Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Zateway platform, including our website at zateway.com, APIs, dashboards, checkout pages, plugins, and any related services (collectively, the "Service"). By creating an account or using any part of the Service, you agree to be bound by these Terms.

Zateway is operated by Zateway Technologies ("Company," "we," "us," or "our"). References to "you" or "Merchant" refer to any individual or entity that registers for or uses the Service. References to "Customer" or "Payer" refer to end-users who make payments through Zateway-powered checkout pages.

Zateway is a non-custodial cryptocurrency payment gateway that enables merchants to accept stablecoin payments (USDT and USDC) across multiple blockchain networks. Key characteristics:

• Non-Custodial: Zateway never holds, controls, or has access to your funds. All payments are routed directly from the payer's wallet to the merchant's wallet via smart contracts or atomic on-chain transfers.
• Instant Settlement: Funds arrive in the merchant's designated wallet within seconds of on-chain confirmation. There are no holding periods, batched payouts, or intermediaries.
• Multi-Chain: The Service operates on the following blockchain networks: Solana (Mainnet), Polygon PoS (Chain ID: 137), Base (Chain ID: 8453), Arbitrum One (Chain ID: 42161), Optimism (Chain ID: 10), and BNB Smart Chain (Chain ID: 56).
• Supported Tokens: Only USDT (Tether) and USDC (USD Coin) on the above-listed networks are accepted. Native gas tokens (MATIC, ETH, BNB, SOL) are not supported for merchant payments.

Zateway charges a flat 1% platform fee on every processed payment. This fee is:

• Transparent: The fee percentage is publicly visible and enforced by on-chain smart contracts (EVM) or atomic transaction splitting (Solana).
• Automatic: The fee is deducted at the point of settlement. The merchant receives 99% of the gross payment amount, and 1% is routed to the Zateway treasury wallet.
• Non-Refundable: Platform fees are not returned in the event of a refund. See Section 7 (Refunds) for details.
• No Hidden Charges: There are no monthly fees, setup fees, minimum transaction requirements, or volume-based surcharges.

Blockchain network gas fees (transaction fees) are paid by the payer as part of the standard blockchain transaction process and are not charged by Zateway.

When a Customer initiates a payment through a Zateway checkout:

1. The Customer sends the full payment amount from their personal wallet.
2. On EVM chains, the ZatewayRouter smart contract automatically splits the payment: 99% to the Merchant's wallet, 1% to the Zateway treasury.
3. On Solana, the checkout page constructs an atomic multi-instruction transaction that performs the same split natively, without requiring a deployed program.
4. The Zateway backend monitors the blockchain for the incoming transfer, verifies its finality, and updates the payment session status.
5. Webhook notifications are dispatched to the Merchant's configured endpoint.

Important: At no point during this process do funds pass through Zateway's servers or any intermediary wallet controlled by Zateway. The Company has no ability to freeze, reverse, or withhold any merchant funds.

As a Merchant using the Service, you agree to:

• Provide accurate wallet addresses for payment settlement. Zateway is not responsible for funds sent to incorrect addresses.
• Comply with all applicable laws and regulations in the jurisdictions where you operate, including but not limited to anti-money laundering (AML), know-your-customer (KYC), tax reporting, and consumer protection laws.
• Not use the Service for any illegal activities, including but not limited to: money laundering, terrorist financing, fraud, sale of prohibited goods/services, sanctions evasion, or any activity that violates applicable law.
• Secure your API keys (both publishable and secret) and not share them with unauthorized parties. If you suspect unauthorized access, rotate your keys immediately via the Dashboard.
• Clearly disclose to your Customers that they are paying in cryptocurrency and that blockchain transactions are generally irreversible.

Due to the non-custodial and on-chain nature of the Service:

• Refunds are the sole responsibility of the Merchant. Zateway does not process, mediate, or guarantee refunds.
• To issue a refund, the Merchant must send the net amount (original payment minus the 1% platform fee) directly from their wallet to the Customer's wallet.
• The 1% platform fee is non-refundable under all circumstances, as it has already been settled to the Zateway treasury at the time of the original transaction.
• Zateway provides refund tracking tools in the Merchant Dashboard for record-keeping purposes only. These tools do not execute on-chain refund transactions.

For complete details, please review our Refund Policy.

The Service may not be used by individuals or entities located in, or operating from, the following jurisdictions: Cuba, Iran, North Korea, Syria, Russia, and the Crimea, Donetsk, and Luhansk regions of Ukraine, or any other jurisdiction subject to comprehensive sanctions by the United States, European Union, or United Nations.

We reserve the right to block access or suspend accounts originating from restricted regions based on IP geolocation data.

All content, code, designs, trademarks, logos, and other intellectual property associated with the Service are owned by Zateway Technologies. You may not copy, modify, distribute, or create derivative works based on our intellectual property without prior written consent.

Merchants retain full ownership of their own business data, branding, and content. By using the Service, you grant Zateway a limited license to display your business name and logo on checkout pages for the purpose of facilitating payments.

Zateway is a non-custodial technology provider. TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied.
• Zateway is not liable for any losses arising from: blockchain network delays, congestion, or outages; incorrect wallet addresses; token price fluctuations; smart contract vulnerabilities in third-party contracts; unauthorized access to your account due to compromised credentials; regulatory actions in your jurisdiction.
• In no event shall Zateway's total liability exceed the amount of platform fees collected from your account in the 12 months preceding the claim.

You agree to indemnify, defend, and hold harmless Zateway Technologies, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: your use of the Service; your violation of these Terms; your violation of any applicable law; or any dispute between you and your Customers.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the jurisdiction where Zateway Technologies is incorporated. You agree to waive any right to participate in class-action lawsuits or class-wide arbitration.

For questions, concerns, or legal inquiries regarding these Terms:

• Email: support@zateway.com
• Contact Page: zateway.com/contact