Set up your Merchant Account on our platform, giving you access to the Merchant Dashboard to track sales, payments, and amounts due to you.
Act as the Merchant of Record for your Products in the territories we support. This includes selling the Products to Buyers in our own name, receiving payment from Buyers as the seller of record, and remitting the net amount to you after applicable fees, taxes, refunds, and chargebacks. moneymotion is not required to act as Merchant of Record in all territories and may limit the territories in which it offers the Services at its discretion according Clause 4.
Confirm payment to you and facilitate Buyer access, download, or receipt of the Products.
Provide order support related to payments and handle calculation, collection, and remittance of applicable sales and transaction taxes.
You may activate optional additional services at any time through the Merchant Dashboard.
Security Deposit Requirement
As a condition of approving any transfer of business URLs, moneymotion may require you (or the transferee) to provide a security deposit. The amount and form of the deposit will be determined by moneymotion, in its sole discretion, based on the assessed risk level of the transfer, including but not limited to the transferee's business model, jurisdiction, compliance profile, and transaction history.
Risk Assessment
The transfer will be subject to a full risk and compliance review, including Know Your Customer (KYC), Anti-Money Laundering (AML), sanctions screening, and fraud checks.
No Automatic Rights
You have no automatic right to transfer URLs, and any attempted transfer without moneymotion's prior written consent shall be void.
Liability Beyond Deposit
The security deposit is a risk-mitigation measure only and does not limit your or the transferee's liability. If chargebacks, refunds, penalties, fines, or other liabilities exceed the amount of the security deposit, you and/or the transferee remain fully responsible for promptly paying the outstanding balance to moneymotion on demand.
Continuing Liability
Until the transfer is formally approved in writing by moneymotion and all requirements (including the provision of the security deposit) are satisfied, you remain fully liable for all obligations relating to the business URLs and any associated transactions.
any Tax due or incurred;
moneymotion Fee as described in Section 5.
any other charges payable by you pursuant to this Agreement.
Before listing Products on the platform, you must provide complete and accurate details of your store, including your store name, business description, contact information, and applicable website or marketplace links; a description of each Product you intend to offer, including pricing, categories, and any applicable restrictions; and select your preferred payment method. If you choose moneymotion as your payment method, the onboarding requirements set out in this section apply.
To use moneymotion as your Merchant of Record, you must first register on the moneymotion Platform, complete email verification, and enable two-factor authentication (2FA) in your account settings.
Before you select moneymotion as Merchant of Record, you must successfully complete our KYC process.
KYC verification is performed through our third-party provider, and includes, without limitation: Passport or government-issued ID checks; Liveness verification; and Device and network analysis.
Certain merchants, including those offering digital goods, are subject to enhanced screening to identify prohibited content or high-risk activities (including but not limited to IPTV streaming, adult services, and carding tools).
All approved merchants are subject to ongoing monitoring, including daily transaction and activity reviews. moneymotion reserves the right to reclassify your risk tier or suspend/terminate services at any time if your activities pose an increased risk or violate these Terms.
Before using moneymotion services, and at any time upon request, you must provide complete, accurate, and up-to-date information about your business, including your legal name, business or trade name, registered address, email, phone number, nature of activities, beneficial ownership, principals, URLs, and any other details we may require for our due diligence, KYC, and risk assessment processes ("Merchant Information"). moneymotion may also request financial statements, proof of operational capability, or other documentation to assess your risk profile.
You must keep your Merchant Information current and notify moneymotion promptly (and no later than three business days) of any changes affecting your ownership, control, business activities, financial condition, or regulatory status. This includes, but is not limited to: Bankruptcy or insolvency events; Adverse changes to your financial condition; Planned liquidation or sale of substantial assets; Regulatory investigations or enforcement actions; Judgments, liens, or levies against significant assets.
You may only use moneymotion services for legitimate transactions with your customers. You are solely responsible for: The legality, quality, and delivery of your products or services; Customer support, refunds, and returns; Clear disclosure of terms, policies, and pricing; Compliance with all applicable laws, payment scheme rules, and moneymotion's Acceptable Use Policy.
You must comply with all applicable laws and must not use the services to engage in or facilitate prohibited or restricted activities as determined by moneymotion, payment networks, or regulators. You agree to provide any requested evidence of compliance, including PCI-DSS certification if applicable.
moneymotion may perform ongoing screening and monitoring of your activities, including enhanced due diligence where required. We may request further documentation at any time to verify information, assess your financial stability, or investigate potential compliance risks.
You are responsible for managing chargeback rates, fraud risk, and disputes. moneymotion may implement additional controls (such as rolling reserves, delayed settlements, or transaction limits) if we determine your risk level is elevated. You must cooperate fully with any investigation, audit, or regulatory inquiry and provide all requested records without delay.
You represent and warrant that:
All Merchant Information provided is accurate and complete.
All transactions submitted are genuine, authorised, and comply with applicable laws.
You will fulfil all obligations to customers and resolve disputes directly with them.
You will not use the services for personal, family, or household purposes, peer-to-peer transfers, or any prohibited activity.
moneymotion may suspend or terminate your access to the services if:
Your chargeback or fraud rates exceed acceptable thresholds
You fail to provide required information or updates
You engage in prohibited activities
Your activities expose moneymotion or payment partners to unacceptable risk.
In such cases, moneymotion may also withhold payouts and apply any amounts owed to you against amounts you owe under the Set-Off provision.
You acknowledge and agree that, as moneymotion is the Merchant of Record, you shall not issue any invoice or make any direct demand for payment to any Buyer in a Transaction. If you agree with a Buyer to issue a refund or repay any portion of the sale price, you must not make this payment directly to the Buyer. Instead, you must notify moneymotion of the agreed refund, and moneymotion will process the relevant refund to the Buyer, only in respect of eligible transactions for physical goods.
You acknowledge and agree that digital goods, digital content, software, licences, subscriptions, or other intangible items are deemed delivered, opened, and used in full at the time the sale is completed. Accordingly, no refunds will be processed for digital goods unless required by applicable law.
As Merchant of Record, moneymotion shall be entitled to cancel a Transaction and grant the Buyer for physical goods a refund of the full price paid if:
the Buyer requests a refund within fourteen (14) days of the date of a one-off Transaction, or, in the case of a subscription service, within fourteen (14) days from the date on which the subscription was last renewed, and moneymotion determines, in its sole discretion, that a refund is appropriate;
moneymotion reasonably believes that the Transaction was made in error or fraudulently;
moneymotion reasonably believes that the Transaction may become subject to a Chargeback; or
required by any applicable law, regulation, payment method provider, or payment scheme rules.
If moneymotion determines, in its sole discretion, that one or more of your Products, or your Products as a whole, have an excessive Chargeback or refund rate, moneymotion shall be entitled to immediately:
suspend the sale of all or part of your Products through one, multiple, or all payment methods;
implement additional content or controls to the checkout process or related communications (including email notifications to Buyers);
terminate the Services with immediate effect in accordance with clause [Termination Clause]; and/or
Share information about your business and/or accounts with its payment service providers, acquirers, and relevant card schemes.
If moneymotion prevents a Chargeback or refunds a Buyer (including, but not limited to, as a result of a Chargeback, Pre-Chargeback Alert, or other dispute), moneymotion is entitled to recover from you:
the full amount of the refund or Chargeback;
any fees and expenses incurred by moneymotion in processing the refund or Chargeback;
moneymotion may set off any amounts owed under this clause against amounts payable to you, in accordance with the Set-Off provision of these Terms.
You agree that moneymotion, acting as Merchant of Record for Transactions, will operate under a self-billing arrangement for all settlements made to you under this Agreement. This means moneymotion will generate and issue settlement statements and corresponding self-billed invoices on your behalf for the amounts payable to you.
You hereby authorise moneymotion to:
raise and issue invoices in your name for the sale of your products or services to Buyers, as processed by moneymotion;
issue credit notes in your name where necessary (including for refunds, chargebacks, or adjustments); and
maintain these records for accounting, tax, and regulatory purposes.
Each self-billed invoice will state:
Your legal name and trading name (if applicable)
Your business address and tax identification number (where applicable)
The description of products or services sold
The total transaction amount and currency
Applicable fees, deductions, and taxes
The net amount payable to you
You are responsible for providing moneymotion with accurate tax details (including VAT/GST registration numbers where applicable) and for updating them promptly. You remain solely responsible for assessing, reporting, and remitting any taxes applicable to your business, except where moneymotion is expressly responsible under this Agreement.
moneymotion acts solely as the issuer of self-billed invoices for settlement purposes and does not assume responsibility or liability for your tax compliance obligations. You acknowledge and agree that any failure to comply with applicable tax laws, including but not limited to VAT/GST registration, reporting, and remittance, remains your sole responsibility. moneymotion shall have no liability for any penalties, interest, or other consequences arising from your failure to meet such obligations.
moneymotion will retain copies of all self-billed invoices and settlement statements for the period required by applicable law. You must also retain your own copies for your records.
This self-billing arrangement will remain in force for the duration of this Agreement unless terminated earlier by either party upon thirty (30) days' written notice. Upon termination, moneymotion will no longer generate invoices on your behalf and you will be responsible for issuing your own invoices for any future transactions.
You are duly organised, validly existing, and in good standing under the laws of your jurisdiction of incorporation or residence, and you have full power, legal right, and authority to enter into and perform your obligations under this Agreement. If you are an individual, you are at least eighteen (18) years of age and have full legal capacity to enter into binding agreements.
All information, documents, and materials you provide to moneymotion, including Merchant Information and Product Information, are true, accurate, complete, and up-to-date, and you will promptly notify moneymotion of any changes.
You will comply with all applicable laws, regulations, payment scheme rules, and moneymotion's Acceptable Use Policy in connection with your use of the services, your business activities, and your sale of products or services.
ALL TRANSACTIONS SUBMITTED TO moneymotion ARE GENUINE, AUTHORISED BY THE BUYER, AND REPRESENT A BONA FIDE SALE OF PRODUCTS OR SERVICES THAT YOU HAVE THE LEGAL RIGHT TO SELL.
You will ensure that the products or services you sell: are accurately described and priced; are delivered to the Buyer in the manner and within the time promised; comply with all applicable safety, quality, and labelling requirements; and do not infringe the intellectual property rights or other rights of any third party.
You are solely responsible for your relationship with Buyers, including all customer service, fulfilment, returns, refunds, cancellations, warranties, and other post-sale obligations.
You are solely responsible for assessing, collecting, reporting, and remitting all applicable taxes in relation to your business, except where moneymotion is expressly responsible for collecting and remitting such taxes under this Agreement.
You will not use moneymotion's services for any illegal, fraudulent, deceptive, or prohibited activities, including those set out in the Acceptable Use Policy.
You confirm that all of the representations and warranties you make under this Agreement — including, without limitation, statements about your identity, business activities, compliance with laws, and the legality of the products or services you offer — are and will remain true, accurate, and complete at all times while you use moneymotion's services. By using the services on any given day, you are deemed to be making and confirming these representations and warranties again on that day. If any of these statements becomes untrue or inaccurate at any time, you must immediately stop using the services and notify moneymotion in writing.
moneymotion disclaims any and all warranties, representations, and conditions, whether express, implied, or statutory, regarding the Services to the fullest extent permitted by law. Without limiting the generality of the foregoing, the Services are provided "as is" and without warranties of any kind, including, without limitation, any warranties of performance or implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. moneymotion does not make, and has not made, any representation or warranty that:
the Services will be uninterrupted, timely, secure, or error-free;
the results obtained from the use of the Services will be accurate, complete, reliable, current, or free from viruses or harmful code; or
all risks of fraudulent, disputed, or unlawful transactions can be eliminated
Some jurisdictions do not allow exclusion of implied warranties, so certain limitations in this clause may not apply to you.
