Terms of Service

This document is provided for information about our services. Before going live, have your own counsel review the executed service agreement, which prevails over this summary in case of conflict.

1. About these terms

These terms describe how ApeX Payment and its locally licensed affiliates ("ApeX", "we") provide merchant collection (acceptance of payments from your customers), payout and stablecoin settlement services (the "Services"). When you open an account, the services agreement, the applicable fee schedule and these terms form the contract between you and the contracting ApeX entity identified in your onboarding documents.

2. Who provides the Services

Services are provided by the ApeX entity licensed in the relevant jurisdiction. The contracting entity, its regulator and its registry identifier are stated in your service agreement and disclosed during onboarding. Availability of specific payment methods, currencies and settlement options varies by jurisdiction.

3. Your account

You must provide accurate, current information during onboarding and keep it up to date. You are responsible for the activity of every person you authorise to use the platform, for keeping credentials and API keys secure, and for configuring maker–checker approvals appropriate to your organisation.

4. Compliance

We and our partners apply know-your-customer, anti-money-laundering and sanctions screening to you, your counterparties and your transactions, as required by the regulators that supervise us. You must not use the Services for unlawful activity, prohibited businesses listed in your service agreement, or transactions that circumvent sanctions. We may request information, delay or refuse a transaction, or suspend an account where required by law, a regulator or our risk policies.

5. Collections

When a customer pays you, funds are collected through the local payment methods enabled on your account. Settlement timing and cut-offs are described in your fee schedule. Refunds and chargebacks are processed per scheme rules; refund handling fees, where applicable, are stated in your fee schedule.

6. Payouts

You may instruct payouts to bank accounts and wallets through the dashboard, API or bulk file upload. Instructions executed with your credentials, or approved through your configured maker–checker workflow, are deemed authorised by you. It is your responsibility to ensure beneficiary details are correct; we are not liable for funds sent to an account you designated in error.

7. Stablecoin services

Where enabled, you may withdraw settlement balances in USDC or USDT to addresses you have whitelisted. Only send to addresses on networks we support. Blockchain transactions are irreversible once broadcast; a transfer to a correct whitelisted address on a supported network cannot be recalled. Network fees are passed through at cost.

8. Fees, FX and taxes

Fees are set out in your fee schedule. Where we convert currency, we quote a rate before you confirm, and the mid-market reference and our spread are shown at quote. You are responsible for taxes on the Services except our income taxes.

9. Service levels and availability

We target high availability across the platform and publish incident status to affected merchants. Scheduled maintenance is communicated in advance where practicable. Specific uptime commitments, if any, are set out in your service agreement.

10. Confidentiality and data

Each party protects the other's confidential information with at least the care it applies to its own. Personal data is handled as described in our Privacy Policy. You remain the controller of personal data in your customer relationships; we act as a processor for that data when providing the Services.

11. Liability

Neither party is liable for indirect, special or consequential damages, or for lost profits. Each party's aggregate liability is capped as stated in your service agreement. Nothing in these terms limits liability that cannot be limited by law.

12. Term and termination

Either party may terminate in accordance with the notice period in the service agreement. We may suspend or terminate immediately where required by law or a regulator, or where you materially breach these terms. On termination, settlement balances are returned after deduction of amounts owed and completion of outstanding compliance checks.

13. Changes

We may change these terms to reflect new features, legal or regulatory requirements. Material changes are notified in advance through the dashboard or by email, and continued use after the effective date constitutes acceptance.

14. Governing law

The governing law and venue for disputes are those of the contracting ApeX entity stated in your service agreement, unless the agreement specifies otherwise.

15. Contact

Questions about these terms: sales@apexpayment.top.