Your agreement with PayEasy
PayEasy™ is the trading name used by the individual operating the PayEasy service in California, United States. “PayEasy”, “we”, and “us” refer to that operator. “Seller” and “you” mean the business using the service and the person authorised to act for it. A “customer” buys a seller’s goods or services. The service includes our website, seller workspace, APIs, checkout links, integrations, and cashout-request facilities.
You must be at least 18, legally able to enter an agreement, and authorised to represent the business you submit. The Acceptable Use Policy forms part of these Terms. Our Privacy Policy and Cookie Policy explain data handling; they are notices, not blanket consent to unrelated processing.
We ask sellers to expressly accept the current Terms and provider-account risk before creating new payment requests or requesting a cashout. These Terms do not retrospectively remove rights to existing funds or override mandatory law. Keep a copy of the version you accept.
What the service does
PayEasy provides the seller interface and payment-link workflow. Customers enter card details on Stripe-hosted pages. The seller’s product description is displayed on PayEasy; Stripe’s payment link uses a generic payment description. You must still identify your business and describe what the customer is buying clearly before payment.
Seller proceeds are intended to be paid in USDT on the Solana network under the agreed payout arrangement. Cashout requests require review and manual transfer; a dashboard request is not an automatic transfer. Any use of Wise for receiving settlement or moving funds remains subject to Wise’s own permissions and restrictions.
Approval by PayEasy does not establish approval by Stripe, Wise, a bank, a card network, or a regulator. We do not represent that a particular provider has approved your business or PayEasy’s settlement model merely because a link works. You must not use the service to bypass their requirements.
PayEasy is not offering a bank deposit, investment return, deposit insurance, or a guarantee against provider or cryptocurrency losses. Test-mode activity is separate from real funds and cannot be cashed out.
Your business and account
You remain responsible for your products, prices, customer contracts, delivery, tax obligations, required permissions, customer support, and lawful refund practices. Give accurate business and contact information and tell us before materially changing your business, products, or website.
Keep passwords and API credentials secure. Do not share an account with undisclosed businesses, lend access, or use another seller’s credentials. Report suspected compromise promptly. Only supply customer information you are entitled to share, and never put full card numbers, security codes, private keys, or passwords in order names, references, application fields, or support messages.
Statements about PayEasy’s current onboarding requirements do not exempt anyone from checks required by law or a provider. We may request information needed for security, a dispute, or a lawful review. Do not misrepresent a customer’s or seller’s identity to a provider.
Pricing and deductions
The standard processing fee is 15% of the transaction amount plus $0.45 USD per transaction, unless we separately agree a different rate in writing. Our ledger is denominated in USD. Percentage fees are rounded to the nearest cent; rounding does not create an exchange-rate guarantee.
The original processing fee is retained when a payment is refunded or charged back, except where applicable law requires otherwise. Refunds, chargebacks, reversals, and actual adjustments attributable to your transactions reduce your recorded funds. A refund of the full customer payment may therefore leave you owing the original processing fee after prior credits are reversed.
Any separate network, conversion, provider-dispute, or payout charge must be disclosed and supported by the applicable agreement or transaction evidence. Additional charges apply only where disclosed and agreed or required by applicable law. USDT may trade away from one US dollar; a USD ledger value is not a promise of a particular token quantity or exchange rate.
Four-day hold and cashout requests
Each verified live payment is subject to a four-day hold (96 hours) measured from the time PayEasy verifies that payment. The hold applies to the seller’s net funds after the processing fee and transaction adjustments. Unpaid, failed, unverified, test-mode, refunded, or disputed funds are not treated as unrestricted cashout funds.
After the hold, eligible funds can become available for a cashout request. The four-day period is a minimum eligibility rule, not a guaranteed payout date. Provider reserves, unsettled funds, fraud checks, refund exposure, a security review, legal obligations, or an account restriction may require a longer hold or suspension of cashouts.
A cashout request reserves the requested available USD amount so it cannot be requested twice. It remains subject to review and a separate manual transfer. A rejected or cancelled request releases its reservation; it does not create a new payment. A completed request must be reconciled against an actual transfer reference.
Provide a destination you control that can receive USDT on Solana. A valid-looking address does not establish ownership or recoverability. Review the destination and the actual USDT amount before a transfer. Broadcast crypto transfers generally cannot be reversed by PayEasy. Wrong-network, wrong-address, wallet, issuer, and blockchain risks may prevent recovery.
Provider accounts and funds at risk
Stripe, Wise, banks, networks, and other providers can impose reserves, delay settlement, reject or reverse transactions, offset liabilities, restrict access, or close accounts under their own rules. The affected account may be held or used by PayEasy and may handle funds for more than one seller.