To the fullest extent permitted by applicable law, in no event will moneymotion, its partners, payment processors, acquiring banks, service providers, affiliates, or any of their respective directors, officers, employees, or agents be liable to you or any third party for any special, incidental, indirect, punitive, exemplary, or consequential damages, whether foreseeable or unforeseeable, arising out of or in connection with this Agreement or the Services, regardless of whether moneymotion has been advised of the possibility of such damages and regardless of the legal theory (contract, tort, or otherwise) on which such damages are based.
The parties acknowledge that they may share Confidential Information for the purposes of this Agreement. The receiving party shall not use, disclose, or otherwise take any advantage of such Confidential Information, except as expressly permitted in this Agreement.
Each party shall exercise the same degree of care to avoid the publication or dissemination of the other party's Confidential Information as it affords to its own Confidential Information of a similar nature which it desires not to be published or disseminated, which in any event shall not be less than reasonable care.
Confidential Information disclosed under this Agreement shall only be used by the receiving party for the purposes of this Agreement or the performance of its obligations hereunder. The receiving party agrees not to use the disclosing party's Confidential Information for its own benefit or for the benefit of any third party.
The obligation not to disclose Confidential Information shall survive termination or expiry of this Agreement.
This obligation does not apply to information that:
is rightfully received from another party without confidentiality obligations;
is independently developed without use of the Confidential Information; or
becomes public other than through a breach of this Agreement.
The receiving party may disclose Confidential Information if required by law or a governmental authority, provided it gives prompt notice to the disclosing party (where legally permitted).
The parties acknowledge that data sharing is necessary to fulfil the provision of the Services under this Agreement.
Each party acts as an independent Data Controller for the purposes of Data Protection Laws and agrees to comply at all times with such laws, including GDPR, and with any applicable data sharing agreements.
moneymotion will maintain appropriate administrative, physical, and technical safeguards for the protection of the security, confidentiality, and integrity of personal data of Buyers and your data, as described in its Privacy Policy.
If you have no sales for a period of two (2) consecutive months and there is an outstanding balance payable to you, moneymotion reserves the right to charge an account dormancy fee and/or deactivate your account.
Dormant accounts with a negative balance and no sales activity in the preceding fifteen (15) days may be deactivated immediately. Following a Dormancy Period, moneymotion may revoke access to your account without notice.
Either party may terminate this Agreement by giving the other party at least 30 days' written notice.
Either party may terminate this Agreement immediately if:
the other commits a material breach of its obligations under this Agreement that is not remediable;
the other commits a material breach that is not remedied within 14 days of written notice;
any required license or authorisation is revoked; or
the other becomes insolvent or ceases business.
moneymotion may terminate this Agreement immediately if:
required by its payment processors or acquiring banks;
you, or a controlling entity or person associated with you, appear on a high-risk or restricted merchant list;
any of your representations or warranties are found to be false;
there is suspected fraud, criminal activity, or regulatory non-compliance;
your chargeback rate is excessive; or
your products or services breach the Acceptable Use Policy.
Termination or suspension does not release either party from payment obligations accrued before termination.
moneymotion may retain any amounts payable to you to cover potential refunds, chargebacks, and other liabilities.
Upon termination:
moneymotion will cease providing Services and disable access to systems and APIs;
moneymotion will return or destroy confidential information unless legally required to retain it.
Retained funds will be released on the later of six (6) months after termination or the expiry of the longest subscription period sold before termination, minus any deductions.
This Agreement constitutes the entire agreement between the parties.
No party has relied on statements not set out in this Agreement.
Neither party may assign or subcontract without written consent.
Neither party will be liable for delays caused by events beyond its reasonable control.
No delay or omission in enforcing rights shall be deemed a waiver.
If any clause is found invalid, the remainder of the Agreement remains in effect.
Each party shall comply with all applicable laws.
The parties are independent contractors and not agents, partners, or employees.
Notices must be given in writing or by email to the addresses provided.
This Agreement shall be governed by, and construed in accordance with, the laws of England and Wales. The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement (including any non-contractual disputes or claims).
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