PayBridge Technologies Terms of Service

Last Updated on 7/23/2024

Introduction

This Terms of Service Agreement ("Agreement") is a legally binding contract between you ("User") and PayBridge Technologies ("Company," "we," "our," or "us"). This Agreement governs your use of our payment processing application ("Application") that facilitates transactions through various payment platforms, including but not limited to PayPal, Cash App, and Venmo.

By using our Application, you automatically agree to the terms of service and user agreements of PayPal, Cash App, and Venmo. By using our Application, you automatically agree to comply with and be bound by the terms and conditions of this Agreement. If you do not agree with these terms, do not use the Application.

1. Use of the Application

1.1 Eligibility

You must operate a verified PayPal, Cash App, or Venmo account to use our Application. By using the Application, you represent and warrant that you meet these requirements.

1.2 Account Registration

To use the Application, you may be required to create an account. You agree to provide accurate and complete information during the registration process and to keep your account information up-to-date. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

1.3 User Responsibility for Transaction Details

You are solely responsible for ensuring the accuracy of all transaction details, including but not limited to your platform usernames, recipient usernames, amounts, and any other required information. If you input incorrect information and the transaction proceeds, it will be considered final and irreversible. We are not liable for any losses incurred due to user error in entering transaction details. While you may attempt to dispute a transaction, once it has been completed, we cannot guarantee any refund or reversal.

1.4 Account Bans

To use our payment services, you must create an account with accurate personal information. You are responsible for maintaining account security. We may suspend or terminate your account for any violations.

2. Transactions

2.1 Payment Services

The Application enables you to submit and process payments through third-party payment processors, including PayPal, Cash App, and Venmo. You acknowledge that we do not process payments directly and that all transactions are subject to the terms and conditions of the respective payment processors.

2.2 Transaction Accuracy

You are responsible for ensuring the accuracy of all transaction details, including the recipient's information, the transaction amount, and any other pertinent details. We are not liable for any errors or losses resulting from inaccurate or incomplete transaction information provided by you.

2.3 Transaction Limits

Your transactions may be subject to limits imposed by us or the third-party payment processors. These limits may be adjusted based on various factors, including regulatory requirements and risk assessments.

2.4 Payments

Our services allow you to send and receive payments through various methods like bank accounts, debit/credit cards, and third-party payment processors. Applicable fees may apply.

3. Fees

3.1 Service Fees

We may charge fees for certain transactions or services provided through the Application. Any applicable fees will be disclosed to you prior to the completion of the transaction. By completing the transaction, you agree to pay the disclosed fees. No PayBridge service fees will be undisclosed or hidden from you.

3.2 Third-Party Vendor Fees

You acknowledge that the third-party payment processors may charge additional fees for transactions conducted through their platforms. These fees are governed by the terms and conditions of the respective payment processors. By using our Application, you automatically agree to any terms of service and user agreements of those respective payment processors. It's important to understand that these platform fees are charged to businesses like us by PayPal, Cash App, and Venmo, and do not benefit PayBridge directly.
PayPal charges 2.99% of the transaction amount
Cash App charges 2.75% of the transaction amount
Venmo charges 1.9% of the transaction amount plus $0.10

3.3 Pricing Breakdown

For transaction amounts under $25, the fee is $0.25 per transaction plus any additional platform fees.
For amounts over $25, the fee is 1% of the transaction amount (capped at $25) plus any additional platform fees.

4. User Conduct

4.1 Prohibited Activities

You agree not to engage in any of the following prohibited activities:
Using the Application for any illegal or unauthorized purpose
Attempting to gain unauthorized access to other users' accounts or our systems
Engaging in fraudulent or deceptive practices
Violating any applicable laws or regulations in the United States regarding financial activities
You may not use our services for any illegal or unauthorized purposes. This includes fraud, money laundering, funding illegal activities, or violating intellectual property rights.

4.2 Termination

We reserve the right to suspend or terminate your access to the Application at our sole discretion if we believe you have violated this Agreement or engaged in any prohibited activities.

5. Privacy

Your use of the Application is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Application, you consent to the practices described in our Privacy Policy.

6. Disclaimers and Limitation of Liability

6.1 Disclaimers

The Application is provided on an “as-is” and “as-available” basis. We make no warranties, express or implied, regarding the Application's operation or the information, content, or materials included therein. We disclaim all warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose.

6.2 Limitation of Liability

In no event shall we be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Application. Our total liability to you for any claims arising from your use of the Application shall not exceed the amount paid by you, if any, for accessing and using the Application.

6.3 Account Loss

We are not responsible for any losses in account access or imposed limits for PayPal, Cash App, and Venmo. We are also not responsible for recovering these accounts of these services.

7. Intellectual Property and Dispute Resolution

7.1 Intellectual Property

Our services are protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our services.

7.2 Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of our service at any time. We are not liable to you or any third party for any such modifications, suspension, or discontinuation. A notice will be provided in that scenario.

7.3 Dispute Resolution

Any disputes arising from or relating to these Terms of Service or our services shall be resolved through binding arbitration in accordance with PayBridge Technologies.

8. Changes to the Agreement

We may modify this Agreement from time to time. We will notify you of any changes by posting the revised Agreement on the Application and updating the “Last Updated” date. Your continued use of the Application after any such changes constitutes your acceptance of the new terms.

These Terms of Service constitute the entire agreement between you and us regarding our services and supersede any prior agreements. By using our payment services, you agree to these Terms of Service. We may modify these terms at any time, and your continued use of our services following any changes constitutes your acceptance of the revised terms.

Contact Us

If you have any questions about our Terms of Service, please contact us:

Email: [email protected] or [email protected]

Phone: +1 (636) 735-3669


By using our Application, you agree to the Terms of Service stated above. If you do not agree with the terms, please do not use our Application.