Terms of Service

These terms are a draft pending legal review.

Template — requires legal review. These terms cover use of this website only. Commercial terms for payment services are set out in the signed agreement between Paytonika and each merchant, not here.

1. These terms

These terms govern your use of this website, operated by [Legal entity name], registered at [Registered address]. By using the site you accept these terms. If you do not accept them, please do not use the site.

2. The website is informational

Content on this site describes our services in general terms. It is not an offer, a commitment to provide services, or financial, legal, or tax advice. Figures shown in illustrations and dashboard previews are sample data for presentation purposes and do not represent actual or guaranteed performance.

3. Services are subject to agreement and onboarding

Provision of any payment service depends on a signed agreement, successful onboarding, and satisfactory compliance, KYC/AML, and risk checks. Availability of specific payment methods, markets, and features varies by merchant, jurisdiction, and acquiring or banking partner, and may change. We may decline or discontinue service where required by law, by a partner, or by our risk policy.

4. Acceptable use

Do not use the site unlawfully or to infringe the rights of others.
Do not attempt to gain unauthorised access to the site or its underlying systems.
Do not interfere with the site’s operation, including through automated scraping or abuse of forms.

5. Intellectual property

The Paytonika name, logo, and site content are owned by us or our licensors. Third-party payment scheme names and logos shown on this site are the trademarks of their respective owners and are used to indicate supported payment methods; their appearance does not imply endorsement.

6. Third-party links

The site may link to third-party websites. We do not control them and are not responsible for their content or practices.

7. Liability

The site is provided “as is”. To the fullest extent permitted by law, we exclude implied warranties and are not liable for indirect or consequential loss, or for loss of profits, revenue, or data, arising from use of this site. Nothing in these terms limits liability that cannot be limited by law.

8. Changes

We may update the site and these terms at any time. The version published here is the one that applies.

9. Governing law

These terms are governed by the laws of [governing law jurisdiction], and the courts of [jurisdiction] have exclusive jurisdiction over any dispute.

10. Contact

Questions about these terms: hello@paytonika.com.