Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") form a binding legal agreement between you and Payplify ("Payplify", "we", "us", or "our") governing your access to and use of the Payplify website, application, APIs, and related services (collectively, the "Service").

By creating an account, accessing the Service, or completing a transaction through the Service, you agree to be bound by these Terms, our Privacy Policy, and any additional policies referenced herein. If you do not agree, you may not use the Service.

If you are using the Service on behalf of a business or other legal entity, you represent that you have authority to bind that entity to these Terms, in which case "you" refers to that entity.

IMPORTANT NOTICE: These Terms contain a binding arbitration agreement and a class-action waiver in Section 28. Please read that section carefully — it affects how disputes between you and Payplify are resolved.

2. The Service

Payplify is a commerce platform that enables creators, businesses, and other sellers ("Creators") to sell digital products, memberships, services, and similar offerings ("Products") to end customers ("Buyers"). The Service includes hosted checkout, payment processing facilitation, subscription billing, file delivery, sales analytics, and related tools.

Payplify is a technology platform. Unless we expressly agree otherwise in writing, Payplify is not a marketplace operator, party to your sales contracts, employer, partner, financial institution, money transmitter, escrow agent, or fiduciary. Each sale is a direct contract between the Creator and the Buyer, and the Creator is the merchant of record for that sale.

Payment processing (including card networks, alternative payment methods, and digital asset settlement) is provided by one or more third-party payment service providers ("Payment Providers"). Funds collected from Buyers are held and controlled by Payment Providers in regulated for-benefit-of accounts and are not deposits with Payplify. Your use of payment processing is also subject to the applicable Payment Provider terms, which we may update from time to time.

3. Eligibility & Account Registration

To use the Service you must (a) be at least 18 years old (or the age of majority in your jurisdiction, if higher); (b) have full legal capacity to enter into binding agreements; and (c) not be located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive sanctions administered by the United States, the European Union, the United Kingdom, or the United Nations.

You agree to provide accurate, current, and complete information during registration and to keep that information current. We and our Payment Providers may require additional information to verify your identity, business, beneficial ownership, tax status, or banking details ("KYC/KYB/AML") at any time, including periodic re-verification. Failure to provide required information may result in suspension, payout holds, or termination.

You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately at support@payplify.com of any unauthorized use.

4. Account Ownership & Authorized Users

The individual or legal entity that first completes onboarding and connects a verified payout account is recognized as the Account Holder and is the sole party authorized to control the account, modify account information, authorize additional users, and change financial settings.

Payplify does not mediate or resolve internal disputes between co-founders, partners, employees, agents, or other parties claiming rights to an account, its content, or its proceeds. You are solely responsible for resolving any such disputes outside the Service.

If multiple parties claim rights to the same account, we may, in our sole discretion, suspend the account, freeze associated funds, or require a court order before taking further action.

5. Creator Obligations

As a Creator, you are solely responsible for:

• The Products you offer, including their accuracy, quality, legality, functionality, and fitness for purpose.
• Providing clear pre-purchase descriptions, pricing, delivery terms, refund policies, and contact information to Buyers.
• Delivering Products to Buyers promptly and as described.
• Responding to Buyer inquiries, complaints, and refund requests in good faith and within a reasonable time.
• Complying with all applicable laws, including consumer protection, advertising, e-commerce, data protection, export control, intellectual property, tax, and anti-money-laundering laws.
• Maintaining the rights, licenses, and permissions necessary to sell every Product you list.
• Providing accurate and lawful descriptors, branding, and marketing copy at checkout.

You are the merchant of record for your sales unless we expressly agree otherwise in writing.

6. Prohibited Products & Activities

You may not use the Service to sell, promote, or distribute Products in any of the following categories, and you may not engage in the activities listed below. Violations may result in immediate suspension, termination, fund holds, fines, and reporting to applicable authorities and Payment Providers.

