ChargebackZ3N Terms & Conditions
A CARDZ3N Inc. Service
Effective Date: August 24, 2026
SECTION 1: PARTIES, SCOPE, AND INCORPORATION
These ChargebackZ3N Terms of Service (“Service Terms”) are a binding agreement between CARDZ3N Inc., a Delaware corporation, doing business as ChargebackZ3N (“CARDZ3N,” “we,” or “us”), and the business identified in the applicable service application, order form, or payment authorization (“Client,” “you,” or “your”).
By executing a service application, order form, or payment authorization referencing these Service Terms, or by accessing or using CARDZ3N's chargeback management, dispute-prevention, and related services (collectively, the “Services”), you agree to be bound by these Service Terms.
These Service Terms, together with any service application, order form, pricing schedule, and payment authorization referencing them (collectively, the “Agreement”), are the entire agreement between you and CARDZ3N regarding the Services. If your business also has a separate CARDZ3N Merchant Services Agreement for card processing, that agreement governs your processing relationship; these Service Terms govern only the chargeback management and dispute-prevention Services described here. In the event of conflict between these Service Terms and an order form or pricing schedule, the order form or pricing schedule controls solely as to fees and commercial particulars.
SECTION 2: SERVICES AND DATA DELIVERY
CARDZ3N provides software and managed services to assist merchants with fraud management, chargeback and dispute prevention, chargeback representment, analytics, and related risk-mitigation and advisory services, as further described in your service application and any applicable pricing schedule (together, “Schedules”), which are incorporated into the Agreement by reference.
Client agrees to provide CARDZ3N with the data, access, and authorizations reasonably required to deliver the Services, including card-brand data, merchant account information, transaction data, and outcome information, and consents to CARDZ3N receiving available card-brand data for its enrolled merchant accounts.
The Services are provided “as is” and “as available.” CARDZ3N will use commercially reasonable efforts to maintain their availability and performance, but does not guarantee uninterrupted access, a specific uptime percentage, or a specific response time unless a separate service-level schedule expressly says otherwise. CARDZ3N may perform scheduled or emergency maintenance and will give advance notice of scheduled maintenance where reasonably practicable.
SECTION 3: FEES, INVOICING, AND PAYMENT
Client shall pay all fees set forth in the applicable Schedule or service application, which may include setup fees, integration fees, monthly platform fees or minimums, per-alert or per-dispute fees, representment fees, and other transaction- or service-based fees. Unless a Schedule states otherwise, CARDZ3N invoices weekly or monthly for Services rendered during the billing period.
To activate the Services, Client must provide valid billing and banking information through CARDZ3N's designated portal or authorization form. By doing so and signing the applicable authorization, Client authorizes CARDZ3N to charge the designated Payment Method for all amounts due under the Agreement — including setup, integration, recurring platform, transaction-based, alert, penalty, and return-item fees — and authorizes the applicable financial institution to debit Client's account accordingly. CARDZ3N may charge the Payment Method automatically on or after the invoice date consistent with the applicable billing frequency.
Unless otherwise specified, payment is due within five days of the invoice date. Late payments accrue interest at 10% per annum or the maximum rate permitted by law, whichever is lower, and Client is responsible for reasonable collection costs, including attorneys' fees. A returned or rejected payment may be re-attempted and assessed a $35 NSF/return-item fee per occurrence. Billing errors must be reported within 30 days of the invoice date, after which the invoice is final. Client is responsible for all applicable taxes and duties (excluding CARDZ3N's own income taxes), which CARDZ3N may add to its invoices. Except as expressly stated or required by law, all fees are non-refundable.
A portion of the total fees associated with transactions, alerts, and chargebacks is paid to or retained by third parties, including acquiring banks, processors, and card-brand networks; CARDZ3N typically receives only a commission or share of those fees as its own compensation. For any fee-based limitation of liability calculation in this Agreement, only CARDZ3N's retained share — not amounts remitted to or retained by third parties — counts as “fees paid to CARDZ3N.”
SECTION 4: TERM AND TERMINATION
Unless a Schedule states otherwise, the Agreement's initial term is one year from the effective date in your signed application, automatically renewing for successive one-year terms unless either party gives written notice of non-renewal at least 30 days before the end of the then-current term. Either party may terminate the Agreement or a specific Service for convenience on at least 30 days' written notice, delivered by email to support@cardz3n.com or by mail to CARDZ3N's notice address in Section 13.1. Client remains responsible for fees incurred through the effective date of cancellation, including any applicable minimum or recurring fees.
