Terms of Service

1. Nature of Services

1.1 Consulting and Referral Services

Paytrinsic provides merchant services consulting and referral services. We help businesses identify appropriate payment processing solutions and facilitate introductions to payment processors and acquiring banks ("Processing Partners").

1.2 Paytrinsic Is Not a Payment Processor

1.3 Direct Relationship with Processing Partners

When you engage a Processing Partner through our referral services:

• You will enter into a direct agreement with the Processing Partner
• Paytrinsic is not a party to your processing agreement
• All processing terms, fees, and conditions are determined by the Processing Partner
• The Processing Partner makes all underwriting, approval, and termination decisions

2. Our Role and Limitations

2.1 What Paytrinsic Does

• Consults with you to understand your payment processing needs
• Recommends suitable Processing Partners based on your business requirements
• Facilitates introductions to Processing Partners
• Provides ongoing account relationship support and liaison services
• Assists with communication between you and Processing Partners

2.2 What Paytrinsic Does Not Do

• Process credit card or debit card transactions
• Hold, transfer, or have access to your funds
• Make decisions regarding account approval or denial
• Set processing rates, fees, or reserve requirements
• Control transaction settlement timing or funding
• Make decisions to suspend, limit, or terminate your processing account
• Guarantee approval by any Processing Partner

3. Your Responsibilities

3.1 Accurate Information

You agree to provide accurate, complete, and current information about your business when engaging our consulting services. This includes information about your business model, processing history, and any previous account terminations or compliance issues.

3.2 Processing Partner Agreements

You are solely responsible for:

• Reviewing and understanding any agreements with Processing Partners
• Complying with all terms and conditions of your Processing Partner agreement
• Meeting all compliance requirements, including PCI DSS standards
• Paying all fees owed to Processing Partners
• Managing chargebacks, disputes, and refunds per your Processing Partner's requirements

3.3 Prohibited Activities

You agree not to use our services in connection with any business or activity that violates applicable laws, card network rules, or Processing Partner policies.

4. Fees

4.1 Consulting Fees

Any fees for Paytrinsic's consulting services will be disclosed and agreed upon before services are rendered. Our consulting fees are separate from any fees charged by Processing Partners.

4.2 Processing Partner Fees

All processing fees, interchange costs, assessment fees, chargeback fees, and other transaction-related fees are determined by and payable to your Processing Partner, not Paytrinsic. Please review your Processing Partner agreement for complete fee information.

4.3 Referral Compensation

Paytrinsic may receive referral compensation or residual payments from Processing Partners. This compensation does not affect the fees you pay to the Processing Partner and does not create any obligation on your part to Paytrinsic beyond these Terms.

5. Ongoing Support Services

Subject to your Processing Partner's approval, Paytrinsic may provide ongoing support services including:

• Account relationship management
• Liaison services between you and your Processing Partner
• Assistance with questions about your processing account
• Guidance on optimizing your payment processing setup

These support services do not give Paytrinsic any authority to make decisions on behalf of the Processing Partner or to modify your processing agreement.

6. Disclaimers

6.1 No Guarantee of Approval

Paytrinsic does not guarantee that any Processing Partner will approve your merchant account application. Approval decisions are made solely by the Processing Partner based on their underwriting criteria.

6.2 No Control Over Processing

Paytrinsic has no control over and assumes no responsibility for the actions, policies, or decisions of Processing Partners, including but not limited to account holds, reserve requirements, settlement delays, or account terminations.

6.3 Services Provided "As Is"

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

7. Limitation of Liability

To the maximum extent permitted by law:

• Paytrinsic shall not be liable for any actions, decisions, or omissions of Processing Partners
• Paytrinsic shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Paytrinsic's total liability for any claims arising from our services shall not exceed the fees you have paid to Paytrinsic in the twelve (12) months preceding the claim
• Paytrinsic shall not be liable for any losses related to transaction processing, fund holds, chargebacks, or account terminations by Processing Partners

8. Indemnification

You agree to indemnify, defend, and hold harmless Paytrinsic, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your breach of these Terms
• Your violation of any law or regulation
• Your breach of any agreement with a Processing Partner
• Any disputes between you and your Processing Partner
• Any third-party claims related to your business operations or payment processing

9. Termination

9.1 Termination by You

You may terminate your relationship with Paytrinsic at any time by providing written notice. Termination of your relationship with Paytrinsic does not affect your agreement with any Processing Partner.

9.2 Termination by Paytrinsic

Paytrinsic may terminate our services to you at any time with or without cause upon reasonable notice. We may terminate immediately if we believe you have violated these Terms or engaged in fraudulent or illegal activity.

9.3 Effect of Termination

Upon termination, Paytrinsic will have no further obligation to provide services to you. Your agreements with Processing Partners remain in effect according to their terms.

10. Confidentiality

Paytrinsic will maintain the confidentiality of your business information and will not disclose it to third parties except as necessary to provide our services, as required by law, or with your consent. You agree to maintain the confidentiality of any proprietary information shared by Paytrinsic or Processing Partners.

11. Dispute Resolution

11.1 Disputes with Processing Partners

Any disputes related to payment processing, fees, fund holds, or account actions must be resolved directly with your Processing Partner according to the dispute resolution provisions in your processing agreement. Paytrinsic may assist as a liaison but cannot resolve such disputes.

11.2 Disputes with Paytrinsic

Any disputes arising from these Terms or Paytrinsic's consulting services shall be resolved through binding arbitration administered by the American Arbitration Association in Palm Beach County, Florida. You agree to waive any right to participate in class action lawsuits against Paytrinsic.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

13. Changes to Terms

Paytrinsic reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Paytrinsic regarding our consulting and referral services and supersede all prior agreements and understandings.

16. Contact Information

For questions about these Terms of Service, contact us: