Merchant Payments Addendum for Petunia

Last Updated: April 7, 2026

Review the payment-specific terms that apply when a business uses Petunia's payment-related services.

Overview

This Merchant Payments Addendum ("Addendum") forms part of the agreement between Berkley Creek Software LLC d/b/a Petunia ("Petunia") and the business accepting this Addendum ("Merchant"). This Addendum applies to Merchant's access to and use of Petunia's payment-related services ("Payments Services"). If this Addendum conflicts with Petunia's general terms for Payments Services, this Addendum controls for the Payments Services.

Key Definitions

• Applicable Law means applicable laws, regulations, regulator guidance, payment-network rules, and processor requirements.
• Country-Specific Payments Module means a country-, corridor-, payout-, payment-method-, or recovery-method-specific addendum, pricing schedule, or written activation notice issued by Petunia.
• Enabled Recovery Method means a recovery method that Petunia has activated for Merchant in an active Country-Specific Payments Module or other written notice applicable to Merchant.
• Hold means a temporary restriction on payouts or on amounts otherwise payable to Merchant.
• Payment Processor means Stripe and any successor processor Petunia designates.
• Processor Account means one or more accounts, including connected accounts, that Petunia creates, connects, accesses, or maintains with the Payment Processor in order to provide the Payments Services to Merchant.
• Processor Termsmeans the applicable Payment Processor terms, service agreements, policies, and documentation that apply to Merchant's Processor Account, country, and payment configuration.

Activation and Required Acceptance

Merchant must accept this Addendum, Petunia's Terms of Service, Petunia's Privacy Policy, and any applicable Processor Terms before Payments Services are enabled. The individual accepting this Addendum represents that they are authorized to bind Merchant. Petunia may require renewed certification, renewed acceptance, or updated onboarding information if Merchant's legal entity, beneficial ownership, verified tax identifier, country, payout account, service-agreement type, or other material payments-risk information changes. Petunia may delay activation of, suspend, or limit Payments Services until required acceptance, reacceptance, certification, or onboarding updates are complete.

Payment Processor and Payments Program

Petunia may create, connect, access, or maintain one or more Processor Accounts for Merchant in order to provide the Payments Services, including connected-account structures supported by the Payment Processor. Merchant acknowledges that payment capabilities, payout methods, payout timing, currencies, recovery tools, dispute tools, and compliance requirements may vary based on Merchant's country, service-agreement type, Processor Account configuration, Payment Processor support, and Applicable Law. Merchant authorizes Petunia to provide Merchant information, transaction information, dispute information, and compliance information to the Payment Processor, banks, payment networks, service providers, and regulators to the extent reasonably necessary to provide the Payments Services, comply with Applicable Law, or enforce this Addendum, subject to Petunia's Privacy Policy. Merchant also acknowledges that, under Petunia's current payments program and payment flows, the Payment Processor may debit, withhold, reverse, or otherwise apply certain payment-related losses against Petunia first. As between Petunia and Merchant, Merchant remains responsible for amounts Merchant owes under this Addendum.

Merchant Information and Ongoing Accuracy

Merchant must provide complete, accurate, and current business, ownership, tax, payout, and contact information. Merchant must promptly notify Petunia of material changes to Merchant's legal entity, beneficial ownership, verified tax identifier, principal country, payout account, business model, or customer-facing policies relevant to the Payments Services. Merchant is responsible for making sure its customer-facing pricing, cancellation, refund, fulfillment, and contact policies are accurate, current, and lawful.

Responsibility for Payment-Related Amounts

As between Petunia and Merchant, Merchant is responsible for and must reimburse Petunia for refunds, disputes, chargebacks, reversals, returned payment items, and processor, bank, and payment-network fees actually imposed on Petunia, in each case to the extent arising from Merchant's transactions, services, customers, conduct, customer-facing policies, or breach of this Addendum. Merchant is also responsible for and must reimburse Petunia for fraud-related losses to the extent arising from Merchant's transactions, services, customers, conduct, customer-facing policies, or breach of this Addendum. Merchant is not responsible under this Section to the extent a loss was caused solely by Petunia's own breach of this Addendum, gross negligence, or willful misconduct, where that carveout is enforceable or required by Applicable Law. These obligations survive suspension or termination of the Payments Services.

Cooperation, Evidence, and Records

Merchant must promptly cooperate with Petunia and the Payment Processor in connection with refunds, disputes, fraud reviews, compliance reviews, and payment investigations. Within the deadline stated in Petunia's request, Merchant must provide truthful, complete, and non-misleading information and evidence, preserve relevant communications, service records, invoices, booking data, cancellation records, and refund records, and authorize Petunia to submit evidence on Merchant's behalf where appropriate. Merchant must keep records sufficient to support refunds, disputes, and compliance reviews for at least the longer of twenty-four months after the relevant transaction, any longer period required by Applicable Law, or any longer period required by the Payment Processor or payment networks.

Payout Timing, Payout Pauses, and Holds

Merchant acknowledges that ordinary payout timing may vary based on country, currency, payment method, verification status, account configuration, and the Payment Processor's standard settlement and payout schedule. Where permitted by Applicable Law and where supported by the Payment Processor and Merchant's configuration, Petunia may temporarily pause payouts to Merchant, block or limit Merchant's ability to accept new payments through Petunia, or place a Hold on amounts otherwise payable to Merchant, in each case only to the extent reasonably necessary to complete verification, comply with Applicable Law or Processor Terms, investigate fraud or misuse, address a negative balance, or cover reasonably anticipated refunds, disputes, reversals, processor-imposed fines, or fraud-related losses. Petunia will use commercially reasonable efforts to review any action taken under this Section on a reasonable cadence and to lift the action when the stated basis no longer applies, unless Applicable Law, Processor Terms, or a bank, regulator, or payment network requires otherwise. No reserve program, extended payout-delay program, or manual-payout risk program applies unless described in an active Country-Specific Payments Module or other written notice applicable to Merchant.

Recovery Methods

Subject to Applicable Law, Processor Terms, payment-network rules, and the payment flow actually used, Petunia may recover amounts Merchant owes under this Addendum by reversing or reducing a transfer relating to the relevant transaction where supported by the Payment Processor and not prohibited by applicable cross-border or other restrictions, netting the amount against future funds otherwise payable by Petunia to the same Merchant legal entity through the same Petunia payments program, or retaining funds already subject to a lawful Hold until the related obligation is resolved. Petunia may use an additional recovery method only if that method is supported by the Payment Processor for Merchant's country, region, corridor, and account configuration, permitted by Applicable Law, and disclosed to Merchant in an active Country-Specific Payments Module or other written notice applicable to Merchant, and separately accepted by Merchant where required. Without limiting the prior sentence, additional recovery methods may include debiting Merchant's balance with the Payment Processor, enabling the Payment Processor to debit a linked external bank account for a negative balance, or another locally documented recovery method expressly described in a Country-Specific Payments Module. Petunia will not use a recovery method that is not described in this Addendum or in an active Country-Specific Payments Module or other written notice applicable to Merchant.

Fees and Pricing

Merchant will pay the fees set out in Merchant's order form, pricing schedule, Country-Specific Payments Module, or other written pricing terms accepted by Merchant. Petunia may pass through processor, bank, and payment-network fees actually charged to Petunia because of Merchant's transactions, disputes, reversals, or returned payment items only if those fees are listed in Merchant's pricing schedule or otherwise disclosed before they are applied. Any Petunia-imposed risk-based pricing, reserve fee, dispute-handling fee, refund-processing fee, negative-balance recovery fee, or similar business-side risk fee applies only if set out in a pricing schedule or Country-Specific Payments Module accepted by Merchant where required by Applicable Law.

Suspension and Termination

Petunia may suspend, restrict, or terminate some or all Payments Services if Merchant fails to complete required onboarding, acceptance, verification, or remediation, provides inaccurate, incomplete, or misleading information, breaches this Addendum, Processor Terms, or Petunia's acceptance policy, presents material fraud, compliance, legal, reputational, or collection risk, engages in activities prohibited by Applicable Law, Processor Terms, or Petunia's acceptance policy, or if continued processing would reasonably expose Petunia, Merchant, customers, or the Payment Processor to material harm. Suspension or termination does not affect Merchant's obligation to pay amounts already owed.

Country-Specific Payments Modules and Replacement Accounts

Petunia may require Merchant to accept a Country-Specific Payments Module before enabling or continuing any Payments Services or recovery method that is country-, corridor-, payout-, payment-method-, or risk-control-specific. A Country-Specific Payments Module may be required if Merchant's country, payout country, currency, service-agreement type, account configuration, or enabled recovery methods change, or if Applicable Law or Processor Terms change. If the Payment Processor treats a required field as immutable, or otherwise requires a new Processor Account to support an updated configuration, Merchant must complete onboarding for the replacement account and accept the applicable terms before continued use of the affected Payments Services.

Electronic Records and Notices

Merchant agrees that Petunia may use electronic records to evidence acceptance of this Addendum and related terms. Petunia may rely on records of acceptance and notice delivery, including timestamps, IP address, user agent, device or browser information, user identity, terms version, and displayed disclosures, to the extent permitted by Applicable Law.

Survival

Sections covering responsibility for payment-related amounts, cooperation and records, recovery methods, fees and pricing, payment obligations that remain due after suspension or termination, country-specific payments modules, electronic records, and any provisions that by their nature should survive, survive suspension or termination of the Payments Services.