LEGAL

Supplier Settlement, Reserves & Set-Off Policy

This Policy explains how amounts owed to Service Partners are calculated, when they become eligible for payout, and how reserves, deductions and settlement questions are handled.

Last updatedSeptember 10, 2026
PAYOUT ELIGIBILITYWeekly payouts apply to eligible amounts under the accepted account terms.
RESERVES & ADJUSTMENTSTemporary reserves, final deductions and repayments are recorded separately.
SUPPORTSettlement and payout questions: support@playto.so

This Supplier Settlement, Reserves & Set-Off Policy ("Policy") governs amounts payable by Playto, Inc., a Delaware corporation at 8 The Green, Ste R, Dover, DE 19901, United States ("Playto", "we", "us" or "our"), to the approved professional-service business supplying Playto ("Service Partner", "you" or "your"). It applies when properly incorporated into your agreement with Playto.

For an approved Transaction, the Buyer purchases the Service from Playto as seller and Merchant of Record. You supply the underlying Service to Playto for resale. Playto separately owes you the agreed Supplier Price, subject to the governing agreement. Settlement here means calculating and paying that supplier obligation. It does not make Playto a collection agent for a separate sale between you and the Buyer.

This Policy does not change the Buyer's rights, make a Buyer refund conditional on recovery from you, or authorize you to demand payment from the Buyer again. It is not a general-purpose money-transfer, banking, escrow or wallet agreement.

Read this Policy with the Service Partner Terms, your accepted Account Schedule and the applicable Service Order. The priority rules in the Service Partner Terms apply. A separately signed agreement controls the provisions it expressly varies; the Account Schedule controls account-specific commercial and payout arrangements; the Service Order controls its approved transaction-specific details. This Policy explains those arrangements and does not override the master terms or create an undisclosed financial obligation.

Capitalized terms have their meanings in the Service Partner Terms. In particular:

  • Supplier Price: the amount payable for your supply under a Service Order, calculated under the Account Schedule before separately recorded withholding, Reserves or liability adjustments. It is not necessarily the gross Buyer Charge.
  • Cleared Payment: a Buyer payment recorded as received and available for the relevant supplier settlement, rather than a pending authorization, unpaid invoice or unconfirmed transfer. Clearance is not immunity from a later return or dispute.
  • Review Period: the ordinary Buyer review or direct-resolution period under the Refund & Cancellation Policy, or a longer period approved in the Service Order. It is not the full period in which a payment can be disputed.
  • Reserve: an amount temporarily withheld or required under the agreement to address identified or reasonably anticipated obligations. It is not a fee or, merely by being reserved, an established loss.

Mandatory law takes priority. Applicable Payment Rules must also be observed, but a payment-system requirement does not authorize conduct prohibited by law. Viewing this page alone does not approve your account or accept a new Account Schedule.

Before the relevant arrangements are activated, your Account Schedule must identify the Supplier Price calculation, applicable charges, settlement and payout currencies, weekly processing day or ascertainable scheduling method, relevant cutoff and time zone, and any account-specific release requirements.

The accepted records must also identify any approved advance, milestone treatment, minimum payout threshold, conversion calculation, Reserve or recovery arrangement. No fixed minimum, new processing charge, payout fee, reserve percentage or interest charge is created by this Policy.

Keep an accurate account contact and verified payout destination. Playto will provide an electronic copy or durable means of retaining your accepted commercial terms. A proposed invoice, dashboard illustration or informal statement does not amend those terms.

Any required invoice or evidence submission deadline must be identified early enough to support the agreed payment timetable. A fixed supplier payment date already accepted in the governing documents is not silently replaced by a later dashboard estimate or a subsequently introduced processing condition.

Each Transaction must have a supplier-side record showing the Buyer Charge, buyer-side transaction taxes, the agreed Playto charges or reseller margin, the Supplier Price, applicable supplier-side taxes, and later adjustments. Amounts collected as buyer-side tax are not distributable supplier revenue.

The amount available for a payout is the eligible Supplier Price, together with applicable released Reserves and reconciliation credits, less only amounts properly withheld, reserved, deducted or set off under the agreement. Previously paid or otherwise satisfied amounts must not be paid or deducted again.

