Terms and Conditions

1. Acceptance of Terms

By accessing and using Orbtronics Ltd's payment aggregation platform ("Opay"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you may not use our services.

These terms constitute a legally binding agreement between you ("Client" or "Merchant") and Orbtronics Ltd ("Company", "we", "us", or "our").

2. Service Description

Orbtronics Ltd provides payment aggregation services through Stripe Connect, enabling merchants to accept online payments. Our services include:

• Payment processing through Stripe Connect
• API access for payment integration
• Transaction management and reporting
• Refund processing capabilities
• Balance and payout management
• Webhook notifications for transaction events

3. Subscription and Fees

Subscription Fee: Our service requires a subscription of $150 USD every 4 weeks. New accounts receive a 4 week free trial, after which billing occurs every 4 weeks.

Transaction Fees: We charge a total fee of 5.5% per transaction, which includes:

• Stripe processing fees (approximately 2.9% + $0.30)
• Orbtronics platform fee (remainder of the 5.5%)

All fees are automatically deducted from transaction amounts before settlement to your connected Stripe account.

4. Account Requirements

To use our services, you must:

• Complete Stripe Connect onboarding and verification
• Maintain an active subscription
• Provide accurate business and contact information
• Comply with Stripe's Terms of Service and applicable laws
• Use our API responsibly and within rate limits

5. Prohibited Activities

You may not use our services for:

• Illegal activities or prohibited businesses under Stripe's policies
• Processing fraudulent or unauthorized transactions
• Money laundering or terrorist financing
• Circumventing our fee structure
• Reverse engineering or attempting to access our systems unauthorized

6. Data and Privacy

We process payment data in accordance with PCI DSS standards and applicable data protection laws. Transaction data is handled by Stripe according to their privacy policy.

We collect and store minimal business information necessary to provide our services and maintain transaction records as required by law.

7. Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted service. Scheduled maintenance will be communicated in advance. We are not liable for service interruptions beyond our reasonable control.

8. Limitation of Liability

Our liability is limited to the fees paid by you in the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages. Payment processing is subject to Stripe's terms and limitations.

9. Termination

Either party may terminate this agreement with 30 days' notice. We may suspend services immediately for violations of these terms. Upon termination, you remain liable for all outstanding fees and must cease using our API.

10. Contact Information

For questions about these terms or our services, contact us at: