Global Platform Terms for PayJSR
1.Introduction and Scope
These Terms of Service govern access to and use of PayJSR, including the PayJSR website, dashboard, hosted checkout pages, checkout sessions, payment links, APIs, developer tools, commerce tools, product tools, billing tools, subscription tools, customer portal, artificial intelligence features, payment orchestration tools, provider connections, seller tools, buyer flows, risk tools, balance records, payout workflows, documentation and any related products, services, software or infrastructure made available under the PayJSR brand. PayJSR is a commerce, billing, checkout and payment orchestration infrastructure platform for online businesses, digital products, physical products, SaaS companies, software platforms, applications, marketplaces, creators, independent sellers, service businesses, subscription businesses and other approved businesses that sell online. PayJSR is designed to reduce the fragmentation of separate tools by combining product creation, sales pages, checkout, billing, subscriptions, customer management, payment routing, provider orchestration, ledger records, balances, risk controls, refunds, disputes, payout workflows, APIs and operational automation into one platform. These Terms are global platform terms. Country-specific laws, regional operating terms, provider rules, payment network rules, tax requirements, consumer rights and mandatory legal requirements may apply depending on where the seller, buyer, PayJSR entity, provider, payment method, payout rail, product, service, data processing activity or transaction is located. By creating an account, accessing the dashboard, using the checkout, creating products, connecting payment providers, processing payments, using the API, receiving payouts, using PayJSR Commerce, using Bring Your Own Gateway, using PayJSR Balance, using PayJSR AI tools, or otherwise using PayJSR, you agree to these Terms, the PayJSR Commerce & Supplier Addendum, the PayJSR Privacy Policy, the PayJSR Buyer Terms, Buyer Protection, Refund, Delivery and Dispute Policy, the PayJSR Payment Orchestration Documentation, pricing terms, provider rules, payment network rules, regional terms, product- specific checkout terms and any additional terms presented to you. If you do not agree, you must not use PayJSR.
2.Legal Entities, Brand and Global Platform Structure
The PayJSR platform is built, owned, licensed or controlled through JSR Technologies, LLC, a Delaware limited liability company with file number 10508370 and registered office at 131 Continental Dr, Suite 305, Newark, Delaware 19713, United States. JSR Technologies, LLC owns or licenses the PayJSR technology, software, APIs, platform infrastructure, intellectual property, brand assets, product architecture, documentation, workflows and related technical systems. PayJSR (Pty) Ltd is a South African private company with registration number 2025/759018/07 and tax number 9172095292, with registered office at 11 Arundel Road, West Beach, Cape Town, Western Cape, 7441, South Africa. PayJSR (Pty) Ltd operates independently as a regional operating company for approved PayJSR operations, South African managed commerce operations, local commercial activities and related regional workflows where enabled and permitted. PayJSR may operate as one global platform and brand through separate legal entities, regional operating companies, technology licensors, service providers, payment providers, banks, gateways, processors, payout providers, compliance providers, infrastructure providers and approved partners. JSR Technologies, LLC and PayJSR (Pty) Ltd are separate legal entities. They may cooperate under the PayJSR brand, but each entity remains responsible only for the services, obligations, contracts, invoices, operations, products, technology, payments, payouts, taxes, liabilities and disputes that it expressly provides, controls or accepts in writing. Nothing in these Terms creates a partnership, joint venture, agency, employment relationship, fiduciary relationship, banking relationship, deposit relationship, trust relationship or general guarantee between any PayJSR entity and any user, seller, buyer, provider or third party, unless expressly agreed in writing or required by mandatory applicable law. No PayJSR entity is jointly liable for the debts, taxes, losses, payouts, chargebacks, refunds, disputes, provider obligations, regulatory obligations, legal claims, contracts, representations, employees, contractors, users, sellers or business activities of another PayJSR entity, unless expressly agreed in writing or required by mandatory applicable law.
3.Applicable Laws and Compliance Framework
PayJSR operates across multiple countries, entities, providers, payment methods and operating models. The laws, regulations, rules and contractual requirements applicable to a particular user, transaction, payout, product, service, account, checkout, provider connection or dispute may depend on the country of the seller, the country of the buyer, the country of payment, the country of settlement, the PayJSR entity involved, the operating model used, the payment provider used, the payout rail used and the nature of the product or service sold. Without limitation, users agree that their use of PayJSR may be subject to applicable company laws, contract laws, consumer protection laws, electronic communications and transactions laws, privacy and data protection laws, tax laws, anti-money laundering laws, sanctions laws, payment laws, banking laws, payment network rules, card network rules, provider rules, marketplace rules, advertising rules, intellectual property laws, import and export laws, digital services laws and any other laws or regulations applicable to the relevant country, transaction, product, service, seller, buyer or provider. Without limitation, South African operations may be subject to applicable South African laws and regulations, including the Companies Act 71 of 2008, the Electronic Communications and Transactions Act 25 of 2002, the Consumer Protection Act 68 of 2008, the Protection of Personal Information Act 4 of 2013, the Financial Intelligence Centre Act 38 of 2001, the National Payment System Act 78 of 1998, the Banks Act 94 of 1990, the Value-Added Tax Act 89 of 1991, the Income Tax Act 58 of 1962, the Tax Administration Act 28 of 2011, the Cybercrimes Act 19 of 2020, the Arbitration Act 42 of 1965, the Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004, and any other applicable South African laws, regulations, directives, rules, guidance, provider requirements or payment network rules. Without limitation, United States and Delaware-related operations, including technology licensing, software ownership, intellectual property, platform infrastructure, APIs, electronic contracting, arbitration, commercial conduct, sanctions, tax, AML-related controls and services provided or controlled by JSR Technologies, LLC, may be subject to applicable United States federal law and Delaware law, including the Delaware Limited Liability Company Act, 6 Del. C. § 18- 101 et seq., the Federal Arbitration Act, 9 U.S.C. §§ 1-16, the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq., the Federal Trade Commission Act, 15 U.S.C. § 45, the Bank Secrecy Act, including 31 U.S.C. § 5311 et seq., anti-money laundering provisions including 18 U.S.C. § 1956, the International Emergency Economic Powers Act, 50 U.S.C. § 1701 et seq., the Internal Revenue Code, Title 26 of the United States Code where applicable, and any other applicable federal, state, provider, payment network or regulatory requirements. Without limitation, international or cross- border use of PayJSR may also be subject to applicable local laws in the countries where sellers, buyers, providers, banks, processors, payout rails, products, services, data processing activities or transactions are located. These may include consumer protection laws, electronic commerce laws, privacy and data protection laws, tax laws, VAT, GST or sales tax laws, AML and sanctions laws, payment laws, banking laws, advertising laws, intellectual property laws, import and export laws, digital services laws, platform laws, marketplace laws and any other mandatory local laws. Where applicable, PayJSR may also consider international and regional legal frameworks, including Regulation (EU) 2016/679, known as the General Data Protection Regulation, the UK General Data Protection Regulation and Data Protection Act 2018, applicable local data protection laws, electronic transaction laws based on or influenced by international electronic commerce principles, payment network rules, card network rules, provider terms, banking partner rules and settlement partner requirements. If a mandatory law in any country gives a buyer or seller rights that cannot legally be waived, those mandatory rights will apply only to the extent required by that law. Nothing in these Terms is intended to exclude rights that cannot legally be excluded. If any provision of these Terms conflicts with mandatory applicable law, that provision will be interpreted or limited only to the minimum extent necessary, and the remaining Terms will continue to apply.
4.Definitions
In these Terms, “PayJSR”, “we”, “us” and “our” refer to the relevant PayJSR entity, operator, technology licensor, regional operating company, affiliate, contractor or service provider involved in providing the relevant service, unless the context requires otherwise. “Seller”, “merchant”, “user”, “you” and “your” refer to any person or business that creates an account, sells products or services, uses PayJSR to create products, accepts payments, uses PayJSR Commerce, connects its own payment provider, uses PayJSR APIs, receives payouts, uses PayJSR Balance, or otherwise uses PayJSR for business purposes. “Buyer” or “customer” refers to any person or business that purchases, subscribes, pays, checks out, receives access, receives delivery, interacts with a seller, or uses a PayJSR-hosted checkout, customer portal or payment page.
“Platform” means the PayJSR website, dashboard, checkout, API, customer portal, seller tools, billing tools, commerce tools, AI tools, payment orchestration layer, ledger, balance records, payout tools, risk tools and related infrastructure. “PayJSR Commerce” means the operating model where PayJSR may act as merchant of record, contracting merchant or transaction- side merchant for eligible approved transactions, while the seller remains responsible for the product, service, fulfilment, delivery, customer support, marketing claims, taxes, compliance and all related liabilities. “Merchant of Record” or “MoR” means the party that appears as the merchant or contracting merchant for an eligible payment transaction, collects the payment, may issue the receipt, manages the transaction-side transaction, and controls refunds, chargebacks, dispute handling, payout eligibility and settlement workflows, subject to applicable law and provider rules. “Bring Your Own Gateway” or “BYO Gateway” means the operating model where a seller connects its own payment providers, gateways, processors, wallets, bank rails or other payment accounts to PayJSR, and PayJSR acts as a technical, orchestration, checkout, billing, branding, API and operational infrastructure layer above those providers. “Provider” means any payment gateway, payment processor, card acquirer, bank, wallet provider, mobile money provider, payment service provider, open banking provider, fraud provider, KYC provider, payout provider, card network, settlement partner or other third-party service connected directly or indirectly to PayJSR. “PayJSR Balance” means the internal dashboard balance record showing amounts processed, received, pending, on hold, reserved, available, payable, adjusted, refunded, disputed, charged back or scheduled for payout. PayJSR Balance is an internal accounting and operational record only.
5.Platform Model
PayJSR is software as a service and commerce infrastructure. PayJSR powers online selling by providing the software layer for product creation, sales pages, hosted checkout, billing, subscriptions, payment routing, provider orchestration, customer portals, AI-assisted operations, ledger records, balance visibility, payout workflows, risk review, refunds, dispute handling and APIs. PayJSR does not replace gateways, processors, banks, card networks, mobile money providers, wallets or payment service providers. PayJSR sits above them as an orchestration and operating layer. PayJSR may connect to one or more providers, route payments between providers, retry eligible payments, select providers based on country, currency, method, amount, availability, risk, compliance, cost, approval rate or other operational rules, and centralize the seller and buyer experience through one PayJSR checkout, one dashboard and one API. PayJSR is not marketed as a standalone third-party payment aggregator. PayJSR is commerce and billing software, checkout infrastructure and payment orchestration infrastructure. In PayJSR Commerce, PayJSR may act as Merchant of Record for eligible approved transactions. In Bring Your Own Gateway, PayJSR acts as a technical, checkout, billing, API and orchestration partner above providers controlled by the seller. The legal and operational role of PayJSR depends on the operating model, country, provider, transaction and account approval. PayJSR may support different business types, including SaaS businesses, software platforms, mobile applications, marketplaces, digital product sellers, creators, infoproduct businesses, subscription businesses, service businesses, physical product sellers and independent online businesses. Approval to use PayJSR does not mean every product, method, country, provider, payout rail or feature is available to every seller. PayJSR may approve, reject, limit, delay, suspend or remove any seller, product, category, provider, country, currency, feature or payment method at any time based on risk, compliance, availability, provider rules or business judgment.
6.Account Registration, Eligibility and Continuous Review
To use PayJSR, you must create an account and provide accurate, complete and current information. You must have legal authority to bind the business or person you represent. If you create an account on behalf of a company, organization, platform, marketplace or other legal entity, you confirm that you are authorized to accept these Terms on its behalf. PayJSR may require identity verification, business verification, beneficial ownership information, tax information, bank account details, payout details, website details, social media pages, product descriptions, supplier information, delivery information, proof of stock, proof of fulfilment, proof of licensing, proof of authorization, business registration documents, director information, address verification, historical sales information, transaction records, customer support records, invoices or any other information PayJSR considers necessary for onboarding, risk review, compliance, provider approval, payout approval, dispute handling or continued access to the Platform.
PayJSR may approve or reject any account at its discretion. Account approval is not permanent. PayJSR may re-review your account at any time and may request additional documents or information before allowing you to continue using the Platform, process transactions, receive payouts, launch products, use certain payment methods, increase volume, change countries, change business model, change ownership or connect additional providers. You are responsible for keeping account credentials secure. You are responsible for all activity under your account, including activity by employees, contractors, developers, partners, agents, connected applications, API keys or anyone else with access to your account. You must immediately notify PayJSR if you suspect unauthorized access, credential compromise, fraudulent activity or misuse.
Account approval, seller approval, product approval, category approval, provider-route approval, payment-method approval, country approval and payout-rail approval are separate decisions. No seller, product, checkout, payment method, provider route, country, currency, payout rail, subscription model or commerce category is automatically approved because a seller account exists. PayJSR may require manual review, additional verification, supplier documentation, product evidence, proof of stock, proof of fulfilment, proof of licensing, support verification, tax information, provider approval, reserve review or a separate written approval before activation and at any time after activation.
7.Seller Responsibility
Sellers are fully responsible for the products, services, subscriptions, content, offers, prices, descriptions, claims, fulfilment, delivery, customer support, refunds, warranties, guarantees, taxes, compliance obligations and business activities they publish, sell or operate through PayJSR. Any product page, sales page, checkout page, funnel, offer, AI-generated page, AI- assisted message, image, video, copy, campaign, product description, subscription plan, pricing structure or marketing material created through PayJSR belongs to the seller or is controlled by the seller, subject to applicable third-party rights and PayJSR's platform rights. The seller is responsible for reviewing, approving and ensuring that all such content is accurate, legal, non-deceptive, non-infringing, compliant with applicable laws and consistent with the actual product or service delivered. Sellers must clearly disclose product information, prices, taxes, delivery timelines, refund rules, cancellation rules, subscription renewal terms, support contacts and other material terms before a buyer pays. Sellers must not mislead buyers about what they are purchasing, who supplies it, when it will be delivered, whether it is refundable, whether it is recurring, or whether any claim, result or guarantee is certain. PayJSR may reject, remove, hide, pause, suspend or disable any product, sales page, checkout, offer, subscription, AI content, campaign or account if PayJSR believes it may create legal, compliance, reputational, financial, fraud, chargeback, consumer harm, provider or operational risk.
8.AI Tools, Generated Content and Seller Responsibility
PayJSR may provide artificial intelligence tools, automation tools, product creation tools, sales page builders, checkout copy tools, customer communication tools, support automation, marketing assistance, funnel generation, product descriptions, images, recommendations, routing suggestions, risk insights, analytics, operational prompts or other AI-assisted features. All output generated, suggested, assisted, drafted or modified by PayJSR AI tools is provided for convenience and operational support only. PayJSR does not guarantee that AI-generated content is accurate, lawful, compliant, original, non-infringing, suitable for a particular product, suitable for a particular country, commercially effective, tax compliant, consumer-law compliant, advertising-law compliant or free from error. The seller is solely responsible for reviewing, approving, editing and verifying all AI-generated or AI-assisted content before publishing, sending, displaying, relying on or using it. The seller remains responsible for all product descriptions, promises, claims, prices, guarantees, delivery statements, refund statements, advertising claims, customer communications, checkout copy, subscription terms, support messages and any other content used in connection with the seller’s business. PayJSR is not responsible for any claim, refund, chargeback, buyer complaint, regulatory issue, advertising issue, intellectual property claim, consumer protection claim, tax issue, loss, penalty or damage arising from seller use of AI-generated or AI-assisted content. The seller agrees to indemnify and hold PayJSR harmless from any liability arising from content generated, edited, approved, published, sent or used by the seller, including content created with the assistance of PayJSR AI tools. PayJSR may review, restrict, remove, disable or block any AI-generated or seller- generated content where PayJSR believes the content may be illegal, misleading, high risk, infringing, deceptive, harmful, prohibited, non-compliant or damaging to PayJSR, buyers, providers, payment networks, regulators or the Platform.
9.PayJSR Commerce and Merchant of Record
For approved sellers and eligible transactions, PayJSR may offer PayJSR Commerce. In this model, PayJSR may act as the merchant of record, contracting merchant, transaction-side merchant or transaction merchant for the buyer’s checkout transaction. PayJSR may collect the payment, issue or facilitate the receipt, manage the checkout, select the provider, handle payment authorization, capture, settlement records, refunds, chargebacks, dispute processing, reserves, holds, payout eligibility and ledger records. In PayJSR Commerce, the seller remains the supplier, creator, vendor, platform, service provider, fulfilment partner or commercial party responsible for the underlying product or service. The seller remains fully responsible for product quality, delivery, fulfilment, customer support, marketing claims, tax obligations, legal compliance, consumer complaints, product defects, non-delivery, unauthorized products, intellectual property claims, chargeback losses, refund losses, fines, penalties, provider costs and any other liability arising from what the seller offers, sells or fails to deliver. By using PayJSR Commerce, the seller authorizes PayJSR to receive payments, manage transaction records, issue or facilitate buyer receipts, route transactions through providers, deduct fees, hold funds, create reserves, delay payouts, process refunds, respond to chargebacks, submit evidence, communicate with buyers, request additional documents, investigate disputes, recover losses, apply negative balance deductions and take any action PayJSR considers necessary to protect PayJSR, buyers, providers, payment networks, banks and the Platform. A seller has no unconditional or automatic right to receive funds immediately after a payment is made. Amounts shown in the PayJSR dashboard are subject to settlement availability, risk review, compliance checks, provider settlement, payout timelines, reserves, deductions, disputes, refunds, chargebacks, negative balances and these Terms. PayJSR may determine when and whether amounts become available for payout.
10.Bring Your Own Gateway
PayJSR may allow approved sellers to use Bring Your Own Gateway. In this model, the seller connects its own providers, gateways, processors, payment accounts, wallets, bank rails or payment service providers through the PayJSR dashboard or API. PayJSR acts as a technical, orchestration, checkout, billing, branding, routing, customer portal, API and operational infrastructure layer above those providers. Bring Your Own Gateway allows sellers to centralize multiple providers inside PayJSR instead of integrating each provider separately. Sellers may use PayJSR to create checkout sessions, centralize branding, manage products, route payments by country, currency, method, provider availability or business rules, connect customer portals, connect billing workflows, use analytics, use webhooks, use APIs and operate a more unified commerce infrastructure. In Bring Your Own Gateway, the seller remains responsible for its relationship with each provider. The seller must comply with all provider terms, payment network rules, gateway requirements, bank requirements, settlement rules, tax obligations and applicable laws. PayJSR is not responsible for whether a seller’s provider approves, declines, holds, terminates, delays, refunds, charges back, reserves or restricts any payment or account. By connecting a provider to PayJSR, the seller authorizes PayJSR to access, transmit, store, process, display, route and use the relevant provider credentials, tokens, API keys, transaction information, payment data, settlement data, refund data, dispute data and related metadata as necessary to provide the Platform. The seller is responsible for ensuring that it has the legal right and provider permission to connect that provider to PayJSR.
11.Payment Providers and Third-Party Rules
PayJSR works with or may connect to third-party providers, including gateways, processors, acquirers, banks, wallets, mobile money providers, card networks, open banking providers, fraud tools, identity verification providers, payout providers, tax tools, analytics tools and other infrastructure providers. By using PayJSR, you agree to comply with the rules, terms, policies and requirements of any provider used in connection with your transactions. This applies whether PayJSR is acting as merchant of record, providing managed commerce operations, routing a payment, connecting your own gateway, supporting payouts, processing refunds, managing disputes or providing technical infrastructure. Provider rules may change at any time. PayJSR may update routes, disable providers, change payment methods, limit countries, reject transactions, require new information, hold funds, delay payouts, update fees, change processing flows or terminate access where required by provider rules, network rules, legal requirements or risk controls. PayJSR is not liable for provider downtime, provider errors, provider holds, provider settlement delays, provider terminations, provider fees, provider restrictions, provider declines, provider compliance reviews, network disputes, bank reversals, third-party fraud decisions or any loss caused by a provider or third party outside PayJSR's reasonable control.
12.Payments, Billing and Subscriptions
PayJSR may support one-time payments, recurring payments, subscriptions, invoices, payment links, hosted checkout, customer portals, usage-based billing, product purchases, service purchases, digital access, physical product orders, marketplace flows and other billing models where enabled. For recurring billing and subscriptions, the seller must have clear authorization from the buyer before initiating recurring charges. PayJSR may provide subscription tools and customer portal tools, but the seller remains responsible for the accuracy and legality of the subscription offer. PayJSR may cancel, pause, refund, reverse or block subscriptions where required by law, provider rules, buyer complaints, risk review or these Terms. PayJSR may use providers to securely process payment credentials. Unless expressly stated otherwise, PayJSR does not directly store full sensitive card numbers or full card security codes. PayJSR may store payment tokens, transaction identifiers, provider references, last four digits, card brand, expiry metadata, billing metadata, risk metadata and other information necessary to operate checkout, subscriptions, refunds, disputes, compliance and customer support. PayJSR may show the seller’s approved legal name, business name, store name, product name, support contact, refund terms, cancellation terms, delivery terms and other relevant information on checkout pages, receipts, customer portals, payment descriptors, statements or buyer communications to reduce confusion and payment disputes. Charges may appear under PayJSR, PayJSR followed by a seller name, a provider descriptor or another descriptor determined by PayJSR or the applicable provider.
13.PayJSR Balance, Ledger and Payouts
PayJSR may display balance records, ledger entries, available amounts, pending amounts, holds, reserves, fees, deductions, refunds, chargebacks, payout requests, settlement dates and related financial records in the seller dashboard. PayJSR is not a bank. PayJSR does not provide deposit accounts, banking accounts, regulated investment products, lending products or financial advice. The PayJSR Balance is an internal operational ledger record and not a bank account or deposit. Amounts displayed as pending, available or payable may be adjusted for fees, taxes, refunds, disputes, chargebacks, provider fees, payout fees, FX fees, compliance holds, reserves, negative balances, penalties, corrections, reversals or other deductions permitted under these Terms. A PayJSR Balance does not earn interest, is not insured as a deposit and may be adjusted, reversed, held, reserved or deducted in accordance with these Terms. Payouts are not automatic and are not guaranteed immediately after a sale. Payouts are subject to risk review, reserve requirements, settlement availability, provider timelines, banking timelines, payout rail availability, compliance checks, identity verification, business verification, minimum payout thresholds, supported countries, supported currencies, chargeback exposure, refund exposure, negative balance exposure and any additional review PayJSR considers necessary. PayJSR may delay, cancel, reverse, reduce, split, hold or reject any payout if PayJSR believes there is legal risk, regulatory risk, provider risk, buyer risk, chargeback risk, fraud risk, business risk, account risk, non-delivery risk, documentation risk, tax risk, sanctions risk, money laundering risk, prohibited activity, suspicious activity, KYC or KYB issues, negative balance exposure or violation of these Terms. PayJSR may deduct from any payout all applicable platform fees, processing fees, gateway fees, payout fees, FX fees, refund amounts, chargeback amounts, dispute fees, provider fees, network fees, reserve amounts, penalties, taxes where applicable, negative balances, settlement corrections, failed payout fees, compliance costs and any other amounts owed by the seller to PayJSR.
14.Risk Review, Holds and Reserves
PayJSR maintains risk review and transaction monitoring controls to protect buyers, sellers, providers, banks, payment networks, regulators, PayJSR entities and the Platform. PayJSR may monitor accounts, products, buyers, transactions, payment methods, customer complaints, dispute ratios, refund ratios, chargeback ratios, sales volume, velocity, payout requests, delivery patterns, login activity, IP addresses, device signals, provider responses, KYC information, KYB information, sanctions indicators, anti-money laundering indicators, fraud indicators and any other data PayJSR considers relevant to protect the Platform. PayJSR may hold funds, create reserves, delay payouts, block balances, freeze accounts, disable products, restrict payment methods, limit processing, require additional documents, pause checkout, suspend API access, cancel payout requests or terminate accounts where PayJSR believes there is risk of fraud, chargebacks, refunds, buyer complaints, suspicious activity, money laundering, sanctions exposure, product risk, non-delivery, misleading marketing, abnormal volume, unusual transaction patterns, incomplete KYC, incomplete KYB, provider review, regulatory issue, legal issue, prohibited activity or violation of these Terms. PayJSR may apply rolling reserves, fixed reserves, percentage reserves, risk reserves, delivery holds, dispute reserves, provider holds, compliance holds, termination reserves or any other reserve structure PayJSR considers necessary. PayJSR may determine the amount, duration, release schedule and conditions of any reserve at its discretion, subject to applicable law. A reserve may remain in place after an account is closed or terminated if PayJSR believes funds may be needed to cover refunds, chargebacks, disputes, provider claims, buyer claims, fines, penalties, negative balances, tax exposure, legal claims or other losses. PayJSR may maintain a reserve for at least the period of potential chargeback, refund, provider, tax, legal or regulatory exposure, including periods required by provider rules or payment network rules, and longer where PayJSR reasonably considers it necessary based on risk exposure or applicable law.
15.Chargebacks, Refunds and Disputes
The seller is responsible for all refunds, chargebacks, disputes, reversals, provider fees, bank fees, network fees, chargeback fees, dispute fees, penalties, buyer claims, non-delivery claims, product claims, fraud claims, unauthorized transaction claims, subscription claims and related losses connected to the seller’s products, services, transactions or account. PayJSR may debit any refund, chargeback, dispute amount, fee, penalty, loss, provider cost, bank cost, network cost or related expense from the seller’s PayJSR Balance, reserve, pending funds, future payouts, connected accounts or any other amount owed by PayJSR to the seller. If the seller’s balance is insufficient, the seller must pay the amount owed to PayJSR on demand. PayJSR may also recover amounts after account closure or termination. PayJSR may decide whether to accept, reject, contest, refund, represent or respond to a dispute or chargeback. PayJSR may require the seller to provide evidence within the deadline set by PayJSR. Evidence may include proof of delivery, tracking numbers, access logs, download logs, customer communications, invoices, product descriptions, checkout records, IP addresses, device information, consent records, subscription authorization, refund policy acceptance, identity information, support records or any other information PayJSR requests. If the seller does not respond on time, does not provide sufficient evidence, provides false evidence, fails to prove delivery, fails to support the buyer, violates these Terms or creates excessive risk, PayJSR may issue a refund, accept the chargeback, suspend payouts, increase reserves, limit processing, terminate the account or recover losses from the seller. PayJSR may refund a buyer without the seller’s prior approval where PayJSR believes a refund is required by law, provider rules, card network rules, consumer protection rules, risk review, dispute handling, non-delivery, suspected fraud, seller non-response, misleading product claims, product defect, subscription issue, duplicate charge, unauthorized transaction or protection of the Platform.
16.Fees, Pricing and Deductions
PayJSR may charge platform fees, subscription fees, usage fees, transaction fees, processing fees, managed commerce operation fees, checkout fees, billing fees, API fees, routing fees, payout fees, FX fees, refund fees, chargeback fees, dispute fees, compliance fees, enterprise fees, provider pass-through fees, network fees and other applicable fees. Fees may be shown on the PayJSR pricing page, dashboard, checkout, invoice, order form, contract, email notice or other written communication. Fees may vary by country, currency, payment method, provider, operating model, business type, risk level, volume, payout rail, settlement currency, card type, account status or custom agreement. PayJSR may change its fees, pricing structure, deductions, payout fees, FX margins, reserve requirements or other commercial terms at any time. Where required or reasonably practical, PayJSR will notify users of material changes. Continued use of PayJSR after a pricing or fee change means the seller accepts the updated pricing. Certain provider fees, network fees, compliance fees, chargeback fees, dispute fees, refund fees, FX fees or risk-related fees may apply immediately where caused by third-party costs, provider requirements, network rules, risk exposure or operational necessity. PayJSR may deduct all fees and amounts owed before making any payout. PayJSR may also set off amounts owed by the seller against any amount PayJSR owes or may owe to the seller.
17.Taxes and Merchant of Record Tax Indemnity
The seller remains responsible for all taxes, duties, levies, VAT, GST, sales tax, digital services tax, withholding tax, income tax, customs duties, import duties, marketplace tax, platform reporting obligations, local business taxes, product taxes and any other governmental charges connected to the seller’s products, services, business activities, fulfilment, customers, suppliers, employees, contractors, revenue, payouts or use of PayJSR, except to the limited extent that PayJSR expressly states in writing that PayJSR will calculate, collect, report or remit a specific tax for a specific transaction, country or product category. Where PayJSR acts as merchant of record for eligible PayJSR Commerce, PayJSR may calculate, collect, withhold, deduct, report or remit certain taxes where PayJSR determines that it is required or appropriate under applicable law, provider rules, operating requirements or PayJSR policy. PayJSR's role as merchant of record for the payment transaction does not make PayJSR the manufacturer, importer, exporter, distributor, tax advisor, legal advisor, employer, agent, marketplace operator for all tax purposes, or permanent tax representative of the seller unless expressly required by law or agreed in writing. The seller is responsible for providing accurate product classification, seller location, buyer location, tax registration information, tax identification numbers, invoice information, product type, service type, delivery country, fulfilment information, exemption documentation and any other information required for tax treatment. PayJSR may rely on information provided by the seller. If any tax, penalty, interest, assessment, audit finding, withholding, reassessment, undercollection, overcollection, reporting failure or government claim arises because the seller provided inaccurate, incomplete, late, misleading or false information, the seller is responsible for the resulting liability. The seller agrees to indemnify, defend and hold harmless PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their affiliates, directors, officers, employees, contractors, providers and partners from and against any taxes, duties, penalties, interest, assessments, claims, audits, fees, costs, losses or expenses arising from the seller’s products, services, business activities, tax status, tax reporting, incorrect information, failure to register, failure to provide documents, failure to classify products correctly, failure to comply with tax laws, or any tax liability not expressly accepted by PayJSR in writing. PayJSR may withhold, deduct, reserve, delay payout, request documentation, correct ledger entries, issue adjusted records, suspend processing or terminate access where PayJSR believes tax risk, reporting risk, withholding risk, VAT risk, GST risk, sales tax risk, customs risk or other governmental risk exists. PayJSR may also report information to tax authorities, providers, regulators or government bodies where required or permitted by law.
18.Acceptable Use, Product Review, Prohibited and Restricted Activities
PayJSR may only be used for lawful, approved and compliant business activities. PayJSR is not an open, unrestricted marketplace and does not provide automatic approval for every seller, product, service, category, country, payment method, provider route, payout rail or business model. PayJSR may review, approve, reject, restrict, classify, pause, suspend or terminate any account, product, checkout, offer, subscription, sales page, AI-generated content, API use, provider route or payout workflow based on legal, compliance, provider, bank, payment network, consumer protection, tax, fraud, chargeback, refund, delivery, reputational, operational or business risk.
Approved categories may include SaaS, software, mobile applications, business tools, legitimate digital products, legitimate education products, templates, memberships, online services, professional services, subscriptions with clear authorization, physical products with reliable fulfilment evidence, creator products, platform services and other lawful products or services approved by PayJSR. Approval is always conditional on product review, seller verification, country availability, provider availability, risk profile, documentation, transaction history, support readiness, fulfilment capability and PayJSR discretion. Restricted categories may require manual approval, additional documents, lower limits, delayed payouts, rolling reserves, fixed reserves, delivery holds, dispute reserves, stronger buyer disclosures, product-specific refund rules, proof of stock, proof of fulfilment, proof of licensing, proof of legal authority, buyer delivery confirmation, supplier verification, support verification, provider approval or written approval before activation. Restricted categories may include high-value physical goods, cross- border physical shipping, dropshipping or third-party fulfilment, pre-orders, high-ticket digital products, coaching or education with performance claims, trading or financial education, health, wellness, beauty or supplement-related claims, tickets and events, marketplace-like selling, regulated products, products with elevated refund or chargeback risk, products involving sensitive buyer expectations, and any category PayJSR considers higher risk.
Prohibited activities include illegal products, fraudulent activity, deceptive sales practices, unauthorized financial services, money laundering, terrorist financing, sanctions violations, tax evasion, stolen goods, counterfeit goods, fake documents, identity fraud, card testing, unauthorized card use, phishing, malware, hacking tools, illegal drugs, unlicensed medicine, unsafe products, weapons, gambling, betting, lotteries, pyramid schemes, get-rich-quick schemes, misleading investment or income claims, adult sexual content or services, products that infringe intellectual property, products that violate consumer protection laws, products that create unacceptable chargeback risk, products that cannot be fulfilled, false product claims, simulated sales, fake buyers, transactions without a genuine underlying sale, processing for another business without approval, evasion of provider rules, or any business PayJSR considers high risk, harmful, unlawful, misleading, reputationally damaging or incompatible with the Platform.
A product, seller or category may be approved for one operating model, provider, country, currency, payment method, payout rail or transaction size but not approved for another. Approval to use PayJSR, approval to create an account, approval to create a product page, approval to connect a provider, approval to use PayJSR Commerce, and approval to receive payouts are separate approvals. PayJSR may require additional review before allowing increased volume, new countries, new products, new payment methods, new provider routes, new payout rails, new business models, new ownership, new websites, new marketing claims or materially changed product terms.
Approval is not permanent. PayJSR may re-review any seller, supplier, product, category, checkout, provider route, payout workflow or account at any time, including after increased sales volume, abnormal velocity, buyer complaints, refund growth, dispute growth, chargebacks, non-delivery signals, provider review, suspicious activity, compliance concerns, tax concerns, security events, changes to product claims, changes to fulfilment method, changes to ownership, changes to country exposure or changes to provider rules.
If PayJSR determines that a seller is operating a prohibited, restricted, misleading, illegal, high-risk or unapproved business, PayJSR may immediately suspend, limit or terminate the account, cancel products, disable checkout, block payouts, hold funds, create reserves, refund buyers, request documents, report activity where required or permitted, cooperate with providers or regulators, and recover any losses from the seller. PayJSR may make these decisions in its discretion, subject to mandatory applicable law and provider requirements.
19.Anti-Money Laundering, Sanctions and Transaction Monitoring
PayJSR may maintain risk controls, anti-money laundering controls, sanctions screening, transaction monitoring, fraud monitoring, velocity checks, payout monitoring, device checks, identity checks, business verification checks, provider checks and other compliance controls. You must not use PayJSR to disguise the source, ownership, destination or purpose of funds. You must not use PayJSR to process transactions for another business without approval, split transactions to avoid review, submit false information, use fake buyers, simulate sales, move funds without a genuine sale, process prohibited goods, evade sanctions, avoid tax obligations, manipulate chargeback ratios, bypass provider rules, or use PayJSR for any unlawful financial activity. PayJSR may block, delay, reject, refund, reverse, hold, investigate or report any transaction, payout, account or activity where PayJSR believes there may be money laundering, sanctions exposure, terrorist financing, fraud, illegal activity, suspicious activity, provider risk, regulatory risk or violation of these Terms. PayJSR may cooperate with providers, banks, regulators, tax authorities, courts, law enforcement and financial intelligence bodies where required or permitted by law. PayJSR may use manual review, automated rules, provider responses, device signals, transaction patterns, refund ratios, dispute ratios, chargeback ratios, delivery evidence, access logs, support records and seller documentation to identify misuse, prohibited activity, high-risk behaviour or activity requiring further review. PayJSR may require additional information before enabling, continuing or increasing processing, routing, payout or provider access.
20.Customer Support and Buyer Communications
Sellers are responsible for providing timely and accurate customer support. Sellers must respond to buyer questions, delivery issues, refund requests, cancellation requests, access issues, product complaints and dispute requests within the time required by PayJSR, applicable law or provider rules. PayJSR may communicate directly with buyers about payments, checkout, receipts, refunds, disputes, delivery evidence, account issues, customer portal access, subscription status, fraud review or any matter connected to a PayJSR transaction. PayJSR may require sellers to cooperate with buyer support and may take action if the seller fails to respond, provides misleading information or creates buyer harm. PayJSR may require sellers to use approved support channels, publish accurate support contact information, provide delivery evidence, maintain customer communication records and cooperate with PayJSR in any refund, dispute, fraud or chargeback investigation.
21.Intellectual Property and Seller Content
JSR Technologies, LLC owns or licenses the PayJSR technology, software, source code, object code, APIs, checkout infrastructure, product architecture, workflows, dashboards, documentation, trademarks, logos, design systems, user interface, platform concepts, proprietary methods, algorithms, risk tools, routing logic, AI infrastructure, brand assets and all related intellectual property, except for seller content and third-party content. PayJSR grants approved users a limited, revocable, non- exclusive, non-transferable and non-sublicensable right to access and use the Platform only for lawful business purposes in accordance with these Terms. You may not copy, modify, reverse engineer, decompile, resell, sublicense, scrape, interfere with, misuse, clone, compete with, bypass, attack or attempt to extract the source code, routing logic, risk logic, APIs, infrastructure, systems, designs, data models or proprietary methods of PayJSR. Sellers retain ownership of their own product content, sales pages, uploaded files, product images, descriptions, business data, customer content and other seller materials, subject to any third-party rights and these Terms. By using PayJSR, the seller grants PayJSR a worldwide, royalty-free, non- exclusive license to host, display, process, store, transmit, modify for technical formatting, translate, reproduce and use seller content as necessary to operate the Platform, provide checkout, support buyers, process payments, manage disputes, comply with law, improve services and protect the Platform. If you provide feedback, suggestions, ideas, feature requests, improvements or recommendations to PayJSR, PayJSR may use them without restriction or compensation.
22.Data, Privacy and Security
PayJSR collects, processes and shares personal data, business data, transaction data, payment metadata, device data, risk data, compliance data, buyer data, seller data and other information as described in the PayJSR Privacy Policy. By using PayJSR, you agree that PayJSR may process data for account creation, identity verification, business verification, checkout, billing, fraud prevention, risk review, compliance, transaction monitoring, refunds, disputes, chargebacks, payouts, analytics, customer support, provider integrations, legal obligations and platform operations.
Depending on the context, PayJSR may act as an independent controller, responsible party, processor, operator, service provider or similar role under applicable privacy laws. Sellers may also act as controllers or responsible parties for their own buyer data, marketing data, customer support data and product data. Sellers must comply with all applicable privacy, data protection, marketing, consumer protection and electronic communications laws when using PayJSR. Sellers must have the necessary rights, notices and permissions to provide customer data, product data, employee data, contractor data, transaction data or any other personal data to PayJSR. Sellers must not upload, transmit or process data through PayJSR in a manner that violates applicable privacy or data protection laws. PayJSR may share information with providers, banks, processors, card networks, KYC providers, fraud providers, cloud providers, analytics providers, communication providers, payout providers, tax providers, regulators, law enforcement, courts, advisors or other third parties where necessary to provide the Platform, comply with law, manage risk, process payments, handle disputes, prevent fraud or protect PayJSR.
23.API and Developer Use
PayJSR may provide APIs, webhooks, developer tools, documentation, sandbox environments, keys, tokens and integrations. Developers and sellers must use the API only in accordance with PayJSR documentation, security standards, rate limits, provider rules and these Terms. You are responsible for all activity using your API keys, tokens, credentials, connected applications and integrations. You must not expose API keys publicly, share credentials with unauthorized parties, use the API for prohibited activity, overload the Platform, bypass rate limits, attempt unauthorized access, interfere with other users, scrape data, simulate fraudulent transactions, test stolen cards or create security risk. PayJSR may rotate, suspend, revoke, limit or disable API access at any time for security, risk, compliance, operational or business reasons. PayJSR may change API endpoints, webhooks, documentation, feature availability or developer requirements where necessary to improve, secure, maintain or update the Platform.
24.Suspension, Limitation and Termination
PayJSR may suspend, limit, restrict or terminate any account, product, checkout, API key, provider connection, payment method, payout, balance, subscription, customer portal, AI feature or other access immediately and without prior notice where PayJSR believes there is high risk, fraud, attempted fraud, money laundering risk, sanctions risk, excessive chargebacks, excessive refunds, buyer complaints, prohibited products, misleading marketing, documentation issues, false information, non- delivery, suspicious activity, provider risk, legal risk, tax risk, account compromise, violation of these Terms or harm to PayJSR, buyers, providers or the Platform. PayJSR may also terminate or limit access for business, operational, provider, regulatory, technical or strategic reasons. PayJSR is not required to continue offering any feature, country, payment method, provider, operating model, payout rail or service. Termination does not remove the seller’s responsibility for refunds, chargebacks, disputes, negative balances, fees, penalties, taxes, customer claims, provider claims, legal claims or other obligations that arose before or after termination. PayJSR may continue to hold reserves, deduct amounts, process refunds, respond to disputes, recover losses, retain records and take any action necessary after termination.
25.Negative Balances and Recovery of Losses
If refunds, chargebacks, disputes, fees, provider costs, penalties, reversals, payout errors, tax deductions, compliance costs or other amounts exceed the seller’s available balance, the seller will have a negative balance and must pay PayJSR the amount owed. PayJSR may recover negative balances and losses by deducting from current balances, future payments, reserves, future payouts, connected accounts or any other amount payable to the seller. PayJSR may invoice the seller, debit an authorized payment method where permitted, refer the debt to collection, bring legal action, initiate arbitration or take any other lawful recovery action. The seller remains responsible for negative balances and recovery costs after account closure, suspension, termination, payout completion or cessation of use of PayJSR.
26.Confidentiality, Security and Platform Protection
PayJSR may provide non-public information, technical information, business information, pricing information, API information, risk information, provider information, security information or commercial information to users. You must keep such information confidential and use it only for your authorized use of PayJSR. You must not interfere with, disrupt, attack, scan, reverse engineer, overload, bypass, misuse, scrape, copy or attempt to gain unauthorized access to PayJSR, any PayJSR user, any PayJSR provider connection, any API, any dashboard, any checkout, any account, any payment flow or any security system. PayJSR may investigate security events, suspend access, rotate credentials, disable integrations, block traffic, preserve logs, notify providers, notify regulators, cooperate with law enforcement or take protective action where PayJSR believes there is security risk, platform misuse, data risk, fraud risk or operational harm.
27.No Warranty
PayJSR provides the Platform on an “as is” and “as available” basis. PayJSR does not guarantee that the Platform will be uninterrupted, error-free, always available, compatible with every provider, available in every country, free from delays, free from declines, free from chargebacks, free from fraud, free from provider issues or suitable for every business model. PayJSR does not guarantee that using the Platform will increase sales, improve approval rates, eliminate chargebacks, prevent disputes, guarantee payout, avoid regulatory review, avoid provider termination or make any business compliant with law. PayJSR may update, modify, suspend, discontinue or replace any product, feature, provider, country, route, API, checkout capability, AI tool, dashboard feature, payout rail or operating model at any time, subject to applicable law.
28.Limitation of Liability
To the maximum extent permitted by applicable law, PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their directors, officers, employees, contractors, licensors, providers and partners will not be liable for indirect, incidental, special, consequential, punitive or exemplary damages, loss of profits, loss of revenue, loss of business, loss of goodwill, loss of data, loss of customers, provider downtime, payment declines, payout delays, chargebacks, account holds, reserves, suspended accounts, terminated provider relationships or third-party actions. To the maximum extent permitted by applicable law, PayJSR's total liability for any claim relating to the Platform will be limited to the fees paid by the seller to PayJSR for the specific service giving rise to the claim during the three months before the event giving rise to the claim, unless applicable law requires a different limit. Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.
29.Indemnity
You agree to indemnify, defend and hold harmless PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their directors, officers, employees, contractors, licensors, providers and partners from and against any claims, losses, damages, penalties, fines, fees, costs, expenses, chargebacks, refunds, disputes, provider claims, buyer claims, tax claims, intellectual property claims, regulatory claims, legal claims or liabilities arising from your products, services, content, sales, fulfilment, non-delivery, customer support, business activities, taxes, misuse of the Platform, violation of these Terms, violation of law, violation of provider rules, fraud, negligence, misrepresentation or failure to pay amounts owed. This indemnity applies whether the claim is brought by a buyer, provider, bank, card network, regulator, tax authority, employee, contractor, supplier, business partner, consumer authority, competitor, intellectual property owner, data subject or any other third party.
30.Contracting Entity, Governing Law, Arbitration, Venue and Dispute Resolution
Unless a separate written agreement, order form, invoice, dashboard notice, regional term or provider requirement states otherwise, the default contracting entity will be determined by the service provided and the primary subject matter of the relationship. If the user is using PayJSR technology, software, APIs, developer tools, platform infrastructure, intellectual property, licensing, dashboard software, hosted checkout technology, Bring Your Own Gateway, global SaaS services or services provided, licensed or controlled by JSR Technologies, LLC, the contracting entity is JSR Technologies, LLC. If the user is approved for South African regional operations, South African PayJSR Commerce, South African settlement workflows, South African payout workflows, South African commercial operations or services expressly operated by PayJSR (Pty) Ltd, the contracting entity for those regional services is PayJSR (Pty) Ltd. If a user uses both technology services provided or licensed by JSR Technologies, LLC and regional commerce or operating services provided by PayJSR (Pty) Ltd, each entity is responsible only for its own part of the service. A claim relating to software ownership, APIs, intellectual property, dashboard technology, PayJSR platform infrastructure, technology licensing or Bring Your Own Gateway must be brought only against JSR Technologies, LLC. A claim relating specifically to South African managed commerce operations, local South African payout workflows or services expressly provided by PayJSR (Pty) Ltd must be brought only against PayJSR (Pty) Ltd. The user agrees not to name, join, sue, claim against or seek recovery from a PayJSR entity that did not provide or control the specific service giving rise to the dispute. If there is uncertainty about the applicable contracting entity, the dispute will be allocated according to the primary subject matter of the claim. Technology, software, API, intellectual property, licensing, dashboard, checkout infrastructure, BYO Gateway and global platform claims will be treated as JSR Technologies, LLC matters. South African managed commerce, South African local operation and South African payout workflow claims will be treated as PayJSR (Pty) Ltd matters. To the maximum extent permitted by applicable law, these Terms and any dispute, claim, controversy, proceeding, interpretation, enforcement or relationship arising out of or relating to PayJSR will be governed without regard to conflict of law principles. For users contracting with or using services provided, licensed or controlled by JSR Technologies, LLC, these Terms and any related dispute are governed exclusively by the laws of the State of Delaware and applicable United States federal law. For users contracting with or using services provided by PayJSR (Pty) Ltd, these Terms and any related dispute are governed exclusively by the laws of the Republic of South Africa. Before starting arbitration, court proceedings or any formal claim, the user must first send written notice to PayJSR describing the dispute, the entity involved, the account involved, the transaction involved, the amount claimed, the relief requested and the factual basis for the claim. The parties agree to attempt to resolve the dispute informally for at least thirty days after PayJSR receives the written notice, unless urgent relief is required to prevent fraud, misuse, chargeback exposure, dissipation of funds, data loss, intellectual property harm, security risk, regulatory harm, provider harm, buyer harm, money laundering risk, sanctions risk or other serious risk. The existence of a dispute does not require PayJSR to release funds, remove reserves, approve payouts, restore account access, reopen a terminated account, stop a risk review, cancel a compliance hold, stop a refund, stop a chargeback response, stop a provider investigation or stop any protective action PayJSR considers necessary. To the maximum extent permitted by law, any dispute, claim or controversy arising out of or relating to JSR Technologies, LLC, PayJSR technology, PayJSR software, PayJSR APIs, PayJSR intellectual property, PayJSR platform infrastructure, PayJSR dashboard, PayJSR checkout technology, Bring Your Own Gateway, technology licensing, United States operations, Delaware-governed services or these Terms must be finally resolved by binding individual arbitration seated in Wilmington, Delaware, United States, conducted in English, before one arbitrator. The arbitration will be administered by JAMS or the American Arbitration Association under its applicable commercial arbitration rules, unless PayJSR chooses another recognized arbitration administrator or the parties agree otherwise in writing. Judgment on the arbitration award may be entered in any court having jurisdiction. To the maximum extent permitted by law, any dispute, claim or controversy arising out of or relating to PayJSR (Pty) Ltd, South African PayJSR operations, South African PayJSR Commerce, South African settlement workflows, South African payout workflows, South African regional services, South African account activity or these Terms must be finally resolved by binding individual arbitration seated in Cape Town, South Africa, conducted in English, before one arbitrator. The arbitration will be administered under the rules of the Arbitration Foundation of Southern Africa, or if AFSA is unavailable or inappropriate for the dispute, under another recognized arbitration process selected by PayJSR or agreed by the parties in writing. Judgment on the arbitration award may be entered in any court having jurisdiction. If a dispute involving JSR Technologies, LLC is not subject to arbitration, cannot legally be arbitrated, requires urgent court relief, requires enforcement of an arbitration award, involves intellectual property protection, involves debt recovery, involves negative balance recovery, involves fraud, involves misuse of the Platform, involves provider harm, involves security risk or otherwise must be brought in court, the user agrees that the exclusive venue and jurisdiction will be the state or federal courts located in Delaware, United States. The user irrevocably submits to the personal jurisdiction of those courts and waives any objection based on inconvenient forum, lack of personal jurisdiction, improper venue or conflict of law principles. If a dispute involving PayJSR (Pty) Ltd is not subject to arbitration, cannot legally be arbitrated, requires urgent court relief, requires enforcement of an arbitration award, involves debt recovery, involves negative balance recovery, involves fraud, involves misuse of the Platform, involves provider harm, involves security risk or otherwise must be brought in court, the user agrees that the exclusive venue and jurisdiction will be the competent courts located in Cape Town, South Africa, including the Western Cape High Court where applicable. The user irrevocably submits to the jurisdiction of those courts and waives any objection based on inconvenient forum, lack of jurisdiction, improper venue or conflict of law principles. The user agrees not to bring any claim against PayJSR, JSR Technologies, LLC, PayJSR (Pty) Ltd, their directors, officers, employees, contractors, providers or partners in any court, tribunal, forum or jurisdiction other than the exclusive forums stated in these Terms, except where mandatory applicable law does not allow that restriction. To the maximum extent permitted by law, the user and PayJSR agree that each party may bring claims against the other only in its individual capacity and not as a plaintiff, claimant, class member, group member or representative in any class action, collective action, mass action, representative action, private attorney general action, group proceeding, consolidated proceeding or similar process. The arbitrator may not consolidate claims of different users, sellers, buyers, merchants, platforms or accounts. The arbitrator may not hear any class, collective, representative, consolidated or mass proceeding. The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that individual party’s claim. To the maximum extent permitted by law, the user and PayJSR knowingly and voluntarily waive any right to a trial by jury in any dispute, claim, action or proceeding arising out of or relating to PayJSR, these Terms, the Platform, PayJSR Commerce, Bring Your Own Gateway, PayJSR Balance, payouts, reserves, holds, refunds, chargebacks, provider connections, API use, account suspension, account termination or any related relationship. To the maximum extent permitted by law, any claim, dispute, action or proceeding against PayJSR, JSR Technologies, LLC or PayJSR (Pty) Ltd must be brought within one year after the event giving rise to the claim occurred, or within the shortest period permitted by applicable law if a one-year period is not enforceable. Any claim not brought within that time is permanently barred. This limitation does not prevent PayJSR from recovering negative balances, chargebacks, refund losses, provider fees, penalties, tax amounts, fraud losses, reserve deficiencies, legal costs, enforcement costs or any amount owed by a seller to PayJSR, to the extent permitted by applicable law. Nothing in these Terms prevents PayJSR from seeking urgent injunctive relief, interim relief, attachment, preservation of funds, debt recovery, enforcement of reserves, enforcement of payout holds, fraud remedies, intellectual property protection, security remedies, regulatory remedies or any other urgent remedy from any court of competent jurisdiction. Nothing in these Terms prevents PayJSR from holding funds, maintaining reserves, delaying payouts, blocking balances, disabling products, suspending accounts, terminating accounts, rejecting transactions, refunding buyers, responding to chargebacks, deducting fees, recovering negative balances, reporting suspicious activity, cooperating with providers, cooperating with banks, cooperating with regulators, cooperating with tax authorities, cooperating with law enforcement or taking any risk action while a dispute is pending. Unless prohibited by applicable law, the prevailing party in any arbitration or court proceeding may recover reasonable legal fees, arbitration fees, court costs, collection costs, expert fees, enforcement costs and other costs incurred in connection with the dispute.
Regardless of who starts a dispute, the seller remains responsible for chargebacks, refunds, dispute fees, provider fees, network fees, payout errors, negative balances, tax liabilities, penalties, fines, buyer claims, product claims, non-delivery claims, fraud losses and any other amount owed to PayJSR under these Terms. Users outside South Africa and the United States acknowledge that PayJSR operates globally through separate legal entities, providers and regional arrangements, and that use of PayJSR may involve cross-border services, cross-border data processing, cross-border payment providers, cross- border settlement, cross-border support and cross-border legal relationships. By using PayJSR, an international user agrees to the contracting entity rules, governing law rules, arbitration rules, exclusive venue rules, class action waiver, jury trial waiver and dispute process stated in these Terms, except where mandatory applicable law does not allow those provisions to apply.
31.Electronic Communications and Notices
You agree that PayJSR may provide notices, disclosures, agreements, updates, receipts, invoices, risk notices, compliance requests, payout notices, refund notices, chargeback notices, tax requests and other communications electronically through the dashboard, email, website, customer portal, API, webhook, support channel or other reasonable electronic method.
Electronic communications have the same legal effect as written communications to the maximum extent permitted by law.
You are responsible for keeping your email address, account details and contact information current. Notices sent to the contact details in your account will be treated as received when sent, unless mandatory law requires otherwise.
32.Changes to These Terms
PayJSR may update these Terms, pricing terms, risk rules, payout rules, acceptable use provisions, privacy terms, buyer protection terms, refund terms, delivery terms, compliance rules, provider rules, legal references and related documents at any time to reflect changes in law, provider requirements, payment network rules, tax requirements, regulatory expectations, risk standards, business operations or regional availability. When PayJSR makes material changes, PayJSR will notify users by posting the updated terms on the website, sending an email, showing a dashboard notice or using another reasonable method. The updated Terms become effective on the date stated in the updated version or, if no date is stated, when posted or notified. Continued use of PayJSR after the updated Terms become effective means you accept the updated Terms. If you do not agree with updated Terms, you must stop using PayJSR.
33.Assignment, Severability, No Waiver and Entire Agreement
You may not assign, transfer, delegate or sublicense your rights or obligations under these Terms without PayJSR's prior written consent. PayJSR may assign, transfer, delegate or subcontract these Terms or any rights or obligations under them to an affiliate, regional entity, successor, acquirer, service provider, technology provider or operating partner where necessary for business, legal, operational, financing, restructuring or compliance reasons. If any provision of these Terms is found invalid, illegal or unenforceable in any jurisdiction, that provision will be interpreted, limited or severed only to the minimum extent necessary, and the remaining provisions will continue in full force to the maximum extent permitted by law. PayJSR's failure to enforce any provision of these Terms is not a waiver of that provision or any other provision. Any waiver must be in writing and signed by PayJSR. These Terms, together with the PayJSR Commerce & Supplier Addendum, PayJSR Privacy Policy, PayJSR Buyer Terms, Buyer Protection, Refund, Delivery and Dispute Policy, PayJSR Payment Orchestration Documentation, pricing terms, provider rules, regional terms, product-specific checkout terms, order forms and any other written agreement, notice or policy provided by PayJSR, form the entire agreement between you and PayJSR for your use of the Platform, unless a separate written agreement expressly states otherwise. If these Terms are translated into another language, the English version controls to the maximum extent permitted by law.
34.Survival
The provisions relating to contracting entity responsibility, applicable law, arbitration, venue, class action waiver, jury trial waiver, limitation of claims, reserves, holds, payouts, chargebacks, refunds, negative balances, indemnity, tax responsibility, intellectual property, confidentiality, data, limitation of liability, recovery of losses, provider rules, suspension, termination and any obligation that by its nature should survive will survive account closure, suspension, termination, payout completion, contract termination and cessation of use of PayJSR.
35.Contact
Questions about these Terms may be sent to support@payjsr.com. Business and partnership enquiries may be sent to partners@payjsr.com. These Terms apply together with the PayJSR Commerce & Supplier Addendum, PayJSR Privacy Policy, PayJSR Buyer Terms, Buyer Protection, Refund, Delivery and Dispute Policy, PayJSR Payment Orchestration Documentation, pricing terms, provider rules, regional terms, product-specific checkout terms and any other agreement, notice or policy provided by PayJSR.
This page reproduces the PayJSR Terms of Service. PayJSR provides commerce, billing, checkout and payment-orchestration technology and is not a bank. Services described are available for approved accounts and are subject to provider availability, compliance review and applicable law. For questions, contact support@payjsr.com.