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High-Risk Businesses - increase transaction approval ratio with Paidora soft

White label PSP

Your personal payment solution, combines your branded payment processing and customer accounts.

Set the rules for money transfers, choose the most effective channels for receiving payments and b2c payouts, easily track transactions and generate reports.
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Paidora Soft, 2022

Terms of use
This Agreement (THE "AGREEMENT") is between You ("YOU", AND "YOUR"), the provider of goods or services, and PAIDORA SOFT, company registration number BC 1251720, (together with its employees, directors, successors, affiliates, and assignees, "PAIDORA SOFT", "WE", "US", AND "OUR").

This Agreement forms a legal contract between You and PAIDORA SOFT, governing the use of PAIDORA SOFT`s service (THE "SERVICE"), and by registering for or using the Service You must read, agree and accept all of the terms and conditions contained in this Agreement. This Agreement will be governed by and interpreted in accordance with Canadian law. You agree that Your use of any of PAIDORA SOFT`s payment services constitutes Your acceptance of this Agreement, which will become effective from the date of initiation of the Service.

You may also receive notification about additional Terms and Conditions if You take additional services in due course from PAIDORA SOFT.

PAIDORA SOFT does not have control and assumes no liability for the products or services that are paid for with the Service and You agree that PAIDORA SOFT will not be held accountable for any act of default between Yourself and a Consumer utilising the Service.

The service

1.1. Overview
As part of the Service, You will be provided with an Account by PAIDORA SOFT to facilitate the handling of funds in respect of consumer transactions due to You. A "CONSUMER" is someone who has access to the Service in order to make payment for goods or services provided by You. A "TRANSACTION" is a transfer of funds from the Sender to PAIDORA SOFT, and then to the Recipient while using the Service. The "TRANSACTION AMOUNT" is the amount that the Sender provides to PAIDORA SOFT for the transfer to the Recipient. A "SENDER" is the consumer who pays the Recipient for goods or services. A "RECIPIENT" is someone to whom the Sender transfers funds for goods or services.

1.2. Payments and payment methods
PAIDORA SOFT will integrate its processing platform into Your website to facilitate transactions by the Consumers. The available payment options will be decided upon and agreed between You and Us prior to integration.

We will notify You of a successful payment, to allow You to supply the goods or services to the Consumer. We will collect payments from the Consumer through their chosen method and We will settle all successful and received payments directly to Your pre-registered bank account on a weekly basis. Refunds in respect of card payments will be executed to the card via the Acquirer, and other payment methods will be refunded by using bank transfer.

1.3. Conditions
You must be at least 18 years old to use the Service and be able to enter into a legally binding agreement under applicable law. You or Your business must be the lawful and valid holder of a bank account You use in relation to the Service.

1.4. Restrictions
We may refuse Transactions from certain Senders and to certain Recipients if We are required to do so by law, or if the locations, goods or services fall outside of Our business preferences or risk appetite. You may not use the Service to accept funds on behalf of another person or entity or for any purpose related to prohibited or illegal industries/content.

1.5. Availability
The Service is only available in certain countries, which is subject to change. Availability of particular countries may change from time to time and without notice due to regulatory requirements, conditions in the country, or circumstances otherwise beyond PAIDORA SOFT`s control.

You may only open an Account if it is legal to do so in Your country of residence. By opening an account. You represent and warrant to Us that it does not violate any laws or regulations applicable to You. You shall indemnify us against any losses We incur if your breach this requirement.

1.6. Account
In order to use the Service You must first open an Account by registering Your details on Our website Prior to Us integrating our Application Programme Interface (API) with Your website. We will carry out identity verification on Your business to adhere to Our legal and regulatory obligations. Once We are satisfied that the details provided are accurate, We will allow the Consumer to provide payment to You by using the Service. All information You provide during the registration process or any time thereafter must be accurate and truthful. As part of the registration process You will need to accept this Agreement.

You may only open one Account unless We explicitly approve the opening of additional accounts.


2.1. Transaction information
In order for Us to process a Transaction, We must receive as a minimum the following information: Transaction Amount, Merchant Details, Consumer Details, Method of Payment. Without this information, We will not be able to execute the Transaction.

2.2. Payment
Transaction settlement will be made to You by Us on a weekly basis for Transactions that have been settled with Us by the relevant payment method. We accept no liability for unsettled Transactions until such time as the funds are received by Us.

Charges and exchange rates

3.1. Charges
PAIDORA SOFT charges an agreed flat fee (the "SERVICE FEE") for all Transactions, regardless of the Transaction Amount. You agree to pay Us the Service Fee for each transaction, which will be deducted from the Transaction amount by Us prior to settlement with You.

