Terms of service

Last updated: March 2026

1. Acceptance of the Terms

By accessing, registering or using RiskPayGo (hereinafter, the "Service"By using this service, you agree to be bound by these Terms of Service. If you do not agree to them, you must not use the Service.

These Terms govern access to and use of the platform, tools, dashboards, payment links, integrations, APIs and other functionalities offered by RiskPayGo.

2. Service Description

RiskPayGo me and comprehensive provider of high-risk payments which offers its own infrastructure for the management and processing of payments from businesses considered high risk or with difficulty accessing traditional providers.

The Service may include, among other features:

  • payment processing;

  • generation of payment links;

  • transaction control and tracking panel;

  • payment status management;

  • technical integrations, compatible APIs or modules;

  • settlements in accordance with the operating conditions in force on the platform;

  • fraud control, review and prevention tools.

RiskPayGo does not act as a simple plugin, connector or isolated technical intermediary, but as a provider of the payment system offered to its users, without prejudice to the fact that it may rely on technological, banking, acquiring or third-party infrastructure for the proper provision of the Service.

3. Eligibility and Account Registration

To use the Service, the user must create an account and provide truthful, complete, and up-to-date information.

By registering, you agree to:

  • provide accurate information about your identity, activity and business;

  • maintain the confidentiality of your credentials;

  • immediately notify us of any unauthorized use of your account;

  • assume responsibility for all activity carried out from your account;

  • cooperate with any reasonable request for verification, compliance, or operational review.

RiskPayGo may reject registration applications, suspend reviews, or deny access to the Service at its sole discretion, especially when there are indications of fraud, excessive risk, regulatory non-compliance, or prohibited activity.

4. Verification, Compliance and Due Diligence

You authorize RiskPayGo to carry out identity verification processes, business, commercial activity, origin of funds, website, products, services offered, corporate documentation, as well as any other review that is reasonable for the prevention of fraud, money laundering, terrorist financing, abuse of the system or regulatory non-compliance.

RiskPayGo may request additional documentation at any time, including, but not limited to:

  • identity documents;

  • corporate documentation;

  • proof of ownership of the website or business;

  • invoices, contracts or proof of activity;

  • commercial or financial information;

  • explanation of the business model, traffic, or customer sources.

Refusal to cooperate or the provision of false, incomplete or misleading information may result in the immediate suspension or cancellation of the account.

5. Payment Processing

By using the Service, you acknowledge and agree that:

  • RiskPayGo processes payments according to its operational, risk, and compliance criteria;

  • not all transactions will necessarily be approved;

  • Certain transactions may be rejected, reviewed, delayed, held, or cancelled for reasons of risk, security, compliance, or suspicion of fraud;

  • Settlement times, available currencies, fees, reserves, limits and operating conditions may depend on the trade's profile, activity, history and risk level;

  • The user is responsible for ensuring that the payment details, settlement addresses, wallets, accounts or technical credentials provided are correct and up-to-date;

  • The user is responsible for ensuring that the products or services sold match those actually offered to the end customer.

RiskPayGo may set volume limits, maximum or minimum amounts, reservation percentages, temporary holds or additional controls when it deems it necessary to protect the platform, other users or third parties.

6. Rates, Commissions and Reservations

Use of the Service is subject to the fees, commissions, operating costs, subscriptions or prices indicated on the website, in the user panel, in the accepted commercial offer or in any applicable contractual communication.

The user agrees that:

  • Rates may vary depending on the plan, volume, activity, risk, payment method, currency, or market;

  • Reservations, temporary holds or adjustments may be applied due to chargebacks, fraud, disputes, returns or operational contingencies;

  • RiskPayGo may offset amounts owed with funds pending settlement;

  • Unless expressly stated otherwise, all fees are non-refundable.

7. Prohibited Activities

It is not permitted to use the Service for illegal, fraudulent, deceptive activities or activities contrary to RiskPayGo's internal policies.

Without limiting the foregoing, the following uses of the Service are prohibited:

  • fraud or impersonation;

  • money laundering or terrorist financing;

  • illicit products or services;

  • child exploitation or any illegal sexual content;

  • sale of illegal drugs;

  • sale of weapons prohibited by applicable law;

  • infringement of intellectual property rights;

  • malware, attacks, technical manipulation or abuse of the platform;

  • activities that generate an unacceptable level of risk according to RiskPayGo's criteria.

RiskPayGo may update its criteria for accepting, rejecting, or restricting activities at any time.

8. Refunds, Disputes and Chargebacks

Unless otherwise required by applicable law, transactions processed through the Service will be handled in accordance with the user's business policy and RiskPayGo's internal procedures.

The user acknowledges and accepts that:

  • Refunds may be subject to operational review and approval;

  • Disputes, claims and chargebacks may generate costs, holds or balance adjustments;

  • RiskPayGo may hold funds while it investigates suspicious or disputed transactions;

  • RiskPayGo may deduct from future settlements any amount related to refunds, chargebacks, penalties, operational sanctions or losses caused by the user's activity.

The user will be liable to RiskPayGo for losses, costs and damages arising from fraud, deceptive activity, breach of these Terms or an excessive level of returns or claims.

9. User Obligations

The user agrees to:

  • comply with all regulations applicable to their activity and jurisdiction;

  • clearly inform your customers about prices, conditions, subscriptions, refunds and contact details;

  • do not use misleading descriptions or abusive business practices;

  • maintain reasonable security measures on your website, business or integration;

  • to diligently address legitimate customer complaints;

  • not to harm the reputation, operations or security of RiskPayGo.

10. Suspension, Retention and Termination

RiskPayGo may, at any time and without prior notice when necessary:

  • suspend access to the Service;

  • block payments or new transactions;

  • temporarily retain funds;

  • limit functionalities;

  • cancel user account.

This may occur, among other reasons, due to:

  • suspicion of fraud or illegal activity;

  • breach of these Terms;

  • insufficient or false documentation;

  • unusual increase in risk;

  • excessive claims, chargebacks, or serious incidents;

  • legal or regulatory requirements;

  • protection of the security or integrity of the platform.

Termination of the account will not extinguish the user's outstanding obligations nor prevent RiskPayGo from exercising rights of set-off, retention or claim.

11. Intellectual Property

All software, design, content, branding, documentation, dashboards, interfaces, technology and elements of the Service are the property of RiskPayGo or its licensors.

Copying, reproduction, modification, distribution, reverse engineering, unauthorized exploitation or use other than that strictly permitted to access the Service is prohibited.

12. Service Availability

RiskPayGo will make reasonable efforts to maintain the availability of the Service, but does not guarantee uninterrupted, error-free operation or compatibility with any system, country, issuer, bank, network or device.

The Service may be affected by maintenance, technical incidents, blockages, third-party controls, network outages, verifications, geographical limitations, banking restrictions, or other causes beyond RiskPayGo's reasonable control.

13. Exclusion of Guarantees

The Service is offered “exactly” and “subject to availability”, without express or implied warranties of any kind, including, without limitation, warranties of merchantability, fitness for a particular purpose, continuous availability, absence of errors or guaranteed commercial results.

RiskPayGo does not guarantee that using the Service will allow you to approve all transactions, maintain specific acceptance rates, avoid external blocks, or ensure specific revenues.

14. Limitation of Liability

To the fullest extent permitted by law, RiskPayGo will not be liable for any indirect, incidental, special, consequential, or lost profits, loss of revenue, loss of customers, loss of reputation, loss of data, or other damages arising from:

  • use or inability to use the Service;

  • rejected, withheld or reversed payments;

  • third-party fraud;

  • technical issues;

  • actions of banks, networks, acquirers, issuers or external providers;

  • regulatory or legal blocks;

  • User errors in configuration, integration, or data supply.

In any case, RiskPayGo's total accumulated liability to the user will not exceed the amount actually paid by the user to RiskPayGo during the three (3) months prior to the event giving rise to the claim, unless applicable law requires otherwise.

15. Compensation

The user agrees to defend, indemnify, and hold harmless RiskPayGo from and against any and all claims, damages, costs, penalties, losses, liabilities, and expenses (including reasonable fees) arising from:

  • misuse of the Service;

  • breach of these Terms;

  • legal or regulatory violation;

  • end-customer complaints;

  • fraud, chargebacks or deceptive activity;

  • violation of third-party rights.

16. Modifications to the Terms

RiskPayGo may modify these Terms at any time. The updated version will be posted on this page with its effective date.

Continued use of the Service after the posting of changes will constitute acceptance of the updated Terms.

17. Applicable Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [indicar país o jurisdicción aplicable]without prejudice to any mandatory rules that may apply.

Any dispute arising from these Terms or the use of the Service will be submitted to the courts of [indicar ciudad y país]unless otherwise provided by applicable law.

18. Contact

If you have questions about these Terms of Service, you can contact RiskPayGo through:

dnbpedregosa@gmail.com
https://riskpaygo.com/contacto/
https://t.me/+A7gDZFJQ1X0zYTIy

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