Payflow Gateway Services Agreement

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Payflow Gateway Services Agreement

Last Update: November 6, 2020



This Payflow Gateway Services Agreement ("Agreement") is a contract between you (the "Merchant") and PayPal, Inc., (“PayPal”), and applies to your use of the Payflow gateway Services (the "Payflow Services"). In this Agreement, "you" and "your" refer to Merchant and your designated agents, including your administrative contact, and "we”, "us", and "our" refer to PayPal. You must read, agree with, and accept all of the terms and conditions contained in this Agreement. This Agreement applies to you if you signed up for the Payflow Services, or upgraded your Payflow Services, on or after October 27, 2010. By using the Payflow Services, you acknowledge that you have agreed to this Agreement. We may revise this Agreement and any applicable policies from time to time. The revised version will be effective at the time we post it unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the "Policy Updates" page of our website and provide you with the same length of notice as set forth in the PayPal User Agreement. You agree to review periodically our website to be aware of any revisions. By continuing to use the Payflow Services after any changes to this Agreement, you agree to abide by and be bound by those changes. If you do not agree with any changes to this Agreement, you may close your account.


The Payflow Services include Payflow Link or Payflow Pro and the “Add On Payflow Services” defined as Enhanced Technical Support, Premium Technical Support, Recurring Billing Service, Fraud Protection Services, and ACH Payment Service. Payflow Link and Payflow Pro are payment gateways that allow you to process credit and debit cards, PayPal payments, delayed shipment billing, and electronic checks that come from online, mail, and telephone orders. With Payflow Link, your customers enter their payment information in a PayPal-hosted order form on a PayPal server. With Payflow Pro, you have the option to use our Payflow APIs and have customers checkout on your own site, which you host and secure with SSL certificate or Payflow APIs in conjunction with Payflow Link hosted order forms to collect Card Data on pages PayPal hosts and secures. In order to use the Payflow Services you must complete the online registration process (“Registration”) and set up an internet merchant account with a Financial Institution to process online payments. Use of the ACH Payment Service and other Add On Payflow Services may require additional documentation. You agree that you shall (i) use the Payflow Services in accordance with the applicable user guides and other documentation; and (ii) not use or permit others to use information obtained with the Payflow Services for any purpose other than in conjunction with the Payflow Services and in a manner described in this Agreement and in the documentation for the Payflow Services.



"Account Updater Service" means a service in which PayPal may update applicable customer Card Data of eligible Cards using information and third party sources available to PayPal, as further described herein. In providing this service, PayPal may obtain, on Merchant’s behalf, applicable updated customer Card Data of eligible Cards from participating card issuing banks and other third party sources for use as part of the Recurring Billing Service or other eligible transactions using the Payflow Services.

"ACH" shall mean Automated Clearing House.

"API" shall mean application programming interface

Card Information” has the meaning set out in Section 9.3.

"Card Networks" means payment networks that promulgate rules to govern Card acceptance, including Visa, Mastercard, American Express, and Discover.

"Card Network Rules" means the rules and regulations governing acceptance of Cards; rules are available for Visa, Mastercard, American Express, Discover, each as updated from time to time.

"Card Data" means a cardholder’s account number, expiration date, and CVV2.

"Card(s)" means payment cards branded with the logos of Visa, Mastercard, American Express, Discover, and such other Card Networks as may become available from time to time.

Data Recipient” has the meaning set out in Section 9.3.

"Financial Institution" shall mean banks or financial institutions having business relationships with one or more Financial Processors that have agreed to evaluate and provide merchant accounts and payment authorization services to merchants.

"Financial Processor" shall mean an entity with which PayPal has established a relationship that performs the back-end authorization and processing of Transactions between your Financial Institution and the cardholder's bank.

"Manager Web Site" means the online account management tools for merchants for the Payflow Services.

"Payflow Services" means the payment gateways under the brand names Payflow Link or Payflow Pro that include, without limitation, real-time, secure data transmission and processing for multiple business-to-customer payment methods including, as applicable, credit cards, debit cards, purchase cards, PayPal payments, PayPal Credit payments, delayed shipment billing, electronic cheques, and the Add On Services.

"Payflow Software" means the object code version of the client Software Development Kit ("SDK"), HTML code, APIs, related documentation, and other client software or code, including updates, to enable PayPal to provide the Payflow Services to you. Unless otherwise specified, Payflow Software shall not include any source code.

"Software" shall mean the object code version of the client Software Development Kit ("SDK"), HTML code, APIs, related documentation, and other client software or code, including updates, to enable PayPal to provide the Payflow Services to you. Unless otherwise specified, Software shall not include any source code.

"Transaction" shall mean information related to the purchase of goods and services from you by a third party. Specifically a Transaction is an authorization, delayed capture, sale, void, voice authorization, inquiry, or credit data transmission between PayPal and its back end processors.


3.1 General Service Requirements. You shall:

  1. Maintain commercially reasonable business practices in conjunction with use of the Payflow Services including (i) maintaining your web site (the "Merchant Web Site") and connection to the Internet and fulfilling all orders for products and services sold by you; (ii) reviewing Transactions on a regular basis and notifying PayPal promptly of any suspected unauthorized activity; (iii) establishing and maintaining a commercial banking relationship with one or more Financial Institutions; and (iv) keeping your login name and password confidential and agreeing that the administrative contact you provide to us during Registration is your agent with full authority to act on your behalf with respect to such Payflow Services.
  2. Collect, store and transmit certain Transaction and user information (collectively, the "Data"), in a secure manner, protect the privacy of the Data, and comply with requests from PayPal to take reasonable action to maintain the security and integrity of the Payflow Services; and
  3. Update to the most current Software version and security updates and patches necessary to properly operate the Payflow Services and keep all your enrollment and payment information current and updated on the PayPal Manager Web Site.



4.1 Payflow Services. Subject to the terms in this Agreement, PayPal agrees to provide (i) the Payflow Services for which you have enrolled and paid the applicable fees, and (ii) access to standardized reports regarding your Transactions processed using the Payflow Services and certain reporting tools to assist you in accounting activities.

4.2 Information Conduit. You acknowledge that PayPal is not a financial or credit reporting institution. PayPal is responsible only for providing Data transmission to effect or direct certain payment authorizations for you and is not responsible for the results of any credit inquiry, the operation of web sites of internet service providers (“ISP”), Financial Institutions, Financial Processors, the availability or performance of the Internet, or for any damages or costs you suffer or incur as a result of any instructions given, actions taken or omissions made by you, your Financial Processor(s), your Financial Institution, or any ISP. The Payflow Services present data and information collected from the you and data sources other than PayPal and PayPal makes no representations or warranties regarding the availability, accuracy, timeliness or completeness of such data and information or any output or results of the Payflow Services based in whole or in part on such data and information. You are solely responsible for the accuracy and completeness of all Data you supply.

4.3 Security and Stability. You acknowledge that it is in the best interests of both parties that PayPal maintains a secure and stable environment; to that end, PayPal may change the method of access to the Payflow Services at any time. You also agree that, in the event of degradation or instability of the Payflow Services or an emergency, PayPal may temporarily suspend your access to the Payflow Services, any API, and/or any PayPal content under this Agreement in order to minimize threats to and protect the operational stability and security of the Payflow Services. Each party represents, warrants, and covenants that it shall at all times comply with applicable Payment Card Industry Data Security Standards, (“PCI DSS”) as such may be amended from time to time, with respect to all Card Data received by it in connection with this Agreement. PayPal does not guarantee the security of the Payflow Services or Transaction data, and PayPal will not be responsible in the event of any infiltration of its security systems, if PayPal has used commercially reasonable efforts to prevent any such infiltration. Your customers’ Card Data is handled by PayPal if: (a) you use Payflow Link, or (b) you use Payflow Pro and you choose to activate the “transparent redirect” feature and integrate the feature pursuant to PayPal’s instructions. PayPal adheres to PCI DSS.

4.4 Technical Support for Payflow Services. PayPal shall provide the technical support services specific to the support package selected by you during enrollment. PayPal's current, standard technical support descriptions for the Payflow Services are set out at the URL:



5.1 Registration. When you register for the Payflow Services, you may have PayPal payments automatically enabled. The e-mail address you designate when registering for the Payflow Services will be initially used to create your PayPal account, however, to access any PayPal payments you must finish completing your PayPal account and agree to the online PayPal user agreement, found on the applicable PayPal website.

5.2 PayPal Services. Merchants using Payflow Link agree to offer PayPal Express Checkout and Bill Me Later, a PayPal service, on their hosted checkout pages. Fees for accepting payments via these services are set out as Purchase Payment Fees in the PayPal User Agreement on Merchants who do not want to offer Express Checkout and Bill Me Later can upgrade to the Payflow Pro level of service to disable these payment methods (additional fees apply for Payflow Pro).