The calculation must distinguish an unpaid entitlement that has been reduced, a temporary restriction, an actual liability deduction and an amount already transferred. A Reserve release changes availability; it is not a second sale. If Playto's agreed margin has already been included in the Supplier Price calculation, it must not be deducted again as another ordinary fee for the same purpose.

The following stages have different meanings, regardless of the labels used in a particular interface:

  1. Authorized or pending: payment has been requested or authorized, but receipt and availability have not been established.
  2. Cleared: the payment meets the Cleared Payment definition. Delivery, review or other eligibility conditions may still be outstanding.
  3. Eligible: the applicable release conditions have been met for an unrestricted amount to enter the relevant payout cycle.
  4. Payout initiated: a payout instruction has been submitted. This does not alone establish receipt by your financial institution.
  5. Credited, failed or returned: the available confirmation establishes the payout outcome or a need for further reconciliation.

A screenshot, invoice, payment attempt or supplier-supplied transfer confirmation is not conclusive proof of clearance or receipt. Status and date records must reflect the underlying event; a ledger edit cannot manufacture an earlier clearance, delivery or acceptance.

Where one Buyer payment covers several Service Orders, or only part of an invoice, the cleared amount must be allocated to identifiable Services or funded stages before the corresponding Supplier Price is treated as available. An unidentified or excess receipt is not automatically a new amount owed to a Service Partner. Once receipt and allocation are verified, the record must preserve the actual applicable clearance event; a later bookkeeping entry alone does not restart the clearance period.

Playto processes eligible supplier payouts weekly. Unless an expressly accepted Account Schedule or supplier transaction record provides a different lawful arrangement, an amount becomes eligible no earlier than the later of:

  1. seven calendar days after the related Buyer payment becomes a Cleared Payment; and
  2. the end of the ordinary Review Period applicable to the funded Service, milestone or recurring service period.

This is a comparison of two dates, not two consecutive seven-day holds. Apply it to the particular funded stage, not automatically to every later stage in a larger project. The review event and calculation must be identifiable from the accepted records.

Eligibility also requires the agreed documents and release conditions, a verified destination, and no lawful restriction affecting the amount. Eligible, unrestricted amounts are included in the next applicable weekly processing cycle. The Account Schedule determines the processing day, cutoff, time zone and relevant holiday treatment; a weekly cadence is not a guarantee of arrival on a particular day.

An amount becoming eligible after the applicable cutoff enters the following applicable cycle, subject to any overriding legal deadline. Playto must not use internal processing cutoffs or its own administrative delay to override a non-waivable payment right.

Calendar-day calculations use the recorded time of the relevant event and the applicable time-zone convention in the accepted records. A Reserve, internal transfer or payout-account update does not by itself reset an already established clearance or review date. Any separate restriction and its continuing basis must be recorded as such.

The Service Delivery Policy and Refund & Cancellation Policy determine the relevant event and review process. The ordinary direct-resolution period is seven calendar days, unless a longer accepted period or later applicable right governs.

  • For non-delivery, the relevant event is the agreed delivery or milestone date.
  • For material failure to match the Service Order, it is delivery of the affected work or when the issue could reasonably have been identified.
  • For ordinary billing or recurring-charge issues, it is the affected charge.
  • For an expressly agreed cancellation right, the Service Order's applicable deadline controls.

For future delivery, the ordinary period must not be treated as expiring before the relevant delivery date. An empty or inaccessible submission cannot manufacture its expiry. Payment, delivery submission and Buyer acceptance remain separate events.

Buyer non-response is not affirmative acceptance. The applicable release conditions determine its payout treatment; this Policy does not introduce mandatory manual approval for every payout. A timely issue remains timely while relevant supporting evidence is collected under the governing policies.

The possibility of a later claim does not indefinitely restart an ordinary Review Period. A known unresolved issue or other continuing exposure may justify a separately identified, proportionate restriction under sections 14 to 16.

A separately priced and funded milestone may be assessed under its own scope, delivery event and Review Period. Unaffected stages must not automatically be held until the entire project ends, unless an accepted arrangement or a documented wider risk justifies that treatment.

Calling a payment a deposit, advance, kickoff fee or mobilization payment does not alone make it earned or immediately payable. An advance or accelerated payout before the related review stage ends must be expressly approved before you rely on it.

