Terms of Service

1. Agreement to Terms

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

MutoPay is a self-custody crypto payment gateway that enables merchants to accept cryptocurrency payments and receive stablecoins directly in their wallets.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements in your jurisdiction to use the Service. By using MutoPay, you represent that you meet these requirements.

You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations in your jurisdiction, including any requirements related to cryptocurrency transactions.

3. Account and API Access

To use MutoPay as a merchant, you must create an account via Google Sign-In. You are responsible for maintaining the security of your account credentials, API keys, and webhook secrets.

You must not share your API keys or use them in a way that could compromise the security of your account. If you believe your credentials have been compromised, you must regenerate them immediately via the merchant dashboard.

4. Self-Custody Model

MutoPay operates on a self-custody model. Funds are routed directly from the customer's wallet to the merchant's specified wallet address. MutoPay does not hold, custody, or control any funds at any point during the payment process.

You are solely responsible for providing a correct and valid wallet address. MutoPay is not liable for funds sent to an incorrect address.

5. Fees

MutoPay charges a transaction fee of 0.25% per completed payment. This fee is deducted during the token swap or bridge process. There are no monthly fees, setup costs, or minimum volume requirements.

Network gas fees are paid by the customer as part of their blockchain transaction and are not charged by MutoPay.

Fee rates are subject to change. Any changes will be communicated in advance via the changelog and merchant dashboard.

6. Third-Party Services

MutoPay integrates with third-party services to provide token swaps, cross-chain bridges, and wallet connectivity. These include but are not limited to:

• Li.Fi — for cross-chain swaps and bridge routing
• ParaSwap — for same-chain token swaps
• WalletConnect (Reown) — for wallet connectivity

Your use of these services is subject to their respective terms. MutoPay is not responsible for the availability, accuracy, or performance of third-party services.

7. Payment Processing

Payments created through MutoPay have configurable expiry periods (default: 60 minutes). Expired payments cannot be completed. MutoPay monitors payment status via on-chain verification and protocol status checks.

While MutoPay makes best efforts to ensure timely and accurate payment processing, blockchain transactions are inherently subject to network congestion, reorganizations, and other factors outside our control.

8. Prohibited Uses

You may not use MutoPay for:

• Any illegal activity or to facilitate illegal transactions
• Money laundering, terrorist financing, or sanctions evasion
• Fraud, scams, or deceptive business practices
• Selling prohibited goods or services under applicable law
• Attempting to exploit, attack, or reverse-engineer the Service
• Abusing API rate limits or creating excessive load on the Service

MutoPay reserves the right to suspend or terminate accounts that violate these terms.

9. Webhooks and Data

MutoPay delivers webhook notifications for payment events (completed, failed, expired). Webhooks are signed with HMAC-SHA256 for verification. Failed deliveries are retried up to 5 times with exponential backoff.

Merchants are responsible for implementing proper webhook verification and handling on their end.

10. Limitation of Liability

MutoPay is provided "as is" without warranties of any kind, express or implied. To the maximum extent permitted by law, MutoPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of funds, profits, or data.

MutoPay's total liability for any claim arising from your use of the Service shall not exceed the total fees paid by you in the 12 months preceding the claim.

11. Modifications

MutoPay may update these Terms at any time. Material changes will be communicated via the merchant dashboard or email. Continued use of the Service after changes constitutes acceptance of the updated Terms.

12. Termination

You may stop using MutoPay at any time. MutoPay may suspend or terminate your access for violation of these Terms or for any reason with reasonable notice. Pending payments at the time of termination will be processed to completion where possible.

13. Contact

For questions about these Terms, contact us at legal@mutopay.com.