Offer

For the purposes of the Agreement, the terms and definitions below are used in the following meaning:

Acceptance of the Offer

full and unconditional acceptance of the Offer by the Merchant by performing the actions specified in clause 8.2 of this Agreement. The fact of Acceptance of the Offer constitutes the fact of conclusion of the Agreement between the Operator and the Merchant;

Partner Bank

a bank, non-bank credit and financial institution or settlement centre participating in the acceptance or processing of a payment, clearing or settlements;

Refund

an operation to return to the Payer the amount of a previously made Payment in full or in part in the cases and in the manner provided for by the Agreement and/or the legislation of the Republic of Belarus;

Agreement

the agreement between the Merchant and the Operator, an agreement on the provision of online access services to the Platform and the execution of instructions for payment acceptance, which is concluded in the manner specified in section 8 of this Agreement;

Merchant Card

a page of the Site containing information about the Merchant: the details required by legislation, information about the services provided and the lines of business;

Service Card

a page of the Site containing information about a specific service offered by the Merchant or an intellectual property object of the Merchant;

Personal Account

a secure information panel (web interface) located on the Site and available to the Merchant after registration and authentication. It is used by the Merchant to remotely manage its activities on the Platform, exchange legally significant messages and receive reporting documents under this Agreement;

Merchant

a legal entity or an individual entrepreneur with whom the Operator has concluded the Agreement by Acceptance of the Offer, and who enters into a direct transaction with the Payer for the provision of services and/or for granting the Payer, under the terms of a simple (non-exclusive) licence, the right to use an intellectual property object placed on the Platform;

Operator

Platio Payment Technologies LLC, a legal entity of the Republic of Belarus, registration number 193968526, UNP 193968526, address: Minsk, Timiryazeva St. 121/3, room 21, registration date: 18.02.2026.

Offer

this document, an adhesion contract;

Payment

funds paid by the Payer in favour of the Merchant in connection with a direct transaction concluded between them for the provision of services and/or for granting the Payer, under the terms of a simple (non-exclusive) licence, the right to use an intellectual property object placed on the Platform;

Payer

a person who enters into a direct transaction with the Merchant for the provision of services and/or for granting the Payer, under the terms of a simple (non-exclusive) licence, the right to use an intellectual property object placed on the Platform, and who initiates a payment transaction in favour of the Merchant;

Platform

the online platform located on the market.platio.by domain that enables the Merchant to offer its services (rights to intellectual property objects) by creating a card containing information about the Merchant and the services (rights to intellectual property objects) it offers, and enables the Payer to choose, order and pay for the services (rights to intellectual property objects) offered by Merchants;

Settlement Period

the period for which registers are generated and the fee, reserves and amounts to be transferred are calculated;

Site

the Operator’s website on the global computer network Internet at: market.platio.by ;

Special Account

a bank account with a special operating regime, used in the cases provided for by legislation to account for funds accepted in favour of third parties;

Tariff Plan

individual or standard terms on the cost, transfer periods, limits, reserves and other commercial parameters of the provision of the Services;

Services

the Operator’s services of providing the Merchant with online access to the Platform and executing instructions for payment acceptance;

Chargeback

the procedure for disputing a bank payment card transaction under the rules of the payment system and the acquiring bank.

2.1. In accordance with this Agreement, the Operator undertakes to provide the Merchant with:

2.1.1. online access to the Platform using the functionality of the Personal Account;

2.1.2. the ability, by means of the Platform, to present information about the Merchant and the services (rights to intellectual property objects) it offers;

2.1.3. acquiring services for payment transactions in terms of accepting funds from Payers in favour of the Merchant and transferring them by non-cash means for the purpose of making payments in favour of the Merchant without opening accounts for Payers and Merchants.

2.2. Depending on the Tariff Plan and activation status, the services may include:

• acquiring of payment transactions ensuring the acceptance of payments in favour of the Merchant;
• provision of a payment page, API, widgets, payment links and QR tools;
• transmission of orders and technological messages to settlement participants;
• maintenance of transaction registers, analytics and reports in the Personal Account;
• technological support of refunds, cancellations and disputes of transactions;
• other services expressly activated in the Personal Account and permitted by the legislation of the Republic of Belarus.

2.3. The Operator is not the provider of the services offered by the Merchant in the Service Card, nor the right holder of the Merchant’s rights to intellectual property objects, does not determine their quality, price or performance periods, and does not become a party to the direct transaction between the Merchant and the Payer.

3.1. Before the Personal Account is activated, the Operator identifies and assesses the Merchant, its representatives, beneficial owners, business model, website, goods (works, services, intellectual property objects), geography, counterparties, expected turnover and sources of funds to the extent required by the legislation of the Republic of Belarus and the Operator’s risk policies.

3.2. The Merchant shall provide reliable, up-to-date and complete documents and information, including registration documents, information about managers and beneficiaries, licences, bank details, contracts, a description of goods (works, services, intellectual property objects) and documents on the origin of funds or the economic purpose of transactions.

The Operator may request additional information, carry out video verification, check the actual location, the website, business reputation, sanctions and other lists, and also refer to lawful information sources and verification providers.

3.3. Registration and submission of documents do not in themselves oblige the Operator to conclude the Agreement or activate the services. Until the verification is completed, the Merchant may have access only to a test environment without movement of real funds.

3.4. The Operator may refuse to connect the Merchant or terminate the verification without disclosing its internal risk criteria, unless otherwise provided by the legislation of the Republic of Belarus.

3.5. The Merchant independently ensures and is responsible for the lawfulness of advertising, distance selling, cash discipline, taxation, labelling, consumer protection and personal data processing when carrying out activities using the Platform.

3.6. Transactions related to illicit trafficking in goods, narcotic drugs, human trafficking, weapons without permits, fraud, financial pyramids, illegal gambling, sanctions evasion, money laundering, financing of terrorism and financing of proliferation of weapons of mass destruction, as well as any other activity prohibited by legislation or by the rules of settlement participants, are prohibited from being placed on the Platform.

High-risk or regulated sectors, including financial services, lending, investment products, crypto assets, gambling, medical goods, charitable fundraising, marketplaces accepting money in favour of third parties, subscription services and the sale of digital content, may be served only after separate written approval.

The Operator may maintain and update a list of prohibited and restricted categories on the Site or in the Personal Account. A change to the list applies immediately, unless otherwise provided by legislation.

3.7. After the Personal Account is activated, in order to place offers for the sale of services (transfer of rights to intellectual property objects) on the Platform, the Merchant creates a Service Card. By placing a Service Card on the Platform, the Merchant gives the Operator consent to the use of:

• the trademark (service mark) used in the Service Card;
• the commercial designation and/or company name of the Merchant;
• copyright objects used in the Service Card, solely for the purpose of ensuring the placement, reproduction and making available to the public of the Service Card containing such intellectual property objects through the Platform;
• access of Payers to the pages of the Site containing the Service Card, including by means of use in a hyperlink and by other methods of redirection.

3.8. The information in the Service Card is provided directly by the Merchant and is published on the Platform without changing its content or meaning. The Merchant is responsible for the content and relevance of this information.

3.9. The Merchant warrants that:

• the information about the service specified in the Service Card is true;
• the sale of services (granting of rights to intellectual property objects) by the Merchant does not violate the legislation of the Republic of Belarus and of other countries in which the services are provided, nor the rights of third parties;
• the Merchant intends to provide the Client with exactly the service (to grant rights to exactly the intellectual property object) that is specified in the Service Card.
• the Merchant will not use photographs and information that mislead Payers as to the results of the provision of services.

3.10. By placing an order on the Platform, the Payer enters into contractual relations directly with the Merchant, and the agreement concluded between them gives rise to legal consequences only for the Payer and the Merchant.

The Operator is not a party to such an agreement. The Operator performs intermediary functions of accepting funds from the Payer in favour of the Merchant.

3.11. All participants in the payment process use non-cash funds as the means of payment when the Payer pays in favour of the Merchant.

In settlements between residents, the Belarusian ruble serves as the means of payment, unless otherwise provided by the legislation of the Republic of Belarus.

In settlements with non-residents, foreign currency (dollars, euros or Russian rubles) is used depending on the country of residence.

In other situations, conversion may be carried out. When a payment service involving conversion, purchase or sale of different currencies is provided, the exchange rates established by the agreement concluded between the Company and the servicing bank apply.

3.12. From the moment (day) the Payer fulfils its payment obligations, the Operator has an obligation to transfer the funds received to the Merchant, and the right of possession of the funds passes to the Merchant.

3.13. Funds accepted by the Operator from the Payer in favour of the Merchant are accounted for and transferred in the manner established by legislation, the Special Account regime, agreements with Partner Banks and the Tariff Plan. Funds held in the Special Account are earmarked, are used for settlements on accepted payment transactions and are not included in the Operator’s property.

3.14. Funds held in the Special Account and intended for the Merchant are not the Operator’s own funds, except for the amounts of the fee and other amounts subject to withholding on the basis of the Agreement and legislation.

3.15. The amount to be transferred to the Merchant is determined as the amount of confirmed Payments less the Operator’s fee, Refunds, Chargebacks, payment system fines, the Merchant’s debt and other lawful deductions. If the amount to be transferred is insufficient to cover a Refund, Chargeback or debt, the Merchant transfers the required amount within the period specified by the Operator, but no later than three business days from the date of the demand.

3.16. Transfers are made only to the Merchant’s bank account that has passed verification. A change in the Merchant’s bank details requires re-confirmation and may entail a temporary suspension of payouts.

3.17. The Operator’s obligation to the Merchant is deemed fulfilled from the moment the funds due to the Merchant are debited from the Operator’s Special Account.

3.18. The Merchant shall consider the Payers’ claims under the direct transaction and, where there are grounds, initiate a Refund through the Personal Account in a timely manner.

3.19. A refund of funds paid by the Payer may be made in cases where:

• the funds were overpaid;
• the payment was made in error;
• the Merchant has not fulfilled the obligations related to the purpose of the payment;
• the paid service (right to an intellectual property object) has been returned to the Merchant;
• the refund is initiated by the Payer with the consent of the Merchant receiving the payment;
• the refund is initiated by the Merchant receiving the payment in the event that the Merchant receiving the payment is unable to fulfil (fails to fulfil) the obligations related to the purpose of the payment;
• in other cases established by legislation.

3.20. To arrange a refund, the Payer may contact the Merchant directly or submit a request to the Operator. The procedure for the Operator’s consideration of the Payer’s application is governed by the agreement between the Operator and the Payer. The procedure for the Merchant’s consideration of the Payer’s application is governed by the direct transaction between the Merchant and the Payer.

3.21. The decision to refund funds for the services provided (rights to intellectual property objects granted) is made by the Merchant. The Operator is not responsible for the Merchant’s decision to refund / not to refund funds to the Payer, since the Operator does not provide the Payer with services related to the purpose of the payment.

3.22. A Refund is made, as a rule, by the same method and in the same currency in which the Payment was made, within the available balance and the rules of the payment system.

3.23. The fees of Partner Banks, payment systems and other payment participants charged when a Refund is made are borne by the Merchant.

3.24. The period for receipt of the refunded amount depends on the Partner Bank and the payment instruments used. The Operator provides available information on the status but is not responsible for delays after a correct order has been transmitted to the relevant payment participant.

3.25. Amounts credited in error, duplicated or received without legal grounds are subject to return. The Operator may correct obvious technical accounting errors with notice to the Merchant.

3.26. Procedure for handling a Chargeback or claim

3.26.1. Upon receipt of a claim or Chargeback, the Operator notifies the Merchant via the Personal Account and may request documents confirming the order, consent, delivery, provision of the service, correspondence, identification of the Payer and compliance with the refund terms;

3.26.2. The Merchant provides the Operator with a complete set of documents within the period specified in the request, which may be shorter than the usual response period due to the payment system rules. Failure to provide the documents means the Merchant’s consent not to dispute the claim or the impossibility of disputing it;

3.26.3. The Chargeback amount, fees and fines may be withheld from the amount to be transferred to the Merchant (clause 3.15 of the Agreement) or from the reserve until a final decision is made. The outcome of the procedure is determined by the bank or the payment system and is binding on the parties with respect to the relevant transaction;

3.27. The Services are provided by the Operator around the clock (24 hours, 7 days a week), subject to uninterrupted connection of the internet resource to the hardware and software system of the Acquiring Bank and the hardware and software system of IComCharge LLC.

The Operator ensures continuous operation and restoration of the operability of the Platform when providing the Services.

3.28. The Operator, acting as a payment aggregator that is not a settlement centre and (or) a participant in a payment system, engages a settlement centre to perform settlement operations on accepted payments.

3.29. The moment of finality of a payment and the moment of irrevocability of a payment are determined in accordance with the Rules for the Provision of Payment Services approved by the Operator.

The maximum period for executing a payment transaction is determined by the rules of the payment systems, including by the acquiring bank that is the operator of the payment system, as well as in the agreements concluded by the Operator with acquiring banks and other payment service providers.

3.30. When the Merchant places information (content) on the Platform, including the Merchant Card and the Service Card, the exclusive right to such content remains with the Merchant.

3.31. When placing information on the Platform, the Merchant grants the Operator a non-exclusive licence to reproduce, publicly display and make available to the public such content, and to use it in any other ways necessary for the operation of the Platform, without territorial limitation, without payment of remuneration, for the entire period during which the content is placed on the Platform.

3.32. The Merchant undertakes to comply with the legislation of the Republic of Belarus when placing content on the Platform, including not to allow the placement of content that:

• infringes the intellectual property rights of third parties;
• entails a breach of obligations to third parties (including confidentiality obligations);
• is unlawful or promotes any form of unlawful activity or facilitates its commission;
• is prohibited from distribution in the territory of the Republic of Belarus in accordance with legislation;
• is discriminatory or discrediting towards any person or group of persons;
• contains malicious computer programs (“viruses”).

3.33. Under no circumstances is the Operator liable for content placed by the Merchant, including, among other things, any errors in the content, or for losses or damage of any kind caused as a result of the creation, placement or other use of the content.

3.34. The Merchant is solely responsible for ensuring that the content it places on the Platform, including in the Merchant Card and the Service Card, complies with the requirements of applicable legislation, including liability to third parties in cases where the placement of particular content or the substance of the content violates the rights and legitimate interests of third parties, including the personal non-property rights of authors and other intellectual property rights of third parties, and/or encroaches on their intangible benefits.

3.35. The Operator may, in the cases provided for by the Agreement, block or delete the Merchant’s Personal Account. Deletion of the Merchant’s Personal Account is recognised as the Operator’s unilateral refusal to perform the Agreement.

3.36. The Operator may block or delete the Merchant’s Personal Account in the following cases:

3.36.1. if the Merchant systematically (two or more times during the preceding 6 calendar months) breaches the terms provided for by this Agreement, including but not limited to such actions as: breach of the use of intellectual property objects, breach of the rules for placement on and use of the functionality of the Platform, unjustified refusal to refund funds to the Payer, and in other cases where the Merchant’s actions in using the Platform violate the legislation of the Republic of Belarus, materially breach the terms of the Agreement, or result in losses or damage to the business reputation of the Operator;

3.36.2. repeated placement on the Platform of offers to sell services that are prohibited or whose distribution on the Internet is prohibited by the legislation of the Republic of Belarus;

3.36.3. unilateral refusal of either Party to perform the Agreement or termination of the Agreement on other grounds.

3.36.4. hacking of the Personal Account as a result of actions of third parties;

3.36.5. liquidation (termination of activity) of the Merchant;

3.36.6. signs of fraud or other unlawful actions in the Merchant’s actions.

3.37. The Operator notifies the Merchant of the blocking via the Personal Account or by e-mail on the day the restrictions are imposed, stating the reasons (unless this impedes the investigation of an offence).

3.38. Primary accounting documents confirming the provision of the Services are drawn up by the Operator unilaterally without being sent to the Merchant.

Upon the Merchant’s written application sent to the Operator’s e-mail address support@platio.by , the Operator sends the Certificate of Services Rendered to the Merchant via electronic communication channels. In this case, the Merchant shall sign the received Certificate of Services Rendered within 5 (five) business days of receipt and send 1 copy to the Operator.

4.1. The amount and structure of the fee, minimum payments, fees for Refunds and Chargebacks, the reserve, settlement periods and limits are determined by the Tariff Plan. The current Tariff Plan is displayed in the Merchant’s Personal Account.

The list of Tariff Plans is an integral part of this Agreement and is posted on the Site.

4.2. The Operator’s fee for the provision of the Services is calculated only on orders placed and paid for by the Payer and includes VAT at the rate established by the legislation of the Republic of Belarus.

4.3. The Operator may withhold the fee from the amounts due to the Merchant. If withholding is impossible, the Merchant pays the invoice within five business days.

The Operator’s fee is withheld at the moment the payment amount received from the Payer in favour of the Merchant is credited to the Special Account.

4.4. The Operator may change the terms of the Tariff Plan unilaterally, notifying the Merchant via the Personal Account. The amended Tariff Plan applies no earlier than the date specified in the notice. The advance notice period is at least ten calendar days, except for changes in mandatory fees of banks and payment systems, in legislation or in security measures, which may apply from the date they arise.

4.5. Each Party independently fulfils its tax obligations.

4.6. Fees withheld by partner banks (including when third-party software is used), by the official aggregator of the ERIP system, and by the payment acceptance operator / acquiring bank are expenses of the Merchant.

4.7. If the Personal Account is blocked or deleted in connection with violations by the Merchant, the Operator may suspend the payout of funds to the Merchant until the investigation is fully completed, the amount of damage caused to the Operator or to Payers is assessed, and the amounts of fines and compensation are withheld from those funds.

5.1. The Operator may:

5.1.1. provide Payers with the information necessary to make payments;

5.1.2. when providing the Services, accept non-cash payments from Payers, including by using technical and technological solutions;

5.1.3. in the cases and in the manner established by the legislation of the Republic of Belarus, obtain information constituting bank secrecy and other secrets protected by law, to the extent necessary and sufficient for the provision of payment services. Requirements for the safekeeping of such information and the specifics of its use and (or) processing are established by legislative acts;

5.1.4. update the Platform, change technical requirements, set limits, carry out checks, request documents, decline transactions and suspend the provision of the Service where there are grounds provided for by the Agreement;

5.1.5. correct technical errors and demand that violations be remedied, without interfering in the lawful commercial activity of the Merchant;

5.1.6. engage third parties to perform this Agreement without notifying the Merchant or obtaining its consent;

5.1.7. in order to ensure the security of the Platform, carry out random checks of the Merchant’s compliance with the terms of this Agreement at any time and by various methods permitted by the legislation of the Republic of Belarus;

5.1.8. independently determine the ways and methods of providing the Services, taking into account the requirements of the legislation of the Republic of Belarus;

5.1.9. require the Merchant to provide the information and data necessary for the complete and timely provision of the Services;

5.1.10. change the terms of the Agreement unilaterally in accordance with section 8 of this Agreement;

5.1.11. at any time carry out preventive, scheduled or repair work on the Platform that entails a temporary restriction or complete impossibility of using the Personal Account. The Operator undertakes, where possible, to carry out such work during hours of lowest user activity and to notify the Merchant in advance by publishing information in the Personal Account or on the Site (except in cases where emergency elimination of failures is required).

5.2. The Operator undertakes to:

5.2.1. provide the Services in good faith in accordance with the legislation on payment systems and payment services;

5.2.2. ensure the protection of information whose dissemination and (or) provision is restricted in accordance with legislation, including information constituting a secret protected by law;

5.2.3. store information (ensure the storage of information) on accepted payments (payment transactions) for the periods established by legislation;

5.2.4. ensure the possibility of refunding funds by the method by which the payment was made (bank transfer to a bank payment card), in accordance with the procedure established by legislation, in the cases specified in clause 3.19. of the Agreement;

5.2.5. ensure (technically and (or) by informing the relevant parties to payment legal relations) the refund of the fee paid on a payment by the Payer and (or) the Merchant in the event of its return due to a payment made in error by an initiator other than the said Payer and (or) Merchant. The periods for refunding funds are established by legislation and (or) the Agreement;

5.2.6. ensure the fulfilment of its payment obligations on accepted Payments;

5.2.7. keep separate records in the Special Account of the funds of Payers paid in favour of the Merchant;

5.2.8. provide the Payer, the Merchant and other payment service providers with information on the Payments made and their details in the scope, on the terms and within the periods established by legislation;

5.2.9. provide the Merchant with the ability to use the functionality of the Platform in accordance with the Tariff Plan and the terms of the Agreement;

5.2.10. notify the Merchant in a timely manner of the impossibility of providing the Services for technical reasons, as well as of any circumstances preventing the proper provision of the Services.

5.3. The Merchant may:

5.3.1. use the functionality of the Platform on the terms provided for by this Agreement;

5.3.2. receive information about transactions;

5.3.3. send the Operator comments, suggestions and/or feedback related to the subject of this Agreement and/or the operation of the Platform;

5.3.4. receive information support on matters related to the operation of the Platform throughout the term of this Agreement;

5.3.5. use the Platform solely for its own commercial or non-commercial purposes, without transferring access to the Personal Account to unauthorised third parties. The right to use the Platform may not be transferred to third parties.

5.4. The Merchant undertakes to:

5.4.1. carefully study the terms of use of the Platform set out in this Offer and complete the registration procedure;

5.4.2. place, and on an ongoing basis maintain the reliability and relevance of, the information placed in the Merchant Card and Service Cards;

5.4.3. ensure that the information about the services and the Merchant complies with the legislation of the Republic of Belarus on consumer protection, on advertising and on personal data protection;

5.4.4. ensure the lawfulness of the direct transaction with the Payer;

5.4.5. properly fulfil its obligations to the Payer under the direct transaction;

5.4.6. provide the Operator in a timely manner with complete and reliable information necessary for the provision of the Services;

5.4.7. report any change in the information previously provided to the Operator no later than three business days, and any change of beneficiary, manager, licence, bank details, domain, business model or list of goods — before starting to operate with the changed information;

5.4.8. provide for and follow a safe unavailability scenario and not transfer the service or the rights to the intellectual property object until a successful Payment has been reliably confirmed;

5.4.9. not allow actions entailing a violation of the Operator’s rights;

5.4.10. act in good faith and comply with applicable legislation, the requirements of this Agreement and the Operator’s Rules for the Provision of Payment Services;

5.4.11. independently organise and (or) carry out the processing of Payers’ personal data, and determine the purposes of its processing and the actions (operations) performed with their personal data. When entrusting the Operator with the processing of Payers’ personal data, the Merchant shall notify the Operator of the need to delete such personal data from information systems or paper media no later than within 10 (ten) business days from the date unlawful processing of personal data is detected and within 30 (thirty) days from the date the purpose of processing is achieved and/or the personal data subject withdraws consent, unless otherwise provided by the legislation of the Republic of Belarus;

5.4.12. not use software or perform actions aimed at disrupting the normal operation of the Platform; not upload, store, publish, distribute, provide access to or otherwise use viruses, trojans and other malicious programs; not use automated scripts (programs) to collect information on the Platform without the Operator’s written permission;

5.4.13. at least once every two weeks visit the page of the Site where this Offer is posted in order to read its current text, taking into account the changes made by the Operator. If the Merchant does not agree with the new terms of the Offer, the Merchant may unilaterally withdraw from the Agreement in accordance with clause 8.10 of the Agreement;

5.4.14. independently monitor the Personal Account at least once a day for new notices, documents or changes in the terms of operation. The risk of failing to read the information in the Personal Account and of any adverse consequences thereof lies entirely with the Merchant;

5.4.15. ensure strict confidentiality of its credentials (login and password) required to access the Personal Account. The Merchant is prohibited from transferring these data to third parties without prior written notice to the Operator.

All risks associated with the loss of confidentiality of credentials and unauthorised access of third parties to the Merchant’s Personal Account, as well as all losses arising from the actions of such third parties in the Personal Account, are borne in full by the Merchant. The Operator is not liable for any direct or indirect losses of the Merchant caused by the compromise of its passwords.

In the event of suspected compromise, actual compromise (loss, theft) of credentials, or suspected unauthorised access to the Personal Account, the Merchant shall immediately send an emergency notice to the Operator’s support service at support@platio.by to have access blocked. Until such notice is received by the Operator, any actions in the Personal Account are deemed to be lawful actions of the Merchant itself.

5.4.16. in the event of a technical failure preventing the use of the Personal Account, immediately record the failure (by taking screenshots showing the date and time) and send a reasoned request to the Operator’s support service by e-mail at support@platio.by .

5.5. The Operator grants the Merchant the right to use the Platform on an “as is” basis. The Operator does not guarantee constant, continuous, error-free and uninterrupted operation of the Personal Account and is not liable for the Merchant’s losses (including lost profits) caused by technical failures, interruptions in communication services, malfunctions on the side of hosting providers, DDOS attacks, equipment failures or the actions of malicious programs, disruptions in the operation of other persons or services, restriction of access to the Internet or to particular Internet resources for any reason, and other circumstances beyond the Operator’s competence.

5.6. The Merchant may not assign access, act as a hidden aggregator or payment intermediary, serve unapproved websites and third parties, circumvent limits, interfere with the Platform, conduct security tests without written permission, or use the Operator’s designations in a misleading manner.

5.7. The Merchant independently bears the risk of the direct transaction with the Payer, its documentation, the quality of the service (intellectual property object) and compliance with the legislation of the Republic of Belarus on consumer protection.

6.1. The Operator processes and stores personal data for the purpose of proper use of the functionality of the Platform under this Agreement in accordance with Law of the Republic of Belarus No. 99-З of 07.05.2021 “On Personal Data Protection” (hereinafter, the “Personal Data Protection Law”) and the approved Regulation on the Personal Data Processing Policy, which is publicly available on the Platform.

6.2. The Operator takes the necessary organisational and technical measures aimed at protecting Payers’ personal data in accordance with the Personal Data Protection Law and the approved Regulation on the Personal Data Processing Policy.

6.3. The Merchant ensures that there is a legal basis for transferring to the Operator the data of Payers, employees, representatives and beneficiaries, provides the necessary notices and obtains consents where they are required.

6.4. The Operator may engage third parties to ensure proper processing of personal data.

6.5. Confidential information is used only to perform the Agreement, comply with the law and protect rights. This obligation remains in force for five years after termination of the Agreement, and for secrets protected by law — for the period established by law.

6.6. The Platform, including, collectively and individually, the software, graphic and audiovisual displays, the user interface as a whole, design elements, text, graphic images and other information placed by the Operator, constitutes protected results of intellectual activity, the exclusive right to which belongs to the Operator.

6.7. From the moment of Acceptance of the Offer, the Operator grants the Merchant, for the entire term of the Agreement, a non-exclusive non-transferable licence to use the Platform to the extent relating directly to the Merchant, namely: the right to use the functionality of the Platform solely for the purposes of exercising the rights and performing the obligations under the Agreement, including: for registration and identification on the Platform, for the Merchant to create the Merchant Card and Service Cards in order to place offers for the sale of services (rights to intellectual property objects) on the Site, for interaction with the Platform’s support specialists and with Payers, and for interaction with the Operator on matters of the Merchant’s commercial activity, including for the purpose of receiving the Services provided for by the Agreement, in the manner and on the terms provided for by the Agreement.

6.8. By performing Acceptance of the Offer, the Merchant fully and unconditionally agrees to the terms of use of the Platform and of the Operator’s other intellectual property, and also accedes to the Operator’s current Rules for the Provision of Payment Services and accepts them in full without exceptions or reservations.

6.9. With respect to the Operator’s intellectual property, the Merchant shall refrain from any actions that infringe the Operator’s intellectual property rights, including not copying, recording, reproducing, replicating, distributing in any form, modifying or using any intellectual property to create derivative works, and shall immediately inform the Operator of any facts of infringement of intellectual property rights that become known to it.

7.1. Unless otherwise provided by the Agreement, the Parties are liable for non-performance or improper performance of their obligations under the Agreement in accordance with the applicable legislation of the Republic of Belarus.

7.2. All matters not regulated by this Agreement are resolved in accordance with the applicable legislation of the Republic of Belarus.

7.3. The Merchant is responsible for the completeness and reliability of the information it provides to the Operator and for its possible non-compliance with the applicable legislation of the Republic of Belarus.

7.4. If the Merchant breaches clauses 5.4.12, 6.9 of the Agreement, the Merchant shall, out of court and upon the Operator’s written demand, pay a fine in the amount of 2 000,00 (two thousand) base units for each instance of breach. The amount of the base unit is determined in accordance with the legislation of the Republic of Belarus on the date of payment of the fine. The Merchant shall pay the fine within 15 (fifteen) calendar days from the moment the Operator’s claim (notice) is received.

7.5. The Operator is not liable:

• for the Merchant’s losses related to the conclusion of the direct transaction with the Payer;
• for the reliability of the information and prices provided by the Merchant to the Operator;
• for harm caused to the life, health or property of the Payer while receiving services from the Merchant, if such harm is caused by circumstances dependent on the Merchant or the Payer;
• for harm caused to the Payer while receiving services from the Merchant in the event of culpable actions of the Merchant itself, or in the event of the Payer’s failure to comply with the rules of conduct and safety measures of which the Payer was warned by the Merchant;
• for the content of information placed in messenger chats (Viber, WhatsApp, Telegram, etc.) that are created on the initiative of the Merchant and the Payer;
• for the use by third parties of personal data that the Payer discloses in such chats;
• for the quality of the Internet connection and the operation of the Merchant’s equipment and software;
• for errors and inaccuracies made by the Merchant when using the functionality of the Platform;
• for the actions (inaction) of banks or third parties participating in settlements when a Payment is made or funds are refunded in the established cases.

7.6. For the duration of a technical failure confirmed by the Operator that completely precluded the technical possibility for the Merchant to perform its obligations under the Agreement, the periods for performing such obligations are extended in proportion to the duration of the failure, and the Operator does not apply penalties to the Merchant for that period.

7.7. The Operator is not liable for non-receipt (including delayed receipt) of funds from the Payer if such non-receipt (delayed receipt) is caused by the following reasons:

• the imposition on the Payer, the Merchant, the banks servicing them, the payment acceptance operator / acquiring bank or other settlement participants of restrictive measures of an economic nature (sanctions), blockings or prohibitions on carrying out transactions;
• requirements of competent authorities;
• default of a bank or revocation of its licence;
• technical failures, errors, software malfunctions, network attacks (DDoS, etc.) or other faults in the systems of the banks participating in settlements, of the payment system or of the payment acceptance operator (including acquiring services, payment gateways and aggregators);
• actions (or inaction) of the banks participating in settlements, including blocking, freezing or return of a transfer under the bank’s internal rules, a request for additional documents from settlement participants, or exceeding transaction limits set by the payer’s bank;
• the Payer specifying incorrect details when paying or using unsupported payment instruments.

7.8. The Operator is not liable for any discrepancy between the Payer’s expectations and the Service provided by the Operator to the Merchant, the service provided by the Merchant to the Payer or the rights to an intellectual property object transferred by the Merchant, and (or) for the Payer’s subjective assessment thereof.

A discrepancy with expectations and (or) a negative subjective assessment are not grounds for considering the services to have been provided with poor quality or not in the agreed scope. Nor are the opinions of third parties that differ from the opinion of the Operator (its employees and (or) partners) such grounds.

7.9. Unless otherwise established by a mandatory rule or a separate agreement, the Operator does not compensate lost profits, indirect losses, loss of reputation or data. The Operator’s aggregate contractual liability is limited to the amount of its fee for the three calendar months preceding the event.

The limitation does not apply to intentional breach, unlawful use of confidential information, obligations to transfer funds belonging to the Merchant, and other cases where limitation is prohibited by the legislation of the Republic of Belarus.

7.10. The Merchant compensates the Operator’s documented losses, fines and expenses arising from unlawful activity, breach of the Operator’s Rules for the Provision of Payment Services. Rules of the payment system, inaccurate information, claims under the direct transaction or security breaches on the part of the Merchant.

