MUNDPAY’S PAYMENTS
AND FEES 

This Policy governs all chargeback handling, and platform fee structures applicable to transactions processed through the Mundpay checkout, covering Physical Products, Digital Products (downloads, license keys, cloud or streaming access), and Subscriptions with recurring billing. It applies to all Users — Sellers, Buyers, Affiliates, and Producers — who interact with the Mundpay Platform and constitutes an integral part of the General Terms of Use agreed upon at registration.

Mundpay operates through distinct legal entities depending on the nature of the transaction and the buyer's region: Mundpay Pagamentos Internacionais Ltda. (CNPJ 55.009.285/0001-13), headquartered in Rio de Janeiro, Brazil; Mund USA LLC (EIN 32-0819366), in Apopka, Florida; Mundpay LLC (EIN 36-5099929), in New York; and MundP Tech OÜ (Reg. 17270502), in Tallinn, Estonia. The entity effectively engaged is defined on a transaction-by-transaction basis according to jurisdiction, currency, and applicable regulatory requirements.

Order tracking, subscription cancellation, and all refund requests can be managed directly at support@mundpay.com.br.

2. Chargeback Policy

2.1 DEFINITIONS & MUNDPAY’S ROLE

A chargeback or dispute arises when a cardholder challenges a transaction directly with their issuing bank or card network, seeking cancellation, reversal, or refund of the charge. The dispute is communicated through the payment arrangement chain to Mundpay, which, acting as Merchant of Record in international and U.S. operations, assumes formal responsibility for managing and responding to such disputes before acquirers, sub-acquirers, card networks, and issuers. In domestic Brazilian operations, Mundpay acts as an intermediation marketplace and handles disputes in its capacity as payment processor, without assuming ownership of the commercial relationship between buyer and seller.

As a participant in the payment arrangement ecosystem, Mundpay adopts proactive risk management mechanisms, including fraud prevention, loss mitigation, and protection of the financial integrity of all operations processed on its platform. These mechanisms may be applied before, during, or after a formal chargeback notification, and the seller acknowledges that such measures are a necessary and proportionate feature of operating within card network frameworks.

2.2 RESERVE & RETENTION

Mundpay reserves the right to retain funds from transactions carried out by the seller for up to 120 (one hundred and twenty) calendar days, establishing an initial financial reserve of 20% (twenty percent) on transacted amounts to cover chargebacks, disputes, reversals, cancellations, and related occurrences. This retention percentage may be revised and increased — including retroactively — up to 100% (one hundred percent) of the transacted amounts whenever disproportionate increases in chargeback rates, atypical spikes in disputes, abrupt changes in transaction volume, or any indicators of elevated operational, financial, or reputational risk are identified.

The retention period may be further extended when there are ongoing judicial, administrative, or arbitral proceedings related to the transactions in question, lasting until final resolution, including final judgment. In such cases, retained funds may be applied to offset losses, court costs, settlements, attorney’s fees, and any costs awarded against Mundpay arising from the dispute.

2.3 PREVENTIVE MEASURES

When evidence of suspicious, fraudulent, or high-risk transactions is found — particularly when the chargeback rate threatens to exceed 1% (one percent) of processed transactions settled in the preceding 30 days — Mundpay may preventively cancel sales, initiate reversals or refunds directly to buyers, and block settlement flows, with the aim of mitigating systemic damage and avoiding formal dispute filings with issuers and card networks. Similarly, if transaction data linked to the seller is identified in fraud databases shared by payment network participants or anti-fraud systems, Mundpay may immediately reverse the corresponding amounts and debit the seller’s virtual account without prior notice.

A chargeback rate below 1% (one percent) of total transactions settled in the last 30 (thirty) days is considered the acceptable operational threshold. Exceeding this threshold triggers a graduated response, including written warnings, additional reserves, withdrawal restrictions, suspension of operations, or account blocking, up to and including permanent closure of the account for persistent non-compliance.

2.4 DISPUTE DEFENSE PROCESS

Once a chargeback is formally reported by the relevant payment arrangement participants, the full disputed amount is immediately debited from the seller’s virtual account as a provisional measure to restore financial balance in the system. The seller may be granted, at Mundpay’s sole discretion and in accordance with card network deadlines, up to 10 (ten) calendar days from notification to submit an administrative defense, providing complete, reliable, and verifiable documentation. Depending on the nature of the product or service, the documentation required may include proof of delivery or service access, logistical records with tracking information, electronic records of purchase authentication (such as IP logs, device fingerprint, or two-factor authentication), evidence of the buyer’s active participation in the contracting, copies of communications with the buyer, proof of access or consumption of a digital product, applicable commercial policies at the time of sale, and any further materials requested by Mundpay or payment arrangement participants.

Failure to submit documentation within the stipulated period, incomplete submission, or presentation of materials deemed insufficient by the arrangement founders will result in forfeiture of the right to administrative defense and definitive confirmation of the chargeback. The final decision on reversal or maintenance of the dispute rests exclusively with the issuers, card networks, and payment arrangement founders; Mundpay acts solely as an intermediary in providing the submitted information and documentation, and has no influence over that outcome. If the balance is insufficient to cover a confirmed chargeback debit, Mundpay may take collection measures, offset future credits, and pursue applicable judicial and extrajudicial remedies.

2.5 ETHOCA & VERIFI ALERT SERVICES

Mundpay participates in the Ethoca and Verifi Alert Services, affiliated with the Mastercard network, which provide real-time fraud and reversal alerts for transactions conducted with Mastercard and Visa cards. All transactions subject to such an alert, once received or confirmed, may be automatically reversed. For each reversal carried out as a result of these alerts, the seller may be charged a fee of up to BRL 150.00 (one hundred and fifty Brazilian reais), debited at the time the alert is received. This fee is subject to annual adjustment in June, based on the positive variation of the applicable official inflation index accumulated over the preceding twelve months.

2.6 PRE-CHARGEBACK

Mundpay may apply a pre-chargeback mechanism, which, in conjunction with its payment partners and acquirers, may also be operationally treated as a preventive refund. This measure is based on alerts issued by partners and is intended to protect Sellers’ businesses and the integrity of transactions processed on the Platform.

Upon identification of a risk alert, Mundpay may automatically issue a refund to the end customer prior to the formal initiation of a chargeback, in order to mitigate financial losses, avoid penalties from acquirers, and preserve the Supplier/Seller’s operational performance metrics.

3. Platform Fees & Internal Rate Adjustments

3.1 FEE STRUCTURE & ACCESS

Mundpay charges processing fees on each transaction completed through the platform. The applicable fee schedule is determined by a combination of factors including product type, payment method, supplier/seller plan, and the buyer’s region. Supplier/Seller can consult their current, applicable rates at any time by accessing the Mundpay dashboard within their account, where a full breakdown of processing fees, applicable currency conversion rates, and any active reserves or fund holds is made available in transparent and accessible form.

3.2 INTERNAL RATE ADJUSTMENTS

The User acknowledges and agrees that the fees, charges, and other amounts imposed by Mundpay for the use of the platform may, at any time, be reviewed, adjusted, created, or discontinued at Mundpay’s sole discretion, whenever such measure is deemed necessary for the proper maintenance of economic and operational balance, the sustainability of the platform, or the better continuity of the seller’s business activities conducted through Mundpay. Such internal adjustments reflect the evolving costs of payment processing infrastructure, compliance, risk management, and technological development, and are an inherent feature of the commercial relationship established by these Terms.

Fee changes will always be communicated in advance via email or in-platform notification before taking effect. Sellers are encouraged to review their current rate schedule regularly through the Mundpay account dashboard.

Any change to the standard platform fee schedule will be communicated to sellers with prior notice through at least one of the following channels: email notification sent to the registered account address, or in-platform notification visible upon login. Continued use of the Mundpay platform following the entry into force of any fee change constitutes the supplier/seller’s tacit acceptance of the updated conditions, without prejudice to the supplier/seller’s right to terminate the agreement in accordance with its terms should they choose not to accept the new rates.

3.3 CURRENCY EXCHANGE & FX VARIATIONS

For cross-border and international transactions, fees, settlements, and payouts may be subject to currency conversion. The applicable exchange rate is determined at the time of settlement and reflects prevailing foreign exchange (FX) market conditions, which fluctuate continuously. Mundpay uses exchange rates sourced from major financial institutions, payment network references, or widely recognized market benchmark providers, which are updated at regular intervals in accordance with objective and pre-established criteria.

Supplier/Seller operating across multiple currencies expressly acknowledge that amounts received in their local currency may vary due to FX fluctuations between the date of the transaction and the date of settlement, and that Mundpay assumes no liability for currency-related gains or losses arising from such variations. Any applicable FX conversion fee is separately disclosed within the supplier/seller’s account and is included in the current rate schedule accessible via the dashboard.

3.4 RESERVES & HOLDS

In addition to chargeback-related reserves described in Section 9, Mundpay may apply risk reserves on supplier/seller balances to cover potential refunds, disputes, acquirer fines, or other financial exposures identified through risk monitoring. The applicable reserve amount, duration, and conditions for release are communicated to the supplier/seller and are accessible through the account dashboard. Reserves do not constitute a penalty but rather a protective mechanism forming part of Mundpay’s standard risk management framework.

4. Account Suspension, Blocking & Related Measures

Penalties arising from misuse of the platform, violation of these Terms, related policies, applicable legislation, or assumed contractual duties include suspension, blocking, and deletion of the supplier/seller’s account and linked products. These measures may be adopted preventively or definitively, individually or cumulatively, at Mundpay’s sole discretion, whenever conduct representing operational, financial, regulatory, reputational, or legal risk to the platform, its users, or third parties is identified. Grounds include, but are not limited to, chargeback rates exceeding acceptable thresholds, fraud suspicions, repeated buyer complaints, non-fulfillment of offers, violation of intellectual property rights, and breach of the Acceptable Use Policy.

Suspension is a preventive and temporary measure that limits platform access, suspends checkout links, sales pages, and financial transfers pending investigation. In cases of suspected fraud, suspension may be applied for up to 120 (one hundred and twenty) business days or for the full period required by internal or external investigations. Blocking constitutes a more severe measure, applicable when evidence of an infraction or material breach is identified; it implies automatic cancellation of advertisements and offers, interruption of payment processing, and freezing of existing and future balances. Deletion constitutes the definitive closure of the account and contractual relationship, reserved for cases of confirmed fraud, repeat violations, serious breach of these Terms, material damage to the platform or to third parties, or legal orders requiring termination. Upon closure, Mundpay may debit from the account any amounts necessary to settle damages caused to third parties or to the platform itself, and future chargeback requests may continue to generate debits for up to 365 (three hundred and sixty-five) days from the original purchase date.

5. Minimum Account Withdrawal Policy 

Withdrawals on the Platform are subject to minimum thresholds established by Mundpay, intended to ensure operational feasibility, processing efficiency, and proper management of transactional costs.

For accounts operating in local currency (Brazilian Real – BRL), the minimum amount required to request a withdrawal shall be BRL 100.00 (one hundred Brazilian reais), applicable to transactions carried out within Brazil. For accounts or operations linked to foreign currency (United States Dollar – USD), the minimum amount required to request a withdrawal shall be USD 50.00 (fifty U.S. dollars), applicable to transactions conducted both within Brazil and abroad, whenever settlement is made or requested in foreign currency.

Mundpay reserves the right to review, modify, or update the minimum withdrawal amounts at any time, upon prior notice to Users through its official communication channels, whenever such measure is necessary to maintain the operational, financial, or regulatory balance of the Platform.

6. Privacy

All personal and transactional data collected in connection with refund requests, chargeback proceedings, and fee operations is handled in strict accordance with Mundpay’s Privacy Policy and applicable data protection legislation, including the LGPD (Brazil), GDPR (EU), and FIPA (USA – Florida). Data may be shared with card networks, payment arrangement participants, and competent authorities as required for dispute resolution, fraud prevention, and regulatory compliance. Full details on data handling purposes, legal bases, data subject rights, and security measures are described in the Mundpay Privacy Policy.

7. Policy Updates

Mundpay may update this Policy at any time for operational, regulatory, or commercial reasons. Material changes will be communicated in advance and highlighted at the top of the published document with a revised effective date. The current and binding version of this Policy is always the one published on the Mundpay website and reflected in the supplier/seller’s account dashboard. Continued use of the platform after any update takes effect constitutes acceptance of the revised terms.