Terms of Service

Effective Date: October 22, 2025

Last Updated: October 22, 2025

Version: 2.0

Legal Agreement: By accessing or using PayWall's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our services.

This Terms of Service agreement (“Agreement”) governs your use of PayWall's payment processing services. Please read these terms carefully and contact our legal team at legal@paywall.app if you have any questions.

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and PayWall (“Company,” “we,” “us,” or “our”) governing your access to and use of our payment processing services.

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you must not access or use our Services.

These Terms apply to all users of our Services, including merchants, customers, and visitors to our platform.

2. Definitions

The following terms have specific meanings when used in this Agreement:

Services

PayWall's payment processing platform, APIs, and related services

User/You

Any individual or entity using our Services

Merchant

Business entity accepting payments through our platform

Transaction

Any payment processed through our Services

Agreement

These Terms of Service and all referenced policies

3. Eligibility and Registration

To use our Services, you must meet certain eligibility requirements and complete our registration process.

Eligibility Requirements

  • • Must be at least 18 years old
  • • Legal capacity to enter contracts
  • • Valid business registration (for merchants)
  • • Compliance with local laws

Registration Obligations

  • • Provide accurate information
  • • Complete identity verification
  • • Maintain current account details
  • • Secure account credentials

4. Description of Services

PayWall provides payment processing services that enable merchants to accept and process electronic payments from customers.

Our Services Include:

  • • Payment processing and authorization
  • • Fraud detection and prevention
  • • Transaction reporting and analytics
  • • Merchant account management
  • • API and integration support
  • • Customer support services

Service Availability

While we strive for maximum uptime, our Services may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We do not guarantee uninterrupted access to our Services.

5. Acceptable Use Policy

You agree to use our Services only for lawful purposes and in accordance with these Terms. The following activities are strictly prohibited:

Prohibited Activities

  • Fraudulent or illegal transactions
  • Money laundering or terrorist financing
  • Sale of illegal goods or services
  • Adult content or services
  • Gambling or gaming activities
  • Cryptocurrency or digital currency trading
  • High-risk industries without prior approval
  • Trademark or copyright infringement

Your Obligations

Accurate Information

Provide truthful and up-to-date account information

Compliance

Follow all applicable laws and regulations

Security

Maintain the security of your account credentials

Notification

Report any unauthorized use or security breaches

Documentation

Maintain proper transaction records and documentation

Cooperation

Assist with investigations and compliance requests

Enforcement

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account, withholding of funds, and potential legal action.

6. Payment Terms and Fees

Processing Fees

Our processing fees are clearly disclosed during account setup and in your merchant agreement. Fees may vary based on transaction volume, industry, and risk factors.

Standard Processing

Fees apply to all successful transactions

Additional Services

Premium features may incur additional charges

Settlement Terms

  • Standard settlement: 2-3 business days
  • Rolling reserves may apply for high-risk accounts
  • Detailed settlement reports provided

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PAYWALL'S TOTAL LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO PAYWALL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

IN NO EVENT SHALL PAYWALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES.

Service Disclaimers

Our Services are provided “as is” without warranties of any kind. We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

Third-Party Services

We are not responsible for the actions, products, or services of third parties, including payment networks, banks, or integrated services.

8. Termination

Termination Rights

By You

You may terminate this Agreement at any time by closing your account and ceasing use of our Services.

By PayWall

We may terminate or suspend your access immediately for cause, including violation of these Terms.

Effect of Termination

  • Outstanding obligations remain in effect
  • Settlement of pending transactions will continue
  • Access to Services will be revoked
  • Data retention policies will apply

9. Governing Law and Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction where PayWall is incorporated, without regard to conflict of law principles.

Dispute Resolution Process

1

Direct Resolution

Contact our support team to resolve disputes informally

2

Mediation

If direct resolution fails, disputes may proceed to mediation

3

Arbitration

Final disputes resolved through binding arbitration

10. Modifications to Terms

We may modify these Terms from time to time to reflect changes in our Services, applicable law, or business practices. We will provide notice of material changes as required by law.

Notice Period

30 days advance notice for material changes

Continued Use

Constitutes acceptance of modified Terms

11. Contact Information

For questions about these Terms or legal matters, please contact us:

Legal Department

Email: legal@paywall.app

General: hello@paywall.app

Support: support@paywall.app

Business Address

PayWall Inc.

Legal Department

Available upon request

Legal Questions?

Contact our legal team for clarification on these Terms of Service.