These are the terms of the agreement between you and Paytia Limited (“Paytia,” “we,” “our”) when you use our services from the United States. If you're a UK or EU customer, our GB Terms and Conditions apply instead.
1. Definitions
A few words we'll use throughout. The “Service” is the Paytia platform, software, APIs, and any related products. “Customer” means the entity or person entering into these terms. “Customer Data” is information the Customer submits to the Service. An “Order” is an order form, SOW, or online checkout completion that identifies the Service purchased. “MSA” refers to a separately signed Master Services Agreement, if any. “DPA” is Paytia's Data Processing Addendum.
2. Acceptance and eligibility
By creating an account, signing an Order, or using the Service, you accept these terms. You need to be at least 18 and have authority to bind the entity you represent. If there's an MSA in place between you and Paytia, the MSA wins wherever it conflicts with these terms.
3. Your account
You're responsible for keeping your account credentials secure, and you're responsible for everything that happens under your account — including activity by your employees, contractors, and end users. Tell us straight away if you suspect unauthorized access at [email protected].
4. Acceptable use
You agree not to use the Service for anything unlawful or in breach of third-party rights. Don't reverse engineer, decompile, or try to derive source code, except where law allows. Don't send spam or phishing through the Service. Don't interfere with the Service or with any other customer's use of it. Don't upload malware, viruses, or material that infringes IP. And don't use the Service in a way that breaches PCI DSS or applicable card-brand rules.
5. Intellectual property
Paytia owns the Service, including all software, documentation, and trademarks. We grant you a limited, non-exclusive, non-transferable license to use the Service during your subscription and strictly for your internal business purposes.
You own your Customer Data. You grant us a license to use it only as needed to provide the Service, meet legal obligations, and improve the Service on an aggregated, de-identified basis.
6. Fees, billing, auto-renewal, refunds
You agree to pay the fees in your Order. Unless stated otherwise, fees are billed in advance, in US dollars, and are non-refundable except where the law requires otherwise. Subscriptions auto-renew for successive terms equal to the initial term unless either side gives 30 days' notice of non-renewal. We may adjust prices at renewal with 30 days' notice.
Late payments accrue interest at 1.5% per month or the maximum rate allowed by law, whichever is lower. We may suspend the Service for non-payment after giving you notice and a reasonable chance to catch up.
7. Service levels and support
For enterprise customers, service-level commitments sit in the MSA. For other plans, we aim for 99.9% monthly uptime but don't guarantee it. Planned maintenance and force majeure events don't count against uptime.
8. Data processing
Our US Privacy Policyexplains how we handle personal information. For business customers, our Data Processing Addendum (DPA) governs processing of personal data on your behalf. If you're a healthcare customer handling protected health information, get in touch to discuss a Business Associate Agreement.
9. Warranty disclaimer
Except as expressly stated, the Service is provided “as is” and “as available.” To the maximum extent permitted by law, Paytia disclaims all other warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing.
10. Limitation of liability
To the maximum extent permitted by law, neither side will be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, or lost data, even if advised of the possibility.
Each side's total liability arising out of or relating to these terms is capped at the fees you paid to Paytia in the 12 months before the event giving rise to the claim.
These caps don't apply to your payment obligations, to either side's indemnification obligations, to fraud or willful misconduct, to gross negligence, or to infringement of the other side's intellectual property.
11. Indemnification
We'll defend you against third-party claims that the Service, as provided by us and used as authorized, infringes a US patent, copyright, or trademark, and we'll pay any resulting damages finally awarded or settlement we agree to.
You'll defend us against third-party claims arising from your Customer Data, from your use of the Service in breach of these terms, or from your violation of law, and you'll pay any resulting damages finally awarded or settlement you agree to.
Both sides' indemnification obligations are conditioned on prompt notice, sole control of defense and settlement, and reasonable cooperation.
12. Termination
Either side can terminate for material breach that isn't cured within 30 days of written notice. Paytia can suspend the Service immediately for non-payment after notice, for security threats, or where legal or regulatory requirements demand it.
On termination, your right to use the Service ends. We'll make Customer Data available for export for 30 days, and after that we may delete it. Sections that by nature should survive termination will survive.
13. Governing law and disputes
These terms are governed by US federal law and the law of the US state in which Paytia's registered US business address sits at the time the dispute arises. Either side can bring a claim in a court of competent jurisdiction. Before doing so we both agree to spend at least 30 days trying to resolve the issue informally — email [email protected]with a short description and what you'd like to see happen.
14. Export controls and sanctions
You confirm that you're not located in a country subject to comprehensive US sanctions (currently Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, and Luhansk regions) and you're not on any US government list of restricted parties (OFAC SDN list, Entity List, Denied Persons List). You won't export, re-export, or make the Service available to anyone in those jurisdictions or on those lists.
15. Changes to these terms
We may update these terms from time to time. For material changes we'll give you notice by email or in-app at least 30 days before they take effect. Continued use after that means you accept the new terms. If you don't accept them, stop using the Service before the effective date.
16. General
These terms are the entire agreement between you and Paytia for the Service, and they supersede any prior agreements on the same subject matter (other than a signed MSA). If any provision is held unenforceable, the rest stays in force. Neither side's failure to enforce a right counts as a waiver. You can't assign these terms without our written consent; we can assign to an affiliate or as part of a merger, acquisition, or sale of all or substantially all of our assets. Notices to us should go to [email protected].
17. Contact
Paytia Limited
Attn: Legal
447 Broadway, 2nd Floor #1258, New York, NY 10013
Email: [email protected]
Last Updated: 14 April 2026. Questions? [email protected].