Terms and Conditions of Card Dongle

To access and/or use the payment acceptance services using Card Dongle on Livin’ Merchant Application, Merchant hereby is subject to and agrees to be bound by Terms and Conditions of Card Dongle (“Terms and Conditions”), which are an integral and inseparable part of Terms and Conditions of Livin’ Merchant Application.
 

A. DEFINITION

• Livin’ Merchant Application, hereinafter referred to as the Application, is an application owned by the Bank that may facilitate a Merchant to carry out its business activities as specified in the Terms and Conditions of Application.
• Bank is PT Bank Mandiri (Persero) Tbk which is domiciled and headquartered in Jakarta, which is the owner of the Application and has the authority to process Transactions.
• Card Dongle is a Card payment acceptance tool which is connected to the Application.
• Card is credit card and/or debit card.
• Merchant is an individual or business entity who carries out the Product sale activities both online and offline and has been approved by the Bank as a working partner and is entitled to receive transaction payments based on the method determined by the Bank.
• Merchant Discount Rate (MDR) is a certain percentage or value of each Transaction charged to a Merchant under an agreement between the Merchant and the Bank, which will be deducted at the time of disbursement of the Transaction.
• MTI is PT Mitra Transaksi Indonesia which is domiciled and headquartered in Jakarta which provides Point of Sales (POS) capabilities and other facilities that are integrated with the Application.
• Account is a Bank account under the name of a Merchant which is used for the account in purpose of disbursing funds resulting from Transactions.
• Platform is a facility which facilitates purchase, sale, marketing of goods and services through electronic systems.
• Transactions are a payment using Card through Card Dongle for the Products contained on the Application.

  

B. General Definition

• About Card Dongle
  • Card Dongle is a tool/device which is connected to Application to receive the Card payments.
  • Card Dongle adds a payment method for Customers and improves a Merchant Transaction acceptance.
• Benefit and Feature of Card Dongle
  • Payments using Card Dongle can be made by dipping or tapping a Card into the device.
  • Type of Card which may be used to make payments through a Card Dongle is a Card with the following type:
    1) VISA;
    2) MasterCard;
    3) GPN; and/or
    4) Other types of Cards determined by the Bank.

 

C. Terms of Use of Card Dongle

Card Dongle may be applied by a Merchant with Standard, Business and Ultimate account types

D. How to Use a Card Dongle

• How to Apply for a Card Dongle
  • Merchants (Owners) are required to apply in advance through the Application if they want to add a payment acceptance method with a Card Dongle.
  • Merchants with Standard or Business account types which will apply for a Card Dongle are obliged to fulfill documents required by the Bank and/or MTI to verify through the Application, including:
    1) Business Registration Number (Nomor Induk Berusaha “NIB’’);
    2) Photo of business; and
    3) Photo of business location.
  • Merchants with Standard account types or Business accounts that have received approval to add payment methods with a Card Dongle from the Bank, the account type will automatically be upgraded to the Ultimate account type.
  • Merchants with Ultimate account type can directly apply for a Card Dongle through Application
• How to Purchase a Card Dongle
  • The Merchant purchases a Card Dongle device through Application which will be directed to the Platform, and then the Merchant places an order and makes payment for the Card Dongle.
  • In the event that the Merchant wantsto purchase and activate the Card Dongle device for another outlet, the Merchant shall repurchase as per point a.
• How to Connect a Card Dongle
  • The Card Dongle can only be connected to the Application by using smartphone and/or tablet with minimum OS 11 Android.
  • Merchants will obtain the device number in a Card Dongle to verify and activate a Card Dongle through the Application.
  • The Device number can be inputted by typing directly or uploading a photo of the barcode or scanning from the barcode available on the Card Dongle.
  • Merchants will automatically get an additional payment acceptance method through Card Dongle on the cashier menu on the Application, after the device is successfully verified and activated on the Application.
  • A Card Dongle that has been activated at 1 (one) Merchant outlet may be connected to another outlet with the same account, but first, it needs to inactivate a Card Dongle device in the other outlet.

 

E. Transaction

• Customers can make payment by dipping or tapping a Card in a Card Dongle (or other methods in the future), furthermore, Merchant shows a PIN input page on the Application for the Customer to input the PIN of the Card.
• Customers who make payments using the Card tap method on the Card Dongle with a maximum Transaction of Rp1,000,000 (one million Rupiah), do not need to input the Card PIN on the Application.
• Merchants are subject to a Merchant Discount Rate (MDR) on the use of Card Dongle, namely:
  • Bank debit card at 0.15% x Transaction amount.
  • Bank credit card at 1.80% x Transaction amount.
  • Other bank debit cards at 1% x Transaction amount.
  • Other bank credit cards at 1.80% x Transaction amount.
• In the Transaction acceptance, Merchants are obliged to ensure that the Transaction is made by the Cardholder, with the following conditions:
  • Ensuring the validity period and authenticity of the Card.
  • Ensuring that the Card number indicated on the Card Dongle and/or Sales Draft is in accordance with the Card number contained in the Card.
• If doubts arise over the acceptance of the Card as in point 3, Merchant may contact the Bank and/or MTI during the Transaction acceptance process or, at its own discretion, Merchant may reject the Card.
• Merchants are obliged to accept the Transaction made by Customers without limitation of minimum payment and provide the best service to Cardholder and/or Customer.

F. Cost

• Based on the provisions of the regulator and/or provisions of the Bank, for any Transactions or activities of the Merchant for the use of Card Dongle, the Bank is entitled to charge a cost (in rupiah) to Merchant.
• Bank has the right to at any time change the costs upon the use of a Card Dongle by taking into account the applicable provisions.
• Merchant understands that each payment method provided by the Bank or related to the third party may be charged with additional costs by the third party beyond the costs determined by the Bank.

 

G. Prohibited Activities

• In terms of Transaction acceptance, Merchants are not allowed to:
  • Accept Transactions that are not in accordance with those stipulated in these Terms and Conditions;
  • Performing split Transaction value to avoid violation of Bank's provisions.
  • Accept a Card from a Cardholder that is used to refinance existing debts to replace a bounced check, except under applicable laws.
  • Serving cash withdrawal Transactions with Credit Cards.
  • Impose additional fees in any form to Cardholder, those regulated in laws and regulations;
  • Receive Transaction deposits from third parties or other Merchant branches/outlets;
  • Intentionally commit the fault in inputting the nominal price;
  • Merchant runs a business that is not in accordance with the Terms and Conditions; and/or
  • Document and/or record and/or take pictures of Customer inputting the PIN on Application, including record the number and/or expired date of the Card.
• The Bank and/or MTI and/or other third party appointed by the Bank have the right to investigate Merchant if there are indications of a violation in the provision of G.1 of these Terms and Conditions.
• If Merchant is strongly suspected by the Bank and/or MTI to be proved to have violated the provisions of G.1, then:
  • All unauthorized Transactions or those that are not recognized by Cardholder and/or Customer and/or Issuer will be a burden and responsibility of the Merchant.
  • The Bank has the right to suspend the payment of bills amounting to the total nominal amount of the Transaction.
  • The Bank and/or MTI has the right to deactivate the payment method owned by the Merchant.

 

H. Card Dongle Risks

Merchants are encouraged to be careful in using a Card Dongle, thus, it is not to be damaged, lost, and/or assigned to an unauthorized party.
 

I. After Sales Service

• Merchants may submit questions and/or complaints through Platform in the event that:
  • Merchant receives Card Dongle that are not in accordance with the specification contained in handbook and/or Platform;
  • There are problems related to the delivery of Card Dongle
• Merchant may submit questions and/or complaints to the Bank and/or the third party cooperated with Bank in the event that:
  • Merchants receive Card Dongle that is not in accordance with the specification contained in handbook and/or Platform;
  • There are problems during registration, activation and usage of Card Dongle; and/or
  • There are problems related to the Card Dongle Transactions.

 

J. Representations and Warranties

• Merchant represents that the Merchant has filled in the data in accordance with the applicable provisions, the fault or omission of Merchant in inputting data on Application shall be the full responsibility of Merchant.
• All consequences arising in connection with the use and maintenance of a Card Dongle shall be the full responsibility of the Merchant. Merchant is responsible for any damages, losses or expenses directly or indirectly arising upon the omission of Merchant.
• In the implementation of payment method of Card Dongle, Bank and/or MTI have implemented security standardization as set out in the applicable laws and regulations. Therefore, the Merchant and/or its Employees are personally responsible for maintaining the security and use of a Card Dongle.
   

K. Etc

• Merchant understands and agreesthat the provisions of payment Transaction and Merchant on the Application in these Terms and Conditions is a part of Terms and Condition at the Bank, thus, all matters related to Transaction aspects including but not limited to instructions provided by Merchant on Application and/or privacy policy are subject to the funds product provisions in Bank as well as Terms and Conditions of Application. No provisions in these Terms and Conditions may reduce or limit the validity of representations and warranties provided by Merchant in Terms and Conditions of Application.
• Regarding complaint submission addressed to the Bank and/or MTI, Merchant may contact:
  • Call center : Call center of Bank Mandiri 14000 or Call center of HiYokke 14021
  • E-mail : hiyokke@yokke.co.id
  • Whatsapp : (+62) - 8114014021