Terms of Service

1. Definitions

In these Terms: "Zupay" means Zupay, including its subsidiaries and affiliates. "Services" means all payment processing, dashboard, API, and related services provided by Zupay. "Merchant" or "you" means the entity or individual that has registered for and uses the Services. "Platform" means the Zupay dashboard, APIs, SDKs, and associated tools. "Transaction" means any payment processed through the Services.

2. Account registration

To use the Services, you must create an account and provide accurate, complete information. You must be at least 18 years old and have the legal authority to enter into this agreement on behalf of your business. You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

Zupay reserves the right to refuse registration or suspend accounts that do not meet our eligibility criteria, including those operating in prohibited industries or jurisdictions listed in our Acceptable Use Policy.

3. Use of services

Zupay grants you a limited, non-exclusive, non-transferable licence to access and use the Services for your lawful business purposes, subject to these Terms. You agree to use the Services in compliance with all applicable laws and regulations, including payment network rules, anti-money laundering (AML) regulations, and data protection laws.

4. Prohibited activities

You may not use the Services to process payments for:

• Illegal goods or services in any applicable jurisdiction
• Adult content, gambling, or firearms without appropriate licences and Zupay's prior written approval
• Cryptocurrency exchanges or money transmission without applicable licences
• Pyramid schemes, Ponzi schemes, or multi-level marketing involving unlawful practices
• Counterfeit goods or intellectual property infringement
• Any activity that violates card network rules (Visa, Mastercard, etc.)

5. Fees and payment

Fees for the Services are set out on our Pricing page or in your individual merchant agreement. Fees are deducted from settlement proceeds or charged to the payment method on file. Zupay reserves the right to change fees with 30 days' notice.

6. Settlement and payouts

Subject to these Terms, Zupay will settle transaction proceeds to your nominated bank account according to the settlement schedule in your merchant agreement (typically T+1 to T+3 business days). Zupay may withhold settlement where there is reasonable suspicion of fraud, excessive chargebacks, a legal hold, or a breach of these Terms.

7. Disputes and chargebacks

You are responsible for all chargebacks, reversals, and dispute fees arising from Transactions processed through your account. Zupay will notify you of chargebacks and provide a dispute window to submit evidence.

8. Termination

Either party may terminate this agreement with 30 days' written notice. Zupay may terminate immediately upon: material breach of these Terms, excessive fraud or chargeback activity, insolvency proceedings, or regulatory direction.

9. Limitation of liability

To the maximum extent permitted by applicable law, Zupay's total cumulative liability to you for any claims arising under or related to these Terms shall not exceed the fees paid by you to Zupay in the three months immediately preceding the claim.

10. Intellectual property

Zupay and its licensors own all intellectual property rights in the Services, including the Platform, APIs, and documentation. These Terms do not transfer any ownership rights to you.

11. Governing law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

For questions regarding these Terms or any legal inquiries: