Политика и процедура оплаты
The purpose of this Payment Policy & Procedure (hereinafter – the "Payment Policy") is to establish operational processes and procedures for Bank transfer and Card payment on the Platform to minimize risk and provide the greatest value, and availability of high quality services to each OKONTO User.
Bank: means any bank, which collects payments made by the OKONTO Users on its account.
Bank transfer: means an electronic transfer of the User's Funds from one bank/financial institution to another.
Banking Day: means the part of a day on which the Bank is open to the public for carrying on substantially all of its banking functions.
Cardholder: means any User, who makes payments on the Platform using a Payment card.
Funding (also mentioned as "Deposit" on the Platform): means a transfer of a certain amount of money to the User’s Account via a Payment card or Bank transfer.
Funds: means a certain amount of money transferred to and accumulated on the User’s Account.
Online bank transfer: means a technical connectivity service enabling any User to fund their Accounts with a valid bank account by submitting an electronic transfer request to their bank for selected funds to be transferred to OKONTO.
Payment card, Card, Debit card, Credit card: means a payment card Visa, Visa Electron, MasterCard, Maestro or CUP verified under KYC, which is used by the User as the means of payment on the Platform.
Rules of International Payment Systems: means any rule, instruction, recommendation, etc., of MasterCard and/or Visa, which regulates order of processing transactions, technical requirements for processing transactions, as well as other provisions on acceptance of a Payment card.
Withdrawal: means removing User’s Funds from his/her Account under the User’s instructions.
SEPA (Single Euro Payments Area): means process initiated by European banks and supported, inter alia, by the Eurosystem and the European Commission with a view to integrating retail payment systems and transforming the euro area into a true domestic market for the payment industry.
3-D Secure: means XML-based protocol designed to be an additional security layer for online payment card transactions.
For the Users’ convenience, OKONTO offers several payment methods for Funding Account, including Bank transfer and Card payment. Please note that withdrawal is available for verified Users only through Wire transfer and SEPA bank transfer.
Bank transfer includes: (a) Wire transfer, (b) SEPA bank transfer and (c) Online bank transfer.
(a) Wire transfer
For Wire transfers, to initiate Funding, the User needs to obtain an electronic document with payment details on the Platform. The document should be printed and provided to the User’s bank for relevant payment.
In order to initiate Withdrawal via Wire transfer, the User has to fill in the electronic form on the Platform. After successful acceptance of the details provided by the User within the electronic form, the Withdrawal transaction will be done within the timeline indicated herein.
Referring to OKONTO internal policies and rules, the User should make payments with regard to the following amount limits set for the Wire transfer:
(b) SEPA bank transfer
SEPA bank transfer is available in the countries covered by SEPA. The information on the countries covered by SEPA is available here. User will be able to use SEPA bank transfer under the following conditions:
a payment should be done in EUR, and user who wants to use SEPA bank transfer has at least one successful Wire transfer on the Platform.
For SEPA bank transfer, to initiate Funding, the User needs to obtain an electronic document with payment details on the Platform. The document should be printed and provided to the User’s bank for relevant payment.
In order to initiate Withdrawal via SEPA bank transfer, the User has to fill in the electronic form on the Platform. After successful acceptance of the details provided by the User within the electronic form, the Withdrawal transaction will be done within the timeline indicated herein.
Referring to OKONTO internal policies and rules, the User should make payments with regard to the following amount limits set for the SEPA bank transfer:
(c) Online bank transfer
Online bank transfer is available in the following countries: Austria, France, Germany, Italy and Spain. Users from the mentioned countries will be able to use Online bank transfer to fund their Accounts on the Platform under conditions provided by the Online bank transfer service provider and with regard to the following limits:
In order to make Funding, OKONTO will accept from the User only that Payment card on which he/she is indicated as the Cardholder.
OKONTO WILL ACCEPT ONLY VERIFIED PAYMENT CARDS.
The User has the right to use several Payment cards as long as they are verified.
OKONTO warns that for the payment purposes the User can use only a 3-D Secure Payment cards.
NOTE: You can check if your card is 3-D Secure protocol with your bank.
With regard to OKONTO internal policies and rules, as well as taking into account the Rules of International Payment System the User should make payments with regard to the following maximum amount limits, but no less that EUR 25:
The maximum amount limits for the User, who passed the identity verification procedure specified in the AML/KYC Policy:
Payment Processing Timeline
In accordance with the internal rules and requirement of OKONTO and taking into account the Rules of International Payment Systems, Bank transfer and Card payment processing timeline will be as follows:
OKONTO reserves the right, in its sole discretion, to change the above mentioned processing timeline.
Banks/financial institutions, which initiate and make the Bank transfer and Card payment, can prolong the above processing timeline with regard to their internal rules and procedures.
OKONTO will investigate User’s case and will notify the User on the investigation results. The time needed to complete an investigation will be set on the case-by-case basis.
NOTE: All expenses, which arise upon investigation process, shall be borne solely by the User.
Bank/financial institution fee will be charged on the amount of Withdrawal/Funding and will depend on the chosen payment method. Such fee will be reflected on the Platform when choosing payment method and will be charged automatically while processing payment transaction.
The amount limits and processing timeline, as well as other terms and conditions of this Payment Policy are subject to modification by OKONTO and in the case of any such modification, OKONTO will make proper announcement. The modifications will apply after OKONTO has given notice.
In case if the User does not wish to accept the revised Payment Policy, he/she should not continue to use OKONTO Services. If the User continues to use the Services after the date on which the modifications come into effect, his/her use of the Services to be bound by the modified Payment Policy.