Terms & Conditions

1. These terms

These terms are an agreement between Atlas Pay and the business or individual that opens an account. By creating an account, verifying your identity, linking a bank account, or otherwise using Atlas Pay, you accept them. If you are accepting on behalf of a company, you confirm that you are authorised to bind it.

Our Privacy Policy describes what we collect and how we handle it, and forms part of this agreement. Where these terms conflict with a written agreement we have separately signed with you, that agreement takes precedence.

2. Accounts and eligibility

To use Atlas Pay you must be at least 18 years old, or the age of majority where you live, and able to enter into a contract. You may register with an email address and password, or with an external sign-in provider.

• Accurate details. Your business name, country, default currency, and support contact details must be accurate and kept up to date, because they appear to your customers on receipts and payment pages.
• Identity verification. Payouts and the rest of the secure financial features are unlocked by a one-time identity check. We may ask for further information later where we are required to.
• Account security. You are responsible for your credentials and for everything done through your account, including by team members you add. Tell us promptly if you believe an account has been compromised.
• One account, one business. An account represents a single business and its linked payout bank account. Do not use one account to collect money on behalf of an unrelated business.
• Your customers. You are responsible for the goods or services you sell, the prices you set, the taxes you charge, and the refund and cancellation policy you offer. Atlas Pay is not a party to the transaction between you and your customer.

3. Acceptable use

Atlas Pay is for collecting legitimate payments for real goods and services. You agree not to use it to:

• Sell anything prohibited by law in your jurisdiction, by our payment partners’ restricted business rules, or by the card networks.
• Collect money under a false identity, misrepresent what a payment is for, or launder funds.
• Take payments you have no intention of honouring, or systematically ignore refund obligations.
• Upload malware, attempt to access another account’s data, probe or overload the API, or circumvent rate limits and authentication.
• Scrape, resell, or white-label the service without a written agreement with us.
• Ask a customer for a card number by message or over the phone rather than sending them to the payment page.

We may investigate suspected misuse and cooperate with our payment partners, the card networks, and law enforcement where we are required to.

4. Payment partners and your merchant account

Atlas Pay is not a bank. Card processing, the hosted checkout, and the movement of money to your bank account are provided by licensed payment partners and the card networks behind them. Atlas Pay creates the request, records the result, and shows you the money — it does not hold your funds as a bank would.

• A payment partner decides whether your business may accept charges and receive payouts, and may request verification information at any time. Atlas Pay reports that status; it does not control it.
• Payout timing, currency support, disputes, and chargebacks are handled under the partner rules and the card network rules that sit behind them.
• If your merchant account is restricted, suspended, or closed, the parts of Atlas Pay that depend on it will stop working, and we may be unable to restore them.
• We rebuild what you see from signature-verified events sent by our partners. Where our display and a partner’s records ever disagree, the partner’s records are authoritative.

5. Markets and unreleased features

Atlas Pay is live in 28 countries across the Caribbean, Africa, Asia, Europe, and North America, paying out to eligible local bank accounts. Availability, currency, and payout eligibility vary by market, and a business in a country that is not on the list can only join the waitlist.

Card Issuing, the Chrome extension, and the Shopify integration have not been released. They are described on the roadmap, carry no date, and are not part of any plan you can buy. Nothing described as coming soon on this website is a commitment to deliver it, and you should not enter into this agreement in reliance on it.

6. Plans and fees

• The app is free to download. The Free plan costs $0 a month. Brand is $5.99 a month and Pro is $14.99 a month, billed monthly.
• Transaction fees. Free and Brand charge 4.9% + $0.40 on each payment you receive. Pro charges 4.2% + $0.40. The fee is deducted from the payment unless you are on Pro and have switched on passing fees to the customer, in which case the payer is charged it.
• No hidden fees. You can change or cancel a plan at any time, with no cancellation charge. Dropping back to Free returns the rate to 4.9% + $0.40 and switches off the Brand and Pro features.
• Taxes. Amounts quoted exclude any applicable taxes, which are your responsibility unless we say otherwise in writing.
• Changes. We will give at least 30 days’ notice before a fee that applies to you changes. If you do not accept the change, you may close your account before it takes effect.

The full feature comparison, row by row, is on the Plans page. Only features that are live appear in a plan.

7. Service availability and support

We aim to keep Atlas Pay available and correct. We do not currently offer a contractual uptime commitment, and we do not publish uptime figures we have not measured.

• Planned maintenance will be announced in advance in the product where it is likely to be noticeable.
• Parts of the service depend on payment partners, card networks, and infrastructure providers. An outage at one of them can affect Atlas Pay even when our own systems are healthy.
• Support is available by email at support@atlaspay.com, on WhatsApp, by booked call, and through the contact page. Priority support is included on the Pro plan.
• We may change, add, or remove features. Where a change removes something you rely on, we will give reasonable notice.

8. Intellectual property

Atlas Pay, its software, its interface, its documentation, and the Atlas Pay name and logo belong to us and our licensors. These terms grant you a limited, non-exclusive, non-transferable right to use the service while your account is in good standing. They grant you nothing else — in particular, no right to copy, resell, reverse-engineer, or create a competing service from our software.

Your content stays yours. Your business name, logo, product descriptions, contract wording, customer records, and support attachments remain your property. You grant us only the licence we need to host, process, and display that content in order to run the service for you, including to your customers on the payment pages you create.

Feedback you send us about the product may be used freely and without obligation, but we will never publish your business’s data as an example without your written permission.

9. Disclaimers and limitation of liability

Atlas Pay is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that it will meet a regulatory requirement that applies to your business.

To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost goodwill, or lost data, even if advised that they were possible.

Our total aggregate liability arising out of or relating to these terms is limited to the greater of the subscription fees you paid us in the twelve months before the event giving rise to the claim, or one hundred United States dollars. Because Free accounts pay us no subscription, that limit will often be the latter.

Nothing here limits liability that cannot be limited by law, including liability for fraud, or for death or personal injury caused by negligence. Losses arising from money movement, payouts, disputes, or chargebacks fall under the rules of the payment partner handling them.

10. Suspension and termination

You may stop using Atlas Pay and close your account at any time from the product or by asking support. Closing your Atlas Pay account does not by itself close any merchant account a payment partner holds for you.

We may suspend or terminate an account if:

• You breach these terms, particularly the acceptable use section.
• We are required to by law, by a payment partner, or by a card network.
• Your merchant account with a payment partner is restricted or closed.
• Your use threatens the security, integrity, or availability of the platform for other businesses.

Where circumstances allow, we will warn you first and give you a chance to fix the problem. On termination, your right to use the service ends immediately; we will retain and delete your data as described in the Privacy Policy, and we will help you export your records on request within that retention window.

11. Changes to these terms

We may update these terms as the product changes — for example when a market opens, when a plan changes, or when a new capability needs its own rules. The date at the top of this page always reflects the current version.

For material changes we will give notice in the product or by email before they take effect. Continuing to use Atlas Pay after that date means you accept the updated terms; if you do not, you may close your account.

12. Governing law

These terms are governed by the laws of [jurisdiction to be confirmed], without regard to its conflict-of-law rules, and the courts of [venue to be confirmed] have exclusive jurisdiction over any dispute arising from them.

Nothing in this section removes a right you have to bring a claim in your own country where local law gives you that right.

13. Contact

Questions about these terms, or about anything in your account, should go to the support team. A message sent from the address on your account arrives with your context attached, which is usually the fastest route to an answer.

• Email: support@atlaspay.com
• Post: [postal address to be confirmed]
• In product: message support from the app or the merchant portal, or use the contact page.