Payment Terms

Last updated September 21, 2026

These Payment Terms (“Payment Terms”) govern the payment processing services made available through the Planning Center platform and software service (“Planning Center”) provided by Ministry Centered Technologies, Inc. (“we,” “us,” or “our”). These Payment Terms are incorporated by reference into, and form a part of, the Planning Center Terms of Service (the “Terms of Service”), which are available on our website. Capitalized terms used but not defined in these Payment Terms have the meanings given to them in the Terms of Service.

As used in these Payment Terms: (a) “Customer” refers to the organization (as defined in the Terms of Service) that has enabled payment acceptance features through Planning Center; (b) “Payor” refers to any Individual or other third party who makes or submits a payment or donation to or through a Customer using the payment processing features of Planning Center; (c) “Losses” means any and all losses, liabilities, damages, claims, demands, actions, suits, proceedings, judgments, settlements, fines, penalties, assessments (including without limitation those imposed by payment card networks, governmental authorities, or our Payment Processing Partner), taxes, duties, charges, costs, and expenses (including reasonable attorneys’ fees and expenses); and (d) “you” refers to the user of Planning Center, whether a Customer, Payor, or other user, as the context requires.

By using, accessing, or enabling any payment processing features of Planning Center, whether as a Payor, Customer, Organization Administrator, Authorized User, Individual, or other user, you are indicating your acceptance to be bound by these Payment Terms. In other words, these Payment Terms are a binding agreement between you and us. If you are unwilling to be bound by these Payment Terms, do not access, use, or enable the payment processing features of Planning Center. Your access, use, or enablement of the payment processing features of Planning Center constitutes your acceptance and agreement to these Payment Terms.

Please note that these Payment Terms are subject to change. We may, in our sole discretion, revise these Payment Terms at any time by updating this page. You should visit this page periodically to review the Payment Terms, as these Payment Terms (as modified from time to time) are legally binding upon you. If you do not agree to a change to these Payment Terms, immediately cease access and use of, and disable, the payment processing features of Planning Center. Your continued access, use, or enablement of the payment processing features of Planning Center constitutes your acceptance and agreement to all modifications that have been made to these Payment Terms.

Certain features of Planning Center, including Giving and Registrations, enable Customers to accept donations and payments from Payors and other third parties (collectively, “Payment Services”). Payment Services are provided by our payment processing partners, which include without limitation Stripe, Inc. and its affiliates (collectively, our “Payment Processing Partner”). Planning Center’s role is limited to providing a software interface

through which Customers may access the Payment Services offered by the Payment Processing Partner; we do not hold, control, or transmit funds in connection with Payment Services.

When a Customer enables Payment Services, Customer will be onboarded as a merchant through our Payment Processing Partner’s platform, and Customer will be required to enter into a separate agreement directly with our Payment Processing Partner (the “Payment Processor Agreement”) governing the processing, settlement, and handling of payment transactions. Customer acknowledges and agrees that the Payment Processor Agreement is a separate and independent agreement between Customer and our Payment Processing Partner that is binding on Customer, and that we are not a party to the Payment Processor Agreement. The Payment Services are provided solely by the applicable Payment Processing Partner pursuant to the Payment Processor Agreement and, notwithstanding any integration between the Payment Services and Planning Center, we will have no responsibility or liability with respect to the Payment Services (and Customer’s sole right and remedy with respect to any errors, omissions, issues, disputes, or other claims arising out of or relating to the Payment Services will be exclusively to bring a claim against the Payment Processing Partner pursuant to, and subject to, the Payment Processor Agreement).

Customer is responsible for its relationship with the Payment Processing Partner and for complying with all terms and conditions of the Payment Processor Agreement. Customer acknowledges that the Payment Processing Partner is solely responsible for the provision of the Payment Services in accordance with and subject to the Payment Processor Agreement.

Customer acknowledges and agrees that Customer’s use of Payment Services is subject to the Payment Processor Agreement and all applicable terms, rules, and policies of our Payment Processing Partner, the payment card networks, and other payment method providers.

1. A. Scheduled Payments

   A Payor may schedule one-time or recurring payments or donations through Planning Center (each, a “Scheduled Payment”), which such payments or donations will be made using the Payment Services. A Payor may cancel or terminate a Scheduled Payment prior to the processing of such payment by following the cancellation instructions provided within Planning Center. Cancellation will not affect any payment that has already been submitted for processing by the Payment Processing Partner or any payment that has already been completed. Each Payor acknowledges and agrees that we are not responsible for any payment that is processed by the Payment Processing Partner before such Payor’s cancellation takes effect.

2. B. Payment Authorization

   By submitting a payment through Payment Services, the Payor authorizes the applicable Customer and our Payment Processing Partner to charge the credit or debit card the Payor designates, or to initiate an electronic funds transfer or withdrawal of the designated amount from the bank account the Payor designates, for the amount of such payment, including any applicable Transaction Fees or taxes. Each submission of a payment through Payment Services

   constitutes a separate authorization for such charge or withdrawal. For recurring Scheduled Payments, the Payor’s initial submission constitutes authorization for the applicable Customer and our Payment Processing Partner to continue to charge the designated card or withdraw from the designated bank account on each scheduled payment date until the Payor cancels the Scheduled Payment in accordance with Section 2.A of these Payment Terms or until the scheduled expiration date of the recurring payment series (if any), whichever occurs first.

3. C. Payor Representations and Warranties

   By submitting a payment through Payment Services, the Payor represents and warrants that: (a) the Payor is the authorized holder of the designated credit or debit card or the authorized signatory on the designated bank account; (b) the Payor has full authority to authorize the charge to the designated card or the withdrawal from the designated bank account; (c) the charge or withdrawal has been approved and authorized by the Payor; (d) such charge or withdrawal will not be rejected, reversed, or disputed by the Payor or by the issuer or holder of the designated card or bank account; and (e) all payment information the Payor has provided is accurate and complete. Each Payor agrees to indemnify, defend, and hold us and our Payment Processing Partner harmless from and against any and all Losses arising out of or relating to any breach of the foregoing representations and warranties or any unauthorized, disputed, or rejected payment.

4. D. Payment-Related Fees

   Each Payor is solely responsible for all costs, fees, and charges imposed by any financial institution, payment card network, payment method provider, or other third party in connection with any payment or attempted payment made through Payment Services, including without limitation: (a) non-sufficient funds fees; (b) overdraft fees; (c) credit or debit card decline fees; (d) chargeback fees and chargeback processing fees; (e) ACH reject, return, or reversal fees; (f) wire transfer fees; (g) currency conversion or foreign transaction fees; (h) stop-payment fees; (i) account closure or account maintenance fees assessed by the Payor’s financial institution as a result of transactions initiated through Payment Services; (j) late payment or past-due fees; (k) payment retry or reprocessing fees; and (l) any other bank, issuer, network, or processor fees, penalties, or assessments arising out of or relating to the Payor’s use of Payment Services or any payment submitted, declined, returned, reversed, or disputed in connection therewith (collectively, “Payment-Related Fees”). Each Payor agrees to indemnify, defend, and hold us and our Payment Processing Partner harmless from and against any and all Payment-Related Fees and any Losses arising out of or relating to such Payment-Related Fees. For the avoidance of doubt, we are not responsible for any Payment-Related Fees, and we will not reimburse or credit any Payor for any Payment-Related Fees under any circumstances.

5. E. Stored Payment Information

   Each Payor acknowledges and agrees that our Payment Processing Partner or affiliates, agents, or independent contractors thereof may store the credit or debit card number, bank account information, and other payment credentials the Payor provides in connection with Payment Services (collectively, “Stored Payment Information”) for the purpose of processing Scheduled Payments, recurring payments, and any other ongoing or future transactions the Payor authorizes through Payment Services. Stored Payment Information will be maintained by the

   Payment Processing Partner (or its applicable affiliate, agent, or independent contractor) in accordance with the Payment Processing Partner’s (or such affiliate’s, agent’s, or independent contractor’s) own privacy and data security policies. A Payor may update or remove Stored Payment Information: (a) by logging into Payor’s account with Customer and following the process and instructions to make such change; or (b) through the Customer by contacting the Customer and following the Customer’s instructions and process to make such change. Any such change may not be effective until such time as the Customer and the Payment Processing Partner (or its applicable affiliate, agent, or independent contractor) processes and implements the change. Removal of Stored Payment Information will not affect any payment that has already been submitted for processing or any payment that has already been completed. We are not responsible for the security or handling of Stored Payment Information by our Payment Processing Partner (or any other third party), and each Payor agrees that our Payment Processing Partner’s (or the applicable third party’s) terms and privacy policies govern the storage and use of payment information.

To enable Payment Services, Customer must complete a merchant onboarding process administered by our Payment Processing Partner, which Customer may initiate through Planning Center. As part of this process, Customer may be required to provide information and documentation to our Payment Processing Partner (directly or through Planning Center acting solely as a conduit for the collection and transmission of such information to the Payment Processing Partner). Customer represents and warrants that it will promptly provide, upon the request of our Payment Processing Partner (which request may be communicated through Planning Center), all information and documentation necessary for merchant onboarding and underwriting, including but not limited to: (a) legal business name, address, and contact information; (b) tax identification number(s); (c) beneficial ownership information and information regarding principals, officers, and directors; (d) business type, description, and industry classification; (e) anticipated transaction volumes and average transaction amounts; (f) bank account information for settlement purposes; (g) financial statements or other evidence of financial condition, as reasonably requested; and (h) any other information required by our Payment Processing Partner, applicable law, payment card network rules, or applicable regulatory requirements (collectively, “Underwriting Data”).

Customer represents and warrants that all Underwriting Data provided is and will remain truthful, accurate, and complete, and Customer agrees to promptly update the Underwriting Data if any information changes. Customer hereby authorizes us to collect Underwriting Data and transmit it to our Payment Processing Partner and its affiliates, financial institutions, payment card networks, and other third parties as necessary to facilitate the Payment Processing Partner’s merchant onboarding, underwriting, identity verification, risk assessment, fraud prevention, and ongoing compliance monitoring. Customer further authorizes our Payment Processing Partner and its affiliates to obtain information about Customer and its business from third-party sources, including credit reporting agencies, banking partners, and information bureaus, for purposes of underwriting and ongoing risk assessment.

Our Payment Processing Partner reserves the right to approve, decline, or condition Customer’s access to Payment Services based on the results of the onboarding and underwriting

process, and to request additional Underwriting Data at any time during the term of Customer’s use of Payment Services. We may communicate such decisions or requests on behalf of the Payment Processing Partner. Failure to provide requested Underwriting Data in a timely manner may result in the Payment Processing Partner’s suspension or termination of Customer’s access to Payment Services.

Customer acknowledges and agrees that Customer’s use of Payment Services requires Customer to enter into and maintain the Payment Processor Agreement directly with our Payment Processing Partner. By using the Payment Services, Customer is accepting and agreeing to be bound by the Payment Processor Agreement. Customer is solely responsible for complying with all terms and conditions of the Payment Processor Agreement, including without limitation all updates and amendments thereto. For the avoidance of doubt, where the Payment Processing Partner is Stripe, the Payment Processor Agreement shall include, without limitation, the Stripe Services Agreement. If there is any conflict between these Payment Terms or the Terms of Service and the Payment Processor Agreement with respect to payment processing, the Payment Processor Agreement shall govern with respect to the payment processing services provided by our Payment Processing Partner.

Customer agrees to pay all applicable fees and charges in connection with Payment Services at the rates we establish and communicate to Customer from time to time (“Transaction Fees”). Transaction Fees may include, without limitation, per-transaction charges (which may include a percentage of the transaction amount and/or a fixed per-transaction fee), chargeback fees, dispute fees, failed transaction fees, and any other fees associated with Payment Services. We and our Payment Processing Partner reserve the right to change Transaction Fees at any time upon thirty (30) days’ prior notice to Customer. Our Payment Processing Partner may deduct Transaction Fees and any other amounts owed by Customer from settlement funds prior to disbursement to Customer, debit Customer’s designated bank account, or collect such amounts through any other method permitted under the Payment Processor Agreement or these Payment Terms.

In addition to Transaction Fees, Customer is solely responsible for all costs, fees, and charges imposed by any financial institution, payment card network, payment method provider, or other third party in connection with Customer’s use of Payment Services or the acceptance of payments or donations through Payment Services, including without limitation: (a) chargeback fees and chargeback processing fees; (b) dispute fees and representment fees; (c) ACH reject, return, or reversal fees; (d) wire transfer fees; (e) currency conversion or foreign transaction fees; (f) fees, fines, penalties, or assessments imposed by payment card networks, governmental authorities, or our Payment Processing Partner; (g) reserve funding or replenishment charges; (h) fees arising from excessive chargebacks, disputes, or fraud-related activity; (i) fees or penalties arising from any failure to comply with Payment Network Rules, PCI-DSS, or applicable law; and (j) any other bank, issuer, network, processor, or third-party fees, penalties, or assessments

arising out of or relating to Customer’s access or use of Payment Services or any payment transaction processed, declined, returned, reversed, or disputed in connection therewith (collectively, “Customer Payment-Related Fees”).

Our Payment Processing Partner may deduct Customer Payment-Related Fees from Customer’s pending settlement funds, debit Customer’s designated bank account, offset against any other amounts owed to Customer, or collect such amounts through any other method permitted under the Payment Processor Agreement or these Payment Terms. Customer agrees to indemnify, defend, and hold us and our Payment Processing Partner harmless from and against any and all Customer Payment-Related Fees and any Losses arising out of or relating to such Customer Payment-Related Fees. For the avoidance of doubt, we are not responsible for any Customer Payment-Related Fees, and we will not reimburse or credit Customer for any Customer Payment-Related Fees under any circumstances.

Settlement of funds from payment transactions to Customer will be made in accordance with the Payment Processor Agreement and the settlement schedule established by our Payment Processing Partner. We do not control the settlement (including without limitation the timing or method of settlement) and we are not responsible for any delays in the receipt of settlement funds by Customer. Customer acknowledges that settlement funds may be subject to holds, delays, or deductions for chargebacks, disputes, refunds, reversals, fees, reserves, or other amounts owed under these Payment Terms, the Terms of Service, or the Payment Processor Agreement.

Customer is solely responsible and liable for all chargebacks, disputes, refunds, and reversals arising from transactions processed through Payment Services, regardless of the reason for the chargeback, dispute, refund, or reversal. Customer is responsible for all costs, fees, fines, and penalties associated with chargebacks and disputes, including chargeback fees charged by our Payment Processing Partner or payment card networks. In addition to any other remedies available, our Payment Processing Partner may (including at our request) recover amounts related to chargebacks, disputes, refunds, and reversals by deducting such amounts from Customer’s pending settlement funds, debiting Customer’s designated bank account, or offsetting against any other amounts owed to Customer. Customer must cooperate with us and our Payment Processing Partner in responding to and resolving chargebacks and disputes, including by providing transaction records, evidence of delivery, and other documentation as requested. Customer must maintain a fair and clearly disclosed refund and return policy for its donors and payors.

Customer acknowledges and agrees that our Payment Processing Partner may, in its sole discretion, establish a reserve against Customer’s settlement funds, impose a hold on settlement funds, or delay the disbursement of settlement funds, if our Payment Processing Partner reasonably believes that such action is necessary to protect against potential losses, excessive chargebacks, fraud, or other risks associated with Customer’s use of Payment Services. We may

share information with our Payment Processing Partner that is relevant to such risk assessments, but the decision to impose any reserve or hold is made by the Payment Processing Partner. The terms and conditions of any reserve or hold, including the amount and duration, will be determined by the Payment Processing Partner and communicated to Customer. Customer acknowledges that Customer has no legal or equitable right or interest in any reserve funds held by our Payment Processing Partner.

1. A. Payment Card Network Rules and Applicable Law

   Customer must comply with all applicable rules, regulations, operating guidelines, and requirements of the payment card networks (including without limitation Visa, Mastercard, American Express, Discover, and each debit network through which payments may be processed) and other payment method providers (collectively, “Payment Network Rules”) that apply with respect to the payment instruments used or to Customer’s acceptance of payments through Payment Services. Customer must not: (a) act as or hold itself out as a payment facilitator, intermediary, or aggregator, or otherwise resell Payment Services; (b) impose minimum or maximum transaction amounts except as Payment Network Rules permit; (c) add surcharges or fees to payment transactions except as Payment Network Rules and applicable law permit; (d) require Payors to waive dispute or chargeback rights as a condition of payment; (e) split a single transaction into multiple transactions; or (f) accept payment for transactions that are illegal, fraudulent, or otherwise prohibited by applicable law, Payment Network Rules, or these Payment Terms. Customer is solely responsible for complying with all applicable laws, rules, and regulations governing the acceptance of payments, the collection of donations, and the conduct of Customer’s business, including but not limited to laws governing consumer protection, anti-money laundering, sanctions, tax reporting, and data privacy.

2. B. PCI-DSS Compliance and Data Security

   Customer must comply with the Payment Card Industry Data Security Standards (“PCI-DSS”) and all other applicable data security standards and requirements to the extent applicable to Customer’s business and use of Payment Services. Customer must not directly collect, store, process, or transmit cardholder data (including credit or debit card numbers, card verification values, or card expiration dates) except through the secure payment tools and interfaces provided by us or our Payment Processing Partner. If Customer becomes aware of any actual or suspected unauthorized access to, or disclosure or compromise of, cardholder data, payment credentials, or other sensitive payment information (“Payment Data Incident”), Customer must immediately notify us and cooperate fully with us, our Payment Processing Partner, and the applicable payment card networks in investigating and remediating the Payment Data Incident. Customer is responsible for all costs, fines, penalties, and assessments arising from a Payment Data Incident, including without limitation those caused by Customer’s acts, omissions, or failure to comply with PCI-DSS or other applicable data security requirements.

3. C. Prohibited Payment Transactions

   Customer must not use Payment Services for any transaction that is illegal, fraudulent, or prohibited by applicable law, Payment Network Rules, the Payment Processor Agreement, or these Payment Terms. Without limiting the foregoing, Customer must not use Payment Services for: (a) transactions involving goods or services that are prohibited under our Payment Processing Partner’s prohibited and restricted business policies; (b) card testing or other activities designed to test payment credentials; (c) structuring transactions to avoid reporting thresholds or monitoring; (d) transactions for the disbursement of cash except as expressly permitted by Payment Network Rules; or (e) the collection of debt that has been deemed uncollectible.

We reserve the right, in our sole discretion or at the direction of our Payment Processing Partner or any payment card network, sponsor bank, or regulatory authority, to suspend, restrict, or terminate Customer’s access to Payment Services, in whole or in part, at any time and for any reason, including but not limited to: (a) excessive chargebacks or disputes; (b) actual or suspected fraud or illegal activity; (c) Customer’s failure to comply with these Payment Terms, the Terms of Service, the Payment Processor Agreement, Payment Network Rules, PCI-DSS, or applicable law; (d) Customer’s failure to provide or update Underwriting Data as requested; (e) a material adverse change in Customer’s financial condition or business; or (f) a determination by our Payment Processing Partner or any payment card network that Customer’s continued use of Payment Services presents an unacceptable risk.

Upon suspension or termination of Payment Services, Customer remains liable for all outstanding chargebacks, disputes, fees, fines, and other obligations arising from Customer’s prior use of Payment Services. Suspension or termination of Payment Services does not affect Customer’s other obligations under these Payment Terms, the Terms of Service, or the Payment Processor Agreement, and does not relieve Customer of any liability or obligation that accrued prior to (or results from an event, action, transaction, omission, or circumstance that occurred prior to) the effective date of such suspension or termination.

Payment processing services for Customers on Planning Center may be provided by Stripe, and when provided by Stripe they are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the “Stripe Services Agreement”). The Stripe Services Agreement is a Payment Processor Agreement for purposes of these Payment Terms and the Terms of Service. By agreeing to these Payment Terms and using the Payment Services, Customer agrees to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Planning Center enabling payment processing services through Stripe, Customer agrees to provide Planning Center accurate and complete information about Customer and Customer’s business, and Customer authorizes Planning Center to share it and transaction information related to Customer’s use of the payment processing services provided by Stripe.

When a Payor provides personal data in connection with the Payment Services, Stripe receives that personal data and processes it in accordance with Stripe’s Privacy Policy.

To meet our Payment Processing Partner’s financial partner requirements, Customer is hereby advised that Stripe, LLC acts as a Payment Facilitator of the following Payment Method Acquirers for Visa and Mastercard transactions in the United States: (a) Cross River Bank, 2115 Linwood Avenue, Fort Lee, NJ 07024, USA, info@crossriver.com or +1-201-808-7000; (b) Deutsche Bank Trust Company Americas, One Columbus Circle, New York, NY 10019, USA, compl.card_acquiring@list.db.com; (c) Fifth Third Bank, 38 Fountain Square Plaza, Cincinnati, OH 45263, USA; (d) Pathward N.A., 5501 S. Broadband Lane, Sioux Falls, SD 57108; (e) PNC Bank, N.A., 1600 Market Street, 8th Floor, Pittsburgh, PA 19103, USA, +1-800-PNC-BANK; and (f) Stripe MALPB, 505 N Angier Avenue NE, Atlanta, GA, 30308. For support from a Payment Method Acquirer that is a Stripe entity, please visit https://stripe.com/contact. The applicable acquirer terms for each Payment Method Acquirer are available at https://stripe.com/legal/acquirer-disclosure. This disclosure may be updated from time to time as our Payment Processing Partner adds or changes Payment Method Acquirers.

Notwithstanding any cancellation or termination of Customer’s Account or access to Planning Center (whether by Customer, by us, or by operation of the Terms of Service), Customer acknowledges and agrees that Customer is solely responsible for cancelling or terminating the Payment Processor Agreement in accordance with the terms thereof. The cancellation or termination of Customer’s Account or access to Planning Center does not automatically cancel or terminate the Payment Processor Agreement or Customer’s obligations thereunder, and Customer remains bound by the Payment Processor Agreement until Customer has properly cancelled or terminated such agreement in accordance with its terms. Customer is solely responsible for any fees, charges, or obligations that accrue under the Payment Processor Agreement as a result of Customer’s failure to timely cancel or terminate such agreement.

The cancellation, termination, suspension, or closure of Customer’s Account, Customer’s access to Planning Center, or any Payment Processor Agreement shall not relieve Customer of any responsibility, liability, or obligation with respect to Payment Services or the Payment Processor Agreement whether existing or arising in the future as a result of or in connection with any transactions, activity, or occurrences whenever occurring, including without limitation: (a) any outstanding chargebacks, disputes, refunds, reversals, or retrieval requests and all fees, fines, penalties, and assessments associated therewith; (b) any Transaction Fees, Customer Payment-Related Fees, Payment-Related Fees, or other amounts owed to us or to our Payment Processing Partner; (c) any indemnification obligations under these Payment Terms or the Terms of Service; (d) any reserves or holds imposed on Customer’s settlement funds prior to or in connection with such cancellation or termination; (e) any obligations relating to compliance with Payment Network Rules, PCI-DSS, or applicable law; and (f) any other liability or obligation that accrued prior to the effective date of the applicable cancellation, termination, suspension, or closure or that arises as a consequence thereof. For the avoidance of doubt, the indemnification, limitation of liability, disclaimer, and post-termination debit authorization provisions shall survive cancellation, termination, or suspension of the Account and termination of the Payment Processor Agreement, and shall survive and remain in full force and effect.

1. A. Post-Termination Debit Authorization

   Customer hereby irrevocably authorizes our Payment Processing Partner to debit Customer’s designated bank account, charge Customer’s designated credit or debit card, offset against any settlement funds or reserve funds held by the Payment Processing Partner, or collect by any other method permitted under the Payment Processor Agreement or these Payment Terms, in each case for all amounts that are owed or that become due and owing as a result of or in connection with Payment Services or these Payment Terms, notwithstanding any cancellation, termination, suspension, or closure of Customer’s Account, Customer’s access to Planning Center, or the Payment Processor Agreement. Such amounts include without limitation: (a) outstanding Transaction Fees, Customer Payment-Related Fees, chargeback fees, dispute fees, Payment-Related Fees, and any other fees or charges under these Payment Terms, the Terms of Service, or the Payment Processor Agreement; (b) amounts related to chargebacks, disputes, refunds, reversals, or retrieval requests that are initiated, processed, or resolved after the effective date of cancellation or termination; (c) fines, penalties, or assessments imposed by payment card networks, governmental authorities, or our Payment Processing Partner; (d) amounts necessary to fund or replenish reserves; and (e) any other amounts owed by Customer under these Payment Terms, the Terms of Service, or the Payment Processor Agreement, as applicable. This authorization shall survive the cancellation, termination, suspension, or closure of Customer’s Account and the termination of the Payment Processor Agreement and shall remain in full force and effect until all such amounts have been paid in full. Customer agrees not to initiate any dispute, reversal, or stop-payment order with respect to any debit or charge authorized in these Payment Terms.

Without limiting the generality of the indemnification obligations set forth in the Terms of Service, Customer agrees to fully indemnify, defend, and hold harmless Ministry Centered Technologies, Inc. and its officers, directors, employees, agents, affiliates, subsidiaries, successors, and assigns (collectively, the “MCT Indemnified Parties”) from and against any and all Losses arising out of, resulting from, or relating to: (a) Customer’s use of Payment Services or the use of Payment Services by any of Customer’s Organization Administrators, Authorized Users, Individuals, or any other person or entity using Customer’s Account or credentials; (b) the processing, attempted processing, authorization, settlement, or disbursement of any payment transaction through Payment Services; (c) any data, information, or content transmitted, submitted, or provided by or on behalf of Customer in connection with Payment Services, including without limitation all Underwriting Data, transaction data, payment credentials, and personally identifiable information; (d) any actual or suspected security incident, data breach, unauthorized access to or disclosure of payment data, cardholder data, or other sensitive information arising from or relating to Customer’s systems, operations, personnel, or use of Payment Services; (e) the failure or inability to process, complete, or settle any payment transaction, whether due to system errors, network outages, insufficient funds, expired payment credentials, or any other cause; (f) the rejection, decline, or reversal of any legitimate payment transaction; (g) the acceptance, processing, or settlement of any fraudulent, unauthorized, or disputed payment transaction; (h) any chargebacks, chargeback representments, disputes, refund requests, reversals, or retrieval requests, and all fees, fines, penalties, and assessments associated therewith; (i) the failure to settle or disburse funds to the correct account, or the settlement or transmission of funds to an incorrect, unauthorized, or unintended account; (j) any error, delay, or omission in the repo

Customer’s failure to comply with the Payment Processor Agreement, Payment Network Rules, PCI-DSS, or any applicable law, rule, or regulation in connection with Customer’s use of Payment Services; (l) any claim by a donor, Payor, Individual, cardholder, bank, financial institution, payment card network, payment method provider, governmental authority, or other third party arising out of or relating to Customer’s use of Payment Services; (m) any misrepresentation, inaccuracy, or omission in the information or documentation provided by Customer in connection with merchant onboarding, underwriting, or ongoing compliance; (n) any taxes, duties, assessments, or governmental charges arising from or relating to payment transactions processed through Payment Services; (o) any other incident, event, act, omission, or circumstance arising from or relating to Payment Services, Customer’s use thereof, or the use thereof under Customer’s name or credentials; (p) any claim that Customer’s use of Payment Services (including without limitation as a result of its combination or integration with Planning Center) infringes, misappropriates, or violates any intellectual property right, proprietary right, privacy right, or other right of any third party; (q) any fines, penalties, assessments, or charges imposed by our Payment Processing Partner or any governmental authority as a result of Customer’s use of, or failure to comply with the applicable terms or agreements governing, Payment Services; and (r) any dispute between Customer and our Payment Processing Partner, sponsor bank, payment network, or any other provider of Payment Services.

Customer’s indemnification obligations in these Payment Terms are in addition to, and not in limitation of, Customer’s indemnification obligations under the Terms of Service and any indemnification obligations under the Payment Processor Agreement. Customer’s indemnification obligations in these Payment Terms shall survive the suspension, termination, or expiration of Customer’s access to Payment Services and shall survive the termination or expiration of these Payment Terms and the Terms of Service. The MCT Indemnified Parties shall have the right (but not the obligation), at Customer’s expense, to assume the exclusive defense and control of any matter for which Customer is required to indemnify any MCT Indemnified Party, and Customer agrees to cooperate fully with the MCT Indemnified Parties in the defense of any such matter. Customer shall not settle any claim or matter that imposes any obligation or liability on any MCT Indemnified Party without the prior written consent of such MCT Indemnified Party.

CUSTOMER ACKNOWLEDGES AND AGREES THAT PAYMENT SERVICES ARE PROVIDED SOLELY BY THE APPLICABLE PAYMENT PROCESSING PARTNER AND NOT BY US. WE DO NOT OFFER, PROVIDE, OR DELIVER PAYMENT SERVICES, AND WE ARE NOT A PAYMENT PROCESSOR, PAYMENT FACILITATOR, ACQUIRING BANK, ISSUING BANK, CARD NETWORK, MONEY SERVICES BUSINESS, MONEY TRANSMITTER, OR FINANCIAL INSTITUTION. WE DO NOT AT ANY TIME HOLD, CONTROL, OR TRANSMIT CUSTOMER FUNDS OR PAYOR FUNDS IN CONNECTION WITH PAYMENT SERVICES. OUR ROLE IS LIMITED TO MAKING PLANNING CENTER AVAILABLE AS A SOFTWARE PLATFORM THROUGH WHICH CUSTOMER MAY ACCESS PAYMENT SERVICES PROVIDED BY THE PAYMENT PROCESSING PARTNER. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY TYPE OR NATURE, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO PAYMENT

SERVICES, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, AVAILABILITY, SECURITY, UNINTERRUPTED ACCESS, OR ERROR-FREE OPERATION.

WITHOUT LIMITING THE FOREGOING, WE EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES REGARDING: (A) THE AVAILABILITY, RELIABILITY, FUNCTIONALITY, PERFORMANCE, SPEED, OR SECURITY OF PAYMENT SERVICES OR ANY COMPONENT THEREOF; (B) THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE PROCESSING, AUTHORIZATION, SETTLEMENT, OR DISBURSEMENT OF PAYMENT TRANSACTIONS; (C) THE COMPATIBILITY OR INTEROPERABILITY OF PAYMENT SERVICES WITH CUSTOMER’S SYSTEMS, SOFTWARE, HARDWARE, OR BUSINESS OPERATIONS; (D) THE COMPLIANCE OF PAYMENT SERVICES WITH APPLICABLE LAWS, RULES, REGULATIONS, PAYMENT NETWORK RULES, OR INDUSTRY STANDARDS; (E) THE PREVENTION OR DETECTION OF FRAUD, UNAUTHORIZED TRANSACTIONS, OR DATA BREACHES IN CONNECTION WITH PAYMENT SERVICES; (F) THE PROTECTION OR SECURITY OF CARDHOLDER DATA, PAYMENT CREDENTIALS, OR OTHER SENSITIVE INFORMATION PROCESSED, STORED, OR TRANSMITTED THROUGH PAYMENT SERVICES; (G) THE ACTIONS, OMISSIONS, POLICIES, OR PRACTICES OF OUR PAYMENT PROCESSING PARTNER, ANY PAYMENT CARD NETWORK, FINANCIAL INSTITUTION, ISSUING BANK, ACQUIRING BANK, OR OTHER THIRD PARTY INVOLVED IN THE PROVISION OF PAYMENT SERVICES; AND (H) THE SUITABILITY OF PAYMENT SERVICES FOR CUSTOMER’S INTENDED USE OR FOR THE ACCEPTANCE OF DONATIONS, PAYMENTS, OR OTHER FINANCIAL TRANSACTIONS.

WE DO NOT CONTROL, OPERATE, MAINTAIN, ENDORSE, OR ASSUME AND RESPONSIBILITY FOR ANY THIRD PARTY SERVICES (INCLUDING WITHOUT LIMITATION THE PAYMENT SERVICES) OR ANY CONTENT, DATA, PRODUCTS, SERVICES, FUNCTIONALITY, OR FEATURES MADE AVAILABLE THROUGH OR IN CONNECTION WITH THIRD PARTY SERVICES (INCLUDING WITHOUT LIMITATION THE PAYMENT SERVICES). WE DO NOT WARRANT THAT THE PAYMENT SERVICES (OR ANY OTHER THIRD PARTY SERVICES) WILL: (A) MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; (D) BE COMPATIBLE OR INTEROPERABLE WITH YOUR SYSTEMS, SOFTWARE, HARDWARE, DATA, OR BUSINESS OPERATIONS; (E) BE FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS; OR (F) PRODUCE ACCURATE, COMPLETE, OR RELIABLE RESULTS.

CUSTOMER’S SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO ANY ERRORS, OMISSIONS, INTERRUPTIONS, FAILURES, DEFICIENCIES, OR OTHER ISSUES ARISING OUT OF OR RELATING TO PAYMENT SERVICES SHALL BE EXCLUSIVELY AGAINST THE PAYMENT PROCESSING PARTNER AS SET FORTH IN, AND SUBJECT TO, THE PAYMENT PROCESSOR AGREEMENT BETWEEN CUSTOMER

AND THE APPLICABLE PAYMENT PROCESSING PARTNER, AND CUSTOMER AGREES TO LOOK SOLELY TO THE PAYMENT PROCESSING PARTNER FOR ANY SUCH REMEDY. CUSTOMER ASSUMES ALL RISK ASSOCIATED WITH CUSTOMER’S USE OF PAYMENT SERVICES AND WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL CLAIMS AGAINST US ARISING OUT OF OR RELATING TO PAYMENT SERVICES. THIS SECTION 15 SHALL SURVIVE THE SUSPENSION, TERMINATION, OR EXPIRATION OF CUSTOMER’S ACCESS TO PAYMENT SERVICES AND THE TERMINATION OR EXPIRATION OF THESE PAYMENT TERMS AND THE TERMS OF SERVICE.

WE DISCLAIM ANY AND ALL RESPONSIBILITY AND LIABILITY FOR (AND WILL NOT BE RESPONSIBLE OR LIABLE FOR): (A) THE ACTIONS, OMISSIONS, POLICIES, PRACTICES, TERMS, OR PRIVACY PRACTICES OF ANY PROVIDER OF THE PAYMENT SERVICES; (B) THE SECURITY, PRIVACY, OR HANDLING OF ANY DATA, CONTENT, OR INFORMATION YOU SUBMIT TO, TRANSMIT THROUGH, OR RECEIVE FROM ANY PAYMENT SERVICES; (C) ANY INTERRUPTION, SUSPENSION, DISCONTINUATION, MODIFICATION, OF UNAVAILABILITY OF THE PAYMENT SERVICES, WHETHER TEMPORARY OR PERMANENT; (D) ANY LOSS, CORRUPTION, OR UNAUTHORIZED ACCESS TO DATA ARISING FROM OR RELATING TO YOUR USE OF THE PAYMENT SERVICES; AND € THE COMPLIANCE OF THE PAYMENT SERVICES WITH APPLICABLE LAWS, RULES, REGULATIONS, PAYMENT NETWORK RULES, OR INDUSTRY STANDARDS. ALL PAYMENT SERVICES ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS. YOUR USE OF THE PAYMENT SERVICES (EVEN IF IT IS THROUGH, INTEGRATED WITH, OR APPEARS TO BE PART OF, PLANNING CENTER) IS AT YOUR SOLE RISK.

WITHOUT LIMITING THE GENERAL DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN THE TERMS OF SERVICE, WE ARE NOT LIABLE TO CUSTOMER OR ANY THIRD PARTY FOR: (A) ANY DELAYS, INTERRUPTIONS, OR ERRORS IN THE PROCESSING, SETTLEMENT, OR DISBURSEMENT OF PAYMENT TRANSACTIONS; (B) ANY ACTIONS, OMISSIONS, OR DECISIONS BY OUR PAYMENT PROCESSING PARTNER, PAYMENT CARD NETWORKS, FINANCIAL INSTITUTIONS, OR OTHER THIRD PARTIES; (C) ANY CHARGEBACKS, DISPUTES, REFUNDS, REVERSALS, OR RELATED LOSSES; (D) THE IMPOSITION OF RESERVES, HOLDS, OR FUNDING DELAYS BY OUR PAYMENT PROCESSING PARTNER; (E) ANY FINES, PENALTIES, OR ASSESSMENTS IMPOSED BY PAYMENT CARD NETWORKS OR GOVERNMENTAL AUTHORITIES; OR (F) CUSTOMER’S INABILITY TO ACCEPT PAYMENTS OR DONATIONS OR ANY LOSSES RESULTING FROM THE SUSPENSION, RESTRICTION, OR TERMINATION OF PAYMENT SERVICES. CUSTOMER ASSUMES ALL RISK ASSOCIATED WITH THE USE OF PAYMENT SERVICES.

TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW, OUR MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY REASON AND ANY TYPE OF DAMAGES IN CONNECTION WITH THESE PAYMENT TERMS OR PAYMENT SERVICES SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR PLANNING

CENTER OVER THE TWELVE MONTH PERIOD IMMEDIATELY PRECEDING THE INITIAL EVENT GIVING RISE TO THE APPLICABLE CLAIMS. SUCH LIABILITY CAP IS THE SAME AS THE LIABILITY CAP SET FORTH IN (AND NOT IN ADDITION TO THE LIABILITY CAP SET FORTH IN) THE TERMS OF SERVICE.

We expressly disclaim any and all representations and warranties with respect to Payment Services, including without limitation any representation or warranty of merchantability, fitness for a particular purpose, availability, non-infringement, title, accuracy, reliability, completeness, timeliness, security, uninterrupted access, or error-free operation.

In connection with the onboarding process with a Payment Processing Partner or as part of the risk management and/or monitoring processes engaged in by such Payment Processing Partners, we may collect and remit to the applicable Payment Processing Partner any and all data regarding: (a) Customer; (b) Customer’s Organization Administrators, Authorized Users, or Individuals; (c) key personnel, names, addresses, email addresses, phone numbers, and other personally identifiable information regarding or related to any of the foregoing persons or entities; (d) transaction history or use of Planning Center or any features or functions thereof; and (e) any other information in our possession that the Payment Processing Partner may reasonably request in connection with onboarding, risk management, or monitoring.

You agree to provide to us, and authorize us to provide to the Payment Processing Partner, as well as to any applicable regulatory authority, governmental agency, sponsor bank, issuing bank, card brands, card networks, or other third parties involved in provision of the Payment Services, any information that is reasonably necessary or requested in connection with the Payment Services, underwriting in connection therewith, or ongoing risk evaluation or monitoring of Customers or transactions.