The accepted advance record must state the amount or calculation, release event, required evidence, any Reserve and continuing recovery conditions. A lawful approved advance can become payable before final delivery. It must not be recorded as completed work, and it does not reduce the Buyer's rights.

Credit any advance already paid when reconciling subsequent milestones or the final balance. Accelerated availability does not insure the payment or eliminate attributable later reversals. A recurring invoice alone likewise does not establish completion of an ongoing service period.

You must obtain Playto's approval before offering a longer Buyer refund, cancellation, acceptance or review period. The approved commitment must be recorded before the Buyer accepts it.

Unless a different lawful risk arrangement is expressly agreed, the corresponding Supplier Price remains ineligible until that longer ordinary period ends. For an approved advance or accelerated payout, the agreed Reserve or other disclosed risk conditions may instead apply.

A longer commitment affects the corresponding exposure, not automatically all unrelated Transactions. It cannot be shortened after purchase merely to obtain an earlier payout. A Buyer remedy is governed by the accepted Buyer terms and applicable rights, not by whether Playto has already paid you.

Payouts are made to a verified account of your approved legal entity, unless a different beneficiary arrangement has been specifically approved and is lawful. Do not use payout instructions to divert amounts to an undisclosed business, individual or other destination.

Submit changes through Playto's designated authenticated process. A changed email, an invoice note or a message purporting to come from an executive is not, by itself, approval to change the beneficiary. Playto may verify account ownership, representative authority and the lawful purpose of a requested exception.

A material verification concern can delay the affected payout while it is resolved. Account changes do not cancel an already submitted transfer automatically. Notify Playto promptly of incorrect details or suspected compromise so the available stopping, tracing or recovery steps can be considered.

The time between initiation and receipt can depend on the payout method, banking days, cutoffs, destination checks and the approved route. Playto will make available the relevant payout reference and status it has and explain a material delay to the extent lawful.

Contact Playto if an expected payout has not arrived. Do not assume a transfer failed solely because it has not yet appeared in your account. Playto will investigate sufficiently identified reports and reconcile the status before issuing a replacement, to avoid duplicate payment.

If an approved route becomes unavailable, Playto may pause dependent activity while considering a lawful alternative. A materially different beneficiary, currency, cost or contractual arrangement requires the applicable approval or notice. Loss of a route does not erase an amount properly owed or justify indefinite retention of unrelated eligible amounts.

The governing agreement and applicable law determine responsibility for a misdirected or failed transfer. This Policy does not transfer to you losses caused solely by Playto's incorrect execution of valid agreed instructions.

Settlement, accounting and payout currencies may differ only as disclosed in the accepted arrangements. Currency conversion follows the agreed rate or ascertainable calculation, rate-setting event and disclosed margin or charge. The relevant records must identify the currencies, amounts and rate applied.

An estimate is not a guaranteed future exchange rate. A quoted rate applies only for its stated validity and conditions. A material change outside the accepted calculation requires the applicable agreement before execution.

Any fee, conversion spread or recoverable transfer cost must have a basis in the accepted agreement or applicable law. This Policy does not make a fee non-refundable or add a new markup. The treatment of charges after a refund follows the Account Schedule and Service Partner Terms.

For a permitted set-off or adjustment involving different currencies, identify the actual conversion basis and account for relevant previous conversions and credits. Do not create a separate conversion charge that has not been agreed. Independent bank charges and any failed-transfer costs remain subject to the disclosed arrangement and applicable responsibility for the failure.

Provide the accurate tax information, supplier invoice or other lawful document required for your supply to Playto. Buyer-side taxes, taxes on your supply, taxes on Playto's charges and legally required withholding must be distinguished rather than combined into an unexplained deduction.

Self-billing requires the separately accepted authorization and jurisdiction-specific conditions described in the Service Partner Terms. This Policy is not a substitute for that authorization. Do not issue a duplicate invoice for a supply already validly self-billed.

Playto may make a withholding or report required by law. Where permitted, it will identify the basis and provide the associated record available to it. Corrections and tax credits must be reflected through the appropriate document and reconciliation process.

Missing required information may restrict the affected settlement, but documentation requests must be relevant and must not be used to avoid a non-waivable payment deadline. A US contracting entity or a B2B service does not establish a universal tax exemption.

Under the Service Partner Terms, Playto may establish or adjust a transaction-specific, fixed or rolling Reserve where reasonably necessary. A transaction-specific Reserve covers an identified exposure; a fixed Reserve retains an identified amount; a rolling Reserve retains a disclosed portion of defined Transactions under stated release conditions.

Relevant grounds can include advance-delivery exposure, refund or dispute history, rapid volume changes, concentration, missing material evidence, credible fraud concerns, deterioration in ability to perform, legal obligations or binding payment requirements. Playto may restrict new activity or request additional security in accordance with the agreement where the exposure warrants it.

The Reserve must remain proportionate to the reasonably identified exposure. A request or allegation is not automatically an established liability. Amounts temporarily retained for investigation must remain distinguishable from final deductions.

No fixed percentage, universal holding period, security deposit or guarantee is imposed by this Policy. An additional funding or security requirement must have the contractual basis, notice and acceptance required by the governing agreement and law.

To the extent legally permitted, Playto will give written notice identifying the affected amount or calculation, reason, release or reassessment conditions and route to request review. The calculation should make clear the relevant Transactions or period, the amount retained and the release event or condition.

An urgent restriction may take effect before notice where reasonably necessary, with notice as soon as lawful and practicable. Restricted fraud-detection information, another person's confidential information or a legally prohibited explanation need not be disclosed.

Playto will reassess the amount and duration periodically and when relevant material evidence is provided. You may submit delivery evidence, resolved-claim information, corrected records or other material facts through the review route. Reassessment is not a guarantee of immediate release.

The same exposure must not be covered twice through overlapping restrictions. Where an amount is already unavailable under ordinary eligibility conditions, a separate Reserve must identify any additional exposure it addresses or replace the relevant restriction without double counting. A rolling Reserve record must identify its release basis; new unrelated activity does not silently restart every earlier amount's holding period.

For a percentage-based Reserve, the notice must identify the calculation base, including whether it uses the Buyer Charge, Supplier Price or another agreed amount and how taxes and prior adjustments are treated. For each retained amount or identifiable group of amounts, the record must identify the start event, applicable duration or release condition, and amounts applied or released. Where a Reserve has a target balance, its funding and replenishment rules must be stated; a target is not an additional fee.

A reassessment that changes the amount or release conditions must explain the updated basis to the extent disclosure is permitted. A processing restriction affecting Playto does not, by itself, establish that you owe a loss attributable to another Service Partner. Any resulting hold and any claimed reimbursement must each have the separate basis required by the governing agreement and law.

Playto will release amounts no longer reasonably needed through the next applicable payout cycle, subject to an overriding legal deadline and any other independently applicable restriction. Where only part remains necessary, the remaining eligible amount must be reconciled and released.

The expiry of a Review Period, Buyer approval or account closure does not erase a documented continuing liability. Equally, a theoretical possibility of future loss is not a basis for indefinite retention without reassessment. A continuing restriction must have a current contractual or legal basis.

Releasing a Reserve does not restart the original seven-day clearance period or create a new review period. The payout follows the existing eligibility and scheduling rules, with any current restriction identified separately.

A Reserve is part of the supplier-payable accounting arrangement. It is not a separately promised insured, interest-bearing, trust or escrow account, and this Policy does not represent that it is segregated or protected from insolvency. Any different protection must arise under an actual applicable arrangement or law, not the label used in a dashboard.

The Service Partner Terms govern the allocation of refunds, returns, reversals, chargebacks and associated costs. Unless a separately accepted arrangement provides otherwise, you bear the commercial risk of a reversal attributable to a Transaction for your Service, including an applicable reversal after payout.

For an unpaid amount, Playto may reduce the corresponding Supplier Price. For an amount already paid, it may recover the corresponding liability under the agreement. Cancelling an unpaid entitlement is not a second cash debt. A partial reversal must be allocated to the affected portion rather than automatically to the whole project.

The reconciliation must account for the actual amount reversed, Supplier Price, amounts retained, agreed margin and fee treatment, tax adjustments and later recoveries. Separate costs must be reasonable, documented, actually incurred, attributable, contractually recoverable and lawful to pass through. No undisclosed penalty or duplicated processing charge is created here.

