Legal documents

FivePay Platform Terms of Service

Last updated: 15 August 2026

§1 Definitions

  1. 1.Operator – Para-Deux Spółka z ograniczoną odpowiedzialnością, a Polish limited liability company with its registered office in Kraków, ul. Kielecka 29B, 31-523 Kraków, Poland, NIP: 5242922591, KRS: 0000913217, hereinafter referred to as the "Operator".
  2. 2.Platform – the website available at fivepay.pl and the related IT system enabling the purchase of Digital Vouchers and their redemption on game servers.
  3. 3.Partner – a natural person, legal person or organisational entity that has registered an account on the Platform and makes digital content, descriptions of Virtual Products or game-server infrastructure available to the Operator for the purpose of enabling the Operator to sell Digital Vouchers through the Platform. The Partner is not a party to the sales contract concluded with the Buyer.
  4. 4.Buyer – a natural person purchasing a Digital Voucher through the Platform.
  5. 5.Digital Voucher – a digital confirmation of a purchase made from the Operator which entitles the Buyer to receive a specified Virtual Product on a specified game server. A Digital Voucher does not constitute electronic money, a payment instrument, a payment account, an electronic wallet or a means of payment.
  6. 6.Virtual Product – digital content, a digital benefit or other virtual functionality in a game, including in particular a rank, permission, virtual item, access right or another functionality delivered or activated following the purchase of a Digital Voucher.
  7. 7.Settlement Ledger – a technical ledger maintained by the Operator for the Partner solely for the purpose of displaying settlement information and the Partner's share in the Operator's revenue.
  8. 8.Net Sales Value – the gross price paid by the Buyer for a Digital Voucher, reduced by applicable indirect taxes, including VAT, where such taxes are due under applicable law.
  9. 9.Settlement Base – the Net Sales Value reduced by payment-operator fees and other direct costs attributable to the relevant transaction.
  10. 10.KYC – a procedure for verifying the identity of a Partner, carried out by the Operator directly or through an external identity-verification provider.
  11. 11.Applicable Consumer Law – mandatory consumer-protection provisions applicable to the Buyer which cannot validly be excluded or restricted by contract.

§2 General Provisions

  1. 1.These Terms govern the use of the Platform by Buyers and Partners.
  2. 2.The Operator is the exclusive seller of Digital Vouchers vis-à-vis Buyers and acts as the Merchant of Record. The Operator sells Digital Vouchers in its own name and for its own account.
  3. 3.The Partner is not a party to the sales contract concluded between the Operator and the Buyer and does not receive payments directly from Buyers in connection with sales conducted through the Platform.
  4. 4.The Partner makes digital content, descriptions of Virtual Products and the technical infrastructure of its game server available to the Operator for the purpose of sales carried out by the Operator.
  5. 5.Use of the Platform and acceptance of these Terms, where required, constitutes acceptance of the rights and obligations set out herein.
  6. 6.Users are required to read these Terms before using the relevant functionality of the Platform.
  7. 7.The Platform may operate in selected European countries. Availability of particular payment methods, currencies, products and Platform functionalities may differ depending on the country.
  8. 8.Nothing in these Terms excludes or restricts rights which cannot lawfully be excluded under applicable law, including mandatory consumer-protection law.

§3 Partner Registration and Conclusion of the Agreement

  1. 1.To use the Platform as a Partner, a user must register a Partner account, complete the required registration form and actively accept these Terms.
  2. 2.By selecting the acceptance checkbox and submitting the registration form, the Partner concludes an agreement with the Operator electronically under the conditions set out in these Terms.
  3. 3.The acceptance checkbox is not selected by default. Registration cannot be completed without acceptance of these Terms.
  4. 4.Only persons who have reached the age of 18 years may register as natural-person Partners. By registering a Partner account, the user confirms that they have reached the age of 18 and have the legal capacity required to enter into the agreement.
  5. 5.The Operator records the date and time of acceptance of these Terms by the Partner.
  6. 6.Following registration, the Operator sends confirmation of the conclusion of the agreement to the email address provided by the Partner together with the Terms or a durable means of accessing their content.
  7. 7.The Operator may refuse or restrict registration where this is necessary due to legal requirements, sanctions, tax requirements, payment-provider requirements, security reasons, fraud prevention or inability to verify the Partner.

§4 Digital Voucher Model

  1. 1.The Operator sells Digital Vouchers which entitle the Buyer to receive a specified Virtual Product on a selected game server.
  2. 2.Each Digital Voucher has a specified price and is linked to a specified Virtual Product.
  3. 3.Before making a purchase, the Buyer is informed of the main characteristics and content of the Digital Voucher and Virtual Product.
  4. 4.The Digital Voucher is redeemed automatically without undue delay following confirmation of payment through a script or technical integration operating on the relevant game server.
  5. 5.Prices may be displayed in EUR, PLN or another currency supported by the Platform.
  6. 6.The currency and total price payable by the Buyer are displayed before the order is placed.
  7. 7.Prices displayed to consumers are gross prices and include applicable VAT or other mandatory indirect taxes where required by law.
  8. 8.The VAT rate and place of taxation may depend on the Buyer's location and the legal and tax classification of the relevant transaction.
  9. 9.The Operator is responsible for applying the tax treatment required by applicable law.

§5 Prohibited Conduct by Partners

  1. 1.The Partner shall make available to the Operator only Virtual Products that comply with these Terms and applicable law.
  2. 2.It is prohibited to make available Products of a random nature, including loot boxes, mystery boxes, drawings, lotteries or any other mechanism where the Buyer does not know the exact content of the purchase in advance.
  3. 3.It is prohibited to make available Products which are unlawful, infringe third-party rights, intellectual-property rights or copyright.
  4. 4.It is prohibited to make available Products which may mislead Buyers as to their nature, characteristics, functionality or value.
  5. 5.The Partner may not provide Buyers with separate store terms governing payments, refunds, complaints or consumer rights in relation to purchases made from the Operator.
  6. 6.The Partner may maintain separate game-server rules. Such rules may regulate gameplay, conduct of players, bans, kicks, sanctions and other matters connected with operation of the game server, but may not override these Terms or mandatory rights arising from a purchase made from the Operator.
  7. 7.A Partner with an active FivePay store may not accept payments from Buyers or sell Virtual Products offered through its FivePay store outside the Platform.
  8. 8.The prohibition referred to in paragraph 7 includes in particular private payments, direct bank transfers, instant-payment methods, Discord payments, direct messages, other online stores and other sales platforms.
  9. 9.The restriction referred to in paragraphs 7 and 8 applies only to Virtual Products offered by the Partner through its FivePay store and does not restrict the Partner's unrelated activities.
  10. 10.The Partner represents that they have all rights, permissions, licences and authorisations necessary to make the relevant Virtual Products, content, descriptions and server infrastructure available to the Operator.
  11. 11.Violation of this section may result in suspension or blocking of the Partner account, suspension of new sales or termination of cooperation.

§6 Settlements with Partners

  1. 1.The Partner is entitled to a share of the Operator's revenue generated by sales of Digital Vouchers assigned to that Partner, calculated in accordance with the settlement plan applicable to the Partner.
  2. 2.The Partner's share is calculated on the Settlement Base, and not on the gross amount paid by the Buyer.
  3. 3.Applicable indirect taxes, including VAT, are deducted from the gross amount paid by the Buyer before the Partner's share is calculated where required under applicable law.
  4. 4.Payment-operator fees and other direct transaction costs are deducted when determining the Settlement Base.
  5. 5.Under the standard settlement plan, the Operator's remuneration amounts to 10% of the Settlement Base, unless an individual settlement plan has been assigned to the Partner.
  6. 6.The Operator's remuneration is therefore calculated on the amount remaining after deduction of applicable indirect taxes and direct payment-processing costs.
  7. 7.The Operator may offer individual settlement plans to selected Partners.
  8. 8.The Partner's current settlement plan is displayed in the Partner panel.
  9. 9.The Partner's share is calculated according to the following formula: Partner Share = (Gross Digital Voucher Price − applicable indirect taxes − payment-operator fees) − Operator Remuneration − other adjustments permitted under these Terms.
  10. 10.Where no VAT or other relevant indirect tax is due, the relevant tax deduction is not applied.
  11. 11.Amounts displayed in the Partner panel are settlement and accounting information only.
  12. 12.Amounts displayed in the Partner panel do not constitute money belonging to the Partner which is stored, deposited or held by the Operator.
  13. 13.Settlements with Partners are processed automatically and periodically once per week, according to the Operator's settlement schedule.
  14. 14.The minimum settlement amount is EUR 25.
  15. 15.Where the Partner's settlement currency is different from EUR, the Operator may apply the equivalent of EUR 25 in the relevant settlement currency.
  16. 16.If the Partner's share does not reach the minimum settlement amount during a particular settlement period, it is carried forward to the next settlement period.
  17. 17.If the minimum settlement threshold has not been reached for a period of 12 months following the last transaction, the Operator may perform a final settlement regardless of the amount, provided that the Partner has supplied all information and documentation required for lawful settlement.
  18. 18.Before the first settlement, the Partner must provide information required for identification, tax compliance and settlement, including where applicable: a) full name or legal/business name, b) PESEL, NIP, TIN, VAT identification number or another applicable tax identifier, c) residential address or registered-office address, d) country of residence, e) country or countries of tax residence, f) IBAN or other supported bank-account number, g) name of the bank-account holder, h) legal form or business status, where applicable, i) additional tax information or a tax-residence certificate where required under applicable law or a tax treaty.
  19. 19.The Operator may suspend settlement until incomplete, incorrect or inconsistent information has been supplemented, corrected or verified.
  20. 20.The Partner confirms that all information provided for settlement, taxation and KYC purposes is true, complete and current.
  21. 21.A Partner who is a natural person must successfully complete KYC before the first settlement.
  22. 22.KYC is also required before a final settlement where the Partner has not previously completed the required verification.
  23. 23.The Operator may require renewed KYC or additional verification, particularly in the event of: a) a change of identifying information, b) a change of tax residence, c) a change of bank account, d) inconsistencies in provided information, e) reasonable suspicion of fraud or abuse, f) suspected use of another person's identity.
  24. 24.KYC may be carried out through an external verification provider acting on behalf of or in cooperation with the Operator.
  25. 25.Before beginning KYC, the Partner receives information about the scope and purpose of verification and the applicable data-protection rules.
  26. 26.The Partner must provide true, complete and current information and complete the actions required to verify identity.
  27. 27.Failure to complete KYC, a negative or inconclusive verification result, inconsistencies in data, use of another person's data or a reasonable doubt as to the authenticity of the information may result in settlement being suspended until the matter is resolved.
  28. 28.In the event of an inconclusive or negative KYC result, the Partner may contact the Operator for additional or manual verification where available.
  29. 29.Providing false data, using another person's identity, attempting to circumvent KYC or refusing reasonable verification may result in blocking or suspension of the Partner account.
  30. 30.The Operator is responsible for accounting for VAT and other indirect taxes relating to sales made by the Operator to Buyers to the extent required by applicable law.
  31. 31.The Partner is responsible for taxes due on the Partner's income or remuneration unless applicable law imposes withholding, reporting or other tax obligations on the Operator.
  32. 32.Where required by applicable law or an international tax treaty, the Operator may: a) request additional tax information, b) request a certificate of tax residence, c) withhold tax, d) report payments to the competent authorities, e) issue tax information or other tax documents required by law.
  33. 33.The Operator may suspend a settlement for up to 30 days in the event of reasonable suspicion of fraud, abuse, chargeback, use of a stolen payment instrument, unauthorised payment, breach of these Terms or violation of applicable law.
  34. 34.A settlement may remain suspended for a longer period where this is required by law, a competent authority, a payment provider or an unresolved identification, KYC or tax-verification procedure.
  35. 35.The maximum value of an unsettled Partner share displayed in the Settlement Ledger is the equivalent of PLN 8,000.
  36. 36.Once this amount is exceeded, the Operator may temporarily suspend further sales assigned to that Partner until settlement has been completed.
  37. 37.Where the transaction currency differs from the Partner's settlement currency, currency conversion may be performed by the Operator, payment provider, bank or other financial institution involved in settlement.

§7 Orders and Payments by Buyers

  1. 1.The Buyer selects a Digital Voucher on the page of the selected game server or in a store provided by the Operator and proceeds to payment.
  2. 2.Electronic payments available through SimPay are processed using the SimPay payment system.
  3. 3.In the event of problems concerning the processing of an electronic payment by SimPay, the Buyer may contact SimPay through its contact page at: https://simpay.pl/kontakt.
  4. 4.Available payment methods may vary depending on the Buyer's country, transaction currency and other payment-provider requirements.
  5. 5.Before the Buyer is bound by an order, the Platform displays in a clear and understandable manner the information required by applicable law, including in particular: a) the main characteristics of the Digital Voucher and Virtual Product, b) the total price including applicable taxes, c) the accepted payment method, d) relevant delivery or availability restrictions, if any.
  6. 6.Immediately before submitting an order, the Buyer expressly confirms that the order entails an obligation to pay.
  7. 7.Where the order is submitted using a button or comparable function, the wording clearly indicates that submitting the order creates an obligation to pay and is adapted where necessary to mandatory local-law requirements.
  8. 8.Before finalising the purchase, the Buyer: a) confirms that they have read and accepted these Terms, b) expressly requests or consents to immediate delivery or activation of the digital content where required by law, c) acknowledges the consequences of immediate performance for any statutory right of withdrawal.
  9. 9.The sales contract between the Buyer and the Operator is concluded upon successful confirmation of payment, unless mandatory law provides otherwise.
  10. 10.The Digital Voucher is redeemed automatically without undue delay after successful payment confirmation.
  11. 11.The Operator provides the Buyer with electronic confirmation of the transaction and any other confirmation required under applicable law.

§8 Consumer Right of Withdrawal

  1. 1.A Buyer who is a consumer may have a statutory right to withdraw from a distance contract.
  2. 2.Where European Union or European Economic Area consumer law applies, the statutory withdrawal period is generally 14 days, subject to applicable statutory conditions and exceptions.
  3. 3.Digital Vouchers and Virtual Products sold through FivePay are intended to be delivered or activated immediately after successful payment.
  4. 4.Where permitted under applicable law, the Buyer may lose the statutory right of withdrawal in relation to digital content not supplied on a tangible medium once performance has begun, provided that before performance begins the Buyer: a) gives prior express consent to beginning performance before expiry of the withdrawal period, b) acknowledges that beginning performance results in the loss of the right of withdrawal where provided by law, and c) receives the confirmation required under applicable law.
  5. 5.If all statutory conditions for loss of the withdrawal right have not been met, the Buyer retains the rights granted by applicable law.
  6. 6.Loss of the right of withdrawal does not remove statutory rights relating to non-delivery, defective performance or lack of conformity of the Digital Voucher or Virtual Product.
  7. 7.Nothing in this section restricts more favourable mandatory rights granted to the Buyer by Applicable Consumer Law.

§9 Complaints and Lack of Conformity

  1. 1.The Buyer may submit a complaint where: a) the Virtual Product was not delivered following successful payment, b) the Digital Voucher cannot be correctly redeemed, c) the Digital Voucher or Virtual Product does not conform to the sales contract.
  2. 2.Complaints may be submitted by email to: kontakt@fivepay.pl.
  3. 3.A complaint should, where possible, contain: a) the Buyer's email address, b) the order number, c) a description of the issue.
  4. 4.Failure to provide some of the above information does not remove any statutory right to submit a complaint.
  5. 5.The Operator responds to complaints within 14 days of receipt, unless mandatory law requires a shorter period.
  6. 6.Where required under applicable consumer law, the Buyer may be entitled to: a) have the digital content or service brought into conformity, b) receive an appropriate price reduction, c) terminate the contract, d) receive a refund.
  7. 7.Any statutory refund is made within the time and using the method required by applicable law.
  8. 8.Rights under this section are in addition to any mandatory consumer rights applicable to the Buyer.

§10 Personal Data and KYC

  1. 1.The controller of personal data processed directly by the Operator is: Para-Deux Spółka z ograniczoną odpowiedzialnością, ul. Kielecka 29B, 31-523 Kraków, Poland, NIP: 5242922591.
  2. 2.Personal data may be processed for purposes including: a) conclusion and performance of agreements, b) account administration, c) processing orders and payments, d) handling complaints, e) settlements with Partners, f) compliance with tax and accounting obligations, g) KYC and verification of Partner information, h) fraud and abuse prevention, i) Platform security, j) enforcement of these Terms.
  3. 3.Personal data may be disclosed where necessary and lawful to entities including: a) payment providers, b) banks and financial institutions, c) KYC and identity-verification providers, d) accounting and technical service providers, e) tax authorities, f) courts and law-enforcement authorities, g) other competent public authorities.
  4. 4.Buyers provide data necessary to process the purchase and provide the Digital Voucher.
  5. 5.Partners may be required to provide additional identifying, tax and settlement information.
  6. 6.KYC may include, depending on the procedure: a) identity-document information, b) an image of an identity document, c) an image of the Partner, d) a selfie, e) a liveness check, f) other information reasonably necessary to verify identity.
  7. 7.Detailed information concerning processing of personal data, legal bases, data recipients, retention periods, international transfers, KYC providers and data-subject rights is provided in the Platform's Privacy Policy and, where applicable, a separate KYC privacy notice.
  8. 8.Where the GDPR applies, data subjects have the rights granted to them by the GDPR, subject to applicable conditions and exceptions.
  9. 9.A data subject may lodge a complaint with the competent data-protection supervisory authority.

§11 Liability, Game Server Sanctions and Bans

  1. 1.The Operator is responsible towards the Buyer for obligations imposed on the Operator as the seller of the Digital Voucher under applicable law.
  2. 2.The Partner is responsible towards the Operator for maintaining the game-server infrastructure necessary to provide the Virtual Product and for ensuring that descriptions and information supplied to the Operator are accurate.
  3. 3.Subject to mandatory consumer law, the Operator shall not be liable, and the Buyer shall not be entitled to a refund or compensation solely because the Buyer loses access to a Virtual Product as a result of a ban, kick, suspension, account restriction, server exclusion or other sanction imposed by the Partner or the administration of the relevant game server due to the Buyer's violation of the applicable game-server rules.
  4. 4.Paragraph 3 applies where the relevant sanction was imposed in accordance with the applicable game-server rules and was not imposed for the purpose of unlawfully depriving the Buyer of statutory consumer rights.
  5. 5.In particular, where the Buyer has received and used the purchased Virtual Product and subsequently receives a sanction for violating game-server rules, the imposition of that sanction does not by itself constitute non-delivery or lack of conformity of the original purchase and does not by itself create a right to a refund.
  6. 6.The Operator is not responsible for gameplay sanctions, moderation decisions or administrative decisions of the Partner which do not arise from the sales contract between the Operator and the Buyer, except to the extent mandatory law provides otherwise.
  7. 7.The Operator may require the Partner to provide evidence concerning the reason for a ban or other sanction where a Buyer submits a complaint connected with loss of access to a Virtual Product.
  8. 8.Server resets, technical failures, discontinuation of a server or other circumstances attributable to the Partner do not exclude statutory rights which the Buyer may have against the Operator under mandatory consumer law.
  9. 9.The Partner is responsible towards the Operator for: a) the legality of Virtual Products and content supplied by the Partner, b) accuracy of Product descriptions, c) having the necessary intellectual-property rights and licences, d) proper operation of the Partner's technical integration, e) compliance of the Partner's conduct with these Terms.
  10. 10.Nothing in these Terms excludes or limits liability which cannot lawfully be excluded or limited.

§12 Suspension, Blocking and Termination of Partner Accounts

  1. 1.A Partner may request deletion of their Partner account at any time by contacting: kontakt@fivepay.pl.
  2. 2.The Operator may suspend, block or delete a Partner account, suspend new sales or terminate cooperation where the Partner: a) violates these Terms, b) provides false information, c) fails to complete required KYC, d) uses another person's data, e) is reasonably suspected of unlawful activity, f) is reasonably suspected of fraud or abuse, g) acts to the detriment of Buyers, the Operator or a payment provider, h) violates the prohibition on selling FivePay Virtual Products outside the Platform, i) is subject to a legal, regulatory, sanctions or payment-provider restriction preventing continued cooperation.
  3. 3.In the event of suspension or blocking, the Partner's share is settled after the matter has been clarified, identifying information has been verified and any required KYC or tax verification has been completed.
  4. 4.Refunds, complaints, chargebacks, taxes, payment-provider costs and other adjustments permitted under these Terms may be taken into account in the final settlement.
  5. 5.Deletion, suspension or termination of the account does not by itself cause a lawfully accrued Partner share to be forfeited.
  6. 6.The Operator may retain information following account closure where required for tax, accounting, legal, fraud-prevention, dispute-resolution or evidentiary purposes.

§13 Amendments to the Terms

  1. 1.The Operator may amend these Terms where reasonably justified, including as a result of: a) changes in applicable law, b) changes in tax requirements, c) changes in payment-provider requirements, d) changes to Platform functionality, e) security requirements, f) organisational or economic reasons.
  2. 2.Existing Partners shall be informed by email of material amendments at least 14 days before they enter into force.
  3. 3.The 14-day period does not apply where an earlier amendment is required by mandatory law, a competent authority or is necessary for the security of the Platform, Buyers, Partners or the payment system.
  4. 4.A Partner who does not accept an amendment may terminate the agreement and request closure of their account before the amendment enters into force.
  5. 5.Amendments do not retroactively alter completed Buyer transactions unless required by mandatory law.
  6. 6.A change to the standard settlement plan applicable to existing Partners constitutes a material amendment and is subject to the notice rules contained in this section.

§14 Governing Law and Jurisdiction

  1. 1.These Terms and agreements concluded through the Platform are governed by Polish law, subject to mandatory provisions of applicable European Union law, private international law and the provisions below.
  2. 2.Where the Buyer is a consumer and the Operator directs its commercial activities to the country of the Buyer's habitual residence, the choice of Polish law does not deprive the Buyer of the protection granted by mandatory provisions which would apply in the absence of that choice.
  3. 3.Disputes between the Operator and a Partner shall, to the extent legally permitted, be submitted to the court competent for the Operator's registered office.
  4. 4.Where mandatory jurisdiction rules provide otherwise, those rules apply.
  5. 5.Consumer disputes may be brought before courts competent under applicable national and European Union law.
  6. 6.Nothing in these Terms restricts mandatory rights of consumers concerning access to courts or dispute-resolution procedures.
  7. 7.Where applicable law requires the Operator to provide information concerning an alternative consumer dispute-resolution body, such information shall be made available to the Buyer.
  8. 8.These Terms may be made available in different language versions.
  9. 9.For international use of the Platform, the English version is the reference version to the extent permitted by applicable law, without prejudice to mandatory local-language requirements and mandatory consumer rights.

§15 Inactive Partner Accounts

  1. 1.A Partner account which has not recorded any transaction for 12 consecutive months may be considered inactive.
  2. 2.The Operator informs the Partner of planned closure of an inactive account by email at least 14 days in advance.
  3. 3.Before closing the account, the Operator may perform a final settlement regardless of the EUR 25 minimum settlement threshold, provided that the Partner has supplied all information and documentation required for lawful settlement and completed required KYC.
  4. 4.If the Partner has not supplied required settlement, tax or KYC information, the Operator may suspend the final settlement until the requirements are satisfied.
  5. 5.A lawfully accrued Partner share does not expire merely because the account becomes inactive.
  6. 6.Following final settlement, the Operator may close or delete the Partner account subject to legally required data-retention periods.

§16 Chargebacks and Disputed Payments

  1. 1.Where a Buyer initiates a chargeback, payment reversal or other payment dispute through a bank or payment provider, the Operator may: a) suspend or remove access to the relevant Virtual Product where legally and technically possible, b) take the chargeback, refund and related fees into account in the settlement with the Partner.
  2. 2.The Partner agrees that chargebacks, refunds, complaint-related refunds and payment-provider charges attributable to sales associated with the Partner may be deducted from the Partner's current or future share where permitted by applicable law.
  3. 3.In the event of an unjustified or fraudulent chargeback, the Operator may contest the chargeback and pursue any available legal claims.
  4. 4.Nothing in this section restricts statutory consumer rights or lawful rights relating to unauthorised payment transactions.