6.1 Fees. You agree to pay PayPal the applicable fees for the Payflow Services as set out in Schedule 1, at the end of this Agreement, as amended from time to time. All fees are due immediately and are non-refundable, except as otherwise expressly noted herein. The Payflow Services are supplied on a month-to-month or annual basis depending on the payment terms you agree to during Registration. All sums due that remain unpaid after any applicable cure period will accrue interest of 1.5% per month or the maximum amount allowed by law, whichever is less; this interest to begin to accruing on the day after the payment due date until paid in full.

6.2 Taxes. The fees are exclusive of tax. You are responsible for all taxes, duties, levies or tariffs or charges of any kind imposed by any federal, state or local governmental entity on the fees for the Payflow Services, excluding taxes based on PayPal’s net income.

6.3 Payment Method. You agree to pay for the Payflow Services via credit card or ACH. You authorize PayPal to charge your credit card or debit your bank account via ACH for the fees. You shall provide proper authorization to allow PayPal to debit its bank account to collect fees due under this Agreement. All fees owed by you to third parties (for example, Financial Institutions, Financial Processors, and merchant account providers), are your sole responsibility, and are not covered by this Agreement. You are solely responsible for the credit card or ACH account information you provide to PayPal and must promptly inform PayPal of any changes thereto.



7.1 Description. Subject to the terms of this Section, the Account Updater Service allows PayPal to send the applicable Card Data of eligible Cards to one or more third party sources, and use information available to PayPal, to check and update the applicable Card Data. Following these checks, the applicable updated Card Data relating to Merchant’s customers, if any, is processed and stored by PayPal at Merchant’s direction and on the Merchant’s behalf for (i) recurring transactions using the Recurring Billing Service or (ii) other eligible transactions using the Payflow Services. PayPal may provide the Account Updater Service to all Merchants that use the Recurring Billing Service to accept recurring transactions, and such Merchants may only discontinue use of the Account Updater Service by ceasing to use the Recurring Billing Service. In the event PayPal makes the Account Updater Service available to Merchants for other eligible transactions processed without using the Recurring Billing Service, PayPal will communicate additional details to eligible Merchants once such details are determined by PayPal regarding the availability and requirements for such Merchants to implement and discontinue use of the Account Updater Service.

7.2 Permitted Use. Merchant acknowledges and agrees that the Account Updater Service is provided solely for the purpose of updating applicable Card Data to enable Merchant’s acceptance of transactions using the Payflow Services through the Recurring Billing Service or otherwise. Merchant shall not use the Account Updater Service for any other purpose, including, without limitation, the use of any portion of the Account Updater Service data in connection with the development of any other service or product.

7.3 Merchant Obligations. Merchant shall fully comply with applicable law and the Card Network Rules in connection with its use of the Account Updater Service. Further, Merchant shall provide its customers, whose Card(s) is/are eligible for the Account Updater Service, with all disclosures required under applicable law to enable Merchant to use the Account Updater Service to update the customer’s Card(s). The foregoing shall include, but shall not be limited to, incorporating promptly into Merchant’s standard terms and conditions, privacy policy, and/or other customer facing documentation, any language required by applicable law or the Card Network Rules. Merchant shall also provide adequate disclosures to make clear to customers that if they do not want their applicable Card Data updated, they may request Merchant to remove their Card that is being stored by PayPal and/or terminate their recurring transaction agreement with Merchant.

7.4 Accuracy of Information. Merchant acknowledges that the Account Updater Service may only be accurate to the extent a card issuing bank and a customer participate, and that many card issuing banks and customers may not participate. Merchant acknowledges and agrees that the Account Updater Service may rely upon information, Card Data, and services provided to PayPal by third parties.

7.5 Cessation of Account Updater Service. PayPal may immediately cease offering or providing the Account Updater Service to Merchants at any time upon email notice to Merchants.


8.1 Term; Renewal. This Agreement will commence on the date you accept the terms of this Agreement (the "Effective Date"). If you agreed to monthly billing, this Agreement automatically renews for successive one month periods, unless terminated or suspended according to the provisions of this Agreement. If you agreed to annual billing, you must notify us if you wish to renew this Agreement on an annual basis. Renewal is subject to our then-current terms and conditions, including, successful completion of any applicable authentication procedure, and payment of all outstanding fees.

8.2 Termination. Either Party may terminate the Agreement for convenience at any time by providing 30 days prior written notice to the other party. PayPal may terminate this Agreement, effective immediately, (i) in the event of insolvency, receivership or voluntary or involuntary bankruptcy, or an assignment for the benefit of your creditors, or in the event that a substantial part of your property is or becomes subject to any levy, seizure, assignment or sale for or by any creditor or governmental agency without being released or satisfied within thirty days thereafter; (ii) if you fail to comply with applicable laws or regulations; (iii) for any of the reasons listed in Section 8.3 below; or (iv) if you fail to materially comply with this Agreement. If you purchase separate Payflow Services that are sold together as a "bundled" package, as opposed to your purchasing such Payflow Services separately, termination of any part of the Payflow Services may result in termination of all Payflow Services.

8.3 Suspension. PayPal may suspend your access to the Payflow Services immediately, without prior notice if: (i) certain third party licenses or access to third party components of the Payflow Services are terminated; (ii) you cause or fail to fix a security breach relating to the Payflow Services; (iii) PayPal reasonably believes your breach compromises the security of the Payflow Services; (iv) PayPal reasonably believes fraudulent Transactions are being submitted on your account knowingly or negligently; (v) your Financial Processor or Financial Institution requires such suspension; (vi) you fail to pay any fees when due; (vii) you fail to upgrade to the most current software version, security updates and/or patches; or (g) you fail to materially comply with this Agreement.

8.4 Effect of Termination. PayPal will cease providing the Payflow Services and cease charging you for any fees as of the expiration of the billing cycle in which the termination is effective. If termination of this Agreement is due to your default hereunder, you shall bear all costs of such termination, including any reasonable costs PayPal incurs in closing your account. You agree to pay all costs incurred by PayPal in enforcing your compliance with this Section. Upon termination, your rights to use the Payflow Services, and any other rights granted hereunder, shall immediately cease, and you shall destroy any copy of the PayPal Documentation or other materials licensed to you hereunder and referenced herein. Termination of this Agreement will not relieve either Party from any liability arising prior to the termination of this Agreement. To the extent permitted by applicable law, you agree that upon termination, we may delete all information relating to your use of the Service.

8.5 Reinstatement of Payflow Services. If Payflow Services are suspended or terminated by PayPal reinstatement of Payflow Services shall be subject to you paying PayPal (i) new set-up fees, at PayPal's then-current rates; and (ii) all past due fees.



9.1 Privacy Statements. Both Parties privacy policies shall be adequately displayed within their respective websites and meet current legal and industry standards within each Party’s reasonable determination. Our privacy policy is located on our Web site at and is incorporated herein by reference. You agree that in the course of providing the Payflow Services, PayPal will capture certain Data. You agree to provide to PayPal only the Data that is required by the Software and is necessary for PayPal to provide the Payflow Services.

9.2 Data Protection. You represent and warrant that you have provided notice to, and obtained consent from, any third party individuals whose personal data you supply to us. We are not responsible for any consequences resulting from your failure to provide notice or receive consent from such individuals or for your providing outdated, incomplete, or inaccurate information. You are responsible for capturing and securing any Data you need prior to submission to us for processing. We will use the Data for processing the Transactions. After processing we will provide only truncated Data to you through our standard reporting tools. You and we agreement to comply with the data protection addendum found here, which forms part of this Agreement. The terms of the data protection addendum shall prevail over any conflicting terms in this Agreement relating to data protection and privacy.

9.3 Data Portability. Upon any termination or expiry of this Agreement, PayPal agrees, upon written request from you, to provide your new acquiring bank or payment service provider (“Data Recipient”) with any available credit card information including personal data relating to your customers (“Card Information”). In order to do so, you must provide PayPal with all requested information including proof that the Data Recipient is in compliance with the PCI DSS requirements and is level 1 PCI compliant. PayPal agrees to transfer the Card Information to the Data Recipient so long as the following applies: (a) you provide PayPal with proof that the Data Recipient is in compliance with the PCI DSS requirements (Level 1 PCI compliant), by providing PayPal a certificate or report on compliance with the PCI DSS requirements from a qualified provider and any other information reasonably requested by PayPal; (b) the transfer of such Card Information is compliant with the latest version of the PCI DSS requirements; and (c) the transfer of such Card Information is allowed under the applicable Card Network Rules, and any applicable laws, rules or regulations (including data protection laws).


10.1 Confidential Information Defined. A party’s "Confidential Information" is defined as any information of the disclosing party, which (i) if disclosed in a tangible form is marked using a legend such as "Confidential" or "Proprietary" or if not so marked, should be reasonably understood by the receiving party from the context of disclosure or from the information itself, to be confidential, or (ii) if disclosed orally or visually is declared to be confidential or, if not so declared, should be reasonably understood by the receiving party from the context of disclosure or from the information itself to be confidential. Confidential Information shall include, the terms of this Agreement; the integration requirements; information accessed via the Payflow APIs; information relating to the PayPal’s systems, technology, processes, and financial information; your user ID; information relating to your business, security and technology; and all user data and customer information (including user IDs and passwords) regardless of whether marked "Confidential."

10.2 Mutual Obligations. Each party shall hold the other party’s Confidential Information in confidence and shall not disclose such Confidential Information to any third party nor use the other party’s Confidential Information for any purpose other than as required to perform its obligations under this Agreement. Such restrictions shall not apply to Confidential Information that (i) is already known by the recipient, (ii) becomes publicly known through no act or fault of the recipient, (iii) is received by recipient from a third party without a restriction on disclosure or use, or (iv) is independently developed by recipient without reference to the Confidential Information or (v) where Confidential Information is required to be disclosed by a court, government agency, law enforcement agency, regulatory requirement, or similar disclosure requirement. The parties’ respective obligations to maintain the confidentiality of information disclosed hereunder shall survive the expiration or early termination of this Agreement or until such time as such information becomes public information through no fault of the receiving party. Upon termination or expiration of this Agreement, the receiving party shall immediately return to the disclosing party all manifestations of the Confidential Information or shall destroy all such Confidential Information as the disclosing party may designate; provided that such action may be delayed for so long as, and to the extent that, such Confidential Information relates to outstanding payment obligations or is subject to audit, reporting, or retention requirements under this Agreement or applicable law.



11.1 Intellectual Property. You acknowledge that PayPal and its licensors retain all intellectual property rights (including all patent, trademark, copyright, trade dress, trade secrets, database rights and all other intellectual property rights) and title in and to all of their Confidential Information; other proprietary information, products and services; and the ideas, concepts, techniques, inventions, processes, software or works of authorship developed, embodied in, or practiced in connection with the Payflow Services and provided by PayPal hereunder, including without limitation all modifications, enhancements, derivative works, configurations, translations, upgrades, and interfaces thereto (all of the foregoing “PayPal Intellectual Property”). PayPal Intellectual Property does not include your preexisting hardware, software, data, or networks. Except as otherwise expressly provided herein, nothing in this Agreement shall create any right of ownership or license in, and to the other Party’s intellectual property rights and each Party shall continue to independently own and maintain its intellectual property rights. There are no implied licenses under this Agreement and any rights not expressly granted to you under this Agreement are reserved by PayPal or its suppliers. You shall not reverse engineer, decompile, modify in any manner or create derivative works from the Payflow Services, API License, (defined below) or any PayPal Intellectual Property

11.2 License. PayPal hereby grants you a non-exclusive, non-transferable, revocable, non-sublicenseable, limited license to use PayPal’s Intellectual Property solely as required and necessary to use the Payflow Services in accordance with the terms and conditions of this Agreement and any user guides provided by PayPal to you (the “IP License” and with respect to the APIs, the “API License”).

11.3 Payflow APIs. PayPal shall make available to you its API integration and user guides and SDKs (collectively “PayPal Documentation”). You shall comply with the PayPal Documentation in connection with the integration and use of APIs. You shall keep all user ID, passwords and other access codes pertaining to the Payflow Services and API License confidential and secure from all unauthorized persons. You will immediately terminate the access rights of any user who ceases to act in an authorized capacity on your behalf for any reason, including because of a change in employment status or in the event of theft, loss or authorized disclosure or misuse of that user ID. You agree to notify PayPal immediately upon learning of any unauthorized use of your user name or password. You shall be solely responsible for (i) updating your passwords for access to the Payflow Services periodically, and (ii) creating passwords that are reasonably “strong” under the circumstances. The user ID is the property of PayPal and may be immediately revoked or terminated by PayPal if you share the same with any third party, or otherwise breach this API License. In connection with your use of Payflow’s API’s, you are prohibited from doing any of the following: (i) selling, transferring, sublicensing, or disclosing your user ID to any third party (other than third party service providers); (ii) selling, transferring, sublicensing, and/or assigning any interest in PayPal’s Confidential Information accessed by the APIs; (iii) collecting any customer’s personally identifiable information that is accessed through the APIs without that customer’s express permission; (iv) providing timeshare, service bureau, application service provider or similar services to any other third party; and (v) interfacing or connecting the Payflow Services, or the API License with any other computer software or system without the prior written approval of PayPal. PayPal shall have no responsibility or liability for the performance of the Payflow Services and Software, in the event that the Payflow Services or Software are not used in accordance with this Agreement or any instructions for use provided by PayPal.



12.1 Authority. Each party represents and warrants that (a) it has full power and authority to enter into and perform this Agreement; and (b) its execution and performance of this Agreement does not violate, conflict with, or result in a material default under any other contract or agreement to which it is a party, or by which it is bound.

12.2 Compliance with Laws. You represent and warrant that you shall comply with all applicable privacy, consumer and other laws and regulations with respect to (i) provision, use and disclosure of the Data; (ii) dealings with the users providing the Data; and (iii) use of the Payflow Services.






You will defend, indemnify and hold harmless PayPal, its affiliates, and its officers, directors, employees, and agents from any loss, damage, liability, claim, demand or cost (including reasonable attorneys’ fees) (“Claim”) made or incurred by any third party due to or arising out of (i) your breach of this Agreement; (ii) the sale or use of any product or services sold by you; (iii) your use of the Payflow Services; or (iv) your negligence or misconduct.






16.1 Force Majeure. Neither Party shall be responsible for any failure to perform its obligations under this Agreement if such failure is caused by acts of God, war, strikes, revolutions, lack or failure of transportation facilities, laws or governmental regulations or other causes that are beyond the reasonable control of such Party. Obligations hereunder, however, shall in not be excused but shall be suspended only until the cessation of any cause of such failure.

16.2 Entire Agreement and Modification. This Agreement constitutes the entire agreement between the Parties with respect to the subject matter hereof and supersedes any prior oral, written, or online agreements. Except as otherwise provided for herein, any waiver, modification, or amendment of any provision of this Agreement will be effective only if in writing and signed by the Parties. This Agreement does not govern your use of the PayPal payment processing services such as Express Checkout or PayPal Payments Advanced, or PayPal Payments Pro, or your PayPal account. Your PayPal account and/or your use of any PayPal payment processing services shall be governed by the online PayPal User Agreement and any other agreement you agree to in connection with such account and/or your use of such PayPal Services.

16.3 Severability. If any provision of this Agreement shall be held illegal or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable.

16.4 Assignment; No Waiver. This Agreement binds and is for the benefit of the successors and permitted assigns of each Party. You may not assign this Agreement or any rights under it, in whole or in part, without PayPal’s prior written consent. Any attempt to assign this Agreement other than as permitted above will be null and void. Failure by either Party to enforce any provision of this Agreement will not be deemed a waiver of future enforcement of that or any other provision.

16.5 Governing Law and Jury Trial Waiver. This Agreement shall be governed by and construed in accordance with the laws of the province of Ontario and Canada, except for their conflicts of laws principles. The Parties consent to the non-exclusive jurisdiction of, and venue in, the courts in Toronto, Canada. PAYPAL AND MERCHANT IRREVOCABLY WAIVE ANY AND ALL RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT.

16.6 Survival. Sections, which by their nature survive, shall survive any termination or expiration of this Agreement in accordance with their terms.

16.7 Export Restrictions. You agree that you shall not import, export, or re-export directly or indirectly, any commodity, including your products incorporating or using any PayPal products in violation of the laws and regulations of any applicable jurisdiction.

16.8 Notices. Except as otherwise expressly stated in this Agreement, all notices to PayPal shall be in writing and delivered, via courier or certified or registered mail, to Head of Legal, 661 University Ave., Suite 506, Toronto ON M5G 1M1, or any other address provided by PayPal. All notices to you shall be delivered to your e-mail address as provided by you in your account information. Unless you choose to opt-out of receiving marketing notices, you authorize PayPal to notify you as our customer, via commercial e-mails, telephone calls and other means of communication, of information that we deem is of potential interest to you, including without limitation communications describing upgrades, new products and services or other information pertaining to the Payflow Services or other PayPal offerings relating to Internet security. Notwithstanding the above, you shall not have the right to opt-out of service or support notices relating to the Payflow Services, including without limitation, notices of service modifications, security, performance issues or technical difficulties.

16.9 Headings. The section headings appearing in the Agreement are inserted only as a matter of convenience and in no way define, limit, construe or describe the scope or extent of such section or in any way affect such section.

16.10 Relationship of the Parties. The Parties are independent contractors and will have no power or authority to assume or create any obligation or responsibility on behalf of each other. This Agreement will not be construed to create or imply any partnership, agency, or joint venture.

16.11 Non-Disparagement; Publicity. During the term of the Agreement, neither party will disparage the other party or the other party's trademarks, web sites, products or services, or display any such items in a derogatory or negative manner on any web site or in any public forum or press release. All media releases, public announcements or public disclosures (including, but not limited to, promotional or marketing material) by either Party relating to this Agreement are prohibited without the prior written consent of both Parties.

16.12 Expenses. Except as otherwise specified herein or as otherwise mutually agreed upon by the Parties, each Party will bear its own costs of performing under this Agreement.



If at any time you process directly with American Express, you acknowledge and agree to comply with the terms of this Section as applicable.

  1. Access via Ecommerce Application. You understand and agree that if you install a third party e-commerce application or your own custom integration on your Web Site through which you access American Express directly, it is your responsibility to comply with or select an e-commerce application that complies with the most current American Express standards and operational requirements. In addition, it is your responsibility to keep your systems in good working order and to repair and correct any deficiencies, errors, or defect promptly during the term of this Agreement if notified by PayPal or American Express that such repair is necessary for the Direct Processing services to operate properly and in accordance with American Express requirements. PayPal will promptly notify you of American Express required changes to your system. You understand and agree that your failure to perform these functions may result in your inability to process such Transactions through PayPal or in PayPal or American Express suspending or terminating your right to access the Direct Processing services.
  2. Inability to Access Service. You acknowledge and agree to notify PayPal immediately of online processing problems, including but not limited to providing PayPal’s customer service department with notice within forty-eight (48) hours of your use of voice authorizations for Transactions that would otherwise have been sent using the Payflow Services described herein.

In no event shall PayPal be liable for Transaction processing and other services performed by American Express.




  1. If at any time you purchase Enhanced Technical Support, you agree to comply with the following terms and conditions.
  2. Enhanced Technical Support provides (i) unlimited e-mail and web support; (ii) toll free telephone support from 5:00 am to 6:00 pm PT seven days a week, except for holidays; (iii) e-mail alerts for issues that may affect Transaction processing; and (iv) two hours of integration support.
  3. The fees for Enhanced Technical Support are set out in the Registration and will be added to your monthly bill.

  1. If at any time you purchase Premium Technical Support, you agree to comply with the following terms and conditions.
  2. Premium Technical Support provides (i) unlimited e-mail and web support; (ii) 24/7 toll free telephone support; (iii) e-mail alerts for issues that may affect Transaction processing; and (iv) four hours of integration support.
  3. The fees for Premium Technical Support are set out in the Registration and will be added to your monthly bill.

If at any time you purchase the Recurring Billing Service, you agree to comply with the following terms and conditions.

  1. Compliance. The Recurring Billing Service allows you to automatically debit a customer’s debit or credit card (“Card”). This allows you to sign customers up for a payment that is recurring on a regular or irregular basis and for a fixed or variable amount. In the instance of stopping a payment, you are entitled to ask the customer for an alternative payment method, and if necessary pursue collection efforts if the customer does not provide one.
  2. Recurring Transactions. You agree, and hereby represent and warrant, that prior to processing any recurring Transactions using Recurring Billing Service, you will have entered into written agreements with its customers (1) confirming the customer’s Card number and current expiration date; (2) providing an overview of how the Recurring Billing Service will operate; (3) stating the term of the contract, in particular the period the Card will be billed and the frequency that the Card will be charged.
  3. Merchant Obligations. You shall: (i) obtain all necessary approvals required from each customer authorizing you to bill such customer's Card account; (ii) comply with all applicable bank and Card Network Rules with respect to recurring billing of customer’s Cards; (iii) provide accurate information regarding the Cards to be billed, the amounts, the billing cycles, billing period and any other information requested by PayPal that is necessary to properly process such Transactions; (iv) review Transactions periodically to determine if they have been properly submitted and notify PayPal promptly if you notice any discrepancy between the information provided and the Transactions submitted; and (v) indemnify PayPal and its representatives, officers, directors and employees from and against any claims by Cardholders that their Cards were charged by you without authorization
  1. Introduction. The Fraud Protection Services include (i) Basic Fraud Protection (ii) Advanced Fraud Protection (iii) Account Monitoring, and (iv) Buyer Authentication.
  2. Use of Fraud Protection Services. You shall (i) use the Fraud Protection Services in accordance with the applicable user guides and other documentation; and (ii) not use or permit others to use information obtained through the use of the Fraud Protection Services for any purpose other than in conjunction with the Services and in a manner described in the documentation for the Fraud Protection Services.
  3. Setting Preferences. You shall be responsible for setting preferences for the Fraud Protection Services to determine which Transactions it will accept or reject based on the authentication information provided by PayPal. You shall not reject a Transaction unless, based on various combinations of authentication information, you reasonably determine that the individual requesting the Transaction is likely not the consumer he is representing himself to be.
  4. Account Monitoring. You acknowledge that PayPal does not represent or warrant that the Account Monitoring Service is error free or that it will identify all fraudulent activity. In addition, PayPal shall not be liable to you if PayPal incorrectly identifies a Transaction as fraudulent. You shall be responsible for taking all final actions on Transactions that have been identified by PayPal as potentially fraudulent. PayPal shall use commercially reasonable efforts to monitor and internally investigate and report on potentially fraudulent activity.
  5. Dispute Resolution. You acknowledge PayPal shall have the right to provide Data to Financial Institutions and card associations for the purposes of dispute resolution.
  6. Best Practices. The Risk and Security "best practices" suggestions features of the Fraud Protection Services are for illustrative purposes only to show best industry practices, and you shall be solely responsible for choosing the appropriate settings and parameters for the Fraud Protection Services.
  7. IP Address Verification Components. Except as permitted in the applicable documentation for the Fraud Protection Services, you shall not: (i) modify, recast or create derivative works of any information obtained using the IP Address Verification components of this service; (ii) publicly display, upload or post any information obtained using the IP Address Verification components or transmit, broadcast or otherwise transfer such information to any other party; (iii) license, sell, transfer or provide access to information obtained using the IP Address Verification components of the Payflow Services; and (iv) use, or authorize any third party to use, the information obtained using the IP Address Verification components to provide geo-location services to third parties.
  8. High Risk Filters. PayPal's licensors of third party products or services used by you as part of the high risk filters components of the Fraud Protection Services shall be considered third party beneficiaries of the Agreement and shall have the right to enforce your compliance with the Agreement.
  9. Buyer Authentication. If the card associations modify their buyer authentication programs, PayPal will use commercially reasonable efforts to update the Fraud Protection Services at the next major release of the Fraud Protection Services that PayPal makes generally available.
  10. Third Party Components. PayPal shall have the right to modify, substitute, or remove third party components of the Fraud Protection Services on 30 days prior notice. You may terminate the Fraud Protection Services or this Agreement in its entirety with notice as set out in this Agreement, if such removal materially diminishes the functionality of the Fraud Protection Services.
  11. Deactivation. Upon termination of the Fraud Protection Services, PayPal may immediately cancel your access to the Fraud Protection Services. It is your responsibility to clear all settings and download all reports prior to the effective date of any such termination.



Payflow Services Fees

Service* One Time
Setup Fee
Service Fee
Included Monthly Transactions Monthly Excess Transaction Fee**
Payflow® Link $179.00 $19.95 500 Transactions per month included$0.10 per Excess Transaction
Payflow® Pro $249.00 $59.95 1000 Transactions per month included$0.10 per Excess Transaction
PayPal Recurring Billing Service
(Treated as a Transaction and included in monthly Transaction Totals; includes Account Updater Service)
Payflow Link Service $14.95 $9.95 Included as part of your monthly Payflow Link TransactionsIncluded as part of any monthly Excess
Payflow Pro Service $39.95 $29.95 Included as part of your monthly Payflow Pro TransactionsIncluded as part of any monthly Excess Transactions
PayPal Fraud Protection Services Basic Package $29.95$19.95 NA$0.05
Advanced Package $89.95$49.95
Buyer Authentication+ $150.00$9.95

The pricing table above applies to domestic payments in Canadian dollars. Payflow Services must be used with an internet merchant account. The prices above do not include internet merchant account processing fees.

*Additional fees for the Account Updater Service may apply following notice by PayPal, pursuant to the notice requirements under this Agreement.

**If you exceed the number of Transactions included in the monthly service fee for the applicable Payflow Services ("Excess Transaction"), you shall pay a monthly Transaction fee per Excess Transaction ("Monthly Excess Transaction Fee").

+The service must be purchased in conjunction with the PayPal Fraud Protection Service Basic Package or Advanced Package.

Customers with Enhanced and Premium Support services will continue to receive these services at their current pricing. These services are not available to new customers.