Terms of Service

1. The agreement

These Terms of Service (“Terms”) are a binding agreement between you and Paysum (“Paysum”, “we”, “us”). They govern your use of our websites, dashboard, storefronts, checkout, APIs, Discord bots and related services (together, the “Service”).

By creating an account, opening a store, making a purchase or otherwise using the Service, you agree to these Terms and to the policies they reference: the Privacy Policy, Acceptable Use Policy, Refund Policy, Cookie Policy and, for sellers, the Data Processing Agreement. If you use the Service for a company, you confirm you may bind it, and “you” includes that company.

If you don’t agree, don’t use the Service.

2. Definitions

• Seller: a person or business with an account that operates a store on the Service.
• Buyer: anyone who browses or buys from a store.
• Store: a seller’s storefront, checkout and related pages, on our domain or a custom domain.
• Products: digital goods and services sold in a store, such as license keys, files, software licenses, Discord roles and other digital access.
• Seller Content: everything a seller or their team uploads or configures, including product listings, images, files, keys, themes, policies and messages.
• Payment Provider: a third party that processes payments for a store, such as Stripe, PayPal or a crypto payment service.

3. Eligibility and accounts

To open an account you must be at least 18 years old and able to enter a binding contract. You agree to:

• give accurate, current information and keep it up to date;
• keep your password and API keys confidential, and enable the security features available to you;
• tell us without delay at [email protected] if you suspect unauthorized access;
• not share accounts, and not open a new account after we have suspended or terminated yours.

You are responsible for everything done through your account, including by team members and API keys you create. Sellers use the Service in the course of their business and are not consumers in their relationship with us.

4. The Service

Paysum is software that lets sellers run an online store for digital products: storefronts and themes, product and stock management, checkout connected to the seller’s own Payment Providers, automatic delivery, Discord integrations, fraud rules, analytics and developer APIs.

We improve the Service continuously and may add, change or remove features. If a change materially reduces a paid feature you rely on, we will give reasonable notice. Features marked beta or preview are provided as they are and may change or end at any time.

5. Seller responsibilities

Each store is run by its seller, not by us. The seller is the merchant: the contract of sale for a product is between the seller and the buyer. We provide the software and are not a party to that contract, and we are not the merchant of record for store sales unless we expressly agree otherwise in writing.

As a seller you are solely responsible for:

• having every right and license needed to sell and deliver your products;
• accurate product descriptions, prices, system requirements and stock;
• delivering what you sell, supporting your buyers and honoring your own refund and warranty terms;
• complying with all laws that apply to your business, including consumer protection, e-commerce, tax, export control, sanctions and data protection law;
• for buyers in the EU and UK, giving the information consumer law requires and, where you rely on it, obtaining the buyer’s express consent and acknowledgment that the right of withdrawal is lost once digital content is delivered;
• calculating, collecting, reporting and paying any taxes due on your sales, including VAT;
• publishing your own store terms, refund policy and privacy notice for buyers;
• keeping your Payment Provider accounts in good standing and following their terms.

You must follow the Acceptable Use Policy. You process buyer personal data as a controller, and we process it for you as your processor under the Data Processing Agreement, which forms part of these Terms.

6. Buyers

When you buy from a store you buy from that store’s seller. The seller is responsible for the product, its delivery, support and refunds. Read the store’s own terms before you buy.

If a seller doesn’t resolve a problem, you can contact us or report the store. We may investigate and act under these Terms, but we cannot guarantee any outcome or issue refunds for a seller unless we are required to by law. Nothing in these Terms limits the rights you have as a consumer under the law of the country you live in.

7. Payments and fees

Store payments

Store payments are processed by Payment Providers that the seller connects, under accounts the seller holds and the provider’s own terms. Funds from card and PayPal payments go directly from the provider to the seller; we never hold them. We are not a bank, payment institution or money transmitter.

Platform fees

Plans, transaction fees and withdrawal fees are listed on the pricing page. Fees are charged as described there and in your dashboard, and are exclusive of taxes unless stated otherwise.

Subscriptions

Paid plans are billed in advance through Stripe and renew automatically for the same period until you cancel. You can cancel at any time in your dashboard; the plan stays active until the end of the paid period. We will give at least 30 days’ notice of a price increase, which applies from your next renewal. Refunds are covered by the Refund Policy.

If a payment fails we may retry it and, after notice, move your account to the Free plan. Features above the Free plan’s limits may then be disabled.

8. Crypto wallets and balances

Sellers can accept cryptocurrency through store wallets that we generate and manage for them. Payments to those wallets are credited to the seller’s balance and can be withdrawn, manually or automatically, to an address the seller provides. By using store wallets you agree that:

• we hold the wallet keys in encrypted form to operate the wallets; balances are not bank deposits, earn no interest and are not covered by any deposit-guarantee scheme;
• withdrawal fees on the pricing page and blockchain network fees are deducted from withdrawals;
• blockchain transactions are irreversible. You are responsible for entering the correct withdrawal address and network; we cannot recover funds sent to a wrong address;
• we may delay, hold or refuse a withdrawal where we reasonably suspect fraud, a security incident, a sanctions issue or a breach of these Terms, or where the law or an authority requires it, and we will tell you unless we are legally prevented from doing so;
• crypto values are volatile, and we are not responsible for changes in value while funds are held or in transit.

Store credit and gift cards are issued by the seller to their buyers. The seller is responsible for honoring them.

9. Fraud, chargebacks and disputes

Chargebacks, disputes and reversals are handled between the seller, the buyer and the Payment Provider, and any amounts or fees they impose are the seller’s responsibility. Fraud Shield and similar tools apply rules the seller configures. They reduce risk but cannot detect every fraudulent order.

We may share order and account information with a Payment Provider, the seller, the buyer or the authorities where needed to investigate fraud or resolve a dispute, as described in the Privacy Policy.

10. Content and intellectual property

You keep ownership of your Seller Content. You grant us a worldwide, non-exclusive, royalty-free license to host, copy, process, display and distribute it only as needed to operate, secure and improve the Service and to show your store in our marketing where you have made it public. This license ends when the content is deleted, except for copies kept in backups for a limited time or where the law requires us to keep them.

The Service, our software, themes, documentation and brand are owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service under these Terms. You may not copy, resell, reverse engineer or create derivative works of the Service except as the law expressly allows.

If you send us feedback or suggestions, we may use them without obligation to you. Copyright complaints are handled under our Copyright and DMCA Policy.

11. Third-party services

The Service connects to services we don’t control, including Payment Providers, Discord, license systems such as KeyAuth, domain registrars and OAuth sign-in providers. Your use of them is governed by their terms. We are not responsible for their availability, actions or changes, though we will do what we reasonably can to keep integrations working.

12. Suspension and termination

You can close your account at any time by cancelling your plan and emailing [email protected]. We may restrict, suspend or terminate an account, store, product or withdrawal where:

• you materially breach these Terms or the Acceptable Use Policy;
• we reasonably suspect fraud, illegal activity or a security risk;
• a Payment Provider, court or authority requires it; or
• you have not paid fees that are due after notice.

For sellers, we will give a statement of reasons when we restrict or suspend a store. Before terminating a seller account we will give at least 30 days’ notice with reasons, unless the law requires immediate action, the seller has repeatedly breached these Terms, or there is a serious risk to buyers, other sellers or the Service. You can contest any decision by replying to our notice or writing to [email protected]; we will review it and respond.

For 30 days after termination you can ask us for a copy of your store data, after which we delete it as described in the Privacy Policy. Crypto balances that are not subject to a lawful hold will be paid out to an address you provide. Sections that by their nature should survive termination do so.

13. Disclaimers

We provide the Service with reasonable skill and care, but to the extent the law allows, it is provided “as is” and “as available”. We do not promise that it will be uninterrupted or error-free, that it will meet every requirement you have, or that it will achieve any particular sales result. We are not responsible for products sold by sellers, or for the acts of sellers, buyers or third parties.

14. Limitation of liability

To the extent the law allows:

• neither party is liable for indirect or consequential loss, or for loss of profits, revenue, goodwill or data that could have been prevented by reasonable backups;
• our total liability arising out of or relating to the Service in any 12-month period is limited to the greater of the fees you paid us in that period and EUR 100.

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud, for intentional misconduct or gross negligence, or any other liability that cannot be limited by law, and nothing affects your mandatory rights as a consumer.

15. Indemnity

Sellers will defend and indemnify us against third-party claims, fines and reasonable costs arising from their products, Seller Content, sales, taxes or breach of these Terms or the law, except to the extent caused by our own breach. We will notify you promptly of a claim and let you control its defense, without settling it in a way that admits fault on our behalf without our consent.

16. Changes to these Terms

We may update these Terms to reflect changes to the Service, the law or our business. We will notify sellers by email or in the dashboard at least 15 days before a material change takes effect (30 days for changes that reduce your rights), except where a shorter period is required by law or to address an unforeseen security risk. If you don’t agree, you may close your account before the change takes effect. Continuing to use the Service after that date means you accept the updated Terms.

17. Governing law and disputes

These Terms are governed by the laws of the country in which the operator of the Service is registered, and its courts have jurisdiction over disputes arising from them. If you are a consumer, you also keep the protection of the mandatory laws of your country of residence and may bring proceedings in its courts.

Before starting proceedings, please contact [email protected] so we can try to resolve the dispute informally within 30 days.

18. General

• These Terms and the policies they reference are the entire agreement between us about the Service.
• If a provision is found unenforceable, the rest remains in effect.
• Not enforcing a right is not a waiver of it.
• You may not transfer your rights under these Terms without our consent. We may transfer them in connection with a merger, acquisition or sale of assets, with notice to you.
• Neither party is liable for delays caused by events beyond its reasonable control.
• These Terms are written in English. Translations are for convenience, and the English version prevails.

19. Contact

Questions about these Terms: [email protected]. For help with your store: [email protected].