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EveryoneCounts Payments allows buyers and sellers (AKA contributors) to use various forms of payments on EveryoneCounts.com, and EveryoneCounts’ mobile apps and other services. EveryoneCounts Payments users can pay with and accept payment by credit card, debit card, EveryoneCounts Gift Card, EveryoneCounts Credit, EveryoneCounts Coupon, some bank transfer services, PayPal (where available), Apple Pay, Google Pay, and some country-specific installment payment methods – all in their domestic EveryoneCounts Payments currencies. This policy explains all of your rights and obligations when using EveryoneCounts Payments.
1. Accepting These Terms
The EveryoneCounts Payments Policy (or the “Policy”) sets out your rights and responsibilities when you use EveryoneCounts Payments on EveryoneCounts’ services (we’ll refer to EveryoneCounts.com, EveryoneCounts’ mobile apps, and other services as our “Services”), so please read it carefully. By using EveryoneCounts Payments, you’re agreeing to the Policy.
The Policy is a legally binding contract between you and EveryoneCounts.
EveryoneCounts Payments allows sellers to (a) accept payment by authorized credit and debit card transactions, some bank transfers services, PayPal (where available), transactions using Apple Pay, and transactions using Google Pay, (b) have those funds credited to a seller’s payment account with EveryoneCounts, and (c) have those funds deposited into a seller’s designated bank account. EveryoneCounts reserves the right to add or remove payment methods accepted by EveryoneCounts Payments in its sole discretion, with notice where required by applicable law.
EveryoneCounts Payments is only available to sellers who are at least 18 years old who register and are approved for a payment account with EveryoneCounts. EveryoneCounts Payments is currently available to sellers in Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Indonesia, Ireland, Israel, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Morocco, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Turkey, United Kingdom, United States, and Vietnam.
Sellers may only use EveryoneCounts Payments for the sale of items listed on EveryoneCounts’ Services and agree to ship sold items once a payment transaction is complete and reflected in their payment account. EveryoneCounts reserves the right to terminate a seller’s access to EveryoneCounts Payments if the seller uses EveryoneCounts Payments in any other manner.
Buyers may authorize a payment with any major credit or debit card accepted by EveryoneCounts, with EveryoneCounts Gift Cards (when available), EveryoneCounts Credits (when available), and EveryoneCounts Coupons (when available).
Buyers and Sellers benefit from EveryoneCounts having visibility into payments made on EveryoneCounts via EveryoneCounts Payments because it can make the Services easy to use and enables EveryoneCounts to more effectively provide support to sellers or buyers where relevant. It also can help reduce fraud and other types of misuse of the EveryoneCounts platform.
3. Third-Party Services
EveryoneCounts has engaged third-party service providers to perform many of the services related to payment processing, including card processing, disbursements, currency exchange, identity verification, fraud analysis, taxation, and regulatory compliance.
EveryoneCounts partners with Worldpay, PayPal, Adyen, and other licensed payment providers to facilitate card payments and other payments and the disbursement of funds to sellers. The provider and processing time for your payment will vary based on the country in which you’re located. If there are insufficient funds in your bank account when our provider processes the payment for your purchase, EveryoneCounts reserves the right to contact you directly and to seek payment.
EveryoneCounts may share your personal or transactional information with those third-party service providers for purposes related to payments processing.
EveryoneCounts Gift Cards, EveryoneCounts Credits, and EveryoneCounts Coupons are subject to the EveryoneCounts Gift Cards, Coupons & Credits Policy currently under development.
By using a third-party service, you may also be subject to an agreement with the third party. For example, PayPal is a third-party service provided by PayPal Holdings, Inc. and is subject to the PayPal User Agreement. Apple Pay is a third-party service provided by Apple Inc. and is subject to the Apple Pay Terms and Conditions. Google Pay is a third-party service provided by Google Payment Corp. and is subject to the Google Pay Terms of Service for US users, non-US users, and India residents. Payment methods made available by Klarna are third-party services provided by Klarna Inc. to buyers and are subject to Klarna’s Terms and Conditions and Privacy Notice.
If EveryoneCounts receives notice that your shop’s content or activity violates a third party’s service agreement, we may at our sole discretion take action against your account to comply with their policies. Such actions may include canceling a transaction, disabling listings from your shop, suspending or terminating your selling privileges, or removing certain payment methods.
4. EveryoneCounts’ Rights and Responsibilities
As a security measure, we may impose transaction limits on buyers and sellers. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a seller: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a buyer to withdraw from a transaction.
EveryoneCounts may refuse service of EveryoneCounts Payments to anyone, for any reason, at any time.
EveryoneCounts will send you any relevant notices regarding your use of EveryoneCounts Payments in accordance with our Electronic Communications Policy.
5. Seller Rights and Responsibilities
A. Use of EveryoneCounts Payments
If you live in a country in which EveryoneCounts Payments is available, you are required to sign up for EveryoneCounts Payments, except as otherwise determined by EveryoneCounts in its sole discretion. Using EveryoneCounts Payments will result in your shop accepting payment through authorized credit and debit card transactions, some bank transfer services, PayPal, Apple Pay, and Google Pay. For you to sign up for EveryoneCounts Payments and receive payment for transactions made through EveryoneCounts Payments, you must provide all required information and complete all required steps, including in some markets, verifying your bank account, for compliance purposes. Without this information, EveryoneCounts cannot pay you! If you live in a country in which EveryoneCounts Payments is available and you do not provide EveryoneCounts with this information, EveryoneCounts may refuse you access to the Services until you do so.
B. Payment Accounts
A payment account allows sellers to track payment amounts, refunds, and fees related to transactions and seller services. Sellers must provide accurate personal information as requested during registration, and are responsible for maintaining and updating that information as necessary. Sellers will not impersonate any person or use any name they are not legally authorized to use. Sellers authorize us, and authorized agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the sellers. EveryoneCounts verifies sellers’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.
Payment accounts are only available to individuals who are eligible to be sellers on EveryoneCounts’ Services and who have a valid credit or debit card on file with EveryoneCounts unless they are exempt from this requirement. Sellers who have bank accounts established in Austria, Germany, and the Netherlands are not required to have a credit card on file with EveryoneCounts to have a payment account.
In the event that a buyer submits a chargeback, EveryoneCounts will respond to the credit card networks on behalf of the seller involved in the transaction; the seller agrees to provide any requested information to us within five calendar days of the request. EveryoneCounts reserves the right to recoup funds associated with buyer chargebacks from the seller.
We will inform sellers of each transaction, or of other information pertaining to EveryoneCounts Payments, using our standard communication procedures (detailed in our Electronic Communications Policy), including by email or through EveryoneCounts’ Messages tool.
Refunds or adjustments paid by EveryoneCounts to buyers for payments made through EveryoneCounts Payments may be initiated using the refund functionality in the seller’s payment account for a period of 180 days after the purchase was made. The EveryoneCounts Payments Platform does not have refund functionality after 180 days from the original purchase date. Any such funds paid by EveryoneCounts to cover refunds will be deducted from the seller’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the seller’s card on file or added to the seller’s payment account. Refunds issued by EveryoneCounts will be in the original form of payment, and if such payment is not available, an EveryoneCounts credit will be issued.
Fully refunded transactions may be eligible for cancellation in accordance with our Cancellation Policy.
F. International Trade Laws
You agree that your use of EveryoneCounts Payments will not involve any countries, entities, individuals, or items prohibited by sanctions, embargoes, regulations, or orders administered by the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies. See our Sanctions Policy for more information.
G. Information on Cardholder Charges
Please note that your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on EveryoneCounts. These fees are not charged by EveryoneCounts and are at the discretion of your bank. Please contact your bank for further details.
6. Appointment of EveryoneCounts as Limited Collection Agent for Sellers
Each seller appoints EveryoneCounts as its agent for the limited purpose of receiving, holding, and settling payments to the seller. EveryoneCounts will settle payments that are actually received by EveryoneCounts to each seller, less any amounts owed to EveryoneCounts and subject to these Terms. Each seller agrees that a buyer payment received by EveryoneCounts, on behalf of the seller, satisfies the buyer’s obligations to make payment to the seller, regardless of whether EveryoneCounts actually settles such payment to the seller. If EveryoneCounts does not settle any such payments as described in these Terms to a seller, such seller will have recourse only against EveryoneCounts and not the buyer.
A. Payment Account
All funds resulting from a completed transaction will be reflected as a balance in a seller’s payment account. Transactions are considered complete at the later of once the payment is approved by EveryoneCounts or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to buyers in connection with purchases, or for funds received since the last payment day, are also applied to the seller’s payment account balance.
Funds displayed in a seller’s payment account balance are eligible for deposit (the “Available Funds”) into a seller’s bank account, subject to any applicable reserve(s) and corresponding reserve limit, hold, or deposit delay, as described in Section B. Reserves; Holds and Delays below, and as otherwise determined by the seller’s bank.
For deposits below designated thresholds in certain markets, a deposit fee will apply. See Section 9 below for details on deposit fees. A deposit minimum also applies to deposits in certain markets. Funds will only be available for deposit if they exceed the applicable deposit minimum.
B. Reserves; Holds and Delays
To protect the security and integrity of our marketplace, the users of the EveryoneCounts services, and EveryoneCounts, EveryoneCounts may take account-level or transaction-level actions based on risk-based criteria, like the criteria listed below. Some of our decisions about reserves, holds, and delays may be based on criteria that demonstrate a seller’s ability to fulfill orders in a manner consistent with EveryoneCounts’ policies. These criteria are essential to our management of risk and the protection of EveryoneCounts and our users. EveryoneCounts reserves the right to use a combination of reserves, deposit delays and holds on your account.
A Reserve is an amount of money pending settlement as indicated in your payment account. A Reserve will be placed on your account if we believe there may be a high level of financial risk associated with you, your account, your business model, or your transactions.
When a Reserve is applied on your payment account, it means that a percentage of the funds in your payment account balance is held on an ongoing basis, and will not be made available for disbursement as Available Funds for a specified period of time. The Reserve percentage applies to amounts from your sales that would otherwise be available for disbursement. The percentage Reserve applied to your account is determined by your risk level and is used to create a threshold amount (explained in detail below) that applies to your payment account balance while you are in Reserve. You’ll be notified by email if a Reserve is applied to your Payment Account. The email you receive notifying you that you are in Reserve will include details of the Reserve, including the period of Reserve and the percentage applied to your Payment Account.
- Threshold Reserve Amount applicable to your Account
- The threshold reserve amount is the amount of funds you must have in your Payment Account while you’re in Reserve before you’ll have money available to disburse to your bank account (the “Threshold Reserve Amount”). The Threshold Reserve Amount will maintain the percentage Reserve that has been applied to your account. As a result, it may increase and decrease as appropriate to reflect new activity in your payment account, like sales you’ve received, refunds and chargebacks, charges to your payment account where applicable, as well as and Reserve amounts released to you. The Threshold Reserve will also determine the amount of funds available to be disbursed to your bank account as Available Funds and the amount of funds that are pending, because they are still in Reserve. Funds in excess of the Threshold Reserve Amount are available to you for disbursement as described in Section 7A above. Funds below the Threshold Reserve Amount are your Reserved funds and are not available for disbursement until the end of the applicable Reserve period. If your Reserve funds are used to cover any charges and your Reserve funds fall below the Threshold Reserve Amount, funds from subsequent sales will be applied to your Reserve funds to help you meet and maintain your Threshold Reserve Amount. You can view your Threshold Reserve Amount, as well as any Reserved funds and funds available to you for disbursement (Available Funds), in your Payment Account.
Reserve funds will be used to address potential financial risks such as refunds, chargebacks, claims, or seller fees and charges, where your Available Funds do not sufficiently cover such charges. Reserve funds that are not used to address refunds, chargebacks, claims, or seller fees, where applicable, will be released to you in full at the end of the corresponding Reserve period on a rolling basis. However, Reserve funds will not be released if, during the Reserve period relating to a particular sale, a buyer raises a case against you or files a chargeback, and you do not have sufficient funds in your Available Funds to cover a potential refund. EveryoneCounts relies on different risk factors (and whether and how these factors have changed over time) to determine whether and how much of a Reserve should be applied to your payment account, including:
- How long you’ve been in business on EveryoneCounts (including how long since you’ve made your first sale)
- Details of your sales (including volume and average sales earnings)
- The extent of any backlog of orders from your shop
- Availability of shipping tracking information
- Types of goods you sell (whether they’re ready to ship or made to order)
- Ratio of cases (disputes) opened by buyers in respect of your sales
- Suspensions or warnings already received
- Estimated delivery times; and
- Shipping status of active orders
Types of Account Reserves:
A fixed reserve is a fixed percentage of your payment account balance at the time a Reserve is placed on your account, which will be held for a specified period of time. After that, the same percentage of each of your subsequent sales will be held in Reserve, each for a specified period of time. Reserve funds will be held for such period and where applicable, will be used to address chargebacks, refunds, and pay seller fees. Reserve funds will be released on a rolling basis after the corresponding Reserve period expires unless a case is raised against you by a buyer. Any funds above the Threshold Amount of your Reserve will be available to be disbursed as described in Section 7A.
- For example, your Reserve could be set at 30% and held for a 45-day rolling period – meaning 30% of the funds in your payments account balance on day 1 are Reserved and then released on day 46. If you make a sale on day 2, 30% of the funds you receive from that sale on day 2 is reserved until day 47, etc. If you make a sale on day 4, 30% of the funds you receive from that sale are reserved until day 49. If any chargebacks are filed against you, or refunds to buyers are required, or seller fees are charged, and your Available Funds are insufficient to cover such costs Reserve funds will be used to address those charges. If Reserve funds are used for such purpose(s), such funds will be released to you for disbursement less such amounts.
A variable reserve is a percentage, determined as appropriate by EveryoneCounts’ risk team, of a seller’s payment account balance (i) delayed prior to being included as part of a seller’s Available Funds for a period of up to 180 days or (ii) deducted from a seller’s payment account as a reserve for a period of up to 90 days. A variable reserve may be placed on a seller’s payment account balance in addition to any applicable Fixed Reserve in EveryoneCounts’ sole discretion. Account Reserves are placed on an account on a case by case basis, in reference to the factors listed above and other risk-based criteria, and are reviewed from time to time. EveryoneCounts may deem a seller eligible for reduction in the percentage or removal of a Reserve due to a change in our risk-assessment of a seller based on the factors listed above, or as a result of a seller’s positive performance, such as a reduction in cases or an improvement in the seller’s fulfillment of orders. EveryoneCounts may increase the Reserve percentage held and/or the period for which the Reserve applies based on our re-review of a seller account against the factors listed above, and other risk-based criteria. If we change the terms of a Reserve due to a change in our risk assessment, we’ll notify you of the new terms.
Holds and Delays. In some cases, deposits to a seller’s bank accounts could be temporarily delayed by an issue at EveryoneCounts, EveryoneCounts’ third-party service providers, or a seller’s bank. We’ll do our best to communicate with any affected seller as soon as we can.
Separately, if we believe that a seller’s actions may result in buyer disputes, chargebacks, increased risk of fraud, counterfeiting, or other claims, then we may, in addition to any applicable Reserve and in our sole discretion, put a hold or deposit delay on the seller’s payment account balance.
- A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of: (a) 180 days after the estimated delivery date, or (b) completion of any investigation regarding the seller’s actions.
- Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 180 days. A deposit delay is applied across all transactions for a seller and the number of days is reflected in each seller’s payment account.
If EveryoneCounts places a hold or deposit delay on a seller’s account, we’ll do our best to communicate with the affected seller as appropriately as soon as we can.
We always work hard to avoid and minimize any delays. However, please note that EveryoneCounts is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.
C. Country and Currency Options
Available Funds can only be deposited into bank accounts, in the domestic currency of the account, in the United States, Australia, Canada, the European Union, Hong Kong, Indonesia, Israel, Malaysia, Mexico, Morocco, New Zealand, Norway, Philippines, Singapore, South Africa, Switzerland, Turkey, United Kingdom, and Vietnam in the following currencies: US Dollars (USD), Australian Dollars (AUD), Canadian Dollars (CAD), Swiss Francs (CHF), Danish Krone (DKK), Euros (EUR), British Pounds (GBP), Hong Kong Dollars (HKD), Indonesian Rupiah (IDR), Israeli Shekel (ILS), Moroccan Dirham (MAD), Mexican Peso (MXN), Malaysian Ringgit (MYR), New Zealand Dollars (NZD), Norwegian Krone (NOK), Philippine Peso (PHP), Swedish Krona (SEK), Singapore Dollars (SGD), Turkish Lira (TRY), South African Rand (ZAR) and Vietnamese Dong (VND).
D. Scheduled Deposits
EveryoneCounts will instruct our payments partners to initiate a deposit of a seller’s Available Funds into the seller’s bank account on a monthly basis, where payment is made on the first of the month for all fees collected for the prior month. Deposits into a seller’s bank account will generally be credited within three (3) to five (5) business days from the date EveryoneCounts initiates the deposit request. The actual timing of the deposit may depend on how quickly a seller’s bank processes the request.
The Payment Date will fall on the next business day (Monday through Friday, excluding bank holidays) if the scheduled Payment Date falls on a non-business day. If a seller elects to change the frequency of disbursements, the following deposit will be initiated on the next business day if the seller selects daily disbursements, or on the next applicable Monday if the seller selects weekly, biweekly, or monthly disbursements. When a seller either initially provides or later changes their bank account information, the seller must wait at least five (5) calendar days to request a deposit into a bank account as a security precaution. The next scheduled deposit after a change to bank account information will occur on the next applicable Payment Date after a period of five (5) calendar days from the date of the requested change.
A. We reserve the right, in our sole discretion, to seek reimbursement from a seller in any of the following circumstances: (a) we provide a refund to a buyer because a seller did not promptly deliver the goods or we otherwise determine, consistent with Section 5 (Seller Rights and Responsibilities), that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a seller, (c) we receive a chargeback from a buyer’s credit card issuer or reversal of payment for the amount of a buyer’s purchase from a seller, or (d) a seller does not act in accordance with EveryoneCounts’ policies.
B. We may obtain reimbursement of any amounts owed by a seller to EveryoneCounts by deducting from future payments owed to the seller, reversing any credits to the seller’s payment account balance, charging the seller’s card on file, charging the seller’s payment account, or seeking reimbursement from the seller by any other lawful means, including by using third-party collections services. You authorize us to use any or all of the foregoing methods to seek reimbursement. EveryoneCounts may suspend your selling privileges at any time pending payment of your outstanding balance.
9. Payment Processing Fees
EveryoneCounts charges a fee (the “Payment Processing Fee”) for processing each transaction through EveryoneCounts Payments. The fee amount will be assessed on the gross order amount, including shipping and tax (if applicable). Payment Processing Fees will be reflected in your payment account and will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. For deposits below designated thresholds in certain markets, a deposit fee will apply, as described in the table below. Deposit fees are deducted from your Available Funds and reflected in your payment account at the time of your scheduled deposit. In the event of any partial or full refunds credited back to a buyer, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the seller. Other applicable fees will be refunded to the seller’s payment account. Deposit fees will be refunded if the deposit is returned to a seller’s payment account.
B. Fee Amount
Payment Processing Fees vary based on the location of a seller’s bank account.
C. Listing Currency Conversion Considerations for Sellers
When a seller lists and subsequently sells an item in a currency other than the currency of the seller’s payment account, EveryoneCounts will settle the associated transaction proceeds in the currency of the seller’s payment account. When such a service is required, EveryoneCounts applies an additional 2.5% currency conversion fee. Calculation rates are updated regularly.
D. Value-Added Tax (VAT)
Depending on your business status and location, EveryoneCounts may be required to charge VAT on seller fees accrued each month and remit it to the relevant tax authority. VAT is collected on EveryoneCounts Payments processing fees for sellers located in eligible EveryoneCounts Payments countries where required.
E. Browsing Currency Considerations for Buyers
In the case of a buyer purchasing from a seller who lists in a currency other than the buyer’s browsing currency, EveryoneCounts will automatically calculate the listing price in the buyer’s browsing currency. If a seller chooses to show rounded prices to buyers browsing the site in a currency other than the seller’s listing price, EveryoneCounts will calculate the listing price in the buyer’s browsing currency and round it in accordance with the rounding rules. EveryoneCounts will display the rounded price to a buyer in the buyer’s browsing currency. When such a calculation is required, EveryoneCounts applies an additional currency conversion charge. Calculation rates are updated regularly.
In the United States, EveryoneCounts may earn interest (or other compensation) from the balances in our bank accounts because of the timing difference between our being paid by buyers and our paying sellers (when our bank account is being debited to pay Available Funds in payment accounts to sellers).
10. Reporting Obligations
Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for sellers located in the United States or being paid in USD in certain circumstances.
To comply with these regulations, sellers who approach 150 (one hundred and fifty) transactions in a calendar year, regardless of sales volume and aggregated across his or her Shops, will be required to provide taxpayer-identification information to EveryoneCounts.
EveryoneCounts is also required to report tax information to local tax authorities in certain countries outside the US. These reporting obligations are triggered when sellers make sales via EveryoneCounts to buyers in those countries and the sales (in the aggregate) exceed the applicable VAT or local tax threshold (which may be based on transactions or sales value) in a calendar year.
To comply with these reporting obligations, EveryoneCounts requires that you add your taxpayer name and VAT ID to your EveryoneCounts shop as you approach the VAT sales threshold or local reportable threshold in the relevant country or countries. Your EveryoneCounts selling privileges may be suspended until you provide this information.
Sellers may terminate this contract and their acceptance of EveryoneCounts Payments at any time by adjusting the Settings in their account with EveryoneCounts. EveryoneCounts may also terminate or suspend a seller’s use of EveryoneCounts Payments at any time.
Upon termination, any non-disputed Available Funds will be deposited into a seller’s bank account. EveryoneCounts reserves the right, upon termination of access to EveryoneCounts Payments, to set off against any payments to be made to the seller, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments, or other amounts that might be paid to buyers in connection with purchases from the seller’s payment account for a prospective 180-day period. At the end of the 180-day period following termination, we will disburse to the seller any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to Buyers, or seek reimbursement from the seller via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to buyers, as applicable.
Last updated on August 23, 2021