Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the payment processing services provided by PayzMoon LLC ("PayzMoon," "we," "us," or "our"). By accessing or using our services, you ("Merchant," "you," or "your") agree to be bound by these Terms. If you do not agree to these Terms, you may not use our services.

PayzMoon LLC is a payment gateway and processing service provider specializing in high-risk merchant accounts. We facilitate electronic payment transactions between merchants and their customers across a variety of industries.

2. Service Description

PayzMoon provides high-risk payment processing services, including but not limited to:

• Credit and debit card payment processing
• Payment link generation and management
• API-based payment integration
• Real-time transaction monitoring and reporting
• Webhook notifications for transaction events
• Multi-currency payment acceptance
• Fraud detection and prevention tools
• Chargeback management and representment services

Our services are designed for businesses operating in the adult entertainment and dating industries, including but not limited to adult websites, content platforms, dating apps and websites, cam and live streaming services, escort directories, fan/creator platforms, and other 18+ digital services.

3. Merchant Obligations

As a merchant using PayzMoon services, you agree to:

• Provide accurate and complete information during the application and onboarding process
• Maintain valid and current business licenses and permits required for your industry
• Comply with all applicable laws, regulations, and card network rules
• Not process transactions for illegal goods or services
• Implement reasonable security measures to protect customer payment data
• Promptly respond to chargeback notifications and provide required documentation
• Notify PayzMoon of any material changes to your business, including changes in ownership, business model, or product offerings
• Maintain a chargeback ratio below the thresholds established by card networks
• Display clear refund and cancellation policies on your website
• Provide accurate product descriptions and pricing to your customers

4. Fees and Commission

PayzMoon charges fees for its payment processing services as follows:

• Commission Rate: Starting at 10% per successful transaction. Your specific rate will be detailed in your Merchant Agreement and may vary based on industry, volume, and risk assessment.
• Setup Fees: Setup fees may apply depending on the account type and risk profile. Details will be provided during the application review process.
• Monthly Fees: Monthly account maintenance fees, if applicable, will be specified in your Merchant Agreement.
• Chargeback Fees: A fee will be assessed for each chargeback received, as outlined in your Merchant Agreement.
• Refund Processing: Commission fees on refunded transactions are non-refundable unless otherwise specified.

Volume-based discounts may be available for merchants processing higher transaction volumes. Contact your account manager for details. PayzMoon reserves the right to modify fee structures with 30 days written notice.

5. Chargebacks and Disputes

Chargebacks occur when a cardholder disputes a transaction with their issuing bank. You acknowledge and agree that:

• You are responsible for all chargebacks related to your transactions
• PayzMoon will debit your account for the full amount of any chargeback plus applicable fees
• You must respond to chargeback notifications within the timeframe specified (typically 7-10 business days)
• PayzMoon may assist with chargeback representment but does not guarantee outcomes
• Excessive chargeback ratios (generally above 1% of transactions) may result in increased fees, reserve requirements, or account termination
• PayzMoon may implement preventive measures, including transaction holds, if chargeback ratios approach network thresholds

6. Reserve Funds

PayzMoon may require the establishment of a reserve fund to mitigate risk. Reserve requirements may include:

• Rolling Reserve: A percentage of each transaction (typically 5-10%) held for a specified period (usually 90-180 days)
• Upfront Reserve: A lump sum deposited before processing begins
• Capped Reserve: Funds held until a predetermined amount is reached

Reserve requirements are determined based on your industry, processing history, chargeback rates, and overall risk assessment. PayzMoon reserves the right to adjust reserve requirements at any time with reasonable notice. Reserve funds will be released according to the schedule outlined in your Merchant Agreement.

7. Termination

Either party may terminate this agreement as follows:

• By Merchant: You may terminate at any time by providing 30 days written notice. You remain responsible for all transactions processed prior to termination and any outstanding chargebacks.
• By PayzMoon: We may terminate or suspend your account immediately if you breach these Terms, exceed chargeback thresholds, engage in fraudulent activity, or if required by law or card network rules. We may also terminate with 30 days notice for any reason.

Upon termination, any reserve funds will be held for a minimum of 180 days to cover potential chargebacks and disputes, unless otherwise agreed in writing. Outstanding fees and obligations survive termination.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

• PayzMoon shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services
• PayzMoon's total liability for any claim arising from these Terms shall not exceed the total fees paid by you to PayzMoon in the twelve (12) months preceding the claim
• PayzMoon is not liable for losses resulting from unauthorized access to your account due to your failure to maintain adequate security
• PayzMoon is not liable for service interruptions caused by events beyond our reasonable control, including but not limited to natural disasters, infrastructure failures, or actions of third-party service providers

The services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Wilmington, Delaware. Each party shall bear its own costs and attorney's fees in any dispute resolution proceeding.

10. Modifications

PayzMoon reserves the right to modify these Terms at any time. We will notify you of material changes via email or through our platform at least 30 days before the changes take effect. Your continued use of our services after such notification constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of our services.

11. Contact Information

If you have questions about these Terms of Service, please contact us at: