Terms and conditions for Easy
2020
nets.eu/paymentsTerms and conditions for Nets Easy 2 / 22
Contents
Definitions...............................................................................................................................................................................................................................................................................3
1. INTRODUCTION AND SCOPE....................................................................................................................................................................................................................5
2. THE SERVICE......................................................................................................................................................................................................................................................5
3. GENERAL OBLIGATIONS OF THE MERCHANT................................................................................................................................................................................7
4. THE RELATIONSHIP BETWEEN THE MERCHANT AND THE END CUSTOMER..........................................................................................................9
5. PRICES AND PAYMENT TERMS ..............................................................................................................................................................................................................9
6. MONITORING, FRAUD, ETC.......................................................................................................................................................................................................................10
7. LIABILITY AND LIMITATION OF LIABILITY........................................................................................................................................................................................10
8. CONFIDENTIALITY..........................................................................................................................................................................................................................................11
9. DATA PROTECTION ........................................................................................................................................................................................................................................11
10. INTELLECTUAL PROPERTY RIGHTS....................................................................................................................................................................................................11
11. MISCELLANEOUS ..........................................................................................................................................................................................................................................12
12. AMENDMENTS TO THE AGREEMENT, INCLUDING PRICES.................................................................................................................................................12
13. TERM AND TERMINATION........................................................................................................................................................................................................................13
14. APPLICABLE LAW AND SETTLEMENT OF DISPUTES.............................................................................................................................................................14
15. SPECIAL TERMS FOR MERCHANTS IN DENMARK...................................................................................................................................................................14
16. SPECIAL TERMS FOR MERCHANTS IN FINLAND.......................................................................................................................................................................14
17. SPECIAL TERMS FOR MERCHANTS IN NORWAY.......................................................................................................................................................................14
18. SPECIAL TERMS FOR MERCHANTS IN SWEDEN......................................................................................................................................................................14
19. SPECIAL TERMS FOR OTHER COUNTRIES ....................................................................................................................................................................................15
20. SPECIAL TERMS FOR INTERNATIONAL CARDS..........................................................................................................................................................................15
21. SPECIAL TERMS FOR PAYMENTS WITH SWISH........................................................................................................................................................................16
22. SPECIAL TERMS FOR INVOICE PAYMENTS...................................................................................................................................................................................16
23. SPECIAL TERMS FOR DANKORT PAYMENTS...............................................................................................................................................................................17Terms and conditions for Nets Easy 3 / 22
Definitions
Agreement
The Agreement between Nets and the Merchant, including the 
Application, price list, the Terms and Conditions, as well as any 
applicable Instructions.
Application Form
The form completed by the Merchant and sent to Nets with an 
application to receive the Service.
Authorisation
The process of verifying that the Card is valid, that the Card 
is not blocked/suspended, that there are sufficient funds to 
complete the Transaction, and the amount for the Transaction is 
reserved. Not all parts may be carried out for all Schemes.
Card
A payment card issued by an authorised/licensed card issuer 
pursuant to agreement with a Scheme.
Cardholder
A natural person or legal entity in whose name a Card has been 
issued.
Card Data
The data used to identify and verify a Card, e.g. the card number, 
expiry date and the Card’s security code. 
Charge
Confirmation by the Merchant that delivery of a product has 
taken place or that a service has been performed in its entirety, 
and that a debiting of the End Customer can take place.
Checkout Interface
The interface (UI) presented to the End Customer where the End 
Customer can choose between the Payment Methods, complete 
the payment for the Merchant’s activities, goods or services and 
use possible other functionalities comprised by the Agreement.
E-commerce
The sale and purchase of products and services online, through 
a web shop, mobile application, or similar.
End Customer 
The legal entity or natural person who conducts a purchase of 
goods or services from the Merchant.
Dankort
A Dankort payment instrument issued in accordance with the 
Dankort Scheme rules.
General Terms 
The terms and conditions set out in sections 1–14 of these Terms 
and Conditions. In the event of conflict between the General 
Terms and the Special Terms with regard to a specific situation, 
the Special Terms take precedence.
International Cards
Cards issued in accordance with the Visa and Mastercard 
schemes.
Instructions
The rules, instructions and descriptions that have been notified 
by Nets regarding the Service.
Merchant 
The party who is a customer of Nets pursuant to the Agreement 
and as specified in the Application.
Merchant Outlet 
The Merchant’s URL or application from which the products/
services are sold, as stated in the Agreement.
Nets
The entity with which the Merchant has entered into the Agreement.
Nets Group
Nets and companies/entities controlled by, controlling Nets or 
under the same control as Nets. Such companies and entities 
are listed on Nets’ website.
PCI DSS
The Payment Card Industry Data Security Standard, in its prevailing version published at www.pcisecuritystandards.org.
Parties 
Nets and the Merchant jointly.
Party
Nets or the Merchant, separately.
Payment Methods
The payment methods which the Merchant and Nets in writing 
has agreed shall be comprised by the Agreement or which 
otherwise have been included in the Agreement in accordance 
with its terms.
Payment Processor
An acquirer or another party in a payment system to which Nets 
shall transfer the Transactions pursuant to this Agreement.
Pre-authorisation
The process of checking the Card’s status and reserving an 
estimated amount.
Schemes
The organisations that establish rules, practices, standards 
and/or implementation guidelines for the execution of payment 
transactions. For example Visa and Mastercard.
Service
The services provided pursuant to the Agreement and regulated 
by these Terms and Conditions, including services provided for 
the Payment Methods.
Special Terms 
The terms and conditions set out in sections 15 - 23 of these 
Terms and Conditions. In the event of conflict between the 
General Terms and the Special Terms with regard to a specific 
situation, the Special Terms take precedence
Terms and Conditions
These terms and conditions for Easy, including the General 
Terms and the Special Terms.
Trade Control Laws
All applicable export control and trade, economic or financial 
sanctions laws and regulations of the United States of America, 
the European Union and member states of the European Union.Terms and conditions for Nets Easy 4 / 22
Transaction
A payment transaction made with a Payment Method.
Transaction Amount
The amount the End Customer shall pay to the Merchant for 
goods or services.
Transaction Data
The data used to complete a Transaction. These include for 
example Card Data and other information received in connection 
with the payment, e.g. the transaction amount and transaction 
date.Terms and conditions for Nets Easy 5 / 22
1. INTRODUCTION AND SCOPE
1.1. These Terms and Conditions form an integral part of 
the Agreement entered into between the Merchant 
and Nets for the Service.
1.2. The Merchant may use the Agreement and Service 
exclusively for the payment of activities, products and 
services which have been notified and approved by 
Nets at the time of the entry into the Agreement or 
when approved by Nets via a written and signed document.
1.3. The Merchant shall have the right to use the Website 
from which the goods/services are sold. The Website 
must be registered in the Merchant’s name as stated in 
the Agreement.
1.4. The Merchant is not permitted to use the Agreement 
or Services for the following:
a) Accepting Transactions that arise from sales or 
activities offered by anyone other than the Merchant
b) Invite or accept any payment method for any 
fraudulent purpose, or in any other manner 
contrary to the permitted usage of the payment 
method, or in any manner that the End Customer 
has not approved
c) Make multiple Transactions with the same payment method at one and the same time for the 
same purchase
d) Activities that may damage the brand and/or 
reputation of Nets and/or the Schemes
e) Immoral or unethical purposes, or a purpose that 
in any way or manner contravenes applicable 
laws and regulations
f) The sale of pornographic material involving children, animals, rape or any other form of brutality
g) The sale of products or services that infringe 
intellectual property rights
h) In general, the provision of goods or services 
in violation of the Schemes’ rules and/or Nets’ 
Instructions.
1.5. The above enumeration is not exhaustive and the 
full and currently applicable list is available on Nets’ 
website.
2. THE SERVICE
2.1. Introduction
2.1.1. The Service consists of four primary elements in form 
of (i) a Checkout Interface, (ii) transfer of Transaction 
Data between the Merchant and the relevant Payment 
Processor, (iii) acquiring of Transactions and (iv) settlement of the Transaction Amounts with the Merchant. 
Not all elements may be relevant for all Payment 
Methods, cf. the Special Terms.
2.1.2. The Service only comprise the Payment Methods. 
Each Payment Method and the acceptance hereof is 
regulated in more detailed in the Special Terms. The 
End Customer can choose between the Payment 
Methods in the check-out window.
2.2. Checkout Interface
2.2.1. Nets shall make the Checkout Interface available for 
the End Customers subject to the Merchant’s compliance with this Agreement, including with respect to 
implementation of the Service.
2.2.2. The Checkout Interface is designed as shown and 
contain the functions described on Nets’ website. The 
Merchant is responsible for ensuring that Checkout 
Interface complies with legislation and rules applicable to the Merchant. If the Checkout Interface must 
be changed to ensure such compliance, the Merchant 
may contact Nets in order to agree on a change and 
the terms applicable to it.
2.2.3. The Checkout Interface shall include the Payment 
Methods.
2.3. Transfer of Transaction Data to Payment Processor
2.3.1. Nets shall transfer Transaction Data between the 
Merchant and the relevant Payment Processor in accordance with this Agreement and the relevant terms 
in place between Nets and the Payment Processor.
2.3.2. Further details and a description of the functionality, support or technology included in the Service are 
provided on Nets’ website.
2.3.3. Nets shall transfer and handle Transaction Data in accordance with PCI DSS.
2.4. Acquiring of Transactions
2.4.1. Nets shall acquire the Transactions for those of the 
Payment Methods which Nets and the Merchant have 
agreed that Nets shall acquire and as set out in the 
Special Terms. 
2.5. Settlement
2.5.1. Nets shall pay (settle) the Transaction Amount no later 
than the settlement times set out in the Agreement, 
provided that:
a) The Transaction has been approved by the Payment Processor and other relevant processors 
for example the issuer of the Payment Method in 
question,
b) The Transaction fulfils the requirements specified 
in the Agreement, and
c) The Merchant has otherwise fulfilled their obligations under the Agreement.
2.5.2. The settlement time may be different for each Payment Method.
2.5.3. The Transaction Amounts shall be paid to the bank 
account agreed with the Merchant.
2.5.4. Nets has the right to a set-off for all Nets’ receivables, 
whether they relate to fees for the Service, credits 
issued, repurchases or otherwise, in the settlement 
amount.
2.5.5. Settlement delays may occur in connection with public 
holidays.
2.5.6. Settlement shall take place in the currency agreed 
between Nets and the Merchant. If nothing has been Terms and conditions for Nets Easy 6 / 22
agreed, the Transaction amount shall be settled in the 
local currency of the Merchant.
2.5.7. If Nets is unable to set-off its receivables from the 
Merchant’s settlement, Nets has the right to invoice 
the Merchant for the amount due or use direct debit if 
such payment form has been agreed by the Merchant.
2.5.8. The Merchant hereby pledges all the funds it will be 
due pursuant to this Agreement as security for all of 
its present and future obligations to vis-à-vis Nets 
Group. This right shall apply with the best right after 
Nets’ right to set off.
2.5.9. The Merchant shall verify that the prices and fees 
charged are in accordance with the prices stated in 
the Agreement, and must submit a written complaint 
to Nets in the event of any error(s). The Merchant’s 
written complaint shall be submitted to Nets within 
one month from the agreed due date for payment. 
If the complaint is not received within this time, the 
Merchant loses the right to dispute Nets’ charges, unless the error(s) is caused by Nets’ gross negligence or 
wilful misconduct.
2.5.10. If the Merchant has received a payment to which it 
has no legal claim (regardless of whether such error is 
attributable to Nets), this amount must be returned to 
Nets immediately. If Nets discovers that the Merchant 
has been charged a too small amount for the services 
under the Agreement, or that Nets has failed to charge 
fees under the Agreement, Nets has the right to 
afterwards charge the Merchant for this. Nets also has 
such right after termination of the Agreement, subject 
to applicable law on limitation of claims.
2.5.11. Nets is entitled, irrespective of that the above conditions are fulfilled, to retain and delay a payment to the 
Merchant if:
a) Nets has reasons to believe that a Transaction 
may become subject to a complaint or claim, may 
be deemed to be fraudulent, or
b) there are otherwise circumstances requiring an 
investigation, or
c) The Merchant’s credit rating has deteriorated and 
the Merchant’s ability to pay is reduced in the 
reasonable opinion of Nets.
2.6. Integration and implementation of the Service
2.6.1. The Merchant is responsible for integrating its 
systems with Nets’ system in accordance with the 
applicable Instructions. This can take place either by 
means of the Merchant directly connecting to the Nets 
system or by integration with any of Nets’ partners. 
Nets provides a test account for the purpose of preparing for initial operation, among other things. The 
Service cannot be used for live transactions until Nets 
has accepted and approved the application and has 
notified the Merchant that the technical connection is 
ready, which can take place on two different occasions.
2.6.2. The Merchant instructs Nets to contract for technical 
support on behalf of the Merchant in order facilitate 
the placing the Service into operation, for example, by 
delivering integration keys and/or by answering questions. However, it is the responsibility of the Merchant 
to integrate their own systems vis-à-vis Nets’ systems, 
even if Nets’ partners are engaged, unless otherwise 
stated in specific terms. The Merchant must notify 
Nets in writing when they intend to commence their 
sales and begin using Nets’ Service for live transactions.
2.6.3. If, at the commencement of the Service or upon its 
termination, Card Data are to be imported from the 
Merchant’s present payment provider or, on the other 
hand, if such data is to be exported to a new payment 
provider, this shall be done according to terms and 
conditions established by Nets prevailing at the time.
2.7. Limits
2.7.1. Nets may set limits on the value of individual transactions that are authorised, or that limits Nets’ obligation 
to purchase Transactions that exceed certain amounts 
during a particular period of time, in order to prevent 
fraud. These amounts are discretionally determined by 
Nets and are not notified to the Merchant.
2.7.2. In the event that the Merchant’s annual sales exceed 
the Schemes’ current amount limits at any time, this 
Agreement shall be transferred, if Nets so requests, to 
the Payment Processor designated by Nets, in whole 
or in part, or alternatively a separate agreement will 
be entered into with such Payment Processor of card 
transactions which Nets directs, whereby the Agreement in this part is terminated.
2.8. Continuing development of the Service
2.8.1. Nets shall provide the Service with care and in 
accordance with good industry practice. Nets shall 
take reasonable measures to ensure that the Service 
is compatible with the recognised operating systems 
on the market. Nets does not provide a guarantee that 
the Service is compatible or can be integrated with the 
Merchant’s IT system.
2.8.2. Nets strives to continuously further develop and improve the Service so that it meets the needs demanded by the market. Therefore, Nets reserves the right to 
make changes and updates to the Service which Nets 
finds appropriate, without any obligation to inform the 
Merchant or obtain consent from the Merchant. This 
may also involve adding to or removing the methods 
of payment, and may occur without the consent of the 
Merchant as long as a change in prices is not made.
2.9. Backups
2.9.1. Nets performs backups of the data stored in the 
Service on a daily basis. Nets is responsible for ensuring that Customer Data, which constitutes all the 
data that the Merchant sends to and/or via the Nets 
System in connection with the usage of the Service, 
which is retained and stored at Nets, is retained for 
at a minimum of twelve (12) months from the date of 
receipt of the information received by Nets.Terms and conditions for Nets Easy 7 / 22
2.10. Accounting and reports for card payments
2.10.1. Nets shall provide the Merchant with the following 
information at least once a month for the payment 
card transactions implemented by the Merchant during the previous period:
a) A reference number to the card transaction.
b) The amount of the transaction and the currency 
in which the Merchant’s bank account is credited.
c) The amount of any fees for the individual card 
transaction, where the fees are divided into service fees and interchange fees, if applicable.
2.10.2. The information may be provided via Nets’ portal in a 
format that allows the Merchant to store and recreate 
the information in unchanged format, such as in PDF 
format.
2.10.3. The Merchant has consented that the information 
may be aggregated by trademark, application, card 
category, and the interchange fee that is applicable to 
the card transactions.
3. GENERAL OBLIGATIONS OF THE 
MERCHANT
3.1. Instructions
3.1.1. The Merchant must always follow the Instructions at 
all times. The Merchant is responsible for ensuring 
that sensitive information, such as login information, 
passwords, certificates and the like, are used and handled in a secure manner and are kept secret. If Nets 
issues Instructions concerning a change/revision, the 
Merchant must comply with such Instructions as soon 
as possible but no later than within thirty (30) days.
3.2. Safety tests/analyses/assessments
3.2.1. The Merchant is not entitled to perform any safety 
tests/analyses/assessments or other measurements 
vis-à-vis Nets’ system without first receiving Nets’ 
written approval.
3.3. Charge
3.3.1. The Merchant shall only charge the End Customer and 
make a Charge when the goods or services purchased 
have been handed over to an independent third party 
for delivery, delivered to the End Customer or if otherwise permitted by applicable law.
3.4. PCI DSS
3.4.1. All Merchants are subject to the requirements laid 
down in PCI DSS, and the Merchant is responsible for 
all costs related to compliance with requirements in 
PCI DSS.
3.4.2. The Merchant is obliged to inform Nets in the event 
that it handles/stores Card Data, for instance if payment solutions allowing for such handling or storage 
are used. 
3.4.3. The Merchant must present PCI DSS validation, for 
instance an attestation of compliance (AOC) or a report 
of compliance (ROC) completed by a certified data 
security firm (Qualified Security Assessor) and a pass 
result for a vulnerability scan performed by a certified 
data security firm (Approved Scanning Vendor) in line 
with Nets’ and the Schemes’ validation requirements. 
Refer to the Instructions in that respect.
3.4.4. Merchants that do not handle/store Card Data are 
nonetheless obliged to present PCI DSS certification if 
required to do so pursuant to Nets’ and the Scheme’s 
validation requirements; see nets.eu/payments.
3.4.5. If a Merchant is required to report its PCI DSS-compliance, the reporting must take place electronically via 
Nets’ provider of PCI DSS reporting services. 
3.4.6. The Card’s security code and other sensitive Card Data 
must not be stored under any circumstances once the 
Authorisation is complete.
3.4.7. The Instructions provide additional information about 
PCI DSS, as well as a description of what the Merchant 
must generally observe in the management of Card 
Data.
3.5. Data breach or compromise of systems
3.5.1. The Merchant shall immediately inform Nets in the 
event of, or if they have any suspicion of, unauthorised 
access to the Merchant’s systems containing Card 
Data in the event of compromise of Card Data or data 
breach (data intrusion). In case of intrusion, or with 
reasonable suspicions of intrusion into systems at 
the Merchant or Merchant’s Provider containing Card 
Data, the Merchant undertakes to use a PCI Forensic 
Investigator (PFI) at their own expense. In addition, 
Nets reserves the right to transfer any fees to the 
Merchant which corresponds to the fees charged Nets 
by the Schemes or Payment Processor for the corresponding events.
3.5.2. In the event of an intrusion, or in the event of a reasonable suspicion of intrusion, in systems containing Card 
Data at the Merchant or the Merchant supplier(s), 
Nets reserves the right to pass on to the Merchant 
any charges corresponding to the Schemes’ charges 
imposed on the Payment Processor, and which the 
Payment Processor passes on to Nets for corresponding incidents.
3.5.3. The Merchant is responsible for all losses and damages that may arise due to fraud related to Card usage, 
the cost of issuing new Cards, and expenses associated with the requisite investigation of data breaches 
or suspected data breaches. The reporting and drafting 
of reports may only be carried out by a PFI who has 
been approved by the Schemes. The Merchant is 
obligated to cooperate and assist Nets, the chosen 
PFI, and the relevant public authorities, in the event of 
suspected data breach.
3.5.4. Nets has the right to suspend the Merchant’s 
Agreement while an investigation is ongoing and until 
the investigation has been completed and Nets has 
determined that the Merchant is complying with the 
requirements of PCI DSS.Terms and conditions for Nets Easy 8 / 22
3.6. Requirements relating to the Merchant’s website
3.6.1. The Merchant’s website must contain the following 
information (minimum requirements):
a) The Merchant’s name, company/business registration number and address (including country)
b) E-mail address and telephone number of the 
Merchant’s customer service department or 
similar unit
c) Description of the goods/services that the 
Merchant sells (including prices, taxes and fees)
d) Terms and Conditions (including Cardholder’s 
right of withdrawal, delivery and payment terms) 
and shipping costs
e) A button for the approval of the order, or other 
form of confirmation on the website, showing 
that the Cardholder has approved the Merchant’s 
terms and conditions and return/refund policies
f) It must state that the Cardholder may pay by payment Card
g) The card trademarks encompassed within the 
Agreement as a means of payment must appear 
on the website
h) Transaction currency (for example, SEK)
i) Any export restrictions
j) Information about how personal information is 
processed
k) Information on how Card Data are processed and 
protected
3.6.2. The End Customer is entitled to receive a Receipt for 
each payment. Irrespective of the type of Receipt, the 
Receipt must contain the following information (at a 
minimum):
a) The name and address of the Merchant
b) Amount
c) Date of the purchase
d) The last four digits of the card number, when as 
Card is used as a payment method. The authorisation code when a Card is used as a payment 
method.
e) The delivery address
3.7. Cookies
3.7.1. Nets uses cookies in connection with the Checkout 
Interface. Information about which cookies are used 
can be found on Nets’ website.
3.7.2. The Merchant is required to comply with applicable 
rules and provisions pursuant to statutes and regulations that have been adopted, and notify their users 
regarding the cookies being used by Nets. In this 
connection, the Merchant may provide a link to Nets’ 
information page about cookies.
3.8. Prevention of money laundering or terrorist financing
3.8.1. Nets is as a provider of acquiring services subject to 
statutory law requiring Nets to take certain customer 
due diligence measures for preventing use of financial 
systems for the purpose of money laundering or terrorist financing. 
3.8.2. As part of the due diligence measures Nets is i.a. 
obliged to verify the identity of the Merchant as Nets’ 
customer and of the Merchant’s beneficial owners.
3.8.3. The Merchant shall provide Nets the information, 
documentation etc. necessary for Nets to comply with 
its due diligence obligations and shall in good faith 
cooperate with Nets in that respect.
3.9. Risk assessment
3.9.1. Nets reserves the right to perform a risk assessment 
of the Merchant at any time, including by obtaining 
credit information relating to the Merchant and its 
owners, board members, management and authorised signatories, and by requesting the disclosure of 
financial statements and other information required 
in order to perform an assessment of the Merchant’s 
creditworthiness and risk profile. This information may 
include documentation of necessary licences as well 
as information about revenue related to prepayments.
3.9.2. The Merchant is obliged to inform its owners, board 
members, management and authorised signatories 
that they may be included in a risk assessment of the 
Merchant.
3.9.3. If, on the basis of the risk assessment, Nets deems it 
necessary to do so, Nets may, with immediate effect:
a) demand a bank guarantee or other type of 
guarantee
b) withhold the Merchant’s settlement in whole or in 
part
c) extend the settlement period for all or parts of the 
Merchant’s revenue
d) establish a risk and/or chargeback fee that the 
Merchant will be required to pay
e) amend or terminate the Agreement in accordance 
with section 13 (Term and termination).
3.9.4. As part of ongoing risk assessment, Nets, the Schemes 
or a representative of either a Scheme or Nets may 
conduct an unannounced physical inspection of the 
Merchant’s premises, the Merchant Outlet, etc., to the 
extent they are relevant to this Agreement, which may 
include a security assessment and/or a general assessment covering the following areas:
a) The Merchant’s premises and the Merchant 
Outlet
b) Access to the Merchant’s servers and stored data 
c) Stock, if any 
d) Internal processes
e) Compliance with all security requirements imposed pursuant to this Agreement
3.9.5. The Merchant must bear all reasonable costs associated with such an inspection.
3.9.6. The Merchant shall also on a continuous basis and 
within two (2) working days after receiving a request 
from Nets, provide Nets with information related to the 
Transactions, such as documentation concerning the 
delivery, terms of contract, receipt, etc. for individual 
Transactions.Terms and conditions for Nets Easy 9 / 22
3.10. Changes in the Merchant’s circumstances
3.10.1. The Merchant must immediately inform Nets in writing 
of any change in the circumstances reported to Nets 
with the application for the Agreement or as stated in 
the Agreement Form itself; including with respect to 
changes in:
a) Control of the Merchant
b) The ownership of 25% or more of the Merchant or 
of the Merchant’s share capital. 
c) The Merchant’s management (including its Board 
of Directors, management and general manager), 
as well as authorised signatories.
d) The Merchant’s corporate form (e.g. a change 
from a sole proprietorship to a private limited 
company).
e) The Merchant’s line of business.
f) Address, telephone number, website address 
(URL)
g) E-mail address (including the e-mail address used 
to receive Nets’ requests for copies of Receipts)
h) Bank account number 
i) The documentation or information provided to 
Nets for customer due diligence measures, cf. 
Section 3.8 (Prevention of money laundering or 
terrorist financing) 
j) The use of external suppliers for Card Payments, 
and
k) Any other change in the Merchant’s 
circumstances of relevance to the Agreement.
3.10.2. In addition, the Merchant must inform Nets if the Merchant makes significant changes to its product range 
or its payment and delivery conditions, e.g. use of 
prepayment, or if it anticipates significantly increased 
sales. 
3.10.3. Furthermore, the Merchant shall inform Nets of 
events that may be expected to affect, or may in the 
future affect, all or part of the cooperation pursuant 
to this Agreement. It is of particular importance that 
all planned changes in the Merchant’s eCommerce 
platform and/or computer systems which may in any 
way be regarded as affecting the cooperation, are 
notified to Nets in sufficient time prior to the change 
commencing.
3.10.4. Changes in accordance with this section may result in 
a new risk assessment (cf. section 3.9 (Risk Assessment)) and/or a requirement that a new Agreement 
must be entered into with Nets.
3.10.5. Any change to the settlement account must be documented in writing in the form of a confirmation from 
the bank/submission of account statements, and must 
be signed by an authorised signatory or person holding a power of attorney in accordance with the rules 
governing powers to bind the Merchant.
4. THE RELATIONSHIP BETWEEN THE 
MERCHANT AND THE END CUSTOMER
4.1. The Merchant is liable to the End Customer for all 
defects/deviations in the goods and services sold 
concerning quality, condition and design/execution, as 
well as missing or inadequate delivery of goods/services to the End Customer or another party which the 
End Customer may have designated.
4.2. The Merchant undertakes to receive and process any 
claims from End Customers relating to the product/ 
service. Such claims are to be settled directly between 
the Merchant and the End Customer, and the Merchant shall should not involve Nets.
4.3. The Merchant is responsible for fulfilling and for a 
possible non-fulfilment of the agreement with the 
End Customer for delivery of products or services. 
The Merchant must not include a clause in its terms 
and conditions that prevent or limit the End Customer 
from raising claims against the Merchant based on 
the Merchant is acting as an intermediary or similar, or 
that refer the End Customer to a third party for claim 
handling.
5. PRICES AND PAYMENT TERMS
5.1. Prices
5.1.1. The Merchant shall pay the prices and fees for the 
Service as set out in the Agreement, including the price 
list.
5.1.2. The prices and fees are subject to change as stated in 
section 12 (Amendments to the Agreement, including 
prices).
5.2. Payment Terms
5.2.1. The Merchant is invoiced monthly for the fixed fees, 
to the extent that it is not stated in the price list that 
a certain fee is invoiced in advance, or Nets will 
settle the fees in the manner otherwise specified in 
the Agreement. The invoicing of fixed monthly fees 
is invoiced from the entry into the Agreement, and 
other charges on a regular basis as incurred. Nets 
invoices become due for payment fourteen (14) days 
from the invoice date. When an invoice is issued, an 
invoicing fee of SEK thirty-five (35 Swedish kronor) or 
local currency equivalent per invoice is charged. The 
invoices are sent out by e-mail to the e-mail address 
provided in the application.
5.2.2. The Merchant is not entitled to offset the compensation that the Merchant is required to pay to Nets 
against any claim against Nets, without first obtaining 
Nets’ prior written approval. A credit note issued by 
Nets shall be considered as such approval.
5.2.3. In the event of late payment, a fee for a written payment reminder and past interest due on the outstanding amount in accordance with the interest rate act in 
the country where the Merchant is based, from the 
due date until the final payment is made.Terms and conditions for Nets Easy 10 / 22
5.2.4. The settlement of any price deduction occurs on the 
next invoice by set-off of the credit note issued or as a 
deduction on the next invoice.
6. MONITORING, FRAUD, ETC.
6.1. Nets monitors Authorisations and Transactions received from the Merchant. Nets likewise monitors any 
Transaction reported as being a dispute, Chargeback 
or case of fraud.
6.2. The Merchant may be contacted and the matter will 
be investigated if such monitoring reveals significant 
deviations from normal activity at the Merchant or 
within the Merchant’s industry, or if Nets, for any other 
reason whatsoever, suspects that card fraud has occurred at the Merchant, or if the reported level of fraud 
is higher than what Nets considers to be normal. In 
such cases, Nets is entitled, with immediate effect, to 
modify the settlement conditions, to withhold settlement, and/or to suspend or terminate the Agreement. 
6.3. Nets also reserves the right to reverse transactions 
that the card issuer has confirmed as being instances 
of fraud.
6.4. Nets may require the Merchant to implement such 
measures as may be needed to reduce the number 
of fraudulent transactions, disputes, Chargebacks 
or credit transactions, etc., for instance by upgrading or replacing payment terminals, implementing 
a fraud monitoring system approved by Nets, or by 
implementing manual monitoring of transactions. The 
Merchant must act in accordance with Nets’ instructions to limit fraud within the time limit specified.
6.5. If the number of disputes, Chargebacks, fraudulent 
transactions or credit transactions leads to additional 
costs for Nets, e.g. in the form of charges payable to 
one or more Schemes, Nets reserves the right to pass 
such costs on to the Merchant.
7. LIABILITY AND LIMITATION OF LIABILITY
7.1. Generally
7.1.1. A Party’s liability for deviation is specifically governed 
by the Agreement; however, what is stated about force 
majeure should be applicable. The Parties are not under any circumstances responsible for indirect losses 
and damages, including but not limited to business 
interruption, loss of data or loss of profits or sales, 
lost or reduced savings, loss or damage of data, costs 
of equipment, loss of existing or potential customer 
agreements. Nets is not responsible for any losses, 
damages, errors, inconvenience, damage or delays 
attributable to the Merchant’s or third parties’ relationships, including interference on the internet.
7.1.2. Nets’ total liability for compensation for damages 
vis-à-vis the Merchant, within a calendar year, may 
amount to a maximum of the amount corresponding 
to the fees paid by the Merchant for the Monthly Fees 
during the past twelve (12) month period.
7.1.3. Any claims arising from Nets’ breach of contract must 
be made by the Merchant within three (3) months from 
the date the Merchant became aware of cause relating 
to the claim or should have been aware of this. After 
this, the right to make any claims under this Agreement ceases.
7.2. Fines, fees etc. from Schemes
7.2.1. The Merchant will indemnify Nets in respect of any 
costs, fines and fees imposed on or any other claims 
brought against Nets by the Schemes as a result of 
circumstances attributable to the Merchant, including 
such fines and fees imposed by the Schemes due to 
the fact that the Merchant e.g. has not complied with 
the requirements of PCI DSS and/or if the proportion 
of complaints exceeds the levels that Schemes apply 
at any given time.
7.3. Force Majeure
7.3.1. Neither Party shall be liable to the other Party if the 
Party is prevented from fulfilling their obligations 
pursuant to the Agreement due to circumstances that 
the Party had no control over and that the Party at the 
date of entering into the Agreement could not reasonably have foreseen (force majeure), including but not 
limited to lightning strikes, labour conflicts/industrial 
action irrespective of whether or not the Parties 
themselves are involved in the conflict, war, fire, riots, 
power outage, natural disaster, extensive water damage, extensive or targeted virus and/or hacker attacks, 
amended governmental regulations and/or failure or 
delay at a subcontractor. If a Party has not been able 
to fulfil its obligations pursuant to the Agreement for a 
consecutive period of three (3) months, the other Party 
is entitled to terminate the Agreement without prior 
notice.
7.4. Remedy for deviation
7.4.1. If the Service’s function differs from the agreed 
function, a deviation exists.
7.4.2. Nets undertakes to commence rectification of the 
deviation within a reasonable period of time after the 
Merchant’s request for rectification has been received, 
so that the Service fulfils the agreed function.
7.4.3. The Merchant shall, as far as possible, provide Nets 
with all relevant information regarding the alleged 
deviation and the circumstances surrounding it. In 
addition, in connection with Nets’ remediation of the 
deviation, the Merchant shall make itself available 
to Nets to a reasonable extent, without any claim for 
compensation, to respond to questions and provide 
assistance with the testing.
7.4.4. So as to not lose any rights they may have to a price 
reduction, the Merchant shall, make a written claim for 
a reduction in price to Nets within one (1) month from 
the time the Merchant was made aware of, or should 
have had knowledge of, the deviation.
7.4.5. Nets is not liable for, nor obligated to remedy, the deviation, and the Merchant is not entitled to a reduction 
in price, early termination of the Agreement, or other Terms and conditions for Nets Easy 11 / 22
penalty, if the deviation only causes an insignificant 
inconvenience to the Merchant, or is due to:
i. the Merchant’s use of the Service with any equipment, software or accessories other than that 
recommended or approved by Nets;
ii. the changes or interventions the Merchant has 
made in the Service, or other software, have been 
made without Nets’ prior written approval;
iii. attacks, including virus attacks, coming from the 
outside, or other circumstances beyond Nets’ 
control such as defects or deficiencies in equipment/accessories, Internet connections, software 
that is neither included in the Service nor is part 
of the Nets System;
iv. Force majeure (refer to section 7.3).
7.4.6. This section 7.4 (remedy for deviation), exhaustively 
governs Nets’ liability for deviation in the Service, and 
the Merchant has no rights to another or additional 
remedy or compensation in such connection. If, however, Nets is obligated to pay the maximum compensation according to section 7.1.2 during a calendar year, 
this is considered a material breach of the Agreement 
and entitles the Merchant to terminate the Agreement 
within thirty (30) calendar days by providing written 
notice to Nets, with the Agreement concluding thirty 
(30) days after such notice has been received by Nets.
8. CONFIDENTIALITY
8.1. Each respective Party undertakes not to disclose information about the Agreement and/or such information about the business activities of the other Party, 
or the status of the business activities, including the 
Party’s business or professional secrets, or information that is otherwise considered confidential, to third 
parties, without the Party’s written consent, during the 
term of the agreement and for an additional period 
of three (3) years thereafter. Information that a Party 
has stated to be confidential, secret or similar, but 
not exclusively this, shall always be deemed to be a 
business or professional secret. If the Merchant has 
been designated by a technical partner to Nets, such 
Merchant shall not be considered to be a third party, 
but rather Nets shall be free to share such information.
8.2. The obligation of confidentiality does not, however, 
apply to such information that a Party may be aware 
of, or that was generally known or disclosed, with the 
consent of the other Party.
8.3. The duty of confidentiality also applies in the event 
that a Party is obligated in accordance with applicable 
legislation, governmental decision, financial exchange 
contract or similar situation, to disclose such information. However, a Party shall, prior to such disclosure, 
inform the other Party of this, if feasible.
8.4. Each Party shall ensure that employees and other 
retained or contracted staff, consultants, subcontractors and others are subjected to a similar obligation to 
maintain confidentiality, to the extent that they need 
access to comprehensive information, via requisite 
confidentiality agreements.
8.5. However, notwithstanding the above, Nets shall be 
free to share information with other companies within 
the Nets Group, not only for the implementation of the 
services, but also for sales and marketing purposes. 
In addition, Nets shall be entitled to share information 
with the Payment Processor for the performance of 
the Service or its monitoring.
9. DATA PROTECTION
9.1. General
9.1.1. Personal data of individuals related to the Merchant 
(contact persons, etc.) will be processed by Nets as 
data controller i) in order to provide the services and 
fulfil the obligations under the agreement, ii) for making customer analyses and business follow-up, iii) for 
making business and methods development as well 
as carrying out risk assessment and management and 
iv) for marketing purposes of companies in the group 
Nets is a part of towards the Merchant. The personal 
data include details of contact persons processed for 
the purposes of onboarding, support, etc., personal 
data processed as part of AML measures or due to 
other legal requirements. The Merchant accepts an 
obligation to inform its employees and other representatives about the disclosure, etc. of personal data to 
Nets as part of the agreement for the above purposes.
9.1.2. Personal data of individuals who are customers of 
Merchant will also be processed by Nets as data 
controller. The personal data include transaction data, 
including card and other payment data.
9.1.3. Personal data may also be processed by other companies in the group Nets is a part of and other companies 
with which the group co-operates in its operations for 
the purpose of this Agreement, both within and outside 
the EU/EEA.
9.1.4. Further information about the processing of personal 
data by Nets and a list of the companies that are in the 
same group as Nets can be found on Nets’ website.
9.2. Specific data protection
9.2.1. For information on and regulation of specific Payment Methods, including with respect to processing of 
Personal Data (if any), reference is made to the Special 
Terms for each of the respective Payment Method.
10. INTELLECTUAL PROPERTY RIGHTS
10.1. Nets owns and reserves all rights, including the right 
of ownership and copyright to all products and services included in the Service, including but not limited 
to the materials, software, source code, instructions, 
documentation and tools, as well as all other related 
information and know-how. The Agreement does 
not imply any transfer of ownership or intellectual 
property rights to the Service or other services and 
products encompassed within the Agreement from Terms and conditions for Nets Easy 12 / 22
Nets, beyond the specified time-limited right of usage 
as provided below.
10.2. During the term of the agreement, the Merchant is 
required to show and make Nets’ logo accessible on 
the Merchant’s websites. However, the Merchant may 
never give the impression of anything other than the 
fact that there is a customer relationship between 
Nets and the Merchant. The Merchant must always 
follow Nets’ Instructions for displaying the Nets logo.
10.3. The Merchant has no right to transfer, assign, grant 
sublicenses to, or license the software, codes, etc. 
provided to the Merchant by Nets to any other parties. 
Nor does the Merchant have the right to copy, translate, modify or decompile the software or to perform 
any ”reverse engineering, ” other than as stated in 
mandatory law.
10.4. Immediately following the termination of the Agreement, the Merchant is responsible for returning or 
destroying of all copies of the software, codes, etc., 
documentation and any similar materials or items.
10.5. Nets is entitled, during the term of the agreement, to 
use the Merchant’s trademark/brand name and logo 
for marketing purposes and otherwise in accordance 
with the Merchant’s reasonable instructions.
11. MISCELLANEOUS
11.1. Entire Agreement
11.1.1. The Agreement constitutes the Parties’ full and 
complete agreement concerning of all matters that the 
Agreement relates to. No written or oral commitments, 
nor similar statements, expressed or made prior to the 
Agreement, and not encompassed within the Agreement may be invoked as a content of the Agreement.
11.2. Subcontractors
11.2.1. Nets is entitled to engage subcontractors, including 
personal data processors to perform certain or all 
of the obligations pursuant to the Agreement. Nets 
is responsible itself vis-à-vis the Merchant for any 
subcontractors engaged by Nets. 
11.3. Warranties
11.3.1. Unless explicitly stated in the Special Terms, Nets 
gives no warranties in relation to the Service.
11.4. Trade control
11.4.1. The Merchant acknowledges that the Services may be 
subject to Trade Control Laws.
11.4.2. The Merchant shall comply with Trade Control Laws 
and shall never ship, purchase, procure, import, export, 
receive, deliver or use the Services in violation of the 
Trade Control Laws.
11.5. Assignment
11.5.1. Nets has the right to assign its rights and obligations 
pursuant to the Agreement to third parties - in whole 
or in part. The Merchant is not entitled to assign their 
rights and obligations under the Agreement.
12. AMENDMENTS TO THE AGREEMENT, 
INCLUDING PRICES
12.1. General
12.1.1. Nets may amend the Agreement, including prices and 
Payment Methods, with 30 days’ written notice. Such 
notice may be issued by e-mail or via Nets administration user interface. Shorter notice may be given, if such 
modification is in response to requirements on the part 
of public authorities or the Schemes, for important 
security reasons, or in accordance with sections 3.9 
(Risk Assessment) and 13 (Term and Termination).
12.1.2. The Merchant is obliged to provide Nets with an 
e-mail address to which such notice can be sent. The 
Merchant itself is obliged to inform Nets of any changes to the Merchant’s e-mail address, and the Merchant 
assumes liability for the Merchant’s non-receipt of 
a notice of contractual change in the event that the 
Merchant has failed to inform Nets of a change in its 
e-mail address.
12.1.3. In the event that changes to the disadvantage for the 
Merchant are made to the Agreement, these are considered to have been approved unless the Merchant, 
acting prior to the date of the change’s entry into force, 
in writing informs Nets that the Merchant does not 
wish to be subject to the new terms of contract.
12.1.4. If the Merchant informs Nets that it does not wish to 
be subject to the new terms of contract, the Agreement is considered to have terminated on the date 
on which the new conditions enter into force. Prepaid 
monthly/annual subscriptions will not be refunded.
12.1.5. Nets is entitled to modify or supplement the content of 
the Service, and/or the Agreement if it is required to be 
compliant with statute, government regulation or the 
Schemes’ Regulations. Such changes do not entitle the 
Merchant to terminate the Agreement in advance of its 
ordinary termination, and there is no requirement that 
Nets inform the Merchant prior to the change becoming effective; however, where practicable and possible, 
the Merchant shall be informed.
12.2. Annual adjustment
12.2.1. Nets is entitled to increase, once each calendar year, 
without prior notice, the prevailing compensation and 
fees by up to 5% (five percent) per annum. 
12.3. Adjustment based on events outside Nets’ control
12.3.1. Nets is also entitled at any time to increase the prevailing compensation and fees based on external factors beyond Nets’ control - including but not limited to 
new or amended legislation, governmental regulations 
or demands from the Payment Processor, or change in 
the ratio of corporate, domestic, or foreign cards used 
by Merchant, which differs from what Nets had reason 
to assume based on the information provided by Merchant regarding its business - whereby the change 
shall be proportional to the impact of the external factors on Nets’ costs. Amendment of prices enters into 
force 30 days after notification.Terms and conditions for Nets Easy 13 / 22
13. TERM AND TERMINATION
13.1. Term
13.2. The Agreement enters into force when Nets has approved the Merchant’s application and notified the 
Merchant in this respect.
13.3. The Agreement continues to be in force until termination for cause or convenience in accordance with the 
terms of the Agreement.
13.4. Termination for convenience
13.5. The Agreement term is for an initial contract period 
of twelve (12) months from the date Nets sent a 
notification to the Merchant with the approval of the 
Merchant’s application to enter into this Agreement, 
and will thereafter be extended for contract periods 
of twelve (12) months, unless a notice of termination 
of the Agreement is sent three (3) months prior to the 
end of the then-current contract period.
13.6. The Merchant’s notice of termination must be made 
through a web interface designated by Nets or as 
otherwise set out on Nets’ webpage. 
13.7. Nets is entitled to send a notice of termination to the 
e-mail address specified by the Merchant or to the 
Merchant’s registered address of business.
13.8. Termination for cause
13.9. Either Party is entitled to give notice of termination of 
this Agreement for early termination with immediate 
effect if:
a) the other Party commits a material breach of contract and fails to remedy the material deficiency 
within thirty (30) days; or
b) The other Party is declared insolvent, becomes 
subject to debt relief proceedings, enters into 
composition proceedings or similar debt relief 
arrangements, is declared bankrupt or enters into 
restructuring proceedings, unless the estate or 
the Party undergoing restructuring is entitled to 
enter into the Agreement under the applicable 
legislation, and chooses to do so. At request, the 
estate is obliged to decide whether it wishes to 
enter into the Agreement within 24 hours.
13.10. Nets also has the right to cease provision of the Service and/or terminate the Agreement with immediate 
effect, if:
a) There is a change in control of the Merchant or a 
change in the ownership of more than 25% of the 
Merchant’s share capital,
b) The Merchant is past due or otherwise in delay 
with its payments,
c) The Merchant does not observe or comply with 
applicable laws, regulations, governmental decisions, or Instructions
d) The Merchant, in Nets’ well-founded opinion, has 
damaged, via its conduct/business activities, Nets/
the Payment Processor’s reputation.
e) The risk assessment of the Merchant is not satisfactory to Nets
f) One or more Schemes or Payment Processors 
requires Nets to amend, suspend or terminate the 
Agreement
g) A Transaction(s) which, in Nets’ reasonable 
assessment, is/are not allowed under existing 
card rules; the number of complaints due to fraud, 
unauthorised purchases or complaints from the 
Cardholder relating to Transactions has reached 
an unacceptable high level, or the proportion of 
credits is excessively large, according to Nets’ 
assessment
h) The Merchant sells services or products in violation of the Scheme’s rules,
i) The Merchant or their representatives may be 
regarded as being likely to engage in criminal 
activity, and/or appear on sanctions lists issued 
by the public authorities, such as US or European 
sanctions lists relating to the financing of terrorism (e.g. the OFAC’s SND or the EU’s list of financial sanction against persons, groups or entities 
involved in terrorism); or 
j) The Merchant does not provide the necessary 
documentation, information etc. required by Nets 
pursuant to Section 3.8 (Prevention of money 
laundering or terrorist financing).
k) The Merchant otherwise commits a breach of 
contract, for example by having declared incorrect information or providing incomplete information about their affiliation to a particular sector, or 
if the Merchant, when entering info the Agreement, has failed to disclose any changes, or has 
repeatedly violated the Agreement, even if each 
individual breach of contract cannot be considered to be a material breach of contract.
13.10.1. If Nets has ceased provision of the Service pursuant to 
section 13.10, Nets is entitled to upon resumption of the 
Service to charge the Merchant an administrative fee 
of SEK 1,000 (one thousand Swedish kronor) or local 
currency equivalent.
13.11. Consequences of expiry of the Agreement
13.12. Upon the ending of the Agreement, the Merchant does 
not have the possibility of implementing refunds via 
the Nets system or does not have access to information about past transactions. Nets may, however, 
provide access, upon the request of the Merchant, to 
the administration user interface for six (6) months at a 
time, subject to the Merchant being charged a monthly 
fee. In the event Nets is to assist the Merchant in 
general, this may occur after a special agreement 
has been reached, whereby Nets’ prevailing price for 
consultancy assistance will be applied.
13.13. Upon termination of this Agreement, irrespective of the 
reason, at the same time the Merchant’s sales with the 
payment methods that this Agreement encompasses 
must crease. If this Agreement has ceased to be in 
force, irrespective of the reason, the Parties will nevertheless be responsible in accord with this Agreement 
for Transactions that have previously taken place with 
the support of the Agreement.Terms and conditions for Nets Easy 14 / 22
14. APPLICABLE LAW AND SETTLEMENT OF 
DISPUTES
14.1. See the sections specifically relating to Merchant 
Outlets in Denmark, Finland, Norway and Sweden and 
in other countries.
15. SPECIAL TERMS FOR MERCHANTS IN 
DENMARK
15.1. Introduction
15.1.1. The terms of this section 15 apply to Merchant Outlet 
in Denmark. The General Terms and Conditions also 
apply. In case of conflict between the General Terms 
and Conditions and the terms laid down in this section, 
the terms of this section will take precedence.
15.2. Nets in Denmark
15.2.1. Nets operates in Denmark by Nets Denmark A/S, business registration no. 20 01 61 75, Klausdalsbrovej 601, 
DK-2750 Ballerup, Denmark. Nets can be contacted 
via the website nets.eu/payments. Communication 
with Nets can be in either English or Danish.
15.2.2. Nets is under the supervision of the Danish Financial 
Supervisory Authority and is registered in its register 
under FT no. 22002. Complaints concerning Nets as 
a payment institution may be submitted to the Danish 
Financial Supervisory Authority using the contact 
details on the authority’s website www.finanstilsynet.
dk. For other possible out-of-court and redress procedures, please refer to the website nets.eu/payments.
15.2.3. In case of conflict between the various language 
versions of these terms, the Danish version takes precedence.
15.3. Choice of law and disputes
15.3.1. The agreement is subject to Danish law. Any disputes 
that arise between the parties and which cannot be 
resolved through negotiation may be brought before 
the Danish courts, in which case Glostrup City Court 
will be the venue.
16. SPECIAL TERMS FOR MERCHANTS IN 
FINLAND
16.1. Introduction
16.1.1. The terms of this section 16 apply to Merchant Outlet 
in Finland. The General Terms and Conditions also apply. In case of conflict between the General Terms and 
Conditions and the terms laid down in this section, the 
terms of this section will take precedence.
16.2. Nets in Finland
16.2.1. Nets operates in Finland by Nets Denmark A/S, 
Finnish Branch, business registration no. 2858201-4, 
Teollisuuskatu 21, FI - 00510 Helsinki, Finland. Nets 
can be contacted via the website nets.eu/payments. 
Communication with Nets can be in either Finnish, 
Swedish or English.
16.2.2. Nets is under the supervision of the Danish Financial 
Supervisory Authority and is registered in its register 
under FT no. 22002. Complaints concerning Nets as 
a payment institution may be submitted to the Danish 
Financial Supervisory Authority using the contact 
details on the authority’s website www.finanstilsynet.
dk. For other possible out-of-court and redress procedures, please refer to the website nets.eu/payments.
16.2.3. In case of conflict between the various language 
versions of these terms, the Finnish version takes 
precedence.
16.3. Choice of law and disputes
16.3.1. The agreement is subject to Finnish law excluding 
its choice of law provisions. Any disputes that arise 
between the parties and which cannot be resolved 
through negotiation may be brought before the Finnish courts, in which case Helsinki District Court will be 
the court of first instance.
17. SPECIAL TERMS FOR MERCHANTS IN 
NORWAY
17.1. Introduction
17.1.1. The terms of this section 17 apply to Merchant Outlets 
in Norway. The General Terms and Conditions also apply. In case of conflict between the General Terms and 
Conditions and the terms laid down in this section, the 
terms of this section will take precedence.
17.2. Nets in Norway
17.2.1. Nets operates in Norway by Nets Branch Norway, 
business registration no. 996 345 734, Hoffsveien 1 E, 
NO-0275 Oslo. Nets can be contacted via the website 
nets.eu/payments. Communication with Nets can be in 
either English or Norwegian.
17.2.2. Nets is under the supervision of the Danish Financial 
Supervisory Authority and is registered in its register 
under FT no. 22002. Complaints concerning Nets as 
a payment institution may be submitted to the Danish 
Financial Supervisory Authority using the contact 
details on the authority’s website www.finanstilsynet.
dk. For other possible out-of-court and redress procedures, please refer to the website nets.eu/payments.
17.2.3. In case of conflict between the various language versions of these terms and conditions, the Norwegian 
version takes precedence.
17.3. Choice of law and disputes 
17.3.1. The Agreement is subject to Norwegian law. Any 
disputes that arise between the parties and which cannot be resolved through negotiation may be brought 
before a Norwegian court, in which case Oslo City 
Court will be the venue.
18. SPECIAL TERMS FOR MERCHANTS IN 
SWEDEN
18.1. Introduction
18.1.1. The terms of this section 18 apply to Merchant Outlets 
in Sweden. The General Terms and Conditions also 
apply. In case of conflict between the General Terms 
and Conditions and the terms laid down in this section, 
the terms of this section will take precedence.Terms and conditions for Nets Easy 15 / 22
18.2. Nets in Sweden
18.2.1. Nets operates in Sweden by Nets Branch Sweden, 
business registration no. 516407-4709, Hammarby allé 
12, SE-120 30 Stockholm. Nets can be contacted via 
the website nets.eu/payments. Communication with 
Nets can be in either English or Swedish.
18.2.2. Nets is under the supervision of the Danish Financial 
Supervisory Authority and is registered in its register 
under FT no. 22002. Complaints concerning Nets as 
a payment institution may be submitted to the Danish 
Financial Supervisory Authority using the contact 
details on the authority’s website www.finanstilsynet.
dk. For other possible out-of-court and redress procedures, please refer to the website nets.eu/payments
18.2.3. In case of conflict between the various language 
versions of these terms, the Swedish version takes 
precedence.
18.3. Presentation of payment methods in eCommerce
18.3.1. The Merchant shall in eCommerce present available payment methods to consumers in compliance 
with the requirements set out in Chapter 7 a, 1 § of 
the Swedish Payment Services Act (7 a kap., 1 § Lag 
(2010:751) om betaltjänster). The Merchant is responsible and liable for such compliance, which includes 
but is not limited to liability for any costs or sanctions 
imposed on Nets as a result of the Merchant’s noncompliance.
18.4. Choice of law and disputes
18.4.1. The Agreement is subject to Swedish law. Any dispute 
arising in connection with the Agreement and which 
cannot be resolved through negotiation shall be 
resolved by Swedish courts in which case Stockholm 
City Court shall be the venue.
19. SPECIAL TERMS FOR OTHER COUNTRIES
19.1. Introduction
19.1.1. The terms of this section 19 apply to Merchants in 
other countries than Denmark, Finland, Norway and 
Sweden. The General Terms and Conditions also apply. 
In case of conflict between the General Terms and 
Conditions and the terms in this section, the terms of 
this section shall prevail.
19.2. Choice of law and jurisdiction
19.2.1. The Agreement is subject to Danish law. Any disputes 
that arise between the parties and which cannot be 
resolved through negotiation may be brought before 
the Danish courts, in which case Glostrup City Court 
will be the venue.
20. SPECIAL TERMS FOR INTERNATIONAL 
CARDS
20.1. Introduction
20.1.1. The terms of this section 20 apply to Nets delivery 
of Internal Cards payment to the Merchant only. The 
General Terms also apply. In case of conflict between 
the General Terms and the terms laid down in this section, the terms of this section will take precedence.
20.1.2. Nets shall only deliver International Cards payments 
to the Merchant, if it is comprised by the Agreement as 
a Payment Method.
20.2. Nets’ role
20.2.1. Nets will in respect of delivery of International Card 
Payments to the Merchant, be the acquirer of the 
International Cards.
20.3. General requirements cards
20.3.1. For methods of payment, the Cards are subject to 
handling in accordance with the regulations of the 
Schemes. Furthermore, the Merchant undertakes to 
observe and follow the prevailing Instructions issued 
by Nets for Cards. 
20.4. Acceptance of payment card transactions
20.4.1. The Merchant must accept card transactions with all 
valid Cards of the card types that the Merchant has 
chosen to accept as a means of payment for the sale 
of goods and services from the Merchant by entering 
into this Agreement.
20.5. Authorisation
20.5.1. An Authorisation obtained up to seven calendar 
days prior to Charge is implemented for Maestro, 
Mastercard and Visa.
20.5.2. An authorisation for Maestro or Mastercard cannot be 
reversed, and the amount cannot be changed.
20.6. Pre-authorisations on Maestro or Mastercard.
20.6.1. If a Merchant is not sure they will be able to implement a Charge within seven (7) calendar days after 
the Authorisation was obtained, or if the amount 
of the transaction is not known at the time of the 
Authorisation, the Merchant shall instead perform a 
Pre-Authorisation. A Pre-Authorisation of a Mastercard 
is valid for 21 days, and for Maestro for seven (7) days. 
Pre-Authorisation is not permitted with Visa cards.
20.6.2. If the Merchant performs a Pre-Authorisation, the 
Merchant is obligated to inform the Cardholder of the 
amount for which a Pre-Authorisation is sought.
20.6.3. If a Charge is not performed, the Authorisation with 
the use of a Visa Card, and the Pre-authorisation 
with the use of a Maestro or a Mastercard card, must 
be reversed within twenty-four (24) hours after the 
Transaction is terminated. If the final amount of the 
transaction is less than the amount initially Authorised 
or Pre-authorised, the excess amount is to be reversed 
immediately.
20.6.4. Authorised and Pre-authorised amounts that are not 
reversed are to correspond to the final amount of the 
transaction.
20.7. Fees when accepting a Card for payment
20.7.1. If a Merchant desires to impose a charge (surcharge) 
in connection with the use of a payment card for 
transactions, this must be done in accordance with 
applicable law, and the Merchant must inform the Terms and conditions for Nets Easy 16 / 22
Cardholder of the surcharge being imposed prior to 
the card transaction being implemented.
20.8. Issuing credits (refunds)
20.8.1. Issuing credits (refund of Transactions) may only be 
made if the End Customer returns the goods pursuant to a right set out in statutory law, or if the End 
Customer is entitled to a full or partial reduction in 
price, and in addition must relate to a previously implemented Transaction. The amount of the credit (refund) 
may not exceed the amount of the Transaction. The 
issue of credit must be made using the method of 
payment used by End Customer in making the original 
Transaction. Fees that the Merchant has been charged 
are not refunded upon issuing credits/refunds, and an 
additional refund fee may be charged.
20.8.2. Upon issuing a credit, the Merchant is required to 
pay back to Nets the nominal value of the transaction including VAT, together with any accrued interest, 
accrued debt collection costs, and reasonable handling costs that Nets has to repay or will repay to the 
Payment Processor.
20.9. Complaints (chargebacks) of Transactions
20.9.1. Even if the Merchant does not issue a credit upon 
Nets’ request, the Merchant is obligated to refund to 
Nets the nominal value of the transaction including 
VAT, together with interest, accrued debt collection 
costs, and reasonable handling costs if:
a) Any of the Merchant’s warranties as set out in 
section 22.2.1 below are not fulfilled, and/or
b) A card-issuing bank or Cardholder has made 
a complaint, in accordance with the Schemes’ 
prevailing regulations, concerning a transaction 
that Nets has not been able to reject as unjustified 
(chargeback).
20.10. Right to settlement
20.11. The Merchant’s right to settlement of payments with 
Cards where the Merchant has used 3-D Secure may 
lapse if the Cardholder denies having participated in 
the payment and the fraud reported to Visa and/or 
Mastercard exceeds 0.5% of the Merchant’s revenue 
from Visa and Mastercard respectively. Fraud, chargebacks and disputes may be calculated on the basis of 
domestic, European or international card use and/or 
number of transactions. Nets will advise the Merchant 
if its right to transaction settlement has lapsed.
20.12. Personal data
20.12.1. Neither Party is processing Personal Data on behalf 
on the other Party in connection with Nets’ delivery of 
International Card payments to the Merchant.
20.12.2. Information on Nets’ general handling of Personal 
Data is stated in section 9 (Data Protection) of the 
General Terms.
21. SPECIAL TERMS FOR PAYMENTS WITH 
SWISH
21.1. Introduction
21.1.1. The terms of this section 21 apply to Nets’ delivery 
of Swish payment to the Merchant only. The General 
Terms also apply. In case of conflict between the 
General Terms and the terms laid down in this section, 
the terms of this section will take precedence.
21.1.2. Nets shall only deliver Swish payments to the 
Merchant, if it is comprised by the Agreement as a 
Payment Method.
21.2. General requirements Swish
21.2.1. For methods of payment, Swish is subject to handling 
in accordance with the agreement and regulations of 
the designated bank for such provision. Furthermore, 
the Merchant undertakes to observe and follow the 
prevailing Instructions issued by Nets for payment 
method Swish. 
21.3. Personal data
21.3.1. Neither Party is processing Personal Data on behalf 
on the other Party in connection with Nets’ delivery of 
Swish payment to the Merchant.
21.3.2. Information on Nets’ general handling of Personal 
Data is stated in section 9 (Data Protection) of the General Terms.
22. SPECIAL TERMS FOR INVOICE PAYMENTS
22.1. Introduction
22.1.1. The terms of this section 22 apply to Nets’ delivery of 
invoice payment to the Merchant only. The General 
Terms also apply. In case of conflict between the 
General Terms and the terms laid down in this section, 
the terms of this section will take precedence.
22.1.2. Nets shall only deliver invoice payments to the 
Merchant, if it is comprised by the Agreement as a 
Payment Method.
