OmniHOmniH Payment Processing & Settlement Authorization
Effective Date: ___________________
This Payment Processing & Settlement Authorization (“Authorization”) forms part of the OmniH Facility Partnership Agreement and governs payment collection, settlement, and payment-related activities associated with services facilitated through OmniH.
1. PURPOSE
OmniH facilitates healthcare coordination and may facilitate payment collection and settlement associated with services provided by participating facilities.
This Authorization establishes the Facility’s consent and instructions regarding payment processing and settlement activities conducted through OmniH.
2. PARTIES
For purposes of this Authorization:
PragmaHealth LLC owns and operates the OmniH platform.
GAGYAPONG CONSULT LLC may provide onboarding, payment administration, operational support, business development, and settlement-related activities in Ghana on behalf of PragmaHealth LLC.
Payment services may be provided through authorized third-party payment processors, including Paystack and other approved financial service providers.
3. PAYMENT MODELS
The Facility acknowledges that OmniH may support one or more payment arrangements, including:
Facility-Managed Settlement
Payments are collected directly into accounts owned or controlled by the Facility. In this arrangement, the Facility is responsible for:
- Merchant account management;
- Refunds;
- Chargebacks;
- Account reconciliation;
- Compliance with payment provider requirements.
OmniH-Managed Settlement
Payments are collected through OmniH, PragmaHealth LLC, GAGYAPONG CONSULT LLC, or authorized payment partners and subsequently remitted to the Facility according to the agreed settlement schedule.
The applicable payment model shall be determined during onboarding and may be modified by mutual agreement.
4. AUTHORIZATION
The Facility authorizes:
- PragmaHealth LLC;
- GAGYAPONG CONSULT LLC;
- OmniH;
- Authorized payment processors;
- Authorized banking and settlement partners
to:
- Process payment transactions related to services facilitated through OmniH;
- Collect payments from patients or authorized payers;
- Verify payment information;
- Transfer settlement funds to the Facility;
- Maintain payment records;
- Conduct reconciliation activities;
- Perform fraud prevention and compliance reviews;
- Facilitate refunds, reversals, or corrections when appropriate.
5. PAYMENT INFORMATION
The Facility represents and warrants that all payment information provided to OmniH is accurate and authorized.
The Facility further certifies that:
- It owns or is authorized to use the designated settlement accounts;
- The information provided is complete and accurate;
- It will promptly notify OmniH of any changes.
OmniH may require verification before implementing account changes.
6. FRAUD PREVENTION AND RISK MANAGEMENT
To protect patients, facilities, and the integrity of the platform, OmniH may implement reasonable fraud prevention measures, including:
- Identity verification;
- Transaction monitoring;
- Manual review;
- Temporary holds;
- Delayed settlement;
- Investigation of suspicious activity.
The Facility agrees to cooperate with such reviews when reasonably requested.
7. RECONCILIATION AND PAYMENT DISPUTES
The Facility agrees to review payment reports and settlement records regularly.
Any discrepancy should be reported within thirty (30) days of the applicable settlement date.
OmniH will make reasonable efforts to investigate reported discrepancies and facilitate resolution where appropriate.
8. THIRD-PARTY PAYMENT PROVIDERS
The Facility acknowledges that OmniH may utilize:
- Paystack;
- Banks;
- Mobile Money Operators;
- Payment gateways;
- Financial institutions;
- Other licensed payment service providers.
OmniH does not provide banking services, money transmission services, or regulated financial services.
OmniH shall not be responsible for delays or failures caused by payment processors, banks, mobile money operators, telecommunications networks, regulatory actions, or force majeure events.
9. AML / KYC COMPLIANCE
The Facility agrees to provide information reasonably required to satisfy:
- Know Your Customer (KYC) requirements;
- Anti-Money Laundering (AML) requirements;
- Fraud prevention requirements;
- Regulatory obligations;
- Payment processor onboarding requirements.
Failure to provide requested information may result in delayed onboarding, delayed settlements, suspension, or termination.
10. TAXES
The Facility remains solely responsible for:
- Taxes;
- Levies;
- Regulatory fees;
- Business registration obligations;
- Tax filings;
- Reporting obligations associated with services performed and payments received.
OmniH does not provide tax advice.
11. CURRENCY AND FOREIGN EXCHANGE
The Facility acknowledges that:
- Payments may originate in different currencies;
- Exchange rates may fluctuate;
- Payment processors may apply conversion fees;
- OmniH does not guarantee any exchange rate.
12. SETTLEMENT SCHEDULE
Unless otherwise agreed, settlement timing shall be determined by:
- Payment processor timelines;
- Banking system availability;
- Regulatory requirements;
- Applicable commercial terms.
Current settlement arrangements may be modified upon reasonable notice.
13. AUTHORIZATION AND ACCEPTANCE
By signing below, the Facility:
- Authorizes OmniH to facilitate payment administration as described herein;
- Certifies that all payment information provided is accurate;
- Agrees to cooperate with KYC, AML, and fraud-prevention requirements;
- Acknowledges responsibility for taxes and regulatory obligations relating to payments received.