Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of Payzuu’s website, mobile applications, and related services (together, the "Service"). Payzuu is a trading name operated by Marek Jonak, a sole trader based in the United Kingdom. References to "Payzuu", "we", "us" or "our" in these Terms refer to the operator of the Payzuu Service. By accessing or using Payzuu, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

2. The Service

Payzuu provides software tools that help businesses create, accept, manage, and track payments. Features may include payment links, QR codes, Tap & Pay, Open Amount payments, invoices, receipts, Payzuu-to-Payzuu requests, customer records, payment history, and related business tools.

Some payment features rely on regulated third-party payment providers. Payzuu provides the software interface and related business tools but does not itself hold customer funds or operate as a bank.

We may add, change, improve, suspend, or remove features from time to time as the Service develops.

3. Eligibility

You must be at least 18 years old, have legal capacity to enter into a binding agreement, and use Payzuu only for lawful business or commercial purposes. If you use the Service on behalf of a business or organisation, you confirm that you have authority to act on its behalf and bind it to these Terms.

Some payment features may also require you to meet the eligibility, verification, onboarding, and compliance requirements of our third-party payment providers. Access to those features may be limited, suspended, or unavailable if those requirements are not met.

4. Accounts and security

You are responsible for keeping your Payzuu account credentials secure and for activity carried out through your account. You must provide accurate account information and keep it reasonably up to date.

You must not share login credentials, allow unauthorised access, or use another person's account without permission. If you suspect that your account, device, or connected payment-provider access has been compromised, you must notify us promptly and take reasonable steps to secure it.

We may require additional verification or temporarily restrict access where we reasonably believe this is necessary to protect the Service, users, payment activity, or account security.

5. Fees

Payzuu charges service fees for successful payments processed using certain payment features. Unless a different price is clearly shown, the current Payzuu service fee for a standard successful payment is £0.10 where the payment amount is £10.00 or less, and £0.20 where the payment amount is greater than £10.00.

Open Amount payments are charged at 5% of the amount successfully received. Payzuu fees are recorded separately from the customer payment and may be accumulated and billed to you periodically, including through a monthly Payzuu billing statement.

Payzuu fees must be paid by the due date shown on your billing statement. If an amount remains unpaid for more than 14 days after its due date, we may send payment reminders. If an amount remains unpaid for more than 28 days after its due date, we may temporarily restrict access to some Payzuu features until sufficiently overdue amounts have been settled.

While an account is restricted for overdue Payzuu fees, access to billing and payment functionality will remain available so that outstanding amounts can be reviewed and paid. Payment reminders may continue while amounts remain overdue. Full account access will normally be restored once there are no unpaid invoices that have reached the restriction threshold.

Third-party payment providers may charge their own processing, card, settlement, currency-conversion, or other fees. Those charges are separate from Payzuu's service fees and are governed by the provider's own pricing and terms.

We may change Payzuu pricing from time to time. Where a change is material, we will take reasonable steps to notify you before the new pricing applies to future transactions.

6. Payments and third-party providers

Payment transactions made through Payzuu may be processed by regulated third-party payment providers. Depending on the payment method, the provider may handle payment authorisation, processing, settlement, refunds, disputes, chargebacks, identity verification, and other regulated payment activities.

Payzuu does not hold customer funds or act as the merchant's bank. Customer payments are processed and settled through the applicable payment provider in accordance with that provider's terms, eligibility requirements, pricing, and policies.

You are responsible for maintaining any payment-provider account required to use a payment feature and for complying with the provider's terms. Payzuu cannot guarantee that a transaction will be authorised, completed, settled, or remain undisputed.

We are not responsible for outages, delays, declined transactions, withheld settlements, account restrictions, chargebacks, or other actions taken by a third-party payment provider, except to the extent that the issue is caused directly by Payzuu's own Service.

7. Prohibited use

You must not use Payzuu for unlawful, fraudulent, deceptive, abusive, or unauthorised activity, including money laundering, terrorist financing, card testing, stolen payment credentials, misleading payment requests, or transactions involving goods or services that are illegal in the relevant jurisdiction.

You must not use the Service to impersonate another person or business, interfere with Payzuu or other users, attempt to gain unauthorised access, introduce malicious software, bypass security controls, or reverse engineer the Service except where permitted by law.

Certain businesses, products, services, or transaction types may also be prohibited or restricted by our payment providers. You are responsible for ensuring that your use of Payzuu complies with any applicable provider rules and restrictions.

We may suspend, restrict, or terminate access where we reasonably believe the Service is being used in breach of these Terms, applicable law, or payment-provider requirements.

8. Availability and support

We aim to keep Payzuu available, secure, and reliable, but we do not guarantee uninterrupted or error-free access. Maintenance, updates, internet connectivity, device limitations, third-party provider outages, or other technical issues may affect the availability of some features.

Payment features may also depend on external payment providers, banking systems, card networks, supported devices, and network connectivity. We cannot guarantee the continuous availability of those external services.

Support is available through the Payzuu Support page. Response times and available support channels may vary depending on the nature of the issue and the stage or plan of the Service.

9. Intellectual property

Payzuu and its software, branding, design, interfaces, features, and other proprietary content are owned by Payzuu or its licensors and are protected by applicable intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to use the Service for your own authorised business purposes.

You retain ownership of the business information, logos, documents, customer information, and other content that you provide through the Service. You grant Payzuu only the rights reasonably necessary to store, process, reproduce, and display that content in order to provide and operate the Service.

You must not copy, modify, distribute, sell, license, or commercially exploit Payzuu's software, branding, or proprietary content except as expressly permitted by us or by applicable law.

10. Limitation of liability

To the extent permitted by law, Payzuu is provided on an "as is" and "as available" basis. We do not guarantee that the Service will always be available, uninterrupted, secure, or free from errors.

Payzuu is not liable for indirect, incidental, special, consequential, or punitive losses, or for loss of profits, revenue, business, goodwill, data, or business opportunities arising from or connected with your use of the Service.

We are not responsible for losses caused by third-party payment providers, banks, card networks, internet or mobile connectivity, unsupported or faulty devices, merchant error, customer disputes, chargebacks, or other matters outside our reasonable control.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

11. Termination

You may stop using Payzuu at any time, subject to any outstanding fees, payment obligations, or transactions that still need to be completed. We may suspend, restrict, or terminate access to the Service where these Terms are breached, where required by law or a payment provider, or where reasonably necessary for security, fraud prevention, or protection of the Service and its users.

Where reasonably possible, we will provide notice before restricting or terminating access. Immediate action may be taken where there is suspected fraud, unlawful activity, security risk, or another urgent compliance issue.

Termination of your Payzuu account does not automatically terminate any separate account or agreement you have with a third-party payment provider. Any fees or obligations accrued before termination remain payable where applicable.

12. Changes to these Terms

We may update these Terms from time to time to reflect changes to the Service, applicable law, payment-provider requirements, pricing, or our business operations.

Where a change is material, we will take reasonable steps to notify you before it takes effect, for example by displaying a notice in Payzuu, updating this page, or contacting you using the details associated with your account.

If you continue to use the Service after updated Terms take effect, you will be treated as having accepted the updated Terms.

13. Governing law

These Terms and any dispute or claim arising out of or in connection with them or the Service are governed by the laws of England and Wales.

Subject to any rights that cannot lawfully be excluded, the courts of England and Wales will have jurisdiction over disputes relating to these Terms or the Service.

14. Contact

If you have questions about these Terms, your Payzuu account, fees, or the Service, please contact us through the Payzuu Support page.

Payzuu is operated by Marek Jonak, trading as Payzuu, in the United Kingdom.