CardPMT brings accounts, acquiring and gateway technology together under one partner. These terms explain the rules that come with that. They are written for founders, e-commerce managers and finance leads who want the shape of a contract before a call.
Four points carry most of it. The clauses below add the detail.
These terms cover this website and every service you order from us. Your signed merchant agreement sits on top of them. Where the two differ, the signed agreement wins.
We serve companies, not consumers. You must be able to enter a contract for your business. Nothing here creates a consumer account.
An application is an offer to trade. We may approve it, ask for more, or decline. We say plainly which one it is.
Fees live in the schedule attached to your agreement. We do not add charges that were never shown to you.
These terms are an agreement between CardPMT and the business that uses our site or services. By browsing the site, sending an application or using an account, you accept them. If you accept on behalf of a company, you confirm you may bind it. If you cannot, please stop here.
You may apply for a merchant account, gateway access, cards or a business account. We then run underwriting. We will ask for company documents, ownership details, trading history and a description of what you sell. Your answers must be true and current. A file built on wrong information can be paused or closed at any point.
We review each business on its merits. That review is ours to make. We may approve with conditions, such as a reserve, a volume cap or extra reporting. We may also decline. We aim to answer in days rather than weeks once documents are complete. We tell you what is missing before we submit a file.
Use the account only for the business we approved. Tell us before you sell something new, enter a new market or change your billing model. Do not process payments for another party. Do not use the services for anything unlawful, or for activity the card schemes forbid. Scheme rules apply to you as well as to us.
Your fee schedule is issued in writing before you sign. It sets out scheme and interchange costs, our margin, settlement terms and anything conditional. Settlement runs on the cycle named there. We may hold a rolling reserve where risk calls for it. If a rate changes because a scheme changes it, we show you the new figure and its source.
You own the customer relationship, so you own refunds. Handle them under your own published policy. Chargebacks are billed back to your account with any scheme fee. We pass on the evidence request and the deadline. High dispute levels can trigger a monitoring programme run by the schemes, not by us.
Keep your API keys secret. Rotate them if a person with access leaves. You must meet the PCI DSS (payment card industry data security standard) duties that apply to your setup. Tell us within one working day if you suspect a breach. We may suspend an integration that is actively leaking card data.
We work to keep the gateway available and to fix faults quickly. Planned maintenance is announced in advance where we can. We do not promise that any service is free of every fault. A named account manager stays with your file after go-live, and you can reach the technical contact who handled your build.
The site, our software, documents and marks stay ours. You get a limited right to use them while your account is open, and only to run the services. Your brand, data and content stay yours. We use your logo only where you have agreed in writing.
Nothing here limits liability that the law says cannot be limited. Beyond that, neither side is liable for indirect loss, lost profit or lost goodwill. Any other liability is capped at the fees paid under the agreement in the period stated there. Claims must be raised promptly so evidence still exists.
Either side may end the agreement under the notice period in the signed contract. We may suspend an account sooner if the law, a scheme rule or a live security risk requires it. On closure we settle the balance due, subject to any reserve period, and you stop using our marks and keys.
We may update these terms. The date below always shows the current version. Material changes are notified to account holders before they take effect. Governing law and the forum for disputes are named in your merchant agreement. Please raise a problem with your account manager first. Most issues end there.
A payments contract works when both sides know their part. Here is ours, beside yours.