ChatMe Merchant Onboarding Agreement

Thank you for choosing ChatMe Payment Platform! This agreement aims to regulate the merchant's onboarding process and payment activities on ChatMe Payment Platform, and to clarify the rights and obligations between the merchant, ChatMe Payment Platform, consumers, and payment institutions. Please read this agreement carefully. By submitting your onboarding application, you agree to all terms of this agreement.

Chapter 1: Parties Involved and Scope

1.1 Four-party Payment Relationship: This agreement defines the four-party relationship, which includes:

• Merchant: Enterprises or individual merchants conducting transactions via the ChatMe Payment Platform.

• Consumer: ChatMe platform users who make payments to merchants.

• ChatMe Payment Platform: A service platform that provides technical support and transaction processing for merchants and consumers.

• Payment Institution: Third-party payment service providers (such as banks or other financial service providers) that handle fund settlements.

1.2 This agreement applies to the entire process of merchants using the ChatMe Payment Platform for transaction processing, fund settlements, marketing tools, and account management.

Chapter 2: Merchant Onboarding Requirements

2.1 Onboarding Requirements Merchants must provide the following materials to complete the onboarding process:

• Valid business license copy (for business merchants) or personal identification (for individual merchants).

• Legal representative or authorized person’s identification documents.

• Business scope and product description, including website or offline store information (if applicable).

• Merchant tax registration certificate or other necessary legal operating permits.

2.2 Qualification Review ChatMe Payment Platform reserves the right to review all materials provided by the merchant. The review process takes 1-3 business days. ChatMe Payment has the right to approve or deny the merchant's onboarding request based on the results of the review.

2.3 Handling False Information If the merchant provides false or misleading information, ChatMe Payment Platform reserves the right to terminate the partnership at any time and blacklist the merchant.

Chapter 3: Payment Services and Operations

3.1 Payment Services ChatMe Payment Platform supports multiple payment methods, including but not limited to:

• Online Payments: Consumers can pay merchants through the platform for goods or services.

• Offline Payments: Consumers can complete payments through the ChatMe Payment App in physical stores.

• Multi-currency Support: ChatMe Payment Platform supports payments and settlements in various currencies.

3.2 Transaction Process When consumers place an order via ChatMe Payment Platform, the platform processes the payment through third-party payment institutions. After the transaction is completed, the funds are transferred to the merchant's account via the payment institution.

3.3 Payment Settlement

• Merchant settlement cycles can be daily, weekly, or monthly, depending on the merchant's selected plan.

• The settlement funds will be transferred to the merchant's designated bank account or other supported withdrawal methods after deducting necessary fees by the payment institution.

• Additional settlement or cross-border payment services will incur extra fees, which will be charged separately by the platform.

Chapter 4: Service Fees and Taxation

4.1 Service Fees Merchants must pay a transaction fee for each transaction completed via ChatMe Payment Platform. The fee rate may vary based on the merchant’s industry type and transaction volume. Specific rates are published on the platform or negotiated separately with the merchant.

4.2 Taxation Merchants are responsible for paying any taxes arising from their business activities. ChatMe Payment Platform is not responsible for withholding or paying taxes such as sales or value-added taxes on behalf of merchants.

4.3 Fee Adjustments The platform reserves the right to adjust service fees based on market conditions and payment institution fee structures. Merchants will be notified of any adjustments at least seven days in advance.

Chapter 5: Fund Management and Withdrawals

5.1 Fund Management Merchants can monitor transaction details, balances, and settlement statuses in real time through the ChatMe Payment Platform management dashboard. Merchants may also conduct fund-related operations, such as withdrawal requests.

5.2 Withdrawal Services Merchants may request withdrawals according to the platform’s specified withdrawal cycles. Funds will be transferred to the merchant’s designated bank account or other approved accounts within 3-5 business days.

• Withdrawal minimums and maximums are subject to different countries’ or regions’ banking rules and platform policies, which will be posted on the platform.

5.3 Fund Freezing If a merchant's account is under investigation due to suspected illegal transactions, consumer complaints, or other violations, ChatMe Payment Platform reserves the right to temporarily freeze the merchant's account funds until the issue is resolved.

Chapter 6: Marketing Tools and Service Support

6.1 Marketing Tools ChatMe Payment Platform provides a variety of marketing tools, such as electronic red envelopes, discount coupons, and points rewards. Merchants may use these tools to improve customer conversion rates and loyalty.

6.2 Technical Support The platform offers 24/7 technical support, including API documentation, integration guides, and real-time customer support to assist merchants with seamless integration of ChatMe Payment services and to ensure platform stability.

Chapter 7: Risk Management and Transaction Security

7.1 Transaction Monitoring ChatMe Payment Platform employs an advanced risk control system to monitor every transaction in real time, preventing fraud, money laundering, and other risk behaviors.

7.2 Merchant Responsibility Merchants must ensure the authenticity and legality of their transactions. Any illegal activity conducted by merchants, such as fraud or illegal goods, will result in immediate suspension or termination of the service, and the merchant’s information may be reported to relevant law enforcement agencies.

7.3 Fund Security All merchant transactions on the platform are protected by the platform's encryption technology. ChatMe Payment Platform will take reasonable measures to ensure the security of merchant funds.

Chapter 8: Dispute Resolution and Compensation

8.1 Dispute Resolution Mechanism Any disputes arising from transactions must first be negotiated between the merchant and the consumer through the platform’s customer service. Unresolved disputes may be submitted to ChatMe Payment Platform’s arbitration department for further handling.

8.2 Compensation Clause If a merchant suffers a financial loss due to technical issues or operational errors by ChatMe Payment Platform, the platform will provide reasonable compensation after verification. However, compensation shall not exceed the actual loss amount incurred by the merchant for that specific transaction.

Chapter 9: Termination and Amendment of Agreement

9.1 Termination of Agreement

• Merchants may terminate this agreement by providing 30 days' written notice to ChatMe Payment Platform, provided that all pending transactions and fees have been settled.

• ChatMe Payment Platform reserves the right to terminate services if a merchant violates this agreement or relevant laws without prior notice.

9.2 Amendment of Agreement ChatMe Payment Platform reserves the right to modify and adjust this agreement based on business development or legal requirements. In the event of changes, merchants will be notified at least seven days in advance through public announcements.