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Terms and Conditions of the YooMoney Service

Annex No. 4.1. Additional Functionality of the YooMoney Service

1. Autopayments
1.1. The "Autopayments" function allows making Money Transfers at the Merchant's request by means of debiting the funds from the Payer's bank account or by reducing its balance of electronic funds on the basis of a previously given acceptance (autopayments/recurrent/repeated and other payments meeting the specified criteria, hereinafter jointly referred to as the "Autopayments").
1.2. The Merchant has the right to make the Autopayments only if there is a valid agreement concluded between the Merchant and the Payer in accordance with which the latter grants the Merchant the right to make the Autopayments.
1.3. The Merchant shall obtain the explicit and unambiguous consent of the Payer to connection of the Autopayments; in particular, the frequency and the basis of the Autopayments shall be specified. If an Autopayment is made using the Card, and the Issuer supports the technology of automatic updating of the сard data, the Payer shall be informed, in the event of re-issue of the Card, of an option of debiting the Autopayments from the re-issued Card.
The consent of the Payer is understood as the consent to repeated debit of the funds from the bank account or to reducing the balance of electronic funds, received via any of the methods provided by the applicable legislation, including but not limited to: a mark of compliance with the rules of debiting on the Merchant's website, confirmation by clicking on the button with the appropriate name in the pop-up window and so on. The signing of the document in hard copy is not required.
1.4. To connect the Autopayments, the Merchant, after obtaining the consent of the Payer in the process of payment for the Products, forwards the Payer to the Operator's Website (the Operator has the right to use i-frame or other technologies reflecting parts of the Operator's Website), where the Payer:
•Enters/checks information received from the Merchant about the payment transaction;
•Confirms once again its consent to activate the Autopayments;
•Enters payment details (if necessary);
•Is redirected by the Operator to the website of the Bank serving the Payer, for activation (including through 3D Secure protocol) and confirmation of the Money Transfer (if necessary);
•Carries out other actions in accordance with the conditions indicated on the corresponding page (if necessary).
1.5. If all the Payer’s actions specified in Clause 1.4 hereof are successful, the Operator shall send to the Merchant a Notification of the Money Transfer and activation of the Autopayments. The Autopayments shall be further made at the Merchant’s request without any additional confirmation by the Payer.
1.6. Informational and technological interaction between the Operator and the Merchant when activating and further making the Autopayments shall be carried out subject to the Information Exchange Protocol.
1.7. The amounts of the Autopayments are determined by the agreement between the Payer and the Merchant and may differ from the amount of the original Money Transfer, during making of which the Autopayments were activated.
1.8. If the Merchant has received an Autopayment request in accordance with the Information Exchange Protocol, the Operator considers this request legitimate and meeting the will of the Payer and the Merchant.
1.9. When refunding the original Money Transfer, during making of which the Autopayments were activated, the Autopayments remain available.
1.10. Any interaction with the Payer regarding the validity, legitimacy and other issues of conducting the Autopayments is made by the Merchant. The Merchant shall independently and at its own expense settle any claims of the Payers regarding the Autopayments.
1.11. The effect of subclause 6.4.9. of the General Terms and Conditions, and, if an Autopayment was made with the use of the Card, Clause 8 of the “Bank Cards” section of Annex No. 4 to these General Terms and Conditions on the Refund of Fraudulent and Invalid Transactions, as well as on the reimbursement of fines, fees and other payments paid in accordance with the PS rules, covers the Autopayments in full.
1.12. The "Autopayments" function can be activated for the Merchant under the procedure established by Clause 2.10 of the General Terms and Conditions. The activation of the function is not the Operator’s obligations, but the Operator’s right. The Operator is not responsible to the Merchant for the refusal and any consequences of the Operator's refusal to activate the "Autopayments" function, as well as the refusal of the Operator or the Bank serving the Payer to perform the Autopayment.
1.13. The Operator is entitled to deactivate the "Autopayments" function of the Merchant at any time without the Merchant notification.
1.14. The function is available for the following payment methods: Cards, Wallet, SberPay, FPS, and T-Pay.

2. Card Data Storage

2.1. The “Card Data Storage” functionality makes it possible, when transferring money to the Merchant, to display to the Payer, that is a client of such Merchant, the masked data of the Card, which was previously used for a Money Transfer to the Merchant, for facilitating the payment process.

2.2. The Card data shall be stored in the following order:
• The Merchant verifies the Payer and obtains its consent to store the Card data in YooMoney Service according to the procedure established by internal regulations of the Merchant and/or its agreement with the Payer;
• The Merchant transfers to the Operator a request for Payer’s Card data storage according to the procedure established by the Information Exchange Protocol;
• After redirecting the Payer to the Operator’s Website for making a Money Transfer, the Operator requests a Payer’s consent to store the Card data;
• If the Payer’s consent is obtained, and the payment process is successfully completed, the Operator returns to the Merchant an identifier, assigned to such Payer, using the Information Exchange Protocol;
• If the Payer refuses to store the Card data, and/or if the payment process has failed, the Operator transfers to the Merchant a refusal to store the Card data using the Information Exchange Protocol;
• Subsequently, if the Payer that has given its consent to store the Card data initiates a purchase of the Merchant’s Product, the Merchant transfers to the Operator the identifier of such Payer, previously received from the Operator, according to the procedure established by the Information Exchange Protocol;
• The Operator displays to the Payer the masked data (number, validity date) of the Card that was previously used for a Money Transfer, and requests a 3D Secure and/or CVV2/CVC2 code from the Payer in order to complete the payment.

2.3. The functionality makes it possible to store the data of several Cards for the same Payer.

2.4. The Payer has the right to add, edit and delete the stored Card data when making a payment on the Operator’s Website.

2.5. In case of refund of a payment, for which the Card data have been stored, such data shall not be deleted, and will be displayed to the Payer provided that the Operator receives a Payer’s identifier from the Merchant.

2.6. The Operator shall at no time transfer to the Merchant the data of the stored Cards, and any information on adding, editing or deleting of the stored Cards.

2.7. Subclause 6.4.9. of the General Terms and Conditions and Clause 8 of the Bank Cards section of Annex No. 4 to the General Terms and Conditions on the refund of amounts of Fraudulent Transactions and Invalid Transactions, and on the reimbursement of fines, commissions and other payments made in accordance with the PS Rules and Regulations shall apply to the payments made using the stored Cards to the full extent.

2.8. The Merchant represents and warrants to the Operator as follows:
• T• The Merchant uses a sufficiently reliable and stable client verification system that makes it possible to reliably identify the client accessing the Merchant’s service as an owner of the account profile or other means of client identification in the Merchant’s system;
• T• The Merchant compares and keeps a record of Payers’ identifiers received from the Operator in accordance with Clause 2.2 of this Annex No. 4.1;
• The Merchant transfers to the Operator a Payer’s identifier in the Money Transfer request for displaying to it the data of the stored Card only after such Payer is verified and it is established that the payment is made by an individual, who has given their consent to store the Card data and in respect of whom the Merchant has received a corresponding identifier from the Operator;
• The Merchant shall comply to the full extent with the requirements and warranties established by Clause 14.4 of the General Terms and Conditions when transferring the Payers’ Data to the Operator.

2.9. The Merchant shall independently and at its own expense consider and resolve any claims of the individuals related to the use of “Card Data Storage” functionality, including any claims related to the displaying of Card data to an unauthorized person and making a Money Transfer using a stored Card by an unauthorized person.

2.10. No later than within three (3) Working Days from the date of the Operator’s request, the Merchant shall provide the documents confirming the performance of its obligations and compliance with its warranties, documents related to the claims of the individuals or requests from public authorities, and compensate the Operator for all losses arising due to non-performance or improper performance by the Merchant of its warranties and other obligations, including the ones that result from any claims, actions, orders or other requirements of the public authorities, Cards holders or any other persons made by them against the Operator.

