Terms of Service
Last updated: February 20, 2026
These Terms of Service ("Terms") govern your access to and use of the JoPay website, applications, partner portals, and related services (collectively, the "Services") provided by JoPay ("JoPay", "we", "us").
By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
1. Who we are
JoPay provides software that enables merchants to create payment links and QR codes so customers can pay using supported digital assets (e.g., USDC) to a merchant-designated wallet address. JoPay does not hold customer or merchant funds and does not custody digital assets.
2. 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.
3. Partner-led onboarding and compliance
Some merchants may be onboarded or supported by a JoPay partner ("Partner"). Partners may provide onboarding, training, compliance support, and optional settlement/cash-out guidance. Depending on your usage, location, risk profile, or requested features (e.g., cash-out, higher limits), verification (KYC/KYB) may be required by JoPay, a Partner, or third-party providers.
4. Payments, non-custodial model, and wallet responsibility
When you create a payment link, you designate a receiving wallet address. When a customer pays, funds are transferred directly to that wallet address.
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. JoPay is not responsible for losses caused by incorrect wallet details or wallet security issues.
5. Network fees and transaction timing
Customers may pay network fees required to submit transactions. Transaction timing depends on the relevant blockchain network and wallet behavior. JoPay does not control network performance.
6. Pricing and fees
Pricing may vary by phase, plan, region, partner arrangement, or usage.
Phase 1: merchants pay EUR 0 JoPay fees, unless otherwise agreed in writing. Customers may still pay network fees in their wallet.
Any additional services (including Partner services and third-party cash-out/conversion services) may have separate fees.
For details, contact us via support or partner-specific terms where applicable.
7. 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. JoPay may provide tools or guidance, but JoPay does not guarantee that refunds can be executed or recovered. You are responsible for resolving disputes with your customers.
8. Prohibited activities
You may not use the Services 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 access if we suspect prohibited activity.
9. Service availability and changes
We may modify, suspend, or discontinue parts of the Services at any time. We aim to provide reliable service but do not guarantee uninterrupted availability.
10. Intellectual property
JoPay and its licensors own all rights in the Services, software, and branding. You may not copy, modify, reverse engineer, or create derivative works except as allowed by law.
11. Privacy
Our collection and use of personal data is described in our Privacy Policy at /privacy.
12. Third-party services
The Services may integrate with third-party wallets, networks, providers, or Partner services. JoPay is not responsible for third-party services, their availability, or their terms. Your use of third-party services is governed by their terms.
13. Termination
You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms, pose risk to the platform, or as required by law. Termination does not affect obligations incurred prior to termination.
14. Disclaimers
The Services are provided "as is" and "as available". To the maximum extent permitted by law, JoPay disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. JoPay does not provide financial, legal, or tax advice.
15. Limitation of liability
To the maximum extent permitted by law, JoPay will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, or goodwill. JoPay's total liability for any claim relating to the Services will not exceed the total fees you paid to JoPay in the 12 months preceding the event giving rise to the claim.
16. Indemnification
You agree to indemnify and hold JoPay harmless from claims arising out of your use of the Services, your violation of these Terms, or your violation of laws or third-party rights.
17. 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.
18. Changes to these Terms
We may update these Terms from time to time. We will post updates and revise the "Last updated" date. Continued use after changes means you accept the updated Terms.
19. Contact
Questions about these Terms: