Merchant rules

These Rules define the procedure for using the SBK Pay payment acceptance service (hereinafter the “Service”), which is provided by StandartBusinessConsult LLC (hereinafter the “Company”), and form part of the services agreement for payment acceptance (hereinafter the “Agreement”). Terms defined in the Agreement are used in the Rules with the same meaning.

1. General provisions

1.1. The Rules apply to every point of sale and every terminal of the Merchant. The Merchant’s individual terms (points of sale, permitted categories of goods and services, transaction limits, refund procedure) are fixed in the Appendix to the Agreement.

1.2. The Merchant shall ensure that its employees comply with the Rules and is responsible for their actions when using the Terminal and the Dashboard.

2. Use of the terminal

2.1. The Terminal is linked to the Merchant, its point of sale and its settlement account. The Terminal is used only for payment for the Merchant’s own goods and services at the specified point of sale.

2.2. It is prohibited to transfer the Terminal to third parties, to accept payment for the goods and services of other persons, or to accept payments outside the permitted categories and limits specified in the Appendix.

2.3. The payment amount is shown to the Buyer in Local currency and in rubles at the rate at the moment of payment. No fee is charged to the Buyer.

2.4. Several points of sale, brands or branches of the Merchant are managed in one Dashboard; each point of sale has its own Terminal.

3. Purchase confirmation

3.1. For every transaction the Merchant shall provide a Purchase confirmation: a receipt, a booking confirmation or a document proving that the service was provided, with the order number. The confirmation is attached to the transaction in the Dashboard or provided in the manner specified in the Appendix.

3.2. Confirmations are stored by the Company and used to respond to requests from banks. The Company handles requests from banks concerning the Merchant’s transactions on its own.

4. Verification and control

4.1. Before onboarding, a representative of the Company visits the point of sale and checks the Merchant’s documents and owners.

4.2. At least once a month the Company reviews the average ticket, activity, refund rate and fit of the transactions with the profile of the Merchant’s business.

4.3. The system checks that the Terminal is used by the Merchant’s point of sale and not by a third party, from the transaction parameters to the point-of-sale profile. A mismatch automatically suspends the Terminal.

4.4. When the Terminal is suspended, the Merchant is told the reason right away. Operation of the Terminal resumes after the matter is clarified.

5. Refunds

5.1. Refunds are made by the Merchant through the Dashboard in the manner and within the limits specified in the Appendix.

5.2. The Merchant handles Buyers’ requests concerning its goods and services on its own.

6. Dashboard and API

6.1. Access to the Dashboard is granted to the Merchant’s authorized users. The Merchant shall keep the credentials confidential and shall inform the Company of any suspected compromise.

6.2. A REST API and webhooks are available for POS and booking systems; before connection to the production environment, the integration is tested in the test environment.

6.3. The Dashboard shows transactions, the rate, the amounts credited and the confirmations; a statement for any period can be exported for accounting.

7. Merchant obligations

7.1. The Merchant shall inform the Company in a timely manner of any change of owners, type of business, points of sale, settlement account and contact details.

7.2. The Merchant shall provide, at the Company’s request, the information and documents needed for verification under section 4.

7.3. The Merchant shall not use the Service for unlawful purposes and shall comply with the legislation of its country when selling goods and services.

8. Breaches

8.1. In the event of a breach of the Rules, the Company is entitled to suspend the Terminal, refuse to process a transaction or terminate the Agreement.

8.2. The Company is entitled to refuse to process a transaction, or to suspend or discontinue service, if the Merchant refuses to provide information or if there are reasonable grounds to suspect that transactions are unlawful.

9. Changes to the rules

9.1. The Company is entitled to make changes to the Rules. The current version is published on the Company’s website and applies to transactions made after its publication. The terms fixed in the Appendix are not changed retroactively.

This version takes effect on 22 September 2026.