Policy regarding payment transactions on the platform

1. Why this policy

The document documents how scenarios related to payment in an establishment are organized on the ТАЧ! platform: who initiates the transaction, where the payment is confirmed, where the money goes and what it does (and what Not does) platform operator.

The policy is intended for clients, partner banks and service users. She complements public offer And user agreement and does not replace the contract establishments with a bank.

2. Role ТАЧ!

ТАЧ! — B2B software platform: personal account, mobile application for establishment employees, API and related functions. We provide information technology services: technical orchestration of API calls client bank, payment representation display (QR, link, NFC-URI) and information display statuses.

ТАЧ! is not:

• bank or credit institution;
• money transfer operator;
• paying agent or subagent;
• electronic money operator;
• payment system operator or other payment organization in the sense of the legislation on national payment system.

ТАЧ! does not accept, hold, transfer or store cash guests, employees and establishment clients. Money from guest payment transactions don't pass through platform operator accounts.

3. How does payment work?

1. The establishment independently enters into an agreement with the bank (acquiring, SBP and other channels) and receives The bank has its own credentials for the API.
2. In the personal account ТАЧ! the establishment connects the bank integration using their keys and parameters issued by the bank.
3. An employee of the establishment indicates the amount in the mobile application. Platform on behalf of the establishment accesses the API of the client's bank and receives payment data from the bank (for example, QR or link).
4. Guest confirms payment in your banking app. Creating a payment instrument, authorization and enrollment are completed bank and/or infrastructure NSPC (SBP).
5. ТАЧ! receives information about the transaction status from the bank and shows it to the employee and in analytics personal account.

Money flow chain: guest → bank → establishment account with the bank. Platform in this does not participate in the chain.

4. Terms and conditions of the client’s bank

All conditions for accepting payments, commissions, terms of enrollment, returns, challenging transactions, limits, identification, anti-fraud and other banking rules are determined agreement between the institution and its bank and bank rules / NSPK.

ТАЧ! does not install bank tariffs and commissions, is not a party settlements between the guest, the bank and the establishment and does not replace the bank in executing the payment.

Disputes and claims regarding the debit, credit or return of a guest’s funds are considered within the framework of the “guest – bank – establishment” relationship, and not as claims against the operator platforms for receiving or transferring money.

5. What the platform stores (and what it doesn’t)

Cash

Not accepted, stored or translated by the platform operator.

Full details of the guest's bank card

In current scenarios of SBP / payment via guest banking app are not entered or stored on the ТАЧ! side. Payment confirmation is carried out in guest bank application.

Secrets of institution bank integration

API credentials, which the establishment itself enters in its personal account, are stored for operation integration (using security measures provided for by the service architecture).

Transaction metadata

Amount, transaction identifiers / QR, statuses and related service fields - for display in interface and analytics. This Not replacement of a bank statement.

The processing of personal data of platform users is described in privacy policy.

6. QR and NFC

QR, payment link and NFC in the product ТАЧ! - methods send the guest a payment link (URI), formed in the contour of the bank. This Not accepting a bank card through a classic EMV terminal on the operator’s side platforms. Confirmation and debiting are performed in the guest's bank application.

7. Statuses and analytics

Operation statuses and reports in your personal account are informational in nature. The source of payment “truth” for the execution of the operation is bank. For accounting and tax accounting, reconciliation and official reports, the client uses statements and materials from your bank.

There may be temporary or permanent discrepancies between the status in ТАЧ! and bank data (including including when the transaction is canceled by an employee before receiving the final response from the bank).

8. Participants

Establishment (B2B client)

Recipient of proceeds; owner of the agreement with the bank; configures integration in your personal account.

Establishment employee

Initiates the amount in the mobile application within the framework of the rights issued by the establishment.

Guest

Confirms the payment in your banking application.

Bank / NSPK

Creates a payment instrument, executes the operation, determines tariffs and conditions for crediting agreement with the establishment.

Operator ТАЧ!

Provides software and cloud infrastructure; transmits requests to the bank API using credentials client; displays information statuses.

9. Related documents

• Public offer
• User Agreement (including section 3)
• Privacy Policy
• Details

10. Contacts

Regarding this policy: support@tac4.ru, partners@tac4.ru.

The wording is consistent with the platform model “information technology service, not participant in settlements." Final legal examination for a specific legal entity and requirements partner bank - at the request of the bank or the parties’ lawyer.