These General Terms govern the relationship between the Customer and Dintero AS in respect of Dintero’s provision of payment services. They apply to all Customers regardless of role and form the base layer of this Agreement.
Supplementary Terms — the Merchant Terms, Marketplace Terms, Partner Terms, Seller Terms, Operator Terms, Employer Terms, and Channel Schedules — apply in addition to these General Terms where a Customer holds the relevant role or activates the relevant payment environment. The Partner Terms, Seller Terms, Operator Terms, and Employer Terms each set out which sections of these General Terms do not apply to those roles.
Section applicability by role:
Role codes: M Merchant · MP Marketplace · P Partner · S Seller · O Operator · E Employer · ✓ applies in full · — excluded (see Supplementary Terms)
In these General Terms, the following capitalised terms shall have the meanings set out below.
The Applies to column uses the following codes: M Merchant · MP Marketplace · P Partner · S Seller · O Operator · E Employer · All all roles · IPP in-store/in-person environment · Online online/e-commerce environment · PL Payment Link environment · R recurring/MIT environment.
Account: The account held with Dintero in the name of the Customer, through which Dintero enables Payment Methods, records Transactions, and updates Balances. Applies to: Merchant, Marketplace, Partner, Operator.
Account Data Compromise: A security breach resulting in the confirmed or suspected compromise of payment card data. Applies to: Merchant, Marketplace, in-store/in-person environment.
Acquirer: A licensed financial institution or payment service provider that processes and settles card Transactions on behalf of the Customer. For the purposes of this Agreement, Dintero acts as the Acquirer in its relationship with the Customer unless: (a) Dintero explicitly refers the Customer to a third-party acquirer with which the Customer separately enters into a card acquiring agreement; or (b) Dintero operates as a payment facilitator under a master merchant agreement with an external acquirer, in which case Dintero assumes towards the Customer all obligations that would otherwise fall on the Acquirer, as if Dintero were itself the Acquirer. Applies to: Merchant, Marketplace.
Agreement: The agreement between the Customer and Dintero, consisting of the agreement form, these General Terms, any applicable Supplementary Terms, and all appendices. Applies to: all roles.
AML (Anti-Money Laundering): The laws, regulations, and procedures designed to prevent the proceeds of criminal activity from being disguised as legitimate funds, including the Norwegian Anti-Money Laundering Act (hvitvaskingsloven), EU Directive 2015/849 (the Fourth Anti-Money Laundering Directive) and its successors, and any other national implementing legislation applicable in the relevant jurisdiction. Applies to: all roles.
Authorization: The real-time check and approval by the relevant card issuer or Financial Institution confirming that a Transaction may proceed, including verification that the payment instrument is valid and that sufficient funds or credit are available. Applies to: Merchant, Marketplace.
Backoffice: The web interface provided by Dintero that enables the Customer to view payments and settlements, configure services, and make technical integrations. Applies to: Merchant, Marketplace, Partner, Operator.
Balance: The funds held by Dintero on the Customer’s behalf, net of any deductions in accordance with this Agreement. Applies to: Merchant, Marketplace, Seller.
Banking Day: A day on which banks generally keep open for business in Norway, excluding Saturdays, Sundays, and Norwegian public holidays. Applies to: all roles.
Brand(s): Logos, trademarks, trade names, slogans, or other indications of ownership pertaining to a Payment Method or to Dintero. Applies to: Merchant, Marketplace.
Card-on-File: A payment arrangement under which an End Buyer has given explicit consent for the Customer to store the End Buyer’s payment card details for use in future Transactions, whether initiated by the End Buyer (CIT) or by the Customer (MIT). Applies to: Merchant, Marketplace, recurring/MIT environment.
Capture: The Customer’s confirmation, submitted via the Dintero API or Backoffice, that the goods or services underlying an Authorised Transaction have been dispatched or delivered to the End Buyer, which instruction triggers the actual charge to the End Buyer. Applies to: Merchant, Marketplace.
Channel Schedule: A schedule forming part of this Agreement that sets out the technical, security, and compliance requirements applicable to a specific payment environment (online, in-store, or payment link), which becomes operative upon activation of that environment. Applies to: Merchant, Marketplace, Partner.
Chargeback: A reversal of a Transaction to the End Buyer initiated by a Scheme Owner, card issuer, or Financial Institution in accordance with the applicable Scheme Rules. Applies to: Merchant, Marketplace, Seller.
CIT (Cardholder Initiated Transaction): A Transaction in which the End Buyer actively participates at the time of payment, for example by entering payment credentials or explicitly approving the charge. CIT Transactions are subject to Strong Customer Authentication unless an applicable exemption applies. Applies to: Merchant, Marketplace, recurring/MIT environment.
Customer: The legal entity or individual that has entered into this Agreement with Dintero. A Customer may hold one or more roles: Merchant, Marketplace, Partner, Seller, Operator, or Employer, each as defined below. Applies to: all roles.
Dintero Services: Has the meaning set out in Section 4 (Dintero Services). Applies to: all roles.
Dintero Website: Dintero’s public website, accessible at https://www.dintero.com. Applies to: all roles.
Employer: A legal entity that has entered into Employer Terms with Dintero and whose role is to pay reimbursement funds to Dintero for disbursement to Reimbursement Recipients via an Operator. A Customer holding the Employer role is subject to the Employer Terms. Applies to: Employer.
Employer Terms: The supplementary terms applicable to Customers holding the Employer role. Applies to: Employer.
End Buyer: A person or company that purchases goods or services from a Customer or, in the case of a Marketplace, from a Seller on the Marketplace’s platform. End Buyers are not party to this Agreement and are not Dintero’s direct contractual counterparties. Applies to: Merchant, Marketplace, Seller.
Financial Institution(s): One or more banks, credit institutions, or other financial institutions to which a Payment Method is connected and that process Transactions for which a payment order has been given via the Payment Method. Applies to: Merchant, Marketplace.
Force Majeure: Circumstances or events beyond the reasonable control of the affected Party, as further described in Clause 13.3. Applies to: all roles.
General Terms: These general terms and conditions. Applies to: all roles.
Hosted Solution: A payment integration method in which the End Buyer is redirected from the Customer’s website or application to a Dintero-hosted payment page to enter card data, so that card data is entered and processed exclusively within Dintero’s PCI-DSS certified environment and not on the Customer’s systems. Applies to: Merchant, Marketplace, online/e-commerce environment.
Interchange: The per-Transaction fee paid by Dintero to the card issuer as part of the card scheme settlement process, which forms a component of the fees charged to the Customer. Interchange rates are set by the relevant Scheme Owners and may vary by card type, Transaction type, and jurisdiction. Applies to: Merchant, Marketplace.
Intellectual Property Rights: All copyrights, trademarks, service marks, design rights, patents, trade secrets, database rights, and other intellectual or industrial property rights, whether registered or unregistered, and all applications or rights to apply for the same, anywhere in the world. Applies to: all roles.
Intermediary / Intermediaries: Any intermediary between Dintero and the Financial Institutions, including proprietors of payment products and brands (including Visa, Mastercard, American Express, and other card schemes), their acquirers, and the networks used for the transmission and processing of Transactions. Applies to: Merchant, Marketplace.
KYC (Know Your Customer): The process by which Dintero verifies the identity of a Customer, its ultimate beneficial owners, directors, and other relevant persons, and assesses the associated risk, in order to comply with applicable AML legislation and Dintero’s own onboarding and monitoring requirements. Applies to: all roles.
Marketplace: A Customer that operates a platform through which Sellers offer goods or services to End Buyers, and that uses Dintero’s payment services to collect payments from End Buyers and distribute the applicable portions to Sellers. A Customer holding the Marketplace role is subject to the Marketplace Terms. Applies to: Marketplace.
Marketplace Terms: The supplementary terms applicable to Customers holding the Marketplace role. Applies to: Marketplace.
Merchant: A Customer that uses Dintero’s payment services to accept payments from End Buyers in connection with the sale of goods or services. A Customer holding the Merchant role is subject to the Merchant Terms. Applies to: Merchant.
Merchant of Record: The entity that is recognised by card schemes, Acquirers, and applicable law as the seller in a payment transaction — that is, the entity in whose name the transaction is processed, that accepts the payment from the End Buyer, and that bears full liability toward the End Buyer and the card schemes in respect of that transaction. Where a Marketplace processes payments through Dintero, the Marketplace is the Merchant of Record for all transactions on its platform, regardless of which Seller supplied the underlying goods or services. Applies to: Marketplace.
Merchant Terms: The supplementary terms applicable to Customers holding the Merchant role. Applies to: Merchant.
MIT (Merchant Initiated Transaction): A Transaction initiated by the Customer using payment credentials previously stored under a Card-on-File arrangement, without the End Buyer actively participating at the time of the charge. MITs must be based on prior explicit consent from the End Buyer and are governed by the applicable Scheme Rules. Applies to: Merchant, Marketplace, recurring/MIT environment.
Operator: A Customer that holds the Partner role and whose specific function is to instruct Dintero on the distribution of reimbursement funds to Reimbursement Recipients on behalf of one or more Employers. A Customer holding the Operator role is subject to both the Partner Terms and the Operator Terms. Applies to: Operator.
Operator Terms: The supplementary terms applicable to Customers holding the Operator role. Applies to: Operator.
Outage: An unannounced interruption or unintentional modification in the operation of the Dintero Services which results in the Dintero Services not delivering the functionality agreed upon with the Customer. Applies to: Merchant, Marketplace.
PA-DSS: Payment Application Data Security Standards published by the PCI Security Standards Council (or its successor standards). Applies to: Merchant, Marketplace, in-store/in-person environment.
Partner: A Customer that acts as a commercial intermediary, introducing prospective Merchants or Marketplaces to Dintero and, where authorised, assisting those customers during onboarding. A Customer holding the Partner role is subject to the Partner Terms. Applies to: Partner.
Partner Terms: The supplementary terms applicable to Customers holding the Partner role. Applies to: Partner.
Parties: Dintero and the Customer, individually a “Party”. Applies to: all roles.
Pass-Through Fees: Fees and other costs imposed by third parties — including Scheme Owners, Acquirers, card issuers, and other Intermediaries — in connection with the processing of Transactions, which Dintero collects and passes on to the Customer. Pass-Through Fees include, without limitation, interchange fees, scheme fees, and other third-party assessments, and are in addition to Dintero’s own service fees. Applies to: Merchant, Marketplace.
Payout Destination: The bank account or other payment destination registered by the Customer in the Backoffice to which Dintero transfers settlement proceeds and other amounts payable to the Customer. Applies to: Merchant, Marketplace, Seller, Operator.
Payment Link: A link to a Dintero-hosted payment page generated by the Customer through the Dintero API or Backoffice and distributed to an End Buyer via SMS, email, or other messaging channel, enabling the End Buyer to complete payment without visiting the Customer’s website or app. Applies to: Merchant, Marketplace, Payment Link environment.
Payment Method: Any scheme, network, protocol, or service listed as a supported payment method on the Dintero Website or otherwise agreed between Dintero and the Customer. Applies to: Merchant, Marketplace.
PCI-DSS: Payment Card Industry Data Security Standards published by the PCI Security Standards Council (or its successor standards). Applies to: Merchant, Marketplace.
Personal Data: Any information relating to an identified or identifiable natural person, as defined in the EU General Data Protection Regulation (GDPR). Applies to: all roles.
Recurring Payment: A payment arrangement under which the End Buyer grants the Customer standing authority to charge the End Buyer’s chosen payment method at agreed intervals for a fixed or variable amount, in accordance with the terms agreed between the Customer and the End Buyer. Also referred to as a subscription payment. Applies to: Merchant, Marketplace, recurring/MIT environment.
Refund: A Transaction initiated by the Customer that credits an End Buyer for a prior purchase, processed via the same payment method as the original Transaction, up to the value of the original Transaction. Applies to: Merchant, Marketplace, Seller.
Reimbursement Recipient: An individual employed by or otherwise engaged by an Employer who is entitled to receive a reimbursement payout from Dintero. Reimbursement Recipients are not party to this Agreement and are not Dintero’s direct contractual counterparties. Applies to: Operator, Employer.
Retained Funds: A reserve of funds owned by the Customer but held by Dintero to cover relevant risks, including chargebacks and refunds. Applies to: Merchant, Marketplace, Seller.
RTS: Commission Delegated Regulation (EU) 2018/389 supplementing PSD2 with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication, as amended or replaced from time to time. Applies to: Merchant, Marketplace, recurring/MIT environment.
Scheme Owner: The party offering and/or regulating the relevant Payment Method. Applies to: Merchant, Marketplace.
Scheme Rules: The from time to time applicable rules, regulations, and operating guidelines of the relevant Scheme Owners and Intermediaries, as supplemented or amended, with which the Customer must comply when using any Payment Method. Applies to: Merchant, Marketplace.
Seller: A business or individual connected to a Marketplace’s account whose relationship with Dintero is governed by a separate Seller Terms. Applies to: Marketplace, Seller.
Seller Terms: The separate agreement between Dintero and a Seller, governing the terms of settlement and related services in connection with sales made via a Marketplace. Applies to: Marketplace, Seller.
Split Payout: A Dintero service that enables a single payment to be split and distributed to multiple recipients, as further described in Channel Schedule SP. Applies to: Marketplace, Operator.
Store: Each registered website (URL), app, or physical POS location through which the Customer accepts Transactions using the Dintero Services. Applies to: Merchant, Marketplace.
Strong Customer Authentication: Strong Customer Authentication as required under PSD2, the RTS, and applicable Scheme Rules. Applies to: Merchant, Marketplace, recurring/MIT environment.
Supplementary Terms: Any terms supplementary to these General Terms that apply to specific roles, Dintero Services, or payment environments, including the Merchant Terms, Marketplace Terms, Partner Terms, Operator Terms, Employer Terms, Channel Schedules, and any other terms agreed between Dintero and the Customer. Applies to: all roles.
Terminal: A device provided via Dintero or a third-party supplier to submit a POS Transaction to Dintero, including a physical payment terminal or a compatible mobile device. Applies to: Merchant, Marketplace, Partner, in-store/in-person environment.
Transaction(s): Payments initiated by an End Buyer via a website, Terminal, or another accepted sales channel of the Customer for the purchase of goods or services. Applies to: Merchant, Marketplace, Seller.
Transaction Log: An electronically stored, traceable record of Transactions processed through the Customer’s Stores, containing the information required under this Agreement and any applicable Channel Schedule, and retained for the minimum periods specified therein. Applies to: Merchant, Marketplace.
Website: One or more websites, applications (including mobile applications), or other online services maintained by the Customer for the sale of goods or services. Applies to: Merchant, Marketplace, online/e-commerce environment.
These General Terms apply to all Customers regardless of role. They form the base layer of this Agreement. Supplementary Terms — the Merchant Terms, Marketplace Terms, Partner Terms, and Channel Schedules — apply in addition to these General Terms where a Customer holds the relevant role or activates the relevant payment environment.
Partners, Sellers, Operators, and Employers do not themselves accept payments from End Buyers and do not operate as payment-accepting entities under this Agreement. Provisions of these General Terms that relate to the acceptance, processing, or settlement of payments — including but not limited to obligations concerning transaction conduct, PCI-DSS compliance, Strong Customer Authentication, chargebacks, and terminal security — apply only to Customers holding the Merchant or Marketplace role. The Partner Terms, Seller Terms, Operator Terms, and Employer Terms each set out which further sections of these General Terms do not apply to those roles.
Merchants and Marketplaces accept payments from End Buyers and operate as payment-accepting entities under this Agreement. All provisions of these General Terms apply. The applicable Merchant Terms or Marketplace Terms, together with any relevant Channel Schedules, apply depending on which Dintero Services the Customer has been approved to use.
A Customer may hold one or more of the following roles, each governed by the applicable Supplementary Terms in addition to these General Terms:
(a) Merchant — accepts payments via Dintero for the sale of goods or services to End Buyers;
(b) Marketplace — operates a platform through which Sellers sell to End Buyers and uses Split Payout to distribute funds to Sellers;
(c) Partner — introduces prospective Merchants and Marketplaces to Dintero and, where authorised, assists with onboarding;
(d) Seller — sells goods or services through a Marketplace and receives payouts from Dintero via Split Payout;
(e) Operator — a sub-type of Partner that instructs Dintero on the distribution of reimbursement funds to Reimbursement Recipients on behalf of one or more Employers; and
(f) Employer — pays reimbursement funds to Dintero for disbursement to Reimbursement Recipients via an Operator, and undergoes KYC in that connection.
Where a Customer holds more than one role, the rights and obligations applicable to each role are governed by the relevant Supplementary Terms and are independent of one another. Rights and obligations arising under one role do not affect those arising under another role unless expressly stated.
The payment environments available to the Customer — online, in-person (IPP), payment link, and recurring/MIT — are governed by the applicable Channel Schedules. Each Channel Schedule forms part of this Agreement upon activation of the relevant environment.
Except as expressly required by applicable law, Dintero shall not have any contractual relationship with End Buyers in respect of Transactions. End Buyers shall have no claims against Dintero other than those that cannot be excluded or limited under applicable mandatory law.
In the event of any conflict between the documents comprising this Agreement, the following order of priority shall apply (with the first-listed taking precedence):
(a) Supplementary Terms (including Channel Schedules);
(b) the agreement form;
(c) these General Terms; and
(d) appendices.
This section sets out the rights Dintero may exercise at any time during the term of this Agreement without requiring the Customer’s consent. Dintero will inform the Customer of any exercise of these rights as soon as reasonably practicable.
Instructions issued by Dintero form part of this Agreement and are binding on the Customer. Instructions may be issued via the Backoffice, Dintero’s technical documentation, or in writing by Dintero’s representatives. Failure to comply within the specified timeframe may result in suspension or termination under Clause 9.
Dintero may at any time add, remove, restrict, or modify the Dintero Services or any Payment Method available to the Customer. Dintero may exercise this right where required by applicable law or regulation, where a Scheme Owner, Acquirer, or other payment partner instructs or requires it, or where Dintero deems it necessary based on its assessment of credit risk or compliance exposure.
Applies to: Merchants and Marketplaces only.
Dintero may delay, reduce, or suspend settlement or payouts of the Customer’s Balance, and may require the Customer to provide collateral, where Dintero deems it necessary based on its assessment of credit risk or compliance exposure, or where required by applicable law, regulation, or payment partner. Any funds withheld remain the Customer’s property and will be released once Dintero is satisfied that the relevant risk or requirement has abated. Failure to provide required collateral within the specified timeframe constitutes a ground for suspension or termination under Clause 9.
Applicability note: GT 4 applies in full to Merchants and Marketplaces. For Partners and Sellers, GT 4 is excluded in those roles — see the Partner Terms and Seller Terms. For Operators and Employers, GT 4 is excluded except for GT 4.12 (Safeguarding of Funds), which applies to all roles.
The Agreement governs the relationship between the Customer and Dintero AS (“Dintero”) in respect of Dintero’s provision of payment services to the Customer, including the acquiring of payment transactions and related services (the “Dintero Services”). The Dintero Services fall into two main categories:
(A) Payment acceptance services — enabling the Customer to accept payments from End Buyers, including:
(i) online payments (e-commerce);
(ii) POS payments (in-person, card-present transactions);
(iii) recurring payments;
(iv) payment processing and payment routing;
(v) fraud screening;
(vi) reconciliation and reporting; and
(vii) services to enable the Customer to use one or more Payment Methods, including any other payment services offered by Dintero from time to time.
(B) Settlement services — enabling the beneficial owner of funds to receive their net receivables from sales, and Partners to receive their commission, including:
(i) settlements to Merchants and Marketplaces following clearing and deduction of applicable fees;
(ii) split payment services, whereby Dintero receives funds collected from End Buyers on a Marketplace’s platform and distributes the applicable portions to Sellers, in accordance with the Marketplace Terms and any applicable Split Payout instructions;
(iii) payouts to Sellers, whereby Dintero transfers settlement proceeds to individual Sellers in respect of sales made through the Marketplace’s platform, in accordance with the terms agreed between the Marketplace and each Seller and the applicable Seller Terms; and
(iv) commission payments to Partners, whereby Dintero calculates and pays referral or revenue-share commissions to Partners in accordance with the applicable Partner Terms and any agreed commission schedule.
Dintero shall deliver the Dintero Services in a professional and workmanlike manner, using qualified and competent personnel and maintaining security levels appropriate to the nature of the services provided. Dintero’s commitment to professional delivery does not constitute a warranty of uninterrupted or error-free service, which is addressed separately in Clause 4.3.
Dintero offers several Payment Methods. Dintero may provide and cease its provision of Payment Methods at any time and will keep an updated list on the Dintero Website.
The Customer may only use Payment Methods that have been activated on its Account. A Payment Method may be activated by the Customer or auto-enabled by Dintero. Dintero may auto-enable Payment Methods at any time during the term of this Agreement, subject to advance notification. The Customer may disable any Payment Method at its discretion in the Backoffice or by contacting Dintero’s support.
Dintero’s right to restrict or remove a specific Payment Method is set out in Clause 3.2.
By using the Payment Methods, the Customer agrees to comply with the applicable Scheme Rules, as set out in Appendix 1, section 3 or as otherwise communicated by Dintero or the relevant Scheme Owner.
Dintero shall use commercially reasonable efforts to keep the Payment Methods available to the Customer but does not warrant complete and uninterrupted availability. The Dintero Services are provided on a best-efforts basis, without any warranty that the services, their functionality, or related infrastructure will be uninterrupted or error-free.
Dintero is entitled to temporarily disable a Payment Method for maintenance purposes. To the extent reasonably practicable, such maintenance will be performed during off-peak hours and communicated to the Customer in advance. The Customer may monitor service status and subscribe to incident notifications at https://status.dintero.com.
Dintero may modify a Payment Method at any time and is not required to maintain, modify, or add specific properties or functions, whether generally or specifically for the Customer.
Dintero is not liable for loss or damage arising from Transactions that have been tampered with or unlawfully modified before or during their transmission from the Customer’s Store to Dintero’s systems.
Applies to: Merchants and Marketplaces only.
Where a Payment Method supports both Authorization and Capture, the Customer must perform Capture upon, or promptly following, delivery of the relevant goods or services to the End Buyer, in accordance with this Agreement and applicable Scheme Rules, and in any event no later than two (2) calendar days after Authorization unless the relevant Scheme Rules expressly permit a longer period. Authorization alone does not constitute a right to receive payment and does not trigger settlement.
Applies to: Merchants and Marketplaces only.
Auto-capture is permitted only where the goods or services are delivered to the End Buyer simultaneously with or immediately following the payment, such as in-person transactions, digital goods, or services rendered at the point of sale. Auto-capture is not permitted for physical goods that require picking, packing, dispatch, or delivery after the transaction. The Customer is solely responsible for configuring its integration correctly. Use of auto-capture in breach of this clause constitutes a breach of this Agreement.
Applies to: Merchants and Marketplaces only. Settlement to Sellers and commission payments to Partners are governed by the applicable Seller Terms and Partner Terms respectively.
4.6.1 General settlement services
Dintero will make payouts of the Customer’s Balance at the standard settlement frequency as communicated by Dintero, unless otherwise agreed. The Customer may change the settlement frequency in the Backoffice, subject to availability and potential approval from Dintero, and any applicable fees. Settlement times may be subject to delays in connection with public holidays.
Where Dintero applies a minimum payout threshold, Dintero will only make a payout where the Customer’s Balance exceeds that threshold. Any applicable threshold will be published in the Backoffice.
4.6.2 Settlement delays
Dintero’s right to delay settlement is set out in Clause 3.3.
Following termination of this Agreement by either Party, Dintero may, at its discretion, delay the final payout of the Customer’s Balance in full or in part until: (i) the period during which Transactions may be subject to Chargebacks, Refunds, or other reversals has expired; (ii) Dintero has established that no Chargeback, Refund, reversal, or open dispute with an End Buyer is pending or reasonably anticipated; and (iii) all costs, fees, fines, and other amounts owed by the Customer under this Agreement — including amounts arising under applicable Scheme Rules or imposed by Scheme Owners or Acquirers — have been settled in full.
In the exceptional case that Dintero is unable to perform a payout of the Balance to the Customer’s Payout Destination for any reason, Dintero reserves the right to transfer such funds to its own accounts within one (1) year after its final written notice to the Customer. In such event, the Customer may file a request to retrieve such funds within five (5) years of the closing of the Account by sending an email to support@dintero.com.
Applies to: Merchants and Marketplaces only.
The Customer may only process a Refund for a Transaction that was originally processed through the Dintero Services.
All Refunds must, where supported by the applicable Payment Method, be returned to the same payment instrument used by the End Buyer for the original Transaction. Where a refund to the original instrument is not supported by the Payment Method or is otherwise technically impossible, the Customer must contact Dintero before processing the Refund by any other means.
A Refund may not be directed to a different person, a different payment instrument, or paid out in cash, regardless of the circumstances. Purchases made by cash or by payment instruments not provisioned by Dintero may not be refunded through the Dintero Services.
A Refund may not exceed the value of the original Transaction.
Applies to: Customers operating as a collecting party on behalf of Sellers.
Dintero offers Split Payout functionality for Customers that collect payments on behalf of others without being the beneficial owner of the underlying receivables. Dintero distributes the proceeds to the beneficial owners of the sales — the Sellers — net of applicable costs, in accordance with the commercial agreement between the Customer and each Seller.
Dintero may offer the Customer the ability to receive payments from End Buyers in different currencies. Where the Customer uses this option, Dintero converts the payments into an amount in the Customer’s main settlement currency, or such other currency as agreed. The amount is calculated by Dintero per individual payment on the basis of the buying rate plus a mark-up of two (2) percent, unless otherwise agreed or set out in Dintero’s prevailing price list.
Chargebacks and Refunds will be converted into the currency used by the End Buyer for the original payment. The End Buyer will always receive the full amount.
Dintero may offer the Customer the ability to have funds settled in the same currency in which payment was accepted from an End Buyer. To use this functionality, the Customer must provide Dintero with a Payout Destination for each currency for which settlement is requested. Dintero may add or remove currencies at any time, subject to one (1) month’s notice.
The Customer must comply with measures Dintero requires to prevent fraud and ensure compliance with this Agreement.
Dintero may provide the Customer with fraud screening for card Transactions and an additional “Acceptance & Risk” service that enables the Customer to customise fraud protection settings. This service does not guarantee the prevention of fraudulent Transactions or protection against resulting Chargebacks. The Customer is ultimately responsible for the Transactions it accepts.
Dintero reserves the right, without prior notice, to add, change, and/or remove fraud screening rules, scoring values, and thresholds.
Dintero shall safeguard the funds received on the Customer’s behalf in accordance with applicable payment services legislation. Funds held by Dintero on the Customer’s behalf are not deposits and are not covered under any deposit guarantee scheme.
No interest accrues on funds held in Dintero’s safeguarding accounts. The Customer is not entitled to any return on safeguarded funds, regardless of the duration for which the funds are held.
4.13.1 Dintero as Acquirer
Dintero acts as the Customer’s Acquirer unless: (i) Dintero refers the Customer to a third-party acquirer with which the Customer separately enters into a card acquiring agreement; or (ii) Dintero operates as a payment facilitator under a master merchant agreement with an external acquirer. If Dintero acts as the Customer’s Acquirer, Dintero processes Transactions through its own infrastructure and credits the Customer’s Balance in accordance with Clause 4.6. All Customers of Dintero’s acquiring services are also customers of Dintero’s processing services, and the provisions of this clause and the applicable Channel Schedules apply to both functions.
4.13.2 Dintero as card processor only
If the Customer has a separate agreement with a third-party Acquirer, Dintero only routes the Customer’s card Transactions to that Acquirer through its gateway. In this case, the Customer is responsible for its agreement with that Acquirer, and settlement is governed by that agreement — not by Clause 4.6. Where the Customer’s Acquirer pays settlement proceeds directly to the Customer, Dintero has no settlement obligation in respect of those Transactions.
4.14.1 Standard support. Dintero provides customer support during standard business hours: Monday to Friday, 09:00–16:00 local Norwegian time, excluding Norwegian public holidays. Support is available via Dintero’s support portal and by email. Standard support is included in the Agreement at no additional cost.
4.14.2 Extended support. Where agreed in writing and set out in the Customer’s pricing schedule, Dintero may provide support outside standard business hours, including extended daytime coverage or 24/7 support. Extended support is subject to additional fees as set out in the pricing schedule.
4.14.3 Scope. Dintero’s support covers the Dintero platform and services. Support for third-party payment methods, hardware supplied by third parties, or the Customer’s own systems and integrations is outside the scope of Dintero’s support obligation. Terminal-specific support is governed by Schedule S.
Applicability note: GT 5 applies to Merchants, Marketplaces, Partners, and Operators. GT 5 does not apply to Sellers (who do not hold a Dintero Account — see Seller Terms) or Employers (who do not hold a Dintero Account or Backoffice access — see Employer Terms).
To use the Dintero Services, the Customer must register an Account. The Customer warrants that all information provided to Dintero is accurate, complete, and truthful, and must update it without delay upon any change.
Dintero may at any time request additional information. The Customer must provide it without delay.
After registration, Dintero verifies the Customer’s identity and assesses risk before making the Dintero Services fully available. Dintero may request financial statements, invoices, permits, or other documentation as part of this process.
The verification at onboarding is scoped to the role or roles the Customer applies for. Where a Customer activates additional roles or services later, Dintero will carry out a supplementary assessment before activating them.
The Customer gives Dintero and any relevant Financial Institution permission to retrieve information about the Customer and make it available to third parties for creditworthiness and risk assessment purposes.
Until the Customer has been accepted for full access, no payouts will be made. Dintero will nevertheless receive payments on the Customer’s behalf upon registration. If Dintero declines to provide full access due to regulatory restrictions, Dintero may not be able to pay out the received funds.
By registering persons to operate the Account, the Customer authorises such persons to act on the Customer’s behalf in relation to the Account.
Usernames, passwords, and other credentials connected to the Account are strictly personal and may not be shared. The Customer is responsible for any damage or loss arising from misuse of credentials and must inform Dintero without delay of any loss, theft, or misuse.
Applies to: Merchants and Marketplaces only.
The Customer must register all Stores using the Dintero Services. The Customer may not use unregistered Stores or process Transactions under a different Store’s profile.
For each website or app, the Customer must register the trading name under which it does business. Dintero is not responsible for End Buyers failing to recognise the trading name on their account statements.
The Customer must designate at least one Account administrator responsible for managing user access to the Backoffice. The Customer must ensure that only authorised individuals hold access credentials and that access is promptly revoked when no longer required.
The Customer must notify Dintero without delay if it suspects unauthorised access to the Backoffice or Account credentials. The Customer is responsible for any loss or liability resulting from its failure to maintain adequate access controls.
Notes entered in the Backoffice must be factual and must not contain offensive, defamatory, or unlawful content. Dintero may immediately suspend access for any user who violates this requirement.
Dintero may request KYC information at any time during the term. The Customer must report any material changes — including changes to ownership, ultimate beneficial ownership, or business activities — without undue delay.
Dintero may obtain and use information from official and publicly available sources — including business registers, ownership registers, sanctions lists, and credit information providers — for KYC, monitoring, and risk assessment purposes.
The Customer must notify Dintero without delay if the Customer, any ultimate beneficial owner, director, or officer becomes a PEP or is listed on a sanctions list administered by the UN Security Council, the EU, OFAC, or any other applicable authority.
For sole proprietors (ENK) and general partnerships (ANS or DA), and in respect of any ultimate beneficial owner, credit assessments may also be carried out — see section 6.4.
The Customer must notify Dintero in writing before implementing any change to:
(a) the Customer’s role or customer type under this Agreement;
(b) the Customer’s business model or accounting principles;
(c) the products or services sold through the Dintero Services; or
(d) the technical integration method used to connect to the Dintero Services.
The Customer may not process payments in connection with any such change until Dintero has confirmed its acceptance in writing where required. Failure to notify in advance constitutes a material breach of this Agreement.
Where a Customer wishes to activate an additional role, Dintero may require a new application and a supplementary KYC and risk assessment before activation.
The Customer must use the Dintero Services only for goods and services approved by Dintero at registration or subsequently approved in writing. The Customer must not, directly or through any third party, engage in or facilitate any activity listed in Appendix 1 (Prohibited Activities). Dintero may, with thirty (30) days’ written notice, update the list of Prohibited Activities and may decline goods or services not explicitly listed but which, in Dintero’s assessment, pose an unacceptable risk.
The Customer must hold all licences and authorisations required by applicable law to operate its business and use the Dintero Services in each jurisdiction in which it operates. The Customer must comply with all applicable laws and regulations, Scheme Rules, and the terms of this Agreement, and must promptly notify Dintero if any required authorisation is revoked or suspended, or if the Customer becomes subject to any investigation, sanction, or regulatory action relevant to its use of Dintero’s payment services.
The Customer must not use, and must not permit or facilitate others to use, the Dintero Services in connection with fraud, money laundering, terrorist financing, sanctions evasion, tax evasion, bribery, or any other illegal activity. The Customer must actively monitor its own operations and, where applicable, its platform and its Sellers, for signs of misuse of the payment system, and must promptly report any known or suspected misuse to Dintero and cooperate fully in any resulting investigation.
Where the Customer is a sole proprietor (ENK) or a general partnership (ANS or DA), the owner or partners are personally liable for the Customer’s obligations. In addition, Dintero may carry out a credit assessment of any ultimate beneficial owner (UBO) of the Customer, regardless of legal form.
Dintero may conduct such credit assessments at onboarding and on an ongoing basis as part of its periodic due diligence. The Customer, by accepting these terms, consents on behalf of itself and its owner(s), partners, and UBOs to Dintero conducting such credit assessments. Notification of a credit inquiry is provided by the credit information provider in accordance with applicable law.
An adverse credit assessment may affect the Customer’s access to the Dintero Services, payout terms, or reserve requirements. Dintero will inform the Customer of any resulting change to its terms.
Applicability note: GT 7 applies to Merchants and Marketplaces. For Partners, commission and revenue-share are governed by the Partner Terms. For Sellers, settlement deductions are governed by the Seller Terms. For Employers, invoicing is governed by the Employer Terms and fees are not deducted from a Balance. For Operators, see the Operator Terms for fee notice provisions.
The fees applicable for the Customer’s use of the Dintero Services are set out in the pricing list included in Appendix [●] or as otherwise agreed between the Parties. Updated fees are available on the Dintero Website or, where Dintero has agreed on customised pricing, in the Backoffice.
Pass-Through Fees may be adjusted automatically to reflect changes in costs imposed by third parties.
All fees are exclusive of VAT and other government charges, unless explicitly stated otherwise. The Customer is solely responsible for determining what taxes apply in connection with its use of the Dintero Services, and for assessing, collecting, reporting, and remitting taxes to the appropriate tax authorities. If Dintero is required to withhold any taxes, Dintero may deduct such taxes from the Customer’s Balance and pay them to the appropriate tax authority.
Dintero does not negotiate on fees with third parties acting on the Customer’s behalf.
Dintero will deduct fees from the Customer’s Balance. If the Customer does not have sufficient Balance to cover the fees due, Dintero may collect the outstanding amount by invoice or by requiring the Customer to top up the Balance via the Backoffice.
Dintero is entitled to adjust its fees unilaterally. Changes in fees set by Scheme Owners take effect immediately and automatically. If a change constitutes an increase in fees set by Dintero, Dintero shall notify the Customer by email or via the Backoffice at least three (3) months before the new fees take effect.
If a change constitutes an increase in fees, the Customer has the right to terminate this Agreement as of the date on which the new fees take effect, provided that notice of termination is given in writing within one (1) month of receiving the notice of increased fees. If the Customer does not terminate this Agreement within this period, the fee increase will take effect as notified.
The Customer agrees that Dintero may, and hereby authorises Dintero to, set off any amounts the Customer owes to Dintero (including, without limitation, Chargebacks, fines, and fees) against the Customer’s Balance or any provided guarantee, upon fourteen (14) days’ prior notice by Dintero.
Dintero may also set off amounts owed by the Customer against the Balance of another Account held by a different legal entity, where one or more of the ultimate beneficial owners of both entities are the same person.
If Dintero is unable to collect outstanding amounts by way of set-off, the Customer must pay Dintero the full amount immediately upon request.
Any amount not paid by the Customer by the due date will accrue interest at the Norwegian statutory default interest rate (forsinkelsesrente) as applicable from time to time, calculated from the due date until the date of full payment. Dintero also reserves the right to charge a reasonable fee for issuing written payment reminders.
Where Dintero has credited an amount to the Customer’s Balance as a result of a technical error, duplicate processing, system fault, or any other form of incorrect or unintended payment, the Customer must repay that amount to Dintero within a reasonable time after Dintero notifies the Customer of the error. Dintero may recover such amounts by set-off against the Balance or by issuing an invoice in accordance with Clause 7.2. The Customer’s obligation to repay correctly credited amounts is not subject to any set-off or counterclaim.
Dintero’s right to require collateral and modify payouts is set out in Clause 3.3.
This Agreement shall be deemed concluded only when the Customer and Dintero have agreed to it. Conclusion of this Agreement is conditional upon Dintero completing any KYC controls necessary to comply with anti-money laundering, anti-terrorism, financial services, and other applicable regulations.
The Agreement, and any ancillary agreements, amendments, or related services, may be entered into and agreed upon electronically. Electronic acceptance (including through click-through or other electronic consent mechanisms) shall constitute a valid and legally binding signature with the same legal effect as a handwritten signature.
Dintero may amend this Agreement at any time by publishing the updated version in the Backoffice or on the Dintero Website. Dintero will additionally notify the Customer by email or via the Backoffice. Unless an earlier or later effective date is specified, an amendment takes effect thirty (30) calendar days after publication.
Continued use of the Dintero Services after the effective date constitutes the Customer’s acceptance of the amended terms. If the Customer does not accept an amendment, the Customer must terminate this Agreement in accordance with Clause 9.2 before the effective date.
Dintero may amend this Agreement with immediate effect to the extent necessary to comply with applicable laws, regulations, or requirements of Scheme Owners, Financial Institutions, or regulatory authorities.
This clause applies to business customers only. Amendments affecting Sellers who are consumers are governed by the applicable Seller Terms.
The Agreement applies from the date on which it is entered into until terminated by either Party in accordance with this Clause 9.
The Customer may terminate this Agreement with at least three (3) calendar months’ prior written notice, or as otherwise stipulated in the applicable Supplementary Terms.
Dintero may terminate this Agreement with at least three (3) calendar months’ prior written notice, or as otherwise stipulated in the applicable Supplementary Terms.
Dintero may terminate this Agreement with one (1) calendar month’s prior written notice where:
(a) no Transactions have been processed on the Customer’s behalf within the first twelve (12) months after execution of this Agreement, or the Customer has had no sales activity for a continuous period of three (3) months at any point during the term of this Agreement.
Applies to: Merchants and Marketplaces only.
The Customer shall notify Dintero without undue delay if it anticipates a period of inactivity (no sales). Failure to do so may result in Dintero conducting a reassessment of the Customer’s risk profile, which may lead to changes to the Customer’s payout terms, restrictions on refunds, or the blocking of reversals, until the Customer’s status and intentions have been clarified to Dintero’s reasonable satisfaction.
Where a Merchant or Marketplace becomes inactive (no sales activity for a continuous period of three (3) months), Dintero may delay or withhold settlement of any remaining Balance pending an assessment of the Customer’s credit risk exposure. The purpose of this delay is to calculate the expected level of chargebacks, refunds, and other reversals that may arise from transactions processed prior to the inactivity, taking into account the applicable scheme chargeback windows.
The delay period shall not exceed one hundred and eighty (180) days from the date of the last processed transaction, unless a specific chargeback, dispute, or legal or regulatory proceeding is outstanding at the end of that period, in which case settlement may be withheld until that matter is resolved. Dintero shall notify the Customer of the commencement of a payout delay and shall release funds, in whole or in part, as the corresponding exposure is resolved to Dintero’s reasonable satisfaction.
