Playto1. About these Disclosures
This page explains the role of the banks and payment providers that Playto, Inc. uses when a business buys professional services from Playto, and when Playto pays its Service Partners. It should be read with the Buyer Terms and Conditions and the Service Partner Terms.
2. Playto's role
Playto, Inc. is the seller and Merchant of Record for every Transaction. Buyers pay Playto for Playto's own sale. Playto accepts payments only for its own sales, under its own merchant account and in its own name. It does not accept payments for, or on behalf of, a Service Partner or anyone else.
Playto is not a bank. A payment to Playto is payment for the service Playto sells and does not create a deposit, escrow, trust, wallet or stored-value account.
3. Payment providers act for Playto
Playto uses processors, acquirers, banks, fraud-prevention providers and other payment providers to accept buyer payments and to pay its Service Partners. These providers act for Playto. Where a provider's own terms or notices apply to you, for example for a wallet or financing option, they are presented to you where they apply. Service Partners do not become customers of Playto's payment providers through Playto's agreements and are not sub-merchants of Playto.
4. Payment methods
The payment methods offered depend on the purchase, your location and provider approval, and are shown at the payment step. You authorize the particular amount and method shown there. Card and bank details are entered only in provider-hosted payment pages. Never send full card numbers, security codes or bank-login credentials by email or chat. A bank debit requires the specific mandate and notices for that method.
5. Payment status and receipts
Payment status is established from verified provider and Playto records. A pending authorization or an unconfirmed bank transfer is not a completed payment. Playto issues a receipt once the payment succeeds. The receipt names Playto as seller and records the payer, amount, currency, date, method, invoice or order and payment reference. A receipt does not certify that work has been delivered.
6. Statement descriptor
Your card statement shows a descriptor that identifies Playto: PLAYTO* followed by a short reference to the service, for example PLAYTO* WEB DESIGN, or PLAYTO INC where a suffix is not supported. The descriptor never names a Service Partner. Your card issuer may display it differently. If you do not recognize a charge, contact support@playto.so.
7. Currency
Buyer charges are made in the currency shown on your order.
8. Refunds
Playto pays refunds itself. Approved refunds ordinarily go back to the original payment method. The time your bank or card issuer takes to credit a refund may differ from the date Playto initiates it. See the Refund & Cancellation Policy.
9. Chargebacks and payment disputes
As Merchant of Record, Playto receives and responds to every chargeback on its Transactions and may submit relevant contract, payment and delivery evidence to the card network or bank. Nothing on this page limits a buyer's right to dispute a payment with its card issuer or bank.
10. Fraud prevention and verification
Playto and its providers may screen payments, use authentication such as 3D Secure and request proportionate identity, authority, sanctions or transaction verification. A verification result is not a guarantee against fraud or reversal.
11. Payment data and privacy
Payment providers process payment data to complete, secure and record payments for Playto. Playto does not store full card numbers. The Privacy Policy explains how Playto handles personal information.
12. Paying Service Partners
Playto pays each Service Partner from its own funds, through its banks or payment providers, to a verified account in the Service Partner's own name. Playto's obligation to pay does not depend on its payment providers settling funds to Playto, and a provider restriction or failure does not reduce the amount owed for work performed. Payment terms are set out in the Supplier Payment, Holdback & Set-Off Policy.
13. Outages and restrictions
A provider outage or restriction does not remove Playto's obligations to buyers. Playto may pause new Transactions that depend on an unavailable payment route until a lawful alternative is available.
14. Contact
For an unrecognized charge or a payment question, contact:
Playto, Inc.
8 The Green STE R
Dover, Delaware 19901
United States