In plain English: these Terms apply to everyone who uses the Veyra websites, dashboards, APIs, or other services. Merchants accept additional terms in the Merchant Services Agreement and the other documents linked below. The same maximal-protection drafting applies: you accept the terms by using the services, you accept all updates by continuing to use the services, and the arbitration / class-waiver / governing-law clauses below are binding.
These Terms of Service (the “TERMS”) govern your access to and use of the websites, applications, dashboards, APIs, embeds, and services provided by Josh Petro LLC (“Veyra,” “we,” or “us”). By accessing or using any of the foregoing, you agree to these Terms. If you do not agree, you may not access or use the services.
1. ELIGIBILITY AND ACCOUNTS
1.1. Our services are intended for businesses and the individuals authorized to act on their behalf. To create or operate a merchant account, you must be at least 18 years old, have the legal authority to bind your business, and provide accurate, complete information during onboarding. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.
1.2. You will use multi-factor authentication where Veyra requires it and will not share credentials, API keys, signing material, or webhook secrets outside the personnel you have authorized in writing.
2. UNDERWRITING AND ACCEPTANCE
We accept merchants at our sole discretion and subject to underwriting, sanctions and adverse-media screening, card-network restrictions, applicable law, and any partner-bank or acquirer requirement. Acceptance is not guaranteed. Prior conversations, sales proposals, or estimated rates are not binding offers, and we may decline, suspend, or terminate any merchant relationship at any time consistent with these Terms, the Merchant Services Agreement, and applicable law.
3. THE PLATFORM AND PROCESSING PARTNERS
Our payments services are provided in connection with one or more licensed acquiring partners and third-party processors. Card processing is performed by those partners; Veyra acts as a payment-facilitator-style platform that provides onboarding, risk monitoring, settlement coordination, and merchant tooling. Your use of card processing is also governed by the agreements you accept in onboarding (including the Merchant Services Agreement) and any partner-specific click-through. In the event of any conflict, the Merchant Services Agreement controls with respect to merchant processing, subject only to partner-bank flow-down clauses that you separately accept.
4. FEES
Fees applicable to your account — including processing rates, platform fees, and reserve or hold-back terms — are set forth in an order form, schedule, or other written agreement between you and Veyra, and in the Payment Processing Terms. Fees may be amended on notice consistent with that agreement and these Terms.
5. ACCEPTABLE USE
Your use of the services is subject to our Acceptable Use Policy. You may not use the services in connection with any business or activity prohibited by that policy, by card-network operating rules, or by applicable law. We may suspend or terminate access for violations, without notice and without cure period.
6. COMPLIANCE OBLIGATIONS
You agree to comply with all applicable laws, including anti-money-laundering, Bank Secrecy Act, OFAC sanctions, export-control, consumer-protection, telemarketing, TCPA, e-commerce, recurring-billing, tax, and data-protection laws, as well as the operating rules of the card networks. You will provide such information and documentation as we reasonably request to satisfy our compliance obligations and those of our acquiring partners.
7. CHARGEBACKS, REFUNDS, RESERVES, AND FEES
You are responsible for all chargebacks, refunds, fines, fees, and assessments associated with transactions processed through your account, including under Visa VDMP / VFMP / VAMP, Mastercard ECM / BAU, and equivalent programs. We may impose reserves, delay payouts, or hold funds where warranted by risk or compliance considerations consistent with your written agreement and the Risk Policy. Refunds incur a refund-processing fee per the Merchant Services Agreement §8.5 and the Refund & Dispute Policy; chargebacks incur a $50.00 default fee plus pass-through retrieval and arbitration costs per the Merchant Services Agreement §8.3.
8. SERVICE AVAILABILITY
We strive for high availability but do not guarantee uninterrupted operation. Scheduled maintenance, infrastructure events, third-party outages, partner-bank outages, network outages, force-majeure conditions, and security responses may cause downtime. Our liability for downtime is limited as described in §12 and in the Merchant Services Agreement §12.
9. INTELLECTUAL PROPERTY
We retain all right, title, and interest in and to the platform, including software, designs, documentation, trademarks, service marks, trade dress, and any improvements. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the platform during the term of your relationship with us, solely as needed to use the services. You will not modify, reverse engineer, decompile, frame, scrape, or create derivative works of any part of the platform.
10. CONFIDENTIALITY
Each party will protect the other's confidential information using a reasonable standard of care and use it only for purposes of the relationship described in these Terms and any applicable agreement. Veyra's pricing, risk methodology, suspension rationale, dispute statistics, and operational communications are confidential.
11. DISCLAIMERS
Except as expressly set forth in a written agreement, the services are provided “AS IS” and “AS AVAILABLE.” To the fullest extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non-infringement, title, and accuracy.
12. LIMITATION OF LIABILITY
12.1. WAIVER OF INDIRECT DAMAGES BY YOU. To the fullest extent permitted by law, YOU waive any right to recover any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost goodwill, business interruption, cost of substitute services, or opportunity-cost damages, regardless of legal theory and even if we have been advised of the possibility of such damages.
12.2. CAP — ASYMMETRIC. Our aggregate liability to you under these Terms (including under tort, contract, or any other theory) will not exceed the GREATER of (a) one hundred U.S. dollars ($100.00) or (b) the platform fees actually paid by you to Veyra in the three (3) months immediately preceding the event giving rise to the claim. Your liability to Veyra is uncapped.
13. INDEMNIFICATION
You agree to indemnify and hold Veyra, our acquiring partners, our processors, our sponsor banks, our affiliates, and our and their officers, directors, members, employees, contractors, and agents harmless from any claim arising out of your breach of these Terms, your violation of law or third-party rights, your processing activity, your goods, your services, your marketing, or your content. The indemnity provisions of the Merchant Services Agreement §11 apply to any merchant indemnity.
14. TERMINATION
We may suspend or terminate access to the services at any time for breach, risk, compliance, or operational reasons, with the minimum notice consistent with applicable law. Provisions that by their nature should survive termination — including fees owed, indemnification, confidentiality, disclaimers, limitations of liability, intellectual-property rights, dispute resolution, and any right reserved to Veyra — survive.
15. GOVERNING LAW; DISPUTE RESOLUTION; CLASS WAIVER
15.1. GOVERNING LAW. These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles.
15.2. MANDATORY BINDING INDIVIDUAL ARBITRATION. Every dispute, claim, or controversy arising out of or relating to these Terms or your use of the services will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules then in effect, before a single arbitrator, in Wilmington, Delaware (or, at our option, by videoconference). The thirty (30)-day informal-resolution prerequisite in the Merchant Services Agreement §20.1 applies.
15.3. CLASS-ACTION WAIVER; JURY WAIVER. EACH PARTY WAIVES THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, PRIVATE-ATTORNEY-GENERAL ACTION, OR CONSOLIDATED ARBITRATION. EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL.
15.4. VENUE FOR CARVE-OUT MATTERS. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property rights, enforce confidentiality, prevent unauthorized access to the platform, or enforce post-termination obligations. The exclusive venue for such relief is the state and federal courts located in Wilmington, Delaware, and each party irrevocably consents to the personal jurisdiction of those courts.
15.5. LOSER PAYS.The prevailing party in any arbitration or litigation is entitled to its reasonable attorneys' fees, expert fees, arbitrator fees, filing fees, and litigation costs.
15.6. STATUTE OF LIMITATIONS. Any claim by you under these Terms must be filed within one (1) year of the event giving rise to the claim or be forever barred.
16. CHANGES
We may update these Terms from time to time. Material changes will be communicated through our platform or by email to active customers. Continued use after changes take effect constitutes acceptance. Where Veyra is required by an acquirer, partner bank, card network, regulator, or applicable law to update on shorter notice (or immediately), the shorter notice period applies.
17. MISCELLANEOUS
17.1. SEVERABILITY. If any provision is held unenforceable, that provision is severed and the remainder remains in full force and effect.
17.2. NO THIRD-PARTY BENEFICIARIES. Except as expressly provided, these Terms create no rights in any third party.
17.3. ASSIGNMENT — ASYMMETRIC. You may not assign these Terms without our prior written consent (which may be withheld in our sole discretion). We may assign these Terms freely, including in connection with a corporate transaction, financing, or sale of assets.
17.4. ELECTRONIC SIGNATURE. Electronic acceptance has the same legal effect as a handwritten signature.
17.5. ENTIRE AGREEMENT. These Terms, together with the documents they incorporate, are the entire agreement between the parties with respect to their subject matter.
17.6. NO WAIVER. Failure to enforce any right is not a waiver.
18. CONTACT
Josh Petro LLC
risk@veyragate.com
Version 2026.05.23. Effective 2026-05-23.