Please read these terms carefully before using our services.
Last Updated: January 1, 2026
Effective Date: January 1, 2026
Welcome to Instant Transaction. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Instant Transaction ("Company," "we," "us," or "our") governing your access to and use of our website, payment gateway services, APIs, and related services (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services. These Terms comply with applicable United States federal and state laws, including electronic commerce regulations, consumer protection laws, and financial services regulations.
To use our Services, you must:
By using our Services, you represent and warrant that you meet all eligibility requirements. We reserve the right to terminate your account if we discover that you do not meet these requirements.
To access certain features of our Services, you must create an account. When creating an account, you agree to:
You are responsible for maintaining the confidentiality of your account credentials. You agree to:
We will not be liable for any loss or damage arising from your failure to comply with these security obligations.
Instant Transaction provides payment gateway services that enable merchants to:
Our Services are subject to the following limitations:
You agree to pay all fees associated with your use of our Services as outlined on our pricing page or in your merchant agreement. Fees may include:
We reserve the right to modify our fees upon thirty (30) days' advance notice. Continued use of our Services after fee changes constitutes acceptance of the new fees.
Fees are automatically deducted from your transaction proceeds or charged to your designated payment method. You are responsible for ensuring sufficient funds are available to cover all fees.
You agree not to use our Services for:
We do not provide services to businesses engaged in the following categories:
By submitting a transaction through our Services, you represent and warrant that:
Transaction proceeds, less applicable fees, will be deposited to your designated bank account according to your settlement schedule. Settlement times may vary based on your account type and risk profile.
We may establish a reserve fund to secure your obligations under these Terms. Reserves may be used to cover chargebacks, refunds, fees, or other liabilities. We will notify you of any reserve requirements.
We may delay or hold funds in the following circumstances:
You are fully liable for all chargebacks, disputes, and reversals related to your transactions. You agree to:
You agree to pay chargeback fees as specified in your merchant agreement. Additional fees may apply for excessive chargebacks or failure to respond to disputes.
We provide fraud monitoring tools and services. However, you remain responsible for implementing appropriate fraud prevention measures for your business.
You are responsible for establishing and communicating your refund and return policies to customers. All refunds must be processed through our Services and are subject to applicable fees.
All content, trademarks, logos, software, and materials provided through our Services are owned by or licensed to Instant Transaction. You are granted a limited, non-exclusive, non-transferable license to use our Services in accordance with these Terms.
You may not:
You retain ownership of content you submit through our Services. You grant us a license to use such content as necessary to provide and improve our Services.
You agree to maintain the confidentiality of any non-public information disclosed by us, including API keys, security credentials, and proprietary business information. This obligation survives termination of these Terms.
Your use of our Services is governed by our Privacy Policy, which is incorporated by reference into these Terms. You agree to comply with all applicable data protection laws in your collection and handling of customer data.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSTANT TRANSACTION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
The limitations in this section do not apply to:
You agree to indemnify, defend, and hold harmless Instant Transaction and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:
You may terminate your account at any time by providing written notice to us. You remain liable for all obligations incurred prior to termination.
We may suspend or terminate your account immediately upon notice if:
Upon termination:
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to conflict of law principles.
Any legal action arising out of these Terms shall be brought exclusively in the state or federal courts located in New Jersey. You consent to the personal jurisdiction of such courts.
Before filing any claim, you agree to attempt to resolve disputes informally by contacting us. If informal resolution is unsuccessful, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.
YOU AGREE THAT ANY PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION OR REPRESENTATIVE ACTION.
By using our Services, you consent to receive electronic communications from us. These communications may include notices, agreements, disclosures, and other information. You agree that electronic signatures and records satisfy any legal requirements for written documentation.
If you opt-in to receive SMS messages, you agree to our SMS Terms and Conditions, which are incorporated by reference. Message and data rates may apply.
These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Instant Transaction regarding our Services.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign these Terms without our prior written consent. We may assign these Terms at any time without notice.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control.
Notices to us should be sent to support@instant-transaction.digital or our physical address. Notices to you will be sent to your registered email address.
We may modify these Terms at any time. We will provide notice of material changes through our website or email. Your continued use of our Services after changes constitutes acceptance of the updated Terms.
If you have any questions about these Terms, please contact us:
© 2026 Instant Transaction. All rights reserved.
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.