These Merchant Terms apply to any Customer who holds the Merchant role. They supplement the General Terms. Capitalised terms not defined here have the meanings given in the General Terms.
Where a Customer holds more than one role, these Merchant Terms apply only to the rights and obligations arising from the Merchant role. The terms governing any other role held by the same Customer apply independently and remain unaffected by these Merchant Terms unless expressly stated.
General Terms applicability: All sections of the General Terms apply in full to the Merchant role. See the applicability matrix for a cross-role overview.
1.1 Definition. A Merchant is a Customer that uses Dintero’s payment services to accept payments from End Buyers in connection with the sale of goods or services.
1.2 Scope. These Merchant Terms govern the Merchant’s use of Dintero’s payment services across all active payment environments. The specific technical, security, and compliance requirements applicable to each environment are set out in the relevant Channel Schedule, which forms part of these Merchant Terms upon activation.
1.3 Economic and accounting model. The Merchant profits from the direct sale of goods and services to End Buyers. The Merchant is the seller of record and accounts for the full value of each sale in its own financial records and tax reporting. The Merchant is solely responsible for ensuring that its sales are correctly accounted for and reported in accordance with applicable tax laws and accounting standards in each jurisdiction in which it operates, including obligations relating to VAT, income tax, and any other applicable levies. The Merchant must be registered for VAT, or the equivalent consumption or sales tax, in each jurisdiction in which such registration is required by applicable law, and must maintain that registration for the duration of the Agreement.
1.4 Liability for the End Buyer customer journey. The Merchant is solely and fully responsible for the entire experience of End Buyers from first contact through to post-purchase resolution. This responsibility covers the complete customer journey, including:
(a) marketing and advertising — the accuracy, legality, and fairness of all marketing materials, promotions, and commercial communications directed at End Buyers;
(b) product presentation — the accuracy and completeness of product and service descriptions, images, specifications, and any other information presented to End Buyers before purchase;
(c) pricing — the correct display of prices, taxes, fees, and any additional costs, and the accuracy of the total amount charged to the End Buyer;
(d) checkout — the lawfulness and integrity of the checkout process, including consent mechanisms, payment button labelling, and pre-contractual information;
(e) fulfilment — the timely and correct delivery of goods or provision of services in accordance with what was presented to the End Buyer at the time of purchase;
(f) refunds — the processing of refunds in accordance with applicable law, the Merchant’s own refund policy, and the Agreement;
(g) disputes — the resolution of End Buyer disputes, including responding to inquiries, processing claims, and cooperating with any chargeback or regulatory process;
(h) chargeback costs — all costs, fees, and fines arising from chargebacks, regardless of the reason for the chargeback;
(i) support and complaints — the provision of adequate customer support and the handling of End Buyer complaints in a timely and lawful manner; and
(j) terms and conditions — the content, accuracy, and legal compliance of all contractual terms presented to End Buyers, including terms of sale, cancellation rights, and any other pre-contractual or contractual information required by applicable law, and ensuring that those terms correctly reflect the Merchant as the contracting party toward End Buyers.
Dintero bears no liability toward End Buyers in respect of any of the above. The Merchant may not seek contribution or indemnity from Dintero in respect of claims by End Buyers that arise from the Merchant’s own acts, omissions, or failures in the customer journey.
2.1 Activation. Dintero activates payment methods for the Merchant based on the Merchant’s application and the requirements of the relevant Acquirers and Scheme Owners. Dintero may at any time add, modify, or withdraw available payment methods by giving the Merchant thirty (30) days’ notice, or with immediate effect where required by an Acquirer or Scheme Owner.
2.2 Channel Schedules. The payment environments available to the Merchant are governed by the applicable Channel Schedules. Each Channel Schedule sets out the requirements specific to that environment and forms part of these Merchant Terms upon activation.
2.3 Presentation of payment methods. The Merchant shall present all active payment methods to End Buyers in accordance with Dintero’s integration documentation and the applicable Scheme Rules. Where the Merchant offers several payment methods, all shall be presented and available to End Buyers on the payment page and on all other pages referencing a payment method. The Merchant must display the Brand(s) of each payment method as prescribed by the relevant Scheme Owner. The Merchant shall not surcharge, discourage, or otherwise disadvantage any particular payment method unless expressly permitted by applicable law and Scheme Rules.
2.4 Currency. Unless otherwise agreed, settlement is in the currency of the Merchant’s registered country of operation. The Merchant is responsible for any currency conversion costs arising from cross-border transactions.
2.5 Pass-through acquirer terms. Certain payment methods are provided through Acquirers whose terms flow through to the Merchant. A current list of applicable pass-through terms is published in Dintero’s documentation and updated from time to time. By activating a payment method, the Merchant agrees to the applicable pass-through terms for that method.
As set out in the General Terms, Dintero acts as an intermediary between the Merchant and the card schemes, Acquirers, and payment partners whose Payment Methods Dintero makes available. Dintero is itself bound by obligations imposed by those third parties to ensure that merchants using its services comply with applicable payment rules and scheme requirements. The obligations in this section reflect, in part, those pass-through responsibilities, and the Merchant acknowledges that Dintero’s right to impose and enforce these standards arises from Dintero’s own compliance obligations as an intermediary in the payment chain.
3.1 Information requirements and consumer consent.
The obligations in this section are designed to ensure that the Merchant’s relationship with End Buyers fulfils applicable regulatory requirements and respects End Buyer rights. The Merchant’s terms of sale, checkout processes, pricing presentation, consent mechanisms, and all other communications with End Buyers must comply with applicable consumer protection law and distance selling regulations, and must not conflict with any rights End Buyers hold under applicable law or under the rules of the relevant card schemes or payment networks. Where applicable law or scheme rules grant End Buyers more extensive rights than those set out in this section, those rights take precedence and the Merchant shall give effect to them.
(a) General availability. The Merchant shall at all times make the following information available on its website or at its point of sale:
(i) the Merchant’s contact information, consisting of at least the registered address, business registration number, telephone number, and email address;
(ii) a description of the goods and services offered, including prices, taxes, and charges;
(iii) delivery information, including expected delivery times and any applicable delivery charges;
(iv) payment terms, including accepted payment methods;
(v) applicable cancellation and refund policies; and
(vi) where relevant, information on subscriptions, their duration, and the procedure for cancellation.
The information shall be provided in a clear and orderly manner.
(b) Checkout page. Immediately before an End Buyer completes a transaction, the Merchant shall present on the checkout page:
(i) a direct, clearly visible link to the full terms of sale;
(ii) the total price including all taxes, fees, and delivery costs, individually itemised so that VAT, shipping, and any other charges are shown separately;
(iii) a clear statement of the End Buyer’s right of withdrawal under applicable consumer protection law, including a direct link to the standard withdrawal form (angrerettskjema) where required by law;
(iv) any material restrictions or conditions — including no-refund policies, restocking fees, “final sale” designations, or notices that digital content delivery commences immediately and the right of withdrawal is thereby waived — displayed prominently on the checkout page and not solely within the terms of sale; and
(v) for subscription or recurring payment arrangements: a clear, unambiguous statement displayed immediately adjacent to the payment confirmation button showing the charge amount, the billing frequency, and the cancellation procedure.
(c) Consent at the point of purchase. Where the Merchant uses Dintero’s Hosted Solution, Dintero’s standard checkout flow is designed to satisfy the consent requirements of this clause. The following requirements apply where the Merchant controls the checkout experience:
(i) the End Buyer takes a separate, affirmative action — such as ticking an unchecked checkbox — to confirm acceptance of the terms of sale before the transaction is authorised. The payment confirmation button shall be labelled in a manner that makes unambiguously clear to the End Buyer that activating it constitutes a binding payment obligation (for example: “Betal nå”, “Pay now”, or equivalent in the applicable language). A button labelled only “Continue”, “Next”, “Confirm”, or similar does not satisfy this requirement; and
(ii) for subscription or recurring payment arrangements: the End Buyer gives a separate, explicit consent to the recurring charge, which is distinct from and in addition to the general terms acceptance under (i).
(d) Post-purchase confirmation. The Merchant shall, without undue delay following a completed transaction:
(i) send the End Buyer a durable confirmation — by email or equivalent persistent means — containing the order details, a copy of or a stable link to the version of the terms of sale that applied at the time of the transaction, and where applicable the standard withdrawal form or a direct link to it; and
(ii) retain a record of the version of the terms and the consent presented to the End Buyer at the time of each transaction, for a minimum of five (5) years or such longer period as required by applicable law.
(e) Terms of sale content and compliance. The terms of sale made available to End Buyers shall not conflict with applicable consumer protection law, applicable payment scheme rules, or the requirements of these Merchant Terms or the General Terms. The Merchant is solely responsible for ensuring that its terms of sale remain compliant with applicable law and payment rules on an ongoing basis. Before publishing any amendment to its terms of sale that reduces End Buyer rights, imposes new obligations on End Buyers, or otherwise has a material adverse consequence for End Buyers, the Merchant shall obtain Dintero’s prior written approval.
3.2 Controlling transactions. The Merchant is responsible for the accuracy of transaction data presented to Dintero in connection with the sale of goods and services.
The Merchant shall only initiate a charge or capture of a transaction when the goods purchased have been dispatched or handed over to an independent carrier for delivery, the service has been provided to the End Buyer, or as otherwise expressly permitted by Dintero or the relevant Scheme Rules.
The Merchant shall not present any settlement requests for transactions that represent or relate to the sale of goods, services, and/or content for future delivery unless agreed with Dintero in advance.
The Merchant will not present, process, or settle any transactions through Dintero that do not directly relate to a sale between the Merchant and an End Buyer, or any transaction the Merchant knows or should know to be illegal, fraudulent, or not authorised by the End Buyer.
The Merchant shall not use the Payment Methods for any of the following prohibited purposes:
(a) Cash disbursements. Providing cash advances, cash-back, or any form of cash disbursement to End Buyers, whether directly or indirectly, including through Refund transactions that exceed the original transaction amount.
(b) Payment intermediation. Acting as a payment intermediary, acquirer, or payment facilitator for any third party — that is, accepting payments through the Dintero Services on behalf of another person or entity. This prohibition applies regardless of the commercial arrangement between the Merchant and the third party and is without prejudice to clause 3.11.
(c) Third-party goods or services. Processing payment for goods or services that are legally or beneficially owned by, or are being supplied by, a party other than the Merchant, except where expressly permitted under the Agreement.
No surcharge. The Merchant shall not impose any surcharge, fee, or additional cost on End Buyers on account of their choice of payment method or card scheme. The total amount charged to the End Buyer shall not exceed the price of the goods or services sold.
Co-badging. Where an End Buyer’s payment card or device supports more than one card scheme (co-badged card), the Merchant shall present the available scheme options to the End Buyer and shall honour the End Buyer’s selection. The Merchant shall not steer, restrict, or otherwise limit the End Buyer’s free choice of scheme.
No card data by email or unencrypted channel. The Merchant shall not request, receive, or process card data — including card numbers (PAN), expiry dates, or security codes (CVV/CVC) — via email, SMS, chat, or any other unencrypted or unstructured communication channel. All card data must be captured exclusively through Dintero’s secure payment page, hosted fields, or API integration as specified in the applicable Channel Schedule.
3.3 End Buyer complaints. The Merchant is solely responsible for providing support to End Buyers. The Merchant undertakes to respond to End Buyer enquiries within a reasonable time where such enquiries relate to the Merchant’s goods or services or the use of payment methods.
If Dintero receives complaints about the Merchant that necessitate an investigation or other activities, Dintero will have the right to charge the Merchant a reasonable fee for processing such complaints.
In exceptional circumstances — such as where the Merchant is unresponsive during Dintero’s investigation or where Dintero has a strong suspicion of fraud — Dintero may, at its sole discretion, perform a refund on the Merchant’s behalf. The Merchant acknowledges that Dintero will bear no liability towards the Merchant in such an event.
3.4 Security. The Merchant shall implement and maintain sufficient security measures to prevent and reduce fraud in relation to transactions and the use of the Dintero Services. The Merchant shall notify Dintero within forty-eight (48) hours of becoming aware of any actual or suspected security incident affecting payment data.
3.5 Outages and support. The Merchant must notify Dintero as soon as possible after discovering an Outage, and in any event no later than two (2) hours after becoming aware of the Outage. In the event of an Outage:
(a) Dintero will register the notification and provide the Merchant with a ticket number as a reference;
(b) Dintero will investigate the Outage and make reasonable efforts to arrive at a solution within a reasonable time; and
(c) Dintero will inform the Merchant of the solution implemented.
If the Merchant has a complaint regarding the Dintero Services, the Merchant may contact complaints@dintero.com.
3.6 Card data security and PCI-DSS compliance. The common PCI-DSS obligations — including Dintero’s Attestation of Compliance, independent responsibility, no card data on Merchant systems, and reporting obligations — are governed by clause 11.5 of the General Terms, which applies in full to the Merchant role. The applicable PCI-DSS Self-Assessment Questionnaire (SAQ) type for the Merchant’s integration is specified in the relevant Channel Schedule.
In the event of an Account Data Compromise, the Merchant shall, at its own cost and within the timeframe required by the relevant Acquirer or Scheme Owner, engage a Payment Forensic Investigator (PFI) approved by the PCI Security Standards Council to investigate the incident. The Merchant shall cooperate fully with the PFI investigation and provide all findings to Dintero and, where required, to the relevant Acquirer and Scheme Owner. All costs and fines arising from the breach or investigation are the Merchant’s sole responsibility, including any ongoing fees imposed by Scheme Owners or Acquirers in connection with any monitoring or remediation programme, regardless of when such fees are imposed.
3.7 SCA. Where Strong Customer Authentication is required under PSD2 or applicable national law, the Merchant shall ensure its integration supports SCA and shall not attempt to bypass SCA requirements.
3.8 Inspections. Dintero will only exercise its right to inspect the Merchant’s premises, financial records, and other records where a Scheme Owner (including Visa or Mastercard) requires Dintero to do so. Inspections shall be limited in scope to the Merchant’s compliance with this Agreement and the applicable Scheme Rules. Dintero shall give the Merchant reasonable advance notice and shall use reasonable efforts to limit the impact on the Merchant’s business operations.
Where a Scheme Owner requires that the inspection be carried out by an external party, the costs of that inspection shall be shared equally between Dintero and the Merchant. Where no external party is required, the costs of the inspection shall be borne by Dintero. This cost allocation does not apply to PFI investigations following an Account Data Compromise, which are governed by clause 3.6.
3.9 No sub-aggregation or platform use. The Merchant is prohibited from enabling, facilitating, or otherwise allowing any third party to accept payments through the Dintero Services under the Merchant’s Account. The Merchant shall represent itself and use the Dintero Services exclusively to sell its own goods and services in its own name.
Where the Merchant intends to change its business model to operate as a platform, marketplace, or in any other capacity that involves processing payments on behalf of, or enabling payment acceptance for, third-party sellers or service providers, the Merchant must contact Dintero to discuss compliant solutions before implementing any such change. Operating as a platform or marketplace, or enabling third-party payment acceptance in any form, under a Merchant agreement constitutes a breach of the Agreement and may result in immediate termination under clause 8.3 of the General Terms.
3.10 Consumer law compliance. The Merchant’s consumer law obligations are governed by Clause 6.2 of the General Terms (Legal compliance and authorisations). The Merchant shall ensure that its terms of sale, checkout processes, withdrawal rights, refund policies, and pre-contractual information meet the mandatory minimum standards applicable in each jurisdiction in which it sells to End Buyers. Dintero’s approval of the Merchant’s terms of sale does not constitute legal advice or confirmation that those terms comply with the laws of any particular jurisdiction.
4.1 Refunds. Dintero has the right to refund a transaction if the Merchant does not fulfil its obligations in accordance with the Agreement or the terms entered into between the Merchant and the End Buyer, provided the End Buyer makes a claim for a refund against Dintero. The amount of each refund represents a debt immediately due and payable by the Merchant to Dintero and may be set off against the Balance or any collateral provided to Dintero.
Any refunds initiated by the Merchant are subject to the following conditions:
(a) a refund shall not exceed the amount of the original transaction;
(b) the Merchant will only make a refund to the same payment method the End Buyer used for the purchase;
(c) if the Merchant operates both in-store and as e-commerce, refunds shall not be made in cash when the original transaction was made using a card;
(d) the Merchant may never accept cash or other compensation for making a refund to a card; and
(e) Dintero may in its sole discretion refuse to accept any refund processed through Dintero.
