Terms of Service

These Terms of Service ("Terms") are a binding agreement between you or the entity you represent ("you", "Customer") and Voltpay Payments, Inc. ("Voltpay", "we", "us"). They govern your access to and use of our websites, dashboard, APIs, and payment-processing services (collectively, the "Services").

By creating an account, clicking to accept, or using the Services, you agree to these Terms. If you do not agree, you may not use the Services. If you are accepting on behalf of an organization, you represent that you have authority to bind that organization.

You must be at least 18 years old and capable of forming a binding contract. You agree to provide accurate, complete business and identity information and to keep it up to date so we can meet our regulatory and Know-Your-Customer (KYC) obligations.

You are responsible for safeguarding your account credentials and API keys, and for all activity that occurs under your account. Notify us immediately at the address below if you suspect unauthorized access.

Voltpay provides technology that enables you to accept and reconcile electronic payments, manage subscriptions and invoices, screen transactions for fraud, and disburse funds. Card processing is provided through our acquiring partners and the relevant card networks.

We may add, change, or remove features at any time. We will give reasonable notice of material changes that adversely affect your use of the Services.

You agree to pay the fees described on our Pricing page or in your order form. Unless stated otherwise, fees are deducted from the funds we process on your behalf before settlement, and are exclusive of applicable taxes, which are your responsibility.

We may revise fees with at least 30 days' notice. Continued use of the Services after a fee change takes effect constitutes acceptance of the revised fees.

Funds from successful transactions, net of fees, refunds, and reserves, are settled to your designated bank account on a rolling schedule. Standard settlement is two business days; faster options may be available depending on your plan and risk profile.

We may delay a payout, hold a reserve, or set off amounts owed where required to manage risk, comply with law, or cover chargebacks, refunds, fines, or negative balances.

You are solely responsible for the goods and services you sell, your relationship with your customers, the accuracy of your pricing and disclosures, and compliance with all laws applicable to your business, including consumer-protection, tax, and data-protection laws.

You must use the Services only for lawful, permitted purposes and in accordance with our Acceptable Use Policy. A non-exhaustive list of restricted and prohibited businesses is published at voltpay.com/legal/acceptable-use.

You are responsible for refunds, returns, and the resulting chargebacks and network fines. A chargeback fee may apply to each dispute. You authorize us to recover disputed amounts and associated fees from your balance, reserves, or bank account.

We provide tools to submit evidence and contest disputes, but the card networks and issuing banks make the final determination.

The Services, including all software, documentation, and branding, are owned by Voltpay or its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable right to use the Services during the term of these Terms. All rights not expressly granted are reserved.

The Services are provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenues. Voltpay's aggregate liability arising out of or relating to these Terms will not exceed the fees paid by you to us in the three months preceding the event giving rise to the claim.

You will defend, indemnify, and hold harmless Voltpay and its affiliates from claims, losses, and expenses (including reasonable legal fees) arising from your products or services, your breach of these Terms, or your violation of law or the rights of a third party.

These Terms remain in effect while you use the Services. Either party may terminate with notice as described in your plan. We may suspend or terminate access immediately if you breach these Terms, present unacceptable risk, or are required by law or a network rule.

On termination, your right to use the Services ends. Provisions that by their nature should survive — including fees owed, disclaimers, limitations of liability, and indemnities — will survive.

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. The state and federal courts located in San Francisco County, California will have exclusive jurisdiction, except where prohibited by applicable law.

We may update these Terms from time to time. We will post the revised version with an updated effective date and, for material changes, provide additional notice. Your continued use of the Services after changes take effect constitutes acceptance.