Terms of Service & Privacy Policy

Terms of Service

By creating an account, generating API keys, using Terminal QRIS, Payment Links, or integrating WistaPay into your systems, you agree to these Terms.

1. Accounts & eligibility

You must provide accurate registration information and keep credentials secure. You are responsible for all activity under your account and API keys. We may suspend or restrict accounts that present risk, abuse, or legal concerns.

2. Services

WistaPay provides payment facilitation tools, including but not limited to merchant dashboards, QRIS terminal payments, shareable payment links, and API integration. Payment rails may rely on third-party processors and banking partners. Availability of a channel does not guarantee uninterrupted uptime or acceptance of every transaction.

• Settlements and status updates depend on processor confirmation (including webhooks).
• Unpaid or expired invoices do not create a claim to funds.
• Merchant balance is credited only after a payment is confirmed as successful.

3. Fees, balance & withdrawals

Applicable fees (including fixed and percentage components, if any) are disclosed in the product interface or commercial agreement. Withdrawals may require verification and are subject to review timelines, bank or crypto network delays, and platform rules.

4. Prohibited use

You may not use WistaPay to:

• Process illegal goods or services, fraud, or money laundering.
• Abuse rate limits, spam payment creation, or attempt to bypass security controls.
• Misrepresent the nature of a transaction to payers or partners.
• Reverse-engineer, disrupt, or attack platform infrastructure.

We may automatically or manually limit transaction creation (including temporary transaction blocks) when abuse patterns are detected, until cleared by operations.

5. Disclaimers & liability

Services are provided on an “as available” basis. To the fullest extent permitted by applicable law, WistaPay is not liable for indirect, incidental, or consequential damages, lost profits, or losses arising from processor outages, incorrect integration, or force majeure events. Nothing in these Terms excludes liability that cannot be limited under mandatory law.

6. Changes

We may update these Terms. Material changes will be reflected by updating the effective date on this page. Continued use after changes constitutes acceptance of the revised Terms.

7. Contact

For questions about these Terms, contact the WistaPay support channel published on the official website or your account dashboard.

Privacy Policy

This Privacy Policy describes how WistaPay handles personal and transactional data when you use our websites, dashboards, and payment APIs.

1. Data we collect

• Account data — name, email, phone (if provided), password hashes, API keys.
• Transaction data — amounts, references, payment status, timestamps, fee metadata.
• Technical data — IP address, device/browser type, logs needed for security and debugging.
• Support data — messages you send to support or operations.

Payment instrument details processed by partner gateways are handled under those partners’ controls; WistaPay stores status and identifiers required to operate the service.

2. How we use data

• To provide authentication, payments, settlements, and account features.
• To detect fraud, spam, and unauthorized access.
• To comply with legal obligations and respond to lawful requests.
• To improve reliability, documentation, and customer support.

3. Sharing

We may share data with:

• Payment processors and banking or network partners required to complete a payment.
• Infrastructure providers (hosting, email OTP, monitoring) under confidentiality obligations.
• Authorities when required by applicable law.

We do not sell personal data.

4. Security & retention

We apply administrative and technical measures appropriate to the nature of payment services, including access controls and encrypted transport where applicable. Data is retained as long as needed for the account lifecycle, dispute handling, audit, and legal requirements.

5. Your choices

Subject to applicable law, you may request access to or correction of account information, or ask about deletion where retention is no longer required. Some records must be kept for compliance even after account closure.

6. International processing

Data may be processed on servers or by vendors located outside your country of residence. By using WistaPay, you understand that such transfers may occur as needed to operate the service.

7. Contact

Privacy requests can be submitted through official WistaPay support channels. Please include the email registered on your account so we can verify the request.

8. Support center

Contact the email below if there are any problems or anything. Email: support@wistapay.shop