Payments Policy

At DialedN, we're not just about exploring the great outdoors; we're about making your journey through our marketplace as smooth as possible. This Payments Policy is your trusty map to navigate the world of transactions on DialedN.com.

The DialedN Payments Policy (or the “Policy”) is a legal binding contract between you and DialedN and sets out your rights and responsibilities when you use DialedN Payments on DialedN’s services (we’ll refer to DialedN.com, and other services as our “Services''), so please read it carefully. By using DialedN Payments, you’re agreeing to the Policy.

Overview

Third Party Services

DialedN Rights & Responsibilities

Seller Rights & Responsibilities

Appointment of DialedN as Limited Collection Agent for Sellers

Deposits

Recoupment

Payment Processing Fees

Reporting Obligations

Termination

Overview 

DialedN Payments allows sellers to (1) accept payment by authorized credit and debit card transactions, transactions using Apple Pay, transactions using Google Pay, and transactions using Paypal (2) have those funds reflected in a seller’s payment account on DialedN, and (3) have those funds deposited into a seller’s designated bank account. DialedN reserves the right to add or remove payment methods accepted by DialedN Payments in its sole discretion, with notice where required by applicable law. 

DialedN Payments is only available to sellers who are at least 18 years old who register and are approved for a payment account with DialedN. DialedN Payments is currently available to sellers in the United States. 

Sellers may only use DialedN Payments for the sale of items listed on DialedN’s Services, and agree to ship sold items once a payment transaction is complete and reflected in their payment account. DialedN reserves the right to terminate a seller’s access to DialedN Payments if the seller uses DialedN Payments in any other manner.

Buyers and Sellers benefit from DialedN having visibility into payments made on DialedN via DialedN Payments, because it can make the Services easy to use and enables DialedN to more effectively provide support to sellers or buyers where relevant. It also can help reduce fraud and other types of misuse of the DialedN platform.

Third Party Services

DialedN has engaged third-party service providers that provide you with regulated payment services and perform many of the services related to payment processing, including card processing, disbursements, identity verification, fraud analysis, and regulatory compliance.

DialedN partners with Stripe, PayPal, and other licensed processors to facilitate card payments and other payments and the disbursement of funds to sellers in the United States. 

DialedN may share your personal or transactional information with those third party payment processors for purposes related to payments processing.

If DialedN receives notice that your store’'s content or activity violates a third party's service agreement, we may, at our sole discretion, take action against your account to comply with their policies. Such actions may include canceling a transaction, disabling listings from your store, suspending or terminating your selling privileges, or removing certain payment methods.

DialedN’s Rights & Responsibilities

DialedN Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in DialedN’s Terms of Service.

As a security measure, we may impose transaction limits on buyers and sellers. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a seller: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a buyer to withdraw from a transaction.

DialedN may refuse service of DialedN Payments to anyone, for any reason, at any time.

DialedN reserves the right to decline or refund transactions that we believe to be high risk, fraudulent, in violation of trade sanctions, or otherwise in violation of DialedN’s Terms of Service.

In the event that a buyer does not make payment for the purchase of a legitimate item sold using DialedN Payments (e.g., where the buyer used a stolen or unauthorized credit card), DialedN may provide limited payment protection to the seller, in the interest of fairness.

DialedN maintains records associated with transactions on DialedN Payments and does not pass any secure data, including credit card numbers or bank account information, to any sellers. Sellers will receive shipping information and limited buyer account and other information necessary to complete the order. DialedN’s Privacy Policy further explains how DialedN handles user information.

DialedN will send you any relevant notices regarding your use of DialedN Payments in accordance with our Communications Policy.

Seller Rights & Responsibilities

Use of DialedN Payments

If you live in the United States, you are required to sign up for DialedN Payments, except as otherwise determined by DialedN in its sole discretion. Using DialedN Payments will result in your store accepting payment through authorized credit and debit card transactions, some bank transfer services, PayPal, DialedN Gift Card, DialedN Credits, DialedN Coupons, Apple Pay, and Google Pay. For you to sign up for DialedN Payments and receive payment for transactions made through DialedN Payments, you must provide all required information and complete all required steps, including in some markets, verifying your bank account, for compliance purposes. Without this information, payment cannot be made to you and, in some cases, your account functionality may be otherwise limited. 

Payment Accounts

A payment account is a notional ledger that allows sellers to track payment amounts, refunds, and fees related to transactions and seller services. Sellers must provide accurate personal information as requested during registration, and are responsible for maintaining and updating that information as necessary. Sellers will not impersonate any person or use any name they are not legally authorized to use. Sellers authorize us, and authorized agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the sellers. DialedN verifies sellers’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.

Payment accounts are only available to individuals who are eligible to be sellers on DialedN’s Services and who have a valid credit or debit card on file with DialedN, unless they are exempt from this requirement. 

Disputes

Sellers agree to resolve any disputes directly with a buyer or with the assistance of the dispute management and refund tools available on DialedN, and in accordance with our Seller Policy and Terms of Service. In the event that a dispute is escalated to DialedN’s Support Team, DialedN reserves the right to issue a refund to a buyer and recoup such funds from the seller if a transaction is found to be in violation of DialedN’s policies.

In the event that a buyer submits a chargeback, DialedN will respond to the credit card networks on behalf of the seller involved in the transaction; the seller agrees to provide any requested information to us within five calendar days of the request. DialedN reserves the right to recoup funds associated with buyer chargebacks from the seller.

Communications

We will inform sellers of each transaction, or of other information pertaining to DialedN Payments, using our standard communication procedures (detailed in our Communications Policy), including by email or through DialedN's Messages tool.

Refunds

Refunds or adjustments paid by DialedN to buyers for payments made through DialedN Payments may be initiated using the refund functionality in the seller's payment account for a period of 180 days after the purchase was made. The DialedN Payments Platform does not have refund functionality after 180 days from the original purchase date. Any such funds paid by DialedN to cover refunds will be deducted from the seller’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the seller’s card on file or added to the seller’s payment account. Refunds issued by DialedN will be in the original form of payment, and if such payment is not available, a DialedN credit will be issued.

For full refunds to buyers who used a DialedN Coupon towards their underlying purchase, the buyer will be refunded the amount they paid as part of the purchase, and DialedN will be refunded the amount contributed by DialedN via the DialedN Coupon. For partial refunds to buyers who used a DialedN Coupon towards their underlying purchase, refunds will be made to the buyer and DialedN proportionate to the amount contributed to the underlying purchase (in DialedN’s case via a DialedN Coupon). 

DialedN reserves the right to refund buyers and recoup such refunded amounts from the seller where the seller has been refused service by DialedN in accordance with DialedN’s Terms of Service; and/or in circumstances where a seller is under Reserve as detailed in Section 7 (Deposits); and/or in circumstances where the seller has unfulfilled or overdue orders.

Fully refunded transactions may be eligible for cancellation in accordance with our Cancellation Policy.

International Trade Laws

You agree that your use of DialedN Payments will not involve any countries, entities, individuals, or items prohibited by sanctions, embargoes, regulations, or orders administered by the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies. See our Sanctions Policy for more information.

Information on Cardholder Charges

Please note that your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on DialedN. These fees are not charged by DialedN and are at the discretion of your bank. Please contact your bank for further details.

Appointment of DialedN as Limited Collection Agent for Sellers

Each seller appoints DialedN as its agent for the limited purpose of receiving, holding, and settling payments to seller. DialedN will settle payments that are actually received by DialedN to each seller, less any amounts owed to DialedN and subject to these Terms. Each seller agrees that a buyer payment received by DialedN, on behalf of seller, satisfies the buyer's obligations to make payment to seller, regardless of whether DialedN actually settles such payment to seller. If DialedN does not settle any such payments as described in these Terms to a seller, such seller will have recourse only against DialedN and not the buyer.

Deposits

Payment Account

All funds resulting from a completed transaction will be reflected as a balance in a seller’s payment account. Transactions are considered complete at the later of once the payment is approved by DialedN or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to buyers in connection with purchases, or for funds received since the last payment day, are also applied to the seller’s payment account balance.

Funds displayed in a seller’s payment account balance are eligible for deposit (the “Available Funds”) into a seller’s bank account, subject to any applicable reserve(s) and corresponding reserve limit, hold, or deposit delay, as described in Section B. Reserves; Holds and Delays below, and as otherwise determined by the seller’s bank.

Reserves, Holds and Delays

To protect the security and integrity of our marketplace, the users of the DialedN services, and DialedN, DialedN may take account-level or transaction-level actions based on risk-based criteria, like the criteria listed below. Some of our decisions about reserves, holds and delays may be based on criteria that demonstrate a seller’s ability to fulfill orders in a manner consistent with DialedN’s policies. These criteria are essential to our management of risk and the protection of DialedN and our users. DialedN reserves the right to use a combination of reserves, deposit delays, and holds on your account.

