Terms of Service

1. Service Description
We have engineered a versatile payment solution (the "Service") enabling merchants to effortlessly integrate various local and international payment methods across global markets. Using our Service indicates your acceptance of these conditions.
Where regional regulations apply, these Terms may be supplemented by territory-specific provisions (such as those for Bahrain). Should any conflict arise between these general Terms and region-specific provisions, the latter will take precedence. Your continued use of our platform confirms your agreement to these terms.
2. Platform Technology
We offer our API suite and complementary software tools to enable your effective use of the Service. We maintain the right to mandate installation of any software updates essential for Service continuity. Our platform supports recurring payment management and subscription billing features. It remains your duty to obtain appropriate customer consent for recurring billing in compliance with relevant legal frameworks and payment network guidelines.
3. Financial Processing Authorization
Your acceptance of this agreement authorizes us to handle, receive, and distribute funds on your behalf following settlement from payment partners. You permit us to hold settlement funds in a custodial account pending transfer according to our agreement terms. You understand you have no claim to interest or compensation related to funds awaiting settlement, no control over the custodial account operations, and cannot assign any interest within that account.
The dashboard displays projected settlements we have received or anticipate receiving for you. This information serves reporting purposes only and does not represent a financial obligation. You acquire no ownership rights to settlement funds until they reach your designated account. These authorizations continue until your account is formally closed.
4. Supported Payment Options
Our comprehensive global payment framework incorporates numerous payment channels, including but not limited to electronic wallets, direct banking transfers, wire payments, cash-based payment solutions, and prepaid card processing.
5. Taxation Responsibilities
You bear exclusive responsibility for identifying applicable taxes related to your commercial activities and payments received through our Service. The assessment, collection, reporting, and remittance of appropriate taxes to relevant authorities remains entirely your obligation. We may submit transaction reports to tax authorities as required by governing regulations.
6. Your Security Obligations
You maintain complete responsibility for data protection within your website and systems. You commit to following all applicable governmental regulations concerning collection, security, and distribution of personal, financial, and transaction information. You must protect your dashboard access credentials, and while we implement reasonable security protocols, you remain responsible for access control.
7. Our Protection Measures
We are committed to safeguarding data under our management through implementation of industry-standard administrative, technical, and physical safeguards for stored personal information. However, we cannot provide absolute guarantees against unauthorized access attempts. You recognize the inherent risks in digital information sharing. We suggest reviewing our Privacy Policy for details on our information handling practices.
8. Security Assessment Provisions
If reasonable concerns about security breaches or data compromise arise, we may require engagement of an approved third-party security specialist to evaluate your systems and provide assessment reports to us and our financial partners. Responsibility for assessment costs will be determined based on the investigation findings.
9. Data Privacy Commitment
Protecting your privacy and data represents a core priority. By utilizing our Service, you acknowledge receipt and acceptance of our Privacy Policy outlining our collection, usage, retention, and disclosure practices for personal information. You understand that we or our payment partners may need to disclose certain business details to authorities under valid legal directives. Information you supply may be shared with payment partners exclusively to facilitate payment processing options. We will never market or sell your customer data to third parties.
In collecting and processing personal information, we adhere strictly to relevant data protection standards. For European Economic Area users, we observe General Data Protection Regulation (GDPR) requirements; for California residents, California Consumer Privacy Act (CCPA) provisions apply. Depending on applicable law, you and your customers may have rights regarding access, correction, deletion, and processing objections for personal data.
10. Third-Party Data Responsibilities
You represent your compliance with relevant privacy legislation and confirm securing necessary permissions to share information with us or allow our collection, usage, and processing of user data you provide. You maintain sole responsibility for informing your customers about our role in payment processing.
11. Service Usage Limitations
You must operate in compliance with all applicable laws and regulations when using our Service. Without limiting additional restrictions in this Agreement, you are prohibited from:
a) Utilizing payment channels to advance funds to users;
b) Submitting transactions unrelated to genuine sales or legitimate donations;
c) Operating as a payment intermediary or redistributing our services;
d) Knowingly processing suspicious or fraudulent transactions;
e) Using our platform in ways our payment partners might consider abusive;
f) Attempting to access restricted systems or data;
g) Reproducing or distributing our materials without authorization;
h) Enabling third-party Service benefits through rental or similar arrangements;
i) Transferring rights granted under this Agreement;
j) Bypassing technical limitations, reverse engineering, or decompiling the Service;
k) Disrupting Service operations or other users' access; or
l) Using the Service in any unauthorized manner.
Our services cannot be used for the following prohibited business categories:

• Adoption services

• Adult-oriented content or services (including pornography and sexual entertainment)

• Products containing alcohol, tobacco, or nicotine

• Materials containing asbestos

• Auction platforms lacking verification protocols

• Human biological materials

• Products or services promoting body enhancement

• Currency or negotiable instruments

• Controlled or hazardous substances

• Dangerous materials (explosives, flammable substances, oxidizers)

• Digital currency, cryptocurrency, or unregistered payment instruments

• Debt collection operations

• Illegal substances or products simulating their effects

• Financial trading platforms, investment schemes, or market speculation services

• Gambling operations or lottery services

• Unverified gift card services

• Unlicensed insurance offerings

• Invasive medical equipment or cosmetic treatment devices

• Live animal sales

• Unlicensed lending operations

• Unauthorized medical practices

• Pharmaceutical products or unsubstantiated health claims

• Weapons, ammunition, or restricted equipment

• Multi-level marketing or pyramid arrangements

• Pawnbroker services

• Hazardous chemical substances

• Political campaign financing or donation processing

• Precious metal or gemstone trading without verification

• Products prohibited by health authorities

• Content involving exploitation of minors

• Products violating intellectual property rights

• Adult service arrangements

• Radioactive materials

• Religious or charitable donation processing

• Sports betting or games offering monetary rewards

• Counterfeit, smuggled, or misappropriated merchandise

This represents a non-exhaustive list, and we maintain discretion to deny service for any business presenting unacceptable risk or regulatory concerns.
12. Merchant Commitments
You agree to furnish all requested information about your business operations and ownership when establishing your account and during subsequent reviews. You must promptly inform us in writing about significant legal proceedings, regulatory inquiries, business structure changes, or compliance developments that could affect your operations or our regulatory standing.
Customer complaint resolution must occur within 7-14 business days. We reserve the right to initiate refunds when product delivery deadlines are missed or reasonable customer concerns remain unaddressed after 7 working days.
Regarding refund management, we may independently issue refunds in response to customer inquiries, suspected fraud, unverified user transactions, or potentially illegal activity. If proper confirmation is unavailable or customers question transactions, we will contact you for verification of service/product delivery. Communications will be directed to your registered email address. Insufficient response within three business days may result in unilateral refund issuance. You agree to cover all costs associated with processed refunds.
13. Prohibited Activities
We maintain the right to reject processing or reverse any transaction potentially violating this Agreement or presenting risk to involved parties. You authorize information sharing with law enforcement regarding your account or transactions when legally required or to address suspected unlawful activity.
14. Communication Protocols
You consent to receiving notices and disclosures through website postings, email communication to your registered address, or physical mail to your recorded business location. Electronic communications carry the same legal effect as paper documents. Such notifications are considered received within 24 hours of posting or sending, barring delivery failure notifications.
When receiving information about others through our Service, you must maintain confidentiality and limit usage to Service-related purposes. Distribution to third parties or marketing use requires explicit user consent.
15. Business Association
From account activation until termination, you permit us to identify you as a client. Neither party shall suggest false endorsements or affiliations between our organizations.
16. Duration and Termination
We retain the right to discontinue your Service access, including account termination, for Terms violations or at our discretion. Following termination, we may delay disbursements for up to six months and deduct amounts required to resolve outstanding obligations associated with your account.
17. Terms Modifications
We may update these Terms periodically by revising this document. You are responsible for regularly reviewing these Terms, as continued platform usage following modifications constitutes acceptance of the updated conditions.
18. Liability Limitations
Website information is provided for general reference. While we endeavor to maintain accurate content, we make no warranties regarding completeness, accuracy, reliability, or fitness for purpose of the material presented. Any reliance on such information occurs at your own risk.
We accept no liability for any losses or damages, including consequential damages, arising from website or service usage. External website links are provided as conveniences without implying endorsement. While we strive for continuous service availability, we assume no responsibility for temporary access interruptions due to factors beyond our control.
19. Legal Framework and Dispute Resolution
This Agreement operates under the laws of [your registration country/region], independent of conflict of law principles. Parties shall attempt to resolve disputes through good-faith negotiation. Should negotiation prove unsuccessful, disputes shall be submitted to the exclusive jurisdiction of [your registration place] courts.
20. Exceptional Circumstances
Neither party bears liability for performance delays or failures resulting from circumstances beyond reasonable control, including natural disasters, labor actions, conflict, civil disturbance, governmental actions, health emergencies, or similar extraordinary events. The affected party shall promptly notify the other and take reasonable measures to minimize disruption.