TERMS AND CONDITIONS TO YOUR RECURRING PAYMENT FACILITY
These terms and conditions regulate the relationship between the Parties in respect of the Recurring
Payment Facility. These terms and conditions have to be read in conjunction with the Merchant Services
General Terms and Conditions and will form part of Your agreement with the Bank. You must read and
understand the Merchant Agreement carefully prior to entering into the agreement with the Bank. It
contains important information about Your and the Bank’s legal rights and duties. A copy of these terms
and conditions are available online (visit www.fnb.co.za) and can be supplied to You by post, fax and
email. It is Your duty to speak to the Bank if You do not understand any part of these terms and conditions
and/or any Product and/or Service Specific Terms and Conditions, prior to entering into this agreement.
1.
1.1
GENERAL
You will have a Recurring (ongoing) Transaction when You enter into an agreement with a Cardholder in terms of
which he/she can buy goods and/or services over a period of time.
Recurring Transactions are multiple Transactions processed regularly, with not more than 1 (one) year passing
between the Transactions.
Part of this service will be outsourced to a Third Party Service Provider i.e. technical support.
Financial support issues must be queried with the Bank.
You agree that the use of the service is at Your own risk.
The services are provided to You "as is" and "as available" and the Bank and its Third Party Service Providers
make no representation and/or warranty relating to the services, including, without limitation to its performance,
availability, content, service levels and/or functionality.
The Bank makes no warranties, representations, statements and/or guarantees with regard to the suitability of the
service for a particular purpose, performance or software and You indemnify the Bank against any claims arising
there from accordingly.
1.2
1.3
1.4
1.5
1.6
1.7
2.
2.1
2.1.1
2.1.1.1
2.1.1.2
2.1.2
2.1.2.1
2.1.2.2
2.1.3
2.1.4
2.1.4.1
2.1.5
2.1.6
2.1.7
2.1.7.1
2.1.7.2
2.1.7.3
YOUR OBLIGATIONS
Authorisation
For batch upload
You do not need to recreate the list every month.
You may edit the list as and when required.
First transaction
All Transactions must have a first Transaction. This Transaction indicates the beginning of a series of Recurring
Payment Transactions.
First Transactions must have a Card number, CVV number and expiry date.
The first Transaction in the series must be authenticated and must follow the Authorisation payment rules
associated with an authenticated Transaction. Subsequent authorisation requests in the recurring series must be
processed as recurring Transactions;
these Transactions must not contain authentication data i.e. ECI and the CAVV indicators;
The Authorisation of the first Transaction needs to be stored by You together with the original permission obtained
to debit the Cardholder’s account.
The “Recurring Payment Data” field, “Recurring Frequency” field, and “Recurring Expiry” field in the payer
authentication request message must be completed where You and a Cardholder have agreed to a RPI;
The “Recurring Expiry” field must contain a date that is later than the original authentication date;
There are three ways to interact with the RPI system, they are: batch upload, direct system login and through an
Access Point Name (“APN”).
The Authorisation and original permission listed above must be produced if the Cardholder disputes the
Transactions.
As the Cardholders’ Cards are Association based, present day Chargeback rules apply.
Certain BINs are restricted by the Card Issuer and do not allow RPI transactions. In such cases the customer must
be contacted and advised that a replacement Card should be used by the customer’s bank.
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2.1.8 Subsequent transactions
2.1.8.1 Certain Card issuers periodically expire their Cards. As such the Authorisation obtained for the collection of RPI
payments will be terminated should the Card expire. In such cases the customer must be contacted for new Card
details. A new first Transaction is to be submitted.
3.
3.1
INDUSTRY REQUIREMENTS
The interface with the Bank’s Third Party Service provider will be by Secure File Transfer Protocol (“SFTP”) only.
4.
4.1
4.1.1
4.1.2
4.1.3
4.1.4
INVALID TRANSACTIONS
A Transaction will be invalid if:
the date of the Transaction is before the start date shown on the Card;
the Card has expired and/or You did not get authorisation;
the Transaction does not comply with the obligations set out in clause 2 above; and/or
You are in default of the Merchant Agreement at the time when You concluded the Transaction.
5.
5.1
CHARGEBACKS
You will have the right to make representations to the Bank on why You should benefit from Chargeback liability
shift protection for subsequent recurring Transactions once the initial Transaction is fully authenticated, as long as
You provide the following when You make Your representations:
5.1.1 a copy of the payer authentication request which contains the relevant recurring payment data, including:
5.1.1.1 the frequency of recurring Transactions;
5.1.1.2 recurring expiry obtained from the initial Transaction; and
5.1.1.3 documentation as required by the Bank and in the merchant operating regulations.
6.
7.1
CHANGES/INTERRUPTIONS IN SERVICE
The Bank may, from time to time perform maintenance services and/or experience hardware, software and/or other
related problems which may result in interrupted service, delays and/or errors in the services. The Bank will
endeavour to provide prior notice of such interruptions, delays and/or errors but cannot guarantee that such notice
will be provided.
7.
8.1
PRICING
This clause is to be read in conjunction with the Merchant Services General Terms and Conditions and Your
Statement.
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