Digital Money Innovations AG · Baarerstrasse 43 · CH-6300 Zug · Switzerland
The rules of our engagement.
01 // ELIGIBILITY
The Fynful platform is offered to business customers that are duly organised, in good standing, and able to lawfully contract for regulated payment services in their jurisdiction. The service is not available to UK residents and is not offered to private individuals.
By accepting these terms, the signatory represents that they are authorised to bind their organisation and that all onboarding information provided is accurate and current.
02 // ACCOUNTS & KEYS
Each customer receives one or more accounts and API key sets scoped to the agreed processing environment. Customers are solely responsible for the secure storage of credentials, the actions of authorised users, and the rotation of keys upon personnel change or suspected compromise.
Fynful may revoke or rotate credentials where required to maintain the integrity of the platform or to comply with applicable law.
03 // ACCEPTABLE USE
Customers must not use the platform to process transactions that are unlawful, that violate card scheme or banking partner rules, or that fall within the prohibited business categories communicated during onboarding. Reverse engineering, scraping, and benchmarking without written consent are prohibited.
Fynful operates active monitoring for fraud, sanctions, and policy abuse. Suspicious activity may be paused for review and, where warranted, escalated to competent authorities.
04 // FEES
Fees are set out in the commercial schedule attached to the master services agreement. Fees may include interchange pass-through components, scheme fees, processing fees, FX spreads, and chargeback handling costs. The applicable schedule prevails over any pricing summary published on the website.
Invoices are issued monthly in arrears in the currency of the contract. Disputed line items must be raised in writing within 30 days of invoice date.
05 // PAYMENTS & SETTLEMENT
Settlement of processed funds occurs in accordance with the settlement cycle and currency stated in the commercial schedule. Fynful may withhold settlement to the extent necessary to cover refunds, chargebacks, fines, or amounts owed under the master agreement.
Reserve requirements, if any, are notified in writing and reviewed periodically based on processing history, dispute ratios, and risk posture.
06 // LIABILITY
The platform is provided on an as-is basis. Fynful disclaims implied warranties to the maximum extent permitted by law and is not liable for indirect, incidental, consequential, or punitive damages, or for loss of profits, revenue, data, or business opportunity.
Aggregate liability under the agreement is capped at the fees paid by the customer in the 12 months preceding the event giving rise to the claim, save for liability that cannot be limited under Swiss law.
07 // TERMINATION
Either party may terminate the agreement on the notice period set out in the commercial schedule. Fynful may suspend or terminate with immediate effect for material breach, insolvency, regulatory direction, or unacceptable risk.
Termination does not relieve the customer of obligations accrued prior to termination, including settlement of outstanding fees, chargebacks, and indemnities, which survive termination by their nature.
08 // GOVERNING LAW
These terms are governed by the substantive laws of Switzerland, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods.
The ordinary courts of the Canton of Zug have exclusive jurisdiction over any dispute arising out of or in connection with these terms, subject to any mandatory consumer jurisdiction rules.