Terms of Service

These Terms of Service ("Terms") govern access to and use of the Payesto website at payes.to, APIs, SDKs, dashboards and related services (the "Services"). The Services are provided by Immersive Studio OÜ, a private limited company registered in Estonia under registry code 16632179, with its registered address at Harju maakond, Tallinn, Kesklinna linnaosa, Valge tn 13, 11415, Estonia ("Payesto", "we", "us").

By accessing the Services or signing a merchant agreement, you confirm that you are authorised to act on behalf of your business and agree to these Terms. If you do not agree, do not use the Services.

The Services are intended for businesses only. Access is subject to successful completion of our Know Your Business (KYB), Know Your Customer (KYC) and anti-money-laundering (AML) checks, and to the approval of our acquiring and banking partners.

You must hold all licences required in each jurisdiction where you operate, including gaming, brokerage or virtual-asset licences where applicable.

Payesto provides payment orchestration, routing, cashier, payout and fraud-prevention technology. Where funds are processed, settlement is performed by licensed third-party acquirers, payment institutions or banks. Specific commercial terms, fees and reserves are set out in your merchant agreement, which prevails over these Terms in case of conflict.

You may not use the Services for unlawful activities, to process transactions for unlicensed operators, sanctioned persons or jurisdictions, or any business type prohibited by card scheme rules or our partners. We may suspend Services immediately where we reasonably suspect fraud, money laundering or a breach of these Terms.

Fees are set out in your merchant agreement. We or our partners may hold rolling reserves and you remain responsible for refunds, chargebacks, fines and scheme assessments arising from your transactions.

You are responsible for keeping credentials confidential and for all activity under your account. You must comply with PCI-DSS requirements applicable to your integration.

All rights in the Services, the Payesto name and logo belong to Immersive Studio OÜ. We grant you a limited, non-exclusive, non-transferable licence to use the Services during the term of your agreement.

To the maximum extent permitted by law, we are not liable for indirect or consequential losses, lost profits or data, and our aggregate liability is limited to the fees paid by you in the three months preceding the claim.

Either party may terminate in accordance with the merchant agreement. We may terminate or suspend immediately where required by law, card scheme rules or our partners.

These Terms are governed by the laws of the Republic of Estonia. Disputes are subject to the exclusive jurisdiction of Harju County Court (Harju Maakohus), Tallinn.

Questions about these Terms: support@payes.to, or by post to Immersive Studio OÜ, Harju maakond, Tallinn, Kesklinna linnaosa, Valge tn 13, 11415, Estonia.