Fanvue Checkout Seller Terms

INTRODUCTION

These Seller Terms govern the use of Fanvue Checkout by approved Sellers. Fanvue Checkout lets Sellers offer digital products and services for sale through shareable, Fanvue-hosted checkout pages known as Checkout Links. By applying for, or selling through, Fanvue Checkout, you agree to these Seller Terms.

These Seller Terms are the baseline terms for all Sellers. Fanvue may enter into additional written agreements with individual Sellers; where an additional agreement conflicts with these Seller Terms, the additional agreement prevails for that Seller.

This Policy supplements the General Terms & Conditions and other applicable Fanvue Policies. If there is any conflict between this Policy and the General Terms, the terms of this Policy shall prevail for sales made through Fanvue Checkout.

All defined terms used herein shall have the meaning assigned in the General Terms & Conditions and the Fanvue Checkout Buyer Terms, unless otherwise stated.

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DEFINITIONS

“Checkout Link” means a Fanvue-hosted checkout page through which a Seller offers a Product for purchase.

“Product” means the digital product, service, content, or subscription offered by a Seller through a Checkout Link.

“Seller” (or “you”) means the person or business approved by Fanvue to offer Products through Fanvue Checkout.

“Buyer” means the person purchasing a Product through a Checkout Link.

“Fee Schedule” means the fees applicable to your use of Fanvue Checkout, as set out in Section 6.

“Financial Partners” means the banks, acquirers, card networks, payment service providers, and other financial institutions that Fanvue works with to provide Fanvue Checkout.

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1. ROLES AND STRUCTURE

1. Fanvue Checkout is a platform on which Fanvue acts as the Merchant of Record for every transaction. Fanvue processes the Buyer’s payment, is the responsible party for the payment transaction, and handles payment-level disputes and chargebacks.
2. Delivery of the Product is delegated to you as the Seller. You are the supplier of the Product and are solely responsible for its content, accuracy, legality, quality, fulfilment, and any claims made about it.
3. You must not represent yourself as the merchant of record, payment processor, or payment facilitator for Checkout Link transactions, and you must not misrepresent your relationship with Fanvue.
4. You will be identified as the supplier of the Product on the checkout page and on the Buyer’s receipt. You must provide, and keep current, accurate business and contact details for this purpose.
5. Where you host or deliver Products on your own website or another external environment, you must make clear to Buyers that payments are processed by Fanvue as Merchant of Record, and direct Buyers to Fanvue for payment, billing, refund, and dispute enquiries, including within any contact or support section of your site. Fanvue may specify the form and placement of this disclosure.

2. ELIGIBILITY, ONBOARDING AND VERIFICATION

1. Access to Fanvue Checkout is by approval only. Fanvue may accept or decline any application at its sole discretion, and approval may be limited to specific Products, categories, volumes, or markets.
2. Before you can sell, and on an ongoing basis, you must complete identity and business verification (including know-your-customer and know-your-business checks) and provide any information Fanvue reasonably requests, which may include proof of identity, proof of address, business registration documents, bank records or processing history, evidence of your rights to sell each Product, evidence that you own or control the websites and domains you sell from, details of the external websites and social media accounts you use to market your Products, and a copy of, or link to, your own customer-facing terms and policies where you have them.
3. You must keep all onboarding information accurate and up to date, and notify Fanvue promptly of any material change to your business, ownership, or Products.
4. Fanvue monitors Seller activity, transaction patterns, disputes, and complaints on a per-Seller basis, and may re-verify, restrict, or revoke approval at any time, including where required by our Financial Partners or applicable law. Material changes in your transaction profile (for example processing volume, average transaction value, product mix, or dispute rates) may trigger enhanced checks or re-verification.
5. Tax information and reporting. Where required by applicable law, including EU Council Directive 2021/514 (DAC7), the UK digital platform reporting rules, and US information reporting requirements (including Form 1099-K), you must provide accurate tax information (including tax identification numbers) on request, and Fanvue will report your identification details and transaction information to the relevant tax authorities. Failure to provide required tax information may result in withheld payouts or suspension.
6. Product access for review. You must provide Fanvue with access to each Product as sold, including any gated material (such as course content, members’ areas, digital downloads, or community spaces), so that we can verify that what is sold matches your stated business model and complies with our policies. You must maintain that access for as long as the Product is offered through Fanvue Checkout, and we may re-review Products periodically. Withdrawing or obstructing this access is grounds for suspension of the affected Products or of your access to Fanvue Checkout.

3. PRODUCT LISTINGS AND DISCLOSURES

1. Every Product must be accurately and completely described on its Checkout Link, including:
   1. What the Buyer receives;
   2. The access period and duration of access;
   3. How the Product is delivered (for example, hosted course access, download, community access, or software licence); and
   4. For subscriptions, the billing amount and interval.
2. You must not offer perpetual or “lifetime” access to any Product unless expressly approved by Fanvue in writing.
3. You must hold all rights, licences, and permissions necessary to sell each Product. Reselling products you do not have the right to distribute (including private label rights or master resell rights bundles) is prohibited.
4. You must not make misleading claims about a Product, including guaranteed earnings, guaranteed results, or fabricated testimonials or reviews.
5. Marketing of your Checkout Links off-platform must comply with applicable law and must not misrepresent Fanvue’s role. Fanvue may review your external websites and marketing channels (including the websites and social media accounts disclosed at onboarding) at intake and on an ongoing basis, and may require changes to any listing, checkout page, or marketing material to remain compliant with law, card network rules, or Financial Partner requirements.

4. PROHIBITED AND RESTRICTED PRODUCTS

1. You may only sell Products permitted under the Prohibited & Restricted Products Policy. Restricted categories require prior written approval.
2. Fanvue may remove any Product, or decline any category, merchant, or transaction, at any time, including for legal, regulatory, reputational, or business reasons, or where a Financial Partner will not support it.
3. Where Fanvue approves a Restricted Product, you must meet every condition of that approval for as long as you sell it, and tell Fanvue in writing before you make a material change to the type of content you sell, or to the moderation, age verification, or other controls the approval depends on.
4. Fanvue may audit the controls that a Restricted Product approval depends on, and may ask for content samples, records, and test access to check them. You must give that access promptly. This is in addition to Section 2.6.
5. If a condition of an approval lapses, Fanvue may suspend the affected Products immediately and without notice, and may withdraw the approval, in addition to its rights under Section 10.

5. FULFILMENT AND BUYER SUPPORT

1. You are responsible for delivering each Product as described, promptly and in full, and for maintaining access for the duration described at purchase.
2. You must provide reasonable customer support to Buyers for Product-level issues, respond to Buyer enquiries in a timely manner, and cooperate promptly with Fanvue where a Buyer escalates an issue to us. As Merchant of Record, Fanvue may determine the outcome of an escalated Buyer issue in accordance with the Fanvue Checkout Buyer Terms, and you must give effect to that outcome.
3. You must retain and, on request, promptly provide Fanvue with evidence of fulfilment for any transaction (for example, access logs, delivery confirmations, or usage records), including to support the defence of payment disputes.
4. If you become unable to deliver a Product (including discontinuing it), you must notify Fanvue promptly and stop selling it immediately.

6. FEES, PAYOUTS AND TAXES

6.1 Fee Schedule

1. The Fee Schedule for Fanvue Checkout is set out in the table below. Fees are charged as a percentage of the transaction amount:

2. These rates are all-inclusive. There are no separate gateway, acquiring, international, currency-conversion, 3-D Secure, or fixed per-transaction fees, and no fee is charged to the Buyer at checkout.
3. The applicable rate is determined by the payment method the Buyer uses for the transaction. Where a subscription renews on a different payment method, the rate for that method applies to the renewal.
4. The Fee Schedule applies to one-off purchases, the first payment of a subscription, and every subscription renewal made through a Checkout Link.
5. Fanvue may agree different rates with an individual Seller in writing. A rate agreed specifically for Fanvue Checkout prevails over the rates in the table above. Any other commission or platform fee applying to your Fanvue account does not apply to Fanvue Checkout sales.
6. The Creator Earning Rate and Promotional Earning Rate provisions of the Creator Earnings & Payouts Policy do not apply to Fanvue Checkout sales, which are governed by this Fee Schedule.
7. Sales made through Fanvue Checkout do not generate referral commission under the Creator Referral & Affiliate Policy. Affiliate commission may apply where an affiliate offer has been accepted, and is calculated on and deducted from your net proceeds after the fees in this Fee Schedule.

6.2 Changes to the Fee Schedule

1. Fanvue may update the Fee Schedule from time to time with at least 30 days’ notice to you. If you do not accept an updated Fee Schedule, you may stop offering Products through Fanvue Checkout before the change takes effect. Continued use of Fanvue Checkout after a fee change takes effect constitutes acceptance of the updated fees.

6.3 Payouts

1. Fees are deducted from each transaction before the net amount is credited to your Fanvue balance. Withdrawals are made in accordance with the payout provisions of the Creator Earnings & Payouts Policy.
2. Funds credited to your balance become available to withdraw once the applicable Pending Period has passed. The standard Pending Period is seven (7) days from payment, as set out in the Creator Earnings & Payouts Policy.
3. Instalment payments. Where a Buyer pays for a Product by instalment, the instalment provider, not you, carries the risk of that Buyer failing to complete their instalment plan. A Buyer’s failure to pay an instalment is not a refund, chargeback, or adjustment under Section 7, and no amount is recovered from you on account of it. Instalment plans are settled on the timings set out in Section 12, and Section 12 applies in full to any Product you offer on an instalment plan.
4. The Fee Schedule does not include amounts recoverable from you under Section 7 (refunds, chargebacks, and adjustments), or any fines, penalties, or costs imposed by a Financial Partner, card network, or regulator as a result of your activity. These are charged separately and in addition.

6.4 Taxes

1. As Merchant of Record, Fanvue calculates, collects, and remits applicable transaction taxes (such as VAT or sales tax) on Checkout Link sales. Where transaction tax applies, it is added to the Product price and charged to the Buyer, and does not reduce the amount payable to you.
2. You remain solely responsible for your own income and business taxes on amounts paid to you.

7. REFUNDS, CHARGEBACKS AND ADJUSTMENTS

1. Refunds for Checkout Link purchases are handled by Fanvue in accordance with the Fanvue Checkout Buyer Terms. You must not promise Buyers refund terms that conflict with the Buyer Terms.
2. Refunds you request. You may request a refund on a transaction through your Fanvue Checkout dashboard or the Fanvue Checkout API. Requesting a refund is not the same as making one:
   1. Fanvue reviews each request and may approve or decline it, including where the refund would conflict with these Seller Terms, the Buyer Terms, or a Financial Partner requirement;
   2. Where a request is approved, Fanvue returns the amount to the payment method the Buyer used. A refund takes effect only once Fanvue has processed it, and completion depends on the relevant payment provider returning the payment;
   3. You must not tell a Buyer that a refund has been made before Fanvue has processed it; and
   4. Refunds you request are subject to the same recovery of amounts under paragraph 4 as any other refund.
3. Fanvue may issue a refund without a request from you, including where required by the Buyer Terms, by applicable law, or by a Financial Partner.
4. Where a refund, chargeback, dispute, or other adjustment is applied to a transaction, Fanvue may reclaim the corresponding amount (including associated costs) from your Fanvue balance or from future sales. You agree that such amounts are a debt owed to Fanvue and may be recovered without notice.
5. Fanvue tracks disputes and chargebacks for each Seller individually. If your dispute, chargeback, or refund rates are excessive, or your Products generate elevated complaints, Fanvue may take any of the following actions:
   1. Require changes to your Products, listings, or marketing;
   2. Apply additional checkout controls or payment method restrictions;
   3. Impose a rolling reserve or delay payouts;
   4. Share relevant information with Financial Partners where required; and/or
   5. Suspend or terminate your access to Fanvue Checkout.

