JoPay Labs Terms of Service
Last updated: April 20, 2026· Disclosure version 2026-04-18-draft
These Terms of Service (“Terms”) govern your access to and use of the JoPay Labs interface — the website, applications, merchant dashboard, partner portal, and related operator services (collectively, the “Interface”) provided by JoPay BV acting in its JoPay Labs (“Labs”, “we”, “us”) capacity. Operated by JoPay BV, registered in the Netherlands.
These Terms apply to the Interface. They do not govern the JoPay Protocol — the immutable smart contracts that record payments on public blockchains. The Protocol has no operator, no party, and no terms; a description lives in the JoPay Protocol v1 spec, and a plain-English explainer lives at /about.
By accessing or using the Interface, you agree to these Terms. If you do not agree, do not use the Interface.
1. Who we are
“JoPay Labs” is the role performed by JoPay BV of operating an interface to the JoPay Protocol. The Interface makes the Protocol usable: merchants create payment links, payers see a pay page, transactions are indexed for dashboards and receipts, and support and onboarding are available.
“JoPay Protocol” is a separate thing. It is a body of open-source smart contract code deployed to public blockchains, together with a versioned specification. Labs did not invent the blockchains the Protocol runs on, does not hold the Protocol’s keys, and cannot alter or reverse transactions the Protocol records.
Labs is the contracting party under these Terms. The Protocol is not a contracting party under these Terms, and cannot be, because it is code with no legal capacity.
2. The Protocol vs the Interface
The distinction between Labs (the Interface) and the Protocol matters because different rules apply to each.
What Labs does:
- hosts a website and apps that let merchants configure payment links and let payers complete payments,
- indexes public blockchain data so you see a readable dashboard, receipts, and history,
- provides support, onboarding, partner relationships, KYC/KYB policy where required, and marketing,
- decides what is shown, how it is shown, and who is welcome to use the Interface.
What Labs does not do:
- control the Protocol’s contracts or the blockchains they run on,
- hold your private keys or sign transactions on your behalf,
- reverse, censor, or alter a transaction the Protocol has recorded,
- guarantee that the Protocol, the underlying blockchains, or any third-party wallet will be available, correct, or safe,
- prevent a user who disagrees with Labs’ Interface policies from reaching the Protocol using another interface or a direct client.
If Labs ceases to operate the Interface, the Protocol continues to exist on-chain. A user can continue to interact with the Protocol using any compatible client. These Terms cover your use of the Interface; they do not govern the Protocol itself.
3. Eligibility and account registration
You must be legally able to enter into these Terms and comply with applicable laws. You agree to provide accurate information and keep your account details up to date. You are responsible for all activity under your account and for maintaining the security of your credentials.
4. Partner-led onboarding and compliance
Some merchants may be onboarded or supported by a Labs partner (“Partner”). Partners may provide onboarding, training, compliance support, and optional settlement/cash-out guidance. Depending on your usage, location, risk profile, or requested Interface features (e.g., cash-out, higher limits), verification (KYC/KYB) may be required by Labs, a Partner, or third-party providers. These verification steps are Interface policy; they do not gate access to the Protocol itself.
5. Payments, non-custodial model, and wallet responsibility
When you create a payment link through the Interface, you designate a receiving wallet address. When a payer completes payment, funds are transferred from the payer’s wallet directly to that wallet address via the Protocol on a public blockchain. Labs does not stand between the two wallets, does not hold funds in transit, and does not custody digital assets at any point.
You are solely responsible for:
- providing a correct wallet address,
- safeguarding your wallet and private keys,
- understanding network selection and transaction finality,
- any loss due to incorrect addresses, compromised wallets, or irreversible transfers.
Blockchain transactions are generally irreversible. Because Labs does not execute those transactions and cannot alter the Protocol, Labs cannot reverse them. Labs is not responsible for losses caused by incorrect wallet details, wallet security issues, or blockchain-level behaviour.
6. Network fees and transaction timing
Payers may pay network fees required to submit transactions. Transaction timing depends on the relevant blockchain network and wallet behaviour. Labs does not control network performance, and the Protocol does not promise confirmation within a specific time.
7. Pricing and fees
Interface pricing may vary by phase, plan, region, Partner arrangement, or usage.
Phase 1: merchants pay EUR 0 Labs fees, unless otherwise agreed in writing. Payers may still pay network fees in their wallet. Separately, the Protocol itself carries a fixed 0.01 USDC (one US cent) fee per claim, paid on-chain from the Postbox balance. This is a Protocol-level mechanism defined in the Protocol spec, not a Labs fee; Labs does not receive this fee unless it is acting as the keeper that submits the claim.
Any additional services (including Partner services and third-party cash-out/conversion services) may have separate fees. The Protocol is free to use directly by anyone with a compatible client; Interface fees apply only to your use of the Labs Interface.
For details, contact us via support or Partner-specific terms where applicable.
8. Refunds and disputes
Refunds are not automatic. If you choose to issue a refund, you are responsible for performing the refund (typically by sending funds from your wallet) and for complying with applicable laws. Labs may provide tools or guidance in the Interface, but Labs does not execute transactions, does not guarantee that refunds can be completed or recovered, and cannot reverse a Protocol-recorded transfer. You are responsible for resolving disputes with your customers.
9. Prohibited activities
You may not use the Interface to:
- violate laws or regulations,
- facilitate fraud, money laundering, or terrorist financing,
- sell or promote illegal goods or services,
- infringe intellectual property rights,
- attempt unauthorized access, interfere with systems, or abuse rate limits,
- transmit malware or harmful code.
We may suspend or terminate your access to the Interface if we suspect prohibited activity. Suspension or termination of Interface access does not, and cannot, remove or reverse any transaction already recorded by the Protocol.
10. Interface availability and changes
Labs may modify, suspend, or discontinue parts of the Interface at any time. We aim to provide reliable service but do not guarantee uninterrupted availability. Interface downtime does not affect the Protocol — the Protocol continues to exist on-chain independently of the Interface. A Postbox is a CREATE2-deterministic smart contract that resolves at the same address on every supported chain; where deployed, it remains directly addressable and usable through other compatible clients. Because the Protocol contracts are MIT-licensed and open source, anyone can build their own client against them without permission from Labs.
11. Intellectual property
Labs and its licensors own all rights in the Interface code, branding, and operator software, except where otherwise noted. You may not copy, modify, reverse engineer, or create derivative works of Interface code except as allowed by law. The JoPay Protocol contracts are a separate body of code released under the MIT licence and published as open source on GitHub; the MIT terms — not these Terms — govern your rights in that code. Anyone may fork the Protocol contracts, redeploy them, or build alternative interfaces against them without permission from Labs.
12. Privacy
Labs’ collection and use of personal data in connection with the Interface is described in our Privacy Policy at /privacy. The Protocol itself does not collect personal data; it records public blockchain transactions, which are public by design of the underlying blockchain and outside Labs’ control.
13. Third-party services
The Interface may integrate with third-party wallets, networks, providers, or Partner services. Labs is not responsible for third-party services, their availability, or their terms. Your use of third-party services is governed by their terms. The blockchains the Protocol runs on are third-party public networks, not operated by Labs.
14. Termination
You may stop using the Interface at any time. Labs may suspend or terminate your Interface access if you violate these Terms, pose risk to the Interface, or as required by law. Termination of Interface access does not affect obligations incurred prior to termination and does not remove or alter any Protocol-recorded transaction.
15. Disclaimers
The Interface is provided “as is” and “as available”. To the maximum extent permitted by law, Labs disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. Labs does not provide financial, legal, or tax advice.
Labs disclaims, and cannot make representations about:
- the availability, correctness, or behaviour of the JoPay Protocol, which is independent of the Interface,
- the availability or behaviour of the underlying blockchains,
- the correctness or availability of any third-party wallet or indexer,
- the outcome of a transaction that has been recorded on-chain, which is irreversible by design.
16. Limitation of liability
To the maximum extent permitted by law, Labs will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, or goodwill. Labs’ total liability for any claim relating to the Interface will not exceed the total fees you paid to Labs in the 12 months preceding the event giving rise to the claim. Labs has no liability for the Protocol itself, for on-chain transactions, or for the underlying blockchains.
17. Indemnification
You agree to indemnify and hold Labs harmless from claims arising out of your use of the Interface, your violation of these Terms, or your violation of laws or third-party rights.
18. Governing law and disputes
These Terms are governed by the laws of the Netherlands. Disputes will be resolved in the courts of Amsterdam, unless mandatory law provides otherwise.
19. Changes to these Terms
We may update these Terms from time to time. We will post updates and revise the “Last updated” date and the disclosure version. Continued use of the Interface after changes means you accept the updated Terms.
20. Contact
Questions about these Terms: