Payrix Code of Conduct Disclosures - Canada - Version 07.2022

Information Summary Box for Sub-Merchants - Canada

Date of Contract	Effective Date: This Agreement is binding upon Sub-Merchant on date Payrix and Sub-Merchant accept the Agreement. Length of Term: Until terminated by either Payrix Canada Corp. (“Payrix”) or Sub-Merchant.
Acquirer	All networks other than Interac: Peoples Trust Company 1400-888 Dunsmuir Street Vancouver, BC V6C 3K4 Canada Telephone: 1-844-308-2083 www.peoplespayments.com
Cancellation of Contract(s) and Applicable Penalties	Sub-Merchant’s and Payrix’s Right to Cancel: The Agreement may be terminated by the Sub-Merchant at any time by closing the Sub-Merchant’s Account. Payrix may terminate this Agreement and close Sub-Merchant’s Account for any reason or no reason at any time. Termination of the Agreement by either Sub-Merchant or Payrix is without any early termination fee or penalty. Should Sub-Merchant wish to discuss cancelling the Agreement, please contact the below Platform by telephone at_____________________, or by e-mail at _____________________.com
Complaint Handling Procedures	Platform and Payrix: Complaints regarding Account, operational, and billing issues: Platform: E-Mail: Telephone: Payrix: Mail: Legal Department, 5605 Glenridge Dr. Suite 375, Sandy Springs, GA 30342 E-Mail: Support@payrix.com Telephone: (855) 672-9749 Online: https://payrix.atlassian.net/servicedesk/customer/portal/1/group/1/create/252	Processor: Escalated Complaints: Worldpay from FIS, Legal Department 8500 Governors Hill Drive, Mail Drop 1GH1Y1, Symmes Township, OH 45249-1384 USA Online and Telephone: https://www.fisglobal.com/en/merchant-solutions-worldpay/complaints Telephone: 1-800-548-5326	Acquirer: Escalated Complaints: Peoples Trust Company 95 Wellington St W Suite 1310, Toronto, ON M5J 2N7 Online: https://www.peoplestrust.com/en/about-us/resolving-your-concerns/ Details on how to file a complaint by phone, email or regular mail is detailed at the link above.
Information About Payment Terminals	Not applicable
Contactless Payments Acceptance	Not applicable
Transaction Return Policy	Card acceptance fees will be applied to transaction returns as follows: See below Other Fee Disclosure Box. Processor may retain interchange on return transactions, in accordance with Processor’s standard operating procedures.
Independent Sales Organization or Referral Agent (where applicable)	Platform: _____________________ Address: _____________________ E-Mail: _____________________ Telephone: _____________________ Platform acts as a third party and it is not an affiliate, subsidiary, or a member of the Acquirer. Platform is a service provider to Sub-Merchant and referral agent to Payrix and Payrix becomes Sub-Merchant’s agent for the delivery of transactions via the applicable processing network.
Code of Conduct	The Code of Conduct can be accessed at: http://www.fcac-acfc.gc.ca/Eng/forIndustry/publications/lawsReg/Pages/CodeofCo-Codedeco.aspx
Statements	Platform, on behalf of Payrix, will provide Sub-Merchant a statement each month via the Platform’s online Sub-Merchant portal and/or email and not by paper statement unless otherwise set forth on the Application. Any statement charges are set forth in the Other Fee Disclosure Box set forth on the following page.

Fee Disclosure Box

The below fee summary is provided to Sub-Merchant solely as a representation of the fees associated with accepting a specific payment card type and method. It is intended as a guide and does not provide the complete cost of card acceptance across all card types. For a complete list of all transaction fees, interchange downgrade fees, and other fees associated with your card acceptance, please refer to the below Other Fee Disclosure Box which is part of the Application.

Fee Summary
Payment Card Type			Processing Method
These are the most common domestically issued card types and processing methods. They do not represent all the possible fees and variations that are charged to merchants	Card/Device Present Means that the card/device was electronically read (contact or contactless interface or mag-stripe).		Card/Device Not-Present Means that the card/device was not electronically read. Generally, the card information is manually key-entered, e.g., mail/telephone order, online, recurring payment).
	Discount %	Per Item	Discount %	Per Item
American Express
Interac Debit Cards
MasterCard Business Cards
MasterCard Core Cards
MasterCard Corporate Cards
MasterCard Debit Cards
MasterCard Prepaid Cards
MasterCard World Cards
MasterCard World Elite Cards
Visa Business Cards
Visa Business Premium Cards
Visa Corporate Cards
Visa Corporate Premium Cards
Visa Debit Cards
Visa Infinite Cards
Visa Infinite Privilege Cards
Visa Prepaid Cards
Visa Standard Credit Cards
Visa Commercial Prepaid Cards

Other Fees Disclosure Box

Other fees that may apply include:

eCheck Processing Fees: sale transaction - $0.00, refund transaction - $0.00, return transaction - $0.00
Chargebacks and Related Fees: chargeback request or return - $00.00, retrieval request – $00.00, ACH representment - $00.00, arbitration case (possible additional fees from payment networks) - $00.00
Dynamic Payment Fees: Per instruction funding (standard funding) - $0.00

Other fees disclosed in Application and/or by Platform.