wamo + ProntoPro Cashback Campaign

Terms and Conditions for the 10% Cashback Offer

Effective from: 1 October 2026

Territory: European Economic Area (excluding Latvia, Hungary, Czech Republic, Portugal, Slovakia)

1. Campaign overview

wamo Solutions Ltd (Malta) (“wamo”) and ProntoPro (“Partner”) are running a limited-time cashback campaign offering customers of ProntoPro a 10% cashback reward on eligible payments made with a wamo Visa Business card.

This campaign is designed to encourage ProntoPro customers to use wamo for their business payments while providing measurable value through direct cashback returns.

2. Who can participate

Eligible Participants

You are eligible for cashback if you:

  • Hold an active wamo business account in good standing

  • Are a customer of ProntoPro (i.e., you use ProntoPro’s services)

  • Make payments to ProntoPro using an eligible wamo card (see section 3 below)

  • Are a business incorporated in the European Economic Area, except for businesses incorporated in Latvia, Hungary, Czech Republic, Portugal, or Slovakia

Ineligible Participants

You are NOT eligible for cashback if:

  • Your wamo account is closed, frozen, or under investigation for fraud, AML, or sanctions reasons

  • You have breached wamo’s Business Account Terms or any applicable regulations

  • Your payment is made in breach of ProntoPro’s or wamo’s terms of service

3. Eligible cards and transactions

Eligible Cards

Cashback is credited only on payments made with:

  • Physical wamo Visa Business cards issued to your account

  • Virtual wamo Visa Business cards issued to your account or your team members

Note: Payments by bank transfer, SEPA direct debit, or any non-card method are not eligible for cashback, as the reward is calculated from card scheme transaction data.

Eligible Transactions

Cashback applies only to:

  • Successful card payments that settle on the card scheme

  • Payments made directly to ProntoPro for its own services

  • Payments where the full amount is retained by wamo (not reversed, refunded, or disputed)

Ineligible Transactions

Cashback is NOT credited on:

  • Declined or failed transactions

  • Pre-authorisations that do not settle

  • Refunded or partially refunded payments

  • Chargebacks, reversals, or disputed transactions

  • ATM withdrawals or cash-equivalent transactions

  • Transactions on accounts that are closed, frozen, or under investigation

  • Transactions found to be fraudulent or made with a lost or stolen card

  • Any transaction structured to harvest cashback artificially (circular payments with no underlying service)

4. How cashback is calculated

Cashback Rate and Cap

  • Cashback rate: 10% of net eligible spend

  • Monthly cap per customer: €100 per calendar month

  • Cap reached at: €1,000 of eligible spend in a calendar month

  • Minimum spend: None — cashback is credited from the first euro

How It Works

Net eligible spend: Cashback is calculated on the net amount that settles (i.e., after any refunds or reversals in the same month are deducted).

Monthly reset: The €100 cap resets on the first day of each calendar month. Unused cap from one month does not carry over to the next month.

Example: If you spend €500 with ProntoPro in June using your wamo card, you earn 10% × €500 = €50 cashback. If you then spend a further €600 in June, you earn 10% × €600 = €60, but only €50 is credited (total cap of €100). The remaining €10 is forfeited.

IMPORTANT: Cashback is calculated and credited on settled transactions only. A transaction may appear in your card activity before it settles on the card scheme; cashback is credited only after settlement.

5. Payment and crediting

When Cashback is Credited

Cashback on spend that settles in a calendar month is credited to your wamo business account as cash between the 1st and 10th day of the second month following the spend month.

Examples:

  • June spend: Credited August 1–10

  • July spend: Credited September 1–10

  • December spend: Credited February 1–10

Why This Timing?

This two-month lag ensures that the payment return period (chargeback window) has fully completed before cashback is credited, protecting both you and wamo. If a transaction is reversed or disputed during this period, the cashback is not credited.

How You Receive It

  • Cashback is paid as a single cash credit to your wamo business account

  • It is clearly labelled as “ProntoPro Cashback” along with the month it relates to

  • No claim or receipt upload is required, it is credited automatically

  • Once credited, the amount is yours to use like any other account balance

6. Exclusions and reversals

Automatic Reversal of Cashback

Cashback may be reversed if a transaction is later found to be:

  • Fraudulent or made with a compromised, lost, or stolen card

  • Made in breach of wamo’s or ProntoPro’s terms of service

  • Subject to a chargeback before the cashback was credited (see section 5 above)

Netting Refunds Against Cashback

If you receive a refund from ProntoPro for a payment made in the same month, the refund amount is netted off against your cashback for that month, rather than your account being debited. This prevents you from being charged back for cashback already credited.

Example: You spend €600 in June and earn €60 cashback. In June, you request a refund of €200. The refund is applied first: your net spend is now €400, so your cashback is recalculated as €40. The difference (€20) is deducted from the amount credited in August.

Anti-Abuse

wamo reserves the right to withhold or reverse cashback if you:

  • Attempt to harvest cashback through circular or artificial transactions with no underlying service

  • Breach any provision of wamo’s Business Account Terms

  • Engage in fraud or attempt to circumvent these terms

Any withheld or reversed amount will be explained to you in writing.

7. Campaign duration

Campaign Period

  • Start date: 1 October 2026

  • End date: 31 December 2027

Transactions During and After Campaign End

If the campaign ends:

  • Commission: Referral commissions remain payable on transactions initiated before the end date

  • Cashback: Cashback applies only to spend that settles on or before the campaign end date. Spend after the end date does not earn cashback, even if credited in arrears

8. Changes to these terms

Amendment of Campaign Terms

wamo may adjust the cashback rate, the monthly cap, territory restrictions, or other terms of this campaign on 30 days’ written notice to you. Notice will be sent via email to the address registered on your wamo account.

Changes apply only to transactions that settle AFTER the notice period has ended. Spend before the effective date is governed by the previous terms.

Suspension and Termination

wamo or ProntoPro may suspend or terminate this campaign:

For regulatory or compliance reasons: Immediately, with notice sent as soon as practicable

For other reasons: On 30 days’ written notice to you and to the other party

Upon suspension or termination:

  • New transactions will no longer earn cashback once the effective date of suspension/termination is reached

  • Transactions that have settled BEFORE the effective date remain eligible and will be credited according to these terms

  • Any cashback already credited to your account is retained

  • The underlying ProntoPro Affiliate Terms and Conditions will continue to govern referral commissions (if applicable) unless separately terminated

Account closure: If your wamo account is closed, suspended, or frozen (for any reason including fraud, AML, sanctions, or breach of terms), you immediately become ineligible for any future cashback, and wamo may reverse any pending or uncredited cashback.

9. General terms

No Guarantee

Cashback is offered on an as-is basis. wamo makes no guarantee that the campaign will continue indefinitely or that terms will not change. The campaign is subject to regulatory approval and may be suspended or terminated at any time if required by law, by wamo’s compliance requirements, or by mutual agreement with ProntoPro.

Relationship to Your Account Terms

These campaign terms supplement and are ancillary to wamo’s Business Account Terms and Conditions and ProntoPro’s Affiliate Terms and Conditions. In the event of any conflict:

  • The Business Account Terms always take precedence for matters relating to your wamo account (account closure, fraud detection, compliance, fund transfers, etc.)

  • The Affiliate Terms take precedence for matters relating to the partnership between wamo and ProntoPro

  • These Campaign Terms govern the cashback offer specifically, except where Business Account Terms or Affiliate Terms explicitly state otherwise

Entire Agreement

This campaign is governed by the agreements listed above. These campaign terms, together with wamo’s Privacy Policy, the Data Processing Addendum, and your acceptance of wamo’s Business Account Terms, constitute the entire agreement between you and wamo regarding the cashback campaign.

Interpretation

The following definitions apply throughout these terms:

Business Day: Any day that is not a Saturday, Sunday, or public holiday in Malta or Italy.

Calendar Month: The first to the last day of any month (January, February, etc.).

Settled: A transaction is settled when it has been fully processed by the card scheme (Visa) and the merchant acquiring bank, and the funds have been transferred. Pending transactions do not count as settled.

Net Eligible Spend: The total amount of eligible spend in a month minus any refunds, reversals, or chargebacks that reduce that amount in the same month.

Campaign Terms and Conditions

Version 1.0 | Effective 1 October 2026

© 2026 wamo Solutions Ltd. All rights reserved.

This document forms part of the partnership agreement between wamo Solutions Ltd (Malta) and ProntoPro. It is intended for professionals and businesses who are customers of ProntoPro and hold active wamo business accounts. These terms are legally binding and supplemented by wamo’s Business Account Terms and Conditions and the underlying Affiliate Terms and Conditions between wamo and ProntoPro.

For questions, disputes, or clarifications, contact support@wamo.io with “ProntoPro Cashback” in the subject line.