Sample Contracts

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This page summarises the contractual framework that governs the relationship between PT UNIT GLOBAL SYSTEM and its merchants. It is a non-binding overview; the binding instruments are the Service Agreement and any addenda counter-signed between UnitPay and the specific merchant entity at onboarding.

1. Service Agreement summary

The Merchant Service Agreement is the master contract between UnitPay and a merchant. It establishes the scope of services, fees, settlement terms, mutual obligations, representations, warranties, term, termination, liability, indemnity, confidentiality, governing law, and dispute resolution.

The Service Agreement is provided as a counter-signed PDF during onboarding; an unsigned reference copy is available on request to legal@unitpay.net for prospects evaluating UnitPay against alternative providers. Reference copies are watermarked and not intended for execution.

Indonesian-language and English-language versions of the Service Agreement are made available together. Per Law 24 of 2009, the Indonesian-language version is the controlling text where the counterparty is an Indonesian legal entity; the English version supports cross-border review.

Material commercial variations (volume tiering, sector-specific obligations, additional reporting commitments) are recorded in addenda to the Service Agreement so that the master text remains stable and the merchant-specific specifics are clearly delineated.

2. Standard commercial terms

Default commercial terms include:

  • Primary settlement currency: Indonesian Rupiah (IDR). USD and EUR settlement available for qualified merchants.
  • Settlement timing: T+2 working days for card transactions; T+1 for virtual account and e-wallet; near-real-time for BI-FAST during operating hours.
  • Fees: per the published fee schedule on our pricing page; volume tiers and category-specific rates negotiated in the Service Agreement.
  • Indonesian VAT (PPN at the prevailing statutory rate, currently 11%) applied where required by the Director General of Taxes.
  • Rolling reserve, where applicable, set in line with risk tier and chargeback profile.
  • Withdrawal frequency and cut-off times documented in the merchant cabinet; cross-currency conversions performed at the prevailing market rate plus a documented spread.

Settlement to merchant bank accounts uses Indonesian rails wherever possible (BI-FAST or domestic ACH). For non-IDR settlement, the merchant's nominated foreign-currency account must be reachable through correspondent banking arrangements that satisfy our anti-money-laundering controls.

3. Service levels

The Service Agreement sets out service-level commitments for production payment processing, including a target availability of 99.9% measured monthly, excluding scheduled maintenance announced at least 48 hours in advance.

Support response levels are tiered by issue severity:

  • Severity 1 (production outage on the merchant's traffic): 30-minute acknowledgement, continuous engagement until resolution.
  • Severity 2 (degraded function impacting a payment method or rail): 4-hour acknowledgement, working-hour engagement until resolution.
  • Severity 3 (non-blocking issue or general question): 48-hour acknowledgement under the standard support baseline.

Severity 1 incidents are also handled under our Dispute Resolution and Complaint Handling framework where customer impact is sustained.

Service-level credits, where applicable, are calculated against the affected month's fees and applied in the following invoice. Force-majeure events, regulator-mandated downtime, and incidents attributable to merchant integration errors are excluded from SLA calculations.

4. Crypto Service Addendum

The Crypto Service Addendum is a discrete addendum to the Service Agreement and applies only to merchants who have specifically opted in. Without an opted-in addendum, no UnitPay services include cryptocurrency components.

Merchants electing to use UnitPay's USDT-on-Tron payout capability sign a separate Crypto Service Addendum to the Service Agreement. The addendum addresses:

  • Regulatory framework: services within the addendum operate consistent with the Indonesian commodity-asset framework administered by Bappebti, with UnitPay's role limited to facilitation of payouts in stablecoin form to merchant-controlled wallets.
  • Wallet ownership verification: merchants confirm ownership of every receiving wallet through cryptographic signing or test-transaction verification.
  • Network fees: passed through at cost, transparent on the merchant statement.
  • No on-input crypto acceptance: UnitPay does not currently accept cryptocurrency from end customers as a payment method; the addendum covers payouts only, on the merchant side.
  • Sanctions and AML: stablecoin payouts are subject to the same AML and sanctions screening as fiat payouts, including the wallet-address screening described in our AML and CFT Statement.

