Fraud Insights Service Terms

www.paxon.com/en-US/service-specific-terms

September 30, 2026

These Fraud Insights Service Terms (“Service Terms”) shall govern the provision by Paxon North America, Inc. f/k/a Radial, Inc. (“Paxon”) of fraud review Services to Company. These Service Terms are available at www.paxon.com/en-US/service-specific-terms (and can also be provided upon request), and together with the Order Form and the Paxon Standard Terms form the Agreement between the Parties.
1. DEFINITIONS.
“Fraud Chargeback” means a reversal of a Payment Tender charge pursuant to an Order which is fraudulent.
2. FRAUD REVIEW.
Paxon will maintain reasonable fraud review policies and procedures designed to detect and limit Fraudulent Chargebacks in connection with Orders. Subject to the Company satisfying the Company Fraud Review Requirements (as defined below), Paxon will provide to Company the results of the fraud review for each submitted Order, such as a fraud risk score or a recommendation to cancel or accept an order, as applicable (“Fraud Results”).
3. COMPANY OBLIGATIONS.
Company acknowledges that Paxon’s ability to provide accurate Fraud Results is dependent on the Order data provided by Company for Paxon’s review. Therefore, Company will comply with the following requirements (collectively, “Company Fraud Review Requirements”), at Company’s expense:
3.1 Fraud Data Points. The Company will provide Paxon with all requested customer and order-based information to enable Paxon to perform fraud review services for the Company Online Stores (“Required Fraud Data Points”). Required Fraud Data Points will include, but not be limited to, legacy data to support fraud set up and the following data: (x) Order Information; (y) prior Order Information and any fraud chargeback cases; and (z) any negative/blocked or white/approved customer information. The Company will (i) provide Order Information on a real time or near real time, as reasonably requested by Paxon, and (ii) update all other Required Fraud Data Points as reasonably requested by Paxon.
3.2 Integration. The Company will adhere to Paxon’s then current API specifications for its fraud review services, including Paxon’s risk assessment and order confirmation APIs, and install and update the device collector deployed on the Company Online Store to support fraud prevention as reasonable requested by Paxon.
3.3 Change in Risk. The Company will provide reasonable advance written notice to Paxon of any planned start or increase in its sale of gift or prepaid cards, electronics, jewelry, or similar high risk goods and services or change in its e-commerce model (e.g. negative-options sales tactics, utilization of buy online, pickup in store technology to fulfill Orders).
4. SERVICE FEES.
Paxon will invoice the Company for the following Service Fees:
4.1 A Fraud Management Fee set forth in the Order Form for all Orders submitted for fraud review; plus;
4.2 All amounts, if any, due to Paxon pursuant to any SOW or other writing under this Agreement; plus
4.3 All amounts, if any, due to Paxon for any other technology and professional services, billed at the hourly rates set forth in the Order Form.
5. PCI COMPLIANCE.
The Company, the Company E-Commerce Providers, and Paxon shall each comply with applicable rules and regulations of the payment card clearing networks and applicable requirements of the Payment Card Industry Data Security Standard (“PCI”), as updated or amended, or its successor. Each Party shall provide the other Party with a copy of its certificate evidencing compliance with the PCI requirements as reasonably requested by the other Party from time to time. The Company will cause the Company E-Commerce Providers to comply with each of the above obligations as it relates to the security and operation of the Company Online Store. Each Party’s obligations in this Section are in addition to each Party’s data security obligations set forth in the Standard Terms.
6. TRANSACTION FEEDBACK.
If Paxon does not have sufficient access to Company’s payment provider chargeback system, Company will provide Paxon with a regular data feed (not less than weekly) of all chargebacks for all Orders processed by Paxon hereunder, including the chargeback code and final resolution.
7. NO ORDER FILTERING.
Company will submit to Paxon all Orders received through the Company Online Stores and will not filter the Orders sent to Paxon for fraud review services. Company may not submit to Paxon for fraud review only those orders that present a heightened risk of fraud.
8. USE OF FRAUD RESULTS.
Company shall use such Fraud Results solely in connection with such Order and shall not store Fraud Results for use in connection with any future Orders.
9. FRAUD DATA.
The Parties acknowledge and agree that in connection with Paxon’s payment processing services, Paxon has a duty under applicable Law, the payment card association rules and Paxon’s agreements with the payment processing banks to take reasonable steps to prevent fraudulent activity and money laundering. To meet these obligations, Paxon has developed a sophisticated fraud prevention database, which includes, among other things, customer and order data from all fraud review and payment transactions processed by Paxon. As a result, data submitted to Paxon (including Customer Information, Fraud Data Points and payment card data) will be combined and incorporated into Paxon’s fraud prevention database, and once so combined such data shall become the property of Paxon and be deemed Paxon Data.
10. STANDARD TERMS.
The Paxon Standard Terms, which are available at www.paxon.com/en-US/service-specific-terms (and can also be provided to upon request), are incorporated into and shall govern these Service Terms and the Order Form. Company agrees to adhere to all terms and conditions contained therein.

-END-