Terms of Use

We are TRAPAY LTD ("TRAPAY", "We", "Us", "Our"), a company incorporated in England and Wales, operating as a provider of payment software, technical integration services, analytics tools, and payment infrastructure software solutions.

We operate the website https://trapay.uk and related applications, dashboards, APIs, and software solutions made available under the TRAPAY brand.

Please feel free to contact Us at info@trapay.uk if You have any questions or inquiries regarding these Terms of Use or Our services.

These Terms of Use shall serve as a legally binding agreement between TRAPAY and its users, including merchants, business customers, clients, integrators, and other authorized users of the Service ("You", "Your", "User", "Merchant", "Customer").

These Terms of Use, together with any other policies, tariffs, service descriptions, acceptable use rules, privacy notices, or additional service-specific terms published by TRAPAY from time to time, shall constitute the entire agreement (the "Agreement") between You and TRAPAY in relation to the Service.

By registering for, accessing, integrating with, or otherwise using the Service, You acknowledge that You have read, understood, and agree to be bound by this Agreement.

TRAPAY grants You a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service strictly for Your own internal business purposes and subject to the terms of this Agreement. All rights, title, and interest in and to the Service not expressly granted herein are reserved by TRAPAY.

This Agreement is concluded for an indefinite period, unless otherwise agreed in writing.

We may, from time to time, amend, update, supplement, or otherwise modify these Terms of Use and any part of the Agreement at Our sole discretion, including where required due to changes in business operations, legal requirements, provider requirements, card scheme requirements, technical updates, compliance policies, commercial terms, or risk management standards.

Any updated version of these Terms of Use will be published on Our website and/or made available through the Service. Unless otherwise stated, such updated version shall become effective immediately upon publication. TRAPAY may make such changes without prior notice to the Merchant. Continued use of the Service after publication of updated terms constitutes Your acceptance of the revised Agreement.

If You do not agree to any provision of this Agreement, including any updated version, You must stop using the Service.

These Terms of Use are prepared in the English language. The main language of communication is generally English, unless otherwise agreed by TRAPAY in writing.

At any time while this Agreement is in force, You may request a copy of these Terms of Use by contacting Us.

Within the scope of this Agreement, TRAPAY acts solely as a provider of payment software, technical support, integration services, automation tools, and related technology solutions.

TRAPAY provides software products and technical services that may include, among others:

• merchant dashboards;
• analytics and reporting tools;
• payment routing and failover logic;
• APIs and integration layers;
• hosted payment pages and payment links;
• chargeback and refund management tools;
• fingerprinting, scoring, fraud-prevention, and risk-assessment tools;
• technical support and maintenance services;
• settlement monitoring and reporting interfaces;
• provider connection, orchestration, and technical integration tools;
• Telegram bot functionality and related operational tools;
• integrations with CMS platforms, custom websites, CRMs, and other systems.

All services described above and any other services, features, modules, or tools made available by TRAPAY shall be collectively referred to in this Agreement as the "Service."

Important Nature of the Service

TRAPAY is not a bank, payment institution, electronic money institution, money remittance provider, acquiring bank, card issuer, merchant acquirer, marketplace, custodian, wallet provider, exchange, or payment service provider.

Accordingly, TRAPAY:

• does not process payments itself;
• does not receive payer funds on behalf of Merchants;
• does not settle funds to Merchants;
• does not hold, safeguard, transfer, or custody client funds;
• does not execute payment transactions in its own name;
• does not provide regulated payment services;
• does not act as Merchant of Record unless expressly stated otherwise in a separate written agreement.

Payment acceptance, authorization, processing, clearing, settlement, refunds, chargebacks, and other financial transaction functions are carried out exclusively by third-party payment service providers, acquirers, processors, issuers, banks, payment institutions, and/or other financial partners (collectively, the "Providers") selected, approved, or made available for technical integration.

TRAPAY's role is limited to providing software, technical infrastructure, integration support, maintenance, analytics, automation, and related services.

Third-Party Providers

Where the Service enables the Merchant to connect to, integrate with, or route transactions to a Provider, the Provider's services shall remain entirely separate from TRAPAY's software services.

The Merchant understands and agrees that:

• each Provider may have its own onboarding requirements, eligibility rules, compliance standards, prohibited business categories, risk rules, documentation requirements, chargeback thresholds, reserve mechanisms, settlement terms, technical limitations, and service interruptions;
• the Merchant may be required to enter into separate agreements with such Providers;
• Providers remain solely responsible for the payment services they provide;
• TRAPAY does not guarantee acceptance, continuity, approval rates, settlement schedules, processing results, or ongoing availability of any Provider.

TRAPAY may decide, at its sole discretion, whether to make available or maintain any technical integration with any Provider.

No Payment Services

Nothing in this Agreement shall be interpreted as creating any obligation on TRAPAY to provide payment services or perform any regulated financial activity.

The Service is provided on an "as is" and "as available" basis. TRAPAY makes no warranty that:

• the Service will meet all of Your requirements;
• the Service will be uninterrupted, timely, secure, or error-free;
• the Service will be available with all Providers at all times;
• the results obtained through the Service will be accurate, complete, or reliable in all circumstances;
• any errors or defects will always be corrected;
• any specific routing logic, fraud control, technical rule, analytics model, or integration setup will produce a desired business outcome.

Technical Services and Maintenance

TRAPAY may provide technical support, onboarding assistance, integration services, custom development, infrastructure assistance, configuration services, provider communication support, or other professional services. Such services may be charged separately, as indicated on the website, in pricing schedules, or in separate commercial arrangements.

In consideration for the Service, the Merchant agrees to pay the fees applicable to the selected TRAPAY plan and any additional services used.

TRAPAY may charge, among others:

• a monthly subscription fee according to the tariffs published on the TRAPAY website;
• technical support and technical maintenance fees;
• fees for additional services, including custom development, custom integrations, onboarding, provider connection assistance, infrastructure support, advanced support packages, consulting, configuration, or other requested services;
• usage-based or project-based fees where agreed separately.

Unless otherwise agreed in writing:

• all fees are payable in advance or as invoiced by TRAPAY;
• all fees are exclusive of applicable taxes, duties, levies, or charges;
• the Merchant is responsible for all taxes applicable to the Service, except taxes imposed on TRAPAY's income;
• unpaid fees may result in service suspension, restricted functionality, or termination;
• fees paid to TRAPAY are not contingent on payment processing success, payer approval, provider performance, chargeback outcomes, settlement timing, or business profitability;
• all fees are non-refundable, except where otherwise expressly stated in writing by TRAPAY.

TRAPAY may update its pricing, tariffs, and fee structures from time to time. Updated pricing may apply immediately or from such date as indicated by TRAPAY.

The Merchant expressly acknowledges and agrees that all payment transactions facilitated through the Service are processed by third-party Providers and not by TRAPAY.

TRAPAY shall not be responsible for:

• the execution or non-execution of payments;
• settlement delays or failures;
• blocked or rejected transactions;
• reserves, holds, rolling reserves, compliance holds, provider investigations, or account freezes;
• chargebacks, retrievals, disputes, scheme fines, penalties, or network monitoring programs;
• currency conversions performed by Providers;
• provider fees or deductions;
• account closures or suspensions imposed by Providers.

No Custody of Funds

TRAPAY does not have access to, control over, or custody of any Merchant or payer funds related to transactions processed through the Service.

At no time does TRAPAY receive, hold, transfer, safeguard, or settle end-customer funds in its own name, unless expressly stated otherwise in a separate written agreement.

All flows of money occur between the payer, the Merchant, and/or the relevant Provider.

If the Merchant experiences any issue relating to processing, settlement, reserve, payout, chargeback, refund, or similar financial matters, such matter may depend wholly or partly on the relevant Provider's policies, systems, rules, or discretion. TRAPAY may assist operationally or technically where possible, but shall bear no direct liability for such matters.

By using the Service, You represent, warrant, and undertake that:

• You have the full legal capacity, authority, and power to enter into this Agreement on behalf of Yourself and/or the Merchant entity;
• all information provided to TRAPAY is true, accurate, complete, and up to date;
• You will use the Service only for lawful purposes and in compliance with applicable laws and regulations;
• You are solely responsible for Your business, products, services, websites, offers, customer communications, and regulatory compliance;
• You will not use the Service in connection with fraud, scams, fake shops, carding, phishing, unauthorized subscriptions, deceptive offers, illegal gambling where prohibited, unlicensed financial services, unlawful medical or pharmaceutical activities, illegal credit or lending activity, logs, credential trading, identity abuse, or other unlawful or prohibited activity;
• You are responsible for obtaining any required licenses, permits, registrations, approvals, or authorizations applicable to Your business;
• You are responsible for keeping Your credentials, API keys, access tokens, dashboard accounts, and related information secure;
• You shall not disclose access credentials to unauthorized third parties;
• You will not use false, stolen, synthetic, or misleading identity information;
• You will not resell, sublicense, lease, or otherwise make the Service available to unauthorized third parties except as expressly approved by TRAPAY;
• You will not reverse engineer, decompile, disassemble, copy, exploit, interfere with, or misuse the Service;
• You will not access or use the Service to build or support competing products or services;
• You will promptly provide TRAPAY with documents, explanations, screenshots, merchant information, KYC/KYB details, compliance evidence, technical details, or any other information reasonably requested.

Any prohibited use shall constitute a material breach of this Agreement.

The Merchant is solely responsible for:

• the legality and legitimacy of its business model;
• the nature of goods and services sold;
• all content, offers, promotions, statements, promises, and advertising made to end users;
• obtaining and maintaining all required registrations, permissions, authorizations, licenses, and approvals;
• ensuring that all transactions processed through Providers are lawful and authorized;
• customer support, complaint resolution, refunds, and post-sale service;
• chargebacks, disputes, and scheme-related consequences arising from its business activities;
• ensuring that technical integrations implemented through the Service are used in accordance with Provider rules and applicable law.

TRAPAY does not verify or certify that the Merchant's business is lawful, licensed, compliant, suitable for any particular Provider, or acceptable under any specific card scheme or banking rule.

The Merchant remains solely liable for all losses, claims, liabilities, chargebacks, penalties, investigations, costs, or damages arising from its business conduct.

TRAPAY may provide fraud prevention, transaction monitoring, fingerprinting, BIN checks, IP checks, velocity controls, routing logic, payment scoring, or similar tools. These tools are intended to assist with risk management and operational efficiency, but do not guarantee prevention of fraud, chargebacks, abuse, or unlawful activity.

The Merchant acknowledges that:

• scoring models and risk systems may produce false positives or false negatives;
• a payment marked as low risk may still become fraudulent or disputed;
• a payment blocked by risk tools may later turn out to have been legitimate;
• TRAPAY is not responsible for any business loss resulting from the Merchant's reliance on analytics or scoring outputs.

TRAPAY may collect and analyze technical data, device data, browser data, routing data, API data, transaction metadata, and other operational information for the purposes of improving the Service, ensuring security, investigating abuse, monitoring risk, and maintaining platform integrity.

TRAPAY may, at its sole discretion and/or where required by partners, Providers, acquiring banks, card schemes, processors, or compliance obligations, take actions in relation to the Merchant or any part of the Service in case of:

• actual or suspected fraud;
• suspicious activity;
• chargeback spikes;
• unusual transaction behaviour;
• policy breaches;
• payer complaints;
• provider escalations;
• scheme notices;
• compliance concerns;
• high-risk traffic;
• adverse media or reputational concerns;
• lack of cooperation by the Merchant;
• incomplete or unsatisfactory documentation;
• legal or regulatory concerns.

Such actions may include, without limitation:

• disabling payment acceptance through certain integrations;
• disabling payment routing;
• restricting, suspending, or limiting access to the Merchant Dashboard;
• suspending access to certain Providers or technical modules;
• pausing onboarding of new traffic or new merchants;
• requesting additional documents, explanations, screenshots, logs, customer evidence, or compliance materials;
• rejecting specific transactions or categories of transactions;
• requiring implementation of additional fraud controls;
• suspending or terminating the Merchant's access to the Service.

Where a Provider, acquiring bank, or partner imposes restrictions, holds, reserves, limitations, investigations, or suspensions, TRAPAY may reflect, support, or technically enforce related limitations within the Service.

As TRAPAY does not itself settle funds, all settlement-related matters are determined by the relevant Provider.

However, where payout or settlement information is displayed in the Service, such information is provided for operational convenience only and may be subject to change by the Provider.

The Merchant acknowledges and agrees that:

• payout timelines are determined by the relevant Provider, not by TRAPAY;
• Providers may delay, suspend, reduce, reserve, offset, or withhold settlements;
• settlements may be delayed due to compliance checks, chargebacks, reserve requirements, scheme monitoring, bank reviews, investigations, or fraud concerns.

In the event that payment terminals or provider relationships are suspended by the acquiring bank or Provider, and a hold is imposed on funds, the payout period may be extended accordingly; however, it shall not exceed the duration of the hold imposed by the relevant bank or Provider, to the extent such funds are under their control and not under TRAPAY's control.

TRAPAY shall not be liable for settlement delays, reserve mechanisms, or withholding of funds by any Provider.

If You become aware of:

• unauthorized access to the Service;
• compromised credentials or API keys;
• misuse of Merchant accounts;
• fraud, impersonation, identity abuse, or abnormal payment activity;
• technical tampering;
• customer complaint patterns suggesting abuse;
• data leaks or security incidents relevant to the Service,

You must notify TRAPAY as soon as reasonably possible at info@trapay.uk.

TRAPAY may contact You using the contact information You provided if We believe there is actual or suspected fraud, abnormal activity, security risk, or a compliance concern.

Failure to promptly notify TRAPAY of relevant security or abuse issues may affect TRAPAY's ability to assist and may increase the Merchant's liability exposure with Providers.

To provide the Service, TRAPAY may collect, store, process, analyze, and display data relating to:

• Merchant account information;
• integration and technical configuration data;
• payment and routing metadata;
• dashboard activity;
• risk and device information;
• transaction reports;
• payer technical data where captured by the Merchant's implementation;
• support and operational records.

Where the Service includes dashboards, analytics, fraud tools, provider routing, or technical reporting, the Merchant grants TRAPAY a non-exclusive, worldwide, royalty-free right to use such data strictly for purposes related to:

• providing the Service;
• maintaining and improving the Service;
• technical support;
• fraud prevention and abuse prevention;
• compliance with law, provider obligations, and scheme requirements;
• internal analytics and platform security.

TRAPAY will process personal data in accordance with its Privacy Policy and applicable data protection laws.

The Merchant is responsible for ensuring that it has all necessary legal bases, notices, disclosures, and permissions required for any data it transmits through or into the Service.

The Service may rely on or connect with third-party products, services, APIs, or systems, including Providers, hosting services, fraud vendors, messaging tools, external software platforms, and infrastructure vendors.

TRAPAY does not control and is not responsible for:

• the availability or security of third-party systems;
• third-party outages or API changes;
• third-party pricing, policies, limits, or restrictions;
• third-party errors, delays, or vulnerabilities.

Use of third-party integrations may be subject to additional agreements and policies imposed by those third parties.

You may stop using the Service at any time, subject to any outstanding payment obligations and any notice period agreed commercially.

TRAPAY may suspend, restrict, or terminate Your access to the Service, in whole or in part, at any time, with or without prior notice, where TRAPAY reasonably considers such action necessary or appropriate, including for reasons of:

• security;
• provider requirements;
• suspected fraud;
• legal or compliance risk;
• unpaid fees;
• policy violations;
• reputational concerns;
• technical misuse;
• abusive or unlawful business activity.

Upon termination:

• Your right to use the Service shall immediately cease;
• TRAPAY may disable access credentials, integrations, and dashboards;
• outstanding fees shall remain payable;
• TRAPAY may retain necessary records as required by law, policy, or legitimate business need.

Termination shall not affect any rights or obligations accrued prior to termination.

All intellectual property rights in and to the Service, including all software, source code, object code, architecture, APIs, integrations, user interfaces, workflows, designs, reports, fraud rules, models, analytics logic, documentation, trademarks, service marks, trade names, content, and related materials, are and shall remain the exclusive property of TRAPAY and/or its licensors.

Nothing in this Agreement transfers any ownership rights to You.

You may not:

• copy or reproduce the Service except as necessary for permitted use;
• modify, adapt, reverse engineer, decompile, or disassemble the Service;
• create derivative works based on the Service;
• remove proprietary notices;
• use the Service to create a competing offering.

TRAPAY® and related marks are proprietary to TRAPAY LTD.

Each party may receive confidential, technical, commercial, operational, or business information from the other party in connection with the Service.

The receiving party shall:

• keep such information confidential;
• use it only for purposes related to this Agreement;
• not disclose it to third parties except to employees, contractors, advisors, or providers who have a legitimate need to know and are bound by confidentiality obligations, or where disclosure is required by law.

TRAPAY's software, documentation, technical architecture, fraud systems, scoring systems, integration methods, business processes, provider relationships, and non-public information constitute confidential information and may also constitute trade secrets.

This section shall survive termination of the Agreement.

You agree to defend, indemnify, and hold harmless TRAPAY, its affiliates, officers, directors, shareholders, employees, contractors, agents, licensors, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, fines, penalties, demands, and legal fees arising from or related to:

• Your business activities;
• Your use or misuse of the Service;
• Your breach of this Agreement;
• fraud, complaints, disputes, or chargebacks connected to Your business;
• unlawful or non-compliant activity by You or Your customers;
• Your violation of any law, regulation, provider rule, or scheme rule;
• infringement of third-party rights by You.

To the maximum extent permitted by applicable law, TRAPAY shall not be liable for any indirect, incidental, special, punitive, exemplary, or consequential damages, including loss of profits, loss of revenue, loss of business, loss of data, reputational loss, or loss arising from downtime, provider action, settlement delay, chargebacks, or technical interruptions.

Without limitation, TRAPAY shall not be liable for:

• payment failures or payment reversals;
• provider declines or restrictions;
• reserve holds or payout delays;
• chargebacks, retrievals, or disputes;
• scheme fines or provider-imposed penalties;
• customer complaints;
• unlawful activity of the Merchant;
• inaccurate or misleading information provided by the Merchant;
• errors caused by third-party systems or external services;
• losses resulting from provider actions or omissions;
• losses caused by reliance on analytics, scoring, or risk tools;
• business losses caused by fraud or abuse not prevented by the Service.

To the maximum extent permitted by law, TRAPAY's aggregate liability arising out of or in connection with the Service or this Agreement shall not exceed the total amount of fees actually paid by the Merchant to TRAPAY for the Service during the 30 days preceding the event giving rise to the claim.

Nothing in this Agreement excludes or limits liability to the extent such exclusion or limitation is prohibited by law.

We kindly ask You to address any concerns, questions, or complaints directly to TRAPAY at info@trapay.uk and We will make reasonable efforts to assist.

However, the Merchant acknowledges that TRAPAY is a software provider and not a payment institution or payment service provider. Therefore, complaints relating to:

• payment authorization;
• transaction execution;
• settlement delays;
• reserve holds;
• payment refusal;
• chargeback handling by acquiring banks or processors;
• bank or card scheme actions,

must be directed to the relevant Provider responsible for such payment services.

If a complaint concerns how TRAPAY stores or processes personal data, please also refer to Our Privacy Policy.

TRAPAY processes personal data in accordance with applicable data protection laws, including, where applicable, the UK GDPR, the EU GDPR, and the Data Protection Act 2018, and in accordance with its Privacy Policy.

The Merchant is responsible for ensuring that any personal data submitted to or processed through the Service is collected and shared lawfully.

Where required, the Merchant shall provide all necessary notices to end users and obtain all necessary consents or legal bases.

This Agreement shall be governed by and construed in accordance with the laws of England and Wales, unless mandatory law requires otherwise.

If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

No failure or delay by TRAPAY in exercising any right or remedy shall operate as a waiver of that or any other right or remedy.

This Agreement does not create any agency, partnership, joint venture, employment, fiduciary, or franchise relationship between the parties.

You may not assign or transfer this Agreement or any rights under it without TRAPAY's prior written consent. TRAPAY may assign this Agreement to an affiliate or successor.

This Agreement constitutes the entire agreement between You and TRAPAY in relation to the Service and supersedes all prior discussions, understandings, and communications concerning the same subject matter, unless otherwise agreed in writing.

If You have any questions regarding these Terms of Use or the Service, please contact: