CHNH SCH DCH V BANKING TH QUC T

IU 1: CC THUT NG
Th: l phng tin thanh ton do cc T chc pht hnh th pht hnh thc hin giao dch th.
T chc pht hnh th (TCPHT): l ngn hng, t chc tn dng phi ngn hng, t chc tn dng hp
tc, t chc khc khng phi l t chc tn dng c php thc hin vic pht hnh Th cho ch th s
dng theo quy nh ca php lut.
n v chp nhn th (VCNT): l cc t chc hoc c nhn cung ng hng ho, dch v c ngn
hng cho php s dng dch v thanh ton trc tuyn bng th.
T chc th quc t (TCTQT): l cc cng ty pht hnh v thanh ton th quc t, hin ti bao gm
cng ty th Visa Incorporation, cng ty th Mastercard Incorporation, Cng ty th JCB, cng ty th Diners
Club, th American Express v cng ty th China Union Pay.
Th quc t: l th mang thng hiu ca cc TCTQT, hin ti bao gm th Visa, MasterCard, JCB,
Union Pay, Diners Club/ Discover, th American Express.
Th Commercial card: l mt loi th c th s dng thanh ton nh cc th thng thng nhng
ch th c min trch nhim khi c pht sinh tra sot khiu ni lin quan n giao dch gi mo ca th
ny.
Thi hn hiu lc ca th: l khong thi gian k t khi pht hnh cho n ngy cui cng m Th
cn gi tr thc hin giao dch hoc trong trng hp Th c thi hn hiu lc c biu th theo thng th
Th s c gi tr s dng n ht ngy cui cng ca thng c in trn Th.
PCI DSS (Payment Card Industry Data Security Standard): l chun quy nh v bo mt ca cc
TCTQT bao gm cc yu cu v k thut v vn hnh nhm ngn nga ri ro trong hot ng thanh ton
th.
CVV2(card verification value)/ CVC2(card verification code)/ PCSC(personal Card Security
Code): l m s xc thc th, gm ba s hoc bn s c in ring mt sau hoc mt trc ca th.
S th: l dy s do TCPHT to ra cho mi th. S th c th c in ni, in chm trn th hoc khng
in trn th i vi trng hp th o khng c phi th.
Ch th: l c nhn hoc t chc c TCPHT cung cp Th s dng, bao gm ch th chnh v
ch th ph.
Khch hng: l cc c nhn hoc t chc thc hin cc giao dch mua bn trc tuyn trn website ca
VCNT.
Hon tt giao dch: Khi khch hng nhn c hng ha hoc dch v ca bn B.
Dch v thanh ton an ton: c hiu l dch v thanh ton m bo ca 1Pay.
Ti khon ng bng: L s tin giao dch c tm gi trong ti khon ca bn B trong khi khch
hng thc hin giao dch thanh ton an ton .
Phong ta ti khon: L s tin ca khch hng c a vo trng thi kim sot khi giao dch c
nghi vn l gi mo hoc c ri ro.
Ha n trc tuyn: L cc ha n c cc n v chp nhn th xut cho khch hng qua email
hoc trn website qua Interrnet.
M giao dch (hay m ho n): L du hiu nhn bit mt giao dch v c chuyn cho cng thanh
ton x l. Cc m giao dch ny l duy nht cho mt t chc bn hng.
Khiu ni: l khiu ni cho mt giao dch t pha ngi mua hng. Khiu ni thng dn n hu qu
l xut hin giao dch i bi hon. Mt khiu ni c th xut hin bi cc l do nh b li dng thng tin
th, giao dch li
Ph thanh ton th: l mc ph VCNT phi thanh ton cho 1PAY theo quy nh ti Ph lc km theo
ca Hp ng ny.
Khon bo m kh nng thanh ton VCNT: l khon tin VCNT k qu ti 1PAY hoc mt t
l phn trm gi tr giao dch m 1PAY gi li m bo kh nng thanh ton ca VCNT trong cc
trng hp c quy nh c th ti Hp ng ny.
Giao dch: l cc giao dch mua bn hng ho dch v trc tuyn c ch th s dng th thanh
ton, bao gm c vic iu chnh v hon tr vo ti khon th ca ch th.

Giao dch gian ln, gi mo: l giao dch xy ra khi mt c nhn/ t chc khng phi l ch th s
dng th hoc thng tin v th mua hng ha v dch v m khng c s cho php ca ch th. Vic
xc nh giao dch gi mo da trn cc thng tin tra sot khiu ni ca ch th hoc da trn cc bo co
gi mo hoc da trn kt lun iu tra, xc minh ca c quan chc nng.
Cp php: l vic TCPHT xc nhn ti khon ca ch th ti thi im giao dch cn s d v/hoc
hn mc tn dng thc hin giao dch.
Bn xc nhn giao dch: bao gm nhng thng tin lin quan n giao dch nh tn hng ha hoc dch
v, s lng, chng loi, phng thc, a im v thi hn giao hng, tng gi tr ca giao dch, phng
thc thanh ton, s th s dng thanh ton (s th phi giu bt s, khng th hin y ), h tn ngi
mua hng, ngi nhn hng, v cc thng tin khc (nu c),.... Bn xc nhn giao dch c VCNT gi
cho ch th thng qua cc phng tin in t v l c s tham chiu gii quyt cc tranh chp pht sinh.
Ngy lm vic: l ngy Ngn hng m ca giao dch vi khch hng.
Sn phm s: l tt c cc sn phm, dch v do bn B cung cp c s dng Dch v cng c thanh
ton ca 1PAY trong khun kh php lut Vit Nam khng cm.
Ti khon trc tuyn: c hiu l ti khon trn mng. Khch hng np tin vo ti khon trc
tuyn sau dng ti khon ny thanh ton cho cc dch v mnh s dng .
IU 2: CHNH SCH GI BN V HN MC THANH TON
n gi nh nht l 10.000 ng/ Sn phm hoc dch v hoc cc mnh gi khc theo quy nh ca
ngi bn. n gi ln nht nh hn hoc bng 2.000.000 VN/ Sn phm hoc dch v (Hai triu ng
chn/ Sn phm hoc dch v). n gi trn bao gm VAT.
Hn mc thanh ton nh hn hoc bng: 20.000.000 VN/ ngy (Hai mi triu ng chn/ ngy)
IU 3: CHNH SCH TI CHNH V BN HNG
a) Cam kt v ti chnh
Bn B cam kt:
Khng yu cu khch hng cung cp cc thng tin ti chnh c nhn nh ti khon ngn hng, s th tn
dng, mt khu ng nhp ti khon h thng.
Khng yu cu khch hng tr thm ph khi thanh ton bng 1Pay.
Gi tr thanh ton phi bao gm y cc loi ph hp l nu c (vn chuyn, dch v) v thu
theo quy nh ca php lut.
Khng gi nhng yu cu thanh ton tng b thu hi (Charge Back).
Cung cp cho khch hng nhng chnh sch i/tr v bo hnh mt cch r rng v hp l, cung cp
cho Bn A ni dung cc chnh sch khi c yu cu v c trch nhim thng bo mi khi c thay i
hoc cp nht.
b) Theo di v kim sot giao dch
Khi nhn c tin nhn v/hoc email ca 1Pay thng bo v giao dch thanh ton, bn B c trch nhim
kim tra h thng qun l hoc ng nhp vo c s d liu sau chuyn hng ho hoc thc hin cung
cp dch v cho khch hng theo ng cht lng v thi hn cam kt trong m t khi ng bn ng thi
lu li cc chng t hp l nh ha n bn hng hoc phiu xut kho c ch k khch hng, vn n ca
hng vn chuyn v.v i chiu trong trng hp cn thit.
c) Hon li tin (Refund)
Trong trng hp khng c hng ha bn, hng ho b tr li, dch v b hu b hoc c s iu chnh gi
c hng ho/dch v, Bn B phi thc hin thay th hay iu chnh cho khch hng bng cch chuyn yu
cu hon tr li tin cho khch hng qua h thng ca 1Pay thc hin ghi c ti khon cho ch th. Bn B
c trch nhim thc hin qu trnh hon tin theo cc quy nh ca 1Pay nh sau:
o S tin hon tr khng c vt qu tng s tin giao dch gc, thi gian hon tr khng chm hn
01(mt) thng k t ngy giao dch b hy b.
o Bn B c trch nhim chu mc ph hon tin/ mt giao dch theo quy nh ca 1Pay l : 5.000VN (nm
nghn ng) i vi th visa, master card v 1.600VN (mt nghn su trm ng) i vi th ni a (Chi
ph trn cha bao gm VAT).
IU 4: BNG PH

Bn A tr trc tip vo s tin bn B nhn c trong cc giao dch thanh ton theo biu ph c th di
y:
STT Khon mc ph
Mc ph
1
Ph ci t v trin khai dch v Min ph

M t
Ph tr mt ln

Ph duy tr dch v hng thng

Min ph

Ph tr hng thng

Ph x l giao dch

6.300 VND/giao dch

Thu trn tng giao dch

Ph giao dch chp nhn th:

Th
Visa/Master/JCB/American
Express

Y%/gi tr giao dch

(Y ph thuc chu k
thanh ton)

Thu trn giao dch thnh cng

Ghi ch:
Ph x l giao dch th: p dng vi mi giao dch 1PAY nhn c t VCNT thng qua h thng ca
Cng thanh ton bao gm giao dch cp php, giao dch thanh ton thnh cng, giao dch t chi, giao dch
hu v giao dch hon tr.
Tt c cc mc ph cha bao gm VAT.
IU 5: PHN CHIA DOANH THU
Phn chia doanh thu: Tng doanh thu chia s m bn B nhn c cho hnh thc giao dch chp nhn
th (khng bao gm thu GTGT) c tnh nh sau:
DTB = DTbank_quocte x TL bank_quocte - (S giao dch)x6.300 VN
Trong :
DTB: Tng doanh thu (khng bao gm thu GTGT) m bn B c hng (n v: VN) sau khi tr
cc loi ph.
DTBank_quocte: Tng doanh thu chia s (khng bao gm thu GTGT) bng chnh thc giao dch th m
bn B c hng (n v: VN). DTBank_quocte = DTE.U /1,1 trong DTE.U: Doanh thu thu khch hng (
bao gm VAT).
TLBank_quocte: T l chia s doanh thu m bn B c hng. Nh vy:
TLBank_quocte = 100% - Y (Mc ph x l giao dch chp nhn th)
1) Trng hp chu k thanh ton 7 ngy + 1.
Ph giao dch chp nhn th Y=5% (Thu trn giao dch thnh cng)
Nh vy: TL bank_ quocte = 100% - 5% = 95%
DTB = DTbank_ quocte x95% (S giao dch)x6.300 VN
2) Trng hp chu k thanh ton 15 ngy + 1.
Ph giao dch chp nhn th Y=4,6% (Thu trn giao dch thnh cng)
Nh vy: TL bank_ quocte = 100% - 4,6% = 95,4%
DTB = DTbank_ quocte x95,4% (S giao dch)x6.300 VN
3) Trng hp chu k thanh ton 30 ngy + 1.
Ph giao dch chp nhn th X=4,5% (Thu trn giao dch thnh cng)
Nh vy: TL bank_ quocte = 100% - 4,5% = 95,5%
DTB = DTbank_ quocte x95,5% (S giao dch)x6.300 VN
4) Trng hp chu k thanh ton 30 ngy + 15.
Ph giao dch chp nhn th Y=4,4% (Thu trn giao dch thnh cng)
Nh vy: TL bank_ quocte = 100% - 4,4% = 95,6%
DTB = DTbank_ quocte x95,6% (S giao dch)x6.300 VN
Trong :
T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca n v cung
cp phng tin thanh ton, hoc tha thun gia 2 bn.

