Osbisy Payments allows sellers to (a) accept payment by authorised credit and debit card transactions, some bank transfers services, PayPal (where available), transactions using Apple Pay, and transactions using Google Pay, (b) have those funds credited to a seller’s payment account with Osbisy, and (c) have those funds deposited into a seller’s designated bank account.

Osbisy Payments is only available to sellers who are at least 18 years old who register and are approved for a payment account with Osbisy. 

Sellers may only use Osbisy Payments for the sale of items listed on Osbisy’s Services, and agree to dispatch sold items once a payment transaction is complete and reflected in their payment account. Osbisy reserves the right to terminate a seller’s access to Osbisy Payments if the seller uses Osbisy Payments in any other manner.

Buyers may authorise a payment with any major credit or debit card accepted by Osbisy, with Osbisy Credits, by certain bank transfer services, or through PayPal (where available), Apple Pay, or Google Pay.

Osbisy has engaged third-party service providers to perform many of the services related to payment processing, including card processing, currency exchange, identity verification, fraud analysis and regulatory compliance.

Osbisy partners with Worldpay, PayPal and other licensed payment processors to facilitate card payments and other payments and the disbursement of funds to sellers. The provider and processing time for your payment will vary based on the country in which you're located. If there are insufficient funds in your bank account when our provider processes the payment for your purchase, Osbisy reserves the right to contact you directly and to seek payment.

Osbisy may share your personal or transactional information with those third-party service providers when it's necessary to process payments.

By using a third-party service, you may also be subject to an agreement with the third party. For example, PayPal is a third-party service provided by PayPal Holdings, Inc. and is subject to the PayPal User Agreement. Apple Pay is a third-party service provided by Apple Inc. and is subject to the Apple Pay Terms and Conditions. Google Pay is a third-party service provided by Google Payment Corp. and is subject to the Google Pay Terms of Service for US users, non-US users, and India residents.

If Osbisy receives notice that your shop's content or activity violates a third party's service agreement, we may at our sole discretion take action against your account to comply with their policies. Such actions may include cancelling a transaction, disabling listings from your shop, suspending your selling privileges or removing certain payment methods.

PayPal

Osbisy supports two versions of PayPal: integrated PayPal and standalone PayPal.

Integrated PayPal. In countries where PayPal is available, Integrated PayPal allows sellers to receive funds from PayPal purchases directly into their Osbisy payment account, without the need to manage a separate PayPal account. This means that if a buyer pays with PayPal, the funds from the order will be credited to a seller's payment account along with the rest of the orders. The standard Osbisy Payments Payment Processing Fee (described below) applies to orders that go through integrated PayPal; there is no additional PayPal fee.

Standalone PayPal. Standalone PayPal exists only for sellers in countries that are not yet eligible for Osbisy Payments and/or, in Osbisy's discretion, in some markets where it’s not an Osbisy requirement to use Osbisy Payments. Standalone PayPal will not be available to new sellers who join Osbisy if Osbisy Payments is available in that seller’s country. If this is the case, the seller will be required to register on Osbisy Payments as part of their onboarding to Etsy. For sellers accepting standalone PayPal, you will receive funds from PayPal purchases directly into your PayPal account. Sellers who accept standalone PayPal will continue to pay PayPal fees. Orders paid through standalone PayPal are not covered by Osbisy’s Seller Protection Program. Etsy reserves the right to allow certain sellers in countries that are eligible for Osbisy Payments to also use Standalone PayPal for a limited time. Please note, during this transition period, it may be necessary for Osbisy to process some PayPal transactions through integrated PayPal. For example, if a buyer chooses to pay with an Osbisy Credit and covers the remaining balance using PayPal, Osbisy can only process the transaction through integrated PayPal. Similarly, if a buyer purchases items from multiple shops in a single transaction and chooses PayPal as the payment method, Osbisy may have to process the transaction through integrated PayPal.

Osbisy Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in Osbisy’s Terms of Use.

As a security measure, we may impose transaction limits on buyers and sellers. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a seller: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a buyer to withdraw from a transaction.

Osbisy may refuse service of Osbisy Payments to anyone, for any reason, at any time.

Osbisy reserves the right to decline transactions that we believe to be high risk, fraudulent, or in violation of Osbisy’s Terms of Use.

In the event that a buyer does not make payment for the purchase of a legitimate item sold using Osbisy Payments (e.g., where the buyer used a stolen or unauthorised credit card), Osbisy may provide limited payment protection to the seller, in the interest of fairness. You can learn more about our Seller Protection Programme here.

Osbisy maintains records associated with transactions on Osbisy Payments and does not pass any secure data, including credit card numbers or bank account information, to any sellers. Sellers will only receive delivery information and limited buyer account information necessary to complete the order. Osbisy’s Privacy Policy further explains how Osbisy handles user information.

Osbisy will send you any relevant notices regarding your use of Osbisy Payments in accordance with our Electronic Communications Policy.

A. Use of Osbisy Payments. If you live in a country in which Osbisy Payments is available, you are required to sign up for Osbisy Payments, except as otherwise determined by Osbisy in its sole discretion. Using Osbisy Payments will result in your shop accepting payment through authorised credit and debit card transactions, some bank transfer services, PayPal, Apple Pay, and Google Pay. For you to sign up for Osbisy Payments and receive payment for transactions made through Osbisy Payments, you must provide all required information and complete all required steps for compliance purposes. Without this information, Osbisy can't pay you! You can find instructions about how to upload your bank account information here. If you live in a country in which Osbisy Payments is available and you do not provide Osbisy with this information, Osbisy may refuse you access to the Services until you do so.

B. Payment Accounts. A payment account allows sellers to track payment amounts, refunds, and fees related to transactions and seller services. Sellers must provide accurate personal information as requested during registration, and are responsible for maintaining and updating that information as necessary. Sellers will not impersonate any person or use any name they are not legally authorised to use. Sellers authorise us, and authorised agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the sellers. Osbisy verifies sellers’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.

Payment accounts are only available to individuals who are eligible to be sellers on Osbisy ’s Services and who have a valid credit or debit card on file with Osbisy, unless they are exempt from this requirement. Sellers who have bank accounts established in Austria, Germany, and the Netherlands are not required to have a credit card on file with Osbisy to have a payment account.

C. Disputes. Sellers agree to resolve any disputes directly with a buyer or with the assistance of the dispute management and refund tools available on Osbisy, and in accordance with our Seller Policy and Terms of Use. In the event that a dispute is escalated to Osbisy’s Support Team, Osbisy reserves the right to issue a refund to a buyer if a transaction is found to be in violation of Osbisy’s policies.

In the event that a buyer submits a chargeback, Osbisy will respond to the credit card networks on behalf of the seller involved in the transaction; the seller agrees to provide any requested information to us within five calendar days of the request. Osbisy reserves the right to recoup funds associated with buyer chargebacks.

D. Communications. We will inform sellers of each transaction, or of other information pertaining to Osbisy Payments, using our standard communication procedures (detailed in our Electronic Communications Policy), including by email or through Osbisy's Messages tool.

E. Refunds. Refunds or adjustments paid by Osbisy to buyers for payments made through Osbisy Payments may be initiated using the refund functionality in the seller's payment account for a period of 30 days after the purchase was made. The Osbisy Payments Platform does not have refund functionality after 30 days from the original purchase date. Any such funds paid by Osbisy to cover refunds will be deducted from the seller’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the seller’s credit card or added to the seller’s payment account. Refunds issued by Osbisy will be in the original form of payment, and if such payment is not available, an Osbisy credit will be issued.

Fully refunded transactions may be eligible for cancellation in accordance with our Cancellation Policy.

F. International Trade Laws. You agree that your use of Osbisy Payments will not involve any countries, entities, individuals or items prohibited by sanctions, embargoes, regulations or orders administered by UK Gov., the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies. See our Sanctions Policy for more information.

G. Information on Cardholder Charges. Please note that your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on Osbisy. These fees are not charged by Osbisy and are at the discretion of your bank. Please contact your bank for further details.

Each seller appoints Osbisy as its agent for the limited purpose of receiving, holding and settling payments to seller. Osbisy will settle payments that are actually received by Osbisy to each seller, less any amounts owed to Osbisy and subject to these Terms. Each seller agrees that a buyer payment received by Osbisy, on behalf of seller, satisfies the buyer's obligations to make payment to seller, regardless of whether Osbisy actually settles such payment to seller. If Osbisy does not settle any such payments as described in these Terms to a seller, such seller will have recourse only against Osbisy and not the buyer.

A. We reserve the right, in our sole discretion, to seek reimbursement from a seller in any of the following circumstances: (a) we provide a refund to a buyer because a seller did not promptly deliver the goods or we otherwise determine, consistent with Section 5 (Seller Rights and Responsibilities), that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a seller, (c) we receive a chargeback from a buyer's credit card issuer or reversal of payment for the amount of a buyer's purchase from a seller, or (d) a seller does not act in accordance with Osbisy’s policies.

B. We may obtain reimbursement of any amounts owed by a seller to Osbisy by deducting from future payments owed to the seller, reversing any credits to the seller’s payment account balance, charging the seller's credit card on file, charging the seller’s payment account, or seeking reimbursement from the seller by any other lawful means, including by using third-party collections services. You authorise us to use any or all of the foregoing methods to seek reimbursement. Osbisy may suspend your selling privileges at any time pending payment of your outstanding balance.

Sellers may terminate this contract and their acceptance of Osbisy Payments at any time by adjusting the Settings in their account with Osbisy. Osbisy may also terminate or suspend a seller’s use of Osbisy Payments at any time.

Upon termination, any non-disputed Available Funds will be deposited into a seller’s bank account. Osbisy reserves the right, upon termination of access to Osbisy Payments, to set off against any payments to be made to the seller, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments or other amounts that might be paid to buyers in connection with purchases from the seller's payment account for a prospective 30-day period. At the end of the 30-day period following termination, we will disburse to the seller any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to buyers, or seek reimbursement from the seller via any of the means authorised in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to buyers, as applicable.