5. Data Processing Agreement

UnitPay enters into a Data Processing Agreement (DPA) with every merchant whose integration causes UnitPay to process personal data of the merchant's customers. The DPA is compliant with UU PDP and, where applicable, with GDPR Article 28. It defines:

  • Roles: UnitPay is the data controller for KYC and AML data we collect about merchant directors and ultimate beneficial owners; for transaction-level data of the merchant's customers, UnitPay processes such data partly as controller (for our own anti-fraud and AML obligations) and partly as processor (where the merchant is the controller of customer-relationship data).
  • Categories of data processed, retention, security, and sub-processor list.
  • Data subject rights handover and notice obligations.
  • International transfer safeguards in line with UU PDP Article 56.
  • Audit rights and breach-notification timelines.
  • End-of-relationship data handling: return, deletion, or retention with documented lawful basis.

The DPA is reviewed at the same cadence as the Service Agreement and updated when material regulatory changes (for example, implementing regulations under UU PDP) come into force. Updates are notified to the merchant under the amendment-and-notice provisions in section 8.

6. Termination

Either party may terminate the Service Agreement on 30 days written notice without cause. UnitPay may terminate immediately, on written notice, in cases including material breach of the Acceptable Use Policy, persistent AML or risk events, regulator instruction, or insolvency of the merchant.

Termination procedure, including treatment of pending transactions and remaining funds, follows the Account Suspension and Blocking Rules. The merchant retains read-only access to historical transaction data through the merchant cabinet for 12 months after closure to support reconciliation and audit.

Termination by the merchant for cause (UnitPay material breach not remedied within reasonable cure period) entitles the merchant to a fee refund pro-rated to the unexecuted services and to recovery of remaining balance in line with the standard closure procedure.

Surviving obligations include confidentiality, retention obligations under UU TPPU and UU PDP, settlement of outstanding amounts, and the parties' respective indemnification commitments. Surviving obligations remain in force notwithstanding termination of the active commercial relationship.

7. Governing law and dispute resolution

The Service Agreement is governed by Indonesian law. The parties undertake to resolve disputes amicably in good faith. Where amicable resolution fails:

  • Customer-facing disputes are handled through our Dispute Resolution and Complaint Handling framework, with escalation to LAPS SJK and OJK consumer hotline 157 per POJK 18/2018.
  • Inter-party commercial disputes are referred to the Indonesian Arbitration Centre (BANI) seated in Jakarta, in line with the Indonesian Arbitration and Alternative Dispute Resolution Law.
  • Procedural matters before BANI follow the BANI Rules of Arbitration in force at the time of submission, with proceedings conducted in Bahasa Indonesia unless the parties agree otherwise.

Nothing in this section limits either party's right to seek interim or injunctive relief from a court of competent jurisdiction in support of arbitration. Regulatory enforcement actions by Bank Indonesia, OJK, or PPATK are not commercial disputes within the meaning of this section.

8. Amendments and notice

UnitPay may amend the Service Agreement, the Acceptable Use Policy, the UU PDP Personal Data Notice, and other policies referenced in the Service Agreement, on at least 30 days written notice through email to the merchant primary contact and a banner in the merchant cabinet.

Continued use of UnitPay services after the notice period constitutes acceptance of the amended terms. Material amendments that adversely affect merchant rights provide a right to terminate without penalty within the notice period.

Where an amendment is required by law, regulator instruction, or external event outside UnitPay's reasonable control (for example, a sanctions designation that requires an immediate change), the notice period may be shorter and the merchant retains the right-to-terminate-without-penalty for the affected period.

For the avoidance of doubt, this Sample Contracts page itself is informational and does not amend the binding instruments. The binding amendments flow through the Service Agreement and addenda counter-signed between UnitPay and the merchant.

Effective date: 06 May 2026