Terms of Service

Effective Date: January 1, 2023


Effective for: Full Commerce Solutions LLC, FCS-Pay.com, and dooFull Commerce collectively referred to as FCS.


1. Acceptance of Terms

Welcome to the Full Commerce Solutions ("FCS") website. By accessing or using our website, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

2. Use of Website

2.1. Eligibility: You must be at least 18 years old to use our website.

2.2. Account Creation: If you create an account on our website, you are responsible for maintaining the security of your account credentials. You agree to provide accurate and complete information during the registration process.

2.3. User Conduct: You agree not to engage in any prohibited activities on our website, including but not limited to:

  • Violating any applicable laws or regulations.
  • Posting false or misleading information.
  • Transmitting viruses, malware, or other harmful content.
  • Attempting to gain unauthorized access to our website or its users' information.

3. Intellectual Property

3.1. Content: All content on the FCS website, including text, graphics, logos, images, and software, is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute our content without our express written consent.

3.2. Trademarks: The FCS, dooFullCommerce, and other trade names and logos are trademarks owned by Full Commerce Solutions. You may not use these trademarks without our prior written permission.

4. Privacy

4.1. Privacy Policy: Your use of our website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your personal information.

5. Disclaimer of Liability

5.1. No Warranty: We provide our website on an "as-is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of our website.

5.2. Limitation of Liability: FCS and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website.

6. Termination

We reserve the right to terminate or suspend your access to our website for any reason, without prior notice.

7. Changes to Terms

We may update these Terms of Service from time to time. You are responsible for regularly reviewing the terms. Your continued use of our website after any changes constitutes acceptance of those changes.

8. Contact Information

If you have any questions or concerns about these Terms of Service, please Contact Us.



PAYMENT GATEWAY MERCHANT SERVICE AGREEMENT

Full Commerce Solutions LLC, hereinafter referred to as “Payment Gateway”, offers merchants various products and services relating to payment processing and other value-added services directly and through Third Party Service Providers. In order for you, on behalf of your company, to obtain or continue using the transaction processing services, payment gateway services and other value-added products and services, more fully described at www.FCS-Pays.com as such descriptions may be changed from time to time (the “Payment Gateway Services”), you must agree to and accept the terms and conditions of this agreement (the “Agreement”). This Agreement sets out the terms and conditions under which you may utilize the Payment Gateway Services. Please read this Agreement carefully. It is important that you understand that upon your acceptance of this Agreement, by continuing to use any of the Payment Gateway Services and/or by clicking on the “I AGREE” button at the end of this Agreement, it becomes a legally binding contract. 

By continuing to use any of the Payment Gateway Services and/or by clicking on the “I AGREE” button you represent that you have reviewed and understand the Agreement and agree to be legally bound by all its terms and conditions (including the terms and conditions stated on web pages incorporated by reference herein). If you do not agree or are not willing to be bound by the terms and conditions of this Agreement, please do not click on the “I AGREE” button and do not seek to obtain or continue using the Payment Gateway Services. 

NOW THEREFORE, you and/or your company, (“You” or “Your”) agree as follows: 

1.

DEFINITIONS:

“Acquirer” or “Acquiring Bank” or “Acquiring Institution” means the financial institution supplying You with the ability to accept credit cards for payments. The financial institution will charge You fees for providing these services. 

“ACH” or “Automated Clearing House” means an electronic network that allows the exchange and settlement of electronic payments between financial institutions. 

“Affiliate Partner” means any third party through whom Payment Gateway may offer the Payment Gateway Services to You, including but not limited to an “ISO” or “Independent Sales Organization”, Merchant Service Provider (“MSP”), Value Added Reseller (“VAR”), Application Service Provider (“ASP”), Acquiring Bank and Financial Institution. 

“API” or “Application Programming Interface” means an interface allowing integration with a programmable software package or platform. 

“AVS” or “Address Verification Service” for the purposes of this agreement shall mean a response generated by the Issuing Bank to indicate the level of accuracy of a given address based on the billing address of the customer's credit card. 

“Batch” means any bulk processing of Transactions, or a bulk settlement submitted to a Processor by Payment Gateway including credit card, ACH, or other related transactions. 

“Card Association” for the purposes of this Agreement means a network of Issuing Banks and Acquiring Banks that process payment cards of a specific brand. Without limiting the foregoing definition, American Express, Discover Financial Services, JCB International, MasterCard International Inc., Visa Inc., Visa International Inc., and any other payment card company belong to the Card Association. 

“Close Batch” means the process of sending a batch of transactions for settlement. 

“Confidential Information” means any information, data, trade secrets, know-how, directly, or indirectly, in writing or orally or by inspection of samples, equipment or facilities, including but not limited to past, present and future research, products, product plans, services, services documentation (in whatever form or media provided) customers, customer lists, user data, revenue, markets, software developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration, marketing, marketing materials, financial or other business information, or the financial terms of this Agreement. 

“Discount Rate” means the fee charged by Your financial institution to You for services associated with processing card transactions or fees charged by Payment Gateway to You for ACH or other payment methods. 

“Effective Date” means the earlier of the date You agree to the terms and conditions of the Agreement by (i) clicking the “I AGREE” button associated with the Agreement; or (ii) by using Payment Gateway Services or (iii) acknowledging Your acceptance of the Agreement by any other method, including without limitation execution of a Merchant Account Application that incorporates the Agreement by reference. 

“Fee Schedule” means a list of fees and charges that is accepted by You and paid by you to Payment Gateway. 

“Interchange Fee” means the fee set by and collected by the Card Association from Your financial institution (Acquiring Bank) and paid to the issuing financial institution (Issuing Bank) to cover expenses incurred in billing the cardholder. 

“IP Address” means an internet address usually represented in dotted decimal, e.g. “127.0.0.1”. 

“Issuing Bank” means the financial institution that issues Card Association branded Payment Cards directly to consumers. 

“PCI DSS” means Payment Card Industry Data Security Standard. 

“Privacy Policy” means the then current Payment Gateway Privacy Policy which can be found on the internet at www.FCS-Pays.com

“Return Payment Fee” is a fee charged to You by Payment Gateway on each occurrence when Payment Gateway is unable to collect fees on Your Account for any reason, including but not limited to insufficient funds, closed account, or any other negative response. 

“Third Party Service Provider” for purposes of this Agreement means an entity that provides bank and/or merchant payment services including, but not limited to billing, reporting, customer service, authorization, and settlement services. 

“Trademark(s)” means all common law or registered trademark(s), service mark(s), trade name(s) and trade dress rights and/or similar or related rights under any laws of any country or jurisdiction, including but not limited to the United States of America whether existing now or hereafter adopted. 

“Transaction(s)” means any billable occurrence completed or submitted under Your Account including but not limited to sale, void, refund, credit, offline force, capture, authorization, validate, update or settlement regardless of whether approved or declined. 

“VAR” or “Value Added Reseller” means any third-party vendor that enhances or modifies existing hardware or software, adding value to the services provided by the processor or acquirer. 

“Value Added Service(s)” means the following Payment Gateway Services, including but not limited to: Customer Vault™, Fraud Prevention™, CertifyPCI™, Advanced Transaction Routing Interface™ (ATRI™), and /or any other service or product offered by Payment Gateway now or in the future.

2.

TERM: The term of the Agreement shall commence on the Effective Date and shall remain in full force and effect until terminated pursuant to Section 10. 

3.

LEGAL: By accepting the terms and conditions of this Agreement, You represent and warrant that (i) You have the legal authority to accept the terms and conditions of this Agreement on behalf of Your company and that such acceptance will be binding on Your company, (ii) all information You have provided to Payment Gateway is true and correct in all respects, and (iii) You will update Payment Gateway in writing with any changes to information You have previously supplied. In furtherance of Your representations, Payment Gateway reserves its right to refuse to provide You with any Payment Gateway Service and terminate this Agreement, with or without notice, if You have supplied any information which is misleading, untrue, inaccurate or incomplete. 

4.

USE OF PAYMENT GATEWAY SERVICES

4.1

Payment Gateway Grant

(a)

You are hereby granted a non-exclusive right to use the Payment Gateway Services during the Term hereof so long as You are current in paying all applicable fees as referenced in Section 8 and Section 9 hereof, subject to the restrictions contained herein and restrictions communicated to You in the future by Payment Gateway. Payment Gateway shall provide the Payment Gateway Services to You in all material respects in accordance with the terms and conditions of this Agreement and Your rights are granted solely for the purposes contained herein and for no other purpose. 

(b)

Your use of the Payment Gateway Services shall be restricted to You. You shall not submit Data or Transaction data to Payment Gateway or otherwise process orders on behalf of any other entity or individual. Any attempt by You to use the Payment Gateway Services on behalf of another entity or individual may result in Your obligation to pay to Payment Gateway additional fees and charges and/or Payment Gateway may revoke Your right to use the Payment Gateway Services and terminate this Agreement. 

(c)

In connection with the exercise of Your rights and obligations under this Agreement including, without limitation, any related to individual privacy, You will comply, at Your own expense, with all applicable laws, regulations, rules, ordinances and orders of governmental authorities having jurisdiction. You shall not use the Payment Gateway Services in any manner, or in furtherance of any activity that may cause Payment Gateway to be subject to investigation, prosecution, or legal action. 

(d)

Payment Gateway reserves the right to amend, modify or change its policies, procedures, and guidelines and You shall comply with all then current policies, procedures, and guidelines of Payment Gateway governing the Payment Gateway Services. 

5.

DATA SECURITY, COLLECTION, TRANSFER AND RETENTION

5.1

Payment Gateway’s Duties

a.

You understand Payment Gateway will collect, retain, use and share information and data collected from You and your customers in accordance with Payment Gateway’s then current Privacy Policies. You hereby consent, as a condition of Your enrollment in and use of the Payment Gateway Services, to the collection, use, processing and transfer of personal data as described in Section 5 and Payment Gateway’s Privacy Policies. 

(b)

You understand that Payment Gateway may collect and hold personal or non-public information about You and Your customers, including but not limited to: Your name, address, telephone number, e-mail address, social security number and/or tax identification number and payment data as well as Your customers' names, mailing & shipping addresses, email addresses, phone number, types of purchases and descriptions of purchases (“Data”) for the purpose of considering eligibility for the Payment Gateway Services and for the purpose of providing You and your customers with the Payment Gateway Services. You also understand and agree that Payment Gateway, its subsidiaries, Affiliate Partners, Third Party Service Providers, suppliers and/or their agents and/or contractors may transfer Data among themselves as necessary for the purpose of the provision and management of the Payment Gateway Services and that Payment Gateway may further transfer Data (i) with non-affiliated entities that assist Payment Gateway in providing products and services that You have requested; (ii) with companies that provide support services to Payment Gateway; (iii) with companies that provide marketing services on behalf of Payment Gateway; or (iv) as otherwise provided by law. 

(c)

You further understand that in evaluating Your eligibility for, provision of, administration and management of the Payment Gateway Services, as well as under circumstances described in the Privacy Policy that may be changed from time to time, that Payment Gateway may obtain various consumer reports regarding You from third parties, run a credit check or obtain other personal or credit information about You. 

(d)

You further understand that while Payment Gateway uses commercially reasonable efforts to safeguard Data and Transaction data transmitted while using Payment Gateway Services, Payment Gateway does not warrant that Data and Transaction data will be transported without unauthorized interception or modification or that Data or Transaction data will not be accessed or compromised by any unauthorized third parties. 

(e)

With respect to the Payment Gateway Services, at all times while this Agreement is in effect, Payment Gateway will maintain compliance with the Payment Card Industry Data Security Standard (PCI DSS). 

5.2

Your Duties

(a)

You agree that you will comply at all times with all applicable and then-current legal obligations and security measures including without limitation those issued by the United States Government, Federal, State and Municipal laws and ordinances, Card Association, the Federal Trade Commission, PCI DSS and any other governing body. You agree that you will comply with all Payment Gateway security protocols, notices and safeguards in effect during the term of this Agreement. You warrant that You have taken such precautions as are necessary to ensure that Your data and Your customer data is protected and that Your electronic systems are secure from breach, intrusion or compromise by any unauthorized third parties. In the event that Your system is breached and an unauthorized third party has access to or has accessed Data or Transaction data, You shall notify the designated parties as required under any applicable laws or industry guidelines and shall immediately notify Payment Gateway of such breach and take such prompt action and precautions as necessary to prevent any continuous or additional breach. 

(b)

You are solely responsible for the security of data residing on server(s) owned or operated by You, Third Party Service Provider, or a third party designated by You (e.g., a web hosting company, processor, or other service provider), including credit card numbers and any other personal data. You shall comply with all applicable laws and regulations governing the collection, retention and use by You of credit card and other financial information and agree to provide notice to your customers on Your web site that discloses how and why personal and financial information is collected and used, including uses governed by this Agreement. 

(c)

You agree that You are solely responsible for verifying the accuracy and completeness of all Transactions submitted and processed by Payment Gateway associated with Your account and verifying that all corresponding funds are accurately processed. You acknowledge that the fees associated with any and all transactions processed through Your account are earned by Payment Gateway and shall not be reimbursed. You acknowledge that Payment Gateway shall not be liable for any improperly processed or unauthorized Transactions or illegal or fraudulent access to Your account, Data or Transaction data. Payment Gateway’s liability for unauthorized Transactions or improperly processed Transactions solely attributable to the negligence of Payment Gateway is limited pursuant to Section 13. 

(d)

You agree not to use, disclose, sell or disseminate any card, cardholder or ACH information obtained in connection with a Transaction except for purposes of completing or settlement of a Transaction and/or resolving chargebacks, retrievals or similar issues involving a Transaction unless required to do so by court order or governmental agency request, subpoena or order. 

(e)

You agree that You are solely responsible for compiling and retaining permanent records of all Data and Transaction data for Your reference. Except as otherwise provided herein, Payment Gateway shall have no obligation to store, retain, report or otherwise provide any copies of or access to any records of Transactions or other Data collected or processed by Payment Gateway. You acknowledge that upon termination of this Agreement, Payment Gateway shall have no obligation to provide You with any Data or Transaction data. You agree that You shall use proper controls for and limit access to all Data or Transaction data. Prior to discard You shall render all Data or Transaction data unreadable and abide by any laws or regulations imposed on You for Data or Transaction data destruction and/or disposal. 

5.3

Your User Name and Password

(a)

In connection with Your rights described in Section 4.1, Payment Gateway or Affiliate Partner will issue to You, or permit You to use a user name and password, to enable You and/or Your employees and agents to access Your gateway account and use the Payment Gateway Services. You will restrict access to such user name, password, and account to Your employees and agents as may be reasonably necessary and consistent with the purposes of this Agreement and will ensure that each such employee and agent accessing and using the account is aware of and otherwise complies with all applicable provisions of this Agreement and any recommendations and notices regarding such use and access. 

(b)

You are solely responsible for maintaining adequate security and control of any and all user names, passwords, or any other codes that are issued to You by Payment Gateway or Affiliate Partner or selected by You, for purposes of giving You access to the Payment Gateway Services. Payment Gateway shall be entitled to rely on information it receives from You and may assume that all such information was transmitted by or on behalf of You. 

6.

TRADEMARKS

6.1

Trademark Use

(a)

Payment Gateway hereby grants to You the right to use, reproduce, publish, perform and display the Payment Gateway Marks as follows: (a) on Your web site in connection with Your offering of Payment Gateway Services to Your customers; and (b) in promotional and marketing materials and electronic and printed advertising, publicity, press releases, newsletters and mailings about or related to any of the Payment Gateway Services. 

(b)

You hereby grant to Payment Gateway, its Third Party Service Provider and its Affiliate Partners the right to use, reproduce, publish, perform and display Your Marks as follows: (a) in connection with the development, use, reproduction, modification, adaptation, publication, display and performance of the Payment Gateway Services offered and/or accessible through Your web site; and (b) in promotional and marketing materials and electronic and printed advertising, publicity, press releases, newsletters and mailings about or related to any of the Payment Gateway Services. 

(c)

For purposes of this Agreement, “Your Marks” means Your customary name and logo, and such other trademarks as You may from time to time notify Payment Gateway to be “Your Marks” within the meaning of this Agreement. For purposes of this Agreement, “Payment Gateway Marks” means Payment Gateway customary name and logo, and such other trademarks as Payment Gateway may from time to time notify You to be “Payment Gateway Marks” within the meaning of this Agreement. 

6.2

Trademark Restrictions

(a)

Each party shall comply with all standards with respect to the other party's Trademarks which may be furnished by such party from time to time and all uses of the other party's Trademarks in proximity to the trade name, trademark, service name or service mark of any other person or entity shall be consistent with the standards furnished by the other party from time to time. Neither party shall create a combination mark consisting of one or more Trademarks of each party. All uses of the other party's Trademarks shall inure to the benefit of the party owning such Trademark. Each party hereby acknowledges and agrees that, as between the parties, the other party is the owner of the Trademarks identified as its Trademarks in any written notice provided to the other party pursuant to this Agreement. Either party may update or change the list of Trademarks usable by the other party hereunder at any time by written notice to the other party. 

(b)

Either party must include a statement of ownership when displaying or reproducing either parties trademark. The following statement is acceptable and shall be placed contiguous to the Trademark: “The trademark is the property of its respective owner.” 

(c)

Except as otherwise provided herein, You shall not use, register or attempt to register any Payment Gateway Trademarks or marks or domain names that are confusingly similar to any of the Payment Gateway Trademarks, marks or Domain Name(s). Except as authorized in this agreement, You shall not take any actions inconsistent with Payment Gateway’s ownership of Payment Gateway’s Trademarks and any associated registrations or attack the validity thereof. You shall not use Payment Gateway’s Trademarks in any manner that would indicate You are using such Payment Gateway Trademarks other than as a licensee nor assist any third party do any of the same. 

7.

INTELLECTUAL PROPERTY AND PROHIBITION AGAINST REVERSE ENGINEERING The parties agree that Payment Gateway owns and retains all right, title and interest in and to the Payment Gateway Services, Trademarks, copyrights, technology and any related technology utilized under or in connection with this Agreement, including but not limited to all intellectual property rights associated therewith. No title to or ownership of any of the foregoing is granted or otherwise transferred to You or any other entity or person under this Agreement. You shall not reverse engineer, disassemble, decompile or otherwise attempt to discover the source code or trade secrets for any of Payment Gateway Services or related technology. 

8.

PAYMENT TERMS

8.1

Due Date and ACH Authorization

(a)

Payment Gateway fees shall begin on the Effective Date and You will be billed on the first business day of each month following the Effective Date for any and all amounts owing under this Agreement. If fees accrue to more than $50.00 USD at anytime in any given month, Payment Gateway will bill You the full amount due on a more frequent basis at Payment Gateway’s discretion. 

(b)

You must authorize Payment Gateway to initiate transaction entries to Your depositories account through ACH. This authority is to remain in full force and effect until i) Payment Gateway has received written notification from You of Your request for termination in such time as to afford Payment Gateway and Your depository institution a commercially reasonable opportunity to acknowledge and respond to the request and ii) Payment Gateway has collected all fees due and owing under this agreement. If Payment Gateway is unable to collect amounts owing from your depository account, You hereby authorize Payment Gateway to charge Your credit card for any and all amounts owing to Payment Gateway under this Agreement. Entries initiated to or from Your depository account will be in accordance with the rules of the National Automated Clearing House Association (NACHA) and/or any other regulatory body or agency having jurisdiction over the subject matter hereof. 

(c)

You must promptly update Your account information with Payment Gateway or Affiliate Partner with current and accurate information. If You fail to provide Payment Gateway or Affiliate Partner with current and accurate depository account or credit card account information, Payment Gateway may immediately discontinue providing Payment Gateway Services to You, without liability, until such information is provided to Payment Gateway and/or terminate this Agreement. You acknowledge that any change in account information may not be effective until the month following the month in which Payment Gateway receives such notice. Termination of Your authorization shall result in termination of any and all Payment Gateway Services. 

8.2

Affiliate Partner Bills You In furtherance of Section 8.1, if You are billed by an Affiliate Partner for some or all of the Fees, You shall pay the Affiliate Partner in such manner as mutually agreed upon between You and such Affiliate Partner. 

9.

FEES

9.1

Payment Gateway Service Fees

(a)

You shall pay to Payment Gateway the fees as set forth in the Fee Schedule provided to You by Payment Gateway and/or, if applicable Affiliate Partner. The Fee Schedule is hereby incorporated into the terms of this Agreement by reference. 

(b)

Notwithstanding the foregoing, if Your relationship with the Affiliate Partner that offered you the Payment Gateway Services expires or terminates and such Affiliate Partner was billing You for certain Fees, then You may continue using the Payment Gateway Services. If You elect to continue using the Payment Gateway Services, You acknowledge and agree that Payment Gateway may begin to bill You for such Fees in the amounts that the Affiliate Partner had been charging You. In accordance with Section 15.5 Payment Gateway may amend the Fee schedule after providing You with thirty (30) days notice. 

9.2

Other Fees and Charges

(a)

You shall incur a late fee in the amount set forth in the fee schedule if any amounts due to Payment Gateway under this Agreement are not paid on or before the tenth (10th) day following the date when due. In addition, You shall be subject to a finance charge equal to one and one-half percent (1.5%) per month or the highest rate allowable by law, whichever is less, determined and compounded daily from the date due until the date paid. Payment of such late fee(s) and finance charge(s) will not excuse or cure any breach or default for late payment. Payment Gateway may accept any check or payment from You without prejudice to its rights to recover the balance due or to pursue any other right or remedy. No endorsement or statement on any check or payment or any correspondence accompanying any check or payment or elsewhere will be construed as an accord or satisfaction. 

(b)

On each occurrence when Payment Gateway is unable to collect fees on Your Account for any reason, including but not limited to insufficient funds, closed account, or any other negative response, Payment Gateway may charge You a Return Payment Fee in the amount of $25.00 USD, or as set forth in the fee schedule. 

(c)

If You have not paid all owing amounts after two (2) days when due, Payment Gateway may, in its sole discretion, discontinue providing You with Payment Gateway Services. If You have still not paid all owing amounts after thirty (30) days following the date the payment was due, then Payment Gateway may, in its sole discretion, immediately terminate this Agreement. Notwithstanding, if You subsequently pay in full all owing fees, including but not limited to late fees, finance charges and Return Payment Fees, and if Payment Gateway has not already terminated this Agreement, then Payment Gateway may elect to reactivate the Payment Gateway Services and charge You a Service Reactivation Fee in the amount set forth in the fee schedule. 

(d)

You agree to pay all costs and expenses of whatever nature, including attorneys' fees, incurred by or on behalf of Payment Gateway in connection with the collection of any unpaid charges and fees. 

10.

TERMINATION

10.1

Termination by You

(a)

You may terminate this Agreement with or without cause, and for any reason, by providing Payment Gateway with at least thirty (30) days written notice of Your intent to terminate this Agreement. 

(b)

In the event You are billed by an Affiliate Partner in furtherance of Section 8.2 of this Agreement, you hereby authorize Affiliate Partner to terminate this Agreement on your behalf. 

10.2

Termination by Payment Gateway

(a)

Payment Gateway may terminate this Agreement and/or terminate Your use of Payment Gateway Services immediately, or at anytime, without advance notice and with or without cause, for any reason including without limitation to Your breach or default of any obligation set forth in this Agreement or if Payment Gateway determines, in its sole discretion, that Your business practices are detrimental to the achievement of Payment Gateway’s business objectives. 

(b)

In such event, Payment Gateway shall provide You with a written or electronic notice of termination. 

10.3

Termination by Affiliate Partner or Third Party Service Provider

(a)

In the event You are billed by an Affiliate Partner in furtherance of Section 8.2, and if Payment Gateway receives notice from such Affiliate Partner that it has terminated or suspended its relationship with You, Payment Gateway may suspend and/or terminate Your right to use Payment Gateway Services and/or terminate this Agreement without notice and without liability. 

(b)

In the event Payment Gateway is notified by a Third Party Service Provider, court of competent jurisdiction, governmental body or authority, Acquiring Bank or the Card Association that You are no longer entitled to receive payment data for any reason whatsoever, Payment Gateway may suspend and/or terminate Payment Gateway Services and/or this Agreement without notice and without liability. 

10.4

Effect of Termination and Survival Upon termination of this Agreement for any reason whatsoever, all rights and interests under this Agreement shall be extinguished and shall be given no further force nor effect except that i) all accrued payment obligations hereunder shall survive such expiration or termination; and (ii) the rights and obligations of the parties under Sections 7, 10.4, 11, 12, 13, 14 and 15 shall survive termination. 

11.

CONFIDENTIALITY AND NONDISCLOSURE

11.1

Use of Confidential Information

(a)

Each party that receives information (the “Receiving Party”) from the other party (the “Disclosing Party”) agrees to use reasonable best efforts to protect all non-public information, trade secrets and know-how of the Disclosing Party that is either designated as proprietary and/or confidential or that, by the nature of the circumstances surrounding disclosure, ought in good faith to be treated as proprietary and/or confidential (“Confidential Information”), and in any event, to take precautions at least as great as those taken to protect its own Confidential Information of a similar nature. Each party agrees that the terms and conditions of this Agreement will be Confidential Information, provided that each party may disclose the terms and conditions of this Agreement to its immediate legal and financial consultants in the ordinary course of its business. 

(b)

Each Party agrees not to divulge any confidential information, trade secrets or know how or any information derived therefrom to any third person or entity and shall only disclose Confidential Information to employees on a “need to know” basis who have executed a nondisclosure agreement with similar terms and obligations to this Agreement. 

(c)

Each Party shall not make any use whatsoever at anytime of such Confidential Information except as contemplated by this Agreement. 

(d)

Each Party shall not copy or reverse engineer any such Confidential Information. 

11.2

Exclusions The foregoing restrictions will not apply to any information that: (i) the Receiving Party can document it had in its possession prior to disclosure by the Disclosing Party, (ii) was in or entered the public domain through no fault of the Receiving Party, (iii) is disclosed to the Receiving Party by a third party legally entitled to make such disclosure without violation of any obligation of confidentiality, (iv) is required to be disclosed by applicable laws or regulations (but in such event, only to the extent required to be disclosed), or (v) is independently developed by the Receiving Party without reference to any Confidential Information of the Disclosing Party. Upon request of the other party, or in any event upon any termination or expiration of the Term, each party will return to the other all materials, in any medium, that contain, embody, reflect or reference all or any part of any Confidential Information of the other party. Each party acknowledges that breach of this provision by it would result in irreparable harm to the other party, for which money damages would be an insufficient remedy, and therefore that the other party will be entitled to seek injunctive relief to enforce the provisions of this Section 11. 

12.

REPRESENTATIONS AND WARRANTIES

12.1

Mutual Representations and Warranties Each party represents and warrants to the other that (i) this Agreement constitutes a legal, valid and binding obligation, enforceable against it in accordance with its terms; (ii) the party's obligations under this Agreement do not violate any law or breach any other agreement to which such party is bound; (iii) it has all necessary right, power and ability to execute this Agreement and to perform its obligations therein; and (iv) no authorization or approval from any third party is required in connection with such party's execution, delivery or performance of this Agreement. 

12.2

Your Representations and Warranties

a.

You represent and warrant that You are engaged in a lawful business that includes the sale of products and/or services, and are duly licensed to conduct such business under the laws of all jurisdictions in which You conduct business. You further represent and warrant that all statements made by You in this Agreement, or in any other document relating hereto by You or on Your behalf, are true, accurate and complete in all material respects. You hereby authorize Payment Gateway to investigate and confirm the information submitted by You herein. For this purpose, Payment Gateway may utilize credit bureau / reporting agencies and / or its own agents. 

(b)

You will comply with all applicable laws, regulations, rules, ordinances and orders of governmental authorities having jurisdiction. You will further comply with the Payment Card Industry Data Security Standard (PCI DSS), the Gramm-Leach-Bliley Act, the National Automated Clearing House Association (NACHA) and any other regulatory body or agency having jurisdiction over the subject matter hereof. 

(c)

You will abide with all material terms of the then current policies, procedures, and guidelines of Payment Gateway governing the Payment Gateway Services. 

12.3

Payment Gateway Representations and Warranties

(a)

Payment Gateway represents and warrants that the Payment Gateway Services provide to you hereunder will substantially conform to the specifications as set forth in the applicable Payment Gateway Service Level Agreement (SLA) as contained in Appendix A hereof and as may be amended from time to time in Payment Gateway’s sole discretion. In addition to the exclusions contained in Appendix A, the SLA will not apply if (i) a defect has been caused by Your malfunctioning equipment or software, (ii) the Payment Gateway Services are used in material variation with this Agreement or the applicable documentation, or (iii) any of the Payment Gateway Services have been modified by any individual or entity other than Payment Gateway. 

(b)

You acknowledge that Payment Gateway Services are designed for use with certain third-party programs, including, without limitation, certain Internet browser software programs. You will look solely to the developers and manufacturers of such programs with regard to warranty, maintenance or other support regarding the same. Payment Gateway makes no warranty, express or implied, with regard to any such third-party software. 

(c)

You may not rely on the representation or warranty regarding Payment Gateway Services by any third party in contravention of the foregoing statements, including representations or warranties of any Third Party Service Provider or Affiliate Partner. In the event of a breach of the foregoing warranty, Payment Gateway shall use commercially reasonable efforts to repair, or at its option replace, the Payment Gateway Services. You acknowledge that Payment Gateway does not warrant that such efforts will be successful. If Payment Gateway’s efforts are not successful, You may terminate this Agreement in accordance with Section 10.1. THE FOREGOING SHALL CONSTITUTE YOUR SOLE REMEDY, AND PAYMENT GATEWAY’S SOLE LIABILITY, FOR INTERRUPTIONS, OUTAGES OR OTHER DELAYS IN PAYMENT GATEWAY’S SERVICES AND/OR VALUE-ADDED SERVICES. Payment Gateway does not warrant the services of any third party, including without limitation Third Party Service Providers, Affiliate Partners, VARS or the Card Association. 

12.4

Payment Gateway Services “As Is” Disclaimer PAYMENT GATEWAY SERVICES ARE PROVIDED ON AN “AS IS” “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES. PAYMENT GATEWAY DOES NOT REPRESENT OR WARRANT THAT THE PAYMENT GATEWAY SERVICES WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ENTIRELY ERROR FREE. YOU MAY NOT RELY UPON ANY REPRESENTATION OR WARRANTY REGARDING THE PAYMENT GATEWAY SERVICES BY ANY THIRD PARTY IN CONTRAVENTION OF THE FOREGOING STATEMENTS, INCLUDING, BUT NOT LIMITED TO REPRESENTATIONS BY THIRD PARTY SERVICE PROVIDERS OR AFFILIATE PARTNERS, EXCEPT AS SET FORTH IN THE SERVICE LEVEL AGREEMENT CONTAINED IN APPENDIX A OF THIS AGREEMENT. PAYMENT GATEWAY SPECIFICALLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS WHETHER EXPRESS OR IMPLIED ARISING BY STATUTE, OPERATION OF LAW, USAGE OF TRADE, COURSE OF DEALING, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE WITH RESPECT TO THE PAYMENT GATEWAY SERVICES, OR OTHER SERVICES OR GOODS PROVIDED UNDER THIS AGREEMENT. YOU UNDERSTAND AND AGREE THAT PAYMENT GATEWAY SHALL BEAR NO RISK WITH RESPECT TO YOUR SALE OF PRODUCTS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY RISK ASSOCIATED WITH CREDIT CARD FRAUD, ACH FRAUD, CHECK FRAUD OR CHARGEBACKS. 

12.5

Disputes The parties shall promptly investigate any disputes under this Agreement. If the disputed amount is less than five percent (5%) of the total fees invoiced by Payment Gateway for the relevant billing statement, the total amount invoiced shall be due and payable on or before the due date. If the amount in dispute is greater than five percent (5%) of the total fees invoiced by Payment Gateway for the relevant billing statement, the disputed amount may be withheld until the dispute is resolved. All disputes must be made in good faith and in writing within thirty (30) days of the billing statement date. Fees billed shall be deemed accepted where written objections are not lodged within thirty (30) days from the billing statement date. 

13.

LIMITATION OF LIABILITY

13.1

Payment Gateway Disclaimers

(a)

GATEWAY EXPRESSLY DISCLAIMS ANY LIABILITY OR LOSS, HOWEVER OCCURRING INCLUDING NEGLIGENCE, WHICH ARISES FROM OR RELATED TO ANY UNAUTHORIZED ACCESS TO YOUR FACILITIES OR TO YOUR DATA OR PROGRAMS DUE TO ACCIDENT, ILLEGAL OR FRAUDULENT MEANS OR DEVICES USED BY ANY THIRD PARTY, OR OTHER CAUSES BEYOND PAYMENT GATEWAY'S REASONABLE CONTROL. 

(b)

PAYMENT GATEWAY EXPRESSLY DISCLAIMS ANY LIABILITY OR LOSS, HOWEVER OCCURRING INCLUDING NEGLIGENCE, ARISING FROM OR RELATED TO: (I) YOUR FAILURE TO PROPERLY ACTIVATE, INTEGRATE OR SECURE YOUR ACCOUNT(S); (II) FRAUDULENT TRANSACTIONS PROCESSED THROUGH YOUR ACCOUNT(S); (III) DISRUPTION OF PAYMENT GATEWAY SERVICES, SYSTEMS, SERVER OR WEB SITE BY ANY MEANS, INCLUDING WITHOUT LIMITATION, DDOS ATTACKS, SOFTWARE VIRUSES, TROJAN HORSES, WORMS, TIME BOMBS, OR ANY OTHER TECHNOLOGY; (IV) ACTIONS OR INACTIONS BY ANY THIRD PARTY, INCLUDING WITHOUT LIMITATION, A THIRD PARTY SERVICE PROVIDER OR AFFILIATE PARTNER, OR AQUIRING BANK; OR (V) UNAUTHORIZED ACCESS TO DATA, CUSTOMER DATA INCLUDING BUT NOT LIMITED TO, CREDIT CARD NUMBERS AND OTHER PERSONALLY IDENTIFIABLE INFORMATION, TRANSACTION DATA OR PERSONAL INFORMATION BELONGING TO PAYMENT GATEWAY, YOU OR ANY THIRD PARTY. 

(c)

PAYMENT GATEWAY EXPRESSLY DISCLAIMS ANY LIABILITY OR LOSS FOR THE LEGITIMACY OF ORDERS FORWARDED FROM YOU AND FOR ANY AND ALL CLAIMS OF LOSS AND/OR FRAUD INCURRED RESULTING FROM CONCLUSIONS DRAWN FROM THE DATA PROVIDED BY ANY SERVICES PROVIDED BY PAYMENT GATEWAY, OR ANY SYSTEM OR PROGRAM ASSOCIATED THEREWITH OR THE LIMITATION OF THE FUNCTIONING OF ANY PAYMENT GATEWAY SERVICES OR SOFTWARE, HARDWARE, OR EQUIPMENT ASSOCIATED THEREWITH WHETHER IT IS OWNED BY PAYMENT GATEWAY OR OFFERED THROUGH A THIRD PARTY SERVICE PROVIDER OR OTHER ENTITY. 

13.2.

Payment Gateway Limitation of Liability

(a)

UNDER NO CIRCUMSTANCES WILL PAYMENT GATEWAY OR ANY OF ITS PARENTS, AFFILIATES OR VENDORS, OR ANY OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS OF THE PARTIES, OR ITS PARENTS, AFFILIATES OR VENDORS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES HOWEVER OR WHENEVER ARISING, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST REVENUE, LOST PROFITS, ANTICIPATED PROFITS, LOST BUSINESS OR INJURY TO BUSINESS REPUTATION, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, UNDER ANY THEORY OF LIABILITY OR CAUSE OF ACTION WHETHER IN TORT, INCLUDING NEGLIGENCE, CONTRACT OR OTHERWISE, REGARDLESS OF WHETHER IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

(b)

PAYMENT GATEWAY’S TOTAL LIABILITY TO YOU, WHETHER ARISING IN TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHERWISE, UNDER THIS AGREEMENT OR WITH REGARD TO ANY PAYMENT GATEWAY PRODUCTS OR SERVICES, SHALL NOT EXCEED THE AGGREGATE COMPENSATION PAYMENT GATEWAY RECEIVED FOR PROVIDING THE PAYMENT GATEWAY SERVICES TO YOU DURING THE THIRTY (30) DAYS PRECEDING THE DATE ON WHICH THE CLAIM AROSE OR $1,500.00 USD, WHICHEVER IS LESS. 

14.

INDEMNIFICATION

14.1

Indemnification

(a)

Payment Gateway shall defend, indemnify and hold You and any of Your officers, directors, agents and employees harmless from and against any and all third party claims, actions, proceedings, and suits and all related liabilities, damages, settlements, penalties, fines, costs or expenses (including reasonable attorneys' fees and other litigation expenses) incurred by You, arising out of or relating to any alleged infringement of a U.S. patent of any other entity or person by Payment Gateway. 

(b)

Payment Gateway’s obligations in Section 14.1.a do not apply if Payment Gateway Services or portions or components thereof (a) are modified by persons or entities other than Payment Gateway if the alleged infringement relates to such modification; (b) are combined with other products, processes or materials not supplied or recommended by Payment Gateway where the alleged infringement relates to such combination, or (c) continue to be used after Payment Gateway has made a non-infringing version available to You (collectively, “Your Faults”). If Payment Gateway Services or any component thereof becomes, or in Payment Gateway’s opinion is likely to become, the subject of a claim of infringement, then You shall permit Payment Gateway, at Payment Gateway’s sole option and expense, either to (i) procure for You the right to continue using the Payment Gateway Services as permitted in this Agreement, or (ii) replace or modify the affected Payment Gateway Services or infringing component so that it becomes non-infringing. If, after using commercially reasonable efforts, Payment Gateway is unable to cure the infringement, either party may terminate this Agreement upon notice to the other, as provided in Section 10. Notwithstanding the above, Payment Gateway’s total liability shall not exceed the amount as stated in Section 13.2.b. THIS SECTION 14.1.b STATES THE ENTIRE LIABILITY OF PAYMENT GATEWAY TO YOU WITH RESPECT TO INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS BY PAYMENT GATEWAY SERVICES. 

14.2

Indemnification by You You shall defend, indemnify, and hold harmless Payment Gateway and its Affiliate Partners, Third Party Service Providers, parents, and/or subsidiaries, and any of their officers, directors, agents and employees, from and against any and all claims, actions, proceedings, and suits and all related liabilities, damages, settlements, penalties, fines, costs or expenses (including reasonable attorneys' fees and other litigation expenses) incurred by Payment Gateway, arising out of or relating to (a) any breach or alleged breach by You of any representation, warranty, or obligation of You set forth in this Agreement; (b) any damage or loss caused by negligence, fraud, dishonesty or willful misconduct by You or any of Your employees, agents or customers; (c) the reliability, accuracy, or legitimacy of payment data or purchase orders submitted by You to Payment Gateway; (d) payment card transactions submitted by You to Payment Gateway and rejected by Payment Gateway or an issuing bank; (e) any alleged infringement of a patent, copyright, trademark or other intellectual property right resulting from Your Fault; (f) claims by Your customers, including, without limitation, claims relating to the disclosure of consumer data; (g) any alleged or actual violation by You of any applicable laws, regulations or rules of (i) the Credit Card Associations; (ii) the Gramm Leach Bliley Act; (iii) or any regulatory body or agency having jurisdiction over the subject matter hereof; or (h)any violation of Payment Gateway’s then current policies or guidelines. In the event You cause fines and/or penalties to be charged to Payment Gateway by the Credit Card Associations or any other entity, you agree to immediately reimburse Payment Gateway for said fines and penalties. 

14.3

Indemnification Procedure The obligations of each party (“Indemnitor”) under this Section 14 to defend, indemnify and hold harmless the other party (“Indemnitee”) shall be subject to the following: (a) Indemnitee shall provide Indemnitor with prompt notice of the claim giving rise to such obligation; provided, however, that any failure or delay in giving such notice shall only relieve Indemnitor of its obligations under this section to the extent it reasonably demonstrates that its defense or settlement of the claim or suit was adversely affected thereby; (b)Indemnitor shall have control of the defense and of all negotiations for settlement of such claim or suit; and (c) Indemnitee shall cooperate with Indemnitor in the defense or settlement of any such claim or suit, provided that Indemnitee shall be reimbursed for all reasonable out-of-pocket expenses incurred in providing any cooperation requested by Indemnitor. Subject to clause (b) above, Indemnitee may participate in the defense of any such claim or suit at its own expense. Indemnitor shall not, without the consent of the Indemnitee, enter into any settlement that reasonably can be expected to require a material affirmative obligation of, result in any ongoing material liability to or materially prejudice Indemnitee in any way. 

14.4

Exceptions If You are an agency or instrumentality of a state of the United States and are precluded by the law of Your state from entering into indemnification obligations, then the obligations under Sections 14.2 and 14.3 shall apply only to the extent permitted by such state law. 

15.

GENERAL PROVISIONS

15.1

Non-exclusivity Each party acknowledges and agrees that the rights granted to the other party in this Agreement are non-exclusive, and that, without limiting the generality of the foregoing, nothing in this Agreement shall be deemed or construed to prohibit either party from participating in similar business arrangements as those described herein. 

15.2

Notices All notices to You shall be given electronically, sent to the electronic mail address provided by or for You during registration for the Payment Gateway Services and/or posted in the Merchant Control Panel of Your Account. Any termination notice to Payment Gateway shall be given electronically by sending an e-mail to kimd@fcs-pays.com from within the Merchant Control panel of Your account. All other notices to Payment Gateway shall be given electronically to kimd@fcs-pays.com with a written copy to Full Commerce Solutions LLC Legal Department, 15515 W 139th Street , Olathe, KS 66062, Attention: General Counsel. Such written notice will be deemed given upon personal delivery or three (3) days after the date of mailing if sent by certified or registered mail, postage prepaid. 

15.3

Relationship of the Parties The parties are independent contractors and nothing in this Agreement shall make them joint venturers, partners, employees, agents or other representatives of the other party. Neither party shall make any representation that suggests otherwise. You further recognize that if you contracted for the Payment Gateway Services with an Affiliate Partner or Third Party Service Provider, such provider is an authorized reseller of Payment Gateway only and is not a joint venturer, partner, or agent of Payment Gateway. 

15.4

Assignment You will not have the right or the power to assign any of Your rights or delegate the performance of any of Your obligations under this Agreement without the prior written consent of Payment Gateway, including in the case of a merger. Payment Gateway will have the right to assign this Agreement to its successors and/or assigns, subsidiaries, affiliates, Affiliate Partners and/or Third Party Service Providers. 

15.5

Amendment and/or Modifications No amendment, modification, or change to any provision of this Agreement, nor consent to any departure by either party therefrom, will in any event be effective unless the same will be in writing and signed by the other party, and then such consent will be effective only in the specific instance and for the specific purpose for which given. Notwithstanding the foregoing, Payment Gateway may amend this Agreement at any time upon written or electronic notice or post notice on its Web site located at www.FCS-Pays.com to You of not less than ten (10) days prior to the effective date of such amendment; provided that the addition or change of service fees, will become effective upon at least thirty (30) days’ notice. If You do not agree to such amendments, your sole remedy is to immediately terminate this Agreement upon written notice to Payment Gateway. 

15.6

Waiver The failure of any party to insist on or enforce strict performance of any provision of this Agreement or to exercise any right or remedy under this Agreement or applicable law will not be construed as a waiver or relinquishment to any extent of the right to assert or rely upon any such provision, right or remedy in that or any other instance; rather, the same will be and remain in full force and effect. Waiver by either party of a breach of any provision contained herein must be in writing, and no such waiver will be construed as a waiver of any other and/or succeeding breach of such provision or a waiver of the provision itself. 

15.7

Dispute Resolution Any dispute or claim arising out of or relating to this Agreement, except claims involving intellectual property and claims for indemnification, will be resolved by binding arbitration. The arbitration of any dispute or claim shall be conducted in accordance with the American Arbitration Association (“AAA”) rules, as modified by this Agreement, and will take place in Chicago, Illinois, unless the Parties mutually agree to hold the proceedings elsewhere. This Agreement evidences a transaction in interstate commerce and this arbitration provision will be interpreted and enforced in accordance with the Federal Arbitration Act and federal arbitration law. An arbitrator may not award relief in excess of or contrary to what this Agreement provides or order consolidation or arbitration on a class wide or representative basis, except that the arbitrator may award on an individual basis damages required by statute and may order injunctive or declaratory relief pursuant to an applicable consumer protection statute. Any arbitration shall be confidential, and neither Party may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award. Judgment on any arbitration award may be entered in any court having proper jurisdiction. All administrative fees and expenses will be divided equally between the Parties, but each Party will bear the expense of its own counsel, experts, witnesses and preparation and presentation of evidence at the arbitration. IF FOR ANY REASON THIS ARBITRATION CLAUSE IS DEEMED INAPPLICABLE OR INVALID, THE PARTIES WAIVE, TO THE FULLEST EXTENT ALLOWED BY LAW, ANY RIGHT TO PURSUE ANY CLAIMS ON A CLASS OR CONSOLIDATED BASIS OR IN A REPRESENTATIVE CAPACITY. No action, regardless of form, arising out of or in conjunction with the subject matter of this Agreement, except for claims involving intellectual property and claims for indemnification, may be brought by either Party more than one (1) year after the cause of action arose. 

15.8

Severability;Headings If any provision of this Agreement is held to be invalid or unenforceable for any reason, the remaining provisions will continue in full force without being impaired or invalidated in any way. The parties agree to replace any invalid provision with a valid provision, which most closely approximates the intent and economic effect of the invalid provision. Headings are used for convenience of reference only and in no way define, limit, construe or describe the scope or extent of any section, or in any way affect this Agreement. 

15.9

Force Majeure Neither party will be liable for any losses arising out of the delay or interruption of its performance of obligations under the Agreement due to any acts of God, acts of civil or military authorities, civil disturbances, wars, strikes or other labor disputes, fires, transportation contingencies, interruptions in telecommunications, utility, Internet services or network provider services or other catastrophes or any other occurrences which are beyond such parties' reasonable control (each a “Force Majeure Event”), provided that the party delayed will provide the other party notice of any such delay or interruption as soon as reasonably practicable, will use commercially reasonable efforts to minimize any delays or interruptions resulting from the Force Majeure Event and in no event will any failure to pay any monetary sum due under this Agreement be excused for any Force Majeure Event. 

15.10

Governing Law;Jurisdiction This Agreement and performance under it will be interpreted, construed and enforced in all respects in accordance with the laws of the State of Illinois, without reference or giving effect to its conflicts of law principles. You hereby irrevocably consent to the personal jurisdiction of and venue in the state and federal courts located in DuPage County, Illinois with respect to any action, claim or proceeding arising out of or related to this Agreement and agree not to commence or prosecute any such action, claim or proceeding other than in such courts, except as otherwise provided in Section 15.7 above. 

15.11

Entire Agreement This Agreement together with all of Payment Gateway’s policies referenced herein sets forth the entire understanding and agreement of the parties, and supersedes any and all prior or contemporaneous oral or written agreements or understandings between the parties, as to the subject matter of this Agreement. You acknowledge that this Agreement reflects an informed, voluntary allocation between Payment Gateway and You of all risks (both known and unknown) associated with Payment Gateway Services. 

15.12

Survival The provisions of this Agreement relating to any fees or other amounts owed, payment of finance charge on unpaid fees, confidentiality, warranties, limitation of liability, indemnification, governing law, severability, headings and this paragraph shall survive termination or expiration of this Agreement. 

Appendix A - PAYMENT GATEWAY SERVICE LEVEL AGREEMENT

This Service Level Agreement (“SLA Agreement”) sets forth the SLA applicable to the various Payment Gateway Services ordered by You and provided through Payment Gateway. This SLA provides Your sole and exclusive remedies for any Service interruptions, deficiencies, or failures of any kind. If such remedies include service credits, the parties agree that such credits constitute liquidated damages. No otherwise applicable SLA, including any remedies hereunder, shall apply with respect to any Excluded Events. 

The following Service Level Targets apply to the Services. 

AVAILABILITY Service Level Target

For transaction processing services, this SLA provides that the Payment Gateway Application will be available 99.5% of the time (averaged over the calendar month). You will be eligible for service credits as set forth in the following table if this Availability Target is not met due to Outages. 

Cumulative Duration of Outages within a Calendar Month which exceed the Availability Target

Credit

10 minutes through 60 minutes 

1/30th of MRFC for Affected Service 

Each full hour in excess of 60 minutes 

1/30th of MRFC for Affected Service 

LATENCY Service Level Target

This SLA provides for monthly average response time Latency as set forth in the following table. If the monthly average Latency through the Payment Gateway Application exceeds the Targets set forth in the following table, You will be eligible for a service credit of 3/30th of the applicable MRFC for the Affected Service. 

PAYMENT GATEWAY Application Latency 

3 seconds 

Definitions

“MRFC” Monthly Recurring Fixed Charge means any and all fees You are obligated to pay to Payment Gateway including Your monthly commitment and fixed Service charges. 

“Affected Service” means only the portion of a Service actually impacted by the relevant Service Level Target. 

“Availability” means the percentage of time during a month in which the Payment Gateway application is not subject to an Outage. 

“Latency” means the monthly average time it takes for a transaction to travel through the relevant portion of the Payment Gateway Application excluding transaction settlements and any time waiting for a response from a third party. 

“Outage” means any period of at least one minute during which the Payment Gateway Application is completely unavailable or inaccessible for reasons other than an Excluded Event. An Outage begins when Payment Gateway opens the relevant trouble ticket and ends at the earlier of the restoration of the Affected Service or when the ticket is closed. All Outage measurements will be rounded to the nearest one minute increment. 

“Payment Gateway Application” means the components owned and operated by Payment Gateway excluding any components that are not owned and operated directly by Payment Gateway. 

“Excluded Events” means any event that adversely impacts the Service that is caused by (a) the acts or omissions of You, Your employees, customers, contractors or agents; (b) the failure or malfunction of equipment, applications or systems not owned or controlled by Payment Gateway; (c) Force Majeure events; (d) scheduled maintenance, alteration or implementation; (e) any suspension of Service pursuant to the Merchant Service Agreement; or (f) the unavailability of Your required personnel, including as a result of failure to provide Payment Gateway with accurate, current contact information. 

Process

You must request any credit due hereunder within 30 days of the conclusion of the month in which it accrues. You waive any right to credits not requested within this 30 day period. Credits will be issued once validated by Payment Gateway and applied toward the invoice which You receive no later than two months following Your credit request. All performance calculations and applicable service credits are based on Payment Gateway records and data. 

Limitations

This SLA does not apply to any Excluded Events, as defined in this SLA. You will not be eligible to accrue any otherwise applicable service credits: (a) during any period in which You are in violation of the Payment Gateway Merchant Service Agreement or is past due on any amounts owed in connection with the Payment Gateway Services; and (b) before the start of the first full calendar month following the Billing Commencement Date for the Affected Service. You may not carry over to subsequent months any service credits subject to the limits or exclusions of this SLA. 

In no event will the credits accrued in a single month exceed, in the aggregate across all service levels and events: thirty percent (30%) of the invoice amount for the Affected Service. 

You acknowledge that Payment Gateway manages its throughput in part on the basis of Your utilization of Service and that changes in such utilization may impact Payment Gateway’s ability to manage throughput. Therefore, notwithstanding anything else to the contrary, if You significantly change Your utilization of the Service and such change creates a material and adverse impact on the volume through the Payment Gateway Application, as determined by Payment Gateway, Payment Gateway may either modify the applicable charges or terminate the Affected Services. 

Appendix B - VALUE-ADDED SERVICES

In the event You enroll in, and Payment Gateway provides You with, Value-Added Service(s), You agree as follows: 

1.

Expansion of Services

The terms “Services” and “Payment Gateway Services,” as each is defined in the Agreement, shall include each of the Value-Added Services. Each Value-Added Service is described on the Payment Gateway Web site and in other Services Documentation provided to You from time to time. All terms of the Agreement applicable to the Payment Gateway Services shall be applicable to each Value-Added Service. 

2.

Your Obligations

In addition to Your obligations set forth in the Agreement, You agree to pay the Value-Added Service Fees, in accordance with Section 8 and Section 9 of this Agreement, in the amounts provided in the Fee Schedule provided to You by Payment Gateway and/or, if applicable Affiliate Partner. The Fee Schedule is hereby incorporated into the terms of this Agreement by reference and/or in the Value-Added Service documentation page accessed during enrollment in the applicable Value-Added Service. By checking the “I ACCEPT” button next to a Value-Added Service Fee schedule, You acknowledge Your acceptance of such fees, Your obligation to pay same and the terms and conditions applicable to the Value-Added Service. 

3.

Your Warranty

You represent, warrant, and covenant to Payment Gateway that Your use of the Value-Added Services and any information gathered by You in connection with use of a Value-Added Service: (a)will be fully compliant with all applicable local, state and federal laws, rules, and regulations; (b) will be in accordance with all applicable Services Documentation; and (c) will not be used for any purpose other than in connection with the Value-Added Service. 

4.

Acknowledgement

You understand, acknowledge, and agree that (a) You will be solely responsible for ALL transactions processed through Your payment gateway account(s), regardless of whether such transactions are monitored by a Value-Added Service; (b) You will be solely responsible for Your use of the Value-Added Service including, without limitation (i) configuring, maintaining and updating, as You deem necessary, the applicable settings for Your Value-Added Service account; and (ii) with respect to each Transaction processed via your account(s), and regardless of any data, analysis, or information generated or not generated by the Value-Added Service, as applicable, determining the appropriate action for each such Transaction (i.e., approve, void, decline, reject); (c) under certain circumstances, it may be necessary for Payment Gateway to adjust Your Value-Added Service security settings, with or without notice to You, to guard against fraudulent activity and that such actions may inadvertently cause legitimate transactions to expire, be rejected or delayed; and (d) Payment Gateway shall not be liable under any theory of law, including negligence, for any loss associated with any of the foregoing. 

5.

PAYMENT GATEWAY WARRANTY

IN ADDITION TO ANY LIMITATIONS OR DISCLAIMERS SET FORTH IN THE AGREEMENT, YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT THE VALUE-ADDED SERVICES ARE PROVIDED TO YOU BY PAYMENT GATEWAY “AS IS” AND THAT PAYMENT GATEWAY DOES NOT REPRESENT OR WARRANT THAT THE VALUE ADDED SERVICES OR ANY OTHER TECHNOLOGY, CONTENT, INTELLECTUAL PROPERTY, OR ANY OTHER INFORMATION, DATA, PRODUCTS, OR SERVICES, WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ERROR-FREE, AND THAT YOUR SOLE REMEDY FOR ANY ISSUE RELATED TO OR ARISING FROM THE VALUE ADDED SERVICES, AND PAYMENT GATEWAY'S SOLE LIABILITY FOR SAME, WILL BE TO TERMINATE THIS AGREEMENT AND DISCONTINUE YOUR USE OF THE VALUE-ADDED SERVICES. 

6.

Risk, Security and Disclosure

The risk and security suggestions provided to You in the Services Documentation for any of the Value-Added Services are solely for illustrative purposes to show best industry practices, and You shall be solely responsible for choosing the appropriate settings and parameters for Your account. 

7.

Termination

If Your Agreement is terminated for any reason, Payment Gateway shall immediately cancel access to Your Value-Added Service account. It is Your responsibility to download all reports prior to the effective date of any such termination as such reports will not be available following the termination date. 

8.

Incorporation by Reference

The Value-Added Services Fee Schedules are incorporated herein by reference. 

9.

Third Party Programs

Payment Gateway makes no warranty, express or implied, with regard to any third party services or software. 

10.

Definitions

All terms and conditions of the Agreement not specifically modified in this Appendix B shall remain unchanged and in full force and effect. Unless separately defined herein, capitalized words used in this Appendix as defined terms shall have the same meanings herein as in the Agreement. 

Appendix C - Prohibited Activities.

You agree that You will not at any time conduct Your business in any manner that directly or indirectly offers, sells, leases, licenses or displays, delivers, advertises, recommends, or promotes any product(s), service(s), data, information, image(s), text and/or any content which: 

(i) is unlawful or violates any applicable local, state, federal, national or international law, statute, ordinance, or regulation including, without limitation, Credit Card Association rules, consumer protection laws, unfair competition, antidiscrimination or false advertising; 

(ii) is associated with any illegal form of adult, sexually oriented, or obscene materials or services, including without limitation, any material clearly designed to sexually arouse the viewer/reader with images of children less than 18 years old and/or escort services; 

(iii) infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party, including, but not limited to, the unauthorized copying and posting of trademarks, pictures, logos, software, articles, musical works and videos; 

(iv) is threatening, abusive, harassing, defamatory, obscene, libelous, slanderous, deceptive, fraudulent, invasive of another's privacy, tortuous, or otherwise violate Payment Gateway’s rules or policies; 

(v) victimizes harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; 

(vi) impersonates any person or entity; 

(vii) contains harmful content, including, without limitation, software viruses, Trojan horses, worms, time bombs, cancel bots, spy-ware, or any other files, software programs, or technology that is designed or intended to disrupt, damage, surreptitiously intercept or expropriate the Services or any system, program, data or personal information or limit the functioning of any software, hardware, or equipment or to damage or obtain unauthorized access to any data or other information of any third party; 

(viii) violates any U.S. export or import laws, including, without limitation, the Export Administration Act and the Export Administration Regulations maintained by the Department of Commerce; 

(ix) offers or disseminates fraudulent goods, services, schemes, or promotions (i.e., make money fast schemes, chain letters, pyramid schemes) or engage in any unfair deceptive act or practice; 

(x) is associated with any form of illegal gambling or illegal lottery type services; 

(xi) is associated with illegal telecommunications or illegal cable television equipment or illegal satellite equipment; 

(xii) is associated with electronic wallets (i.e., “e-wallets”) or any similar payment type; or 

(xiii) is associated with the sale of (a) any controlled drug that requires a prescription from a licensed practitioner unless you are authorized by the National Association of Boards of Pharmacy to offer such products as a Verified Internet Pharmacy Practice Site and only if such a prescription has been issued by the practitioner after a bona fide examination of the patient; or (b) any over-the-counter drug, unless the sale of such product, without a prescription, has been approved by the Food & Drug Administration; or (c) nonprescription drugs that make false or misleading treatment claims or treatment claims that require FDA approval; or (d) any drug or controlled substance that Payment Gateway believes to be or may become harmful, unlawful, or prohibited. Payment Gateway requires sellers of prescription drugs to abide by all laws applicable to both the buyer and seller and may require you to provide evidence of compliance with these requirements. In addition, due to the complexities of current laws regulating the importation of controlled drugs into the United States, you may not use the Services to sell prescription drugs that are imported into the United States from an international location. The foregoing list is a non-exhaustive list of prohibited goods and services.

Payment Gateway Merchant Service Agreement

Last Revised December 06, 2023

CONFIDENTIAL



General Information

The general information area of the options allows merchants to update their general merchant contact information as well as manage their user accounts.

Account Information

Merchants can modify their general contact information by editing the fields and clicking "Save". A merchant should keep their information up to date to prevent any downtime.

User Accounts

Merchants have many options when it comes to their user accounts. Merchants can add users to give multiple individuals access to their Merchant control panel.

Adding A User

To add a user, the merchant simply clicks on "Click Here to Add a New User Account" underneath the list of users. They are then presented with the form that must be completed in order to add the user.

User Information

The user information section allows a merchant to set a user's contact information as well as their unique username and password.

Permissions

The permissions section allows merchants to give users permission to only the sections necessary. These permissions include:

Access To Virtual Terminal

Give access to manually process transactions

Access Recurring/Installment

Give access to add and modify recurring/installment transactions

Credit Existing Transactions

Give access to credit transactions that were processed through Full Commerce Solutions.

Create New Credits

Give access to create new refunds based on transactions outside of the Full Commerce Solutions system.

NOTE: This option must be enabled on the merchant's account.

Upload Transactions

Give access to upload a batch of transactions to be processed

Access Trans Reports

Give access to search for transactions through the transaction reports section.

Access Administrative Options

Give access to modify options, including user accounts, within the options section of the merchant Control Panel

Notifications

The notifications section allows merchants to send system notifications to the particular user. These notifications include:

Receive Transaction Receipts

Send a transaction receipt to the user for every transaction processed

Receive Upload Summaries

Send an upload summary to the user for every batch uploaded

Receive Settlement Summaries

Send a settlement summary of all transaction settled to the user

Receive Developer Notifications

Send any API/Integration updates or newsletters to the user

Receive Admin. Notifications

Send Scheduled Downtime or administrative notifications to the user

Receive Regular Newsletters

Send Newsletters regarding the Full Commerce Solutions1 system, updates, and industry news to the user

Modifying A User

A user can be modified by clicking on the user's name in the list of users. To get a description of the options, see the "Adding A User" section.

NOTE: The primary user's permissions CANNOT be changed. The user is allowed to access all areas of the merchant control panel.

Deleting A User

To delete a user, click the user's name and click "Delete User". Upon confirming the deletion, the user will be deleted.

NOTE: The primary user CANNOT be deleted.



Virtual Terminal

The virtual terminal allows you to submit transactions to the payment processor by manually entering the transaction information. Merchants may perform sales, authorizations, refunds, or capture existing or voice authorized transactions.

Sales 

How to manually charge a customer's credit card.

Authorization/Capture/Void 

How to Authorize and Capture a customer's credit card.

Refunds/Credits 

How to refund or credit an existing transaction.

Offline Authorizations 

How to settle a voice authorized transaction.


Sales

A sale is a transaction that is authorized and captured, or flagged for settlement. A sale does NOT need to be captured, as it is automatically flagged for settlement. A sale cannot be voided and must be refunded to reverse the transaction.


A sale can be entered by completing the following information:


Credit Card Number

The credit card number is the customers card number usually 15 or 16 characters in length.


Credit Card Expiration

The credit card expiration is the month and year of the expiration date that is displayed on the credit card. The expiration date must be entered in the format MMYY. For example, April 2024 should be entered as 0424.


Amount

The amount is the total amount the customer should be charged. The amount must be entered in the format XX.XX. For example, an amount of ten dollars must be entered 10.00.


Additional Information may be supplied when processing a sale:


Card Identifier:

The card identifier is a three or four digit code that is assigned to a customer for verification purposes. This code is often displayed on the reverse side of a card or next to the credit card number.


Order Information:

The order information section allows merchants to enter additional information about the particular sale. In addition, the PO Number, Shipping or Freight, Tax, and Tax Exempt status is typically entered to support Level 2 Data requirements for purchase cards.


Billing Information:

The billing information section allows merchants to enter the customer's information. The billing address and zip code are used for AVS (Address Verification Services).


Shipping Information:

The shipping information section allows merchants to enter information about the order's shipping destination. If the customer's shipping information is identical to their billing information, the merchant may check "Same as Billing"


Authorization/Capture/Void

Often when a product or order is not fulfilled immediately, merchants will authorize a transaction to be captured at a later time. For example, once an order is placed, the transaction should be authorized. Upon successful authorization, order processing should begin. Once the order has been shipped, an authorization should and MUST be captured in order to flag the transaction for settlement. Merchants can also VOID authorizations if they wish to cancel the authorization.


Authorizations

All information entered for authorizations is identical to the information entered for a sale. Please see the Virtual Terminal Sale information.


Captures

An authorization MUST be captured in order for the settlement to go through and the funds transferred. To capture an authorized transaction previously performed through the Full Commerce Solutions system, click the "Capture" link under the Virtual Terminal section. The ONLY required field is the Transaction ID.


Voids

A void can ONLY be performed on an authorized transaction. To void an authorization, simply enter the Transaction ID in the void area under the Virtual Terminal section.


What is a Transaction ID?

The transaction ID is the Full Commerce Solutions numerical transaction reference ID. This ID can be found within the Transaction Reports section of the merchant control panel.


Refunds/Credits

Refunds or credits are performed to reverse a previous sale transaction. By default, only transactions processed within the Full Commerce Solutions system may be refunded. If you wish to perform refunds on transactions processed outside of the Full Commerce Solutions system, please contact your merchant Reseller/ISO to have them turn this option on for your account.


Refunds

To refund a transaction, simply enter the Transaction ID and the amount you wish to refund. The amount must be less than or equal to the original amount captured.


What is a Transaction ID?

The transaction ID is the Full Commerce Solutions numerical transaction reference ID. This ID can be found within the Transaction Reports section of the merchant control panel.


Offline Authorizations

Offline transactions are transactions that have been previously authorized outside of the Full Commerce Solutions system, including voice authorized transactions.


To successfully capture a previously authorized transaction, an Authorization ID must be entered. Proceed to enter the remaining information. This information is identical to the information entered for a sale. Please see the Virtual Terminal Sale information.


Authorization ID

The authorization ID is an identifier given to a merchant after a transaction has been authorized. If the transaction has been voice authorized, the authorization ID will have been given to the merchant.

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Credit Card Processing


Processing Systems 

How the complete credit card authorization and settlement process works.

Industry Terms 

Glossary of processing industry related terms.

AVS/CVV Codes 

Reference Tables for Industry Standard Codes.

Card Testing 

What to know about card testing.


Processing Systems

The credit card processing system has many steps. Outlined below is a brief description of how a typical credit processing system works.


  1. The e-commerce transaction is submitted to a gateway such as Full Commerce Solutions. The transaction can usually be either only authorized or authorized and captured at once.
  2. If the transaction was only authorized, the merchant must capture the transaction (i.e. flag it for settlement).
  3. The gateway (i.e. Full Commerce Solutions) will settle all captured transactions, refunds, and voice authorizations at the end of the day by securely routing them to a payment processor. 
  4. The payment processor continues to route the transaction to the issuing bank (purchaser's bank) to request the funds.
  5. The issuing bank approves transfer of money to the acquiring bank which in turn credits the merchant's bank account.


AVS/CVV Codes

AVS Codes


X

Exact match, 9-character numeric ZIP

Y

Exact match, 5-character numeric ZIP

A

Address match only

W

9-character numeric ZIP match only

Z

5-character Zip match only

N

No address or ZIP match

U

Address unavailable

G

Non-U.S. Issuer does not participate

R

Issuer system unavailable

E

Not a mail/phone order

S

Service not supported

0

AVS Not Available



Card Testing

Card testing is a common type of fraud where fraudsters test a large number of stolen credit card numbers. Fraudsters acquire stolen partial or full card credentials and use them to make small purchases on a website to determine the validity of a credit card. If they receive an approval, they will know the card is valid and use it to make a larger fraudulent purchase elsewhere. They would use different tools, bots, or scripts, that submit hundreds to thousands of card not present (CNP) transaction requests on an e-commerce site within minutes. Sometimes, if a merchant's credentials are stolen or guessed, this type of fraud can occur even if you don't have an e-commerce site.

These types of attacks can be harmful to merchants as this can result in extremely large transaction fees, chargeback/dispute fees, and could potentially expose the merchant to additional fraud.


Industry Terms

Acquirer, Acquiring Bank, Acquiring Institution

The financial institution supplying the merchant with means to accept credit cards for payments. The financial institution will charge the merchant a fee for providing these services.

ACH

Automated Clearing House - Allows for the exchange and settlement of electronic payments between financial institutions.

API

Application Programming Interface - An interface allowing integration with virtually any programmable software package or platform.

AVS

Address Verification Service - Typically used for mail order/telephone order transactions, an AVS response is given to indicate the level of accuracy of a given address based on the billing address of the customer's credit card.

Authorization

A transaction verifying the availability of funds in a cardholder's account to make the purchase (usually identified by an Approval Code).

Auto Close

The feature allowing some gateways and terminals to automatically batch transactions daily without them being initialized by the merchant.

Card Issuing Bank

The financial institution that issues a credit card. This institution is responsible for issuing the statement and collecting the payments on the card.

Card Not Present

A transaction where the card is not present at the time of the transaction (moto/ecommerce). Credit card data is typically manually entered instead of swiping the card.

Cardholder

A person who holds a payment card account.

Chargeback

A credit card transaction is billed back to the merchant after a sale has been completed typically on behalf of the cardholder. The cardholder usually has disputed the transaction because of dissatisfaction or failure to deliver.

Close Batch

The process of sending a batch of transactions for settlement.

Discount Rate

The fee charged by the merchant financial institution to the merchant for services associated with processing card transactions.

Gateway

Device which passes data between networks having similar functions but different implementations.

Interchange Fee

A fee set by and collected by the bankcard association from the merchant financial institution and paid to the issuing financial institution to cover processing and float expenses incurred in billing the cardholder.

IP Address

An internet address usually represented in dotted decimal, e.g. "127.0.0.1".

ISO

Independent Sales Organization - ISOs act as a third-party between the merchant and the acquiring bank. Many businesses are unable to obtain merchant status through an acquiring bank because they are viewed as too large a risk, and need to go through an ISO to obtain merchant status.

MOTO

Mail Order/Telephone Order - Credit card transactions initiated via mail, email or telephone. Sometimes ecommerce transactions are referred to as MOTO instead of ecommerce.

Non-Qualified Transaction Fees

Bankcard sales transactions that do not meet set Mastercard & Visa criteria for that particular merchant and are processed at a higher interchange rate.

Purchasing Cards

Charge cards used by businesses to cover purchasing expenses, such as raw materials or office supplies.

Third-Party Processor

A company that provides a variety of bank/merchant services including billing, reporting, customer service, authorization, and settlement services on behalf of the acquiring financial institution.

VAR

Value Added Reseller - Third-party vendor that enhances or modifies existing hardware or software, adding value to the services provided by the processor or acquirer.

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Reports

Transaction reports can be searched by a variety of parameters. Transaction details, transaction activity, and quick transactions can also be performed on existing transactions queried through the reporting section.

Searching Transactions 

How to search transactions by various parameters.

Transaction Details 

How to view a transaction's details.

Searching Transactions

Merchants can search transactions by selecting from a group of parameters. After searching, the transactions matching those criteria are displayed. Merchants can retrieve additional information about a transaction by clicking on the transaction id. A description of this information can by found in our Transaction Details documentation.

Transactions can be searched by the following criteria:

Status

The status is the last state of a transaction. For example, a merchant can search just successful, failed or declined transactions, or all transactions regardless of status.

Transaction Type

Transactions are categorized by type. These types include Sales, Voids, Refunds, Authorizations, and Captures.

Order ID

The order ID is optionally passed by the merchant when a transaction is submitted. Merchants can then search transactions by this order ID.

Date Range

Merchants can search between a specified date range. All transactions processed within this date range will be displayed.

Amount Range

Merchants can search between a specified amount range. All transactions processed within this amount range will be displayed.

Transactions

From within the transaction options, a merchant can enable Test Mode. Test Mode allows you to process transactions without the transactions being processed in a live environment. When your account is in test mode, all transactions will be approved.

When in Test Mode, the reporting section will only list transactions processed in Test Mode. These transactions will NOT show up when you are not in Test Mode.

To Enable Test Mode

Click on "ENABLE Test Mode" to enable test mode for your account.

To Disable Test Mode

Click on "DISABLE Test Mode" to disable test mode for your account.

Transaction Details

Merchants can view additional information about a transaction including processor responses, customer and order information, as well as transaction activity.

Credit Card Information

Credit Card Number

The credit card number used to process the transaction.

Credit Card Expiration

The credit card expiration date used to process the transaction. This information is in the format MMYY.

AVS Status

The AVS Status is the processor's response to the Address Verification Service.

CVV/CVC Status

The CVV/CVC Status is the processor's response to the card verification value passed.

Customer Information

The customer information includes all information passed with the transaction pertaining to the customer.

Transaction History

The transaction history shows the merchant all activity associated with a transaction. This may include sales, voids, authorizations, captures, settlement, etc.

Transaction Actions

The merchant may also perform transaction actions by clicking a link to the right of the transaction detail. For example, a merchant can click "Refund" to the right of the transaction detail of a sale to automatically populate the refund form with the appropriate information to refund this transaction.

Security

From within the security options, a merchant can enable the revolutionary fraud protection software, Fraud Prevention™.

To Enable Fraud Prevention™

Click on the Fraud Prevention™ option and select "ENABLE Fraud Prevention™". After approving, signing, and faxing the updated billing verification, Fraud Prevention™ will be activated for your account.

To Disable Fraud Prevention™

Click on the Fraud Prevention™ option and select "DISABLE Fraud Prevention™".



Open Help Desk

Open Help Desk is designed to provide Odoo Partners and Users with on-demand Help Desk Services for Full Commerce Solutions and dooFull Commerce applications. To access support, users should send an email to support@fcs-pays.com detailing their issue or requesting a meeting. Upon receipt of the request, FCS will acknowledge the communication, assign it to the appropriate resource, and provide a timely response.

Billing for Help Desk Services is calculated on a per 15-minute increment basis. The hourly rates for our resources range from $50.00 to $150.00. Should a Help Desk Ticket evolve into a project, FCS will assess the requirements and provide a detailed quote for the hours necessary to complete the project.

All payments for services rendered will be billed at the end of each week. Invoices will be issued accordingly and payment will be collected through ACH bank transactions.



Email: support@fcs-pays.com


Full Commerce Solutions

Phone: (888)327-7297