3.2. Exchange rates
You will receive settlement from Us in the agreed currency, which may or may not be the currency of Your bank account. Where the Transaction currency is different to Your settlement currency, We will utilise a currency exchange rate to convert the Transaction Amount into the settlement currency agreed between You and Us. We are not responsible for any exchange rates or fees applied by Your bank for further currency exchange in applicable circumstances.

4.1. Your Obligations
You are responsible for keeping Your password and Account details safe. You must not disclose Your password or Account details to anyone else. If You think that You have lost Your password or Account details, that they have been stolen, or that someone has been using Your Account without Your permission, You must notify Us immediately. You will be held responsible for any losses arising from the disclosure of Your details, in cases where You have not notified Us.

You must not allow any unauthorised third parties to use the Service without Our express written authorisation. Failure to comply with this condition will result in the closure of Your Account and will render You liable for any financial losses incurred by Us.

4.2. Our obligations
We will ensure that Your password and Account details are kept secure and that Your password is only available to You.

Settlement of Transactions will only be made to Your pre-registered bank account, and any changes to this information will only be accepted from designated contact points within Your organisation.

4.3. Account Suspension
Where You have notified Us of the circumstances described in section 4.1, or where We suspect unauthorised or fraudulent use of Your Account has taken place or have other concerns regarding the security of Your Account, We will suspend Your Account. In this case We will notify You by email of the suspension, giving Our reasons for it, unless this would reasonably compromise security measures or would otherwise be unlawful. Where We are able to do so, We will endeavour to notify You in advance of the suspension. If this is not possible We will notify You immediately afterwards. As soon as practicable after the reasons for suspending Your Account cease to exist, We will reactivate Your Account or issue You with a new password. Possible exceptions to this are if we consider You to have been a party to the unauthorised use or to have been grossly negligent with the security of Your Account.

5.1. Disputes between sender and recipient
We will process the Transaction on Your behalf and collect funds from the applicable payment method, for transfer to Your designated bank account. This represents our entire involvement in the Transaction process and WE ACCEPT NO LIABILITY FOR DISPUTES ARISING BETWEEN THE SENDER AND THE RECIPIENT IN RESPECT OF THE ACTUAL GOODS OR SERVICES PROVIDED.

5.2. Payment for goods or services
We have no control over and accept no liability for the quality, safety, legality, or delivery of goods or services that You provide the Consumer for which they use the Service to pay. You are wholly responsible for this and agree to indemnify Us against any action brought by the Consumer in this regard.

5.3. Incorrectly executed transactions
If You think there has been a mistake in the processing of a Transaction, You must inform Us immediately, or as soon as practicable. Once You have informed Us of an incorrectly executed Transaction, We will endeavour to find the reasons for this and inform You of the outcome as soon as possible. Where the reason for the incorrect execution is attributable to a mistake on Our part, We will adjust the amount to either You or the Consumer, whichever is applicable, as soon as is practicable. Where the incorrect execution is attributable to a mistake on Your part, We will adjust the Transaction Amount to the extent that it is possible to recover, and any further liability to the Consumer will be Your responsibility.

5.4. Your liabilities
We may request information from You or otherwise update inaccurate Information You have provided to us and You should provide Us with the requested information/documentation within the timeframe reflected in our request.

If there arise any risk of liability to Us that should not arise if You utilize Your rights in bona fide manner, You irretrievably authorize US and We have unilateral right to hold Your funds to the extent and for so long as reasonably needed to protect against the risk of liability to Us.

You should be aware that We may take legal action against You. Unless otherwise directed by Us, You must not use or attempt to use Your Account while it is suspended or has been closed. You remain liable under this Agreement in respect of all charges and other amounts incurred through the use of Your Account at any time, irrespective of termination, suspension or closure.

5.5. Our Liabilities
We may, at any time and without liability, suspend, block, limit, close or cancel Your right to use a particular payment method or Your account entirely or for any particular transaction, which may in turn suspend, block, limit, close or cancel access to Your account. We will normally give You advance notice of any suspension or cancellation but We may, if it is reasonable to do so (for example, if You have breached this Agreement or We consider it advisable for security reasons), suspend or cancel Your right to use your payment method or Account without any prior notice to You.

We may refuse any particular payment Transaction at any time for any reason and will only be required to make available the fact of the refusal and the reasons for the refusal and how You may resolve the problem, where possible, upon request and provided it is not prohibited by law.

We may request information from You or otherwise update inaccurate information You provided to Us.

We may refuse to provide our Services to You in the future.

We may hold Your funds to the extent and for so long as reasonably needed to protect against the risk of liability.

You acknowledge Your access to the website(s) may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services.

We shall not be liable for any disruption or impairment of the service or for disruptions or impairments of intermediary services on which We rely for the performance of Our obligations, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond Our reasonable control or the control of the intermediary affected.

We shall not be liable for any indirect or consequential losses including but not limited to loss of profit, loss of business and loss of reputation. We shall not be liable for any losses arising from Our compliance with legal and regulatory requirements.

Nothing in this Agreement shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.

Our obligation under this Agreement is limited to providing You with an Account and related payment services and does not make any statement in relation to or endorsement of the quality, safety or legality of any goods or services provided by You.

We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between You and a Consumer.

In no event shall We, the other companies in Our corporate group, persons who act on Our behalf, and/or the persons We enter into contracts with be liable for any of the following types of loss or damage arising under or in relation to this Agreement (whether in contract, tort (including, without limitation, negligence) or otherwise:

any loss of profits, goodwill, business, contracts, revenue or anticipated savings even if We are advised of the possibility of such damages, loss of profits, goodwill, business, contracts, revenue or anticipated savings; or any loss or corruption of data; or any loss or damage whatsoever which does not stem directly from Our breach of this Agreement; or any loss or damage whatsoever which is in excess of that which was caused as a direct result of Our breach of this Agreement (whether or not you are able to prove such loss or damage).

Nothing in this Agreement shall limit Our liability resulting from Our gross negligence, wilful misconduct, for death or personal injury resulting from either Our, or any of Our third parties or subcontractor`s, that we have entered into contracts with to supply the Service, negligence or to the extent such limitation or exclusion is not permitted by applicable law.

Data protection

6.1. Personal Information
If We collect any personal information from You, We will take all reasonable precautions to keep this information secure. Your personal information will only be used for the purposes of fulfilling Our obligations under this Agreement and will not be disclosed to third parties except to the extent necessary to provide the Service or if We are required to do so by law.

You must ensure that information recorded on Your Account is always accurate and up to date and We shall not be liable for any loss arising out of Your failure to do so. We may ask You at any time to validate the accuracy of Your information or to provide documents or other evidence to support this.

6.2. Privacy and intellectual property
Your Privacy is extremely important to us and We strongly recommend that You read the PAIDORA SOFT Privacy Policy in order to understand how We collect, store, use and access Your personal data.


7.1. Language
We are required by law to tell You that the terms of this Agreement are in English and that We will communicate with You at all times in English. You may at any time, during the term of this Agreement, request a copy of this Agreement.

7.2. Termination
The term of this Agreement is for a period of time when You successfully register an Account until this Agreement is terminated.

This agreement is terminated simultaneously with the termination of the Merchant Processing Service agreement concluded between Us and You.

7.3. Entire agreement
You agree that this Agreement is the entire agreement between You and PAIDORA SOFT and supersedes and terminates any prior agreement.

7.4. Severability
In the event any provision (or part provision) of this Agreement is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed not to form part of the Agreement, and the validity and enforceability of the other provisions of

the Agreement will not be affected.

7.5. Governing Law and Jurisdiction

This Agreement is governed by Canadian law and You agree that any legal case concerning this Agreement will be heard by the courts of Canada.

Privacy Policy
Our commitment to you

PAIDORA SOFT is dedicated to providing you with the highest level of transparency and control over the use of your data. In order for us to provide you with our services we are required to collect and process certain personal information about you and your activity.

By entrusting us with your information, we would like to assure you of our commitment to keep such information private. We have taken measurable steps to protect the confidentiality, security and integrity of this Information. We encourage you to review the following information carefully.

Grounds for data collection

Processing of your “Personal Data” (meaning any information which may potentially allow your identification with reasonable means) is necessary for the performance of our contractual obligations towards you, for providing you with our services and the operation of our website(s) (the “Website” and “Service” respectively), to protect our legitimate interests and for compliance with legal and regulatory obligations. When you use our Services, you consent to the collection, storage, use, disclosure and other uses of your Personal Data as described in this Privacy Policy.

How do we receive data about you?

We receive your Personal Data from various sources:

1. Registration information – When you voluntarily provide us your personal details in order to create an account or register to our Service (for example, your name and email address);

2. When you communicate with us – For example when you send us an email or contact us through the “contact us” form on our Website, we collect the Personal Data you provided us with.

3. Technical information – When operating our Services, we use various technological tracking tools to collect information regarding your use of the Website. Along with our partners, we may use tracking technologies such as cookies, JavaScript, beacons and Local Storage, which are used to store content information and preferences.

4. Third party information – We may receive your data from third party providers who help us with the provision and maintenance of our Services, such as analytics vendors and others.

What type of data we collect?

Personal Data
In the course of using the Service, we may ask you to provide us with certain Personal Data to provide and improve the Service, to contact or identify you, to enable you to access certain parts of the Website, or as otherwise indicated in this Policy. We collect the following Personal Data about you:

Registration information
your name, your email address, your telephone number, bank account details and credit card number, date of birth, and your country.

When using our Service
our server will collect your IP-address, and information about your general location (such as city and country).

Information from third parties
in order to provide our Service, we may receive Personal Data from our business partners. This may include Personal Data such as your contact details (name, phone, email) as well as details pertaining to your credit history.

Non-Personal Data
We also collect data about the use of our Service and the characteristics and activities of users, in order to operate it and improve it. We may collect the following non-Personal Data:

Technical information
this category includes data such as website visits, the browser you are using and its display settings, your operating system, device type, session start/stop time, referral URL, time zone, network connection type, and cookie information.

If we combine Personal Data with non-Personal Data, the combined data will be treated as Personal Data.

How do we use the data we collect?

Provision of service – for the provision and improvement of our Services, including for support and to respond to your queries.

Service announcements – we will use your Personal Data to communicate with you and to keep you informed of our latest updates to our Services and offer you service offers.

Marketing purposes – we may use your Personal Data (such as your email address or phone number). For example, by subscribing to our newsletter you will receive tips and announcements straight to your email account.

Protecting our interests – we may use your Personal Data when we believe it’s necessary in order to take precautions against liabilities, investigate and defend ourselves against any third party claims or allegations, investigate and protect ourselves from fraud and money laundering, protect the security or integrity of our services.

Enforcing of policies – we may use your Personal Data in order to enforce our policies, including but not limited to our AML Policy.

Compliance with legal and regulatory requirements – we may use your Personal Data to investigate violations, and as required by law, regulation or other governmental authority, or to comply with a subpoena or similar legal process.

With whom do we share your Personal Data?

Internal concerned parties – we share your information within our company, as well as our employees, in order to provide you with our services.

Business partners – we share your information with business partners, such as storage and analytics providers who help us provide you with our Service. These third parties may have access to your Personal Data so that they may perform these tasks on our behalf, but they are obligated to comply with this Privacy Policy and may not use your Personal Data for any other purpose.

Compliance with laws and law enforcement entities – we cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any data about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect our or a third party’s property and rights, to protect the safety of the public or any person, or to prevent or stop any activity we may consider to be, or to pose a risk of being illegal, unethical, inappropriate or legally actionable. We also may be required to disclose an individual’s Personal Data in response to a lawful request by public authorities, including meeting national security or law enforcement requirements.

Merger and acquisitions – we may share your data if we enter into a business transaction such as a merger, acquisition, reorganization, bankruptcy, or sale of some or all of our assets. Any party that acquires our assets as part of such a transaction may continue to use your data in accordance with the terms of this Privacy Policy.

How we protect your information

We have implemented administrative, technical, and physical safeguards to help prevent unauthorized access, use, or disclosure of your Personal Data. Your data is stored on secure servers and isn’t publicly available. We limit access of your information only to those employees or partners on a “need to know” basis, in order to enable the carrying out of the agreement between us.

While we seek to protect your information to ensure that it is kept confidential, we cannot absolutely guarantee its security. You need to help us prevent unauthorized access to your account by protecting your password appropriately and limiting access to your account. You will be solely responsible for keeping your password confidential and for all use of your password and your account, including any unauthorized use. You should also be aware that there is always some risk involved in transmitting information over the internet. While we strive to protect your Personal Data, we cannot ensure or warrant the security and privacy of your Personal Data or other content you transmit using the service, and you do so at your own risk.


We will retain your Personal Data for as long as necessary to provide our services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. Retention periods will be determined taking into account the type of information that is collected and the purpose for which it is collected, bearing in mind the requirements applicable to the situation and the need to destroy outdated, unused information at the earliest reasonable time. Under applicable regulations, we will keep records containing client personal data, trading information, account opening documents, communications and anything else as required by applicable laws and regulations.

User rights

1. Receive confirmation as to whether or not Personal Data concerning you is being processed, and access your stored Personal Data, together with supplementary information.

2. Receive a copy of Personal Data you directly volunteer to us in a structured, commonly used and machine-readable format.

3. Request rectification of your Personal Data that is in our control.

4. Request erasure of your Personal Data.

5. Object to the processing of Personal Data by us.

6. Request to restrict processing of your Personal Data by us.

7. Lodge a complaint with a supervisory authority.

How to contact us?

If you wish to exercise any of the aforementioned rights, ask us a question or receive more information, please contact us using the details provided below:

E-mail: sales@paidora-soft.com
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