Gateway Terms of service

AEROPAY INTEGRATION AGREEMENT

This Integration Agreement sets out guidelines and requirements for all integrations
that utilize Aeropay’s software. The requirements listed below have been developed to
ensure that Company understands Aeropay’s expectations. Each requirement contains
a description pertaining to why it exists.

1. Authentication
Company agrees to enforce SMS 2-factor authentication for all users at the time of
registration and when users change their number via Aeropay’s Authentication or
another vendor. If Company does not require any MFA, then Company must build
Aeropay’s passwordless SMS 2FA for each transaction or participate in B2B
transactions where they are not required to enforce MFA.
Why: 2FA is an industry standard for verifying that individuals are in possession of their
personal devices/email accounts. Aeropay utilizes email/SMS 2FA to provide seamless
account verification while mitigating fraud and account takeover.

2. Accurate Merchant/User Management
Company agrees to provide complete and accurate data outputs to the best of their
ability through commercially reasonable procedures. Data transmitted is defined as a
user’s first/last name (or business name), email, and phone number. Company agrees
to make cell-phone numbers unique to the user.
Why: Aeropay’s system will not allow for duplicate accounts to be created so it is
advised that the Company does not as well. This can also prevent bad actors from
creating multiple dummy accounts on Company’s platform.

3. Age & Location Verification
Company agrees to adhere to local age and verification requirements with regards to
the products they sell and services Company provides. For example, cannabis users
must have their IDs verified and gaming users are limited to using apps in certain
States.
Why: State/Federal laws require that companies adhere to these laws in order to operate.

4. Branding
Company agrees to include the Aeropay provided package of brand assets.
Aeropay is a growing network and it is important that Company’s users understand
Aeropay’s involvement in their transactions. As Aeropay’s network grows, we expect
higher conversion on Company’s site as users become familiar with seeing Aeropay’s
brand in different places.
Why: New Open Banking features showcase Aeropay as the connection when linking a
bank on Company’s website. Showing the same logos will eliminate any confusion.

5. Messaging
Company agrees to include the Aeropay provided recommendations on their site. (i.e.
FAQs, marketing)
Why: A few short sentences can go a long way in decreasing the amount of support
requests that are received. We want to optimize any experience we can while thinking a
few steps ahead of each user.