Last Updated: 01.01.2025

ezPayments is a financial technology payments platform, not a delivery, logistics, or marketplace service. ezPayments does not transport goods, provide delivery services, or employ drivers.

• ezPayments is not a bank.
• Banking and custodial services are provided by regulated partner financial institutions.
• Card payment processing and marketplace payouts are provided through Stripe, Inc. and Stripe Connect, or equivalent licensed payment processors.
• Certain payout services may involve digital assets (stablecoins), subject to eligibility, jurisdictional restrictions, and enhanced compliance controls.

By accessing or using the ezPayments platform, you agree to these Terms of Use and the Privacy Policy below.

You represent and warrant that:

• You are at least eighteen (18) years old and legally capable of entering into binding contracts;
• You will use the ezPayments platform solely for lawful payment, payout, and financial operations;
• You will comply with all applicable laws, including U.S. federal and state laws governing payments, money transmission, AML/KYC, sanctions (OFAC), tax reporting, and data protection.

You may not use the platform for fraud, money laundering, terrorist financing, sanctions evasion, or any prohibited or high-risk activity.

To access payment or payout functionality, you must successfully complete identity and/or business verification.

ezPayments, Stripe, and their compliance partners may collect and verify:

• Government-issued identification;
• Business formation and ownership information (for merchants);
• Bank account or wallet details;
• Ongoing transaction monitoring and sanctions screening.

You authorize ezPayments and its partners to perform KYC, KYB, AML, sanctions screening, and fraud monitoring as required by law.

Failure to complete or maintain verification may result in account suspension, payout delays, or termination.

ezPayments enables merchants and platforms to accept payments from customers via supported payment methods, including credit cards, ACH, RTP/FedNow (where available), and other methods enabled by Stripe.

All card payments are processed by Stripe in accordance with PCI-DSS requirements.

• Customer payments are first received by Stripe or partner financial institutions.
• Funds are settled and made available for payout subject to:
  • Verification status;
  • Fraud, dispute, or compliance reviews;
  • Stripe settlement timelines.

Payout timing is not guaranteed and may be delayed for regulatory or risk reasons.

Stablecoin payouts, where enabled, are subject to the following conditions:

• Stablecoin payouts are permitted only for verified individuals (natural persons), not merchants or business entities;
• Availability depends on jurisdiction, regulatory permissions, and risk assessment;
• Stablecoin payouts may require enhanced identity verification and wallet ownership validation;
• ezPayments does not provide investment advice or guarantee stablecoin value.

Stablecoin services may be modified, restricted, or discontinued at any time due to regulatory changes.

Applicable platform, processing, and payout fees are disclosed:

• During onboarding;
• In your dashboard; or
• In a separate commercial agreement.

Fees may include Stripe processing fees, payout fees, FX fees, and chargeback fees.

• Merchants are responsible for customer refunds unless otherwise agreed.
• Chargebacks, disputes, reversals, and ACH returns may result in:
  • Immediate debits;
  • Negative balances;
  • Reserves or account holds.

You authorize ezPayments and Stripe to recover disputed amounts and associated fees.

ezPayments uses industry-standard administrative, technical, and physical safeguards.

• Cardholder data is processed exclusively by PCI-DSS compliant providers (including Stripe);
• ezPayments does not store full card numbers;
• Users may not store, transmit, or process card data outside approved systems.
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You may not use ezPayments for:

• Illegal goods or services;
• Gambling, adult content, or restricted industries without written approval;
• Sanctioned countries, individuals, or entities;
• Cryptocurrency mixing, tumbling, or anonymity-enhancing services;
• Any activity intended to evade financial regulation.

We may immediately suspend or terminate access for:

• Regulatory or compliance risk;
• Suspected fraud or illegal activity;
• Breach of these Terms or Stripe policies.

Outstanding obligations survive termination.

Services are provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, ezPayments disclaims all implied warranties and limits liability for indirect, incidental, or consequential damages.

These Terms are governed by the laws of the State of New York, United States.

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