Local Payment Terms

Scope

These Local Payment Terms cover JazzCash, Easypaisa, QR payments, bank payouts and Instant Payout in Pakistan.

They follow the same shape as a local acquiring agreement: you sell, the rail collects or pays, settlement can be held, chargebacks and refunds sit with you, and the provider's rules still apply.

They do not cover USDT checkout. USDT stays on the Merchant Agreement and the Terms of Service.

Separate activation

Local rails are a second model.

CryptoEze may approve you for USDT and still leave JazzCash, Easypaisa, QR or bank payouts as Pending, Provider review or Not configured.

A one-time capability fee, if charged, is not an activation and not an approval.

CryptoEze does not guarantee that JazzCash, Easypaisa, a QR network or a bank will accept you.

Merchant duties

You agree to:

- Give truthful business and identity information, including CNIC or incorporation papers we ask for.
- Sell legitimate goods and services only.
- Deliver what you described to the customer.
- Keep your own refund and support process.
- Follow tax, consumer and AML rules that apply to you in Pakistan.
- Keep your integration and customer data reasonably secure.

You will not use local rails for HYIP, ponzi, pyramid schemes, mixing, or any other Acceptable Use breach.

How collection works

A JazzCash or Easypaisa charge starts a provider session. QR shows a code the customer scans. Status on the hosted page is not success until the payment is completed.

TEST MODE never sends a live charge to a provider. Do not give a TEST local checkout to a real customer.

A timeout is not a failure. The payment stays processing. We do not credit you and we do not mark it failed because the provider did not answer in time.

Failed, expired, cancelled or dropped payments must not be retried on the same session. Create a new payment.

Settlement

Completed local collection credits the merchant PKR book with the net after the provider's share and ours, once those rates are confirmed. Until confirmation, the book may credit the full amount the customer typed. Confirming rates does not rewrite older rows.

The credit sits in settlement pending until two things are both true: the promised date (T+2 business days in Asia/Karachi, skipping weekends and confirmed bank holidays) has arrived, and the provider has settled that payment to us in a settlement batch. An operator can waive the date. They cannot waive the batch.

Settlement amounts may be adjusted for refunds, disputes, provider reversals, fees or penalties.

Payout to bank or wallet is a separate step. Instant Payout, once sent, cannot be reversed by CryptoEze. Manual take-out is 0 percent and is promised in three business days.

Refunds, disputes and chargebacks

You are responsible for customer refunds, disputes and chargebacks on local rails.

Where a provider or bank reverses a payment, CryptoEze may debit the merchant PKR book, hold future settlement, or record a shortfall as merchant debt if you have already withdrawn.

Excessive disputes may lead to suspension of local rails or of the merchant account.

USDT has no card chargeback. Do not tell a USDT customer that they can charge back a confirmed transfer.

Fraud and review

We and the providers may block, reverse or hold a payment that looks abusive.

You will cooperate with reviews and send documents we request. You will not coach customers to fake a success screen.

Provider rules and Pakistan law

JazzCash, Easypaisa, QR networks and banks have their own merchant terms, information-security rules and prohibited lists. Those documents bind the rail even when you clicked CryptoEze's box.

Where these rails are used, the collection and payout are also subject to the laws of the Islamic Republic of Pakistan and to instructions issued to banks and payment providers, including AML and customer due diligence rules.

CryptoEze is the platform you integrated. The provider remains the operator of its wallet, QR or bank rail. Merchant-facing pages do not name that provider.

End

If local rails are switched off, unfinished TEST payments die with them. Completed credits already on the PKR book follow the settlement and Instant Payout rules above.