CNG TY C PHN 1PAY CNG HA X HI CH NGHA VIT NAM

--------------------------- c lp T do Hnh phc

S: 05 /2015/1PAY H ni, ngy 01 thng 05 nm 2015
THA THUN CUNG CP V S DNG DCH V MNG X HI
1.Cc ni dung cm trao i, chia s trn mng x hi:
Li dng vic cung cp, s dng dch v Internet v thng tin trn mng nhm mc ch:
- Chng li Nh nc Cng ha x hi ch ngha Vit Nam; gy phng hi n an ninh quc gia, trt t an
ton x hi; ph hoi khi i on kt dn tc; tuyn truyn chin tranh, khng b; gy hn th, mu thun
gia cc dn tc, sc tc, tn gio;
- Tuyn truyn, kch ng bo lc, dm , i try, ti c, t nn x hi, m tn d oan, ph hoi thun
phong, m tc ca dn tc;
- Tit l b mt nh nc, b mt qun s, an ninh, kinh t, i ngoi v nhng b mt khc do php lut quy
nh;
- a thng tin xuyn tc, vu khng, xc phm uy tn ca t chc, danh d v nhn phm ca c nhn;
- Qung co, tuyn truyn, mua bn hng ha, dch v b cm; truyn b tc phm bo ch, vn hc, ngh
thut, xut bn phm b cm;
- Gi mo t chc, c nhn v pht tn thng tin gi mo, thng tin sai s tht xm hi n quyn v li ch
hp php ca t chc, c nhn.
Cn tr tri php lut vic cung cp v truy cp thng tin hp php, vic cung cp v s dng cc dch v
hp php trn Internet ca t chc, c nhn.
Cn tr tri php lut hot ng ca h thng my ch tn min quc gia Vit Nam ".vn", hot ng hp
php ca h thng thit b cung cp dch v Internet v thng tin trn mng.
S dng tri php mt khu, kha mt m ca t chc, c nhn; thng tin ring, thng tin c nhn v ti
nguyn Internet.
To ng dn tri php i vi tn min hp php ca t chc, c nhn; to, ci t, pht tn phn mm
c hi, vi-rt my tnh; xm nhp tri php, chim quyn iu khin h thng thng tin, to lp cng c tn
cng trn Internet.
2. Quyn, trch nhim ca ngi s dngdch v mng x hi
c s dng cc dch v trn Internet tr cc dch v b cm theo quy nh ca php lut.
Tun th thi gian hot ng ca im truy nhp Internet cng cng.
Khng c kinh doanh li cc dch v Internet di bt k hnh thc no.
Tun th cc quy nh v bo m an ton thng tin, an ninh thng tin v cc quy nh khc c lin quan.
c s dng dch v ca mng x hi tr cc dch v b cm theo quy nh ca php lut.
c bo v b mt thng tin ring v thng tin c nhn theo quy nh ca php lut.
Tun th quy ch qun l, cung cp v s dng dch v mng x hi.
Chu trch nhim v ni dung thng tin do mnh lu tr, cung cp, truyn a trn mng x hi, pht tn
thng tin qua ng lin kt trc tip do mnh thit lp.
Bng vic ng k thnh vin, bn khng nh rng:
Bn s chu hon ton trch nhim vi cc thng tin v hot ng ca mnh ti www.1Pay.vn.
Khng ng ti hay bnh lun v cc vn chnh tr, tn gio, sc tc vi phm php lut.
Khng truyn b cc ni dung vn ho phm bo lc, i try, tri vi thun phong m tc Vit Nam.
Ch s dng dch v ca chng ti cho cc mc ch s dng c nhn, phi thng mi.
Khng c gng truy nhp bt hp php n dch v, thu thp cc thng tin hoc ti liu, cc ti khon
ca thnh vin khc. Khng gy cn tr hoc ph ri dch v.
Bn ng rng s khng ti ln, gi, xut bn, ti sn xut, truyn hoc phn pht di bt k hnh thc
no:
Bt k thng tin bt hp php gy nguy hi, vi phm php lut v o c x quc gia hay nc ngoi.
Cc thng tin dn n vic truyn b hoc khuyn khch cc hnh vi tri lut php.
Cc ti liu qung co, khuyn mi, "th linh tinh", "th rc", "th gi hng lot" v cc thng tin
khc m thnh vin khng mong mun hoc khng cho php v mc ch thng mi.

 Cc thng tin sai v lch lc.

Thng tin hoc phn mm no c cha bt k loi virus, cc on m my tnh, cc tp tin hoc cc
chng trnh c thit k gy cn tr, ph hng hoc hn ch cc chc nng ca phn cng, phn mm
my tnh hoc thit b vin thng.
Bng vic ng ti thng tin, bn cho php chng ti quyn s dng, ti bn, sa i, iu chnh,
ng, dch, to cc tc phm da trn ni dung , phn pht, thc hin, trng by v qung b ni dung
trn phm vi ton th gii v/hoc kt hp ni dung vi cc tc phm khc di bt k hnh thc, phng
tin truyn thng, hoc k thut no hin c bit ti hoc s c pht trin sau ny m khng phi tr
tin bn quyn, c th s dng vnh vin, chuyn nhng v chuyn giao hon ton cho ngi khc.
3. Quyn, trch nhim ca t chc, doanh nghip thit lp mng x hi
1Pay m bo vic cung cp dch v mng x hi cho cng cng tr cc dch v b cm theo quy nh ca
php lut;
Cng khai tha thun cung cp v s dng dch v mng x hi;
1Pay xy dng v m bo cc bin php bo v b mt thng tin ring, thng tin c nhn ca ngi s
dng; thng bo cho ngi s dngv quyn, trch nhim v cc ri ro khi lu tr, trao i v chia s thng
tin trn mng;
Bo m quyn quyt nh ca ngi s dngkhi cho php thng tin c nhn ca mnh c cung cp cho t
chc, doanh nghip, c nhn khc;
Khng cung cp thng tin cng cng c ni dung vi phm quy nh php lut;
Phi hp vi c quan qun l nh nc c thm quyn loi b hoc ngn chn thng tin c ni dung vi
phm quy nh khi c yu cu;
Cung cp thng tin c nhn v thng tin ring ca ngi s dngc lin quan n hot ng khng b, ti
phm, vi phm php lut khi c yu cu ca c quan qun l nh nc c thm quyn;
C h thng my ch ca cng ty c t ti Vit Nam a ch Cng ty in ton v truyn s liu VDC
Ta nh Internet - L 2A - Lng Quc t Thng Long - ng Nguyn Phong Sc - Phng Dch Vng qun Cu Giy - H Ni, cho php ti thi im bt k cng c th p ng vic thanh tra, kim tra, lu tr,
cung cp thng tin trn ton b cc trang thng tin tin t, mng x hi do Cng ty s hu;
Thc hin vic ng k, lu tr v qun l thng tin c nhn ca ngi thit lp trang thng tin in t c
nhn v ngi cung cp thng tin khc trn mng x hi theo quy nh ca B Thng tin v Truyn thng.
Bo m ch nhng ngi cung cp y , chnh xc thng tin c nhn theo quy nh mi c thit lp
trang thng tin in t c nhn hoc cung cp thng tin trn mng x hi;
Bo co theo quy nh v chu s thanh tra, kim tra ca cc c quan qun l nh nc c thm quyn.
Doanh nghip xy dng Quy ch cung cp, trao i thng tin trn trang thng tin in t c nhn ti trang
thng tin in t cung cp dch v ca doanh nghip, bo m khng vi phm cc quy nh ca php lut v
quy nh ti Ngh nh 72/2013/N-CP ngy 15/7/2013 ca Chnh ph v qun l cung cp, s dng dch v
internet v thng tin trn mng v Thng t s 09/2014/TT-BTTTT ngy thng nm 2014 ca B Thng tin
v Truyn thng quy nh chi tit hot ng qun l, cung cp, s dng thng tin trn trang thng tin in t
tng hp v mng x hi.
Chng ti c Xy dng v tun th thep quy trnh qun l thng tin v c s d liu v cc thnh vin tham
gia ph hp vi quy m cung cp dch v do doanh nghip qun l.
C bin php k thut v quy trnh qun l ch ng thc hin vic ngn chn v loi b nhng ni dung
thng tin vi phm ngay khi t pht hin hoc nhn c phn nh ca ngi s dnghoc khi c yu cu ca
c quan qun l nh nc c thm quyn. ng thi cung cp thng tin c lin quan n ni dung thng tin
vi phm theo yu cu ca c quan qun l Nh nc c thm quyn.
Chu s thanh tra, kim tra ca cc c quan nh nc c thm quyn theo quy nh ca php lu t hi n hnh.
m cc iu kin v tn min:
- y k t to nn tn min khng ging hoc trng vi tn c quan bo ch.
- Khng s dng cng mt tn min trng vi Trang thng tin in t tng hp ca cng mt t chc, doanh
nghip.
- Tn min n thi hn s dng t nht l 06 (su) thng ti thi im ngh cp php v phi tun th theo
ng quy nh ca B Thng tin v Truyn thng quy nh v qun l v s dng ti nguyn Internet.

Cam kt: Khng s dng trang thng tin in t www.1Pay.vn vi mc ch:

- Chng li nh nc Cng ha x hi ch ngha Vit Nam; gy phng hi n an ninh quc gia, trt t, an
ton x hi; ph hoi khi i on kt ton dn; tuyn truyn chin tranh xm lc; gy hn th, mu thun
gia cc dn tc, sc tc, tn gio; tuyn truyn, kch ng bo lc, dm , i try, ti c, t nn x hi, m
tn d oan; ph hoi thun phong, m tc ca dn tc.
- Tit l b mt nh nc, b mt qun s, an ninh, kinh t, i ngoi v nhng b mt khc c php lut
quy nh;
- a cc thng tin xuyn tc, vu khng, xc phm uy tn ca t chc; danh d, nhn phm ca cng dn;
- Chng ti cam kt vic thit lp trang thng tin in t, vic cung cp, truyn a, lu tr, s dng thng
tin in t v cung cp dch v mng x hi trc tuyn trn trang 1Pay.vn phi tun th cc quy nh ca
php lut v cng ngh thng tin, php lut v s hu tr tu, php lut v bo ch, php lut v xut bn,
php lut v bo v b mt nh nc, php lut v bn quyn, php lut v qung co v cc quy nh qun
l thng tin in t trn Internet.
- Chng ti cam kt tun th ng cc quy nh ca php lut v vic thit lp v xy dng ni dung trang
tin. Nu sai chng ti xin hon ton chu trch nhim trc php lut.
4.C ch x l i vi thnh vin vi phm tha thun cung cp v s dng dch v mng x hi;
Cc nguyn tc i vi ngi s dng:
Ngi s dngvi phm tha thun cung cp v s dng mng x hi th ty theo mc nghim trng ca
hnh vi vi phm s b x pht tng ng.
Trng hp hnh vi vi phm ca Ngi s dngcha c quy nh trong tha thun ny th ty vo tnh
cht, mc ca hnh vi vi phm, 1Pay s n phng, ton quyn quyt nh mc x pht hp l.
Hnh thc x pht kha ti khon c thi hn hoc vnh vin.
Cc hnh thc x pht:

Hnh thc x pht 1: Kha ti khon 7 ngy

Hnh thc x pht 2: Kha ti khon 15 ngy

Hnh thc x pht 3: Kha ti khon 30 ngy hoc kha ti khon vnh vin.
Hnh thc x pht 3, kha ti khon 30 ngy hoc kha vnh vin c p dng bao gm nhng khng gii
hn i vi cc hnh vi sau:
Ngi s dngc hnh vi li dng 1Pay nhm chng ph nc Cng Ha X Hi Ch Ngha Vit Nam.
Hnh vi ny bao gm nhng khng gii hn vic ngi dng t tn thnh vin c nhn trong phng cng
ng trng tn vi cc v nhn, cc v anh hng ca dn tc, cc v lnh o ca ng v nh nc, hoc
ngi dng c s dng hnh nh, video, pht ngn, cht c cha thng tin bn lun v vn chnh tr
hoc tit l b mt nh nc Cng ha X hi Ch ngha Vit Nam.
Thng tin, hnh nh, video khiu dm: Ngi s dng ng ti hnh nh, m thanh, video khiu dm, chat
sex hocTrong ng ti thng tin v a ch phng cht sex trc tip, video khiu dm, tuyn truyn cc c
ni dung khiu dm.
Thng tin c cc, c bc: Li dng 1Pay ngi dng ng ti ni dung thng tin, hnh nh, m thanh, video
cha thng tin t chc cc hnh thc c cc, c bc hoc cc tha thun lin quan n tin, hin kim,
hin vt.
Lan truyn thng tin la o: S dng vn bn, hnh nh, m thanh hoc video c cha thng tin la o, gi
lm chnh thc hoc cc t chc, c nhn, gian ln, la o ti sn ca ngi khc.
Ph hoi h thng mng x hi 1Pay: Thnh vin li dng vic s dng sn phm xm nhp vo h thng
my ch nhm ph hoi sn phm hoc cn tr vic truy cp thng tin. Thnh vin s dng cng c k thut
nhm tng im hot ng, vt phm hoc nhm treo my, spam chat.
S dng phng cng ng li ko t chc hi hp thc t bn ngoi thc hin cc hnh vi vi phm
php lut.
Hnh thc x pht 2, kha ti khon 15 ngy theo khon 1 iu ny c p dng bao gm nhng khng
gii hn i vi cc hnh vi sau.
Hnh vi giao tip: Cht khiu dm mc nh, spam chat, kch ng cc thnh vin khc n cc knh
khc ca 1Pay gy ri hoc tuyn truyn nhng thng tin vi phm. C nhn s dng Micro uy hip v
khng b MC.

Xm phm ring t: S dng hnh nh c nhn ca ngi khc, cng khai nhng t liu c nhn v nhng
thng tin ca khc nh danh tnh, a ch, s in thoi m cha c s ng v tin hnh gi in quy
nhiu hoc khch ng ngi khc quy nhiu.
Cng kch ngi khc: S dng hnh nh, thng tin, m thanh hoc video, xc phm, a thng tin xuyn
tc, vu khng, nho bang, xc phm uy tn ti t chc, c nhn.
Vi phm bn quyn: n cp cc ni dung trn cc knh, sao chp hoc trch dn m khng c php s
dng bn quyn ca ngi khc.
Hnh thc x pht 1, kha ti khon 7 ngy theo khon 1 iu ny c p dng bao gm nhng khng gii
hn i vi cc hnh vi sau.
Cng kch, xuyn tc, xc phm nhn phm cc thnh vin khc.
ng ti video, m thanh, truyn b vn ha phm i try
Li ko cng ng thnh vin tham gia Phng cng ng c ch ch bng cc cu view sai phm, vi phm
vn ha o c.
Cc hnh nh video c Stearming, ng ti c tnh cht nhy cm, khiu gi, dung tc.
5.Cnh bo cho ngi s dngcc ri ro khi lu tr, trao i v chia s thng tin trn mng
1Pay s khng chu trch nhim php l cho nhng thit hi, nhng hu qu ny sinh trc tip, gin tip,
ngu nhin t vic truy cp hay ngoi vic truy cp c ti ng dng hoc website ny hoc cc trang lin
kt. 1Pay v cc t chc lin quan khng phi chu trch nhim i vi cc yu cu bi thng, bao gm cc
khon l ph php l hp l, ca bt k bn th ba no do hoc pht sinh t vic Ngi s dng s dng
dch v, t ni dung m Ngi s dng gi, ng, truyn ti hoc cung cp trn ng dng hoc website,
vic Ngi s dng vi phm TOS (Term of services), vic Ngi s dng vi phm bt k quyn ca bt k
ngi no khc, hoc vic Ngi s dng vi phm lut php hin hnh.
Chng ti c quyn n phng xa, ngng hoc hn ch vic s dng cc ni dung do thnh vin ng ti
vi phm cc iu khon trong TOS hoc tri vi cc quy nh ca 1Pay Ngi s dng ng rng chng
ti khng chu trch nhim php l v nhng thng tin do thnh vin ng ti, bao gm nhng khng gii
hn i vi tnh xc thc ca thng tin cng nh chng ti khng kim sot cch hnh x trong cng nh
ngoi ng dng hoc website ca thnh vin.
Trn Website ca 1Pay xut hin link website, hoc biu tng website khc, nhng website ny khng
thuc kim sot hoc s hu ca 1Pay. Vic truy cp ti cc trang khc ny hon ton c th gp ri ro, nguy
him. Ngi S Dng hon ton chu trch nhim ri ro khi s dng website lin kt ny. 1Pays khng
chu trch nhim v ni dung ca bt k website hoc im n no ngoi trang www. 1Pay.vn.
1Pay mong mun tr thnh sn chi trc tuyn vn ha, b ch, cng bng v hp php. V vy, nu Ngi
s dng pht hin bt c hnh vi hoc ni dung no vi phm cc tha thun trn, vui lng thng bo cho
chng ti qua link Bo vi phm hoc gi email b phn k thut nghip v ca chng ti. Nu c khiu ni
v ni dung b xem l vi phm, vui lng gi email gii trnh cho admin hoc gi ti tng i...
TOS ny cng vi Quy nh quyn ring t c coi l ton b tha thun gia Ngi s dng v 1Pay v
vic Ngi s dng s dng dch v do 1Pay cung cp. Vic 1Pay khng th thc hin hoc thi hnh bt k
quyn hn hoc iu khon no c quy nh trong TOS s khng c coi l t b cng nh khng chu
trch nhim php l i vi quyn hoc iu khon ti bt k thi im no sau . Nu bt k iu
khon no ca TOS b v hiu th cc iu khon khc ca TOS vn s c y gi tr v hiu lc.
6. C ch gii quyt khiu ni, tranh chp gia cc thnh vin mng x hi vi t chc, doanh nghip
thit lp mng x hi hoc vi t chc, c nhn khc;
Khi ngi s dng ng k to ti khon v c 1Pay cung cp ti khon s dng mt phn hoc ton
b sn phm ca 1Pay th bt k tranh chp pht sinh trong qu trnh s dng ca bn s c gii quyt
theo php lut hin hnh ca nc Cng ha x hi ch ngha Vit Nam.
Bt k khiu ni no pht sinh t tha thun s dng ti khon 1Pay ny hoc tha thun s dng sn phm
khc ca phi c trnh trong vng 03 (ba) thng k t ngy xy ra vi phm. Quy trnh gii quyt khiu
ni t co v bi thng c ng ti trn website www.1Pay.vn, 1Paych h tr, gii quyt khiu ni, t
co ca bn trong trng hp bn ghi y , trung thc v chnh xc thng tin khi ng k ti khon.

i vi tranh chp gia ngi s dng vi nhau hoc gia ngi s dng vi 1Pay s cn c log h thng
gii quyt. Theo , 1Pay s bo v quyn li ti a c th cho ngi s dng ng k y thng tin
theo quy nh. Quyt nh ca 1Pay l quyt nh cui cng.
Trong trng hp mt hoc mt s iu khon ca tho thun ny xung t vi cc quy nh ca lut php
v b Ta n tuyn l v hiu, iu khon s c chnh sa cho ph hp vi quy nh php lut hin
hnh, v phn cn li ca tha thun s dng vn gi nguyn gi tr.
7. Cng khai vic c hay khng thu thp, x l cc d liu c nhn ca ngi s dngdch v trong
tha thun cung cp v s dng dch v mng x hi
Kim tra vic cam kt tn trng thng tin c nhn ca ngi s dng. Chng ti c gng cung cp cho
Ngi s dng kinh nghim s dng an ton. Bng Quy nh Bo mt ny a ra b su tp d liu trc
tuyn, nhng quy nh v hot ng s dng c p dng cho tt c trang web ca chng ti. Bng vic
dng trang web www.1Pay.vn, Ngi s dng ng s dng nhng quy nh v nhng hot ng c
m t trong bng ny. Chnh sch ny c th thay i theo thi gian nn Ngi s dng hy kim tra li theo
nh k. Bng Quy nh Bo mt ny ch p dng vi nhng thng tin chng ti thu thp trn trang web
www.1Pay.vn v khng p dng vi nhng thng tin chng ti thu thp trn bt k trang no khc. Vic
Ngi s dng truy cp, ng k, s dng trang Web ny c ngha rng Ngi s dng ng v chp nhn
rng buc bi cc iu khon ca bn quy nh bo mt ca chng ti.
Thng thng, chng ti s dng cc thng tin Ngi s dng cung cp ch hi p nhng cu hi hay
thc hin cc yu cu ca Ngi s dng. Chng ti cng c th dng nhng thng tin chng ti tp hp
c thng bo n Ngi s dng nhng sn phm hoc dch v khc ang c trn 1Pay hoc nhng
cng ty lin kt vi n hoc lin h vi Ngi s dng bit quan nim ca Ngi s dng v nhng
sn phm v nhng dch v hin ti hoc nhng sn phm v dch v mi tim nng c th c a ra.
Thng tin c nhn ca Ngi s dng c th b chia s vi nhng cng ty khc, nhng ch khi cn thit
p ng cc yu cu ca Ngi s dng hay cho nhng mc ch lin quan. Chng ti khng cung cp cc
thng tin c nhn ca Ngi s dng cho bn th 3 thc hin cc dch v cho ring h khi cha c s
ng ca Ngi s dng. Nhng chng ti c th chia s thng tin cho cc c nhn, cng ty m chng ti
thu cung cp cc dch v cho chng ti. Chng ti cng c th cung cp cc thng tin khi thng tin
c xc nh c nh hng, tc ng tiu cc cho bn th ba, chng ti cng c th cung cp, tit l nhng
thng tin ny khi c php lut cho php v trong bt c cc trng hp khc m chng ti c s xc nh
hp l rng iu cn thit cung cp dch v cho cc c nhn. D liu khch hng ca 1Pay c th c
chuyn nhng cho ngi k tha hay ngi c ch nh qun l cng ty khi cng ty b sp nhp, b
mua li hoc ph sn. Chng ti c mt khu vc Ngi s dng c th lin lc vi chng ti. Bt k phn
hi no Ngi s dng gi n cho chng ti s tr thnh ti sn ca chng ti v chng ti c th dng
phn hi (chng hn cc cu chuyn thnh cng) cho cc mc ch tip th, hoc lin h vi Ngi s
dng c thm thng tin. Chng ti ch tp hp li cc thng tin c nhn trong phm vi ph hp v cn
thit cho mc ch thng mi ng n ca chng ti. V chng ti duy tr cc bin php thch hp nhm
bo m tnh an ton, nguyn vn, chnh xc, v tnh bo mt nhng thng tin m Ngi s dng cung
cp. Ngoi ra, chng ti cng c nhng bin php thch hp m bo rng bn th ba cng s dng cc
bin php bo m an ton cho cc thng tin m chng ti cung cp cho h.
Cookies l nhng file nh c Download ghi chp cc hot ng trong 1 Website. Trang web 1Pay s
dng cookie thu thp cc thng tin d liu thng k, y mnh cc tin ch v cch bo mt thng tin c
nhn ca Ngi s dng. Tuy nhin Cookie khng ghi chp ht ton b cc thng tin c nhn. Ngi s
dng c th chp nhn hoc t chi dng Cookie. Hu ht nhng trang web lin quan t ng chp nhn
cookie, nhng c th Ngi s dng thng thay i nhng sp t t chi tt c nhng cookie nu
Ngi s dng thch. Thay vo , Ngi s dng c th thay i nhng sp t thng bo cho Ngi s
dng mi ln mt cookie b yu v cho php t chi cookie trong mt nn tng c nhn. Tuy nhin, nu
Ngi s dng chn t chi cookie, iu c th gy cn tr cho vic thc hin v nh hng khng ti
n kinh nghim ca Ngi s dng trn trang web
8. Chnh sch bo v thng tin c nhn, thng tin ring ca ngi s dngdch v mng x hi.
a- Thu thp v s dng thng tin c nhn
Thng tin c nhn l d liu c th c s dng nhn dng hoc lin h vi mt ngi.

Bn c th c yu cu cung cp thng tin c nhn ca mnh bt c lc no bn lin h vi 1Pay. 1Pay v

cc cng ty con ca 1Pay c th chia s thng tin c nhn ny vi nhau v s dng thng tin tun theo Chnh
sch quyn ring t ny. Thng tin ny cng c th kt hp vi thng tin khc cung cp v ci thin sn
phm, dch v, ni dung v qung co ca chng ti. Bn khng bt buc phi cung cp thng tin c nhn
chng ti yu cu, nhng nu bn chn khng cung cp thng tin c nhn, trong nhiu trng hp chng
ti s khng th cung cp cho bn sn phm hoc dch v ca chng ti hay tr li bt k thc mc no bn
c th c.
Khi bn chia s ni dung ca mnh vi gia nh v bn b bng cch s dng dch v ca 1Pay, hoc mi
ngi khc tham gia vo dch v hoc din n 1Pay, 1Pay c th thu thp thng tin m bn cung cp v
nhng ngi nh tn, a ch gi th, a ch email v s in thoi. 1Pay s s dng nhng thng tin
nh vy thc hin cc yu cu ca bn, cung cp sn phm hay dch v c lin quan hoc v mc ch
chng la o.
Thng tin c nhn chng ti thu thp cho php chng ti thng xuyn lin lc vi bn v cc thng bo
thng tin mi nht, cp nht phn mm v s kin sp ti ca 1Pay. Nu bn khng mun c tn trong danh
sch gi th ca chng ti, bn c th chn khng tham gia bt c lc no bng cch cp nht ty chn ca
bn.
Chng ti cng s dng thng tin c nhn gip chng ti to, pht trin, vn hnh, cung cp v ci thin
dch v, ni dung v qung co, cng nh v mc ch ngn chn tn tht v chng gian ln.
Chng ti cng c th s dng thng tin c nhn cho cc mc ch ni b nh kim ton, phn tch d liu
v nghin cu ci thin sn phm, dch v v lin lc vi khch hng ca 1Pay.
Chng ti cng thu thp d liu theo hnh thc bn thn n khng cho php lin kt trc tip vi bt k c
nhn c th no. Chng ti c th thu thp, s dng, chuyn giao v tit l thng tin phi c nhn v bt k
mc ch no. Di y l mt s v d v thng tin phi c nhn m chng ti thu thp v cch chng ti c
th s dng chng:
Chng ti c th thu thp thng tin v ngh nghip, ngn ng, m bu in, m vng, m nh danh thit b
duy nht, URL gii thiu, v tr v mi gi ni s dng sn phm ca 1Pay chng ti c th hiu r hn
v hnh vi ca khch hng v ci thin sn phm, dch v v qung co ca chng ti.
Nu chng ti kt hp thng tin phi c nhn vi thng tin c nhn th thng tin c kt hp s c coi
l thng tin c nhn cho n khi no vn cn kt hp.
b- Cookie v cc cng ngh khc
Trang web ca 1Pay, cc dch v trc tuyn, ng dng tng tc, email v qung co c th s
dng cookie v cc cng ngh khc nh th pixel v b web. Nhng cng ngh ny gip chng ti hiu r
hn v hnh vi ngi dng, cho chng ti bit mi ngi truy cp vo nhng phn no ca trang web, to
thun li v o lng hiu qu ca qung co v tm kim trn web. Chng ti coi thng tin thu thp bng
cookie v cc cng ngh khc l thng tin phi c nhn. Tuy nhin, trong phm vi a ch Giao thc internet
(IP) hoc cc nh dng tng t c coi l thng tin c nhn theo lut php a phng, chng ti cng
coi nhng m nh danh ny l thng tin c nhn. Tng t, trong phm vi thng tin phi c nhn c kt
hp vi thng tin c nhn, chng ti coi thng tin c kt hp l thng tin c nhn v cc mc ch ca
Chnh sch quyn ring t ny.
Cng nh vi hu ht cc dch v internet, chng ti t ng thu thp mt s thng tin v lu tr trong tp
nht k. Thng tin ny bao gm a ch Giao thc internet (IP), loi trnh duyt v ngn ng trnh duyt, nh
cung cp dch v Internet (ISP), trang web v ng dng gii thiu v thot, h iu hnh, nhn ngy/thi
gian v d liu lung nhp chut.
c- Tr em
Tr di 14 tui hoc tui ti thiu tng ng theo quy nh php lut c lin quan, khng c php
to 1Pay ID ca ring mnh, tr khi cha m ca tr ng thng qua Chng trnh 1Pay ID cho hc sinh
hoc l mt phn ca quy trnh to ti khon cho tr em. V d: cha m phi xem xt tha thun Tit l
thng tin 1Pay ID v ng vi Tha thun cho php 1Pay thu thp, s dng v tit l thng tin v con ca
bn.
Nu bt k lc no cha m cn truy cp, sa hoc xa d liu lin kt vi ti khon ca h hoc 1Pay ID ca
con h, th c th lin h vi chng ti thng qua Hotline hoc Email.

1Pay c th cp nht Chnh sch quyn ring t ca mnh. Khi chnh sch ca chng ti c nhng thay i
quan trng, thng bo s c ng trn trang web ca chng ti cng vi Chnh sch quyn ring t c
cp nht.
Ni nhn :
Cc PTTH&TTT ;
Lu VT

CNG TY C PHN 1PAY

Gim c

Luyn Ngc Huy

CNG HA X HI CH NGHA VIT NAM

c lp - T do - Hnh phc
________oOo________
HP NG HP TC
S: 1PAY_.../stt-nm/HDHT/Account_1Pay.vn
(V/v: Cung cp dch v cho thu nn tng thanh ton)
Cn c B lut Dn s c Quc hi nc Cng ha x hi ch ngha Vit Nam thng qua ngy 14
thng 06 nm 2005;
Cn c Lut Thng mi c Quc hi nc Cng ha x hi ch ngha Vit Nam thng qua ngy
14 thng 06 nm 2005;
Cn c Lut vin thng s 41/2009/QH12 ngy 23 thng 11 nm 2009 c hiu lc thi hnh t ngy
01/7/2010 v cc vn bn hng dn lut thc hin hp ng v gii quyt cc tranh chp pht sinh t
hp ng ny.
Cn c kh nng v nhu cu ca hai bn.
Hm nay, ngy thng nm , chng ti gm:
Bn A: CNG TY C PHN 1PAY
a ch
: S nh 66B, Khu cu 4, Phng H Cu,
KKD
Qun H ng, H Ni
in thoi
: (84.4) 364 06627
M s thu
: 0106086776
S ti khon
: 000.89916.001
Ngn hng
: Ngn hng Tin Phong Chi nhnh H Ni
i din bi
: ng Luyn Ngc Huy
Chc v
: Gim c
Bn B: .
a ch
KKD
:
in thoi
:
M s thu
:
S ti khon
:
Ngn hng
:
i din bi
:
Chc v
:
Xt rng:
BN A l mt doanh nghip cung cp nn tng h tng k thut gip kinh doanh dch v v hng ha
trn nn vin thng, kinh doanh v bn l hng ha trn internet, qung co trc tuyn;
BN B l n v cung cp cc sn phm, ni dung s trn internet v in thoi di ng;
Do vy, sau khi xem xt cc cam kt chung, cc bn nht tr tha thun cc iu khon v iu kin nh sau:

