merXu is well aware that in B2B transactions, there is a certain risk of not receiving goods or receiving them in a smaller quantity than ordered when you choose to make payment for an order outside the merXu platform via traditional bank transfers: domestic in the local currency, SEPA in EUR, or SWIFT in currencies other than EUR. This is why we have introduced merXu Protected Payments to minimize this risk and ensure the security of transactions on our platform.

By making payments for your orders on merXu using merXu Protected Payments, you no longer need to worry about potential losses when paying for your orders before they are delivered. With merXu Protected Payments, once you've made payment using methods such as your bank card or other electronic payment options, you can await the delivery of your goods with confidence. Your funds will be securely placed in the merchant's designated settlement account, known as the "Protected Payments account," which is held with the Dutch bank, Adyen. Neither the seller nor merXu will have access to these funds, and Adyen is prohibited from using them in any way, in compliance with banking regulations.

The payout of funds to the seller will only occur after you have confirmed receipt of the goods. In the event that you do not receive your order or it is delivered incompletely, you have the option to request a refund after first verifying with the seller that the goods were either not delivered at all or not delivered in full. The security of the deposited funds is guaranteed by Adyen, as a bank.