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LEGAL

Terms of Service

Last updated: July 28, 2026

Effective: August 27, 2026 for merchants with an existing account on July 28, 2026. These Terms apply immediately to accounts created on or after July 28, 2026.

1. Acceptance of Terms

By accessing or using the PD Cash payment orchestration platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. These Terms constitute a legally binding agreement between you ("Merchant," "you," or "your") and PD Cash ("Company," "we," "us," or "our").

2. Definitions

In these Terms:

  • "Platform" means the PD Cash payment orchestration software, including the merchant dashboard, API, official plugins, payment links, and the pd.cash website.
  • "Merchant" means the business or individual that holds a PD Cash account and routes transactions through the Platform.
  • "Channel Partner" means a licensed payment provider, processor, or acquiring institution that holds the regulated relationship, processes the transaction, and custodies the funds. PD Cash is not a Channel Partner.
  • "Available Balance" means the amount recorded in your dashboard as collected and not yet withdrawn. It is a record of funds held at a Channel Partner. PD Cash does not hold, custody, or control those funds.
  • "Processed Volume" means the gross value of successfully completed transactions attributed to your account in a calendar month, used to measure the volume limits of your plan.
  • "Good Standing" means your account is not suspended, has no negative balance, no unresolved dispute or chargeback exposure, and no unremedied breach of these Terms or the Acceptable Use Policy.
  • "Platform Fees" means amounts payable to PD Cash under these Terms. The only Platform Fee is the withdrawal fee described in Section 5.
  • "Security Deposit" means the refundable amount required on the Premium plan, described in Section 6.

3. Description of Service

PD Cash provides a payment orchestration platform that enables merchants to:

  • Route payment transactions across connected payment providers and Channel Partners
  • Accept Cash App and cryptocurrency (12 supported coins) on every plan
  • Accept Chime, Apple Pay, Google Pay, and PayPal on the Premium plan
  • Utilize smart routing technology to optimize transaction success rates
  • Access real-time analytics, reporting, and transaction monitoring
  • Generate payment links for invoicing and customer payments
  • Connect their own payment gateway API keys (BYOK) or use our integrated infrastructure

Payment method availability is not guaranteed and is not uniform across accounts. Which methods you can offer depends on the connected account, the transaction amount, the currency, the customer's and your region, your plan tier, and Channel Partner approval. A method may be added, restricted, or withdrawn at any time by the partner that supports it.

PD Cash does not offer direct credit or debit card acquiring. We are not a card acquirer, not an acquiring bank, and not the merchant of record for any transaction. Where a card-funded method is reached indirectly through a wallet or a Channel Partner, that partner is the party in the card chain, not PD Cash.

We act solely as a technology provider facilitating payment orchestration. We are not a bank, financial institution, money transmitter, money services business, or payment processor. We do not process, settle, or hold funds at any point during the transaction lifecycle. Actual payment processing, authorization, settlement, fund custody, and regulatory compliance for payment transactions are performed exclusively by the respective Channel Partners, payment gateway providers, and acquiring banks connected to our Platform. All liability arising from payment processing, transaction failures, fund settlement delays, unauthorized charges, chargebacks, and regulatory non-compliance rests solely with the applicable provider responsible for processing the transaction.

4. Account Registration & Eligibility

To use the Platform, you must:

  • Be at least 18 years of age or the age of legal majority in your jurisdiction
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Promptly update any changes to your account information
  • Accept responsibility for all activities that occur under your account

We reserve the right to refuse service, terminate accounts, or cancel transactions at our sole discretion if we believe you are in violation of these Terms or applicable laws.

5. Fees & Payments

PD Cash charges no subscription fee, no monthly fee, no annual fee, no setup or onboarding fee, and no per-transaction or percentage processing fee, on any plan. The only fee PD Cash charges is a withdrawal fee.

  • Withdrawal fee: a flat 20% of the amount withdrawn, deducted at the time the withdrawal is executed. This is the only Platform Fee.
  • No recurring charge of any kind applies to the Free plan or the Premium plan. There is no fee to open an account, to keep it open, or to move between plans in either direction.
  • Security Deposit: the Premium plan requires a refundable deposit of $1,000. The deposit is not a fee and is not consideration for access. It is refundable under Section 6.
  • Third-party costs: network and blockchain fees, Channel Partner processing costs, and bank or wallet charges are set by third parties, are passed through at cost, and are not retained by PD Cash.
  • Plan volume limits: the Free plan supports $500 to $1,000 of Processed Volume per calendar month with no deposit. The Premium plan supports $5,000 to $20,000 of Processed Volume per calendar month. Sustained volume outside your plan's range may require a plan change or further Channel Partner review.

We will give at least 30 days' advance notice, by email to your account address and by notice in the dashboard, before any change to the fee model takes effect. No fee change applies retroactively to a withdrawal already executed. If you do not accept a fee change, you may close your account before the change takes effect; your Security Deposit is still refunded under Section 6.1.

5A. API, Plugin & Add-On Purchases — Final and Non-Refundable

Where the Platform offers an optional one-time digital purchase — API access, API credits, a plugin licence, a plugin renewal, a plugin setup or usage fee, an expedited-service fee, or a similar add-on — that purchase is final and non-refundable. By completing any such purchase, you expressly acknowledge and agree that:

  • No refund, credit, exchange, partial reimbursement, pro-rata return, or chargeback-equivalent will be issued under any circumstance, including but not limited to: change of mind, non-use, partial use, account suspension, account termination, account closure, dispute outcome, dissatisfaction with results, or the discovery of an alternative provider.
  • This Section does not create, imply, or authorise any subscription, recurring charge, plan fee, tier fee, or automatic renewal. PD Cash does not charge a subscription or a plan fee, and moving between the Free plan and the Premium plan carries no fee in either direction and is not a purchase under this Section.
  • The Security Deposit is expressly excluded from this Section. It is not a purchase and not a fee, and it remains refundable in accordance with Section 6.
  • Add-on purchases are deemed delivered at the moment access is provisioned to your account, regardless of whether you have technically integrated or made use of the feature.
  • Where mandatory local consumer-protection law grants you a statutory cooling-off period (for example, a 14-day right of withdrawal under EU consumer law), that statutory right is preserved to the minimum extent required by law; outside the scope of such mandatory law, the no-refund rule in this Section 5A applies in full.
  • This Section 5A operates in addition to, and not in derogation of, the chargeback, dispute, prohibited-activity, and termination provisions elsewhere in these Terms.

If you are uncertain whether an optional add-on is right for your use case, you are responsible for clarifying that with our support team before purchase. Post-purchase refund requests for these items will not be granted.

6. Security Deposits

The Premium plan requires a refundable deposit of $1,000. The Free plan requires no deposit. The deposit is handled as follows:

  • The deposit is forwarded in full to the licensed Channel Partner that underwrites your account. PD Cash does not retain, custody, invest, lend, or take any share of it.
  • It is held as security against chargebacks, dispute losses, negative balances, network or partner fines, and amounts you owe. It is not a fee and not payment for access.
  • It is not FDIC-insured, is not held in escrow or in a client trust account, and does not bear interest.
  • It is non-transferable between accounts and cannot be applied against future fees.
  • It may be reduced by: chargebacks and dispute losses; fines or penalties imposed by a network or Channel Partner; a negative balance; amounts owed under these Terms; and reasonable recovery costs directly attributable to your account.
  • We may require an additional deposit where your dispute ratio, volume, or risk profile changes materially, on written notice explaining why.

6.1 Deposit Refund Conditions & Timing

  • Refund requires the account to be closed in Good Standing, with no open dispute, no negative balance, and no unresolved investigation.
  • A 90-day chargeback exposure window runs from the date of your last processed transaction. The deposit cannot be released before that window closes.
  • Release is instructed to the Channel Partner within 5 business days after the window closes.
  • The refund is issued within 30 business days of that instruction. When you actually receive the money also depends on the Channel Partner and on your receiving bank, wallet, or network.
  • Any deduction is itemised in writing, stating the reason and the amount for each item.
  • You have 60 days from the date of that itemised statement to dispute a deduction, using the complaints process in Section 16.
  • The refund is issued by the method used for the original deposit where possible, or by an alternative method agreed with you.

7. Merchant Obligations

As a merchant using our Platform, you agree to:

  • Comply with all applicable laws, regulations, and payment network rules
  • Not use the Platform for any illegal, fraudulent, or prohibited activities
  • Provide accurate product and service descriptions to your customers
  • Handle customer disputes and refund requests in good faith
  • Maintain reasonable fraud prevention measures on your end
  • Not exceed the Processed Volume limits of your selected plan
  • Not process transactions for prohibited business categories, and not operate a restricted category without the approval required by the Acceptable Use Policy

8. Prohibited Activities

You may not use the Platform to process payments for:

  • Illegal goods or services in any applicable jurisdiction
  • Money laundering, terrorist financing, or sanctions violations
  • Fraudulent, deceptive, or misleading transactions
  • Transactions that violate payment network rules
  • Any activity that could damage, disable, or impair the Platform
  • Unauthorized access attempts or security breaches

The Acceptable Use Policy sets out the full list of prohibited business categories and the restricted categories that may be operated only after review and approval. It forms part of these Terms.

9. Chargebacks & Disputes

You are solely responsible for all chargebacks and payment disputes related to your transactions. We may:

  • Deduct chargeback amounts and associated fees from your Available Balance or Security Deposit
  • Suspend or terminate your account for excessive chargeback rates
  • Require an additional Security Deposit for high-risk transaction patterns
  • Withhold withdrawals pending dispute resolution

10. Payouts & Withdrawals

Withdrawals are subject to:

  • Minimum withdrawal thresholds as shown in your dashboard
  • The flat 20% withdrawal fee, deducted from the amount withdrawn
  • Verification and fraud checks
  • Timing determined by the Channel Partner and the destination bank, wallet, or network. PD Cash does not control settlement time and does not promise a settlement window.
  • The withdrawal methods shown in your dashboard, which may change as partner availability changes

Funds shown as your Available Balance are held at a Channel Partner, not by PD Cash. We reserve the right to delay or withhold a withdrawal instruction if we suspect fraudulent activity, excessive chargebacks, or a breach of these Terms, and a Channel Partner may independently hold funds under its own rules.

11. Taxes & Information Reporting

You are responsible for your own taxes. Specifically:

  • You are solely responsible for determining, collecting, reporting, and remitting all taxes arising from your sales, your business, and the amounts you withdraw.
  • The 20% withdrawal fee is stated exclusive of tax. Where a tax, levy, or duty applies to the fee itself, it is added to the fee.
  • We may require a completed IRS Form W-9 (U.S. persons) or the applicable Form W-8 series (non-U.S. persons) before enabling or continuing withdrawals. If a valid form is not provided, backup withholding at the applicable statutory rate may be required, or withdrawals may be suspended until it is provided.
  • Where information reporting applies to your activity, the payment settlement entity is the licensed Channel Partner, not PD Cash. Any Form 1099-K or equivalent is issued by that partner. PD Cash does not file it on your behalf.
  • Transaction, withdrawal, deposit, and fee records are available in your dashboard for reconciliation. They are a record of activity, not tax advice.
  • You must notify us within 30 days of any change to your legal name, entity type, or taxpayer identification number.

12. Intellectual Property

All content, features, and functionality of the Platform (including but not limited to software, text, graphics, logos, and APIs) are owned by PD Cash and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Platform solely for its intended purpose.

13. Limitation of Liability

To the maximum extent permitted by law:

  • The Platform is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, or statutory
  • We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to payment transactions
  • Our total aggregate liability for all claims arising out of or relating to these Terms or the Platform shall not exceed the greater of (a) the total Platform Fees you paid to PD Cash in the 12 months immediately preceding the event giving rise to the claim, or (b) US$100
  • We are not responsible or liable for any actions, omissions, failures, delays, errors, or policies of Channel Partners, third-party payment processors, gateway providers, acquiring banks, card networks, or issuing banks
  • We do not guarantee uninterrupted, error-free, or secure service, and we do not offer a contractual service level agreement
  • We bear no liability for transaction declines, processing errors, settlement delays, fund holds, account freezes, or any other action taken by a Channel Partner or payment provider
  • All claims, disputes, and liabilities arising from the actual processing of payments, including unauthorized transactions, fraud, data breaches at the processor level, and regulatory penalties, are the responsibility of the respective Channel Partner or payment provider

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. This includes liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, for gross negligence or wilful misconduct, and for any other liability that applicable law does not permit to be limited. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages; in those jurisdictions our liability is limited to the least extent permitted by law.

13A. Payment Provider & Channel Partner Liability

You acknowledge and agree that:

  • PD Cash is exclusively a payment orchestration technology provider (SaaS) and does not process, authorize, settle, or custody any payment transactions or funds
  • All payment processing liability, including liability for transaction errors, unauthorized charges, data security during processing, PCI DSS compliance at the processing level, fund settlement, and regulatory compliance, rests entirely with the Channel Partner or payment provider handling each transaction
  • Any claim related to a payment processing failure, a declined transaction, held funds, a delayed settlement, a frozen account, or lost funds must be directed to the applicable Channel Partner or payment provider, not to PD Cash
  • PD Cash shall not be joined as a party to any dispute between you and a Channel Partner or payment provider regarding payment processing matters
  • You waive any and all claims against PD Cash arising from the acts or omissions of Channel Partners and payment providers connected to the Platform
  • Your contractual relationship for payment processing is directly with the Channel Partner or payment provider, and PD Cash provides the technology layer for routing and orchestration

14. Indemnification

You agree to indemnify, defend, and hold harmless PD Cash, its officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, or expenses (including reasonable legal fees and costs) arising from or related to:

  • Your use of the Platform and any transactions routed through it
  • Violation of these Terms or any applicable law or regulation
  • Infringement of any third-party rights
  • Any claims brought by your customers, end-users, or any third party relating to payment transactions processed by a Channel Partner or payment provider
  • Any regulatory action, fine, or penalty arising from your payment processing activities
  • Any dispute between you and a Channel Partner or payment provider

This indemnification obligation shall survive the termination of your account and these Terms.

15. Termination

15.1 Termination by you

You may close your account at any time from the dashboard or by written request through the contact form. Closure takes effect when we confirm it. You remain responsible for transactions already processed, for chargebacks and disputes arising after closure, and for any amount you owe.

15.2 Termination by us

  • For convenience: we may terminate on 30 days' written notice to your account email address, with no reason required.
  • For cause, immediately and without prior notice: breach of these Terms or the Acceptable Use Policy; suspected fraud or financial crime; a sanctions match; operating a prohibited category or an unapproved restricted category; a requirement imposed by a Channel Partner, network, or regulator; or a legal obligation.
  • Where the law or a partner requirement permits, we will tell you the reason. Where it does not, we will tell you that we are unable to give a reason.

15.3 What happens to funds

  • PD Cash does not hold merchant funds. Any collected funds sit with the Channel Partner and are released under that partner's rules.
  • Funds remain subject to the 90-day chargeback exposure window measured from your last processed transaction.
  • During that window you may continue to instruct withdrawals, unless the account was terminated for cause or a partner, regulator, or court has imposed a hold.
  • The 20% withdrawal fee applies to every withdrawal, including those instructed during or after the window.
  • Any Security Deposit is released in accordance with Section 6.1.
  • If we cannot reach you and funds remain unclaimed, they are dealt with under the applicable unclaimed-property or escheatment law by the entity that holds them.

15.4 Data and access

  • Your access to the Platform is revoked on termination.
  • You may export your transaction, withdrawal, and invoice records for 30 days after closure. Request an export through the contact form if you can no longer sign in.
  • After that window, records are retained only as described in the Privacy Policy and are no longer available for self-service export.
  • You must cease all use of our APIs, branding, and intellectual property.

15.5 Survival

Sections 2 (Definitions), 5A, 6 (including 6.1), 9, 11, 12, 13, 13A, 14, 16, 18, and 19 survive termination, together with any other provision that by its nature is intended to survive.

16. Complaints & Escalation

If something has gone wrong, tell us and we will work it through with you.

  • File a complaint through the contact form at pd.cash/contact#contact-form using the subject "Complaint". Include your account email and the transaction, withdrawal, or deposit reference.
  • We acknowledge every complaint within 2 business days.
  • We give a substantive response within 15 business days. Where a Channel Partner or payment provider must respond before we can, the period is up to 35 business days, and we will tell you within the first 15 that the longer period applies and why.
  • If you are not satisfied with the outcome, ask for escalation. The matter is then reviewed by a senior reviewer who was not involved in the original decision.
  • Complaints attributable to a Channel Partner — settlement timing, fund holds, underwriting decisions, partner KYC outcomes — are routed to that partner. We will tell you who is handling it and pass on what we are told.
  • Nothing in this Section limits your right to contact a regulator, ombudsman, or other competent authority, or to pursue the remedies in Section 18.

17. Changes to These Terms

We may modify these Terms. Where a change is material — for example a change to fees, to the Security Deposit, to liability, or to dispute resolution — we give at least 30 days' advance notice by email to your account address and by notice in the dashboard, and the change takes effect on the date stated in that notice. Non-material changes, such as clarifications, typographical corrections, and updated contact details, take effect on posting.

Continued use of the Platform after the effective date constitutes acceptance. If you do not accept a material change, you may close your account before the effective date; your Security Deposit is still refunded under Section 6.1 and no fee is charged for closing. Dated archive copies of prior versions of these Terms are available on request through the contact form.

18. Governing Law & Dispute Resolution

18.1 Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Where you are a consumer, this does not deprive you of the protection of mandatory provisions of the law of your country of residence.

18.2 Informal resolution first

Before starting arbitration, you agree to send us a written notice describing the claim and the relief sought, through the contact form using the subject "Dispute Notice", and we agree to do the same. Both parties will then try in good faith to resolve the matter for 60 days from the date the notice is sent. Neither party may commence arbitration before that 60-day period ends. Any applicable limitation period is tolled while it runs.

18.3 Binding arbitration

If the dispute is not resolved informally, it will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Wilmington, Delaware, conducted in English. The arbitrator may allow the proceeding to be conducted by videoconference or on documents alone. Judgment on the award may be entered in any court of competent jurisdiction.

18.4 Exceptions

  • Either party may bring an individual claim in a small-claims court that has jurisdiction, instead of arbitration.
  • Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to stop the misuse of intellectual property, unauthorized access to systems, or a breach of confidentiality, without first following Sections 18.2 and 18.3.

18.5 Class action and jury waiver

Claims may be brought only on an individual basis. Neither party may bring a claim as a plaintiff or class member in any class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate claims or preside over a representative proceeding without the written consent of both parties. To the extent permitted by law, both parties waive any right to a jury trial. If the class-action waiver is held unenforceable as to a particular claim, that claim alone proceeds in court and the remaining claims remain in arbitration.

18.6 30-day opt-out

You may opt out of arbitration and the class-action waiver by sending written notice through the contact form using the subject "Arbitration Opt-Out", within 30 days of the date you first accept these Terms or, for an existing merchant, within 30 days of the effective date of a material change to this Section. The notice must state your account email and that you are opting out. Opting out does not affect any other part of these Terms and has no effect on your account.

18.7 Costs

Filing, administrative, and arbitrator fees are governed by the AAA rules. Where a merchant brings a claim seeking less than US$10,000, PD Cash will pay those fees, except where the arbitrator finds the claim frivolous or brought for an improper purpose. Each party otherwise bears its own legal fees and costs, unless the arbitrator awards them under applicable law.

18.8 Survival

This Section survives termination of your account and of these Terms.

19. General Provisions

  • Force majeure: neither party is liable for delay or failure to perform caused by events beyond its reasonable control, including natural disaster, war, terrorism, civil unrest, epidemic, labour action, power, internet, or hosting failure, government action, and the failure, suspension, or withdrawal of a Channel Partner, payment network, or blockchain.
  • Assignment: you may not assign or transfer these Terms without our prior written consent. We may assign them to an affiliate, or in connection with a merger, acquisition, reorganisation, or sale of assets, on notice to you.
  • Severability: if any provision is held invalid or unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the remaining provisions stay in full force.
  • No waiver: a failure or delay in enforcing any right is not a waiver of it, and a single or partial exercise does not prevent any further exercise.
  • Entire agreement: these Terms, together with the Acceptable Use Policy, Privacy Policy, Refund Policy, AML/CFT Policy, and Security page, are the entire agreement between you and PD Cash regarding the Platform, and supersede any prior agreement or representation on the same subject.
  • Electronic notices: you consent to receive notices electronically. We send notices to your account email address or post them in the dashboard, and they are deemed received 24 hours after sending or posting. Keep your email address current; a notice sent to a stale address is still effective.
  • No third-party beneficiaries: these Terms create no rights for any third party, except that the persons indemnified under Section 14 may enforce that Section.
  • Independent contractors: nothing here creates a partnership, joint venture, agency, franchise, employment, or fiduciary relationship between you and PD Cash.
  • Relationship to Channel Partners: Channel Partners are independent third parties and not our agents. You may hold a separate agreement directly with a partner. Where that agreement and these Terms conflict, the partner's agreement governs the regulated payment relationship and these Terms govern your use of the Platform.

20. Contact Information

For questions about these Terms of Service, please contact us at:

  • Contact form: pd.cash/contact#contact-form
  • Website: pd.cash