Merchant Payments & Remittance Policy

1. Introduction

This Merchant Payments and Remittance Policy explains how payment processing, remittance, refunds, reversals, chargebacks, and related payment operations work for merchants using Brewster.

This policy forms part of the Brewster legal framework and should be read together with the Brewster Terms of Service and Privacy Policy.

Brewster is operated by Olio Technologies (Pty) Ltd trading as Brewster ("Brewster", "we", "us", or "our").

2. Scope

This policy applies to merchants, stores, and authorised merchant users using Brewster in connection with:

• customer payment processing;
• merchant subscription billing;
• Brewster-managed Yoco gateway stores;
• merchant-managed Yoco gateway stores;
• cash on pickup stores;
• refunds, reversals, and chargebacks; and
• weekly remittance and payout handling.

3. Payment Models Available on Brewster

Brewster supports different store-level payment models. Payment setup and pricing are applied per store, not per tenant. A single tenant may operate multiple stores under different payment models.

The following payment models are supported unless otherwise agreed in writing:

• Cash on Pickup Store: R299 per store per month.
• Brewster-Managed Yoco Gateway Store: R199 per store per month plus 3.5% processing fees, capped at R12 per order.
• Merchant-Managed Yoco Gateway Store: R699 per store per month.

4. Merchant Subscription Billing

Merchant subscription charges are billed at store level according to the payment model selected for each store.

Each store has its own configured billing date. A store billing date may be the 25th, 26th, 27th, 28th, or the 1st of the following month, depending on the applicable store setup.

If a merchant cancels a store subscription, the cancellation takes effect at the end of that store's current billing cycle. Access to paid features for that store will continue until the store's next billing date, after which the subscription for that store will conclude unless otherwise agreed in writing.

Subscription fees are payable in South African Rand and are non-refundable once billed for the applicable period, except where required by law or expressly agreed otherwise.

Brewster uses PayFast for merchant subscription billing and collection.

5. Customer Payment Processing

Brewster supports Yoco for customer payment processing and related merchant payment functionality.

Depending on the merchant's selected store configuration:

• Brewster may facilitate payment processing through a Brewster-managed Yoco gateway; or
• the merchant may connect and manage its own merchant-managed Yoco gateway using its own credentials and account relationship with Yoco.

Where a merchant uses a merchant-managed Yoco gateway, the merchant is responsible for its own payment credentials, payment provider account compliance, settlement settings, tax treatment, and payment-provider relationship.

Brewster is not responsible for outages, reserves, delays, holds, verifications, or limitations imposed by Yoco or any other external payment provider.

6. Brewster-Managed Yoco Stores

For stores using the Brewster-managed Yoco gateway, customer transactions processed through Brewster are subject to the following payment rules:

• a monthly platform fee of R199 per store applies;
• a processing fee of 3.5% applies to each order;
• the processing fee is capped at R12 per order; and
• approved merchant amounts are remitted weekly in accordance with this policy.

7. Merchant-Managed Yoco Stores

For stores using a merchant-managed Yoco gateway:

• a monthly platform fee of R699 per store applies;
• the merchant is responsible for its own Yoco account, credentials, and payment setup;
• settlement and payout timing are managed by the merchant's relationship with Yoco or its payment provider, not by Brewster; and
• Brewster does not remit customer card payment proceeds for merchant-managed Yoco stores unless separately agreed in writing.

8. Cash on Pickup Stores

For stores using cash on pickup:

• a monthly platform fee of R299 per store applies;
• customer payment is collected directly by the merchant at pickup unless otherwise stated; and
• Brewster does not process or remit cash collected directly by the merchant.

9. Weekly Remittance for Brewster-Managed Stores

For stores using the Brewster-managed Yoco gateway, remittance is paid out weekly on a Monday.

The remittance period for each weekly payout runs from:

• 00:00:00 Monday to
• 23:59:59 Sunday

for the applicable week.

Subject to this policy, the remitted amount generally consists of successful customer payments received for eligible orders during the remittance period, less applicable deductions.

10. Deductions, Adjustments, and Offsets

Brewster may deduct, withhold, delay, adjust, or offset amounts from remittance where reasonably necessary, including for:

• processing fees;
• refunds;
• reversals;
• chargebacks;
• failed or disputed transactions;
• suspected fraud or abuse;
• duplicate or erroneous payments;
• merchant breaches of the Brewster Terms of Service or this policy; and
• amounts otherwise owed by the merchant to Brewster.

Where reasonably required, Brewster may delay remittance pending review of suspicious activity, unusually high refund activity, payment-provider investigation, or a dispute affecting transaction validity.

11. Eligible Orders for Remittance

An order will generally be treated as eligible for remittance where:

• the payment was successfully processed;
• the order was not refunded, reversed, cancelled, or charged back before remittance calculation; and
• there is no valid dispute, fraud concern, or payment-provider hold affecting the transaction.

Brewster may exclude or delay specific transactions from remittance where reasonably necessary for risk, compliance, or reconciliation purposes.

12. Customer Refund Rules

Customers may request a refund only where the relevant order has not yet been accepted or placed in preparation by the merchant's staff.

Once an order has been accepted or placed in preparation by the merchant, the order is generally no longer eligible for refund through Brewster, except where:

• the merchant approves the refund;
• the order cannot be fulfilled due to merchant error or unavailability; or
• a refund is otherwise required by applicable law.

Merchants remain responsible for accurately managing order status so that refund decisions can be applied correctly.

13. Refund Timing and Remittance Impact

Where a refund is approved or processed:

• the refunded transaction may be excluded from the current remittance cycle if not yet remitted;
• if already remitted, the refunded amount may be deducted from a future remittance;
• Brewster may apply the refund amount together with any related fees, reversals, or adjustments permitted under applicable provider rules or platform processes; and
• refund timing may depend on the underlying payment provider and banking system.

14. Chargebacks and Payment Disputes

Where a cardholder, payment provider, or financial institution initiates a dispute or chargeback, Brewster may:

• withhold or delay remittance for the affected transaction;
• deduct the disputed amount from a current or future remittance;
• request supporting information from the merchant; and
• take any reasonable action required to comply with payment-provider rules or to protect Brewster, customers, or the merchant ecosystem.

The merchant is responsible for cooperating promptly with any request for order, fulfilment, customer, or transaction evidence needed to respond to a payment dispute or chargeback.

15. Remittance Disputes

If a merchant believes a remittance amount is incorrect, the merchant must notify Brewster within 30 days of the relevant remittance date and provide reasonable supporting information.

Brewster will review the matter in good faith. Platform records, payment provider records, transaction logs, refund records, and order status records will be used as the primary basis for determining the remittance outcome.

If a merchant does not raise a remittance dispute within the 30-day period, the remittance may be treated as accepted for ordinary operational purposes, except where Brewster determines that correction is required due to clear error, fraud, or legal obligation.

16. Merchant Obligations

Each merchant is responsible for:

• ensuring that store payment setup is accurate and properly maintained;
• keeping connected store and banking information current where relevant;
• accurately managing order acceptance and preparation status;
• providing correct pricing, availability, and fulfilment information;
• promptly responding to refund, dispute, and verification requests;
• complying with applicable tax, financial, consumer, and business laws; and
• ensuring that authorised staff use payment features lawfully and correctly.

17. Taxes and Financial Responsibility

Unless expressly stated otherwise, merchants are responsible for their own tax treatment, invoicing obligations, VAT obligations, accounting treatment, statutory compliance, and financial reporting in relation to their store operations and customer sales.

Brewster does not provide tax, accounting, or legal advice through this policy.

18. Third-Party Provider Dependency

Payment processing and settlement functionality may depend on third-party providers, including Yoco and PayFast.

Brewster does not guarantee uninterrupted payment-provider availability and is not responsible for provider-side downtime, banking delays, reserve actions, verification holds, settlement restrictions, or third-party policy decisions.

19. Suspension or Restriction of Payment Features

Brewster may suspend, restrict, or limit payment-related features, remittance, or store access where reasonably necessary in connection with:

• fraud prevention or risk management;
• payment-provider concerns or compliance obligations;
• security incidents;
• merchant breaches of Brewster terms or policies;
• failure to provide required verification information; or
• amounts overdue or otherwise owed to Brewster.

20. Changes to This Policy

Brewster may update this Merchant Payments and Remittance Policy from time to time.

Where material changes are made, Brewster may notify merchants by updating the published policy, through the merchant platform, by email, or by other reasonable means.

21. Contact

If you have any questions about this policy, payment processing, remittance, or related merchant payment matters, please contact:

Brewster
Olio Technologies (Pty) Ltd trading as Brewster
11 Greyvenstein Close, Plattekloof Glen, Cape Town, South Africa, 7460
Email: [email protected]
Support: [email protected]