4.2 Chargebacks. Dintero has the right to return a transaction if an Acquirer claims a Chargeback for any reason (together with any Chargeback costs), even where all the requirements of the Agreement have been complied with. Chargebacks shall comply with the following:
(a) a Chargeback can occur for any reason set out in the terms and conditions of the relevant Acquirer;
(b) where a Chargeback is raised before the transaction is settled, Dintero will not be required to settle the transaction; or if the transaction is already settled, the Merchant must pay the value of that transaction back to Dintero;
(c) the amount of each Chargeback represents a debt immediately due and payable by the Merchant to Dintero and may be set off against any unsettled transaction, the Balance, or any collateral the Merchant has provided to Dintero;
(d) Dintero shall notify the Merchant of any Chargebacks which have occurred;
(e) Dintero shall not be obliged to investigate or challenge the validity of a Chargeback — any objections must be made by the Merchant directly to the Acquirer; and
(f) the Merchant will not resubmit or reprocess any transaction that has been the subject of a Chargeback.
4.3 Liability for Chargebacks. The Merchant is fully responsible and liable for all Chargebacks, irrespective of the reason for or timing of the Chargeback. In the event of a Chargeback, the Merchant will be immediately liable to Dintero for the entire amount of the Chargeback together with any associated fees, costs, and fines.
Chargebacks may result from (but are not limited to):
(a) a dispute with the End Buyer relating to the delivery of goods or services;
(b) transactions that are unauthorised or incorrectly authorised;
(c) transactions that do not comply with the Agreement, including any Scheme Rules applicable to the payment method; or
(d) transactions that are unlawful or fraudulent.
4.4 Chargeback disputes. The Merchant has the right to dispute a Chargeback imposed on it. The Merchant may request Dintero’s assistance in disputing a Chargeback. Dintero may, at its sole discretion, decide whether to assist the Merchant. If Dintero chooses to assist, Dintero shall bear no liability for the Chargeback or the outcome of the dispute. Dintero’s role and applicable costs when assisting shall be agreed in writing before assistance commences.
4.5 Chargeback documentation deadline. When Dintero requests documentation from the Merchant in connection with a Chargeback or Chargeback dispute, the Merchant shall provide all requested documentation within three (3) Banking Days of Dintero’s request. Failure to provide the required documentation within this period may result in Dintero being unable to challenge the Chargeback on the Merchant’s behalf, and the Chargeback will stand at the Merchant’s expense.
4.6 Batch investigation and settlement delay. Where Dintero has reasonable grounds to suspect that a transaction or a batch of transactions is fraudulent, disputed, subject to Chargeback risk, or otherwise irregular — including where the volume or value of Chargebacks or disputes on the Merchant’s Account exceeds levels that Dintero considers acceptable — Dintero may:
(a) delay settlement of the affected transactions pending investigation;
(b) request from the Merchant documentation or information relating to the affected transactions within the timeframe specified by Dintero; and
(c) withhold or set off against the Balance any amounts that Dintero reasonably determines may be subject to Chargeback or reversal.
Dintero will notify the Merchant of any settlement delay and the reasons for it where reasonably practicable. Dintero is not liable for any loss resulting from a settlement delay exercised in good faith under this clause.
4.7 High-risk goods — proof of delivery. Where a transaction relates to the sale of high-value or high-risk goods — including but not limited to electronics, jewellery, luxury goods, or other categories designated as high-risk in Dintero’s prevailing guidelines — the Merchant shall obtain and retain signed proof of delivery from the End Buyer confirming receipt of the goods, and a copy of the End Buyer’s ID. Where delivery is made by carrier, a tracking record showing confirmed delivery to the End Buyer’s address satisfies this requirement. Failure to maintain such records may preclude the Merchant from successfully challenging a Chargeback.
5.1 Dintero will settle net transaction proceeds to the Merchant after deducting applicable fees, Chargebacks, refunds, and any Retained Funds in accordance with the agreed settlement schedule.
5.2 Dintero will provide the Merchant with a settlement statement for each settlement period detailing gross transaction volume, deductions, and net payout.
5.3 The Merchant shall raise any dispute regarding a settlement statement within sixty (60) days of the settlement date. Disputes raised after this period are time-barred.
5.4 Dintero may withhold settlement where the Merchant’s account is subject to a compliance review, an unusually high volume of Chargebacks or disputes, or where Dintero has reasonable grounds to suspect fraud or money laundering.
5.5 Service fees on refunds and reversals. Dintero’s service fees and applicable Pass-Through Fees are earned upon the processing of a transaction and are not refunded when a transaction is subsequently Refunded, Charged Back, or reversed for any reason. Where a Refund is processed, Dintero may charge an additional Refund processing fee as set out in the Customer’s pricing schedule.
6.1 Dintero has the right, but not the obligation, to unilaterally set and hold a reserve of funds which would otherwise be paid out to the Merchant, for an amount and period specified by Dintero:
(a) as a percentage of each transaction from the Merchant; or
(b) as a specific amount
(the “Retained Funds”).
6.2 Retained Funds may be used to cover Chargebacks, refunds, and credit risk associated with the Merchant. The amount and duration depend on the level of risk associated with the Merchant, including:
(a) volume of or risks related to Chargebacks and/or refunds;
(b) transaction history showing increased Chargeback rates;
(c) business model with long delivery windows (e.g. travel, hospitality, events, ticketing);
(d) operation as a new business without a transaction history; or
(e) operation in a high-risk industry or in breach of the Prohibited Activities list.
6.3 Dintero may require the Merchant to provide a guarantee or other collateral as security for amounts owed or potentially owed to Dintero, including Chargebacks, fees, and fines.
6.4 Dintero may impose additional fees or restrictions, including: (a) withholding of funds to cover actual or potential liability; (b) delay in payouts; (c) restriction of access to certain Dintero Services; (d) a requirement to use Strong Customer Authentication on all or specific transactions; or (e) suspension or termination of the Dintero Services.
6.5 Retention period. The duration of any Retained Funds reserve is determined by Dintero’s risk-based assessment of the Merchant’s expected chargebacks, refunds, and other outstanding exposure. Dintero shall release Retained Funds, in whole or in part, as the corresponding exposure resolves to Dintero’s reasonable satisfaction. In any case, Retained Funds shall not be held for more than one hundred and eighty (180) days from the date on which the relevant transactions were settled, unless a specific chargeback, dispute, or legal or regulatory proceeding is outstanding at the end of that period, in which case the funds may be retained until that matter is resolved.
6.6 Dintero shall not be liable for any losses incurred by the Merchant in connection with the retention of funds under this clause.
7.1 Additional services — including POS Terminals, Payment Links, Gift Cards and Loyalty programmes, and Invoicing and Instalment Services — may be activated for the Merchant where available. Each optional service is governed by the applicable Channel Schedule or separate terms. The current list of available optional services is published on the Dintero Website.
8.1 All fees applicable to the Merchant are set out in the Merchant’s individual pricing schedule, which forms part of these Merchant Terms. The pricing schedule covers all cost categories applicable to the Merchant’s configuration, including:
(a) monthly account fee;
(b) payment processing fees (card-present and card-not-present);
(c) payment method fees (card schemes, digital wallets, BNPL, and other enabled payment methods);
(d) In-Person Payment terminal fees — rental/subscription fees, purchase prices, and software licence fees, as further governed by Schedule S;
(e) Split Payout fees — monthly platform fee, per-Seller fee, and variable payout fee, as further governed by Schedule SP;
(f) token service fees (for recurring, MIT, and CIT transactions);
(g) payout and currency fees — exchange fees, domestic and non-domestic transfer fees;
(h) chargeback handling fees; and
(i) any other fees for optional services activated on the Merchant’s account.
8.2 Fees are deducted from settlement proceeds unless otherwise agreed.
8.3 Fee changes are governed by GT 7. For Dintero-set fee increases, at least three (3) months’ written notice is required. Changes in fees set by Scheme Owners take effect immediately in accordance with GT 7.3.
8.4 Volume-based price levels. Where the pricing schedule sets fees by reference to a volume tier, the applicable tier is determined by the Merchant’s annual processed volume. If the Merchant’s actual volume within the first twelve (12) months does not reach the agreed tier, Dintero may adjust the pricing to the tier corresponding to the actual volume. The Merchant is responsible for notifying Dintero if its volume increases to a higher tier; fees are not reduced automatically.
Term, termination, suspension, and consequences of termination are governed by clause 8 of the General Terms, which applies in full to the Merchant role.