To the maximum extent permitted by applicable law, you accept the risk of the part of your funds that an affected provider holds, deducts, or does not return. PayEasy is not required to advance replacement money from its own funds solely because the provider restricts or closes an account or makes those funds unrecoverable. This is a material condition of using the service, not a promise that payment proceeds are protected.
We must distinguish a temporary restriction from a documented loss. We will maintain records of amounts attributable to you, communicate material status information where legally permitted, and account for funds actually recovered. Any recovered amount remains subject to legitimate, documented transaction deductions and outstanding obligations. Closure is not permission for PayEasy to confiscate unrelated funds or retain money that should be credited to you. We will not allocate another seller’s individual debt to you merely because you share a provider account.
This allocation does not exclude liability for our fraud, wilful misconduct, gross negligence, violation of law, or any liability or duty that cannot lawfully be excluded. It does not excuse misuse of seller funds or guarantee that every exclusion is enforceable. Any broader obligation imposed by mandatory law prevails.
Provider restrictions cannot be overridden by these Terms. In particular, Wise restricts cryptocurrency-related account activity. A settlement or payout route must be permitted by the providers actually involved before it is used.
Refunds, disputes, and negative balances
Handle product complaints and lawful refund requests promptly, keep delivery evidence, and cooperate with dispute enquiries. Contact us to reconcile a refund or chargeback with the original transaction. Closing a seller account does not erase customer rights, a refund, a valid chargeback, or an amount genuinely owed.
Refunds and chargebacks can occur after the four-day hold or after a cashout. They can reduce pending or available funds, block a new cashout, or leave a negative balance. A later reversal of a provider debit must also be reconciled. A dashboard entry must be supported by the relevant payment or adjustment; the same loss must not be charged twice.
Dashboard changes are accounting records. They do not themselves refund a card payment or move cryptocurrency. A successful checkout and a customer’s screenshot are not guarantees of final settlement or immunity from a later dispute.
API and platform integrations
Use your PayEasy API key only from your backend and follow the private documentation, rate limits, and idempotency requirements. The business name is taken from your seller profile. You must control any configured return destination and have permission to connect a third-party store.
Confirm the exact amount, currency, mode, and authenticated payment status before fulfilling an order. A browser redirect, an unverified callback, or a customer message is not proof of payment. Automatic platform delivery is subject to platform access and independent live-payment confirmation. An uncertain delivery result requires review before another delivery attempt.
Keep platform API permissions limited to what is needed. Changes to a connection or its credentials may suspend unfinished integration jobs for review. We do not promise uninterrupted access to external APIs or features not documented as available.
Restriction, closure, and service changes
We may refuse an application, stop new transactions, pause an account, restrict cashouts, or end access where reasonably necessary for a breach, suspected fraud, a security incident, provider instructions, or a legal requirement. Urgent action may occur before notice. We will explain the issue and review relevant information where lawful and practical; we may withhold protected investigation or security details.
Stopping access does not erase accurate financial records or outstanding obligations. Closing an account does not, by itself, extinguish a seller’s entitlement to recoverable funds. You may request closure through support; unresolved transactions, disputes, cashouts, and lawful retention needs must still be addressed.
We may update these Terms and publish a new version. Material seller obligations require appropriate notice and renewed acknowledgement before future payment activity. We will not use a later version to retrospectively turn recoverable funds into PayEasy’s property.
Service limits and your legal rights
We take reasonable care in operating the service, but cannot promise continuous availability, provider approval, particular settlement timing, blockchain availability, or error-free third-party software. Report discrepancies promptly with the relevant order or cashout reference.
To the extent permitted by law, we exclude liability for indirect or consequential business loss, including lost future profit, arising from events outside our reasonable control. This does not exclude an obligation to account for seller funds or the non-excludable liabilities stated above. A dashboard balance does not establish insurance, deposit protection, or a guarantee by a payment provider.
Nothing in these Terms restricts a right or remedy that cannot legally be waived. A provision that is unenforceable applies only to the extent lawful, and the remaining provisions continue to operate.
California law and contacting us
Subject to mandatory laws that apply to you, these Terms are governed by California law, United States. These Terms do not establish an exclusive court venue. Applicable jurisdictional rules determine the appropriate court; mandatory rights and any legally required dispute process are preserved.
Please raise a concern with us first so we can investigate. Include your business name, transaction or cashout reference, and a short description. Do not send passwords, API secrets, full card details, or wallet recovery phrases.
Contact the PayEasy operator at [email protected] or @chris_payeasy on Telegram.
Questions about this policy?