Terms of Service

Last Updated: June 26, 2026

Welcome to NfcPay. By accessing or using our website, mobile applications, APIs, or any related services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.

1. Description of Service

NfcPay provides a Software-as-a-Service (SaaS) cloud bridge that transmits encrypted NFC (Near Field Communication) signals between devices. We act purely as a data conduit.

We Are Not a Payment Processor

NfcPay is not a bank, payment gateway, or Merchant of Record. We do not process, settle, or manage funds. The actual financial transaction occurs strictly between your physical POS terminal and your acquiring bank.

2. Merchant Responsibilities

As a user (Merchant) of NfcPay, you agree to the following obligations:

  • Legal Authorization: You represent and warrant that you have the explicit legal right and authorization from the cardholder to charge their card.
  • Chargebacks: You are solely responsible for any disputes, refunds, chargebacks, or fees imposed by your acquiring bank or the card networks (Visa, Mastercard, etc.).
  • Compliance: You must comply with all local laws, EMV regulations, and PCI-DSS standards applicable to your business.

3. Prohibited Activities

You may not use NfcPay for any illegal or unauthorized purpose. The following activities are strictly prohibited and will result in immediate account termination without refund:

  • Processing transactions for illicit, illegal, or heavily restricted goods and services.
  • Money laundering, card testing, or any form of financial fraud.
  • Attempting to reverse-engineer, hack, or disrupt the NfcPay cloud infrastructure.

4. Limitation of Liability

To the maximum extent permitted by law, NfcPay and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to:

"As-Is" Service Provision

Loss of profits, loss of data, or business interruption resulting from network outages, API latency, or failure of your POS machine. The service is provided on an "AS-IS" and "AS-AVAILABLE" basis.

5. Termination

We reserve the right to suspend or terminate your access to NfcPay immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease.