Terms of Service

​

​

These Terms of Service (“Terms”) govern your access to and use of the website, portals, content, applications, interfaces, tools, products, and services made available by Vevo Payments NA LLC, an Oklahoma limited liability company (“Vevo Payments,” “Company,” “we,” “us,” or “our”). By accessing, browsing, registering for, logging into, or otherwise using the website or any related services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, as well as any additional policies, agreements, schedules, disclosures, and program documents incorporated by reference.

If you do not agree to these Terms in their entirety, you must immediately discontinue use of the website and any associated services.

​

1. Scope and Applicability
These Terms apply to all visitors, users, applicants, merchants, business owners, authorized representatives, agents, employees, and other persons or entities who access or use our website or any services made available through it. These Terms also apply to any interaction with Vevo Payments through digital platforms, merchant portals, onboarding systems, support channels, electronic communications, or other online tools we make available from time to time.

To the extent you enter into a separate merchant application, merchant processing agreement, independent sales organization agreement, gateway agreement, referral agreement, pricing schedule, program guide, or other written contract with us, such agreement will govern the subject matter it addresses, and these Terms will govern website use and any matters not otherwise addressed in that separate agreement.

​

2. Company Overview
Vevo Payments NA LLC is engaged in the merchant services and payment processing industry and may, directly or indirectly, provide or facilitate access to payment acceptance, merchant onboarding, risk management, transaction routing, settlement support, reporting, fraud mitigation, and related financial technology services for business clients. Our platform may also include support for card-present, card-not-present, e-commerce, mobile, recurring billing, invoicing, and omnichannel payment environments.

We reserve the right to modify, enhance, expand, limit, suspend, or discontinue any aspect of the website or our services at any time, in our sole discretion, subject to applicable law and any controlling written agreement.

​

3. Eligibility and Authority
You may use the website only if you are at least eighteen (18) years of age, are legally capable of entering into binding contracts, and are authorized to act on behalf of the business or entity you represent. By using the website or submitting any application, form, or request through it, you represent and warrant that:

you have full authority to bind the applicable business or organization;

all information you provide is truthful, complete, current, and not misleading;

your use of the website and services is lawful and consistent with these Terms;

you are not prohibited from doing business with us under any applicable law, regulation, sanction, or restriction.

If you are using the website on behalf of a company, partnership, trust, nonprofit, or other entity, you agree that these Terms bind both you personally and the entity you represent, to the extent permitted by law.

​

4. Account Creation and Security
Certain features may require registration or account creation. If you create an account, you agree to provide accurate, complete, and current information and to maintain the confidentiality of your login credentials, authentication methods, and access devices. You are solely responsible for all activity conducted through your account, whether authorized by you or not, unless otherwise required by law.

You must notify us immediately if you become aware of any unauthorized use of your account, password compromise, suspected fraud, or other security incident affecting your access to the website or services. We may require additional identity verification, multi-factor authentication, or security procedures as a condition of access.

​

5. Merchant Services Relationship
If you apply for, receive, or use merchant services through Vevo Payments, your relationship with us may be subject to one or more separate agreements, including merchant underwriting requirements, program rules, sponsor bank policies, card network rules, operating procedures, and service-level limitations. These Terms are not intended to replace any formal merchant agreement, but rather to supplement the website and related digital experience.

We may, in our discretion, approve or decline applications, impose processing limits, establish funding conditions, require additional documentation, or suspend services in order to manage credit, fraud, regulatory, reputational, operational, or chargeback risk.

​

6. Permitted Use of the Website
You may use the website solely for legitimate business purposes and in compliance with all applicable laws, regulations, and contractual obligations. You agree not to:

use the website for any unlawful, fraudulent, deceptive, abusive, or harmful purpose;

interfere with, disrupt, disable, degrade, or burden the website, servers, systems, or networks;

attempt to gain unauthorized access to any account, system, data, or content;

probe, scan, test, or circumvent security or authentication controls;

upload or transmit malware, worms, viruses, ransomware, or malicious code;

use automated means, bots, scrapers, crawlers, or data-mining tools without authorization;

misrepresent your identity, business, affiliation, or authority;

violate intellectual property, privacy, publicity, or proprietary rights;

submit false, fraudulent, or misleading payment, business, or underwriting information.

We reserve the right to investigate, suspend, or restrict access if we determine, in our discretion, that your use of the website poses a security, legal, operational, or reputational risk.

​

7. Underwriting, Risk Review, and Verification
As a merchant services provider, processor, facilitator, or related business services company, we may review information you submit to assess identity, ownership, beneficial ownership, business legitimacy, financial stability, processing history, refund behavior, dispute exposure, fulfillment model, creditworthiness, product category, and other factors relevant to risk and compliance.

You authorize us to request, collect, verify, and review information from third parties, including credit bureaus, identity verification providers, banks, payment networks, processors, government sources, and fraud prevention vendors, where permitted by law. You also authorize us to make risk-based determinations regarding your application, account, transactions, reserves, funding schedules, holds, or continuation of services.

We may request updated documentation at any time, including but not limited to:

formation documents;

ownership and control information;

government-issued identification;

tax documentation;

processing statements;

financial statements;

refund or chargeback records;

shipping or fulfillment policies;

website screenshots;

product or service descriptions;

supplier invoices or inventory records.

Failure to provide requested information in a timely manner may result in delayed approval, delayed funding, account limitations, reserve requirements, or termination.

​

8. Transaction Processing and Authorization
Where applicable, you authorize Vevo Payments and its partners, affiliates, processors, acquiring institutions, sponsor banks, payment networks, gateways, and service providers to receive, transmit, process, authorize, capture, settle, reconcile, reverse, adjust, and report on payment transactions submitted through the services.

You acknowledge and agree that:

transactions may be subject to issuer approval, network rules, operational exceptions, fraud review, and interchange or scheme requirements;

authorization of a transaction does not guarantee settlement, finality, or immunity from reversal, chargeback, or dispute;

the timing of settlement and funding may vary based on risk controls, cutoff times, weekends, holidays, network timing, bank availability, and other factors;

we may reject, suspend, delay, or reverse transactions where required or permitted by law, network rules, bank instructions, or risk-management protocols.

​

9. Fees, Surcharges, and Taxes
You are responsible for all fees, charges, assessments, service costs, penalties, and taxes associated with your use of the website or services. Fees may include, without limitation:

application fees;

onboarding fees;

monthly service fees;

gateway or platform fees;

transaction fees;

batch fees;

statement fees;

chargeback and retrieval fees;

compliance fees;

PCI noncompliance fees;

early termination fees;

reserve offsets;

returned item fees;

network assessments;

regulatory or sponsor bank pass-through charges.

Unless otherwise expressly stated in writing, all fees are nonrefundable. You are solely responsible for any sales, use, gross receipts, excise, or other taxes imposed on your use of the services, excluding taxes on our net income.

​

10. Funding Holds, Reserves, and Setoff Rights
Given the nature of merchant services and the inherent exposure to fraud, disputes, refund risk, and negative balance risk, we may establish one or more reserve mechanisms, including rolling reserves, minimum reserves, lump-sum reserves, delayed funding schedules, or transaction holds. These measures may be imposed at onboarding or at any time thereafter based on a variety of factors, including but not limited to:

your industry or business model;

historical or projected chargeback rates;

processing volume;

average ticket size;

refund frequency;

fulfillment timing;

seasonal volatility;

financial condition;

underwriting results;

fraud indicators;

card network or sponsor bank requirements.

We may apply reserves or exercise setoff rights to recover amounts owed to us or any related party arising from chargebacks, refunds, reversals, fees, fines, penalties, assessments, indemnity claims, returned items, fraud losses, or other liabilities. Unless prohibited by law or a separate agreement, you authorize us to debit any account you have provided or to retain funds otherwise payable to you to satisfy such obligations.

​

11. Chargebacks, Retrieval Requests, and Disputes
You are solely responsible for managing your customer relationships, product quality, service delivery, disclosures, shipping, cancellation policies, and refund processes. Chargebacks and disputes are an inherent part of card acceptance and payment acceptance generally. You agree that you bear the primary responsibility for minimizing disputes and maintaining chargeback levels within acceptable thresholds.

In the event of a retrieval request, inquiry, reversal, or chargeback, you must promptly provide all requested documentation, evidence, correspondence, tracking data, proof of delivery, terms and conditions, customer authorizations, fulfillment records, and any other materials reasonably required to contest or respond to the dispute.

You acknowledge that:

we do not control cardholder banks, issuing banks, card networks, or dispute outcomes;

even properly documented transactions may be reversed;

excessive or unusual chargeback activity may trigger reserve requirements, account review, restrictions, or termination;

fees and network assessments associated with chargebacks may be charged to you regardless of dispute outcome, unless prohibited by law or a separate written agreement.

​

12. Refunds, Cancellations, and Customer Policies
You are solely responsible for establishing, publishing, and enforcing your own refund, return, cancellation, recurring billing, subscription, and service-delivery policies. Those policies must be clear, accurate, conspicuous, and lawful, and they must be made available to your customers prior to or at the time of purchase where required.

You must honor your disclosed policies and comply with all applicable legal and network requirements relating to refunds, credits, recurring billing disclosures, trial offers, cancellation rights, and consumer communications. You may not use refunds or credits in a deceptive manner or in a way that circumvents regulatory, network, or underwriting rules.

​

13. Acceptable Business Conduct
You agree to operate your business in a professional, lawful, and transparent manner. You further agree not to use the website or services in connection with any activity that is deceptive, abusive, exploitative, or otherwise inconsistent with the standards expected of a high-trust payments provider.

Prohibited conduct includes, without limitation:

processing transactions for unauthorized, fictitious, or non-disclosed goods or services;

using false descriptors or misleading statements;

engaging in laundering, layering, structuring, or deceptive routing;

failing to deliver products or services as represented;

operating hidden trial, continuity, or negative-option programs without proper disclosure;

using the services to evade laws, sanctions, or contractual restrictions;

sharing or reselling access without authorization.

​

14. Prohibited and Restricted Activities
We may prohibit or restrict certain business categories, products, services, geographies, transaction types, or processing models at any time. Prohibitions may be imposed due to legal, compliance, reputational, financial, operational, sponsor bank, or card network considerations.

We may refuse, suspend, or terminate service to businesses engaged in or associated with high-risk, non-compliant, illegal, regulated, or otherwise unacceptable activity, including where the activity creates elevated exposure to disputes, fraud, law enforcement scrutiny, sanctions risk, or network enforcement action.

​

15. Data Security and PCI Compliance
Security of payment data and customer information is fundamental to the merchant services relationship. You agree to maintain robust administrative, technical, and physical safeguards appropriate to your business and risk profile. At a minimum, you must comply with applicable PCI DSS requirements and any other security obligations communicated to you by us, a sponsor bank, a processor, or a card network.

You are responsible for:

securing systems, terminals, gateways, credentials, and connected devices;

limiting employee access on a need-to-know basis;

maintaining strong password and authentication controls;

encrypting or tokenizing payment data where required or appropriate;

monitoring for unauthorized activity;

reporting suspected breaches promptly;

preserving logs, evidence, and forensic records where needed.

If you experience a security incident, suspected compromise, data breach, or unauthorized access involving cardholder data, payment credentials, or customer information, you must notify us without delay and cooperate fully in remediation, investigation, customer protection, regulatory response, and incident containment.

​

16. Third-Party Services and Integrations
The website or services may integrate with, reference, or depend upon third-party applications, platforms, processors, banks, software vendors, data providers, analytics tools, and service partners. We do not control third-party services and are not responsible for their availability, accuracy, completeness, performance, security, legality, or terms of service.

Your use of third-party services may be subject to separate terms, privacy policies, support arrangements, and technical limitations. You are solely responsible for evaluating whether any third-party integration is suitable for your business and compliance requirements.

​

17. Intellectual Property Rights
All content on the website, including text, graphics, logos, icons, audiovisual materials, interface elements, code, design, software, compilations, and underlying systems, is owned by or licensed to Vevo Payments and is protected by intellectual property and unfair competition laws.

Except as expressly authorized in writing, you may not:

copy, reproduce, distribute, modify, publish, transmit, display, perform, or create derivative works from our content;

reverse engineer or attempt to derive source code, structure, or proprietary processes;

remove or alter copyright, trademark, or proprietary notices;

use our name, marks, or branding in a confusing, misleading, or unauthorized manner.

​

18. User Submissions and Feedback
If you submit ideas, suggestions, comments, feedback, reviews, proposals, or other materials to us through the website or by any related communication channel, you grant us a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and otherwise exploit such materials for any lawful business purpose, without compensation to you, unless prohibited by law.

You represent that any submissions you provide are lawful, do not infringe third-party rights, and are not confidential unless we have explicitly agreed otherwise in writing.

​

19. Privacy and Data Practices
Your use of the website and services is also governed by our Privacy Policy, which explains how we collect, use, store, share, and protect information. By using the website, you acknowledge that we may process business, operational, financial, technical, device, and personal information in connection with underwriting, service delivery, compliance, fraud prevention, support, and legal obligations.

You consent to the collection and use of information as described in the Privacy Policy and agree that information may be shared with affiliated entities, processors, banks, card networks, service providers, regulators, law enforcement, and other parties as required or permitted by law.

​

20. Electronic Communications
By using the website or services, you consent to receive communications electronically, including notices, disclosures, statements, updates, alerts, confirmations, receipts, support responses, and legally required notices. You agree that electronic communications satisfy any requirement that such communications be in writing to the extent permitted by law.

You are responsible for maintaining accurate contact information and ensuring that your email addresses, phone numbers, and other contact channels remain current and able to receive communications from us.

​

21. Monitoring, Investigation, and Enforcement
We may monitor use of the website and services for security, quality assurance, compliance, fraud prevention, performance, and troubleshooting purposes. We may audit accounts, review transaction activity, request documentation, examine website content, and investigate suspected abuse or policy violations.

Where appropriate, we may:

place temporary or permanent restrictions on access;

require corrective action or additional documentation;

delay or withhold funding;

impose reserve or collateral requirements;

suspend or terminate services;

report suspected unlawful conduct to authorities or financial institutions;

cooperate with network, banking, or regulatory investigations.

​

22. Suspension and Termination
We may suspend, restrict, limit, or terminate your access to the website or any services at any time, with or without notice, if we determine that:

you have violated these Terms;

you have violated a separate agreement;

your activity is unlawful or potentially unlawful;

your business presents unacceptable risk;

we are required to do so by law, network rules, sponsor bank requirements, or a third-party provider;

continued access may expose us, our partners, or other users to harm.

Upon termination, all rights granted to you under these Terms immediately cease. Any provisions that by their nature should survive termination, including payment obligations, confidentiality, indemnification, limitation of liability, dispute provisions, and intellectual property restrictions, shall survive to the fullest extent permitted by law.

​

23. Disclaimer of Warranties
To the fullest extent permitted by law, the website and all services are provided on an “as is,” “as available,” and “with all faults” basis. We disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, noninfringement, accuracy, title, quiet enjoyment, and uninterrupted or error-free operation.

We do not warrant that:

the website will always be available or secure;

defects will be corrected;

the services will meet your business objectives;

transactions will be approved, settled, or immune from reversal;

third-party systems will function without interruption;

data will always be free from unauthorized access, corruption, or loss.

​

24. Limitation of Liability
To the maximum extent permitted by law, in no event shall Vevo Payments, its affiliates, officers, directors, employees, agents, licensors, processors, banks, suppliers, or service providers be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including lost profits, lost revenue, loss of goodwill, loss of business opportunity, loss of data, business interruption, or reputational harm, arising out of or relating to these Terms, the website, or the services, whether based in contract, tort, strict liability, statute, or any other legal theory, even if advised of the possibility of such damages.

To the fullest extent permitted by law, our aggregate liability for all claims arising out of or relating to the website or services shall not exceed the lesser of:

the total amount of fees paid by you to us during the three (3) months immediately preceding the event giving rise to the claim; or

the minimum amount permitted by applicable law.

Some jurisdictions do not permit certain limitations, so some of the above may not apply in all cases.

​

25. Indemnification
You agree to defend, indemnify, and hold harmless Vevo Payments and its affiliates, officers, directors, employees, agents, licensors, banks, processors, vendors, and service providers from and against any and all claims, demands, actions, investigations, liabilities, damages, losses, judgments, settlements, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

your use of the website or services;

your violation of these Terms;

your violation of law, regulation, or third-party rights;

your business, products, services, advertising, customer communications, or refund practices;

your customer disputes, chargebacks, or reversals;

your breach of any separate merchant agreement;

any security incident, fraud event, or data compromise attributable to your systems, personnel, or practices.

​

26. Confidential Information
During the course of our relationship, you may receive information that is nonpublic, proprietary, operational, technical, financial, or commercially sensitive. You agree to keep such information confidential and to use it solely for the purpose for which it was provided.

You may not disclose confidential information to third parties except:

with our prior written consent;

to your professional advisors under duties of confidentiality;

as required by law, subpoena, court order, or government request, provided that you give prompt notice to the extent legally permitted.

​

27. Recordkeeping and Audit Cooperation
You agree to maintain accurate books, records, invoices, order confirmations, refund logs, shipping records, service agreements, customer correspondence, and other documentation reasonably necessary to verify transactions and support dispute resolution, compliance, and risk review.

Upon request, you must cooperate with audits, inspections, verification procedures, or documentation requests related to underwriting, chargebacks, suspected fraud, compliance reviews, reserve justification, legal process, or card network inquiries.

​

28. Communications Standards
You agree not to use our name, branding, systems, or services to send unlawful, deceptive, harassing, or misleading communications. If you conduct email, SMS, or other electronic marketing in connection with your use of our services, you are solely responsible for ensuring that such communications comply with all applicable laws, consent rules, and anti-spam requirements.

​

29. Governing Law
These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to conflict-of-law principles, except where federal law or mandatory banking, network, or payment rules apply. Nothing in these Terms limits the applicability of mandatory federal law or the rules of any governing payment network or financial institution.

​

30. Dispute Resolution and Venue
Unless otherwise required by a separate written agreement, any dispute arising out of or relating to these Terms or the website shall be brought in a court of competent jurisdiction located in Oklahoma, and you consent to the personal jurisdiction of such courts.

If you wish, this section can be revised to include:

mandatory arbitration,

class action waiver,

jury trial waiver,

venue selection,

injunction rights,

emergency relief procedures.

Those provisions should be customized by legal counsel based on your transaction profile and enforceability goals.

​

31. Injunctive Relief
You acknowledge that unauthorized use of the website, misuse of confidential information, security breaches, intellectual property violations, or misuse of payment systems may cause irreparable harm for which monetary damages may be inadequate. Accordingly, we may seek injunctive or equitable relief in addition to any other remedies available at law or in equity.

​

32. Force Majeure
We shall not be liable for any delay, suspension, failure, or interruption in performance resulting from causes beyond our reasonable control, including acts of God, natural disasters, fire, flood, power failure, labor disputes, war, terrorism, cyberattacks, governmental action, network failures, banking disruptions, processor outages, third-party failures, or other events of comparable severity.

​

33. Assignment
You may not assign, transfer, delegate, or subcontract any rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms, in whole or in part, without restriction, in connection with a corporate reorganization, merger, acquisition, sale of assets, financing, or other business transaction.

​

34. Severability
If any provision of these Terms is held invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted, and the remaining provisions shall remain in full force and effect.

​

35. No Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative of Vevo Payments.

​

36. Entire Agreement
These Terms, together with our Privacy Policy and any separate merchant, referral, underwriting, pricing, or service agreement, constitute the entire agreement between you and us regarding the website and related services, and supersede any prior or contemporaneous understandings not expressly incorporated.

​

37. Contact Information
If you have questions about these Terms, you may contact us at:

Vevo Payments NA LLC
Oklahoma City, Oklahoma
legal@vevopayments.com
+1 405 535 8278
www.vevopayments.com