These Terms govern your access to ZettaPay (the “protocol”, “service”, “we”), including the merchant dashboard, embed widget, SDKs, and HTTP APIs. By registering as a merchant or integrating any ZettaPay artifact, you (“you”, “merchant”) agree to these Terms.
1. Eligibility
- You must be 18 or older and legally able to enter contracts in your jurisdiction.
- You must not be located in, or operating from, a jurisdiction subject to comprehensive sanctions.
- You are responsible for ensuring the activities you transact are lawful in your jurisdiction.
2. The protocol — what it is and is not
- ZettaPay is non-custodial. Every USDC payment settles directly from payer to merchant on Solana. We never take possession of funds.
- ZettaPay is not a money services business, bank, money transmitter, or licensed payment institution.
- Fiat onramp/offramp services, where surfaced, are operated by third parties (e.g. MoonPay) under their own terms.
3. Merchant account
- You provide a Solana public address at signup. ZettaPay never requests a wallet connection or private key.
- You are solely responsible for the security of your wallet, seed phrase, and signing devices.
- You will keep your contact email and webhook URL current and reachable.
- API keys are confidential. Treat them like passwords. Rotate immediately on suspected compromise.
4. Acceptable use
You agree not to use ZettaPay to facilitate:
- Activities prohibited by applicable law, including fraud, money laundering, terrorism financing, or sanctions evasion.
- Sale of regulated goods (firearms, controlled substances, restricted financial products) without applicable licenses.
- Adult content involving minors, non-consensual content, or any content depicting violence against people or animals.
- Phishing, malware distribution, or impersonation of other parties.
- Stress-testing or reverse-engineering the protocol without authorization (see our bug bounty program for sanctioned channels).
We may suspend or terminate accounts that violate this section, with or without notice. On-chain settlements that have already confirmed cannot be reversed.
5. Fees
- Protocol fee: 0.30% of each settled invoice, deducted at the point of settlement.
- Solana network fees apply per transaction (typically < $0.01).
- Fiat onramp partners charge their own fees, disclosed at the point of purchase.
- Free tier: the first 100 transactions per merchant per calendar month are not charged a protocol fee, subject to abuse review.
We may change fees with at least 30 days' notice via the merchant dashboard and email. Continued integration after the notice period constitutes acceptance.
6. Refunds, chargebacks, and disputes
- Solana transactions are final. There is no chargeback mechanism at the protocol layer.
- Refund policy between merchant and payer is set by the merchant. We do not mediate refunds.
- If you intend to issue a refund, send USDC directly back to the payer's originating address.
- Disputes between payer and merchant are resolved between those parties. We are not a party to commercial disputes.
7. Service availability
We target high availability and publish real-time component health at /status. We do not guarantee uninterrupted service. The protocol depends on the Solana network and third-party RPC providers; outages on those networks may affect settlement timing.
8. Webhooks and integration
- Webhook URLs must be served over HTTPS with a valid certificate.
- Webhooks are signed with HMAC-SHA256 and include idempotency keys. You must verify the signature and dedupe by idempotency key before acting on a webhook.
- We retry failed webhook deliveries with exponential backoff for up to three attempts. After exhaustion, deliveries can be replayed from the dashboard.
9. Intellectual property & open source
- The protocol specification and official SDKs are released under MIT.
- The merchant dashboard, hosted infrastructure, and brand assets remain proprietary.
- You may not use the ZettaPay name or logos in a way that suggests endorsement without our written permission.
10. Disclaimers
The protocol is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Cryptocurrency carries inherent volatility and operational risk. You acknowledge that you have the technical competence to manage your own wallet.
11. Limitation of liability
To the maximum extent permitted by law, our aggregate liability arising out of or relating to these Terms or the protocol is limited to the greater of (a) the total fees you paid to us in the 12 months preceding the claim, or (b) USD $100. We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits or business interruption, even if advised of the possibility.
12. Indemnification
You will defend and indemnify us against third-party claims arising from your use of the protocol, your content, your customer interactions, or your breach of these Terms.
13. Suspension & termination
- You may close your merchant account at any time from the dashboard.
- We may suspend or terminate accounts for violation of these Terms, suspected abuse, or to comply with law.
- Sections 5 (Fees), 6 (Refunds), 9–14 survive termination.
14. Governing law & venue
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. Disputes shall be resolved in the state or federal courts located in Wilmington, Delaware, except where local consumer-protection law grants you rights that cannot be waived.
15. Changes
We may update these Terms. Material changes will be announced via the dashboard and email at least 14 days before they take effect, except for changes required for legal or security reasons, which may be effective immediately.
16. Contact
Legal: legal@zettapay.dev
Support: /contact