Doable Payments Terms

1. What Doable Payments is, and what it is not

Doable Payments lets an application built and hosted with Doable accept card and local payments from its customers. When you connect Doable Payments to a project, Doable provisions an account for you at a licensed payment processor, links it to your project, and routes checkout, refund, and status calls between your application and that processor. The processor depends on the country where your business is based:

• Stripe (Stripe Payments Company, Stripe Payments Europe Ltd, Stripe Payments UK Ltd, or another Stripe entity, depending on your country) for the United States, the United Kingdom, the European Economic Area, Canada, Mexico, Australia, New Zealand, Japan, Singapore, Hong Kong, Thailand, and the other countries listed in the app.
• Mercado Pago (MercadoPago S.A. in Chile, Mercado Pago Servicios de Procesamiento S.R.L. in Argentina, and the Mercado Pago entity licensed in your country) for Chile, Argentina, Brazil, Colombia, Peru, and Uruguay.

Doable is a technology provider, not a financial institution. Doable is not a bank, payment institution, card issuer, card acquirer, money transmitter, or money services business. Doable does not hold, receive, or transmit your funds or your customers' funds. Every payment is processed by the processor, under the processor's licences, and settles from the processor directly to the account you hold with the processor. In Chile, Doable is not an issuer or operator of payment cards or prepaid payment instruments under Chilean law (including Law 20.950 and the rules of the Comisión para el Mercado Financiero) and is not supervised by the CMF; Mercado Pago is. In the United States, Doable does not engage in money transmission as defined by FinCEN or any state; Stripe holds the applicable registrations and licences.

You are the merchant of record. Each sale is a contract between you and your customer. Charges appear on the customer's statement under your business name or the descriptor set at the processor. Doable is not a party to the sale and is not responsible for the goods, services, or content you sell.

2. Who can use it

You may connect Doable Payments only if you are at least 18 years old (or the age of majority where you live), are using it for a business or professional activity, and have authority to bind that business. The processor decides whether to open and keep your account. That decision is based on the processor's own know-your-customer, anti-money-laundering, and risk rules, and on information you give it during onboarding. Doable does not control or guarantee that decision.

By connecting, you also accept the processor's agreement for your country, which is incorporated into these terms:

• Stripe: the Stripe Connected Account Agreement, which includes the Stripe Services Agreement for your country.
• Mercado Pago: the Términos y Condiciones de Uso de Mercado Pago for your country, including its schedules on payments and on the acceptance of cards.

You must keep the information you gave the processor accurate and complete, and answer its requests for documents within the time it sets. Until the processor enables charges and payouts, your application cannot take payments.

3. Prohibited businesses and uses

You may not use Doable Payments for anything that is illegal where you or your customer are located, that violates the card networks' rules (Visa, Mastercard, American Express, Redcompra, and the local networks the processor supports), or that appears on the processor's restricted-business list (Stripe, Mercado Pago). Without limiting those lists, you may not use Doable Payments to:

• Sell goods or services you do not have the right to sell, or that infringe someone else's intellectual property
• Process payments on behalf of a third party, aggregate payments for other businesses, or act as a payment facilitator yourself
• Take a payment for a purpose other than the one shown to the customer at checkout, or split a transaction to evade limits
• Sell firearms, ammunition, or explosives; controlled substances; cryptocurrency or unlicensed financial products; gambling or lotteries without the required licence; adult content without age verification and processor approval; multi-level marketing; or counterfeit goods
• Charge a customer without their authorisation, or use card details obtained outside the hosted checkout
• Test cards, launder transactions, or knowingly accept fraudulent payments
• Circumvent sanctions administered by the U.S. Office of Foreign Assets Control (OFAC), the United Kingdom, the European Union, the United Nations, or Chile's Unidad de Análisis Financiero (UAF)

4. Your obligations to your customers

Because you are the merchant of record, consumer-protection law applies to you, not to Doable. In particular you must:

• Describe what you sell accurately, show the total price including taxes and shipping before the customer pays, and deliver what was ordered
• Publish a refund and returns policy, honour it, and honour any stronger right the law gives your customer
• Provide a receipt or invoice, and comply with the tax rules that apply to your sales
• Keep your customers' personal data safe and use it only for the sale and for what they agreed to
• Answer customer complaints promptly, and respond to disputes with evidence within the deadlines the processor sets

If you are in Chile. Law 19.496 on consumer protection applies to your sales. For sales concluded online or at a distance, your customer generally has ten days from receiving the product or contracting the service to withdraw (derecho de retracto, article 3 bis), unless an exception applies and you told them so before the sale; you must refund within the time the law sets. You must issue the boleta or factura electrónica the Servicio de Impuestos Internos requires for every sale, and you are responsible for IVA and any other tax. Prices shown to consumers must be in Chilean pesos and include taxes. Complaints may be brought before SERNAC or the Juzgado de Policía Local; Doable will cooperate with lawful requests from those bodies but cannot answer for your sales.

If you are in the United States. The Federal Trade Commission Act and state consumer-protection and automatic-renewal laws (for example California Business and Professions Code § 17600 and following, and New York General Business Law § 527-a) apply to your sales. If you sell subscriptions, you must obtain express consent to the recurring charge, disclose the terms clearly, and provide an easy way to cancel. You are responsible for collecting and remitting sales tax where you have nexus.

Everywhere else. Comparable rules apply, including the Consumer Rights Directive and the e-Commerce Directive in the European Union and the Consumer Rights Act 2015 in the United Kingdom. Where your customer is in a different country from you, the customer's local mandatory protections may apply as well.

5. Fees

Two fees apply to every payment, and both are shown to you before you connect:

• The processor's fee, set by Stripe or Mercado Pago under the agreement you accepted with them, and deducted by the processor before settlement.
• Doable's fee, a percentage of each successful payment as displayed in the app for your country at the time you connect. Where the processor supports it, Doable's fee is deducted from the payment at the processor; otherwise it is invoiced to you. In countries where Doable does not yet collect a per-transaction fee, the app says so, and Doable may introduce one with at least 30 days' notice.

Fees are stated exclusive of tax. Where a tax such as VAT or IVA applies to Doable's fee, it is added. Doable's fee on a refunded or disputed payment is not returned unless the app said otherwise for your country. Doable may change its fee with at least 30 days' notice by email; continuing to accept payments after the change takes effect is acceptance.

6. Settlement and payouts

The processor settles funds to the bank account or wallet registered with it, on the schedule and subject to the reserves, holds, and minimums in the processor's agreement. Doable never receives, holds, or delays your funds and cannot release a hold the processor has placed. Questions about a missing payout go to the processor first; Doable will help you reach the right channel.

If refunds, disputes, or processor fees exceed the balance of your processor account, the processor may debit your registered bank account or offset future payments under its agreement. You remain liable for any negative balance.

7. Refunds, disputes, and chargebacks

You may refund a payment in full or in part from your application, the Doable dashboard, or the processor's own dashboard. Refunds go back to the customer's original payment method through the processor.

If a customer disputes a charge with their card issuer or through the processor's protection programme (for Mercado Pago, Compra Protegida), the processor may reverse the payment and charge a dispute fee. You are responsible for the full amount of every chargeback, reversal, and fee that results from your sales, whether or not you believe the dispute is justified. Doable will pass along the evidence you submit and any notification it receives, but the outcome is decided by the card network or the processor.

Excessive disputes or refunds may lead the processor to hold funds, require a reserve, or close your account, and may lead Doable to suspend Doable Payments for your project under section 11.

8. Card data and security

Doable Payments uses the processor's hosted checkout. Card numbers, expiry dates, and security codes are entered on pages served by the processor and never pass through Doable or your application. You must not collect, store, or transmit full card data yourself, and you must not attempt to capture it from the hosted page. The processor is certified under PCI DSS; you are responsible for the security of everything on your side of the checkout, including your application, your customers' accounts, and your credentials.

Your Doable Payments key (the value stored as DOABLE_PAYMENTS_KEY) authorises charges and refunds against your account. Keep it server-side, never expose it in a browser or public repository, and rotate it from the dashboard if you suspect it has leaked. You are responsible for every request made with it until you tell us it is compromised.

9. Personal data

To operate Doable Payments, Doable processes limited personal data: for you, the identifiers of your processor account, its status, country, and currency, and the credentials the processor issues to Doable to act for you; for your customers, the email address, amount, currency, order reference, and payment status of each transaction. Doable never receives card numbers. The Privacy Policy describes this in full, including retention.

Roles. For your customers' data you are the controller (responsable del tratamiento). Doable processes it on your instructions as your processor (encargado) under the Data Processing Agreement, except for the records Doable must keep for its own legal obligations. Stripe and Mercado Pago are independent controllers for the data they collect to process payments, run fraud checks, and meet their regulatory duties, under their own privacy notices.

This applies alongside the General Data Protection Regulation and the UK GDPR where they reach you, the California Consumer Privacy Act and comparable U.S. state laws, and in Chile Law 19.628 on the protection of private life and, from its entry into force, Law 21.719 on personal data protection and the Agencia de Protección de Datos Personales. Where any of those laws gives your customer a right against you, you are responsible for honouring it, and Doable will assist as the DPA requires.

10. Sanctions, anti-money-laundering, and fraud

You represent that neither you nor your business, its owners, or its directors are the target of sanctions administered by OFAC, the United Kingdom, the European Union, or the United Nations, and that you are not located in, and do not sell into, a comprehensively sanctioned country or region. You will comply with the anti-money-laundering rules that apply to you, including in Chile Law 19.913 and the reporting duties of the Unidad de Análisis Financiero where your activity falls within them, and in the United States the Bank Secrecy Act to the extent it applies to your business.

Doable and the processor may monitor transactions for fraud, sanctions exposure, and rule violations; may request information or documents about your business, your customers, or specific transactions; and may hold, reverse, or refuse a transaction while a review is open. You will provide what is requested within ten business days.

11. Suspension, termination, and disconnection

Doable may suspend or end Doable Payments for a project, with notice where reasonably possible, if you breach these terms or the processor's agreement, if the processor closes, restricts, or reports your account, if your dispute or refund rate is excessive, if Doable receives a lawful order, or if continuing would expose Doable or the processor to legal, regulatory, or financial risk. Doable may also withdraw Doable Payments from a country or processor with at least 60 days' notice.

You may disconnect at any time from the dashboard or by revoking Doable's access at the processor. Disconnecting stops new charges through Doable; it does not close your processor account, cancel pending payouts, or end your liability for refunds, disputes, fees, and taxes on payments already taken, all of which survive.

Mercado Pago allows a merchant to revoke an application's authorisation from its own account settings. If you do, Doable treats the connection as ended the moment a request is refused, and your application will show that payments are unavailable until you connect again.

12. Availability, disclaimers, and liability

Doable Payments depends on the processor and on card networks Doable does not control. It is provided as is, and Doable does not guarantee that a payment will be authorised, that a payout will arrive on a particular day, or that the service will be uninterrupted. To the fullest extent the law allows, Doable is not liable for lost sales, lost profits, chargebacks, processor fees, holds, reserves, or account closures, or for indirect or consequential loss, and Doable's total liability to you under these terms in any twelve-month period is limited to the Doable fees you paid on payments in that period.

You will defend, indemnify, and hold harmless Doable, its officers, employees, and contractors from any claim, fine, chargeback, loss, or expense, including reasonable legal fees, that arises from your sales, your customers, your breach of these terms or the processor's agreement, or your violation of any law or card-network rule.

Nothing in these terms limits liability that cannot be limited by law, including for fraud, death or personal injury caused by negligence, or rights that mandatory consumer or commercial law gives you in your country.

13. Changes, law, and disputes

Doable may update these terms. Material changes will be sent by email at least 30 days before they take effect; changes required by law or by a processor may take effect sooner. Continuing to accept payments after the effective date is acceptance.

These terms are governed by the laws of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction. This choice does not remove any protection you have under the mandatory laws of the country where you are established, including the right of a Chilean merchant or consumer to bring a claim under Law 19.496 before the competent Chilean court, and the right of a U.S. resident to rely on the consumer-protection laws of their state. Before starting a claim, either party will write to the other describing the dispute and allow 30 days to resolve it.

If any part of these terms is found unenforceable, the rest continues to apply. These terms, the Terms of Service, the Privacy Policy, the Data Processing Agreement, and the processor's agreement are the entire agreement about Doable Payments.

14. If you are a customer of a business that uses Doable Payments

Your purchase is with the business, not with Doable. The charge on your statement carries the business's name or the processor's descriptor. For a refund, a question about your order, or to exercise a consumer right, contact the business first. If you cannot reach them or believe a charge is unauthorised, contact your card issuer or, for Mercado Pago payments, open a claim in your Mercado Pago account. Doable does not hold your money and cannot refund you directly, but if you write to us at the address below we will forward your message to the business and, where the law requires, cooperate with your bank or authority.

Your card details are handled by Stripe or Mercado Pago, never by Doable. The data Doable keeps about your payment is described in the Privacy Policy, section 6b.

15. Contact

Doable Ltd, operator of Doable and Doable Payments. Email payments [at] doable.do for anything about Doable Payments, or hello [at] doable.do for anything else. Lawful requests from authorities may be sent to the same addresses.