Either party may terminate immediately on written notice if the other party materially breaches the Agreement and fails to cure within 30 days after notice (or a shorter period specified for a particular breach), or becomes insolvent, enters bankruptcy or receivership, makes an assignment for the benefit of creditors, or ceases doing business. CARDZ3N may also terminate or suspend Services on five days' notice, or immediately, if Client fails to pay when due, misrepresents its business practices or refund activity, violates applicable law or card-network rules, or materially breaches its confidentiality or data-use obligations.
On termination, all accrued but unpaid fees become immediately due, CARDZ3N will invoice for Services performed through the termination date, and Client's access to the Services ceases except for limited, mutually agreed wind-down activities. Client's payment, confidentiality, and indemnification obligations, the limitations of liability, the dispute-resolution terms, and any other provision that by its nature should survive, survive termination.
SECTION 5: NO WARRANTY OF SERVICES
CARDZ3N will use its expertise and reasonable efforts to provide chargeback management, dispute prevention, and related Services, but does not and cannot guarantee any particular outcome or success rate. Except as expressly provided in the Agreement, CARDZ3N, on behalf of itself and its third-party providers, disclaims all warranties of any kind, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. CARDZ3N does not warrant that the Services will meet Client's requirements, be uninterrupted or error-free, or that defects will be corrected, and is not responsible for business decisions Client makes in reliance on the Services or any deliverable.
SECTION 6: CLIENT REPRESENTATIONS AND RESPONSIBILITIES
Client represents that it has the legal right and authority to enter the Agreement, provide the required data and outcome information, and authorize debits to its Payment Method; that any data or outcome information it provides is accurate, complete, and lawfully obtained; and that it will use the Services only for their intended business purpose, in compliance with applicable law and card-network rules, and not resell them to third parties without CARDZ3N's written authorization.
Client is solely responsible for maintaining appropriate security safeguards over its own systems and data. Client shall maintain commercially reasonable insurance for its business operations, including general commercial liability coverage and, if Client processes, stores, or transmits payment card data or other sensitive customer information, cyber liability and data breach insurance, and shall provide certificates of insurance on request.
Client represents that it is not located in, organized under the laws of, or owned or controlled by persons in a country subject to comprehensive U.S. trade sanctions; is not identified on the U.S. Treasury's Specially Designated Nationals and Blocked Persons List or any comparable list; and will comply with applicable export-control, sanctions, and anti-money-laundering law in its use of the Services. CARDZ3N may immediately suspend or terminate the Agreement for breach of this Section.
SECTION 7: DISPUTE AND CHARGEBACK PREVENTION SERVICES
The following applies when Client enrolls in CARDZ3N's dispute- and chargeback-prevention programs, including Visa's Verifi network (Rapid Dispute Resolution, Order Insight, and Compelling Evidence) and Mastercard's Ethoca network (Alerts and Consumer Clarity).
7.1 Definitions
- “Alert” means information about a confirmed or likely disputed transaction that Mastercard's or Visa's dispute networks create or distribute.
- “Alert Data” means the transaction-level information provided as part of the Service, which may include card or account number, transaction amount and type, currency, acquirer reference number, merchant descriptor, transaction date and time, authorization details, and any source identifier the Participating Issuer provides.
- “Compelling Evidence” (currently, “Compelling Evidence 3.0”, or its then-current Visa-designated successor) means the Visa program permitting a merchant to submit evidence of a cardholder's prior undisputed transactions to deflect a Visa reason-code 10.4 (fraud) dispute, and, where successful, to have the underlying fraud report excluded from that merchant's ratio under Visa's then-current dispute-and-fraud monitoring program.
- “Order Insight” and “Consumer Clarity” mean the Visa and Mastercard programs, respectively, that allow a merchant to provide transaction details in response to a cardholder inquiry in an effort to resolve a potential dispute before it becomes a chargeback.
- “Outcome Information” means the result Client provides in response to an Alert — for example, that the transaction was refunded, previously refunded, partially refunded, cancelled, or not found — together with the date, time, and any additional relevant commentary.
- “Participating Issuer” means a card issuer that has agreed to provide Alert Data to Mastercard or Visa.
7.2 How the Service Works
When CARDZ3N receives Alert Data or an order-validation request from a card network or its data providers, CARDZ3N distributes it to Client (by email, portal, or API) and facilitates Client's Outcome Information and transaction details back to the network, with the goal of reducing fraud losses and chargebacks.
