Terms & Conditions

Last updated 22 August 2026

Agreement to our legal terms

We are Paytia Ltd ('we', 'us', or 'our'), a company registered in the United Kingdom at 37th Floor, 1 Canada Square, London E14 5AA. Our VAT number is GB248516489. We operate the website www.paytia.com (the 'Site'), the Paytia mobile applications (the 'App'), and any other related products and services that refer or link to these legal terms (collectively, the 'Services'). The Paytia mobile applications are an add-on service allowing customised Apple iOS and Google Android native applications to be created and controlled using the central Paytia SaaS service. You can contact us by phone on +44 20 7183 3536, by email at curtis.nash@paytia.com, or by post to the address above.

These terms are a legally binding agreement between you — personally or on behalf of an entity — and Paytia Ltd concerning your access to and use of the Services. By accessing the Services you confirm you've read, understood, and agreed to be bound by all of these terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms or documents posted on the Services from time to time are incorporated by reference. We may change these terms at our sole discretion; we'll alert you by updating the 'Last updated' date, and you waive any right to specific notice of each change. Continued use after a revision means you accept it — it's your responsibility to review these terms periodically. The Services are intended for users who are at least 18 years old. We recommend you print a copy of these terms for your records.

1. Our services

The information provided on the Services isn't intended for distribution or use where that would be contrary to law or regulation, or would subject us to a registration requirement. If you access the Services from other locations, you do so on your own initiative and are responsible for compliance with local laws. Paytia is a PCI DSS Level 1 service provider, GDPR-aligned, and Cyber Essentials Plus certified.

2. Intellectual property rights

We own or license all intellectual property rights in our Services — source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (the 'Content'), plus our trademarks, service marks, and logos (the 'Marks'). They're protected by copyright and trademark laws in the United States and around the world, and provided 'AS IS' for your personal, non-commercial use or internal business purpose only.

Subject to your compliance with these terms, we grant you a non-exclusive, non-transferable, revocable licence to access the Services and to download or print a copy of any Content you've properly gained access to, solely for personal, non-commercial use or internal business purposes. No other copying, reproduction, republication, transmission, sale, or commercial exploitation of any kind is permitted without our express prior written permission — requests to curtis.nash@paytia.com. If we grant permission, you must identify us as owners or licensors and keep proprietary notices visible. We reserve all rights not expressly granted. Any breach of these intellectual property rights is a material breach and your right to use the Services terminates immediately.

By sending us any question, comment, suggestion, idea, feedback, or other information about the Services ('Submissions'), you assign to us all intellectual property rights in it — we own it and may use and disseminate it for any lawful purpose without acknowledgment or compensation. You confirm your Submissions comply with the Prohibited Activities section, waive moral rights to the extent the law allows, warrant the Submission is original to you or that you have the rights to submit it, and warrant it isn't confidential. You're solely responsible for your Submissions and agree to reimburse us for losses caused by breaching this section, a third party's intellectual property rights, or applicable law.

3. User representations

By using the Services you represent and warrant that: (1) all registration information you submit is true, accurate, current, and complete; (2) you'll keep it that way; (3) you have legal capacity and agree to comply with these terms; (4) you're not a minor where you live; (5) you won't access the Services by automated or non-human means; (6) you won't use the Services for any illegal or unauthorised purpose; and (7) your use won't violate any applicable law or regulation. If you provide untrue, inaccurate, or incomplete information, we may suspend or terminate your account and refuse current or future use.

4. User registration

You may be required to register to use the Services. Keep your password confidential — you're responsible for all use of your account. We may remove, reclaim, or change a username we determine is inappropriate, obscene, or otherwise objectionable.

5. Purchases and payment

We accept Visa, Mastercard, American Express, Discover, and PayPal. You agree to provide current, complete, and accurate purchase and account information, and to keep payment details up to date so we can complete transactions and contact you. Sales tax is added where we deem required; prices may change at any time; all payments are in British Pound Sterling. You agree to pay all charges at then-current prices and authorise us to charge your chosen payment provider on placing your order. We may correct pricing errors even after payment is requested or received, refuse any order, limit quantities per person or household, and limit or prohibit orders that appear to be placed by dealers, resellers, or distributors.

6. Subscriptions

Subscriptions continue and renew automatically unless cancelled, and you consent to recurring charges to your payment method without prior approval of each charge until you cancel. Billing cycle length depends on the plan you chose. New users get a 14-day free trial; depending on the sales package, the service either auto-upgrades or requires manual authorisation when the trial ends. You can cancel at any time from your account — cancellation takes effect at the end of the current paid term. Questions or problems: curtis.nash@paytia.com. We may change subscription fees and will communicate price changes in accordance with applicable law.

7. Software

Software we provide with the Services is governed by its end user licence agreement (EULA) where one accompanies it; otherwise we grant you a non-exclusive, revocable, personal, non-transferable licence to use it solely with our Services under these terms. Software is provided 'AS IS' without warranty of any kind, express or implied — including merchantability, fitness for a particular purpose, and non-infringement. You accept all risk arising from its use, and may not reproduce or redistribute it except as the EULA or these terms allow.

8. Prohibited activities

You may only use the Services for their intended purpose, and not in connection with any commercial endeavour we haven't specifically endorsed or approved. As a user you agree not to:

• systematically retrieve data or content to build a collection, database, or directory without written permission
• trick, defraud, or mislead us or other users, especially to learn sensitive account information such as passwords
• circumvent, disable, or interfere with security-related features, or attempt to bypass measures restricting access
• disparage, tarnish, or otherwise harm us or the Services
• use information from the Services to harass, abuse, or harm another person
• misuse support services or submit false reports of abuse or misconduct
• use the Services inconsistently with applicable laws, engage in unauthorised framing or linking, or delete copyright and proprietary notices
• upload viruses, Trojan horses, spam, or other disruptive material, or any passive or active information-collection mechanism
• engage in automated use of the system — scripts, data mining, robots, scrapers, offline readers, or similar tools
• impersonate another user or use another's username
• interfere with, disrupt, or create an undue burden on the Services or connected networks, or harass or threaten our employees and agents
• copy or adapt the Services' software, or (except as permitted by law) decipher, decompile, disassemble, or reverse engineer it
• use a buying or purchasing agent, collect usernames or email addresses to send unsolicited email, or create accounts by automated means or false pretences
• use the Services to compete with us or for any revenue- generating endeavour, or sell or transfer your profile
• commit fraud or make spam telephone calls

9. User generated contributions

The Services don't offer users the ability to submit or post content. Where we do provide the opportunity to create, submit, or transmit content and materials ('Contributions'), they may be viewable by other users and through third-party websites and are treated per the Privacy Policy. When you make Contributions available, you represent and warrant that they: don't infringe any third party's proprietary rights; are your own or properly licensed with all necessary consents, including written consent from every identifiable person in them; aren't false, misleading, unsolicited advertising, obscene, harassing, threatening, or otherwise objectionable; don't violate any law, regulation, or third-party privacy or publicity right; don't violate laws protecting minors; and don't include offensive comments about race, national origin, gender, sexual preference, or physical handicap. Use in violation of this section may result in termination or suspension of your rights to use the Services.

10. Contribution licence

You agree we may access, store, process, and use any information and personal data you provide, following the Privacy Policy and your choices. By submitting suggestions or other feedback, you agree we can use and share it for any purpose without compensation. We don't assert ownership over your Contributions — you retain full ownership and all associated rights. We're not liable for statements or representations in your Contributions; you're solely responsible for them, and you agree to exonerate us from all responsibility and refrain from legal action against us regarding them.

11. Mobile application licence

If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use it on wireless devices you own or control, strictly per these terms. You must not: decompile, reverse engineer, disassemble, or decrypt the App (except as permitted by law); modify, adapt, or create derivative works; violate applicable laws through your use; remove or obscure proprietary notices; use it for revenue- generating or unintended purposes; make it available over a network allowing simultaneous multi-device use; use it to build a competing product; send automated queries or unsolicited commercial email through it; or use our proprietary information or interfaces in designing other applications, accessories, or devices.

For Apps obtained from the Apple App Store or Google Play (each an 'App Distributor'): the licence is limited to a non-transferable licence on iOS or Android devices per the App Distributor's terms; we, not the App Distributor, are responsible for maintenance and support; if the App fails to conform to a warranty, you may notify the App Distributor, whose sole obligation (to the maximum extent permitted by law) is to refund any purchase price; you represent you're not in a country under US government embargo or designated as terrorist- supporting, and not on any US government prohibited-parties list; you must comply with applicable third-party terms when using the App; and App Distributors are third-party beneficiaries of this licence with the right to enforce it against you.

12. Third-party websites and content

The Services may contain links to third-party websites and third-party content. We don't investigate, monitor, or check them for accuracy, appropriateness, or completeness, and we're not responsible for them — including their content, reliability, privacy practices, or policies. Inclusion or linking doesn't imply our approval or endorsement. If you leave the Services for a third-party website or use third-party content, you do so at your own risk and these terms no longer govern — review the other party's terms and privacy practices. Purchases through third-party websites are exclusively between you and that third party; we take no responsibility for them, don't endorse their products or services, and you hold us blameless from any harm or losses relating to third-party content or contact with third-party websites.

13. Services management

We reserve the right (but have no obligation) to: monitor the Services for violations of these terms; take legal action against violators, including reporting to law enforcement; refuse, restrict, limit, or disable any of your Contributions; remove or disable content that is excessive in size or burdensome to our systems; and otherwise manage the Services to protect our rights and property and keep the Services functioning properly.

14. Privacy policy

We care about data privacy and security — please review our Privacy Policy, which is incorporated into these terms. The Services are hosted in Ireland and the United States. If you access them from a region with different data protection laws, your continued use transfers your data to Ireland and the United States, and you expressly consent to that transfer and processing.

15. Term and termination

These terms remain in effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account, you're prohibited from registering a new account under your name, a fake or borrowed name, or any third party's name. We also reserve the right to pursue civil, criminal, and injunctive redress.

16. Modifications and interruptions

We may change, modify, or remove the contents of the Services at any time, at our sole discretion and without notice, and have no obligation to update information. We won't be liable for any modification, price change, suspension, or discontinuance. We can't guarantee constant availability — hardware, software, or maintenance issues may cause interruptions, delays, or errors, and we may change, suspend, or discontinue the Services at any time without notice. You agree we have no liability for any loss, damage, or inconvenience caused by your inability to use the Services during downtime or discontinuance, and nothing here obliges us to maintain, support, correct, or update them.

17. Governing law

These terms are governed by and interpreted following the laws of the United Kingdom, and the UN Convention on Contracts for the International Sale of Goods is expressly excluded. If you're a consumer habitually resident in the EU, you additionally hold the protections of the mandatory provisions of the law of your country of residence. Both parties submit to the non-exclusive jurisdiction of the courts of England & Wales — you may defend your consumer protection rights in the UK or in the EU country where you reside.

18. Dispute resolution

Both parties agree to first attempt to negotiate any dispute informally for at least thirty days before initiating arbitration, starting on written notice from one party to the other. Any dispute arising from the relationship between the parties is then determined by one arbitrator under the Arbitration and Internal Rules of the European Court of Arbitration (part of the European Centre of Arbitration, seated in Strasbourg) in force when the application is filed — adopting this clause constitutes acceptance. The seat of arbitration is London, England; the language is UK English; the applicable substantive law is the law of England.

Arbitration is limited to the dispute between the parties individually: no arbitration is joined with another proceeding, and there's no right to arbitrate on a class-action or representative basis. Three categories of dispute are excluded from informal negotiation and arbitration: enforcing, protecting, or determining the validity of a party's intellectual property rights; allegations of theft, piracy, invasion of privacy, or unauthorised use; and claims for injunctive relief. If this provision is found illegal or unenforceable for a given dispute, that dispute goes to a court of competent jurisdiction listed above.

19. Corrections

The Services may contain typographical errors, inaccuracies, or omissions — descriptions, pricing, availability, and other information. We reserve the right to correct errors and change or update information at any time, without prior notice.

20. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

21. Limitations of liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO £5,000,000. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

22. Indemnification

You agree to defend, indemnify, and hold us harmless — including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees — from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: your use of the Services; breach of these terms; breach of your representations and warranties; your violation of a third party's rights, including intellectual property rights; or any overt harmful act toward another user you connected with via the Services. We reserve the right, at your expense, to assume the exclusive defence and control of any matter you must indemnify us for, and you agree to cooperate with our defence. We'll use reasonable efforts to notify you of any such claim on becoming aware of it.

23. User data

We maintain certain data you transmit to the Services for managing their performance, plus data relating to your use. Although we perform regular routine backups, you are solely responsible for all data you transmit or that relates to activity you've undertaken using the Services. You agree we have no liability to you for any loss or corruption of such data, and you waive any right of action against us arising from it.

24. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications and agree that agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You waive any rights or requirements under laws in any jurisdiction requiring an original signature, delivery or retention of non-electronic records, or payments or credits by non-electronic means.

25. California users and residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone on (800) 952-5210 or (916) 445-1254.

26. Miscellaneous

These terms and any policies or operating rules we post constitute the entire agreement between you and us. Our failure to enforce any provision isn't a waiver of it. These terms operate to the fullest extent permissible by law. We may assign our rights and obligations at any time, and we're not responsible for loss, damage, delay, or failure to act caused by anything beyond our reasonable control. If any provision is found unlawful, void, or unenforceable, it's severed and the rest stand. No joint venture, partnership, employment, or agency relationship is created between you and us through these terms or your use of the Services. These terms won't be construed against us for having drafted them, and you waive any defences based on their electronic form or the absence of signatures.

27. Security and protection of cardholder data

Paytia Ltd acknowledges and accepts responsibility for the security of cardholder data processed through its platform — including credit and debit card information provided by customers of Paytia's merchant clients — subject to our normal company liabilities.

Paytia Ltd is a PCI DSS Level 1 certified payment service provider. All sensitive cardholder data captured through Paytia's platform tools is handled in accordance with the Payment Card Industry Data Security Standard, with compliance independently assessed and certified annually by Paytia's Qualified Security Assessor (QSA), QRC.

For Mail Order Telephone Order (MOTO) payment flows, card data is excluded from all system logs and tokenised so no raw payment data is retained within Paytia systems; transmission is secured with TLS 1.3 or higher. For e-commerce payments, payment information is captured either directly by Paytia's payment partners within their secure elements or by Paytia using its own customised secure capture elements, with man-in-the-middle attack prevention, real-time attack alerting, and comprehensive audit logging. Paytia commits to maintaining industry-leading security controls for cardholder data, externally validated each year through its PCI DSS Level 1 certification.

28. Donations and non-profit organisations

Where a client uses the Services to collect donations, that client must be a registered non-profit organisation, or must be collecting on behalf of one under a written arrangement we've seen. This applies to every donation channel we support — telephone, payment links, QR codes, hosted checkout and digital wallets alike.

We check this before donation processing is switched on. As part of the onboarding due diligence described in our Anti-Money Laundering Policy, we take the organisation's charity or non-profit registration number and verify it against the relevant public register — the Charity Commission for England and Wales, OSCR in Scotland, the Charity Commission for Northern Ireland, or the equivalent national register where the organisation is based. An organisation that can't evidence its registration doesn't get donation processing enabled.

Registration status is re-checked at annual review, and clients must tell us promptly if their registration is suspended, removed, or changes in any material way. Collecting donations while misrepresenting non-profit status breaches these terms and our Fair Use Policy, and we'll withdraw donation processing where we find it.

29. Contact us

To resolve a complaint regarding the Services or for further information about using them: Paytia Ltd, 37th Floor, 1 Canada Square, London E14 5AA, United Kingdom. Phone: +44 20 7183 3536. Email: curtis.nash@paytia.com.