8. PROHIBITED BILLING PRACTICES

1. You must not, directly or indirectly:
   1. Split a transaction into multiple smaller transactions, or use nominal or artificial charges, to evade fraud controls, dispute-ratio thresholds, or transaction limits;
   2. Cause repeated authorisation retries beyond limits permitted by card network rules;
   3. Enrol Buyers in recurring billing without clear disclosure at checkout, or make cancellation materially harder than sign-up;
   4. Process transactions for products, sellers, or businesses other than your approved Products (including any form of transaction laundering); or
   5. Use Fanvue Checkout to transfer funds to yourself or to persons you control other than through genuine sales of approved Products.

9. COMPLIANCE

1. You must comply with all applicable laws and regulations in each market where you sell, including consumer protection, advertising, data protection, anti-money laundering, and sanctions laws.
2. You must comply with applicable card network rules as they relate to your activity, and with any operational requirements Fanvue notifies to you to maintain compliance with its Financial Partners.
3. You must not sell to, or knowingly deal with, any person or entity subject to applicable sanctions, or operate from a sanctioned jurisdiction.
4. Where you receive Buyer personal data (for example through receipts, webhooks, or integrations), you must handle it in accordance with applicable data protection law, use it only to deliver and support the Product, and not sell it or use it for unrelated marketing without a lawful basis.

10. SUSPENSION, TERMINATION AND WITHHELD FUNDS

1. Fanvue may suspend or terminate your access to Fanvue Checkout at any time, with or without notice, where we reasonably believe you have breached these Seller Terms, the Prohibited & Restricted Products Policy, or any other applicable Fanvue Policy, where required by law or a Financial Partner, or to protect Buyers, Fanvue, or the integrity of the payment system.
2. On suspension or termination, your Checkout Links are disabled. Fanvue may withhold amounts in your balance for a period of up to 90 days, extendable to no more than 180 days where reasonably required, to investigate, cover open disputes, chargebacks, refunds, fines, or other liabilities, and to comply with the requirements of law or our Financial Partners. We will tell you the reason for, and expected duration of, any withholding unless the law or our Financial Partners prevent us from doing so.
3. Obligations that by their nature survive termination (including those relating to fulfilment of already-sold Products, adjustments, indemnities, and data protection) continue after termination.

11. LIABILITY AND INDEMNITY

1. You are solely responsible for your Products and your conduct as a Seller. You agree to indemnify Fanvue against any claims, losses, fines, penalties, and costs (including from Buyers, rights holders, regulators, card networks, or Financial Partners) arising from your Products, your breach of these Seller Terms, or your violation of applicable law.
2. The limitations of liability in General Terms – Section 14 apply to these Seller Terms.

12. INSTALMENT PLANS

This Section applies where a Product of yours is offered to Buyers on an instalment plan. Instalment plans are administered by Fanvue’s instalment provider, and the Buyer’s agreement for the instalment plan is with Fanvue as Merchant of Record, under the Fanvue Checkout Instalment Terms.

12.1 Availability and approval

1. Instalment plans are offered at Fanvue’s discretion, and are not available for every Product, every Seller, or every market. Which plan lengths are available on a Checkout Link is set by you and is subject to Fanvue’s approval.
2. Instalment plans longer than six (6) payments require Fanvue’s prior written approval. Approval is given per Seller, may be limited to specific Products, prices, or volumes, may be subject to conditions, and may be withdrawn at any time. You must not offer a plan longer than six payments before that approval is given.
3. Instalment eligibility is set by the instalment provider and is narrower than the range of Products this Policy otherwise permits. A Product that may be sold for card payment may not be eligible for instalment plans. Prohibited & Restricted Products Policy – Section 1 applies.
4. The instalment provider sets a purchase limit for each Seller and reviews it over time. Transactions above that limit still process, but are not funded as instalment plans. Fanvue will tell you what your limit is.
5. You must enter into a funding agreement directly with the instalment provider before instalment plans can be enabled on your account. That agreement is between you and the provider, and is separate from these Seller Terms.

12.2 Settlement of instalment plans

1. On plans of six payments or fewer, the full transaction amount less the applicable fee is credited to your Fanvue balance on purchase, however many instalments the Buyer has actually paid at that point.
2. On longer plans, the transaction is funded in two parts. Half the amount, less the fee on that half, is credited on purchase. The balance is credited after a further period set by the instalment provider for that plan length, and Fanvue will tell you what that period is before you offer the plan.
3. Both parts fall due regardless of whether the Buyer keeps up with their plan. Split settlement affects the timing of your payout, not who carries the risk of a Buyer not completing.
4. The Pending Period in Section 6.3 applies to each part separately, from the date that part is credited.

12.3 Risk, refunds and chargebacks

1. The instalment provider carries the risk of a Buyer failing to complete their plan, including where the Buyer becomes unable to pay. Nothing is recovered from you, from your balance, or from your future sales because a Buyer stopped paying.
2. Refunds, chargebacks, disputes, and fraud are not Buyer default. They remain recoverable from you under Section 7, including on a plan that has been funded in part or in full. A Buyer disputing a charge with their card issuer is a different thing from a Buyer simply not paying.
3. A Buyer stopping their use of a Product is not by itself a refund. Whether anything is owed to the Buyer is determined by your own terms for the Product, by the Fanvue Checkout Buyer Terms, and by the Buyer’s statutory rights. Where no refund is due, the plan continues and the remaining instalments are charged as scheduled.
4. Where a refund is approved on a live instalment plan, it is applied to that plan. A refund cannot be reversed once processed, and there is no separate mechanism to cancel a live plan: a plan is closed by refunding whatever is properly due.
5. Fanvue monitors dispute and chargeback rates on instalment volume separately. Sustained performance above the level the instalment provider requires may result in longer plan lengths being withdrawn from your account, in addition to the actions available under Section 7.5.

12.4 What you must not do

1. You must not pursue a Buyer for non-payment of an instalment plan, appoint a collection agency or other third party to do so, or agree a payment holiday, a revised schedule, or any other forbearance with a Buyer. Once a plan is funded, the receivable belongs to the instalment provider. Your only recourse to the Buyer is on a chargeback or a refund. You may still suspend or withdraw the Buyer’s access to the Product under your own terms.
2. You must not charge a Buyer any interest, time-price differential, service fee, late fee, card surcharge, convenience fee, or penalty in connection with an instalment transaction. The Buyer pays the price shown at checkout and nothing more.
3. You must not present a Fanvue instalment plan and a third-party financing arrangement to the same Buyer for the same purchase, where both could end up collecting.
4. You must not describe an instalment plan as a loan or a credit agreement, describe it as being provided by you, or tell a Buyer that Fanvue or the instalment provider has taken, or is going to take, any particular step in relation to their plan.
5. Where you market or deliver a Product from your own website, the disclosure required by Section 1.5 applies to instalment plans as it does to any other payment method.

12.5 Delivery and evidence

1. You must be able to deliver each Product sold on an instalment plan within the period agreed with the Buyer, and you must notify Fanvue promptly if you have reason to believe you will not be able to.
2. You must retain, and provide to Fanvue within three (3) business days of a request, evidence that a Product was delivered, including enrolment records, access logs, delivery confirmations, usage records, and correspondence. Fanvue defends payment disputes as Merchant of Record and cannot do so without that evidence, and the windows our Financial Partners allow can be as short as 24 hours.

12.6 Changes to the instalment arrangement

1. Fanvue may change or add instalment providers on at least 30 days’ written notice to you. Fanvue cannot guarantee that a replacement provider will carry Buyer default risk on the same basis, because that depends on terms Fanvue does not set. The notice will set out what the replacement offers.
2. Instalment plans already open at the date of a change continue under their existing terms until they close.

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Fanvue reserves the right to amend this Policy from time to time. The latest version will always be accessible at legal.fanvue.com, and significant changes will be communicated where required.