StructaPay
Last Updated: [Insert Date]
1. General Risk Notice
StructaPay provides structured payment infrastructure solutions for regulated and complex online businesses.
Businesses operating in high-risk or regulated industries — including but not limited to iGaming, Forex & Trading, Nutra, Adult, IPTV, and cross-border eCommerce — are inherently exposed to elevated financial, regulatory, and operational risks.
By applying for processing, merchants acknowledge and accept these risks.
2. Regulatory Risk
Certain industries are subject to evolving regulatory frameworks across multiple jurisdictions.
Risks may include:
- Changes in local or international regulations
- Licensing updates or restrictions
- GEO-based processing limitations
- Card scheme rule modifications
- Enhanced compliance requirements
Regulatory changes may impact processing availability, settlement timelines, or account continuity.
StructaPay does not control regulatory decisions made by financial institutions, card networks, or government authorities.
3. Chargeback & Dispute Risk
High-risk industries typically experience elevated chargeback ratios.
Excessive chargebacks may result in:
- Monitoring programs
- Increased rolling reserves
- Processing restrictions
- Account suspension
- Termination by acquiring partners
Merchants are responsible for maintaining compliant refund policies, transparent billing descriptors, and effective customer support procedures.
4. Banking & Acquiring Risk
Payment processing services are provided by third-party acquiring banks and licensed payment institutions.
These institutions may:
- Modify commercial terms
- Adjust reserve structures
- Implement transaction limits
- Suspend accounts pending review
- Terminate relationships based on risk assessment
StructaPay does not guarantee uninterrupted processing services.
5. Settlement & Liquidity Risk
Settlement timelines may vary based on:
- Risk profile
- Industry classification
- Volume fluctuations
- Compliance reviews
- Banking partner policies
Rolling reserves or delayed settlements may be applied as risk mitigation measures.
6. Cryptocurrency Risk (Where Applicable)
For merchants utilizing crypto settlement options:
Risks may include:
- Price volatility
- Regulatory changes
- Blockchain network congestion
- Custody and wallet security risks
Merchants are responsible for managing digital asset exposure and compliance in their jurisdiction.
7. Cross-Border & FX Risk
International processing may involve:
- Currency fluctuation exposure
- Cross-border transaction fees
- Regional regulatory restrictions
- Localized consumer protection rules
StructaPay does not provide foreign exchange advisory services.
8. No Financial or Legal Advice
StructaPay does not provide:
- Legal advice
- Tax advice
- Investment advice
- Regulatory certification
Merchants are encouraged to seek independent legal and financial counsel before engaging in regulated or cross-border activities.
9. Merchant Responsibility
By submitting an application, merchants acknowledge that:
- Their industry may be classified as high-risk
- Processing terms may change based on performance
- Ongoing compliance obligations apply
- Approval and continuity are subject to third-party financial institutions
10. Acceptance of Risk
Submission of an application and engagement with StructaPay constitutes acknowledgment and acceptance of the risks outlined in this Risk Disclosure.