Discover is a payment card and credit card network offering financial services. Known for their innovative financial products and customer service offerings, which has helped keep them competitive in the credit card industry. If you see charges such as “Represented Internet Payment Thank You Charge,” that could indicate online payment/transaction fees being assessed against your Discover statement.
Discover is widely accepted worldwide, yet does not enjoy the same reach as Visa and Mastercard. This may present difficulties for businesses that wish to expand globally or serve a diverse customer base; therefore Discover suggests partnering with local payment networks.
To use Discover Click to Pay, it is first necessary to obtain a Discover merchant account – this is a type of business bank account which allows you to accept debit and credit card payments. A Discover merchant account may be obtained from banks, independent sales organizations, payment service providers or payment processors. After opening one, terms and conditions must be agreed upon outlining fees and requirements associated with accepting Discover payments.
Your transactions must also adhere to any additional third-party Terms and Conditions that pertain to them, such as accepting their privacy policies. If these do not agree, do not use Discover Click to Pay.
Discover Click to Pay is designed to streamline transactions between merchants or other third parties and consumers, sending payment and associated information directly. If the merchant or other third party cannot process your payment, Discover will provide notice; should there be any disputes with one or more merchants or third parties involved directly, direct communication should be initiated directly between you.
As part of your use or inability to use Discover Click to Pay, you hereby indemnify, defend and hold harmless the Discover Parties against any actual or alleged claims, losses, damages or expenses (including attorneys’ fees) related to its usage; including without limitation any claim that its Program or Services are incomplete or inaccurate.
Discover may, at its sole discretion and for any reason whatsoever, suspend or terminate your access to the Program and Services and Profile at any time for any reason whatsoever. In the event that Discover believes you have violated these Terms or other Applicable Law in some way, Discover may also impose limits on how often and for how long you use the Program/Services.
Discover may request feedback on its Program or Services from time to time, and you agree that Discover may use such feedback in any manner or for any purpose, without obligation to pay you compensation or credit in return. Furthermore, you abide by the requirements set out herein to submit any claims against Discover to arbitration as specified under these Terms before commencing court action against Discover.
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