticationHeaders(),
  body: {
  "leadId": "00Q5C000002MwRZUA0",
  "dealId": "2018786184",
  "company": "John's Business Supplies",
  "numberofLocations": 1,
  "firstName": "John",
  "lastName": "Smith",
  "email": "johnsmith@emai.com",
  "phone": "1234567890",
  "address1": "123 Main Street",
  "address2": "Suite 123",
  "city": "SCHENECTADY",
  "state": "NY",
  "postalCode": "12345",
  "recordType": "Lead",
  "cardNotPresent": 1,
  "pricingDetails": [
    {
      "productId": "67702",
      "quantity": 1,
      "productName": "Clover Station W/ Cash Drawer",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 499.00,
      "minAmt": 999.00,
      "defaultAmt": 1599.00,
      "maxAmt": 1840.00,
      "maxAmountAbsolute": 1840.00,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "IBUNDLE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "purchaseType": "P",
      "occurrence": {
        "type": "Onetime_Product"
      },
      "paymentType": "P",
      "paymentTerm": "",
      "category": "RETAIL"
    },
    {
      "productId": "59462",
      "quantity": 1,
      "productName": "Transarmor Monthly Fee",
      "description": "4TA_TA_MOFEE",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0,
      "maxAmt": 0,
      "maxAmountAbsolute": 0,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0,
      "rateMax": 0,
      "rateMaxAbsolute": 0,
      "productType": "MO_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": true,
      "occurrence": {
        "type": "Recurring"
      },
      "disclosure": "Per Location",
      "productAttribute": {
        "name": "SOLUTION_FEE",
        "value": "Clover Security Plus",
        "domain": "PRICING"
      }
    },
    {
      "productId": "3",
      "quantity": 1,
      "productName": "MasterCard Qualified Credit",
      "description": "MC",
      "feeMinAbsolute": 0,
      "feeMin": 0,
      "feeDefault": 0,
      "feeMax": 0,
      "feeMaxAbsolute": 0,
      "minAmountAbsolute": 0,
      "minAmt": 0,
      "defaultAmt": 0.29,
      "maxAmt": 10,
      "maxAmountAbsolute": 10,
      "rateMinAbsolute": 0,
      "rateMin": 0,
      "rateDefault": 0.109,
      "rateMax": 2.309,
      "rateMaxAbsolute": 5,
      "productType": "NET_FEE",
      "isOverride": false,
      "override": false,
      "showoncart": false,
      "occurrence": {
        "type": "Transaction"
      },
      "groupName": "Qualified Credit",
      "cardPresntFlag": 0,
      "cardNotPresent": 0,
      "parentOrder": 1
    }
  ],
  "pricingOptions": {
    "companyId": 386,
    "transactionInfo": {
      "mccTypes": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 200000,
      "creditCardVolume": 150000,
      "averageTicket": 20,
      "highestTicket": 300,
      "category": "RETAIL"
    }
  },
  "shippingAddress": [
    {
      "company_name": "John's Business Supplies",
      "firstName": "John",
      "lastName": "Smith",
      "address1": "123 Main Street",
      "address2": "Suite 123",
      "city": "SCHENECTADY",
      "state": "NY",
      "postalCode": "12345",
      "email": "johnsmith@email.com",
      "email2": "johnsmith@email.com",
      "phone": "1234567890",
      "productstoShip": [
        {
          "productId": "67702",
          "term": "P"
        }
      ]
    }
  ],
  "cartDetails": {
    "data": [
      {
        "productId": "67702",
        "name": "Clover Station W/ Cash Drawer",
        "price": 1599,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "Terminal"
      },
      {
        "productId": 50712,
        "name": "Gnd",
        "price": 19.95,
        "term": "P",
        "qty": 1,
        "category": "RETAIL",
        "productType": "SHIPPING"
      },
      {
        "productId": "10013",
        "name": "Visa/MasterCard",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10017",
        "name": "Discover",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10021",
        "name": "American Express",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      },
      {
        "productId": "10023",
        "name": "PayPal",
        "price": 0,
        "qty": 1,
        "category": "RETAIL",
        "productType": "ACQUIRING"
      }
    ],
    "amount": 1599.00,
    "shipping_amount": 19.95,
    "tax": 111.93,
    "taxPercent": 0.07,
    "total": 1730.88,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  }
},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
"  \"leadId": \"00Q5C000002MwRZUA0\",\n"+
"  \dealId\": \"2018786184\",\n"+
"  \"company\": \"John's Business Supplies\",\n" +
"  \"numberofLocations\": 1,\n" +
"  \"firstName\": \"John\",\n" +
"  \"lastName\": \"Smith\",\n" +
"  \"email\": \"johnsmith@emai.com\",\n" +
"  \"phone\": \"1234567890\",\n" +
"  \"address1\": \"123 Main Street\",\n" +
"  \"address2\": \"Suite 123\",\n" +
"  \"city\": \"SCHENECTADY\",\n" +
"  \"state\": \"NY\",\n" +
"  \"postalCode\": \"12345\",\n" +
"  \"recordType\": \"Lead\",\n" +
"  \"cardNotPresent\": 1,\n" +
"  \"pricingDetails\": ["+
"    {"+
"      \"productId\": \"67702\",\n" +
"      \"quantity\": 1,\n" +
"      \"productName\": \"Clover Station W/ Cash Drawer\",\n" +
"      \"feeMinAbsolute\": 0,\n" +
"      \"feeMin\": 0,\n" +
"      \"feeDefault\": 0,\n" +
"      \"feeMax\": 0,\n" +
"      \"feeMaxAbsolute\": 0,\n" +
"      \"minAmountAbsolute\": 499.00,\n" +
"      \"minAmt\": 999.00,\n" +
"      \"defaultAmt\": 1599.00,\n" +
"      \"maxAmt\": 1840.00,\n" +
"      \"maxAmountAbsolute\": 1840.00,\n" +
"      \"rateMinAbsolute\": 0,\n" +
"      \"rateMin\": 0,\n" +
"      \"rateDefault\": 0,\n" +
"      \"rateMax\": 0,\n" +
"      \"rateMaxAbsolute\": 0,\n" +
"      \"productType\": \"IBUNDLE\",\n" +
"      \"isOverride\": false,\n" +
"      \"override\": false,\n" +
"      \"showoncart\": false,\n" +
"      \"purchaseType\": \"P\",\n" +
"      \"occurrence\": {"+
"        \"type\": \"Onetime_Product\""+
"      },\n" +
"      \"paymentType\": \"P\",\n" +
"      \"paymentTerm\": \"\",\n" +
"      \"category\": \"RETAIL\""+
"    },\n" +
"    {"+
"      \"productId\": \"59462\",\n" +
"      \"quantity\": 1,\n" +
"      \"productName\": \"Transarmor Monthly Fee\",\n" +
"      \"description\": \"4TA_TA_MOFEE\",\n" +
"      \"feeMinAbsolute\": 0,\n" +
"      \"feeMin\": 0,\n" +
"      \"feeDefault\": 0,\n" +
"      \"feeMax\": 0,\n" +
"      \"feeMaxAbsolute\": 0,\n" +
"      \"minAmountAbsolute\": 0,\n" +
"      \"minAmt\": 0,\n" +
"      \"defaultAmt\": 0,\n" +
"      \"maxAmt\": 0,\n" +
"      \"maxAmountAbsolute\": 0,\n" +
"      \"rateMinAbsolute\": 0,\n" +
"      \"rateMin\": 0,\n" +
"      \"rateDefault\": 0,\n" +
"      \"rateMax\": 0,\n" +
"      \"rateMaxAbsolute\": 0,\n" +
"      \"productType\": \"MO_FEE\",\n" +
"      \"isOverride\": false,\n" +
"      \"override\": false,\n" +
"      \"showoncart\": true,\n" +
"      \"occurrence\": {"+
"        \"type\": \"Recurring\""+
"      },\n" +
"      \"disclosure\": \"Per Location\",\n" +
"      \"productAttribute\": {"+
"        \"name\": \"SOLUTION_FEE\",\n" +
"        \"value\": \"Clover Security Plus\",\n" +
"        \"domain\": \"PRICING\""+
"      }"+
"    },\n" +
"    {"+
"      \"productId\": \"3\",\n" +
"      \"quantity\": 1,\n" +
"      \"productName\": \"MasterCard Qualified Credit\",\n" +
"      \"description\": \"MC\",\n" +
"      \"feeMinAbsolute\": 0,\n" +
"      \"feeMin\": 0,\n" +
"      \"feeDefault\": 0,\n" +
"      \"feeMax\": 0,\n" +
"      \"feeMaxAbsolute\": 0,\n" +
"      \"minAmountAbsolute\": 0,\n" +
"      \"minAmt\": 0,\n" +
"      \"defaultAmt\": 0.29,\n" +
"      \"maxAmt\": 10,\n" +
"      \"maxAmountAbsolute\": 10,\n" +
"      \"rateMinAbsolute\": 0,\n" +
"      \"rateMin\": 0,\n" +
"      \"rateDefault\": 0.109,\n" +
"      \"rateMax\": 2.309,\n" +
"      \"rateMaxAbsolute\": 5,\n" +
"      \"productType\": \"NET_FEE\",\n" +
"      \"isOverride\": false,\n" +
"      \"override\": false,\n" +
"      \"showoncart\": false,\n" +
"      \"occurrence\": {"+
"        \"type\": \"Transaction\""+
"      },\n" +
"      \"groupName\": \"Qualified Credit\",\n" +
"      \"cardPresntFlag\": 0,\n" +
"      \"cardNotPresent\": 0,\n" +
"      \"parentOrder\": 1"+
"    }"+
"  ],\n" +
"  \"pricingOptions\": {"+
"    \"companyId\": 386,\n" +
"    \"transactionInfo\": {"+
"      \"mccTypes\": \"Appliances, Electronics, Computers\",\n" +
"      \"mcc\": \"5734\",\n" +
"      \"annualVolume\": 200000,\n" +
"      \"creditCardVolume\": 150000,\n" +
"      \"averageTicket\": 20,\n" +
"      \"highestTicket\": 300,\n" +
"      \"category\": \"RETAIL\""+
"    }"+
"  },\n" +
"  \"shippingAddress\": ["+
"    {"+
"      \"company_name\": \"John's Business Supplies\",\n" +
"      \"firstName\": \"John\",\n" +
"      \"lastName\": \"Smith\",\n" +
"      \"address1\": \"123 Main Street\",\n" +
"      \"address2\": \"Suite 123\",\n" +
"      \"city\": \"SCHENECTADY\",\n" +
"      \"state\": \"NY\",\n" +
"      \"postalCode\": \"12345\",\n" +
"      \"email\": \"johnsmith@email.com\",\n" +
"      \"email2\": \"johnsmith@email.com\",\n" +
"      \"phone\": \"1234567890\",\n" +
"      \"productstoShip\": ["+
"        {"+
"          \"productId\": \"67702\",\n" +
"          \"term\": \"P\""+
"        }"+
"      ]"+
"    }"+
"  ],\n" +
"  \"cartDetails\": {"+
"    \"data\": ["+
"      {"+
"        \"productId\": \"67702\",\n" +
"        \"name\": \"Clover Station W/ Cash Drawer\",\n" +
"        \"price\": 1599,\n" +
"        \"term\": \"P\",\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"Terminal\""+
"      },\n" +
"      {"+
"        \"productId\": 50712,\n" +
"        \"name\": \"Gnd\",\n" +
"        \"price\": 19.95,\n" +
"        \"term\": \"P\",\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"SHIPPING\""+
"      },\n" +
"      {"+
"        \"productId\": \"10013\",\n" +
"        \"name\": \"Visa/MasterCard\",\n" +
"        \"price\": 0,\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"ACQUIRING\""+
"      },\n" +
"      {"+
"        \"productId\": \"10017\",\n" +
"        \"name\": \"Discover\",\n" +
"        \"price\": 0,\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"ACQUIRING\""+
"      },\n" +
"      {"+
"        \"productId\": \"10021\",\n" +
"        \"name\": \"American Express\",\n" +
"        \"price\": 0,\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"ACQUIRING\""+
"      },\n" +
"      {"+
"        \"productId\": \"10023\",\n" +
"        \"name\": \"PayPal\",\n" +
"        \"price\": 0,\n" +
"        \"qty\": 1,\n" +
"        \"category\": \"RETAIL\",\n" +
"        \"productType\": \"ACQUIRING\""+
"      }"+
"    ],\n" +
"    \"amount\": 1599.00,\n" +
"    \"shipping_amount\": 19.95,\n" +
"    \"tax\": 111.93,\n" +
"    \"taxPercent\": 0.07,\n" +
"    \"total\": 1730.88,\n" +
"    \"shipping_option_id\": 1,\n" +
"    \"purchaseEnabled\": true,\n" +
"    \"total_qty\": 1"+
"  }"+
"}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
  'leadId': '00Q5C000002MwRZUA0',
  'dealId': '2018786184',
  'company' => 'John\'s Business Supplies',
  'numberofLocations' => 1,
  'firstName' => 'John',
  'lastName' => 'Smith',
  'email' => 'johnsmith@emai.com',
  'phone' => '1234567890',
  'address1' => '123 Main Street',
  'address2' => 'Suite 123',
  'city' => 'SCHENECTADY',
  'state' => 'NY',
  'postalCode' => '12345',
  'recordType' => 'Lead',
  'cardNotPresent' => 1,
  'pricingDetails' => 
  array (
    0 => 
    array (
      'productId' => '67702',
      'quantity' => 1,
      'productName' => 'Clover Station W/ Cash Drawer',
      'feeMinAbsolute' => 0,
      'feeMin' => 0,
      'feeDefault' => 0,
      'feeMax' => 0,
      'feeMaxAbsolute' => 0,
      'minAmountAbsolute' => 499,
      'minAmt' => 999,
      'defaultAmt' => 1599,
      'maxAmt' => 1840,
      'maxAmountAbsolute' => 1840,
      'rateMinAbsolute' => 0,
      'rateMin' => 0,
      'rateDefault' => 0,
      'rateMax' => 0,
      'rateMaxAbsolute' => 0,
      'productType' => 'IBUNDLE',
      'isOverride' => false,
      'override' => false,
      'showoncart' => false,
      'purchaseType' => 'P',
      'occurrence' => 
      array (
        'type' => 'Onetime_Product',
      ),
      'paymentType' => 'P',
      'paymentTerm' => '',
      'category' => 'RETAIL',
    ),
    1 => 
    array (
      'productId' => '59462',
      'quantity' => 1,
      'productName' => 'Transarmor Monthly Fee',
      'description' => '4TA_TA_MOFEE',
      'feeMinAbsolute' => 0,
      'feeMin' => 0,
      'feeDefault' => 0,
      'feeMax' => 0,
      'feeMaxAbsolute' => 0,
      'minAmountAbsolute' => 0,
      'minAmt' => 0,
      'defaultAmt' => 0,
      'maxAmt' => 0,
      'maxAmountAbsolute' => 0,
      'rateMinAbsolute' => 0,
      'rateMin' => 0,
      'rateDefault' => 0,
      'rateMax' => 0,
      'rateMaxAbsolute' => 0,
      'productType' => 'MO_FEE',
      'isOverride' => false,
      'override' => false,
      'showoncart' => true,
      'occurrence' => 
      array (
        'type' => 'Recurring',
      ),
      'disclosure' => 'Per Location',
      'productAttribute' => 
      array (
        'name' => 'SOLUTION_FEE',
        'value' => 'Clover Security Plus',
        'domain' => 'PRICING',
      ),
    ),
    2 => 
    array (
      'productId' => '3',
      'quantity' => 1,
      'productName' => 'MasterCard Qualified Credit',
      'description' => 'MC',
      'feeMinAbsolute' => 0,
      'feeMin' => 0,
      'feeDefault' => 0,
      'feeMax' => 0,
      'feeMaxAbsolute' => 0,
      'minAmountAbsolute' => 0,
      'minAmt' => 0,
      'defaultAmt' => 0.28999999999999998,
      'maxAmt' => 10,
      'maxAmountAbsolute' => 10,
      'rateMinAbsolute' => 0,
      'rateMin' => 0,
      'rateDefault' => 0.109,
      'rateMax' => 2.3090000000000002,
      'rateMaxAbsolute' => 5,
      'productType' => 'NET_FEE',
      'isOverride' => false,
      'override' => false,
      'showoncart' => false,
      'occurrence' => 
      array (
        'type' => 'Transaction',
      ),
      'groupName' => 'Qualified Credit',
      'cardPresntFlag' => 0,
      'cardNotPresent' => 0,
      'parentOrder' => 1,
    ),
  ),
  'pricingOptions' => 
  array (
    'companyId' => 386,
    'transactionInfo' => 
    array (
      'mccTypes' => 'Appliances, Electronics, Computers',
      'mcc' => '5734',
      'annualVolume' => 200000,
      'creditCardVolume' => 150000,
      'averageTicket' => 20,
      'highestTicket' => 300,
      'category' => 'RETAIL',
    ),
  ),
  'shippingAddress' => 
  array (
    0 => 
    array (
      'company_name' => 'John\'s Business Supplies',
      'firstName' => 'John',
      'lastName' => 'Smith',
      'address1' => '123 Main Street',
      'address2' => 'Suite 123',
      'city' => 'SCHENECTADY',
      'state' => 'NY',
      'postalCode' => '12345',
      'email' => 'johnsmith@email.com',
      'email2' => 'johnsmith@email.com',
      'phone' => '1234567890',
      'productstoShip' => 
      array (
        0 => 
        array (
          'productId' => '67702',
          'term' => 'P',
        ),
      ),
    ),
  ),
  'cartDetails' => 
  array (
    'data' => 
    array (
      0 => 
      array (
        'productId' => '67702',
        'name' => 'Clover Station W/ Cash Drawer',
        'price' => 1599,
        'term' => 'P',
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'Terminal',
      ),
      1 => 
      array (
        'productId' => 50712,
        'name' => 'Gnd',
        'price' => 19.949999999999999,
        'term' => 'P',
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'SHIPPING',
      ),
      2 => 
      array (
        'productId' => '10013',
        'name' => 'Visa/MasterCard',
        'price' => 0,
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'ACQUIRING',
      ),
      3 => 
      array (
        'productId' => '10017',
        'name' => 'Discover',
        'price' => 0,
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'ACQUIRING',
      ),
      4 => 
      array (
        'productId' => '10021',
        'name' => 'American Express',
        'price' => 0,
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'ACQUIRING',
      ),
      5 => 
      array (
        'productId' => '10023',
        'name' => 'PayPal',
        'price' => 0,
        'qty' => 1,
        'category' => 'RETAIL',
        'productType' => 'ACQUIRING',
      ),
    ),
    'amount' => 1599,
    'shipping_amount' => 19.949999999999999,
    'tax' => 111.93000000000001,
    'taxPercent' => 0.070000000000000007,
    'total' => 1730.8800000000001,
    'shipping_option_id' => 1,
    'purchaseEnabled' => true,
    'total_qty' => 1,
  ),
)

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "orderId": "nmwDl"
}

This endpoint retrieves a unique orderId once the shopping cart checkout process is completed. This numeric identifier is then used in the merchant boarding process as input to reference the order.

It is used for purposes of collecting information about shipping the product(s) to the merchant after the merchant boarding process is completed and approved.

Request

POST /marketplace/v1/merchantorders

The endpoint takes a JSON object as input, which contains following information.

Parameter Required Data Type Short Description
dealId string The Deal Id
uid string
userId string
recordType string
company string Company name (DBA name).
numberofLocations integer Number of locations the business has, including e-commerce locations.
firstName string Contact first name.
lastName string Contact last name.
email string Contact email address.
phone string Contact phone number.
address1 string Street address.
city string City.
state string State in abbreviated format. i.e. for California send "CA".
postalCode string ZIP/postal code.
recordType string SalesForce object. Possible Values: "Lead", "Opportunity".
cardNotPresent integer
pricingDetails array Array of object each containing the detailed pricing information of a product (pricingDetailId, pricingTypeId, productId, fees, etc.) in the order.
productId integer Numeric value that uniquely identifies a product (canonical identifier).
productName string The name of the Pricing Product that can be displayed in the user interface.
description string Short description of the product.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
quantity integer Quantity of the Pricing Product to be added to the Order. (Generally 1.)
defaultAmt integer Price/amount to be collected (usually as a one-time payment) in USD.
minAmt integer
maxAmt integer
feeDefault integer Fee charged per occurrence in USD.
feeMin integer
feeMax integer
rateDefault integer Percentage of transaction amount charged per occurrence.
rateMin integer
isOverride boolean
override boolean
showoncart boolean Flag to provide guidance on which products should be visibly displayed in the Shopping Cart.
occurrence object
type string Occurrence indicates the event the rate/fee/amount is charged: "Transaction": charged for every transaction, "Onetime_Product": charged once. i.e. Application fee, "Recurring": charged on a recurring basis, see productType for more information.
productAttribute object Contains name, value and domain.
name string Product attribute name.
value string Product attribute value.
domain string Domain like pricing.
groupName string
parentOrder long
pricingOptions object Object containing the merchant’s expected processing information.
transactionInfo object Transactions information used to determine pricing.
annualVolume double Annual transaction volume in USD.
mccTypes string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
creditCardVolume double Annual credit card transaction volume in USD.
averageTicket double Average ticket price in USD.
highestTicket double Highest ticket price in USD.
category string Category eg: "RETAIL/MOTO" (refer to: GET Categories).
amexVolume double Annual American Express credit card transaction volume in USD.
mccAdditionalDetails string
amexMemberId long American Express member ID.
telecheckVolume double Annual TeleCheck/check transaction volume in USD.
shippingAddress array Array ob objects containing shipping information. Each object contains a shipping address (with additional contact infotmation) and the products from the order to ship to that particular address.
company_name string Company name.
firstName string First name.
lastName string Last name.
address1 string Street address.
address2 string Second line of street address, if applicable. i.e. Unit, Floor, Suite, etc.
city string City.
state string State in abbreviated format. i.e. for California send "CA".
country string ISO Standard Country Code of the country.
postalCode string ZIP/postal code.
phone string Phone number.
email1 string Email address.
email2 string Alternate email address.
productstoShip array Array of objects, each representing a product which will be shipped to the merchant. Each object contains productId and term.
productId long Numeric value that uniquely identifies a product (canonical identifier).
term string purchaseType eg: Purchase, Rent, Lease etc. See list of possible values here.
cartDetails object Object containing the details of the Order Summary. Contains data, amount, shipping_amount, tax taxPercent, total, status, shipping_option_id, purchaseEnabled and total_qty.
data array Array of objects containing products in the cart. Contains productId, name, price, term, qty and productType.
productId string productId as string. Numeric value that uniquely identifies each product (canonical identifier).
name string productName: Product name.
price double Unit price for a product.
term string purchaseType eg: Purchase, Rent, Lease etc. See list of possible values here.
qty integer Quantity selected.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products. See list of possible values here.
category string Category selected for that product eg: "RETAIL/MOTO" (refer to: GET Categories).
cardNotPresent boolean
amount double Sum of prices of products in cart in USD.
shipping_amount double Amount to be charged for shipping and handling in USD.
tax double Amount of tax to be collected (based on taxPercent) in USD.
taxPercent double Tax rate in %. You may use any external service to calculate taxes based on location.
total double Total amount to be charged in USD. Sum of amount, shipping_amount and tax.
shipping_option_id integer Numeric identifier for shipping method. Default to 1. Currently only “Ground Shipping” is available, which corresponds to the value 1.
purchaseEnabled boolean Default to true.
total_qty integer Total quantity of equipment products in the Shopping Cart.

Response

The endpoint returns an object containing one string which represents the orderId.

Parameter Data Type Description
orderId string Order Id. The numeric identifier to be used in the merchant boarding process as input to reference the order.

GET Merchantorders/Businessinformation

data = {}

endpoint = "/marketplace/v1/merchantorders/canada/{orderId}/businessInformation"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URL/marketplace/v1/merchantorders/canada/{orderId}/businessInformation"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/canada/{orderId}/businessInformation',
  headers: getAuthenticationHeaders(),
  body: {},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" 
   "}\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/canada/{orderId}/businessInformation", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/canada/{orderId}/businessInformation");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
    "orderId": "AyoYz",
    "ownerInformation": [
        {
            "employeeId": 515752,
            "lastName": "Smith",
            "firstName": "John",
            "dateofBirth": "1984-08-12",
            "title": "President",
            "percentOwned": 51,
            "Information": {
                "contactType": "OWNER",
                "state": "NL",
                "postalCode": "A1A 1A1",
                "address1": "401 Test Lane",
                "email": "testemail@gmail.com",
                "phone": "7812379812",
                "city": "St. John's",
                "country": "CA"
            }
        }
    ],
    "pciCompromisedEvents": null,
    "businessUrlFlag": null,
    "southMerchantInformation": [
        {
            "sequenceNo": 0,
            "dbaName": "Location DBA1",
            "legalName": "Legal Business1",
            "yearsInBusiness": 978307200000,
            "organizationType": "Public Corporation",
            "stateOfIncorporation": "AB",
            "tinType": 0,
            "contactInformation": [
                {
                    "contactType": "SHIP_TO",
                    "state": "NL",
                    "postalCode": "A1A 1A1",
                    "address1": "400 Test Lane",
                    "email": "testemail@gmail.com",
                    "phone": "8123891289",
                    "city": "St. John's",
                    "country": "CA"
                },
                {
                    "contactType": "CORPORATE",
                    "state": "NL",
                    "postalCode": "A1A 1A1",
                    "address1": "400 Test Lane",
                    "address2": "",
                    "email": "testemail@gmail.com",
                    "phone": "8123891289",
                    "city": "St. John's",
                    "country": "CA"
                },
                {
                    "contactType": "LOCATION",
                    "state": "NL",
                    "postalCode": "A1A 1A1",
                    "address1": "400 Test Lane",
                    "address2": "",
                    "email": "",
                    "city": "St. John's",
                    "country": "CA"
                }
            ],
            "merchantId": 0,
            "emvEnabled": false,
            "debitEnabled": false,
            "amexEnabled": false,
            "discoverEnabled": false,
            "amexAnnualVolume": 0.0,
            "averageTicket": 0.0,
            "pricingGrid": "NN0"
        },
        {
            "sequenceNo": 0,
            "dbaName": "DBA Location2",
            "tinType": 0,
            "contactInformation": [
                {
                    "contactType": "LOCATION",
                    "state": "NL",
                    "postalCode": "A1A 1A1",
                    "address1": "402 Test Lane",
                    "email": "",
                    "city": "St. John's",
                    "country": "CA"
                }
            ],
            "merchantId": 0,
            "emvEnabled": false,
            "debitEnabled": false,
            "amexEnabled": false,
            "discoverEnabled": false,
            "amexAnnualVolume": 0.0,
            "averageTicket": 0.0,
            "pricingGrid": "NN0"
        }
    ]
}

This endpoint is used to retrieve the business information that was previously posted.

Request

GET /marketplace/v1/merchantorders/canada/{orderId}/businessInformation

Parameter Required Data Type Default Description
no input

Response

Parameter Data Type Description
orderId string
ownerInformation array
employeeId string Unique identifier for this owner
firstName string first name
lastName string last name
dateofBirth string Date of birth in YYYY-MM-DD format
title string title
Contact First & Last Name string Primary business contact name
percentOwned int Percentage owned
contactInformation object
contactType string Type of contact
address1 string Adress
address2 string Adress2
address3 string Adress3
city string city
state string state
postalCode string zip
country string country
phone string phone
email string email
pciCompromisedEvents object Data used to describe an event where the merchant was pci Compromised
businessUrlFlag string Did the business provide a website URL?
southMerchantInformation array
sequenceNo int sequenceNo
dbaName string DBA name
legalName string legal business/company Name
yearsInBusiness int Unix epoch time representing when the business started
title string title
stateOfIncorporation string Province of the business
tinType string tin type
merchantId int
emvEnabled boolean Is the merchant emv Enabled?
debitEnabled boolean Is the merchant debit Enabled?
amexEnabled boolean Is the merchant amex Enabled?
discoverEnabled boolean Is the merchant discover Enabled?
amexAnnualVolume decimal Annual Amex Volume
averageTicket decimal Average amount for a transaction
pricingGrid string Pricing grid for this merchant
contactInformation array
contactType string Type of contact
address1 string Adress
address2 string Adress2
city string city
state string state
postalCode string zip
country string country
phone string phone
email string email

POST Merchantorders/Businessinformation

data = {
  "ownerInformation": [
    {
      "sequenceNo": 1,
      "firstName": "John",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1973-10-08",
      "title": "PARTNER",
      "percentOwned": 60,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "12 Peninsula Avenue",
        "address2": "Apt 1",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "johnsmith@emai.com"
      }
    },
    {
      "sequenceNo": 2,
      "firstName": "William",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1976-07-11",
      "title": "PARTNER",
      "percentOwned": 40,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "123 Market Street",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "williamsmith@email.com"
      }
    }
  ],
  "merchantInformation": [
    {
      "sequenceNo": 3,
      "businessType": "RETAIL",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "taxFilingName": "John Business Supplies, Inc.",
      "taxId": "989898989",
      "yearsInBusiness": "2003-06-01",
      "organizationType": "Partnerships",
      "stateOfIncorporation": "ME",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "1748795A0246D3244",
      "tinType": 1,
      "url": "www.jonhnsbusinesssupplies.com",
      "registrationNumber": "12342",
      "principalNationality": "American",
      "contactInformation": [
        {
          "contactType": "CORPORATE",
          "address1": "123 Main Street",
          "address2": "Suite 123",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }, {
          "contactType": "LOCATION",
          "address1": "123 Main Street",
          "address2": "Suite 124",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }
      ]
    }
  ]
}

endpoint = "/marketplace/v1/merchantorders/12345/businessinformation"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URL/marketplace/v1/merchantorders/12345/businessinformation"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "ownerInformation": [
    {
      "sequenceNo": 1,
      "firstName": "John",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1973-10-08",
      "title": "PARTNER",
      "percentOwned": 60,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "12 Peninsula Avenue",
        "address2": "Apt 1",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "johnsmith@emai.com"
      }
    },
    {
      "sequenceNo": 2,
      "firstName": "William",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1976-07-11",
      "title": "PARTNER",
      "percentOwned": 40,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "123 Market Street",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "williamsmith@email.com"
      }
    }
  ],
  "merchantInformation": [
    {
      "sequenceNo": 3,
      "businessType": "RETAIL",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "taxFilingName": "John Business Supplies, Inc.",
      "taxId": "989898989",
      "yearsInBusiness": "2003-06-01",
      "organizationType": "Partnerships",
      "stateOfIncorporation": "ME",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "1748795A0246D3244",
      "tinType": 1,
      "url": "www.jonhnsbusinesssupplies.com",
      "registrationNumber": "12342",
      "principalNationality": "American",
      "contactInformation": [
        {
          "contactType": "CORPORATE",
          "address1": "123 Main Street",
          "address2": "Suite 123",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }, {
          "contactType": "LOCATION",
          "address1": "123 Main Street",
          "address2": "Suite 124",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }
      ]
    }
  ]
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/12345/businessinformation',
  headers: getAuthenticationHeaders(),
  body: {
  "ownerInformation": [
    {
      "sequenceNo": 1,
      "firstName": "John",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1973-10-08",
      "title": "PARTNER",
      "percentOwned": 60,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "12 Peninsula Avenue",
        "address2": "Apt 1",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "johnsmith@emai.com"
      }
    },
    {
      "sequenceNo": 2,
      "firstName": "William",
      "lastName": "Smith",
      "nationalId": "989898989",
      "nationalIdType": "SSN",
      "dateofBirth": "1976-07-11",
      "title": "PARTNER",
      "percentOwned": 40,
      "contactInformation": {
        "contactType": "OWNER",
        "address1": "123 Market Street",
        "city": "SCHENECTADY",
        "state": "NY",
        "postalCode": "12345",
        "country": "US",
        "phone": "1234567890",
        "email": "williamsmith@email.com"
      }
    }
  ],
  "merchantInformation": [
    {
      "sequenceNo": 3,
      "businessType": "RETAIL",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "taxFilingName": "John Business Supplies, Inc.",
      "taxId": "989898989",
      "yearsInBusiness": "2003-06-01",
      "organizationType": "Partnerships",
      "stateOfIncorporation": "ME",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "1748795A0246D3244",
      "tinType": 1,
      "url": "www.jonhnsbusinesssupplies.com",
      "registrationNumber": "12342",
      "principalNationality": "American",
      "contactInformation": [
        {
          "contactType": "CORPORATE",
          "address1": "123 Main Street",
          "address2": "Suite 123",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }, {
          "contactType": "LOCATION",
          "address1": "123 Main Street",
          "address2": "Suite 124",
          "city": "SCHENECTADY",
          "state": "NY",
          "postalCode": "12345",
          "country": "US",
          "email": "johnsmith@email.com",
          "phone": "1234567890"
        }
      ]
    }
  ]
},
 json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
        "  \"ownerInformation\": [\n" +
        "    {\n" +
        "      \"sequenceNo\": 1,\n" +
        "      \"firstName\": \"JON\",\n" +
        "      \"lastName\": \"CONSUMER\",\n" +
        "      \"idType\": \"ssn\",\n" +
        "      \"ssn\": \"989898989\",\n" +
        "      \"registrationNumber\": \"12345\",\n" +
        "      \"dateOfBirth\": \"1973-10-08\",\n" +
        "      \"title\": \"PARTNER\",\n" +
        "      \"percentOwned\": 60,\n" +
        "      \"contactType\": \"OWNER\",\n" +
        "      \"address1\": \"123 PRM OWNER\",\n" +
        "      \"address2\": \"APT 1\",\n" +
        "      \"city\": \"SCHENECTADY\",\n" +
        "      \"state\": \"NY\",\n" +
        "      \"zip\": \"12345\",\n" +
        "      \"country\": \"US\",\n" +
        "      \"phone\": \"1111111111\",\n" +
        "      \"email\": \"email@email.com\",\n" +
        "      \"driverLicenceNo\": \"123456\",\n" +
        "      \"dlStateIssued\": \"AL\",\n" +
        "      \"dlExpirationMonth\": \"01\",\n" +
        "      \"dlExpirationYear\": \"2027\"\n" +
        "    }\n" +
        "  ],\n" +
        "  \"merchantInformation\": [\n" +
        "    {\n" +
        "      \"sequenceNo\": 3,\n" +
        "      \"category\": \"RETAIL\",\n" +
        "      \"legalName\": \"MMIS TEST LEGAL FDMP\",\n" +
        "      \"taxId\": \"989898989\",\n" +
        "      \"yearsInBusiness\": \"2003-06-01\",\n" +
        "      \"organizationType\": \"Partnerships\",\n" +
        "      \"stateOfIncorporation\": \"ME\",\n" +
        "      \"taxFilingName\": \"MMIS TEST TAX FDMP\",\n" +
        "      \"foreignEntityOption\": \"N\",\n" +
        "      \"tinRequestedGuid\": \"1748795A0246D3244\",\n" +
        "     \"tinType\": 1,\n" +
        "     \"url\": \"www.site.com\",\n" +
        "     \"websiteReviewed\": \"No\",\n" +
        "     \"contactInformation\": [\n" +
        "       {\n" +
        "         \"contactType\": \"CORPORATE\",\n" +
        "         \"address1\": \"123 BUS ADDR\",\n" +
        "         \"address2\": \"ST 123\",\n" +
        "         \"city\": \"SCHENECTADY\",\n" +
        "         \"state\": \"NY\",\n" +
        "         \"postalCode\": \"12345\",\n" +
        "          \"country\": \"US\",\n" +
        "         \"phone\": \"3333333333\",\n" +
        "          \"fax\": \"3333333333\",\n" +
        "          \"neighborhood\": \"Test\",\n" +
        "          \"stateInscription\": \"StateIns\",\n" +
        "          \"cityInscription\": \"CityIns\",\n" +
        "          \"stateCode\": \"StateCode\",\n" +
        "          \"countryCode\": \"CountryCode\",\n" +
        "          \"principalNationality\": \"American\",\n" +
        "          \"contactTime\": \"M-F 9-5\",\n" +
        "          \"email\": \"email@email.com\"\n" +
        "        }\n" +
        "      ]\n" +
        "    }\n" +
        "  ]\n" +
        "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/12345/businessinformation", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
  'ownerInformation' => 
  array (
    0 => 
    array (
      'sequenceNo' => 1,
      'firstName' => 'John',
      'lastName' => 'Smith',
      'nationalId' => '989898989',
      'nationalIdType' => 'SSN',
      'dateofBirth' => '1973-10-08',
      'title' => 'PARTNER',
      'percentOwned' => 60,
      'contactInformation' => 
      array (
        'contactType' => 'OWNER',
        'address1' => '12 Peninsula Avenue',
        'address2' => 'Apt 1',
        'city' => 'SCHENECTADY',
        'state' => 'NY',
        'postalCode' => '12345',
        'country' => 'US',
        'phone' => '1234567890',
        'email' => 'johnsmith@emai.com',
      ),
    ),
    1 => 
    array (
      'sequenceNo' => 2,
      'firstName' => 'William',
      'lastName' => 'Smith',
      'nationalId' => '989898989',
      'nationalIdType' => 'SSN',
      'dateofBirth' => '1976-07-11',
      'title' => 'PARTNER',
      'percentOwned' => 40,
      'contactInformation' => 
      array (
        'contactType' => 'OWNER',
        'address1' => '123 Market Street',
        'city' => 'SCHENECTADY',
        'state' => 'NY',
        'postalCode' => '12345',
        'country' => 'US',
        'phone' => '1234567890',
        'email' => 'williamsmith@email.com',
      ),
    ),
  ),
  'merchantInformation' => 
  array (
    0 => 
    array (
      'sequenceNo' => 3,
      'businessType' => 'RETAIL',
      'dbaName' => 'John\'s Business Supplies',
      'legalName' => 'John\'s Business Supplies',
      'taxFilingName' => 'John Business Supplies, Inc.',
      'taxId' => '989898989',
      'yearsInBusiness' => '2003-06-01',
      'organizationType' => 'Partnerships',
      'stateOfIncorporation' => 'ME',
      'foreignEntityOption' => 'N',
      'tinRequestedGuid' => '1748795A0246D3244',
      'tinType' => 1,
      'url' => 'www.jonhnsbusinesssupplies.com',
      'registrationNumber' => '12342',
      'principalNationality' => 'American',
      'contactInformation' => 
      array (
        0 => 
        array (
          'contactType' => 'CORPORATE',
          'address1' => '123 Main Street',
          'address2' => 'Suite 123',
          'city' => 'SCHENECTADY',
          'state' => 'NY',
          'postalCode' => '12345',
          'country' => 'US',
          'email' => 'johnsmith@email.com',
          'phone' => '1234567890',
        ),
        1 => 
        array (
          'contactType' => 'LOCATION',
          'address1' => '123 Main Street',
          'address2' => 'Suite 124',
          'city' => 'SCHENECTADY',
          'state' => 'NY',
          'postalCode' => '12345',
          'country' => 'US',
          'email' => 'johnsmith@email.com',
          'phone' => '1234567890',
        ),
      ),
    ),
  ),
)

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/12345/businessinformation");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "orderId": "nmwDl"
}

This endpoint collects merchant and owner information for merchant boarding purposes.

Request

POST /marketplace/v1/merchantorders/{orderId}/businessinformation

In the request URL, use the orderId as it was returned in the response of the POST Merchantorders API.

The endpoint takes a JSON object as input, which contains following information.

Parameter Required Data Type Short Description
ownerInformation array Array of (minimum one) objects, each containing the information of the owner(s) of the business.
sequenceNo integer Index of the object representing the owner.
firstName string Owner’s first name.
lastName string Owner’s last name.
nationalIdType string Type of ID document used. Possible values: "SSN", "Drivers License", "AN Card", "Other".
nationalId string Identification number on ID document.
dateofBirth string Owner’s date of birth in “YYYY-MM-DD” format.
title string Title of the listed contact. Possible values: "Owner", "Partner", "President", etc.
percentOwned integer Percentage of the company owned by this owner. All owners must equal 100%.
contactInformation array Array of (minimum one) object(s), each of which represents the contact information of the owner. Each can contain contactType, address1, address2, address3, city, state, postalCode, country, phone, and email.
contactType string Type of location. Possible values: "OWNER", "PRINCIPAL", "LANDLORD", "BENEFICIARY".
address1 string Street address.
address2 string Second line of street address, if applicable. i.e. Unit, Floor, Suite, etc.
address3 string Third line of street address.
city string City.
state string State in abbreviated format. i.e. for California send "CA".
country string ISO Standard Country Code of the country.
postalCode string ZIP/postal code.
phone string Phone number.
email string Email address.
merchantInformation array Array of (minimum one) objects, each containing the information about a location of the business.
sequenceNo integer Index.
businessType string Category eg: "RETAIL" (refer to: GET Categories).
dbaName string DBA name.
legalName string Legal business name.
taxFilingName string IRS tax filing name for the business. Can be validated against taxId using the POST TIN/Validate service.
yearsInBusiness string Business started date in “YYYY-MM-DD” format.
organizationType string Organization type represented by an abbreviated code. See possible values here.
stateOfIncorporation string State of incorporation in abbreviated format. i.e. for California send "CA".
taxId string A Taxpayer Identification Number (TIN) is an identification number used by the Internal Revenue Service (IRS). Can be validated against taxFilingName using the POST TIN/Validate service.
foreignEntityOption string Indicates if the business can claim foreign status according to IRS regulations. Possible values: "Y" or "N".
tinType integer Type of Taxpayer Identification Number (TIN).
tinRequestedGuid string Universal ID for the request of the POST TIN/Validate service.
url string URL of business website.
contactInformation array Array of (minimum one) object(s), each of which represents a business location. contactType, address1, address2, address3, city, state, postalCode, country, phone, and email.
contactType string Type of location. Possible values: "LOCATION", "CORPORATE", "SHIPPING", "SHIP_TO", "TRADING", "BILLING", "PRIMARY", "DISPUTE", "TRAIN_BY", "STANDARD".
address1 string Street address.
address2 string Second line of street address, if applicable. i.e. Unit, Floor, Suite, etc.
address3 string Third line of street address.
city string City.
state string State in abbreviated format. i.e. for California send "CA".
country string ISO Standard Country Code of the country.
postalCode string ZIP/postal code.
contactTime string Preference on contact time.
phone string Phone number.
email string Email address.
proofDocuments array proof Document.
idProofType string
idProofNumber string
idProofIssued string

Response

The endpoint returns an object containing one string which represents the orderId.

Parameter Data Type Description
orderId string The unique identifier of an order returned after successful submission. Used in following processes as input data.

GET Merchantorders/Locations

data = {
  {
    "hashedOrderId": null,
    "primaryMerchantId": 847800,
    "merchantIdList": null,
    "orderId": 683897,
    "success": true,
    "southLocationInformationList": [
        {
            "subCategory": "RETAIL",
            "success": false,
            "merchantId": 847800,
            "dbaName": "Test Company1",
            "mccDescription": "Clothing and Shoes",
            "mcc": "5681",
            "annualVolume": 90000.0,
            "category": "RETAIL",
            "isPrimaryLocation": true
        }
    ]
  }
}

endpoint = "/marketplace/v1/merchantorders/nmwDl/locations"

r = requests.get(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URL/marketplace/v1/merchantorders/nmwDl/locations" --data '{
    {
    "hashedOrderId": null,
    "primaryMerchantId": 847800,
    "merchantIdList": null,
    "orderId": 683897,
    "success": true,
    "southLocationInformationList": [
        {
            "subCategory": "RETAIL",
            "success": false,
            "merchantId": 847800,
            "dbaName": "Test Company1",
            "mccDescription": "Clothing and Shoes",
            "mcc": "5681",
            "annualVolume": 90000.0,
            "category": "RETAIL",
            "isPrimaryLocation": true
        }
    ]
  }
}' $ENDPOINT
    data = {
        "hashedOrderId": null,
        "primaryMerchantId": 847800,
        "merchantIdList": null,
        "orderId": 683897,
        "success": true,
        "southLocationInformationList": [
            {
                "subCategory": "RETAIL",
                "success": false,
                "merchantId": 847800,
                "dbaName": "Test Company1",
                "mccDescription": "Clothing and Shoes",
                "mcc": "5681",
                "annualVolume": 90000.0,
                "category": "RETAIL",
                "isPrimaryLocation": true
            }
        ]
    }
    {
        "hashedOrderId": null,
        "primaryMerchantId": 847800,
        "merchantIdList": null,
        "orderId": 683897,
        "success": true,
        "southLocationInformationList": [
            {
                "subCategory": "RETAIL",
                "success": false,
                "merchantId": 847800,
                "dbaName": "Test Company1",
                "mccDescription": "Clothing and Shoes",
                "mcc": "5681",
                "annualVolume": 90000.0,
                "category": "RETAIL",
                "isPrimaryLocation": true
            }
        ]
    }

The service will return the orderId, merchantIdList, southLocationInformationList, etc based on orderId as parameter.

Request

GET /marketplace/v1/merchantorders/:orderId/locations

Parameter Description
orderId Unique identifier that is used to pull details

Response

This endpoint returns an array of strings, each representing a feature.

Parameter Description
hashOrderId orderId to pull details.
hasThirdPartyBillableProducts hasThirdPartyBillableProducts.
locationInformation Has the below items like mcc, annual volume, etc.
subCategory subCategory.
merchantId merchant Identifier.
mccDescription mcc description.
mcc* mcc.
annualVolume annual Volume.
isPrimaryLocation primary Location.
averageTicket average ticket.
highestTicket highestTicket.
category category.
faceToFace faceToFace.
phoneOrEmail phone or email %.
bankInformation Has the below items like instName, abaNumber, etc
instName institution name.
abaNumber aba number
accountTypeId
ordinal* ordinal value.
accountNumber account number.
equipmentLocation Has the below items like lineItemId, configurableLineItemId, etc
lineItemId lineItemId
configurableLineItemId Configurable line Item Id
attributes
attributeName
attributeValue
siteSurvey Has the below items like siteVisitation, totalRegister, salesDeposit etc
siteVisitation Site visited or not
deliveryTimeFrame delivery time frame 0 to 7
businessZone business zone
merchantBusinessLocation merchant business location
salesDeposit salesDeposit
autoRenew autoRenew
rentStartTime rent start time

POST Merchantorders/Locations

data = {
  "locationInformation": [
    {
      "dbaName": "John's Computer Business",
      "merchantId": "120107",
      "averageTicket": 20,
      "mccDescription": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 100000,
      "highestTicket": 300,
      "isPrimaryLocation": true,
      "faceToFace": "100",
      "phoneOrEmail": "0",
      "internet": "0",
      "rollupIndicator": "2",
      "category": "RETAIL",
      "contactInformation": [
        {
          "contactType": "OWNER",
          "address1": "123 Main Street",
          "address2": "Suite 2",
          "city": "Beverly Hills",
          "state": "CA",
          "country": "us",
          "postalCode": "90210",
          "phone": "1234567890"
        }
      ],
      "equipmentLocation": [
        {
          "lineItemId": 6911701,
          "configurableLineItemId": 6911702,
          "attributes": [
            {
              "attributeName": "AUTO_SETTLE",
              "attributeValue": "YES",
              "attributeDomain": "TERM_ATTR"
            },
            {
              "attributeName": "TOKEN_TYPE",
              "attributeValue": "9999",
              "attributeDomain": "AEGIS"
            },
            {
              "attributeName": "AUTO_CLOSE_HHMM",
              "attributeValue": "2100",
              "attributeDomain": "MERCURY_TERM_ATTR"
            }
          ]
        }
      ],
      "bankInformation": [
        {
            "abaNumber": "12345678",
            "accountNumber": "11111111",
            "ordinal": 2,
            "trustedAccount": "NO",
            "deposits": 1,
            "nonBankAdjustments": 1,
            "depositAdjustments": 1,
            "chargebackReversals": 1,
            "interchangeAssessments": 1,
            "discountServices": 1,
            "fees": 1,
            "financialAdjustments": 1,
            "chargebacks": 1
        }
      ]
    }
  ]
}

endpoint = "/marketplace/v1/merchantorders/nmwDl/locations"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URL/marketplace/v1/merchantorders/nmwDl/locations"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "locationInformation": [
    {
      "dbaName": "John's Computer Business",
      "merchantId": "120107",
      "averageTicket": 20,
      "mccDescription": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 100000,
      "highestTicket": 300,
      "isPrimaryLocation": true,
      "faceToFace": "100",
      "phoneOrEmail": "0",
      "internet": "0",
      "rollupIndicator": "2",
      "category": "RETAIL",
      "contactInformation": [
        {
          "contactType": "OWNER",
          "address1": "123 Main Street",
          "address2": "Suite 2",
          "city": "Beverly Hills",
          "state": "CA",
          "country": "us",
          "postalCode": "90210",
          "phone": "1234567890"
        }
      ],
      "equipmentLocation": [
        {
          "lineItemId": 6911701,
          "configurableLineItemId": 6911702,
          "attributes": [
            {
              "attributeName": "AUTO_SETTLE",
              "attributeValue": "YES",
              "attributeDomain": "TERM_ATTR"
            },
            {
              "attributeName": "TOKEN_TYPE",
              "attributeValue": "9999",
              "attributeDomain": "AEGIS"
            },
            {
              "attributeName": "AUTO_CLOSE_HHMM",
              "attributeValue": "2100",
              "attributeDomain": "MERCURY_TERM_ATTR"
            }
          ]
        }
      ],
      "bankInformation": [
        {
            "abaNumber": "12345678",
            "accountNumber": "11111111",
            "ordinal": 2,
            "trustedAccount": "NO",
            "deposits": 1,
            "nonBankAdjustments": 1,
            "depositAdjustments": 1,
            "chargebackReversals": 1,
            "interchangeAssessments": 1,
            "discountServices": 1,
            "fees": 1,
            "financialAdjustments": 1,
            "chargebacks": 1
        }
      ]
    }
  ]
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/nmwDl/locations',
  headers: getAuthenticationHeaders(),
  body: {
  "locationInformation": [
    {
      "dbaName": "John's Computer Business",
      "merchantId": "120107",
      "averageTicket": 20,
      "mccDescription": "Appliances, Electronics, Computers",
      "mcc": "5734",
      "annualVolume": 100000,
      "highestTicket": 300,
      "isPrimaryLocation": true,
      "faceToFace": "100",
      "phoneOrEmail": "0",
      "internet": "0",
      "rollupIndicator": "2",
      "category": "RETAIL",
      "contactInformation": [
        {
          "contactType": "OWNER",
          "address1": "123 Main Street",
          "city": "Beverly Hills",
          "state": "CA",
          "country": "us",
          "postalCode": "90210",
          "phone": "1234567890"
        }
      ],
      "equipmentLocation": [
        {
          "lineItemId": 6911701,
          "configurableLineItemId": 6911702,
          "attributes": [
            {
              "attributeName": "AUTO_SETTLE",
              "attributeValue": "YES",
              "attributeDomain": "TERM_ATTR"
            },
            {
              "attributeName": "TOKEN_TYPE",
              "attributeValue": "9999",
              "attributeDomain": "AEGIS"
            },
            {
              "attributeName": "AUTO_CLOSE_HHMM",
              "attributeValue": "2100",
              "attributeDomain": "MERCURY_TERM_ATTR"
            }
          ]
        }
      ],
      "bankInformation": [
        {
            "abaNumber": "12345678",
            "accountNumber": "11111111",
            "ordinal": 2,
            "trustedAccount": "NO",
            "deposits": 1,
            "nonBankAdjustments": 1,
            "depositAdjustments": 1,
            "chargebackReversals": 1,
            "interchangeAssessments": 1,
            "discountServices": 1,
            "fees": 1,
            "financialAdjustments": 1,
            "chargebacks": 1
        }
      ]
    }
  ]
},
 json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
        "  \"locationInformation\": [\n" +
        "    {\n" +
        "      \"dbaName\": \"John's Computer Business\",\n" +
        "      \"merchantId\": \"120107\",\n" +
        "      \"averageTicket\": 20,\n" +
        "      \"mccDescription\": \"Appliances, Electronics, Computers\",\n" +
        "      \"mcc\": \"5734\",\n" +
        "      \"annualVolume\": 100000,\n" +
        "      \"highestTicket\": 300,\n" +
        "      \"isPrimaryLocation\": true,\n" +
        "      \"faceToFace\": \"100\",\n" +
        "      \"phoneOrEmail\": \"0\",\n" +
        "      \"internet\": \"0\",\n" +
        "      \"rollupIndicator\": \"2\",\n" +
        "      \"category\": \"RETAIL\",\n" +
        "      \"contactInformation\": [\n" +
        "        {\n" +
        "          \"contactType\": \"OWNER\",\n" +
        "          \"address1\": \"123 Main Street\",\n" +
        "          \"city\": \"Beverly Hills\",\n" +
        "          \"state\": \"CA\",\n" +
        "          \"country\": \"us\",\n" +
        "          \"postalCode\": \"90210\",\n" +
        "          \"phone\": \"1234567890\"\n" +
        "        }\n" +
        "      ],\n" +
        "      \"equipmentLocation\": [\n" +
        "        {\n" +
        "          \"lineItemId\": 6911701,\n" +
        "          \"configurableLineItemId\": 6911702,\n" +
        "          \"attributes\": [\n" +
        "            {\n" +
        "              \"attributeName\": \"AUTO_SETTLE\",\n" +
        "              \"attributeValue\": \"YES\",\n" +
        "              \"attributeDomain\": \"TERM_ATTR\"\n" +
        "            },\n" +
        "            {\n" +
        "              \"attributeName\": \"TOKEN_TYPE\",\n" +
        "              \"attributeValue\": \"9999\",\n" +
        "              \"attributeDomain\": \"AEGIS\"\n" +
        "            },\n" +
        "            {\n" +
        "              \"attributeName\": \"AUTO_CLOSE_HHMM\",\n" +
        "              \"attributeValue\": \"2100\",\n" +
        "              \"attributeDomain\": \"MERCURY_TERM_ATTR\"\n" +
        "            }\n" +
        "          ]\n" +
        "        }\n" +
        "      ],\n" +
        "      \"bankInformation\": [\n" +
        "        {\n" +
        "           \"abaNumber\": \"12345678\"\n, +
                    \"accountNumber\": \"11111111\"\n, +
                    \"ordinal\": 2,\n"
                    \"trustedAccount\": \"NO\",\n" +
                    \"deposits\": 1,\n" +
                    \"nonBankAdjustments\": 1\",\n" +
                    \"depositAdjustments\": 1\",\n" +
                    \"chargebackReversals\": 1\",\n" +
                    \"interchangeAssessments\": 1\",\n" +
                    \"discountServices\": 1,\n" +
                    \"fees\": 1,\n" +
                    \"financialAdjustments\": 1,\n" +
                    \"chargebacks\": 1
        "          
        "        }
        "      ]
        "    }
        "  ]
        "}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/nmwDl/locations", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
  'locationInformation' => 
  array (
    0 => 
    array (
      'dbaName' => 'John\'s Computer Business',
      'merchantId' => '120107',
      'averageTicket' => 20,
      'mccDescription' => 'Appliances, Electronics, Computers',
      'mcc' => '5734',
      'annualVolume' => 100000,
      'highestTicket' => 300,
      'isPrimaryLocation' => true,
      'faceToFace' => '100',
      'phoneOrEmail' => '0',
      'internet' => '0',
      'rollupIndicator' => '2',
      'category' => 'RETAIL',
      'contactInformation' => 
      array (
        0 => 
        array (
          'contactType' => 'OWNER',
          'address1' => '123 Main Street',
          'city' => 'Beverly Hills',
          'state' => 'CA',
          'country' => 'us',
          'postalCode' => '90210',
          'phone' => '1234567890',
        ),
      ),
      'equipmentLocation' => 
      array (
        0 => 
        array (
          'lineItemId' => 6911701,
          'configurableLineItemId' => 6911702,
          'attributes' => 
          array (
            0 => 
            array (
              'attributeName' => 'AUTO_SETTLE',
              'attributeValue' => 'YES',
              'attributeDomain' => 'TERM_ATTR',
            ),
            1 => 
            array (
              'attributeName' => 'TOKEN_TYPE',
              'attributeValue' => '9999',
              'attributeDomain' => 'AEGIS',
            ),
            2 => 
            array (
              'attributeName' => 'AUTO_CLOSE_HHMM',
              'attributeValue' => '2100',
              'attributeDomain' => 'MERCURY_TERM_ATTR',
            ),
          ),
        ),
      ),
      'bankInformation' => 
      array (
        0 => 
        array (
           "abaNumber"=> "12345678",
            "accountNumber" => "11111111",
            "ordinal"=> 2,
            "trustedAccount" => "NO",
            "deposits" => 1,
            "nonBankAdjustments" => 1,
            "depositAdjustments" => 1,
            "chargebackReversals" => 1,
            "interchangeAssessments" => 1,
            "discountServices" => 1,
            "fees" => 1,
            "financialAdjustments" => 1,
            "chargebacks" => 1,
        ),
      ),
    ),
  ),
)

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/nmwDl/locations");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "hashedOrderId": "nmwDl",
  "primaryMerchantId": "119932",
  "success": true
}

This endpoint collects information about each location of the business for merchant boarding purposes.

Request

POST /marketplace/v1/merchantorders/{orderId}/locations

In the request URL, use the orderId as it was returned in the response of the POST Merchantorders API.

The endpoint takes a JSON object as input, which contains following information.

Parameter Required Data Type Short Description
locationInformation array Array of (minimum one) objects, each containing the information about each business location, including e-commerce locations.
dbaName string DBA name.
merchantId string Merchant identifier.
mccDescription string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
annualVolume double Annual credit card transaction volume in USD.
averageTicket double Actual or estimated average ticket price in USD.
highestTicket double Actual or estimated highest ticket price in USD.
isPrimaryLocation boolean Indicates whether this object represents the primary business location.
faceToFace string Percentage (converted to string) of payments/transactions made face to face (can’t exceed 100%).
phoneOrEmail string Percentage (converted to string) of payments/transactions made by phone or email (can’t exceed 100%).
internet string Percentage (converted to string) of payments/transactions made on the internet (can’t exceed 100%).
rollupIndicator string
category string Category eg: "RETAIL" (refer to: GET Categories).
contactInformation array Array of (minimum one) object(s), each of which represent business information for a location. Each can contain contactType, address1, address2, address3, city, state, postalCode, country, and phone.
contactType string Type of location. Possible values: "BILLING", "CORPORATE", "LOCATION", "OWNER", "PRINCIPAL", "SHIP TO", "TRADING".
address1 string Street address.
address2 string Second line of street address, if applicable. i.e. Unit, Floor, Suite, etc.
address3 string Third line of street address.
city string City.
state string State in abbreviated format. i.e. for California send "CA".
country string ISO Standard Country Code of the country.
postalCode string ZIP/postal code.
phone string Phone number.
equipmentLocation array
lineItemId long
configurableLineItemId long
attributes array
attributeName string
attributeValue string
attributeDomain string
bankInformation array Array of (minimum one) object(s) that collects the ACH information.
abaNumber string ABA routing transit number. A nine digit code to identify a financial institution. Needs to be validated using the POST Banks/Validate service.
accountNumber string Checking account number. Usually 10-12 digit number to identify the merchant’s account.
ordinal integer Default to 2
trustedAccount string
deposits long
nonBankAdjustments long
depositAdjustments long
chargebackReversals long
interchangeAssessments long
discountServices long
fees long
financialAdjustments long
chargebacks long

Response

The endpoint returns an object containing merchant location details and the orderId.

Parameter Data Type Description
orderId string The unique identifier of an order returned after successful submission.
primaryMerchantId string Primary merchant identifier.
merchantIdList array
merchantId string

POST Merchantorders/status

data = {
    "orderIds":["D6pxj"]
}

endpoint = "/marketplace/v1/merchantorders/status"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URLmarketplace/v1/merchantorders/status"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "orderIds":["D6pxj"]
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/status',
  headers: getAuthenticationHeaders(),
  body: {
     "orderIds":["D6pxj"]
  },
   json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" +
     "\orderIds\":["\D6pxj\"] 
   }\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/status", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = {
    'orderIds' => 
        array (
            0 => 'D6pxj'
        )
}

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/status");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
    "orders": [
        {
            "orderId": "D6pxj",
            "lastUpdatedDate": "2019-09-25 23:53:18",
            "merchants": [
                {
                    "merchantId": "0n80G",
                    "lastUpdatedDate": "2019-09-25 23:55:18",
                    "status": "Order Pending",
                    "platform": "SOUTH",
                    "parentMerchantIdentifier": "847800"
                }
            ]
        }
    ]
}

Request

POST /marketplace/v1/merchantorders/status

In the request URL, use the orderId as it was returned in the response of the POST Merchantorders API.

The endpoint takes a JSON object as input, which contains following information.

Parameter Required Data Type Short Description
orderIds String Order id

Response

The endpoint returns an object containing merchant location details and the orderId.

Parameter Data Type Description
orders array The unique identifier of an order returned after successful submission.
orderId string Primary merchant identifier.
lastUpdatedDate string Last date updated.
merchants array array of merchant objects
orderId string Primary merchant identifier.
merchant object merchant info that contains merchantId, lastUpdatedDate, status etc.
merchantId string internal merchant id.
lastUpdatedDate string last date.
status string Last update.
merchantIdentifier string status of merchant

POST Merchantorders/siteInspection

data = {
  "southSiteInspection": {
    "noOfEmployees": "1",
    "merchantCurrentlyOperating": "",
    "deliveryTimeFrame_0_To_7": "100",
    "deliveryTimeFrame_8_To_14": "0",
    "deliveryTimeFrame_15_To_30": "0",
    "deliveryTimeFrame_Over_30": "0",
    "businessZone": "Commercial",
    "merchantBusinessLocation": "Other",
    "seasonalMerchant": "No",
    "totalFloors": "1",
    "floorOccupied": "1",
    "merchantsNameDisplayed": "Door",
    "apartmentSquareFoot": "0-250",
    "separateRefundPolicy": "NO",
    "customerDeposit": "No",
    "siteVisitation": "Visitation Completed",
    "licenceDisplayed": "Yes",
    "returnPolicySelected": {
      "Full Refund": true
    },
    "returnPolicy": "Full Refund"
  }
}

endpoint = "/marketplace/v1/merchantOrders/canada/bl8GK/siteInspection"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URLmarketplace/v1/merchantOrders/canada/bl8GK/siteInspection"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "southSiteInspection": {
    "noOfEmployees": "1",
    "merchantCurrentlyOperating": "",
    "deliveryTimeFrame_0_To_7": "100",
    "deliveryTimeFrame_8_To_14": "0",
    "deliveryTimeFrame_15_To_30": "0",
    "deliveryTimeFrame_Over_30": "0",
    "businessZone": "Commercial",
    "merchantBusinessLocation": "Other",
    "seasonalMerchant": "No",
    "totalFloors": "1",
    "floorOccupied": "1",
    "merchantsNameDisplayed": "Door",
    "apartmentSquareFoot": "0-250",
    "separateRefundPolicy": "NO",
    "customerDeposit": "No",
    "siteVisitation": "Visitation Completed",
    "licenceDisplayed": "Yes",
    "returnPolicySelected": {
      "Full Refund": true
    },
    "returnPolicy": "Full Refund"
  }
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantOrders/canada/bl8GK/siteInspection',
  headers: getAuthenticationHeaders(),
  body: {
    "southSiteInspection": {
    "noOfEmployees": "1",
    "merchantCurrentlyOperating": "",
    "deliveryTimeFrame_0_To_7": "100",
    "deliveryTimeFrame_8_To_14": "0",
    "deliveryTimeFrame_15_To_30": "0",
    "deliveryTimeFrame_Over_30": "0",
    "businessZone": "Commercial",
    "merchantBusinessLocation": "Other",
    "seasonalMerchant": "No",
    "totalFloors": "1",
    "floorOccupied": "1",
    "merchantsNameDisplayed": "Door",
    "apartmentSquareFoot": "0-250",
    "separateRefundPolicy": "NO",
    "customerDeposit": "No",
    "siteVisitation": "Visitation Completed",
    "licenceDisplayed": "Yes",
    "returnPolicySelected": {
      "Full Refund": true
    },
    "returnPolicy": "Full Refund"
  }
},
   json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" + 
     "\southSiteInspection\": {\n" +
     "\noOfEmployees\": 1,\n" +
     "\merchantCurrentlyOperating\": "",\n" +
     "\deliveryTimeFrame_0_To_7\": "100",\n" +
     "\deliveryTimeFrame_8_To_14\": "0",\n" +
     "\deliveryTimeFrame_15_To_30\": "0",\n" +
     "\deliveryTimeFrame_Over_30\": "0",\n" +
     "\businessZone\": "Commercial",\n" +
     "\merchantBusinessLocation\": "Other",\n" +
     "\seasonalMerchant\": "No",\n" +
     "\totalFloors\": "1",\n" +
     "\floorOccupied\": "1",\n" +
     "\merchantsNameDisplayed\": "Door",\n" +
     "\apartmentSquareFoot\": "0-250",\n" +
     "\separateRefundPolicy\": "NO",\n" +
     "\customerDeposit\": "No",\n" +
     "\siteVisitation\": "Visitation Completed",\n" +
     "\licenceDisplayed\": "Yes",\n" +
     "\returnPolicySelected\": {\n" +
       "\Full Refund\": true\n" +
     },
     "\returnPolicy\": "Full Refund"\n" +
  }
   }\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantOrders/canada/bl8GK/siteInspection", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = {
    "southSiteInspection" =>  {
      "noOfEmployees" => "1",
      "merchantCurrentlyOperating" =>  "",
      "deliveryTimeFrame_0_To_7" => "100",
      "deliveryTimeFrame_8_To_14" => "0",
      "deliveryTimeFrame_15_To_30" => "0",
      "deliveryTimeFrame_Over_30" => "0",
      "businessZone" => "Commercial",
      "merchantBusinessLocation" => "Other",
      "seasonalMerchant"=> "No",
      "totalFloors"=> "1",
      "floorOccupied"=> "1",
      "merchantsNameDisplayed"=> "Door",
      "apartmentSquareFoot"=> "0-250",
      "separateRefundPolicy"=> "NO",
      "customerDeposit"=> "No",
      "siteVisitation"=> "Visitation Completed",
      "licenceDisplayed"=> "Yes",
      "returnPolicySelected"=> {
        "Full Refund"=> true
      },
      "returnPolicy"=> "Full Refund"
  }
}

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantOrders/canada/bl8GK/siteInspection");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

  {
    "hashedOrderId": "bl8GK",
    "merchantIdList": ["3456", "3222"],
    "orderId": 67876,
    "parentCompanyId": 9876,
    "primaryMerchantId": "122790",
    "siteInspection":  {
        "noOfEmployees": "1",
        "merchantCurrentlyOperating": "",
        "deliveryTimeFrame_0_To_7": "100",
        "deliveryTimeFrame_8_To_14": "0",
        "deliveryTimeFrame_15_To_30": "0",
        "deliveryTimeFrame_Over_30": "0",
        "businessZone": "Commercial",
        "merchantBusinessLocation": "Other",
        "seasonalMerchant": "No",
        "totalFloors": "1",
        "floorOccupied": "1",
        "merchantsNameDisplayed": "Door",
        "apartmentSquareFoot": "0-250",
        "separateRefundPolicy": "NO",
        "customerDeposit": "No",
        "siteVisitation": "Visitation Completed",
        "licenceDisplayed": "Yes",
        "returnPolicySelected": {
          "Full Refund": true
        },
        "returnPolicy": "Full Refund"
    },
    "success": false
  }

This endpoint collects site inspection details of the merchant business.

Request

POST /marketplace/v1/merchantOrders/canada/bl8GK/siteInspection

In the request URL, use the siteInspection details, some of it from the GET of siteInspection API, and some of it based on user inputs.

The endpoint takes a JSON object as input, which contains following information. This endpoint is used to retrieve Salesforce leads for a particular business consultant.

Parameter Data Type Short Description
apartmentSquareFoot string Approximate square footage of business
businessZone string Type of zone the business is located in
customerDeposit string
noOfEmployees string Number of employees at inspection site
merchantCurrentlyOperating string Is the merchant currently operating?
siteVisitation string Has the site visitation been completed?
licenceDisplayed string Is the business license properly displayed on site?
totalFloors string Number of floors/levels in the building the business is located in
floorOccupied string Number of floors/level the merchant occupies in the building the business is located in
merchantsNameDisplayed string How is the merchants name displayed on site?
returnPolicy string Return policy of the business.
seasonalMerchant string Is the merchant a seasonal merchant?
separateRefundPolicy string Does the merchant have a separate refund policy for credit card sales?

Response

The endpoint returns an object containing merchant details and the hashedOrderId.

Parameter Data Type Description
hashedOrderId string The unique identifier of an order returned after successful submission.
primaryMerchantId string Primary merchant Id related to this site inspection
orderId int Order id related to this site inspection
merchantIdList array List of merchant Ids arelated to this site inspection
siteInspection object The southSiteInsepection that was posted in the request
parentCompanyId int CompanyId for the acquiring bank making the request
success boolean Was the siteInspection post successful?

GET Merchantorders/siteInspection

data = {}

endpoint = "/marketplace/v1/merchantOrders/canada/:orderId/siteInspection"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URL/marketplace/v1/merchantOrders/canada/:orderId/siteInspection"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantOrders/canada/:orderId/siteInspection',
  headers: getAuthenticationHeaders(),
  body: {},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" 
   "}\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantOrders/canada/:orderId/siteInspection", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantOrders/canada/:orderId/siteInspection");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:


{
    "primaryMerchantId": 849634,
    "merchantIdList": null,
    "orderId": null,
    "hashedOrderId": null,
    "siteInspection": {
        "noOfEmployees": "1",
        "merchantCurrentlyOperating": "",
        "deliveryTimeFrame_0_To_7": "100",
        "deliveryTimeFrame_8_To_14": "0",
        "deliveryTimeFrame_15_To_30": "0",
        "deliveryTimeFrame_Over_30": "0",
        "businessZone": "Commercial",
        "merchantBusinessLocation": "Other",
        "seasonalMerchant": "No",
        "totalFloors": 1,
        "floorOccupied": 1,
        "merchantsNameDisplayed": "Door",
        "apartmentSquareFoot": "0-250",
        "licenceDisplayed": "Yes",
        "separateRefundPolicy": "NO",
        "customerDeposit": "No",
        "siteVisitation": "Visitation Completed"
    },
    "parentCompanyId": 9523,
    "success": true
}

This endpoint is used to get the previously posted information regarding an on site visit to a merchant location

Request

GET /marketplace/v1/merchantOrders/canada/:orderId/siteInspection

Parameter Required Data Type Default Description
no input

Response

The endpoint returns an object containing merchant details and the hashedOrderId.

Parameter Data Type Description
hashedOrderId string The unique identifier of an order returned after successful submission.
primaryMerchantId string Primary merchant Id related to this site inspection
orderId int Order id related to this site inspection
merchantIdList array List of merchant Ids arelated to this site inspection
siteInspection object The southSiteInsepection that was posted in the request
noOfEmployees string Number of employees at inspection site
merchantCurrentlyOperating string Is the merchant currently operating?
deliveryTimeFrame_0_To_7 string % of sold products/services delivered to purchase in 0 to 7 day timeframe
deliveryTimeFrame_8_To_14 string % of sold products/services delivered to purchase in 8 to 14 day timeframe
deliveryTimeFrame_15_To_30 string % of sold products/services delivered to purchase in 15 to 30 day timeframe
deliveryTimeFrame_Over_30 string % of sold products/services delivered to purchase in over 30 days
businessZone string Type of zone the business is located in
merchantBusinessLocation string Kind of location the business is located in
seasonalMerchant string Is the merchant a seasonal merchant?
totalFloors string Number of floors/levels in the building the business is located in
floorOccupied string Number of floors/level the merchant occupies in the building the business is located in
merchantsNameDisplayed string How is the merchants name displayed on site?
apartmentSquareFoot string Approximate square footage of business
separateRefundPolicy string Does the merchant have a separate refund policy for credit card sales?
customerDeposit string Does the merchant require customers to leave a deposit?
siteVisitation string Has the site visitation been completed?
licenceDisplayed string Is the business license properly displayed on site?
returnPolicySelected object Each return policy that has been selected. For Example, the policy may be “Full Refund” and “Store Credit”
returnPolicySelected object return policy object containing keys or information like Full Refund, Store Credit, Exchange Only, No Refunds, and Other.
returnPolicy string Merchant Return Policy
DELIVERY0_3 string % of refunds submitted in 0 to 3 day timeframe
DELIVERY3_7 string % of refunds submitted in 3 to 7 day timeframe
DELIVERY8_14 string % of refunds submitted in 8 to 14 day timeframe
DELIVERY15 string % of refunds submitted in over 15 days
refundTimeFrame_0_To_7 string % of refunds submitted in 0 to 7 day timeframe
refundTimeFrame_8_To_14 string % of refunds submitted in 8 to 14 day timeframe
refundTimeFrame_15_To_30 string % of refunds submitted in 15 to 30 day timeframe
refundTimeFrame_Over_30 string % of refunds submitted in over 30 days
parentCompanyId int CompanyId for the acquiring bank making the request
success boolean Was the siteInspection post successful?

GET Merchantorders/AccountPreferences

data = {}

endpoint = "/marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URL/marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences',
  headers: getAuthenticationHeaders(),
  body: {},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" 
   "}\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
  "advancePreferenceModel": {
      "statementDeliveryType": "Email",
      "statementEmailAddress": "testemail@gmail.com",
      "form1099Electronically": "Yes",
      "form1099ToEmail": "Yes",
      "chargeBack": "Corporate",
      "chargeBackDeliveryType": "Mail And Dispute Manager",
      "contactPhone": "7182387123",
      "preferredTrainingFrom": "12:00PM",
      "preferredTrainingTo": "01:00PM",
      "trainingProvider": "MAG",
      "thirdPartyProcessor": "00",
      "languagePreference": "ENG",
      "seasonalMerchant": "NO",
      "statementType": "F",
      "requiredPersonalGuarantee": false,
      "fundingNotification": "Yes",
      "bankListedInUSA": "No",
      "bankMaintainedUSA": "No",
      "paymentINUSD": "No"
  }
}

This endpoint is used to get previously posted advanced preferences, such as statement/cardholder dispute preferences, whether a personal guranty is required, Certification of Non-US tax payer status, and any general comments or comments for the credit officer.

Request

GET /marketplace/v1/merchantOrders/canada/{orderId}/accountPreferences

Parameter Required Data Type Short Description
no input

Response

Parameter Data Type Description
advancedPreferenceModel object
statementDeliveryType string How should account statements be delivered?
statementType string Statement detail level
statementEmailAddress string Email address to send statements to.
form1099Electronically string File form 1099 electronically?
chargeBack string Will chargebacks be managed at the corporate or location level?
chargeBackDeliveryType string Who should chargeBack notifications be delivered to?
contactName string Who to contact regarding statements
contactPhone string Phone number to contact regarding statements
languagePreference string What language should statements be delivered in?
trainingProvider string Who will provide training for merchants?
preferredTrainingFrom string Preferred trainting time starting at
preferredTrainingTo string Preferred trainting time ending at
thirdPartyProcessor string Is this a third party processor?
requiredPersonalGuarantee boolean Does the acquirer require a personal guaranty from the merchant?
fundingNotification string Should there be a notification for funding?
bankListedInUSA string Is the merchant’s bank listed in the USA?
bankMaintainedUSA string Is the merchant’s bank maintained in the USA?
contractNotes object Statement detail level
commentToCreditOfficer string Comments for the credit officer
managerNotes string General comments regarding the merchant

POST Merchantorders/AccountPreferences

data = {
  "advancedPreferences": {
    "statementDeliveryType": "Email",
    "statementType": "F",
    "statementEmailAddress": "johnsmith@email.com",
    "form1099Electronically": "Yes",
    "form1099ToEmail": "Yes",
    "chargeBack": "1",
    "chargeBackDeliveryType": "Mail",
    "contactName": "John Smith",
    "contactPhone": "1234567890",
    "installContact": "",
    "openDate": "10/31/2018",
    "languagePreference": "ENG",
    "trainingProvider": "MAG",
    "preferredTrainingFrom": "11:00AM",
    "preferredTrainingTo": "12:00PM",
    "thirdPartyProcessor": "00",
    "requiredPersonalGuarantee": false
    },
  "contractNotes": {
    "commentToCreditOfficer": "",
    "managerNotes": ""
  }
}

endpoint = "/marketplace/v1/merchantOrders/canada/{orderId}/accountpreferences"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)

ENDPOINT="$URL/marketplace/v1/merchantorders/canada/{orderId}/accountpreferences"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
  "advancedPreferences": {
    "statementDeliveryType": "Email",
    "statementType": "F",
    "statementEmailAddress": "johnsmith@email.com",
    "form1099Electronically": "Yes",
    "form1099ToEmail": "Yes",
    "chargeBack": "1",
    "chargeBackDeliveryType": "Mail",
    "contactName": "John Smith",
    "contactPhone": "1234567890",
    "installContact": "",
    "openDate": "10/31/2018",
    "languagePreference": "ENG",
    "trainingProvider": "MAG",
    "preferredTrainingFrom": "11:00AM",
    "preferredTrainingTo": "12:00PM",
    "thirdPartyProcessor": "00",
    "requiredPersonalGuarantee": false
    },
  "contractNotes": {
    "commentToCreditOfficer": "",
    "managerNotes": ""
  }
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/canada/{orderId}/accountpreferences',
  headers: getAuthenticationHeaders(),
  body: {
  "advancedPreferences": {
    "statementDeliveryType": "Email",
    "statementType": "F",
    "statementEmailAddress": "johnsmith@email.com",
    "form1099Electronically": "Yes",
    "form1099ToEmail": "Yes",
    "chargeBack": "1",
    "chargeBackDeliveryType": "Mail",
    "contactName": "John Smith",
    "contactPhone": "1234567890",
    "installContact": "",
    "openDate": "10/31/2018",
    "languagePreference": "ENG",
    "trainingProvider": "MAG",
    "preferredTrainingFrom": "11:00AM",
    "preferredTrainingTo": "12:00PM",
    "thirdPartyProcessor": "00",
    "requiredPersonalGuarantee": false
    },
  "contractNotes": {
    "commentToCreditOfficer": "",
    "managerNotes": ""
  }
},
json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" 
 \"advancedPreferences\": {\n    \"statementDeliveryType\": \"Email\",
\n    \"statementType\": \"F\",
\n    \"statementEmailAddress\": \"johnsmith@email.com\",
\n    \"form1099Electronically\": \"Yes\",
\n    \"form1099ToEmail\": \"Yes\",
\n    \"chargeBack\": \"1\",
\n    \"chargeBackDeliveryType\": \"Mail\",
\n    \"contactName\": \"John Smith\",
\n    \"contactPhone\": \"1234567890\",
\n    \"installContact\": \"\",
\n    \"openDate\": \"10\/31\/2018\",
\n    \"languagePreference\": \"ENG\",
\n    \"trainingProvider\": \"MAG\",
\n    \"preferredTrainingFrom\": \"11:00AM\",
\n    \"preferredTrainingTo\": \"12:00PM\",
\n    \"thirdPartyProcessor\": \"00\",
\n    \"requiredPersonalGuarantee\": false
\n    },
\n  \"contractNotes\": {
\n    \"commentToCreditOfficer\": \"\",
\n    \"managerNotes\": \"\"
\n  }
\n}";

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/canada/{orderId}/accountpreferences", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$data = array (
    'advancedPreferences' => 
    array (
      'statementDeliveryType' => 'Email',
      'statementType' => 'F',
      'statementEmailAddress' => 'johnsmith@email.com',
      'form1099Electronically' => 'Yes',
      'form1099ToEmail' => 'Yes',
      'chargeBack' => '1',
      'chargeBackDeliveryType' => 'Mail',
      'contactName' => 'John Smith',
      'contactPhone' => '1234567890',
      'installContact' => '',
      'openDate' => '10/31/2018',
      'languagePreference' => 'ENG',
      'trainingProvider' => 'MAG',
      'preferredTrainingFrom' => '11:00AM',
      'preferredTrainingTo' => '12:00PM',
      'thirdPartyProcessor' => '00',
      'requiredPersonalGuarantee' => false,
    ),
    'contractNotes' => 
    array (
      'commentToCreditOfficer' => '',
      'managerNotes' => '',
    ),
  )

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/canada/{orderId}/locations");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:


    { }

Request

POST /marketplace/v1/merchantorders/canada/{orderId}/accountpreferences

This endpoint is used to post advanced preferences, such as statement/cardholder dispute preferences, whether a personal guranty is required, Certification of Non-US tax payer status, and any general comments or comments for the credit officer.

Parameter Required Data Type Short Description
advancedPreferences object
statementDeliveryType string Method of delivery for Account Statement. Possible values: "Email", "Online"
statementEmailAddress string Email address to deliver the Account Statement.
form1099Electronically string Option for merchant to get Form 1099 form electronically. Possible values: "Yes", "No"
form1099ToEmail string Option to send Form 1099 to the same email as Account Statement. Possible values: "Yes", "No"
emailAddressFor1099k string Email Address for 1009 Statement. Only if merchant selected "No" for form1099ToEmail.
chargeBack string Address to respond the Chargeback or Retrieval Disputes. Possible values: "0", "1", "2" (refer to: chargeBack Values).
chargeBackDeliveryType string Method of delivery for Chargeback or Retrieval Disputes. Possible values: "Mail", "Fax", "Dispute Manager"
fax string Fax number to which Charge back information will be Sent. Only if merchant selects "Fax" for chargeBackDeliveryType.
contactName string Contact name for installation.
contactPhone string Merchant phone number for installation.
preferredTrainingFrom string Preferred start time for installation and training (configuring terminals and software). Possible values: "09:00AM", "10:00AM", "11:00AM", "12:00PM", "1:00PM", "2:00PM", "3:00PM", "4:00PM".
preferredTrainingTo string Preferred end time for installation and training (configuring terminals and software). Possible values: "10:00AM", "11:00AM", "12:00PM", "1:00PM", "2:00PM“, "3:00PM", "4:00PM", "5:00PM".
trainingProvider string Training provider, the person to conduct training. Possible values: "INSTALLER", "MAG", "OSR", "SELF" (refer to: trainingProvider Values).
thirdPartyProcessor string Option to select Any software used for storing, transmitting, or processing card transactions or authorized requests
thirdPartyProcessorSoftware string If any third party selected, what is the name of it?
openDate string Date merchant is open to install the equipment format Ex: "08/30/2017".
installContact string Contact from merchant to connect while installing the equipment.
languagePreference string Language preference of the contact during installation. See possible values here.
statementType string Type of the Statement to provide a comprehensive record of submission, Chargebacks, funding info and fees. Possible values: "F" (Detail), "G" (Summary).
requiredPersonalGuarantee boolean Personal Guarantee is required for contract.
contractNotes object
managerNotes string Any specific contract notes for Manager.
commentToCreditOfficer string Comments to the Credit Officer who has to approve the contract.

POST Application/Signup

# Don't forget to add your HMAC Authorization Headers

# Note: the "document" string below is an incomplete example 
data = { 
  "transactionInfo": {  
    "mccTypes": "Business to Business (Supplies)",
    "mcc": "5978",
    "annualVolume": 300000,
    "averageTicket": 10,
    "highestTicket": 100,
    "category": "RETAIL"
  },
  "cartDetails": {  
    "data": [{  
        "id": 74042,
        "name": "Clover Mini 3G/WiFi",
        "price": 649,
        "term": "P",
        "qty": 1,
        "productType": "Terminal"
      }, {  
        "id": 10013,
        "name": "Visa/MasterCard",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
      }, {  
        "id": 10022,
        "name": "Debit",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
    }],
    "amount": 649,
    "shipping_amount": 19.99,
    "tax": 0,
    "taxPercent": -2,
    "total": 668.99,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  },
  "contactInformation": [{  
      "contactType": "LOCATION",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
    }, {  
      "contactType": "CORPORATE",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
  }],
  "merchantAttributes": [{  
      "highestTicket": 100,
      "faceToFace": "90",
      "phoneOrEmail": "5",
      "internet": "5",
      "stateOfIncorporation": "CA",
      "taxFilingName": "John Business Supplies, Inc.",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "17487900F244257DA",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "employeeIdentificationNumber": "989898989",
      "yearsInBusiness": "2006-06-01",
      "yearsAtLocation":" 2006-06-01",
      "organizationType": "Private corporation"
  }],
  "bankInformation": [{  
      "instName": "JPMORGAN CHASE BANK, NA",
      "abaNumber": "122100024",
      "accountNumber": "123567890",
      "ordinal": 2
  }],
  "ownerInformation":[{  
      "lastName": "Smith",
      "firstName": "John",
      "ssn": "989898989",
      "dateOfBirth": "1983-03-16",
      "title": "PARTNER",
      "homeContactId": "111",
      "taxId": "989898989"
  }]
}

endpoint = "/marketplace/v1/application/signup"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
# Don't forget to add your HMAC Authorization Headers

# Note: the "document" string below is an incomplete example 
ENDPOINT="$URL/marketplace/v1/application/signup"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{ 
  "transactionInfo": {  
    "mccTypes": "Business to Business (Supplies)",
    "mcc": "5978",
    "annualVolume": 300000,
    "averageTicket": 10,
    "highestTicket": 100,
    "category": "RETAIL"
  },
  "cartDetails": {  
    "data": [{  
        "id": 74042,
        "name": "Clover Mini 3G/WiFi",
        "price": 649,
        "term": "P",
        "qty": 1,
        "productType": "Terminal"
      }, {  
        "id": 10013,
        "name": "Visa/MasterCard",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
      }, {  
        "id": 10022,
        "name": "Debit",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
    }],
    "amount": 649,
    "shipping_amount": 19.99,
    "tax": 0,
    "taxPercent": -2,
    "total": 668.99,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  },
  "contactInformation": [{  
      "contactType": "LOCATION",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
    }, {  
      "contactType": "CORPORATE",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
  }],
  "merchantAttributes": [{  
      "highestTicket": 100,
      "faceToFace": "90",
      "phoneOrEmail": "5",
      "internet": "5",
      "stateOfIncorporation": "CA",
      "taxFilingName": "John Business Supplies, Inc.",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "17487900F244257DA",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "employeeIdentificationNumber": "989898989",
      "yearsInBusiness": "2006-06-01",
      "yearsAtLocation":" 2006-06-01",
      "organizationType": "Private corporation"
  }],
  "bankInformation": [{  
      "instName": "JPMORGAN CHASE BANK, NA",
      "abaNumber": "122100024",
      "accountNumber": "123567890",
      "ordinal": 2
  }],
  "ownerInformation":[{  
      "lastName": "Smith",
      "firstName": "John",
      "ssn": "989898989",
      "dateOfBirth": "1983-03-16",
      "title": "PARTNER",
      "homeContactId": "111",
      "taxId": "989898989"
  }]
}' $ENDPOINT
// Don't forget to add your HMAC Authorization Headers

// Note: the "document" string below is an incomplete example 
var options = { method: 'POST',
  url: url + '/marketplace/v1/application/signup',
  headers: getAuthenticationHeaders(),
  body: {  
  "transactionInfo": {  
    "mccTypes": "Business to Business (Supplies)",
    "mcc": "5978",
    "annualVolume": 300000,
    "averageTicket": 10,
    "highestTicket": 100,
    "category": "RETAIL"
  },
  "cartDetails": {  
    "data": [{  
        "id": 74042,
        "name": "Clover Mini 3G/WiFi",
        "price": 649,
        "term": "P",
        "qty": 1,
        "productType": "Terminal"
      }, {  
        "id": 10013,
        "name": "Visa/MasterCard",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
      }, {  
        "id": 10022,
        "name": "Debit",
        "price": 0,
        "term": "P",
        "qty": 1,
        "productType": "ACQUIRING"
    }],
    "amount": 649,
    "shipping_amount": 19.99,
    "tax": 0,
    "taxPercent": -2,
    "total": 668.99,
    "shipping_option_id": 1,
    "purchaseEnabled": true,
    "total_qty": 1
  },
  "contactInformation": [{  
      "contactType": "LOCATION",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
    }, {  
      "contactType": "CORPORATE",
      "address1": "123 Main Street",
      "city": "Beverly Hills",
      "state": "CA",
      "postalCode": "90210",
      "country": "USA",
      "email": "johndoe@email.com",
      "phone": "1234567890",
      "url": "jonhnsbusinesssupplies.com"
  }],
  "merchantAttributes": [{  
      "highestTicket": 100,
      "faceToFace": "90",
      "phoneOrEmail": "5",
      "internet": "5",
      "stateOfIncorporation": "CA",
      "taxFilingName": "John Business Supplies, Inc.",
      "foreignEntityOption": "N",
      "tinRequestedGuid": "17487900F244257DA",
      "dbaName": "John's Business Supplies",
      "legalName": "John's Business Supplies",
      "employeeIdentificationNumber": "989898989",
      "yearsInBusiness": "2006-06-01",
      "yearsAtLocation":" 2006-06-01",
      "organizationType": "Private corporation"
  }],
  "bankInformation": [{  
      "instName": "JPMORGAN CHASE BANK, NA",
      "abaNumber": "122100024",
      "accountNumber": "123567890",
      "ordinal": 2
  }],
  "ownerInformation":[{  
      "lastName": "Smith",
      "firstName": "John",
      "ssn": "989898989",
      "dateOfBirth": "1983-03-16",
      "title": "PARTNER",
      "homeContactId": "111",
      "taxId": "989898989"
  }]
},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(body);
});
// Don't forget to add your HMAC Authorization Headers

// Note: the value for the "document" parameter in the string below is an incomplete example 
try {
  String jsonString = "{\n" +
        "  \"transactionInfo\": {  \n" +
        "    \"mccTypes\": \"Business to Business (Supplies)\",\n" +
        "    \"mcc\": \"5978\",\n" +
        "    \"annualVolume\": 300000,\n" +
        "    \"averageTicket\": 10,\n" +
        "    \"highestTicket\": 100,\n" +
        "    \"category\": \"RETAIL\"\n" +
        "  },\n" +
        "  \"cartDetails\": {  \n" +
        "    \"data\": [{  \n" +
        "        \"id\": 74042,\n" +
        "        \"name\": \"Clover Mini 3G/WiFi\",\n" +
        "        \"price\": 649,\n" +
        "        \"term\": \"P\",\n" +
        "        \"qty\": 1,\n" +
        "        \"productType\": \"Terminal\"\n" +
        "      }, {  \n" +
        "        \"id\": 10013,\n" +
        "        \"name\": \"Visa/MasterCard\",\n" +
        "        \"price\": 0,\n" +
        "        \"term\": \"P\",\n" +
        "        \"qty\": 1,\n" +
        "        \"productType\": \"ACQUIRING\"\n" +
        "      }, {  \n" +
        "        \"id\": 10022,\n" +
        "        \"name\": \"Debit\",\n" +
        "        \"price\": 0,\n" +
        "        \"term\": \"P\",\n" +
        "        \"qty\": 1,\n" +
        "        \"productType\": \"ACQUIRING\"\n" +
        "    }],\n" +
        "    \"amount\": 649,\n" +
        "    \"shipping_amount\": 19.99,\n" +
        "    \"tax\": 0,\n" +
        "    \"taxPercent\": -2,\n" +
        "    \"total\": 668.99,\n" +
        "    \"shipping_option_id\": 1,\n" +
        "    \"purchaseEnabled\": true,\n" +
        "    \"total_qty\": 1\n" +
        "  },\n" +
        "  \"contactInformation\": [{  \n" +
        "      \"contactType\": \"LOCATION\",\n" +
        "      \"address1\": \"123 Main Street\",\n" +
        "      \"city\": \"Beverly Hills\",\n" +
        "      \"state\": \"CA\",\n" +
        "      \"postalCode\": \"90210\",\n" +
        "      \"country\": \"USA\",\n" +
        "      \"email\": \"johndoe@email.com\",\n" +
        "      \"phone\": \"1234567890\",\n" +
        "      \"url\": \"jonhnsbusinesssupplies.com\"\n" +
        "    }, {  \n" +
        "      \"contactType\": \"CORPORATE\",\n" +
        "      \"address1\": \"123 Main Street\",\n" +
        "      \"city\": \"Beverly Hills\",\n" +
        "      \"state\": \"CA\",\n" +
        "      \"postalCode\": \"90210\",\n" +
        "      \"country\": \"USA\",\n" +
        "      \"email\": \"johndoe@email.com\",\n" +
        "      \"phone\": \"1234567890\",\n" +
        "      \"url\": \"jonhnsbusinesssupplies.com\"\n" +
        "  }],\n" +
        "  \"merchantAttributes\": [{  \n" +
        "      \"highestTicket\": 100,\n" +
        "      \"faceToFace\": \"90\",\n" +
        "      \"phoneOrEmail\": \"5\",\n" +
        "      \"internet\": \"5\",\n" +
        "      \"stateOfIncorporation\": \"CA\",\n" +
        "      \"taxFilingName\": \"John Business Supplies, Inc.\",\n" +
        "      \"foreignEntityOption\": \"N\",\n" +
        "      \"tinRequestedGuid\": \"17487900F244257DA\",\n" +
        "      \"dbaName\": \"John's Business Supplies\",\n" +
        "      \"legalName\": \"John's Business Supplies\",\n" +
        "      \"employeeIdentificationNumber\": \"989898989\",\n" +
        "      \"yearsInBusiness\": \"2006-06-01\",\n" +
        "      \"yearsAtLocation\":\" 2006-06-01\",\n" +
        "      \"organizationType\": \"Private corporation\"\n" +
        "  }],\n" +
        "  \"bankInformation\": [{  \n" +
        "      \"instName\": \"JPMORGAN CHASE BANK, NA\",\n" +
        "      \"abaNumber\": \"122100024\",\n" +
        "      \"accountNumber\": \"123567890\",\n" +
        "      \"ordinal\": 2\n" +
        "  }],\n" +
        "  \"ownerInformation\":[{  \n" +
        "      \"lastName\": \"Smith\",\n" +
        "      \"firstName\": \"John\",\n" +
        "      \"ssn\": \"989898989\",\n" +
        "      \"dateOfBirth\": \"1983-03-16\",\n" +
        "      \"title\": \"PARTNER\",\n" +
        "      \"homeContactId\": \"111\",\n" +
        "      \"taxId\": \"989898989\"\n" +
        "  }]\n" +
        "}";


  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/application/signup", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONObject json = new JSONObject(response_string);
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}
<?php
# Don't forget to add your HMAC Authorization Headers

# Note: the "document" string below is an incomplete example
$data = (
  'transactionInfo' => 
  array (
    'mccTypes' => 'Business to Business (Supplies)',
    'mcc' => '5978',
    'annualVolume' => 300000,
    'averageTicket' => 10,
    'highestTicket' => 100,
    'category' => 'RETAIL',
  ),
  'cartDetails' => 
  array (
    'data' => 
    array (
      0 => 
      array (
        'id' => 74042,
        'name' => 'Clover Mini 3G/WiFi',
        'price' => 649,
        'term' => 'P',
        'qty' => 1,
        'productType' => 'Terminal',
      ),
      1 => 
      array (
        'id' => 10013,
        'name' => 'Visa/MasterCard',
        'price' => 0,
        'term' => 'P',
        'qty' => 1,
        'productType' => 'ACQUIRING',
      ),
      2 => 
      array (
        'id' => 10022,
        'name' => 'Debit',
        'price' => 0,
        'term' => 'P',
        'qty' => 1,
        'productType' => 'ACQUIRING',
      ),
    ),
    'amount' => 649,
    'shipping_amount' => 19.989999999999998,
    'tax' => 0,
    'taxPercent' => -2,
    'total' => 668.99000000000001,
    'shipping_option_id' => 1,
    'purchaseEnabled' => true,
    'total_qty' => 1,
  ),
  'contactInformation' => 
  array (
    0 => 
    array (
      'contactType' => 'LOCATION',
      'address1' => '123 Main Street',
      'city' => 'Beverly Hills',
      'state' => 'CA',
      'postalCode' => '90210',
      'country' => 'USA',
      'email' => 'johndoe@email.com',
      'phone' => '1234567890',
      'url' => 'jonhnsbusinesssupplies.com',
    ),
    1 => 
    array (
      'contactType' => 'CORPORATE',
      'address1' => '123 Main Street',
      'city' => 'Beverly Hills',
      'state' => 'CA',
      'postalCode' => '90210',
      'country' => 'USA',
      'email' => 'johndoe@email.com',
      'phone' => '1234567890',
      'url' => 'jonhnsbusinesssupplies.com',
    ),
  ),
  'merchantAttributes' => 
  array (
    0 => 
    array (
      'highestTicket' => 100,
      'faceToFace' => '90',
      'phoneOrEmail' => '5',
      'internet' => '5',
      'stateOfIncorporation' => 'CA',
      'taxFilingName' => 'John Business Supplies, Inc.',
      'foreignEntityOption' => 'N',
      'tinRequestedGuid' => '17487900F244257DA',
      'dbaName' => 'John\'s Business Supplies',
      'legalName' => 'John\'s Business Supplies',
      'employeeIdentificationNumber' => '989898989',
      'yearsInBusiness' => '2006-06-01',
      'yearsAtLocation' => ' 2006-06-01',
      'organizationType' => 'Private corporation',
    ),
  ),
  'bankInformation' => 
  array (
    0 => 
    array (
      'instName' => 'JPMORGAN CHASE BANK, NA',
      'abaNumber' => '122100024',
      'accountNumber' => '123567890',
      'ordinal' => 2,
    ),
  ),
  'ownerInformation' => 
  array (
    0 => 
    array (
      'lastName' => 'Smith',
      'firstName' => 'John',
      'ssn' => '989898989',
      'dateOfBirth' => '1983-03-16',
      'title' => 'PARTNER',
      'homeContactId' => '111',
      'taxId' => '989898989',
    ),
  ),
);

$data_json = json_encode($data);
$headers = array(
    'date: ' . $date,
    'Authorization: ' . $hmacAuth,
    'Content-Type: application/json',
    'Content-Length: ' . strlen($data_json)
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/application/signup");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_json);
$res = curl_exec($ch);
curl_close($ch);

?>


The above command returns JSON structured like this:

{
  "orderId": 18262
}

This endpoint allows us to validate merchant information and product data and submit an order at the same time. It serves as a combination of POST Application/Checkout and POST Application/Update, intended to be used in certain cases.

Request

POST /marketplace/v1/application/signup

The endpoint takes a JSON object as input containing merchant and transaction information and product data.

Parameter Required Data Type Description
transactionInfo object Transactions information used to determine pricing. Contains mccTypes, mcc, annualVolume, averageTicket, highestTicket and category.
mccTypes string “Merchant Category Code” MCC description (refer to: GET MCC/Category).
mcc string MCC Code (refer to: GET MCC/Category).
annualVolume long Actual or estimated annual credit card transaction volume in USD.
averageTicket long Actual or estimated average ticket price in USD.
highestTicket long Actual or estimated highest ticket price in USD.
category string Category name eg: "RETAIL/MOTO" (refer to: GET Categories).
cartDetails object Object containing the details of the Order Summary. Contains data, amount, shipping_amount, tax taxPercent, total, status, shipping_option_id, purchaseEnabled and total_qty.
data array Array of objects containing products in the cart. Contains id, name, price, term, qty and productType.
id integer productId: Numeric value that uniquely identifies each product (canonical identifier).
name string productName: Product name.
price float Unit price for a product.
term string purchaseType eg: Purchase, Rent, Lease etc. See list of possible values here.
qty integer Quantity selected.
productType string Indicates the behavior of the product, or when the merchant is charged a fee in case of “Processing/Pricing” products.
amount double Sum of prices of products in cart in USD.
shipping_amount double Amount to be charged for shipping and handling in USD.
tax double Amount of tax to be collected (based on taxPercent) in USD.
taxPercent double Tax rate in %. You may use any external service to calculate taxes based on location.
total double Total amount to be charged in USD. Sum of amount, shipping_amount and tax.
shipping_option_id integer Numeric identifier for shipping method. Default to 1. Currently only “Ground Shipping” is available, which corresponds to the value 1.
purchaseEnabled boolean Default to true.
total_qty integer Total quantity of products in the Shopping Cart.
contactInformation array Array of (minimum one) object(s), each of which represent business information for a location. Each contains contactType, address1, address2, city, state, postalCode, country, email, phone and url.
contactType string Type of location, i.e "LOCATION", "CORPORATE".
address1 string Street address.
address2 string Second line of street address, if applicable. i.e. Unit, Floor, Suite, etc.
city string City the business is located in.
state string State the business is located in, abbreviated format. i.e. for California send "CA".
postalCode string Business ZIP code.
country string Country the business is located in.
email string Contact email address for location.
phone string Primary contact phone number OR business primary phone number.
url string URL of business website, can be populated from same input as businessWebsite.
merchantAttributes array Array of (minimum one) object(s) that is required to submit the application form containing transaction and legal information.
highestTicket long Actual or estimated highest ticket price in USD.
faceToFace string Percentage of payments/transactions made face to face (can’t exceed 100%).
phoneOrEmail string Percentage of payments/transactions made by phone or email (can’t exceed 100%).
internet string Percentage of payments/transactions made on the internet (can’t exceed 100%).
stateOfIncorporation string State of incorporation in abbreviated format. i.e. for California send "CA".
taxFilingName string IRS tax filing name for the business. Needs to be validated against employeeIdentificationNumber using the POST TIN/Validate service.
foreignEntityOption string Indicates if the business can claim foreign status according to IRS regulations. Possible values: "Y" or "N".
tinRequestedGuid string Universal ID for the request of the POST TIN/Validate service.
dbaName string DBA name.
legalName string Legal business name.
employeeIdentificationNumber string A Taxpayer Identification Number (TIN) is an identification number used by the Internal Revenue Service (IRS). Needs to be validated against taxFilingName using the POST TIN/Validate service.
yearsInBusiness string Number of years in business.
yearsAtLocation string Number of years the business has been operating at the current location.
organizationType string Organization type represented by an abbreviated code. See possible values here.
bankInformation array Array of (minimum one) object(s) that collects the ACH information.
instName string Financial institution name such as JPMORGAN CHASE BANK, etc.
abaNumber string ABA routing transit number. A nine digit code to identify a financial institution. Needs to be validated using the POST Banks/Validate service.
accountNumber string Checking account number. Usually 10-12 digit number to identify the merchant’s account.
ordinal long default to 2
ownerInformation array Array of (minimum one) object(s) to collect information about the owner(s) of the business. Contains firstName, lastName, ssn, dateOfBirth, title, homeContactId and taxId.
lastName string Owner’s last name.
firstName string Owner’s first name.
ssn string Owner’s Social Security Number in “#########” format.
dateOfBirth string Owner’s date of birth in “YYYY-MM-DD” format.
title string Owner’s title in the organization.
homeContactId string Default to "111".
taxId string Use value for ssn.

Response

The endpoint returns an object containing an integer which serves as the confirmation for the submission.

Parameter Data Type Description
orderId string Order Id. The numeric identifier to be used in the onboarding process as input to reference the order.

GET agreementForOwner

data = {}

endpoint = "/marketplace/v1/merchantorders/canada/:orderId/agreement/:ownerId"

r = requests.post(url + endpoint, json=data, headers=headers)
print(r)
ENDPOINT="$URL/marketplace/v1/merchantorders/canada/:orderId/agreement/:ownerId"
curl -X POST -H "date: $DATE" -H "Authorization: $HMAC_AUTH" -H "Content-Type:application/json" --data '{
}' $ENDPOINT
var options = {
  method: 'POST',
  url: url + '/marketplace/v1/merchantorders/canada/:orderId/agreement/:ownerId',
  headers: getAuthenticationHeaders(),
  body: {},
  json: true
};

request(options, function (error, response, body) {
  if (error) throw new Error(error);
  console.log(response);
});
// Don't forget to add your HMAC Authorization Headers
try {
  String jsonString = "{\n" 
   "}\n"

  StringEntity payload = new StringEntity(jsonString);

  HttpResponse response = doPost("/marketplace/v1/merchantorders/canada/:orderId/agreement/:ownerId", payload);
  int statusCode = response.getStatusLine().getStatusCode();
  String response_string = EntityUtils.toString(response.getEntity());
  JSONArray json = new JSONArray(response_string);  
  System.out.println("json:" + json.toString());

} catch (Exception e) {
  e.printStackTrace();
}

<?php
# Don't forget to add your HMAC Authorization Headers

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url . "/marketplace/v1/merchantorders/canada/:orderId/agreement/:ownerId");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
$res = curl_exec($ch);
echo($res);

?>

The above command returns JSON structured like this:

{
    "Components": [
        {
            "label": "MPA_VERSION",
            "value": "RSAWTZB(SNAP)2002",
            "valueType": "TEXT",
            "sortOrder": 0
        },
        {
            "label": "CONFIRMATION_VERSION",
            "value": "RSAWT(SNAP)1905",
            "valueType": "TEXT",
            "sortOrder": 0
        },
        {
            "label": "FEE_SCHEDULE_TEXT",
            "value": "<p>&nbsp;In addition to the fees described here, you must pay us all Pass Through Fees.  Pass Through Fees are fees imposed by the Payment Card Networks that we pass through to you as is.  Pass Through fees are subject to change from time to time as the sole discretion of the Payment Card Networks.  As such, you agree to pay all Payment Card Network interchange fees, assessment fees, and any other fees and charges imposed by the Payment Card Networks such as, but not limited to, Visa Canada, Mastercard Canada, Interac, Discover and Amex, and applied to payment card transactions from time to time (the “Pass Through Fees”).  You agree that you are responsible for the full amount of any increase imposed by the Payment Card Networks on any of the Pass Through Fees applied to payment cards you accept.  For details, please refer to <a href=\"http://www.firstdata.com/pass-through-fees\" target=\"_self\">www.firstdata.com/pass-through-fees</a>&nbsp;&nbsp;</p>\n",
            "title": "Fee Schedule",
            "valueType": "HTML",
            "sortOrder": 0
        },
        {
            "label": "AMEX_ACCEPTANCE_AGREEMENT",
            "value": "<p>Acceptance of the American Express Card also includes acceptance of the JCB Card.</p>\n",
            "valueType": "MPA",
            "sortOrder": 0
        },
        {
            "label": "EQUIPMENT_LEASE_VERBOSE",
            "value": "<p>See Equipment Lease Agreement for the Terms and Conditions governing your Leased equipment.</p>\n",
            "valueType": "EQUIPMENT_LEASE",
            "sortOrder": 0
        },
        {
            "label": "OWNER_CONSENT",
            "value": "<p>Principals must jointly or otherwise represent at least 51% ownership in the business.</p>\n",
            "valueType": "HTML",
            "sortOrder": 1
        },
        {
            "label": "FEE_CONSENT",
            "value": "<p>As part of our commitment to the Code of Conduct, we have prepared this Fee Disclosure showing the processing cost for each common Canadian issued payment type processed on your behalf based on the processing method used. The single rate disclosed is the sum of your Discount Rate, iPlus Fee, Network Assessment Fee, Card Brand Fee, Billback/Interchange Differential amount (if applicable), and the Non-Qualification Surcharge (if applicable).</p>\n<p>If language = English - <ins>http://response.firstdata.com/Canada_Fee_Disclosure_FAQ </ins></p>\n<p>If language = French - <ins>http://response.firstdata.com/Canada_FR_Fee_Disclosure_FAQ</ins><br></p>\n<p>Call our customer service center at 1-888-263-1938 to discuss the Fee Disclosure summary should you have any questions.</p>\n",
            "valueType": "HTML",
            "sortOrder": 1
        },
        {
            "label": "BUSINESS_CONSENT",
            "value": "<p>*By providing your email address, you consent to receive information to your email about special promotions and new product updates. You can withdraw your consent any time. The collection, use and disclosure of your email address are governed by the terms of the Privacy Policy.gkjgkgk</p>\n",
            "valueType": "HTML",
            "sortOrder": 2
        },
        {
            "label": "AGREEMENT_APPROVAL",
            "value": "<p>&nbsp;<span style=\"color: black;\">On the date we approve your Merchant Processing Agreement (the “Effective Date”), you agree to be bound by the provisions of this Agreement and the </span>Merchant<br>Terms <span style=\"color: black;\">and Conditions (collectively, your \"Agreement\"). </span> By signing using an electronic signature process, you acknowledge that the signature reflects your agreement to be bound by the terms and conditions of this Merchant Processing Agreement.&nbsp;&nbsp;</p>\n<p>&nbsp;<span style=\"color: black;\">In the event that your Agreement is terminated prior to the end of the current term, you will be responsible to our affiliate for the Equipment fair market value and</span> <span style=\"color: black;\">all</span><br><span style=\"color: black;\">remaining lease payments, per location (if applicable). </span> <span style=\"color: black;\">We will assess an early termination fee of $500 penalty per location as set forth in Article V of the </span>Merchant <span style=\"color: black;\">Terms and Conditions. If we terminate your Agreement for fraud, in addition to any applicable Equipment financing and early termination fees, you will also be charged a</span> <span style=\"color: black;\">security review fee of $600 for each of your locations. The parties agree that the Initial term of this agreement shall begin on the Effective Date and continue in</span> <span style=\"color: black;\">full force for the term of four years.</span>&nbsp;</p>\n<p><span style=\"color: black;font-family: Calibri, sans-serif;\">All fees</span> <span style=\"color: black;font-family: Calibri, sans-serif;\">set out in your Agreement will be charged in the month we approve your request for services for each location.</span>&nbsp;</p>\n<p>&nbsp;<span style=\"color: black;\">If you indicate that you wish to accept card types not supported by us, you agree to allow us or our representative to contact the Association(s) in order to</span> <span style=\"color: black;\">complete the</span><br><span style=\"color: black;\">appropriate application(s). It is our policy to obtain and validate certain information (including birthdates and other personal identification provided)</span> <span style=\"color: black;\">in order to verify you and your principals’ identities, including matching records or credit information, while </span>processing your application <span style=\"color: black;\">and periodically, during the</span> <span style=\"color: black;\">term of your Agreement.</span>&nbsp;</p>\n<p>&nbsp;<span style=\"color: black;\">You acknowledge that we outsource various services we provide in connection with our Services to affiliates and other service providers outside of Canada. As</span> <span style=\"color: black;\">such, your Personal Information obtained in connection with your Agreement may be transferred by us or our affiliates to agents and service providers outside</span> <span style=\"color: black;\">of Canada for the</span><br><span style=\"color: black;\">purposes set out in the “Confidentiality” section of </span>your Merchant <span style=\"color: black;\">Terms and Conditions and your Personal Information may be processed outside of Canada and</span> <span style=\"color: black;\">accordingly, subject to the legal requirements applicable in such foreign jurisdictions. Our ability to offer the Services and perform our obligations under your</span> <span style=\"color: black;\">Agreement will depend on the ability of our affiliates and service providers to perform the Services which will, in turn, be subject to the laws of the foreign</span> <span style=\"color: black;\">jurisdiction where those affiliates or service providers are located.</span>&nbsp;</p>\n<p>&nbsp;<span style=\"color: black;\">Each person whose information is on this </span>Agreement <span style=\"color: black;\">consents to allow us to obtain credit, financial and related personal or business information</span> <span style=\"color: black;\">(including a credit information report) about them from any credit bureau or credit reporting agency in connection with the Agreement, and</span> <span style=\"color: black;\">further consents to the collection, use and disclosure of Personal Information as described in the “Confidentiality” section of the Agreement</span> <span style=\"color: black;\">and in the First Data “Privacy Principles” document available at the website address:</span> <a href=\"http://www.firstdata.com/en_ca/home.html\" target=\"_self\">www.firstdata.com/en_ca/home.html</a> <span style=\"color: black;\">or toll free at 1-888-263-1938.</span>&nbsp;</p>\n<p>&nbsp;<span style=\"color: black;\">The parties hereby confirm their express wish that any documents and notices related thereto be drawn up in English and declare themselves</span> <span style=\"color: black;\">to be satisfied therewith, the whole, however, without prejudice to any documents which may from time to time be drawn up in French and</span> <span style=\"color: black;\">English. Par les présentes, les parties confirment</span><br><span style=\"color: black;\">qu’elles souhaitent expressément que cette convention et tous les documents et avis</span> <span style=\"color: black;\">connexe soient rédigés en anglais; elles s’en déclarent satisfaites sans préjudice,</span><br><span style=\"color: black;\">toutefois, à tout document ou avis qui pourrait, de temps</span> <span style=\"color: black;\">à autre, être rédigé à lafois en français et en anglais.</span>&nbsp;</p>\n",
            "title": "Agreement Approval",
            "valueType": "AGREEMENT",
            "sortOrder": 10
        },
        {
            "label": "PERSONAL_GUARANTY",
            "value": "In consideration of First Data Ltd. and its affiliates (collectively, the “Creditors”) acceptance of the Agreement, each of the undersigned unconditionally and irrevocably guarantees, jointly and severally, and for Quebec purposes, solidarily, forthwith u",
            "title": "Personal Guaranty",
            "valueType": "AGREEMENT",
            "sortOrder": 20
        },
        {
            "label": "GENERAL_TERMS",
            "value": "<p style=\"text-align:justify;\"><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Preface</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">Thank you for selecting First Data Canada Ltd. (“First Data”) for your payment processing needs along with our sponsor bank Wells Fargo Bank, N.A., Canadian Branch (the “Bank”) (collectively the “Servicers”). In these terms and conditions, unless otherwise specified, the terms “we,” “us,” or “our” refer to the Servicers, and the terms “you” or “your” refers to you, the merchant, the entity that executed the Merchant Processing Agreement.  First Data offers a comprehensive suite of services allowing merchants to: (1) select the types of payment cards they wish to accept; (2) choose from several point-of-sale (or POS) equipment and financing options; and (3) add telephone/mail order, Internet and other emerging payment choices. Upon accepting the services that we have agreed to provide, you agree to be bound by these terms and conditions of this Agreement.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Introduction</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">The Bank has relationships with Visa Canada Corporation and its affiliate Visa U.S.A. Inc. (collectively “Visa”), and Mastercard, International Inc. (“Mastercard”). First Data or its affiliates has the relationship with Interac (“Interac”) and other applicable companies, which enables First Data to offer merchants a suite of payment services in one, comprehensive agreement. First Data continues to develop and enhance our payment services and marketing channels. You may, from time to time, be contacted by independent companies who have contracted with us to market the payment services set forth in your Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">The Bank, IS the member of Visa and Mastercard, is a licensee of the Card Organizations permitting it to acquire Visa and Mastercard transactions and has sponsored First Data with the Card Organizations as a “Member Services Provider” (as defined in the Card Organization Rules). Accordingly, First Data shall perform certain functions in connection with authorization, processing and settlement for you hereunder. As between themselves, the respective rights and obligations of First Data and Bank shall be governed by the agreements between them and/or their parent entities and the Card Organization Rules. You acknowledge that, notwithstanding anything contained in any or all of this Agreement (which includes the Annex(es), Operating Guide, attachment(s), schedule(s) or supplement(s) referred to herein or amendments to any of the aforesaid) to the contrary, the Bank’s obligations hereunder shall be limited to the sponsorship and settlement of certain Card transactions submitted in accordance with the terms and conditions of this Agreement and the Card Organization Rules, and the Bank shall not have any obligation or liability of any nature in connection with any related services or any services of any kind provided by First Data or its affiliates provided hereunder or pursuant hereto.</span>&nbsp;</p>\n<h4 style=\"text-align:justify;\"><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE I. Relationship Administration</span></h4>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>1. Exclusive Provider.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that during the initial and any subsequent renewal terms of your Agreement, you will use First Data as your exclusive provider for authorization, processing and settlement of card transactions undertaken in all of your location(s) in Canada, and all other activities necessary for us to perform the functions specified in the Agreement (collectively, the “Services”). Subject to the Card Organization Rules (as defined in section 3), the Services may be performed by our affiliates and/or service providers. In addition, one or more of our affiliates and/or service providers will assist in providing terminals or other equipment, terminal financing and local support functions in connection with the Agreement.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2. Payment Account Requirements.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree to establish three accounts to enable us to provide the Services to you: (i) your Current Account, as defined in section 2.1, will be where we transfer your Settlement Funds, as defined in section 2.7; (ii) your Settlement Fund Account, as defined in section 2.7, will be where we maintain your Settlement Funds, prior to transferring them to your Current Account; and (iii) your Reserve Account, which you agree to fund, all as described below in section 2.10.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.1. Current Account.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree to establish an account at a financial institution of your choosing, to be debited and credited by us for: (i) provisional funding of your card transactions; (ii) your Merchant Processing Rate, as defined in section 20; (iii) your Chargebacks, as defined in section 11; and (iv) any other charges, fines, fees, penalties, payment of current or past due amounts for equipment lease, rental or purchase, Card Organizations fees, costs arising from replacement or damage to equipment, and other amounts due in connection with an Event of Default, as defined in section 25.3, or other charges assessed by us, the Card Organizations, network operators and others as pertains to this Agreement (your “Current Account”). Establishing your Current Account requires that you provide us with a cancelled cheque (or letter from your financial institution) and take all steps required by your financial institution to allow us to debit /credit your Current Account on a recurring basis, for the purposes set forth below (the “Authorization”), including consenting to the disclosure of any relevant information contained in your Agreement for purposes of obtaining the Authorization.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.2. Pre-Authorization.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">Your financial institution’s treatment of each debit shall be the same as if you had issued a cheque authorizing it to pay as indicated and to debit the amount specified to your Current Account. You confirm that this means, your financial institution is not required to verify that a pre-authorized debit has been issued in accordance with your instructions or that some pre-condition to payment has been met or satisfied.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.3. Card Organizations.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that if any payment is dishonoured by your financial institution, for any reason, we shall issue another debit in substitution for the dishonoured debit until such debit is honoured. You acknowledge that this authorization to debit/credit your Current Account is provided for our benefit and your financial institution and is provided in consideration of your financial institution agreeing to process debits against your Current Account in accordance with the rules of the Card Organizations. You will be charged a fee for each credit and debit, which cannot be processed (an “NSF Fee” as described on your Form), and all subsequent funding may be suspended until you notify First Data that credits and debits can be processed or you provide a new Authorization (from your then current financial institution). Your financial institution must be able to process and accept credits and debits electronically.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.4. Notice For Non-recurring Debits.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You waive the right to receive any notice, written or otherwise, from us of the amount to be debited and the date(s) on which such debits are to be processed, as well as notice of any and all future changes to the amounts or payment dates for regular recurring debits. However, for debits other than regular recurring debits and/or one- time payments owing in connection with this Agreement, we will obtain your authorization prior to initiating any such debit.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.5. Authorization Revocation.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You may cancel your Authorization at any time by providing written notice to First Data, which shall be effective five business days [a day, other than Saturday or Sunday, on which banks in Ontario are generally open for business (a “Business Day”)] after receipt. To obtain a sample cancellation form, or for more information on the right to cancel this Authorization, you understand that you may contact your financial institution or visit www.cdnpay.ca. This Authorization applies only to the method of payment, however you agree that revocation of this Authorization is considered an Event of Default as set forth in section 25.3. This Authorization may be discontinued by us at any time and without notice to you. You confirm that the debits authorized hereunder are for business purposes.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.6. Merchant Recourse.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You can contact us at the address or phone number below, to make inquiries, obtain information or seek any recourse rights. You understand that you have recourse rights if any debit does not comply with this Authorization. For example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with this Authorization. To obtain more information on your recourse rights, contact your financial institution or visit www.cdnpay.ca.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.7. Settlement Funds.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">Subject to our rights under this Agreement, all settlement funds received from Card Organizations and owing to you pursuant to this Agreement (the “Settlement Funds”) will be held by us until transferred to your Current Account in accordance with Section 10 (the “Settlement Funds Account”). Such funds will not constitute a deposit with us, will bear no interest, charges or fees, nor will be eligible for insurance with Canada Deposit Insurance Corporation.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.8. Entitlement to Funds.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You are entitled to funds in your Settlement Funds Account, once we transfer them to your Current Account. As permitted by law, we may, from time to time combine, consolidate or merge any or all of your funds and other accounts; and set off, apply or transfer any and all such sums standing to satisfy any debt or liability that you owe us, including any debt or liability incurred to effect any required currency conversions.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.9. Settlement Funds Information and Service Providers.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">The Servicers may record or store information related to your Settlement Funds and Settlement Funds Account in any form or by any means as we see fit and are under no obligation to retain original documents, instruments or vouchers other than those belonging to you, which you have entrusted to us pursuant to the provisions of the Services contemplated in your Agreement. We may use services provided by an electronic data processing service bureau/organization in connection with keeping any Settlement Funds Account or Reserve Account.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.10. Reserve Account.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You understand that we may require you to establish a reserve account based upon you committing an Event of Default or upon receipt of your notice of termination of this Agreement (the “Reserve Account”). You understand that the amount you will be required to fund in this Reserve Account will be determined based on factors such as: (i) the amounts of previous settlements, Chargebacks, assessments and fines/ penalties; (ii) the frequency and amounts of credits and adjustments; (iii) the value of any goods and /or services billed in advance of fulfillment; and (iv) the amount of any fees or discounts due along with any current or anticipated Card Organizations fees or fines. Upon receipt of notice from us, you agree to fund the Reserve Account as set forth in your notice; except, in instances of an Event of Default, you agree to fully fund said Reserve Account immediately. You agree to fund the Reserve Account through any combination of: (i) debits to your Settlement Funds Account and Current Account (and any other accounts held by us or our affiliates); (ii) deductions or off sets to any payments otherwise due to you; or (iii) your delivery to us of a letter of credit, issued or established by a financial institution acceptable to us. In the event you fail to fund the Reserve Account, we may fund it as set forth in subsections (i) and (ii) above. If funds in your Reserve Account are not sufficient to cover Chargebacks, adjustments, Merchant Processing Rate and other charges due from you, or if we have released funds in your Reserve Account, you agree to promptly pay us such sums upon request. In the event of termination of this Agreement, you agree to immediately establish a Reserve Account which will be held by the Bank for the greater of 10 months after termination of your Agreement or for such longer period of time consistent with our liability for card transactions in accordance with the Card Organization Rules, defined in section 3. Amounts maintained in the Reserve Account may bear interest. We may, to the extent permitted by law and without notice, from time to time, set off, apply or transfer any and all sums standing to the credit of the Reserve Account in or towards the satisfaction of any indebtedness or liability you may incur to us under your Agreement.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.11. Reserve Account Security.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You irrevocably grant us a lien and security in and to any of your funds in the Reserve Account that we may require that you establish and fund as otherwise set forth in your Agreement. To this end, in addition to any rights now or hereafter granted under applicable law and not by way of limitation of any such rights, we are hereby authorized by you, at any time, and from time to time, without demand, but upon written notice to you, or to any other person (any such demand being hereby expressly waived), to set off and to appropriate and to apply any and all such funds against and on account of your obligations to us and our affiliates under your Agreement, whether such obligations are liquidated, unliquidated, fixed, contingent, matured or unmatured.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>2.12. Special Reserve Account Levels.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that upon notice of your intent to terminate your Agreement, from the date of your termination notice through the actual date of termination and thereafter, you will maintain at a minimum, an amount equal to the sum of: (i) the total dollar amount of your Chargebacks; (ii) any reserves or letters of credit that you have on deposit with us; and (iii) our Merchant Processing Rate during the previous six months of the date of your termination notice, with such amounts to be held in your Reserve Account in accordance with your Agreement.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>3. Card Organization Rules.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">The parties to this Agreement acknowledge that they agree to be bound by all applicable operating rules and regulations (the “Card Organization Rules”) of Visa (https://usa.visa.com), MasterCard (https://www.mastercard.us/en-us.html), Discover Rules and Regulations (see ARTICLE VII), Interac Rules (see ARTICLE VIII), any other payment card organization that is applicable to this Agreement (collectively, the “Card Organizations”) and including the Payment Card Industry Data Security Standards (“PCI DSS”) (www.pcisecuritystandards.org/) and any Card Organizations, network, or government agency rules related to the protection of consumer and transaction information security. The parties also acknowledge that the Card Organizations publish and make available their Card Organization Rules, bulletins, alerts and directives and agree that it is each party’s sole responsibility to review and comply with any such publications as may be applicable to them for compliance with the Card Organization Rules and this Agreement.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>3.1. Merchant Use of Card Organizations and Our Marks.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You acknowledge that you are familiar with the names, logos, symbols and trade- marks (collectively, the “Marks”) as published by us and the Card Organizations and agree that you will prominently display standard decals, signs, service marks and other promotional materials as required by us and the Card Organizations. You agree not to alter any Marks, display one Card Organizations’ Mark more prominently, indicate that any Card Organization endorses your products or services or violate any other Rule or our requirements related to the use and display of any Mark.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>3.2. Cardholder Documentation.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that you will only process (including imprinting, transmitting or depositing proceeds from) transactions for your own goods and services. You will ensure that every transaction receipt (or other evidence of Cardholder indebtedness) accurately describes the goods or services sold and delivered.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>3.3. Delivery of Goods and Services.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that you will not process transactions related to your goods and services that you do not provide to the Cardholder at the point-of-sale (“Prepayment Transactions”) unless we have provided you with written consent to process such transactions. You agree to formally notify First Data (via the channels identified in section 24) and request approval from us, at least 60 days in advance of your intention to conduct Prepayment Transactions.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\"><strong>3.4. PCI Data Security.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree that you, your employees, agents, representatives, subcontractors, providers of point-of-sale solutions or systems or equipment, and any other party to whom you may provide access to payment card data will comply with PCI security standards at all times.</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">At a minimum, you agree to:</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">) install and maintain a secure network firewall to protect payment card data (“data”) across public networks.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">ii) encrypt stored data and data sent across networks.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">iii) use and regularly update anti-virus software and keep security patches up-to-date.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">iv) restrict access to data by business “need to know,” assign a unique ID to each person with computer access to data and track access to data by unique ID.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">v) Not to use vendor-supplied defaults for system passwords and other security parameters.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">vi) regularly test security systems and processes.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">vii) maintain a policy that addresses information security.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">viii) restrict physical access to payment card data.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">ix) not to store or retain Card Validation Codes (three-digit values printed in the signature panel of most payment cards, and a four digit code printed on the front of an American Express Card).</span>&nbsp;</p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">x) not to store or retain Magnetic Stripe data, PIN data or AVS data. Only Cardholder account number, Cardholder Name and Cardholder expiration date can be retained subsequent to transaction authorization.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">xi) to destroy or purge all Media containing obsolete transaction data with Cardholder information.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">xii) to keep all systems and Media containing Card account number, Cardholder or transaction information (whether physical or electronic) in a secure manner so as to prevent access by, or disclosure to any unauthorized party.</span></p>\n<p style=\"text-align:justify;\"><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: SimpleSansLight, Arial, sans-serif, Arial, sans-serif;\">You agree you may be subject to ongoing validation of your compliance with PCI security standards, and we retain the right to conduct an audit at your expense, performed by us or a third party designated by us to verify your compliance, or that of your agents or third party providers, with security procedures and the Agreement.</span>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to notify us as soon as reasonably practicable and in no event more than 24 hours after becoming aware of (i) any suspected or actual data security breach in any of your systems or databases used to conduct or in any way process payment card transactions or to store payment card data, including websites or electronic links used to conduct payment card transactions, and (ii) any noncompliance by you with the PCI security standards. Such breaches shall include third party incursions that could in any way result in access to payment card transaction information, payment card account information or Cardholder information.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You must, at your own expense (i) perform or cause to be performed an independent investigation (including a forensics analysis) of any data security breach of Card or transaction data, (ii) perform or cause to be performed any remedial actions recommended by any such investigation, and (iii) cooperate with us in the investigation and resolution of any security breach.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4. Confidentiality. </strong>The parties agree that, unless they obtain consent from the other party, each applicable Card Organization, the Cardholder and the issuer of the Cardholder’s payment card, they will not use, disclose, sell, or disseminate any payment card information obtained in connection with a payment card transaction except for purposes of authorizing, completing and settling card transactions and resolving Chargebacks, retrieval requests or similar issues involving card transactions, other than as may be required for a court or governmental agency request, subpoena or order. Neither party will obtain ownership rights in any information relating to and derived from card transactions except as set forth in the Card Organizations Rules. The parties also agree not to hold each other liable for any disclosure of confidential information made pursuant to the terms of this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4.1 Protecting Cardholder Information. </strong>Personal information means information about an identifiable individual as defined and limited by the Personal Information Protection and Electronic Documents Act (“PIPEDA” Canada) or similar, applicable provincial privacy regulation (“Personal Information”). Payment card information is considered Personal Information. You agree that you will not compile lists of payment card information or transaction information. You also agree to secure all Personal Information, including transaction receipts, contracts, rental / lease agreements and warranty information. The parties agree that securing Personal Information includes limiting access to select personnel (required for compliance with your obligations under this Agreement) and destroying such Personal Information in a manner that ensures that it is not readable, when no longer required for purposes of compliance with your Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4.2 Collection, Use and Disclosure of Personal Information. </strong>You (and if necessary, each principal, guarantor or other individuals that have signed your Form) agree and consent to the fact that we may, from time to time, use your credit, financial and related Personal Information provided in connection with this Agreement and any update, renewal or extension of same for the following purposes: (i) evaluate current and ongoing credit worthiness; (ii) evaluate your eligibility for the Services and establish, administer, service, and collect in respect of the Services and enforce provisions of your Agreement; (iii) to share personal and credit information with and collect such information from our affiliates, agents, representatives, credit reporting agencies, businesses and financial institutions pursuant to the provision of the Services contemplated in your Agreement; (iv) to verify your identity including matching records or credit information; (v) to share Personal Information in connection with your Authorization, POS equipment (the “Equipment”) sale /rental / lease, automatic debit process and with third parties to register a security interest as contemplated in  your Agreement; (vi) for detecting and preventing fraud and complying with anti-money laundering and terrorist financing regulations, including checking your identity against watch lists established by regulatory agencies or similar bodies in Canada and foreign countries; (vii) for evaluating the performance of our merchant portfolio; (viii) to allow our service providers to collect, use, store or process Personal Information on our behalf; (ix) to meet legal, regulatory, audit, processing and security requirements; or (x) from time to time, to determine your eligibility for and occasionally to communicate with you regarding additional products, services or business opportunities (you may withdraw consent for this purpose by contacting us at 1-888-263-1938). We may otherwise collect, use and disclose Personal Information as permitted or required by law. You also authorize us to obtain financial and credit information relating to you, from credit reporting agencies, businesses and financial  institutions with which you make arrangements with, and references you have provided, in connection with our decision to provide the Services and monitor your financial and credit status. Additionally, you agree to authorize us to share information concerning your business with any of our agents and/or affiliates and applicable Card Organization, Card Organization members and credit reporting and debt recovery agencies in connection with the performance of the Services set forth in your Agreement. You understand that some of our affiliates or service providers may be located outside Canada, and  your Personal Information may be transferred or processed outside of Canada, subject to legal requirements applicable to us and our service providers or affiliates, including those requirements set forth by foreign jurisdictions. We may also use your (and each principal guarantor or other individuals that have signed your Form) business and Personal Information and disclose such information to parties connected with or involved in the proposed or actual financing, insuring, securitization, sale, assignment or other disposal of all or part of our respective businesses or assets (including, for example, your Agreement, accounts or amounts owing to us) for the purposes relating to the evaluation and/or performance of these transactions. Successors and assignees of our business or assets may collect, use and disclose your business or Personal Information as described in this section.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4.3 Authorization to Obtain Personal Information. </strong>You warrant that you have the necessary consent of your principals, guarantors and other individuals whose Personal Information we have obtained in connection with this Agreement for the purposes described above. For further information about First Data’s Personal Information practices, you may obtain a copy of First Data’s “Privacy Principles” available at the website address www.firstdata.com/canada and/or toll-free at 1- 888-263-1938. The consents contained in your Agreement will be valid for so long as required to fulfill the purposes described above. Authorized employees and agents of ours, that require access to your Personal Information will have access to your file, which will be accessible through our affiliates’ merchant services facilities in the United States. If you wish to access or make corrections to your Personal Information in our possession, you may notify First Data as set forth in section 24.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4.4 Third Party Arrangements. Subject to the Card Organization Rules, </strong>the parties agree that if they make arrangements with a third party to collect, process or store Personal Information (including names, account numbers, Social Insurance Numbers, addresses, telephone numbers or birth- days), each party is solely responsible for ensuring such third party complies with Card Organizations, PCI DSS, network and our requirements related to Personal Information, including payment card and transaction information, confidentiality and security. The parties also agree that any third party arrangement will be documented with a written and executed contract, which includes obligations substantially similar to the ones in your Agreement regarding confidentiality, information security and PCI DSS. You further agree to provide our representatives reasonable access to your facilities and records for the purpose of performing any reasonable inspection and/or copying of your books and records.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>5. Facility and Infrastructure. </strong>You acknowledge and agree that you are solely responsible for the implementation, maintenance and security of your locations, the Equipment used in processing transactions under this Agreement, communication lines, power supply services and all other facility and infrastructure costs.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>6. Merchant Employee Responsibilities. </strong>You agree to ensure that all Equipment is monitored during and closed/turned off after business hours to minimize the risk of unauthorized use. You agree to develop security procedures and train your employees on them. Security procedures will include your use of employee shift logs (maintained for a minimum of 12 months), and directions/conditions for contacting us in the event your employees suspect that your Equipment has been lost, stolen or tampered with.</span></p>\n<p></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE II. Card Transactions</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">The following sections summarize the procedures required for you to accept credit and debit cards issued by Visa, Mastercard, Interac, and any other Card Organization payment cards that you accept for payment of your goods and services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>7</strong>. <strong>Card Identification.</strong> Legitimate Card Organizations payment cards have unique visual characteristics, account numbers and anti- fraud/counterfeit measures that you agree to become familiar with. You agree to train all your employees on procedures for examining and identifying questionable payment cards. You are responsible for reviewing Card Organizations’ materials published for merchants and familiarizing your employees on characteristics of legitimate cards and strategies used when presenting fraudulent or counterfeit cards. The following are general guidelines for identifying each Card Organ- izations’ cards. We do not warrant the accuracy or completeness of these guidelines and you agree that the Card Organizations materials are the only current and comprehensive guide.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>7.1</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Mastercard Credit and Debit.</strong> Mastercard cards will display the Mastercard logo (two interlocking circles) on the front of the card. The 3-dimensional hologram of the globe will appear on the front or back  of all Mastercard cards. Mastercard account numbers may be sixteen digits long and will begin with the number five (5) or number two (2).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>7.2</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Visa Credit and Debit.</strong> Visa cards have the Visa brand mark on the top left, top right or bottom right side of the card. The 3-dimensional hologram of the Visa Dove can appear anywhere on the front of the card. Visa account numbers may be sixteen digits long and always begin with the number four (4). The first four digits of the account number must be identical to and printed on the card directly below the embossed number.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>7.3</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Debit.</strong> Interact (and other) Card Organizations debit cards are cards issued by Canadian financial institutions enabling customers to pay for goods and services by debiting money directly from their account(s) using the Equipment with personal identification number (“PIN”) verification. To complete debit transactions, you agree to: (i) enter transaction information into the Equipment; (ii) verify the amount of the transaction and ask the Cardholder to enter his/ her PIN (without assistance), using a PIN pad; (iii) act on the instructions displayed by the terminal (an authorization number, a decline, a message to “try again” or similar instructions); and (iv) provide Cardholder with a transaction record, regardless of whether the transaction was approved or declined.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8</strong>. <strong>Card Acceptance and Authorization.</strong> You agree to accept credit and debit cards issued by members of the Card Organizations identified on your Form. When a Cardholder or authorized user presents a credit or debit card for payment, you agree that you will perform the following tasks:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.1</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Fair Acceptance. </strong>You agree to: (i) sell your goods and/or services at the ticketed or posted price; (ii) not impose fees or special conditions not required or allowed by the Card Organizations Rules (including minimum or maximum transaction amounts); and (iii) not offer a discount unless clearly disclosed as a discount from the price available for all other means of payment.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.2</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Card Examination. </strong>You agree to swipe or imprint the card, or where applicable, insert the chip card into a chip card reader or tap their card/phone/contactless form factor on the contactless reader, only to allow Cardholders to purchase your goods and/or services. You agree to: (i) inspect the card signature panel for signs of tampering or alteration (not applicable to chip and contactless transactions); (ii) verify that the signature on the card matches the transaction record (not applicable to chip and contactless transactions); (iii) not require Cardholders to supply Personal Information (e.g., home/ business address or driver license number) as a condition for completing the transaction, unless instructed during the authorization process; (iv) not allow an individual, who is not the Cardholder, to use the card for purchases; and (v) not allow the use of a card to submit a transaction to refinance or transfer a previous debt or to pay for a dishonored cheque.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.3</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Transaction Authorization.</strong> You agree to obtain an authorization approval code (“AA Code”) for all transactions. You agree that failure to obtain an AA Code for a sales transaction may result in a Chargeback and/or the termination of your Agreement. AA Codes can be obtained through your Equipment, the voice response unit (“VRU”) or the interactive voice response (“IVR”) system. Any fees that may be related to authorizations will be charged as a “Request for Authorization Approval Code,” whether or not the transaction is approved. You understand that an AA Code only indicates the availability of credit on an account at the time the authorization is requested and does not warrant that the person presenting the card is the rightful Cardholder, nor is it a promise or guarantee that you will not be subject to a Chargeback or debit.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.4</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Transaction Referral.</strong> You agree that if you receive a referral response to an attempted authorization, you will not attempt another authori- zation on the same card through your Equipment. You further agree that you are responsible for all Card Organizations assessed fines, fees or termination of your Agreement for actions related (but not limited) to: (i) failure to obtain an AA Code; (ii) submitting a transaction after receiving a decline (even if a subsequent Authorization attempt results in an AA Code); or (iii) attempting to submit multiple /partial transactions or multiple-authorizations and transaction(s).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.5</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Manual Card Acceptance. </strong>If accepting card transactions manually or your Equipment is unable to read a card that you swipe or you do not have chip card enabled Equipment, you agree that you will obtain authorization from us for every purchase that exceeds your merchant floor limit (which we will provide you from time to time), using transaction forms supplied or approved by us. You understand that unembossed cards cannot be authorized manually and if accepted for payment, expose you to a higher risk of Chargeback liability. You agree that, if you choose to process card transactions manually, you must: (i) imprint the embossed information from the card and the merchant plate (your name and merchant number) onto the transaction record; (ii) verify that the signature on the transaction record matches the signature on the back of the card; (iii) provide a transaction record to the Cardholder; (iv) keep a copy of the transaction record for a minimum of 18 months (longer if required by local regulations); and (v) issue credit vouchers for refunds (if Cardholder is entitled) where the original purchase was made with a card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.6</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Issuing Credit Vouchers. </strong>You agree that you are responsible for issuing credit vouchers to cover any refund, price adjustment or other money adjustment due to the Cardholder (other than any involuntary refund required by applicable law). You further agree that you: (i) will not return cash if a card was used in the original purchase; (ii) will process each refund or adjustment as specified in the applicable Card Organization Rules; (iii) may establish a policy limiting refunds or acceptance of returned goods, provided that it follows the refund/return procedures established by each Card Organization including the proper disclosure of such policy; and (iv) will not accept money from a Cardholder to effect a deposit to the Cardholder’s account.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8.7</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Suspect Transactions.</strong> If the appearance of the card being presented or the behaviour of the person presenting it is suspicious in nature, you agree to immediately call the voice authorization centre (1- 800-370- 0466) and ask to speak to a code 10 operator for a “Code 10 Authorization.” You agree to answer all questions and follow operator’s instructions. If you swipe cards, you agree to confirm that the account number displayed on the Equipment and transaction record matches the number on the card. You agree that if the numbers do not match, you will not accept the Card for payment, EVEN THOUGH AUTHORIZATION CODE FOR THE MAGNETICALLY SWIPED CARD NUMBER MAY BE RECEIVED.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Submission/Deposit of Card Transactions.</strong> You agree that you shall present for payment only valid charges that arise from transactions between you and bona fide Cardholders. You agree to enter each sales transaction into your Equipment (unless your Equipment is not working), conduct, at least once a day, an end-of-day balance of the sales transactions for each piece of Equipment and electronically deliver transaction records for all Card trans- actions, to be processed and settled, prior to the deadlines which you will be advised of from time to time. Failure to do so may result in non-compliance fines.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>10.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Transaction Settlement.</strong> You understand that we will only settle your transactions as specified in your operating procedures guide (the “Operating Guide” also referred to as Your Payment Acceptance Guide), which is provided as part of your First Data welcome kit. After presentment of your transactions, we will initiate an electronic funds transfer of applicable Settlement Funds from your Settlement Funds Account, to your Current Account. You understand and agree that while settlement will generally occur within two to three Business Days after the Business Day that you presented the transaction, we will not be liable for any delays in receipt of funds or errors in debit and credit entries caused by third parties, including any Card Organization or financial institution, but excluding our service providers and affiliates.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>10.1</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Settlement Calculation.</strong> You agree that we will generally settle card transactions based on gross sales, less credits/refunds, adjustments, the applicable Merchant Processing Rate when due, Chargebacks and any other amounts that you owe us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>10.2</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Provisional Debit/Credit.</strong> You agree that all deposits, credits (and other payments) to your Settlement Funds Account and to your Current Account are subject to our final audit, Chargebacks and Card Organizations imposed assessments, fees and fines. You agree that we may debit/credit your Settlement Funds Account, Current Account and/or Reserve Accounts for any deficiencies, overages, fees, Merchant Processing Rate and pending Chargebacks and any pending Card Organizations assessments, fees and fines, including any pending PCI related fees, fines and/or assessments. We may elect to invoice you for any such amounts, net due 30 days after the invoice date or on such earlier date as may be specified.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>10.3 Merchant Receivables.</strong> Upon our payment of all amounts owed to you, in connection with the processing of a card transaction, you agree to assign to us (and grant us a security interest in) all of your rights, title and interest in and to the amounts or receivables owed from the applicable Card Organizations or network organization, and further agree that we have the sole right to receive payment under such receivables. You agree to represent and warrant that you have the only claim, demand, defense or set off against such receivable except as authorized in writing by us. You further represent and warrant that you have no knowledge, nor have received any information that would affect the collection of the amount involved from the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11.</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Transaction Chargebacks.</strong> A Chargeback is a disputed card trans- action that is returned to us by a card issuer. Upon notice of a dispute, you agree that it is your responsibility to resolve it directly with the Cardholder. If we receive a Chargeback notice, we will debit your Settlement Funds Account, Current Account, or Reserve Account for the amount of the Chargeback. In some cases, a card issuer may request a copy of the transaction record prior to initiating a Chargeback. We will forward these requests to you and deliver your response to the card issuer. You understand that you must respond to these requests within the time frames and manner stated. Due to the short time requirements imposed by the Card Organizations, your failure to timely respond will be communicated to the card issuer and may result in a Chargeback(s) as well as Card Organizations related costs or fees. You agree that comprehensive Chargeback procedures are published by each Card Organization and the following is intended to serve only as a general guideline for compliance:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11.1</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Document Request Procedures.</strong> To address a card issuer’s transaction record request, you should: (i) make a legible copy of the transaction record, centered on a letter size sheet of paper (one transaction record per page); (ii) write the case number on the copy; (iii) include copies of hotel folios, car rental agreements etc. that may be applicable to the disputed transaction; (iv) include a copy of the credit voucher, if applicable; and (v) fax or mail the copies to the number/address on the request. You understand that letters are not acceptable substitutes for transaction records. If the information you provide is both timely and, in our sole discretion, sufficient to warrant representment and/or reversal of the Chargeback, we will do so on your behalf. You understand that representment and/or reversal are contingent upon card issuer/Cardholder acceptance under the applicable Card Organization Rules.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11.2</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Chargeback Reasons.</strong> You understand that at the time of a transaction, if you do not follow proper procedures, the transaction may be subject to Chargeback. The following outlines the most common types of Chargebacks, categorized into seven broad groups:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(i) “Card Authorization Issues” including no account number verification, full authorization not obtained, expired card; (ii) “Cancellations and Returns” including credit not processed and cancellation of a recurring transaction; (iii) “Fraud” including counterfeit transaction, unauthorized or fictitious account number; (iv) “Non- Receipt of Goods and Services”; (v) “Processing Errors” including late presentment of a transaction record, incorrect account number, code or amount; (vi) “Quality of Goods and Services” including defective goods; and (vii) “Non-Receipt of Information” including the codes: “transaction document not received” or “document was illegible.”</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11.3</strong></span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Europay/Mastercard/Visa (“EMV”) Chip Card Compliance. </strong>You agree that if you choose not to upgrade to Equipment that has been certified EMV chip card compliant and enabled, you may be liable for payment of any transactions, submitted for Chargeback, by the applicable EMV chip card issuer(s), due to lost, stolen and never- received-issue fraud claims.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE III. Additional Services</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12. Mail, Telephone and Internet (“e-Commerce”) Order Services. </strong>You agree that you will obtain prior express consent (including any requests to accept payment in currency other than Canadian dollars from us before providing telephone, mail and e-Commerce (collectively, “Card Not Present” or “CNP”) services to Cardholders. We will review your request on your Form, and notify you of our decision. You may only engage in CNP orders provided they do not exceed the percentage of your CNP transaction volume as set forth on your Form. You agree that failure to adhere to this requirement may result in termination of your Agreement. You agree that you must register as a merchant conducting Internet transactions and obtain special “Electronic Commerce Indicator” code, to be added to your authorization and settlement records, before conducting e-Commerce transactions. You understand that failure to complete this registration can result in Card Organizations imposed fines and penalties.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.1 CNP Chargeback Risk. </strong>You understand that CNP transactions have substantially higher risk of Chargeback, since there is no electronic/ imprinted card presentment record or signed transaction record, and you assume all risk associated with accepting CNP transactions.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.2 CNP Order Best Practices. </strong>To reduce the likelihood of Chargebacks related to CNP orders, we recommend that you: (i) obtain the card expiration date; (ii) clearly print Cardholder’s account number, effective and expiration dates, date of transaction, description of goods and services, amount of transaction (including shipping, handling, insurance etc.), Card- holder’s name, billing address and shipping address, AA Code, your name and address (city and province required); (iii) write “MO” for mail and “TO” for telephone orders on the transaction record signature line; (iv) maintain a signed Cardholder authorization to submit mail orders; and (v) obtain written transaction verification on telephone orders.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.3 Prior Notice of CNP Payment Services. </strong>In addition to the notice and approval required during the acceptance process, you agree to provide First Data 60 day’s prior written notice of your intent to convert all or part of your business to CNP payment services. You agree to wait until you receive written approval from us before offering CNP payment services. You understand and agree that the sale or disclosure of Personal Information, or other card transaction information to third parties is prohibited, the violation of which may result in Card Organizations and regulatory sanctions and termination of your Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.4 Internet Notice Requirements. </strong>You agree to review and abide by all Card Organization Rules and requirements for the acceptance of pay- ment, display of Marks, retention of records, dispute processing, information security and any other requirements set forth in any guideline, bulletin, alert or other Card Organization publication related to Internet payment services, notices and disclosures. We require that the following (if applicable) be included/displayed in any Internet website that advertises acceptance of Card Organizations cards applicable to this Agreement: (i) a complete description of the goods or services offered, including technical requirements, if any; (ii) your customer service telephone number or email address; (iii) any applicable export or legal restrictions or conditions; (iv) your consumer data privacy and transmission of Personal Information policies; (v) a description of your transaction security processes; (vi) an itemized list of prices including taxes, shipping charges and the method of shipping; (vii) a description and estimated amount of any additional charge(s) (e.g., delivery charges, customs fees) that applies or may apply; (viii) the total amount payable and the amount and frequency of any periodic payments; (ix) a description of any trade-in arrangement and allowances; (x) service related information (e.g., where will services be performed, for whom, third-party providers etc.); disclosure of the country where the merchant outlet is located; (xi) all required Card Organizations trade and service marks; and (xii) your physical address. You further acknowledge and agree that the Servicers are not responsible for the security of the Cardholder data or information stored on our or any Internet service provider’s computers, systems or Web Site(s) and that you will be solely responsible for any liability, fines, or penalties arising from its use, storage, or dissemination of cardholder data.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.5 Switched Transactions. </strong>You agree that under no circumstances will we be liable for any settlement amounts pertaining to switched trans- actions. You understand that your sole recourse shall be to the applicable card issuer or Card Organization.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12.6 Card on File (Stored Credential) Transactions.</strong> Merchants that process partial and full prepayments, Installment transactions, and Recurring transactions using Stored Credentials (also referred to as Card on File) must obtain cardholder consent. When capturing a Stored Credential for the first time, you agree to establish an agreement with the Cardholder that contains all of the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">i) A truncated version of the Stored Credential (for example: last 4 digits of the Account Number), as it may be updated from time to time,</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">ii) How the Cardholder will be notified of any changes to the agreement,</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">iii) How the Stored Credential will be used, and,</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">iv) The expiration date of the agreement, if applicable.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">In addition, before processing an Installment Transaction, Recurring</span></p>\n<p>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">Transaction, or Unscheduled Card on File Transaction, you agree to obtain the Cardholder’s express informed consent to an agreement that contains all of the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">i) The Transaction amount (including all associated taxes and charges) or a description of how the Transaction amount will be determined</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">ii) The Transaction currency</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">iii) Cancellation and refund policies</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">iv) The location of the Merchant Outlet</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">v) In addition, for Installment Transactions, both:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">vi) Total purchase price</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">vii) Terms of future payments, including the dates, amounts, and currency</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">viii) In addition, for Recurring Transactions, the fixed dates or intervals on which the Transactions will be processed</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">ix) In addition, for Unscheduled Card-on- File Transactions, the event that will prompt the Transaction (for example: if the Cardholder’s balance falls below a certain amount)</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">When capturing a Stored Credential for the first time, you agree to do all of the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">i) Either:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">– Submit an Authorization Request for the amount due</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">– If payment is not required, submit an Account Verification</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">ii) If the initial Authorization Request or Account Verification is not approved, not store the cardholder’s credentials.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">For a Transaction using a Stored Credential initiated by the Cardholder, you agree to validate the Cardholder’s identity (for example: with a login ID and password) before processing each Transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">For an Installment Transaction, all of the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">If an Authorization Request for a subsequent payment is declined, you agree to notify the Cardholder in writing and allow the Cardholder at least 7 days to pay by other means.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree not process an initial Installment Transaction until the merchandise or services have been provided to the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to provide a simple cancellation procedure, and, if the Cardholder’s order was initially accepted online, provide an online cancellation procedure</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree not to complete a Transaction:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Beyond the duration expressly agreed by the Cardholder</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• If the Cardholder requests that the Merchant or its agent change the payment method</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• If the Cardholder cancels according to the agreed cancellation policy</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• If you receive a Decline Response</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">For an Installment Transaction, if the Cardholder cancels within the terms of the cancellation policy, you agree to provide the Cardholder both of the following within 3 business days:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Cancellation or refund confirmation in writing</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Credit Transaction Receipt for the amount specified in the cancellation  policy</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to refund the full amount paid if you did not adhered to the terms of the sale or service.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>13. Dynamic Currency Conversion (“DCC”). </strong>In some instances, we may offer you DCC services. If DCC is available and you wish to offer it to Cardholders, you agree to: (i) obtain our prior written approval to offer DCC; (ii) inform Cardholders that DCC is optional; (iii) not impose any additional requirements on the Cardholder to have the transaction processed in local currency; (iv) not misrepresent that DCC is a service provided by Card Organizations or network organizations; and (v) comply with all transaction, receipt and DCC requirements communicated by us, the Card Organizations and network organizations.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>14. New Products and Services. </strong>From time to time, First Data may notify you about new products and services that may be available and the terms and conditions under which you can obtain them. If your Equipment is capable of supporting these new products and services and you submit a transaction that engages them, you are deemed to have accepted any terms and conditions related to such new products  and services.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE IV. Equipment</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>15. General. </strong>First Data or its affiliates may offer you an Equipment rental plan, Equipment purchase or lease plans, all as described in your Agreement. You understand that while any Equipment lease or purchase agreement that you have is between you and First Data or its affiliates, we will, from time to time, perform services related to your Equipment. References to “we,” “us” and “our” in this article IV and in sections 25.3 and 27, include both First Data and its affiliates. Equipment plans, signup and pricing information are provided on your Form. You agree that, regardless of the Equipment plan, you shall not assign your rights or obligations with respect to, or pledge, lend, or create a security interest in, or directly or indirectly create, incur, assume or allow to exist any other consensually or judicially imposed liens, security interests or encumbrances on, or part with possession of, or lease or sublease the Equipment to any other person, firm or organization without our prior written consent. (Any such assignment, lease, delegation, sublease, pledge, security interest lien or other action in the absence of such consent shall be void.) You waive the benefits of all provisions of any law, statute or regulation which would in any manner affect our rights and remedies in connection with your purchase, rent or lease of Equipment or license of Software, including the Limitations of Civil Rights Act of Saskatchewan.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>15.1 Commercial Use/Compatibility. </strong>Under no circumstances will Equipment be provided for home or personal use, by you or your principals, employees or other individuals, nor shall you use or allow the Equipment to be used in any manner or for any purpose for which it is not designed or reasonably suited. You acknowledge that the Equipment and/or software you purchase, lease, or rent from us may not be compatible with another processor’s systems. In no case do we have any obligation to make such software and/or Equipment compatible with any other processing systems. In the event that you elect to use another processing service provider, upon the termination of your Agreement, you acknowledge that you will not use the Equipment and/or software obtained under your Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>15.2 Equipment/Software Setup, Security and Maintenance. </strong>You agree that all transactions initiated with your Equipment are assumed to be authorized by you and you are responsible for any losses incurred in connection with misused or compromised passwords. Where applicable, you will immediately replace set-up or default passwords and change them regularly and when an individual leaves your employment. You agree not to install PIN pads in locations that would allow others to view Cardholder’s use of the pad without also installing shielding or other appropriate countermeasures. You agree to notify us immediately if the Equipment is not working or if the “Out of Balance” message continues to display. You acknowledge and agree that you are solely responsible for the security of all Equipment used in processing transactions under your Agreement. You are also responsible for any unauthorized use of the Equipment, regardless of whether such unauthorized use was made by you, your employees, agents, customers or other third parties. You must review all Equipment user documentation and understand Equipment functionality, capabilities, PIN security measures and cryptographic keys loaded onto the Equipment. You will ensure that no device is connected to your Equipment (regardless of whether this Equipment was provided by us) or permit any physical alteration or modification of your Equipment without our express written permission. You agree that we or our representatives may enter your premises for purposes of inspecting, examining or repairing the Equipment at any time. You agree that the Equipment shall be kept at the address(es) indicated and shall not be removed without our prior written consent (except where normal use of the Equipment requires temporary removal). Under no circumstances are we responsible for any injuries, damages, penalties, claims or losses incurred by you or any other person caused by the installation, manufacture, selection, purchase, lease, rental, ownership, possession, modification, condition, use, return or disposition of the Equipment and you agree to reimburse us, defend us and hold us harmless against any claims for any such losses, damages, penalties, claims, injuries or expenses, whether before or after termination of this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>15.3 Cards Not Supported By Us. </strong>You understand that the Equipment may allow you to accept cards that are not supported by us and we will calculate our processing fee (for cards we do not support) by taking a percentage of the total amount of the charges made on the card </span></p>\n<p>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>(during the statement period) or a per transaction fee for all such card transactions during the period.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>16. Equipment Purchase. </strong>If you agree to purchase Equipment from us:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(i) we warrant that Equipment purchased by you is free and clear of all liens and encumbrances; (ii) “Software,” defined as computer programs, related documentation, technology, know-how and processes embodied in or provided in connection with the Equipment, will be provided to you in the form of a nonexclusive license to use, for purposes of operating your Equipment (but no right is given to reverse engineer, disassemble or decompile the Software); (iii) you agree to pay the Equipment purchase price as set forth in your Form (including any return/exchange conditions), which also includes insurance, licenses, shipping/ handling, supplies and any other applicable fees and charges;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(iv) you agree to pay us the full Equipment purchase price and applicable taxes upon receipt of our invoice or upon your agreement, we will collect the full Equipment purchase price and the applicable goods and services taxes (“GST”), value added taxes (“VAT”) and other federal and provincial sales, use, social service, harmonized and similar taxes by debits or deductions from your Settlement Funds Account or Current Account; (v) you agree to comply with all governmental laws, rules and regulations relating to the purchase of the Equipment; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(vi) you agree that Equipment maintenance and repair is your responsibility. Should your Equipment become inoperable, we can provide you with rental Equipment under the terms described below.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>17. Equipment Rental. </strong>If you rent Equipment from us, you agree that: (i) your acceptance of any piece of Equipment shall occur at the earlier of your actual acceptance after installation, delivery to you if your site is not ready for installation or seven days after shipment of Equipment that we have not agreed to install for you; (ii) the rental fees shown on your Form do not include any GST, VAT and other federal and provincial sales, use, social service, harmonized and similar taxes, all of which you shall pay together with (and in addition to) your rental fees;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(iii) we are authorized by you to collect rental fees and applicable taxes, on each piece of rented Equipment, for the rental period by initiating debit entries to your Settlement Fund Account or Current Account or by deducting such amounts from settlement amounts due to you, on the 17th day of each month (or on such other date as agreed to by the parties) for as long as you are in possession of our Equipment; (iv) we retain title to the Equipment and ownership and copyright interest in all Software, documentation, technology, know-how and processes embodied in connection with the Equipment and the rental thereof, and that your sole right to the Equipment is to use same for the term of the rental and subject to the terms of this Agreement; and (v) the Equipment is rented “as is” with no representations or warranties, expressed or implied, statutory or otherwise, including, without limitation, as to the suitability of the Equipment for any particular purpose, quality, merchantability, fitness for a particular purpose or otherwise.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>18. Use of Other Equipment. </strong>If you choose to use equipment not supplied by us, you understand and agree that you are solely responsible for ensuring that this equipment conforms to, and is installed in accordance with our rules and standards. You further understand and agree that if a third party’s equipment is used to electronically process card transactions, such third party becomes your agent for the delivery of card transactions to us via the applicable processing network. You agree to assume full responsibility and liability for any failure of such agent to comply with the operating regulations and rules of the applicable Card Organization or network organization including any violation that results in a Chargeback to it. You agree to remain liable to us to process and submit sales drafts according to your Agreement and further agree that in no case will we be liable for any losses arising out of your use of a third party’s equipment. You understand and agree to abide by the Card Organization Rules requiring that you deploy only devices that are PCI compliant, and certified in accordance with the Card Organization Rules, and certified and approved by us prior to deployment.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE V. Service Fees and Charges</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19. Merchant Processing Rates. </strong>You agree to pay the fees and charges set forth on your Form and any alternative price schedule as agreed to by the parties. You understand that the merchant processing fees and charges that you owe us for the Services that we provide to you (the “Merchant Processing Rate”) are calculated one of two ways. Under both methods, you understand that your Merchant Processing Rate is exclusive of any applicable GST, VAT and other federal and provincial sales, use, social service, harmonized and similar taxes, which are your sole responsibility. Regardless of how your Merchant Processing Rate is calculated, such rate is composed of the following three components:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(i) our “Processing Fee,” which is based on risk factors like your representations of your method for doing business, anticipated transaction amount(s), expected annual transaction volume and other factors; (ii) “Card Organizations Interchange Rates,” based on type of card and card program (e.g., “Mastercard Electronic – Consumer Programs”); and (iii) “Card Organizations and Other Fees and Assessments,” which include cross-border fees and United States dollars conversion costs.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.1 Merchant Processing Rate Calculation Method 1: </strong>For each transaction, you are billed separately for each of the three cost components listed in section 20.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.2 Merchant Processing Rate Calculation Method 2: </strong>A standard Merchant Processing Rate is developed specifically for you based on a combination of the three cost components listed in section 20 and our assumption that your transactions will qualify for certain reduced interchange levels set by the applicable Card Organizations. If a transaction fails to qualify for such reduced interchange levels, then the applicable Card Organizations will downgrade the transaction and we will process such transaction at the higher applicable interchange level. In this event, you understand that you will be subject to interchange downgrade fees (also referred to as Interchange adjustment/ Bill-Back/ Interchange differential) and any applicable Non- Qualified Surcharge (as set forth on your Form), and agree to accept said fees and Surcharge which will be billed back to you and reflected on your monthly statement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.3 Merchant Processing Rate Adjustments. </strong>Subject to your rights under section 25.1, we may adjust your Merchant Processing Rate: (i) if your actual annual Visa and/or Mastercard Credit volume is lower or the average Visa and/or Mastercard Credit transaction size is higher by 15% or more, or if you materially alter your method of doing business (e.g., there is a significant increase in CNP transactions or a change in the merchant category code (“MCC”)); and (ii) to reflect increases or decreases in Card Organizations Interchange Rates or Card Organizations and Other Fees and Assessments that we pass through to you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>20. Financial Information Requests, Billing Inquiries and Error Resolution Rights.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>20.1 Requests For Financials. </strong>Upon our request, you agree to provide us with your most recent quarterly and/or annual audited financial statements as such statements become available to you. If you or your parent is publicly traded, we will obtain said financial statements through other means, so long as you (or your parent) remain publicly traded. You also agree to provide such other financial statements and information concerning your business and your compliance with this Agreement as we may reasonably request.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>20.2 Error Resolution. </strong>You agree to notify First Data in writing of discrepancies or billing errors within 45 days of the date of the applicable statement or invoice. If you fail to notify First Data within the 45 day period, you will be deemed to have accepted the fees and charges set forth in the applicable statement or invoice and we will have no obligation to investigate<strong>.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>21. Early Termination and Fair Compensation. </strong>You acknowledge and agree to pay us the amounts on your Form and calculated in subsections 22.1 and 22.2 below: (i) if you terminate this Agreement prior to the expiration of the applicable term; or (ii) if this Agreement is terminated due to an Event of Default. Any recovery pursuant to this section shall in no way limit our right to receive Equipment payments or any other payments due from you pursuant to your Agreement. You agree to pay said fair compensation to us within 15 days after your receipt of our calculation of the amounts due.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>21.1 Merchants With Annual Card Volume Less Than Or Equal To $5,000,000 (this threshold is subject to change at our discretion). </strong>You agree to pay us $500 per location as well as the fees set forth on your Form in the event of early termination of this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>21.2 Merchants With Annual Card Volume Greater Than $5,000,000. </strong>You agree to pay us an early termination fee equal to 80% of the product of: (i) the average net monthly Merchant Processing Rate, as calculated in section 22.3; multiplied by (ii) the number of months, including any pro rata portion of a month, then remaining in the initial term or any renewal term, as applicable.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>21.3 Average Net Merchant Processing Rate Calculation. </strong>The average net monthly Merchant Processing Rate shall equal one-twelfth of the gross Merchant Processing Rate payable pursuant to your Form, less applicable interchange fees and assessments due pursuant to this Agreement during the 12 months immediately preceding the date on which: (i) First Data received notice from you of your intent to terminate this Agreement early; or (ii) we learned of your early termination in violation of this Agreement; or (iii) we terminate this Agreement early pursuant to section 25.3 (whichever produces the higher amount). If this Agreement has been in place less than 12 months, the estimated average net monthly Merchant Processing Rate shall equal the aggregate gross fees paid hereunder by you, divided by the number of months this Agreement was effective.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE VI. General Terms and Conditions</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>22. Assignment /Third Party Services. </strong>The parties agree that this Agree- ment is binding upon the parties, their heirs, successors and assigns and some of the Services in connection with this Agreement may be provided by third parties.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>22.1 Our Right to Assign/Subcontract. </strong>Subject to the Card Organi- zation Rules, you agree that we may transfer this Agreement and our rights and obligations hereunder (including First Data’s rights and obligations in respect of any purchase, rental or lease of Equipment) to our affiliates and/or any third party with notice to you, and in particular, but without limitation, thereafter any amounts owing by you hereunder will be owed to any such transferee, free from any rights of set-off or other defences you may have, all of which you waive. You also agree that we may delegate our duties hereunder to any subcontractors without notice to you. Without limiting any of our other rights in this section, we may assign the Authorization (set forth in section 2.1), whether directly or indirectly, by operation of law, change of control, or otherwise, by providing you written notice.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>22.2 Your Right to Assign. </strong>You agree that your transfer or assignment of any right or obligation or interest in this Agreement, without our prior written consent, which will not be unreasonably withheld, by operation of law or otherwise, is voidable by us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Notices. </strong>Except as otherwise specifically provided, the parties agree that all notices and other communications required or permitted hereunder (other than those involving normal operational matters relating to the Services, which may be delivered via statement message or other means) shall be delivered via mail, courier or facsimile if to you at the addresses set forth by you on your Form and if to First Data at: Attention: President, 2630 Skymark Ave., Suite 400, Mississauga, Ontario, L4W 5A4; facsimile 1-905- 602-3576. If notice to the Bank is required, such notice shall be delivered via mail, courier or facsimile to the Bank at: c /o Wells Fargo Bank, National Association, Attn: Executive Vice President, 1200 Montego Way, Walnut Creek, California 94598 with a copy to: Wells Fargo Bank, National Association, Attn: Senior Counsel, 800 Walnut Street, MAC: N0001-10A, Des Moines, Iowa 50309, facsimile 515-557-1397. Notices and other communications may also be delivered via email or web site publication as agreed to by the parties, from time to time.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23. Term and Termination. </strong>The parties agree that this Agreement shall take effect on the date when we approve your Form (the “Effective Date”). The parties agree that the initial term of this Agreement shall begin on the Effective Date and continue in full force for a term of four years (or such term as mutually agreed to by the parties). The parties also agree that this Agreement will auto-renew for terms of six months (each, a “renewal term”). You understand that any transaction documents accepted by us after the date of termination will be returned to you and will not be credited/debited. You agree that termination of this Agreement shall not affect our rights or your obligations relating to any applicable termination fees or Chargebacks that occurred prior to the date of termination, even if the Chargebacks are instigated after the date of termination. Upon termination of this Agreement, you agree to immediately send us all the data relating to card transactions made up to the date of termination.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23.1 Your Termination Without Cause. </strong>In the event we notify you of: (i) an increase in or any additional fees (subject to a 90 days prior notice); (ii) a material change to the terms of this Agreement; (iii) the addition of any material terms to this Agreement, none of which were previously negotiated and agreed to by the parties, you understand that you may terminate this Agreement without further cause or penalty by providing us 30  days’ written notice prior to the effective date of such modification of this Agreement; or (iv) an interchange rate reduction announced by the Card Organizations and we elect not to pass through the full reduction of the new interchange rates that are applicable to you. You may cancel this Agreement by providing us with at least 30 days’ written notice prior to the end of the initial term of this Agreement, and 30 days’ written notice at any time during any renewal term. You agree that continued use of our Services or the Equipment, after the effective date of any modification constitutes acceptance throughout the initial or any renewal term of this Agreement. You agree that upon delivery of your notice of termination, you will fund your Reserve Account as set forth in section 2.10.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23.2 Your Termination For Cause. </strong>If we materially breach a term of this Agreement or the Card Organization Rules that are applicable to us, you understand that you have the right to provide First Data with written notice of your intent to terminate this Agreement, unless we remedy our material breach within 30 days of receipt of your notice. If we fail to remedy a material breach, you may terminate immediately following the end of such 30 day period unless you withdraw your notification. You further understand that you have the right to immediately terminate this Agreement and exercise all of your rights and remedies under applicable law and this Agreement if any of the following events occurs: (i) bankruptcy or insolvency proceedings commenced by or against us; or (ii) we breach or misrepresent any of our warranties or representations with respect to this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23.3 Our Termination For Cause. </strong>You agree that if you materially breach a term of this Agreement or the Card Organization Rules that are applicable to you, we have the right to provide you with written notice of our intent to terminate this Agreement (including any rental or lease of Equipment), unless you remedy your material breach within 30 days of receipt of our notice. You further agree that we may immediately terminate this Agreement (including any rental or lease of Equipment) and exercise all of our rights and remedies under applicable law and this Agreement if any of the following events (the “Events of Default”) occurs: (i) a material adverse change in your business or financial condition including bankruptcy or insolvency proceedings commenced by or against you; (ii) any merger, amalgamation, assignment or transfer of your or your parent’s voting control; (iii) the sale of all or a substantial portion of your assets; (iv) fraud; (v) irregular card sales, excessive Chargebacks or any other circumstances which, in our judgment, may increase our risk of loss; (vi) any improper use or presentation of the Marks; (vii) you breach or misrepresent any of your warranties or representations with respect to this Agreement; or (viii) you cancel or revoke your Authorization.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23.4 Equipment, Transaction Supplies and Advertising. </strong>Within 30 days of termination of this Agreement for any reason, you shall return the Equipment to First Data or a $500 fee will be charged to you. If you purchase the Equipment, First Data will return the Equipment back to you after removing all of our proprietary software. Upon termination of this Agreement due to an Event of Default, you agree that all amounts payable, including Equipment purchase/ lease/rental payments shall be immediately due and payable in full without demand or other notice of any kind. You acknowledge that you do not own any transaction forms or advertising materials provided by First Data and agree to immediately cease use and certify destruction of or return, at your expense, all forms and materials bearing any Marks. You agree to cease all representations that you honour Card Organizations or other cards processed by us, unless you have entered into a separate agreement with another service provider/ financial institution(s) as applicable.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23.5 Reporting Termination.</strong> If we terminate this Agreement for cause, you acknowledge that we may be required to report your business name and the names and other identification of your principals to the Card Organizations. You expressly agree and consent to such reporting in the event you are terminated as a result of the occurrence of an Event of Default or for any reason specified by the Card Organization(s) as cause. Furthermore, you agree to waive and hold us harmless from and against, any and all claims which you may have as a result of such reporting.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>24. Survival. </strong>The parties agree that provisions governing processing and settlement of card transactions, all related adjustments, fees and other amounts due from you and the resolution of any related Chargebacks, disputes or other issues involving card transactions will continue to apply even after termination of this Agreement, until all card transactions made prior to such termination are settled or resolved. In addition, the provisions of Article IV and sections 2, 4, 10, 11, 20 through 22 (inclusive), 24 through 29 (inclusive) and 33 of this Agreement shall survive any termination.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25. Representations, </strong>Warranties, Limitations on Liability, Exclusion of Consequential Damages.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25.1 Your Representations and Warranties. </strong>Without limiting any other warranties under this Agreement, you represent and warrant that each card transaction submitted to us for processing: (i) represents a bona fide sale/rental of merchandise or services not previously submitted; (ii) represents an obligation of the Cardholder for the amount of the card transaction; (iii) the amount charged for the card transaction is not subject to any dispute, setoff, or counterclaim; (iv) is only for the merchandise or services (including taxes, but without any surcharge) sold or rented and, except for any delayed delivery or advance deposit card transactions expressly authorized  by this Agreement,  the merchandise or service was actually delivered to or performed for the person entering into the card transaction simultaneously upon your acceptance and submission of the card transaction for processing; (v) does not represent the refinancing of an existing obligation of the Cardholder (including any obligation otherwise owed to you by a Cardholder or arising from the dishonour of a personal cheque); (vi) to your knowledge or notice of any fact, circumstance or defence which would indicate that was fraudulent or not authorized by the Cardholder or which would otherwise impair the validity or collectability of the Cardholder’s obligation arising from such card transaction or relieve the Cardholder from liability with respect thereto; and (vii) was entered into by you and the Cardholder. You further agree to cooperate and provide information requested by Servicers, as Servicers determine necessary, to facilitate Servicers compliance with any applicable law.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25.2 Our Representations and Warranties. </strong>Without limiting any other warranties hereunder, we represent and warrant that we possess the resources, expertise, knowledge, and skills necessary to perform the Services in accordance with the terms and conditions of this Agreement.</span></p>\n<p>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25.3 SERVICE AGREEMENT. </strong>THIS AGREEMENT IS A SERVICE AGREEMENT. EXCEPT AS EXPRESSLY PROVIDED HEREIN, WE DIS- CLAIM ALL OTHER REPRESENTATIONS OR WARRANTIES EXPRESS OR IMPLIED, MADE TO YOU OR ANY OTHER PERSON INCLUDING WITHOUT LIMITATION, ANY WARRANTIES REGARDING QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PUR- POSE OR OTHERWISE OF ANY SERVICES OR ANY GOODS PROVIDED INCIDENTAL TO THE SERVICES PROVIDED UNDER THIS AGREEMENT.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25.4 INDIVIDUAL LIABILITY. </strong>IN NO EVENT SHOULD ANY PARTY BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL THEORY FOR LOST PROFITS, LOST REVENUES, LOST BUSINESS OPPORTUNITIES, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORE- SEEABLE OR WHETHER ANY PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25.5 MAXIMUM LIABILITY. </strong>NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY (INCLUDING THE INDEM- NIFICATION SECTION BELOW), OUR CUMULATIVE LIABILITY FOR ALL LOSSES, CLAIMS, SUITS, CONTROVERSIES, BREACHES OR DAMAGES FOR ANY CAUSE WHATSOEVER (INCLUDING THOSE ARISING OUT OF OR RELATING TO THIS AGREEMENT) AND REGARDLESS OF THE FORM OF ACTION OR LEGAL THEORY SHALL NOT EXCEED THE LESSER OR: (i) $5,000,000; OR (ii) THE AMOUNT OF FEES RECEIVED BY US PURSUANT TO THIS AGREEMENT FOR SERVICES PERFORMED IN THE IMMEDIATELY PRECEDING 12 MONTHS. THE LIMITATIONS SET FORTH IN THIS SECTION 27.5 SHALL NOT APPLY TO OUR OBLIGATION TO DELIVER SETTLEMENT FUNDS TO YOU PURSUANT TO SECTION 10.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>26. Indemnification. </strong>The parties agree to indemnify each other from and against any losses, actions, causes of action, claims, demands, costs, liabilities, expenses, damages, sanctions fines, legal fees or penalties arising from: (i) a party’s misrepresentation or breach of warranty, covenant, or any provision under this Agreement; (ii) a party’s employees’/agents’ fraud, gross negligence, willful misconduct or failure to comply with this Agreement and the Card Organization Rules; or (iii) actions where we have provided third party indemnification(s).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>27. Choice of Law; Venue; Waiver of Jury Trial. </strong>The parties agree that this Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws applicable therein. Each party agrees: (i) that any action or proceeding relating to this Agreement may be brought in any court of competent jurisdiction in the Province of Ontario, and for that purpose now irrevocably and unconditionally agrees and submits to the jurisdiction of such Ontario court; (ii) that it irrevocably waives any right to, and will not, oppose any such Ontario action or proceeding on any jurisdictional basis, including forum non conveniens; and (iii) not to oppose the enforcement against it in any other jurisdiction of any judgment or order duly obtained from an Ontario court as contemplated by this section. The parties irrevocably waive any and all rights they may have to a trial by jury in any judicial proceeding involving any claim relating to this Agreement. You additionally agree to waive personal service of process and consent that service of process upon you may be made by certified or registered mail, return receipt requested, at the address provided on your Form.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>28. Force Majeure. </strong>No party shall be liable for any default or delay in the performance of its obligations under this Agreement if and to the extent such default or delay is caused directly or indirectly by a force majeure event. In any such event, the non-performing party shall be excused from any further performance and observance of the obligations so affected only for as long as such circumstances prevail and such party continues to use commercially reasonable efforts to recommence performance or observance as soon as practicable.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>29. Severability. </strong>The parties intend for every provision of this Agreement to be severable. If any part of this Agreement is not enforceable, the remaining provisions shall remain valid and enforceable.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>30. Entire Agreement and Waiver. </strong>The parties agree that this Agreement (along with any attached amendments or schedules (if applicable)) constitutes the entire agreement between the parties with respect to the subject matter thereof, and supersedes any previous agreements and understandings. A party’s waiver of a breach of any term or condition of this Agreement shall not be deemed a waiver of any subsequent breach of the same or another term or condition.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Complaints. </strong>You have certain rights under the Code of Conduct for the Credit and Debit Card Industry in Canada (the Code) in relation to your contract and statements for payment card processing services which we have made available for you on our website at www.firstdatacanada.ca/about. Code of Conduct related complaints with respect to First Data Canada may be directed to First Data’s Chief Compliance Officer at the address for First Data provided in Section 24, or reported on our website at https://www.firstdatacanada.ca/about. All other complaints and service issues may be directed to our customer service department at 1-888-263-1938. Any complaints with respect to the Bank may be directed to the Bank at the address for the Bank provided in section 24. Pursuant to the Bank Act, if you have a complaint in respect of a deposit account, certain loan arrangements, a payment, credit or charge card, or the disclosure of or manner of calculating the cost of borrowing in respect of a loan or any other obligations of the Bank under a consumer provision of the Bank Act, the complaint may be communicated to The Financial Consumer Agency of Canada (“FCAC”). You can reach the FCAC by: telephone 1- 866-461-3222 (English), 1-866-461- 2232 (French), Fax 1- 866 - 814 -2224, by mail to 6th Floor, Enterprise Building, 427 Laurier Ave., Ottawa, ON, K1R 1B9 or through its website at www.fcac-acfc.gc.ca.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>31. Audit Rights. </strong>You will allow us to conduct, or to engage a third party designated by us to conduct examinations and audits of your compliance with the applicable provisions of the Agreement.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">ARTICLE VII. Discover Association Rules and Regulations</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>1. </strong>Sublicense to Use Program Marks.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>1.1 Sublicense. </strong>You are granted a limited sublicense to use the Program Marks, solely in connection with your acceptance of Discover Network Cards. “Program Marks” means the brands, emblems, trademarks and/or logos that identify Discover Cards. Additionally, shall not use the Program Marks other than to display decals, signage, advertising and other forms depicting the Program Marks that are provided to you by us or otherwise approved in advance in writing by First Data.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>1.2 Display of Program Marks. </strong>You must display, at each of your locations, in catalogs and websites, signage or logos showing the Program Marks in such manner and with such frequency as accorded any other payment cards accepted by you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>1.3 Restriction on Use of Program Marks. </strong>You are prohibited from using the Program Marks other than as expressly authorized in writing by First Data. You may use the Program Marks only to promote the services covered by the Program Marks by using them on decals, indoor and outdoor signs, advertising materials and marketing materials; provided that all such uses by you must be approved in advance by us in writing. You shall not use the Program Marks in such a way that customers could believe that the products or services offered by you are sponsored or guaranteed by the owners of the Program Marks. You recognize that you have no ownership rights in the Program Marks. You shall not assign to any third party any of the rights to use the Program Marks.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>1.4 Termination of Sublicense. </strong>Your sublicense to use the Program Marks shall terminate upon the earlier of (i) the termination of your Discover Agreement, (ii) delivery of notice by us or by Discover Network to you of the termination of the sublicense, or (iii) termination of the license of the Program Marks by Discover Network to us. You must immediately discontinue use or display of the Program Marks, upon termination of the License.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>2. Honoring Cards. </strong>The following rules are requirements strictly enforced by Discover:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. You cannot establish minimum or maximum amounts as a condition for accepting a Card, with the following exception: you may limit the maximum amount a Discover Cardholder may spend if, and only if, you have not received a positive authorization response from the Card Issuer.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. You cannot impose a surcharge or fee for accepting a Card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. You cannot establish any special conditions for accepting a Card. </span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. You cannot require the Cardholder to supply any personal information (e.g., home or business phone number; home or business address; or driver’s license number) unless instructed by the Authorization Center. The exception to this is for a mail/telephone/ Internet order or delivery required Transaction and card-present key-entered </span></p>\n<p>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">transaction in order to obtain an Address Verification (“AVS”). Any information that is supplied by the Cardholder must not be in plain view when mailed.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Any tax required to be collected must be included in the total Transaction amount and not collected in cash.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. You cannot submit any Transaction representing the refinance or transfer of an existing Cardholder obligation deemed uncollectible.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. You cannot submit a Transaction or sale that has been previously charged back.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. You must create a Sales or Credit Draft for each Card Transaction and deliver at least one copy of the Sales Draft or Credit Draft to the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">9. You cannot submit a Transaction or sale to cover a dishonored check.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">10. Failure to comply with any of the Rules may result in fines or penalties.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>3. Merchant Creation of Sales Drafts, Transaction Receipts and Sales Drafts. </strong>You must prepare a Sales Draft for each card transaction and provide a Transaction Receipt or a copy of the Sales Draft to the Cardholder at the time of completion of the transaction. Prior to completing the Sales</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">Draft, you must verify the card has not expired and has been signed by the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You shall ensure that the Sales Draft for each Transaction is legible and contains all of the following information prior to transmission to us:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Date of transaction;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Total amount of the transaction, including tax;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Discover Network Card account number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Expiration date of the card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Authorization  Code;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Merchant’s “doing-business-as” name and physical address (city/town and country);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Valid Cardholder signature; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. If manually imprinted, ensure the Discover Network scripted “D” is clearly legible on the imprint.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4. Submission of Sales and Credit Drafts to Us. </strong>You may present for payment only valid charges that arise from a transaction between a valid Card- holder and your establishment. If you deposit or attempt to deposit transactions that arise from sales between Cardholders and a different business than the one approved by us in our Agreement with you, then the transaction may be charged back, we may suspend or debit funds associated with all such trans- actions, and we may immediately terminate your account and the Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.1 You shall collect all Sales Drafts and transmit the Sales Drafts to us with thirty (30) days of the transaction date, the date that you conduct the Discover Network Card Sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.2 Sales Drafts submitted to us for Settlement after thirty (30) days of the transaction date may be rejected or, if accepted and processed, are subject to Chargeback to you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.3 You may not submit Sales Drafts for goods or services ordered until the goods or services have been delivered or furnished to the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.4 You may present for payment only valid charges that arise from a Transaction between a valid Cardholder and your establishment. If you deposit or attempt to deposit Transactions that arise from sales between Cardholders and a different business than the one approved by us in our Agreement with you, then the Transaction may be charged back, we may suspend or debit funds associated with all such Transactions, and we may immediately terminate your account and the Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.5 You must promptly complete and submit a Credit Draft for the total amount of the refund within five (5) days. Failure to do so may result in Chargebacks to you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4.6 The refund amount may not be for more than the original Credit Card</span> <span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">sale amount.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>4.7 </strong>For Discover transactions, factoring is considered merchant fraud and is strictly prohibited, unless you are registered with us. Factoring is the submission of authorization requests and/or Sales Drafts by a merchant for Card transactions by another business. If you submit Sales Drafts on behalf of another Person, you will suffer any losses associated with the disputes of the Discover Card Sales. Also if any fraud is involved, you could face criminal prosecution.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>5. Requirements Applicable to All Authorization Requests. </strong>Sub- mission of an Authorization Request that does not fully comply with the applicable provisions of this Agreement may result in assessment of additional fees to you, a declined Authorization response or a Chargeback to you of the Discover Network Card Sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>6. Request for Cancellation of Authorization. </strong>If a Discover Network Card Sale is cancelled or the amount of the card sale changes following your receipt of Authorization for the sale, you must call us and request a cancellation of the Authorization. An Authorization may be cancelled at any time within eight (8) days of your receipt of the Authorization but must be cancelled before sales drafts relating to the sale have been submitted to us. Once Sales Draft relating to the card sale has been submitted to Discover Net- work, the Authorization cannot be changed. You must provide the following information to First Data:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Discover Merchant Number used in the authorization;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Expiration date on the card being presented;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Brief reason the Authorization is being cancelled;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. The card number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Original amount of the Authorization;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. The new amount of the total transaction (if any); and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. The original Authorization Code for the Authorization being cancelled</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>7. Discover Network Card Security Features. </strong>All Discover Network Cards contain common characteristics and distinctive features. Security features common to all Discover Network Cards include:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Distinctive Discover Network/ NOVUS or Discover Network Acceptance Mark, depending on the date of issuance of the card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Cards display a three-dimensional hologram on the front of the Card OR a three-dimensional holographic magnetic stripe on the back of the Card. Valid cards do not display holograms on both front and back.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Card Numbers are composed of 16 digits are displayed on the front of the Card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Card Numbers are clear and uniform in size and spacing within groupings.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. On embossed Cards, the stylized “D,” appears on the same line as the embossed “Member Since” date (if present) and the “Valid Thru” date.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. The embossed “Valid Thru” date, if present, appears in mm/yy format and indicates the last month in which the Card is valid.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. “DISCOVER” or “DISCOVER NETWORK” will appear in ultraviolet ink on the front of the Card when it is held under an ultraviolet light.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. An underprint of “void” on the signature panel becomes visible if erasure of the signature is attempted.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">9. An overprint on the signature panel reads “Discover” or “Discover Net- work.” On some Cards, the overprint may display the name of the Card (e.g., Discover Platinum).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">10. The last four digits of the Card Number are displayed on the signature panel in reverse indent printing.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">11. CID is printed in a separate box to the right of the signature panel on the back of the Card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">12. A Discover Zip Indicator may appear on the back of a standard rectangular plastic Card indicating the Card can be used to conduct Contactless Card Transactions.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>NOTE:</strong> Valid Cards may not always be rectangular in shape (e.g., Discover 2GO Cards) and certain valid Contactless Payment Devices approved by us for use in accessing Card Accounts (e.g., contactless stickers, key fobs, and Mobile Commerce Devices) and to conduct Contactless Card Transactions may not display the features described </span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">above. Card expiration date and other features listed above are not displayed on such Contactless Payment Devices.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>8. Reminders for Preventing Fraudulent Discover Network Card Usage. </strong>In addition to complying with Authorization requirements as stated in your Agreement, you shall pay careful attention to both the Discover Network Card presenter and the Discover Network Card presented. In particular, you should:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Verify that the signature on the signed receipt is reasonably similar to the signature on the back of the card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Check the signature panel for signs of erasure or alteration. You should not accept the card if the word “VOID” appears in the signature panel.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Check the card expiration date and do not accept any expired card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Examine the card for signs of alteration.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. If you have any doubts about the validity of the card or the card presenter, you may request additional identification.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. When using a POS device and printer to process transactions, you must verify that the card number printed on the Transaction Receipt matches the number embossed on the front of the card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Follow procedures for Address Verification if the transaction is a Card Not Present transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. Enter the CID for all Authorization Requests for all Card Not Present transactions.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>9. Discover Network Cardholder Verification and Discover Network Card Retrieval.</strong> Occasionally in response to an Authorization request, we may direct you to obtain certain information from the card presenter to verify the card presenter’s identity. Also, in response to an Authorization request, we may direct you to take and retain a Discover Card from the card presenter. If we direct you to retain a card, you must call First Data’s Authorization Center and follow the instructions we provide. Do not use any force or effort if the card presenter refuses to give up the card, and do not take any action that will alarm or embarrass the card presenter. You will bear all responsibility for claims, liabilities, costs and expenses as a result of any failure by you, your employees, vendors or agents, that attempt to retain a card without the Issuer’s direct request or that fail to use reasonable, lawful means in retaining or attempting to retain a card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Signature on Discover Network Card. </strong>You must verify that there is a signature on the signature panel on the back of the card and verify that the name on the back of the card is reasonably similar to the name embossed on the front of the card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11. Unsigned Cards. </strong>If a card presented to you is not signed, you must request two pieces of identification, one of which must be government- issued picture identification. When you have confirmed that the person presenting the card is the Cardholder, you must require Cardholder to sign the back of the Discover Network Card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>11.1 </strong>If you are unable to positively identify the Discover Network Card presenter as the Cardholder, or if you have reason to suspect fraud, you should contact First Data.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>12. Verification of Discover Network Card Expiration Date. </strong>For each Discover Network Card Sale, you must check or obtain the expiration date of the Discover Network Card and confirm that the Discover Network Card is not expired prior to completing the sale. The Discover Network Card is valid through the last day of the month embossed on the card.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">12.1 If the card has expired, you must not accept it for a sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">12.2 If you are suspicious that the card presenter is not an authorized user of the card, you should call us at the telephone number we provided to you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>13. Credit Transaction Receipt and Credit Drafts Requirements. </strong>You must ensure that all Transaction Receipts and Sales Drafts created as a result of a Credit, whether generated by electronic means or completed manually on paper, include the following information:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Discover Network Card Account Number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Discover Network Cardholder’s name;</span></p>\n<p>&nbsp;</p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Discover Network Card expiration date:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Merchant’s name, location (city/town and country) and Discover Network Merchant Number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Quantity and brief description of merchandise or service returned / refunded;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Date of the Credit issuance;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Total amount of the Credit, including taxes, and the name of the currency used; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. Signature of an authorized representative of the Merchant.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>14. Refunds/Exchanges (Credits). </strong>You must promptly complete and submit a Credit Draft for the total amount of the refund which must include the following information:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. The account number and expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. The Cardholder’s name;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Your “doing business as” name and address (city and country);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Your Discover Merchant Account Number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. A description of the goods or services;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. The Transaction date of the Credit;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. The total amount of the Credit; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. The signature of your authorized representative or employee.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.1 Full refunds must be for the exact dollar amount of the original Transaction including tax, handling charges, etc. (You must identify the shipping and handling charges incurred.)</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.2 The refund amount may not be for more than the original Credit Card sale amount.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.3 Have the Cardholder sign the Credit Draft, give the Cardholder the appropriate copy, and deposit the Credit Draft immediately. Failure to process a Credit within five (5) calendar days may result in a Chargeback.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.4 Authorization is not required for refunds. You cannot intentionally submit a sale and an offsetting Credit at a later date solely for the purpose of debiting and crediting your own or a customer’s account.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.5 You are responsible for paying all refunds submitted to us on your merchant account.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">14.6 We assume no responsibility for verifying any credits or refunds. You are responsible to secure your terminals and to institute appropriate control to prevent employees or others from submitting refunds that do not reflect valid returns or reimbursements of prior transactions.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>14.7 Retention of Records for Retrievals and Chargebacks. </strong>You must retain legible copies of all Sales and Credit Drafts or any other transaction records for the longer of (i) 365 days or (ii) the resolution of any pending or threatened disputes, claims, disagreements or litigation involving the Card transaction. You must also keep microfilm or other copies of Sales Drafts for no less than three (3) years from the date of the Discover transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>14.8 </strong>You must provide all Sales and Credit Drafts or other Transaction records requested by us within the shortest time limits established by us. You are responsible for any deficiencies in Card Transaction data transmitted or otherwise delivered to us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>14.9 Discover Network Card Not Present Sales; Discover Network Card Identification Data (ClD). </strong>You must obtain the three-digit ClD in all Card Not Present Card Sales. The CID must be included in all Authorization requests you send to us for an Authorization response with respect to Card Not Present Card Sales. Failure to include the CID may result in a Chargeback to you. You are strictly prohibited from retaining, archiving or otherwise storing the CID in any form or format for any reason, including the recording of the CID on Transaction Receipts or Sales Drafts.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>15. Mail and Telephone Order Sales.  </strong>You must comply with the following procedures for Mail and Telephone Order Sales:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. For each mail or telephone order sale, you must transmit the ClD with the authorization request. If you accept a card sale without receiving a prior authorization approval and without transmitting the CID in the authorization request, the sale may be subject to Chargeback to you.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. For each sale, you must verify the name and billing address of the Card- holder using the electronic Address Verification Service. Completing an Address Verification is not a guarantee against possible Disputes, only a tool by which to reduce the risk or occurrence of fraudulent activity.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. You must obtain the following information from the Cardholder for each mail or telephone order sale: Cardholder name, card account number, card expiration date, billing address and shipping address. You must retain the information along with the shipping date for the document retention period noted in this document. You shall provide the shipping date to the Cardholder at the time of each telephone order sale and upon request for each mail order sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. You must not transmit Sales Drafts to us for merchandise or services ordered by a Cardholder until the merchandise or services have been shipped, delivered or furnished to the Cardholder; except that you may accept a Discover Network Card for a deposit on a purchase of merchandise or services and you may transmit the Sales Drafts relating to such deposit prior to the time of shipment or delivery of the merchandise or services purchased in such sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. At the time of delivery of merchandise or services ordered in a mail or telephone order sale, you must provide the Cardholder with an invoice or other similar documentation. You also must obtain the Cardholder’s signature as proof of delivery. If the Cardholder requests delivery to a third party, you must obtain the signature of a party designated by the Cardholder as proof of delivery. You must retain this proof of delivery for the document retention period as set forth in this document. If a Cardholder takes delivery of merchandise ordered by mail or telephone at your retail location, you must obtain an imprint of the Discover Network Card and the Cardholder’s signature on the Sales Drafts.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>16. Card Sales over the Internet. </strong>You must obtain our prior approval before accepting any Discover Network Card transactions over the Internet and you must comply with the requirements as noted below:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. You shall accept only those Internet Discover Network Card transactions that are encrypted in accordance with our designated protocol. We may, at our discretion, withhold settlement until security standards can be verified. However, our designated protocol, including any specifications with respect to data encryption, may change at any time upon thirty (30) days advance written notice. You may not accept Discover Network Card Account Numbers through Electronic Mail over the Internet.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. You shall not accept any Internet Discover Network Card transactions unless the transaction is sent by means of a browser which supports our designated protocol.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. You must obtain an authorization decision for the sale using an electronic means of transmission that is approved by us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. You must submit the CID to us. If you do not submit the CID to us, the sale may be subject to Chargeback.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. You must obtain address verification for the sale from First Data.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. You must submit Sales Drafts using an electronic means of transmission.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. You may not submit Sales Drafts to us using non-electronic means.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. You must not submit Sales Drafts to us until the merchandise or services ordered are delivered to the Cardholder. Any transaction over the internet that fails to comply with our requirements is subject to immediate Chargeback. We may collect any amounts owed by you with respect to Chargebacks on transaction from the proceeds of Settlement amounts otherwise payable for any Card transactions. We may, at our discretion, terminate the Agreement immediately if you fail to comply with these terms.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>17. Special Circumstances / Businesses; Card Acceptance During Store Closings or Liquidation. </strong>You must comply with the following requirements during the liquidation and/or closure of any of your outlets, locations and/or entire business:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Post signs visible to customers stating “All Sales Are Final”; </span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Stamp receipts or print Sales Drafts with notice that “All Sales Are Final”; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Contact First Data to advise of the closure of locations and/or liquidation of your establishment.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>18. Delayed Delivery or Deposit Balance. </strong>In a delayed delivery Transaction where a Cardholder makes a deposit toward the full amount of the sale, you should execute two separate Sales Drafts, the first for a deposit and the second for payment of the balance upon delivery of the merchandise or the performance of the services. You must label one Sales Draft “deposit” and the other “balance,” as appropriate. You must obtain the “deposit” authorization before submitting the sales data for the “deposit” or the “balance” to us. If delivery of the merchandise or service purchased will occur more than ninety (90) calendar days after the “deposit” authorization, you must obtain a subsequent authorization for the “balance.” In addition, you must complete Address Verification at the time of the “balance” authorization, and you must obtain proof of delivery upon delivery of the services/merchandise purchased. You may not submit sales data relating to the “balance” to us for processing until the merchandise/service purchased has been completely delivered.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19. Recurring Transaction and Preauthorized Order Regulations. </strong>If you process recurring Transactions and charge a Cardholder’s account periodically for recurring goods or services (e.g., monthly insurance premiums, yearly subscriptions, annual membership fees, etc.), the Cardholder shall complete and deliver to you a Cardholder approval for such goods or services to be charged to his account. The approval must at least specify the Card- holder’s name, address, account number and expiration date, the Transaction amounts, the timing or frequency of recurring charges and the duration of time for which the Cardholder’s permission is granted. The approval must also include the total amount of recurring charges to be billed to the Card- holder’s account, including taxes and tips and your Merchant Number.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.1</strong> If the recurring Transaction is renewed, the Cardholder must complete and deliver to you a subsequent written request for the continuation of such goods or services to be charged to the Cardholder’s account. You may not complete a recurring Transaction after receiving a cancellation notice from the Cardholder or Issuer or after a request for authorization has been denied.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.2</strong> If we or you have terminated your Merchant Agreement, you may not submit authorization requests or sales data for recurring Transactions that are due after the termination date of your Merchant Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.3</strong> You must obtain an authorization for each Transaction and write “Recurring Transaction” on the Sales Draft in lieu of the Cardholder’s signature. A positive authorization response for one recurring Transaction Card Sale is not a guarantee that any future recurring authorization request will be approved or paid.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1<strong>9.4</strong> For all recurring Transactions, you must submit the 3 digit Card Validation Code number with the first authorization request, but not subsequent authorization requests. Also, the Sales Draft must include a general description of the transaction, your merchant name and a toll- free customer service number that the Cardholder may call to obtain customer assistance from you or to cancel the written approval for the recurring  transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.5</strong> All Recurring Transactions or Preauthorized Orders may not include partial payments for goods or services purchased in a single Transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.6</strong> You may not impose a finance charge in connection with a Recurring Transaction or Preauthorized Order.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>19.7</strong> If you process recurring payment Transactions, the Recurring Payment Indicator must be included in each authorization request. Penalties can be assessed for failure to use the Recurring Payment Indicator.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>20. Discover Cash Over Transactions. </strong>You may issue Cash Over in connection with a Discover Card sale, provided that you comply with the following requirements:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. You must deliver to us a single authorization request for the aggregate total of the goods/services purchase amount and the Cash Over amount of the Card sale.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. You may not submit separate authorization requests for the purchase amount and the Cash Over amount.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. The Sales Draft must include both the purchase amount and the Cash Over amount, and you may not use separate Sales Drafts for the purchase amount and Cash Over amount.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"> 4. No minimum purchase is required for you to offer Cash Over to a Cardholder provided that some portion of the total card sale must be attributable to the purchase of goods or services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. The maximum amount of cash that you may issue as Cash Over is $100.00.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>(Cash Over may not be available in certain markets. Contact us for further information.)</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>21. Cash Advances and Cash Equivalent. </strong>You may not accept a card in exchange for advancing cash or cash equivalents to a Cardholder and will be subject to Chargeback to you, regardless of whether your agreement with the Cardholder describes a cash advance or cash equivalent as a sale of goods or services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>22. Merchants in the Lodging Industry. </strong>Provided below are our require- ments for Merchants in the lodging industry, who take reservations and require Cardholders to pay advance deposits. Failure to comply may result in Chargeback. Please note that for all Discover Network Card transactions that are not swiped through your terminal or POS device you must for the procedures described above for card not present sales.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>23. Requirements for Guaranteed Reservations. </strong>You may bill the Card- holder for one night’s lodging (plus applicable taxes) if you have complied with all of your obligations as noted below.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>24. Notice to Cardholder of Rights and Obligations. </strong>At the time of reservation, you must verify that the Cardholder plans to guarantee their reservation. If a guarantee is requested, you must advise the Cardholder of the rights and obligations and inform the Cardholder of the room rate and reservation confirmation number and advise the Cardholder to retain this information. You must advise the Cardholder of the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Accommodations of the type requested will be held until check-out time on the day following the scheduled arrival date.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. If the Cardholder seeks to cancel the reservation, the Cardholder must do so before 6:00 p.m. (local time) on the scheduled arrival date. Resorts may move the 6:00 p.m. (local time) deadline back no more than three hours to 3:00 p.m. (local time), provided that the Cardholder has been verbally informed of the date and time the cancellation privileges expire.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. When the reservation is made, the Merchant should provide a telephone number for the Cardholder to call to cancel the reservation.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. If the reservation is not cancelled within the allowed time frame and the Cardholder does not use the accommodation and the Merchant does not use or rent the room to another guest, the Merchant may bill the Card- holder for a no-show charge equal to one night’s lodging (plus applicable taxes).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>25. Record of Guaranteed Reservation. </strong>You must preserve a record of the following information for each guaranteed reservation:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s name as it appears on the Card, if present;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Card Number, truncated and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Anticipated arrival date and length of stay;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. The cancellation policy in its entirety, inclusive of the date and time the cancellation privileges expire; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Any other pertinent details related to the reserved accommodations.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>26. Written Confirmation of Guaranteed Reservations. </strong>You must pro- vide Cardholders with written confirmation of each guaranteed reservation. The confirmation must contain:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s name as it appears on the Card, if present;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Card Number, truncated and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Reservation confirmation  number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Anticipated arrival date and length of stay;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. The cancellation policy in its entirety, inclusive of the date and time the cancellation privileges expire; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Any other pertinent details related to the reserved accommodations.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>27. Cancellation of Guaranteed Reservations. </strong>If a Cardholder seeks to cancel a reservation in accordance with your cancellation policy and specified timeframes, you must provide the Cardholder with a cancellation number and instructions to retain a record of it. You shall forward written confirmation of the cancellation of each guaranteed</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"> reservation within three Business Days of Cardholder’s request for written confirmation. This cancellation confirmation must contain:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s reference that charges were placed on the Card, if applicable, or a guarantee that a “no-show” charge will not be placed on the Card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Cardholder’s name as it appears on the Card, if present;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Card Number, truncated and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Reservation cancellation  number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Date of cancellation;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. The name  of the  Merchant’s employee that processed the cancellation;  and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Any other pertinent information related to the reserved accommodations.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>28. Sales Drafts for “No-Show” Charges. </strong>If the Cardholder does not cancel a reservation in accordance with your cancellation policy and specified time frames and the Cardholder does not use the accommodations and you do not rent the room to another guest, you may charge the Cardholder for a “No-show” charge by preparing and transmitting Sales Drafts with the following information:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s name as it appears on the Card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Card Number, truncated and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Hotel name and location imprinted on the Sales Data;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Room rate (as quoted when the reservation was made), including applicable taxes;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Transaction date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Authorization Code ;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Employees initials; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. The words “No-Show” printed on the signature line.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>29. Requirements for Advance Deposit. </strong>You may require Cardholders to pay a deposit at the time of a reservation, if you comply with the requirements noted below. The amount of the deposit cannot exceed the cost of seven nights lodging (plus applicable tax) and the deposit must be applied to the entire bill. When you require an advance deposit, you must provide Cardholders with the information required below. Note: Cardholders may NOT be charged a “No-show” penalty in addition to a forfeited advance deposit.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>30. Obligations with Advance Deposits. </strong>If you make advance deposits for reservations, you must comply with the following requirements:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Hold reserved accommodations until checkout time following the last day covered by the advance deposit;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Specify a reservation cancellation time frame including the date and time when cancellation privileges expire;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Fully reimburse an advance deposit when the Cardholder cancels a reservation within the specified time frame; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Provide a written disclosure informing the Cardholder of his or her rights and obligations and that failure to cancel a reservation within the specified time frame may result in forfeiture of all or part of an advance deposit. Note: Cardholders may NOT be charged a “No- show” penalty in addition to a forfeited advance deposit.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>31. Sales Drafts Requirements for Advance Deposits/ Folio. </strong>For each advance deposit taken by you, you shall prepare Sales Drafts in the amount of the advance deposit and transmit it to us immediately after taking the reservation for the advance deposit. Sales Drafts must contain the following information:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s name as it appears on the Card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Card Number, truncated, and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Cardholder’s complete mailing address and telephone number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Transaction date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Anticipated arrival date and length of stay;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Reservation  confirmation  number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Authorization Code; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. Advance deposit amount (including applicable taxes).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>32. Written Confirmation. </strong>You must provide the Cardholder with written confirmation of an advance deposit that contains the following information:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder copy of the advance deposit Transaction Documentation;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"> 2. Reference that charges were placed on the Card Account;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Cardholder’s name as it appears on the Card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Card Number, truncated, Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Reservation confirmation number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Anticipated arrival date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. The cancellation policy in its entirety, including the date and time the cancellation privileges expire; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. Any other pertinent information related to the reserved accommodations.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>33. Cancellation of Reservations with Advance Deposits. </strong>If the Card- holder requests a cancellation of a reservation in accordance with your cancellation policy and time frames, you must issue a Credit to the Card- holder’s Discover Network Card Account for the full amount of the advance deposit charged to the account within seven (7) days of the Cardholder’s request. In addition, you must:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Provide   a   cancellation   number   to   the   Cardholder   and instructions to retain a record of the number; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Prepare Sales Drafts for the Credit and transmit the Sales Drafts to us within the time frames prescribed.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>34. Sales Drafts Required for Cancellation of Reservations with Advanced Deposits. </strong>You must prepare and transmit Sales Drafts to us for each cancellation that includes the following information and you must send a copy of the Sales Drafts documenting the Credit to the Cardholder within the time frames prescribed:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Cardholder’s name as it is embossed on the card;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Card Account Number, truncated, and Card expiration date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Cardholder’s complete mailing address and phone number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Transaction date;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Reservation Cancellation Number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Advance deposit amount; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. Words “Advance Deposit” on the signature line.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>35. Requirements for Overbooking. </strong>If the accommodations reserved by a Cardholder pursuant to a guaranteed reservation or with an advance deposit are unavailable upon arrival, you must at your own expense, provide the Cardholder with the following:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Comparable  accommodations  for  one  night  at  a  similar Merchant location (including applicable taxes);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Transportation to the alternative Merchant location; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Forwarding of all calls and messages to the alternate Merchant location.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>36. Requirements for Priority Check-out Service. </strong>If you offer priority checkout services, you must comply with the following requirements:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Require the Cardholder to sign the registration card at the time of check- in acknowledging responsibility for all charges. Obtain an authorization decision for the estimated amount of the accommodations at check-in by swiping the card through your terminal or POS device.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Complete Sales Drafts at checkout by entering the total amount of charges incurred during the stay including: restaurant, telephone and miscellaneous expenses.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Write the words “Priority Check-out” on the signature line of the Sales Drafts.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Obtain a final Authorization approval code for any additional amounts from the check-in estimate to equal the total amount to be billed to the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Mail the Cardholder (at the address shown on the registration card) a copy of the Sales Drafts and itemized lodging bill.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. Transmit completed Sales Drafts to First Data within the applicable time frame.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>37. Requirements for Estimated Authorization.</strong> If you seek to obtain an authorization decision for the estimated amount of charges to be billed to a Cardholder, you shall comply with the following procedures. At the beginning of the Cardholder’s stay and on a periodic basis thereafter, you may obtain an authorization decision as set forth in herein for an amount equal to the estimated total of a Cardholder’s charges based on his/ her length of stay and other criteria. You must obtain an Authorization decision for the amount of the estimated charges expected during the length of a Cardholder’s stay and to obtain  additional Authorization decisions for the actual charges that exceed the amount originally estimated by you for which you obtained Authorization decision.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">At check-in, you may estimate the Cardholder’s total charges based on the below requirements and obtain an authorization decision for the amount of that estimate:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. Intended length of stay;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. Room rate;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Applicable taxes;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. Applicable service charges; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. Any miscellaneous charges, as dictated by experience.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>38. Changes to Estimated Charges. </strong>You must monitor the charges made during the course of a Cardholder’s stay to ensure that the actual charges do not exceed the amount indicated in the estimated authorization. The following conditions apply:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. If the actual charge activity exceeds the amount of the estimated Authorization, then you must secure a positive Authorization decision or approval for the amount in excess of the estimated Authorization. Note: Such amounts should not be cumulative and each additional Authorization decision should cover a separate portion of the total amount. If an Authorization request is declined, no charges occurring after that date will be accepted by us for that Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. A final (or additional) Authorization decision is not required if the final amount (total sum) of the Discover Network Cardholder’s charges does not exceed the sum of the previously authorized charges, plus a twenty percent (20%) tolerance.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. The dates, authorized amounts, and their respective Authorization approval codes must be individually recorded on the Sales Drafts.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39. Data Security. </strong>The following is information regarding the protection of Cardholder data. Failure to comply may result in substantial fines and liabilities for unauthorized disclosure and termination of this agreement. The requirements for Data Security apply to you and all third parties you may engage to enable your ability to accept Discover Network Cards.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.1 </strong>Visa, Mastercard, American Express, Diners Club International, Discover and JCB have aligned data security requirements to create a global standard for the protection of Cardholder data. The resulting PCI Data Security Standard defines the requirements with which all entities that store, process, or transmit payment card data must comply. PCI is the name used to identify those common data security requirements. Discover Information Security and Compliance (DISC) is Discover’s data security program based on the PCI Data Security Standard and industry aligned validation requirements.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.2 </strong>PCI enables Acquirers, Issuers and merchants to implement a single security program, based on common security requirements, validation requirements, and tools, to ensure the protection of Cardholder data. PCI compliance validation is focused on any system or system component(s) where Cardholder data is retained, stored, or transmitted, including:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. All external connections into your network;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. All connections to and from the authorization and settlement environment; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. Any data repository outside of the authorization and settlement environment.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.3 </strong>The Card Organizations or we may impose fines or penalties, or restrict you from accepting Cards if it is determined that you are not compliant with the applicable data security requirements. We may in our sole discretion, suspend or terminate Card processing services under your Merchant Agreement for any actual or suspected data security compromise.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.4 </strong>The PCI Data Security Standard and detailed information including the PCI Self-Assessment Questionnaire which you should complete, can be found at the PCI Data Security Council’s website:  www.pcsecuritystandards.org</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.5 </strong>The PCI Data Security Standard and information about DISC can be found at Discover’s DISC website:  www.discovernetwork.com/merchants/data-security/disc.html</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.6 </strong>At all times, you must comply with PCI DSS Security Standard and the other obligations with respect to data security as part of your merchant agreement which may be amended from time to time. We may impose restrictions, fines or prohibit you from accepting payment cards if we determine that you are not in compliance with the Data Security requirements. You understand and acknowledge that it is solely your responsibility to maintain compliance with the Data Security requirements and to pay any and all fines levied by the applicable Card Organization or networks for your non-compliance. You also understand and acknowledge that you are solely responsible for the compliance of any and all third parties that are given access by you, to Discover Network Cardholder data, and for any third party POS VAR (“Value Added Reseller”) software that you may use.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.7 </strong>We may in our sole discretion, suspend or terminate Discover Network Card processing services under your Merchant Agreement for any actual or suspected data security compromise. Notwithstanding anything in this Agreement to the contrary, you agree to indemnify and hold us harmless from and against all losses, liabilities, damages and expenses resulting from your failure to comply with the Data Security requirements.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.8 </strong>You may be subject to and we retain the right to conduct an audit performed by us and a third party designated by us to verify your compliance with the data security requirements.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.9 </strong>You must notify First Data as soon as reasonably practicable and in no event more than 24 hours after becoming aware of (i) any suspected or actual data security breach in any of your systems or databases used to conduct or in any way process Discover Network Card transactions or to store Discover Network Cardholder information, including websites or electronic links used to conduct Discover Network Card transactions, and (ii) any noncompliance by you with the Data Security requirements. Such breaches shall include third party incursions that could in any way result in access to Discover Network Card transaction information, Discover Network Card account information or Discover Network Cardholder information.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.10 </strong>You must, at your expense (i) perform or cause to be performed an independent investigation (including a forensics analysis) of any data security breach, (ii) perform or cause to be performed any remedial actions recommended by any such independent investigation, and (iii) cooperate with us in the investigation and resolution of any data security breach.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.11 </strong>You must provide First Data or Discover Network as requested, with the following information concerning any suspected or actual data security breach:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. the date of such breach;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. details concerning the data compromised (e.g., Discover Network Card numbers and expiration dates, Discover Network Cardholder names and addresses);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. the method of such breach;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. your security personnel contacts;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. the name of any Person (including any law enforcement agency) assisting you with your investigation of such breach; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. any other information which we reasonably request from you concerning such breach, including any forensics report(s).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.12</strong> You will provide the information requested as soon as is reason- ably practicable and the information listed above shall in any event be provided to First Data within 48 hours of your initial notification to First Data of such breach.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>39.13 </strong>You must provide First Data or Discover Network as requested, with copies of any reports concerning such breach as soon as practicable. You must not issue any press release or other public announcement concerning such breach until after you have provided us and Discover Network with the information requested above.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>40. Audit Rights. </strong>You will allow First Data to conduct, or to engage a third party designated by us to conduct, annual examinations and audits of your compliance with the applicable provisions of Discover rules and with applicable law.</span></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Article VIII. American Express (OptBlue)</span></p>\n<p>1.If you accept American Express Cards through the OptBlue Program, in addition to the terms and conditions set out in this Agreement, you also agree to comply with the American Express Program Merchant Guide, made available from American Express at <ins>www.americanexpress.ca/merchantguide</ins>.</p>\n<p>(a) You authorize us to submit Transacions to, and receive settlement from, American Express.&nbsp;&nbsp;</p>\n<p>(b) You agree that (i) we may disclose Transaction Data, Merchant Data,and other  information about you to American Express; and (ii) American Express may use such information to perform its responsibilities in connection with the Program, promote theAmerican Express Network, perform analytics and create reports, and for any other lawful business purposes, including commercial marketing communications purposes within the parameters of the Program Agreement, and importanttransactional or relationship communications from American Express.&nbsp;&nbsp;</p>\n<p>(c)  You agree to and acknowledge that American Express may use the information obtained in the CAF to screen and/or monitor you in connection with American Express Card marketing andadministrative purposes.&nbsp;&nbsp;</p>\n<p>(d)  You may opt-out of receiving future commercial marketingcommunications from American Express by contacting FirstData Canada. Note that you may continue to receive marketing communications while American Express updates its records to reflect this choice. Opting out of commercialmarketing communications will not preclude you from receiving important transactional or relationship messages from American Express.&nbsp;&nbsp;</p>\n<p>(e) You acknowledge and agree that you: (1) may be converted from the OptBlue Program to a direct American Express Card acceptance relationship with American Express if and when your transaction volumes exceed the eligibility thresholds for the OptBlue program. If this occurs, upon conversion, (i) you will be bound by American Express’ then-current Card Acceptance Agreement; and iii) American Express will set pricing and other fees payable by you for American Express Card acceptance.&nbsp;&nbsp;</p>\n<p>(f) You agree not to assign to any third party any payments due to you under the Agreement and all indebtedness arising from Charges will be for bona fide sales of goods and services (or both) at your Establishments free of liens, claims, and encumbrances other than ordinary sales taxes; provided,however, that you may sell and assign future Transaction receivables to us or our affiliated entities and/or any othercash advance funding source that has a commercialrelationship with us or its affiliated entities, without consent of American Express.&nbsp;&nbsp;</p>\n<p>(g) Notwithstanding  anything in the Agreement to thecontrary, American Express shall have third-party beneficiary rights, but not obligations, to the terms of this Agreement applicable to American Express Card acceptance to enforce such terms against you.</p>\n<p>(h) You may opt out of accepting American Express at any timewithout directly or indirectly affecting your rights to accept Cards bearing Marks of other Card Networks.</p>\n<p>(i) You must not bill or collect from any Amex Card member for any purchase or payment on the American Express Card unless Chargeback has been exercised,  you have fully paid for such Charge, and you otherwise have the right to do<br>  so.</p>\n<p>(j) You must remove American Express Licensed Marks from yourwebsite and wherever else they are displayed upontermination of the Agreement or your participation in theOptBlue Program.(k) We may assign the Agreement with respect to AmericanExpress Card acceptance to American Express in the event of<br>  termination of our agreement with American Express.      <span style=\"color: transparent;\">You agree.<br>  that (i) we may disclose Transaction Data, Merchant Data,<br>  </span>&nbsp;&nbsp;</p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Article IX. Interac Rules</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">The Interac Direct Payment (“IDP”) Service enables customers to pay for goods and services by debiting money directly from their accounts using either a CHIP and PIN card, or Contactless card (Interac Flash).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Processing IDP Transactions</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">All IDP transactions must be authorized via the POS Terminal or PIN pad. When a Debit Cardholder presents an Interac Debit Card, you agree to:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Sell goods and/or services at the ticketed or posted price;</span></p>\n<p>&nbsp;<span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Process a refund, if you agree to accept a return of merchandise;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Not to provide cash to Cardholder when Interac Flash is used. Interac Flash transactions can only be used to purchase goods and services you sell;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Not to impose minimum or maximum purchase amount;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Notify Cardholder of any fees (surcharges) prior to completing the transaction, and permit cardholder to cancel the transaction without penalty; and,</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Not to discriminate between Interac Debit cards.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to follow the following steps to complete the IDP transaction:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Enter the information for the transaction into the POS Terminal;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Ask the Cardholder to enter his or her PIN and verify the amount of the transaction by using the PIN pad; If you accept Interac Flash, have the cardholder tap his or her card to complete the transaction;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Have Cardholder act on the instructions displayed by the POS Terminal including entering his or her PIN and verifying the amount of the transaction using the PIN pad;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• If an incorrect or unauthorized PIN is entered, the POS Terminal will indicate a message that the PIN is incorrect or unauthorized. Cardholder must be permitted at least three (3) consecutive attempts to enter the correct PIN for one (1) transaction. You may decline a transaction after any three (3) consecutive PIN failures;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Provide the Cardholder with the transaction record (regardless of whether the transaction was approved or declined);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Respond to any tracing requests (i.e. a request for information about the nature or disposition of an IDP transaction) in accordance with the Interac Requirements and any instructions from us;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Promptly advise us if a POS Terminal is not working; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree that you are responsible for the validity and integrity of all Data that you submit in the context of a Debit Card transaction, and that in no event will we be responsible for any acts or omissions by you that cause such Data to be entered or submitted for processing in a manner that does not meet such reasonable technical requirements as we may prescribe.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Disputed Debit Transactions</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree not to refund any Debit Card transactions that are under dispute as to whether funds were or were not debited correctly from the account of a Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree to inform the Cardholder that he or she must contact their own financial institution with respect to such disputes.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree to be liable for any attempts by you or your employees or agents to correct such disputes in the event of any incorrect debit, including, without limitation, a double debit of the Cardholder’s account or a cash refund.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Failure to Comply</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">Your access to the IDP Service may be terminated if you fail to comply with any terms of this Merchant Agreement or instructions from us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Cardholder Confidentiality</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• To take all reasonable precautions to protect information encoded on Debit Cards while the Card is being used for an IDP transaction.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• That the Cardholder’s PIN is confidential to the Cardholder, and you agree not to require the Cardholder to divulge or disclose in any manner his or her PIN or allow the PIN to be displayed in clear text form.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• To situate the POS Terminal or PIN pad in such a manner as to minimize potential disclosure of the PIN during its entry by the Cardholder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• To comply with any and all applicable Federal and Provincial laws and regulations dealing with the protection and disclosure of private information about or belonging to Cardholders.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Submission/Deposit of Batches</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You agree to settle your terminal daily.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• All Batches must be properly completed and submitted daily. Instructions for closing and submitting Batches are provided in your POS Quick Reference Guide. Late submission will result in a delay in funding and may incur additional charges.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• Batches must be transmitted to us by 9:00 PM ET in order to be processed on the date of transmission</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Security</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You must follow security procedures as advised by us, and to ensure that your employees are familiar with them.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You will not allow any device to be connected to a POS Terminal, or any part of it, without our written permission.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You are responsible for the security of all equipment that you may use to process IDP transactions and are liable for any unauthorized use of it, regardless of whether such unauthorized use was made by you, your employees, agents or customers. You are also responsible for security measures to protect your customers’ PINs and the cryptographic keys loaded on your POS Terminal.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You will take all reasonable precautions to ensure that all POS Terminals are closed and unavailable for use after business hours. You will advise us immediately if you suspect that any POS Terminal has been tampered with or if any PIN pad has been lost or stolen.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">• You agree to maintain accurate logs of employee shifts and provide these logs to us within 24 hours of a request to do so as part of an investigation of a fraud incident. In the case of a suspected fraud, you agree to provide all necessary assistance and information to us, Interac, and/or the Interac Debit Card issuer necessary to investigate security incidents.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>Confidentiality of Interac Material</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">Any materials or information related to the Interac Requirements provided to you are confidential information of Interac, and you shall maintain such information in confidence and shall not disclose, or permit the disclosure of, such confidential information to any third party. You may use this information only for the purpose of fulfilling your obligations under your Merchant Agreement. You acknowledge that you will be liable hereunder for any breach of such confidentiality obligations. Your obligations in respect of these materials will survive termination of your Merchant Agreement.</span></p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Article X. UnionPay International</span></p>\n<p>If you accept UnionPay (\"UnionPay\", \"UPI\"), in addition to the terms and conditions set out in this agreement.&nbsp;</p>\n<p>&nbsp;(a) You authorize us to submit transactions to, and receivesettlement from, UPI.</p>\n<p>(b) You agree that (i) we may disclose Transaction Data, MerchantData, and other information about you to UPI; and (ii) UPI may use such information to conduct payment card transactions, and for authorization, clearing, settlement, analytical, fraud protection use, anti-money laundering  investigations and any other limited business uses as is necessary for the  UPI Network to function.</p>\n<p>(c) The UPI Acceptance Mark shall be displayed at all locations and at appropriate   prominent places. You agree to ensure that the display of UPI marks is as obvious as marks/logos of other similar Payment Card Networks. UPI lawfully and entirely owns all intellectual property rights in respect of each of the UPI Marks and only UPI Acceptance Marks provided by us can be used. Following termination,  you agree to remove all Marks displayed.</p>\n<p>(d) You agree not to use Transaction Receipts (paper or electronic),UPI logos or marks, UPI acceptance devices or services (including terminals, payment gateways, UPI QRCs, etc.) for purposes beyond the Merchant agreement, nor shall a third party not included in the agreement be allowed to use them.</p>\n<p>(e) You agree not to assign to any third party any payments due toyou under the Agreement and all indebtedness arising from Charges will be for bona fide sales of goods and services (or both) at your Establishments free of liens, claims, and encumbrances other than ordinary sales taxes; provided, however, that you may sell and assign future Transaction receivables to us or our affliated entities and/or any other cash advance funding source that has a commercial relationship with us or its affliated entities.</p>\n<p>&nbsp;(f) You agree to keep Transaction Receipts (paper or electronic) and original records related to transactions for at least one year. You agree to bear financial losses incurred due to inappropriate retention or loss of Transaction Receipts.</p>\n<p>(g) You may opt out of accepting UPI at any time without directlyor indirectly affecting your rights to accept Cards bearing Marks of other Card Networks.(h) You agree and acknowledge that deposits for valid UPItransactions are subject to China’s National Holiday schedule and as such will be delayed from time to time. Information about China’s National Holidays can be found at http://www.gov.cn.&nbsp;&nbsp;</p>\n<p>&nbsp;</p>\n<p></p>\n<p><span style=\"color: rgb(0,65,100);background-color: rgb(255,255,255);font-size: 22px;font-family: SimpleSansLight, Arial, sans-serif;\">Article XI. – TransArmor Data ProtectionServices</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">The TransArmor Data Protection Services (“TransArmor Data Protection Services”) are provided to you by First Data and not the Bank, and Bank is not liable to you in any way with respect to such services. For the purposes of this section, the words “we,” “our” and “us” refer only to First Data and not the Bank.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">1. <strong>TransArmor Service.</strong> The following is a description of the TransArmor Data Protection Services available to you, subject to the terms of this Agreement. The TransArmor Data Protection Services are available during a calendar year only if you have less than one (1) million Visa Card transactions and less than one (1) million Mastercard Card transactions in such year.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) Data Protection that provides encryption of card holder data at your payment environment and replaces the data with a token or randomly generated number;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">2. <strong>Fees.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) <strong>TransArmor Data Protection Services Fee.</strong> The fee for access to the TransArmor Data Protection Services is found in the Fee Schedule of the Merchant Processing Agreement. You understand and agree that the payment of your fees does not affect your compliance responsibilities and obligations associated with your Merchant Account. We may increase your fees for the TransArmor Data Protection Services as provided in your Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3. <strong>Data Protection.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.1 <strong>Definitions.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) “Multi-Pay Token” means the option to support businesses that need to submit a financial transaction in a card-not-present situation. These tokens are unique to each merchant that uses them and are stored in place of the primary account number (PAN);</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(b) “Registered PAN” means the processing of creating a Client specific Token for a PAN;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">“Token/ Tokenization” means a form of data substitution replacing sensitive payment card values with non-sensitive token, or random- number, values;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(d) “Token Request” means your ability to obtain a Multi-Pay Token for credit card information only without an immediate authorization required which permits you to store a Multi-Pay Token for future transactions involving its customer; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"> (e) “Data Protection Service” means those services described in Section 3.4.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.2 <strong>Eligible Point of Sale Device</strong>. The Data Protection Service can only be used with a point of sale device, gateway and/or VAR that are certified by us as Data Protection eligible. It is your responsibility to ensure that you have eligible equipment in order to use the services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.3 <strong>Grant of License.</strong> Subject to the terms of this Agreement, we grant to you a non-transferable, non-assignable, non-exclusive, revocable sub- license during the term of this Agreement to use the Data Protection Service and the Data Protection Service Marks (as identified in the Data Protection Rules and Procedures) in Canada in accordance with this Agreement, including without limitation the Data Protection Rules and Procedures. Upon expiration or termination of this Agreement for any reason, your license shall automatically be revoked. Furthermore, your right to use or access the Data Protection Service shall cease.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.4 <strong>Services.</strong> The Data Protection Service only applies to Card transactions sent from you to us for authorization and settlement pursuant to the Agreement, and specifically excludes electronic check transactions.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.5 <strong>Responsibilities of Client.</strong> You are responsible to comply with the following regarding your use of the Data Protection Service:</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) You are required to comply with the Card Organization Rules, including taking all steps required to comply with the Payment Card Industry Data Security Standards (PCI DSS). You must ensure that all third parties and software use by you in connection with your payment processing are compliant with PCI DSS. Use of the Data Protection Service will not, on its own, cause you to be compliant or eliminate your obligations to comply with PCI DSS or any other Card Organization Rule. You must demonstrate and maintain your current PCI DSS compliance certification. Compliance must be validated either by a Qualified Security Assessor (QSA) with corresponding Report on Compliance (ROC) or by successful completion of the applicable PCI DSS Self-Assessment Questionnaire (SAQ) or Report on Compliance (ROC), as applicable, and if applicable to your business, passing quarterly network scans performed by an Approved Scan Vendor, all in accordance with Card Organization Rules and PCI DSS.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(b) Use of the Data Protection Service is not a guarantee against an unauthorized breach of your point of sale systems or any facility where you process and /or store transaction data (collectively, “Merchant Systems”).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(c) You must deploy the Data Protection Service (including implementing any upgrades to such service within a commercially reasonable period of time after receipt of such upgrades) throughout your Merchant Systems including replacing existing Card numbers on your Merchant Systems with Tokens. Full Card numbers must never be retained, whether in electronic form or hard copy.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(d) You must use the Token in lieu of the Card number for all activities subsequent to receipt of the authorization response associated with the transaction, including without limitation, settlement processing, retrieval processing, chargeback and adjustment processing and transaction reviews.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(e) If you send or receive batch files containing completed Card transaction information to/from us, you must use the service provided by us to enable such files to contain only Tokens or truncated information.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(f) You must use truncated report viewing and data extract creation within reporting tools provided by us.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(g) You are required to follow rules or procedures we may provide to you from time to time related to your use of the Data Protection Service (“Data Protection Rules and Procedures”).</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(h) You will use only unaltered version(s) of the Data Protection Service and will not use, operate or combine the Data Protection Service or any related software, materials or documentation, or any derivative works thereof with other products, materials or services in a manner inconsistent with the uses contemplated in this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(i) You will promptly notify us of a breach of any these terms.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.6 <strong>Tokenization Limited Warranty. </strong>We warrant that the Token returned to you, as a result of using the Data Protection Service, cannot be used to initiate a financial sale transaction by an unauthorized entity/person outside the Merchant Systems. This warranty is referred to herein as the “Limited Warranty” and is subject to the terms and conditions set forth in this Agreement. To be eligible for the Limited Warranty, you must maintain a processing relationship with us and be in compliance with all the terms of the Agreement, and any other agreement relating to Cards eligible for the Data Protection Service. Subject to the terms, conditions and limitations set forth in the Agreement, we agree to indemnify and hold you harmless from direct damages, including third party claims, resulting from our breach of the Limited Warranty. The express remedy for our breach of the Limited Warranty set forth in this paragraph constitutes our entire liability and your sole and exclusive remedy for our breach of the Limited Warranty. The Limited Warranty is void if (i) you use the Data Protection Service in a manner not contemplated by, or in violation of, the Agreement, including this Agreement, or any other agreement relating to Cards eligible for the Data Protection Service or (ii) you are grossly negligent or engage in intentional misconduct.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">3.6.1 <strong>Definitions:</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) “Cardholder Information” means the data contained on a Card, or otherwise provided to Customer, that is required by the Card Organization or us in order to process, approve and/or settle a Card transaction;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(b) “Card Organization Assessment” means a monetary assessment, fee, fine or penalty levied against you or us by a Card Organization as the result of (i) a Data Security Event or (ii) a security assessment conducted as the result of a Data Security Event; the Card Organizational Assessment shall not exceed the maximum monetary assessment, fee, fine or penalty permitted upon the occurrence of a Data Security Event by the applicable rules or agreement in effect as of the inception date of this Agreement for such Card Organization;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(c) “Card Replacement Expenses” means the costs that the we or you are required to be paid by the Card Organization to replace compromised Cards as the result of (i) a Data Security Event or (ii) a security assessment conducted as the result of a Data Security Event;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(d) “Data Security Event” means the actual or suspected unauthorized access to or use of Cardholder Information, arising out of your possession of or access to such Cardholder Information, which has been reported (i) to a Card Organization by you or us or (ii) to you or us by a Card Organization. All Security Event Expenses and Post Event Services Expenses resulting from the same, continuous, related or repeated event or which arise from the same, related or common nexus of facts, will be deemed to arise out of one Data Security Event;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(e) “Forensic Audit Expenses” means the costs of a security assessment conducted by a qualified security assessor approved by a Card Organization or PCI Security Standards Council to determine the cause and extent of a Data Security event;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(f) “Pollutants” means, but are not limited to, any solid, liquid, gaseous, biological, radiological or thermal irritant or contaminant, including smoke, vapor, dust, fibers, mold, spores, fungi, germs, soot, fumes, asbestos, acids, alkalis, chemicals and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned or reclaimed and nuclear materials; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(g) “Post Event Services Expenses” means reasonable fees and expenses incurred by us or you with our prior written consent, for any service specifically approved by us in writing, including without limitation, identity theft education and assistance and credit file monitoring. Such services must be provided by or on behalf of us or you within one (1) year following discovery of a Data Security Event to a Cardholder whose Cardholder Information is the subject of that Data Security Event for the primary purpose of mitigating the effects of such Data Security Event;</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(h) “Program Year” means the period from June 1st through May 31st of each year; and</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(i) “Security Event Expenses” means Card Organization Assessments, Forensic Audit Expenses and Card Replacement Expenses.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">4. <strong>Duties in the Event of a Data Security Breach.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(a) You shall contact us immediately and, as directed by us, investigate, perform all remedial events and cooperate fully with us, in the event of a Data Security Event. In all events, you shall not take any action, or fail to take any action, without our prior written consent, which prejudices our rights hereunder.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">(b)Under all circumstances, you shall not admit any liability, assume any financial obligation, pay any money, or incur any expense in connection with any Data Security Event without our prior written consent. If you do so, it will be at your own expense.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">5. <strong>Processor Technology and IP.</strong> All technology used by us or our licensors in connection with performing the TransArmor Data Protection Services including, software, portals, data processing systems (each of the foregoing, in object code and source code form), report templates, documentation and materials (collectively, “Processor Technology”), and any of our or our licensor’s patents, trademarks, copyrights, trade secrets and other intellectual property (“Processor IP”), and any derivative works of or modifications to the Processor Technology or Processor IP, is the sole and exclusive property of, and is valuable, confidential and proprietary to, Processor or its licensors. Except as otherwise expressly provided herein, you shall not acquire any rights in any Processor Technology or IP as a result of receiving the TransArmor Data Protection Services. You will not file any action, in any forum that challenges the ownership any of the TransArmor Data Protection Services, Processor Technology or Processor IP. Failure to comply with this provision will constitute a material breach of this Agreement. We have the right to immediately terminate your access to and use of the TransArmor Data Protection Services in the event of a challenge by you. No additional rights are granted by implication, estoppel or otherwise.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">6. <strong>Data Collection.</strong> In the course of providing the TransArmor Data Protection Services, we may collect information relating to activities on your network (the “Data”) including, but not limited to, network configuration, TCP/ IP packet headers and contents, log files, malicious codes, and Trojan horses. We retain the right to use the Data or aggregations thereof for any reasonable purpose.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">7. <strong>Service Does Not Guarantee Compliance or Security.</strong> You acknowledge and agree that your use of the TransArmor Data Protection Services does not guarantee your compliance with any of the rules or security standards established by the Card Organizations. You further acknowledge and agree that your use of the TransArmor Data Protection Services does not guarantee the security of your IP addresses or that your systems are secure from unauthorized access. You are responsible for establishing and maintaining your own security policies and procedures, and for compliance with the Card Organization Rules and security standards, including any obligation to notify a Card Organization and/or us of any suspected breach of your systems or any suspicious transactions or fraudulent activity. You are responsible for any fines or penalties imposed by any Card Organization any other expenses and liabilities pursuant to the Agreement. In the event of a suspected breach of your systems or any suspicious transactions or fraudulent activity, you authorize us to share the details of any questionnaire or compliance report with the Card Organizations, and grant us and our vendors the right to access and perform a scan of the IP addresses identified within your profile. You agree and authorize payment for the additional scan. You further agree to cooperate with an investigation into such matter to include complying with the Card Organization and us pursuant to the terms of the Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">In addition to your obligations under the Agreement to comply with all laws, you are solely responsible for monitoring legal developments applicable to the operation of your business, interpreting applicable laws and regulations, determining the requirements for compliance with all applicable laws and regulations, and maintaining an on-going compliance program.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">8. <strong>Use of TransArmor Data Protection Services and Portals.</strong> Your use of our or our vendors’ services, portals, and reports is subject to the following restrictions: (i) TransArmor Data Protection Services, portals, and reports may only be used for the stated purposes in this Agreement for your internal business purposes in accordance with all applicable laws (including any export control laws); and (ii) TransArmor Data Protection Services you shall limit access to the portals to only those employees and/or contractors who  have an obligation of confidentiality with you and only to those who have a requirement for such access on a “need to know” basis and you shall be solely responsible for disabling portals accounts for those employees and /or contractors who no longer require access. You shall promptly notify us of any unauthorized use of the TransArmor Data Protection Services. You shall not (i) decompile, reverse engineer, disassemble, or otherwise derive the source code from any component of the TransArmor Data Protection Services or portals including the software embedded therein; (ii) modify, enhance, translate, alter, tamper with, upgrade or create derivatives works of the portals, software or documentation; (iii) distribute, lease, license, sell, assign, sublicense or otherwise disseminate or transfer its rights to use any portion of the TransArmor Data Protection Services to any third party or (iv) strip out or alter any trademark, service mark, copyright, patent, trade secret, ownership or any other proprietary or Intellectual Property notices, legends, warnings, markings or indications on or within any component of the portals, software or documentation, or attempt (i), (ii), (iii) and/or (iv) above. You shall notify us immediately if you know, suspect or have reason to know that you or anyone you have granted access to the TransArmor Data Protection Services violated any provision of this Agreement. Further you agree not to share your personal information (DDA, tax ID, MID, etc.) with a third party so they may gain access to the TransArmor Data Protection Services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">9. <strong>Disclaimers.</strong> We do not make and hereby expressly disclaim all representations or warranties including, without limitation (i) that access to the TransArmor Data Protection Services will be uninterrupted or error free; (ii) that security breaches will not occur with respect to any information communicated through the TransArmor Data Protection Services, the Internet, or any common carrier communications facility; and (iii) as to the results that may or may not be obtained by you in connection with your use of the TransArmor Data Protection Services. <strong>WE DO NOT MAKE ANY WARRANTY, GUARANTEE OR REPRESEN- TATION (EITHER EXPRESS OR IMPLIED) OF ANY KIND INCLUDING, WITHOUT LIMITATION, THE MERCHANTABILITY, TITLE, NONIN- FRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OF ANY SERVICES PROVIDED UNDER THIS AGREEMENT, AND ALL SUCH WARRANTIES, GUARANTEES AND REPRESENTATIONS ARE HEREBY EXPRESSLY DISCLAIMED. ALL SERVICES PROVIDED UNDER THIS AGREEMENT ARE PROVIDED ON AN “AS-IS, WITH ALL FAULTS”.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\"><strong>USE OF THE SERVICES DOES NOT GUARANTY SECURITY OR PREVENT A SECURITY BREACH OR COMPROMISE. WE MAKE NO WARRANTIES, EITHER EXPRESSED OR IMPLIED THAT PARTICI- PATION AND/OR USE OF OUR SERVICES WILL DETECT EVERY VULNERABILITY ON YOUR SYSTEM, IF ANY, OR THAT OUR VULNERABILITY ASSESSMENTS, SUGGESTED SOLUTIONS OR ADVICE WILL BE ERROR-FREE OR COMPLETE. CUSTOMER AGREES THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR THE ACCURACY OR USEFULNESS OF ANY INFORMATION PROVIDED BY US, OR FOR ANY USE OF SUCH INFORMATION.</strong></span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">You acknowledge and agree that we shall not be liable to you for any claims, damages, losses, obligations, costs or expenses or other liability arising directly or indirectly from or otherwise concerning (i) any termination, suspension, delay or disruption of service (including billing for a service) by the Internet, any common carrier or any third party service provider; (ii) any failure, disruption or malfunction of any of the TransArmor Data Protection Services, the Internet, or any communications network, facility or equipment beyond our or a third party’s reasonable control, whether or not attributable to one or more common carriers; (iii) your failed attempts to access the TransArmor Data Protection Services or to complete transactions via any of the TransArmor Data Protection Services; (iv) any failure to transmit, obtain or collect data or for human, machine or software errors or faulty or erroneous input by you; (v) any damages resulting from any delays and/or losses arising in connection with the TransArmor Data Protection Services provided hereunder; or (vi) any loss of or inability to access data or information stored or generated by TransArmor Data Protection  Services.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">10. <strong>Limitation of Liability.</strong> Notwithstanding anything to the contrary in this Agreement or elsewhere, our cumulative liability to you for any claim related to this Agreement, and your use of TransArmor Data Protection Services (whether arising from tort, statute, contract or otherwise) shall in all cases be limited to the actual, direct and proven out-of-pocket losses, damages or expenses suffered or incurred by you. Furthermore, our cumulative liability to you shall not, in any case, exceed the TransArmor Services Fees paid to us by you during the 12 month period immediately preceding the date the event giving rise to the claim occurred. Notwithstanding anything to the contrary in this Agreement or elsewhere, in no event shall we be liable to you or to any third party for any indirect, special, incidental, consequential, punitive or unproven losses, damages or expenses of any kind, including, without limitation, lost profits or loss of goodwill arising from the use or inability to use TransArmor Data Protection Services including, without limitation, the inability to access your data or information generated or stored on TransArmor Data Protection Services, and regardless of whether such claim arises in tort, in contract or by statute or regulation, each of which is hereby excluded, regardless of whether such damages were foreseeable or whether you have been advised of the possibility of such damages. The parties acknowledge and agree that the provisions and limitations of this Section are of the essence of this Agreement and that absent them, the parties would not have agreed to this Agreement.</span></p>\n<p><span style=\"color: rgb(66,66,66);background-color: rgb(255,255,255);font-family: inherit;\">11. <strong>Miscellaneous; Termination. </strong>Except as may be provided in the Agreement, a person who is not a party to this Agreement, shall have no rights or remedies under this Agreement. Our obligations hereunder are subject to our ability to obtain and maintain any and all required governmental licenses, permits or other authorizations, and our ability to comply with any and all laws, regulations, orders and other governmental directives which may be imposed related to the TransArmor Data Protection Services. We may terminate any or all of the TransArmor Data Protection Services at any time for any reason.</span></p>\n<h4><strong>Article XII. - PCI Rapid Comply Service</strong>&nbsp;</h4>\n<p>PCI Rapid Comply Services (\"PCI Rapid Comply Services\")  are provided to you by First Data and not the Ba nk, and Bank is not liable to you in any way with respect to such services. For the purposes of this  section, the words \"we,\" \"our\" and \" us\" refer only to First Data and not the Bank.</p>\n<p>1. <strong>PCI Rapid Comply Services.</strong> If you elect to enroll, PCI Rapid Comply Services are available to you, subject to the terms of this Agreement. As a subscriber of PCI Rapid Comply Services:</p>\n<p>(a) We give you access to tools that you can use to help you meet your PCI DSS compliance obligations. PCI Rapid Comply provides access to on-line PCI DSS Self-Assessment Questionnaires (SAQ) to validate PCI data standards. If an internet scan is required to complete the SAQ, you will have access to such scanning services. PCI Rapid Comply does not include a Liability Warranty.</p>\n<p>(b) Your use of PCI Rapid Comply Services does not (a) guarantee compliance with any laws, Card Organization Rules, or applicable standards (including the PCI DSS), (b) affect your obligation to comply with laws, Card Organization Rules, and applicable standards (including the PCI DSS), or (c) guarantee protection against a Data Security Event. We make no promise that use of PCI Rapid Comply Services will detect every vulnerability on your system, or that our vulnerability assessments, suggested solutions, or advice are error-free or complete. You agree that we are not responsible or liable for the accuracy or completeness of any information provided by us. Your use of PCI Rapid Comply Services involves inherent risks, including system performance, availability, and data corruption. You have sole responsibility to backup and/or otherwise protect your data, systems, and service.</p>\n<p>(c) You further acknowledge and agree that your use of PCI Rapid Comply Services does not guarantee the security of your IP addresses or that your systems are secure from unauthorized access. You are responsible for establishing and maintaining your own security policies and procedures, and for compliance with the Card Organization Rules and security standards, including any obligation to notify a Card Organization and/or us of any suspected breach of your systems or any suspicious transactions or fraudulent activity. You are responsible for any fines or penalties imposed by any Card Organization any other expenses and liabilities pursuant to the Agreement. .In the event of a suspected breach of your systems or any suspicious transactions or fraudulent activity, you authorize us to share the details of any questionnaire or compliance report with the Card Organizations, and grant us and our vendors the right to access and perform a scan of the IP addresses identified within your profile. You agree and authorize payment for the additional scan. You further agree to cooperate with an investigation into such matter to include complying with the Card Organization and us pursuant to the terms of the Agreement.</p>\n<p>In addition to your obligations under the Agreement to comply with all laws, you are solely responsible for monitoring legal developments applicable to the operation of your business, interpreting applicable laws and regulations, determining the requirements for compliance with all applicable laws and regulations, and maintaining an on-going compliance program.</p>\n<p>2. <strong>Fees.</strong></p>\n<p>(a) <strong>PCI Rapid Comply Services Fee.</strong> The fee for access to PCI Rapid Comply Services is provided on your Merchant Processing Agreement. You understand and agree that the payment of your fees does not affect your compliance responsibilities and obligations associated with your Merchant Account. We may increase your fees for PCI Rapid Comply Services as provided in your Agreement.</p>\n<p>(b) <strong>Compliance Fee.</strong> Clients opting out of the PCI Rapid Comply Services will be charged a Compliance Fee. The Compliance Fee covers our costs for systems maintenance and upgrades, mandatory IRS reporting, as well as costs associated with our required tracking and reporting of your PCI compliance. We will provide a monthly vulnerability “scan,” if required, of up to 5 IP addresses. Additional required scans are your responsibility. Payment of the Compliance Fee does not discharge your responsibility to maintain PCI DSS compliance at all times.</p>\n<p>(c) <strong>Non-Receipt of PCI Validation Fee.</strong> You will be charged a monthly Non-Receipt of PCI Validation fee unless, within 60 days from the date this Agreement is submitted with your signature and on an annual basis after that:</p>\n<p>1. you obtain any quarterly or other periodic PCI-approved vulnerability scans that the Card Organization Rules require you to obtain (for example, if you accept Internet transactions);</p>\n<p>2. you remediate vulnerabilities identified by your scans in ways that enable you to comply with the Card Organization Rules and applicable standards (including the PCI DSS); and</p>\n<p>3. you confirm that you are following certain data security protocols by (i) completing an online self-assessment questionnaire, which we will make available to you, regarding yo