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Terms of service

Last Updated: July 2026

1. ACCEPTANCE OF TERMS AND OPERATOR STATUS

1.1. These Terms of Service (“Terms”) constitute a legally binding agreement between the independent software operator of payonqr.com (hereinafter referred to as the “Operator”, “we”, “us”, or “our”) and the independent legal entity or sole proprietor registering as a merchant (hereinafter referred to as the “Merchant” or “User”). 1.2. PAY on QR is a Software-as-a-Service (SaaS) infrastructure platform that enables Merchants to generate virtual Point of Sale (POS) interfaces and QR codes to accept payments from their end-customers. 1.3. ANONYMITY AND TESTING NOTICE: Reflecting the early-stage MVP/Beta status of the Platform, the Operator operates on an unlisted basis and does not publicly disclose personal identity or corporate registry indicators. By registering, the Merchant accepts this operational framework. 1.4. CRITICAL DISCLAIMER: The Operator is NOT a bank, financial institution, payment service provider, or money transmitter. The Operator does NOT hold, pool, manage, transfer, or clear merchant or customer funds. All payment processing, settlement, and underwriting services are provided exclusively by Stripe, Inc. and its affiliates (“Stripe”) pursuant to a separate, direct agreement between the Merchant and Stripe.

2. STRIPE CONNECT INTEGRATION AND PLATFORM LIABILITY

2.1. To utilize the Platform, the Merchant must maintain an active and approved Stripe account linked via the Stripe Connect Standard framework. 2.2. All transactions executed through the Platform are processed as Direct Charges. The Merchant acknowledges that the payment contract is strictly between the Merchant and their end-customer. The Merchant is solely and fully liable for all chargebacks, disputed transactions, customer fraudulent activities, and compliance with the rules of global Card Networks (Visa, Mastercard, American Express, etc.). 2.3. The Merchant is responsible for completing all Know-Your-Customer (KYC) and Anti-Money Laundering (AML) verification procedures required by Stripe. If Stripe suspends or terminates the Merchant’s connected account, the Operator bears no liability for the Merchant’s inability to access the Platform.

3. FEES, DYNAMIC TIEERS, AND NO DIRECT INVOICING

3.1. There are no fixed monthly subscription fees or setup costs for using PAY on QR. The Platform software automatically deducts a софтуерна комисионна (Application Fee) from each successful transaction processed through the Merchant’s connected account. 3.2. No Direct Billing: The Operator does not engage in manual corporate billing, does not issue direct tax invoices to users, and does not collect direct revenue outside the automated Stripe ecosystem. All fee divisions occur programmatically at the moment of payment authorization. 3.3. The standard software commission is denominated in Euro (€) and structured in dynamic cumulative lifetime tiers based on the total successful transaction count since account creation:

  • Tier 1 (0 to 10 lifetime successful payments): 1.5% of the gross transaction value.

  • Tier 2 (11 to 20 lifetime successful payments): 1.2% of the gross transaction value.

  • Tier 3 (21+ lifetime successful payments): 1.0% of the gross transaction value (this rate remains fixed permanently and does not reset monthly). 3.4. Refund Policy: In the event of a full or partial refund initiated by the Merchant or their staff to an end-customer, the Platform software commission (application_fee) is strictly non-refundable. The software service of generating, secure routing, and validating the digital checkout session is considered fully executed at the moment of initial payment authorization.

4. STAFF ACCOUNT MANAGEMENT (

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4.1. The Merchant (Account Owner) has the capability to create and manage sub-accounts for their employees or contractors (“Staff”). 4.2. Merchant Liability: The Merchant assumes absolute legal and financial responsibility for all actions, inputs, and transactions performed by their designated Staff within the Platform. 4.3. Permissions: Staff accounts are restricted to accessing the virtual POS interface and viewing their own localized transaction history. Staff accounts are legally prohibited from executing refunds, altering financial settings, or managing other users. All payments processed by Staff automatically settle into the main Merchant’s connected Stripe account.

5. TERMINATION AND LIMITATION OF LIABILITY

5.1. The Platform is provided on an “as-is” and “as-available” basis. The Operator shall not be liable for any revenue losses, operational downtime, or data corruption resulting from technical infrastructure outtages of third-party processors (Stripe), global Content Delivery Networks (Cloudflare), or hosting facility faults. 5.2. Either party may terminate this relationship at any time by ceasing usage of the software or requesting manual account deletion via the support channels.