Cashback Program Terms & Conditions

Scope and effective date

These Cashback Program Terms & Conditions govern the domestic and international cashback features offered by DarbPay for Information Technology to eligible business customers. These Cashback Terms form part of DarbPay's general platform terms and cardholder/account terms.

These Cashback Terms are effective from: 01/03/2026.

“Account” means the Customer's DarbPay business account. “Wallet” means the Customer's DarbPay prepaid wallet/balance used to fund card transactions. “Card” means any physical or virtual payment card issued under the Customer's Account. “Active Card” means a Card that is issued and not permanently terminated as of the relevant billing cut-off date, and which DarbPay treats as billable under the Customer's plan. “Billing Period” means the monthly period for card fees and cashback calculation (typically a calendar month). “Reward Period” means the monthly period used to determine Eligible Spend for cashback (typically the same as the Billing Period). “Settled Transaction” means a transaction that has been posted/cleared by the payment network and reflected in DarbPay's records (not merely authorized). “Refund” includes refunds, reversals, chargebacks, partial refunds, and transaction cancellations. “MCC” means Merchant Category Code used by payment networks to classify merchants.

“Domestic Transaction” means a Settled Transaction that is classified as domestic by the payment network and DarbPay's processing partners.

“International Transaction” means a Settled Transaction classified as international when the merchant sits outside of the Kingdom.

“Eligible Spend” means spend from Settled Transactions, net of any Refunds, and excluding Excluded Transactions (defined below).

“Cashback” means a credit amount DarbPay deposits to the Customer's Wallet in accordance with these Cashback Terms.

Cashback is available only to business Customers with an active Account in good standing (not suspended, restricted, or delinquent) at the time cashback is calculated and at the time it is credited.

DarbPay may offer Cashback as an ongoing benefit and/or as a limited-time campaign. DarbPay may set different cashback rates, caps, and eligibility rules for different customer segments, plans, or campaigns, and will communicate applicable rates and caps through the dashboard and/or pricing page as applicable.

Unless DarbPay explicitly states otherwise, the following are excluded from Eligible Spend and do not earn Cashback:

• Any fees, charges, penalties, taxes, or government charges charged by DarbPay or third parties.
• Cash withdrawals, quasi-cash transactions, money transfers, wallet-to-wallet transfers, and similar cash-like transactions.
• Any transaction that is Refunded (cashback may be reversed as described below).
• Any transaction that is rejected/declined/failed and does not settle.
• Any transaction DarbPay reasonably determines to be abusive, fraudulent, artificially inflated, circular, or primarily intended to generate Cashback rather than pay for bona fide goods/services.

DarbPay reserves the absolute, unilateral right to determine whether a transaction qualifies as an Eligible Transaction. The assignment of Merchant Category Codes (MCC) is dictated entirely by the merchant's acquiring bank and the global card network (Visa). DarbPay cannot change MCC classification and therefore cannot award cashback for transactions classified under excluded MCCs.

Cashback shall not accrue, under any circumstances, on transactions processed under the following categories:

• Fuel and Petroleum: Automated Fuel Dispensers (MCC 5542), Service Stations (MCC 5541, 5548), and Fuel Dealers (MCC 5983).
• Financial Services and Cash: Automated Teller Machine (ATM) Disbursements (MCC 6011), Manual Cash Disbursements (MCC 6010), Financial Institutions: Merchandise, Services, and Debt Repayment (MCC 6012), Non-Financial Institutions: Foreign Currency, Non-Fiat Currency, Money Orders, Account Funding, and Travelers Cheques (MCC 6051).
• Digital Wallets: Stored Value Card Purchase/Load (MCC 6540).
• Government and Taxation: Government Services Not Elsewhere Classified (MCC 9399), Tax Payments (MCC 9311), Fines (MCC 9222), Court Costs (MCC 9211).
• Utilities: Electric, Gas, Heating Oil, Sanitary, Water (MCC 4900).

The Client shall earn 2.00% cashback on all Eligible International Transactions made using an active DarbPay Card during a Reward Period.

“International Transactions” shall mean card transactions processed by non-Saudi domiciled merchants or transactions settled in a foreign currency, as determined by the applicable card network (Visa) at the time of settlement.

Cashback shall apply only to transactions that are:

• Successfully authorized and settled;
• Not reversed, refunded, disputed, or charged back;
• Classified as eligible merchant categories by DarbPay at its sole discretion.

The International Cashback program is uncapped, meaning there is no predefined maximum cashback limit per Reward Period, unless otherwise communicated by DarbPay in writing.

Cashback shall be calculated on the net settled amount, exclusive of:

• FX markup fees,
• Taxes,
• Regulatory charges,
• Cash withdrawal fees,
• Any non-purchase financial transactions.

DarbPay reserves the right to determine eligibility based on Merchant Category Codes (MCC), card network classification, and internal risk policies.

Cashback shall not constitute interest, deposit return, or guaranteed financial yield.

DarbPay reserves the right to amend, suspend, or terminate the International Cashback program at its discretion, subject to reasonable notice provided via the Platform or official communication channels.

Cashback is calculated only on Settled Transactions, net of Refunds.

Cashback is calculated monthly for the prior Reward Period and credited to the Customer's Wallet once per month, typically within 5–7 business days after the end of the Reward Period.

Cashback is rounded down to the nearest halala (0.01 SAR).

For the purposes of cashback calculation, each Reward Period shall end at 23:59 (Kingdom of Saudi Arabia time) on the final calendar day of the applicable Reward Period. Transactions settled after this cut-off time shall be carried forward to the subsequent Reward Period.

DarbPay may delay crediting where required to investigate suspected fraud, misuse, refunds, or technical issues.

DarbPay may set a minimum cashback credit threshold and may carry forward smaller amounts until the threshold is met.

If a transaction that previously earned Cashback is later Refunded, disputed, reversed, or deemed ineligible, DarbPay may reverse the associated Cashback.

If reversals result in a negative cashback balance for a Reward Period, DarbPay may deduct the outstanding amount from the Customer's Wallet and/or offset it against future Cashback.

Cashback is credited only to the Customer's Wallet and is not transferable to another customer, user, or external account unless DarbPay explicitly allows it.

Cashback is a promotional benefit and does not constitute electronic money issuance by itself; it is a Wallet credit usable for payments/fees under the Account.

DarbPay retains the unilateral right to suspend, freeze, or permanently revoke cashback privileges, without prior notice, if its automated security systems detect patterns indicative of "manufactured spending," artificial transaction splitting, systemic abuse of the domestic cap logic, or usage of the corporate card for personal, non-commercial expenditures.

The Client explicitly agrees that all card usage complies with Saudi Arabian Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.

In strict accordance with SAMA regulations, DarbPay reserves the right to modify the cashback earning percentages, add/adjust any Tier thresholds, alter the Card Fees, or update the list of excluded MCCs at its sole discretion. DarbPay commits to notifying the Client via SMS and electronic mail a minimum of fourteen (14) days prior to the implementation of such material changes, except related to fraud/security, regulatory directives requiring immediate action and urgent risk controls. During this mandatory 14-day notice period, the Client retains the right to terminate their agreement and cancel their cards without early termination fee.

Any taxes, levies, or accounting treatment associated with Cashback are the Customer's responsibility.

These Cashback Terms are governed by the laws and regulations of the Kingdom of Saudi Arabia and disputes are subject to the competent courts and authorities in Riyadh, unless mandatory law requires otherwise.