Terms of Service

By accessing or using PebblePay (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform.

PebblePay operates as a Merchant of Record ("MoR"), meaning we are the legal seller of digital products on behalf of our sellers. We handle payment processing, tax collection and remittance, compliance obligations, and dispute resolution.

• "Seller" refers to any individual or entity that creates an account on PebblePay and lists digital products for sale.
• "Buyer" refers to any end customer purchasing digital products through the Platform.
• "Merchant of Record" means PebblePay acts as the legal entity processing the transaction, responsible for tax compliance and payment handling.
• "Digital Products" means downloadable or electronically delivered goods, including but not limited to software, e-books, courses, templates, music, and digital art.
• "Payout" refers to the transfer of earned revenue (minus applicable fees) from PebblePay to the Seller.

As the Merchant of Record, PebblePay is the entity of record on all buyer transactions. This means:

• PebblePay appears on buyer bank/credit card statements.
• PebblePay manages payment disputes, chargebacks, and refunds.
• Sellers receive payouts from PebblePay, net of fees and any applicable reserves.

To become a Seller, you must meet the following criteria:

• Be at least 18 years of age or the age of majority in your jurisdiction.
• Provide accurate and complete information during the application process.
• Meet our minimum monthly revenue threshold of $5,000 USD (or equivalent).
• Only sell digital products that comply with our Acceptable Use Policy.
• Provide a valid cryptocurrency wallet address for payouts.

Sellers may not list, distribute, or sell the following through PebblePay:

• Illegal content or products that violate applicable laws in any jurisdiction.
• Content that infringes on third-party intellectual property rights.
• Malware, exploits, hacking tools, or any software designed to cause harm.
• Content involving the exploitation of minors.
• Fraudulent or misleading products (e.g., fake reviews, counterfeit goods).
• Products facilitating illegal gambling or unlicensed financial services.
• Stolen, leaked, or unauthorized data or credentials.

We reserve the right to remove content and terminate accounts at our sole discretion if any products violate these guidelines.

PebblePay charges a percentage-based fee on each transaction, determined by your monthly revenue tier. Current fee tiers range from 4% to 10% and are detailed on our Pricing page.

Payouts are made in cryptocurrency to the wallet address provided during your application. Payout schedules, minimum thresholds, and supported networks are outlined in our documentation.

Sellers are solely responsible for all tax obligations arising from their use of PebblePay, including but not limited to income tax, sales tax, value-added tax (VAT), goods and services tax (GST), and any other applicable taxes in their respective jurisdictions.

PebblePay does not collect, remit, or file taxes on behalf of Sellers. It is your responsibility to determine your tax obligations, register for applicable taxes, collect the appropriate amounts, and remit them to the relevant tax authorities.

Tax Documentation Requirements: PebblePay regularly requests Sellers to provide tax documentation, including but not limited to VAT registration certificates, tax identification numbers, and proof of tax filings. Sellers must respond to such requests within the specified timeframe (typically 14 business days).

Failure to provide requested tax documentation may result in immediate account suspension or termination. PebblePay reserves the right to withhold payouts pending verification of tax compliance status.

PebblePay does not provide tax advice. We strongly recommend consulting a qualified tax professional regarding your specific obligations.

PebblePay manages payment disputes and chargebacks on behalf of Sellers. If a buyer files a dispute, PebblePay will attempt to resolve it.

If a chargeback is initiated, the disputed amount may be deducted from pending payouts. Excessive chargebacks (above 1% of transactions) may result in account review, increased reserves, or termination.

PebblePay is committed to maintaining the highest standards of payment security in accordance with the Payment Card Industry Data Security Standard (PCI DSS). PebblePay maintains PCI DSS SAQ D compliance and undergoes regular security assessments. As a Seller on our Platform, you acknowledge and agree to the following:

• Secure Data Transmission: PebblePay securely transmits cardholder data for payment processing but does not store sensitive cardholder data (including full primary account numbers, CVV/CVC codes, or PIN data) on its servers. Only masked card identifiers and transaction references are retained for record-keeping and dispute resolution purposes.
• Encryption Standards: All cardholder data is transmitted using TLS 1.2 or higher encryption protocols, ensuring data is protected during transmission.
• Seller Obligations: Sellers must not request, collect, store, or process cardholder data directly under any circumstances. All payment collection must occur exclusively through PebblePay's secure checkout system.
• Access Controls: Access to cardholder data environments is strictly limited to authorized personnel and protected by multi-factor authentication and role-based access controls.
• Security Incident Reporting: Any suspected security incident involving payment data must be reported immediately to PebblePay support at security@pebblepay.io.

Violation of PCI DSS requirements, including unauthorized handling of cardholder data, may result in immediate account termination and potential legal liability.

PebblePay is a UK-registered company. Under UK law (Companies Act 2006 and HMRC requirements), we are legally required to retain certain records for specified periods:

• Accounting Records (6 Years Minimum): Sales records, invoices, transaction amounts, payout calculations, seller balances, refund records, and chargeback records must be retained for at least 6 years from the end of the financial year they relate to.
• Tax Records (6 Years): VAT, sales tax, and other tax-related documentation as required by HMRC.
• KYC/AML Records (5 Years): Identity verification and due diligence records must be retained for 5 years after the business relationship ends.

By using the Platform, you acknowledge that we will retain your transaction and financial data for these legally mandated periods, even after account closure. Full details are provided in our Privacy Policy.

PebblePay reserves the right to suspend or terminate any account that violates these Terms, engages in fraudulent activity, accumulates excessive chargebacks, or sells prohibited content.

Upon termination, any pending payouts will be held for a minimum of 90 days to cover potential chargebacks or disputes.

PebblePay is provided "as is" without warranties of any kind. To the maximum extent permitted by law, PebblePay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of revenue, data, or business opportunity.

We may update these Terms at any time. Material changes will be communicated via email or Platform notification at least 30 days before taking effect. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

Questions about these Terms can be directed to our support team.