Terms of Use

1. Scope of Services

The Company provides technology and integration services through the Platform, which may include:

• Integration with supported third-party payment service providers and payment channels;
• Payment initiation, routing, checkout, payment links, QR payments, card payments, and other supported payment methods;
• Merchant and sub-account management, API credentials, and related developer tools;
• Transaction status monitoring, records, notifications, and webhook functionality;
• Reconciliation and payment-status verification tools where supported by the applicable provider;
• Settlement-related records, wallet or balance presentation, payout initiation and management tools where available;
• Reporting, analytics, invoices, and other merchant operational tools; and
• Other related technology services introduced or made available through the Platform.

The availability, behavior, limits, processing times, settlement schedules, and supported payment methods may vary depending on the Merchant's configuration and the applicable third-party provider.

The Company may modify, enhance, suspend, restrict, or discontinue any feature or portion of the Platform, subject to applicable law and any contractual commitments.

2. Eligibility

Users must:

• Be at least eighteen (18) years of age;
• Possess legal capacity to enter into binding agreements;
• Be duly authorized to represent any business entity registered on the Platform; and
• Comply with applicable laws, regulations, payment network rules, and industry requirements.

3. Account Registration and Verification

Merchants shall provide complete, accurate, and current information during registration and throughout the duration of their use of the Platform.

The Company may request additional information or documentation for identity and business verification, customer due diligence, Know-Your-Customer (KYC) or Know-Your-Business (KYB), Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), fraud prevention, provider onboarding, and other compliance purposes.

Access to particular providers, payment methods, payout channels, limits, or other features may be subject to additional approval or verification by the Company or the applicable third-party provider.

4. Merchant Accounts, Sub-Accounts, and Credentials

Merchants are responsible for maintaining the confidentiality and security of their accounts, passwords, API keys, tokens, webhook credentials, and other access credentials.

The Platform may allow a Merchant to create or operate one or more sub-accounts. Transactions, balances, credentials, configurations, and permissions may be associated with a particular sub-account. The Merchant is responsible for the activities of its authorized users and sub-accounts.

Merchants shall promptly notify the Company of suspected unauthorized access, compromised credentials, or other security incidents. The Company may revoke, rotate, suspend, or require replacement of credentials where reasonably necessary for security or compliance.

5. Merchant Responsibilities

Merchants shall:

• Conduct only lawful and legitimate business activities;
• Provide accurate transaction and payer information when such information is submitted through the Platform;
• Obtain all required customer notices, consents, and authorizations;
• Maintain appropriate security controls over systems and credentials used to access the Platform;
• Promptly update account and business information when changes occur;
• Maintain clear customer-facing terms, privacy notices, refund or cancellation policies, and contact information as applicable to their business;
• Cooperate with reasonable investigations, audits, disputes, reconciliation reviews, and compliance requests; and
• Comply with the rules and requirements of the applicable third-party payment providers and payment networks.

Merchants remain responsible for their products, services, fulfillment, pricing, taxes, customer service, and disputes with Customers.

6. Prohibited Activities

The Platform shall not be used for illegal, fraudulent, deceptive, unauthorized, abusive, or prohibited activities, including activities prohibited by applicable law or by the rules of an applicable payment provider, financial institution, card scheme, payment network, or regulator.

Without limiting the foregoing, prohibited use may include money laundering, terrorism financing, sanctions violations, unauthorized money transmission, fraudulent transactions, and the sale or facilitation of goods or services prohibited by applicable law or the applicable provider.

The Company may update or apply additional restrictions where required by law, risk controls, or provider requirements.

7. Third-Party Payment Providers

The Platform integrates with independent third-party payment service providers, banks, financial institutions, payment networks, and related service providers (collectively, "Payment Providers").

Payment Provider services are subject to their own terms, policies, technical requirements, transaction limits, operating hours, availability, compliance controls, and processing timelines. A Payment Provider may approve, decline, delay, reverse, suspend, or otherwise restrict a transaction or service independently of Integralink.

The Company does not guarantee uninterrupted availability of any Payment Provider or payment channel and is not responsible for outages, maintenance, processing delays, declines, or other acts or omissions that are outside the Company's reasonable control. The Company may route or make available transactions through supported providers according to the Merchant's configuration, service availability, and applicable Platform rules.

8. Transaction Processing and Status

The Platform facilitates the technical initiation, routing, recording, and management of payment transactions between Merchants and supported Payment Providers. Integralink is not a party to the underlying sale or service transaction between the Merchant and the Customer.

Transaction statuses displayed by the Platform may be based on information received from Payment Providers through APIs, callbacks, webhooks, reconciliation queries, or other supported mechanisms. Provider confirmation may be required before a transaction is treated as successfully completed.

