Terms & Conditions 

Terms & Conditions

RECARGASUPER BY PAISDIRECTO - LEGAL & COMPLIANCE DOCUMENTATION

Operational Structure

The platform may operate through different legal entities depending on the customer jurisdiction and payment processing flow:

  • Transactions originating in the United States may be processed through Pais Directo, LLC, a Delaware limited liability company with operational banking relationships in the United States, including PNC Bank.
  • Transactions originating in Latin America may be processed through PaisDirecto SpA, a Chilean company.

The platform commercially operates under the brand "RecargaSuper by PaisDirecto". These documents are drafted in English for banking, merchant acquiring, compliance, Visa, Mastercard, underwriting, and regulatory review purposes.

1. Terms of Service

RecargaSuper by PaisDirecto provides a digital commerce platform enabling customers in approved jurisdictions to purchase closed-loop supermarket giftcards redeemable exclusively within participating supermarket networks in South America, including Cencosud. The services do not constitute money transmission, remittance services, stored value accounts, custodial wallets, open-loop prepaid access, financial or banking products. All purchases are final once issued.

2. Privacy Policy & Data Retention

PaisDirecto SpA collects personal, payment, and transaction data for processing, fraud prevention, identity verification, sanctions screening, and legal compliance. Data may be shared with payment processors, acquiring banks, fraud prevention providers, and regulators where required. The company does not sell personal information. Privacy requests can be submitted to: contacto@paisdirecto.com.

3. Refund & Cancellation Policy

Due to the digital nature of giftcards, transactions are generally non-refundable once issued. Exceptions may apply for duplicate transactions, technical errors, or unauthorized transactions. Users are encouraged to contact customer support before initiating chargebacks.

4. AML/KYC & Compliance Policy

PaisDirecto SpA maintains procedures designed to prevent fraud, money laundering, terrorist financing, and sanctions violations. The company reserves the right to request identity and source of funds documentation. The platform may not be used by individuals or entities subject to OFAC, UN, or EU sanctions.

5. Security & PCI Statement

Payment transactions are processed through authorized payment processors. The company and its partners maintain measures aligned with PCI-DSS standards. Security measures include 3D Secure authentication, device fingerprinting, and velocity checks.