§17 Multiple Partner Accounts

  1. 1.Each Partner may hold only one Partner account on the Platform.
  2. 2.Creating multiple Partner accounts by the same person is prohibited.
  3. 3.Creating or using multiple accounts to circumvent KYC, settlement limits, tax verification, sanctions or other Platform requirements may result in blocking of all associated accounts.
  4. 4.Settlements may be suspended until the matter is clarified.
  5. 5.The Operator may perform KYC or additional identity verification in order to detect duplicate accounts, abuse or violations of these Terms.

§18 Settlement Ledger

  1. 1.The Platform maintains a technical settlement ledger for each Partner, referred to as the Settlement Ledger.
  2. 2.The Settlement Ledger serves solely to display estimated or accrued information concerning the Partner's share in the Operator's revenue.
  3. 3.The Settlement Ledger is not: a) a bank account, b) a payment account, c) a payment instrument, d) an electronic wallet, e) a deposit, f) a mechanism for storing funds belonging to the Partner.
  4. 4.Amounts displayed in the Settlement Ledger do not constitute funds entrusted to the Operator by the Partner.
  5. 5.Until a settlement claim becomes due under these Terms, the Partner has only a contractual entitlement to receive a Partner share subject to the conditions set out herein.
  6. 6.Funds located in bank accounts belonging to the Operator remain funds of the Operator until settlement with the Partner is made in accordance with these Terms.
  7. 7.The Settlement Ledger cannot be used to: a) make payments, b) make transfers, c) transfer value between users, d) settle obligations between Platform users, e) purchase products or services.
  8. 8.Amounts displayed in the Settlement Ledger reflect the Partner's share after taking into account applicable taxes, payment-provider fees, Operator remuneration, refunds, complaints, chargebacks and other adjustments permitted under these Terms.

§19 Partner Share in the Operator's Revenue

  1. 1.The Partner makes digital content, descriptions of Virtual Products and technical game-server infrastructure available to the Operator so that the Operator may conduct sales of Digital Vouchers through the Platform.
  2. 2.The Operator independently sells Digital Vouchers to Buyers in its own name and for its own account.
  3. 3.The Partner is not a party to the sales contract between the Operator and the Buyer.
  4. 4.In return for cooperation, the Partner is entitled to a share of the Operator's revenue from sales of Digital Vouchers associated with that Partner.
  5. 5.The Partner's share is calculated in accordance with the settlement plan applicable to the Partner.
  6. 6.The Partner's share is recorded in the Settlement Ledger after taking into account applicable: a) indirect taxes, b) payment-provider costs, c) Operator remuneration, d) refunds, e) complaints, f) chargebacks, g) other adjustments permitted under these Terms.
  7. 7.Amounts displayed in the Settlement Ledger do not constitute confirmation of an unconditional and final right to settlement until relevant payment processing, verification, tax requirements, complaints, chargebacks and other adjustments have been completed.
  8. 8.A settlement claim becomes due only after the conditions contained in these Terms have been satisfied, including: a) reaching the applicable EUR 25 minimum settlement threshold, b) completion of the relevant settlement period, c) verification of Partner information, d) provision of required tax information, e) successful completion of KYC where required.

§20 Restrictions of the Settlement Ledger

  1. 1.The Settlement Ledger is technical, informational and accounting in nature only.
  2. 2.The Partner may not use the Settlement Ledger to make payments, bank transfers, transfers to other users, internal settlements or purchases of products or services.
  3. 3.The Partner may not transfer, assign or convey all or part of any value displayed in the Settlement Ledger to another person or entity through the Platform.
  4. 4.The sole purpose of the Settlement Ledger is to display information concerning the Partner's share in the Operator's revenue and to facilitate settlements with the Partner in accordance with these Terms.

Final Provisions

  1. 1.These Terms apply to the European version of the FivePay Platform from 15 August 2026, subject to the rules concerning amendments applicable to existing Partners.
  2. 2.The Operator may make country-specific notices, checkout information, privacy notices or legally required consumer information available in addition to these Terms where required by the law applicable in a particular country.
  3. 3.The contact email address of the Operator is: kontakt@fivepay.pl.

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