Prohibited Products and content include, without limitation:

• Illegal goods, services, or content under any applicable law.
• Sexually explicit, pornographic, or adult content; content depicting minors in sexual or exploitative contexts is strictly prohibited.
• Content that infringes any third party's intellectual property, publicity, or privacy rights.
• Counterfeit, stolen, or unauthorized resale goods or credentials.
• Firearms, ammunition, explosives, weapons, or related accessories.
• Controlled substances, narcotics, prescription medication, or related paraphernalia.
• Gambling, lotteries, betting, sweepstakes, or similar offerings without all required licenses.
• Financial, investment, tax, legal, or medical advice that is misleading, unlicensed, or unlawful in the offering jurisdiction.
• Multi-level marketing, pyramid, or chain-letter schemes.
• High-risk regulated services (e.g., money transmission, escrow, lending) not authorized by us in writing.
• Hate speech, incitement to violence, harassment, or content promoting terrorism or human trafficking.
• Malware, exploits, phishing kits, or any product designed to compromise systems or data.
• Cryptocurrency mining services, token sales, ICOs, or any offering that constitutes a security in the relevant jurisdiction.

Prohibited activities include, without limitation: fraud or attempted fraud; circumventing or manipulating fees, refunds, or chargebacks; using the Service to launder funds or finance terrorism; scraping, reverse engineering, or interfering with the Service; impersonating any person or entity; and any activity that we reasonably determine creates undue legal, financial, or reputational risk for Payplify, our Payment Providers, or other users.

7. Pricing & Fees

Payplify has no monthly subscription fee. Standard transaction fees are graduated by calendar-month sales volume: 8% on the first $5,000, 7% on the next $10,000, and 6% on sales above $15,000, plus $0.30 per sale. Card processing is included. An additional 1.5% applies to payments made with cards issued outside the platform’s home country. Only the portion of sales within each band receives that band’s rate. The running total resets to $0 on the 1st of each calendar month at 00:00 UTC. Each sale’s fee is calculated when it happens; crossing a threshold does not reprice earlier sales or create a month-end fee refund. Contact our team about custom pricing above $15,000 in monthly sales. Agreed custom rates apply to eligible transactions; the fixed per-sale fee still applies.

Additional fees may apply for chargebacks, disputes, currency conversion, payout method selection, or optional add-on features. All applicable fees are disclosed before you incur them.

Card processing, including card interchange and network fees, is included in the transaction rates above and is not added separately. Non-card payment methods, including digital asset transactions, may incur network or other payment-method fees, disclosed in your transaction details.

We reserve the right to modify fees with at least thirty (30) days' prior notice. Continued use of the Service after the effective date of a fee change constitutes acceptance of the new fees.

8. Payouts, Holds & Reserves

Funds collected from Buyers are settled to your designated payout account in accordance with the schedule shown in your dashboard. Standard card-based payouts typically settle within 2–3 business days following capture, subject to risk review and the policies of the underlying Payment Providers.

We and our Payment Providers may delay, hold, reverse, or require a rolling reserve on a payout if we reasonably determine that (a) your account presents elevated risk of chargebacks, fraud, or refunds; (b) you have violated these Terms; (c) regulatory, legal, card-network, or Payment Provider obligations require us to do so; or (d) we receive a credible third-party complaint regarding your Products. Holds may remain in place for up to one hundred eighty (180) days, or longer if required by law, card-network rules, or risk controls.

You authorize us to debit, set off, or recover from any funds owed to you any amounts you owe to Payplify, including but not limited to fees, chargebacks, refunds, reversed transactions, fines, penalties, or losses caused by your breach of these Terms. If your available balance is insufficient to cover amounts you owe, you agree to pay the deficit on demand and authorize us to charge any payment method on file.

You agree to cooperate with all applicable card-network and payment-industry monitoring programs, including (without limitation) Visa Dispute Monitoring Program (VDMP), Mastercard Excessive Chargeback Program (VAMP/ECP), and American Express dispute-management programs. Exceeding card-network thresholds may result in higher fees, reserves, fines, suspension, or termination.

9. Record Retention & Audit Cooperation

You agree to maintain complete and accurate records for all transactions processed through the Service for a minimum of twenty-four (24) months from the transaction date, or longer if required by applicable law or card-network rules. Records must include, at minimum: (a) proof of fulfillment, delivery, or access; (b) Buyer communications and support interactions; (c) the terms, policies, and disclosures shown to and accepted by the Buyer at checkout; (d) usage, access, or delivery logs for digital offerings; and (e) any additional transaction-level data we reasonably request.

You will provide such records to Payplify or our Payment Providers within three (3) business days of request, including for chargeback responses, compliance reviews, fraud investigations, and regulatory inquiries. Failure to do so may result in withheld payouts, reserves, suspension, termination, or liability for the underlying chargebacks, fines, or losses.

10. Taxes

You are solely responsible for determining, collecting, remitting, and reporting all taxes (including income, sales, VAT, GST, digital services, and withholding taxes) arising from your use of the Service and your sales to Buyers.

Where we are required by law to collect tax information, withhold tax, or report transactions to a taxing authority, you agree to provide accurate documentation promptly. We may withhold or remit amounts as required by law, and we may suspend payouts pending receipt of required documentation.

11. Refunds, Disputes & Chargebacks

Creators set and publish their own refund policy on each Product. You are responsible for honoring the policy you publish and for resolving Buyer complaints in good faith.

Under the current fee schedule, transaction fees are not returned when a sale is refunded. Refunds do not reduce the monthly sales volume used to determine graduated rates. Historical transactions remain subject to the fee schedule applied at the time of the sale.

If a Buyer initiates a chargeback or payment dispute, you authorize Payplify and our Payment Providers to debit the disputed amount and any applicable dispute fee from your balance pending resolution. You agree to cooperate and provide evidence promptly. We do not guarantee any dispute outcome.

Excessive refunds, disputes, or chargebacks (as determined by us or the underlying card networks) may result in higher fees, reserves, mandatory remediation programs, suspension, or termination.

12. Digital Asset (Crypto) Transactions

Where you enable crypto payment options, transactions are processed by one or more third-party digital asset Payment Providers and are subject to additional terms and risks.

You acknowledge that digital asset transactions are generally irreversible, that digital asset prices are volatile, and that on-chain transactions may incur network fees that are non-refundable. Settled amounts in fiat currency may differ from the displayed Buyer price due to conversion timing and slippage.

We do not custody digital assets on your behalf except to the extent expressly disclosed. You are responsible for the accuracy of any wallet addresses you provide.

Crypto payment availability may be limited by jurisdiction and may change at our discretion or as required by law.

13. Intellectual Property

As between you and Payplify, you retain all ownership of the content, files, branding, and Products you upload or sell through the Service ("Creator Content"). You grant Payplify a worldwide, non-exclusive, royalty-free license to host, store, reproduce, transmit, display, and create technical adaptations of Creator Content solely to operate, provide, secure, and promote the Service.

You grant Buyers the licenses described in your Product listing or applicable license terms. You are responsible for clearly disclosing the license terms applicable to each Product.

The Service, including its software, design, trademarks, and underlying technology, is owned by Payplify and its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms. No rights are granted to use the Payplify name, logo, or trademarks except with our prior written consent.

We respond to valid notices of alleged copyright infringement. Send notices to legal@payplify.com.

14. Privacy & Data

Our collection and use of personal data is described in our Privacy Policy, which is incorporated by reference into these Terms.

When you act as a Creator, you may receive personal data from Buyers (such as name, email, billing address, and order history) to fulfill orders. You act as an independent controller of that data and agree to (a) provide a privacy notice to your Buyers; (b) use the data only for purposes consistent with the sale; (c) implement appropriate security measures; and (d) comply with all applicable data protection laws, including the GDPR, UK GDPR, CCPA/CPRA, and similar laws.

Payment card data is handled by PCI-DSS-compliant Payment Providers and is not stored by Payplify.

15. Suspension & Termination

You may close your account at any time from your dashboard. Closure does not relieve you of obligations accrued before closure (including fees, refunds, chargebacks, indemnification, and record-retention obligations).

We may suspend or terminate your access to all or part of the Service, with or without notice, if we reasonably believe that (a) you have breached these Terms; (b) your use creates risk of loss to Payplify, Buyers, Payment Providers, or third parties; (c) we are required to do so by law or by a Payment Provider; or (d) your account has been inactive for an extended period.

Upon termination, all licenses granted to you cease, outstanding fees become immediately due, and we may retain funds for the period required to cover chargebacks, refunds, taxes, and other potential liabilities. Provisions that by their nature should survive termination (including fees owed, indemnification, disclaimers, limitations of liability, intellectual property, and dispute resolution) survive.

16. Buyer Purchases & Order Acceptance

This Part II applies to Buyers who purchase Products through the Service. By placing an order you represent that you are at least 18 years old (or the age of majority in your jurisdiction), that the payment method you provide is yours, and that the information you provide is accurate.

Each purchase contract is between you and the Creator. Payplify is not the merchant of record and is not a party to that contract, except where we expressly state otherwise in writing.

Orders are subject to acceptance by the Creator and to risk and fraud screening by Payplify and our Payment Providers. We or the Creator may cancel or decline an order for compliance, risk, pricing-error, or operational reasons.

17. Prices, Taxes & Receipts

Prices are displayed in the currency shown at checkout. Currency conversion, when applicable, is performed by the Payment Provider at the rate disclosed at checkout.

The Creator (and not Payplify) is responsible for calculating, collecting, and remitting any applicable sales tax, VAT, GST, or similar indirect taxes on Buyer transactions, except where Payplify is required by law to collect and remit those amounts on the Creator's behalf, in which case the applicable amount will be shown at checkout.

Receipts and invoices are issued by, or on behalf of, the Creator. Your card or bank statement may display a descriptor identifying the Creator or the Creator's brand. Buyers are responsible for any import duties, customs fees, or local taxes not collected at checkout.

18. Subscriptions & Auto-Renewal

Some Products are offered on a recurring or subscription basis ("Subscriptions"). By enrolling in a Subscription, you authorize the Creator (through Payplify and our Payment Providers) to charge your designated payment method automatically at the disclosed frequency and price until you cancel.

Before purchase, the renewal frequency, price, billing date, and cancellation method will be clearly displayed, and you must affirmatively consent. After purchase, you will receive an acknowledgment that includes the renewal terms and an accessible method to manage or cancel.

You may cancel a Subscription from your account or by contacting the Creator at the contact information displayed on the Product page. Cancellations take effect at the end of the current billing period unless otherwise required by law. Amounts paid for the current billing period are non-refundable except where required by law or the Creator's published refund policy.

19. Buyer Refunds & Returns

Refunds are governed by the Creator's published refund policy, which is shown on the Product page before purchase. You should review that policy carefully before completing your order.

Where required by applicable consumer-protection law (for example, statutory withdrawal rights in the EU), those rights apply in addition to the Creator's refund policy and cannot be waived.

Refund requests should be submitted to the Creator using the contact information on the Product page. If you are unable to reach the Creator, you may contact support@payplify.com and we will use reasonable efforts to facilitate communication; however, refund decisions remain with the Creator (or as required by law).

20. Buyer Chargebacks

Before initiating a chargeback with your card issuer or bank, you agree to contact the Creator and, if unresolved, support@payplify.com to attempt resolution. We and the Creator may dispute or re-present any chargeback through our Payment Providers and may disclose relevant transaction data to your issuer.

Submitting fraudulent or unwarranted chargebacks may result in account restriction and recovery of associated fees, damages, or losses.

21. Communications & Electronic Notices

You consent to receive communications from Payplify electronically, including by email, in-app notification, push notification, and (where you opt in) SMS. These communications may include service messages (such as account, security, transaction, payout, and policy notices) and, where you opt in, marketing messages.

Service messages are required to operate the Service and cannot be opted out of while your account is active. Marketing messages may be opted out of at any time using the unsubscribe link in the message or your account preferences. Standard message and data rates may apply to SMS.

You are responsible for keeping your contact information current. Notices we send to the email address associated with your account are deemed received when sent.

22. Third-Party Integrations

The Service may interoperate with third-party platforms, APIs, or services ("Third-Party Services") that you choose to connect. Third-Party Services are not controlled by Payplify, are provided subject to their own terms, and we do not warrant their availability, security, or compliance.

You are responsible for reviewing and complying with the terms of any Third-Party Service you use. We are not liable for any acts, omissions, downtime, data loss, or charges of any Third-Party Service.

23. Confidentiality & Beta Features

Either party may receive non-public business, technical, or financial information of the other ("Confidential Information"). The receiving party will use Confidential Information only as needed to perform under these Terms and protect it with at least the same care it uses for its own confidential information of like importance (and no less than reasonable care).

We may make pre-release, alpha, beta, preview, or experimental features ("Beta Features") available. Beta Features are provided AS IS without any warranty and may be modified, suspended, or discontinued at any time. Information about Beta Features is Payplify Confidential Information until publicly released.

You agree not to solicit for employment or engagement, directly or indirectly, any employee or contractor of Payplify with whom you came into contact through the Service during the term of these Terms and for twelve (12) months afterward, except through a general public job posting not targeted at Payplify personnel.

24. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

PAYPLIFY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

PAYPLIFY DOES NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCTS OR CONTENT OFFERED BY CREATORS THROUGH THE SERVICE.

25. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PAYPLIFY AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR YOUR PAYMENT OBLIGATIONS, INDEMNIFICATION OBLIGATIONS, AND VIOLATIONS OF OUR INTELLECTUAL PROPERTY RIGHTS, EACH PARTY'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID OR PAYABLE BY YOU TO PAYPLIFY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

26. Indemnification

You agree to defend, indemnify, and hold harmless Payplify and its affiliates, officers, employees, agents, and Payment Providers from and against any claims, liabilities, damages, losses, fines, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your Products or Creator Content; (b) your breach of these Terms or any applicable law; (c) your violation of any third-party right, including intellectual property, publicity, or privacy rights; (d) any dispute between you and a Buyer; or (e) chargebacks, refunds, network fines, or assessments associated with your account.

27. Force Majeure

Neither party will be liable for any delay or failure to perform (other than payment obligations) caused by circumstances beyond its reasonable control, including acts of God, war, terrorism, civil unrest, government action, labor disputes, internet or telecommunications failures, blockchain congestion, Payment Provider outages, pandemics, or natural disasters.

28. Governing Law & Dispute Resolution

These Terms are governed by the laws of the jurisdiction in which Payplify is incorporated, without regard to its conflict-of-laws principles. Subject to the arbitration provisions below and applicable mandatory consumer laws, the competent courts of that jurisdiction have exclusive venue for any judicial proceeding not subject to arbitration.

Mandatory binding arbitration. Except as expressly stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding, individual arbitration administered under the rules of a reputable internationally recognized arbitration institution selected by Payplify (such as JAMS, the AAA, or the ICC), before a single arbitrator. The arbitration will be conducted in English, in the jurisdiction in which Payplify is incorporated, unless the parties agree otherwise.

Carve-outs. Either party may (a) seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual-property, confidential, or proprietary rights; or (b) bring a claim that qualifies for small-claims-court jurisdiction in its individual capacity.

Class-action waiver. YOU AND PAYPLIFY EACH WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY-GENERAL ACTION. Disputes must be brought on an individual basis only.

Opt-out. You may opt out of arbitration by sending a written notice with your legal name, account email, and a clear statement of intent to opt out to legal@payplify.com within thirty (30) days after first accepting these Terms. Opt-out notices received after that period are invalid. Opting out does not affect any other provision of these Terms.

Time to bring claims. To the maximum extent permitted by law, any claim arising out of or related to the Service or these Terms must be filed within one (1) year after the claim arises; otherwise it is permanently barred. Nothing in this section limits any non-waivable rights you may have as a consumer under the mandatory laws of your country of residence.

29. Changes to the Terms

We may update these Terms from time to time. Material changes will be notified at least thirty (30) days in advance by email or in-app notice, unless a shorter notice period is required by law, regulation, or a Payment Provider. We may also require you to affirmatively accept the updated Terms as a condition of continued use of the Service. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

30. Miscellaneous

These Terms, together with the Privacy Policy and any policies incorporated by reference, constitute the entire agreement between you and Payplify with respect to the Service and supersede any prior agreements.

If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect. Our failure to enforce a provision is not a waiver of our right to do so later.

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

Provisions that by their nature should survive termination (including Sections on fees owed, record retention, intellectual property, confidentiality, disclaimers, limitations of liability, indemnification, and dispute resolution) will survive any termination or expiration of these Terms.

Notices to Payplify must be sent to legal@payplify.com. Notices to you may be sent to the email associated with your account or posted in-app.

31. Contact

Questions about these Terms? Contact us at legal@payplify.com for legal matters or support@payplify.com for general support.