Terms of Service

Please read these Terms of Service carefully before using the services offered by Fly Payments ("we", "us", or "our"). By accessing or using our services, you agree to be bound by these Terms.

1. Services

Fly Payments provides payment infrastructure and integration services for eCommerce businesses in the United Kingdom. We specialise in serving merchants in categories that may be restricted or high-friction for mainstream payment processors.

Our services include:

• Payment processing infrastructure
• Open Banking integration
• Payment link generation
• Platform-neutral storefront development (where applicable)
• Compliance and risk guidance

2. Eligibility

To use our services, you must:

• Be a legally registered business in the UK or eligible to operate in the UK
• Sell only legal products that comply with UK regulations
• Pass our eligibility and risk assessment
• Be at least 18 years old

We reserve the right to refuse service to any business that does not meet our eligibility criteria or violates our compliance standards.

3. Legal Products Only

We strictly work with legal products only. We do not support:

• Illegal products or substances
• Controlled substances without proper licensing
• Counterfeit goods
• Fraudulent or deceptive business practices
• Weapons or ammunition
• Explicit adult content

4. No Guarantee of Approval

Submitting an application does not guarantee approval. Each application is reviewed individually based on:

• Business category and risk profile
• Compliance with regulations
• Processing history (if applicable)
• Other risk factors

We provide honest assessments and will decline applications where we cannot provide suitable service.

5. Fees and Payments

Fees for our services are discussed and agreed upon during the onboarding process. All fees are quoted in GBP (British Pounds).

6. Compliance Responsibilities

As a merchant using our services, you are responsible for:

• Ensuring all products comply with UK law
• Maintaining accurate business records
• Providing clear refund and return policies
• Implementing age verification where required
• Cooperating with compliance reviews

7. Termination

We may suspend or terminate services if:

• You violate these Terms
• You sell illegal or non-compliant products
• Your chargeback rate exceeds acceptable thresholds
• You engage in fraudulent activity

8. Limitation of Liability

Fly Payments provides infrastructure services. We are not responsible for:

• Your business decisions or operations
• Product quality or customer satisfaction
• Losses due to market conditions
• Third-party service interruptions

9. Confidentiality

We do not disclose specific payment partners or infrastructure details publicly. This protects both our partners and your business.

10. Changes to Terms

We may update these Terms from time to time. Continued use of our services after changes constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

For questions about these Terms, contact us at: hello@flypayments.co.uk