Transaction that:

i. Represents the refinancing or transfer of

an existing Cardholder or Account Holder

obligation that is deemed to be

uncollectible, or

ii. Arises from the dishonor of a

Cardholder’s personal check

e. To avoid double payment, MERCHANT shall

not accept any payment from a Customer in any

other form (for example, cash or check) with

respect to a charge for products or services

reflected on a Charge Slip resulting from the use

of a Card or QR. A MERCHANT also shall not

accept a Card or QR as payment for products or

services for which the MERCHANT has received or

expects to receive payment in any other form,

whether from the Customer or a third party. A

disputed Card Transaction involving payment by

other means may be eligible for chargeback by

reason of duplicate processing.

f. MERCHANT shall not submit for payment

into the Interchange System any transaction that

is illegal, or in the sole discretion of the Card

Network, may damage the goodwill of the Card

Network or reflect negatively on the Marks. The

following activities are considered to be in

violation of this Section 2.f.:

i. The sale or offer of sale of a product

or service other than in full compliance with

law then applicable to PAYMAYA, Issuing

Bank, Merchant, Cardholder, Cards, or the

Card Network.

ii. The sale of a product or service,

including an image, which is patently

offensive and lacks serious artistic value

(such as, by way of example and not

limitation, images of nonconsensual sexual

behavior, sexual exploitation of a minor,

nonconsensual mutilation of a person or

body part, and bestiality), or any other

material that the Card Network deems

unacceptable to sell in connection with a

Mark.

g. MERCHANT shall not allow PAYMAYA

accountholders to withdraw their wallet balance

in the PayMaya payment gateway services and

other PayMaya payment solutions such as but

not limited to QR and Pay with PayMaya, unless

otherwise authorized by PayMaya.

h. A Merchant may request but must not

require a Cardholder to provide additional

identification information as a condition of Card

acceptance, unless such information is required

to complete the Transaction, such as for

shipping purposes, or the Standards specifically

permit or require such information to be

collected.
i. The Acceptance Marks must not be

displayed at any POS Terminal, ATM Terminal, or

Bank Branch Terminal that dispenses scrip.

j. A Merchant must not submit to its Acquirer,

and an Acquirer must not submit to the

Interchange System, any Transaction that arises

from the acceptance of a Card at a scrip

dispensing Terminal.

k. A Merchant must not impose, as a condition

of credit card acceptance, a requirement that the

Cardholder waive a right to dispute a

Transaction.

l. Neither an Acquirer nor any of the

Acquirer’s Merchants or Service Providers,

including but not limited to any such entity that

the Corporation has registered as a Token

Requestor, may use Account or Transaction data

to create or maintain a repository of primary

account numbers (PANs) and corresponding

Account PANs or perform mapping of Token

PANs to Account PANs for any purpose.

For Mastercard, The PAN of a Mastercard Card or

Access Device or any Maestro Card or Access Device

for which Maestro is the primary Payment Application

must not be replaced by, mapped to, or Tokenized

with any PAN issued from an Issuer Identification

Number (IIN) reserved by the ISO Registration

Authority for a competing payment network. Refer to

the current ISO Register of Issuer Identification

Numbers for more information.

3. RESTRICTED AND PROHIBITED SERVICE. The

following products or services that constitute, relate to

or are ancillary to, in whole or in part are not allowed

and are defined by PAYMAYA as “Restricted Service”:

a. Pornographic or illicit material or activities of

any type;

b. Escort services;

c. Gambling operations, including “virtual

casinos”;

d. Firearms, ammunitions, and explosives;

e. MERCHANT engages in “receipt of payment in

advance” operation module (including but not

limited to airline or cruise tickets, concerts, hotel/

resorts reservations and custom orders for future

fulfillment); and

f. Goods, products, services or distributions of

any class or type, whether or not similar to those

specified above, which are designated from time

to time by PAYMAYA (in its sole discretion) as

being subject to this definition and notice thereof

being given to the MERCHANT, provided that no

such designation or notice is required for any

particular Sales to be subject to this definition.