Effective date: January 8, 2026
Company: PAYMISSION LTD ("PayMission", "we", "us", "our")
Registered address: Unit A, 82 James Carter Road, Mildenhall, IP28 7DE, United Kingdom
Contact: team@paymission.tech
These Terms of Use ("Terms") govern your access to and use of the website located at paymission.tech (the "Website") and the payment processing, merchant services and related professional services offered by PayMission (collectively, the "Services"). By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website or Services.
Client means a business or individual that applies for or receives our Services.
Merchant Account means the dedicated merchant identification number (MID) and bank/processor relationship set up for a Client to accept card payments.
User or you means any person or entity who uses the Website or Services, including Clients and prospective Clients.
Payment Processing Platform means PayMission’s technical infrastructure that routes, settles and manages card transactions on behalf of Clients.
2.1 Payment Processing Platform – PayMission provides a secure payment gateway and associated technology to enable Clients to accept credit and debit card transactions online or by other electronic channels. The platform complies with applicable regulatory and card scheme requirements.
2.2 Dedicated Merchant Accounts – PayMission assists Clients in obtaining and maintaining individual MIDs, including onboarding, ongoing monitoring and risk management. These accounts are subject to the underwriting criteria of acquiring banks and card schemes.
2.3 Multi‑Industry Support – We tailor payment flows, risk controls and compliance programmes to the Client’s industry and business model, including high‑risk sectors.
2.4 Analytics and Fraud Management – Our Services include transaction analytics, fraud detection, chargeback mitigation and advice on using tools such as 3‑D Secure, Ethoca and Verifi.
2.5 PCI DSS Support – We help Clients understand and implement Payment Card Industry Data Security Standard (PCI DSS) requirements.
2.6 Chargeback Prevention – We offer guidance and tools to help reduce chargebacks and improve response to disputed transactions.
2.7 Consulting – We provide consulting on payment strategy, risk management, compliance, licensing and integration.
3.1 Application Process. To obtain a Merchant Account or access certain Services, you must submit an application and provide documentation about your business, financials, ownership structure and compliance controls. We may request documents required by law (e.g., identity verification, anti‑money‑laundering (AML) checks, regulatory licences).
3.2 Approval. Approval to use the Services is at our discretion. We may refuse or terminate a Client if we believe the business model is illegal, involves high fraud risk or violates card scheme rules.
3.3 Compliance Obligations. Clients must comply with all applicable laws and regulations, including card association rules, anti‑money‑laundering (AML) and combating the financing of terrorism (CFT) requirements, sanctions, consumer protection laws and data protection laws (e.g., the UK General Data Protection Regulation (UK GDPR)).
4.1 Accurate Information. You must provide accurate and complete information about your business and update us promptly if details change.
4.2 Acceptable Use. You will use the Services only for lawful purposes and not for transactions involving prohibited or restricted goods or services.
4.3 Risk and Chargebacks. You are responsible for chargebacks, refunds and fraud associated with your transactions. We may withhold or deduct funds to cover likely losses.
4.4 Security. You must implement and maintain reasonable security measures to protect your website, systems and customer data, including PCI DSS compliance where cardholder data is handled.
4.5 Compliance Assistance. You agree to cooperate with audits and provide information necessary for regulatory filings or investigations.
5.1 Fees. Fees for payment processing, merchant accounts and consulting are agreed in a written agreement or schedule. Fees may include transaction fees, monthly account fees, chargeback fees and reserves.
5.2 Reserves. We may require a rolling reserve or security deposit to cover potential chargebacks, fees or penalties. Reserve terms are determined based on business risk and card scheme rules.
5.3 Settlement. We will remit settled funds to your designated bank account within the timeframe agreed in the merchant agreement, subject to holds for reserves, refunds, chargebacks and adjustments.
6.1 Ownership. The Website, Services and related technologies, including software, text, logos and graphics, are owned by PayMission or its licensors and are protected by intellectual‑property laws.
6.2 Limited License. We grant you a non‑exclusive, revocable, non‑transferable licence to access the Website and use the Services in accordance with these Terms.
6.3 Restrictions. You may not copy, modify, distribute, sell, reverse engineer or create derivative works based on the Website or Services without our prior written consent.
7.1 Confidential Information. During use of the Services you may receive non‑public information about PayMission or our partners, including pricing, technical information and business processes. You must keep this information confidential and use it solely to perform your obligations.
8.1 No Warranty. The Website and Services are provided "as is" and "as available". We do not guarantee that the Services will be uninterrupted or error‑free. We expressly exclude all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.
8.2 Limitation of Liability. To the extent permitted by law, we are not liable for any indirect, incidental, special or consequential damages, lost profits, loss of data or business interruption arising out of or relating to these Terms or the use of the Services. Our total liability under these Terms will not exceed the amount of fees paid by you to us in the six‑month period preceding the event giving rise to the claim.
8.3 Indemnity. You agree to indemnify and hold PayMission, its directors, officers and employees harmless from any claims, damages, liabilities, costs and expenses (including legal fees) arising from your use of the Services, your violation of these Terms or your infringement of any third‑party rights.
9.1 Termination by You. You may terminate the Services by providing us with written notice and by discontinuing all use of the Services.
9.2 Termination by Us. We may suspend or terminate the Services or your merchant account immediately on notice for breach of these Terms, insolvency, criminal or fraudulent activity, or if required by law or payment‑scheme rules.
9.3 Effect of Termination. Upon termination, all amounts owed become immediately due, and we may hold reserves for up to 180 days to cover chargebacks and fees. Rights and obligations that by their nature survive termination (e.g., intellectual property, limitation of liability) will remain in effect.
These Terms and any disputes arising out of or in connection with them will be governed by and construed in accordance with the laws of England and Wales. The parties submit to the exclusive jurisdiction of the courts of England and Wales, except that PayMission may seek injunctive relief in any jurisdiction to protect its intellectual property or confidential information.
We may update these Terms from time to time to reflect changes in laws, technology or business practices. The updated Terms will be posted on the Website with an effective date. If you continue to use the Services after the new Terms take effect, you agree to the updated Terms. If the changes materially reduce your rights, we will provide reasonable notice (e.g., email or dashboard message) before they take effect.
For questions about these Terms, please contact us at: team@paymission.tech, or write to us at Unit A, 82 James Carter Road, Mildenhall, IP28 7DE, United Kingdom