Terms of Service

These Terms of Service ("Terms") are an agreement between you and ZincirX Inc., a Delaware corporation, c/o Legalinc Corporate Services Inc., 131 Continental Drive, Suite 305, Newark, DE 19713, USA ("EpPay", "we", "us"), which operates EpPay. They apply to the eppay.io website and merchant dashboard, the EpPay API, the EpPay wallet app and the "EpPay - Crypto Order Sync" app for Shopify (together, the "Service").

By creating an account, creating an API key, installing one of our apps or otherwise using the Service, you accept these Terms. If you accept them for a business, you confirm that you are authorised to bind that business, and "you" means the business. Our Privacy Policy explains how we handle personal data.

1. What EpPay does

EpPay is software for accepting stablecoin payments. With it you can create payment requests ("invoices") for USDT and, where we support it, USDC on the blockchain networks listed in our documentation; show them to buyers as a QR code, a payment page or through your own integration; and check on the blockchain whether a matching transfer has reached your wallet. We then mark the invoice as paid and, if you set one up, notify your server.

• We do not hold your money. A buyer pays from their own wallet directly to the wallet address you give us. EpPay never receives, holds or controls the funds you are paid, has no access to your wallet and cannot move, return or recover funds in it. The token issuers (for example Tether for USDT and Circle for USDC) can freeze tokens at the token level; that is outside our control.
• We are not a bank or a payment institution. EpPay does not hold a licence as a bank, payment institution, electronic money institution or crypto-asset service provider, and the Service is not offered as any of those services. We do not exchange crypto-assets for money or other crypto-assets, and we do not offer accounts, deposits, credit, interest or any investment product.
• Shopify app. "EpPay - Crypto Order Sync" lets a Shopify merchant create EpPay invoices for orders and marks the matching Shopify order as paid once the payment is confirmed on the blockchain. It is an order-management tool, not a payment method in Shopify's checkout. It asks Shopify only for permission to read and write orders. If you use it, Shopify's own terms also apply to you, and uninstalling it deletes your store's data from EpPay (see the Privacy Policy).
• EpPay wallet app. The app is a self-custody wallet: your recovery phrase and private keys are created on your phone and stored there in encrypted form, and they are not sent to us. Anyone who has them controls your wallet, and if you lose them we cannot restore it. We will never ask you for your recovery phrase or private key.

2. Who may use the Service

• You must be at least 18 years old and able to enter into a binding contract.
• The merchant features (invoices, API keys, products, the dashboard and the Shopify app) are for business use. When you use them you act for your trade, business or profession, not as a consumer.
• You must not use the Service if you, or anyone who owns or controls your business, are the target of sanctions (for example those of the United Nations, the European Union, the United Kingdom or the United States), or if you are located in a country or region subject to comprehensive sanctions.
• Türkiye. You must not use the merchant features if you or your business are established or resident in Türkiye, or to accept payment for goods or services from buyers in Türkiye, because Turkish law prohibits the use of crypto-assets in payments (Regulation on the Disuse of Crypto Assets in Payments of the Central Bank of the Republic of Türkiye, 16 April 2021).
• The information you give us, including your e-mail address and wallet addresses, must be accurate and kept up to date.

3. Your responsibilities as a merchant

• Lawful business. You may only accept payments through EpPay for lawful goods and services that you are entitled to sell, and you must describe them honestly.
• Your legal obligations. You alone are responsible for complying with the laws that apply to you and to your sales, including consumer protection, tax and VAT, invoicing and bookkeeping, anti-money-laundering and customer identification (KYC), sanctions and any rules on accepting or holding crypto-assets in your country and in your buyers' countries. EpPay does not identify your buyers, screen them or their wallets against sanctions lists, or file reports or tax returns for you.
• Your wallet. You are responsible for making sure that every receiving address you set is correct, belongs to the network of the invoice and is under your control. Payments sent to a wrong address cannot be recovered by us.
• Your buyers. Your relationship with your buyers is yours: delivery, returns, refunds, complaints, warranties and your own terms and privacy notice. If your payment page asks buyers for their name, e-mail address, phone number or delivery address, you must have a lawful reason to collect them and tell your buyers about it.
• API keys and callbacks. Keep your API keys secret. Everything done with your key is treated as done by you. If a key may have been exposed, rotate it in your dashboard straight away. Payment notifications we send to your server are signed with your API key; check the signature before you rely on them.
• Check before you deliver. The status EpPay shows is based on the blockchain data available to us. For high-value orders, check that the funds have arrived in your wallet before you hand over goods or services.

4. What you must not do

You must not use the Service, or let anyone else use it:

• for anything illegal, including fraud, scams, money laundering, terrorist financing or evading sanctions;
• to sell illegal drugs, weapons, counterfeit or stolen goods, or content that is illegal where it is offered or that exploits minors;
• to offer gambling, lending, investment, exchange, money transmission or other financial services without the licences they require, or to sell tokens or other investments;
• to mislead buyers about who you are or what they are paying for;
• to interfere with the Service or other users: for example to create invoices that match transfers you did not receive, to avoid the platform fee, to probe for or exploit weaknesses, to overload our systems, or to access accounts, keys or data that are not yours;
• to copy, resell or sublicense the Service, or to reverse-engineer it except where the law allows this despite these Terms.

5. Fees

• Platform fee. Each invoice carries the platform fee set on the API key it is created with. Unless we have agreed otherwise in writing, the fee on keys issued since 1 September 2026, and on invoices created without a key, is 0.5% (50 basis points) of the invoice amount. Keys issued earlier may carry no fee. The fee that applies to an invoice is returned with it by the API (platform_fee_bps).
• How it is paid. The fee is paid on the blockchain at the time of payment, in the same token: you receive the invoice amount less the fee, and the fee is sent as a separate transfer to EpPay's fee address. For example, on a 25 USDT invoice with a 0.5% fee you receive 24.875 USDT and EpPay receives 0.125 USDT.
• Referrals. If an invoice names a referral partner, the partner receives a share of EpPay's fee (25% by default). It comes out of EpPay's fee, not out of your amount.
• EpPay wallet app. When you send a transfer or a payment from the EpPay app, the app adds a commission: at present 0.001 of the network's native coin on EVM networks, 5 TRX on Tron, about 0.0001 BTC on Bitcoin and 0.01 SOL on Solana. If you were referred, part of it goes to the person who referred you.
• Network fees. Every blockchain transaction costs a network ("gas") fee, paid by whoever sends it, usually the buyer. We do not set or receive network fees.
• Taxes. Our fees do not include any taxes. You are responsible for the taxes on your own sales and income.
• Changes to fees. We may change our fees, including the fee on an existing API key. We will tell you by e-mail at least 30 days before a change applies to your keys. If you do not agree, you may stop using the key before the change takes effect. A change to the app's commission applies to transfers sent after the change.

6. Blockchain payments are final

• A blockchain transfer cannot be cancelled, reversed or charged back, by us or by anyone else. There are no chargebacks.
• We treat an invoice as paid when we see a transfer of the right token and amount to your address on the invoice's network, made after the invoice was created and with the number of block confirmations we require. Transfers on another network, in another token, for less than the invoice amount, for clearly more than it, or to another address may not be recognised, and we cannot recover them.
• An unpaid invoice is shown as expired after 24 hours, but it can still be paid and confirmed later.
• Refunds are between you and your buyer. If you want to refund a payment, you send the refund from your own wallet. Fees already paid on the blockchain are not refunded when you refund a buyer.

7. Your account and security

• On the website you sign in with a single-use link that we e-mail to you, the EpPay app's QR code, Google, Apple or Facebook. Anyone with access to your e-mail inbox can sign in to your account, so keep that inbox secure. We may ask for a stronger sign-in, such as a two-factor code, for sensitive actions.
• Tell us at once at info@eppay.io if you think someone has used your account or your API key without permission.
• We may limit, suspend or block an account, an API key or a linked device if we reasonably believe this is needed to protect you, buyers, other users or the Service, or to comply with the law. Where we can, we will tell you why.

8. Availability and changes to the Service

• The Service relies on systems that we do not control, including public blockchains, the nodes we read them through, token issuers, Shopify and e-mail providers. We do not promise that the Service will always be available, uninterrupted, error-free or fast, and we offer no service level.
• We may change, add or remove features. If we remove a feature you depend on, we will try to tell you in advance.
• Features marked as beta or test may change or stop without notice.

9. Third-party services

Wallets, blockchains, tokens, Shopify, sign-in providers and the third-party providers you can open from the EpPay app to buy crypto-assets are not run by us. Their own terms apply when you use them, and we are not responsible for them.

10. Intellectual property

• The Service, its software, documentation and the EpPay name and logo belong to us or our licensors. While you comply with these Terms, we give you a limited, non-exclusive, non-transferable and revocable right to use the Service for your business.
• You keep the rights to the content you add, such as product names, descriptions and images. You allow us to store, display and process it as needed to provide the Service.
• If you send us ideas or feedback, we may use them without any obligation to you.
• Open-source components of the Service are licensed under their own licences.

11. Disclaimers

• To the extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement.
• Crypto-assets carry risks, including loss of keys, mistaken transfers, network failures, forks, attacks on blockchains or smart contracts, and stablecoins losing their peg or being frozen by their issuer. You accept these risks.
• Nothing in the Service is legal, tax, accounting or investment advice.

12. Limitation of liability

• To the extent the law allows, we are not liable for indirect or consequential loss, or for loss of profits, revenue, business, goodwill or data, or for the value of any crypto-assets, however the loss arises.
• To the extent the law allows, our total liability to you for all claims relating to the Service in any 12-month period is limited to the greater of USD 100 and the platform fees you paid us in that period.
• Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud, for wilful misconduct or for death or personal injury caused by negligence.

13. Your responsibility for claims

You will compensate us for losses, including reasonable legal costs, that arise from claims by third parties or authorities about your goods or services, your dealings with your buyers, your breach of these Terms or your breach of the law.

14. Ending the agreement

• You may stop using the Service at any time. You can delete your account in your profile settings on the website, with "Delete Account" in the EpPay app (versions released after 4 November 2026; earlier versions only remove the wallet from the phone), or by writing to info@eppay.io; uninstalling the Shopify app ends its use for your store.
• We may end these Terms or suspend the Service for you if you break them, if your use creates a legal, security or reputational risk for us, buyers or other users, or if the law requires it. We may also stop offering the Service with reasonable notice.
• Ending the agreement does not undo payments already made on a blockchain, and it does not affect fees already due. Sections 5, 6 and 10 to 17 continue to apply.

15. Changes to these Terms

We may update these Terms. We will publish the new version on this page with a new "Last updated" date. If a change is material, we will tell you by e-mail or in your dashboard at least 30 days before it applies, unless it is required sooner by law or to deal with abuse or security. If you keep using the Service after a change applies, you accept the updated Terms; if you do not agree, you may stop using the Service and close your account.

16. Governing law and courts

These Terms, and every contract made under them, are governed by the law of the State of Delaware, United States, without regard to its rules on conflict of laws. The state and federal courts sitting in Delaware have exclusive jurisdiction over any dispute arising from or in connection with these Terms. This choice does not take away any protection that a law gives you whatever law the parties choose, including mandatory consumer and merchant protections of the law of your country, and it does not prevent you from complaining to a competent authority. If a problem arises, please tell us first, so that we can try to resolve it; that is not a condition of going to court.

17. General

• These Terms, together with any written agreement we sign with you about fees or other matters, are the whole agreement between you and us about the Service.
• You may not transfer your rights under these Terms without our consent. We may transfer them to a company that takes over the Service.
• If a provision is found invalid, the rest remains in force. If we do not enforce a provision straight away, we can still enforce it later.
• These Terms are written in English and Turkish. If the versions differ, the English version applies.

18. Contact

E-mail: info@eppay.io
Post: ZincirX Inc., c/o Legalinc Corporate Services Inc., 131 Continental Drive, Suite 305, Newark, DE 19713, USA