StructaPay
Last Updated: [Insert Date]
1. Introduction
These Terms & Conditions (“Terms”) govern the access to and use of the StructaPay website and related services.
By submitting an application, accessing our website, or engaging with our services, you agree to be bound by these Terms.
If you do not agree, you must not use this website or submit an application.
2. Nature of Services
StructaPay provides payment infrastructure structuring, consulting, and facilitation services for regulated and complex online businesses.
StructaPay:
- Is not a bank
- Is not a card scheme
- Is not a licensed financial institution
- Does not directly hold merchant funds
Payment processing services are provided by third-party acquiring banks, payment institutions, or financial partners, subject to their own underwriting and contractual terms.
Approval decisions are made solely by the relevant financial partners.
3. Eligibility
To apply for processing, you must:
- Be at least 18 years old
- Operate a legally registered business entity
- Provide accurate and complete information
- Operate within applicable laws and regulations
StructaPay reserves the right to decline any application at its sole discretion.
4. No Guarantee of Approval
Submission of an application does not guarantee:
- Approval
- Specific pricing
- Processing limits
- Acceptance by acquiring partners
All applications are subject to risk review, compliance clearance, and underwriting approval by relevant financial institutions.
5. Merchant Representations
By submitting an application, you represent and warrant that:
- All information provided is accurate and complete
- Your business operations comply with applicable laws
- You maintain required licenses where applicable
- You are not engaged in fraudulent, deceptive, or illegal activity
Providing false information may result in immediate rejection or termination.
6. Prohibited Activities
StructaPay does not support:
- Fraudulent schemes
- Intellectual property infringement
- Sanctioned entities or jurisdictions
- Unlicensed regulated activities
- Deceptive or misleading marketing practices
Engagement in prohibited activities may result in immediate termination and reporting where required.
7. Fees & Commercial Terms
Fees, reserves, and commercial terms are determined by third-party acquiring partners and outlined in separate agreements.
StructaPay does not control:
- Rolling reserve policies
- Settlement timelines
- Chargeback thresholds
- Account holds imposed by acquiring banks
Merchants are responsible for reviewing and agreeing to partner agreements before activation.
8. Limitation of Liability
To the maximum extent permitted by law, StructaPay shall not be liable for:
- Declined applications
- Account suspensions by acquiring partners
- Chargebacks or disputes
- Financial losses arising from third-party processing relationships
- Delays in underwriting decisions
Services are provided on an “as available” basis.
9. Intellectual Property
All content on the StructaPay website, including branding, text, design, and graphics, is the intellectual property of StructaPay and may not be reproduced without written consent.
10. Confidentiality
Information submitted through the application process will be handled in accordance with our Privacy Policy.
We implement reasonable safeguards to protect submitted documentation.
11. Termination
StructaPay reserves the right to:
- Refuse service
- Suspend applications
- Terminate relationships
at any time if compliance or risk concerns arise.
12. Amendments
StructaPay may update these Terms & Conditions at any time. Continued use of the website constitutes acceptance of updated Terms.
13. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of [Insert Jurisdiction].