These terms apply to all customers with PI Integration Partner type business accounts that receive services from payware LLC. If you have been directed to this page from within our product, these terms also apply to your account regardless of the country in which your business activity is registered. If you have any questions regarding which payware entity you receive services from, please reach out to customer service via support center.
These Terms incorporate the payware Framework Agreement by reference. The Framework Agreement contains general legal terms, platform safety rules, liability provisions, and administrative procedures that apply to all payware accounts and services. In the event of a conflict between these Terms and the Framework Agreement, these Terms shall prevail.
My payware PI Integration Partner (PIIP) account
This document sets out the terms and conditions for your payware PI Integration Partner account (the account) and its related services.
For the purposes of these Terms, a PI Integration Partner (PIIP) is a company that provides software products and services that connect one or more Payment Institutions to the payware platform. In the context of account-to-account payments, a PIIP specializes in developing and operating the technical integration layer that allows Payment Institutions to participate in payware payment information exchange without each Payment Institution having to build and maintain its own direct integration with payware.
A PIIP is a technical communication channel and integration service provider. A PIIP is not a payment institution, does not hold or control funds, does not authorize or settle payment transactions, and is not the source of any payment confirmation. The regulated payment service is provided by each connected Payment Institution under its own license and under its own direct agreements with payware.
A payware PI Integration Partner account is a partner's profile definition in payware systems. It holds configurational information and visualization preferences alongside any other related data required for the proper payware services operations, including the technical association between the PIIP and each Payment Institution that has separately registered with payware and authorized the PIIP to transmit messages on its behalf.
Once you open your payware PI Integration Partner account you'll be able to use our services. For example, you can do the following:
We add new features and services all the time. We'll let you know about these through the payware business web portal or by email.
You can access the payware business web portal through the business web portal reference on our website. You manage your account through the payware business web portal, which only you and the appropriate authorized persons will have access to.
By accepting these terms and conditions you confirm that:
You must be over 18 to open a payware PI Integration Partner account, and you may only open it under this agreement for business purposes and not for personal purposes.
When you ask to open your account, the following apply:
We will only give you access to your payware PI Integration Partner account, the payware business web portal and payware services once we have all the information we need.
You can't open more than one payware PI Integration Partner account or open a new payware PI Integration Partner account if we've previously closed a payware PI Integration Partner account that you held.
We can refuse to let you open or hold a payware PI Integration Partner account if you carry out a business or activity that we are not comfortable with. Or we may apply restrictions, which we'll tell you about before we allow you to open the account.
As a PI Integration Partner, you may transmit payment transaction information to and from the payware platform on behalf of one or more connected Payment Institutions, where each such Payment Institution has authorized you to do so. The authorization granted by the Payment Institution to the PIIP shall remain in full force and effect until terminated by either the Payment Institution or the PIIP.
Each transaction message you transmit through the payware API must be attributable to a specific connected Payment Institution. The connected Payment Institution remains the originator of the message, the source of any confirmation or status notification, and the legal counterparty to payware in respect of the Transaction. You act solely as the technical communication channel for messages originating from and authorized by that Payment Institution.
It is hereby agreed that even when transmitting messages on behalf of a connected Payment Institution, the Payment Institution Account Terms, the Payment Information Exchange Services Agreement for Payment Institution Accounts, and any applicable Payment Institution Partnership Terms or Addendum shall apply to that Payment Institution's use of its account, and shall not be displaced or modified by your participation as a PIIP.
payware reserves the right to terminate the PIIP's authorization and access to a Payment Institution's account at any time, in the event of concerns about fraud, security, or for legal or regulatory reasons. In such cases, payware shall make commercially reasonable efforts to provide prior notice to the affected Payment Institution, unless prohibited by law or for valid security reasons. payware shall unblock the PIIP's access as soon as the reasons for termination no longer exist.
The Payment Institution may also terminate the PIIP's authorization and access to its payware account via the payware business web portal at any time.
By accepting the authorization granted by a Payment Institution to transmit messages on its behalf, the PIIP agrees to be bound by the terms outlined in payware Privacy Notice regarding the handling and sharing of the Payment Institution's information. The PIIP shall comply with all applicable laws and regulations in connection with its performance under this agreement.
In the PIIP context, the PI Integration Partner acts as a technical communication channel and represents Payment Institutions for which it has obtained authorization. The PIIP is authorized to transmit messages originating from and authorized by those Payment Institutions, and to receive messages from payware addressed to those Payment Institutions, in each case for technical onward delivery.
For each Transaction transmitted through the PIIP, the connected Payment Institution remains the sole "Authoritative Source" within the meaning of Section C.1 of the Framework Agreement. Any "unconditional and irrevocable commitment" notification, transaction status update, or other authoritative communication is the act of the Payment Institution, transmitted by the PIIP on a faithful, unaltered, as-received basis. The PIIP does not at any time hold, control, or have visibility over the funds underlying any Transaction, and does not provide any payment confirmation, settlement guarantee, or finality warranty in its own right.
The PIIP shall not have, and these Terms do not grant the PIIP, any authority to: (a) sign, execute, or accept on behalf of any Payment Institution any agreement, addendum, amendment, or other commitment with payware; (b) negotiate, agree, or vary any commercial, regulatory, or operational terms applicable to any Payment Institution's relationship with payware; or (c) discharge, waive, settle, or compromise any claim, dispute, or right arising between payware and a Payment Institution. Each Payment Institution remains directly contractually bound to payware under its own Payment Institution Account Terms, the Payment Information Exchange Services Agreement for Payment Institution Accounts, and any applicable Payment Institution Partnership Terms or Addendum, regardless of any technical integration through a PIIP. This Section is consistent with, and reinforces, Section A.9 of the Framework Agreement.
A PIIP may transmit messages for a given Payment Institution only after that Payment Institution has separately registered with payware, has accepted the applicable Account Terms, Payment Information Exchange Services Agreement for Payment Institution Accounts, and (where applicable) Payment Institution Partnership Terms and Addendum, and has been activated by payware in its systems (the "Per-PI Activation Gate"). Until the Per-PI Activation Gate is satisfied for a given Payment Institution, no transaction message attributed to that Payment Institution shall be accepted by the payware API. The PIIP shall not represent to any Merchant, payer, or third party that a Payment Institution is connected to payware before the Per-PI Activation Gate is satisfied.
The PIIP is liable for the technical integrity, accuracy, timeliness, attribution, and security of the messages it transmits, including for any unauthorized alteration, fabrication, omission, or delay of messages within its systems or under its control. The PIIP is not liable, and payware shall not assert any claim against the PIIP, for the legal or financial consequences of a connected Payment Institution's failure to settle funds, failure to authorize a transfer, or other regulated payment-service event, which remain the sole responsibility of the Payment Institution under its own agreements with payware.
End-to-end cryptographic sealing. All transaction messages transmitted between a Connected Payment Institution and payware through your PIIP integration shall be end-to-end cryptographically sealed in accordance with the applicable technical documentation. The PIIP shall not attempt to inspect, decrypt, modify, substitute, or otherwise alter the contents of any sealed payload. payware shall reject any message presented to its API outside the prescribed sealing protocol. The PIIP's transmission obligations under these Terms are satisfied by faithful relay of sealed payloads.
Regulatory capacity of the PIIP. Where the PIIP is itself a credit institution, payment institution, electronic money institution, or other regulated entity under PSD2, EMD2, CRD/CRR or equivalent legislation, the PIIP uses the payware PIIP account and integrates with payware solely in its capacity as a software vendor and integrator, and not in its regulated capacity. The PIIP's regulated activities are governed exclusively by its own authorizations and arrangements outside these Terms.
API is an Application Programming Interface that allows you to carry out certain activities such as transmitting payment information exchange messages on behalf of connected Payment Institutions and displaying transaction status. As a PIIP, you will have access to the API.
See the API reference page for more information about our API.
Any fee, commission, revenue share, or other consideration agreed between you and a connected Payment Institution for the integration, transmission, agency, distribution, or related technical or commercial services you provide to or perform on behalf of that Payment Institution is a matter exclusively between you and that Payment Institution. Such arrangements form no part of these Terms, are not deducted from any Transaction amount, and do not affect the Applicable Fee, the payware Share, the PI Share, or any other fee or remittance arrangement between payware and the Payment Institution under its Payment Institution Partnership Terms or applicable Addendum.
You shall not represent to any connected Payment Institution, Merchant, payer, or third party that payware is a party to, guarantor of, or otherwise responsible for the compensation arrangement between you and the Payment Institution.
We do not charge you any fees for the transmission of payment transaction information through the payware API in your capacity as a PIIP. Per-Transaction fees applicable to each Transaction are deducted by the originating Payment Institution from the Transaction amount in accordance with that Payment Institution's own agreements with payware, and are not borne by you.
Subscription, setup, or other account-related fees applicable to your PIIP account, if any, are set out on our Fees page or in a separate written agreement with payware.
Safety is important to us. We might prevent you from transmitting payment transaction information from your account on behalf of any connected Payment Institution if we're reasonably concerned about its security or that it might be used fraudulently or without your or the Payment Institution's permission.
We might also have to block your account to meet our legal obligations, or where the relevant Payment Institution's account or API access has been suspended or terminated under its own agreements with payware.
We'll tell you through the payware business web portal or by email before, or as soon as possible after, we block your account or API access. We'll also let you know why we've done it (unless it would reduce your or our security or it would be unlawful).
For the purposes of Section D.7 of the Framework Agreement, the repayment timeframe under these Terms is fifteen (15) days.
In addition to the exceptional circumstances listed in Section B.8 of the Framework Agreement, the following PIIP-specific circumstances also apply: