Merchant Agreement

1. Parties

This Merchant Agreement is between PGENS GROUP SARL (PGENSPAY) and the business that registers for and uses the PGENSPAY platform (Merchant).

2. Onboarding and verification

Merchant must complete registration and provide accurate identity, business and banking documents. PGENSPAY may approve, reject or request further information before activating live payments.

3. Payment processing

PGENSPAY facilitates acceptance of payment methods that are available and approved for the Merchant. Settlement is subject to partner rules, holds for risk review, and any chargebacks or disputes.

4. Fees

Merchant agrees to the fees communicated at onboarding or in a separate pricing schedule. Fees may be deducted from settlements or invoiced as agreed.

5. Compliance

Merchant is responsible for the legality of goods and services sold, customer disclosures, refunds where required, and compliance with Cameroonian law and payment scheme rules.

6. Chargebacks and disputes

Merchant remains liable for chargebacks, refunds and related costs according to scheme and partner rules. PGENSPAY may debit the Merchant account or reserves to cover such amounts.

7. Reserves and risk

PGENSPAY may apply rolling reserves or delay settlement when risk indicators or partner requirements apply.

8. Termination

Either party may terminate according to notice terms provided at onboarding. PGENSPAY may suspend immediately for fraud, legal risk or material breach.

9. Contact

hello@pgenspay.com · PGENS GROUP SARL · Yaoundé, Cameroon