7.11. The Operator independently and in full is responsible for the information placed on the Platform, including with regard to infringement of exclusive rights of third parties. If claims are brought against the Operator in connection with the non-compliance of information placed by the Merchant with the legislation of the Republic of Belarus, the Merchant undertakes to settle such claims independently and at its own expense. In addition, the Merchant undertakes to reimburse the Operator for all expenses incurred by it (including statutory and/or contractual penalties, administrative fines, etc.) caused by the above violations.

7.12. If claims, demands or lawsuits are brought against the Operator regarding infringement of the rights of third parties related to a breach of the Merchant’s obligations, the Merchant assumes the obligations to settle them and to compensate the Operator’s losses, should any arise.

7.13. All disputes and disagreements arising in connection with the conclusion, performance and termination of the Agreement are resolved by the Parties through negotiations.

7.14. If disputes and disagreements cannot be resolved through negotiations, they are referred to the court at the location of the Operator, applying the law of the Republic of Belarus.

7.15. Before filing a claim or application with the court, compliance with the pre-trial claim procedure is mandatory. The claim must be sent to the Operator’s e-mail address support@platio.by or to the Merchant’s e-mail address specified in the Personal Account, and must be considered no later than 15 (fifteen) business days from the moment the claim is received. Attaching to the claim copies of documents substantiating and confirming the claims made is not mandatory if the other Party has these documents.

7.16. Neither Party will be liable for complete or partial non-performance of its obligations if the non-performance is a consequence of force majeure circumstances. Force majeure circumstances mean circumstances of insurmountable force that arise after the conclusion of the Agreement: earthquakes, floods, other natural disasters, mass riots, strikes and other circumstances of an extraordinary nature that the Party could neither foresee nor prevent by reasonable and customarily taken measures. A prohibition, issued by the government and parliament, on performing the actions that constitute the content of the obligations also releases the parties from liability for non-performance or improper performance of obligations.

If any of the said circumstances directly affected the performance of an obligation within the period established in the Agreement, that period is postponed in proportion to the duration of the relevant circumstance.

7.17. A Party to the Agreement affected by circumstances of insurmountable force shall immediately (no later than 5 (five) days from the onset of the circumstances) notify the other Party of the impossibility of Performance of its obligations under the Agreement, as well as of the expected duration of such circumstances and their cessation.

8.1. This Agreement is concluded by the Merchant’s accession to this Agreement as a whole, without any conditions, exceptions or reservations (Art. 398 of the Civil Code of the Republic of Belarus).

8.2. The Agreement is deemed concluded, and the Merchant is deemed to have acceded to the Agreement as a whole without any conditions, exceptions or reservations, upon the Merchant performing all of the following actions in aggregate:

8.2.1. registration of the Merchant on the Platform;

8.2.2. completion of the Merchant questionnaire;

8.2.3. submission by the Merchant of documents in accordance with clause 3.2 of the Agreement;

8.2.4. successful completion by the Merchant of identification and verification;

8.2.5. confirmation of agreement with the Offer by ticking a box in the Personal Account;

8.2.6. activation of the Merchant’s account.

8.3. Acceptance of the Offer is deemed performed, and this Agreement is deemed concluded, at the moment the last of the actions specified in clause 8.2 of the Agreement is performed.

8.4. By performing Acceptance of the Offer in the manner determined by clause 8.2 of the Agreement, the Merchant confirms that it has read, agrees with, and fully and unconditionally accepts all the terms of the Offer in the form in which they are set out in the text of the Agreement.

8.5. Provided that the procedure for Acceptance of the Offer is complied with, this Agreement is deemed concluded in simple written form (clauses 2 and 3 of Article 404 and clause 3 of Article 408 of the Civil Code of the Republic of Belarus).

8.6. This Agreement is an adhesion contract but is not a public offer. The Operator is not obliged to conclude the Agreement with any person who applies.

8.7. The Operator has the right to unilaterally, out of court, change the terms of this Agreement, the Rules for the Provision of Payment Services, the Tariff Plans, the cost of other services and other terms.

8.8. The Operator gives notice of changes by posting a new version of the Agreement in the Personal Account or on the Site no later than 5 (five) calendar days before the date the changes take effect, unless a different period is required by law or by security considerations. The Merchant shall independently monitor such updates.

8.9. Continued use of the Personal Account by the Merchant, keeping Service Cards in active status, or performing other actions on the Platform after the notice period has expired is recognised by the Parties as the Merchant’s unconditional consent (acceptance) to the new terms and tariffs.

The Parties unconditionally agree that silence (the absence of written notices of disagreement with particular provisions of this Agreement) is recognised as the Merchant’s consent to and accession to the new version of this Agreement in the event that changes are made to the Agreement (clause 3 of Article 159 of the Civil Code of the Republic of Belarus).

8.10. If the Merchant disagrees with the new terms, the Merchant shall, before the date the changes take effect, deactivate (delete) the Service Cards in the Personal Account and send the Operator a notice of termination of the Agreement. In this case, all obligations that arose before the moment of termination must be fulfilled by the Merchant in full under the old terms of the Agreement.

8.11. The Parties may terminate the Agreement by mutual agreement at any time.

8.12. The Agreement is concluded for an indefinite term.

8.13. The Merchant may unilaterally refuse to perform the Agreement by sending a notice to the Operator at the Operator’s e-mail address support@platio.by at least ten calendar days in advance, provided that transactions are completed and debts are repaid.

8.14. The Operator may unilaterally refuse to perform the Agreement by notifying the Merchant via the Personal Account at least thirty calendar days in advance, unless a different period is dictated by law, a material breach, an unacceptable risk or the termination of the partner infrastructure.

8.15. The Operator may immediately suspend or terminate the provision of the Services to the Merchant upon detecting unlawful activity of the Merchant, inaccurate documents, sanctions risk, a security threat, insolvency, a significant increase in Chargebacks, a demand of a competent authority or a Partner Bank, or a material breach not remedied within the established period.

8.16. Termination of the Agreement does not cancel the obligation to complete Refunds, Chargebacks, settlements, checks and data storage. The reserve may be retained until the period of potential dispute of transactions expires.

8.17. Termination of the Agreement concluded on the basis of this Offer does not release the Merchant from the obligation to perform the direct transactions with Payers.

9.1. The Parties acknowledge that the Merchant’s authorisation in the Personal Account using its unique login and password (credentials) is proper confirmation of the Merchant’s identity. Any actions performed in the Personal Account under the Merchant’s credentials (including changing prices, participating in promotions, confirming orders, submitting withdrawal requests and sending notices) are deemed to have been performed by the Merchant and have legal force equivalent to paper documents bearing the handwritten signature of the Merchant’s authorised representative.

9.2. Documents sent by the Operator to the Merchant via the Personal Account (including certificates, sales reports, invoices and notices of changes to the Tariff Plan) are deemed received by the Merchant at the moment they are placed in the Personal Account and do not require mandatory duplication on paper or via third-party electronic document interchange (EDI) services, unless otherwise expressly provided by the Agreement or the legislation of the Republic of Belarus.

9.3. In addition to the method of sending documents specified in clause 9.2 of the Agreement, the Parties recognise the legal force of documents sent to the Operator’s e-mail address support@platio.by or to the Merchant’s e-mail address specified in the Personal Account. E-mails in the form of scanned copies sent by the Parties by e-mail are recognised as equivalent to paper documents bearing the handwritten signature of the Party’s authorised representative.

9.4. Information related to the conclusion, amendment and termination of this Agreement is deemed to have been brought to the Merchant’s attention if it is posted on the Site or in the Personal Account.

9.5. If there is a foreign element in the legal relations of the Parties governed by this Agreement, the applicable law is the law of the Republic of Belarus.

9.6. Integral parts of the Agreement are the Tariff Plan, the Merchant questionnaire, the rules of activated payment instruments, the technical documentation, the privacy policy, the AML/CFT policy and other documents expressly named as part of the Agreement.

Name

Platio Payment Technologies LLC

UNP

193968526

Certificate of state registration

No. 193968526, issued by the Minsk City Executive Committee on 18.02.2026

Address (postal and legal)

Minsk, Timiryazeva St. 121/3, room 21, Republic of Belarus

Contacts

Email

support@platio.by

Phone

+375 29 159-07-54

Working hours

Mon–Sun, 9:00–00:00

Platio Payment Technologies LLC is included in the Register of Payment Service Providers of the National Bank of the Republic of Belarus and carries out activities for the provision of payment services in accordance with the requirements of the legislation of the Republic of Belarus and the regulatory legal acts of the National Bank of the Republic of Belarus.

The Company complies with the established requirements for the activities of payment service providers and ensures the reliability and security of payment transactions, as well as proper protection of information and of the interests of users.

Payment service provider registration number

112.193968526.0-0-3-4-0-0-0-0-9

The Tariff Plan is drawn up for each Merchant in the Personal Account or in a separate document and must contain at least the following parameters:

• Activated services

  Value

  Determined upon connection

  Note

  Only within the scope of the register entry

• Payment instruments

  Value

  List of instruments

  Note

  Taking into account geography and currencies

• Fee

  Value

  Percentage and/or fixed amount

  Note

  Including applicable taxes

• Transfer period

  Value

  Business days / schedule

  Note

  Taking into account operating hours

• Minimum payout

  Value

  Amount and currency

  Note

  If applicable

• Limits

  Value

  Per transaction / day / month

  Note

  May be revised based on risk

• Reserve

  Value

  Amount and term

  Note

  If applicable

• Refunds

  Value

  Fee and procedure

  Note

  Under the rules of the instrument

• Chargebacks

  Value

  Fee and expenses

  Note

  Including system fines

• SLA

  Value

  Metric and exceptions

  Note

  If provided

• the order, invoice, contract or other document on the underlying transaction;
• a description of the goods or service and the terms in effect at the time of purchase;
• confirmation of delivery, activation, use or provision of the service;
• correspondence with the Payer and the outcome of the consideration of the Payer’s request;
• information on consent to the subscription, auto-renewal or refund terms;
• technical logs, IP address, device and authentication results to the permissible extent;
• other documents requested by the Operator, a Partner Bank or the payment system.

• Use only published API endpoints and current versions of libraries.
• Store keys on the server side in secure storage and rotate them regularly.
• Verify the digital signature of all callbacks/webhooks and the match of the amount, currency and order number.
• Apply idempotency keys and do not create a repeat delivery upon a duplicate notification.
• Do not log card details, CVC/CVV, passwords, authentication tokens or API secrets.
• Do not treat a client redirect as confirmation of payment; request the server-side status of the transaction.
• Restrict employee access on the principle of least privilege and review roles regularly.
• Report an incident to support@platio.by without undue delay, no later than 24 hours.