Terms of Service

1. Who we are

Payorld (the “Service”) is a software platform operated by CrystalSky Digital Services LLC, a limited liability company organized under the laws of the State of Delaware, United States, with its registered address at 8 The Green, Suite A, Dover, DE 19901 (“CrystalSky”, “Payorld”, “we”, “us”, or “our”). We provide checkout and billing software that online sellers (“Merchants”, “you”) integrate into their own websites and applications. Payorld runs the commerce layer on top of your payment provider — checkout pages, subscription and recurring billing, order bumps and upsells, and a sales dashboard.

2. What Payorld is — and is not

Payorld is a technology provider (SaaS). We are not a payment processor, payment facilitator, money services business, money transmitter, bank, or merchant of record, and we do not provide financial or payment-processing services. To use the Service, you connect your own account with an independent third-party payment provider (such as Stripe). All customer payments are processed by that provider under its own terms, and funds settle directly into the account you hold with it.

Specifically, Payorld does not:

• receive, hold, or transfer merchant or end-customer funds — there are no balances, wallets, or withdrawals on our platform;
• process payments, take part in the settlement flow, or split transactions;
• store, process, or transmit cardholder data — card details are captured through the payment provider's hosted fields and pass directly from the customer's browser to the provider;
• advance funds, extend credit, or act as merchant of record.

Our revenue consists solely of a monthly subscription fee plus a fee calculated as a percentage of transaction volume, billed separately to your own payment card. Our fees are never deducted from your sales.

Because Payorld never touches customer funds or cardholder data, it operates as a technology provider and does not engage in money transmission; it does not require money-transmitter licensing or FinCEN money services business registration. PCI DSS scope is minimized through fully outsourced card capture via PCI-compliant payment providers.

3. Eligibility and accounts

• You must be at least 18 years old and able to form a binding contract.
• You must provide accurate, complete registration information and keep it up to date.
• You are responsible for safeguarding your account credentials and for all activity under your account.
• You must promptly notify us of any unauthorized use of your account at support@payorld.com.

4. Third-party payment providers

To accept payments, you must maintain an account in good standing with a supported payment provider. Your use of that provider is governed by a separate agreement between you and the provider, including, where applicable, the Stripe Connected Account Agreement and the Stripe Services Agreement. You are responsible for complying with those agreements, including all identity-verification (KYC), underwriting, and restricted-business requirements. We are not responsible for the acts, omissions, fees, holds, or decisions of any payment provider.

5. Fees and subscriptions

• Access to Payorld is offered on a recurring subscription basis. Applicable subscription fees and the software fee are described at sign-up or in your order.
• Subscription fees are billed in advance on a recurring basis and renew automatically until cancelled.
• In addition to the subscription, we charge a software fee calculated as a percentage of your transaction volume.
• All of our fees are billed separately to the payment card you provide, and are never deducted from your sales. They are separate from, and in addition to, any processing fees charged by your payment provider.
• Unless required by law or stated in our Refund Policy, fees are non-refundable. Taxes are your responsibility where applicable.
• We may change our fees on prospective notice; changes take effect at the start of your next billing cycle.

6. Your responsibilities as a Merchant

You are solely responsible for your business and its offerings. You agree that you will:

• Sell only lawful products and services and comply with all applicable laws and payment-network rules.
• Accurately describe your products, prices, billing terms, and renewal conditions to your customers.
• Publish and honor your own refund, cancellation, and privacy policies for your customers.
• Handle your customers' personal data lawfully and provide required disclosures and consents.
• Respond to customer inquiries, disputes, and chargebacks relating to your sales.
• Not use the Service for any activity listed in our Acceptable Use Policy.

7. Intellectual property

The Service, including its software, design, and content, is owned by CrystalSky and its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. You retain all rights to your own content, logos, and data, and grant us a license to host and process them solely to provide the Service.

8. Suspension and termination

You may cancel your subscription at any time as described in our Refund Policy. We may suspend or terminate your access if you breach these Terms or the Acceptable Use Policy, if required by a payment provider or by law, or to protect the Service or third parties. Upon termination, your right to use the Service ends; sections that by their nature should survive will survive.

9. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defect will be corrected. We are not responsible for the availability, performance, or decisions of third-party payment providers.

10. Limitation of liability

To the maximum extent permitted by law, CrystalSky and its officers, members, and employees will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the Service will not exceed the amount you paid to us for the Service in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless CrystalSky from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your products or services, your violation of these Terms, or your violation of any law or third-party right.

12. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law rules. Any dispute will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, unless otherwise required by applicable law.

13. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date and, where appropriate, notify you. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Contact

Questions about these Terms can be sent to legal@payorld.com.