Terms & conditions

1 About these terms

These terms govern access to and use of the public website at https://www.pay.tech (the “Website”). The Website is operated by paytech ltd, a Cyprus company with registration number HE 440168 (“paytech”, “we”, “us”). Registered office: Archiepiskopou Makariou III, 84, OFFICE 1, 6017, Larnaca, Cyprus. Contact: [email protected].

By using the Website after being given reasonable notice of these terms, you agree to comply with them. If you do not agree, do not use the Website. Our products are intended for business customers. Anyone submitting a request on behalf of a business must be authorised to do so.

2 Client agreements take priority

Software licences, paid services, trials, accounts, support, fees, refunds and service levels are governed by the applicable agreement with paytech, including any incorporated DPA or service amendment (the “Client Agreement”). These Website terms do not amend or override a Client Agreement or grant access to paid services. Submitting an enquiry, viewing a demonstration or visiting the Website does not itself form a paid services contract or authorise a charge. Any payment authority must be separately agreed.

3 Software and service information

We provide white-label software, payment gateway and payment orchestration services, together with related modules, integrations and technical support. These may include network tokenisation (NetworkToken) and cardholder authentication (3DS2), where agreed with the client.

Our role is limited to providing software and technical services. We do not act as an acquirer or payment institution, execute or settle payments as a payment service provider, or receive, hold or control customer funds. Payment processing and settlement are performed by the relevant PSPs, acquirers and other payment participants under their own arrangements.

The scope, fees and conditions of our software and services are governed by the applicable Software License Agreement, Payment Gateway Software Services Agreement or other agreement with the client, including its applicable orders and amendments. Availability of particular functionality depends on the agreed configuration, any required onboarding and support from the relevant third-party providers and payment participants.

Website descriptions do not guarantee successful token issuance, authentication or payment authorisation, fraud prevention, chargeback reduction, liability shift or regulatory compliance. Any contractual commitments are governed by the Client Agreement.

4 Intellectual property and permitted use

The Website and its content belong to paytech or the relevant licensors and rights holders. Subject to these terms, you may view the Website and make reasonable copies of public materials for internal business evaluation, keeping ownership notices intact. Other reproduction, modification, redistribution or commercial exploitation requires the relevant rights holder’s permission, except where permitted by law. No rights in our software, trademarks or third-party trademarks are granted beyond this limited permission. Integration names and logos do not, by themselves, imply endorsement or a direct contractual relationship.

5 Acceptable use

You must not use the Website unlawfully, impersonate another person, submit information you are not entitled to disclose, introduce malware, interfere with its operation, attempt unauthorised access, bypass security controls, or collect data in a way that infringes privacy or intellectual property rights. Automated access must not bypass restrictions or impose an unreasonable load. Do not submit card numbers, authentication secrets or other sensitive payment data through public contact forms. We may restrict access where reasonably necessary for security, maintenance, legal compliance or a breach of these terms. Restrictions affecting contracted services are governed by the Client Agreement.

6 Privacy and cookies

Our Privacy Policy explains how we process personal data as a controller. Our Cookies Policy explains cookies and similar technologies. Those notices do not constitute consent to optional processing; consent is requested separately where required. Processing on behalf of business clients is governed by the applicable DPA and documented instructions.

7 External websites

The Website may link to third-party websites or services. Those websites and services are governed by their own terms and privacy information. We do not control their content or operation. Links are provided for convenience and do not constitute an endorsement.

8 Website availability and information

We take reasonable care with Website information but may correct, update or remove it. To the extent permitted by law, the Website and its general information are provided on an “as is” and “as available” basis, without a guarantee of continuous availability, completeness, accuracy or fitness for a particular purpose. Website content is not legal, regulatory or financial advice. These qualifications do not reduce an express commitment in a Client Agreement or any right that cannot lawfully be excluded.

9 Liability for Website use

To the extent permitted by law, paytech is not liable for indirect or consequential loss, loss of profit, business opportunity, goodwill or anticipated savings arising from use of, or inability to use, the public Website. paytech’s total aggregate liability to a user arising from the public Website or these terms is limited to EUR 1,000. This limit does not govern liability under a Client Agreement. Nothing excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, breach of mandatory data protection rights, or any other liability that cannot lawfully be excluded or limited.

10 Changes to these terms

We may revise these terms by posting an updated version and date on the Website. Material changes will be brought to users’ attention by a reasonably prominent notice before they take effect, unless an immediate change is necessary for legal or security reasons. Changes apply prospectively to Website use and do not alter accrued rights or Client Agreements. Any change to a Client Agreement or DPA must follow its own amendment procedure.

11 Governing law

These terms and related non-contractual obligations are governed by Cyprus law. The competent courts of Cyprus have exclusive jurisdiction, subject to any mandatory law giving a person additional rights or access to another court. These terms do not remove any mandatory consumer rights that apply to a Website user.

12 General

If a provision is unenforceable, the remaining provisions continue to apply. A failure or delay to enforce a right is not a waiver.