Talk to sales
Legal

Terms of Use

1. About these Terms

These Terms of Use and Service Terms ("Terms") govern your use of the StarPago website and, together with your merchant agreement, your use of StarPago services. StarPago is a payment acceptance brand of AIDeeGroup. The services are provided by Star Pay Tecnología, S.A. de C.V., registered at Calle Lago Alberto 320, Int. 06B 601, Col. Granada, Alcaldía Miguel Hidalgo, C.P. 11520, Ciudad de México, México, or by the affiliate named in your merchant agreement ("StarPago", "we", "us", "our").

"You" means the business that uses or applies to use our services, and any person who uses our website. If you accept these Terms on behalf of a business, you confirm that you are authorised to bind it.

Relationship with your merchant agreement. Our services are provided only under a signed merchant agreement, which may include a pricing schedule, market and product schedules, data protection terms and other documents. These Terms form part of that agreement. If there is a conflict, the merchant agreement prevails, then these Terms, then our other published policies. If you only browse our website and have no merchant agreement, only sections 1, 2, 16, 17, 18, 19, 20, 21, 22 and 23 apply to you.

2. Definitions

  • Collections: accepting payments from your customers through local payment methods, cards, bank transfers and digital wallets that we make available.
  • Payouts: sending funds on your instructions to local bank accounts or wallets of recipients you designate.
  • Settlement: paying the net proceeds of collections to you, after deductions permitted by these Terms, in USD or USDT at a quoted exchange rate.
  • End user: a person or business that pays you, or that you pay, through our services.
  • Balance: the amount we hold or record as due to you at any time, before or after deductions.
  • Reserve: an amount we hold back from your balance to cover future liabilities, as described in section 7.
  • Dispute: a chargeback, complaint, refund claim, reversal, inquiry or similar claim raised by an end user, a payment partner, a bank or an authority about a transaction.
  • Approved products: the websites, apps, products and business models we have reviewed and approved for use with our services.
  • Credentials: API keys, secrets, certificates, dashboard logins and any other means of accessing the services.

3. Eligibility and onboarding

Our services are for businesses only. To become a merchant you must be a legally registered business, operate in a market we serve, and pass our onboarding review. During onboarding (often called KYB, "know your business") we verify your company, its directors, authorised signatories and ultimate beneficial owners; review your websites, apps and business model; and screen relevant persons against sanctions and anti-money laundering lists. We may ask for further information at any time during the relationship.

We decide whether to accept a business, and which markets, methods and limits to make available, at our discretion and in line with our risk policies and the requirements of our partners.

Each product requires approval. Every website, app or product you want to use with our services must be reviewed and approved before it goes live. You must not process transactions for any product that we have not approved, and you must tell us before you make material changes to an approved product or business model.

4. Our services

Subject to your merchant agreement, we may provide:

  • Collections through local payment methods, cards, bank transfers and digital wallets.
  • Payouts to local bank accounts and wallets.
  • Settlement and conversion of collected funds into USD or USDT at a quoted rate.

Our markets currently include Brazil, Mexico, Colombia, Chile, Peru and Argentina in Latin America, and the Philippines, Indonesia, Pakistan, Bangladesh and India in Asia. The specific markets, payment methods, currencies, limits and settlement options available to you are those confirmed in writing at onboarding, and may differ from what is shown on our website. Availability can change because of partner, scheme or regulatory requirements.

Business accounts and standalone currency exchange are not StarPago services. Where offered, they are provided by our sister brand DeePayment under its own terms.

Some services are delivered through banks, payment institutions and other licensed partners in each market. Where a partner's rules apply to a transaction, you agree to comply with them as we notify you.

5. Fees and quotes

You agree to pay the fees set out in your merchant agreement or in a written quote we have accepted. Any prices shown on our website, including "from" prices, are indicative only. They do not form an offer, and your actual pricing depends on your market, payment methods, volumes, business model and risk review.

Unless agreed otherwise, we deduct fees from your balance before settlement. Fees are exclusive of taxes, which you must pay where applicable. We may change fees on [Notice period for fee changes] written notice, unless the change results from a change by a partner, a scheme or the law, in which case we will give as much notice as reasonably possible.

6. Settlement and currency conversion

Exchange rates. Conversion is made at the rate we quote or confirm for the relevant settlement, which includes our margin unless agreed otherwise. Reference rates displayed on our website are for information only and are not the rates at which we will settle.

Timing. Our target settlement times are set out in your merchant agreement. In many markets we aim to settle on the same business day. Settlement times are targets, not guarantees, and may be affected by banking hours, public holidays, partner processing, compliance reviews, network congestion or events outside our control.

Settlement details. You must give us accurate settlement bank or wallet details. Changes to settlement details require verification and confirmation by more than one authorised person on your side, and we may delay settlement until a change is verified.

USDT settlement. If you choose to settle in USDT, you accept additional risks, including:

  • the value of USDT may deviate from USD, and the issuer of USDT, not StarPago, is responsible for its reserves and redemption;
  • blockchain transfers are generally irreversible, so funds sent to an incorrect address usually cannot be recovered;
  • network fees, congestion or outages may delay or increase the cost of a transfer;
  • we screen receiving addresses and may refuse or delay settlement to an address that fails our screening;
  • the legal and tax treatment of digital assets varies by country and may change, and you are responsible for your own compliance.

We will only settle USDT to a wallet that you control and that has been verified by us.

7. Reserves, holds and deductions

Reserves. In some markets, or based on your risk profile, we may require an operating reserve calculated as a percentage of your balance or volume, as set out in your merchant agreement or notified to you. We may adjust the reserve if your risk profile, dispute rate or business changes, and we will tell you when we do.

Holds for disputes. When a dispute is raised, we may hold an amount equal to the disputed amount until the dispute is resolved. If the dispute is withdrawn or decided in your favour, we release the held amount.

Other holds. We may suspend settlement or hold funds where we reasonably suspect fraud, a breach of these Terms, unapproved products, or illegal activity; where a partner, scheme or authority requires it; or where we need to complete a compliance review.

Deductions and set-off. We may deduct from your balance or reserve any fees, refunds, dispute amounts, fines or penalties imposed by partners or schemes as a result of your activity, and any other amounts you owe us. If your balance is insufficient, you must pay the shortfall on demand.

8. Chargebacks, refunds and disputes

You are responsible for all disputes relating to your transactions. When we notify you of a dispute, you must respond with the information and evidence we ask for within the time we specify. Response windows are set by each market and payment method and are often short, typically between 8 and 72 hours. If you do not respond in time, the dispute may be decided against you.

You must handle refunds in line with your published refund policy and applicable consumer law. Refunds are processed through the original payment method where possible. You must not process refunds in a way that disguises a different transaction or moves funds to a third party.

If your dispute or fraud rates exceed the thresholds set by us or our partners, we may require corrective action, increase your reserve, apply limits, or suspend the affected products.

9. Prohibited and restricted businesses

You must not use our services for any business or activity listed as prohibited in our Acceptable Use and Restricted Businesses Policy. Restricted businesses may only use our services if they hold all licences required in each market where they operate and have received our separate written approval. That policy forms part of these Terms.

10. Your obligations

  • Accurate information. Provide true, complete and current information during onboarding and throughout the relationship, and tell us promptly about changes in ownership, management, licences, business model or products.
  • Compliance. Comply with all laws that apply to your business, including consumer protection, anti-money laundering, sanctions, tax, licensing and advertising rules, and with any partner or scheme rules we notify to you.
  • Use only for your own approved products. Process only genuine transactions for goods or services you provide through approved products. You must not let any other person use your account or route their transactions through it, and you must not use another person's account or channel to process your transactions.
  • End user information. Clearly show your business name, contact details, prices, terms and refund policy to end users, and inform them that payments are processed by a payment service provider.
  • Data protection. Have a lawful basis and give the required privacy notices for any personal data of end users you send to us, and comply with the data protection terms in your merchant agreement. Our own handling of personal data is described in our Privacy Notice.
  • Payout accuracy. Provide correct recipient details for payouts. We may check that the recipient name matches the account holder, apply limits, and ask for additional confirmation of large payouts before sending them.

11. API, dashboard and credential security

We grant you a limited, non-exclusive, non-transferable and revocable right to use our API, dashboard and documentation during the term of your merchant agreement, solely to use the services. You must:

  • keep credentials confidential and store them securely, rotate them when we ask, and limit access to people who need it;
  • use the security features we provide, such as multi-factor authentication;
  • notify us immediately at [security@...] if you suspect any credential has been compromised or any unauthorised activity;
  • not attempt to probe, scan or test the vulnerability of our systems, interfere with their operation, or reverse engineer them, except as permitted by law.

You are responsible for all instructions given using your credentials, unless they were used without authorisation because of our breach of these Terms. We may suspend credentials to protect you, end users or our services.

12. Intellectual property

We and our licensors own all rights in the services, the website, our software, documentation, and the StarPago name and logos. Except for the limited rights expressly granted in these Terms, no rights are transferred to you. With your prior consent, we may identify you as a customer. We may use your feedback without obligation to you.

13. Confidentiality

Each party will keep the other's non-public business, technical and commercial information confidential, use it only for the purposes of the merchant agreement, and protect it with at least reasonable care. This does not apply to information that is public through no fault of the receiving party, that the receiving party already had or independently developed, or that must be disclosed by law, regulation or an authority, in which case the receiving party will, where lawful, give notice. Our pricing and these service details are our confidential information.

14. Suspension and termination

Termination for convenience. Either party may end the merchant agreement by giving [Notice period for termination] written notice, unless your merchant agreement says otherwise.

Immediate suspension or termination. We may suspend all or part of the services, or end the agreement with immediate effect, if: you breach these Terms or the Acceptable Use Policy; you process transactions for products that are not approved; we reasonably suspect fraud, money laundering or other illegal activity; your dispute or fraud rates are excessive; a partner, scheme or authority requires it; or you become insolvent. Where the law allows, we will tell you the reason.

Final settlement. After termination, we will settle your remaining balance once all pending transactions, disputes, refunds and other liabilities have been resolved, less any amounts you owe us. We may keep a reserve for the period during which new disputes can be raised under the rules of the relevant payment methods, currently up to [Post-termination reserve period]. Where funds are subject to an order or request from an authority, we will deal with them as that authority directs.

Sections that by their nature should survive termination, including those on fees, reserves, disputes, confidentiality, liability and indemnity, will survive.

15. Disclaimer

We will provide the services with reasonable skill and care. Except as expressly stated in your merchant agreement, the services are provided "as is" and "as available". To the extent permitted by law, we do not warrant that the services will be uninterrupted or error-free, that any particular payment method will remain available, or that any transaction will be approved by a partner or scheme. We are not responsible for the acts or omissions of end users, or for delays or failures caused by banks, schemes or networks outside our reasonable control.

16. Limitation of liability

To the extent permitted by law:

  • neither party is liable for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, goodwill or data, however caused;
  • our total liability arising out of or in connection with the services is limited to the fees you paid to us for the services in the [Liability cap period] before the event giving rise to the claim;
  • we are not liable for any loss caused by your use of the website without a merchant agreement.

Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud or wilful misconduct, or your obligation to pay amounts due.

17. Indemnity

You will indemnify and hold harmless StarPago, its affiliates and their personnel against all losses, liabilities, fines, penalties and reasonable costs, including legal fees, arising from: your breach of these Terms or the law; disputes and refunds relating to your transactions; your products, services or dealings with end users; your handling of personal data; and any fines or assessments imposed by partners, schemes or authorities as a result of your activity.

18. Force majeure

Neither party is liable for delay or failure to perform caused by events beyond its reasonable control, such as natural disasters, war, acts of government, changes in law, or failures of banks, payment schemes, blockchain networks or telecommunications. This does not excuse your payment obligations.

19. Governing law and dispute resolution

These Terms are governed by [Governing law]. Any dispute arising out of or in connection with these Terms will be resolved by [Dispute resolution forum and rules], with the seat in [Seat of arbitration or jurisdiction] and in the [Language of proceedings] language. Before starting proceedings, the parties will try in good faith to resolve the dispute through discussion for at least [Negotiation period]. Nothing prevents either party from seeking urgent interim relief from a competent court. Mandatory local laws of the market where a service is provided may also apply.

20. Notices

We may give you notices by email to the contact you provided, through the dashboard, or by posting on our website where the notice applies to all users. You must send legal notices to us at [legal@...] and Calle Lago Alberto 320, Int. 06B 601, Col. Granada, Alcaldía Miguel Hidalgo, C.P. 11520, Ciudad de México, México. Email notices are treated as received on the next business day after sending.

21. Changes to these Terms

We may update these Terms from time to time. For merchants, we will give at least [Notice period for changes] notice of material changes by email or in the dashboard, unless a shorter period is required by law, a partner or a scheme, or the change is needed to address a security or fraud risk. If you do not agree to a change, you may terminate your merchant agreement before it takes effect. Continued use of the services after the effective date means you accept the change.

22. Website content and illustrative data

Information on our website, including market coverage, payment methods, indicative prices, settlement times and exchange rates, is for general information only and may change without notice. Examples, demonstrations, sample dashboards and figures on our website use illustrative data and do not represent real transactions, customers or results. Reference exchange rates come from a third-party source and may be delayed or inaccurate. Nothing on our website is an offer, financial advice or a guarantee.

Our website may link to third-party sites. We are not responsible for their content or practices.

23. General and contact

You may not assign or transfer your rights under these Terms without our written consent. We may assign them to an AIDeeGroup affiliate or to a successor in a reorganisation, merger or sale. If any provision is held invalid, the rest remains in force. These Terms, together with your merchant agreement, are the entire agreement on their subject matter. If these Terms are translated, the English version prevails unless the law requires otherwise.

Questions about these Terms: [legal@...]. Merchant support: [support@...]. Star Pay Tecnología, S.A. de C.V., Calle Lago Alberto 320, Int. 06B 601, Col. Granada, Alcaldía Miguel Hidalgo, C.P. 11520, Ciudad de México, México.