Merchant Terms

Last updated 1 June 2026

Scope

These Merchant Terms are entered into between you (the "Merchant") and NATURPAY LLC, registered at 312 W 2nd St, Unit 3948, Casper, WY 82601, USA ("Naturpay"). They apply whenever you use the Naturpay checkout to accept card and wallet payments from your customers for online sales, and they sit alongside our general Terms of service.

By enabling live payments on your account, you accept these terms. Where these Merchant Terms address a payment matter differently from the general Terms of service, these Merchant Terms prevail for that matter.

Accepting payments

You may only submit charges that represent genuine sales of goods or services to a customer who has agreed to the transaction. You must not process test charges as real ones, split a single purchase to evade limits, or submit transactions on behalf of another business.

• Comply with all applicable card-network rules and operating regulations, as they change from time to time.
• Show clear pricing, a description of what is sold and your business identity before the customer confirms a payment.
• Do not use the checkout for prohibited or high-risk activities that we or the networks do not permit.

Fees

You pay a processing fee on each successful payment, as set out on our pricing page and any order form agreed with you. Fees are charged per successful transaction; declined and failed attempts are not charged. Certain operations, such as cross-border payments or currency conversion, may carry additional fees, which we disclose before they apply.

We may net fees from the funds we settle to you, or invoice them separately. We will give reasonable notice of any change to standard fees.

Settlement / payouts

Funds from successful payments, less applicable fees, refunds and any amounts withheld under these terms, are settled to your nominated bank account on a regular payout schedule. The first payout may take longer while we complete verification, and payout timing can vary with banking days, your region and risk review. You are responsible for keeping accurate, up-to-date payout details, and for any tax arising from your sales.

Refunds & chargebacks

You can refund a payment in whole or in part through the API or dashboard, and refunds are returned to the original payment method. Processing fees on the original payment may be non-refundable, as stated in our pricing.

If a customer disputes a charge with their card issuer, the disputed amount, and any chargeback fee, may be debited from your balance while the case is reviewed. You agree to help resolve disputes promptly by supplying evidence such as order records and proof of fulfilment. Excessive disputes may lead to additional review, reserves or suspension.

Currency conversion

You can present prices and charge customers in their local currency and settle in your own. Where a payment currency differs from your settlement currency, we convert at the rate in effect at the time of processing, which may include a conversion margin disclosed in our pricing. Exchange rates move, so the converted amount you receive can differ from the amount shown at checkout.

Reserves & holds

To manage risk such as refunds, chargebacks and negative balances, we may hold back a portion of your funds as a reserve, or place a temporary hold on specific payouts or transactions. We apply reserves and holds proportionately, based on factors like your dispute history, processing pattern and industry, and we release held funds once the related risk has passed, in line with applicable rules.

Term

These Merchant Terms apply for as long as your account can accept payments. You may stop accepting payments at any time, and we may suspend or end your ability to process where you breach these terms, present unacceptable risk, or where a network, bank or law requires it. On termination, we may continue to hold funds for a reasonable period to cover refunds and disputes before final settlement. For any question about these terms, contact us at hello@natur-pay.com.