Effective July 4, 2026
These Terms and Conditions (“Terms”) govern access to and use of the AltirasPay website, intake forms, merchant pre-application materials, consulting services, underwriting-support services, referral services, placement-support services, compliance-support services, document-packaging services, AI-assisted intake and file-preparation services, AI and agentic technology services offered to businesses, communications, technology tools, and all related services offered by AltirasPay, LLC (“AltirasPay,” “we,” “us,” or “our”).
By accessing our website, submitting an inquiry, completing a pre-application, providing documents, engaging with our team, using our services or technology tools, authorizing us to contact banks, acquirers, processors, gateways, payment facilitators, vendors, or other financial-technology providers, or otherwise working with AltirasPay, you agree to these Terms.
If you are acting on behalf of a business, merchant, owner, officer, director, manager, beneficial owner, principal, contractor, affiliate, or other organization, you represent and warrant that you have authority to bind that person or entity to these Terms. If you do not agree to these Terms, do not use the website or the services.
These Terms incorporate by reference our Privacy Policy, SMS Terms and Conditions, and Cookie Policy, each published on AltirasPay.ai.
AltirasPay is a specialized merchant-services agency and technology provider. We assist lawful businesses, including high-risk and specialty merchants, with preparing underwriting files, gathering required documentation, organizing merchant packets, reviewing placement-readiness, and seeking banks, acquirers, processors, gateways, payment facilitators, technology providers, and other financial-service partners that may be willing to review the merchant for payment-processing or related services.
AltirasPay also builds and provides AI and agentic technology tools for businesses as a distinct service offering, described in Section 5. Those tools are business software; they are separate from, and do not change, our limited role in the payment-placement process described in these Terms.
Our founding team has worked in payments since 1996. Any experience metrics we reference reflect the founding team's career track record, not the current processing volume of AltirasPay.
AltirasPay is not a bank. AltirasPay is not an acquiring bank. AltirasPay is not a sponsor bank. AltirasPay is not a card network. AltirasPay is not a payment processor. AltirasPay is not a payment facilitator. AltirasPay is not a gateway unless expressly stated in a separate signed agreement. AltirasPay is not a law firm. AltirasPay is not a compliance authority. AltirasPay is not a regulator. AltirasPay is not an auditor. AltirasPay is not an insurer. AltirasPay is not a lender. AltirasPay is not a pharmacy. AltirasPay is not a healthcare provider. AltirasPay is not a gambling or gaming operator. AltirasPay is not a money transmitter. AltirasPay is not a money services business. AltirasPay is not a broker-dealer or investment adviser. AltirasPay is not a credit bureau. AltirasPay is not a substitute for licensed legal, regulatory, tax, accounting, medical, pharmaceutical, gaming, banking, securities, or financial advice.
AltirasPay submits files; the Bank and its underwriters decide. AltirasPay does not approve merchant accounts. AltirasPay does not decline merchant accounts. AltirasPay does not underwrite merchants. AltirasPay does not perform risk assessment on behalf of any bank, acquirer, or network. AltirasPay does not issue merchant identification numbers. AltirasPay does not hold, control, settle, or disburse merchant funds. AltirasPay does not determine final pricing, reserves, payout schedules, funding timelines, permissible transaction types, MCC codes, underwriting approvals, card-brand registrations, risk ratings, or account limits.
All underwriting decisions, risk assessments, credit decisions, approvals, declines, pricing determinations, reserve requirements, and account terms are made solely by the applicable bank, acquirer, processor, payment facilitator, gateway, card brand, network, sponsor bank, or other approved financial-service provider (each, a “Provider”), and by the human underwriters those Providers employ or designate.
AltirasPay's role is limited to assisting merchants with lawful, truthful, transparent preparation and presentation of their business information for review by potential Providers. We do not assist merchants in deceiving, misleading, circumventing, or defrauding banks, acquirers, processors, card brands, regulators, consumers, or any other party.
AltirasPay uses software, automation, and artificial intelligence to make the merchant experience faster and the underwriting file cleaner. Our AI performs two functions in connection with payment services, and only two functions:
Information gathering. Our AI asks for and retrieves information and documents from merchants quickly and efficiently, including through intelligent intake forms, automated document requests, follow-up communications, and voice or chat assistants.
Deal packaging and organization. Our AI packages, organizes, labels, cross-references, and summarizes the information a merchant provides so that the human underwriters at the applicable Provider can evaluate the deal in an organized manner, with correct deal explanations and complete supporting documents.
For the avoidance of doubt:
AI-assisted outputs may be incomplete, inaccurate, or require human review. AltirasPay reviews AI-assisted work product with human oversight before submission where practicable, and the merchant remains solely responsible for reviewing all materials, confirming accuracy, approving submissions, and ensuring that all information provided to any Provider is truthful, complete, and not misleading.
Separately from payment placement, AltirasPay offers AI and agentic technology tools as a business-software service. Depending on the engagement, these may include tools that support a client's own sales operations, marketing workflows, customer-service automation, communications, intake, scheduling, document handling, reporting, and workflow orchestration.
These technology services:
Submission of information to AltirasPay does not guarantee approval by any bank, acquirer, processor, gateway, payment facilitator, sponsor bank, card brand, or financial-service provider.
Any rates, fees, reserves, rolling reserves, funding schedules, payout timelines, volume limits, chargeback thresholds, setup fees, monthly fees, monthly minimums, transaction fees, discount rates, reserve percentages, fraud controls, or other terms displayed, discussed, quoted, estimated, or presented by AltirasPay are quoted estimates only unless expressly stated in a final written merchant agreement signed by the merchant and the applicable Provider.
Final terms are determined solely by the applicable underwriting party based on its review of the merchant's business model, ownership, processing history, chargeback history, fraud profile, financial condition, product and service offering, legal status, licensing, fulfillment practices, marketing practices, website content, consumer policies, regulatory risk, card-brand risk, and all other underwriting factors.
AltirasPay is not responsible for a Provider's refusal to approve an account, delay in underwriting, request for additional documents, imposition of reserves, change in pricing, funding hold, account closure, termination, card-brand registration requirement, legal-opinion requirement, compliance request, or post-approval monitoring action.
AltirasPay may provide some or all of the following services, depending on the engagement:
AltirasPay does not provide legal opinions unless separately arranged through licensed counsel. AltirasPay does not certify that any merchant is lawful, bankable, approved, card-brand compliant, FDA compliant, FTC compliant, TCPA compliant, state-law compliant, gambling-law compliant, healthcare-law compliant, tax compliant, or otherwise legally authorized to operate.
The merchant is solely responsible for the legality of its business, products, services, advertising, claims, fulfillment, licensing, registrations, website, consumer disclosures, refund policies, billing practices, subscription practices, marketing, lead generation, telemarketing, SMS messaging, email marketing, affiliate marketing, social media content, influencer content, shipping, import and export activity, data handling, and customer relationships.
The merchant must comply with all applicable federal, state, local, tribal, territorial, and international laws and regulations. This includes, where applicable, laws and regulations related to payment acceptance, consumer protection, unfair or deceptive acts or practices, privacy, data security, telemarketing, SMS messaging, email marketing, subscriptions, automatic renewals, negative-option billing, advertising, drug products, medical products, dietary supplements, cosmetics, controlled substances, gaming, gambling, sweepstakes, telemedicine, healthcare, money transmission, lending, debt collection, credit repair, firearms, alcohol, tobacco, crypto and digital assets, sanctions, anti-money-laundering, export controls, taxation, licensing, and recordkeeping.
The merchant is solely responsible for obtaining and maintaining all licenses, permits, registrations, legal opinions, regulatory approvals, local counsel memoranda, age-verification controls, prescription-verification controls, geofencing controls, consumer disclosures, and operational controls required for its business.
AltirasPay does not advise merchants to break the law, evade regulation, mislead a bank, hide material facts, disguise products, miscode transactions, launder transactions, use shell entities, conceal URLs, omit social media channels, alter product names to avoid detection, or otherwise circumvent card-brand, bank, processor, or legal requirements.
You agree to provide complete, accurate, current, and truthful information to AltirasPay and to any Provider or compliance vendor involved in the review of your business.
You must disclose all material facts, including without limitation:
A failure to disclose material information is grounds for immediate termination of services, cancellation of any pending submission, notification to the applicable Provider, indemnity obligations, and potential reporting where legally required or contractually necessary.
By submitting information to AltirasPay, you authorize AltirasPay to gather, receive, organize, review, verify, package, transmit, and share your business, ownership, financial, credit, banking, website, marketing, processing, operational, compliance, and supporting documentation with banks, acquirers, processors, gateways, payment facilitators, sponsor banks, card-brand registration providers, compliance vendors, risk vendors, software providers, technology vendors, consultants, attorneys, and other parties reasonably involved in evaluating, placing, supporting, monitoring, or servicing your merchant account or related services.
You acknowledge that AltirasPay may use AI-assisted tools to extract, organize, label, and summarize the information and documents you provide for the purpose of preparing an organized underwriting file for human underwriter review, consistent with Section 4.
You authorize AltirasPay and its Providers to verify information you submit, including business identity, ownership, beneficial ownership, tax identification, bank account information, processing history, website ownership, domain ownership, licensing, litigation history, regulatory history, credit profile, sanctions status, fraud risk, and related underwriting information.
You authorize AltirasPay to communicate with Providers on your behalf regarding your application, underwriting file, account status, compliance requests, documentation, pricing, reserves, funding, risk reviews, account monitoring, and related matters.
You understand that Providers may conduct business credit, personal credit, background, sanctions, anti-money-laundering, know-your-business, know-your-customer, adverse media, litigation, regulatory, criminal-record, fraud, bank-account, website, domain, social media, processing-history, and other risk checks.
You represent that each owner, officer, director, manager, beneficial owner, guarantor, control person, or authorized signer whose information is submitted has authorized the submission and any legally permissible verification, background, identity, credit, or risk check required for underwriting.
All such checks are performed by, or on behalf of, the applicable Provider or its designated vendors. AltirasPay is not responsible for the result of any such check or for any Provider's decision based on such information.
You must comply with all applicable card-brand, network, bank, acquirer, processor, gateway, payment facilitator, and sponsor-bank rules. This includes, without limitation, rules and programs administered by Visa, Mastercard, American Express, Discover, NACHA, PCI SSC, issuing banks, acquiring banks, sponsor banks, and payment processors, including applicable dispute-monitoring and merchant-monitoring programs and their thresholds as amended from time to time.
You understand that high-risk, high-brand-risk, and high-integrity-risk categories may be subject to enhanced underwriting, registration, monitoring, reserve requirements, pricing, audits, legal-opinion requirements, website reviews, transaction monitoring, compliance testing, and immediate termination if the merchant cannot demonstrate lawful operation and compliance.
You agree not to engage in any activity that could cause AltirasPay or any Provider to violate applicable rules or suffer fines, assessments, remediation costs, monitoring penalties, investigation costs, registration failures, account closures, or reputational harm.
You agree to reimburse, defend, indemnify, and hold harmless AltirasPay for any card-brand fines, network assessments, acquirer fees, processor fees, sponsor-bank fees, compliance-investigation costs, legal costs, chargebacks, refunds, consumer claims, regulatory claims, penalties, reserves, losses, or damages arising from your business, your transactions, your products, your services, your omissions, your misrepresentations, your marketing, your compliance failures, your chargebacks, your fraud, your illegal activity, or your violation of these Terms.
You may not use AltirasPay's services or technology tools to support, facilitate, conceal, submit, or place any business that engages in unlawful, deceptive, misleading, fraudulent, abusive, or card-brand-prohibited activity.
Prohibited conduct includes, without limitation:
AltirasPay may consider working with certain high-risk or specialty categories only if the merchant demonstrates lawful operation, full transparency, appropriate licensing, compliant marketing, compliant fulfillment, appropriate consumer protections, and willingness to meet enhanced underwriting requirements imposed by the applicable Provider.
Restricted categories may include, without limitation:
AltirasPay reserves the right to decline, pause, or terminate services for any category at any time, even if the category may be legal in one or more jurisdictions.
Any instruction to AltirasPay to omit, soften, reword, disguise, or minimize the true nature of a product.
AltirasPay is solely a sales, marketing, referral, merchant-introduction, and application-support organization.
AltirasPay provides prospective merchants with access to independent acquiring banks, sponsor banks, payment processors, payment facilitators, gateway providers, and other payment-service providers that maintain their own underwriting, legal, compliance, risk-management, merchant-acceptance, account-setup, transaction-monitoring, funding, reserve, and enforcement programs.
For purposes of this Section, each bank, processor, payment facilitator, acquiring institution, sponsor bank, gateway provider, or other payment-service provider evaluating or servicing a merchant is referred to as a “Provider.”
AltirasPay does not underwrite merchants, approve or decline merchant applications, determine product legality, determine card-brand compliance, assign merchant category codes, register merchants with card networks, establish merchant accounts, configure processing systems, monitor merchant transactions, monitor merchant websites, control merchant funds, impose reserves, release settlements, suspend processing, or terminate merchant accounts.
AltirasPay relies on each Provider to perform its own due diligence, underwriting, legal review, compliance review, risk evaluation, account setup, monitoring, and ongoing account administration. Each Provider independently determines whether and how it will accept, establish, operate, monitor, restrict, suspend, or terminate a merchant account under its own policies, agreements, risk appetite, card-network obligations, and applicable law.
AltirasPay's role is limited to sales, marketing, merchant introductions, application support, document collection, submission assistance, and communication support.
AltirasPay may:
AltirasPay does not itself provide banking, acquiring, payment-processing, underwriting, settlement, transaction-monitoring, merchant-account operation, or card-network services.
AltirasPay does not have authority to bind any Provider to an approval, pricing arrangement, reserve requirement, funding schedule, processing limit, contract term, or account condition.
Each Provider is an independent organization that operates under its own contracts, policies, procedures, licenses, registrations, card-network relationships, and regulatory obligations.
Each Provider controls its own:
AltirasPay does not own, operate, supervise, direct, or control the Provider's internal systems, personnel, decision-making procedures, or card-network relationships.
A Provider may change its underwriting standards, acceptable-business categories, risk appetite, required documentation, pricing, reserves, geographic restrictions, or monitoring requirements without AltirasPay's approval.
The Provider is responsible for conducting the due diligence it considers necessary before approving, establishing, or continuing a merchant account.
Depending on the merchant, business category, products, jurisdictions, and Provider requirements, Provider due diligence may include reviewing or verifying:
AltirasPay does not determine the scope of the Provider's due diligence.
AltirasPay does not decide which documents must be independently verified, which databases must be searched, which vendors must be used, what legal conclusions must be reached, or whether the Provider's review is sufficient.
The merchant is solely responsible for providing information that is complete, accurate, current, and not misleading.
Documents and statements supplied by a merchant remain the merchant's own representations to the Provider.
AltirasPay may receive, organize, and transmit those materials, but AltirasPay does not adopt, certify, authenticate, guarantee, endorse, or independently approve the merchant's representations merely because AltirasPay handled the submission.
AltirasPay does not independently certify:
The Provider determines whether independent verification is required and whether the information supplied satisfies the Provider's requirements.
AltirasPay's responsibility is limited to transmitting merchant-provided information honestly and without knowingly disguising, altering, or concealing the material nature of the merchant's business.
AltirasPay will not knowingly:
This does not mean AltirasPay performs its own underwriting, legal analysis, product classification, or compliance determination.
It means only that AltirasPay will not knowingly falsify or conceal material merchant information during the sales and submission process.
AltirasPay relies on the independent judgment of the Provider and the Provider's underwriting, legal, risk, compliance, fraud, operations, and account-management personnel.
AltirasPay relies on the Provider to determine:
AltirasPay does not conduct a separate underwriting process intended to replace the Provider's judgment.
Submission of an application through AltirasPay means only that the merchant has requested consideration by the Provider. It does not mean that AltirasPay has independently determined that the merchant is lawful, compliant, eligible, or acceptable.
The Provider is responsible for understanding, interpreting, and applying the Visa, Mastercard, and other applicable card-network rules governing its acquiring and processing activities.
The Provider determines how those rules apply to each merchant and proposed account.
This includes determining:
AltirasPay relies on the Provider to perform these functions under the Provider's agreements, internal policies, card-network obligations, and applicable law.
AltirasPay does not independently certify that a merchant complies with Visa, Mastercard, or any other card-network rules.
AltirasPay does not interpret card-network rules for the purpose of granting merchant approval.
AltirasPay does not represent that submitting an application constitutes card-network, bank, or processor approval.
AltirasPay cannot waive, modify, avoid, or override any card-network or Provider requirement.
AltirasPay relies on the Provider's independent judgment but does not guarantee that any Provider will reach a particular result.
Each Provider remains independently responsible for its own:
Nothing in this disclosure transfers a Provider's responsibilities to AltirasPay.
Nothing in this disclosure guarantees that a Provider will approve a merchant, maintain an approval, continue supporting a business category, or reach a particular legal or compliance conclusion.
AltirasPay does not select, assign, approve, negotiate, or change merchant category codes.
The Provider determines the appropriate merchant category code based on its review of the merchant's actual business activity.
AltirasPay does not decide whether a merchant must be registered under a Visa, Mastercard, or other card-network program.
The Provider determines:
AltirasPay may transmit information requested for registration, but AltirasPay does not make the registration decision and does not control the card network's response.
AltirasPay does not establish, board, configure, activate, or operate merchant accounts.
Following approval, the Provider or its authorized technology partners determine and control:
AltirasPay may introduce the merchant to the Provider's implementation, onboarding, technical-support, or account-management personnel.
AltirasPay does not control how or when the account is configured, whether an integration is successful, when credentials are issued, or when processing is activated.
AltirasPay may communicate preliminary pricing, proposed rates, estimated fees, or general program terms before underwriting is completed.
All preliminary pricing and terms remain subject to Provider review and final approval.
The Provider determines the final:
AltirasPay cannot guarantee that preliminary pricing or proposed terms will be approved.
Only the final written merchant agreement and related Provider-issued documents govern the account.
AltirasPay does not receive, hold, settle, reserve, freeze, release, redirect, or otherwise control merchant-processing proceeds.
The Provider controls:
AltirasPay may assist the merchant in communicating a funding question to the Provider, but AltirasPay cannot order the Provider to release funds, reduce a reserve, accelerate settlement, reverse an offset, or change a funding schedule.
AltirasPay does not operate the formal transaction, fraud, chargeback, merchant, website, or compliance-monitoring systems used by the Provider.
AltirasPay ordinarily does not have direct access to the Provider's complete:
The Provider determines the scope, frequency, methods, standards, and results of monitoring.
Provider monitoring may include:
The Provider determines whether a monitoring alert requires:
AltirasPay may relay a Provider monitoring request or request for additional information, but AltirasPay does not make the underlying monitoring or enforcement decision.
The Provider controls whether a merchant account remains active.
The Provider may suspend, restrict, or terminate an account under the merchant agreement, applicable law, card-network rules, and the Provider's internal policies.
AltirasPay cannot prevent, override, or reverse a Provider's decision to:
AltirasPay may assist with communications or transmit information supplied by the merchant, but the Provider retains final authority.
The merchant is responsible for operating only within the business model, products, services, websites, jurisdictions, and transaction activity approved by the Provider.
The merchant must disclose material changes as required by its merchant agreement.
Material changes may include:
AltirasPay may help transmit information regarding a proposed change, but the Provider determines whether the change requires additional underwriting, registration, restrictions, account modification, suspension, or termination.
Notice to an AltirasPay salesperson does not by itself constitute Provider approval.
AltirasPay may introduce regulated, specialized, or high-risk merchants to Providers that have indicated a willingness to receive and independently evaluate applications within the applicable general business category.
A Provider's willingness to receive an application does not mean:
The Provider independently determines whether it is permitted and willing to support the merchant and how the account will be operated.
AltirasPay may introduce merchants to U.S. or non-U.S. Providers.
Each Provider determines:
AltirasPay does not independently determine that offshore acquiring, foreign entity formation, overseas fulfillment, or international processing makes a merchant lawful or card-brand compliant.
The merchant remains responsible for obtaining qualified legal advice regarding every jurisdiction in which it operates, advertises, sells, ships, fulfills, accepts payments, or serves customers.
Provider due diligence and approval do not eliminate the merchant's responsibilities.
The merchant remains responsible for:
AltirasPay's sales and application assistance does not replace the merchant's legal, contractual, operational, or compliance responsibilities.
Nothing in this disclosure means that AltirasPay may knowingly submit false information, misrepresent its relationships, disregard its executed agreements, or conceal material merchant information at the merchant's request.
AltirasPay remains responsible for:
These limited responsibilities do not make AltirasPay the merchant's underwriter, acquiring institution, compliance officer, account operator, monitor, regulator, payment processor, or holder of funds.
AltirasPay does not guarantee:
Submission through AltirasPay means only that AltirasPay has facilitated the merchant's request for independent consideration by a Provider.
The merchant may begin processing only after receiving approval, account credentials, and authorization directly from the applicable Provider.
AltirasPay's role is to provide access to potential Providers, make introductions, assist with document collection, organize merchant-provided submissions, and facilitate communications.
The merchant's role is to provide truthful, accurate, complete, and current information; obtain appropriate independent legal advice; comply with its agreements; disclose material changes; and operate its business lawfully.
The Provider's role is to conduct its own due diligence and underwriting, interpret and apply its card-network obligations, classify the merchant, determine merchant category coding, complete any required registration, establish and configure the account, determine account terms, monitor processing activity, manage risk, control settlement and funding, impose reserves or restrictions, and decide whether processing may begin or continue.
AltirasPay relies on the Provider's independent judgment and does not substitute its own judgment for the Provider's underwriting, legal, compliance, risk, classification, setup, monitoring, funding, suspension, or termination decisions.
Merchants involved in iGaming, gambling, sweepstakes, skill games, fantasy sports, raffles, contests, prize promotions, social casinos, virtual casinos, virtual currency games, sports betting, casino games, card games, lottery-style promotions, or similar activities are solely responsible for ensuring that their operations are lawful in every jurisdiction where they advertise, accept customers, process payments, award prizes, or otherwise operate.
AltirasPay does not determine whether a gaming, gambling, sweepstakes, or prize-promotion model is legal. Depending on the Provider's requirements, AltirasPay may require some or all of the following before packaging a submission:
AltirasPay may decline, pause, or terminate any gaming-related merchant at any time.
Merchants in healthcare, telemedicine, pharmacy, prescription products, compounded products, medical devices, supplements, cosmetics, wellness, med-spa, peptide-adjacent, hormone, weight-loss, GLP-1, anti-aging, or similar categories are subject to enhanced due diligence.
The merchant must disclose all products, services, providers, licenses, prescribing practices, fulfillment practices, pharmacy relationships, laboratory relationships, claims, intake forms, patient flows, medical questionnaires, adverse-event processes, refund practices, advertising materials, social media, influencer activity, and customer support scripts.
The merchant must not make false, misleading, unsubstantiated, or unlawful claims. The merchant must not imply that AltirasPay, any bank, any processor, or any card brand has approved the safety, legality, efficacy, medical appropriateness, or regulatory status of any product or service.
AltirasPay may require legal opinions, healthcare counsel memoranda, FDA counsel memoranda, pharmacy-board documentation, state licensing documents, provider agreements, telehealth workflows, prescription-verification procedures, pharmacy-fulfillment agreements, and consumer-disclosure reviews.
Before AltirasPay submits a merchant for review, the merchant may be required to maintain a complete, accurate, and compliant website and checkout experience, served entirely over HTTPS.
At minimum, the merchant's website should clearly disclose:
The merchant must maintain consistency across website content, checkout pages, advertisements, social media, emails, SMS messages, affiliate pages, influencer content, customer-service scripts, and underwriting submissions.
The merchant is responsible for all advertising, promotional claims, affiliate content, influencer content, third-party content, testimonials, reviews, social media posts, videos, emails, SMS messages, Telegram groups, WhatsApp groups, Discord servers, Reddit posts, blogs, podcasts, webinars, landing pages, funnels, and other sales materials used to promote the merchant's products or services.
The merchant must ensure that all claims are lawful, truthful, not misleading, properly substantiated, and consistent with the underwriting file submitted to AltirasPay and any Provider.
The merchant may not use affiliates, influencers, agencies, or third parties to make claims that the merchant itself could not lawfully make.
The merchant must disclose all material affiliate, influencer, referral, commission, sponsorship, or endorsement relationships where required by law, and where an affiliate model is used, must provide a written affiliate marketing overview on request.
AltirasPay may request access to advertising accounts, landing pages, creative samples, affiliate terms, influencer agreements, email templates, SMS templates, call scripts, social media pages, private channels, or other marketing materials for underwriting-support or monitoring purposes.
Failure to disclose marketing channels or third-party promotional claims is a material breach of these Terms.
If the merchant uses telemarketing, robocalls, prerecorded messages, artificial voice, AI voice, ringless voicemail, SMS, MMS, email, lead generation, affiliate leads, third-party data, form fills, comparison-shopping leads, transfers, warm transfers, outbound calling, or similar marketing, the merchant is solely responsible for compliance with all applicable laws and industry requirements. This applies equally where the merchant uses AltirasPay-provided AI or agentic communication tools.
This may include, without limitation:
The merchant must not submit leads, calls, texts, transfers, or traffic generated through unlawful, misleading, deceptive, scraped, coerced, incentivized, or improperly consented methods.
The merchant must immediately honor opt-out requests and maintain records sufficient to prove consent and suppression compliance.
AltirasPay may refuse to work with any merchant whose marketing practices create unacceptable TCPA, DNC, 10DLC, carrier, card-brand, consumer-protection, or reputational risk.
Merchants offering subscriptions, memberships, free trials, discounted trials, continuity programs, autoship, recurring billing, automatic renewal, enrollment programs, or negative-option billing must comply with all applicable laws and card-brand rules.
The merchant must clearly and conspicuously disclose:
The merchant must obtain affirmative consent before charging. The merchant must provide cancellation methods that are simple, accessible, and not deceptive. The merchant must not use hidden terms, prechecked boxes, confusing checkout flows, dark patterns, unreasonable cancellation barriers, fake urgency, misleading savings claims, or unclear billing disclosures.
AltirasPay may require additional documentation, including checkout screenshots, cancellation-flow screenshots, subscription terms, customer receipts, reminder notices, refund logs, and cancellation logs.
The merchant is responsible for shipping, fulfillment, delivery, refunds, returns, cancellations, customer service, and complaint handling.
The merchant must have a reasonable basis to advertise shipping or delivery timelines and must comply with applicable consumer-protection rules when shipment is delayed, unavailable, or impossible. Where a Provider requires it, the merchant must document its fulfillment model, including inventory evidence or dropshipment agreements, and, for self-fulfillment, shipping documentation on company letterhead or shipping-partner agreements.
The merchant must honor its posted refund, return, cancellation, and delivery policies. The merchant must not use intentionally vague policies, contradictory policies, or policies that are materially different from what was submitted during underwriting.
The merchant must maintain customer-service resources sufficient for its transaction volume and risk profile.
AltirasPay may request refund logs, shipping records, tracking data, fulfillment agreements, warehouse information, customer-service logs, complaint logs, chargeback reports, and related documentation.
The merchant is solely responsible for preventing, monitoring, and resolving chargebacks, fraud, disputes, refunds, consumer complaints, retrieval requests, suspicious activity, excessive authorizations, declined-transaction patterns, refund abuse, refund avoidance, friendly fraud, transaction laundering, and card testing.
The merchant must maintain chargeback and fraud ratios within limits required by banks, acquirers, processors, card brands, and networks, including applicable network dispute-monitoring thresholds as amended from time to time, and must maintain a written risk-mitigation plan where a Provider requires one.
AltirasPay may request ongoing reporting, including:
Failure to provide requested monitoring information may result in suspension or termination of AltirasPay services.
The merchant understands that Providers may impose reserves, rolling reserves, fixed reserves, funding delays, payout holds, rolling holdbacks, volume caps, transaction limits, refund reserves, chargeback reserves, monthly minimums, or other risk controls.
AltirasPay does not control these decisions and is not liable for reserves, holds, funding delays, account freezes, funding suspensions, rolling reserve increases, reserve release timing, or monthly minimum billing.
Any discussion by AltirasPay regarding expected reserves, monthly minimums, settlement timing, or payout schedules is an estimate only unless contained in a final written agreement issued by the applicable Provider.
If a bank, acquirer, processor, sponsor bank, gateway, card brand, network, regulator, or third party imposes any fine, assessment, penalty, investigation cost, compliance fee, remediation cost, registration fee, monitoring fee, chargeback fee, fraud fee, audit cost, legal cost, reserve requirement, or other cost related to the merchant, the merchant is solely responsible for that amount.
The merchant agrees to reimburse AltirasPay for any such amount incurred by AltirasPay as a result of the merchant's business, conduct, products, services, transactions, omissions, misrepresentations, chargebacks, fraud, illegal activity, or violation of these Terms.
This obligation survives termination.
The merchant may not process or attempt to process transactions for any person, entity, product, service, URL, DBA, affiliate, marketplace seller, related company, or third party not approved by the applicable Provider. The merchant may not route transactions through another merchant account, use another business's account, submit transactions for undisclosed products, use hidden checkout pages, swap websites after approval, add new products without approval, or use multiple entities to conceal the true nature of processing. The merchant may not use AltirasPay to obtain processing for one business while intending to process for another.
Any violation of this section is grounds for immediate termination and may result in notification to the applicable Provider.
The merchant must immediately notify AltirasPay of any material change, including:
The merchant must not make material changes after approval without obtaining any required Provider approval.
The merchant is responsible for complying with PCI DSS and all applicable payment-data security requirements.
The merchant must not send full card numbers, CVV codes, track data, PINs, authentication data, or other sensitive payment credentials to AltirasPay unless specifically authorized through a secure, compliant method approved in writing.
AltirasPay does not need and does not request full cardholder data for standard merchant-placement services, and AltirasPay's AI intake and packaging tools are not designed to receive or store full cardholder data.
The merchant must maintain appropriate technical, administrative, and physical safeguards for customer data, payment data, personal information, health information, financial information, and confidential information.
The merchant must immediately notify AltirasPay of any actual or suspected data breach, payment-data compromise, credential compromise, ransomware event, unauthorized access, phishing event, or security incident that could affect underwriting, processing, consumer data, Provider relationships, or card-brand obligations.
AltirasPay may collect, receive, process, store, transmit, and share information as described in these Terms and in our published Privacy Policy.
Information may include business information, ownership information, beneficial-owner information, financial information, bank information, processing information, credit information, tax information, website information, marketing information, documents, communications, and other information needed to provide services.
The merchant represents that it has the legal right to provide all information submitted to AltirasPay and that it has obtained all required consents from owners, employees, contractors, customers, leads, agents, affiliates, and third parties.
The merchant must not provide sensitive personal information, protected health information, consumer credit information, children's information, or other regulated information unless necessary for the engagement and legally permitted.
AltirasPay and the merchant may exchange confidential business, financial, technical, operational, marketing, underwriting, compliance, and legal information.
Each party agrees to use reasonable care to protect the other party's confidential information and to use such information only for purposes related to the services, except where disclosure is required to banks, acquirers, processors, payment facilitators, gateways, sponsor banks, card brands, networks, compliance vendors, attorneys, regulators, law enforcement, courts, auditors, insurers, or other parties reasonably necessary to perform services, comply with law, enforce rights, or protect against risk.
Confidentiality obligations do not apply to information that is publicly available, independently developed, lawfully obtained from another source, approved for disclosure, or required to be disclosed by law, subpoena, regulator, court order, card-brand inquiry, bank inquiry, or Provider request.
AltirasPay may use software, automation, artificial intelligence, agentic workflows, CRM systems, document tools, data providers, and third-party technology to support intake, document collection, document organization, underwriting-file preparation, communications, summaries, and operational efficiency, consistent with Sections 4 and 5.
AI-assisted outputs may be incomplete, inaccurate, or require human review. The merchant remains solely responsible for reviewing all materials, confirming accuracy, approving submissions, validating legal and regulatory statements, and ensuring that all information provided to any Provider is truthful, complete, and not misleading.
AltirasPay does not use AI to provide legal advice, regulatory opinions, medical advice, pharmaceutical advice, financial advice, tax advice, underwriting decisions, risk assessments, credit decisions, or approval or decline determinations. All such decisions, where they occur, are made by the appropriate licensed professionals, Providers, and human underwriters.
The merchant must not upload or submit information to AltirasPay or its technology tools that it is not legally authorized to share, and must not attempt to manipulate, prompt, or misuse AltirasPay's AI tools to generate misleading underwriting materials or to circumvent any control described in these Terms.
The merchant is responsible for maintaining a website and customer experience that comply with applicable accessibility, consumer-protection, privacy, disclosure, language-access, and anti-discrimination requirements.
AltirasPay may identify website issues as part of a placement-readiness review, but any such review is not a legal audit, accessibility audit, privacy audit, or guarantee of compliance.
The merchant is responsible for obtaining qualified legal, technical, and accessibility review where required.
AltirasPay may refer, introduce, or coordinate with third-party banks, acquirers, processors, gateways, payment facilitators, sponsor banks, consultants, attorneys, compliance vendors, technology vendors, software providers, CRM providers, chargeback vendors, risk vendors, KYC and KYB vendors, bank-verification vendors, SMS providers, email providers, call-center providers, and other service providers.
Third-party providers are independent from AltirasPay unless expressly stated otherwise in writing.
AltirasPay is not responsible for third-party acts, omissions, decisions, pricing, reserves, underwriting requirements, delays, denials, outages, errors, fees, contract terms, support issues, data handling, or compliance failures.
The merchant is responsible for reviewing and agreeing to any third-party provider's terms, fees, privacy policy, data-processing terms, merchant agreement, processing agreement, gateway agreement, equipment agreement, software agreement, reserve agreement, and compliance requirements.
AltirasPay may charge setup fees, consulting fees, document-preparation fees, underwriting-support fees, platform fees, monthly fees, placement fees, success fees, referral fees, technology fees, AI and agentic tool subscription fees, compliance-support fees, or other fees as set forth in a separate written order form, invoice, proposal, statement of work, or signed agreement.
Unless otherwise stated in writing, fees paid to AltirasPay are for services performed by AltirasPay and are not bank approval fees, card-brand registration fees, reserve payments, processing fees, or legal fees.
AltirasPay fees are not contingent on final bank approval unless expressly stated in a signed written agreement.
AltirasPay may suspend services for nonpayment.
Information provided by AltirasPay, whether by our team or by our technology tools, is for business, operational, placement-support, and underwriting-support purposes only.
AltirasPay does not provide legal advice, regulatory advice, tax advice, accounting advice, medical advice, pharmaceutical advice, gaming-law advice, financial advice, securities advice, lending advice, or compliance certifications.
The merchant must consult qualified licensed counsel and other professional advisors regarding its legal obligations, regulatory obligations, tax obligations, healthcare obligations, pharmacy obligations, FDA obligations, gaming obligations, advertising obligations, telemarketing obligations, SMS obligations, consumer-protection obligations, privacy obligations, and card-brand obligations.
No communication from AltirasPay creates an attorney-client relationship, fiduciary relationship, medical relationship, pharmacy relationship, or regulated advisory relationship.
AltirasPay may request legal opinions, counsel memoranda, regulatory analyses, or other attorney-prepared materials from the merchant.
AltirasPay may help organize or transmit such materials to Providers. AltirasPay does not verify the legal sufficiency of attorney materials and does not guarantee that any Provider, card brand, regulator, or third party will accept them.
If a Provider requires a legal opinion, the merchant is responsible for obtaining and paying for the opinion from qualified counsel, addressed to the parties the Provider designates.
The merchant may not submit fabricated, altered, expired, misleading, incomplete, or inapplicable legal opinions.
The merchant represents and warrants that it and its owners, officers, directors, managers, beneficial owners, employees, contractors, affiliates, suppliers, customers, and counterparties are not subject to sanctions, embargoes, prohibited-party lists, or other restrictions that would prohibit doing business with AltirasPay or any Provider, and that no processing activity, fulfillment, banking, or customer base is tied to sanctioned jurisdictions or sanctioned parties.
The merchant must not use AltirasPay services for money laundering, terrorist financing, sanctions evasion, fraud, bribery, corruption, illegal exports, illegal imports, or other unlawful activity.
The merchant must immediately notify AltirasPay if it becomes subject to sanctions, investigation, enforcement action, or restricted-party designation.
Merchants selling, shipping, marketing, fulfilling, acquiring, or processing across borders are solely responsible for complying with all applicable laws in each jurisdiction involved.
This includes laws relating to product legality, advertising, consumer protection, privacy, data transfer, import, export, customs, sanctions, tax, VAT, duties, healthcare, pharmacy, gambling, age verification, restricted goods, and payment acceptance.
AltirasPay may require jurisdictional legal opinions, geofencing, shipping restrictions, customer restrictions, country exclusions, tax documentation, customs documentation, export-control documentation, import authorization, and other controls before considering a submission.
Offshore structure is not a substitute for compliance.
The merchant may not use the name, logo, trademarks, trade names, or branding of AltirasPay, any bank, any acquirer, any processor, any payment facilitator, any gateway, any sponsor bank, any card brand, or any Provider in advertising, marketing, public statements, press releases, social media, investor materials, consumer-facing claims, or website content without prior written authorization.
The merchant may not state or imply that AltirasPay, a bank, an acquirer, a processor, a card brand, or a Provider has approved, endorsed, certified, validated, tested, reviewed, guaranteed, or confirmed the legality, safety, efficacy, legitimacy, quality, or compliance of the merchant's products or services.
AltirasPay owns or licenses all rights in its website, content, trademarks, service marks, logos, designs, workflows, forms, templates, checklists, underwriting-file formats, business summaries, intake processes, software configurations, AI and agentic workflows, prompts, tool configurations, and proprietary materials, except for materials provided by the merchant or third parties.
The merchant may not copy, reproduce, distribute, resell, reverse engineer, decompile, scrape, train models on, modify, publish, or exploit AltirasPay materials or technology tools except as expressly authorized in writing.
Materials prepared by AltirasPay for a merchant may be used by the merchant solely for the intended underwriting, placement, or service purpose, subject to payment of all applicable fees. The merchant retains ownership of the merchant's own documents and data.
You consent to receive communications from AltirasPay by email, phone, SMS, messaging platforms, electronic portals, digital forms, e-signature platforms, AI-assisted voice or chat assistants, and other electronic means. SMS communications are further governed by our published SMS Terms and Conditions, including opt-in, STOP, and HELP handling.
You agree that electronic signatures, electronic consents, electronic records, scanned documents, uploaded documents, checkbox consents, typed names, email approvals, and digital acceptance methods may be used in connection with AltirasPay services to the fullest extent permitted by law.
You are responsible for ensuring that all contact information provided to AltirasPay is accurate and current.
Where a user separately and affirmatively enrolls in AltirasPay SMS communications, AltirasPay may send transactional messages concerning account verification, two-factor authentication, security, merchant applications, document requirements, processor or underwriting requests, account status, and support. SMS enrollment is governed by the AltirasPay SMS Terms and Conditions and the Privacy Policy. Reply STOP to a supported messaging number to opt out of recurring SMS messages, and HELP for assistance. Message frequency varies and message and data rates may apply.
AltirasPay may suspend, pause, decline, or terminate services at any time if:
Termination does not relieve you of payment obligations, indemnity obligations, confidentiality obligations, reimbursement obligations, or any other obligations that by their nature should survive termination.
AltirasPay services and technology tools are provided on an “as is” and “as available” basis.
AltirasPay disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, uptime, approval, processing continuity, legal compliance, regulatory compliance, card-brand compliance, underwriting success, AI output accuracy, or suitability for any specific Provider.
AltirasPay does not warrant that any merchant will be approved, that any account will remain open, that pricing will remain unchanged, that reserves will be released, that funding will occur on any particular schedule, that chargebacks will be avoided, that card-brand registration will be accepted, that any AI-assisted output will be error-free, or that any Provider will continue supporting the merchant's category.
To the maximum extent permitted by law, AltirasPay will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, including lost profits, lost revenue, lost business, lost processing, lost data, lost goodwill, business interruption, account closure, reserve holds, funding delays, chargebacks, fines, penalties, or reputational harm.
To the maximum extent permitted by law, AltirasPay's total liability for any claim arising out of or related to these Terms or the services will not exceed the amount actually paid by the merchant to AltirasPay for the specific service giving rise to the claim during the three months preceding the event giving rise to liability, or $500, whichever is greater.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply.
You agree to defend, indemnify, and hold harmless AltirasPay and its owners, officers, directors, managers, employees, contractors, agents, representatives, affiliates, successors, and assigns from and against any claims, demands, damages, losses, liabilities, fines, penalties, assessments, chargebacks, refunds, reserves, fees, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:
This obligation survives termination.
Before filing any claim, the parties agree to attempt in good faith to resolve the dispute informally by written notice to contact@altiraspay.ai and reasonable discussion for a period of at least thirty (30) days.
Unless prohibited by law, any dispute arising out of or related to these Terms or AltirasPay services will be resolved by binding arbitration on an individual basis, administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Denton County, Texas.
No party may bring claims as a class action, collective action, private attorney general action, or representative action unless this waiver is prohibited by applicable law.
Either party may seek injunctive or equitable relief in court to protect confidential information, intellectual property, payment obligations, fraud prevention, or misuse of services.
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, unless a separate signed agreement states otherwise.
Subject to the dispute-resolution section above, any permitted court action must be brought in the state or federal courts located in Denton County or Tarrant County, Texas, and each party consents to personal jurisdiction and venue in those courts.
You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without AltirasPay's prior written consent.
AltirasPay may assign or transfer these Terms in connection with a merger, acquisition, sale of assets, reorganization, financing, change of control, or transfer of business operations.
If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable or, if modification is not permitted, severed.
AltirasPay's failure to enforce any provision of these Terms is not a waiver of its right to enforce that provision later.
Any waiver must be in writing and signed by AltirasPay.
AltirasPay is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, pandemics, internet or telecommunications failures, third-party platform or model outages, power failures, or Provider actions.
AltirasPay and the merchant are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, franchise, employment, or fiduciary relationship. Neither party may bind the other except as expressly authorized in a signed writing.
These Terms, together with any signed agreement, order form, invoice, statement of work, the Privacy Policy, the SMS Terms and Conditions, the Cookie Policy, any compliance addendum, merchant disclosure, or incorporated policy, constitute the agreement between you and AltirasPay regarding the services.
If a signed written agreement conflicts with these Terms, the signed agreement controls only as to the specific conflict.
AltirasPay may update these Terms from time to time. Updated Terms will be posted on the website with a revised effective date.
Continued use of the website or services after updated Terms are posted constitutes acceptance of the updated Terms.
Questions regarding these Terms may be sent to:
AltirasPay, LLC, 2560 King Arthur Blvd, Ste 124-12, Lewisville, TX 75056.
Email: contact@altiraspay.ai. Website: AltirasPay.ai
By submitting information to AltirasPay and completing a Pre-Application, you certify that:
AltirasPay, LLC, 2560 King Arthur Blvd, Ste 124-12, Lewisville, TX 75056 · info@altiraspay.ai