22.2. General
22.2.1. For the invoice method of payment, the Merchant 
guarantees, with respect to the Transactions transferred to Nets:
a) that the Transaction does not relate to an ”open 
purchase” (right to return), commission sales, 
instalment sales, or cash on-delivery sales, or 
purchases where the End Customer otherwise 
has the right to return purchased goods except as 
set out by the provisions of the Swedish Distance 
and Off Premises Contract Act,
b) that the Transaction has not been pledged or 
transferred to another party, nor is there otherwise a barrier to the transfer of the claim that the 
Transaction represents,
c) that the End Customer has no right of set-off from 
other receivables concerning the Merchant or the 
right to a discount/rebate or other deduction from 
the final amount of the Transaction, for instance Terms and conditions for Nets Easy 17 / 22
as a consequence of a legitimate claim from a 
complaint,
d) that, for the Transaction with the End Customer, 
the Merchant has agreed on payment terms of 
fourteen (14) days net, penalty interest not lower 
than statutory interest in End Customers domicile, 
invoicing fees, and written payment reminder fee 
have been agreed to prior to the obligation relating to the debt having arisen,
e) that the End Customer has ordered a product 
or service, and that it has been delivered to and 
received by the End Customer,
f) that there is no dispute between the Merchant 
and the End Customer nor that such a dispute can 
be expected to arise,
g) that the Transaction refers to products or services 
that are naturally present or occurring in the 
Merchant’s business, and does not relate to compensation for damages, interest or the like, and 
are encompassed within this Agreement,
h) that no special debt instrument has been issued 
for the Transaction, such as a promissory note or 
similar instrument,
i) that the Merchant has informed the End Customer in the manner as specified in the Swedish 
Distance and Off Premises Contract Act, and that 
the End Customer’s period for the right of withdrawal is thus fourteen (14) days,
i) that the Transaction does not relate to sales to a 
subsidiary or parent company, nor other company 
with which the Merchant has a significant joint 
financial interest in, nor to a company whose 
business is leased by such company, or by an 
employee of such a company or of the Merchant,
k) that the Transaction does not concern sales to 
close relatives such as husband, wife, cohabitants, 
children, grandchildren or other individuals in an 
in-law relationship,
I) that the sale and marketing of products or 
services which the Transaction concerns has 
not occurred in violation of applicable marketing 
legislation, industry standards, ethical codes or 
similar provisions,
m) that the Merchant has complied with Nets’ prevailing delivery instructions - ”Delivery and Fraud 
Instruction,”
n) that the debt concerns an End Customer with a 
domicile/registered office within the geographic 
area which has approved (at the time of the entry 
into this Agreement, this encompasses Norway 
and Sweden) and is issued in a currency approved 
by Nets (at the time of the entry into this Agreement, this includes NOK and SEK), and
o) that the Merchant, if is responsible for distributing invoices in the same shipment as the delivery, 
clearly stated on the invoice the ”notification ” as 
specified in section 22.3.
22.3. To the extent that the Distributor distributes invoices, 
the following text must be clearly stated:
i. To Swedish End Customers:
«Fordran enligt denna faktura har överlåtits till 
Arvato Finance AB, org nr 556495-1704.
Betalning kan därför med befriande verkan 
endast ske till Arvato Finance AB»INSERT 
SWEDISH.”
ii. To Danish End Customers
«Fordringen er overdraget til Arvato Finance 
A/S til ejendom. Betaling, indsigelser samt alle 
øvrige henvendelser kan kun ske med frigørende 
virkning til Arvato Finance A/S, Østbanegade 55, 
2. tv, DK-2100 København Ø, tlf.nr. 70 27 27 95, 
e-mail finans.dk@arvato.com, til hvem fordringen 
er overdraget. Ved betaling bedes leverandørnavn 
og fakturanr. angivet. Betaling skal ske til bankkonto 4073 4073033993 i Danske Bank».
iii. To Norwegian End Customers
«Denne faktura, ekskl. evt. kreditnotaer, er overdratt Arvato Finance AS, org. nr. 994 210 130 til 
eiendom. Betaling med befriende virkning kan kun 
skje til Arvato Finance AS, Postboks 154 Furuset, 
1001 Oslo, konto 1503 08 25141».
22.4. Personal data
22.4.1. Neither Party is processing Personal Data on behalf 
on the other Party in connection with Nets’ delivery of 
invoice payment to the Merchant.
22.4.2. Information on Nets’ general handling of Personal 
Data is stated in section 9 (Data Protection) of the 
General Terms.
23. SPECIAL TERMS FOR DANKORT 
PAYMENTS
23.1. Introduction
23.1.1. The terms of this Section 23 apply to Nets delivery of 
Dankort Payments to the Merchant only. The General 
Terms also apply. In case of conflict between the 
General Terms and the terms laid down in this section, 
the terms of this section will take precedence.
23.1.2. Nets shall only deliver Dankort Payments to the 
Merchant, if it is comprised by the Agreement as a 
Payment Method.
23.2. Nets’ role
23.2.1. Nets is in respect of delivery of Dankort payment to 
the Merchant, the acquirer of the Dankort.
23.3. The Merchant
23.3.1. General requirements 
23.3.1.1. The Merchant shall be established and registered in 
Denmark.
23.3.1.2. The Merchant Outlet shall be available in a Danish 
language version and directed towards Danish End 
Customers.Terms and conditions for Nets Easy 18 / 22
23.3.2. Accepting Dankort
23.3.2.1. The Merchant may not refuse to accept Dankort with 
reference to the issuer’s or the End Customer’s identity.
23.3.2.2. All payments must be completed in Danish kroner.
23.3.2.3. The transaction amount must not be rounded off.
23.3.3. Security requirements
23.3.3.1. To the extent that the Merchant and/or its external 
suppliers process – including transmitting or storing – 
Dankort data, the Merchant must ensure compliance 
with the security requirements in force from time to 
time, including PCI DSS.
23.3.4. Retention period applicable to Dankort card and Transaction data
23.3.4.1. In consideration of End Customer disputes, etc., the 
Merchant must retain transaction documentation, 
including signed vouchers, for 20 months from the 
date of Payment.
23.3.4.2. Storage requirements also apply if the Merchant has 
ceased trading
23.3.4.3. Once the retention period has expired, the transaction documentation/memoranda must be suitably 
destroyed, cf. PCI DSS, in such a manner that unauthorised parties are unable to gain access to the data 
contained in the documentation. Any media, such as 
hard disks, floppy disks and magnetic tapes, containing Transaction data must be erased, overwritten 
(a minimum of eight times) or destroyed before the 
equipment can be transferred or discarded.
23.3.5. Use of and rights to trademarks
23.3.5.1. All rights to Dankort trademarks, including copyrights, 
the right to the trademark and any other rights, belong 
to Nets. Any and all rights derived from the Merchant’s 
use of Dankort trademarks will be deemed to belong 
to Nets and any derived rights shall be promptly 
transferred to Nets when required. 
23.3.5.2. In entering into the present Agreement, the Merchant 
shall be entitled to use Dankort trademarks in accordance with the provisions of the Agreement. This right is 
inherent in the Agreement and may not be transferred 
to other parties in whole or in part. 
23.3.5.3. At the Merchant Outlet, the Merchant shall display 
clear signs using Dankort trademarks (logos). 
23.3.5.4. The trademarks must always be displayed in the 
correct, original design. Cards depicted in marketing 
material may not contain a valid card number or card 
issuer name. 
23.3.5.5. The trademarks can be found at and downloaded from 
dankort.dk 
23.3.5.6. The Merchant may use the trademarks in connection 
with marketing of goods and services that can be paid 
for by Dankort under this Agreement. 
23.3.5.7. The trademarks may not be used for any other 
purpose. 
23.3.5.8. Upon entering into this Agreement, the Merchant 
undertakes always to use Dankort trademarks in 
accordance with Nets’ instructions.
23.3.5.9. Use of the trademarks may not infringe Nets’ rights to 
the trademark and may not create the impression that 
goods and services are sponsored, produced, offered, 
sold or in any other way supported by Nets.
23.3.5.10.Beyond the right of use described above, the Merchant 
is not granted any other rights to Dankort trademarks.
23.3.5.11. The Merchant may not on its own initiative take steps 
to counter any third party’s unauthorised use of the 
trademarks
23.3.5.12. The Merchant may not apply for registration of the 
trademarks or any similar trademarks. 
23.3.5.13. The Merchant may not register this Agreement in any 
official register without Nets’ prior written acceptance.
23.3.5.14. On cessation of the Agreement, the Merchant shall refrain from any and all use of the trademarks, including 
signage, advertising online or in other media, or in any 
other type of marketing.
23.4. Payment Guarantee
23.4.1. Nets warrants to the Merchant that transactions completed by connection to Nets (online payment transactions) covered by this Agreement will be honoured up 
to DKK 2,000 where there are insufficient funds on 
End Customer’s bank account from which the Dankort 
payment is deducted.
23.4.2. If there are insufficient funds for the transaction on the 
End Customer’s account, the amount exceeding the 
payment guarantee may be debited directly from the 
Merchant’s settlement amount.
23.4.3. If the Dankort payment is divided into two or more 
payments (serial transactions), the guarantee limits remain unchanged in respect of the combined payment.
23.4.4. The above-mentioned payment guarantee does not 
apply if:
a) The Merchant knew or should have known that 
the End Customer was not entitled to use the 
card.
b) The Merchant did not complete the transaction 
in accordance with the Agreement, including 
attempting to have Payments honoured by Nets 
under this Agreement where such transactions 
originate from the End Customer’s purchases 
from other companies.
c) The card issuer/End Customer disputes the Payment and the dispute is not refused
d) The Payment transaction exceeds the amount 
accepted by the End Customer 
e) The Merchant has not submitted the transaction 
for settlement with Nets before expiry of the 
deadline set out in the Agreement.Terms and conditions for Nets Easy 19 / 22
f) The Merchant has received a Payment that was 
not registered as active with Nets at the time of 
payment. 
g) The Merchant provides debt collection services. 
h) the Cardholder claims that the payment was 
made by a non-authorized third party (third party 
fraud)
i) the Cardholder claims that the product and service the Cardholder purchased from the Merchant 
was not delivered
23.4.5. If the payment guarantee does not apply due to the 
circumstances cited above, the full amount may be 
debited directly from the settlement amount to the 
Merchant.
23.5. Disputed Payments
23.5.1. End Customer disputes
23.5.1.1. If Nets receives an End Customer dispute regarding a 
Payment and Nets cannot reject the dispute as unjustified, then Nets may withdraw the amount due, with 
the addition of fees, from the Merchant’s settlement 
amount in accordance with the rules below. If there 
are insufficient funds in the Merchant’s bank account, 
Nets may invoice the Merchant.
23.5.1.2. The Merchant is under an obligation to respond to all 
disputes from an End Customer.
23.5.1.3. If Nets receives an End Customer dispute where the 
End Customer claims that the End Customer did not 
make the Payment, Nets may withdraw the disputed 
amount from the Merchant’s bank account or settlement amount. 
23.5.1.4. If Nets receives an End Customer dispute where the 
End Customer claims that, in connection with purchases of goods and services through distance selling: 
a) The card transaction exceeds the amount accepted by the End Customer, or 
b) the goods/services ordered were not delivered, 
for example, or 
c) the End Customer or the recipient of the product/
service in connection with online shopping, mail 
order or telephone order is making use of a statutory or contractual right of cancellation, 
and the Merchant has not repaid the disputed amount, 
Nets may withdraw the amount from the Merchant’s 
bank account. The payment guarantees do not apply 
to such End Customer disputes.
23.5.1.5. If Nets receives notification that the End Customer 
claims that the End Customer did not know the exact 
amount on approval of the Payment, and the Payment 
exceeds the amount that the End Customer could 
reasonably expect to be deducted, Nets may withdraw 
the full amount of the transaction from the Merchant’s 
bank account. The payment guarantees do not apply 
to such End Customer disputes.
23.5.1.6. The Merchant will be charged upon receipt of the End 
Customer dispute.
23.5.1.7. The Merchant may pay a fee to Nets for Nets’ processing of justified End Customer disputes. The size of the 
fee is set out in the price list.
23.5.1.8. End Customer disputes may be sent to the Merchant 
up to 14 months after the transaction was completed 
or when gods or services was expected to be delivered.
23.5.2. Documentation of End Customer disputes 
23.5.3. If the Merchant disagrees with the charge, the 
Merchant must contact Nets within 30 days with 
documentation showing the basis for refuting the End 
Customer dispute. 
23.5.4. If Nets requests documentation of the payment, the 
Merchant must deliver this to Nets by the expiry of the 
time limit stated in the request (7–14 calendar days). 
If, on the basis of this documentation, Nets is able to 
reject the End Customer dispute, the amount will be 
recredited to the Merchant’s bank account. 
23.5.5. If the Merchant fails to provide the documentation as 
stated in the request, Nets can uphold the Chargeback. 
23.5.6. Nets is under no obligation to provide the Merchant 
with documentation of the End Customer dispute.
23.6. Documentation of payment
23.6.1. At Nets’ request, the Merchant shall provide documentary evidence of payment, such as a copy of a receipt, 
a rental contract for car rental, a subscription agreement, etc., forming the basis of the payment. 
23.6.2. The Merchant must deliver the documentation to Nets 
by the expiry of the time limit set out in Nets’ request 
for documentation (7–14 calendar days).
23.6.3. If the Merchant does not submit the necessary documentation, the payment may be immediately withdrawn from the Merchant’s bank account. 
23.6.4. If, on the basis of a request for documentation of a 
payment, the Merchant completes a credit transaction, 
the Merchant must inform Nets to this effect within the 
time limit specified above
23.7. Use and submission of Dankort data and Transaction Data
23.7.1. The Merchant may only use Dankort data to complete 
Payments. Therefore, Dankort and/or Dankort data 
must not be used for identification of customers in 
connection with access control, etc.
23.7.2. The Merchant may only submit Transaction data to 
Nets originating from Payments completed by the 
Merchant and may not assign Dankort data, including 
vouchers, to a third party. 
23.7.3. The Merchant warrants that the Transaction data 
submitted to Nets is genuine and correct. 
23.7.4. The Merchant must submit Transaction data to Nets 
as quickly as possible. Transaction data must be in 
Nets’ possession no later than the seventh calendar 
day after the transaction date. However, the Merchant 
may not submit Transaction data to Nets for settlement until the goods/services have been dispatched or Terms and conditions for Nets Easy 20 / 22
delivered to the End Customer or the End Customer’s 
designated recipient.
23.7.5. Nets may refuse to process, or honour Payments 
submitted after expiry of the time limit.
23.7.6. It is the Merchant’s responsibility to ensure that transactions are submitted to Nets, and that transactions 
are submitted in accordance with the time limits.
23.7.7. The Merchant may not pass on Transaction data to 
other parties unless this is necessary for the purpose 
of correcting Payments, for law enforcement purposes 
or in response to other legislation.
23.7.8. Costs relating to control request and submission of 
Transaction data between Nets and the Merchant shall 
be paid by the Merchant.
23.8. Receipt
23.8.1. The End Customer is entitled to a Receipt for any 
Payment. The Merchant must provide/send a Receipt 
to the End Customer when the Payment is completed. 
If, in the event of a fault, the terminal cannot print a 
Receipt, the Merchant must send a receipt if the End 
Customer asks for one. 
23.8.2. The Receipt must include the Merchant name, the 
place of the transaction and contact information. 
23.8.3. Subject to a separate agreement with Nets, a Receipt 
may be omitted for transactions where the amount 
is limited in End Customer-activated terminals (CAT) 
without a PIN code. 
23.9. Cancellation of a payment
23.9.1. If a Payment was a mistake, the Merchant must cancel 
the Payment, if possible. If cancellation is not possible, 
the Merchant must complete a credit transaction. If 
this cannot be done, the Merchant must contact Nets. 
23.9.2. The Merchant must hand over/submit a receipt for the 
credit transaction to the End Customer.
23.10. Returns 
23.10.1. If the End Customer or recipient of the goods/service 
exercises a statutory right of cancellation for sales 
online, mail order or telephone orders, or if the End 
Customer exercises any other agreed right of cancellation, the Merchant must complete a credit transaction or otherwise recompense the End Customer for 
the amount pursuant to written agreement with Nets.
23.11. Settlement
23.11.1. The Dankort Payments will be settled to the Merchant 
as part of the settlement on the Service.
23.11.2. Settlement is in batches (bundles) or as single items 
(per transaction).
23.12. Requirements regarding the Merchant website
23.12.1. As a minimum, the following information must be 
displayed on the Merchant website: 
a) The Merchant’s name, CVR number and address 
b) E-mail address and telephone number for customer service or similar 
c) Description of the goods/services the Merchant 
sells (including prices, taxes and duties) 
d) Terms and conditions of delivery (including rules 
concerning the End Customer’s right of cancellation) and shipment costs 
e) The fact that End Customers can pay by Dankort 
f) The trademarks of Dankort. The trademarks must 
also be displayed where the End Customer can 
choose payment methods. 
g) Transaction currency (must always be Danish 
kroner) 
h) Any export restrictions. 
23.12.2. The Merchant website must also contain a function to 
enable the End Customer to enter his/her CVV code 
(typically three digits on the reverse of the card, either 
on the signature strip or directly beside it). 
23.12.3. The End Customer must actively express the End 
Customer’s acceptance of the Merchant’s terms and 
conditions of sale and supply before Payment is made. 
This could be done, for example, by the End Customer 
ticking a box on the Merchant’s website, where it 
is clearly stated that the End Customer is thereby 
accepting the terms and conditions of sale including 
shipment. The box may not be pre-ticked. 
23.12.4. The Merchant’s website may not give the End Customer the opportunity to enter the card PIN code or 
any other Dankort data without encryption. The End 
Customer may not be able to submit orders containing 
Dankort data via e-mail, unless in encrypted form. If 
this is used, the encryption method must be approved 
by Nets.
23.13. Order acceptance
23.13.1. Before the End Customer accepts the order, the following information must be displayed on the screen, 
as a minimum requirement:
a) A clear description and the price of the individual 
goods/services the End Customer has ordered 
b) The total amount the End Customer must pay 
(including specification of any taxes/duties, shipment costs and other charges) 
c) Transaction currency (must be Danish kroner) 
d) The fact that payment is to be by Dankort 
e) Estimated delivery date 
f) Terms and conditions of delivery, including rules 
on the End Customer’s right to cancel 
g) Name of the recipient of the goods/service
h) Delivery address
23.14. Procedure for paying with Dankort
23.14.1. The following procedure must be followed in connection with a payment transaction on the internet: 
a) The End Customer places an order and enters 
the required information for use in completing the 
payment transaction 
b) Card number 
c) Expiry date 
d) CVV Code Terms and conditions for Nets Easy 21 / 22
e) A query will be sent to Nets with a view to 
approval of the transaction and the Merchant will 
receive the reply: approved or rejected 
f) Depending on the amount involved, the End 
Customer will be asked to verify the purchase 
using Dankort Secured by Nets 
g) If the card has been blocked or the transaction 
cannot be approved – the answer is “rejected” – 
the Payment may not under any circumstances 
be completed. 
23.14.2. Data must be entered in an encrypted session. 
23.14.3. If the CVV Code is not correct, Nets may reject the 
transaction.
23.14.4. CVV Codes may never be stored, and the Merchant 
must therefore delete any CVV Codes received with 
an End Customer’s order once the payment has been 
controlled. In the case of late deliveries, part deliveries 
and subscriptions, CVV Codes will only be sent with 
the first request.
23.14.5. If the Merchant is unable to deliver the goods ordered 
by the End Customer within just a few days after the 
order was placed, or if the delivery is to be divided into 
several part deliveries, follow the procedure below:
a) Send the control request to Nets at DKK 0 to 
check the card and the CVV Code 
b) When the Merchant is ready to send the product 
or a part delivery, the Merchant must send a 
request to Nets for the full amount of the order 
(not just the amount corresponding to the part 
delivery) 
c) The transaction will then be forwarded (as the 
amount corresponding to the goods delivered) for 
settlement with Nets 
d) If there is a part delivery, at the time of the next 
delivery, the Merchant must submit a request to 
Nets for DKK 0 and subsequently send a transaction for settlement (corresponding to the amount 
the of goods supplied) 
e) Repeat this procedure until the order has been 
fulfilled. 
23.14.6. Dankort Secured by Nets must be used for payments. 
The Merchant is responsible for ensuring that the 
Merchant’s PSP uses Dankort Secured by Nets.
23.15. Order confirmation/receipt
23.15.1. The electronic Receipt to the End Customer must 
include at least the following information:
a) Merchant name 
b) Merchant e-mail address 
c) Description of the goods/services ordered 
d) Order number/transaction number 
e) Transaction date 
f) Transaction amount 
g) Transaction currency (must be Danish kroner) 
h) Transaction type (debit/credit) 
i) Delivery date 
j) Any parts of a card number (truncated) 
k) The fact that payment transaction has been completed (if this is a receipt). 
23.15.2. The amount may not exceed the amount the End 
Customer agreed to.
23.16. Submission 
23.16.1. Transactions must be submitted electronically to Nets 
as quickly as possible; however, no earlier than when 
the product/service will be sent. 
23.16.2. The Transaction data must arrive at Nets no later than 
seven calendar days after the date of delivery.
23.17. Personal data
23.17.1. Neither Party is processing Personal Data on behalf 
on the other Party in connection with Nets’ delivery of 
Dankort Payment to the Merchant.
23.17.2. Information on Nets’ general handling of Personal 
Data is stated in section 9 (Data Protection) of the 
General Terms.nets.e