Playto may provide a valid Buyer remedy or take an authorized, supported fraud or dispute action without your veto. An unsupported goodwill concession is not automatically your liability. Playto must not allocate to you the portion caused by its own breach, negligent processing or unauthorized departure from the agreed Transaction; mixed responsibility is apportioned on the available evidence.

Provide authentic evidence within the applicable case deadline. Payment authentication, a signed agreement or Buyer confirmation does not guarantee a payment-dispute result. The end of the ordinary seven-day period does not end all independent payment-method rights.

A payment-system debit or refund can require an adjustment under the agreed allocation while the underlying case remains contested; Playto need not await a separate court judgment to make an adjustment that the agreement already permits. The record must distinguish the debit and current case status from a final outcome, and a later reversal or recovery must be reconciled. A request for information alone is not proof that a chargeback amount has been debited.

Under the Service Partner Terms, Playto may apply amounts otherwise payable to your approved legal entity against amounts that same entity properly owes under the agreement. The record must identify the contractual basis, affected Transaction where applicable, amount and currency, and how the adjustment changes the payable or outstanding liability.

Common ownership alone does not authorize an offset against a different entity's amounts or make an officer personally responsible. Any additional arrangement requires its own lawful basis and agreement.

A provisional Reserve must not be represented as a final determination of a disputed debt. When an amount is applied to satisfy a liability, the Reserve and debt records must both be reconciled. Playto must not recover the same loss through an unpaid-price reduction, Reserve, repayment, indemnity or another route more than once.

Any later net recovery attributable to an amount previously charged to you must be credited through the applicable reconciliation and payout process, accounting for costs or other amounts properly recoverable under the agreement. A claim outcome must not be omitted merely because your account is closed.

Set-off, repayment enforcement and any action involving restricted property remain subject to applicable insolvency law, automatic stays, mutuality requirements and necessary court or regulatory authorization. This Policy does not grant a security interest, a priority over other creditors or permission to evade those restrictions by relabeling a deduction as a Reserve.

If amounts available for a permitted set-off do not cover a properly owed liability, Playto may issue an itemized repayment demand. It must state the basis, credits or amounts already applied, outstanding amount and payment instructions.

Unless a different period is agreed or required by law, an undisputed amount is repayable within seven calendar days after receipt of the demand, as provided in the Service Partner Terms. Raise a genuine dispute promptly with its basis and relevant evidence. A dispute does not prevent a proportionate Reserve while the matter is investigated or postpone an otherwise undisputed amount.

Playto may restrict new Transactions or request additional security where an unpaid exposure materially affects the relationship, within the governing agreement and applicable law. This Policy adds no late fee, interest rate, penalty or automatic cross-account collection right.

Neither this Policy nor the Service Partner Terms alone authorizes a debit from your external bank account or a charge to your card. Such collection requires a separate valid authorization and compliance with the applicable method. No blanket asset lien or personal guarantee is created.

A failed or returned payout must be reconciled to the underlying instruction before a replacement is issued. Where amounts return, the record must identify the returned amount, any properly applicable cost or adjustment, and the amount that remains payable. A failed instruction does not by itself erase the underlying supplier obligation.

Where practical and lawful, Playto will help trace or seek recovery of an erroneous transfer. Recovery of a completed transfer is not guaranteed. A disputed instruction must be investigated using the authorization and execution evidence, not decided solely by who supplied a name or email address.

Notify Playto promptly of a duplicate or excess payout. A verified overpayment may be corrected or recovered through the governing agreement and lawful process, without double recovery. A verified underpayment must be credited and paid through the applicable process, subject to any earlier mandatory deadline.

If a payout has already been initiated, a later restriction must take account of that transfer's actual status. Do not simultaneously treat the same amount as both still unpaid and separately recoverable without explaining and reconciling the entries.

A recall, reversal or correction through a payment network may be requested only for a reason and within a process that the applicable method and law permit. A later Buyer refund or chargeback does not, by itself, turn an otherwise correctly executed supplier payout into an erroneous payment eligible for reversal. Any separate collection must use the agreed and legally permitted recovery process.

Confirmed amounts still owed following a payout error must be corrected under the governing agreement and applicable payment deadline. Where the error is attributable solely to Playto, recovery from an unintended recipient is not an additional condition imposed on your contractual right to payment. Transfer-status checks remain necessary to prevent duplicate payment.

Playto will make payout statements available that distinguish Supplier Price, amounts not yet eligible, Reserves, refunds, reversals, credits, authorized deductions and payouts. Relevant date, currency and reference information must allow the material calculation and movement to be understood.

Report a suspected discrepancy promptly to support@playto.so, identifying your legal entity, Transaction or payout reference, amount, currency and concern. Playto will investigate sufficiently detailed reports and correct established errors. Request further review through the same contact if the explanation does not address the issue.

A delayed error report does not waive a non-waivable right or excuse an amount Playto properly owes. An internal inquiry does not suspend a bank, legal or dispute-response deadline. Requesting review does not require abandoning a valid claim.

Retain relevant accounting, acceptance, delivery and tax evidence under applicable law and the accepted retention requirements. Use an approved secure route for sensitive records. This Policy does not authorize unrestricted access to unrelated client communications or indefinite retention of unnecessary personal information.

The statement or supporting reconciliation must show opening and closing payable and Reserve balances, amounts added, released or applied, and transfers still in progress. A payment received toward a repayment demand must reduce the same outstanding liability before a later set-off or demand is calculated. Corrected entries must preserve the original record and explain the correction rather than silently removing the earlier entry.

Suspension or termination affects new activity as notified, but does not automatically cancel accepted Service Orders or remove accrued delivery, refund, payment, evidence or recovery obligations. Continue the lawful cooperation needed for existing Transactions.

Playto may retain only amounts reasonably necessary for outstanding obligations or lawful restrictions. Unrelated eligible amounts must be reconciled and paid under the agreement. Closure does not start an automatic new holding period or cause forfeiture.

Keep an appropriate contact and lawful verified destination available for final reconciliation. Where ordinary account access is restricted, use support@playto.so for payout records and settlement questions, subject to appropriate identity checks and legal restrictions.

Inactive accounts and amounts below any agreed payout threshold remain subject to the agreement and applicable unclaimed-property requirements. Playto may make required owner-contact attempts, reports or remittances to the appropriate authority. No dormancy fee or right to confiscate a balance is created by this Policy.

An ordinary minimum payout threshold must not prevent final payment of an otherwise eligible, unrestricted balance solely because the account is closing. Playto will arrange payment through an available lawful, verified route, subject to any properly agreed charge and any earlier mandatory deadline. If no such route can be established, the amount remains recorded as owed or is dealt with under applicable unclaimed-property law; it does not become a forfeited balance.

Mandatory supplier or freelance-worker payment protections apply where the actual relationship falls within them. A Review Period, Reserve, Buyer non-payment, payout threshold or payment-system delay must not be used to postpone an amount beyond a non-waivable legal deadline. Where required, Playto must pay the legally due amount and address an independently recoverable claim separately.

Once performance has begun, timely payment must not be conditioned on an unlawful reduction of agreed compensation, additional uncompensated work or an additional transfer of rights. Contractual limitation-of-liability provisions do not erase Supplier Price, Reserve releases or reconciliation credits properly due under the Service Partner Terms.

Sanctions, a court order or other applicable law may independently prohibit a payout, refund, transfer or dealing in affected property. Such a legal restriction is distinct from an ordinary commercial Reserve and must be handled under the applicable requirements. No provision of this Policy authorizes a prohibited payment or set-off.

Where property must legally remain blocked, neither a review-period expiry nor an instruction to return it is sufficient authority for release. Legally restricted property must not be treated as Playto's revenue. Playto will provide the information and next steps it may lawfully disclose; an internal review cannot guarantee that a competent authority will permit release.

This Policy applies through the version properly incorporated into your agreement. Updates follow the notice and acceptance requirements in the Service Partner Terms, including their rules for ordinary material changes and changes required sooner by law, Payment Rules or urgent security needs.

A page update does not retroactively change a Supplier Price, introduce an unaccepted charge, rewrite an earlier Service Order or manufacture missing consent. The displayed update date does not backdate contractual acceptance. Governing law, dispute handling and remaining contractual matters continue under the Service Partner Terms.

For settlement, payout, Reserve, repayment or reconciliation questions, contact support@playto.so.

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

Include your approved legal entity and the relevant account, Transaction or payout reference. Do not email full payment credentials, authentication codes or unnecessary sensitive information. The company address is not a walk-in support location.