CCISPay Payment Services Terms

These CCISPay Payment Services Terms (the "Payment Terms") govern your church's use of the CCISPay online giving service ("CCISPay") operated by CCIS Church Management Software, Inc. ("CCIS", "we", "us"). They apply in addition to, and are incorporated into, the CCIS Terms of Service governing your subscription to CCIS software. Where the two conflict in respect of online giving, these Payment Terms control.

By connecting a payment account through CCISPay, or by accepting a donation through CCISPay, the church ("you", "your") agrees to these Payment Terms. The individual accepting them represents that they are authorised to bind the church.

Payment processing for CCISPay is provided by Stripe, Inc. ("Stripe") and is subject to the Stripe Connected Account Agreement, including the Stripe Services Agreement (together, the "Stripe Agreement"). By connecting an account you agree to be bound by the Stripe Agreement, as it may be modified by Stripe from time to time.

A connected account is established in the church's name. As a condition of establishing and maintaining it, you must provide accurate and complete business and beneficial-ownership information and satisfy Stripe's identity-verification requirements. CCIS does not collect, control or adjudicate that information.

Enabling CCIS as your platform. You authorise CCIS to access information about your connected account, to configure it for the provision of CCISPay, and to collect the fees described below. CCIS is not a party to the Stripe Agreement and has no authority to vary, waive or override any determination Stripe makes, including any decision to restrict, suspend or close the account.

CCISPay uses direct charges. Each donation is created on your connected account, and the church is the merchant of record for every transaction. CCIS does not take possession or control of donated funds at any point, does not act as an agent for the receipt of donations, and is not a money transmitter in respect of them.

As merchant of record you are solely responsible for: the accuracy of all representations made to donors on your giving pages; the charitable and tax treatment of gifts received, including the issuance of any contemporaneous written acknowledgement or receipt required by law; and the resolution of any dispute, complaint or claim raised by a donor.

Stripe fees. Stripe's processing fees are determined by Stripe under the Stripe Agreement and are deducted from your connected account. Because CCISPay uses direct charges, these are borne by the church, not by CCIS.

CCIS fees. CCIS collects a service fee on each donation as an application fee on the transaction. The rate applicable to your church, any per-transaction or aggregate caps, and the date from which they are effective, are those recorded in your CCISPay configuration and displayed in the admin console. Rates are agreed per church and may differ between churches.

Donor-covered fees. Where a donor elects to cover fees, the amount charged is calculated so that, after deduction of Stripe's fee and the CCIS fee, the church receives the donation amount the donor selected. Where a donor does not so elect, fees are deducted from the donation and the church receives the net amount.

Nonprofit pricing. Stripe offers discounted processing to eligible nonprofit organisations. Eligibility is determined by Stripe on application, per account, and is not within the control of CCIS. Any discounted rate applies from the date Stripe applies it to your account, and applies only to the card networks and transaction types Stripe specifies. CCIS makes no representation that any application will be approved.

Changes. CCIS will give notice of any change to the CCIS fee before it takes effect. Changes to Stripe's fees are governed by the Stripe Agreement.

Settlement of donated funds is made by Stripe to the external bank account designated on your connected account, on the payout schedule applicable to that account. Payout timing, holds and reserves are determined by Stripe under the Stripe Agreement. CCIS does not control payout timing and does not guarantee any settlement date.

You are responsible for maintaining accurate and current bank account and representative details. CCIS has no liability for funds delayed or misdirected as a result of details you have provided or failed to update.

Refunds may be initiated through the CCISPay admin console. A refund returns the donation amount from your connected account to the donor's original payment method. You are responsible for your church's own refund policy and for its consistency with any acknowledgement or receipt already issued to the donor.

Allocation of fees on a refund. Where a donation is refunded in whole or in part:

• the donor is refunded the full amount they paid, including any processing fee they elected to cover;
• the CCIS service fee is refunded pro rata to the amount refunded, so that CCIS retains no service fee on a refunded donation, and CCIS makes no separate charge for processing a refund; and
• the processing fee originally charged by Stripe is not returned by Stripe on a refund, whether full or partial and irrespective of elapsed time, and is therefore borne by the church.

Chargebacks and disputes are governed by card-network rules and are adjudicated by the issuing bank. A dispute fee of $15.00 applies per dispute received and is returned to the church only where the dispute is resolved in its favour. The dispute fee and any resulting reversal are applied to your connected account. CCIS will make available the transaction records in its possession to assist a response but has no role in the determination.

You represent, warrant and undertake that:

• you are an organisation lawfully entitled to solicit and receive charitable contributions in the jurisdictions in which you do so;
• all fund names, appeal descriptions and other donor-facing content you publish through CCISPay are accurate and not misleading;
• donations will be applied to the purpose represented to the donor;
• you will comply with all applicable laws relating to charitable solicitation, donor acknowledgement and tax reporting; and
• you will not use CCISPay for any unlawful purpose, for any activity prohibited by the Stripe Agreement or applicable card-network rules, or to process payments unrelated to the church's charitable activity.

Where Stripe restricts, suspends, or disables charges or payouts on your connected account, CCIS will disable the affected giving surfaces for so long as the restriction persists. CCIS will surface the outstanding requirements reported by Stripe within the admin console.

CCIS is not liable for donations that cannot be accepted, or funds that cannot be paid out, during any period of restriction imposed by Stripe or by a card network.

Either party may terminate these Payment Terms on notice. On termination CCIS will disable your giving surfaces and cease collecting application fees. You remain responsible for cancelling or transferring any recurring donation schedules then in effect, and CCIS will provide reasonable assistance in doing so.

Termination does not affect the church's connected account with Stripe, which is governed by the Stripe Agreement, nor any obligation accrued before termination. Provisions which by their nature should survive termination will do so.

The CCIS Terms of Service are incorporated into these Payment Terms by reference, including their provisions on warranties, limitation of liability, indemnity, governing law and venue. In respect of online giving, these Payment Terms control to the extent of any conflict.

The handling of personal information in connection with CCISPay is described in the CCISPay Privacy Notice at /legal/privacy.

The general CCIS Terms of Service are available at churchsoftware.net/terms.