VaultPay Global Inc – Business Services Agreement
Effective Date: January 11, 2026
Last Updated: January 11, 2026
These Business Terms and Conditions ("Business Agreement") constitute a legally binding agreement between your business entity ("Merchant," "Business," "you," or "your") and VaultPay Global Inc ("VaultPay," "we," "us," or "our"). This Agreement governs your use of VaultPay's business payment processing services, e-commerce solutions, and merchant services.
By registering for a business account, you represent that you have the authority to bind your business entity to this Agreement. This Agreement supplements and incorporates by reference our standard User Agreement for any individual account holders associated with your business.
To register for VaultPay Business Services, your business must:
VaultPay conducts Know Your Business (KYB) verification in accordance with FinCEN regulations and anti-money laundering requirements. You must provide:
VaultPay provides the following business services:
VaultPay may impose processing limits based on your business type, processing history, and risk assessment. We reserve the right to hold reserves (typically 5-20% of transaction volume) for risk mitigation purposes. Reserve requirements and release schedules will be communicated to you and may be adjusted based on your account performance.
VaultPay offers tiered subscription plans for businesses:
In addition to subscription fees, the following transaction fees apply:
Funds are typically settled to your business bank account within 2-5 business days. New accounts may have extended settlement periods (7-14 days) during the initial 90 days. We reserve the right to adjust settlement schedules based on risk factors.
As a VaultPay merchant, you agree to:
The following business activities are prohibited without prior written approval:
When a customer disputes a transaction, you will be notified immediately and must respond within 7 days with supporting documentation. Failure to respond may result in automatic acceptance of the chargeback. You are responsible for all chargeback fees and the disputed amount if the chargeback is upheld.
Merchants must maintain a chargeback ratio below 1% of total transactions. Exceeding this threshold may result in:
You must comply with Payment Card Industry Data Security Standards (PCI DSS). VaultPay provides PCI-compliant payment processing infrastructure, but you remain responsible for securing your systems, training employees, and maintaining compliance in your business operations.
You must protect customer data in accordance with applicable privacy laws including GDPR (for EU customers), CCPA (for California customers), and other regional regulations. You are the data controller for customer information collected through your business, and VaultPay acts as a data processor for payment processing purposes.
You may display VaultPay logos and payment marks on your website and marketing materials in accordance with our Brand Guidelines. You may not modify our marks or use them in a way that suggests endorsement of your products or services beyond payment processing.
You retain all rights to your business name, trademarks, and content. By using VaultPay services, you grant us a limited license to display your business information in connection with providing payment services and for our internal business purposes.
You may terminate this Agreement at any time with 30 days' written notice. Upon termination, you remain liable for all fees, chargebacks, and obligations incurred prior to termination. Funds in reserve will be held for 180 days to cover potential chargebacks before final settlement.
VaultPay may suspend or terminate your account immediately for:
VAULTPAY'S TOTAL LIABILITY FOR ALL CLAIMS RELATED TO BUSINESS SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) $10,000. VAULTPAY SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR BUSINESS INTERRUPTION.
You agree to indemnify and hold harmless VaultPay from any claims, losses, or damages arising from: (a) your products or services; (b) your violation of laws or regulations; (c) customer disputes and chargebacks; (d) your breach of this Agreement; (e) infringement of third-party intellectual property rights; or (f) your data security failures.
You are responsible for all taxes related to your business transactions, including sales tax, VAT, income tax, and other applicable taxes. VaultPay will issue Form 1099-K to merchants processing over $600 in annual transactions, as required by IRS regulations. You must provide accurate tax information (W-9 or W-8 forms) upon account registration.
This Business Agreement shall be governed by the laws of the State of Delaware. Any disputes shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in Santa Clara County, California, or remotely at the parties' mutual agreement.
VaultPay may modify these Business Terms with 30 days' prior notice. Material changes affecting pricing or core services will be communicated via email to your registered business contact. Continued use of services after the effective date constitutes acceptance of the modified terms.
For business account support, contact:
VaultPay Global Inc - Business Services
15442 Ventura Blvd., Ste 201-1952
Sherman Oaks, CA 91403
Business Support: [email protected]
Technical Support: [email protected]
Legal Inquiries: [email protected]
Phone: 1-800-VAULTPAY (Business Line)
If you conduct international business, you must comply with:
VaultPay provides payment processing services but does not provide legal or tax advice regarding international compliance. You are responsible for consulting with appropriate professionals.