Terms of Service
Last updated: November 14, 2026
1. Acceptance of these terms
These Terms of Service ("Terms") govern your access to and use of PayGate (the "Service"), operated by us. By creating an account, connecting a payment provider, or otherwise using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of a company or other organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of the Service
PayGate is a payment integration platform that lets a merchant application connect once and accept payments through multiple underlying providers (currently Stripe for international cards and PayOS for Vietnamese bank transfer/QR), switching or combining providers per app without re-integrating. We act solely as an intermediary between your application and these providers: we do not custody funds, and all settlement of actual payments happens directly between the payer, the provider, and your own settlement account with that provider.
3. Accounts and eligibility
You must provide accurate registration information and keep it up to date. You are responsible for all activity that occurs under your account, including actions taken by anyone you invite as a member of your organization. You must be legally able to enter into a binding contract to use the Service.
4. API keys, credentials, and security
The Service issues API keys/secrets (for HMAC-authenticated integrations) or relies on your own Firebase project (for Firebase ID Token integrations), and stores your connected payment providers' credentials encrypted at rest. You are responsible for keeping these credentials confidential. You must notify us promptly if you believe a key has been compromised, so we can help you rotate it. We are not liable for losses resulting from your failure to secure your own credentials.
5. Acceptable use
You may not use the Service to process payments for activity that is illegal, fraudulent, or that violates the acceptable-use policies of the underlying payment providers (Stripe, PayOS). We reserve the right to suspend any app or organization we reasonably believe is being used for prohibited purposes, including money laundering, processing stolen payment instruments, or circumventing a provider's own risk controls.
6. Test mode
The Service provides a test payment method with documented test card codes for integration testing. Test-mode transactions do not move real funds and must not be presented to end users as real payment options in a production environment.
7. Fees
PayGate charges organizations a monthly plan fee plus usage fees (completed transactions and revenue above the limits of the plan) and any add-ons, as published on the pricing page or agreed in writing. Fees are invoiced monthly in VND, exclude VAT, and are due within 7 days of the invoice date. If an invoice stays unpaid for 7 days after its due date, we may block the creation of new payments, payment links and subscription renewals for the organization until the balance is paid; payments already made are never affected. Fees charged by the underlying payment providers (Stripe, PayOS, your bank) are set by those providers directly and are your responsibility as their customer.
8. Webhooks and data you receive
If you configure a webhook URL, we will deliver signed event notifications (e.g. payment completed, failed, canceled) to that URL. You are responsible for verifying the signature on every webhook delivery before acting on it, and for keeping your endpoint available and secure.
9. Service availability
We aim to keep the Service available and reliable, but we do not guarantee uninterrupted access. Scheduled maintenance, incidents at an underlying payment provider, or events outside our reasonable control may affect availability.
10. Disclaimer of warranties
The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
11. Limitation of liability
To the maximum extent permitted by law, PayGate and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of, or inability to use, the Service.
12. Suspension and termination
We may suspend or terminate your access to the Service if you violate these Terms, if required by law, or if we discontinue the Service. You may stop using the Service and close your account at any time.
13. Changes to these terms
We may update these Terms from time to time. If we make material changes, we will make reasonable efforts to notify you (for example, by email or an in-app notice). Continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.
14. Governing law
These Terms are governed by the laws of Vietnam, without regard to its conflict-of-law principles, unless otherwise agreed in a separate signed agreement with you.
15. Contact
Questions about these Terms? Contact us at paygate@shplinks.com.