7.3 Client Obligations
- Consent to CARDZ3N receiving Alert Data for all enrolled merchant identifiers and descriptors, and permit Visa and Mastercard to send Alerts for those identifiers, including hard and soft billing descriptors
- Use Alert Data only to address the specific transaction it relates to, consistent with card-network restrictions
- Monitor and process Alerts within 24 hours of their appearance; Alerts not processed within that window may close automatically and become ineligible
- Timely provide accurate Outcome Information back to CARDZ3N
- Understand that Client is charged for every Alert that appears in CARDZ3N's system, whether or not Client acts on it
Client shall provide at least 30 days' written notice to unenroll a descriptor from an alert program, shall not share Alert Data with a third party except as necessary to fulfill its own obligations and only where that party is bound by confidentiality and security obligations at least as protective as those here, and shall not refund a transaction based solely on an order-validation inquiry (recognizing that certain cases, such as Verifi's Rapid Dispute Resolution, are refunded directly by the acquiring bank and must be reconciled separately by Client).
Because these Services depend on third-party card-network programs whose terms, pricing, and availability may change, CARDZ3N may modify the applicable fees or procedures on 30 days' notice to reflect a card network's own changes. If a change materially reduces the scope of Service or materially increases Client's cost, Client may terminate the affected Service on written notice within 30 days of that notice.
7.4 Billing Credit Policy
Certain Alerts that do not successfully prevent a chargeback may be eligible for a billing credit. Client is solely responsible for timely, properly documented credit requests; credit approval is determined by the underlying data provider (Verifi or Ethoca), not by CARDZ3N.
- Eligible for credit: an Alert that was refunded within 24 hours but still became a chargeback; a chargeback received before the corresponding Alert; a previously-refunded transaction that generated an Ethoca Alert (Verifi does not credit this scenario); an Alert on a transaction that was declined before settlement; or duplicate Alerts from the same provider on one transaction
- Not eligible for credit: Order Insight inquiries or Rapid Dispute Resolution cases
Credit requests must be submitted within 30 days of the Alert or chargeback date and must include the documentation format the applicable data provider requires.
SECTION 8: CONFIDENTIALITY AND DATA SECURITY
Each party will keep confidential the other's non-public information, including customer data, transaction information, pricing, and the terms of the Agreement, using safeguards at least as protective as those it uses for its own confidential information, and will not disclose it except as permitted or required by law. Confidentiality does not extend to information that becomes public through no fault of the receiving party, was lawfully known before disclosure, is lawfully received from a third party without restriction, or is independently developed without reference to the disclosing party's information — except that customer data remains protected in all circumstances.
If a party becomes aware of unauthorized access to, disclosure of, or acquisition of the other's confidential information (a “Data Breach”), it will notify the other party in writing within 72 hours of discovery, provide reasonable detail on the nature and scope of the incident, take prompt action to investigate, contain, and remediate it, and cooperate with the other party's reasonable investigation and any applicable legal notification obligation. A breach of this Section may cause irreparable harm, and the non-breaching party may seek injunctive relief in addition to other remedies.
CARDZ3N and/or its third-party technology licensors retain all intellectual-property rights in the Services' underlying software, systems, and documentation. No ownership interest in that underlying technology is transferred to Client; Client receives only a limited, non-exclusive, non-transferable license to use the Services for its internal business purposes during the term.
SECTION 9: PROMOTIONAL USE AND TRADEMARK LICENSE
Client grants CARDZ3N a limited, non-exclusive, royalty-free license to use Client's name, trademarks, and logos in CARDZ3N's promotion and marketing of the Services, including on CARDZ3N's website and in marketing materials, case studies, and publicity. CARDZ3N will use Client's marks professionally and consistent with any written usage guidelines Client provides. Client may revoke this license on 30 days' written notice, after which CARDZ3N will stop new uses but is not required to recall previously distributed materials. All goodwill arising from CARDZ3N's use of Client's marks inures to Client's benefit; CARDZ3N acquires no ownership interest in them.
SECTION 10: INDEMNITY AND LIMITATION OF LIABILITY
Each party will indemnify, defend, and hold harmless the other and its officers, directors, employees, agents, affiliates, and third-party providers from third-party claims, losses, liabilities, and reasonable expenses (including attorneys' fees) arising from the indemnifying party's breach of its representations, warranties, or covenants, or from its gross negligence or willful misconduct.
CARDZ3N is not liable for the loss of a merchant account, associated revenue, or a rolling reserve caused by an acquiring bank, processor, or card network's own action or inaction, except to the extent the loss directly results from CARDZ3N's gross negligence or willful misconduct. Client is responsible for its own data-security safeguards and for any breach of data provided to it by CARDZ3N, and will indemnify CARDZ3N against claims arising from such a breach.
To the maximum extent permitted by law, neither party is liable to the other for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits or revenue, arising out of the Agreement or the Services, even if advised of the possibility of such damages.
To the maximum extent permitted by law, CARDZ3N's total aggregate liability arising out of the Agreement or the Services — whether in contract, tort, or otherwise — will not exceed the total fees actually retained by CARDZ3N (that is, CARDZ3N's own commission, excluding amounts remitted to or retained by banks, acquirers, processors, card networks, or other third parties) for the specific Services giving rise to the claim during the six months immediately preceding the event giving rise to the claim. This limitation applies only to CARDZ3N's own retained share of fees and does not extend to amounts charged, retained, or payable to third parties, for which CARDZ3N has no responsibility.
SECTION 11: NONCOMPETITION, NON-SOLICITATION, AND EMPLOYEES
During the term and for one year afterward, Client will not develop, offer, sell, or distribute a service competing with CARDZ3N's chargeback support, fraud protection, alert notification, chargeback management and mitigation, merchant error analysis, or dispute resolution services, except that Client may develop and use such a service solely in-house for its own business. Violating this Section is grounds for CARDZ3N's immediate termination of the Agreement without liability, and CARDZ3N may seek equitable relief and any other available remedy.
During the term and for one year afterward, Client will not, directly or indirectly, solicit business from CARDZ3N's other customers where that solicitation is directly competitive with CARDZ3N's business, solicit the withdrawal of other CARDZ3N customers, or induce a CARDZ3N customer to reduce or cancel its business with CARDZ3N, whether Client acts alone or through any other entity. During the same period, Client will not hire or solicit for hire any person employed or engaged by CARDZ3N in a managerial, technical, professional, or advisory capacity.
SECTION 12: FORCE MAJEURE
Neither party is liable for delay or failure in performance (other than payment obligations) caused by events beyond its reasonable control, including acts of God, natural disaster, war, terrorism, civil unrest, labor disputes, government action, epidemic or pandemic, or failure or unavailability of third-party services, data providers, or card-network systems. The affected party will promptly notify the other and use commercially reasonable efforts to mitigate the effect and resume performance. If a force majeure event continues more than 60 consecutive days, either party may terminate on written notice, and Client will pay for Services performed through the termination date.
SECTION 13: NOTICES, DISPUTE RESOLUTION, AND GENERAL TERMS
13.1 Notices
Notices must be in writing, delivered by personal delivery, certified or registered mail, nationally recognized courier, or email to the addresses each party designates. Notices to CARDZ3N should be sent to CARDZ3N Inc., Attn: Legal Department, 4262 Blue Diamond Rd, Bldg 102, Ste 191, Las Vegas, NV 89139, email legal@cardz3n.com. Email notices are effective when successfully transmitted, absent a bounce-back or similar error.
13.2 Amendments
CARDZ3N may update these Service Terms from time to time by posting revised terms at cardz3n.com. CARDZ3N will communicate material changes by email or another prominent method where practicable, and will update the “Effective Date” above. Continued use of the Services after an update constitutes acceptance of the revised terms; if Client does not agree, Client may terminate under Section 4.
13.3 Governing Law and Dispute Resolution
This Agreement is governed by the laws of the State of Nevada, without regard to conflict-of-laws principles. Any dispute arising from or relating to this Agreement shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator for claims under $100,000 (three arbitrators for larger claims), seated in Las Vegas, Nevada, with a written award issued within 60 days of hearing. If CARDZ3N prevails, Client pays AAA and arbitrator costs; if Client prevails on the majority of its claims, CARDZ3N pays those costs; each party otherwise bears its own attorneys' fees. Claims for trademark or trade secret infringement, allegations of fraud or unauthorized computer access, disputes subject to Card Association resolution procedures, collection of unpaid fees, and requests for emergency injunctive relief may be brought in court rather than arbitration.
13.4 Assignment
Client may not assign or transfer the Agreement without CARDZ3N's prior written consent, except in connection with a merger or sale of substantially all of Client's assets, provided the assignee agrees in writing to be bound. CARDZ3N may assign the Agreement to an affiliate or successor without consent.
13.5 Additional General Terms
The prevailing party in an arbitration or court proceeding under this Agreement is entitled to recover its reasonable attorneys' fees and costs. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or deemed deleted, and the remaining provisions remain in full force. No waiver of any provision is effective unless in writing and signed by the waiving party, and no waiver of one breach waives any other breach. The parties are independent contractors, and nothing in the Agreement creates a partnership, joint venture, agency, franchise, or employment relationship. Upon Client's written request, CARDZ3N may perform additional services beyond those in the applicable Schedule, to be paid for and governed as the parties agree in writing. This Agreement may be executed in counterparts, and electronic signatures are valid for all purposes.
SECTION 14: CONTACT INFORMATION
For questions about these Service Terms or to provide any required notice, contact:
CARDZ3N Inc.
Email: legal@cardz3n.com
Phone: 702-623-3528
Website: cardz3n.com
Last Updated: August 24, 2026
Applies to: ChargebackZ3N Services, a CARDZ3N Inc. product
