Terms and Conditions

Welcome to NoPayn!

These Terms and Conditions outline the rules and regulations for the use of NoPayn OÜ's services and website, located at https://nopayn.io. By accessing or using our services and website, you agree to comply with these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using NoPayn.

1. Definitions

• NoPayn, we, us, ours: Refers to NoPayn OÜ, CVR-nr. EE102740530, Pärnu 139b, 11317 Tallinn, Estonia.

• Acquirer: Refers to the financial institution responsible for processing card transactions on behalf of the Merchant. This includes:

  • Rapyd Europe hf.: Dalshraun 3, 220 Hafnarfjörður, a Principal Member of Visa and MasterCard.

  • Truevo Payments Limited: A licensed acquirer and payment service provider operating across Europe, PCI DSS Level 1 certified, ensuring secure payment processing.

• Cardholder: The individual to whom a payment card has been issued.

• Merchant: The party (business or individual) who has entered into an agreement with NoPayn and Rapyd for payment services.

• Payment Service Provider (PSP): The technical gateway facilitating transactions between the Merchant and Acquirer.

2. Cookies

NoPayn uses cookies to improve user experience. By accessing our website, you consent to the use of cookies. You can manage cookies through your browser settings.

• Required Cookies: Necessary for website functionality and do not require your consent.

• Optional Cookies: Used for marketing or analytics purposes and require your consent.

• Third-Party Cookies: May apply when using third-party integrations on our website (e.g., video tools).

For more information, please refer to our Cookie Policy.

3. License and Intellectual Property

Unless otherwise stated, NoPayn OÜ and/or its licensors own all intellectual property rights for material on NoPayn.

You must not:

• Copy, republish, sell, or redistribute material from NoPayn without prior written consent.

• Use NoPayn content for unauthorized commercial purposes.

4. User Content and Comments

Parts of our website allow users to post comments and share content. NoPayn does not filter or review such content before publication but reserves the right to monitor and remove inappropriate content.

You warrant that:

• You own the rights or have consent to post the content.

• The content does not infringe intellectual property rights, contain offensive material, or promote unlawful activities.

By posting, you grant NoPayn OÜ a non-exclusive license to use, reproduce, and distribute your content.

5. Hyperlinking to Our Content

The following organizations may link to our website without prior written approval:

• Government agencies

• Search engines

• News organizations

• Online directories linking similarly to other businesses

Other organizations may request to link by contacting support@nopayn.io. Approved links must:

• Not be deceptive or imply sponsorship/endorsement.

• Fit within the context of the linking party’s site.

6. Merchant Responsibilities

Merchants must:

• Comply with Visa, Mastercard, and PCI DSS security standards for card payments.

• Inform NoPayn of changes in ownership, business models, or credit status.

• Provide accurate terms of sale to customers before processing payments.

• Maintain high service levels to avoid disputes and fraud.

Merchants are prohibited from:

• Sharing cardholder data outside of authorized entities (NoPayn, Acquirers, PSPs).

• Processing payments for third parties or illegal products/services.

7. Prohibited Activities

Merchants and users are strictly forbidden from:

• Engaging in illegal activities, including fraud, money laundering, or selling restricted goods.

• Violating intellectual property rights.

• Processing unauthorized card payments or circumventing card network rules.

For a complete list of prohibited activities, refer to our Authorized Use Policy (AUP).

8. Service Availability and Liability

• NoPayn strives for 24/7 service availability but is not liable for downtime, maintenance periods, or third-party disruptions.

• NoPayn cannot be held liable for losses due to unauthorized access, disputes, or system malfunctions.

Merchants are encouraged to maintain backup systems to minimize disruption.

9. Fees and Payments

• All fees are outlined in the Merchant Agreement and are deducted from payouts.

• Invoices for subscription fees are sent monthly, payable within 8 days.

• Failure to pay invoices on time will result in late fees in accordance with current legislation.

10. Refunds and Disputes

• Refunds must be processed using the original card used for payment.

• Merchants must provide relevant documentation for any disputed transactions.

• Excessive disputes may result in fines and/or termination of services.

11. Termination

• Either party may terminate this agreement with 30 days’ written notice.

• Immediate termination may occur in cases of gross misconduct, fraudulent activity, or failure to meet compliance requirements.

12. Limitation of Liability

To the maximum extent permitted by law:

• NoPayn is not liable for indirect, incidental, or consequential damages.

• NoPayn’s total liability will not exceed the amount of fees paid by the Merchant within the last 12 months.

13. Governing Law

These Terms and Conditions are governed by and construed in accordance with Estonian law. Any disputes will be settled in the courts of Tallinn, Estonia.

14. Contact Information

For questions, clarifications, or complaints, please contact us:

NoPayn OÜ
Pärnu 139b, 11317 Tallinn, Estonia
Email: support@nopayn.io

By using NoPayn’s services, you acknowledge and agree to these Terms and Conditions, as well as all related policies, including our Authorized Use Policy (AUP).