Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and PaymentInt ("Company," "we," "us," or "our") concerning your access to and use of our payment processing services and website.

By accessing or using our services, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use our services.

1. Service Description

PaymentInt provides payment processing services, including but not limited to:

• Credit and debit card processing
• ACH and bank transfer processing
• Digital wallet integration
• Recurring billing and subscription management
• Invoice generation and payment collection
• Point of sale solutions
• Virtual terminal services

Payment infrastructure and Stripe

PaymentInt operates as your payment gateway and merchant services layer. Card and bank payment processing is performed by Stripe, Inc. ("Stripe"), our designated payment processing partner. By using PaymentInt, you acknowledge that:

• Authorizations, captures, settlements, refunds, and disputes are processed through Stripe's regulated infrastructure and the applicable card networks
• Sensitive payment data (such as full card numbers) is handled by Stripe using industry-standard security controls; PaymentInt does not store full card numbers on our systems
• Chargebacks and payment disputes are administered under card-network rules by the customer's issuing bank, with Stripe managing the technical dispute workflow on your behalf
• You may be required to accept Stripe's merchant or connected-account terms, privacy notice, and acceptable-use policies as a condition of processing live payments
• PaymentInt is responsible for the experience we provide; Stripe and financial institutions are responsible for network-level processing, fund movement, and formal dispute decisions

For Stripe's privacy practices, see stripe.com/privacy.

2. Account Registration

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate business
• Provide accurate and complete registration information
• Comply with all applicable laws and regulations

Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information remains accurate and current

3. Fees and Payment

Transaction Fees

You agree to pay all applicable fees as outlined in your service agreement, including:

• Transaction processing fees
• Monthly service fees (if applicable)
• Chargeback fees
• International transaction fees
• Hardware and equipment costs

Payment Terms

Fees are automatically deducted from your processed transactions or charged to your designated payment method. We reserve the right to modify our fees with 30 days' notice. Continued use of our services after fee changes constitutes acceptance of the new fees.

4. Prohibited Activities

You may not use our services for:

• Illegal activities or transactions
• Fraudulent or deceptive practices
• Processing payments without proper authorization
• Money laundering or terrorist financing
• Sale of prohibited goods or services
• Violation of any card network rules
• Excessive chargebacks or disputes
• Circumventing our security measures

5. Compliance and Risk Management

KYC and AML

You agree to provide all necessary documentation for identity verification and compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

Risk Assessment

We reserve the right to:

• Monitor transactions for suspicious activity
• Hold funds pending investigation
• Request additional documentation
• Terminate accounts that pose unacceptable risk
• Report suspicious activities to authorities

6. Chargebacks and Disputes

You are responsible for:

• Responding to all chargebacks and disputes
• Providing evidence to contest invalid chargebacks
• Paying all chargeback fees
• Maintaining a reasonable chargeback ratio

Excessive chargebacks may result in account suspension or termination and the establishment of a reserve account.

Dispute notifications, evidence deadlines, and outcomes are coordinated through PaymentInt and Stripe; final decisions are made by the issuing bank and card networks under their rules—not unilaterally by PaymentInt.

7. Data Security and PCI Compliance

Payment processing security is delivered in partnership with Stripe, which maintains PCI-aligned controls for card data it processes. You agree to:

• Comply with PCI DSS requirements applicable to your business and integration method
• Protect cardholder data in accordance with industry standards and never expose full card numbers in your systems
• Implement appropriate security measures
• Promptly report any security breaches
• Complete required security assessments

8. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed fees paid by you in the preceding 12 months
• We are not responsible for losses caused by third parties or events beyond our control
• We do not guarantee uninterrupted or error-free service

9. Indemnification

You agree to indemnify and hold harmless PaymentInt and its affiliates from any claims, losses, damages, liabilities, and expenses arising from your use of our services, violation of these Terms, or violation of any third-party rights.

10. Termination

By You

You may terminate your account at any time with 30 days' written notice, subject to settlement of all outstanding obligations.

By Us

We may suspend or terminate your account immediately if:

• You violate these Terms
• Your account poses unacceptable risk
• Required by law or card network rules
• Your business engages in prohibited activities

11. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through our platform. Continued use of our services after modifications constitutes acceptance of the updated Terms.