2.11. The “Card Data Storage” functionality may be enabled to the Merchant according to the procedure established in Clause 2.10 of the General Terms and Conditions. The Operator has the right, but is not obliged to, enable the functionality. The Operator is not responsible to the Merchant for the enabling of, and for any consequences of the Operator’s refusal to enable the “Card Data Storage” functionality as well as for any consequences of the Operator’s or corresponding Card Issuer’s refusal to make a Money Transfer using a stored Card.

2.12. The Operator may, upon its own initiative, enable the “Card Data Storage” functionality for certain Merchants determined by the Operator. In this case, the Merchant’s transfer of the first request for Card data storage using the Information Exchange Protocol shall be deemed a Merchant’s acceptance of an offer to use such functionality, as well as the Merchant’s express and unconditional agreement with the terms and conditions of this Section 2 of Annex No. 4.1.

2.13. The Operator has the right to disable the “Card Data Storage” functionality at any time without notification of the Merchant.

3. Deferred payment (holding)
3.1. When the Merchant uses YooMoney API as an Information Exchange Protocol, "Deferred Payment (holding)" function becomes available to him. The procedure for using this function and the payment methods for which the function is available are described in the YooMoney API.
3.2. If the Merchant uses the HTTP protocol as Information Exchange Protocol, the "Deferred payment (holding)" function may be activated for the Merchant as per the procedure established in Clause 2.10 of the General Terms and Conditions. The activation of this function is not the Operator’s obligations, but the Operator’s right. The Operator is not responsible to the Merchant for a refusal to activate the function. The Operator has the right to deactivate the function at any time without explanation, by sending a notice to the Merchant via e-mail no later than the day of deactivation.
The "Deferred payment (holding)" function in HTTP protocol allows to postpone the payment of the Payer at the time of them ordering the Products and if paying for the Products with a Card for a period of up to seven (7) days, during which the sum equal to the value of the Products will be blocked on the Payer's Card. The use of this function is initiated by the Merchant.
Within the "Deferred payment (holding)" function when the Payer makes a transaction using the Card for payment for the Products, the Operator notifies the Merchant by MWS about the conduction of such operation. After Operator’s sending of the notification to the Merchant, the sum equal to the value of the Products is blocked on the Payer's Card for a period of up to seven (7) days.
The Merchant shall have the right to confirm receipt of the Money Transfer within seven (7) days from the date of receipt of the notification from the Operator or refuse to receive the Money Transfer via MWS or the Merchant Profile.
Upon the Merchant’s confirmation of the receipt of the Money Transfer, the Operator shall notify the Merchant in accordance with the procedure established by MWS and inform the Acquirer/PS of the need to write off the funds from the Payer's Card. If the Merchant refuses to receive the Money transfer or his not sending of any notice within 7 days, stipulated in the fourth paragraph of this Clause 3.2, the Operator shall inform the Acquirer/PS of the need to release money on the Card.
The Operator's duty to transfer the Money Transfer arises from the date when the Operator sends the Notification about Money Transfer in accordance with MWS and is executed within the timeframes specified in Clause 6.2. of the General Terms and Conditions.
3.3. Regardless of the Information Exchange Protocol used by the Merchant, the Operator may cancel the Deferred payment at any time prior to the confirmation of receiving the transfer by the Merchant. In this case, the Operator notifies the Merchant on Payment Cancellation by means of the Information Exchange Protocol, e-mail or other means established by General Terms and Conditions for the information exchange of the Parties within three (3) days.

4. Technical solution for interaction with the Merchant's cash register equipment
4.1. The Operator provides the Merchant with a technical solution to ensure the transfer of data necessary for the formation of the cash receipt to the Merchant's cash registers.
4.2. For using the Operator's technical solution, the Merchant needs to do the following on his own and at his own expense:
• to purchase cash register equipment from the Operator's partner; information about the partners implementing the cash register equipment compatible with the operator's SHC is posted on the Operator's Website and in the Merchant Profile;
• to register cash registers with the tax authority;
• to sign a contract with the operator of fiscal data;
• to make the necessary settings in the Merchant Profile, including specify the type of cash registers used;
• to transfer to the Operator the additional data stipulated by the Information Exchange Protocol and necessary for formation of the cash receipt at settlements.
4.3. If all the requirements of Clause 4.2 of this Annex No. 4.1 to the General Terms and Conditions are met, the Operator shall ensure the transfer of the data necessary for the formation of the cash receipt on the settlements made using the YooMoney Service, in the amount specified in the Information Exchange Protocol, to the Merchant's cash registers.
4.4. The Operator is not the operator of fiscal data, nor the manufacturer nor seller of cash registers and fiscal drives, it does not form cash receipts and does not send them to buyers, to the operator of fiscal data or to the tax authority.
4.5. Relations between the Merchant and the seller of cash registers, as well as between the Merchant and the operator of fiscal data are regulated by separate contracts and do not give rise to any obligations for the Operator.
4.6. The Operator is not responsible for the actions or omissions of the technical solution implementation partners who are specified on the Operator’s Website, the operators of fiscal data that entered in a contract with the Merchant, for the completeness and reliability of the data received from the Merchant and transmitted to its cash registers for the formation of a cash receipt, as well as for technical failures, as a result of which the data for the formation of cash receipts were not transmitted to the Merchant’s cash register equipment.
4.7. The Merchant is obliged to check the operation of its cash registers, the correctness of the generated cash receipts, as well as their proper sending to the buyers and to the operator of fiscal data.
If for any reasons, including technical failures on the side of the Operator, its partners, manufacturers of cash register equipment, operator of fiscal data, the technical solution of the Operator does not allow to form and transmit a cash receipt to the operator of fiscal data and the customer, the Merchant shall do it independently, without using the technical solution of the Operator.

5. Features of Money Transfers acceptance in payment for the Products sold using the Marketplace

5.1. The Marketplace Moderator and third-party Merchants/Providers may sell their Products using the Marketplace. The Merchants and Providers may use the Marketplaces for the Products remote sale under the conditions agreed upon with the Marketplace Moderator.

5.2. The obligations between the Merchant/Provider and the Marketplace Moderator in connection with the Products sale are governed by a contract between them. The Operator is not a party to such contracts and is not responsible for non-performance or improper performance by the Marketplace Moderator of its obligations to the Merchant/Provider.

5.3. The Operator enters into a Contract, stipulated by the General Terms and Conditions for Merchants or Providers (depending on its legal capacity), with the Marketplace Moderator where both its own Products and the products of other persons are sold using the Marketplace. In the Contract, it is specified that the Merchant/Provider is also the Marketplace Moderator.
A contract may be concluded with the Marketplace Moderator who sells the Products of other persons using the Marketplace:
• a contract stipulated by the General Terms and Conditions for the Agents, if the Marketplace Moderator also operates to attract the Merchants to the YooMoney Service (in this case, the contract indicates that the Agent is also the Marketplace Moderator);
• a contract, not stipulated by the General Terms and Conditions.

5.4. Information that the Merchant or the Provider uses the Marketplace to sell the sale Products, and the Marketplace Moderator’s name, is in the Contracts concluded by the Operator with the said Counterparties.

5.5. Informational and technical interaction with the Operator on behalf of the Merchant/Provider that sells the Products using the Marketplace is carried out by the Marketplace Moderator in accordance with the YooMoney API. The Marketplace Moderator is considered to be a person engaged by the Merchant/Provider for informational and technical interaction with the Operator under the conditions specified in Clauses 2.8, 6.1.8 of the General Terms and Conditions.

5.6. The Marketplace Moderator does not participate in the Money Transfer for the Products cost that are sold by other persons.

5.7. The following provisions of the General Terms and Conditions apply to the Agent-Marketplace Moderator:
5.7.1. requirement for the Collateral provision established by Clause 7.5. of the General Terms and Conditions;
5.7.2. requirement for the obligation performance arising in Money Transfers for the Products sold using the Marketplace:
• for reimbursement of the Fraudulent and Invalid Transactions amounts (sub-clause 6.4.9 of the General Terms and Conditions);
• for compensation of fines and other PS payments (sub-clause 6.4.9. of the General Terms and Conditions and Clause 8 of the “Bank Cards” of Appendix No. 4 to the General Terms and Conditions);
• for provision of documents upon the Operator’s request (sub-clauses 6.1.9, 6.1.10 of the General Terms and Conditions, Clause 7 of the "Bank Cards" of Annex No. 4 to the General Terms and Conditions);
• for the fine payment provided for in Clause 13.19 of the General Terms and Conditions;
• for the fine payment provided for in Clause 13.20 of the General Terms and Conditions.

5.8. The provisions of sub-clause 8.2.7 of the General Terms and Conditions regarding Merchants selling Products using the Marketplace shall not apply to the Agent that is the Marketplace Moderator. The Agent that is the Marketplace Moderator reserves the right to receive remuneration for involving these Merchants during the entire term of the Contract concluded between the Operator and the Merchant.

5.9. The Marketplace Moderator and all the Merchants/Providers who sell the Products using the Marketplace shall bear joint obligations to the Operator:
• for reimbursement of the Fraudulent and Invalid Transactions amounts in accordance with subclause 6.4.9 of the General Terms and Conditions;
• for compensation of fines and other PS payments in accordance with subclause 6.4.9. of the General Terms and Conditions and Clause 8 of the “Bank Cards” of Appendix No. 4 to the General Terms and Conditions;
• for provision of documents upon the Operator’s request in accordance with subclauses 6.1.9, 6.1.10 of the General Terms and Conditions, Clause 7 of the "Bank Cards" of Annex No. 4 to the General Terms and Conditions;
• for the fine payment provided for in Clause 13.19 of the General Terms and Conditions;;
• for the fine payment provided for in Clause 13.20 of the General Terms and Conditions.
Joint obligations arise in connection with the Money Transfer for the Products cost that are sold using the Marketplace, regardless of who of the joint debtors is the recipient of this Money Transfer.

5.10. The Marketplace Moderator guarantees and represents the Operator of the following:
• the Marketplace Moderator has all the required rights and powers to moderate the Marketplace and organize the Products sale thereon;
• the Marketplace Moderator meets with all the requirements of the laws established for such activity;
• the Marketplace is used legally and does not violate the rights of third parties;
• in the process of paying for the Products sold using the Marketplace, the Marketplace Moderator explicitly displays to the Payer a complete and reliable information on the Merchants in whose favor the Money Transfer is made before Marketplace Moderator confirms the Money Transfer.
If the Marketplace Moderator provide the Operator with the Data of persons who would like to connect to the YooMoney Service, the Marketplace Moderator shall also comply with the guarantees provided for in Clause 14.4 of the General Terms and Conditions.
The Marketplace Moderator shall, not later than three (3) Business Days from the date the Operator sends the request, provide the documents confirming the performance of the obligations and guarantees set forth in this Clause and pay the Operator for any losses arisen from non-performance or improper performance of these obligations and guarantees, including as a result of claims, lawsuits, orders or other requirements presented to the Operator by state authorities, Payers, Merchants or any other persons, by the Marketplace Moderator.

6. Specifics of settlements under deals made by individuals in the Purchase Protection Service

6.1. The obligations of individuals and the PPS Moderator regarding the use of the Purchase Protection Service are regulated by a contract concluded between the specified persons. The Operator is not a party to such contracts and is not responsible for the PPS Moderator’s non-fulfillment or improper fulfillment of its obligations to the individuals that use the Purchase Protection Service.

6.2. The Operator enters into a Contract with the PPS Moderator that is provided in the General Terms and Conditions for the Merchants or the Providers (depending on its legal capacity). The legal relations between the Operator and the PPS Moderator are regulated by the General Terms and Conditions, taking into account the specifics set out in the present Section 6 of Annex No. 4.1.

6.3. The legal relations between the Operator and the individuals that are parties to deals made in the Purchase Protection Service are regulated by the agreement posted on the Operator's Website with URL https://yoomoney.ru/page?id=527874.

6.4. Settlement participants in the Purchase Protection Service are:
• Buyer that is an individual who intends to purchase a Product, information about which is posted on an information resource of the PPS Moderator. The Buyer is a Payer of a Money Transfer, the amount of which constitutes a price of the Product, that is due to be performed in favour of the Seller, as well as a Payer of a Money Transfer, the amount of which constitutes a remuneration of the PPS Moderator for use of the Purchase Protection Service by the Buyer;
• Seller that is an individual who intends to sell the Product, information about which was posted by it on the information resource of the PPS Moderator. The Seller shall receive a part of the Money Transfer that constitutes the price of the Product;
• The PPS Moderator is a Recipient of a part of the Money Transfer that constitutes its remuneration paid by the Buyer for its use of the Purchase Protection Service.
The terms "Buyer" and "Seller" shall hereinafter have the meanings given in this Clause 6.4.

6.5. Settlements in the Purchase Protection Service are carried out by writing off the Money Transfer amount, which includes the price of the Product and the PPS Moderator’s remuneration, from the Card, Wallet, other electronic payment means, or a bank account of the Buyer and by a subsequent crediting the price of the Product to the Seller’s Card or Wallet, and the PPS Moderator’s remuneration — to its bank account.

6.6. Informational and technological interaction between the Operator and the PPS Moderator during the transfer of any information regarding settlements in the Purchase Protection Service shall be performed in accordance with the Information Exchange Protocol.

6.7. In order to write off the Buyer’s funds, the PPS Moderator transmits to the Operator the following data, which the Operator displays to the Buyer on the checkout page: the amount to be written off from the Buyer, broken down by the price of the Product and the PPS Moderator’s remuneration, and the Seller's identifier.

6.8. A decision on crediting the price of the Product to the Seller's Card or Wallet or returning it to the Buyer is made by the PPS Moderator, who therefore sends a corresponding request to the Operator via the Information Exchange Protocol. The Operator executes this request in accordance with the PPS Moderator’s instructions.

6.9. The settlements under the deal made in the Purchase Protection Service shall be completed within a period specified in the Application/Contract concluded between the Operator and the PPS Moderator, but no more than 180 days.
If within the specified period the PPS Moderator fails to send to the Operator any of the requests specified in Clause 6.8 of the present Annex No. 4.1, the Operator shall return the amount that constitutes the price of the Product to the Buyer.

6.10. The part of the Money Transfer amount, which constitutes the PPS Moderator’s remuneration paid by the Buyer for its use of the Purchase Protection Service, is transferred by the Operator to the PPS Moderator in accordance with the procedure established by subclause 6.2.5 of the General Terms and Conditions, within two (2) Working Days from the date of sending of one of the following notices to the PPS Moderator by the Operator:
• on writing off the funds from the Buyer; in this case, when the price of the Product is returned to the Buyer on the grounds specified in the second paragraph of Clause 6.9 of the present Annex, the PPS Moderator’s remuneration is not returned to the Buyer;
• on crediting the funds to the Seller's Card or Wallet; in this case, when the price of the Product is returned to the Buyer on the grounds specified in the second paragraph of Clause 6.9 of the present Annex, the PPS Moderator’s remuneration is not to be transferred to it and is returned to the Buyer.
An identifier of one of the abovementioned events, after which the PPS Moderator’s remuneration paid by the Buyer shall be transferred to the PPS Moderator for the Buyer’s use of the Purchase Protection Service, is specified by the PPS Moderator in the request for writing off the Buyer’s funds.

6.11. The Operator's remuneration paid by the PPS Moderator under their Payment and Processing Service Contract is calculated based on the total amount written off from the Buyer and includes the price of the Product and the PPS Moderator’s remuneration paid by the Buyer for its use of the Purchase Protection Service.
Refund of the total amount of the Money Transfer or its part, constituting the price of the Product, to the Buyer does not entail the Operator's obligation to return to the PPS Moderator the remuneration amount received by the Operator for performance of this Money Transfer.
The Operator's remuneration is deducted from the Money Transfer amount that constitutes the PPS Moderator’s remuneration paid by the Buyer for its use of the Purchase Protection Service. If the Money Transfer amount paid to the PPS Moderator is insufficient, the Operator's remuneration is deducted from a Collateral amount provided by the PPS Moderator to the Operator in accordance with the procedure established by Clause 6.12 of the present Annex. In this case, the Operator’s remuneration is deducted from the Collateral no later than the day on which the PPS Moderator has requested the Operator to refund the Buyer for the Money Transfer. If the Collateral is insufficient for deducting the remuneration in full, the PPS Moderator shall transfer the amount of the outstanding remuneration to the Operator within three (3) Working Days from the date on which the Operator sends the PPS Moderator the corresponding request.

6.12. To ensure fulfillment of the monetary obligations that may incur in regard to the Operator, the PPS Moderator shall transfer the Collateral to the Operator in the amount determined by the PPS Moderator within five (5) Working Days from the date of conclusion of the Payment and Processing Service Contract with the Operator. Thereafter, the PPS Moderator replenishes, if necessary, the Collateral amount at its own discretion. The Operator may demand at any time to increase the Collateral to the amount specified by the Operator.
The Collateral amount is to be transferred to an account opened by the Operator for the Collateral by a payment order, indicating the following purpose of payment: "The Collateral amount under the Contract [number and date of the Contract]. Without VAT".

6.13. The PPS Moderator warrants and represents to the Operator that:
• The PPS Moderator has all necessary rights and legal powers to provide services to individuals within the Purchase Protection Service;
• The PPS Moderator meets all legal requirements established for such activities;
• Use of information resources (website, mobile application, etc.) for the Purchase Protection Service is carried out legitimately and does not violate any rights of third parties.

6.14. The PPS Moderator shall provide the Seller and the Buyer with the following information prior to making of the deal:
• full and accurate information about the PPS Moderator, the party to the deal (the Seller/the Buyer), the price of the Product, and the amount of the PPS Moderator’s remuneration;
• operator's legal offer addressed to the Seller and the Buyer, the text of which is posted at https://yoomoney.ru/page?id=527874, if the technical integration of the PPS Moderator with the Operator's SHC provides for the Buyer to enter details of its payment means on information resources of the PPS Moderator in order to make a Money Transfer.

6.15. The PPS Moderator shall handle and resolve any claims of the Seller or the Buyer related to use of the Purchase Protection Service on its own and at its own expense, including claims regarding a Money Transfer amount written off from the Buyer, the price of the Product, the PPS Moderator’s remuneration, crediting of the price of the Product to the Seller's Card/Wallet or its refund to the Buyer, incorrect display of the Seller's data and the Money Transfer amount to the Buyer.

6.16. The PPS Moderator shall, within three (3) Working Days from the date of the Operator’s sending of a relevant request, provide documents confirming fulfillment of its obligations and warranties, and documents related to the claims of individuals or requests from state bodies, and reimburse the Operator for any losses incurred by the Operator in connection with the PPS Moderator’s non-fulfillment or improper fulfillment of its obligations and warranties, including losses resulted from any claims, actions, orders or other requests filed by state bodies, the Buyers, the Sellers or any third parties against the Operator.

6.17. The PPS Moderator may activate the “Autopayments” function subject to the terms and conditions of Section 1 hereof.

6.18. If a Money Transfer (including an Autopayment) in the Purchase Protection Service is recognized as a Fraudulent or Invalid Transaction in whole or in part – in the amount of the PPS Moderator’s remuneration and/or the price of the Product– the PPS Moderator shall reimburse the Operator for the amount of such Fraudulent/Invalid Transaction in accordance with Clause 6.4.9 of the General Terms and Conditions.

6.19. The Operator may deny crediting funds to the Seller’s Card or Wallet, if such crediting results in a breach of the requirements of the laws of the Russian Federation, regulations of the Bank of Russia, terms of use of the Wallet or cannot be made for reasons beyond the Operator’s control, including closing the Seller’s Card or Wallet.

When doing so, the Operator shall not be regarded as breaching the Payment and Processing Service Contract entered into by it with the PPS Moderator, or the laws of the Russian Federation, and it may not serve as a ground for imposing any liability upon the Operator.

7. Payment Package

7.1. The Payment Package is a scope of services rendered by the Operator under the Contract on the Informational and Technological Interaction related to Transfers entered into with the Merchant (Contract) the price of which is expressed as a fixed amount.

7.2. Types of the Payment Packages offered by the Operator:

Scope of services (the total amount of Money Transfers)Price Payment methods
covered by the
Payment Package		Period of validity of the Payment Package
100,000 Russian rubles1 Russian rubleYooMoney
Bank cards		14 days from the connection date
50,000 Russian rubles1,290 Russian rublesYooMoney
Bank cards
SberPay		90 days from the connection date
120,000 Russian rubles2,490 Russian rubles
240,000 Russian rubles3,490 Russian rubles

7.3. The offer of the Operator to enable the Payment Package does not represent a public offer. The Operator is entitled to refuse the Merchant to enable the Payment Package without giving reasons for such a refusal.

7.4. The following categories of the Counterparties are not eligible for the Payment Package use
• Non-resident Merchants;
• Providers;
• Merchants who entered into one or more Contracts with the Operator with the aggregate amount of Money Transfers totaling Seventy thousand (70,000) rubles and more;
• Merchants for whom the Payment Package has been already enabled;
• Merchants who are selling Products using the Marketplace administered by a third-party Marketplace Moderator.
The Operator is entitled to define at its own discretion other criteria for Merchants that cannot be enabled to the Payment Package.
The Operator may, at its own discretion, determine the groups of the Merchants to which one or another type of the Payment Package is available for connection.

7.5. The procedure for enabling the Payment Package:
7.5.1. The Payment Package is enabled to the Merchants who have entered into the Contract with the Operator.
7.5.2. The offer of the Operator to enable the Payment Package published on the Operator’s Website in the Merchant Profile or sent by e-mail is deemed to be an offer of the Operator to amend the Contract concluded with the Merchant in respect of the Operator’s remuneration and the procedure for the payment thereof.
7.5.3. The acceptance of the offer is implied upon the Merchant’s actions of the selection of the Payment Package and the payment for it.
7.5.4. The Payment Package shall be effective (the services shall be provided as set forth in Clause 7.7. hereof) from the date following the date of the Operator’s offer acceptance by the Merchant. Starting from the same date, the Contract concluded between the Operator and the Merchant is deemed amended in terms of the amount and procedure of the payment of the Operator’s remuneration for the period specified in Clause 7.8. hereof.

7.6. The Payment Package may not be enabled to the Merchant more than once.

7.7. The terms of services provision when the Payment Package is enabled:
7.7.1. The price of the Payment Package is the remuneration payable to the Operator for rendering informational and technological services in collection, processing and transfer of the information on Money Transfers in the amount determined by the Payment Package to the Merchantй.
The price of the Payment Package is exempt from VAT under sub-clause 4 of Clause 3 of Article 149 of the Russian Tax Code.
7.7.2. The Operator does not charge remuneration from the Merchant as stipulated under the Contract or Application in regard to the Money Transfers made within the limits defined by the Payment Package.
7.7.3. The amount of Money Transfers within the scope of the services rendered under the Payment Package is calculated cumulatively starting from the effective date of the Payment Package.
Each Money Transfer in favor of the Merchant, including refunded Money Transfers, reduces the scope of services paid for under the Payment Package.
7.7.4. The Payment Package covers the Money Transfers made using the methods specified in Clause 7.2 of this Annex.
When making Money Transfers via any other methods, the Operator charges remuneration in the amount established under the Contract or Application.

7.8. The Payment Package shall be terminated at the moment the Merchant’s using up the scope of services under the respective package or upon the expiration of the period of validity of the Payment Package specified in Clause 7.2 of this Annex, whichever comes earlier.

The suspension of SHC operation and informational and technological servicing of the Merchant under the General Terms and Conditions shall not interrupt the term of the Payment Package provision stipulated herein.

7.9. The Payment Package is enabled on the terms of the subscriber’s contract. After the expiration of the term of the Payment Package provision, the Merchant is charged with the remuneration provided for under the Contract or Application. If the Payment Package has been disabled due to the expiration of its term, this provision is applicable to the relations of the Operator and the Merchant irrespective of whether or not the Merchant obtained the services under the Payment Package in full.

7.10. The Merchant is entitled to withdraw from the Payment Package and claim the refund of its price.

7.11. In case of termination of the Contract the Payment Package is not refunded to the Merchant.

7.12. If the Money Transfer used to pay for the Payment Package has been recognized as Fraudulent or Invalid Transaction, the Payment Package is disabled and the Merchant must pay for the services of the Operator rendered during the effective period of the Payment Package at the rate established by the Contract or Application. The Operator is entitled to deduct the remuneration for such services from the money to be transferred to the Merchant. If the funds are insufficient to make the deduction in full, the Operator is entitled to deduct the remaining amount from the Collateral (if any) or demand the Merchant to transfer the outstanding amount within three (3) Working Days from the date of the receipt of the Operator’s corresponding demand.

7.13. For the purposes of carrying out advertising and marketing campaigns, the Operator shall have the right to establish other types of the Payment Packages, with other copes of services and prices, the terms of which may differ from those described in this Section 7 of Annex 4.1 to these General Terms and Conditions. In this case, this Section shall apply insofar as it does not contradict the terms of the advertising and marketing campaigns that establish other types of the Payment Packages.

8. Auto-Sending of Receipts

8.1. The Auto-sending of receipts is a service provided by the Operator under the Contract on the Informational and Technological Interaction related to Transfers (the Contract) entered into with the Merchant, which is an individual applying the special tax regime “Self-employment Tax”.

8.2. The Auto-sending of receipts includes the following services provided by the Operator to the Merchant:
• transfer of information about the Money Transfers accepted in favor of the Merchant to the tax authority through the Moi Nalog mobile application;
• generation of receipts in the Moi Nalog mobile application upon the fact of making the Money Transfers in favor of the Merchant and transfer of receipts to the Payers in electronic form;
• transfer of information about the Payment Refunds to the tax authority through the Moi Nalog mobile application.

8.3. The procedure for connecting the Auto-sending of receipts:
8.3.1. The Auto-sending of receipts can be enabled for the Merchants, which are individuals who apply the special tax regime “Self-employment Tax” and have concluded the Contract with the Operator.
8.3.2. The Operator's offer to connect the Auto-sending of receipts, posted on the Operator's Website or in the Merchant Profile, is recognized as the Operator's offer to connect the Service on the terms specified in this Section 8 of Annex 4.1.
8.3.3. The acceptance of the offer shall be deemed to be the implicit actions of the Merchant to grant the Operator in the Moi Nalog mobile application rights to perform the actions specified in Clause 8.2 of this Annex 4.1. The Operator shall determine the scope of necessary rights and notify the Merchant of it in the Moi Nalog mobile application.

8.4. The Auto-sending of receipts shall be disabled as soon the Merchant revokes the rights previously granted to the Operator in the Moi Nalog mobile application, or the Merchant ceases to apply the special tax regime “Self-employment Tax”.

8.5. Conditions for the provision of the Auto-sending of receipts Service:
8.5.1. The Operator shall provide the services listed in Clause 8.2 of the present Annex 4.1 from the moment the Merchant grants the relevant rights to the Operator in the Moi Nalog mobile application until the moment specified in Clause 8.4 of Annex 4.1.
8.5.2. Information on the Payment Refunds made prior to the moment of the Service connection is not provided to the tax authority through the Moi Nalog mobile application thereunder.
8.5.3. Due to the fact that the Operator does not have information on whether the Cardholder is an individual or a legal entity, the Operator, therefore, for the purposes of the submission to the tax authority of information about Money Transfers made using the Cards, indicates the Payer as an individual.
8.5.4. The Merchant shall transfer to the Operator additional data set forth under the Information Exchange Protocol and necessary for the formation and sending of a receipt for the settlements.
8.5.5. In the event the Merchant makes a request for a partial Payment Refund, the Operator submits to the tax authority information on the full Payment Refund and, concurrently, on the receipt in favor of the Merchant of an amount equal to the difference between the amount of the initial Money Transfer and the amount of the partial Payment Refund.

8.6. The Operator's remuneration for the provision of services within the Auto-sending of receipts Service shall be one point two percent (1.2%) of the amount of each Money Transfer made in favor of the Merchant. The remuneration includes VAT at the rate established by law.

The remuneration is charged for each Money Transfer made in the period from 00 hours 00 minutes of the day following the day on which the Merchant provided the Operator with the relevant rights in the Moi Nalog mobile application and until 23 hours 59 minutes of the day on which the Merchant revokes these rights or terminates the application of the special tax regime “Self-employment Tax”.

8.7. Acceptance of services rendered by the Operator within the Auto-sending of receipts Service shall be made upon agreement of the Parties under Clause 6.3 hereof on the Certificate on Services Rendered, that shall state, inter alia, the amount of the Operator's remuneration for the provision of the Service.

8.8. The Operator shall not be held liable for any losses caused to the Merchant due to the unavailability of the Moi Nalog mobile application or technical errors in its operation, as well as related to the Merchant's transfer to the Operator of incomplete and/or inaccurate data for generating and sending a receipt.

9. Receipts from YooMoney

9.1. General provisions

9.1.1. Receipts from YooMoney is a service provided by the Operator and the Payment Aggregator to legal entities and individual entrepreneurs acting as the Merchants under the YooMoney Service on the basis of the Contract on the Informational and Technological Interaction related to Transfers (the Contract) to be entered into by and between the Merchant, the Operator and the Payment Aggregator under the General Terms and Conditions.
9.1.2. For the purposes of this Section 9 the following terms are used with the following meanings:
• Place of Settlement on the Internet – the place of payment of the Payer for the Products sold by the Merchant, which is the site registered as the place of settlement of the User of cash registers, yoomoney.ru
• User of Cash Registers (User) – the Payment Aggregator that provides the Merchant with a range of services within the framework of the “Receipts from YooMoney” Service, consisting of a service provided to the Merchant by the Payment Aggregator on behalf of the Operator as a Payment Aggregator involved in the transfer of funds to the Merchant, and services provided to the Merchant by the Payment Aggregator as the Merchant’s agent responsible for accepting into its special bank account the funds from the Payer transferred in favor of the Merchant for the Products sold by the Merchant to the Payer when making settlements on the Internet
• Cashless Settlements on the Internet - cashless settlements that exclude the possibility of direct interaction between the Payer and the User of cash registers, or a person authorized by the latter, or an automatic settlement device, using devices connected to the Internet and providing the possibility of remote interaction of the Payer with the User of cash registers, or a person authorized by the latter, or an automatic settlement device.
9.1.3. As part of the “Receipts from YooMoney” Service, the Payment Aggregator provides the Merchant with a range of services related to the participation of the Payment Aggregator on behalf of the Operator in transfer of funds in favor of the Merchant and the provision of agency services to the Merchant concerning the acceptance of Money Transfers from the Payers into a special account of the Payment Aggregator opened with the Operator, with the use of cash registers in order to comply with the requirements of Federal Law No. 54-FZ “On the Application of Cash Registers for Settlements in the Russian Federation” dated May 22, 2003, and including:
• services for the acceptance by the Payment Aggregator into a special bank account opened by it with the Operator of the amounts of Money Transfers, made by the Payers in favor of the Merchant under the Contract, for the purpose of further transfer thereof to the Merchant;
• services for the acceptance by the Payment Aggregator to a special bank account opened by it with the Operator of funds from the Merchant in order to make Payment Refunds to the Payers;
• preparation by the Payment Aggregator of cash receipts upon the making of Money Transfers and/or Payment Refunds under the Contract and ensuring that cash receipts are sent to the Payers;
• ensuring the transfer of fiscal documents to the tax authorities through the operator of fiscal data;
• participation in transfers from a special bank account of the Payment Aggregator of amounts of the Money Transfers to the Merchant.
9.1.4. As part of the “Receipts from YooMoney” Service, the Operator shall provide the Merchant with the services set forth in subclause 6.1.1. of the General Terms and Conditions, taking into account the specifics of technical integration and data exchange concerning the making of the Money Transfers established by this Section 9.
9.1.5. The “Receipts from YooMoney” Service shall be provided under the Contract on the Informational and Technological Interaction related to Transfers, which is entered into by and between the Merchant, the Operator and the Payment Aggregator, is mixed and includes the terms and conditions of the following agreements:
• Contract on the Informational and Technological Interaction related to the Transfers as defined in subclause 1.5.1. of the General Terms and Conditions;
• Contract for the provision of services concerning the participation in the transfer of funds by the Payment Aggregator engaged by the Operator in favor of the Merchant, in which the Payment Aggregator acts on behalf of the Operator and on the conditions specified by it;
• Agency Agreement under which the Payment Aggregator acts on behalf of and at the expense of the Merchant in accepting into its special bank account the amounts of Money Transfers from the Payers in favor of the Merchant, carried out when making settlements on the Internet when the Payer pays for the Products sold by the Merchant on the websites of the Merchant’s online stores.
9.1.6. The “Receipts from YooMoney” Service is provided only to those Merchants and in relation to those Merchant’s online stores that have been verified by the Operator for compliance with the requirements of the law and the Operator.
9.1.7. The content of the Payment Aggregator’s services related to the participation in the transfer of funds on behalf of the Operator:
• The Payment Aggregator ensures the acceptance into a special bank account opened with the Operator the amounts of Money Transfers from the Payers in favor of the Merchant through the Operator's software tools that allow acceptance of payments from the Payers at the Place of Settlement on the Internet;
• the Payment Aggregator participates on behalf of the Operator in the transfer to the Merchant’s bank account of funds received from the Payers in favor of the Merchant for operations made using electronic payment means;
• the Payment Aggregator, when participating in the transfer of funds in favor of the Merchant, shall use a special account opened with the Operator in accordance with the requirements of Federal Law of the Russian Federation No. 161-FZ “On the National Payment System” dated June 27, 2011;
• the Payment Aggregator shall participate in the transfer of funds returned to the Payers in the event of a Payment Refund made using electronic means of payment.
9.1.8. The composition of the services of the Payment Aggregator acting on behalf of the Merchant under the Agency Agreement:
• the Payment Aggregator shall ensure the acceptance to its special bank account opened with the Operator of the amounts of Money Transfers received in favor of the Merchant as payment for the cost of the Products sold by the Merchant in its online stores;
• the Payment Aggregator shall accept funds received in favor of the Merchant from the Payers to a special bank account opened with the Operator;
• the Payment Aggregator, as a User of Cash Registers, shall generate cash receipts upon receipt of the amounts of Money Transfers from Payers/Payment Refunds to the Payers, when using cash registers included in the register of cash registers of the Federal Tax Service and registered with the tax authority under the Payment Aggregator as a User of Cash Registers.
9.1.9. The “Receipts from YooMoney” Service could be activated only if the Currency of the Product and the Currency of the Obligation to transfer the amounts of Money Transfers to the Merchant is the ruble of the Russian Federation.
9.1.10. The Merchant shall independently assess the feasibility of using the “Receipts from YooMoney” Service taking into account its actual business activities, accounting method, applicable law, including the legislation on taxes and levies, on the use of cash registers, as well as recommendations of tax authorities and other governmental bodies. The Operator shall not be liable for any losses, including administrative and tax fines and other liability measures accrued to the Merchant due to its incorrect assessment of the possibility of using the “Receipts from YooMoney” Service and violations of the legislation related to it.

9.2. The procedure for connecting to and terminating the provision of the “Receipts from YooMoney” Service

9.2.1. The “Receipts from YooMoney” Service shall be connected by the Merchant via entering into the Contract with the Operator and the Payment Aggregator, inter alia, by submitting an Application in the form determined by the Operator and in the manner prescribed by Section 2 of the General Terms and Conditions and stipulating, in particular, the possibility for the Merchant to sign the Application with a simple electronic signature in accordance with the provisions of the Electronic Document Flow Agreement.
9.2.2. For the Merchant that has previously entered into the Contract with the Operator, the connection to the “Receipts from YooMoney” Service is carried out by concluding a supplementary agreement to the Contract in the form determined by the Operator and in the manner prescribed by Section 2 of the General Terms and Conditions, which is recognized as the entry into the Contract of the Payment Aggregator as a third Party with the rights and obligations provided for by this Section 9 of Annex No. 4.1.
9.2.3. The provision of the “Receipts from YooMoney” Service shall be terminated in the following cases:
• in case of termination of the Contract, inter alia, in the form of a unilateral withdrawal thereof initiated by the Merchant or the Operator in accordance with Section 15 of the General Terms and Conditions;
• in case the Merchant decides to terminate use of the “Receipts from YooMoney” Service, of which the Merchant is obliged to notify the Operator in writing no later than three (3) Working Days prior to the expected date of termination;
• in case the Operator decides to terminate the provision of the “Receipts from YooMoney” Service, of which the Operator is obliged to notify the Merchant in writing no later than five (5) calendar days prior to the intended date of termination of the service.
9.2.4. In case of termination of the provision of the “Receipts from YooMoney” Service without termination of the Contract, from the date of such termination the Payment Aggregator ceases to be a party to the Contract and to provide the services specified in subclauses 9.1.7, 9.1.8 of this Annex No. 4.1, and the relationship between the Merchant and the Operator continues to be governed by the General Terms and Conditions and appendices thereto, but with no regard to the provisions of this Section 9.

9.3. Terms and manner of providing the “Receipts from YooMoney” Service

9.3.1. The Merchant shall carry out technical integration with the Operator’s SHC in the manner prescribed by Section 2 of the General Terms and Conditions, implement the Information Exchange Protocol and transfer to the Operator, through the specified protocol, the data necessary for generating cash receipts. The list of such data is contained in the description of the Information Exchange Protocol on the Operator's Website and includes, inter alia, the name and Tax Identification Number (TIN) of the Merchant, information about the Product, the price of the Product, the email address of the Payer.
The Operator transfers to the Payment Aggregator the data received from the Merchant for the formation of a cash receipt in full and unchanged. The obligation of the Payment Aggregator to ensure the sending of cash receipts to the Payers and the transfer of fiscal data through the operator of fiscal data to the tax authorities arises if the Merchant transfers the data specified in the first paragraph of this subclause 9.3.1. via the Information Exchange Protocol.
9.3.2. The remuneration of the Operator and the Payment Aggregator for their provision to the Merchant of the services under the “Receipts from YooMoney” Service is calculated as a percentage of the amount of each Money Transfer made in favor of the Merchant during the period of using the Service, and is indicated in the Application, Contract, supplementary agreement thereto or offer, sent by the Operator in accordance with subclause 6.1.5 (a) of the General Terms and Conditions.
The Operator’s remuneration is not subject to VAT in accordance with subclause 4 of Clause 3 of Article 149 of the Tax Code of the Russian Federation.
The remuneration of the Payment Aggregator includes VAT at the rate established by the applicable laws.
9.3.3. The remuneration of the Operator and the Payment Aggregator is not charged:
• from the amount of the Money Transfer (part thereof), the receipt of which the Merchant has not confirmed in accordance with the terms of the “Deferred payment” functionality;
• from the amount of the Money Transfer, in respect of which the Merchant using the HTTP protocol sent, via MWS or the Merchant Profile, an instruction to Payment Refund in respect of the full amount of the Money Transfer no later than the day on which it received the Money Transfer Notification.
However, in the abovementioned cases, the Payment Aggregator shall generate cash receipts in respect of such Money Transfers and return thereof (refund receipts) in accordance with the fourth paragraph of subclause 9.1.8. of this Annex No. 4.1.
9.3.4. The amounts of Money Transfers made during the period of using the Service are credited by the Operator to the special bank account of the Payment Aggregator, and then debited from the special bank account, less all the deductions that the Operator and the Payment Aggregator are entitled to make under the Contract, in order to make the transfer in favor of the Merchant.
The term for fulfillment of the Payment Aggregator’s obligation to transfer the amounts of Money Transfers from a special bank account to the Merchant is set forth under Clause 6.2 of the General Terms and Conditions.
9.3.5. The Payment Aggregator shall have the right to deduct from the amounts of Money Transfers due to the Merchant the amounts that constitute the monetary obligations of this Merchant to the Operator or the Payment Aggregator arising from the Contract and/or the applicable law, including, but not limited to:
• remuneration of the Operator and the Payment Aggregator;
• the amount of Payment Refunds, Fraudulent and Invalid Transactions, including those recognized as such according to the rules of the Operator’s Buyer Protection Service;
• penalties, fines, fees and other payments in favor of the Operator or the PS, provided for by the rules of the PS or the requirements of the Operator;
• the amounts of payments to be transferred by the Operator in favor of the MIR PS in accordance with the Loyalty Program for MIR Cardholders, if the Merchant has joined the specified program.
9.3.6. In the event the special bank account of the Payment Aggregator does not hold sufficient funds due to the relevant Merchant in order to make a refund to the Payer of the amount of the Money Transfer previously made in favor of such Merchant under the Contract or withhold funds from it in favor of the Payer, PS or Operator under the obligations arising out of the Contract and/or the applicable law, the Operator shall credit the missing amount to the special bank account of the Payment Aggregator for subsequent debiting it for the abovementioned purposes, which is a special feature of settlement under the “Receipts from YooMoney” Service and does not waive or amend the Merchant’s obligation to settle the debt owed to the Operator.
In this case, the Merchant is obliged, using its own resources and at its own expense, to reimburse the Operator for all the funds debited from the Operator or independently reimbursed by the Operator. In no circumstances shall the Payment Aggregator be liable for any actions/omissions of the Merchant and for the Merchant’s failure to perform the obligation specified in this subclause to the Operator.
9.3.7. The Payment Refund made during the period of using the “Receipts from YooMoney” Service by a payment order in the manner provided for in subclause 6.4.7. of the General Terms and Conditions shall be proceeded by transferring the whole amount of the Money Transfer by the Merchant to the special bank account of the Payment Aggregator using the following bank details:

Special bank account number 40821810284213823704
BANK: “YooMoney”, NBCO LLC
Correspondent account 30103810945250000444
BIK 044525444

The partial Payment Refund, made during the period of using the “Receipts from YooMoney” Service in the manner set forth in subclause 6.4.7. of the General Terms and Conditions, may not be performed; therefore, if the amount less than the Money Transfer amount is received from the Merchant on the special bank account of the Payment Aggregator for the Payment Refund proceeding, the received amount will be refunded to the Merchant.

9.3.8. The services rendered by the Operator and the Payment Aggregator to the Merchant under the “Receipts from YooMoney” Service during a certain Reporting Period shall be deemed to be rendered by the Operator and the Payment Aggregator and accepted by the Merchant upon approval of the Certificate of Services Rendered by the Operator and the Merchant in accordance with subclause 9.3.9 of the present Annex No. 4.1.
9.3.9. The Payment Aggregator and the Operator shall send the Merchant monthly, no later than on the ten (10) Working Day of the month following the Reporting Period, the tripartite Certificate of Services Rendered specifying the amounts of the Operator’s and the Payment Aggregator’s remuneration, as well as the universal transfer document generated by the Payment Aggregator and sent through the Operator for the amount of the Payment Aggregator’s remuneration (hereinafter – the “Universal Transfer Document”), inter alia, by posting scan copies of the Certificate and the Universal Transfer Document in the Merchant Profile or by sending them to the Merchant ’s e-mail address. The Merchant shall review the Certificate and the Universal Transfer Document within three (3) Working Days from the date of their posting in the Merchant Profile or their sending to the Merchant’s e-mail address. If the Merchant fails to send reasoned objections to the Certificate and the Universal Transfer Document within the specified period of time, the documents shall be deemed to have been approved by the Merchant, and the services of the Payment Aggregator and the Operator shall be deemed to have been accepted.
If the Parties have certificates of electronic signature verification keys issued by the same or different accredited certification centers and allowing the Parties to carry out electronic interaction, the Parties shall approve the Certificates of Services Rendered and the Universal Transfer Documents by exchanging the documents signed with a qualified electronic signature. In this case, no exchange of the Certificates of Services Rendered and the Universal Transfer Documents in hard copy is required.
The provision and acceptance of the services is also regulated by Clause 6.3 of the General Terms and Conditions insofar as it does not contradict this subclause 9.3.9.
9.3.10. When using the “Receipts from YooMoney” Service, the availability of certain payment methods, as well as any functionality provided for by the General Terms and Conditions may be limited.

9.4. Rights and obligations of the Merchant

9.4.1. The Merchant is obliged to provide, upon entering into the Contract and during its performance, accurate information about the Merchant, the websites of its online stores in respect of which the “Receipts from YooMoney” Service is connected (to be connected).
9.4.2. The Merchant is obliged to ensure that any online store and any Products sold by the Merchant in the relevant online store comply with the requirements of the applicable law, the PS, as well as the Operator, both when entering into the Contract and during the entire period of its validity.
9.4.3. If the Merchant, when integrating with the Operator’s SHC, uses the Information Exchange Protocol, which involves collecting the Payer’s data necessary to make a Money Transfer, on the Merchant’s website without redirecting the Payer to the Operator’s Website, the Merchant is obliged to provide wide public with information about the Payment Aggregator and the Operator in the scope specified at https://yoomoney.ru/legacy-doc.xml?id=530616, by posting such information on the websites of the Merchant’s online stores, in respect of which the “Receipts from YooMoney” Service is provided.
9.4.4. The Merchant is obliged to ensure that the websites of the Merchant’s online stores, in respect of which the “Receipts from YooMoney” Service is provided, are integrated with the website yoomoney.ru, which is used to ensure acceptance of payments from the Payers for the Products sold by the Merchant in the online stores, as well as transmission of a request from the website of the online store to yoomoney.ru in order to enable the acceptance and crediting of funds from the Payer to the special bank account of the Payment Aggregator.
9.4.5. The Merchant is obliged to provide, using its own resources and at its own expense, by technical means, software or through manual input, information and data about the Merchant’s Products being sold from the website of its online store to yoomoney.ru, on which the Payer proceeds with the payment, so that the Payment Aggregator generates a cash receipt, including a second cash receipt, a return receipt containing all necessary details and settlement information, including, but not limited to, the name of the Product, its characteristics and quantity, unit of measurement, price per piece, price for the total quantity of the Product of one description (item), TOTAL, amount of discount, price without discount, discounted price, type of settlement (prepayment, prepayment 100%, advance payment, full settlement, etc.), and taxation system. In the absence or incorrect reflection in the cash receipt of the necessary details, the Merchant shall be liable to the Payers and regulatory authorities for the absence or incorrect formation of the cash receipt.
9.4.6. The Merchant is obliged to provide, using its own resources and at its own expense, by technical means, software or though manual input, information and data from the website of its online store to yoomoney.ru, on which the Payer proceeds with the payment, that are sufficient for the Payment Aggregator to generate a correction cash receipt and allow to accurately identify the specific settlement for which the correction is applied, in the form of specifying the fiscal attribute of the document previously incorrectly generated using the User’s cash registers, details corresponding to the settlement that was made without using cash registers, date, name of the Product, settlement address, settlement attribute, taxation system applied, type of correction, basis for correction and other information that is required to reflect in the correction case receipt mandatory and additional details. In the absence or incorrect reflection of mandatory details in the cash receipt, the Merchant shall be liable to the Payers and regulatory authorities for the absence or incorrect generation of the correction cash receipt.
9.4.7. The Merchant is solely responsible for the timely and proper withdrawal of any marked goods from circulation when selling the goods through the online store, and in particular, independently scanning and transferring the mark of the goods for reflection of relevant details in the cash receipt, transmitting information to the fiscal data operator and the Chestny Znak (Honest Mark) system.
9.4.8. The Merchant shall ensure, using its own resources and at its own expense, the delivery of goods/ provision of services/ performance of work to the Payer, as well as the return of goods/ cancellation of services/ performance of work. The obligation to the Payer to transfer/ replace goods, provide services or perform work and the liability for improper quality of goods/ services/ work shall accrue directly to the Merchant. The Payment Aggregator shall not participate in the relations that have arisen between the Merchant and the Payer, except for the receipt of money in favor of the Merchant from the Payer in the manner expressly provided for in the Contract and the General Terms and Conditions. The Merchant shall be solely liable for all claims of the Payer and shall also be obliged to settle all disputes and issues submitted by the Payer to the Payment Aggregator and/or the Operator and to compensate the Payment Aggregator and/or the Operator for all losses arising due to such claims of the Payer.
9.4.9. The Merchant undertakes to carry out the Payment Refund/ partial Payment Refund in respect of the Money Transfers that were made with the Payment Aggregator’s participation through the “Receipts from YooMoney” Service in the following order: the Merchant must, in accordance with subclause 6.4.1 of the General Terms and Conditions, give relevant instruction to the Operator and ensure that the Operator/Payment Aggregator has an amount of money sufficient to make the Transfer Refund. The Payment Aggregator is not liable and is not responsible to the Payer for failure to transfer or for transferring an incomplete amount of money in its favor if the Merchant has not ensured that the Operator/Payment Aggregator has a sufficient amount of money to make the Transfer Refund.
9.4.10. The Merchant is obliged to post its personal data processing policy on the website of its online store, in respect of which the “Receipts from YooMoney” Service is provided, and obtain the consent of the Payers for the transfer of their personal data, including those specified in subclause 9.3.1 of the present Annex No. 4.1, to the Payment Aggregator and the Operator.
Such information may be posted on the Merchant’s website or otherwise communicated to the Payers. The Merchant shall agree upon the interfaces and process of communicating such information to the Payers with the Operator in advance.
9.4.11. The Merchant is obliged to ensure that the information is protected from any unauthorized access during the information interaction between its online store and yoomoney.ru.
9.4.12. The Merchant shall immediately inform the Operator and the Payment Aggregator of any facts of compromised Card data that occurred in the Merchant ’s online store and have become known to it.
9.4.13. The Merchant has the right to independently define the procedure (methods and terms) for delivering the Products sold in the Merchant’s online store to the Payer taking into account the requirements of the applicable laws and the present General Terms and Conditions.
9.4.14. The Merchant, which is an individual entrepreneur, represents and warrants that it acts in the performance of the Contract as an individual entrepreneur and does not apply the special tax regime “Self-Employment Tax”. All Products being sold in the Merchant’s online stores, for which the “Receipts from YooMoney” Service is provided, are not subject to taxation with respect to the self-employment tax. In the event of obtaining the status of a taxpayer under the special tax regime “Self-Employment Tax” and selling the Products in the Merchant’s online stores, for which the “Receipts from YooMoney” Service is provided, the Merchant undertakes to immediately stop using the “Receipts from YooMoney” Service and notify the Operator thereof. The Payment Aggregator and the Operator shall not be liable if, in violation of this subclause, the Merchant sells the Products subject to taxation with respect to the self-employment tax in online stores, for which the “Receipts from YooMoney” Service is provided.
9.4.15. The Merchant is obliged to check the correctness of generated cash receipts.
9.4.16. The Merchant, upon entering into the Contract, gives its consent to the Operator and the Payment Aggregator to process its personal data and/or confirms that it has received the consent to transfer the personal data from individuals – the sole executive body as well as persons responsible for the performance of the Contract – to the Operator and the Payment Aggregator for processing of personal data for the purpose of performing the Contract by the Operator and the Payment Aggregator, as well as for the purpose of storing by the Payment Aggregator as a User of Cash Registers of information about completed cash transactions. The period of personal data processing shall be for the duration of the Contract and the following five (5) years after its expiry when the Payment Aggregator as a User of Cash Registers stores information about the completed cash transactions.
9.4.17. The Merchant represents and warrants that during fulfilment of the Contract the “Receipts from YooMoney” Service is not used by it for settlements for excisable Products.
9.4.18. The Merchant, that is an individual entrepreneur applying the general tax system of simplified tax system, represents and warrants that when switching to the patent system of taxation for certain types of business activities, it does not use the “Receipts from YooMoney” Service for settlements in the course of business activities, in respect of which it applies the patent system of taxation. In case of simultaneous application of the general tax system/simplified tax system and the patent system of taxation by the Merchant, the Merchant shall solely bear risks of non-compliance with the requirements of the law related to the use of tax regimes, as well as it shall be independently responsible for separate accounting of income and expenses for different taxes.

9.5. Liability of the Parties

9.5.1. The Operator and the Payment Aggregator are not liable for any actions or omissions of third parties involved in sending cash receipts to the Payers and transferring fiscal data to the tax authorities, as well as for the completeness and accuracy of any data received from the Merchant and transmitted to the tax authorities.
9.5.2. The liability of the Operator and/or the Payment Aggregator to the Merchant is limited to any documented actual damage incurred by the Merchant as a result of unlawful actions or omissions of the Operator and/or the Payment Aggregator acting intentionally or with gross negligence. The Operator and/or the Payment Aggregator are not liable to the Merchant for indirect, consequential or incidental losses and lost profits.
9.5.3. When providing the “Receiptss from YooMoney” service, the Operator is not liable for any services provided to the Merchant by the Payment Aggregator, as well as for the performance by the Merchant of the obligations specified in this Section 9, including those in relation to the Payment Aggregator.
9.5.4. The Merchant undertakes to reimburse the Payment Aggregator and the Operator for any and all losses incurred by the Payment Aggregator/Operator due to violation by the Merchant of the requirements of the applicable laws, of the Operator or the PS, due to recognition of the Money Transfers as Invalid and Fraudulent Transactions, as well as due to other illegal actions (omissions) of the Merchant, including, but not limited to, undertaking to reimburse for fines and losses resulting from sanctions of the PS that are imposed on the Payment Aggregator and/or the Operator.