Terms of Service

01Acceptance of Terms

We may amend, update or modify these Terms at any time. Changes take effect when posted at blazingpayments.com/terms (or notified by other reasonable means) unless a later date is specified. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

By using the Services, you agree that you have read, understood and accept this Agreement and all policies incorporated by reference. If you do not agree, you are not permitted to use the Services.

02Definitions and Interpretation

Merchant of Record

The legal entity that, for each Transaction, sells the Products to the Buyer in its own name, receives and holds the Buyer's payment as principal, and is responsible for applicable taxes, refunds, chargebacks and compliance.

Buyer

An individual or entity that purchases Products from the Merchant through the Blazing Payments platform, where Blazing Payments acts as the Merchant of Record.

Fee

The total commercial deductions retained by Blazing Payments from the gross proceeds of Transactions, including the Merchant Fee, instant payout fees and any other charges agreed between the parties.

Products

Any digital goods, digital content, software, licences, subscriptions, or other items or services listed by the Merchant.

Merchant Information

All information, documents and data provided by the Merchant for onboarding, verification, due diligence, compliance or ongoing use of the Services.

Services

The services provided by Blazing Payments under this Agreement in its capacity as Merchant of Record, whereby Blazing Payments sells the Merchant's Products to Buyers in its own name, collects payment, retains the agreed amounts, and pays the Merchant the agreed net proceeds — including, where applicable, calculating and remitting taxes, issuing sales documentation, managing refunds and chargebacks, reporting, and fraud and compliance checks.

Transaction

The sale of a Product by Blazing Payments, as Merchant of Record, to a Buyer, including any subsequent refunds, chargebacks or reversals.

03Merchant of Record Role

Blazing Payments acts as the Merchant of Record for Transactions in the territories it supports. As Merchant of Record, Blazing Payments sells the Products to Buyers in its own name, receives and holds Buyer payments as principal, and is responsible for applicable taxes, refunds, chargebacks and compliance obligations. Blazing Payments works with regulated third-party providers to accept payments for its own retail sales as Merchant of Record; Blazing Payments does not provide payment services to Merchants or Buyers.

04Territorial Scope

Blazing Payments provides the Services only in the territories it supports, as determined in its sole discretion and subject to change. The Services are not available to any party located in, resident in, or operating from any jurisdiction subject to comprehensive trade or economic sanctions.

Without limitation, the Services are not available in: Afghanistan, Belarus, Central African Republic, Cuba, Democratic Republic of the Congo, Iran, Iraq, Libya, Mali, Myanmar (Burma), Nicaragua, North Korea, Russia, Somalia, Sudan, Syria, Venezuela, Yemen and Zimbabwe, and any other jurisdiction we designate.

05Services

You appoint Blazing Payments as your non-exclusive Merchant of Record for the Products in all territories we support, except as provided in Clause 4. As your Merchant of Record, Blazing Payments will:

• Set up your Merchant Account and give you access to the Merchant Dashboard to track sales, payments and amounts due.
• Act as the Merchant of Record for your Products: sell them to Buyers in our own name, receive payment as seller of record, and remit the net amount to you after applicable fees, taxes, refunds and chargebacks.
• Confirm payment to you and facilitate the Buyer’s access to the Products.
• Provide order support related to payments and handle calculation, collection and remittance of applicable sales and transaction taxes.

You may activate optional additional services at any time through the Merchant Dashboard.

06Transfer Account

Your Merchant Account is non-transferable. Any transfer or assignment of registered business URLs requires our prior written consent and is subject to:

• Security deposit: we may require a deposit, the amount and form at our discretion based on assessed risk.
• Risk assessment: a full risk and compliance review, including KYC, AML, sanctions screening and fraud checks.
• No automatic rights: any attempted transfer without our prior written consent is void.
• Liability beyond deposit: the deposit is risk mitigation only; you and/or the transferee remain fully liable for amounts exceeding it.
• Continuing liability: until a transfer is approved in writing and all requirements met, you remain fully liable for the business URLs and associated Transactions.

07Transactions

For each Transaction, Blazing Payments receives payment from the Buyer, deducts applicable fees, charges, taxes and other amounts due, and pays the agreed net amount to the Merchant per the Settlement Schedule. Deductions include any Tax due, the Fee described in Section 8, and any other charges payable under this Agreement.

08Financial Terms

The financial terms are those set out on our pricing page and in your Merchant Dashboard, and are subject to change on written notice.

Settlement of funds

Unless otherwise agreed, payouts are initiated on the schedule shown in your Dashboard for all cleared Transactions. A Transaction is cleared once settled, not subject to dispute, refund or chargeback, and past all fraud and compliance checks.

Minimum payout

A minimum payout amount applies as stated in your Dashboard. Balances below it roll forward to the next cycle. We may set a different minimum as part of a rolling reserve or risk measure.

Instant payouts

You may request instant payouts for eligible Transactions, subject to the instant payout fee published on our pricing page, system and payment-method availability, and fraud and compliance review. We may limit or refuse instant payouts.

Payout account

Payouts are made to the account you designate, which must be in your name or your entity's name. You are responsible for the accuracy of your details; we are not liable for funds sent to an incorrect account due to information you provided.

Withholding and delays

We may withhold or delay payouts where a Transaction or your account is under investigation, there are pending or excessive chargebacks or refunds, we suspect prohibited activity, it is required by law or scheme rules, or you have breached this Agreement.

Currency and conversion

Payouts are made in the currency of your payout account unless otherwise agreed. Where conversion is required, our prevailing rate and conversion fees may apply.

Virtual asset settlement (crypto)

Where you elect to receive settlement in a supported crypto asset, you acknowledge that: (a) such transfers are facilitated by us and/or our third-party virtual-asset service providers; (b) crypto assets are not legal tender and may be subject to significant value fluctuation, operational, technology and total-loss risk; (c) you are solely responsible for the security and accuracy of any wallet address you provide, and we are not liable for funds sent to an incorrect, lost or inaccessible wallet; (d) settlement may be subject to on-chain confirmation delays, network fees and Travel Rule information sharing; and (e) you have satisfied yourself that crypto settlement is lawful in every jurisdiction in which you operate.

Finality

All payouts are provisional and subject to reversal for chargebacks, refunds, disputes or errors. You remain liable for amounts paid in error or later reversed and must repay them promptly on demand.

Set-off

We may at any time set off, deduct or withhold from amounts payable to you any amounts you owe us, including refunds, chargebacks, reversals, scheme or regulator penalties, taxes, and other fees or liabilities. If amounts payable are insufficient, you must pay the balance on demand. This clause survives termination.

Taxes

Fees are exclusive of VAT, GST, sales tax and similar taxes. You are responsible for taxes applicable to the Fees, except taxes on our income.

09Merchant Onboarding

Product listing

Before listing Products, you must provide complete and accurate details of your store (name, description, contact information, website/marketplace links), a description of each Product including pricing and restrictions, and your preferred payout method.

Registration

You must register, complete email verification, and enable two-factor authentication (2FA) in your account settings.

Know Your Customer (KYC)

You must complete our KYC process, performed through a third-party provider, which may include government-ID checks, liveness verification, and device and network analysis. Certain merchants (including those offering digital goods) are subject to enhanced screening. All approved merchants are subject to ongoing monitoring, and we may reclassify your risk tier or suspend or terminate the Services at any time.

10Merchant Obligations

You must provide complete, accurate and current Merchant Information, and notify us of any changes affecting your ownership, control, business activities, financial condition or regulatory status within three business days.

You may use the Services only for legitimate transactions with your customers. You are solely responsible for the legality, quality and delivery of your Products; customer support, refunds and returns; clear disclosure of terms and pricing; and compliance with all applicable laws, scheme rules and our Acceptable Use Policy.

11Refunds and Chargebacks

Refund process

As Blazing Payments is the Merchant of Record, you must not invoice or demand payment from a Buyer directly, and must not pay a refund directly to a Buyer. Notify us of any agreed refund and we will process it.

Digital goods

Digital goods, content, software, licences and subscriptions are deemed delivered and used in full at the time the sale completes. No refunds are processed for digital goods unless required by applicable law.

Our refund rights

We may cancel a Transaction and refund the Buyer where a refund is requested within 14 days and we consider it appropriate, where we reasonably believe the Transaction was made in error or fraudulently, where it may become subject to a chargeback, or where required by law, a payment method provider or scheme rules.

Excessive chargebacks

If we determine a Product has an excessive chargeback or refund rate, we may suspend the sale of all or part of your Products, add controls to checkout, terminate the Services immediately, and/or share information with our payment providers and card schemes.

Recovery

If we prevent a chargeback or refund a Buyer, we may recover from you the full amount plus any fees and expenses we incur.

12Billing and Invoicing

As Merchant of Record, Blazing Payments operates a self-billing arrangement: we generate and issue settlement statements and self-billed invoices on your behalf for amounts payable to you. You authorise us to raise invoices in your name for sales processed by us, issue credit notes where necessary, and keep these records for accounting, tax and regulatory purposes.

You are responsible for providing accurate tax details (including VAT/GST numbers where applicable) and updating them promptly. This arrangement remains in force for the duration of this Agreement unless terminated by either party on 30 days' written notice.

13Representations and Warranties

• You are validly existing and in good standing (or, if an individual, at least 18 years old).
• All information you provide is true, accurate, complete and current, and you will notify us of changes.
• You will comply with all applicable laws, scheme rules and our Acceptable Use Policy.
• All Transactions are genuine, authorised by the Buyer, and a bona fide sale of Products you have the legal right to sell.
• Your Products are accurately described and priced, delivered as promised, lawful, and do not infringe third-party rights.
• You are solely responsible for your relationship with Buyers, including support, fulfilment, returns and refunds.
• You are responsible for assessing and remitting your applicable taxes, except where we are expressly responsible.
• You will not use the Services for illegal, fraudulent, deceptive or prohibited activity.

14Disclaimer and Limitation of Liability

To the fullest extent permitted by law, the Services are provided "as is" and we disclaim all warranties, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement.

To the fullest extent permitted by law, in no event will Blazing Payments, its partners, payment processors, acquiring banks, service providers, affiliates, or their respective officers, employees or agents be liable for any special, incidental, indirect, punitive, exemplary or consequential damages arising out of or in connection with this Agreement or the Services.

15Confidentiality

The parties may share Confidential Information for the purposes of this Agreement, and the receiving party shall not use or disclose it except as permitted. This does not apply to information rightfully received without obligation, independently developed, or that becomes public other than through a breach.

16Privacy

Each party acts as an independent Data Controller for the purposes of applicable data protection laws and agrees to comply with them, including the UK GDPR and EU GDPR where applicable. We maintain appropriate safeguards for personal data, as described in our Privacy Policy.

17Dormant Accounts

If you have no sales for two consecutive months and an outstanding balance is payable to you, we may charge a dormancy fee and/or deactivate your account. Dormant accounts with a negative balance and no sales in the preceding 15 days may be deactivated immediately.

18Termination

Either party may terminate on at least 30 days' written notice. Either party may terminate immediately on a non-remediable material breach, a material breach not cured within 14 days of notice, revocation of a required licence, or insolvency.

We may terminate immediately if required by our payment processors or acquiring banks; if you or an associated controlling person appears on a high-risk or restricted list; if a representation or warranty is false; on suspected fraud, criminal activity or regulatory non-compliance; on an excessive chargeback rate; or on a breach of the Acceptable Use Policy.

19Rights and Obligations on Termination

Termination or suspension does not release either party from payment obligations accrued before termination. We may retain amounts payable to you to cover potential refunds, chargebacks and other liabilities.

On termination we will cease providing the Services and disable access, and return or destroy confidential information unless legally required to retain it. Retained funds are released on the later of six months after termination or the expiry of the longest subscription period sold before termination, minus any deductions.

20General Provisions

• Entire agreement: this Agreement is the entire agreement between the parties.
• Assignment: neither party may assign or subcontract without written consent.
• Force majeure: neither party is liable for delays caused by events beyond its reasonable control.
• Waiver: no delay or omission in enforcing a right is a waiver.
• Severability: if any clause is invalid, the remainder stays in effect.
• Independent contractors: the parties are independent contractors, not agents, partners or employees.
• Notices: notices must be given in writing or by email to the addresses provided.

21Governing Law and Jurisdiction

This Agreement is governed by the laws of the country in which Blazing Payments is established, and the courts of that country have exclusive jurisdiction over any dispute arising out of or in connection with it (including non-contractual disputes).