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General Terms and Conditions - Acquirer

Our acquirers (bank) have their own General Terms and Conditions, which are just as important as our General Terms and Conditions. For this reason, you can download them:

General Terms & Conditions - Wirecard
General Terms & Conditions - Credorax
General Terms & Conditions - Klik & Pay

secured-pay General Terms and Conditions (since 2016-12-08)

We also have our own General Terms and Conditions. You can download or view our General Terms and Conditions in PDF. You can also download our terms and conditions as a PDF, or view them below.

1. Service Offer

secured-pay GmbH (hereinafter – secured-pay) is a technical service provider in the field of electronic processing of cashless payments via credit card, debit transactions (hereinafter – card transactions) or PayPal on the Internet. For this purpose, secured-pay has developed a software (hereinafter – secured-pay application), which can be accessed by the contractual party (hereinafter – merchant) on the Internet to initiate credit card transactions. The important functionality of the secured-pay application is to receive the transaction data collected by or through the merchant and to forward it to the respective third party, agreed on by the parties, who processes the credit card transactions on behalf of the merchant (hereinafter – payment service provider). The contractual relationships with the payment service providers, necessary for the processing and clearing of credit card transactions, are maintained by the merchant. secured-pay does not enter into possession of the funds to be transferred (Section 1, Par. 10, No. 9 ZAG [Payment Services Regulation Act]). The secured-pay application can be accessed by means of an application service providing via a data processing interface established by secured-pay for this purpose (hereinafter – interface). The merchant’s data processing systems are connected to the interface by the merchant in accordance with the documentation about the secured-pay application available at and (hereinafter – documentation). The secured-pay application, the interface, and the documentation will be referred to collectively as the secured-pay platform.

2. Subject Matter of the Agreement

2.1 Under this contract between secured-pay and the merchant, the secured-pay platform for
the merchant is provided by secured-pay in accordance with the merchant contract issued by secured-pay and the secured-pay GmbH terms and conditions (hereinafter "the Agreement" or "this Agreement"). Technical arrangements for "MOTO payments (Mail Order / Telephone Order) will only be covered by this contract if secured-pay has explicitly agreed this with the merchant.
The secured-pay platform has the functionality described in the documentation. The interconnection point for the data to be transferred between the parties is the address of the interface function on the secured-pay platform in the data processing center.

2.2 The connection of the data processing systems used by the merchant to each of the Internet and the interface is not part of the services to be provided by secured-pay and falls within the sole responsibility of the merchant.

2.3 secured-pay’s service obligation is limited to the forwarding of data provided via the secured-pay platform, in unchanged form, to the respective payment service provider and forwarding of data received from the payment service provider for the merchant, in unchanged form, to the merchant. secured-pay is allowed to involve a third party for the provision of its services. secured-pay is not responsible for the accuracy and completeness of the data to be transmitted.

2.4 secured-pay is responsible for the security of credit card data within secured-pay's area of influence. This extends to data which secured-pay stores, processes or transmits for the merchant in the course of service provision, or such data or information where the security of the merchant's saved/processed credit card could be interfered with.

3. Right of use

3.1 The merchant receives the right of use to the secured-pay platform limited to the duration of the contract, territorially restricted to the following countries, which is non-exclusive, non- sublicensable, non- transferrable and non-assignable. Countries in scope: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Rep., Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UK, Vatikan City (State). The right of use is valid for access to the platform via the Internet and for use of the functionalities associated with the secured-pay platform in accordance with the regulations of this contract and the documentation. The merchant shall be entitled to use the documentation solely for the connection of the utilized data processing system to the secured-pay platform and to store the data transmitted to the merchant via the secured-pay platform on its data processing system or a data processing system of a third party authorized by the merchant.

3.2 The right of use granted to the merchant by secured-pay is limited exclusively to the processing on payment on the Internet. However, the processing of sales requires that the merchant has a respective agreement with a payment service provider, which entitle the merchant to accept payments with payment tools as granted by him in a separate agreement. Such right is not granted hereby; it can only be agreed separately between the merchant and one payment service providers.

3.3 The merchant shall not,

3.3.1 reverse engineer an object code form of a part of the secured-pay application;

3.3.2 provide to third parties the rights of use to the secured-pay platform as well as to the individual elements of the secured-pay platform, whether by renting, lending or by granting sub- licences, unless secured-pay has previously approved this explicitly in writing.

3.4 Rights other than those mentioned in these conditions are not granted. Paragraph 7 of these terms and conditions shall remain unaffected.

4. Updates / New Releases

4.1 secured-pay is entitled, at any time, even without the consent of the merchant, to make or order changes to the secured-pay platform (updates and/or new releases). These changes should be created by secured-pay in such a way as to not limit the contracted services.

4.2 The merchant shall be obligated to install immediately the provided changes to the secured-pay platform (updates and/or new releases) to guarantee the contracted services.

4.3 secured-pay will communicate major updates and/or new releases via letter or email to the merchant in due time.

5. Warranty and Liability

5.1 secured-pay warrants to the merchant that it is authorized to grant the use set forth in this agreement to the merchant. The merchant shall ensure that the secured-pay platform is used solely in accordance with this agreement. secured-pay points out that for technical reasons it is not possible to ensure continuous system availability. secured-pay is not liable for errors resulting from the provision of telecommunication and/or Internet while establishing the connection to the secured-pay platform (for example, as a result of line overload).

5.2 The warranty of secured-pay is limited to fixing interface defects by rectification. secured-pay is liable only for the replacement of data if the merchant has ensured that it is economically viable to recover the data from data material with reasonable effort. secured-pay’s liability is excluded if damage is related to the use of interface information that is out of date or has been inadmissibly changed by the merchant as compared to the original interface version, or related to the interrupted connection to the secured-pay platform, unless the merchant can prove that the interruption is based on circumstances secured-pay is responsible for.

5.3 secured-pay’s liability is further excluded if damage is related to the interrupted connection to the secured-pay platform, unless the merchant can prove that the interruption is based on circumstances secured-pay is responsible for.

5.4 secured-pay is not liable for the accuracy and completeness of data submitted by the merchant, payment service providers and other third parties, and/or taken from public directories, and for data managed by it or any third party. The foregoing limitation of liability applies particularly to information with incorrect or incomplete content, auditory errors, input errors, transfer and transmission errors, identity confusion, especially in consequence of incomplete personal data, incorrect or incomplete information as a result of technical defects, and restrictions or failures of the readiness to provide information for technical reasons.

5.5 In all other cases, secured-pay is liable for intent and gross negligence in full scope. For other negligent actions, secured-pay is liable solely for

  • personal injury,-
  • damage, for which secured-pay is responsible due to mandatory statutory provisions, and
  • damage due to the breach of material obligations, which endangers the achievement of the purpose of this agreement and/or the performance of which enables the proper implementation of this agreement and/or on which the merchant may rely regularly (cardinal obligations). In the event of a breach of cardinal obligations, secured-pay’s liability for simple negligence is limited to damages which are typical in relation to this agreement and foreseeable at the time this agreement was concluded.

5.6 secured-pay is not liable for damages that occur by force majeure, riots, war and natural events or by other circumstances that secured-pay is not responsible for (e.g. strikes, lockouts, disruptions of transit, official or administrative orders domestically and abroad).

5.7 secured-pay’s liability for loss of profit is excluded. This does not apply in the case of deliberate actions by secured-pay.

6. Compensation; Reimbursement of expenses

6.1 The merchant’s due fees and charges to be paid for secured-pay‘s services under this Agreement (hereinafter "remuneration") arise from the "price list" ( unless otherwise explicitly agreed in writing to the contrary between secured-pay and the merchant in individual cases. The rates in the "Prices and Services" charges and prices are calculated in EUROS plus any VAT at the statutory rate, as far as this is applicable.

6.2 For provision of services, by law or pursuant to a contractual accessory obligation or which it performs in its own interest, secured-pay is not charged with any fee, unless it is permitted by law and will be charged in accordance with the legal provisions.

6.3 Changes in charges for services, which are typically taken from the merchant in the context of the business relationship on a permanent basis (in particular for the use of the secured-pay platform), are agreed with the customer no later than six weeks before the proposed effective date in writing or by electronic communication with the merchant. The merchant’s agreement shall be deemed given, if he has not objected before the proposed effective date of the change. secured-pay shall inform the merchant of this de facto acceptance in its notice.

6.4 The merchant may only set off undisputed or legally established claims against claims of secured-pay. The exercise of a right of lien by the merchant is excluded.

6.5 In other cases, as far as a payment by SEPA Direct Debit has been agreed and the merchant has granted secured-pay an appropriate SEPA Direct Debit Mandate, in addition, the following applies:
The merchant is obliged to provide sufficient funds in the account designated in the SEPA mandate and ensure that the amounts due may be taken by secured-pay. This obligation shall also apply in individual cases where the merchant has not given advance notification, or not given it in time.
Note: The debited amount may vary in individual cases from the amount provided in the statement or in the preliminary information.

6.6 A possible claim of secured-pay for reimbursement of expenses is subject to the statutory provisions.

6.7 Costs and expenses arising from debit payments, which incur charges through lack of funds or the merchant giving wrong account details are to be borne by the merchant, in particular in the case of non-payment of a direct debit to the secured-pay bank, the merchant shall be charged a fee passed on by secured-pay bank to the debit submitter.

7. Obligations of the Merchant

7.1 The merchant will refrain from obtaining, itself or through unauthorized third parties, information or data without authorization or intervening in or allowing others to intervene in programs operated by secured-pay or invading networks of secured-pay without authorization.

7.2 The merchant must ensure at any time that there are adequate funds for debit payments.

7.3 The merchant must obtain any necessary authorizations from its customers for the required transfers of information within the scope of the services offered by secured-pay. The merchant is responsible for the legally compliant collation, storage and transmission of its customers' information (in particular personal data) to secured-pay. The merchant shall notify its customers about the handling of the information within the scope of a data privacy statement.

7.4 The merchant shall be obligated to inform its customers that its services are charged through the payment service provider. Should the customer or contract partner make claims against secured-pay arising from the billing relationship, the merchant shall indemnify secured-pay from all claims or demands internally.

7.5 The merchant shall be obligated to manage passwords and login details for the secured-pay platform in a secure and confidential manner. The merchant is not permitted to disclose such information or make it available to third parties. If passwords or login data are used by unauthorized persons, the merchant is liable for use contrary to this agreement and any damages or losses caused thereby.

7.6 The merchant is only obliged to enter data to process "MOTO payments" (Mail Order / Telephone Order) on the secured-pay platform if secured-pay has previously explicitly sought their consent to do so.

7.7 The merchant shall be obligated to specify all the information requested at the time this agreement is concluded truthfully and completely and to designate a valid and accessible e-mail address to receive messages from secured-pay during the contractual relationship. This includes details of changes of the merchant master data (bank data, company form, address, contact information, company data) as well as changes of these terms and conditions. The merchant has to inform immediately of any change of e-mail address. If the merchant fails to do so, secured-pay is not responsible for any difficulties and disadvantages of the merchant.

7.8 The merchant undertakes to notify secured-pay without delay of the intended suspension of its services, as well as impending insolvency within the meaning of Section 18, Par. 2 InsO (Insolvency Act).

7.9 The merchant undertakes to protect its licensing data (public/private key) and not to pass it on to third parties.

7.10 secured-pay assigns the merchant one or more categories of traders Merchant Category Codes (MCC) in consultation where appropriate, with the merchant’s chosen payment service provider for processing card transactions based on the business information provided by the merchant, The assignment of the respective MCC is made at secured-pay’s discretion, in consultation where appropriate with the merchant’s chosen payment service provider, taking into account the rules of the card organizations. secured-pay has the right to change the category in consultation where appropriate, with the merchant’s chosen payment service at any time, if and insofar as secured-pay deems it necessary based on a re-examination of the merchant and taking into account the merchant’s legitimate interest. Regardless of this possibility and right, the merchant must notify any changes in its operations such as and not limited to: new activity, new site, new category of products or services, new territory in regulated activities, ....
The merchant shall be responsible for the accuracy of the information provided at the beginning or
during the term of this Agreement. The merchant is obliged to submit filed transaction data on the secured-pay platform only to the assigned MCC from secured-pay.

8. Third-party Claims; Information Obligations; Release

8.1 The merchant shall immediately inform secured-pay of any knowledge about the possible infringement of proprietary rights. Also, secured-pay will immediately inform the merchant of any copyright infringement. If claims are made or to be expected against the merchant, secured-pay can change or replace the secured-pay platform at its cost to an extent reasonable for the merchant. If this or the obtaining of a right of use is not possible with reasonable effort, the contracting party may terminate the agreement extraordinarily in writing without any notice.

8.2 The merchant agrees to indemnify secured-pay in the internal relationship from all possible claims of third parties based on illegal or uncontractual acts of the merchant or content errors in information provided by the merchant or concerning the Internet domain used by the merchant. This applies in particular to copyright, trademark, privacy, antitrust infringements and other violations of statutory provisions (e.g. StGB [German Penal Code]) or rules and regulations of institutions.

9. Adherence to legal Provisions

9.1 The merchant undertakes to strictly adhere to statutory provisions in its offers. In particular, it will not offer illegal content. In particular, it will not offer any content, services, or similar in violation of § 284 StGB (unauthorized organization of gambling), § 130 StGB (proliferation of the glorification of violence) and § 184 StGB (distribution, acquisition and possession of child pornography publications). In addition, secured-pay excludes certain product categories from the outset, such as and not limited to :

  • Night clubs
  • Erotic bars
  • Striptease pubs / bars
  • Swinger clubs
  • Brothels / bars in the red district or shady environments
  • Restaurants / bars in the red light district or shady environments
  • Arcades/casinos
  • Sale of weapons
  • or anything pertaining to the above categories

9.2 The merchant is further obliged not to publish any wrong or misleading information about its offer, in particular when offering paid services on the Internet, to designate them accordingly and not to offer them as “free content”. Furthermore, the merchant is obliged not to spam.

9.3 In the case of violations of the above provisions, secured-pay is allowed to cancel the contractual relationship with the merchant at any time without any notice period and to interrupt the connection to the secured-pay platform without prior notice. In the event of a breach of the above provisions, the merchant shall be liable to secured-pay for the resulting damages and has to indemnify secured-pay in the internal relationship from any claims of third parties.

10. Duties of Confidentiality and Data Protection

10.1 The merchants and secured-pay undertake to maintain both secrecy and confidentiality with respect to customer information of the other party. The parties further undertake to keep all of the data and information known as a result of the contractual business confidential, to use only in the context of the existing contract, and not to make accessible to third parties. This does not cover situations in which the respective party is legally obliged to transfer the data.

10.2 secured-pay is allowed to release the name or business name of the merchant to third parties as a reference. This applies in particular to the announcement of the offer of the merchant with the logo of the merchant and the mention of its name or company name on websites, in brochures and other documents of secured-pay. However, this does not result in any publication obligation for secured-pay. If the referencing or disclosure should not occur, the merchant must inform secured-pay in writing or by e-mail. The obligation of secrecy in 10.1 remains unaffected.

10.3 The parties further undertake to ensure data protection within the meaning of the applicable data protection regulations and to maintain, as well as to ensure the confidentiality, availability, and the correctness of the data. In particular, the parties are obliged to ensure the protection of their computer systems against unauthorized and accidental destruction, accidental loss, counterfeiting, theft, unlawful use, unauthorized change and copying of data, unauthorized access to the data and other unauthorized edits, as well as against technical failure adequately in accordance with latest technology standards.

11. Duration of the Contract

This agreement begins with the conclusion of this agreement by the parties after secured-pay has notified the merchant of his/her successful completion of the risk assessment or of the settlement of a certain payment method (e.g. PayPal, credit card) which may differ from the agreed start of term of the contract. The contract has an indefinite term and can be terminated by both parties at any time with a term of one month to the end of the month. The right to extraordinary termination for important reason remains unaffected. secured-pay is entitled thereto, in particular in the event of unauthorized interventions of the merchant in the secured-pay platform and violation of the obligations referred to in paragraph 3.3. At contract termination, the merchant has to stop using the secured-pay platform immediately and return the documentation provided forthwith. Any expenses and costs arising from the merchant’s termination of the contract (e.g. data migration to a new service provider) shall be borne by the merchant. For the duration of the contract and the period afterwards, secured-pay and the partners undertake to treat all received data according to the applicable data protection provisions.

12. Contract Changes

Under these terms and conditions secured-pay is allowed for the purposes of simplifying and accelerating its business in view of the multitude of contracts with merchants to change this contract, as well as the documentation by unilateral declaration to the merchant in writing or in text form. The change becomes effective when the merchant does not object to the change declaration within 6 weeks after its receipt.
secured-pay undertakes to instruct the merchant in the event of change declaration about the special significance of the merchant’s behavior after receipt of the declaration.

13. Miscellaneous

13.1 The presentation of the services of secured-pay on the Internet does not represent a binding offer from secured-pay. This agreement is concluded upon its signature by both parties or, in the event of online conclusion, upon confirmation by the merchant in the provided place for acceptance of these terms and conditions and after corresponding confirmation from secured-pay.

13.2 secured-pay has the right to involve third parties in the performance of its obligations arising from this agreement. secured-pay may require that certain processing steps are carried out directly through such third parties, completely or partially. The merchant is not allowed to involve third parties in the performance of the duties under this agreement without the express written consent of secured-pay.

13.3 Supplementary agreements, changes or additions must be made in writing or in text form, in cases specified herein, to be effective.

14. Severability clause

14.1 Should one or several provisions of these general terms and conditions be or become invalid or prove to be unenforceable, this shall not affect the validity of the other provisions. In this case, the contracting parties shall replace the invalid or unenforceable provision by another provision that comes closest to the economically intended purpose. The same applies in the case of a regulatory gap.

14.2 This contract is subject to German law. The place of performance for the services of secured-pay is the place of the registered office of secured-pay. Place of jurisdiction for all disputes arising between secured-pay and the merchant is also the registered office of secured-pay, or by choice of secured-pay the registered office of the merchant.