These Terms and Conditions (“Terms”) govern your access to and use of the website, mobile application, payment functionality, money transfer services, and related products and services (collectively, the “Services”) offered by Paymerch LLC (“Company,” “we,” “our,” or “us”). By creating an account, accessing the Services, or initiating a transaction, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
1. Company Information
Legal Name: Paymerch LLC
Brand Name: Paymerch LLC
Support Email: [email protected]
Support Telephone: +1 (505) 630-0042
Website: https://paymerch.us
2. Description of Services
The Company provides technology-enabled payment, person-to-person transfer, and/or international money transfer services that allow eligible users to send funds to designated recipients in supported jurisdictions.
Depending on the program, transactions may be funded by debit card, credit card where permitted, ACH or bank transfer, or another payment method made available through the Services. Recipients may receive funds through supported payout methods, which may include bank deposits, mobile money, or other approved payout channels.
Available methods vary by jurisdiction, corridor, financial institution, payment network, and service provider. Certain components of the Services are provided through third-party financial institutions, money-transmission providers, payment processors, compliance providers, payout providers, and technology providers.
3. Eligibility
You must be at least eighteen (18) years old, have legal capacity to enter a binding agreement, and use the Services only from a jurisdiction where they are available. We may decline, restrict, suspend, or discontinue access when reasonably necessary to comply with applicable law, sanctions, fraud-prevention controls, risk-management requirements, or requirements of our financial or payment partners.
4. Registration and Identity Verification
You must provide accurate, current, and complete information. We and our service providers may require identity verification and information necessary for Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), sanctions screening, fraud prevention, transaction monitoring, and other legal or regulatory obligations.
Information may include your legal name, date of birth, address, telephone number, email address, government-issued identification, taxpayer or identification number where applicable, source-of-funds information, and other information reasonably required for verification. You authorize the Company and its service providers to verify information through lawful third-party sources. Failure to provide requested information may result in delay, rejection, cancellation, or restriction of a transaction or account.
5. Account Security
You are responsible for maintaining the confidentiality and security of your account credentials and for promptly notifying us of suspected unauthorized access. You may not impersonate another person, use false information, permit unauthorized use of your account, or attempt to circumvent transaction or compliance controls.
6. Transaction Instructions
By submitting a transaction, you authorize the Company and its applicable service providers to process the transaction according to the instructions you provide. You are responsible for reviewing recipient information, destination details, transfer amount, funding method, destination country, currency, fees, and exchange rate before confirmation.
Incorrect recipient or destination information may cause delays or misdelivery. Once a transaction has been completed or funds have been delivered, reversal may not be possible except where required by applicable law.
7. Card Payment Authorization
When you fund a transaction using a debit or credit card, you authorize Paymerch LLC and its payment processor, acquiring bank, card networks, and other payment service providers to charge the payment method you provide for the transaction amount and any fees disclosed before authorization.
You represent that you are authorized to use the payment method. A card issuer may independently decline a transaction. Charges may appear on your statement under the Company’s legal name, trade name, or another merchant descriptor disclosed during the transaction.
You agree not to initiate an improper chargeback for a transaction you authorized and that was properly processed. Nothing in these Terms limits chargeback, billing-error, or consumer-protection rights that cannot legally be waived.
8. ACH and Bank Payments
If you authorize payment through ACH or another bank debit method, you authorize the applicable payment provider to initiate an electronic debit from the bank account you designate for the amount disclosed to you. You represent that you are authorized to initiate transactions from that account. Returned or rejected transactions may be canceled, suspended, or otherwise handled in accordance with applicable law and payment-network rules.
9. Fees and Exchange Rates
Before you authorize a transaction, the Services will disclose transaction information required by applicable law, which may include the transfer amount, fees, exchange rate, amount expected to be delivered, and other required information. Exchange rates may include a margin or spread. The rate and fees applicable to a transaction are those disclosed before authorization, subject to applicable law. Third-party institutions may impose charges outside the Company’s control where permitted by law.
10. Transaction Limits
We may establish or adjust transaction limits based on applicable law, jurisdiction, verification status, payment method, transaction history, fraud and compliance controls, and requirements of financial or payment partners. Additional documentation may be required before certain transactions are permitted.
11. Cancellation, Refunds, and Errors
Cancellation, refund, and error-resolution rights depend on the transaction type and applicable law and are further described in the Company’s Refund and Cancellation Policy and transaction-specific disclosures.
For transactions qualifying as remittance transfers under applicable U.S. law, you may have statutory cancellation and error-resolution rights. The applicable transaction receipt or disclosure will state the procedures and deadlines that apply. Nothing in these Terms limits rights that cannot legally be waived.
12. Prohibited Activities
You may not use the Services for fraud, money laundering, terrorist financing, sanctions evasion, unlawful activity, use of stolen or unauthorized payment methods, false or misleading information, structuring to evade reporting or compliance requirements, circumvention of transaction limits, unauthorized commercial activity, or any activity prohibited by applicable law or by our financial partners.
13. Compliance Reviews
Transactions may be subject to KYC, AML, sanctions, fraud, and risk reviews. We or our service providers may request additional information concerning you, the recipient, the purpose of the transaction, source of funds, or other matters reasonably necessary for legal, regulatory, fraud-prevention, or partner requirements. Transactions may be delayed, rejected, blocked, or canceled as permitted or required by law. Regulatory or law-enforcement reports may be made when required.
14. Third-Party Service Providers
The Services rely on third parties that may include banks, regulated financial institutions, payment processors, acquiring banks, card networks, money-transmission providers, identity-verification providers, compliance providers, foreign-exchange providers, payout networks, and technology providers. Certain Services may be subject to additional third-party agreements, disclosures, privacy notices, or consents presented to you when applicable.
15. Finvenit Technology Infrastructure
The Company uses technology and payment infrastructure supplied by Finvenit LLC (“Finvenit”) to support certain components of the Services, which may include transaction orchestration, integrations, compliance technology, payment connectivity, and related infrastructure.
Unless expressly disclosed otherwise for a particular Service, Finvenit acts as a technology and infrastructure service provider to the Company. Finvenit is not the merchant from whom you purchase the Company’s Services and does not independently establish the customer-facing fees charged by the Company.
16. Brale Services and End-User Agreement
Certain financial infrastructure and money-movement functionality available through the Services may be provided by Brale Inc. (“Brale”), NMLS ID #2376957.
Where a Brale account or Brale-provided service is used in connection with your account or transaction, you will be required to review and accept the applicable Brale End User Agreement and any other Brale disclosures presented to you. Acceptance of the Brale End User Agreement is separate from acceptance of these Terms.
The Company will present the then-current Brale End User Agreement before creating an applicable Brale account or otherwise at the point required by Brale. Brale’s current End User Agreement is available at the link below.
17. No Bank or Deposit Relationship
Unless expressly stated otherwise, use of the Services does not establish a bank or deposit account with the Company. The Company is not a bank. Banking or other regulated financial services, where applicable, are provided by the financial institutions or regulated providers identified in the applicable disclosures. Deposit-insurance coverage applies only when expressly disclosed and subject to applicable law.
18. Privacy
Our collection, use, disclosure, retention, and protection of personal information is governed by our Privacy Policy. Third-party service providers may separately process information under their own privacy notices. Where Brale services apply, Brale’s privacy practices are governed by Brale’s then-current privacy policy.
19. Electronic Communications
You consent to receive agreements, disclosures, transaction receipts, notices, and other communications electronically to the extent permitted by applicable law. You are responsible for maintaining accurate contact information. Additional electronic-consent disclosures may be presented where required.
20. Suspension and Termination
We may suspend, restrict, or terminate access when you violate these Terms; we reasonably suspect fraud or unlawful activity; required information cannot be verified; action is required by law, regulators, financial institutions, payment networks, or service providers; your activity creates material compliance, fraud, security, or financial risk; or the applicable Service is discontinued. Termination does not eliminate obligations arising from transactions initiated before termination.
21. Service Availability
The Services are provided on an “as available” basis. Processing and delivery times may be affected by financial institutions, payment networks, payout providers, weekends, holidays, compliance reviews, recipient institutions, telecommunications systems, and events outside our reasonable control. Estimated delivery times are not guarantees except where applicable law provides otherwise.
22. Disclaimer of Warranties
To the maximum extent permitted by law, the Services are provided “as is” and “as available.” We disclaim warranties not expressly provided in these Terms, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the extent such warranties may legally be disclaimed. Nothing in these Terms excludes warranties or consumer rights that cannot lawfully be excluded.
23. Limitation of Liability
To the maximum extent permitted by applicable law, the Company and its affiliates, officers, employees, agents, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the Services. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited, including rights or remedies under applicable consumer-protection or money-transfer laws.
24. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless the Company and its affiliates from claims, losses, damages, liabilities, and reasonable expenses resulting from your unlawful use of the Services, material violation of these Terms, fraud, or violation of another person’s rights. This provision does not limit non-waivable consumer rights.
25. Intellectual Property
The Services, software, designs, trademarks, logos, text, interfaces, and other proprietary materials are owned by the Company or its licensors. You receive a limited, revocable, non-exclusive, non-transferable right to use the Services for their intended purpose. You may not copy, modify, reverse engineer, distribute, sell, sublicense, or commercially exploit the Services except as permitted by law or expressly authorized in writing.
26. Governing Law and Venue
These Terms are governed by the laws of Georgia, without regard to conflict-of-law principles, except where applicable federal law or mandatory consumer-protection law provides otherwise.
27. Changes to These Terms
We may update these Terms from time to time. Where required by law, we will provide notice before material changes become effective. The current version will be made available through the Company’s website or application and will identify its effective date.
28. Severability
If any provision is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the maximum extent permitted by law.
29. Entire Agreement
These Terms, together with the Privacy Policy and applicable transaction-specific disclosures, consents, and agreements presented to you, constitute the applicable agreement between you and the Company regarding the Services. If a legally required transaction-specific disclosure conflicts with these Terms, the required disclosure controls for that transaction.
30. Contact Information
- Paymerch LLC
- Privacy/Support Email: [email protected]
- Telephone: +1 (505) 630-0042
- Website: https://paymerch.us/
Additional regulatory complaint information, where required, will be provided in the applicable transaction receipt or disclosure.