Refund and Onboarding Terms
Effective Date: 03-11-2025
Smart Commerce Pro (SMC-Private) Limited offers a secure and streamlined onboarding process for merchants integrating our payment gateway and API services. The terms below outline eligibility, documentation, integration, and operational compliance requirements.
1. Eligibility Criteria
To qualify for onboarding with Smart Commerce Pro, merchants must:
Be a registered business with SECP or possess valid sole proprietorship documentation.
Hold a valid CNIC of the authorized signatory.
Maintain a bank account titled in the business name.
Offer legal goods or services in accordance with Pakistani law.
Not operate in restricted sectors such as gambling, narcotics, unregulated forex, or adult content.
2. Required Documentation
Merchants are required to submit the following documents during the onboarding process:
SECP registration certificate or valid business proof.
CNIC of the director or business owner.
Bank account maintenance certificate (same-title).
Official letterhead for communication.
Utility bill or tenancy agreement (for address verification).
Sample product/service listing or website URL.
Note: Smart Commerce Pro may request additional documentation depending on the business model or risk category.
3. Technical Integration Guidelines
API credentials, sandbox keys, and documentation will be shared upon approval.
Integration must follow Smart Commerce Pro’s token and webhook standards.
API keys must be stored securely; unauthorized sharing may lead to account suspension.
Integration is expected to be completed within 14 days, unless otherwise approved.
4. Operational Responsibilities
Merchants are responsible for managing their own customer service, deliveries, and refund policies.
Merchant policies must align with Smart Commerce Pro’s platform standards.
We reserve the right to audit merchant activities for quality and compliance.
Standard settlement terms (e.g., T+1 working day) will be agreed upon during onboarding.
5. Suspension and Termination
Merchant access to the platform may be suspended or terminated under the following conditions:
Evidence of fraud, illegal activity, or misuse of the platform.
High dispute or chargeback ratios.
Failure to maintain updated documentation.
Breach of integration or operational terms.
Regulatory or legal directives requiring suspension.
Contact Information
For support regarding onboarding or refunds, please contact:
Phone: 0322 5712905
Address: Shop No. 10, HS Flat, Gulberg No. 01, Saddar, Peshawar Cantt, Pakistan.
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