This document sets out the Terms and conditions that apply when you use your payware PI Integration Partner account to transmit payment transaction information on behalf of one or more payware Payment Institution Accounts. We call it our "PI Integration Partner Payment Information Exchange Terms" (or just the "Terms" or the "Agreement" in this document).
This Agreement is a "Specific Agreement" as defined in the payware Framework Agreement and is subject to the hierarchy of documents, parties definitions, and general provisions set out therein.
These Terms apply in conjunction with the payware PI Integration Partner Account Terms. If there is any inconsistency between the payware PI Integration Partner Account Terms and these Terms, these Terms will apply in respect of the inconsistency.
To use the Services (as defined in Section C.1 of the Framework Agreement), you must have, and continue to have, a payware Business account. If your payware Business account is closed, you will no longer be able to use the Services.
To use the Services, you must also apply to, and be accepted by, us. If we accept your application, we will activate your "Business Account" of PIIP Account type, which is used to access the Services.
To apply to use the Services, you must provide us with the Information we request about your business. This might include:
The general onboarding and ongoing review provisions set out in Section C.13 of the Framework Agreement apply to your use of the Services.
We will review all the Information provided by you and the information retrieved about you from time to time and decide about whether to activate (or deactivate) your PIIP Account or disable the Services in your account.
You shall only use the Services for transmitting payment transaction information on behalf of Payment Institution Accounts that have granted authorization to you and that have separately satisfied the Per-PI Activation Gate set out in the payware PI Integration Partner Account Terms. In this Agreement, these Payment Institution Accounts shall be referred to as "Connected Payment Institutions" (or, individually, a "Connected Payment Institution"), and each payment transaction you transmit information for shall be referred to as a "Transaction".
For the avoidance of doubt:
You can also only use the Services yourself, and only in your own right, in the course of your business activities. This means that you cannot allow anyone other than you to use the Services and you cannot use the Services to transmit payment transaction information on behalf of anyone other than a Connected Payment Institution that has authorized you and satisfied the Per-PI Activation Gate. It also means you cannot use the Services in a personal capacity, outside of your business activities. You are responsible and promise to pay us immediately if we suffer any loss relating to any acts and omissions of anyone who uses your account to access the Services.
In the context of these Terms, your counterparties are your Connected Payment Institutions. In addition to the Framework Agreement's general conduct obligations, when using the Services you must:
You shall not, in your communications with any Connected Payment Institution, Merchant, payer, or third party, represent that you are an agent of payware, that you can sign or commit on behalf of payware or any Connected Payment Institution in respect of the payware integration, or that payware endorses, guarantees, or is otherwise responsible for any fee, service, or representation made by you to a Connected Payment Institution outside the scope of these Terms.
Business Fees
For your PIIP Account, we will provide the Services to you according to the limits and fees set out on our Fees page (the "Fees"). The Fees shall be considered a part of this Agreement, in addition to any other agreements executed between you and payware. The Fees relate strictly to the subscription plan applicable to your PIIP Account. As a PIIP acting as a technical communication channel, you are not charged per-Transaction fees for the payment information exchange, as these are deducted by each Connected Payment Institution from the Transaction amount in accordance with that Connected Payment Institution's own agreements with payware.
Any fee, commission, revenue share, or other consideration agreed between you and a Connected Payment Institution for your integration or related technical services is a matter exclusively between you and that Connected Payment Institution and forms no part of these Terms.
It is important to note that payware immediately exchanges payment-related information. The actual transfer of funds, the authorization of any payment, the application of strong customer authentication, and the issuance of any binding payment confirmation are handled by the relevant Connected Payment Institution as the regulated payment service provider, in accordance with the Connected Payment Institution's own agreements with payware.
The Connected Payment Institution is the sole authoritative source for the status of any Transaction (the "Authoritative Source") within the meaning of Section C.1 of the Framework Agreement. Any "unconditional and irrevocable commitment", confirmation, completion, failure, or rejection notification is the act of the Connected Payment Institution. Your role as a PIIP is to transmit each such notification between the Connected Payment Institution and the payware API faithfully and on an as-received basis, without independent verification, alteration, or substitution.
You undertake and agree:
You acknowledge and agree that payware may treat notifications received through your PIIP integration as having originated from the Connected Payment Institution to which they are attributed, and may act on such notifications (including by relaying confirmation status to the payee Merchant) accordingly. Where a notification is in fact fabricated, altered, suppressed, or otherwise misrepresented by you or within your systems contrary to this Section 6, the resulting losses, claims, and liabilities shall be your sole responsibility, without prejudice to payware's other rights and remedies under these Terms, the Framework Agreement, or applicable law.
payware does not at any time hold, control, or have visibility over the funds underlying a Transaction, and your transmission of a confirmation notification through the PIIP integration does not constitute or imply any commitment by payware as to the underlying fund position. The payee's and Merchant's reliance is on the Connected Payment Institution's commitment as the Authoritative Source, not on payware and not on you.
End-to-end cryptographic sealing. All Transaction messages exchanged between a Connected Payment Institution and payware through your integration shall be end-to-end cryptographically sealed in accordance with the applicable technical documentation. You shall not attempt to inspect, decrypt, modify, substitute, or otherwise alter the contents of any sealed payload, and any message presented to the payware API outside the prescribed sealing protocol shall be rejected. Your audit-log obligation under this Section extends to envelope metadata (origin, destination, timing, identifiers) only, since payload contents are sealed end-to-end.
Multi-currency processing
The multi-currency processing provisions set out in Section C.14 of the Framework Agreement apply to your use of the Services.
In the context of Account-to-Account (A2A) payments, each Transaction is authenticated by the payer through Strong Customer Authentication (SCA) on their banking application. Once a Transaction is authenticated and executed by the Connected Payment Institution, it is final and irrevocable. As the regulated payment service provider, the Connected Payment Institution is responsible for executing any correction, reversal, or refund of funds in accordance with applicable payment services legislation and its own internal policies.
Your role as a PIIP is limited to relaying correction or reversal information received from the Connected Payment Institution (as the Authoritative Source). You do not initiate, execute, or verify corrections or reversals independently. If a correction or reversal is communicated through the Services, it will be exchanged as a new Transaction. The Connected Payment Institution is solely responsible for executing any actual fund movements arising from such corrections or reversals.
We are not responsible for, or liable to you, for any Transaction which is later the subject of a correction or reversal request. The Connected Payment Institution and the relevant Merchant remain solely responsible for handling corrections, reversals, refund requests, and any associated fund movements directly with their counterparties, in accordance with their respective regulatory and contractual obligations.
You are liable for the technical integrity, accuracy, timeliness, attribution, and security of the messages you transmit through your PIIP integration, including for any unauthorized alteration, fabrication, omission, or delay of messages within your systems or under your control, and for any breach of the obligations set out in Sections 4 and 6.
You are not liable for, and payware shall not assert any claim against you in respect of, the legal or financial consequences of a Connected Payment Institution's failure to settle funds, failure to authorize a transfer, regulated payment-service event, or other matter that falls within the Connected Payment Institution's own obligations to payware under its agreements with payware.
You acknowledge and accept that the Services are a technical payment information exchange platform and not a regulated payment service. payware does not operate any chargeback scheme, fraud recovery mechanism, buyer protection programme, or any other form of transaction reversal or reimbursement. There is no mechanism through which payware can reverse, recall, or recover funds once a Transaction has been confirmed by the Authoritative Source. The fraud-recovery, anti-money-laundering, know-your-customer, and consumer-protection responsibilities of regulated payment service providers under applicable law remain with the Connected Payment Institutions as a matter of their own regulatory status, and you shall not represent to any Connected Payment Institution, Merchant, or third party that payware or you assume those responsibilities on the Connected Payment Institution's behalf.
This Section 8 does not limit payware's liability for its own gross negligence, wilful misconduct, or breach of its obligations under these Terms or the Framework Agreement.