1. Introduction
1.1 These general terms and conditions (the "Terms") govern the Quickbutik Checkout service (the "Checkout Service") provided by Quickbutik AB, reg. no. 556980-9105, Redaregatan 48, SE-252 36 Helsingborg, Sweden ("Quickbutik") to the merchant identified during the order process (the "Merchant").
1.2 The Checkout Service enables the Merchant to accept payments from its customers ("Shoppers") in the Merchant's online shop operated on the Quickbutik platform (the "Shop"). The payment services themselves (including acquiring, processing and settlement of payment transactions) are provided by Adyen N.V. ("Adyen") under a separate agreement entered into directly between the Merchant and Adyen (the "Adyen Terms").
1.3 These Terms supplement, and apply in addition to, the agreement between Quickbutik and the Merchant governing the Quickbutik platform (the "Platform Terms"). In respect of the Checkout Service, these Terms prevail over the Platform Terms.
1.4 These Terms, the Price List, the Prohibited List, the Dispute Guidelines and any other appendices referenced herein together form the "Agreement".
2. Definitions
"Activation Date" means the date on which the Checkout Service is activated for the Merchant following Adyen's approval of the Merchant.
"Business Day" means a day other than a Saturday, Sunday or public holiday in Sweden.
"Chargeback" means a Transaction that is reversed, disputed or reclaimed, in whole or in part, by a Shopper, an issuer, a Payment Method provider or any financial institution, including any associated fees, fines and costs.
"Dispute Guidelines" means Quickbutik's guidelines on response times and required documentation for Chargebacks and payment disputes, available at https://quickbutik.com/sv/legal/checkout/dispute-guidelines, as updated from time to time.
"Fees" means the fees for the Checkout Service set out in the Price List.
"Individual Terms" means an individual written agreement between Quickbutik and the Merchant (including by email confirmation) setting out terms deviating from these Terms or the Price List, such as individually agreed Fees.
"Merchant Funds" means funds held with Adyen deriving from the Merchant's Transactions and not yet paid out to the Merchant.
"Payment Method" means a payment method made available in the Checkout Service from time to time (such as cards, Swish, wallets and invoice/BNPL options).
"Price List" means Quickbutik's price list for the Checkout Service, available at https://quickbutik.com/sv/legal/checkout/price-list, as updated in accordance with these Terms.
"Prohibited List" means Quickbutik's list of prohibited and restricted products, services and activities, available at https://quickbutik.com/sv/legal/checkout/prohibited-list, together with Adyen's corresponding list available at https://www.adyen.com/legal/list-restricted-prohibited, each as updated from time to time.
"Registered Card" means the payment card registered by the Merchant with Quickbutik for payment of its Quickbutik platform subscription, as updated by the Merchant from time to time.
"Scheme Rules" means the rules, regulations and guidelines issued by card networks (such as Visa and Mastercard) and other Payment Method providers, as amended from time to time.
"Transaction" means a payment transaction initiated through the Checkout Service.
3. The Checkout Service and Quickbutik's Role
3.1 Quickbutik provides, and is responsible for the overall provision and operation of, the Checkout Service, including the checkout functionality in the Shop, onboarding assistance, administration tools, reporting and first-line support.
3.2 Quickbutik acts solely as a technical service and commerce platform provider in relation to the payment services. Quickbutik does not itself provide any regulated payment services and does not act as a payment institution, electronic money institution, credit institution or acquirer. Quickbutik does not at any time receive, hold or come into possession of Merchant Funds or Shoppers' funds. Any payment instructions, including instructions relating to payment processing, settlement, refunds, fees or allocation of funds, are transmitted to and executed by Adyen in accordance with the Adyen Terms. All regulated payment services, including the receipt, processing, safeguarding and settlement of funds, are provided by Adyen under the Adyen Terms.
3.3 Quickbutik facilitates the conclusion of the Adyen Terms between the Merchant and Adyen and assists the Merchant in its dealings with Adyen, but Quickbutik is not a party to the Adyen Terms and assumes no obligations under them.
4. The Adyen Terms and Order of Precedence
4.1 Use of the Checkout Service requires that the Merchant enters into, and remains bound by, the Adyen Terms. The Adyen Terms are presented for acceptance during onboarding (Section 5) and are available at https://www.adyen.com/legal/adyen-for-platforms-terms-and-conditions. The Adyen Terms constitute a separate, direct agreement between the Merchant and Adyen.
4.2 Adyen is under no obligation to approve the Merchant, and may reject an application, or subsequently suspend or terminate its relationship with the Merchant, in accordance with the Adyen Terms and without stating reasons. Quickbutik's confirmation of the Merchant's order does not constitute, and does not guarantee, Adyen's approval.
4.3 In the event of conflict between the documents forming or relating to the Agreement, the following order of precedence applies: (i) the Scheme Rules; (ii) the Adyen Terms, in matters concerning payment processing, settlement or the Merchant's relationship with Adyen; (iii) Individual Terms, if any; (iv) these Terms; (v) the Price List and other appendices; and (vi) documentation and guides.
4.4 The Adyen Terms and certain related documents are provided in English only.
5. Ordering, Onboarding and Verification
5.1 The Merchant orders the Checkout Service in the Shop administration by (i) accepting these Terms and the Price List, and (ii) completing Adyen's hosted onboarding, which includes acceptance of the Adyen Terms and confirmation that the Merchant does not sell anything on the Prohibited List. Quickbutik may accept or decline an order at its discretion. Quickbutik records the acceptance, including the identity of the individual accepting, time, IP address and document versions, and sends a confirmation email with the applicable documents.
5.2 These Terms and the Adyen Terms may only be accepted by a person authorised to bind the Merchant (for companies, an authorised signatory; for sole traders, the owner). The Merchant warrants that the accepting individual holds such authority.
5.3 Before activation, the Shop must display: the Merchant's own terms of purchase, a privacy policy, the Merchant's contact details including company name and registration number, accurate descriptions of products and prices, and the information required by applicable consumer law.
5.4 The Merchant shall provide the information and documentation requested by Adyen or Quickbutik for identification, verification and risk assessment (including at increased processing volumes), promptly and no later than within the deadlines communicated. If requirements remain unmet: payouts may be suspended after fourteen (14) days; the Checkout Service may be suspended after thirty (30) days; and the Agreement may be terminated after forty-two (42) days, in which case funds may be returned to Shoppers.
5.5 If the Merchant ships goods or performs services before the Merchant's verification is completed and the Checkout Service is activated, it does so at its own risk. Transactions processed before completed verification may be held or refunded to Shoppers if the Merchant is not approved, without liability for Quickbutik.
5.6 The Agreement is personal to the Merchant. A change of legal entity or company registration number requires a new onboarding; the Checkout Service is paused until the new onboarding is completed. The Merchant shall notify Quickbutik in advance of material changes to its business, product range, ownership or control.
6. Power of Attorney
6.1 The Merchant hereby authorises Quickbutik to represent the Merchant in relation to Adyen in all matters concerning the Checkout Service, including to: (a) submit to and obtain from Adyen information and documentation concerning the Merchant; (b) access the Merchant's data held by Adyen; and (c) give instructions to Adyen on the Merchant's behalf, including regarding payout frequency and schedule, risk and fraud settings, and account configuration.
6.2 The authorisation includes completing and submitting the Merchant's first PCI DSS self-assessment questionnaire (SAQ-A) on the basis of information provided by the Merchant. The Merchant is responsible for subsequent annual renewals.
6.3 The authorisation remains in force for as long as the Checkout Service is active for the Merchant and may only be revoked by deactivating the Checkout Service. Quickbutik may rely on information provided by the Merchant, and the Merchant is responsible for its accuracy and completeness.
7. Permitted Use and Prohibited Products
7.1 The Checkout Service may only be used to accept payment for the Merchant's own, genuine sales of the products and services notified during onboarding. Material changes to the product range shall be notified to Quickbutik in advance.
7.2 The Merchant may not sell or promote anything on the Prohibited List. Quickbutik and Adyen may update their respective lists from time to time; the versions published at the referenced URLs apply.
7.3 The Merchant may not: (a) act as a payment intermediary or aggregator, or resell or make the Checkout Service available to any third party; (b) process Transactions on behalf of anyone else; (c) misrepresent its business or the nature of its Transactions, including its merchant category; (d) submit Transactions for purchases made by the Merchant itself, its owners or staff, or for cash-equivalent items such as currency or crypto assets, which may be reversed; or (e) use the Checkout Service in breach of applicable law, including anti-money laundering and sanctions legislation.
8. Exclusivity and Checkout Presentation
8.1 The Checkout Service is either active or inactive for the Shop. While it is active, it is the Shop's sole checkout: the Merchant shall process all sales in the Shop through the Checkout Service and shall not offer or use any other payment solution in the Shop, other than Payment Methods that the Checkout Service does not support, where the Quickbutik platform provides for them.
8.2 The Merchant may deactivate the Checkout Service in the Shop administration at any time, with effect for new orders, and may use other payment solutions while it is inactive. Deactivation is not a breach of the Agreement and does not terminate it; the Agreement continues until it expires or is terminated in accordance with Section 20. The Merchant may reactivate the Checkout Service during the term, provided that the requirements in Section 5 are still met. Fees for Transactions processed before deactivation, Chargebacks and retained funds are handled in accordance with Section 20.5.
8.3 The Merchant may not solicit or accept payment for Shop sales outside the checkout (for example by separate bank transfer for an order placed in the Shop) and may not assign or transfer claims arising from Transactions to any third party without Quickbutik's written consent.
8.4 The Merchant may not apply terms towards Shoppers, in respect of payment, that deviate from those presented in the checkout. The Merchant's own terms of purchase govern the sale itself; the checkout describes the payment handling generically.
9. Fees and Payment
9.1 The Merchant shall pay the Fees set out in the Price List, unless deviating Fees have been agreed in Individual Terms. Fees are presented as a single combined price per event, inclusive of Adyen's processing fees. The Fees applicable to the Merchant are shown in the Shop administration.
9.2 Quickbutik collects the Fees primarily by deduction from the Merchant's settlements before payout, and the Merchant authorises Quickbutik to instruct Adyen to effect such deductions. Where deduction is not possible, Section 12.5 applies.
9.3 Fees are non-refundable. Fees attributable to a Transaction are not repaid if the Transaction is later refunded, subject to a Chargeback or otherwise reversed, and apply also to such reversed Transactions where stated in the Price List.
9.4 The Fees are adjusted annually in accordance with the change in the Swedish Consumer Price Index (CPI, published by Statistics Sweden), without prior notice. If the Merchant's actual transaction volume or mix deviates materially from the assumptions on which the Fees were based, Quickbutik may adjust the Fees with thirty (30) days' notice.
9.5 Other changes to the Price List take effect thirty (30) days after notice. If the Merchant does not accept a change under Section 9.4 or this Section 9.5, the Merchant may terminate the Agreement effective as of the date the change takes effect; continued use thereafter constitutes acceptance.
9.6 In case of late payment, interest accrues in accordance with the Swedish Interest Act (1975:635), and Quickbutik may charge statutory reminder fees and collection costs.
9.7 All Fees are exclusive of VAT and similar taxes, which are payable by the Merchant where applicable.
10. Settlement and Payouts
10.1 Settlement of Transaction proceeds is made by Adyen to the bank account registered and verified by the Merchant, in accordance with the Adyen Terms and the applicable payout schedule. Quickbutik never receives or holds Merchant Funds.
10.2 The Merchant is not entitled to interest on Merchant Funds pending payout.
10.3 Objections to a settlement or payout must be made in writing within sixty (60) days of the settlement date. Thereafter, the settlement is final and binding.
10.4 Quickbutik is not liable for delayed or failed payouts caused by Adyen, financial partners, incorrect account details provided by the Merchant, the Merchant's systems, legal or regulatory requirements, or circumstances outside Quickbutik's control.
10.5 Dormant Merchant Funds are handled in accordance with Adyen's procedures and applicable law.
11. Refunds, Chargebacks and Disputes
11.1 Refunds of Transactions shall always be made through the Checkout Service, using the same Payment Method as the original Transaction. Refunds by separate bank transfer, cash or other means outside the Checkout Service are not permitted.
11.2 A refund requires sufficient available balance. Quickbutik may decline, or hold, a refund that would create or increase a negative balance, until the Merchant has funded the shortfall.
11.3 The Merchant bears full responsibility and liability for all Chargebacks, including related Scheme Rules fees, fines and handling costs, whether arising during or after the term of the Agreement.
11.4 If Quickbutik pays, advances or is charged any amount relating to the Merchant's Chargebacks, fines or similar, the Merchant shall reimburse Quickbutik within twenty-four (24) hours of Quickbutik's notice. Late reimbursement accrues interest and costs in accordance with Section 9.6.
11.5 The Merchant shall cooperate in the handling of Chargebacks and disputes and respond to requests for information and documentation within the deadlines set out in the Dispute Guidelines. Failure to respond in time may result in the dispute being lost. Quickbutik may charge a dispute handling fee in accordance with the Price List.
11.6 The Merchant shall retain documentation evidencing each Transaction (order, delivery, communication with the Shopper) for three (3) years, and provide it to Quickbutik within three (3) Business Days of request. Documentation may be shared with Adyen, Payment Method providers and competent authorities. Translations, where required, are at the Merchant's expense.
12. Risk Management, Retention and Recovery
12.1 Exposure Amount. Quickbutik may assess the financial risk associated with the Merchant's use of the Checkout Service, based on factors such as Transaction and Chargeback history, product type, delivery times, credit information and outstanding delivery obligations (the "Exposure Amount").
12.2 Retention. Upon reasonable grounds (including suspected breach of the Agreement, elevated Chargeback or dispute levels, materially changed risk, or requirements from Adyen or a Payment Method provider), Quickbutik may instruct Adyen to withhold payouts or retain Merchant Funds up to the Exposure Amount. Quickbutik shall inform the Merchant without undue delay, stating the reason where legally permitted, and shall release retained funds when the circumstances giving rise to the retention have been resolved.
12.3 Minimum Balance. Quickbutik may require that a minimum balance is maintained on the Merchant's account with Adyen to cover anticipated refunds, Chargebacks and Fees. Quickbutik sets, and may adjust, the minimum balance based on the Merchant's risk profile, and communicates it via the Shop administration.
12.4 Payout schedule. Quickbutik may, under the authorisation in Section 6, adjust the Merchant's payout frequency where warranted by the circumstances in Section 12.2, upon three (3) consecutive months without Transactions, or where required by Adyen.
12.5 Recovery. Amounts due to Quickbutik under the Agreement may be recovered by one or more of the following: (a) set-off against, or deduction from, future settlements (by instruction to Adyen); (b) charging the Registered Card, which the Merchant hereby authorises; and (c) invoicing. Recovery from Merchant Funds and the Registered Card is limited to claims arising out of the Checkout Service; other claims that Quickbutik may have against the Merchant are not recovered in this manner. The Merchant shall keep a valid Registered Card on file; failure to do so constitutes grounds for suspension.
12.6 Negative balance. The Merchant shall promptly fund any negative balance. Refunds and payouts may be paused until the negative balance is covered.
12.7 Suspension. Quickbutik may suspend the Checkout Service, in whole or in part, upon: suspected illegal activity or activity harmful to Quickbutik's or its partners' reputation; failure to provide requested information; suspicious transaction patterns or excessive disputes; a request from Adyen, a Payment Method provider or an authority; or force majeure. Quickbutik shall notify the Merchant, state the reason where legally permitted, give the Merchant an opportunity to remedy where remediable, and lift the suspension when the grounds no longer apply.
13. Operational Obligations
13.1 The Merchant shall capture (complete) a payment only after the goods have been shipped or the service performed, and shall not capture after the authorisation has expired.
13.2 Goods shall be delivered only to the delivery address or collection point stated in the checkout for the Transaction.
13.3 Upon Quickbutik's instruction (including by email) in connection with suspected fraud, the Merchant shall immediately halt affected orders and deliveries, monitor the notified communication channels, and inform the affected Shopper.
13.4 Where a Shopper saves card details for future purchases, the Merchant shall inform the Shopper that the details are stored securely by Adyen, that CVC is required for each new purchase, and that the Shopper may request deletion. Neither Quickbutik nor the Merchant has access to full card data.
13.5 The Merchant shall issue receipts and provide the information required by applicable law, and shall use a billing descriptor that clearly identifies the Shop.
13.6 The Merchant shall follow Quickbutik's integration documentation, provide the data points required for the Checkout Service, and not circumvent its technical limitations.
14. Data Protection
14.1 The parties' roles under applicable data protection law depend on the processing activity. Where Quickbutik processes personal data on the Merchant's behalf in connection with the Checkout Service, the Merchant is the controller and Quickbutik the processor, and such processing is governed by the data processing agreement in place between the parties, available at https://quickbutik.com/sv/legal/terms-dpaa. Where a party processes personal data for its own purposes, it does so as an independent controller. The disclosure of personal data to Adyen, including where facilitated by Quickbutik under the authorisation in Section 6, does not in itself alter these roles.
14.2 Each party is responsible for its own compliance with applicable data protection law in respect of processing for which it acts as controller, including providing information to data subjects and establishing a lawful basis. The Merchant shall maintain a privacy policy in the Shop covering the processing connected to payments.
14.3 The Merchant acknowledges that Quickbutik shares Merchant and transaction data with Adyen, Payment Method providers and fraud prevention partners as necessary to provide the Checkout Service, and that Adyen processes personal data as described in Adyen's privacy statement. Quickbutik's processing is described in Quickbutik's privacy notice at https://quickbutik.com/sv/legal/integritetspolicy.
15. Security and PCI DSS
15.1 The Merchant shall comply with PCI DSS to the extent applicable to it, shall never request, store or process full card numbers or CVC outside the Checkout Service, and shall keep its administration credentials secure.
15.2 The SAQ-A questionnaire is handled in accordance with Section 6.2. The Merchant shall notify Quickbutik without undue delay of any suspected security incident affecting the Shop or payment data.
16. Intellectual Property and Marketing
16.1 All intellectual property rights in the Checkout Service belong to Quickbutik or its licensors. The Merchant receives a non-exclusive, non-transferable right to use the Checkout Service during the term of the Agreement.
16.2 The Merchant grants Quickbutik the right to use the Merchant's name and logo to identify the Merchant as a user of the Checkout Service in marketing and reference materials. The Merchant may object in writing, in which case such use shall cease within a reasonable time.
16.3 Payment Method logos and marks may only be used in accordance with the applicable Scheme Rules and shall be removed upon termination.
17. Confidentiality
17.1 Each party shall keep confidential all non-public information received from the other party in connection with the Agreement, use it only for the performance of the Agreement, and protect it with reasonable care. This obligation survives for two (2) years after termination. Disclosures required by law, authority, Adyen, Payment Method providers or the parties' professional advisers are permitted.
18. Availability and Disclaimers
18.1 The Checkout Service depends on services provided by Adyen, Payment Method providers, banks and other third parties. Quickbutik does not warrant uninterrupted or error-free availability of the Checkout Service or of any Payment Method, and third parties may suspend, restrict or modify their services without Quickbutik being liable to the Merchant. Quickbutik shall inform the Merchant of material disruptions where reasonably possible.
18.2 Except as expressly stated in the Agreement, the Checkout Service is provided "as is" without warranties of any kind, to the extent permitted by law.
19. Liability and Indemnification
19.1 Neither party is liable for indirect or consequential loss, including loss of profit, revenue, data, goodwill or anticipated savings.
19.2 Quickbutik is not liable for acts or omissions of Adyen, financial partners or Payment Method providers, for the availability, approval or termination of any Payment Method or of the Merchant's relationship with Adyen, or for losses covered by Sections 10.4 and 18.
19.3 Quickbutik's total aggregate liability under the Agreement is limited to the Fees paid by the Merchant during the three (3) months immediately preceding the event giving rise to the claim.
19.4 The limitations and exclusions in this Section 19 do not apply in case of fraud, wilful misconduct or gross negligence, or to the extent that liability cannot be excluded or limited under applicable law. Nothing in this Section 19 limits the Merchant's payment, reimbursement, indemnification or other monetary obligations under the Agreement.
19.5 The Merchant shall indemnify and hold Quickbutik harmless from all claims, fines, fees, taxes, Chargebacks and losses (including reasonable legal costs) arising from: the Merchant's breach of the Agreement, the Adyen Terms or the Scheme Rules; the Merchant's products, services or relationship with Shoppers; fines or sanctions imposed by Payment Method providers due to the Merchant; and claims from tax or other authorities relating to the Merchant's business.
20. Term and Termination
20.1 The Agreement enters into force upon the Merchant's acceptance and applies for an initial term of three (3) months from the Activation Date. Thereafter it is automatically renewed for successive three (3) month periods, unless terminated in writing by either party no later than one (1) month before the end of the then-current period.
20.2 Quickbutik may terminate the Agreement with immediate effect if: (a) the Merchant commits a material breach not remedied within ten (10) days of notice, or commits repeated breaches; (b) the Merchant has provided false or misleading information; (c) the Merchant is subject to insolvency proceedings or is evidently insolvent; (d) the Merchant's payment of amounts due is delayed by more than fourteen (14) days; (e) no Transactions have been processed for three (3) consecutive months; (f) Adyen rejects, suspends or terminates its relationship with the Merchant; (g) Quickbutik's agreement with Adyen or a relevant Payment Method provider expires or is terminated; or (h) required by law, an authority or the Scheme Rules.
20.3 The Merchant may terminate the Agreement with immediate effect upon Quickbutik's material breach not remedied within thirty (30) days of notice.
20.4 If the Shop is deleted or the Platform Terms are terminated, the Agreement terminates automatically no later than one hundred and fifty (150) days thereafter, unless terminated earlier under this Section 20.
20.5 Upon termination: the Merchant shall stop submitting new Transactions and complete pending ones; accrued Fees and payment obligations remain due; retention rights under Section 12 continue for as long as Chargebacks or other liabilities may arise; and the Merchant's relationship with Adyen is handled in accordance with the Adyen Terms. Sections 9, 11, 12, 14, 16.3, 17, 19, 20.5 and 22 survive termination.
21. Amendments
21.1 Quickbutik may amend these Terms. Amendments required by law, an authority, the Scheme Rules, Adyen or another Payment Method provider take effect sixty (60) days after notice, or earlier where so mandated. Other amendments take effect upon publication in the Shop administration or on Quickbutik's website.
21.2 If an amendment under the first sentence of Section 21.1 is materially detrimental to the Merchant, the Merchant may terminate the Agreement effective as of the date the amendment takes effect, provided notice is given before that date. Continued use of the Checkout Service after the effective date constitutes acceptance. Fee changes are governed by Section 9.
22. Notices
22.1 Notices are given via the Shop administration or by email to the addresses registered by the parties. A notice is deemed received: by email, on the Business Day it is sent; via the Shop administration, when made available. The Merchant shall keep its contact details up to date.
23. Miscellaneous
23.1 Quickbutik may assign the Agreement, in whole or in part, to a group company or in connection with a transfer of business, and may use subcontractors. The Merchant may not assign the Agreement without Quickbutik's written consent.
23.2 The Agreement constitutes the entire agreement between the parties regarding the Checkout Service and supersedes prior arrangements on the subject.
23.3 If any provision is held invalid, the remainder of the Agreement remains in force and the provision shall be adjusted to the minimum extent necessary.
23.4 A party's failure to enforce a provision is not a waiver of its right to do so later.
23.5 Neither party is liable for failure or delay in performance (other than payment obligations) caused by circumstances beyond its reasonable control, such as natural disasters, war, terrorism, labour disputes, power or telecommunications failures, failures of payment infrastructure or other third-party services, epidemics, or acts of authorities. The affected party shall notify the other party without undue delay and use reasonable efforts to mitigate the effects. If such a circumstance continues for more than three (3) months, either party may terminate the Agreement with immediate effect.
23.6 All support and communication regarding the Checkout Service shall be directed to Quickbutik. The Merchant shall not contact Adyen directly unless instructed by Quickbutik.
24. Governing Law and Disputes
24.1 The Agreement is governed by Swedish law, without regard to its conflict of law rules.
24.2 Disputes arising out of or in connection with the Agreement shall be settled by Swedish general courts, with Helsingborg District Court (Sw. Helsingborgs tingsrätt) as the court of first instance.
Appendices
- Appendix 1: Price List, available at https://quickbutik.com/sv/legal/checkout/price-list
- Appendix 2: Prohibited List, available at https://quickbutik.com/sv/legal/checkout/prohibited-list
- Appendix 3: Dispute Guidelines, available at https://quickbutik.com/sv/legal/checkout/dispute-guidelines