Contract for One Time Transaction
INFORMATION FORM BEFORE TO ONE-TIME PAYMENT TRANSACTION
WITHIN THE SCOPE OF LAW NO. 6493 AND RELATED LEGISLATION
This document has been prepared to inform our customers about one-time payment transactions pursuant to the Article 38 titled as "Information Before One-Time Payment Transaction" of the Regulation on Payment Services and Electronic Money Issuance and Payment Service Providers ("Regulation") published within the scope of the Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions, which entered into force after being published in the Official Gazette dated as 27.06.2013.
One-time payment transaction is money transfer transaction that is not covered by the framework agreement and is not a continuous periodic payment transaction.
The details of the one-time payment transactions offered by A Ödeme ve Elektronik Para Hizmetleri A.Ş. (“A Ödeme”) are as stated below, but not limited to them.
1) INFORMATION TO BE SHARED WITH A ÖDEME BY OUR CUSTOMERS
In order for the transactions to be carried out by A Ödeme customers, the following information must be provided in a complete and accurate way.
Transfer Information
Reference No
Type of Transaction
Currency Type / Amount
Sender Information
First Name-Last Name
Phone/Fax Number
E-Mail Address
Address
Recipient Information
First Name-Last Name
Father's name
Phone/Fax Number
Address
Country/City
Transfer Account Information
The Name of The Bank
IBAN / Branch Code/ Account No/ Swift Code/ Credit Card No
The Purpose of the Transfer
Source of Income
Occupation Information
Other Information
The Purpose of the Transfer
Source of Income
Profession Details
2) FINALIZATION DURATION OF TRANSFERS
The finalization duration of EFT Transactions are indicated below;
EFTs which are performed until 17:00 on business days are performed within the same day or on the following day or EFTs which are performed on days other than a business day are performed on the next business day during EFT hours.
The finalization times of Paying/Shipping of Transactions abroad are indicated below;
The transfer is ready for collection on the system within 5 minutes. Paying payback of the balance of the transfers to the purchaser is under the responsibility of the Payment Service Provider.
3) PAYMENT INFORMATION AND SCHEME
The information stated below is shared with the user before the transaction is processed and is included in the receipt. The customer's signature is taken on the receipt.
Transaction Fee/ Expense
Tax
Total Fee
Exchange Rate Information
In the event that foreign exchange rate is applied in addition to transaction commissions, A Ödeme generates income due to exchange rate differences. In these cases, the customer is informed by using the exchange rates determined by A Ödeme.
4) CANCELLATION/REFUND AND COST REFUND PROCESS OF TRANSFERS
Channels to Request a Refund
A refund request can be made through the agency and branch channels.
5) FOREIGN CURRENCY TRANSFER TRANSACTIONS
a) It is checked whether the transfer is paid to the recipient through the intermediary institution. If the payment is not made, the cancellation/refund process is initiated for the customer.
b) Refund requests made on the same day are evaluated under the status of “cancellation”. If requested on a different day, it shall be evaluated in the status of “refund”.
c) The transactions evaluated in the cancellation status shall be refunded together with the cost. The refund process is carried out by A Ödeme depending on the working conditions and integrations of intermediary firms.
d) The transactions evaluated in the return status are returned with or without cost in accordance with the following criteria.
Situations caused by personnel fault;
It is the refund made as a result of faults (incorrect amount/ country, etc.) aroused from the work of agency staff.
If requested, the cost is refunded by being subject to approval.
Situations caused by the system error;
It is the case of payment as a refund aroused from errors caused by the A Ödeme system or the counterparty institution's system. If requested, the cost is refunded by being subject to approval.
Other reasons;
In case of any distance from the intermediary firm payment point; the cost is refunded subject to approval if requested.
In case of any exceeding payment limit in the intermediary firm point; the cost is refunded subject to approval if requested.
In case of the situation that the intermediary firm payment point does not have the authority to make payment; the cost is refunded subject to approval if requested.
In case a refund is requested due to a change in the purchaser’s name, country and amount, the cost is refunded provided that the transaction is repeated. If the transaction is not repeated, the expense is not refunded.
6) FOREIGN CURRENCY PAYMENT TRANSACTIONS
Since no expenses are charged to our customer during the refund process of payment transactions, there is no refund of expenses.
The refund of the transaction amount is subject to approval.
Payment transactions that have not been received by the payee within 30 business days are refunded without any cost.
7) EFT (ELECTRONIC MONEY TRANSFER) TRANSACTIONS
• A refund is made together with the cost of the EFT provided that it is not forwarded to the intermediary bank.
• There is no refund of the transfer sent to the intermediary bank.
• During the payment of the EFT that is refunded due to various reasons to the sender; the amount that the bank sends is refunded without any expense. However, it may cause some decreases in EFT amounts due to deductions by the receiving bank and/or for reasons not arising from A Ödeme. A Ödeme does not have any responsibility for these decreases in amounts.