1.1. These Rules of the payment organization 'Capital Pay' (hereinafter referred to as the Rules) define uniform conditions and procedures ensuring the implementation of transactions in the Capital Pay system (hereinafter referred to as the Payment Organization) and establish general requirements for the procedure for providing payment services for processing payments initiated by the client in electronic form, and transferring the necessary information to the bank, an organization that carries out certain types of banking operations, to make a payment and (or) transfer or accept money for these payments.
1.2. The rules have been developed in accordance with the Law of the Republic of Kazakhstan “On Payments and Payment Systems” (hereinafter referred to as the Law of the Republic of Kazakhstan “On Payments”) and other regulatory legal acts of the Republic of Kazakhstan.
1.3. These Rules are mandatory for execution by all Participants of the Payment Organization system.
1.4. The conclusion of agreements for the provision of payment services by the Payment Organization is carried out in accordance with the Law of the Republic of Kazakhstan 'On Payments', the Civil Code of the Republic of Kazakhstan and other regulatory legal acts of the Republic of Kazakhstan (hereinafter referred to as the RoK). In this case, the Agreement is considered concluded and comes into force from the moment the Client of the Payment Organization performs the actions stipulated in the 'Public Offer for the Provision of Services of the Capital Pay System' posted on the website of the Payment Organization at: https://capitalpay.biz.
1.5. The Rules use the terminology defined by the Law 'On Payments', the Law of the Republic of Kazakhstan 'On Electronic Document and Electronic Digital Signature', the Law of the Republic of Kazakhstan 'On Combating the Legalization (Laundering) of Criminally Obtained Incomes and the Financing of Terrorism', as well as other regulatory legal acts of the Republic of Kazakhstan governing payment transactions and ensuring their security.
2.1. Authorization – conducting checks of Participants of the Electronic Money Payment System to grant them rights to perform transactions using electronic money in the Payment Organization System, including granting access to their personal account. The authorization procedure is provided for and communicated to the Platform of Owners in the form of electronic money during registration.
2.2. Authentication – procedures and a set of measures established by the Payment Organization and communicated to the System Participants to confirm the authenticity and correctness of the composition of electronic messages, as well as to establish the fact of transmission of an electronic message directly by the System Participant specified as the sender and recipient.
2.3. The operational continuity of the Payment Organization - is a comprehensive attribute of the Payment Organization that denotes its capacity to prevent disruptions to proper functioning (including the prevention of suspension, termination, or improper execution of transactions), as well as to restore proper functioning in the event of such disruption.
2.4. PayOut – transfer of funds previously credited by the Service Provider to a specialized transit account of the Bank for the purpose of subsequent transfer to the current account of the Client’s Payment Card and/or IBAN based on instructions received by the Bank from the Payment Organization.
2.5. Identification Application – an application submitted by an individual for the purpose of identification within the Payment Organization’s System, prepared in the prescribed form, to be completed by the System Participant in order to undergo identification in accordance with these Rules, and containing a provision regarding the conclusion of the relevant agreement between the Payment Organization and the System Participant.
2.6. Identification – a procedure stipulated by these Rules, which consists in establishing the identity of an individual based on an identity document submitted by the individual to the Payment Organization, as well as other documents required for identification under these Rules, and registering the individual in the System with the retention of their personal data.
2.7. Information on data security incidents (including data on breaches and malfunctions in information systems) – information regarding individual or recurring disruptions in the operation of the information and communication infrastructure or its specific components, which pose a threat to their proper functioning and/or create conditions for the unlawful acquisition, duplication, dissemination, modification, destruction, or blocking of the electronic information resources of the Payment Organization.
2.8. Data security - is the state of protection of electronic information resources, information systems and information and communication infrastructure from external and internal threats.
2.9. The information and communication infrastructure of the Payment Organization (hereinafter – the information infrastructure) – a set of information and communication infrastructure components designed to ensure the functioning of the technological environment for the purpose of generating electronic information resources and providing access thereto.
2.10. An information asset of a payment organization - is a set of information and an object of the information and communication infrastructure used for its storage and (or) processing.
2.11. An information security incident (including violations, failures in information systems (hereinafter referred to as an information security incident) - is an individual or serial failure in the operation of the information and communication infrastructure or its individual objects that creates a threat to their proper functioning and (or) conditions for the illegal receipt, copying, distribution, modification, destruction or blocking of electronic information resources of the payment organization.
2.12. Payment history – a section in the personal account of the Electronic Money Owner, containing a chronological record of payments and other transactions made in the System by the Electronic Money Owner using electronic money.
2.13. Client – an individual who has the necessary legal capacity in accordance with the legislation of the Republic of Kazakhstan to make a Payment, who has performed implicative actions aimed at concluding a Service Agreement, and who has Authentication data to access the System for the purpose of managing his/her Account and the subsequent provision by the Payment Organization of payment services stipulated by the Rules
2.14. Personal Account – a personalized section of the Electronic Money Holder on the Payment Organization’s web resource, through which the Electronic Money Holder gains access to their electronic wallet in order to obtain necessary information on the balance of electronic money, transactions carried out, and to perform payments and other operations involving electronic money in accordance with these Rules and the agreements concluded. The list of services provided through the Personal Account of the Electronic Money Holder shall be determined by the Payment Organization.
2.15. Login – a unique sequence of characters denoting the conventional name of the electronic money Holder in the System and used for the purpose of authorization to gain access to the personal account.
2.16. International Payment System (IPS) – a settlement system between banks of different countries that operates using unified standards for the payment instruments of the respective system.
2.17. Information Security Assurance - refers to the process aimed at maintaining the confidentiality, integrity, and availability of the Payment Organization’s information assets.
2.18. Offer (Public Agreement) – a service agreement issued by the Payment Organization for the issuance, use, and redemption of electronic money. This Offer constitutes an adhesion contract pursuant to Article 389 of the Civil Code of the Republic of Kazakhstan and is published on the official websites of the Payment Organization.For the purposes of these Rules, adhesion contracts also include agreements that may, at the discretion of the Payment Organization, be concluded in accordance with the legislation of the Republic of Kazakhstan with System Participants, and published on the Payment Organization’s official web resources, governing the provision of electronic money services.
2.19. Password – a unique sequence of characters known only to the electronic money holder, used to access the services of the Payment Organization.
2.20. Partner – legal entities, sole proprietors, private notaries, attorneys, and private bailiffs who accept electronic money issued by the Payment Organization for payment of goods, services, or works rendered.
2.21. Payment Organization’s Software – the technical and software infrastructure owned or used by the Payment Organization that enables System Participants to access services for conducting electronic money transactions.
2.22. Payment/Transfer Recipient – a legal entity or individual entrepreneur who has entered into a separate agreement with the Payment Organization to receive payments from Clients for goods, or an individual receiving funds from Clients for non-commercial purposes.
2.23. Perimeter of Information and Communication Infrastructure Protection – the set of hardware and software tools that separate the Payment Organization’s internal infrastructure from external networks and ensure protection against information security threats.
2.24. Security Procedures – a set of organizational measures and software/hardware tools used to authenticate the rights of an electronic money holder and to detect errors and/or alterations in the content of transmitted or received electronic messages during the use of electronic money.
2.25. Service Provider (Merchant) – a commercial or service enterprise that sells goods, performs works, or provides services to third parties and has entered into a payment services agreement with the Payment Organization.
2.26. “Capital Pay” System / System – a set of technical tools, documentation, and organizational measures that ensure the processing of payments and other operations involving electronic money.
2.27. System Participants / Participants – the Issuer, Agent, Payment Organization, individuals (residents and non-residents aged 16 or older), and Partners who have agreed to comply with the Rules of the Payment Organization.
2.28. Information Security Threat – a set of conditions and factors that could potentially lead to an information security incident.
2.29. Electronic Message – any message created electronically and transmitted between System Participants via a secure communication channel.
2.30. Issuer / Bank – the entity responsible for the issuance and redemption of electronic money within the Payment Organization’s System.
3.1. Services related to the processing of payments initiated by the Client in electronic form, and the transmission of the necessary information to a bank or organization licensed to conduct certain types of banking operations, for the purpose of executing a payment and/or funds transfer or accepting funds in connection with such payments, are provided in coordination with the Bank's System and in compliance with the applicable legislation of the Republic of Kazakhstan.
4.1. Services related to the processing of payments initiated by the Client in electronic form, and the transmission of the necessary information to a bank or organization licensed to conduct certain types of banking operations, for the purpose of executing a payment and/or funds transfer or accepting funds in connection with such payments, are provided in coordination with the Bank's System and in compliance with the applicable legislation of the Republic of Kazakhstan.
4.1.1. The payment processing service shall be provided as follows:
4.1.1.1. The Payment Organization, under an agreement concluded with the servicing Bank, processes payments initiated by the Client, including those using bank cards, specifying the payment details and the beneficiary of the corresponding payment. The Payment Organization ensures the transmission of the payment details for execution to the respective Bank, which, in turn, executes the Client’s instruction transmitted in electronic form through the Payment Organization.
4.1.1.2. The Client initiates payments via web applications, online platforms, mobile applications (including apps for mobile devices), self-service terminal software, widgets, and other applications enabling the Client to electronically issue payment instructions for debiting funds from their bank card and crediting them to the Bank for subsequent execution of the Client`s instruction, received and transmitted by the Payment Organization.
4.1.1.3. When providing the payment service, the Payment Organization ensures the following sequence of actions:
The Client accesses the corresponding application of the Payment Organization via the Internet, mobile device, or self-service terminal;
The Client is informed about the applicable fee (commission rate) for the provision of the relevant service by the Payment Organization;
The Client reviews the terms and conditions of the payment service and accepts the public offer agreement available within the respective application;
The Client initiates a payment in favor of the Service Provider and/or a funds transfer in favor of an individual beneficiary through the application;
The Client enters the payment details required for execution by the Bank into the electronic application;
To process the payment and/or transfer, the Client provides their bank card or bank account credentials;
The Payment Organization sends a request to the Bank to initiate the Client's instruction received in electronic form;
Upon confirmation from both the Client and the Payment Organization, the Bank debits the amount of the operation initiated by the Client from the Client’s bank card and/or current account, including the commission fee of the Payment Organization;
The Payment Organization receives confirmation of payment execution from the Bank;
The Payment Organization issues the Client an electronic confirmation evidencing the transaction and the deduction of the commission fee;
Based on the transaction data received in electronic form, the Bank executes the transfer of funds to the current account of the Service Provider and/or to the Client’s bank card or IBAN, less the commission fees of the Bank and the Payment Organization;
The transfer of funds by the Bank to the Service Provider's current account for completed payments, or to the Client’s bank card and/or IBAN within the scope of received payouts from the Service Provider, is executed by the Bank in the currency allowed by the special transit account of the servicing Bank.
4.1.2. The timeframe for the provision of the payment service is within 1 to 4 business days following the day after the payment is received.
5.1. The cost of payment services (Tariffs) provided by the Payment Organization is determined in accordance with Annex No. 1 to these Rules.
6.1. Third parties are legal entities and individual entrepreneurs who:
provide services to the Payment Organization or act on behalf of the Payment Organization
are not part of the Payment Organization’s corporate group and are not employees of the Payment Organization.
6.2. The integration of third-party information systems with the Payment Organization’s systems is carried out on the basis of a concluded agreement for the provision of information and/or technological services, or an agency agreement for the acceptance of payments, which must include confidentiality clauses.
6.3. The confidentiality agreement establishes the third party’s obligation to maintain the confidentiality of the information accessed, and liability for any unauthorized disclosure of such information.
6.4. Any agreement or confidentiality arrangement concluded must reflect standard provisions ensuring that third parties comply with information security requirements. These requirements shall include, at a minimum:
Obligations to maintain the required level of information security;
Liability for any breach of these obligations;
Procedures for reporting information security incidents and breaches in the information protection system.
7.1. The Payment Organization conducts regular market research, which includes analysis of the market environment, competitiveness, and consumer purchasing power. Prior to onboarding a new Service Provider into the Payment Organization’s system, the Commercial Department carries out an economic analysis of the Service Provider’s business activities and assesses the resulting payment burden on Clients.
7.2. Following the aforementioned procedures and a positive decision regarding cooperation with the Service Provider, the necessary documentation is requested from the Service Provider in accordance with Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT) legal requirements. In the absence of compliance-related risks, technical documentation is exchanged to facilitate the integration of the Service Provider into the Payment Organization’s system via API-based interaction protocols.
8.1. Upon completion of all actions in accordance with Sections 6 and 7 of these Rules, a Service Agreement is concluded between the Payment Organization and the Service Provider.
8.2. The Payment Organization enters into a Payment Services Agreement and/or a Technical Integration Agreement with the Service Provider, which must include a clause specifying that the Payment Organization ensures the processing and acceptance of the payment by the servicing Bank in favor of the Service Provider and/or the execution by the servicing Bank of the payout transaction from the Service Provider to an individual. The agreement must also include provisions on the possibility for the Payment Organization to engage Payment Agents/Subagents to deliver payment services.
8.3. The Service Provider is registered in the System and assigned a unique identifier.
8.4. Payment services for Payouts and Payment Acceptance are provided as follows:
8.5. The Payment Organization must provide the Service Provider with details of each received payment and/or executed payout. Such information must be transmitted at the moment of payment acceptance or payout execution, based on the data provided by the Client, without errors or distortions.
8.6. Each transaction involving payment data transfer must be accompanied by the execution of an electronic document by the payment agent/subagent, in a format agreed upon with the respective Service Provider. A combination of authentication data—such as login, password, and/or terminal number within the System—is recognized as the Payment Organization's equivalent of a handwritten signature (hereinafter referred to as the 'Electronic Signature Equivalent' or ESE) and is deemed by the parties to be a valid and indisputable confirmation of the executed payment.
8.7. The Payment Organization shall charge a service fee for the payment services rendered. This fee may be deducted from the payment amount and/or charged in addition to the payment, in accordance with the applicable laws of the Republic of Kazakhstan and/or contracts concluded with Service Providers. The fee amount is determined by the Payment Organization and set in accordance with the terms of cooperation with each Service Provider.The terms, methods, and procedures for transferring the remuneration to the Payment Organization are governed by a separate agreement with the servicing second-tier Bank. These may include crediting the fee to the Payment Organization’s settlement account either:(i) before the payer’s funds are accumulated in the Bank’s special transit account,(ii) during the accumulation of such funds, or(iii) when the funds are already present in said account.
8.4.1. Payout Service:
8.4.1.1. The disbursement of funds to recipients (individuals) under the Payout Service is carried out by the Bank servicing the Payment Organization through a special transit account, based on electronic information received from the Payment Organization regarding the execution of a payment and/or transfer.
8.4.1.2. Based on the information provided by the Payment Organization, the Bank executes payouts in accordance with the legislation of the Republic of Kazakhstan and the Rules of International Payment Systems. Such payouts are secured either by (i) the Service Provider and/or the Payment Organization crediting a guarantee deposit (advance payment) to the Bank’s special transit account in an amount covering the planned volume of payout transactions to recipients, or (ii) by directly crediting the amount of each transaction, along with the Payment Organization’s service fee and the servicing Bank’s commission, from the Service Provider’s settlement account to the Bank’s special transit account.
8.4.1.3. The terms, methods, and procedures for the crediting of the Payment Organization's remuneration are governed by a separate agreement with the servicing second-tier Bank. These may include: (i) the Bank transferring the remuneration to the Payment Organization’s settlement account either (ii) prior to the accumulation of funds from the client/payer in the Bank’s transit account, or (iii) at the moment such funds are present in said account. When processing a payout transaction, the funds credited to the special transit account are transferred to the recipient’s bank card and/or IBAN.
8.4.1.4. The Payment Organization undertakes to maintain a sufficient minimum balance of the Service Provider’s funds in the special transit account to fulfill its obligations. Alternatively, upon receiving notice of a planned payout transaction, the Payment Organization must promptly replenish the Bank’s special transit account to ensure timely execution of the payouts.
8.4.1.5. If, on the day of processing the payout request, the guarantee deposit is insufficient or absent, the payment shall be deemed unsecured. The Payment Organization shall bear no liability for the Bank's failure to execute the payment to the recipient. Upon formal request, accompanied by a letter of guarantee from the Service Provider and/or an executed agreement, the Payment Organization may replenish the Bank’s special transit account with its own funds as a commercial loan or interest-free overdraft, to enable the Bank to process the payout transaction. The Service Provider shall reimburse the Payment Organization accordingly.
8.4.1.6. Additional terms and procedures related to the provision of the Payout Service by the Payment Organization shall be governed by the relevant agreement concluded with the Service Provider.
8.4.2. Payment Acceptance Service:
8.4.2.1. The service is provided by the Payment Organization submitting electronic information to the Bank regarding the processing of payer data for the acceptance of payments in favor of Service Providers for goods, works, and/or services delivered by the latter.
8.4.2.2. Payment acceptance under this service involves the accumulation of payers’ funds by the Bank in a dedicated transit account and their subsequent transfer to the settlement accounts of Service Providers. Alternatively, it may include the splitting of a payment between multiple legal entities, based on a transfer instruction received by the Bank from the Service Provider, specifying the legal entity(ies) to which the accumulated funds shall be transferred.
9.1. The risk management system of the Payment Organization is understood as a set of measures adopted by the Payment Organization for the timely identification, assessment, control, and monitoring of risks to ensure financial stability and sustainable operations. To ensure effective risk management, the Payment Organization has developed a risk management policy which includes, but is not limited to, the following:
identification, measurement, control, and monitoring of risks;
control over all monetary transactions;
development and practical implementation of measures to prevent and minimize risks;
assessment of the effectiveness of their application.
9.2. The main task of risk management in a Payment organization is to maintain an acceptable level of profitability with indicators of security and liquidity in the process of managing the assets and liabilities of the Payment organization, ie. ensuring that data loss is minimized.
9.3. The Payment Organization's risk management process includes:
anticipating risks, determining their probable size and consequences;
development and implementation of measures to prevent or minimize the associated losses.
9.2. The main task of risk management in a Payment organization is to maintain an acceptable level of profitability with indicators of security and liquidity in the process of managing the assets and liabilities of the Payment organization, ie. ensuring that data loss is minimized.
9.7. The Organization is required to comply with the following basic requirements for storing information about card details and operations performed using them:
Under no circumstances may the following be stored:
Card validation code – a three-digit number printed on the signature panel located on the card.
Only store the part of the card information that is essential for business (i.e., cardholder name, card number, expiration date).
Ensure the protection of stored card information and operations performed using them in accordance with PCI DSS (Payment Card Industry Data Security Standard) requirements.
Store all materials containing card details and information about operations performed using them in a secure location with access granted only to authorized personnel.
Destroy or erase all media containing outdated information about transactions performed with the use of cards.
9.2. The main task of risk management in a Payment organization is to maintain an acceptable level of profitability with indicators of security and liquidity in the process of managing the assets and liabilities of the Payment organization, ie. ensuring that data loss is minimized.
10.1. In the presence of mandatory provisions of legislation applicable within the state, which exclude the application of contractual terms in relations related to the activities of the Payment Organization, such mandatory provisions take precedence over the terms of these Rules.
10.2. Disputes between Participants of the Payment Organization, related to the operation of the Payment Organization or settlements between Participants, which may lead to the necessity of judicial review of disputes between Participants, shall be considered by the Payment Organization in a claim procedure.
10.3. The claim of a Participant of the Payment Organization, presented in writing on the official letterhead and signed by an authorized representative, must be sent to the other party via registered mail or another method confirming delivery of the claim to the recipient. The claim must be filed within 10 (ten) business days after the occurrence of the grounds for the claim and should include the circumstances serving as the basis for filing the claim, as well as the date the circumstances occurred. Claims submitted after the expiration of the specified period will not be considered.
10.4. The review of claims includes the examination of circumstances that allow for determining whether the Participants of the Payment Organization have fulfilled (or failed to fulfill) their functions and obligations under these Rules and the agreements concluded with them. The Payment Organization is entitled to request any information from the Participants of the Payment Organization necessary to clarify the stated circumstances.
10.5. A decision on the claim must be made within 15 calendar days after receiving the claim and sent to the Participant in writing.
10.6. In the event of an inability to resolve disputes in the claim procedure, the disputes shall be resolved in court at the location of the Payment Organization in accordance with the legislation of the Republic of Kazakhstan.
The Payment Organization takes all necessary measures to ensure that the participants in the Capital Pay settlements maintain confidentiality regarding non-public information about other Participants, which becomes known to them in connection with joining these Rules, except in cases where the information:
disclosed at the request or with the consent of the Settlement Participant who owns this information;
must be provided to third parties to the extent necessary to fulfill the obligations set forth in these Rules;
requires disclosure based on grounds stipulated by the legislation of the Republic of Kazakhstan.
11.2. The Operator ensures the continuous operation of the Capital Pay system in a 24/7/365 mode (24 hours a day, 7 days a week, 365 days a year), except during scheduled maintenance.
11.3. The Operator ensures the protection of information about funds and methods of ensuring information security, personal data, and other information that is subject to mandatory protection in accordance with the legislation of the Republic of Kazakhstan, which may become known to it in the course of activities in the Payment Organization.
11.4. Settlement Participants are obligated to take all necessary measures to ensure the security and protection of information and documents exchanged within the Payment Organization or made available to the Settlement Participants in connection with the use of the Payment Organization, as well as to identify (prevent) fraud and counter money laundering and financing of terrorism.
11.5. The means and measures to prevent unauthorized access to the software and hardware tools used by the Payment Organization, including software and hardware security tools, must provide the level of protection and confidentiality of information in accordance with the requirements set forth by the legislation of the Republic of Kazakhstan. Settlement Participants are obligated to take all necessary measures to maintain confidentiality, prevent unauthorized use, and protect identification data from unauthorized access by third parties.
11.6. When implementing information security risks, an action plan is developed to minimize the occurrence of such risks.
12.1. The system enables interaction between participants according to standardized protocols and algorithms, irrespective of the payment system through which the order payment or user payout is processed.
12.2. The operation of the system is based on electronic invoices generated upon requests from vendors and service providers on one side, and settlement with either identified or unidentified users on the other side.
12.3. The request can be made either fully automatically via API or manually through a dedicated web interface (personal account). Payment information is provided to system participants in real-time.
12.4. Payment system drivers are capable of integrating with various payment infrastructure options, including:
Internet acquiring of bank cards;
Acquiring of bank cards for point-of-sale (POS) payment acceptance.
12.5. Payment system drivers also support the use of infrastructure for disbursing funds from service providers to users, which includes:
Real-time payouts to bank cards;
Payouts via SMS code to ATMs;
Payouts to IBAN accounts of the recipient.
12.6. The system's functionality consists of the following primary modules and services:
Merchant interfaces:
API and Mobile SDK for merchant and service integration;
CMS modules and integration packages;
Client interface for merchants and service providers (personal account);
Payment refund API;
Payer notification functionality;
Invoicing functionality;
Static and dynamic payment QR code generation;
Ticket generation and processing service;
Mobile applications for Android and iOS.
Administrator interfaces:
Employee personal account for managing and monitoring operations;
Statistics generation section;
Anti-fraud analytics service;
Role creation and management section;
Agent management section;
Online system connection.
User interfaces:
Payment monitoring functionality
13.1. Amendments and/or additions to these Rules may be made either by adopting a new version of the Rules or by preparing a text of amendments and/or additions to the Rules.
13.2. The effective date of amendments and/or additions to the Rules shall be determined by the Operator, taking into account the timeframes specified in the Agreement.
13.3. In the event of disagreement by a Participant in the settlement process with the amendments and/or additions to the Rules or tariffs, they have the right to refuse further use of the Payment Organization’s services.
13.4. Any subsequent amendments and/or additions to the Rules shall be made in accordance with the procedure established by this section of the Rules.
13.5. Continued use of the Payment Organization’s services after the entry into force of any amendments and/or additions to the Rules shall constitute the Participant’s agreement to such amendments and/or additions.
Appendix No. 1to
the Rules of Operationsof
the Payment Organization LLP “Capital Pay”
1. Services for processing payments initiated by the client in electronic form, and transmitting the necessary information to the bank or an organization performing specific types of banking operations for making the payment and/or transfer, or for receiving funds for these payments, within the Payment Receipt and Payout services provided to Service Providers and Clients (individuals):
| № | Name of service categories provided by Service Providers | Pricing plan |
|---|---|---|
| 1 | Gaming Services | From 0% to 20% of the transaction amount |
| 2 | E-Money | From 0% to 20% of the transaction amount |
| 3 | Bookmakers | From 0% to 20% of the transaction amount |
| 4 | Social Networks | From 0% to 20% of the transaction amount |
| 5 | Mobile Operators | From 0% to 20% of the transaction amount |
| 6 | Gift Cards, Coupons | From 0% to 20% of the transaction amount |
| 7 | Utilities | From 0% to 20% of the transaction amount |
| 8 | MLM | From 0% to 20% of the transaction amount |
| 9 | Internet and Telephony | From 0% to 20% of the transaction amount |
| 10 | Hosting | From 0% to 20% of the transaction amount |
| 11 | Advertising | From 0% to 20% of the transaction amount |
| 12 | Insurance | From 0% to 20% of the transaction amount |
| 13 | Online Stores | From 0% to 20% of the transaction amount |
| 14 | Tickets (airline, train) | From 0% to 20% of the transaction amount |
| 15 | Microfinance Organizations (MFO) | From 0% to 20% of the transaction amount |
| 16 | Other types of services not included in separate categories | From 0% to 20% of the transaction amount |
The list of services above is not exhaustive and may be supplemented as new agreements are concluded with service providers.
2. The cost of additional fees (permissible additional commissions) charged to the Client is determined in accordance with the terms specified in the agreements concluded between the Payment Organization and the service providers, as well as other parties providing services to Clients.
3. The pricing policy regarding the additional commission charged to the payer is established by the Payment Organization independently, within the permissible values specified in the agreements.
4. The differentiation of the percentage ratio of the permissible additional commission charged to the payer depends on the market conditions for each service.