Dintero may terminate this Agreement immediately and without prior notice where any of the following apply:
(a) the Customer fails to pay any fees due within thirty (30) days after receipt of written notice;
(b) Dintero reasonably determines, based on objective criteria communicated to the Customer, that the Customer, a Seller, or any related person is engaged in fraud, money laundering, terrorist financing, or other serious criminal activity;
(c) the Customer’s activities, or the goods or services it (or a Seller) offers or provides, are unlawful in the country of supply, the country of sale, or Norway;
(d) the Customer materially changes the nature of its business, goods, or services without Dintero’s prior written consent;
(e) the Customer or a related person conducts hacking, phishing, unauthorised penetration, or other attacks on the systems or networks of Dintero, Financial Institutions, Intermediaries, suppliers, or third parties;
(f) the Customer or a Seller collects payments without a legally valid contract with the End Buyer, deliberately misleads End Buyers or other relevant parties, or otherwise acts in bad faith in its relationship with End Buyers;
(g) the Customer fails to implement or maintain an adequate operating model to handle End Buyer complaints and disputes;
(h) the Customer or a Seller materially breaches applicable Scheme Rules, PCI-DSS, or PA-DSS requirements;
(i) the Customer uses Personal Data in violation of the GDPR or fails to provide End Buyers with the information required by the GDPR;
(j) the Customer is likely to become insolvent, is declared bankrupt, is granted a moratorium on payment, discontinues business activities, or is liquidated;
(k) a change of control or change in beneficial ownership of the Customer occurs and Dintero notifies the Customer in writing within thirty (30) calendar days of being informed of the change that it does not accept the new controlling party, provided such non-acceptance is not unreasonably exercised. The Customer shall notify Dintero in writing without undue delay upon becoming aware of an impending or completed change of control;
(l) an Acquirer, card scheme, payment network, or other payment partner instructs or requires Dintero to terminate its agreement with the Customer; or
(m) the Customer commits a material breach of any term of this Agreement.
Upon the occurrence of any of the grounds for immediate termination set out in Clause 9.3, Dintero may choose to suspend the Customer’s Account instead of terminating this Agreement. Suspension may include, but is not limited to, the withholding of settlements and the blocking of Transactions.
Dintero may also suspend the Account where:
(a) Dintero reasonably believes immediate action is necessary to prevent loss, legal exposure, or reputational harm;
(b) the Customer fails to keep Account information up to date or fails to provide information reasonably requested by Dintero promptly upon first request;
(c) the Customer engages in conduct that damages the interests or Brands of Dintero or any Payment Method;
(d) Dintero reasonably suspects that the Customer is accepting payments for activities prohibited under this Agreement; or
(e) Dintero reasonably suspects that the Customer is otherwise in breach of this Agreement.
Suspension may remain in effect until the underlying issue is resolved to Dintero’s reasonable satisfaction and may be subject to conditions for reinstatement. Dintero will notify the Customer of any suspension where reasonably practicable.
Either Party may terminate this Agreement in respect of a specific Store, Payment Method, Channel Schedule, or service component without terminating this Agreement in its entirety, provided that notice is given in accordance with the applicable termination provisions. Where this Agreement is terminated in part, the remaining provisions of this Agreement continue in full force and effect with respect to all other Stores, Payment Methods, and services.
Dintero may exercise the right of partial termination — including immediate partial termination — where the grounds for termination under Clause 9.3 apply to a specific Store or business area rather than to the Customer’s activities as a whole.
Applies to: Merchants and Marketplaces only.
Card schemes and Acquirers monitor Customers’ fraud and dispute levels on a monthly basis against thresholds defined in the applicable Scheme Rules. Where a Customer’s fraud rate or dispute rate exceeds the relevant threshold:
(a) the Customer may be classified as a high-risk or excessive-chargeback merchant by the relevant Scheme Owner or Acquirer;
(b) the Customer may be subject to additional fees, fines, or monitoring programmes imposed by the Scheme Owner or Acquirer, which shall be passed through to the Customer as Pass-Through Fees; and
(c) persistent breach of scheme thresholds may result in suspension or termination of the Customer’s access to the relevant Payment Method.
Dintero will inform the Customer of any high-risk classification it becomes aware of. The Customer shall take prompt remedial action and cooperate with any monitoring programme imposed by the Scheme Owner or Acquirer.
Upon request from a Customer holding the Merchant or Marketplace role, Dintero will provide a report showing the Customer’s current fraud and chargeback ratios and transaction volumes, measured against the applicable Visa and Mastercard thresholds in force at the time of the request. This report is intended to help the Customer monitor its own position and take action before scheme thresholds are breached.
Upon termination of this Agreement, the obligations of each Party shall cease, save as otherwise provided in this Agreement. Notwithstanding termination, the Customer remains liable for any Chargebacks that may occur after termination. Dintero may, at its discretion, require the Customer to maintain an adequate Balance or provide a guarantee until the risk of Chargebacks has expired.
Where this Agreement is terminated for cause — including but not limited to fraud, material breach of Scheme Rules, or activity in breach of Clause 9.3 — Dintero may be required under applicable Scheme Rules to register the Customer in one or more scheme databases used to identify high-risk or terminated merchants (such as the Mastercard MATCH database or equivalent). The Customer acknowledges that such registration may affect the Customer’s ability to accept card payments through other payment service providers and that Dintero bears no liability for the consequences of a registration made in compliance with its scheme obligations.
10.1 Each Party shall treat all information about the other Party and its affiliates as confidential. The obligation of confidentiality shall not apply where: (i) otherwise agreed in writing; (ii) law, regulation, or a public authority decision requires a Party to disclose information; or (iii) the information is generally known and available in the market and this is not due to a breach by the other Party.
10.2 As a derogation from the above, Dintero may, for the purpose of registration, verification, and ongoing monitoring of the Customer or a Seller, share information (including Personal Data of legal representatives and ultimate beneficial owners) with its affiliates, Financial Institutions, and Intermediaries. This includes:
(a) Transaction information, to enable Dintero, its affiliates, and Financial Institutions to comply with statutory requirements;
(b) information for the management and maintenance of the Dintero Services;
(c) information enabling Dintero to record, update, or improve the Dintero Services; and
(d) information that Dintero needs for risk management purposes.
Dintero may also disclose information where required by an agreement with an Intermediary or Financial Institution, or in the event of (or suspicion of) fraudulent use of a Payment Method.
10.3 The duty of confidentiality shall continue to apply for five (5) years after the termination of this Agreement.
11.1 The Agreement does not entail the transfer of any intellectual property rights, including copyrights, trademark rights, domain names, patent rights, design rights, database rights, or any other intellectual property rights in relation to the Dintero Services or related items.
11.2 The Customer will have a non-exclusive, non-transferable right to use the Dintero Services, including the Backoffice, for the duration of this Agreement. This right of use does not grant the Customer any right to make modifications to or copies of Dintero’s Backoffice or other proprietary systems.
11.3 Payment Method brand assets. Where Dintero or a Scheme Owner provides the Customer with logos, marks, or other brand assets for Payment Methods (including but not limited to Visa, Mastercard, Vipps, and other payment brands), the Customer:
(a) may display those assets solely for the purpose of indicating to End Buyers which Payment Methods are accepted at the Customer’s Stores;
(b) shall follow the brand guidelines issued by Dintero or the relevant Scheme Owner from time to time, including in respect of size, placement, colour, and context of use;
(c) shall not modify, distort, or combine the assets with other marks in a manner not permitted by the applicable brand guidelines;
(d) shall cease using the assets promptly upon termination of this Agreement or upon withdrawal of the relevant Payment Method from the Customer’s Account; and
(e) shall not use the assets in any manner that implies sponsorship, endorsement, or affiliation beyond the acceptance of the relevant Payment Method.
11.4 No disparagement. The Customer shall not make or publish any statement — whether in advertising, public communications, social media, or otherwise — that criticises, misrepresents, or is reasonably likely to damage the reputation of Dintero, any Payment Method, or any Scheme Owner.
11.5 Mutual brand use. The Parties may use each other’s name and logo for the purpose of referring to the commercial relationship between them, including on their respective websites and digital platforms, unless one Party notifies the other in writing to the contrary. Any use that goes beyond general reference to the commercial relationship — including use in advertising campaigns, press releases, or co-branded materials — requires the other Party’s prior written consent.
Dintero processes Personal Data as an independent controller in connection with the provision of the Dintero Services, compliance with statutory obligations, fraud prevention, and the operation of its platform. Dintero’s processing activities, legal bases, data categories, data subject rights, and retention practices are set out in Dintero’s Privacy Policy, available at dintero.com/legal/privacy-policy.
Dintero’s use of cookies is governed by Dintero’s Cookie Policy, available at dintero.com/legal/cookies.
Where Dintero processes Personal Data on the Customer’s behalf as a data processor under Article 28 of the GDPR, the processing is governed by Dintero’s Data Processing Agreement (DPA), available at dintero.com/legal/dpa and incorporated into these General Terms by reference. By entering into these General Terms, the Customer accepts the DPA.
The DPA applies to Customers in the Merchant, Marketplace, and Operator roles. Sellers and Partners are not subject to the DPA, as they are not controllers in respect of the End Buyer Personal Data that Dintero processes as a processor.
Applies to: Merchants and Marketplaces only.
The Customer is the controller in respect of Personal Data relating to its End Buyers and shall:
(a) ensure it has a valid legal basis for transmitting End Buyer Personal Data to Dintero; and
(b) inform End Buyers of Dintero’s processing of their Personal Data, including by directing End Buyers to Dintero’s Privacy Policy at dintero.com/legal/privacy-policy.
The Customer shall notify Dintero without delay, and in no event later than forty-eight (48) hours after discovery, of any suspected or confirmed data breach at the Customer involving payment data. Dintero or a Financial Institution may request additional information on such breach, which the Customer shall provide without delay.
Applies to: Merchants and Marketplaces only.
Cardholder data — including the primary account number (PAN), cardholder name, and expiry date — constitutes personal data within the meaning of the GDPR. Compliance with PCI-DSS in respect of cardholder data forms part of the Customer’s obligations under Article 32 of the GDPR to implement appropriate technical and organisational measures to protect personal data. An Account Data Compromise may simultaneously trigger data breach notification obligations under Article 33 of the GDPR toward the relevant supervisory authority and notification requirements toward Dintero, Acquirers, and Scheme Owners under applicable Scheme Rules.
(a) Dintero’s compliance. Dintero maintains compliance with the Payment Card Industry Data Security Standard (PCI-DSS) as applicable to its role as a payment service provider, including with respect to card data that Dintero stores, processes, or transmits through its systems. On reasonable written request, and no more than once per twelve (12) month period, Dintero will provide the Customer with a copy of its current Attestation of Compliance (AoC) or equivalent documentation, subject to the Customer agreeing to keep such documentation strictly confidential.
(b) Independent responsibility. Dintero is independently responsible for its own PCI-DSS obligations and does not rely on the Customer to fulfil any of them. The Customer is independently responsible for its own PCI-DSS obligations and does not rely on Dintero to fulfil any of them.
(c) Customer’s compliance. The Customer shall comply with PCI-DSS, as published on www.pcisecuritystandards.org, in respect of its own systems, its integration with the Dintero Services, and any card data the Customer handles. The Customer shall only use suppliers that comply with PCI-DSS for the storage, processing, and transmission of card data. Upon Dintero’s request, the Customer shall provide documentation demonstrating compliance within a reasonable time.
(d) No card data on Customer systems. The Customer shall not store or transmit any card data — including the primary account number (PAN), card security code (CVV/CVC), full magnetic-stripe or chip data, or PIN — under any circumstances. If Dintero discovers that the Customer is storing or transmitting card data, Dintero may immediately suspend the Customer’s use of the Dintero Services.
(e) Reporting obligations. The Customer shall notify Dintero without undue delay of any actual or suspected: (i) breach involving card data; (ii) fraudulent use of card data; or (iii) non-compliance with PCI-DSS or with the regulatory technical standards under PSD2 (RTS). The notice shall describe the measures the Customer has taken or intends to take to remedy the issue.
(f) Liability for Account Data Compromise. Regardless of the Customer’s PCI-DSS compliance status, the Customer will be liable for any Account Data Compromise that occurs as a result of its actions or omissions, including the actions or omissions of its suppliers. The Customer will also be liable for any costs incurred by Dintero or an Intermediary in relation to investigations following an Account Data Compromise attributable to the Customer.
The Customer shall indemnify and hold harmless Dintero, its affiliates, and their respective officers, directors, and employees from and against any and all third-party claims — including claims from End Buyers, Sellers, Financial Institutions, Scheme Owners, regulators, and Intermediaries — as well as all costs reasonably incurred in connection with such claims arising from or in connection with:
(a) the Customer’s (or a Seller’s) misuse of the Dintero Services;
(b) defects in the website, POS, or in the goods or services provided by the Customer (or a Seller);
(c) non-compliance by the Customer with obligations arising from this Agreement, applicable Scheme Rules, and/or applicable laws and regulations, including the GDPR;
(d) any fines or fees charged by a Financial Institution, Scheme Owner, or Intermediary in relation to the Customer’s Account or activities; and
(e) non-compliance and/or unlawful acts by the Customer (or a Seller) with respect to End Buyers and/or third parties.
The Customer must notify Dintero in writing of any claim and give Dintero a reasonable opportunity and period to propose and implement an appropriate remedy before asserting any liability. Any claim against Dintero must be brought in writing within three (3) months after the Customer became aware of the incident giving rise to the claim, unless Dintero has acknowledged the claim in writing. Claims not brought within this period shall be forfeited.
Dintero shall be liable only for direct, reasonably foreseeable monetary loss caused by Dintero’s breach of its obligations under this Agreement. Dintero shall not be liable for indirect or consequential losses, including but not limited to loss of goodwill, lost profits, lost investment opportunities, lost savings, or any other form of indirect loss.
If Dintero is liable to the Customer, Dintero’s aggregate liability shall be limited to an amount equal to Dintero’s own service fees (exclusive of VAT and excluding Pass-Through Fees) paid by the Customer to Dintero under this Agreement in the six (6) months immediately preceding the event giving rise to the claim. If this Agreement has been in effect for less than six (6) months, the cap shall be the total such fees paid since commencement.
Notwithstanding the foregoing, and to the extent not prohibited by applicable law, Dintero’s liability per incident shall in no event exceed EUR 10,000 (ten thousand euros). A series of related or continuous incidents shall be treated as a single incident.
No Party shall be liable for any failure to perform its obligations under this Agreement to the extent that such failure is caused by Force Majeure. Force Majeure may include, but is not limited to:
(a) war, fire, and natural disasters;
(b) labour disputes and strikes;
(c) power outages;
(d) epidemics and pandemics;
(e) changes to government rules, regulations, or requirements;
(f) embargoes and sanctions;
(g) non-performance by suppliers, Financial Institutions, and/or subcontractors;
(h) unavailability of the systems of Financial Institutions and/or telecommunication services;
(i) unauthorised penetration or use of the systems, networks, and databases belonging to Dintero, its affiliates, the Customer, Intermediaries, and/or Financial Institutions;
(j) failure or unavailability of cloud computing, hosting, or API-based services provided by third-party suppliers; and
(k) defective or otherwise improper work performed on such systems by any party other than the affected Party.
Force Majeure shall not relieve a Party of liability where it should reasonably have foreseen the relevant circumstances or could have avoided or overcome the consequences thereof by taking commercially reasonable measures.
Both Parties may terminate this Agreement if a Force Majeure event lasts longer than sixty (60) calendar days.
Unless otherwise specified in this Agreement, any notice required or permitted under this Agreement shall be given in writing and delivered by email, registered post, or courier to the addresses notified by the Parties.
A notice shall be deemed to have been received:
(a) if sent by letter or registered post: three (3) Banking Days after the date of dispatch to the recipient’s last known address;
(b) if sent by email: on the next Banking Day after the date of transmission, provided no delivery failure notification is received by the sender; and
(c) if sent via the Backoffice: on the next Banking Day after the date of publication.
Where a Party changes its address or email for notices, it must promptly notify the other Party in writing. Notices sent to the last address known to the sender before receipt of a change notification shall be deemed validly served.
All provisions of the Norwegian Act on Financial Contracts of 18 December 2020 (finansavtaleloven) are waived and shall not apply to the extent permitted by Section 1-9 of that Act.
The Parties’ rights under this Agreement shall not require the approval of any third party.
Dintero has the right to transfer this Agreement in whole or in part to another company in the same corporate group as Dintero.
The Customer may not assign or transfer any of its rights or obligations under this Agreement without Dintero’s prior written consent.
Without Dintero’s prior written consent, any claim that the Customer has on Dintero by virtue of a positive Balance may not be transferred, assigned, charged, or pledged to a third party. Any attempt to transfer or pledge such a claim without Dintero’s consent shall be void. This consent requirement shall not apply where Dintero or the Customer’s principal bank is the counterparty to such transfer, assignment, charge, or pledge.
If any provision of this Agreement is held invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary, or if not possible, severed, without affecting the remaining provisions.
The Agreement shall exclusively be governed by and construed in accordance with Norwegian law. Any dispute shall be finally settled by Norwegian courts, with Oslo District Court as the agreed legal venue.
Dintero has the right to outsource any of its services or obligations under this Agreement to its affiliates or to third-party service providers. Dintero shall remain responsible for the performance of its obligations under this Agreement, irrespective of any such outsourcing.
Amendments to this Agreement are governed by Clause 8.2.
This appendix sets out the activities, goods, and services in connection with which Dintero will not provide payment services under any circumstances (Absolutely Prohibited Activities), and those for which Dintero’s prior written approval is required before the Customer may process payments (Restricted Activities).
Capitalised terms have the meanings given in the General Terms. This appendix forms part of this Agreement and is incorporated by reference into Clause 6.3 of the General Terms.
Dintero may update this appendix with thirty (30) days’ written notice in accordance with Clause 6.3 of the General Terms. The version in force at the time of any alleged breach is the version that applies.
The following activities are prohibited under all circumstances. Dintero will not provide payment services to any Customer whose business involves, facilitates, or is associated with any of the following, regardless of whether the activity is legal in the Customer’s jurisdiction.
1.1 Exploitation and illegal content
(a) Any content, goods, or services that sexually exploit minors, including child sexual abuse material (CSAM) in any form;
(b) human trafficking, forced labour, debt bondage, or any other form of modern slavery;
(c) content that promotes, incites, glorifies, or facilitates violence, terrorism, or violent extremism; and
(d) content that promotes hatred or discrimination on the basis of race, ethnicity, religion, gender, sexual orientation, disability, or other protected characteristics.
1.2 Illegal goods and services
(a) Illegal firearms, weapons, ammunition, explosives, or components thereof that cannot be legally sold under applicable law;
(b) illegal drugs, controlled substances, or precursor chemicals not authorised under applicable law;
(c) counterfeit goods, goods infringing third-party intellectual property rights, or goods misrepresenting their origin or authenticity; and
(d) stolen goods or goods obtained through criminal activity.
1.3 Financial crime and fraud
(a) Money laundering, terrorist financing, or any activity connected to financial crime;
(b) fraud schemes, advance-fee fraud, phishing, or any deceptive scheme designed to obtain money or personal data from End Buyers under false pretences;
(c) Ponzi schemes, pyramid schemes, or multi-level marketing arrangements where the primary source of revenue is the recruitment of new participants rather than the sale of legitimate goods or services; and
(d) unlicensed financial services, including unlicensed lending, unlicensed payment processing, and unlicensed investment services.
1.4 Sanctions
Any activity, transaction, or dealing prohibited under applicable sanctions legislation, as further described in Clause 6.9 of the General Terms.
1.5 Dual-use goods
Any sale, transfer, or dealing in dual-use goods as further described in Clause 6.10 of the General Terms.
1.6 Other illegal activities
Any goods, services, or activities that are illegal in the jurisdiction in which they are offered or provided.
1.7 Deceptive terms, marketing, and operating models
The prohibitions in this section apply not only to the nature of the goods or services sold but to the Customer’s entire commercial operation, including:
(a) Buyer-facing terms — terms of sale, cancellation policies, subscription terms, or other contractual terms presented to End Buyers that are misleading, unfair, or unlawful under applicable consumer protection law, or that purport to exclude or limit End Buyer rights that cannot be waived;
(b) Marketing and advertising — marketing, advertising, or commercial communications directed at End Buyers that are false, misleading, or deceptive, including claims about pricing, product quality, availability, endorsements, or the nature of the goods or services offered;
(c) Operating model — business models that rely on deception, hidden charges, bait-and-switch tactics, dark patterns, or any other practice designed to obtain payment from End Buyers through misleading or coercive means; and
(d) Profit model — profit models in which a material portion of revenue is derived from charges, fees, or penalties that were not clearly disclosed to End Buyers before purchase, or from exploiting End Buyers’ inability to cancel, withdraw, or obtain refunds.
Dintero may treat a Customer’s terms of sale, marketing materials, and operating or profit model as part of its assessment of whether a Customer’s activities are acceptable under this appendix and this Agreement. A Customer whose goods or services are not themselves prohibited may nonetheless be declined or suspended where Dintero concludes that the Customer’s terms, marketing, or operating model are deceptive, predatory, or inconsistent with Dintero’s obligations toward card schemes and applicable law.
Approved scope. A Customer may only use the Dintero Services in connection with the goods, services, and business activities that were explicitly approved by Dintero at the time of the Customer’s most recent application or onboarding, or that have been subsequently approved by Dintero in writing. Offering or processing payments for goods or services outside that approved scope — even if those goods or services are not listed as an Absolutely Prohibited Activity — constitutes a breach of this Agreement and may result in immediate suspension or termination under Clause 6.5 of the General Terms. Where a Customer wishes to expand or change its product or service offering, it must notify Dintero and obtain written approval before processing payments in connection with the new or changed offering.
The following categories are examples of activities that carry elevated compliance, legal, or reputational risk and that require Dintero’s prior written approval before the Customer may process payments in connection with them, regardless of whether they fall within the Customer’s existing approved scope. Approval is granted at Dintero’s sole discretion and may be subject to conditions.
In addition to the categories listed above, the Scheme Rules of Visa, Mastercard, and other Scheme Owners designate additional prohibited or restricted merchant category codes (MCCs). Where a Scheme Owner designates a category as prohibited after the date of this appendix, that restriction applies immediately and without the need for Dintero to update this appendix.
A Customer that accepts card payments is solely responsible for:
(a) knowing and complying with all Scheme Rules applicable to its business, including any MCC-specific restrictions, prohibited business practices, and transaction conduct requirements;
(b) monitoring changes to Scheme Rules and updating its practices accordingly — Scheme Rules are published by Scheme Owners and may be updated at any time without notice to Dintero or the Customer;
(c) ensuring that its goods, services, marketing, terms of sale, and transaction practices are at all times consistent with the Scheme Rules of each Payment Method it accepts; and
(d) bearing all consequences — including fines, penalties, increased fees, monitoring programmes, and termination of card acceptance — arising from any breach of Scheme Rules, whether or not the Customer was aware of the relevant rule at the time of the breach.
Dintero provides payment infrastructure and passes through Scheme Owner requirements to the extent known to Dintero. Dintero does not warrant that its instructions, documentation, or notifications cover all applicable Scheme Rules at all times. The Customer may not rely on Dintero’s silence or on the absence of a specific instruction from Dintero as confirmation that a practice is permitted under applicable Scheme Rules.
Dintero may decline to provide, or may suspend, payment services in connection with any activity, good, or service that is not listed in this appendix but that, in Dintero’s reasonable assessment, poses an unacceptable compliance, legal, or reputational risk to Dintero or its payment partners. This includes activities that Dintero’s Acquirers or Scheme Owners decline to support. Dintero is not required to provide reasons for such a decision.
Marketplaces: The Marketplace is responsible for ensuring that no Seller operating through its platform engages in Absolutely Prohibited Activities or Restricted Activities without the required approval. The Marketplace’s liability in this respect is set out in Clause 6.1 of the General Terms and the Marketplace Terms.
Partners: The Partner shall not knowingly introduce to Dintero any prospective Customer engaged in Absolutely Prohibited Activities or Restricted Activities, and shall not assist any Customer in concealing such activities from Dintero. The Partner is not responsible for identifying prohibited activities that were not known and could not reasonably have been known to the Partner at the time of introduction. The Partner’s liability in this respect is set out in Clause 3.6 of the Partner Terms.
