Payment Terms

[Revised March 2026]

By requesting or accepting goods or services from Endless Commerce Inc., and/or its subsidiaries and affiliates (collectively, “Endless Commerce”), the Customer agrees to the following Payment Terms and Conditions (“Payment Terms”).

Endless Commerce may from time to time change these Payment Terms. Any changes are effective upon publication on our website at https://endlesscommerce.com/payment-terms, with thirty (30) days’ notice provided by email or by posting a notice on the Site. Continued use of the Services after the effective date constitutes acceptance of the revised Payment Terms.

These Payment Terms are incorporated by reference into the Endless Commerce Terms of Service and Privacy Policy, all of which govern Customer’s use of the Services.

1. Bank Account (ACH) Payments

By choosing to use a bank account as a payment method, Customer will be able to complete purchases using any valid ACH-enabled bank account at a United States-based financial institution. Whenever Customer chooses to pay using a bank account, Customer is authorizing Endless Commerce (or its agent) to debit Customer’s bank account for the total amount due, including applicable taxes, fees, and shipping costs. All transactions must be payable in U.S. dollars. Endless Commerce, in its sole discretion, may refuse this payment option to anyone at any time and without notice.

ACH Authorization. By choosing a bank account as a payment method, Customer agrees that: (a) Customer has read, understood, and agreed to these Payment Terms, and that this agreement constitutes a “writing signed by Customer” under any applicable law or regulation; (b) Customer consents to the electronic delivery of the disclosures contained in these Payment Terms; (c) Customer authorizes Endless Commerce (or its agent) to make any inquiries considered necessary to validate any dispute involving Customer’s payment, which may include ordering a credit report or verifying information against third-party databases; (d) Customer authorizes Endless Commerce (or its agent) to initiate one or more ACH debit entries from Customer’s bank account, and authorizes the financial institution holding Customer’s account to deduct such payments; and (e) Customer authorizes Endless Commerce to debit Customer’s bank account or payment card on file to settle any invoices not paid in full by the due date.

Endless Commerce relies upon Customer’s ACH authorization when determining whether to provide Services. Customer may revoke ACH authorization for future shipments or services for which Customer has not accepted a quote by notifying Endless Commerce in writing at accountsreceivable@endlesscommerce.com, provided that such revocation shall not be effective for invoices already issued or for foreseeable charges related to any quoted shipment or service at the time of revocation.

If Customer takes any action to frustrate an ACH transaction authorized by these Payment Terms, then Endless Commerce, automatically and without further notice, revokes any credit terms or other payment accommodation previously afforded to Customer, accelerates Customer’s entire account balance, and such balance becomes immediately due and payable.

2. Credit Card Payments

If Customer authorizes Endless Commerce to charge a credit card as a method of payment (a “Credit Card Authorization”), Customer authorizes Endless Commerce, in its sole discretion, to charge the credit card account for the amount shown on any and all invoices presented to Customer without further notice. All credit card transactions will include a credit card processing fee equal to 3.0% of the outstanding balance paid by credit card.

Endless Commerce relies upon Customer’s Credit Card Authorization when determining whether to provide Services. Customer may revoke a Credit Card Authorization for future shipments or services for which Customer has not accepted a quote by notifying Endless Commerce in writing at accountsreceivable@endlesscommerce.com, provided that such revocation shall not be effective for invoices already issued or for foreseeable charges related to any quoted shipment or service at the time of revocation.

If Customer takes any action to frustrate a transaction authorized by these Payment Terms, then Endless Commerce, automatically and without further notice, revokes any credit terms or other payment accommodation previously afforded to Customer, accelerates Customer’s entire account balance, and such balance becomes immediately due and payable.

3. SEPA Direct Debit

By choosing SEPA direct debit as a payment method, Customer agrees that: (a) Customer has read, understood, and agreed to these Payment Terms; (b) Customer authorizes Endless Commerce (or its agent and/or payment service provider) to send instructions in accordance with the mandate to Customer’s bank to debit Customer’s account, and Customer authorizes its bank to debit Customer’s account in accordance with the instructions from Endless Commerce; and (c) Customer gives explicit consent to Endless Commerce and the payment service providers to retrieve, process, transmit, and store personal data required for the execution of the direct debit.

Endless Commerce relies upon Customer’s SEPA direct debit authorization when determining whether to provide Services. Customer may revoke authorization for future transactions by notifying Endless Commerce in writing at accountsreceivable@endlesscommerce.com, provided that such revocation shall not be effective for invoices already issued. If Customer’s bank declines a direct debit payment for any reason for which Customer is responsible (such as insufficient funds), Endless Commerce may charge an additional fee of up to €5, in addition to any other amounts owed. In the event authorization is withdrawn, Endless Commerce automatically and without further notice revokes any credit terms or other payment accommodation previously afforded to Customer, accelerates Customer’s entire account balance, and such balance becomes immediately due and payable.

4. BACS Direct Debit

By choosing BACS direct debit as a payment method, Customer agrees that: (a) Customer has read, understood, and agreed to these Payment Terms; (b) Customer authorizes Endless Commerce (or its agent and/or payment service provider) to request payment from the account detailed in the BACS instruction, subject to the safeguards of the Direct Debit Guarantee; (c) Customer understands that the instruction may remain with Endless Commerce and, if so, details will be passed electronically to Customer’s bank or building society; and (d) Customer gives explicit consent to Endless Commerce and the payment service providers to retrieve, process, transmit, and store personal data required for the execution of the direct debit.

Endless Commerce relies upon Customer’s BACS direct debit authorization when determining whether to provide Services. If Customer’s bank declines a direct debit payment for any reason for which Customer is responsible (such as insufficient funds), Endless Commerce may charge an additional fee of up to £5, in addition to any other amounts owed. In the event authorization is withdrawn, Endless Commerce automatically and without further notice revokes any credit terms or other payment accommodation previously afforded to Customer, accelerates Customer’s entire account balance, and such balance becomes immediately due and payable.

5. Partial Debits and Returned Payments

If Customer’s full invoice total is not processed at the same time, Customer hereby authorizes partial debits from Customer’s bank account, not to exceed the total amount due. If any payment is returned unpaid, Customer authorizes Endless Commerce (or its agent) to make a one-time electronic fund transfer from Customer’s account to collect a return fee. The return fee may be added to and debited from Customer’s bank account if Endless Commerce resubmits an ACH debit due to insufficient funds.

In addition to any applicable late fees or charges, any unpaid principal balance shall accrue interest at the rate of 2% per month (24% per annum), calculated monthly, commencing the day after the invoice due date, until the balance is paid in full. Endless Commerce may initiate a collection process or legal action to collect any amounts owed, and Customer agrees to pay all costs of such action, including reasonable attorneys’ fees.

6. No Offsets; Disputes

Customer shall pay all freight, accessorial, platform, and service charges in full, without any reduction based upon an alleged offset, counterclaim, or other deduction. Full payment of all undisputed charges is a condition precedent to Customer’s right to assert an offset, counterclaim, or deduction.

Customer must contest or dispute any charges in writing by email to accountsreceivable@endlesscommerce.com within fifteen (15) days of receipt of an invoice that includes the contested charges. Failure to dispute within this period constitutes Customer’s acceptance of the invoice as accurate and binding.

7. Credit and Payment Terms

Endless Commerce’s standard payment terms require receipt of payment before performance of services. Endless Commerce may, in its sole discretion, extend credit to Customer. The amount and terms of credit are subject to periodic review. Endless Commerce may increase, decrease, suspend, or revoke credit at any time for any reason and without advance notice. Except to the extent otherwise agreed, Endless Commerce has no obligation to make or incur any expense, guarantee, or advance for any purpose.

8. Contacting Endless Commerce

Transactions processed using Customer’s bank account will be identified as “Endless Commerce” (or a similar identifier) on the statement issued by Customer’s bank or financial institution. All questions relating to invoices or payment transactions should be directed to accountsreceivable@endlesscommerce.com. Customer may also view billing history with Endless Commerce at any time in the “Billing” tab of the Endless Commerce platform.

9. Transaction Errors

If Customer believes that any payment transaction initiated by Endless Commerce is erroneous, or if Customer needs more information about any such transaction, Customer should contact Endless Commerce as provided in Section 8 of these Payment Terms. Endless Commerce reserves the right to cancel the ability to pay by bank account for any reason at any time.

10. Electronic Delivery

Customer agrees to accept all disclosures and other communications between Customer and Endless Commerce on the Endless Commerce website or at the primary email address associated with Customer’s account. Customer should print and retain a copy of all such disclosures and communications.

11. General

Endless Commerce may, in its discretion, change these Payment Terms at any time with notice as set forth in the Preamble. If any provision of these Payment Terms is found invalid, void, or unenforceable, that provision is severable and does not affect the validity and enforceability of any other provisions or the remainder of these Payment Terms. Endless Commerce reserves the right to subcontract any of its rights or obligations under these Payment Terms. Customer’s continued use of a bank account or other payment method as a payment method following any change to these Payment Terms constitutes acceptance of such changes.