PAYMENTS AND FEES
FROM MUNDPAY 

This Policy regulates the management of chargebacks and the platform's fee structure applicable to all transactions processed via Mundpay checkout, covering Physical Products, Digital Products (downloads, license keys, cloud access or streaming) and Subscriptions with recurring billing. It applies to all Users — Sellers, Buyers, Affiliates and Producers — who interact with the Mundpay Platform, constituting an integral part of the General Terms of Use accepted at the time of registration.

Mundpay operates through distinct legal entities, according to the nature of the transaction and the buyer's region: Mundpay Pagamentos Internacionais Ltda. (CNPJ 55.009.285/0001-13), headquartered in Rio de Janeiro; Mund USA LLC (EIN 32-0819366), in Apopka, Florida; Mundpay LLC (EIN 36-5099929), in New York; and MundP Tech OÜ (Reg. 17270502), in Tallinn, Estonia. The entity effectively contracted is defined on a transaction-by-transaction basis, in accordance with the applicable jurisdiction, currency and regulatory requirements.

Order tracking, cancellation of subscriptions and all refund requests can be managed directly at support@mundpay.com.br.

2. Chargeback Policy

2.1 DEFINITION 

A chargeback or dispute occurs when a cardholder contests a transaction directly with the issuing bank or card scheme, requesting the cancellation, reversal or refund of the charge. The dispute is communicated through the payment scheme chain to Mundpay, which, acting as Merchant of Record in international and United State operations, assumes formal responsibility for managing and responding to such disputes before acquirers, sub-acquirers, schemes and issuers. In domestic Brazilian operations, Mundpay acts as an intermediation marketplace and handles disputes in its capacity as a payment processor, without assuming ownership of the commercial relationship between buyer and Seller/Producer.

As a participant in the payment scheme ecosystem, Mundpay adopts proactive risk management mechanisms, including fraud prevention, loss mitigation and protection of the financial integrity of all operations processed on its platform. These mechanisms may be applied before, during or after a formal chargeback notification, and the Seller/Producer recognizes that such measures are a necessary and proportionate feature of operating within the regulatory frameworks of the card schemes.

2.2 RESERVATION AND HOLD OF FUNDS

Mundpay reserves the right to withhold funds from transactions carried out by the Seller/Producer for up to 120 (one hundred and twenty) calendar days, establishing an initial financial reserve of up to 30% (thirty percent) on the transacted amounts to cover chargebacks, disputes, chargebacks, cancellations and related occurrences. This retention percentage may be revised and increased — including retroactively — up to 100% (one hundred percent) of the transacted amounts whenever disproportionate increases in chargeback rates, atypical spikes in disputes, abrupt changes in transaction volume or any indicators of elevated operational, financial or reputational risk are identified.

The retention period may be further extended when there are ongoing judicial, administrative or arbitration proceedings related to the transactions in question, lasting until the final resolution, including the final and unappealable judgment. In these cases, the withheld funds may be used to cover losses, court costs, settlements, attorney's fees and any charges arising from the dispute.

2.3 PREVENTIVE MEASURES

When evidence of suspicious, fraudulent or high-risk transactions generating chargebacks is identified — especially when the rate threatens to exceed 1% (one percent) of the transactions processed in the last 30 days — Mundpay may preventively cancel sales, initiate status reversals or refunds directly to buyers and block settlement flows, with the objective of mitigating systemic damage and avoiding the formal registration of disputes with issuers and schemes. Likewise, if transaction data linked to the Seller/Producer is identified in fraud databases shared by payment network participants or anti-fraud systems, Mundpay may immediately reverse the corresponding amounts and debit them from the Seller/Producer's virtual account without prior notice.

A chargeback rate of less than 1% (one percent) of total transactions settled within the last 30 (thirty) days is considered the acceptable operational threshold. Exceeding this threshold triggers a graduated response, including formal notifications, additional reserves, withdrawal restrictions, suspension of operations or account blocking, which can lead to permanent termination in the face of persistent non-compliance.

2.4 DEFENSE PROCESS

Once the chargeback is formally reported by the payment scheme participants, the full disputed amount is immediately debited from the virtual account of the Seller/Producer as a provisional measure to restore the financial balance of the system. The Seller/Producer may be granted, at Mundpay's sole discretion and in compliance with the scheme's deadlines, up to 10 (ten) calendar days from the notification to present administrative defense, providing complete, reliable and verifiable documentation. Depending on the nature of the product or service, the requested documentation may include proof of delivery or service availability, logistics records with tracking code, electronic purchase authentication records (such as IP logs, device fingerprint or two-factor authentication), evidence of the buyer's active participation in the engagement, copies of communication with the buyer, proof of access or consumption of the digital product, commercial policies in force at the time of sale and any other materials requested by Mundpay or the scheme participants.

Failure to submit documentation within the stipulated period, its incomplete submission or the presentation of elements considered insufficient by the scheme founders will result in the loss of the right to administrative defense and the final confirmation of the chargeback. The final decision on the reversal or the maintenance of the dispute rests exclusively with the issuers, schemes and payment scheme founders; Mundpay only acts as an intermediary in transmitting the information and documents submitted, without influence over this outcome. If the balance is insufficient to cover a confirmed chargeback debit, Mundpay may adopt collection measures, offset future credits and file appropriate judicial and extrajudicial measures.

2.5 ETHOCA & VERIFI SERVICES

Mundpay participates in the Ethoca and Verifi Alert Services, affiliated with the Mastercard network, which provide real-time fraud and chargeback alerts for transactions made with Mastercard and Visa cards. All transactions subject to such alerts, once received or confirmed, may be automatically reversed. For each reversal carried out in response to these alerts, the client may be charged a fee of up to R$ 200.00 (two hundred Brazilian Reais), debited at the time the alert is received by Mundpay. This fee is subject to annual adjustment in June, based on the positive variance of the official inflation rate accumulated over the preceding twelve months.

2.6 PRE-CHARGEBACK

Mundpay may apply a pre-chargeback mechanism, which, together with its payment partners and acquirers, may also be operationally handled as a preventive refund. This is a protective measure based on alerts issued by partners, with the objective of safeguarding the Sellers/Producers' operations and the integrity of the transactions processed on the Platform.

Once the risk alert is identified, Mundpay may automatically issue a refund of the transaction to the end customer, prior to the formalization of a chargeback, as a way to mitigate financial losses, penalties with acquirers and negative impacts on the Seller/Producer's operational indicators.

3. Platform Fees and Internal Adjustments

3.1 FEE STRUCTURE AND ACCESS

Mundpay applies processing fees on each transaction completed through the platform, which are defined based on objective criteria, including the type of product or service, the payment method used, the plan of the Seller/Producer and the region of the buyer. Information regarding the current fees can be consulted at any time by the User directly on their panel, where the values applicable to transaction processing, any exchange conversion charges, as well as the existence of reserves or hold of funds are clearly and transparently broken down.

In this context, the fees cover, as applicable, the remuneration for processing transactions — which varies according to the chosen payment method, including, but not limited to instant payments, bank slip (boleto) and credit card —, in addition to charges related to chargebacks, payout costs and amounts intended for the constitution and maintenance of a security reserve.

Solely for reference, such charges may reach, depending on the case, a limit of up to 12% (twelve percent) of the transaction value, plus USD 1 (one dollar) per processed transaction; up to USD 30 (thirty dollars) per occurrence of chargeback; up to USD 15 (fifteen dollars) per payout request; and up to USD 30 (thirty dollars) per chargeback alert, with these parameters being adjustable according to the commercial, operational and risk specificities applicable to each User.

3.2 INTERNAL FEE ADJUSTMENTS

The fees, charges and other values charged by Mundpay for the use of the platform may, at any time, be reviewed, adjusted, created or discontinued at the sole discretion of Mundpay, whenever such measure is deemed necessary for the proper maintenance of economic and operational balance, the sustainability of the platform or the best continuity of the Seller/Producer's activities conducted through Mundpay. Such internal adjustments reflect the evolved costs of payment processing infrastructure, compliance, risk management and technological development, and constitute an inherent feature of the commercial relationship established by these Terms.

Changes in fees will always be communicated in advance, by email or notification on the platform, before they take effect. It is recommended that Sellers/Producers regularly monitor the fee schedule available in their account on the Mundpay panel.

Any change to the standard fee schedule of the platform will be communicated to the Sellers/Producers in advance through at least one of the following channels: email notification sent to the email address registered on the account, or notification on the platform, visible at login. Continued use of the platform after any fee change takes effect constitutes tacit acceptance by the Seller/Producer of the new conditions, without prejudice to the Seller/Producer's right to terminate the contract in accordance with the terms provided, should they choose not to accept the new fees.

3.3 EXCHANGE RATE AND CURRENCY FLUCTUATION (FX)

For international and cross-border transactions, fees, settlements and transfers may be subject to currency conversion. The applicable exchange rate is determined at the time of settlement and reflects the prevailing foreign exchange (FX) market conditions, which fluctuate continuously. Mundpay uses exchange rates obtained from major financial institutions, payment network references or widely recognized market benchmark providers, updated at regular intervals according to objective and pre-established criteria.

Sellers/Producers operating in multiple currencies expressly acknowledge that the amounts received in local currency may vary as a function of exchange rate fluctuations occurring between the transaction date and the settlement date, and that Mundpay assumes no responsibility for gains or losses resulting from such variations. Any applicable currency conversion fee is disclosed separately in the Seller/Producer's account and is included in the fee schedule accessible through the dashboard.

3.4 RESERVES AND HOLDS

In addition to the chargeback reserves described in Section 9, Mundpay may apply risk reserves to the Seller/Producer's balance to cover potential refunds, disputes, acquirer fines or other financial exposures identified through risk monitoring. The value of the applicable reserve, its duration and the conditions for release are communicated to the Seller/Producer and are accessible through the account dashboard. Reserves do not constitute a penalty, but rather a protective mechanism that is an integral part of Mundpay's standard risk management framework.

4. Account Suspension, Blocking and Termination

Penalties arising from improper use of the platform, violation of these Terms, related policies, applicable legislation or assumed contractual obligations include suspension, blocking and exclusion of the Seller/Producer's account and linked products. These measures can be adopted preventively or definitively, individually or cumulatively, at Mundpay's sole discretion, whenever conduct representing an operational, financial, regulatory, reputational or legal risk for the platform, its users or third parties is identified. Grounds for these measures include, among others: chargeback rates above acceptable thresholds, evidence of fraud, repeated buyer complaints, failure to fulfill offers, violation of intellectual property rights and non-compliance with the Acceptable Use Policy.

Suspension is a preventive and temporary measure that limits access to the platform, suspends checkout links, sales pages and financial transfers while an investigation is pending. In cases of suspected fraud, the suspension may be applied for up to 120 (one hundred and twenty) business days or for the full period required by internal or external investigations. Blocking is a more serious measure, applicable when there is evidence of an infraction or material non-compliance; it implies the automatic cancellation of advertisements and offers, the interruption of payment processing and the freezing of existing and future balances. Exclusion represents the definitive termination of the account and the contractual relationship, reserved for cases of confirmed fraud, repeated violations, serious non-compliance with these Terms, material damage to the platform or third parties or legal orders requiring termination. After termination, Mundpay may debit the account for the values necessary to compensate for damages caused to third parties or to the platform itself, and chargeback requests may continue to generate debits for up to 365 (three hundred and sixty-five) days from the original purchase date.

5. Minimum Limit for Payout Requests  

The making of payouts on the Platform is conditioned on meeting minimum values established by Mundpay, which aim to ensure operational feasibility, the efficiency of financial processing and proper management of transactional costs. Such parameters are defined according to the nature of the operation and the applicable settlement currency.

For accounts operating in national currency (Real – BRL), the minimum amount for requesting a payout may be up to R$ 150.00 (one hundred and fifty Reais), applicable to transactions carried out in Brazilian territory. In turn, for accounts or transactions linked to foreign currency (United States Dollar – USD), the minimum amount for requesting a payout may be up to USD 70.00 (seventy dollars), applicable both to transactions carried out in Brazil and abroad, whenever financial settlement occurs or is requested in foreign currency.

The values effectively applicable will be duly detailed in the User's panel, under the section “Financial → Fees”, where they can be consulted at any time in a clear and accessible manner.

Mundpay reserves the right to review, amend or update the minimum payout limits at any time, upon prior notice to the Users through its official channels, whenever such measure proves necessary to maintain the operational, financial or regulatory balance of the Platform.

6. Privacy

All personal and transactional data collected in connection with refund requests, chargeback procedures and fee operations are processed in strict compliance with Mundpay's Privacy Policy and applicable data protection legislation, including the LGPD (Brazil), the GDPR (European Union) and the FIPA (United States – Florida).

In compliance with the purpose principle, such data is used for legitimate, specific purposes informed to the holder, including, among others, the enabling and proof of financial operations, the preparation of internal statements of values and results, individualized customer tracking, the offering of products and services compatible with the User's profile, as well as the execution of personalized communications. The data may also be shared with card schemes, participants in payment schemes, operational partners and competent authorities, when necessary for the proper resolution of disputes, fraud prevention and compliance with legal and regulatory obligations.

Complete information about the purposes of the processing, the applicable legal bases, the rights of the holders and the security measures adopted are duly described in Mundpay's Privacy Policy.

7. Updates to this Policy

Mundpay may update this Policy at any time for operational, regulatory or commercial reasons. Significant changes will be communicated in advance and highlighted at the top of the published document, with the new effective date. The current and binding version of this Policy is always the one published on the Mundpay website and reflected in the Seller/Producer's account dashboard. Continued use of the platform after the entry into force of any update constitutes acceptance of the revised terms.