# Third-Party Disclaimer

Banxa is the merchant of record for the payment: Banxa charges the customer's card directly. The statement descriptor varies by processor and issuer, so the charge may appear under Banxa's name or a payment processor's name. For this reason, you must tell the customer they are transacting with a third party (Banxa) before they reach the Banxa checkout. This is a condition of going live.

Go-live requirement
Your go-live review video must show the disclaimer in your flow. Integrations without it will not be approved for production.

## Requirements

- You build and display the disclaimer in your own UI; Banxa does not inject it.
- It must appear before the customer lands on the Banxa checkout, for example on your confirm or continue step.
- The customer must be made aware of Banxa on every order, not only the first.
- There is no mandated template; the disclosure must clearly name Banxa as the third-party provider.


## Why it matters

If the customer does not recognise the charge on their card statement, they may assume fraud and raise a chargeback, or ignore Banxa's verification follow-ups. Both hurt your conversion.

## Acceptable patterns

Either of the following satisfies the requirement:

- A "Continue with Banxa" (or similar) button or label at the hand-off point. Because it appears on every order, this pattern also covers returning customers.
- A short disclaimer panel with an acknowledgement checkbox.


### Sample wording

> You are now leaving {Your Brand} for Banxa. Services related to card payments are provided by Banxa, a separate third-party platform. By proceeding, you acknowledge that you have read and agree to Banxa's Terms of Use and Privacy and Cookies Policy. For any questions related to Banxa's services, please contact support@banxa.com.


If your disclaimer only appears for new customers, ensure returning customers can still see that Banxa is involved on every order; the button-label pattern covers this.