Terms of Service

These Terms govern access to Payfux by a business customer. The contracting provider is identified on this page using company information supplied by the site operator. That information must be confirmed against a current Costa Rican registry certificate before regulated or live-money services are launched.

By creating an account, clicking to accept these Terms, or using an enabled service, the customer confirms that it has read and agreed to the version presented at acceptance. Product-specific schedules, written offers, order forms, and onboarding approvals form part of the contract. If they conflict, a signed product-specific document controls for that product.

Payfux is offered for authorised business use, not personal, household, or family use. The customer and each authorised representative must have capacity to contract and must provide complete, current, and accurate information.

• The customer must be lawfully formed and permitted to conduct its business in every relevant jurisdiction.
• Gaming operators must hold and maintain every licence required for their activities, customers, and markets.
• Access remains subject to country, product, asset, network, risk, and onboarding eligibility.
• No feature shown in a demo, preview, or proposal is enabled unless Payfux confirms it in writing and the dashboard reports it as available.

The customer is responsible for its authorised users, credentials, instructions, integrations, and the accuracy of any beneficiary, player, order, wallet, or settlement reference it provides. The customer must promptly remove access that is no longer required and notify Payfux of suspected unauthorised use.

Payfux may rely on an instruction that passes the agreed authentication and authorisation controls unless Payfux knows it is unauthorised. Account access does not itself authorise a money movement; availability, limits, approvals, and operational controls are applied separately.

Depending on written approval and technical readiness, services may include payment collection, wallet and balance records, address attribution, checkout, payment links, settlement workflows, reconciliation, and related APIs. The exact supported methods, assets, networks, custody arrangement, settlement destinations, fees, and limits are those displayed in the enabled product or agreed schedule.

Illustrations and read-only demos use synthetic data and are not statements of availability. Payfux may decline, delay, limit, or withdraw a product where required by law, risk controls, a provider, network conditions, or operational readiness.

The customer must review an instruction before submitting it, including asset, network, amount, address, beneficiary, and reference. Blockchain transfers can be irreversible and an asset sent on the wrong network may be unrecoverable. A submitted instruction is accepted only when the service records acceptance; a screen state, estimate, or quote is not acceptance.

Conversion or valuation information must identify its source and valuation time in the relevant product. Network confirmations, provider review, legal holds, reconciliation, and other conditions may affect when a transaction is credited, released, or completed. Payfux does not promise a settlement time in these Terms.

The customer must pay the fees shown before an instruction is accepted or set out in its signed schedule. Fees may include transaction, network, conversion, service, investigation, or financing charges where legally permitted. Payfux will not add a material mandatory charge without disclosure through the product or an agreed amendment.

The customer is responsible for taxes arising from its business and use of the services, except taxes imposed on Payfux's own net income. Limits and reserves may vary by product, jurisdiction, payment method, asset, network, customer profile, and risk review.

Payfux may request corporate, ownership, beneficial-owner, representative, licence, source-of-funds, source-of-wealth, transaction, sanctions, and other due-diligence information. The customer authorises verification with appropriate public records and service providers as described in the Privacy Notice.

Payfux may reject or hold an instruction, restrict a feature, request information, make a legally required report, or close an account to comply with law, sanctions, court or regulatory directions, anti-money-laundering duties, fraud controls, or these Terms. Payfux may be prohibited from explaining a report or hold.

A Bankroll submission is a non-binding request for an individual review. It does not reserve funding, establish a credit limit, approve the applicant, or require either party to proceed. Eligibility may consider lawful business activity, Payfux history, payment and payout volume, disputes, licences, ownership, financial condition, and other underwriting information.

Any facility exists only under a separately reviewed written offer and signed financing agreement. That agreement must state principal, currency, term, annual rate, total financing cost, every mandatory fee, repayment schedule, valuation method, permitted use, collateral if any, late/default terms, early-repayment treatment, and complaints procedure. Rates and charges remain subject to applicable maximum-cost rules.

The proposed Vault is not currently available. No customer may activate it, allocate funds, accrue a return, or request a Vault release under these Terms. References to a balance over $10,000, a proposed 12% APY, daily credits, a 48-hour release period, or a proposed revenue source describe a gated product design, not an offer or promise.

A Vault can launch only after legal and regulatory classification, written product terms, approved country and asset eligibility, a defined calculation convention, documented backing, and operational controls are in force. If launched, the customer must accept a separate versioned agreement before allocating value.

Some services depend on banks, card processors, liquidity or conversion providers, blockchain networks, infrastructure providers, identity-verification services, and other third parties. Their own terms may apply where presented. Payfux remains responsible for duties that applicable law does not permit it to exclude, but does not control independent networks or providers.

Either party may terminate an ongoing account arrangement as allowed by its order form or product schedule. Payfux may immediately suspend access where continued use may be unlawful, expose a person to loss, compromise records, breach these Terms, or defeat a risk control.

Termination does not erase accrued fees, accepted instructions, financing obligations, record-retention duties, dispute rights, or provisions intended to survive. Subject to legal holds and the applicable custody arrangement, the customer may request return of eligible assets through the available withdrawal process.

Dashboard records, receipts, signed agreements, and notices may be provided electronically. The customer must keep its contact information current and download records it needs. A notice is effective when delivered through the agreed dashboard or email channel, subject to mandatory law.

Payfux may correct a display, duplicate entry, or obvious record error, but will preserve an audit trail and will not use a correction to create an unsupported customer liability.

Payfux and its licensors retain their rights in the service, software, documentation, and branding. The customer receives a limited, revocable, non-transferable right to use enabled services for its lawful internal business during the contract.

The customer retains rights in its data. It grants Payfux the rights needed to host, process, transmit, and display that data to provide, secure, support, and comply with law for the service.

The customer accepts the risks described in the Risk Disclosure. Except for express commitments in a signed schedule and rights that cannot lawfully be excluded, services are provided as available and Payfux does not warrant uninterrupted access, a particular asset price, an underwriting outcome, or that a third-party network will perform.

Nothing in these Terms describes customer assets as bank deposits, deposit insurance, regulator-approved investments, or a return guaranteed by Payfux or a public authority.

Neither party excludes liability that cannot lawfully be excluded, including liability for fraud, wilful misconduct, or other mandatory rights. Subject to that rule and any product schedule, neither party is liable for indirect or consequential loss, lost profit, or loss caused solely by the other party's incorrect instruction, unlawful activity, or failure to protect authorised access.

Any contractual cap must be stated in the applicable signed schedule and is subject to mandatory Costa Rican law and mandatory law in the customer's jurisdiction. This page does not impose a blanket cap where none has been agreed.

To the extent permitted by law, the customer will defend and indemnify Payfux against a third-party claim caused by the customer's unlawful business, breach of licence obligations, infringement, inaccurate instruction, or material breach of these Terms. Payfux must give reasonable notice and allow the customer to control the defence, while retaining the right to participate.

Send a complaint to [email protected] with the account, transaction or application reference, the issue, and requested resolution. Payfux will acknowledge it and provide the applicable process and response timeframe. Do not email identity documents unless Payfux has provided an approved secure channel.

The parties should first attempt good-faith resolution. Costa Rican law governs these Terms, and the competent courts of San José, Costa Rica have jurisdiction, except where mandatory law gives another forum or right that cannot be waived.

Payfux may update these Terms for legal, product, or operational reasons. Material changes will be notified before they take effect where required. Continued use after an effective date constitutes acceptance only where applicable law permits; otherwise renewed acceptance will be requested.

The version and effective date appear at the top. Contact details and the service address for notices appear at the end of this page.