Reserves

A Reserve is an amount of money pending settlement as indicated in your payment account. A Reserve will be placed on your account if we believe there may be a high level of financial risk associated with you, your account, your business model, or your transactions.

When a Reserve is applied on your payment account, it means that a percentage of the funds in your payment account balance is held on an ongoing basis, and will not be made available for disbursement as Available Funds for a specified period of time. The Reserve percentage applies to amounts from your sales that would otherwise be available for disbursement. The percentage Reserve applied to your account is determined by your risk level and is used to create a threshold amount (explained in detail below) that applies to your payment account balance while you are in Reserve. You’ll be notified by email if a Reserve is applied to your Payment Account. The email you receive notifying you that you are in Reserve will include details of the Reserve, including the period of Reserve and the percentage applied to your Payment Account.

Threshold Reserve Amount applicable to your Account

The threshold reserve amount is the amount of funds you must have in your Payment Account while you’re in Reserve before you’ll have money available to disburse to your bank account (the “Threshold Reserve Amount”). The Threshold Reserve Amount will maintain the percentage Reserve that has been applied to your account. As a result, it may increase and decrease as appropriate to reflect new activity in your payment account, like sales you’ve received, refunds and chargebacks, charges to your payment account where applicable, as well as and Reserve amounts released to you. The Threshold Reserve will also determine the amount of funds available to be disbursed to your bank account as Available Funds and the amount of funds that are pending, because they are still in Reserve. Funds in excess of the Threshold Reserve Amount are available to you for disbursement as described in Section 7A above. Funds below the Threshold Reserve Amount are your Reserved funds and are not available for disbursement until the end of the applicable Reserve period. If your Reserve funds are used to cover any charges and your Reserve funds fall below the Threshold Reserve Amount, funds from subsequent sales will be applied to your Reserve funds to help you meet and maintain your Threshold Reserve Amount. You can view your Threshold Reserve Amount, as well as any Reserved funds and funds available to you for disbursement (Available Funds), in your Payment Account.

Reserve funds will be used to address potential financial risk such as refunds, chargebacks, claims, or seller fees and charges, where your Available Funds do not sufficiently cover such charges. Reserve funds that are not used to address refunds, chargebacks, claims or seller fees, where applicable, will be released to you in full at the end of the corresponding Reserve period on a rolling basis. However, Reserve funds will not be released if, during the Reserve period relating to a particular sale, a buyer raises a case against you, or files a chargeback, and you do not have sufficient funds in your Available Funds to cover a potential refund. DialedN relies on different risk factors (and whether and how these factors have changed over time) to determine whether and how much of a Reserve should be applied to your payment account, including:

• How long you’ve been in business on DialedN (including how long since you’ve made your first sale)
• Details of your sales (including volume and average sales earnings)
• The extent of any backlog of orders from your store
• Ratio of cases (disputes) opened by buyers in respect of your sales
• Suspensions or warnings already received
• Estimated delivery times; and
• Shipping status of active orders

A Reserve is a fixed percentage of your payment account balance at the time a Reserve is placed on your account, which will be held for a specified period of time. After that, the same percentage of each of your subsequent sales will be held in Reserve, each for a specified period of time. Reserve funds will be held for such period and where applicable, will be used to address chargebacks, refunds, and pay seller fees. Reserve funds will be released on a rolling basis after the corresponding Reserve period expires, unless a case is raised against you by a buyer. Any funds above the Threshold Amount of your Reserve will be available to be disbursed as described in Section 7A.

Holds and Delays

In some cases, deposits to a seller's bank accounts could be temporarily delayed by an issue at DialedN, DialedN’s third-party service providers, or a seller’s bank. We’ll do our best to communicate with any affected seller as soon as we can.

Separately, if we believe that a seller's actions may result in buyer disputes, chargebacks, increased risk of fraud, counterfeiting, or other claims, then we may, in addition to any applicable Reserve and in our sole discretion, put a hold or deposit delay on the seller’s payment account balance.

• A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of: (a) 180 days after the estimated delivery date, or (b) completion of any investigation regarding the seller’s actions.
• Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 180 days. A deposit delay is applied across all transactions for a seller and the number of days is reflected in each seller’s payment account.

If DialedN places a hold or deposit delay on a seller’s account, we’ll do our best to communicate with the affected seller as appropriate as soon as we can.

We always work hard to avoid and minimize any delays. However, please note that DialedN is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.

Currency

In the United States, Available Funds can only be deposited into bank accounts, in the domestic currency of the account, which includes the following currencies: US Dollars (USD).

Scheduled Deposits

DialedN will instruct our payments partners to initiate a deposit of a seller’s Available Funds into the seller’s bank account on a weekly, biweekly, or monthly basis. Sellers can select the frequency of disbursements from their payment account in their account settings. When a seller selects weekly, biweekly, or monthly disbursements, disbursements will be made on every applicable Monday. In this policy we'll refer to the date of disbursement as the "Payment Date." Deposits into a seller’s bank account will generally be credited within three (3) to five (5) business days from the date DialedN initiates the deposit request. The actual timing of the deposit may depend on how quickly a seller’s bank processes the request. 

The Payment Date will fall on the next applicable Monday (excluding bank holidays) if the scheduled Payment Date falls on a non-business day. If a seller elects to change the frequency of disbursements, the following deposit will be initiated on the next applicable Monday if the seller selects weekly, biweekly, or monthly disbursements. When a seller either initially provides or later changes their bank account information, the seller must wait at least five (5) calendar days to request a deposit into a bank account as a security precaution. The next scheduled deposit after a change to bank account information will occur on the next applicable Payment Date after a period of five (5) calendar days from the date of the requested change.

Escheatment

If DialedN cannot settle funds into a seller’s bank account, or the seller is refused service by DialedN under DialedN’s Terms of Service, the funds will remain with DialedN and the balance remains available in the seller’s payment account. It is the seller’s sole responsibility to update their bank account information to receive the funds, if applicable. If a seller fails to update the information to claim the funds within a certain period of time, typically 180 days or less, or DialedN cannot release funds to the seller for compliance reasons, DialedN will escheat the funds to the relevant government authority as required in order to comply with applicable escheatment laws.

Recoupment

We reserve the right, in our sole discretion, to seek reimbursement from a seller in any of the following circumstances: (a) we provide a refund to a buyer because a seller did not promptly deliver the goods or we otherwise determine, consistent with Section 5 (Seller Rights and Responsibilities], that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a seller, (c) we receive a chargeback from a buyer's credit card issuer or reversal of payment for the amount of a buyer's purchase from a seller, or (d) a seller does not act in accordance with DialedN’s policies.

We may obtain reimbursement of any amounts owed by a seller to DialedN by deducting from future payments owed to the seller, reversing any credits to the seller’s payment account balance, charging the seller's card on file, charging the seller’s payment account, or seeking reimbursement from the seller by any other lawful means, including by using third-party collections services. You authorize us to use any or all of the foregoing methods to seek reimbursement. DialedN may suspend your selling privileges at any time pending payment of your outstanding balance.

Payment Processing Fees

DialedN, via Stripe, charges a fee (the “Payment Processing Fee”) for each transaction processed on the DialedN platform. The fee amount will be assessed on the gross order amount, including shipping and tax (if applicable). Payment Processing Fees will be reflected in your payment account and will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. 

In the event of partial refunds credited back to a buyer by a seller, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the buyer. As with full refunds, the seller is responsible for these processing fees and DialedN will deduct them from the seller’s payment account balance. Deposit fees will be refunded if the deposit is returned to a seller’s payment account. For clarity, for full refunds credited back to a buyer that are covered by DialedN (e.g., through DialedN’s Protection Program), the Payment Processing Fee and other applicable fees (including without limitation: commission fee, etc.) will not be credited back to the seller.

Fee Amounts

Interest

In the United States, DialedN may earn interest (or other compensation) from the balances in our bank accounts because of the timing difference between our being paid by buyers and our paying sellers (when our bank account is being debited to pay Available Funds in payment accounts to sellers).

Reporting Obligations

Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for sellers located in the United States.

To comply with these reporting obligations, DialedN requires that you add your taxpayer name, taxpayer-identification and/or other applicable information to your DialedN store at registration. Your selling privileges may be suspended until you provide this information.

Termination

Sellers may terminate this contract and their acceptance of DialedN Payments at any time by adjusting the Settings in their account with DialedN. DialedN may also terminate or suspend a seller’s use of DialedN Payments at any time.

Upon termination, any non-disputed Available Funds will be deposited into a seller’s bank account. DialedN reserves the right, upon termination of access to DialedN Payments, to set off against any payments to be made to the seller, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments, or other amounts that might be paid to buyers in connection with purchases from the seller's payment account for a prospective 180-day period. At the end of the 180-day period following termination, we will disburse to the seller any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to buyers, or seek reimbursement from the seller via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to buyers, as applicable.