• You maintain a Web site(s), containing complete marketing, advertising, and product information.
• Customers will place the orders themselves through your web site and CCePay.com. Suppliers agree not to place orders on behalf of customers as part of normal business operations.
• Your product or service meets our product/service requirements.

Suppliers without a Indian Bank account can have their payments option via international wire payment. Fees for an international wire start at Rs.1550/- $35 and go down Rs.250/-$6 per transfer. Each accounting period is 15 days in length. A new period begins the 1st and 16th day of each month.

All transactions that occur within this period will be processed and payments will be dispersed as follows:

• Payment for orders shipped between the 1st and the 15th of the month will be dispersed on or about the 16th of that month.
• Payment for orders shipped between the 16th and the end of the month will be dispersed on or about the 1st of the following month.
  

If your sales are over Rs.50, 000/- ($1,000) a week, weekly disbursements are possible. Weekly disbursements are reviewed on a case by case basis.

Example of criteria that may influence your approval for weekly payments:

• Transactions on your account occurring for 8 weeks with little or no buyer complaints, or charge back problems,
• Your sales greatly exceed Rs.50, 000/- a week,
• You can provide sales contracts or other documentation proving the legitimacy of your orders,
• You can provide suitable business references or other documentation establishing a concrete business history.

Account Verification:
All new accounts will be subjected to our account verification processes. While this process is usually seamless, difficulty in verifying the legitimacy and status of your account can result in the delay of your initial payments.

If your account has not been cleared for release of payment within three (3) days of the close of a payment period (1st and 16th of each calendar month) you will receive a notification via email of the delay in payment.

Important Note:
Suppliers selling tangible goods should not expect payment until CCePay can confirm receipt of goods shipped and received as per the terms advertised on the supplier's website or auction. Delaying shipment until you receive funds is not considered an acceptable business practice.

Suppliers selling intangible goods such as service related products (e-downloads, hosting, etc.) should not expect payment until CCePay can confirm that your services have been rendered.

Suppliers who establish a new account within five (5) days of a payment cycle release date will not receive a disbursement of funds until the next payment period ends (approximately two (2) weeks).

All Payments are subject to Reserve Funds stipulated below.

For all new accounts the reserve begins at 5% of the total amount charged and not refunded within the payment period. The reserve amount is held for 180 days and then released.

Reserve Example (5% Reserve Level, 180 day hold):

June 1st payment cycle

Rs.120 in sales
Rs. 20 in refunds from sales in this payment period
Rs. 10 in refunds from sales in a previous payment period

The reserve held would be Rs.5 or ( (Rs.120 – Rs.20) * 5% ).

• Transaction, refund and chargeback history with CCePay,
• Transaction, refund and chargeback history with a merchant account provider ( statements required ),
• Suitable business references or other documentation establishing a concrete business history,
• The nature of the product being sold,
• The time required until product fulfillment ( i.e. a one year membership ).

An exception to this policy can be made under emergency situations. This exception must have prior approval from CCePay.com management, and is issued on a 'this time only, per order' basis.

In most situations when a customer asks for a refund, we believe that it is good business to grant that refund. Here are some guidelines on our refund and dispute policies:

• If a customer is dissatisfied with a product that he/she has ordered, the supplier should accept the product back and grant a refund. If desired, a supplier may specify that shipping charges are not refundable; however we would prefer to refund the shipping charges as well.
• If a customer claims that a product was never received, we will grant a refund unless the supplier can show proof of delivery. If you are shipping expensive items (or if the customer is returning expensive items), please be sure to use a shipping method that provides proof of delivery.

• If you are shipping expensive items, use a package service that provides proof of delivery. There will always be some customers out there who falsely claim that a package was not received (and occasionally there will be packages that truly are lost or stolen). Since you bear the responsibility for those losses, you should take care not to put large amounts of money at risk.
  Hint: The Indian & US Post Office provides insurance on packages for a small fee that has the side effect of causing the receiver of the package to sign and indicate that the parcel arrived undamaged.
• Be accessible if customers can reach you to have their questions answered about products they are less likely to be dissatisfied when the order arrives.
• Be sure that customers are completely familiar with your offering before they order. Thoroughly describe your offering, show photos, and disclosing any important limitations. Ensuring the customer's expectations match what arrives in the mail will save you and the customer time, money and aggravation.

• CONFIRMED — The order has passed the review and will be allowed to process. Email is sent to vendor only.
• FAIL — The order has been canceled due to fraud. Email is sent to vendor only.
• QUESTIONABLE — The order has not been canceled, but has additional concerns, vendor is advised to do own investigation and cancel if necessary. Email is sent to vendor only.
• CHALLENGE — The order has been temporarily canceled (generally due to high dollar amount and unable to voice verify). Cancellation can be reversed. Email sent to vendor and buyer.

According to credit card association rules, Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet.

The amount of credit card fraud you experience will vary according to the type of products you sell. Products which appeal to children, teenagers, and unmarried men will experience a higher degree of credit card fraud. Products which are purchased primarily by professionals, women, and families will experience a lower amount of fraud.

When an issuing bank sends a chargeback dispute, the bank also charges a research fee. This fee can range from Rs.500/- $10 to Rs.1500/- $30 depending on the bank. CCePay reserves the right to pass the bank's charge back fee on to Merchant involved.

Non-sufficient Funds — $6
Bad check (bad account number, account does not match buyers info, etc.) — $6