Schedule B | Definitions and Interpretation
Version 3.0 applies only through valid acceptance of the online MSA or a valid amendment. A private commercial order and provider approvals remain separate.
B.1 Agreement and parties
Agreement means the RT online Merchant Platform Agreement accepted under core Section 1.1, applicable schedules identified in Schedule Z, each separately accepted completed Schedule A and valid amendments. RT means only the identified contracting company. Merchant is the business identified at signup and in its order; an owner is personally a party only as a sole proprietor or under a separate valid instrument. Effective Date follows core Section 1.1; each order has its own effective date. End Customer is a purchaser of Merchant’s goods or services.
B.2 Services and providers
Services means only software functionality and related support selected and enabled for Merchant. Provider means an independent acquiring, payment, banking, digital-asset, identity or infrastructure provider involved in the approved flow. Provider Terms and Network Rules mean the current applicable agreements, rules and binding instructions for that service. Their application depends on the actual method, country and contractual relationship.
B.3 Transactions and proceeds
Transaction means a genuine approved sale and related payment activity. Authorization means the relevant permission or payment-method approval; it is not a guarantee of final settlement or fulfillment. Settlement means completion of the provider's payment/accounting stage as defined in that program. Payout means the subsequent remittance of eligible proceeds to Merchant's verified destination. A pending, reserved or provisional balance is not necessarily available for withdrawal.
B.4 Disputes and obligations
Chargeback means a reversal or payment dispute under card-network procedures. Return or Reversal means a cancellation, recall, returned payment or other adjustment under the applicable method. Refund means repayment of an amount to a buyer through an approved lawful process. Secured Obligations means Merchant's enforceable payment and performance obligations under this Agreement within the security grant. Fees means charges agreed with RT; Pass-through Amounts means documented third-party charges properly recoverable from Merchant, without double recovery.
B.5 Protective controls
Hold means a temporary restriction on eligible payment or payout activity. Reserve means an identified fixed, rolling, capped or other amount retained within a lawful approved program to secure reasonably evidenced Merchant exposures. Setoff means application of an eligible amount otherwise payable to Merchant against a properly due Merchant obligation. Collateral is limited to Merchant property described in core Section 9; none of these terms by itself establishes custody, title, perfection, priority or an external-wallet control.
B.6 Digital assets and security
Utility NFT means an approved digital token recording or representing specified consumptive rights to Merchant's goods or services; calling it utility does not determine its legal status. Stablecoin means a digital asset designed to track another reference value, without a guarantee it will do so. Wallet means an approved asset address or interface; it may be self-controlled or provided under independent custody terms. Security Incident includes actual or reasonably suspected compromise of credentials, systems, relevant data or transaction integrity. Personal Data has the meaning in the applicable data-protection law. Business Day and the precedence rules are stated in the core Agreement.
B.7 Interpretation
Defined terms include reasonable singular/plural and grammatical variations. A list of examples is not exhaustive. Capitalization is for readability and does not import an old Byte or DFin definition. A statement of intention does not certify legal or technical implementation. The core Agreement controls interpretation and the accepted version record controls incorporation.