The Company may prevent, suspend, delay, cancel, or restrict the technical processing of a transaction where reasonably necessary because of suspected fraud, security concerns, compliance requirements, duplicate or invalid requests, provider unavailability, transaction limits, or other operational risks.

Merchants should not treat a payment as final solely on the basis of a Customer screenshot, browser return page, or other unverified evidence where provider confirmation is required.

9. Settlement, Balances, and Payouts

Where the Platform displays balances, settlement dates, upcoming amounts, or payout information, such information is based on Platform records and information received from the applicable Payment Provider.

Actual settlement, release, transfer, or deposit of funds may be performed by or depend on the applicable Payment Provider, bank, payment network, or financial institution. Settlement and payout timing may therefore be subject to provider settlement cycles, banking days, verification, transaction status, fees, reserves, reversals, refunds, chargebacks, limits, maintenance, and regulatory or operational requirements.

Where payout functionality is made available through the Platform, the Merchant must provide accurate destination account information and comply with applicable payout limits and channel requirements. The Company does not guarantee a specific completion time when completion depends on a third-party provider or financial institution.

Nothing in the Platform's presentation of a balance, settlement estimate, or payout status constitutes a representation that Integralink itself is a bank, deposit-taking institution, e-money issuer, acquiring bank, or remittance provider.

10. Fees and Taxes

Merchants shall pay all applicable Platform fees, transaction fees, provider-related fees, payout fees, taxes, and other charges disclosed or agreed in connection with the use of the Platform.

Fees may vary by payment method, provider, card origin, transaction type, Merchant configuration, or other applicable pricing arrangement. The Company may revise its fees upon prior notice where required by the applicable agreement or law.

Third-party Payment Providers may impose their own charges, adjustments, taxes, or deductions.

11. Refunds, Chargebacks, Reversals, and Customer Disputes

Merchants are responsible for establishing and communicating their own customer-facing refund and cancellation policies and for resolving disputes concerning the goods or services they provide.

Refunds, chargebacks, reversals, and similar adjustments may be subject to the rules, approval requirements, fees, processing timelines, and technical capabilities of the applicable Payment Provider, acquiring institution, bank, card scheme, or payment network.

Where supported, Integralink may provide technical functionality to initiate, record, display, reconcile, or otherwise facilitate a refund or related adjustment. Integralink does not guarantee that a third-party provider will approve or complete a refund, chargeback, or reversal within a particular period.

The Merchant remains responsible for amounts, fees, losses, liabilities, or adjustments properly attributable to its transactions, subject to the applicable agreement, provider rules, and law.

This section does not replace the Company's separate Refund Policy, where applicable.

12. Reconciliation and Records

The Platform may provide transaction-status checking, reconciliation requests, reports, exports, webhook records, and related tools to assist Merchants in identifying or resolving transaction discrepancies.

Availability of reconciliation depends on the capabilities of the applicable Payment Provider. Certain providers or payment methods may not support automated status rechecking or reconciliation.

Merchants are responsible for reviewing their transaction records and promptly reporting material discrepancies through the available support or reconciliation channels.

13. Compliance and Monitoring

The Company may monitor Platform activity and transaction information for security, fraud prevention, operational integrity, provider requirements, and compliance with applicable laws and regulations, including applicable anti-money laundering and data privacy requirements.

Merchants agree to provide reasonably requested records and documentation when necessary for compliance, provider review, transaction investigation, dispute handling, or risk management.

The Company may restrict access to particular features, providers, transactions, or accounts where reasonably necessary to comply with legal, regulatory, security, or provider requirements.

14. Privacy and Data Protection

Personal data processed through the Platform shall be handled in accordance with the Company's Privacy Policy and applicable data protection laws.

Merchants are responsible for ensuring that they have a lawful basis and all required notices or consents for personal data they submit to the Platform, including payer information.

Where transaction information must be transmitted to a Payment Provider to perform a requested service, the Merchant acknowledges that the relevant data may be processed by that provider in accordance with applicable law and the provider's own privacy practices.

15. Webhooks, APIs, and Integrations

Merchants using the Platform's APIs, webhooks, or other integration features are responsible for implementing them securely and in accordance with the Company's technical documentation.

Merchants must protect API credentials, validate webhook messages using the supported verification mechanism where applicable, implement reasonable idempotency and error-handling controls, and avoid exposing sensitive credentials in client-side applications or public repositories.

The Company may introduce, modify, deprecate, version, rate-limit, or disable API functionality where reasonably necessary for security, reliability, provider compatibility, or Platform maintenance.

16. Intellectual Property

All rights in the Integralink Platform, including its software, interfaces, trademarks, documentation, reports, designs, and related materials, remain the property of the Company or their respective licensors.

No rights are granted except those expressly provided under these Terms or another written agreement with the Company. Merchants retain ownership of their own trademarks, content, and business data, subject to the rights reasonably required for the Company to operate and provide the Platform.

17. Suspension and Termination

The Company may suspend, restrict, or terminate access to all or part of the Platform for breach of these Terms, suspected fraud or unlawful activity, security incidents, regulatory or compliance concerns, provider requirements, non-payment of applicable fees, or material risk to the Company, Payment Providers, Merchants, Customers, or the Platform.

Where practicable and legally permitted, the Company may provide notice or an opportunity to address the issue. Immediate restriction may be applied where necessary to protect funds, users, systems, or comply with legal or provider requirements.

Termination does not relieve the Merchant of obligations, fees, liabilities, disputes, chargebacks, refunds, reversals, or other amounts arising before termination.

18. Service Availability and Disclaimer

The Company aims to maintain reliable Platform availability but does not warrant that the Platform or any third-party Payment Provider will be uninterrupted, error-free, or continuously available.

Maintenance, telecommunications failures, provider outages, banking interruptions, network failures, force majeure events, regulatory actions, and other circumstances outside the Company's reasonable control may affect transaction processing or Platform availability.

Except as required by law or expressly agreed in writing, the Platform is provided on an "as available" basis.

19. Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, revenue, business opportunities, goodwill, or data, arising from use of or inability to use the Platform.

To the extent permitted by law, the Company shall not be responsible for losses caused solely by the acts, omissions, outages, declines, delays, settlement decisions, or other actions of independent Payment Providers, banks, financial institutions, payment networks, or other third parties outside the Company's reasonable control.

Except where a different limitation is stated in a separate written agreement, the Company's aggregate liability arising from the Platform shall not exceed the total fees paid by the Merchant to the Company during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

20. Indemnification

To the extent permitted by law, the Merchant shall indemnify and hold harmless the Company, its directors, officers, employees, affiliates, and partners from third-party claims, damages, liabilities, penalties, losses, or reasonable expenses arising from the Merchant's unlawful activities, breach of these Terms, violation of applicable law, infringement of third-party rights, products or services, customer disputes, or misuse of the Platform.

21. Governing Law and Disputes

These Terms shall be governed by the laws of the Republic of the Philippines.

Any dispute arising from these Terms shall be subject to the jurisdiction of the proper courts of Quezon City, Philippines, unless otherwise required by applicable law or agreed in writing by the parties.

22. Amendments

The Company may amend these Terms from time to time to reflect changes in the Platform, Payment Provider requirements, applicable laws, security practices, or business operations.

Where appropriate, material changes may be communicated through the Platform, website, email, or other reasonable means. Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the revised Terms, subject to applicable law.

23. Recurring Payments

Where a Merchant enables recurring payment functionality through Integralink and a supported Payment Provider, the Customer or Cardholder must authorize the recurring payment arrangement before recurring charges are initiated.

By agreeing to recurring payments, the Cardholder authorizes the applicable Payment Provider, including PayMongo where applicable, to automatically charge the authorized credit or debit card or other supported payment method in accordance with the billing amount, frequency, and schedule established by the Merchant and agreed to by the Cardholder, until such authorization is cancelled or revoked in accordance with the applicable cancellation process.

Recurring payments may be charged at the beginning of each applicable billing cycle or on another billing date disclosed and agreed to by the Cardholder.

The Merchant is responsible for clearly communicating the applicable subscription or recurring payment terms, including the amount or pricing basis, billing frequency, billing date or cycle, cancellation procedure, and any changes to the recurring payment arrangement.

The Merchant is responsible for notifying the Cardholder regarding the status of recurring payments and for addressing Customer inquiries concerning the underlying subscription, product, or service. The applicable Payment Provider shall not be responsible for the Merchant's failure to provide such notice.

The Cardholder acknowledges that the billing cycle and amount to be charged are based on the instructions submitted by the Merchant to Integralink and the applicable Payment Provider, subject to the terms agreed to by the Cardholder.

Integralink facilitates the technical integration and transmission of recurring payment instructions to supported Payment Providers. Actual authorization, charging, processing, approval, decline, and settlement of recurring payments are performed by or depend upon the applicable Payment Provider and financial institutions.

Recurring charges may fail or be declined due to insufficient funds, expired or replaced payment credentials, issuer restrictions, provider restrictions, revoked authorization, technical issues, or other circumstances outside Integralink's reasonable control.

The Cardholder may revoke or cancel recurring payment authorization in accordance with the cancellation process provided by the Merchant and any applicable Payment Provider requirements. Cancellation of recurring payment authorization does not automatically cancel or discharge any separate contractual obligations that the Cardholder may have to the Merchant.

24. Contact Information

Questions regarding these Terms or the Integralink Platform may be directed to: