These Terms and Conditions ("Terms") govern your access to and use of the EnterPay platform and services, including but not limited to our website, hardware terminals, mobile applications, APIs, and software dashboard (collectively, the "Platform"). By accessing or using any part of the Platform, you agree to be legally bound by these Terms. If you do not agree, do not use the Platform.
/ 01Definitions
- "EnterPay" refers to the non-custodial software platform operated by EnterPayment OÜ, a company incorporated in Estonia.
- "Merchant" refers to any individual or entity that uses the Platform to accept cryptocurrency payments.
- "Customer" refers to any individual or entity making payments to a Merchant using the Platform.
- "Third-Party Partner(s)" refers to licensed financial service providers with whom EnterPay integrates to process payments, perform KYB/KYC, and facilitate fiat settlements.
- "Terminal" refers to the hardware or software interface provided to Merchants for accepting crypto payments.
/ 02Scope of services
EnterPay provides a software infrastructure layer that:
- Allows Merchants to accept over 300 cryptocurrencies from Customers.
- Interfaces with licensed third-party payment processors who are responsible for regulatory compliance, KYC/AML, and crypto-to-fiat off-ramping.
- Offers Merchants a simple, legally compliant way to receive payments in fiat currency without directly interacting with cryptocurrency themselves.
- Does not custody, convert, or directly process any funds.
/ 03Merchant onboarding & KYB
- All Merchants must undergo Know Your Business (KYB) verification.
- The KYB process includes verification of legal entity information, UBO identification, sanctions and PEP checks, and proof of business activity.
- EnterPay reserves the right to suspend or terminate access if a Merchant fails to meet KYB requirements or provides false/incomplete data.
/ 04Customer payments & KYC
- Customers can pay using supported cryptocurrencies.
- KYC checks are performed by third-party partners only when regulatory thresholds are met (e.g., single or cumulative transactions over €1,000 or identified high-risk activity).
- Merchants are encouraged to monitor unusual or large transactions and report them where applicable.
/ 05Payment flow & custody
- Each transaction generates a unique wallet address under the custody of our licensed third-party provider.
- The provider receives the crypto payment and settles the fiat equivalent directly to the Merchant's designated bank account.
- EnterPay never takes custody of crypto or fiat funds.
/ 06Terminals & hardware
- Merchants may use a physical terminal or mobile version.
- Terminal usage is subject to the commercial agreement signed by the Merchant.
- Lost or damaged terminals are the responsibility of the Merchant.
/ 07Fees
Fees are outlined in a separate Commercial Annex and may include one-time terminal hardware costs (if applicable), monthly service subscription, and transaction-based commissions (for Customers only). All fees are subject to change with 30 days written notice.
/ 08Supported jurisdictions
EnterPay services are available only in countries where crypto payments are legally permitted. Merchants must not use the Platform in restricted jurisdictions.
/ 09Regulatory compliance
All financial services are handled through regulated third-party partners. EnterPay performs due diligence on its partners to ensure full compliance with AMLD, MiCA, and GDPR requirements.
/ 10Prohibited use
You may not use the Platform for:
- Money laundering or terrorist financing
- Fraudulent or illegal activity
- Selling or promoting illegal goods/services
- Circumventing sanctions or operating in banned jurisdictions
/ 11Intellectual property
All materials provided by EnterPay remain the intellectual property of EnterPay or its licensors.
/ 12Limitation of liability
To the extent permitted by law, EnterPay disclaims all warranties and will not be liable for loss of data or profits, downtime or service interruptions, issues caused by third-party providers, or indirect, incidental, or consequential damages.
/ 13Indemnification
Merchants and users agree to indemnify and hold harmless EnterPay from any claims, losses, or liabilities arising from use or misuse of the Platform, violation of laws or regulations, or breach of these Terms.
/ 14Termination
Either party may terminate the agreement with 30 days written notice, unless stated otherwise in the commercial agreement. EnterPay may suspend or revoke access in case of fraud, regulatory breaches, or policy violations.
/ 15Amendments
EnterPay may update these Terms at any time. Changes will be posted to our website and take effect immediately.
/ 16Governing law & dispute resolution
These Terms are governed by the laws of the Republic of Estonia. Any dispute shall be resolved in the competent courts of Tallinn, Estonia.
/ 17Contact information
EnterPayment OÜ
Tallinn, Kristiine linnaosa, Rahumäe tee 6b-67, 13415
Email: support@enterpay.io · Website: www.enterpay.io
/ 18Privacy policy
See our Privacy Policy for details on data collection, storage, and usage.