IU 1: NI DUNG V PHM VI
1.1
Hai bn nht tr tho thun hp tc trn c s cng c li pht trin, t chc khai thc v cung
cp dch v nn tng gii php thanh ton (sau y gi tt l Dch V) kinh doanh cc dch v trn nn
vin thng, dch v ni dung trn in thoi di ng (games/ng dng/video/...), bn l hng ha trc tuyn
(thng mi in t), kinh doanh dch v v hng ha vin thng khc (sau y gi tt l Sn phm s)
ph hp vi quy nh ca php lut Vit Nam.
1.2
Hai bn cng hiu bn cht ca ni dung hp tc ny l: Bn B s dng Dch v ca bn A lm
phng tin thanh ton cho cc Sn phm s ca bn B. Cc Dch v ca bn A c phn phi t cc Hp
ng hp tc ca bn A vi cc Nh mng v cc n v cung cp Dch v uy tn trn th trng.
1.3
Phm vi hp tc: trn lnh th nc Vit Nam.
1.4
Cc quy nh c th trong qu trnh hp tc kinh doanh, khai thc tng Dch v c quy nh c
th ti cc Ph lc km theo.
1.5
Cc ni dung v hnh thc hp tc khc: Cc vn pht sinh phi c thng bo v tha thun
i ti thng nht bng vn bn, nhng vn bn tha thun mi ny c coi l ph lc hp ng v l mt
phn khng th tch ri khi hp ng.
IU 2: TRCH NHIM V QUYN LI CA BN A
Trch nhim:
2.1
m bo cht lng v duy tr hot ng n nh ca h thng h tng k thut p ng cc
yu cu s dng Dch v ca khch hng c thng sut v kp thi;
2.2
Bng hp ng ny, Bn A cam kt khng th can thip vo Sn phm s ca Bn B. Bn A s
khng chu bt k trch nhim lin i no lin quan n cc pht sinh v php l t Sn phm s ca bn
B;
2.3
Chu trch nhim cung cp cng c thng k trc tuyn, tra cu giao dch cho Bn B;
2.4
Chu trch nhim cung cp v h tr v k thut cho Bn B v cc khch hng ca Bn B. Cung
cp v hng dn cho Bn B cc ti liu v cch s dng Dch v m bo vic cung cp Dch v cho cc
khch hng c ng n, kp thi v thng sut;
2.5
Thng bo kp thi cho Bn B cc nhc im hoc sai st trong cc Dch v m Bn A pht hin
t bt k ngun no;
2.6
H tr vi Bn B thc hin v gii quyt mi khiu ni ca khch hng v vn k thut ca
Dch v;
2.7
Chu trch nhim i sot, xc nhn s liu v thanh ton vi cc n v cung cp phng tin
thanh ton v thanh ton cho Bn B hng thng.
Quyn li:
2.8
c quyn khai thc cc hnh nh Sn phm s ca Bn B trn cc phng tin truyn thng ca
Bn A.
2.9
c quyn t cc hnh nh (logo,...) v/hoc lin kt qung co thng hiu ca Bn A trn cc
Sn phm s ca Bn B trong qu trnh hp tc;
2.10
c quyn yu cu Bn B tm dng hoc ng hon ton Dch v ang dng ca Bn A trn cc
Sn phm s ca Bn B nu pht hin mt trong cc trng hp sau: Sn phm s c ni dung khng ph
hp, thu ph khch hng khng minh bch, vi phm php lut Vit Nam; Bn B qung co trn cc knh c
ni dung gy nh hng n uy tn ca Bn A.
2.11
Chm dt v dng vic hp tc vi Bn B mt cch v iu kin, khng cn thng bo cho Bn B
nu pht hin Bn B vi phm cc ni dung hp tc v/hoc c s tc ng ca cc c quan nh nc;
2.12
Bn A c thu ph Nn tng thanh ton trung gian nh quy nh trong cc ph lc km theo hp
ng.
IU 3: TRCH NHIM V QUYN LI CA BN B
Trch nhim:
3.1
Nu Bn B l Doanh nghip, Bn B phi cung cp bn sao cng chng Giy ng k kinh doanh
c nhm ngnh bao hm cc Sn phm s hai bn hp tc. Trong thi gian hiu lc ca hp ng, nu Bn
B c thay i ng k kinh doanh th Bn B phi m bo Giy ng k kinh doanh sa i bao hm nhm

ngnh Sn phm s hai bn v ang hp tc v phi thng bo vi Bn A bng vn bn ng thi cung

cp cho Bn A bn sao cng chng Giy ng k kinh doanh mi.
3.2
Bng hp ng ny Bn B y quyn cho Bn A thu h ph khch hng u cui theo quy nh
trong kch bn thu ph trn Sn phm s ca Bn B. Bn A c trch nhim thanh ton phn doanh thu cho
Bn B theo quy nh ti Ph lc km theo ca hp ng. Phn doanh thu cn li Bn A s thanh ton cho
n v cung cp phng tin thanh ton v thu ph Nn tng thanh ton trung gian.
3.3
Chu trch nhim ton b v tnh php l, bn quyn, giy php kinh doanh ca Sn phm s, cht
lng, n i dung ca cc Sn phm s m Bn B cung cp ra th trng, Bn A khng c bt k trch nhim
no lin quan ti cc sn phm s ny;
3.4
Chu mi trch nhim lin quan ti qu trnh cung cp sn phm s ra th trng, trong trng hp
pht sinh li, trch nhim lin quan ti qu trnh cung cp cc sn phm ny, Bn A khng chu bt c trch
nhim no v kinh t cng nh trch nhim php l;
3.5
Xy dng, trin khai kinh doanh v m bo hot ng cho vic cung cp Sn phm s n khch
hng ca Bn B c thng sut v chnh xc (bao gm cc chng trnh phc v kt ni, trao i, cung cp
thng tin v gi c Sn phm s chnh xc ti Khch hng);
3.6
Chu trch nhim tun theo cc cc tiu chun k thut, kt ni ca bn A. Khng c php thay
i cc thng s k thut, kt ni ny nhm mc ch trc li hoc kt ni Dch v n cc Sn phm s
cha c s ng ca bn A. Nu bn A pht hin bn B vi phm ni dung ny th bn A khng thc hin
thanh ton Doanh thu cho cc Sn phm s trong qu trnh vi phm. Bn A c quyn tm dng hoc ng
hon ton dch v v n phng chm dt hp ng.
3.7
Chu mi trch nhim lin quan n cc knh truyn thng, cc hnh thc qung b, kinh doanh,
phn phi Sn phm s do Bn B t thc hin. Bn B khng c php p dng hnh thc SPAM trong qu
trnh qung b, kinh doanh, phn phi Sn phm s. Vic s dng hnh thc ny l vi phm cc quy nh ca
B thng tin truyn thng v Cc c quan qun l ca Nh nc. Trong trng hp Bn A hoc cc c quan,
t chc khc pht hin Bn B vi phm, Bn A c quyn tin hnh ct ton b doanh thu ca Bn B trong
thng pht hin vi phm v c th ng hon ton dch v, n phng chm dt hp ng.
3.8
Trong mi Sn phm s (ng dng, tr chi, ni dung khc di dng ng dng hoc
wap/web ...), khi ngi dng s dng v c yu cu tr ph, th bn cung cp Sn phm s bt buc phi
nim yt gi r rng, bt buc phi c thng bo xc nhn tr ph ngi s dng t nguyn la chn th
Sn phm s mi thc hin vic tr ph khch hng. Mi giao dch tr tin khch hng ca bn B m khng
c s ng di dng thng bo xc nhn u b coi l vi phm v bn cung cp Sn phm s phi chu
mi trch nhim khi xy ra khiu ni, bi thng, ng hy Sn phm s, thanh kim tra ca cc bn lin
quan.
3.9
Chu trch nhim v thu pht sinh t ngun doanh thu hng thng bn B c hng;
Quyn li:
3.10
c thanh ton doanh thu t cc Dch v hp tc vi Bn A;
3.11
c quyn tra cu s liu i sot, doanh thu hng thng c cng b chi tit trn Nn tng
thanh ton trung gian ti website 1pay.vn
3.12
c quyn yu cu Bn A cung cp cc thng tin cn thit m bo trin khai cung cp Dch
v v thc hin kt ni, trao i d liu kp thi;
IU 4: IU KHON V DOANH THU
4.1
Doanh thu Bn A (K hiu DTA): l doanh thu 1PAY thu v t cc dch v hai bn hp tc sau khi
tr i cc khon chi ph ca nh mng (telcos), cc chi ph thu knh thanh ton khc (nu c).
4.2
Doanh thu chia s (K hiu DT): l doanh thu 1PAY bt u dng chia s t cc dch v hai bn
hp tc sau khi tr i thu VAT (10%). (Trong : DT = DTA /1,1)
4.3
Cc chi ph ni trn c th b thay i ti mi thi im khc nhau ty thuc vo quy nh ca cc
nh mng, cc nh pht hnh th
IU 5: IU KHON V I SOT V THANH TON
5.1
i sot
5.1.1 S liu i sot l s liu c ghi nhn trn h thng ca 1Pay.vn

5.1.2 Bn B c th tra cu s liu i sot, doanh thu hng thng bng cch truy cp vo ti khon ca ca
bn B trn 1Pay.vn
5.1.3 Cc bn tin hnh lm th tc k bin bn i sot thanh ton Doanh thu theo Quy nh trong Ph
lc Chnh sch thanh ton.
5.2
Thanh ton
5.2.1 Theo chu k thanh ton do bn B la chn khi kch hot dch v v trong chnh sch thanh ton trn
h thng ca 1Pay.vn, Bn A s thanh ton cho Bn B 100% doanh thu ca k thanh ton trc c ghi
nhn trn h thng ca Bn A sau khi tr i cc khon gim tr (nu c).
5.2.2 Hnh thc thanh ton (ng VN): Chuyn khon.
5.2.3 Cc ni dung chi tit v i sot v chnh sch thanh ton c quy nh ti Ph lc chnh sch thanh
ton km theo hp ng ny.
IU 6: DANH MC NI DUNG HP TC
6.1
Danh mc Dch v hp tc gia Bn A v Bn B cho tng Sn phm s ca bn B s c cp nht
lin lc, chi tit trn 1Pay.vn
6.2
Cc Dch v khc c cng b trn 1Pay.vn mc nhin c coi l danh mc hp tc tim nng
gia hai bn. Bt k thi im no bn B u c quyn kch hot dch v a vo khai thc, s dng
nhm to ra doanh thu v li nhun cho cc bn.
IU 7: T L PHN CHIA DOANH THU
7.1
T l phn trm bn B c hng (K hiu TLB) : l t l chia s phn trm Doanh thu khi bn
B s dng dch v trn h thng 1Pay.vn
(T l TLB ny ph thuc cc loi dch v hp tc, doanh thu ca bn B trong thng v chu k thanh
ton).
7.2
Doanh thu bn B: l doanh thu bn B c hng t cc dch v hai bn hp tc.
DTB = (TLB cho tng dch v hp tc) x (DT cho tng dch v hp tc) (Cc khon gim tr (nu c)
7.3
Cc khon gim tr (nu c) c 1PAY quy nh c th, cng khai trn 1Pay.vn
7.4
T l phn chia doanh thu thc t theo tng loi Dch v c m t chi tit trong ph lc ca tng
chnh sch dch v.
IU 8: QUY NH V NGUYN TC V QUY TRNH S DNG DCH V
Cc Sn phm s ca bn B s dng Dch v ca bn A phi p ng cc yu cu sau:
Bn B phi m bo cung cp y thng tin v Sn phm s v nim yt ng gi ni dung cung
cp.
Bn B phi tun th Quy trnh ng k s dng Dch v trn h thng qun l trc tuyn ca bn A.
Quy trnh s dng c th c iu chnh theo cc Quy nh c ban hnh bi Cc nh mng (Telcos) v
cc n v cung cp phng tin thanh ton.
Trong qu trnh s dng Dch v ca bn A cho Sn phm s ca Bn B. Bn A c cc c ch v h thng
hu kim kim sot tnh hp l ca Sn phm s bn B ang trin khai kinh doanh. Nu bn B vi phm
mt s quy nh sau:
Ni dung Sn phm s kinh doanh khng hp php, vi phm quy ch ca Telcos.
Kch bn kinh doanh vi phm thun phong m tc, cp n cc vn chnh tr, tn gio, khiu
dm, nhy cm
Kch bn (s lng MT v thi gian tr tin) khng hp l.
Bn B t ng cp nht ni dung Sn phm s khng thng bo cho bn A.
Sn phm s ca bn B cung cp cho khch hng khng m bo cht lng: Khch hng khng s
dng c dch v, khch hng khng c cng im y khi np tin.
Sn phm s ca bn B khng tun th Quy trnh s dng dch v ca bn A trn h thng qun l trc
tuyn.
Cn c vo phn nh ca khch hng v t cc ngun khc v cc Sn phm s ca bn B vi phm quy nh
ny. Bn A c quyn n phng kt lun Bn B vi phm cc quy nh v Quy nh s dng Dch v cho
Sn phm s cung cp. Ty thuc mc vi phm, Bn B s phi chu mt trong cc hnh thc x l nh
sau:
Bn A thng bo cho bn B chnh sa, g b cc vi phm.

Bn A ngng cung cp Dch v cho cc Sn phm s vi phm.

Bn A khng tin hnh i sot, thanh ton cho phn doanh thu pht sinh t cc Sn phm s vi phm.
Bn A c quyn n phng chm dt hp ng vi Bn B trong trng hp Bn B vi phm nghim
trng Quy trnh s dng Dch v m khng c phng n x l khc phc hoc bn B vi phm php lut.
Bn A s phi hp vi cc c quan c thm quyn x l cc hnh vi vi phm cc quy nh hin hnh
ca php lut ca bn B. Bn B phi hon ton chu trch nhim trc php lut v cc sai phm ny.
IU 9: BO MT
9.1
Cc Bn c trch nhim phi gi kn tt c nhng thng tin m mnh nhn c t pha bn kia
trong sut thi hn v sau khi ht hn ca Hp ng ny ti thiu l 02 nm v phi thc hin mi bin
php cn thit duy tr tnh b mt ca thng tin ny.
9.2
Mi bn khng c tit l cho bt c bn th ba no bt k thng tin ni trn tr trng hp
c chp thun bng vn bn ca hai bn, theo yu cu ca php lut hoc c quan nh nc c thm
quyn.
9.3
Mi Bn phi tin hnh mi bin php cn thit m bo rng khng mt nhn vin no hay bt
c ai thuc s qun l ca mnh s lm iu . Cc ngha v ni trn vn s ko di sau khi ht hn Hp
ng ti thiu l 02 nm.
IU 10: SA I V CHM DT HP NG
10.1 Hp ng ny v cc Ph lc ca Hp ng ny c th sa i theo tho thun bng vn bn ca cc
bn.
10.2
Hp ng ny s chm dt trong trng hp sau:
10.2.1 Hp ng ht hn m khng c gia hn;
10.2.2 C hai bn ng chm dt Hp ng ny; trong trng hp hai bn s tho thun v cc iu
kin c th lin quan ti vic chm dt Hp ng; cc iu kin ny c ghi chi tit trong bin bn thanh
l Hp ng.
10.2.3 Mt trong hai Bn b thanh l, gii th hoc nh ch hot ng, trong trng hp ny Hp ng s
kt thc bng cch thc do hai bn tho thun v/hoc ph hp vi cc quy nh ca Php lut hin hnh.
10.2.4 Vic hp tc khng em li doanh thu cho Bn A di mc cam kt trong vng ba (03) thng lin
tc.
10.2.5 Cc trng hp bt kh khng xy ra ngoi mun ca c hai bn dn n mt trong hai bn khng
th tip tc thc hin ngha v ca mnh mc d c gng ht mc c th khc phc;
10.2.6 Mt bn n phng chm dt hp ng trc thi hn.
10.3
n phng chm dt Hp ng trc thi hn:
10.3.1 Mt Bn c quyn n phng chp dt Hp ng nu chng minh c Bn kia c vi phm trong
vic thc hin cc trch nhim quy nh trong hp ng v khng c bt k sa cha, khc phc no
trong thi hn 30 ngy k t ngy nhn c thng bo ca bn b vi phm.
10.3.2 Nu Hp ng b n phng chp dt bi mt trong cc trng hp ni trn, th ngoi vic bi
thng ton b thit hi thc t v trc tip cho bn b vi phm, bn vi phm cn phi chu pht hp ng
ph hp vi quy nh ca Php lut hin hnh.
10.4
Trong tt c trng hp k c sa i hay chm dt hp ng. Mt Bn phi thng bo cho Bn
cn li bng vn bn ti thiu l mt (01) thng, hai Bn c thi gian chun b hay thng bo cho cc i
tc bn mnh bit v s thay i ny.
IU 11: GII QUYT TRANH CHP
Hai Bn cng c trch nhim thc hin y ni dung hp ng. Mi tranh chp pht sinh lin quan n
Hp ng ny trc ht s c gii quyt thng qua thng lng gia cc Bn. Nu vic gii quyt khng
t c bng thng lng, ha gii th mt trong cc Bn c quyn a tranh chp ra gii quyt ti Ta n
Kinh t c thm quyn.
IU 12: TNH TNG TH CA HP NG
Hp ng ny, bao gm c cc Ph lc km theo, to nn mt tho thun hon chnh ca cc Bn v vn
m cc bn hng ti, v bao gm nhng cam oan, li ha, bo m, v nhng thng nht gia cc Bn v
vn ny. Mi Bn trong Hp ng tha nhn rng khng mt cam oan, li ha, hay tho thun no,
bng ming hay bng vn bn, do bn kia a ra, hoc do ngi i din thay mt ca bn a ra, m

khng c th hin trong Hp ng ny v cc Ph lc km theo, s c ngha v hiu lc rng buc cc

Bn.
IU 13: IU KHON CHUNG
13.1
Bt kh khng
13.1.1 Nu mt trong cc Bn khng th thc thi c ton b hay mt phn ngha v ca mnh theo Hp
ng ny do S kin bt kh khng l cc s kin xy ra mt cch khch quan khng th lng trc c
v khng th khc phc c, mc d p dng mi bin php cn thit m kh nng cho php, bao gm
nhng khng gii hn cc s kin nh thin tai, ho hon, l lt, ng t, tai nn, thm ho, hn ch v
dch bnh, nhim ht nhn hoc phng x, chin tranh, ni chin, khi ngha, nh cng hoc bo lon, can
thip ca C quan Chnh ph, h thng thit b ca cc bn gp s c k thut trong qu trnh vn hnh khai
thc hoc do hn ch v kh nng k thut cc h thng thit b th bn s phi nhanh chng thng bo
cho bn kia bng vn bn v vic khng thc hin c ngha v ca mnh.
13.1.2 Bn thng bo khng th thc hin c Hp ng do S kin bt kh khng c trch nhim phi
n lc gim thiu nh hng ca S kin bt kh khng .
13.1.3 Khi s kin bt kh khng xy ra, th ngha v ca cc Bn tm thi khng thc hin v s ngay lp
tc phc hi li cc ngha v ca mnh theo Hp ng khi chm dt s kin bt kh khng hoc khi S kin
bt kh khng b loi b.
13.2
Thng bo
13.2.1 Mi thng bo v thng tin lin lc chnh thc lin quan n Hp ng ny s c gi ti a ch
ca cc Bn nh nu ti phn u ca Hp ng.
13.2.2 Cho mc ch ca iu ny, cc Bn c th thay i a ch bng cch gi thng bo hp l bng
vn bn cho Bn kia.
13.3
Lut p dng
Vic lp Hp ng ny, hiu lc, gii thch, k kt v gii quyt tranh chp pht sinh t Hp ng ny s
c tun theo v c gii thch theo php lut ca Vit Nam.
13.4
S bn
Hp ng ny c lp thnh 04 (bn) bn gc, mi bn gi 02 (hai) bn, cc bn c gi tr php l nh
nhau.
IU 14: U MI LIN H
STT

Ni dung cng vic

Kinh doanh v hp ng

K thut

H tr kinh doanh

i sot v thanh ton

Chm sc khch hng

1PAY

Bn B

IU 15: HIU LC CA HP NG
Hp ng bt u c hiu lc 01 (nm) k t ngy c y ch k ca hai bn. 30 (ba mi) ngy trc
khi ht hn hp ng, hai bn c th gi cho nhau vn bn yu cu chm dt hp ng, nu sau thi hn ny
hai bn khng c bt c vn bn no th hp ng s t ng c gia hn nhiu ln, mi ln 01 (mt) nm.
I DIN BN A
I DIN BN B

--------------------------

--------------------------

CHNH SCH DCH V SCRATCH CARD CHARGING

IU 1: CC THUT NG
Th co: c nh ngha l phng tin thanh ton. L mt loi th tr tin trc do Vinaphone,
Mobifone, Viettel, VTC, FPT pht hnh. Khch hng c th dng th co np tin vo ti khon trc
tuyn nhm thanh ton chi ph s dng cc dch v trn mng ca khch hng.
Sn phm s: l tt c cc sn phm, dch v do bn B cung cp c s dng Dch v cng c thanh
ton ca 1PAY trong khun kh php lut Vit Nam khng cm.
Ti khon trc tuyn: c hiu l ti khon trn mng. Khch hng np tin vo ti khon trc
tuyn sau dng ti khon ny thanh ton cho cc dch v mnh s dng .
Quy nh t l chnh lch i sot cho php: 1% (mt phn trm).
IU 2: GI CC
Cc n v pht hnh th co vi cc mnh gi 500.000 ng, 300.000 ng, 200.000 ng, 100.000 ng,
50.000 ng, 30.000 ng, 20.000 ng, 10.000 ng hoc cc mnh gi khc (nu c). n gi trn bao
gm VAT.
IU 3: PHN CHIA DOANH THU
1) Trng hp chu k thanh ton thng.
a) Th co Viettel
T l chia s (%)
Tng doanh thu chia s
Bn B hng Bn A hng
STT
thanh ton bng np th (triu)
TLVTM (%)
(%)
1
2
3

DTVTM <50
50DTVTM <100
DTVTM 100

83,5%
84%
84,5%

16,5%
16%
15,5%

b) Th co Mobifone
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
2
3

DTVMS <50
50DTVMS <100
DTVMS 100

T l chia s (%)
Bn B hng
TLVMS (%)

Bn A hng
(%)

83,5%
84%
84,5%

16,5%
16%
15,5%

c) Th co Vinaphone
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
DTVNP <50
2
50DTVNP <100
3
DTVNP 100
d) Th co Gate
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

T l chia s (%)
Bn B hng
TLVNP (%)

Bn A hng
(%)

83,5%
84%
84,5%

16,5%
16%
15,5%

T l chia s (%)
Bn B hng
TL GATE (%)

Bn A hng
(%)

1
DTGATE <50
2
50DT GATE <100
3
DT GATE 100
e) Th co Vcoin
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
2
3

DTVCOIN <50
50DT VCOIN <100
DT VCOIN 100

84,5%
85%
85,5%

15,5%
15%
14,5%

T l chia s (%)
Bn B hng
TL VCOIN (%)

Bn A hng
(%)

84,5%
85%
85,5%

15,5%
15%
14,5%

2) Trng hp chu k thanh ton 15 ngy

a) Th co Viettel
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
DTVTM <50
2
50DTVTM <100
3
DTVTM 100
b) Th co Mobifone
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
DTVMS <50
2
50DTVMS <100
3
DTVMS 100
c) Th co Vinaphone
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
DTVNP <50
2
50DTVNP <100
3
DTVNP 100
d) Th co Gate
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
DTGATE <50
2
50DT GATE <100
3
DT GATE 100
e) Th co Vcoin
STT

Tng doanh thu chia s

thanh ton bng np th (triu)

1
2
3

DTVCOIN <50
50DT VCOIN <100
DT VCOIN 100

Trong :

T l chia s (%)
Bn B hng
TLVTT (%)

Bn A hng
(%)

83%
83,5%
84%

17%
16,5%
16%

T l chia s (%)
Bn B hng
TLVMS (%)

Bn A hng
(%)

83%
83,5%
84%

17%
16,5%
16%

T l chia s (%)
Bn B hng
TLVNP (%)

Bn A hng
(%)

83%
83,5%
84%

17%
16,5%
16%

T l chia s (%)
Bn B hng
TL GATE (%)

Bn A hng
(%)

84%
85,5%
85%

16%
15,5%
15%

T l chia s (%)
Bn B hng
TL VCOIN (%)

Bn A hng
(%)

84%
85,5%
85%

16%
15,5%
15%

T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos, hoc
tha thun gia 2 bn.

CHNH SCH DCH V SMS CHARGING

IU 1: CC THUT NG
Tin nhn MO (Mobile Originated): l tin nhn xut pht t khch hng s dng Dch v.
Tin nhn MT (Mobile Terminated): l tin nhn thng qua h thng ca 1PAY gi n khch hng.
Tin nhn MT c xc nh theo tng m Dch v trn tng u s.
S liu tnh phn chia cc (CDR): l cc bn tin Dch v ni dung m bn B phc v khch
hng.
IU 2: GI CC
v n gi cc thu khch hng, cn c phn chia v quy nh v MT ( bao gm VAT)
u
n gi bn A c hng
S lng
S
(K hiu G A hng (Vi 01 MT min ph))
MT max
S lng
Dch
Thu
vt qu
MT max
V
Khch
ca VNP
vt qu
VTM
VMS
VNP
VNM
GTM
(6xxx,
Hng
&
ca VTM
7xxx,
VMS
8xxx)
1
X0XX
500
105
105
60
115
1
150
1
X1XX
1.000
400
400
360
400
2
350
900
2
X2XX
2.000
800
800
960
4
800
1.350
3
X3XX
3.000
1.200
1.200
1.560
6
1.200
1.800
4
X4XX
4.000
1.600
1.600
2.160
8
1.600
2.500
5
X5XX
5.000
2.250
2.250
2.760
12
2.250
5.000
7
X6XX
10.000
4.500
4.500
5.760
23
4.500
7.500
10
X7XX
15.000
6.750
6.750
8.760
34
6.750
IU 3: PHN CHIA DOANH THU
a) Trng hp chu k thanh ton thng.
Tng doanh thu chia s t cc dch v
Stt
hai bn hp tc sau telcos (triu)
1
DT <50
2
50 DT <100
3
DT 100

T l %
(TLB)
82%
85%
88%

b) Trng hp chu k thanh ton 15 ngy

Tng doanh thu chia s t cc dch v
T l %
Stt
hai bn hp tc sau telcos (triu)
(TLB)
1
DT <50
81%
2
50 DT <100
84%
3
DT 100
87%
Trong :
T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos,
hoc tha thun gia 2 bn.

CHNH SCH DCH V SMSplus CHARGING

IU 1: CC THUT NG

SMSplus Charging: Cng thanh ton cho php i tc Merchants kt ni tnh cc ni dung cc dch
v Game/ apps v Mng x hi S tin thanh ton s c ghi nhn vo ha n cc (i vi thu bao
tr sau) hoc tr trc tip vo ti khon chnh (i vi thu bao tr trc) ca s in thoi di ng ca
khch hng.
u s: 9029
Cc phng thc thanh ton:
o Thanh ton theo tng giao dch.
o Thanh ton t ng theo chu k (subscription): sau khi gia hn tr cc s c tin nhn thng bo cho
khch hng.
Knh thanh ton: c 3 knh thanh ton
o SMS MO: khch hng nhn tin theo c php quy nh ti u s dch v (9029) thc hin thanh ton
o Website (SMS OTP): Khi khch hng yu cu thanh ton qua cng thanh ton di ng ca Telcos s
nhn c m xc thc giao dch (OTP) qua SMS. Khch hng nhp ng m OTP trn website thc
hin thanh ton giao dch
o API: Tng t vic thanh ton qua website nhng ton b tin trnh thanh ton s din ra hon ton trn
h thng ca bn B (website, wapsite, client). Bn B s c cp API tch hp vo h thng ca mnh.
Tin nhn MO (Mobile Originated): l tin nhn xut pht t khch hng s dng Dch v.
Tin nhn MT (Mobile Terminated): l tin nhn thng qua h thng ca 1PAY gi n khch hng.
Tin nhn MT c xc nh theo tng m Dch v trn tng u s.
S liu tnh phn chia cc (CDR): l cc bn tin Dch v ni dung m bn B phc v khch
hng.
API (Application Programming Interface): l Giao din lp trnh ng dng
Nh mng cung cp dch v: Hin ti 1PAY ang cung cp dch v ca cc mng Mobifone,
Vinaphone v Viettel. Ngay sau khi cc nh mng khc c dch v ny th 1PAY s cung cp cho Merchant.
IU 2: GI CC
v n gi cc thu khch hng, cn c phn chia v quy nh v MT ( bao gm VAT)
Thu
Thu
n gi bn A c hng
Khch
Khch
(K hiu G A hng (Vi 01 MT min
Hng
Hng
ph))
STT
( bao gm thu
(cha bao gm
VTM
VMS
VAT)
thu VAT)
(60%)
(65%)
(ng/giao dch)
(ng/giao dch)
1
0
0
0
0
2
1.000
909
600
650
3
2.000
1.818
1.200
1.300
4
3.000
2.727
1.800
1.950
5
4.000
3.636
2.400
2.600
6
5.000
4.545
3.000
3.250
7
10.000
9.091
6.000
6.500
8
15.000
13.636
9.000
9.750
9
20.000
18.181
12.000
13.000
10
30.000
27.272
18.000
19.500
11
40.000
36.363
24.000
26.000
12
50.000
45.454
30.000
32.500
13
100.000
90.909
60.000
65.000
(n gi trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos)
Hn mc thanh ton ti a: 500.000/ngy/thu bao.
IU 3: PHN CHIA DOANH THU
a) Trng hp chu k thanh ton thng.
Stt
Tng doanh thu chia s t cc dch v
T l %

hai bn hp tc (triu)
(TLB)
1
DT <50
82%
2
50 DT <100
85%
3
DT 100
88%
b) Trng hp chu k thanh ton 15 ngy
Tng doanh thu chia s t cc dch v
T l %
Stt
hai bn hp tc (triu)
(TLB)
1
DT <50
81%
2
50 DT <100
84%
3
DT 100
87%
Trong :
T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos,
hoc tha thun gia 2 bn.

CHNH SCH BANKING TH NI A

IU 1: CC THUT NG
Th: l phng tin thanh ton do cc T chc pht hnh th pht hnh thc hin giao dch th.
T chc pht hnh th (TCPHT): l ngn hng, t chc tn dng phi ngn hng, t chc tn dng hp
tc, t chc khc khng phi l t chc tn dng c php thc hin vic pht hnh Th cho ch th s
dng theo quy nh ca php lut.
n v chp nhn th (VCNT): l cc t chc hoc c nhn cung ng hng ho, dch v c ngn
hng cho php s dng dch v thanh ton trc tuyn bng th.
Th ni a: l Th c cc TCPHT pht hnh thc hin cc giao dch th trong lnh th Vit
Nam.
S th: l dy s do TCPHT to ra cho mi th. S th c th c in ni, in chm trn th hoc khng
in trn th i vi trng hp th o khng c phi th.
Ch th: l c nhn hoc t chc c TCPHT cung cp Th s dng, bao gm ch th chnh v
ch th ph.
Khch hng: l cc c nhn hoc t chc thc hin cc giao dch mua bn trc tuyn trn website ca
VCNT.
Hon tt giao dch: Khi khch hng nhn c hng ha hoc dch v ca bn B.
Dch v thanh ton an ton: c hiu l dch v thanh ton m bo ca 1Pay
Ti khon ng bng: L s tin giao dch c tm gi trong ti khon ca bn B trong khi khch
hng thc hin giao dch thanh ton an ton .
Phong ta ti khon: L s tin ca khch hng c a vo trng thi kim sot khi giao dch c
nghi vn l gi mo hoc c ri ro.
Ha n trc tuyn: L cc ha n c cc n v chp nhn th xut cho khch hng qua email
hoc trn website qua Interrnet.
M giao dch (hay m ho n): L du hiu nhn bit mt giao dch v c chuyn cho cng thanh
ton x l. Cc m giao dch ny l duy nht cho mt t chc bn hng.
Khiu ni: l khiu ni cho mt giao dch t pha ngi mua hng. Khiu ni thng dn n hu qu
l xut hin giao dch i bi hon. Mt khiu ni c th xut hin bi cc l do nh b li dng thng tin
th, giao dch li
Ph thanh ton th: l mc ph VCNT phi thanh ton cho 1PAY theo quy nh ti Ph lc km theo
ca Hp ng ny.
Khon bo m kh nng thanh ton VCNT: l khon tin VCNT k qu ti 1PAY hoc mt t
l phn trm gi tr giao dch m 1PAY gi li m bo kh nng thanh ton ca VCNT trong cc
trng hp c quy nh c th ti Hp ng ny.
Giao dch: l cc giao dch mua bn hng ho dch v trc tuyn c ch th s dng th thanh
ton, bao gm c vic iu chnh v hon tr vo ti khon th ca ch th.

Giao dch gian ln, gi mo: l giao dch xy ra khi mt c nhn/ t chc khng phi l ch th s
dng th hoc thng tin v th mua hng ha v dch v m khng c s cho php ca ch th. Vic
xc nh giao dch gi mo da trn cc thng tin tra sot khiu ni ca ch th hoc da trn cc bo co
gi mo hoc da trn kt lun iu tra, xc minh ca c quan chc nng.
Cp php: l vic TCPHT xc nhn ti khon ca ch th ti thi im giao dch cn s d v/hoc
hn mc tn dng thc hin giao dch.
Bn xc nhn giao dch: bao gm nhng thng tin lin quan n giao dch nh tn hng ha hoc dch
v, s lng, chng loi, phng thc, a im v thi hn giao hng, tng gi tr ca giao dch, phng
thc thanh ton, s th s dng thanh ton (s th phi giu bt s, khng th hin y ), h tn ngi
mua hng, ngi nhn hng, v cc thng tin khc (nu c),.... Bn xc nhn giao dch c VCNT gi
cho ch th thng qua cc phng tin in t v l c s tham chiu gii quyt cc tranh chp pht sinh.
Ngy lm vic: l ngy Ngn hng m ca giao dch vi khch hng.
OTP (One Time Password): l mt khu s dng mt ln trong mt khong thi gian nht nh m
TCPHT cp cho khch hng thng qua cc phng tin bao gm nhng khng gii hn bi website, th
in t, in thoi di ng v cc thit b cung cp mt khu chuyn dng khc khi thanh ton trc tuyn.
Sn phm s: l tt c cc sn phm, dch v do bn B cung cp c s dng Dch v cng c thanh
ton ca 1PAY trong khun kh php lut Vit Nam khng cm.
Ti khon trc tuyn: c hiu l ti khon trn mng. Khch hng np tin vo ti khon trc
tuyn sau dng ti khon ny thanh ton cho cc dch v mnh s dng .
Website ca bn B c tch hp dch v thanh ton 1Pay l http://www....................
IU 2: CHNH SCH GI BN V HN MC THANH TON
n gi nh nht l 10.000 ng/ Sn phm hoc dch v hoc cc mnh gi khc theo quy nh ca
ngi bn hng. n gi ln nht nh hn hoc bng 2.000.000 VN (Hai triu ng chn/ Sn phm hoc
dch v). n gi trn bao gm VAT.
Hn mc thanh ton cho ch th nh hn hoc bng: 20.000.000 VN/ ngy (Hai mi triu ng
chn/ ngy)
IU 3: CHNH SCH TI CHNH V BN HNG
Bn B cam kt:
a) Cam kt v ti chnh
Khng yu cu khch hng cung cp cc thng tin ti chnh c nhn nh ti khon ngn hng, s th tn
dng, mt khu ng nhp ti khon h thng.
Khng yu cu khch hng tr thm ph khi thanh ton bng 1Pay.
Gi tr thanh ton phi bao gm y cc loi ph hp l nu c (vn chuyn, dch v) v thu
theo quy nh ca php lut.
Khng gi nhng yu cu thanh ton tng b thu hi (Charge Back).
Cung cp cho khch hng nhng chnh sch i/tr v bo hnh mt cch r rng v hp l, cung cp
cho Bn A ni dung cc chnh sch khi c yu cu v c trch nhim thng bo mi khi c thay i
hoc cp nht.
b) Theo di v kim sot giao dch
Khi nhn c tin nhn v/hoc email ca 1Pay thng bo v giao dch thanh ton, bn B c trch nhim
kim tra h thng qun l hoc ng nhp vo c s d liu sau chuyn hng ho hoc thc hin cung
cp dch v cho khch hng theo ng cht lng v thi hn cam kt trong m t khi ng bn ng thi
lu li cc chng t hp l nh ha n bn hng hoc phiu xut kho c ch k khch hng, vn n ca
hng vn chuyn v.v i chiu trong trng hp cn thit.
c) Hon li tin (Refund)
Trong trng hp khng c hng ha bn,hng ho b tr li, dch v b hu b hoc c s iu chnh gi
c hng ho/dch v, Bn B phi thc hin thay th hay iu chnh cho khch hng bng cch chuyn yu
cu hon tr li tin cho khch hng qua h thng ca 1Pay thc hin ghi c ti khon cho ch th. Bn B
c trch nhim thc hin qu trnh hon tin theo cc quy nh ca 1Pay nh sau:
o S tin hon tr khng c vt qu tng s tin giao dch gc, thi gian hon tr khng chm hn
01(mt) thng k t ngy giao dch b hy b.

o Bn B c trch nhim chu mc ph hon tin/ mt giao dch theo quy nh ca 1Pay l : 5.000VN (nm
nghn ng) i vi th visa, master card v 1.600VN (mt nghn su trm ng) i vi th ni a (Chi
ph trn cha bao gm VAT).
IU 4: BNG CHIA S DOANH THU
Bn A tr trc tip vo s tin bn B nhn c trong cc giao dch thanh ton theo biu ph c th di
y:
STT Khon mc ph
Mc ph
M t
1
Ph ci t v trin khai Min ph
Ph tr mt ln
dch v
2
Ph duy tr dch v hng Min ph
Ph tr hng thng
thng
3
Ph x l giao dch
1.600 VND
Thu trn tng giao dch
4
Ph giao dch chp nhn X%/ gi tr giao
Thu trn giao dch
th
dch
thnh cng
(X ph thuc chu k
thanh ton)
Ghi ch:
Ph x l giao dch th: p dng vi mi giao dch 1PAY nhn c t VCNT thng qua h thng ca
Cng thanh ton bao gm giao dch cp php, giao dch thanh ton thnh cng, giao dch t chi, giao dch
hu v giao dch hon tr.
Tt c cc mc ph cha bao gm VAT.
IU 5: PHN CHIA DOANH THU
Phn chia doanh thu: Tng doanh thu chia s m bn B nhn c cho hnh thc giao dch chp nhn
th (khng bao gm thu GTGT) c tnh nh sau:
DTB = DTbank_noidia x TL bank_noidia (S giao dch)x1.600 VN
Trong :
DTB: Tng doanh thu (khng bao gm thu GTGT) m bn B c hng (n v: VN) sau khi tr
cc loi ph.
DTBank_noidia: Tng doanh thu chia s (khng bao gm thu GTGT) bng chnh thc giao dch th m
bn B c hng (n v: VN).DTBank_noidia = DTE.U /1,1 trong DTE.U: Doanh thu thu khch hng (
bao gm VAT).
TLBank_noidia: T l chia s doanh thu m bn B c hng. Nh vy:
TLBank_noidia = 100% - X (Mc ph x l giao dch chp nhn th)
Trong :
T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca n v cung
cp phng tin thanh ton, hoc tha thun gia 2 bn.

CHNH SCH DCH V API OTP CHARGING

IU 1: CC THUT NG
API OTP charging: Bn A cung cp Cng thanh ton cho php bn B kt ni tnh cc ni dung cc
dch v Game v Mng x hi S tin thanh ton s c ghi nhn vo ha n cc (i vi thu bao tr
sau) hoc tr trc tip vo ti khon chnh (i vi thu bao tr trc) ca s in thoi di ng ca khch
hng.
Cc phng thc thanh ton:
o Thanh ton theo tng giao dch.
Knh thanh ton: c 2 knh thanh ton
o API OTP:Khi khch hng yu cu thanh ton qua cng thanh ton di ng ca Telcos s nhn c m
xc thc giao dch (OTP) qua SMS. Khch hng nhp ng m OTP v ton b tin trnh thanh ton s din

ra hon ton trn h thng ca bn B (website, wapsite, client). Bn B s c cp API tch hp vo h

thng ca mnh.
o Website (OTP): Khi khch hng yu cu thanh ton qua cng thanh ton di ng ca Telcos, khch hng
phi in s in thoi trn website xc nhn giao dch, sau s nhn c m xc thc giao dch
(OTP) qua SMS. Khch hng nhp ng m OTP trn website thc hin thanh ton giao dch.
Tin nhn MT (Mobile Terminated): l tin nhn thng bo Ni dung khch hng giao dch thnh
cng dch v.
S liu tnh phn chia cc (CDR): l cc bn tin Dch v ni dung m bn B phc v khch
hng.
API (Application Programming Interface): l Giao din lp trnh ng dng
Nh mng cung cp dch v: Hin ti bn A ang cung cp dch v ca cc mng Mobifone v
Viettel. Ngay sau khi cc nh mng khc c dch v ny th bn A s cung cp cho bn B.
IU 2: GI CC
v n gi cc thu khch hng, cn c phn chia v quy nh v MT ( bao gm VAT)

STT

1
2
3
4
5
6
7
8
9
10
11
12

Thu
Khch
Hng
( bao gm
thu VAT)
(ng/giao
dch)

Thu
Khch
Hng
(cha bao
gm thu
VAT)
(ng/giao
dch)

0
1.000
2.000
3.000
4.000
5.000
10.000
15.000
20.000
30.000
50.000
100.000

0
909
1.818
2.727
3.636
4.545
9.091
13.636
18.181
27.272
45.454
90.909

n gi bn A c hng
(K hiu G A hng )

Viettel
(60%)
0
600
1.200
1.800
2.400
3.000
6.000
9.000
12.000
18.000
30.000
60.000

MobiFone
(65%)
0
650
1.300
1.950
2.600
3.250
6.500
9.750
13.000
19.500
32.500
65.000

(n gi trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos)

v Quy nh v chi ph pht sinh khc
Ngoi ra bn A v Bn B s cng chia s Chi ph khc (nu c) (Chi ph khuyn mi ca cc mng nu c,
chi ph chm sc khch hng, chi ph tht thot) theo thc t i sot m Bn B gi cho bn B hng thng.
Nh vy:
Tng doanh thu v bn A DTA = DTAVTM + DTAVMS
Trong :

Doanh thu mng Viettel

DTAVTM = CDRVTM x GVTM A hng Chi ph khc (nu c)

Doanh thu mng Mobifone

DTAVMS = CDRVMS xGVMS A hng Chi ph khc (nu c)
IU 3: PHN CHIA DOANH THU
Tng doanh thu bn B c hng c tnh theo cng thc sau

Tng doanh thu chia s t

Phn doanh thu
cc dch v hp tc (DT)
bn B chng (DTB)
(khng bao gm VAT)
(khng bao gm VAT)
DT = DTA /1,1
DTB= TLB * DT
Trong :
+ DT: l tng doanh thu chia st cc dch v Hai bn hp tc c tnh theo cng thc phn trn.
+ TLB: l t l m Bn B c hng. T l TLB c quy nh c th nh trong Bng k bn di:
a) Trng hp chu k thanh ton thng.
Tng doanh thu chia s t cc dch v
T l %
Stt
hai bn hp tc (triu)
(TLB)
1
DT<50
82%
2
50 DT<100
85%
3
DT 100
88%
b) Trng hp chu k thanh ton 15 ngy
Tng doanh thu chia s t cc dch v
T l %
Stt
hai bn hp tc (triu)
(TLB)
1
DT<50
81%
2
50 DT<100
84%
3
DT 100
87%
Trong :
T l phn chia doanh thu trn c th c iu chnh trong qu trnh hp tc theo yu cu ca telcos,
hoc tha thun gia 2 bn.
IU 4: QUY NH CH TI P DNG
1. Quy nh v ch ti p dng
Trong qua trnh kim duyt ni dung, nu bn A pht hin i tc s dng sai sn phm dch v ng
k vi bn A, , bn A s thc hin pht li vi phm l khng thc hin phn chia doanh thu v c th chm
dt hp ng hp tc.
Vi i tc vi phm li ni dung qu 10 li/01 thng: thc hin ct dch v v thanh l hp ng.
2. Quy nh v ni dung
Quan im chung :
Bn A qun l command code trn kch bn i tc khai bo, phn ni dung chi tit i tc hon ton
chu trch nhim v bn A tin hnh hu kim so snh vi kch bn khai bo ban u, trong trng hp
sai vi kch bn khai bo, p dng ch ti khng i sot v chm dt hp ng trnh pht tn tin rc
hoc ni dung xu.
Cc ni dung i tc cung cp m bo hp php, lnh mnh, khng vi phm vn ha, thun phong m
tc cng nh cc quy nh ca php lut. Bt c vn pht sinh no lin quan n ni dung i tc cung
cp, i tc hon ton chu ton b mi trch nhim trc php lun, d lun v ngi s dng.
Bn A ch xc nhn sn phm c kch bn ni dung chi tit.