Playto1. About this Policy
This policy explains how Playto, Inc. pays its Service Partners for the services they supply to Playto. It summarizes Sections 19 and 23 to 30 of the Master Service Partner Agreement. If this policy and the agreement, the Service Partner's Account Schedule or a Supplier Service Order differ, those documents control.
This policy replaces the earlier supplier payment policy published on this site.
2. What Playto pays
Playto buys each service from the Service Partner at the Supplier Price and resells it to the Buyer at the Resale Price. Unless a Supplier Service Order states a different agreed amount, the Supplier Price is the Resale Price, excluding transaction taxes, less the Playto Markup at the rates in the pricing schedule and any account-specific rates in the Account Schedule.
The Supplier Price is fixed when the Buyer's payment is made, or for a recurring service when each billing period is paid, and is recorded in the Supplier Service Order. It does not change with the amount Playto later collects, and Playto's own discounts, promotions and goodwill credits do not reduce it. It changes only through an accepted change order, a refund or chargeback, tax withholding required by law, or set-off of an amount the Service Partner owes (Section 19).
For each Supplier Service Order, Playto keeps a record of the Resale Price, the Playto Markup, the Supplier Price, amounts paid, charges and any adjustment and its basis, and provides it on request. No amount is deducted or recovered twice.
3. Charges
Apart from the Playto Markup, the charges Playto may apply are listed in Section 19.6 and priced in the pricing schedule. They include:
- a one-time account verification charge;
- a Reversal Handling Charge for each refund and each chargeback, including an early dispute resolution, on Transactions for the Service Partner's services; and
- a recovery share on amounts Playto recovers from a Buyer after a chargeback has been decided.
None of these is a charge for accepting payment from a Buyer. An increase in a rate or charge applies only after at least thirty calendar days' notice and the Service Partner's acceptance, and never alters a Supplier Price that is already fixed (Section 19.7).
4. When payment is made
Playto pays the Supplier Price for each stage in the first weekly supplier payment run, held each Monday or on the next Business Day, on or after the latest of:
- the end of the Review Period for that stage;
- Buyer Confirmation of that stage, or a Payment Approval without Buyer Response; and
- Playto's receipt of a valid supplier invoice for that stage, or its issue of a self-billed invoice.
These conditions run at the same time. In all cases, Playto pays each undisputed amount no later than 180 calendar days after Valid Delivery of the stage concerned (the Payment Deadline). An amount is undisputed unless a specific refund request, chargeback, fraud investigation or other claim concerning that stage was opened before the Payment Deadline and remains unresolved, or the amount is needed to satisfy an amount the Service Partner owes Playto (Section 23.1).
A weekly payment run does not guarantee the date on which funds reach the Service Partner's account. Payment before the ordinary payment date is available only as an Approved Advance agreed in writing (Section 24).
5. Payment without a Buyer response
Where a Buyer does not respond, an authorized Playto reviewer may approve payment after examining the delivery evidence, the accepted criteria, the Buyer's contact history, any complaint and the Buyer's remaining refund rights. Before approving, Playto must have sent the delivery notice and at least two reminders on different days, and allowed at least three calendar days after the last reminder (Section 23.3).
New Service Partners, and accounts in the confirmation-required tier, are paid only after Buyer Confirmation, or after a Payment Approval without Buyer Response given no earlier than fourteen calendar days after Valid Delivery with a second authorized approval (Section 23.2).
6. Deposits and milestones
Buyer deposits and prepayments are Playto's funds and do not make any Supplier Price payable when received. Each Supplier Price relates to the milestone, capacity or other obligation identified in the Supplier Service Order (Section 24.1).
7. Holdbacks
Playto may defer payment of up to 100 percent of the Supplier Price for one or more Supplier Service Orders where it reasonably considers it appropriate to protect against refunds, chargebacks, fraud, amounts owed or other risk, including where (Section 25.1):
- a problem report, refund request, chargeback, investigation or fraud concern is open;
- refund, chargeback or fraud levels, delivery performance, complaints or verification status increase Playto's exposure;
- the Service Partner is new, is in the confirmation-required tier, or materially changes its business, volume, services or Buyer markets;
- a payment provider, a payment network rule or applicable law requires it; or
- either party has given notice of termination, or the account is suspended.
A Holdback ends no later than the Payment Deadline, 180 calendar days after Valid Delivery, whether or not the agreement has ended. The only exception is that an amount equal to a specific refund request, chargeback, fraud investigation or other claim opened before the Payment Deadline may be held until it is resolved (Section 25.2).
Playto notifies the Service Partner of each Holdback with the affected orders or percentage, the reason to the extent it can lawfully disclose it, and the conditions for release, and reviews each Holdback at least every thirty calendar days. Amounts no longer needed are paid in the next weekly payment run (Section 25.3).
A Holdback defers Playto's payment obligation. It is not a fee, a forfeiture or a reduction of the Supplier Price, it is not held in trust, escrow or a segregated account, and it is never treated as Playto's income (Section 25.4).
8. Refunds and chargebacks
Playto, as seller, decides and pays all Buyer refunds and receives and responds to every chargeback. The Service Partner bears every refund and chargeback on Transactions for its services, whatever the reason, including no-reason cancellations and fraudulent or unauthorized payments (Sections 27.4, 28.2 and 28.3). For each one:
- the Supplier Price for the affected work is not payable, or is reduced by the amount refunded or charged back, excluding transaction taxes;
- the Service Partner repays any part already paid and reimburses any remaining difference, so that it bears the full amount refunded or charged back, excluding transaction taxes;
- Playto keeps the Playto Markup; and
- the Reversal Handling Charge applies, whether the refund or chargeback is accepted, contested, won or lost.
The Service Partner also reimburses any fine or assessment a payment provider or card network imposes on Playto, to the extent reasonably attributable to Transactions for its services or its conduct (Section 28.3).
The Service Partner bears nothing for Playto's own errors, such as a duplicate charge, or for a chargeback whose liability shifts to the card issuer (Sections 28.3 and 28.5). If Playto wins a chargeback, the amount is credited back. If Playto recovers an amount from a Buyer after a chargeback has been decided, it credits the amount recovered less the recovery share in the pricing schedule and any reasonable external collection costs (Section 28.8).
9. Set-off and repayment
Playto may set off, at any time, amounts payable to a Service Partner under any Supplier Service Order against amounts the same legal entity owes under the agreement, including refund and chargeback repayments, charges, overpayments, taxes and indemnity amounts. Each set-off is recorded with its basis and the affected Transaction and amount (Sections 29.1 and 29.2).
Where amounts payable are not enough, Playto may issue an itemized repayment demand, and undisputed amounts are due within seven calendar days (Section 29.3). The agreement does not by itself authorize Playto to debit a Service Partner's external bank account or charge its card (Section 29.6).
10. Payment accounts
Playto pays only to a verified bank or payment account in the Service Partner's own name and may require enhanced verification for a new or changed account (Section 26.1).
The Supplier Price currency is stated in each Supplier Service Order. Charges of the Service Partner's own bank or receiving provider are the Service Partner's own cost, and tax withholding required by law is applied under Section 20.3 (Section 26.3).
11. Playto's payment providers
A restriction, hold or failure by one of Playto's payment providers does not reduce or cancel the Supplier Price for work performed. If a provider becomes insolvent or fails to settle, Playto remains responsible for paying the Supplier Price, subject only to a binding legal restriction (Sections 30.2 and 30.3).
12. Mandatory payment rights
A review, confirmation requirement, Holdback or internal cutoff does not postpone an amount beyond a supplier or freelance-worker payment deadline that cannot legally be waived (Section 23.7).
13. Contact
For payment questions, statement requests and calculation disputes, contact:
Playto, Inc.
8 The Green STE R
Dover, Delaware 19901
United States