LEGAL

Payment Provider Disclosures

These disclosures explain how payment processors, acquirers, banks, wallets and other payment providers may support transactions through Playto.

DATEJuly 14, 2026
SELLERFor Playto Merchant of Record transactions, the Buyer purchases the Service from Playto.
PAYMENT INFRASTRUCTUREThird-party providers may support authorization, authentication, movement and settlement of funds.
CONTACTPayment questions: support@playto.so

These Payment Provider Disclosures ("Disclosures") explain how Playto, Inc., a Delaware corporation at 8 The Green, Ste R, Dover, DE 19901, United States ("Playto", "we", "us" or "our"), may use payment processors, acquiring institutions, banks, card networks, wallets, bank-transfer providers and other payment-service participants in connection with transactions.

These Disclosures supplement the Buyer Terms & Conditions, Service Partner Terms, Recurring Payment Terms, Refund & Cancellation Policy and Privacy Policy.

They do not themselves create a payment account, approve a payment method, change a transaction price, expand Playto's supported business or geographic scope, or amend provider-specific terms that apply to a particular payment method.

For a transaction in which Playto acts as Merchant of Record and authorized reseller, the Buyer purchases the professional Service from Playto. Playto is the seller for the Buyer-side transaction as described in the Buyer Terms and applicable Service Order.

A payment processor, acquirer, bank, card network, wallet or other Payment Provider may facilitate authorization, authentication, collection, settlement, refunds or another payment function. Performing that infrastructure function does not by itself make the provider the seller of the underlying professional Service.

The Service Partner separately performs the underlying work for Playto under the Service Partner relationship. Use of payment infrastructure does not create a separate Buyer payment obligation to the Service Partner for the same Playto transaction.

Depending on the payment method and transaction, a "Payment Provider" may include a card processor, acquiring institution, card network, issuing bank, wallet provider, bank-transfer provider, local payment method, payout provider, authentication or fraud provider, or another participant needed to support a payment or settlement function.

Different providers may perform different functions in the same transaction, and a provider may rely on regulated affiliates, sponsor institutions, networks or technical service providers.

Unless a specific notice states otherwise, a Payment Provider is not acting as Playto's agent for accepting changes to the Service Order, resolving the quality of the professional Service, or changing Playto's refund obligations.

Playto does not publish every processor, acquirer, bank or infrastructure relationship in this general disclosure unless identification is legally or contractually required or is reasonably necessary to understand the relevant service.

Where the identity, regulated role or terms of a Payment Provider must be disclosed for a particular payment method, Playto may present that information in checkout, onboarding, an account interface, a mandate, a payment-method notice or another document applicable to that transaction.

A provider-specific notice applies only to the payment functionality it identifies. If a mandatory provider term conflicts with these general Disclosures for that functionality, the mandatory provider term controls to the extent required. It does not silently change Playto's role as seller or amend unrelated transaction terms.

Payment methods can vary by Buyer location, transaction currency, amount, Service Partner profile, recurring-payment requirements, risk review, device capability, provider availability and applicable law.

A method displayed for one transaction is not guaranteed to be available for another. Methods can be added, removed, temporarily unavailable or subject to different limits as provider capabilities, commercial arrangements or legal requirements change.

Playto determines which payment methods are offered for a particular transaction. A Service Partner cannot require Playto to offer a method that is unsupported, unavailable, unlawful or inconsistent with Playto's approved operating arrangements.

Some payment methods have separate rules established by the relevant bank, network, wallet or Payment Provider. If separate terms, mandates, authorizations or notices are required for the chosen method, they may be presented before payment or through the provider-controlled flow.

Those terms govern use of the relevant payment method. They do not replace the Buyer Terms governing the purchase of the professional Service unless the applicable document clearly and lawfully states otherwise.

Do not complete a payment using a method whose required authorization or terms you do not accept. Where provider terms change materially in a way that requires renewed authorization or notice, Playto will apply the required process before relying on the change.

Card payments may involve a card network, issuing bank, acquiring institution, processor and authentication or fraud services.

By submitting a card transaction, the Buyer authorizes the applicable payment participants to process the amount and transaction presented at checkout, together with any separately authorized recurring or subsequent transaction permitted by the applicable terms.

Card authorization does not guarantee final settlement. A card transaction can later be declined, reversed, refunded, disputed or charged back under applicable issuer, network and legal rules.

Playto does not require Buyers to waive card-dispute rights that cannot lawfully be waived.

Bank-based methods can include ACH, wire transfer, local bank transfer, account-to-account payment or another supported bank method.

Instructions may identify an account, reference number, virtual account or payment identifier that must be used so the incoming payment can be matched to the correct Playto transaction. A designated payment account is not automatically a bank account opened for the Buyer or Service Partner.

The Buyer must send the correct amount and currency using an account the Buyer is authorized to use. Bank charges, intermediary fees, processing times, return rights and finality can differ by method and financial institution.

Where a debit authorization or mandate is required, the applicable authorization terms govern the debit. A transfer is not treated as finally completed merely because the Buyer initiated it. Completion depends on receipt, matching, clearing and any applicable return rules.

Digital wallets and alternative payment methods may require the Buyer to authenticate with the wallet, bank or provider, accept method-specific terms, or use a provider-controlled interface.

Some methods may differ from cards in their support for recurring billing, delayed capture, partial refunds, chargebacks, reversals or settlement timing. The functionality actually presented for the transaction controls.

When a provider independently operates part of the payment experience, its own privacy, security and account terms may apply to its relationship with the Buyer.

A payment flow may redirect the Buyer to a bank, wallet or other Payment Provider for authentication or approval and then return the Buyer to Playto.

Buyers should verify that a redirected page or application is the provider they intended to use and should not enter credentials into a page that appears suspicious or materially inconsistent with that provider.

Playto may require additional authentication, step-up verification or security checks where required by the provider, payment method, applicable law or transaction risk.

Depending on the payment method and technical integration, payment credentials may be entered directly into a Payment Provider's hosted page, embedded field, wallet or banking interface rather than being stored by Playto in raw form.

These Disclosures do not represent that Playto directly receives or stores every category of payment credential. The actual data flow depends on the payment method and implementation.

Never send full card numbers, card security codes, online-banking passwords, one-time authentication codes or wallet recovery credentials to Playto through ordinary email or support messages.

A payment method may be offered for recurring billing only where the method supports the required recurring or merchant-initiated functionality and the Buyer has provided the necessary authorization.

The Recurring Payment Terms govern recurring authorization, billing frequency, material changes, cancellation and related transaction records.

Where applicable rules permit, updated card or payment credentials supplied through an authorized account-updater or network process may be used to maintain an existing recurring authorization. That process does not create a new recurring commitment beyond the authorization already in place.

Payment processing can involve several stages. Authorization generally means that the payment method has approved or provisionally approved the transaction for processing. It does not necessarily mean the funds have finally cleared or settled.

Playto may treat a transaction as pending until the applicable payment has cleared where reasonably necessary for fulfillment, fraud review, settlement administration or applicable payment rules.

A payment that appeared successful can later be returned, reversed or disputed. If that occurs, Playto may update the transaction status and apply the Buyer Terms, Service Partner Terms and settlement policies governing the resulting balance.

No generic "successful" status displayed before final settlement should be interpreted as waiving a lawful return, reversal or dispute right.

A Payment Provider or financial institution may decline a transaction for reasons that Playto cannot always see or disclose. A decline does not necessarily mean that the Buyer lacks funds or that Playto has made an adverse judgment about the Buyer.

Playto may permit the Buyer to retry, choose another supported method or correct information where appropriate. Playto will use reasonable controls intended to reduce duplicate charges when a prior attempt has an uncertain status.

If a Buyer believes a duplicate, incorrect or unauthorized charge occurred, the Buyer should contact support@playto.so and the relevant financial institution where appropriate.

A transaction may involve a transaction currency, a payment-method currency and, for Service Partner settlement, a payout currency. These currencies may differ.

Where Playto presents a currency conversion, exchange rate, markup or other FX pricing as part of a transaction, the pricing shown or otherwise agreed for that transaction governs.

A Buyer's bank, issuer, wallet or other provider may independently apply its own conversion rate or foreign-transaction charge. Those third-party charges are outside Playto's control unless Playto expressly states that they are included in the amount presented.

The Buyer is responsible for the amount, taxes and other charges that Playto expressly presents as part of the transaction.

A Payment Provider or financial institution may separately charge fees under its own relationship with the Buyer, such as an issuer foreign-transaction fee, wire fee, overdraft fee or wallet charge. An independently imposed third-party fee is not part of Playto's transaction price unless Playto expressly says it is.

Playto's handling of transaction taxes is governed by the Tax, VAT & GST Policy.

The description shown on a bank, card or wallet statement may depend on the payment method and provider configuration. It may identify Playto, an approved transaction or business descriptor, a Payment Provider, or a permitted combination of those elements.

Playto will provide or make available a receipt, invoice or transaction record that reasonably identifies the purchase and helps the Buyer reconcile the statement entry with the professional Service purchased from Playto.

A statement descriptor is payment-routing and recognition information. It does not override the identity of the seller stated in the Buyer Terms, Service Order, invoice and receipt.

If a Buyer does not recognize a statement entry, the Buyer should compare it with Playto receipts and transaction history where practical and contact support@playto.so promptly if the charge remains unfamiliar.

Where Playto approves or is required to provide a refund, Playto will ordinarily initiate it through the original payment method where that route remains available and appropriate.

Refund mechanics and timing after initiation can depend on the Payment Provider, method, network and Buyer's financial institution. Some methods may process a refund as a credit, reversal or another payment entry, and some methods can require a different lawful return process.

The Refund & Cancellation Policy governs whether a Buyer is entitled to a Playto refund. Payment infrastructure does not independently create a broader refund right unless applicable law or the relevant payment-method rules require it.

A Buyer may have chargeback, unauthorized-payment, bank-dispute or similar rights under the rules of the relevant issuer, bank, payment method or applicable law.

An external dispute is separate from Playto's internal complaint or refund process. Playto may provide relevant authorization, Service Order, delivery, transaction and communication evidence through the applicable dispute process.

A signed agreement, Buyer confirmation or Playto complaint decision may be relevant evidence but does not guarantee the outcome of a payment dispute.

The Complaints Policy explains Playto's internal complaint route. Using that route does not suspend an external dispute deadline unless the applicable rules expressly provide otherwise.

Playto and Payment Providers may use transaction information, device signals, authentication data, identity information and other relevant information to prevent fraud, account takeover, transaction laundering, sanctions violations and unauthorized payments.

A transaction may be declined, delayed or subject to additional verification where reasonably required by law, provider rules or risk controls.

Security and verification controls reduce risk but do not guarantee that fraud cannot occur. Buyers and Service Partners remain responsible for protecting account credentials and promptly reporting suspected compromise.

Playto may share transaction, identity, device, billing and other information with Payment Providers where reasonably necessary to authorize, authenticate, process, settle, refund, reconcile, secure or investigate a payment.

Depending on the activity, a Payment Provider may process information as Playto's processor or service provider, as an independent controller, or in another legally recognized role.

The Privacy Policy describes Playto's processing and recipient categories. Provider-specific privacy notices may apply where a Payment Provider independently determines its own processing purposes.

Payment data should not be disclosed to a provider merely because it is technically convenient where the disclosure is unnecessary for the relevant purpose.

Playto may use banks, payout providers or other financial-service participants to pay amounts due to a Service Partner.

A payout provider may require account verification, recipient information, bank details, sanctions screening or other information before completing a payout.

Use of a payout provider does not make that provider the Buyer-side seller and does not change the Service Partner's Supplier Price or settlement rights except where the Service Partner Terms, Account Schedule or settlement policy expressly provides otherwise.

Payout eligibility, reserves, set-off and settlement timing are governed by the Supplier Settlement, Reserves & Set-Off Policy.

These Disclosures do not state that Playto holds Buyer funds in escrow, as trustee, as a bank deposit for a Service Partner, or in a separately safeguarded account for the benefit of a particular party unless a specific written arrangement expressly says so.

A designated collection account, virtual account, payment reference or provider-held balance is payment infrastructure and does not by itself create a bank account in the name of the Buyer or Service Partner.

Likewise, using a bank, wallet, processor or payout provider does not make Playto the Buyer's bank, card issuer or wallet provider. Any separate regulated relationship will be identified by the terms applicable to that service.

A Payment Provider may impose lawful limits concerning supported countries, business categories, transaction amounts, currencies, authentication, identity verification, recurring payments, data or other payment functionality.

Playto may apply a stricter restriction than a Payment Provider or may decline to offer a method even where a provider technically supports it. Provider support does not mean Playto has approved the underlying Service Partner, jurisdiction or transaction.

Playto will not use provider availability as a basis to complete a transaction prohibited by applicable law, the Acceptable Use & Restricted Businesses Policy or the Restricted Jurisdictions Policy.

Payment Providers, card networks, banks and payment methods can experience outages, maintenance, processing delays or service changes outside Playto's direct control.

Playto may temporarily disable a payment method, reroute a transaction through an approved alternative arrangement where lawful, or ask the Buyer to use another supported method. Playto will not intentionally change the amount or recurring commitment merely because the underlying payment route changes.

Playto may change, add or remove Payment Providers or methods as products, commercial arrangements, legal obligations or risk requirements evolve. Where a change materially affects an existing authorization, settlement arrangement or contractual right, Playto will provide the notice or obtain the acceptance required by applicable law and the governing agreement.

Playto does not promise that a particular underlying provider will remain available for the life of an account unless Playto expressly agrees otherwise in writing.

These Disclosures explain payment infrastructure and do not replace the substantive rules governing a transaction.

The Buyer Terms govern the Buyer's purchase from Playto. The Service Partner Terms govern Playto's supplier relationship. The Recurring Payment Terms govern recurring authorization. The Refund & Cancellation Policy governs direct refunds. The Supplier Settlement, Reserves & Set-Off Policy governs Service Partner settlement.

A Payment Provider's own terms may govern its separate relationship with a Buyer or Service Partner, such as an issuing-bank, wallet or bank-account relationship. Those terms do not give the Payment Provider authority to amend Playto's Service Order unless Playto expressly agrees.

If a mandatory payment-method term conflicts with these general Disclosures for use of that specific method, the mandatory term controls only to the extent required for that method.

For questions about a payment method, statement entry, payment status, refund or other transaction issue, contact:

support@playto.so

Playto, Inc.
8 The Green, Ste R
Dover, DE 19901
United States

Include the relevant transaction or invoice reference where available. Do not send passwords, full card numbers, card security codes, online-banking credentials or authentication codes by ordinary email.