Legal Requirements

About

Reach is a merchant of record payment processing platform for retail merchants selling internationally. As a merchant of record, Reach is required to display our corporate entity name and country within the checkout process for all transactions processed via our merchant accounts.
The card schemes have strict rules for the messaging during check-out to avoid any customer confusion about the parties involved in the checkout process.

Website Disclosure Requirements

In addition to the merchant outlet location requirements, standard website disclosure requirements must be prominently displayed and available on your website(s):

Visa brand logo in color
Complete description of the products/services you sell
Full refund/return policy
Customer support contact details including email and phone number
Address of your permanent/primary business location
Delivery policy including any policies on split shipment
Terms of Use including reference to Reach
Privacy policy

For badge requirements visit our Badge Guidelines

Badge Examples

Display Banner and Badge

Reach's /badge API request addresses these requirements by providing the information to display a Banner and a Badge element in the customer journey.

Banner
The Banner element should display the first time your customer visits your store. Details of the Banner are returned in the /badge API call.

Badge
The Badge element should display during the checkout flow to show the customer that Reach acts as merchant of record for the transaction. Details of the Badge are returned in the /badge API call.

https://checkout.rch.how/v2.22/badge?MerchantId=<Sandbox MerchantId>&Theme=<theme>

https://checkout.rch.how/v2.22/badge?MerchantId=2a144a21-066a-42fe-a553-736a777e39e2&Theme=light

{
    "Text": "By completing your order, you will check out with Reach US, our preferred international seller, and agree to the Terms of Service of Reach US.",
    "Html": "<div class=\"reach--disclosure reach--payment--banner reach--payment--banner-light\">  <div class=\"reach--logo\">  <img src=\"https://st.rch.io/logos/reach-verified-logo-grey.svg\" alt=\"Reach Verified Badge\">  </div>  <div class=\"reach--content\">  <p>  By completing your order, you will check out with Reach US, our preferred international seller, and agree to the  <a class=\"reach--inline-link\" href=\"https://assets.rch.red/service/terms-of-service?MerchantId=18da9ea3-f9ac-4e64-8405-d301f079a658\" title=\"Read Terms of Service\" target=\"reach\">Terms of Service</a> of <strong>Reach US</strong>.  </p>  </div> </div>",
    "ImageUrl": "https://st.rch.io/logos/reach-verified-logo-grey.svg",
    "FlagImageUrl": "https://st.rch.io/flags/US.png",
    "TermsOfServiceUrl": "https://assets.rch.red/service/terms-of-service?MerchantId=18da9ea3-f9ac-4e64-8405-d301f079a658",
    "MerchantOfRecord": "Reach US",
    "MerchantOfRecordUrl": "https://withreach.com",
    "MerchantName": "Jenna's Capes"
}

📘
The theme of the badge is specified by the Theme parameter. Valid values for theme are: light or dark. If the Theme parameter is not specified, the request will default to the light theme.

The location declaration badge must be displayed prior to the final confirmation of the transaction by the customer. The badge may be displayed on the final order confirmation screen or in the pages leading up to final confirmation page.

Be advised that a link to a separate webpage is not accepted by the schemes; location information must be disclosed within the checkout.

Render Banner and Badge Server-Side

An IP address may also be added to the /badge request to generate the Badge on the server and serve the result to your client. The /badge response will be based on the IP specified rather than the IP associated with the request.

https://checkout.rch.how/v2.22/badge?MerchantId=<MerchantId>&Theme=<theme>&ConsumerIpAddress=<ip_address>

https://checkout.rch.how/v2.22/badge?MerchantId=2a144a21-066a-42fe-a553-736a777e39e2&Theme=dark&ConsumerIpAddress=153.128.10.226

{
    "Text": "By completing your order, you will check out with Reach US, our preferred international seller, and agree to the Terms of Service of Reach US.",
    "Html": "<div class=\"reach--disclosure reach--payment--banner reach--payment--banner-dark\">  <div class=\"reach--logo\">  <img src=\"https://st.rch.io/logos/reach-verified-logo-white.svg\" alt=\"Reach Verified Badge\">  </div>  <div class=\"reach--content\">  <p>  By completing your order, you will check out with Reach US, our preferred international seller, and agree to the  <a class=\"reach--inline-link\" href=\"https://assets.rch.red/service/terms-of-service?MerchantId=18da9ea3-f9ac-4e64-8405-d301f079a658\" title=\"Read Terms of Service\" target=\"reach\">Terms of Service</a> of <strong>Reach US</strong>.  </p>  </div> </div>",
    "ImageUrl": "https://st.rch.io/logos/reach-verified-logo-white.svg",
    "FlagImageUrl": "https://st.rch.io/flags/US.png",
    "TermsOfServiceUrl": "https://assets.rch.red/service/terms-of-service?MerchantId=18da9ea3-f9ac-4e64-8405-d301f079a658",
    "MerchantOfRecord": "Reach US",
    "MerchantOfRecordUrl": "https://withreach.com",
    "MerchantName": "Jenna's Capes"
}

Legal

For full information regarding card brand rules updates to same please consult each brand website directly, as this notice is not a legal opinion and should not be treated as legal advice.