BayoSys legal document
Addendum D - Stripe Payments Enforcement and Recovery
Payment enforcement, recovery, chargeback, dispute, and Stripe platform handling terms.
Addendum D — Stripe Payments Enforcement & Recovery Terms This Addendum supplements and forms part of the BayoSys Stripe Payment Terms, the BayoSys Terms & Conditions, the SaaS Agreement, and the Tenant Agreement. 24. Merchant-of-Record and Platform Role Clarification Unless expressly stated otherwise in a written agreement, configured checkout flow, or processor setup: the applicable Tenant is the seller of record for its own goods, services, bookings, memberships, subscriptions, events, and digital deliverables BayoSys acts as the software, infrastructure, checkout, routing, and payment-enablement layer BayoSys is not responsible for the Tenant’s fulfillment, product quality, appointment delivery, customer promises, service performance, licensing, or business conduct Where payment rails, compliance requirements, or checkout design result in BayoSys appearing in statements, receipts, processor records, or fee flows, that appearance does not by itself transfer responsibility for Tenant fulfillment obligations to BayoSys. 25. Reserve, Hold, Offset, and Recovery Rights To protect the Platform against losses, disputes, processor exposure, fraud, refunds, reversals, or other liabilities, BayoSys may, to the extent permitted by law and processor rules: delay transfers or platform-related disbursements place temporary holds on amounts otherwise payable offset amounts owed by a Tenant against future funds, payouts, credits, or balances associated with that Tenant recover unpaid fees, refunds, chargebacks, reversals, dispute fees, fines, or losses from future transaction amounts or other sums due to the Tenant These rights apply whether the underlying liability arises from: a customer refund a chargeback or dispute processor penalties or fees platform fee undercollection fraud or suspected fraud fulfillment failures misuse of the payment system 26. Cross-Balance Recovery If a Tenant owes money to BayoSys under any payment-related document, BayoSys may recover that amount from: pending payouts platform balances future fees or credits related transaction streams any amounts otherwise payable to the Tenant through the Platform If processor rules or system architecture do not allow automatic recovery, the Tenant remains directly liable for the unpaid amount. 27. Negative Balance Responsibility A Tenant is responsible for any negative balance caused by: refunds disputes chargebacks processor reversals failed collections fraud losses fee reversals account holds payout failures underfunded or unavailable connected accounts If a Tenant’s balance becomes negative, BayoSys may: invoice the Tenant directly debit future earnings where permitted suspend payment tools pause platform services require updated payment methods require prepayment or reserves before continued use 28. Recovery Authorization By using BayoSys payment infrastructure, each Tenant authorizes BayoSys, to the extent permitted by applicable law and processor capabilities, to: collect platform fees deduct or recover amounts owed to BayoSys apply offsets against future payout flows charge stored or authorized payment methods for outstanding platform-related obligations where such authorization has been obtained through checkout, billing, or account terms This authorization survives termination to the extent necessary to resolve outstanding financial obligations. 29. Refund Administration Rights BayoSys may, in its discretion, issue, force, facilitate, recommend, or coordinate refunds where reasonably necessary to: correct billing errors mitigate disputes address fraud risk comply with processor obligations protect the Platform from escalating losses respond to legal or regulatory concerns Where a refund relates to a Tenant transaction, the Tenant remains financially responsible for the refunded amount, related processor fees where applicable, and associated losses unless BayoSys expressly agrees otherwise in writing. 30. Dispute Cooperation Requirement Tenants must promptly cooperate with BayoSys and payment processors in connection with disputes, chargebacks, reviews, and fraud investigations. Required cooperation may include: proof of delivery or fulfillment invoices, receipts, or booking confirmations refund policy disclosures customer communications access logs, download logs, or gallery delivery evidence event records, waiver records, or attendance confirmations any other information reasonably needed to defend or evaluate a disputed transaction Failure to cooperate may result in: automatic concession of the dispute at the platform level chargeback liability assigned to the Tenant suspension or termination of payment access reserve requirements or account restrictions 31. Processor Compliance and Risk Actions BayoSys may take immediate payment-related action if required or reasonably suggested by: Stripe bank partners card networks fraud tools compliance providers legal or regulatory demands Such action may include: holding transactions pausing payouts restricting checkout requiring additional verification limiting certain products or payment methods suspending a Tenant account BayoSys is not liable for losses caused by processor- or network-driven compliance actions. 32. High-Risk Activity and Reclassification If BayoSys determines that a Tenant’s activity presents elevated risk, BayoSys may reclassify the Tenant as high-risk for internal platform purposes. Factors may include: excessive chargebacks misleading offers aggressive refund complaints unusual transaction patterns abnormal refund rates regulatory exposure restricted or sensitive categories poor fulfillment performance sudden spikes in volume If reclassified, BayoSys may require: additional review reserves delayed launches manual approval of transactions modified payment flows stronger refund disclosures reduced feature access 33. Subscription and Recurring Billing Enforcement For recurring charges, memberships, and warranty billing: the customer or Tenant is responsible for keeping payment methods current failed recurring charges may trigger retries where permitted access may be suspended after failed collection attempts recurring services may remain inactive until payment is restored Cancellation of a recurring service stops future billing only as provided in the applicable service terms and does not automatically waive already-incurred charges, unpaid balances, or recovery rights. 34. No Waiver of Fees or Losses If BayoSys elects not to enforce a payment right, fee, hold, reserve, deduction, or recovery action in one instance, that does not waive BayoSys’s right to do so later. Any leniency, accommodation, or temporary exception is discretionary and does not create an ongoing obligation. 35. Survival of Payment Obligations The following survive suspension, cancellation, or termination of a Tenant account: unpaid platform fees refund obligations dispute and chargeback liability negative balance responsibility recovery and offset rights indemnification related to payment activity obligations to cooperate in disputes or investigations 36. Effective Date This Addendum forms part of the BayoSys Stripe Payment Terms. Effective as of: April 1st 2026