Terms of Service

1. About these Terms

1.1 The Payowire website, web application and mobile applications (together, the "Platform") are operated by Payowire, a company organised under the laws of the United States, with its registered address at 30 N Gould St Ste R, Sheridan, WY 82801, United States.

1.2 These Terms apply to every person and business that opens or uses a Payowire account. Additional terms may apply to particular products (for example, cardholder terms of a card-issuing partner or rules shown at the point of a transaction). If an additional term conflicts with these Terms, the additional term applies to that product only.

1.3 You join only after agreeing to these Terms. You must read these Terms before you create an Account. You join the Platform only after you accept them (including by ticking the acceptance box at signup or account creation). Creating an Account, ticking that box, or using any part of the Services means you have read and agreed to these Terms, published at https://payowire.com/terms. If you do not agree, you must not register for or use the Services.

2. Definitions

Account

Your Payowire profile and the balances, receiving details, cards and features made available to you through it.

Authorised Transaction

Any transaction that you, or anyone using your credentials, device, one-time passcode (OTP), PIN or card details with your knowledge or through your failure to keep them secure, instructed or approved. A transaction is authorised even if you were deceived, pressured or tricked into making or approving it.

Business Account

An Account opened for, and used on behalf of, a company, partnership, sole proprietor or other organisation for business purposes.

Card

Any virtual or physical Visa or Mastercard payment card made available through the Platform and issued by a Partner.

Credentials

Your email address, password, PIN, OTPs, two-factor authentication (2FA) codes, passkeys, security answers, card number, CVV and any other information or device used to access or authorise activity on your Account.

Partner

A licensed bank, electronic money institution, card issuer, payment processor, money transmitter, liquidity or virtual-asset service provider, or other third party with which we work to provide the Services.

Recipient

Any person, business or account to whom you send money, including another Payowire user, a bank account, a card, a mobile number or a wallet address.

Services

All products and features made available through the Platform, including receiving accounts, transfers, withdrawals, Cards, adding funds, airtime top-ups and referral programmes.

You / User

The individual or business that holds the Account, and in the case of a Business Account, each person authorised to act on it.

3. Our role and the role of our Partners

3.1 Payowire is not a bank. Payowire is not a licensed bank, is not an FDIC-insured depository institution, and does not accept deposits as a bank. Payowire is only a third-party provider of virtual cards and virtual banking-related services for freelancers and similar independent workers (including contractors, consultants and small businesses of that kind). We provide a technology platform and access to services through independent Partners. An Account on the Platform is not a bank account opened in Payowire's own name as a licensed bank. We do not hold ourselves out as a bank. Where we act on behalf of a Partner, we do so as a technology and service provider or agent, as permitted by the Partner's licence and applicable law.

3.2 Cards are issued by licensed card-issuing Partners pursuant to licences from Visa or Mastercard, as applicable. Visa and Mastercard are trademarks of their respective owners and are not parties to these Terms.

3.3 Balances shown in your Account are not bank deposits held by Payowire. Unless we expressly tell you otherwise in writing for a specific product, your balance is not covered by any deposit insurance or government compensation scheme (such as the FDIC in the United States or the FSCS in the United Kingdom).

3.4 Our Partners may impose their own requirements, limits, fees and terms. You agree to comply with any Partner terms we present to you. We may change, add or remove Partners at any time, and this may change the features, currencies, account details or Cards available to you.

3.5 We do not provide investment, legal, tax or financial advice. Any information on the Platform is for general information only.

3.6 How long we have operated. Payowire has operated this public service since 2022 (about five years of continuous operation as of these Terms). Length of operation is a statement of history only. It is not a guarantee of results, insurance, or any licence we do not hold.

3.7 Your lawful use. You are responsible for using the Services only for lawful purposes and in accordance with these Terms and our Acceptable Use Policy. You must not use the Platform to commit fraud, scams, money laundering or any other crime.

3.8 The Platform does not operate scams. Payowire itself does not scam anyone. Payowire does not operate, run, or promote scam schemes. We do not condone fraud. If a user uses the Platform to deceive another user, that misconduct is the user's, not Payowire's (see Section 14).

3.9 Nothing in these Terms is a claim that Payowire has no legal duties in connection with providing the Platform or arranging payments. Where the law imposes a duty on us, that duty applies. The rest of these Terms (including Sections 14 and 20) describe how risk is allocated and how our liability is limited to the extent permitted by law.

4. Eligibility

4.1 To use the Services you must:

• be at least 18 years old and have full legal capacity to enter into a binding contract;
• use the Services only for yourself (for a Personal Account) or for the business you are authorised to represent (for a Business Account);
• not be resident in, located in, or organised under the laws of a country or territory that is subject to comprehensive sanctions, or that we or our Partners do not support;
• not be a person named on, or owned or controlled by a person named on, any sanctions list described in our AML/KYC/CTF Policy;
• not have previously had a Payowire account closed by us for breach of these Terms, unless we have agreed in writing that you may open a new one.

4.2 We may refuse any application for any lawful reason, and we are not required to explain our decision where doing so would be unlawful or would compromise our security or compliance procedures.

5. Account registration and identity verification (KYC)

5.1 You must give us complete, accurate and current information when you register and at all times afterwards. You must tell us promptly about any change to your name, address, phone number, email, nationality, occupation, business details, ownership or anything else we have asked you for.

5.2 To comply with anti-money laundering, counter-terrorist financing, sanctions and fraud-prevention requirements, we and our Partners will verify your identity. We may ask for identity documents, proof of address, a live selfie or video check, source-of-funds or source-of-wealth information, business documents and any other information we reasonably need. We may use third-party identity verification providers and check your details against public and private databases.

5.3 Some or all Services may be unavailable, limited, or subject to lower limits until verification is complete. We may re-verify you at any time, including after you have been using the Services for some time.

5.4 You may hold only one Personal Account unless we agree otherwise. You must not open an Account for anyone else, use another person's identity, or allow anyone else to use your Account.

5.5 Providing false, misleading, stolen or forged information is a material breach of these Terms. We may close your Account, retain information, and report the matter to law enforcement and regulators.

6. Personal and Business Accounts

Personal Accounts

6.1 A Personal Account is for your own personal, non-commercial use. If you use a Personal Account to receive payments for goods or services in a regular or significant way, we may require you to open a Business Account, apply different limits or fees, or close the Personal Account.

Business Accounts

6.2 If you open a Business Account, you confirm that you are authorised to bind the business to these Terms and that the business is validly established and in good standing. We will carry out Know-Your-Business (KYB) checks, including verification of the business, its directors, authorised signatories and ultimate beneficial owners (UBOs).

6.3 The business is responsible for all activity carried out by anyone it authorises to use the Account, and for ensuring each such person complies with these Terms. Instructions given by an authorised person are treated as instructions of the business.

6.4 Business Accounts are not consumer accounts. To the extent permitted by law, any consumer protection provision that may be disapplied for non-consumers does not apply to Business Accounts.

7. The Services

7.1 Depending on your location, verification level and Partner availability, the Services may include:

• Global receiving accounts – account details in currencies such as USD, EUR and GBP, provided by Partners, for receiving payments;
• Transfers – sending money to other Payowire users and to external recipients;
• Withdrawals – moving funds to a bank account in your own name, where supported;
• Cards – virtual and, where available, physical Visa or Mastercard cards;
• Adding funds – topping up using supported methods such as cards, cryptocurrency, PayPal and other payment providers;
• Airtime – mobile airtime and data top-ups delivered through third-party providers; and
• Referral programmes – rewards for eligible referrals, subject to the programme rules shown on the Platform.

7.2 We may introduce, modify, limit, suspend or discontinue any Service or feature, including changing supported currencies, countries, payment methods and Card products. Where reasonably possible and required by law we will give you notice.

7.3 We apply transaction, balance and frequency limits. Limits may depend on verification, account history, risk assessment and Partner rules, and may be changed at any time without notice where necessary for security, fraud prevention or compliance.

7.4 The Platform may occasionally be unavailable due to maintenance, upgrades, Partner outages or events beyond our control. We do not guarantee uninterrupted or error-free access.

8. Fees, exchange rates and taxes

8.1 Our fees are shown on our Pricing page and in the Platform before you confirm a transaction. By confirming a transaction you agree to the fees shown. Fees are deducted from your balance, the transaction amount, or the payment method you use.

8.2 Partners, intermediary banks, card networks, blockchain networks, merchants, ATM operators and payment providers may charge their own fees, which are outside our control and may reduce the amount received.

8.3 Where a currency conversion is involved, we will show you the applicable rate or the amount you will receive before you confirm, where possible. Rates change constantly and the rate applied is the one at the time we process the conversion.

8.4 Card issuance, Card maintenance and similar fees are generally non-refundable once the Card has been issued or the service has been delivered, except where required by law.

8.5 You are solely responsible for determining, reporting and paying any taxes that apply to your use of the Services and to the payments you send or receive. We may be legally required to report information about you or your transactions to tax authorities.

9. Adding funds

9.1 You may add funds using the methods made available to you. Third-party payment methods are subject to the terms of their providers. We may refuse, limit or delay any top-up.

9.2 You may only add funds from payment methods, cards, accounts and wallets that you own and are legally entitled to use. Funding from third-party accounts is prohibited unless we expressly allow it.

9.3 Card and PayPal top-ups. If a top-up is later reversed, charged back, disputed or found to be fraudulent, we may debit the corresponding amount (plus any fees and costs we incur) from your balance, place a hold, or recover it from you as a debt under Section 19.

9.4 Cryptocurrency top-ups. Blockchain transactions are irreversible. You are responsible for sending the correct asset, on the correct network, to the correct address shown for your top-up, within any time limit shown. Assets sent to a wrong address, wrong network or in an unsupported asset may be permanently lost and we have no obligation to recover them. The amount credited is determined by the conversion rate at the time of processing, less network and processing fees. Price volatility is at your risk.

9.5 Funds may be credited subject to review, and may not be available until we and our Partners have completed security and compliance checks.

10. Receiving money

10.1 Receiving account details may only be used to receive funds that you are lawfully entitled to, from payers that are permitted to pay you. You must not share your account details with anyone for the purpose of receiving funds on their behalf.

10.2 We or our Partners may hold, reject or return an incoming payment if it does not match your Account details, appears suspicious, comes from a sanctioned or unsupported source, or cannot be verified.

10.3 If a payment is credited to your Account by mistake, as a result of fraud, or is recalled by the sending bank or payer, you must not use it, and we may debit it from your Account without prior notice.

11. Sending money and withdrawals

11.1 You are responsible for providing complete and accurate payment instructions, including the Recipient's name, account number, IBAN, routing details, Payowire user identifier, card number, mobile number or wallet address. We process payments using the unique identifiers you provide and are not required to check that the Recipient name matches the account.

11.2 A payment is authorised when you confirm it in the Platform, including by entering a password, PIN, OTP or 2FA code or by using biometric or passkey approval.

11.3 Estimated delivery times are not guaranteed. Payments may be delayed by Partner processing, intermediary banks, public holidays, compliance reviews or incorrect details.

11.4 If you send money to the wrong Recipient because of an error in the details you provided, we will make reasonable efforts, on request, to contact the receiving institution or user, but we cannot guarantee recovery, and we may charge a fee for recall attempts. We may share relevant information about the payment with the receiving institution to help recovery.

11.5 Withdrawals to external bank accounts may only be made to accounts held in your own name (or your business's name) unless we expressly allow otherwise.

12. Cards

12.1 Cards are issued by a licensed Partner and remain the property of that Partner. Use of a Card is also subject to the issuer's cardholder terms and card network rules.

12.2 You may use a Card up to the available Card balance or limit, at merchants that accept the relevant card network. Some merchants, categories, countries or transaction types may be blocked or restricted by us, the issuer or the network.

12.3 Some merchants (for example hotels, car rental or fuel merchants) place an authorisation hold that may exceed the final amount. Held amounts are unavailable until the merchant captures or releases them, which can take up to 30 days or longer depending on the merchant.

12.4 Card transactions may carry cross-border, currency conversion, decline or other fees as shown on our Pricing page. Repeated declined transactions, particularly for insufficient funds, may result in fees or Card cancellation.

12.5 You must not use a Card for any prohibited activity, or for subscription trials, account verifications or other uses designed to avoid payment. We may freeze, suspend, replace or cancel any Card at any time, including where the issuer or a network requires it.

12.6 When a Card expires or is cancelled, any remaining Card balance will be returned to your Account balance where possible, after pending authorisations and any amounts owed are settled.

13. Chargebacks, merchant disputes and refunds

13.1 Purchases you make with a Card are contracts between you and the merchant. We are not a party to, and are not responsible for, the goods, services, quality, delivery, legality or refund policy of any merchant. You should first contact the merchant to resolve any problem.

13.2 If you cannot resolve a problem with a merchant, you may ask us to raise a dispute with the card issuer under the applicable card network rules. Disputes must be submitted promptly (and in any case within the time limits set by the card network, which can be as short as 60 days from the transaction date) and must include the information and evidence we request.

13.3 Whether a chargeback succeeds is decided under card network rules by the issuer and the merchant's bank, not by us. We do not guarantee any outcome. If a provisional credit is given and the dispute is later decided against you, we will debit that amount from your Account.

13.4 Refunds from merchants are credited only when we receive them from the issuer. Transfers between Payowire users and payments to external bank accounts are not covered by card chargeback rights.

13.5 Making false or abusive dispute claims is a breach of these Terms and may lead to Account closure.

14. Fraud, scams and your responsibility

14.1 You are responsible for verifying who you pay. Before sending any payment, you must take reasonable steps to confirm the identity and legitimacy of the Recipient and the purpose of the payment. You must not send money to anyone you have not verified independently, including people you have met only online.

14.2 The Platform does not scam users; user-to-user misconduct is between those users. Payowire itself does not scam anyone and does not operate scam schemes. Payowire provides payment technology. If one user scams, deceives, or otherwise wrongs another user, that dispute is between those users. To the maximum extent permitted by law, Payowire is not a party to that misconduct and has no duty or liability for it. We are not a party to, do not guarantee, and are not responsible for, any agreement, sale, investment, loan, employment, relationship or other arrangement between you and any other user, Recipient, payer or merchant. We do not condone fraud. We do not verify the goods, services, promises or representations of anyone you deal with. This does not exclude any duty the law actually imposes on us when we process a payment, or any liability that cannot be limited by law (including, where applicable, our own fraud or wilful misconduct). We may review, freeze, suspend or close Accounts that violate these Terms (Section 18).

14.3 Authorised payments, social engineering and third-party misconduct. To the maximum extent permitted by law, Payowire is not liable for any loss you suffer where you authorised a payment, card transaction, withdrawal or top-up (including by sharing an OTP or approving a request) and the Recipient or a third party turns out to be a fraudster or scammer, or where loss results from social engineering or the misconduct of a third party. This limitation does not exclude any liability that cannot be limited by law, including (where applicable) our own fraud or wilful misconduct. Covered situations include, without limitation, losses resulting from:

• investment, trading, cryptocurrency or "guaranteed return" schemes;
• romance, friendship or relationship scams;
• online marketplace, e-commerce, rental, ticket or non-delivery scams;
• job, task, "work-from-home" or advance-fee scams;
• impersonation of Payowire, a bank, a government agency, the police, a courier, a family member, a business supplier, an executive or any other trusted person;
• invoice, payment-redirection or business email compromise scams;
• social engineering, phishing, vishing (phone), smishing (SMS) or remote-access scams; and
• lottery, prize, inheritance, charity or loan-fee scams.

14.4 No obligation to reverse or reimburse. We have no obligation to reverse, recall, refund or reimburse an Authorised Transaction, or to compensate you for the actions of a third party. Where we choose, at our sole discretion, to attempt a recall or recovery, we do so as a courtesy and without any admission of liability, and we do not guarantee any result.

14.5 Freezing and cooperation. If we suspect fraud, we may (but are not obliged to) hold, freeze or block funds, Accounts or Cards, including the Recipient's Account where it is held with us. Funds frozen in a suspected scam may be released only where we are satisfied, in our reasonable discretion and in accordance with law, about who is entitled to them, or where a court, regulator or law enforcement authority directs us. Freezing does not mean that funds will be recovered.

14.6 We may share information about suspected fraud with our Partners, other financial institutions, fraud-prevention databases, regulators and law enforcement, as described in our Privacy Policy. We may cooperate with any investigation, but we are not obliged to act as your representative, to investigate on your behalf or to take legal action against any third party.

14.7 Report immediately. If you think you have been scammed or that someone has access to your Account, contact us immediately at support@payowire.com or through in-app support, and report the matter to your local police. Delay can reduce any chance of recovery. You must give us all information and cooperation we reasonably request.

14.8 Using your Account for fraud. If your Account receives or is used to move proceeds of fraud – whether or not you knew – we may freeze and return funds to the apparent victim or their bank where permitted by law, close your Account, and report you to the authorities. You must never allow anyone else to use your Account or receive money on someone else's behalf (acting as a "money mule").

15. Keeping your Account secure

15.1 You must take all reasonable steps to keep your Credentials and devices safe. In particular, you must:

• never share your password, PIN, OTP, 2FA code, passkey or card details with anyone, including anyone claiming to be from Payowire;
• enable two-factor authentication where available and use a strong, unique password;
• keep your email account, phone number and devices secure, up to date and protected by a screen lock;
• never install remote-access or screen-sharing software at the request of someone you do not know;
• only sign in through our official website and apps, and check the web address before entering your details;
• review your transaction history regularly; and
• tell us immediately if you lose a device, if a Card is lost or stolen, or if you suspect anyone knows your Credentials.

15.2 You are responsible for all instructions given and transactions made using your Credentials, unless and until you notify us that they have been compromised, except where applicable law provides otherwise.

16. Unauthorised transactions and errors

16.1 A transaction is unauthorised only if it was not made or approved by you, or by anyone acting with your permission, and did not result from your failure to keep your Credentials secure. A transaction you were tricked into approving is an Authorised Transaction (see Section 14).

16.2 You must notify us of any unauthorised or incorrectly executed transaction without undue delay, and in any case within 60 days after the date it first appeared in your Account history, unless applicable law gives you a longer period. If you do not, we may be unable to investigate and you may lose any right to a refund, to the extent permitted by law.

16.3 We will investigate reported unauthorised transactions in good faith. If we conclude that a transaction was unauthorised and you have not acted fraudulently or with gross negligence (for example by sharing your Credentials), we will refund the amount as required by applicable law and Partner rules. If we later establish that a refund was not due, we may reverse it.

16.4 You will not be entitled to a refund where you acted fraudulently, intentionally or with gross negligence, or failed to comply with Section 15.

17. Prohibited and restricted activities

17.1 You must use the Services only for lawful purposes and in accordance with our Acceptable Use Policy, which forms part of these Terms. Without limitation, you must not use the Services for money laundering, terrorist financing, sanctions evasion, fraud, scams, unlicensed financial services, illegal goods or services, or to receive funds on behalf of third parties.

17.2 You must not attempt to interfere with the Platform, reverse engineer it, access it by automated means without our permission, bypass any limit or security control, or use the Services in a way that could harm us, our Partners or other users.

18. Holds, suspension, freezing and termination

18.1 We may, at any time and with or without notice (where notice is not prohibited by law), hold or delay any transaction, place limits on, suspend, freeze or restrict your Account or any Card, or refuse to process a transaction, if:

• we suspect fraud, a scam, unauthorised use, money laundering, terrorist financing, sanctions breaches or other illegal activity;
• you have breached these Terms or any Partner terms, or provided false information;
• we need to complete or update verification, or you do not provide information we request;
• we are required to by law, a court order, a regulator, law enforcement, a card network or a Partner;
• your Account has a negative balance or creates a risk of loss for us or others; or
• we reasonably believe it is necessary to protect you, other users, our Partners or us.

18.2 We may be prohibited by law from telling you why we have taken any of these actions. We are not liable for any loss caused by a delay, hold, freeze or refusal made in good faith under this Section.

18.3 Termination by you. You may close your Account at any time by contacting support, provided there are no pending transactions, disputes, investigations or amounts owed.

18.4 Termination by us. We may close your Account for any reason by giving you at least 30 days' notice, or immediately where any of the circumstances in Section 18.1 apply.

18.5 On closure, any remaining lawful balance will be returned to you, less amounts owed, by a method we choose, to an account in your name, after we have completed any required checks. We may withhold funds for as long as required by law, a Partner, card network dispute timelines (up to 180 days) or an investigation. Funds that we reasonably believe are proceeds of crime, or that are subject to a legal order, may be retained, returned to their source or surrendered to the authorities as required by law.

18.6 If your Account is inactive for an extended period, we may close it and deal with any balance in accordance with applicable unclaimed property laws.

19. Negative balances, set-off and recovery

19.1 You must not let your Account balance fall below zero. A negative balance may arise from fees, chargebacks, reversals, returned payments, Card transactions settled after authorisation, or exchange-rate movements.

19.2 Any negative balance is a debt immediately due and payable to us. You authorise us to recover it, without further notice, by deducting it from any balance in any currency in any of your Accounts (including linked Personal and Business Accounts), from incoming payments, or by charging any payment method you have linked.

19.3 If you do not repay, we may suspend or close your Account, charge reasonable recovery costs as permitted by law, use debt collection agencies, report to credit or fraud-prevention agencies, and take legal action.

20. Limitation of liability

20.1 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or wilful misconduct by us, or your non-waivable statutory rights as a consumer.

20.2 To the maximum extent permitted by law, Payowire, its affiliates, Partners and their respective directors, officers, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, business, goodwill, data or anticipated savings, whether in contract, tort (including negligence) or otherwise, even if advised of the possibility of such loss.

20.3 To the maximum extent permitted by law, we are not liable for any loss arising from:

• Authorised Transactions, including payments to fraudsters or scammers (Section 14);
• user-to-user scams, social engineering, or other misconduct by users or third parties, to the extent permitted by law (Section 14);
• incorrect, incomplete or misleading payment details or information you provided;
• the acts or omissions of other users, Recipients, payers, merchants or other third parties;
• the acts, omissions, insolvency, outages or delays of Partners, banks, card networks, blockchain networks, payment providers, telecommunication providers or other third parties outside our reasonable control;
• any hold, freeze, delay, refusal or closure made in good faith in accordance with these Terms or the law;
• your failure to keep your Credentials or devices secure;
• currency or cryptocurrency price movements; or
• a merchant refusing to accept a Card or a payment method.

20.4 To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to these Terms or the Services is limited to the greater of (a) the total fees you paid to us in the twelve (12) months before the event giving rise to the claim, or (b) USD 100. This limit does not apply to our obligation to return your lawful balance to you.

20.5 Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, civil unrest, strikes, power or internet failures, cyberattacks, failure or suspension of Partners or payment systems, changes in law, or acts of government or regulators.

21. Indemnification

21.1 To the extent permitted by law, you agree to indemnify, defend and hold harmless Payowire, its affiliates and Partners, and their respective directors, officers, employees and agents, from and against any claims, losses, liabilities, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms or any applicable law; (b) your use of the Services; (c) any transaction between you and a third party; (d) any dispute or chargeback you initiate; or (e) your negligence, fraud or wilful misconduct, or that of anyone using your Account.

22. Disclaimers

22.1 To the maximum extent permitted by law, the Platform and Services are provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.

22.2 We do not warrant that the Services will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that information on the Platform is complete or current. Third-party websites, apps and content linked from the Platform are not controlled by us and we are not responsible for them.

23. Intellectual property

23.1 The Platform, the Payowire name and logo, and all content, software, designs and trademarks on it are owned by or licensed to us and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended purpose in accordance with these Terms.

23.2 You must not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from any part of the Platform, or use our trademarks without our prior written consent.

23.3 If you send us feedback or suggestions, we may use them without any obligation to you.

24. Privacy

24.1 We collect and use your personal data as described in our Privacy Policy, including sharing it with Partners, identity verification providers, fraud-prevention agencies and authorities where necessary to provide the Services and meet legal obligations.

25. Communications and electronic consent

25.1 You agree to receive these Terms, notices, disclosures, statements and other communications electronically, by email, in-app message, push notification, SMS or by posting on the Platform. Electronic communications satisfy any legal requirement that a communication be in writing. You may download or print these Terms at any time from this page.

25.2 You must keep your email address and phone number up to date and check your messages regularly. A notice is treated as received when we send it to the contact details on your Account or post it on the Platform.

25.3 We may record and monitor calls, chats and other communications for security, training, quality and compliance purposes.

25.4 These Terms are provided in English. Any translation is for convenience only; the English version prevails.

26. Complaints

26.1 If you are unhappy with any aspect of our service, please contact us at support@payowire.com or through a support ticket in your Account, with your name, registered email, a description of the issue, relevant transaction references and the outcome you are seeking.

26.2 We will acknowledge your complaint promptly, investigate it fairly, and aim to send a final response within 15 business days. In exceptional circumstances we may need longer, in which case we will tell you why and when to expect a response (normally within 35 business days).

26.3 Where a complaint relates to a service provided by a Partner, we may refer it to that Partner. If you remain dissatisfied, you may have the right to refer your complaint to a regulator or dispute resolution body in your jurisdiction, and you may also pursue the dispute resolution process in Section 30.

27. Changes to these Terms

27.1 We may change these Terms at any time. We will post the updated Terms on this page and update the "Last updated" date. Where a change is material and adverse to you, we will give you reasonable notice (normally at least 30 days) by email or in-app message, unless the change is required by law, a Partner or a card network, or relates to a new Service, security or fraud prevention, in which case it may take effect immediately.

27.2 If you do not agree to a change, you may close your Account before it takes effect. If you continue to use the Services after the change takes effect, you accept the updated Terms.

28. Assignment

28.1 You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign, transfer or novate our rights and obligations to an affiliate, Partner, successor or acquirer, or in connection with a merger, reorganisation or sale of assets, without your consent, provided that your rights under these Terms are not reduced as a result.

29. Governing law

29.1 These Terms and any dispute or claim arising out of or in connection with them are governed by the laws of the State of Wyoming, United States of America, without regard to conflict-of-law principles, except where the mandatory consumer protection laws of your country of residence apply and cannot be excluded.

29.2 Subject to Section 30, you and we submit to the exclusive jurisdiction of the state and federal courts located in Wyoming, United States.

30. Dispute resolution, arbitration and class-action waiver

30.1 Informal resolution first. Before starting any formal proceeding, you agree to contact us under Section 26 and give us at least 60 days to try to resolve the dispute informally.

30.2 Binding arbitration. Where permitted by applicable law, any dispute, claim or controversy arising out of or relating to these Terms or the Services that is not resolved informally will be finally resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable rules, seated in Sheridan, Wyoming, before a single arbitrator. The arbitration may be conducted by video conference or on documents only. Judgment on the award may be entered in any court of competent jurisdiction.

30.3 Class-action waiver. Where permitted by law, you and we each agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding.

30.4 Exceptions. Either party may bring an individual claim in a small-claims court of competent jurisdiction, and either party may seek urgent injunctive or equitable relief from a court to protect intellectual property, confidential information or the security of the Platform, or to prevent fraud.

30.5 Opt-out. You may opt out of this arbitration agreement by emailing support@payowire.com with the subject "Arbitration opt-out" within 30 days of first accepting these Terms, stating your name and registered email address. Opting out will not affect any other part of these Terms.

30.6 If the class-action waiver is found to be unenforceable for a particular claim, that claim must be severed and brought in the courts described in Section 29, and the remaining claims will still be arbitrated. Where arbitration agreements or class waivers are not permitted by the law of your country of residence, this Section 30 does not apply to you to that extent.

30.7 To the extent permitted by law, any claim must be brought within one (1) year after the cause of action arose, or it is permanently barred.

31. General provisions

31.1 Severability. If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

31.2 Entire agreement. These Terms, together with the policies and product terms referred to in them, are the entire agreement between you and us relating to the Services and supersede any prior agreements or communications.

31.3 No waiver. Our failure or delay in enforcing any right is not a waiver of that right.

31.4 Survival. Sections that by their nature should survive termination – including Sections 9, 13, 14, 16, 19, 20, 21, 22, 23, 29 and 30 – survive closure of your Account.

31.5 Third-party rights. Except for our Partners and affiliates, who may rely on the limitations and indemnities in these Terms, no third party has any right to enforce these Terms.

31.6 Relationship. Nothing in these Terms creates a partnership, joint venture, fiduciary or trust relationship between you and us.

32. Contact us

Payowire
30 N Gould St Ste R, Sheridan, WY 82801, United States

UK office: 189 Whitechapel Road, London, England E1 1DN, United Kingdom

Email: support@payowire.com
Fraud and security reports: support@payowire.com
Web: Contact page