QNBpay General Terms, Membership, and Conditions of Use

1. Service Description

QNBpay Payment Services Inc. provides member merchants with a variety of payment solutions via Virtual POS, Physical POS, Mobile Application, and Web Panel. All services are designed to offer a convenient, secure, and fast payment infrastructure.

2. General Provisions

The content on www.qnbpay.com.tr is for informational purposes only and should not be interpreted as an offer to sell or purchase.
Product allocation is assessed on an individual basis for each user; the final decision rests with QNBpay.
Website content and services may be updated without prior notice. Users are advised to check regularly for the most current information.

3. Membership and Account Usage

Login is available only to users who have signed a user agreement with QNBpay, completed registration in full, and received QNBpay’s approval.
Merchants must provide accurate and up-to-date information during registration.
QNBpay reserves the right to verify submitted information and documents.
Any changes must be reported immediately. If new circumstances fail to meet QNBpay's standards, services may be suspended or terminated.
Accounts are exclusive to the applicant and may not be shared or transferred.
Incomplete or misleading information may result in rejection or cancellation of membership.
QNBpay reserves the right to suspend or terminate accounts for risk or security reasons.

4. Terms of Service Use

QNBpay services are provided in accordance with rules defined by QNBpay and its partners.
Merchants agree to use services within legal and ethical boundaries.
Fraudulent, illegal, or misleading use is strictly prohibited. Violations may result in service suspension and notification to legal authorities.

5. Merchant Responsibilities

Websites and servers must be secured with appropriate software.
Required logos and information must be accurately presented on payment pages.
The QNBpay logo may not be used without permission; approved placements must be updated promptly.
Product descriptions, return policies, contact, and trade registry information must be clearly provided.
Explicit consent must be obtained from end-users for each transaction.
Merchants must avoid misuse of the payment infrastructure or misleading practices.

6. Prohibited Content and Products

The sale of illegal products or services is strictly prohibited.
Upon detection, relevant payments will be rejected and QNBpay services terminated.
Legal authorities may be notified as required.
High-risk industries may undergo special evaluation; QNBpay reserves the right to reject such applications.

7. Card Information Security

Customer card data is stored only in accordance with PCI DSS standards by QNBpay.
Use or sharing of this data beyond its intended purpose is strictly prohibited.
All systems with access to card data undergo necessary security audits.
Storing card data outside QNBpay’s infrastructure is explicitly forbidden.

8. Pricing and Payments

Service pricing is determined by user agreements and campaign terms.
All pricing details are transparently communicated to users.
QNBpay reserves the right to make changes to fees.

9. Service Availability, Interruptions, and Support

Services are available 24/7 via the QNBpay web panel and mobile app.
Customer support hours: Weekdays: 08:30–22:00 Saturday: 08:30–20:00 Sunday: 08:30–18:30
Except for planned maintenance, uninterrupted service is intended.
Planned updates are announced in advance; emergency or technical disruptions may occur without prior notice, but users will be informed as soon as possible.
QNBpay is not liable for indirect damages due to system delays but provides technical support.

10. Account Closure and Service Termination

QNBpay reserves the right to terminate accounts for security and risk reasons.
Merchants may leave the service at any time; their account will be closed and any existing transactions finalized.

11. Amendments and Updates

QNBpay reserves the right to change service terms and conditions.
Updates are communicated to users and published on the official website.

12. Contact

For all inquiries, suggestions, or support requests:
QNBpay Support Line: +90 212 319 23 70
Email: destek@qnbpay.com.tr