Terms & Conditions
Last updated: March 13 , 2023
Pay by Bank transactions are provided by Firepay Merchant Services, a simplified Stock Company, registered at RCS Paris, under number 901543991, with registered address at 25, Rue de Ponthieu, 75008 Paris. VAT number FR94901543991.
Pay by Crypto services are provided by Qori Merchant Services SAS, a simplified Stock Company, registered in RCS Paris under number 912 740 271 RCS Paris, with registered address at 25, Rue de Ponthieu – 75008 Paris – France and VAT number FR65912740271.
We are working with partners to deliver our leading solutions. Their T&Cs also apply to the transactions you are performing. Please click below to access these T&Cs:
Yapily Payment Initiation Service Provider
Coingate Crypto Exchange
Bridge Payment Initiation Service Provider
Terms & Conditions
At all times when you are using our Services, the contract for use of our Services is between you and us, whether you are a Direct User or a Referred User.
Please read this agreement carefully before you start to use our Services. By using our Services, you indicate that you accept this agreement and that you agree to abide by its terms. If you are using our Services on behalf of your organisation, by using our Services you are also indicating that you accept this agreement and agree to abide by its terms on behalf of your organisation (and references to “you” will be deemed to include your organisation).
To use our Services you must be at least 18 years old.
All information, content and material displayed through our Services are provided for information only. It is not financial or professional advice. You should not rely on information, content or materials through our Services as the sole basis for making a financial decision. You should use your own judgement and seek professional advice if appropriate. Accordingly, you agree that we are not responsible or liable to you for:
You acknowledge that alerts may be delayed or prevented by a variety of factors and we cannot guarantee that they will be delivered on time or based on accurate information.
We are responsible for retrieving and transmitting your Transaction Data safely and securely but not for the content of your Transaction Data itself, which is the responsibility of your payment service provider. If you have any questions in relation to this, you should speak to your payment service provider.
Access to our Services may be suspended temporarily and without notice in the case of system failure, emergency maintenance emergency upgrades or emergency repairs.
The information you provide when signing up to use our Services must be true, accurate, current and complete. You are responsible for maintaining your Registration Data to ensure that it remains accurate and up to date.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures by us, you must treat such information as confidential, and you must not disclose it to any third party.
You are responsible for making all arrangements necessary for you to have access to our Services. You are also responsible for ensuring that all persons who access our Services through your Internet connection are aware of this agreement, and that they comply with its terms.
We aim to update our Services regularly, and may change the content at any time. If the need arises, we may suspend access to our Services, or withdraw them indefinitely. Any of the material provided via our Services may be out of date at any given time, and we are under no obligation to update such material.
Commentary and other materials posted on our Services are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any person using our Services, or by anyone who may be informed of any of its contents.
Your licence to use the Software is restricted to use of the object code of the Software, and it is a condition of such licence that, except to the extent expressly permitted under applicable law, you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. Additionally, you understand that you may have to agree to additional terms and conditions before you use such Software or any Content proprietary to a third party.
Without prejudice to rest of this clause, you agree:
You may print off one copy, and may download extracts, of any Content from our Services for your personal reference and (if you are a business user) you may draw the attention of others within your organisation to Content posted via our Services.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material provided via our Services must always be acknowledged.
You retain (and we claim no ownership of) all intellectual property rights in and to any information, data, commentary or other materials (“Contributions”) which you upload to our Services and any Transaction Data.
However, by using our Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual, sublicensable and transferable licence to use, copy, store, transmit, reproduce, process, modify, publish and prepare derivative works of your Contributions and Transaction Data for the purposes of providing you (and your organisation, if applicable) with our Services and for our product development, research and testing purposes.
You also agree and understand that your Contributions (and our Content based on your Contributions) will be visible by any third party with whom you have shared such information.
You acknowledge that, when using our Services, you may receive or have access to material which is expressly marked (or provided with a similar designation) to be considered confidential or could reasonably be expected to be regarded as confidential. You will keep such information strictly confidential for an indefinite period and not disclose such information unless:
Whenever you make use of a feature that allows you to upload material to our Services, or to make contact with other users of our Services, you must comply with the content standards set out below. You warrant that any such contribution does comply with those standards, and you agree to fully reimburse and compensate us on demand for any breach of that warranty in accordance with clause 14 below.
Additional terms and conditions may apply to some of our specific Services. Where this is the case, you will always be given the opportunity to review and accept the terms before using the Service in question.
These content standards apply to any and all Contributions and to any interactive services associated with it.
You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any Contribution as well as to its whole.
Contributions must not:
We will not be responsible, or liable to any third party, for the content or accuracy of your Contributions, and we have the right to remove any Contribution you make on our Services if, in our opinion, such Contribution does not comply with the content standards set out in this clause.
If you wish to make a complaint in relation to any Contributions posted on our Services, or if you believe that any Contribution posted on our Services infringes an Intellectual Property Right that you own or have rights to, please contact us immediately at firstname.lastname@example.org.
Whilst we take every reasonable precaution and care in relation to our app and our Services, the material displayed on our app and our Services are provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we expressly exclude all conditions, warranties and other terms .
We do not limit our liability for:
Subject to the above:
If you are a client :
If you are a business user:
You agree to fully reimburse and compensate us on demand and hold us and our subsidiaries and affiliates, and our and their officers, directors, agents, co-branders or other partners, and employees, harmless from any losses, damages, costs, expenses (including reasonable legal fees), sums agreed to in settlement and other liabilities, arising out of any claim, demand, allegation or proceeding brought by any third party due to or arising out of:
In order to ensure that we are able to provide high-quality services that are responsive to our users’ needs, you agree that our employees may have access to your account, your Contributions and your records as reasonably needed to investigate complaints.
You must not:
We may report any such Misuse to the relevant law enforcement authorities and, where we do so, we will cooperate with those authorities and may disclose your identity to them. In the event of any such Misuse, we reserve the right to suspend or terminate your use of our Services with immediate effect.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website or app that is not owned by you.
Our app must not be framed on any other website or app, nor may you create a link to any part of our app other than the home page. We reserve the right to withdraw linking permission without notice. The website or app from which you are linking must comply in all respects with the content standards set out below.
If you wish to make any use of material on our Services other than your Contributions or the Transaction Data, please address your request to email@example.com.
17.Links and third parties
Where our Services contains links to other apps, websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those apps, websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
You may use our Services only for lawful purposes. You may not use our Services:
You also agree:
In countries where we are not permitted under applicable law to make the Services available to you, we may disable your use of some or all of the Services in those countries.
We may from time to time provide interactive services on our app, including, without limitation, to allow users to share comments and company metrics with each other (“interactive services”).
Where we do provide any interactive service, we will provide clear information to you about the kind of service offered.
Please note that we do not monitor or moderate interactive services we provide on our Services, and, except as required by applicable law, we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
The duration of this agreement will remain in effect until terminated under this clause 22. Any notice of termination of this agreement by either party is subject to the notice periods in this clause 22.
Termination for convenience: You may terminate this agreement for any reason by providing us or if you are a Referred User, the Distributor on your behalf providing at least one months’ advance notice. We may terminate this agreement for any reason by providing you at least two months’ advance notice.
Termination / suspension for cause: If you breach these terms we may:
We exclude liability for actions taken in response to breaches of this agreement. The responses described above are not limited, and we may take any other action we reasonably deem appropriate.
To the extent we are required to make communications under the PSD2 we shall either:
In the event of suspected fraud, we shall contact you using the contact telephone number and/or email address provided by you during the registration process.
This agreement and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of France.
Each Referred User acknowledges and agrees that:
Where we provide the account information services, the Referred User acknowledges and agrees that the Distributor shall be responsible for providing a copy of the consolidated information to the Referred User (providing that, if the third-party provider fails to do so, the Referred User may request the same from us).
If you are a Referred User and you are unhappy with any product you have obtained from a Distributor or have any complaint regarding any Distributor Service, you should address your complaint directly to that Distributor. If you require their contact details, please tell us using the contact details set out at clause 1 and we will be happy to assist.
Bosnia and Herzegovina
Luhansk People’s Republic
Central African Republic
Trinidad and Tobago
US Virgin Islands
Democratic Republic of Congo
PROHIBITED AND RESTRICTED INDUSTRIES
This list of business activities, business types or areas below are considered by Qori Merchant Services for its risk classification.
Business activities listed here are non-exclusive and provided only as a part of criteria for risk classification of a merchant and sharing of the best practices.
The risk classification will be determined under an assessment of many other relevant factors such as geographical location, countries of operations, corporate structure, legal form etc.
Qori Merchant Services will assess the risk of each Merchant in its sole discretion.
Below displayed risk matrix showcases industries, activities, types of Merchants with whom Qori Merchant Services currently will not establish business relationship.
The examples listed as “Prohibited” are disallowed while examples listed as “Restricted” would be considered by Qori Merchant Services.
Prohibited businesses, activities and types of Merchants list:
Restricted businesses and activities that shall be considered High-Risk:
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