Terms of Services |
Payment Circle
Effective Date: July 29, 2026
Introduction
These Terms and Conditions govern your access to and use of PaymentCircle’s website, products, and payment processing services. By accessing or using our services, you agree to comply with and be legally bound by these Terms and Conditions.
1: Our Services
Payment Circle provides payment processing consulting and merchant account placement services by connecting businesses with third-party payment processors, acquiring banks, and financial institutions.
Our services may include:
- Merchant account consultation
- Payment gateway recommendations
- Credit card processing solutions
- High-risk merchant account assistance
- ACH processing solutions
- Virtual terminal solutions
- Payment technology consulting
- Payment provider referrals
Payment Circle does not guarantee approval for any merchant account, payment processor, bank, or financial institution.
2: Eligibility
You must be at least 18 years old and legally authorized to operate a business in your jurisdiction to use our services.
By using our website, you represent that all information you provide is accurate and complete.
3: No Guarantee of Approval
Merchant account approvals are determined solely by the underwriting standards of third-party payment processors, banks, and financial institutions.
Payment Circle cannot guarantee:
- Merchant account approval
- Approval timeframes
- Processing limits
- Transaction volumes
- Processing rates
- Reserve requirements
- Funding schedules
Final decisions remain with the applicable financial institution or payment processor.
4: Business Information
You agree to provide truthful, accurate, and current business information during the application process.
Providing false or misleading information may result in:
- Application rejection
- Suspension of services
- Termination of any relationship
- Reporting to applicable financial institutions where required
5: Compliance
Customers are responsible for complying with all applicable laws, regulations, card network rules, and industry standards, including but not limited to:
- PCI DSS requirements
- Anti-Money Laundering (AML) regulations
- Know Your Customer (KYC) requirements
- Applicable federal, state, and local laws
- Visa and Mastercard operating regulations
6: Prohibited Businesses
Payment Circle does not knowingly support businesses engaged in illegal activities.
We reserve the right to refuse service to businesses involved in unlawful conduct or activities prohibited by our banking or processing partners.
7. Third-Party Services
Our website and services may connect you with independent third-party providers.
These providers operate independently from Payment Circle.
We are not responsible for:
- Their services
- Their pricing
- Their underwriting decisions
- Processing interruptions
- Banking decisions
- Funding delays
- Contract terms
Your relationship with any payment processor or financial institution is governed by their own agreements.
8. Fees
Payment Circle may receive referral or partnership compensation from certain payment providers.
Unless otherwise agreed in writing, Payment Circle does not charge customers directly for submitting merchant account applications.
Any processing fees, reserves, monthly charges, or contractual obligations are determined by the selected payment processor.
9. Intellectual Property
All website content, including:
- Logos
- Branding
- Graphics
- Text
- Designs
- Software
- Layouts
are the property of Payment Circle or its licensors and may not be copied, reproduced, or distributed without prior written permission.
10. Website Use
You agree not to:
- Attempt unauthorized access to our systems
- Upload malicious software
- Interfere with website functionality
- Copy or scrape website content
- Misrepresent your identity
- Use our services for unlawful purposes
11. Limitation of Liability
To the fullest extent permitted by law, Payment Circle shall not be liable for any:
- Lost profits
- Lost business opportunities
- Indirect damages
- Consequential damages
- Special damages
- Processing interruptions
- Banking decisions
- Chargebacks
- Fraud losses
- Third-party actions
Our total liability shall not exceed the amount, if any, paid directly to Payment Circle for the specific service giving rise to the claim.
12. Disclaimer
Our website and services are provided on an “as is” and “as available” basis.
We make no warranties regarding:
- Merchant approvals
- Website availability
- Processing performance
- Financial outcomes
- Business profitability
- Accuracy of third-party information
13. Privacy
Your use of our services is also governed by our Privacy Policy.
By using our services, you consent to the collection and use of information as described in that policy.
14. Termination
We reserve the right to suspend or terminate access to our website or services at any time if we believe you have violated these Terms or applicable law.
15. Indemnification
You agree to indemnify and hold harmless Payment Circle, its employees, officers, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of applicable laws
- Information you submit to us
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws specified in your customer agreement or, if none is specified, the laws of the jurisdiction in which Payment Circle is established, without regard to conflict of law principles.
17. Changes to These Terms
We may update these Terms from time to time.
The updated version will be posted on this page with a revised Effective Date.
Continued use of our website after changes become effective constitutes acceptance of the revised Terms.
18. Contact Us
If you have any questions regarding these Terms of Service, please contact us through the contact information provided on the Payment Circle website’s contact page.