Terms & Conditions

2.1. Eligibility

To register as a Merchant, you must:

• Be at least 18 years old or be a legally established business entity
• Hold a national ID card/tax ID and business legal documents (where required)
• Hold a bank account in the registered Merchant's name
• Operate a legal business that does not break the law

2.2. Account Information

You are responsible for:

• Providing accurate and complete information
• Updating information when it changes
• Keeping your password and API Key confidential
• All activity that takes place in your account

2.3. Identity Verification (KYC)

As a payment acceptance platform working with a Payment Service Provider licensed by Bank Indonesia, we are required to verify identity (Know Your Customer) before a Merchant account can accept transactions. You therefore agree to:

• Provide correct verification data, including: name as on your ID, national ID number/ID card, tax ID (for business entities), business address and photos, business type, and settlement bank account.
• Accept that an account that has not passed KYC verification cannot process payments; transaction services are enabled once verification is approved.
• Ensure the settlement account holder's name matches the verified identity (for individuals, the name on the ID card).
• Accept that we may request additional documents or explanations, re-verify, or restrict the service if data cannot be verified or a discrepancy is found.
• Accept that sensitive KYC documents and data are stored encrypted and handled in accordance with our Privacy Policy.

3.1. Licence

We grant you a limited, non-exclusive, non-transferable licence to use the Service in accordance with these terms and conditions.

3.2. Merchant Obligations

As a Merchant, you must:

• Provide accurate product/service descriptions to Customers
• Process transactions honestly and without misleading anyone
• Provide good customer service to end users
• Handle disputes and refunds in accordance with applicable policies
• Comply with all applicable laws and regulations

3.3. Prohibited Activities

Merchants are PROHIBITED from using the Service for:

• Illegal products/services: drugs, firearms, pornography, gambling, and the like
• Fraud: phishing, scams, illegal multi-level marketing
• Intellectual property infringement: pirated products, counterfeit goods
• High-risk activities: fraudulent investments, get-rich-quick schemes
• Money laundering or suspicious transactions
• Violations will result in suspension or permanent closure of the account.

4.1. Transaction Fees

Merchants are charged a fee per transaction according to the payment method chosen. Fee details are available on the Fees page.

4.2. Settlement

• Transaction funds are settled to the Merchant's account on the settlement schedule of each payment method
• Transaction fees are deducted automatically from the settlement amount
• We reserve the right to hold settlement where there are indications of fraud or a violation

4.3. Refunds & Chargebacks

• The Merchant is fully responsible for refunds to Customers
• Chargebacks that occur are charged to the Merchant
• Chargeback costs are deducted from the next settlement

5.1. Fraud Prevention

We operate monitoring systems to detect suspicious transactions. Merchants must cooperate with fraud investigations.

5.2. Indemnity

The Merchant agrees to compensate SekaliPay for losses arising from fraud, chargebacks, or violations of these terms and conditions.

5.3. Regulatory Compliance & AML/CFT

The Service operates with reference to applicable payment system regulations, including Bank Indonesia provisions and the principles of Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT). The Merchant agrees to:

• Not use the service for money laundering, terrorism financing, or transactions that violate the law or Bank Indonesia provisions.
• Not conduct fictitious transactions, cash-out schemes (gestun), or fund withdrawals without a legitimate transaction.
• Cooperate with verification, transaction monitoring, and reporting required by regulators.
• Accept that we may hold funds, restrict, or stop the service to meet compliance obligations or requests from competent authorities.

7.1. Temporary Suspension

We may suspend your account if:

• There is suspicious activity or fraud
• The chargeback rate exceeds a reasonable limit (more than 1%)
• The Merchant is unresponsive to requests for information

7.2. Permanent Closure

We reserve the right to close an account permanently where a serious violation of these terms and conditions is proven.

7.3. Reporting to Authorities

In the event of a serious violation or suspected criminal offence (including fraud, money laundering, or other illegal activity), we may cancel suspicious transactions and report the Merchant and related data to law enforcement or the competent authorities.