Terms of Service

Effective date: 29-03-2026

Welcome to mavi pay. These Terms of Service ("Terms") govern your access to and use of the mavi pay platform, including our website at pay.mavifinans.sh, merchant dashboard, checkout services, APIs, and all related services (collectively, the "Services"). These Terms constitute a legally binding agreement between you and mavi Ltd ("we", "us", "our"), a company registered in Cyprus — to be filled, trading as mavi finans. Legal contact: legal@mavifinans.sh.

By creating an account or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Definitions

"Merchant" means any individual or business that uses mavi pay to accept payments, manage products, and receive payouts.

"Customer" means any individual who makes a purchase or payment through a Merchant's mavi pay checkout.

"Account" means the user account you create to access the Services.

"Payment Processor" means Stripe, Inc., which processes all payments on the platform.

2. Eligibility

To use the Services, you must:

Be at least 18 years of age.
Have the legal capacity to enter into a binding agreement.
Not be a resident, citizen, or located in any blocked jurisdiction (Iran, North Korea, Russia, Cuba, Syria, Belarus, Myanmar, Venezuela (government), Sudan, Yemen (Houthi controlled)).
Not be listed on any international sanctions list.
Comply with all applicable laws in your jurisdiction.

3. Account Registration

When creating an Account, you agree to provide accurate and complete information, keep your credentials confidential, and be solely responsible for all activity under your Account. You may only maintain one Account per person or business entity.

You may register using email (magic link), Google, or Apple authentication. You are responsible for the security of any third-party accounts used to access mavi pay.

4. Merchant Services

mavi pay enables Merchants to create products, generate checkout links, accept payments from Customers, and manage their business through the merchant dashboard.

Products: Merchants can create one-time and subscription-based products with custom pricing, benefits, and discount codes.

Checkout: mavi pay provides hosted checkout pages and embeddable checkout widgets for Merchants to accept payments.

Analytics: The dashboard provides revenue metrics, customer data, and sales analytics.

5. Fees and Payments

Transaction fee: 2% per successful transaction, plus Stripe processing fees (typically 2.9% + EUR 0.30 for EU cards). The exact Stripe fees depend on the Customer's payment method and location.

No monthly fee: There is no subscription or platform fee to use mavi pay.

Payouts: Merchant payouts are processed via Stripe Connect. Payout schedules and minimum thresholds are determined by your Stripe Connect account settings. mavi pay does not hold or delay funds beyond what Stripe requires.

Currency: All transactions are processed in EUR unless otherwise configured.

Fee changes: We may modify fees with at least 30 days prior written notice. Continued use after the notice period constitutes acceptance.

6. Payment Processing

All payment processing is handled by Stripe, Inc. By using mavi pay, you agree to Stripe's Connected Account Agreement and Terms of Service. mavi pay is not a payment processor and does not hold Customer funds.

7. Taxes

mavi pay may act as Merchant of Record (MoR) for transactions where applicable, collecting and remitting VAT, GST, and other applicable taxes on behalf of Merchants. Where we act as MoR, we calculate and collect applicable taxes at checkout.

Merchants are responsible for their own income tax obligations. You agree to provide accurate tax information when requested.

For details on how taxes are handled, see our pricing page.

8. Refunds and Disputes

Merchants are responsible for their own refund policies. mavi pay facilitates refunds through Stripe but does not determine refund eligibility.

Chargebacks and payment disputes are handled through Stripe's dispute process. Merchants are responsible for responding to disputes. mavi pay may debit disputed amounts from your account pending resolution.

9. Prohibited Activities

You may not use the Services to:

Sell illegal goods or services in your jurisdiction or the Customer's jurisdiction.
Process payments for goods or services that violate Stripe's Restricted Businesses list.
Engage in fraud, money laundering, or terrorist financing.
Violate any applicable law or regulation.
Attempt to circumvent fees, limits, or security measures.
Scrape, crawl, or extract data from the Services without authorisation.
Interfere with the proper operation of the Services.

Violation may result in immediate account suspension or termination.

10. Intellectual Property

All intellectual property rights in the Services are owned by mavi finans or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Services in accordance with these Terms.

Merchants retain ownership of their product content, descriptions, and media uploaded to the platform.

11. Data and Privacy

Your use of the Services is subject to our Privacy Policy. We process personal data in accordance with the GDPR and applicable Belgian and European data protection laws.

12. Limitation of Liability

The Services are provided "as is" without warranties of any kind. To the maximum extent permitted by applicable law:

mavi finans shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
Our total aggregate liability shall not exceed the fees paid by you in the 12 months preceding the claim.
We are not liable for any actions, errors, or omissions of Stripe or other third-party providers.

These limitations apply to the fullest extent permitted under Belgian and European law. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

13. Indemnification

You agree to indemnify and hold harmless mavi finans from any claims, liabilities, damages, and expenses arising from your use of the Services, your violation of these Terms, or your violation of any applicable law or third-party rights.

14. Termination

By you: You may close your Account at any time through your account settings or by contacting us via mavifinans.sh/contact.

By us: We may suspend or terminate your Account if you violate these Terms, if required by law, or if we detect suspicious or fraudulent activity.

Upon termination, pending payouts will be processed according to Stripe's policies. You must withdraw any remaining funds within 30 days.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Belgium, without regard to conflict of law principles. The courts of Flanders, Belgium shall have exclusive jurisdiction over any dispute arising from these Terms.

Before initiating formal proceedings, you agree to attempt informal resolution by contacting us. We will make reasonable efforts to resolve disputes within 30 days.

Nothing in this section prevents you from filing a complaint with the relevant consumer protection authority in your country of residence under applicable EU law.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated with at least 30 days notice via email or a prominent notice on the platform. Continued use after the notice period constitutes acceptance. The effective date at the top of this page reflects the most recent update.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

18. Contact

For questions about these Terms, contact us via mavifinans.sh/contact.