Terms of Service

1. Acceptance of terms

By creating an account, generating a payment link, or otherwise using Apa (the "Service"), you agree to these Terms of Service. If you are using Apa on behalf of a business, you represent that you are authorised to bind that business. If you do not agree, do not use the Service.

2. Description of the service

Apa is a non-custodial crypto checkout. It lets merchants accept payments that settle directly to their own wallets. When a customer pays the exact asset on the network the merchant has chosen to receive on, the payment settles directly with no Apa fee. When the customer pays a different asset, a different network, or both, Apa orchestrates a routed payment that swaps or bridges the funds as needed before settlement.

Apa provides software that creates payment sessions, hosted checkout pages, payment links, and developer APIs and webhooks. Apa does not hold funds, take custody of assets, or control private keys at any point.

3. Merchant responsibilities

• Wallet accuracy. You are solely responsible for the wallet addresses and networks you configure. Funds sent to an address you provided cannot be recovered by Apa. Verify every address before going live.
• Compliance. You are responsible for complying with all laws that apply to your business, including tax, sanctions, anti-money-laundering and consumer-protection rules in your jurisdiction.
• Customer disclosures. You are responsible for your own refund, delivery and dispute policies and for communicating them to your customers.

4. Fees

Direct payments — the exact payout asset on the merchant's payout network — carry a 0% Apa fee. Routed payments that require asset or network conversion carry a single 1.5%Apa fee on the payment amount. Apa does not charge any separate bridge, conversion, network or provider surcharge on top of it. The customer's wallet may still pay ordinary blockchain network gas directly to the chain. The Apa fee is handled inside the routed conversion path.

5. No custody, no fiduciary relationship

Apa never holds your funds or private keys and never takes custody of any asset. Apa is a software provider, not a bank, money transmitter, exchange, broker or fiduciary. No trust or fiduciary relationship is created by your use of the Service.

6. Third-party routing providers

Routed payments are executed through third-party routing and bridging providers and the underlying blockchains and bridges they use. Apa does not control these providers and is not responsible for their availability, performance, fees or failures. Your use of a routed payment is also subject to those providers' own terms.

7. Irreversibility and risk

Blockchain transactions are irreversible. Once a payment confirms on-chain it cannot be reversed, and there are no chargebacks. Routed payments carry additional risks including price movement during conversion, route delays, bridge failures, quote expiry and wrong-network payments. You accept these risks when you use the Service. See our risk disclosure for detail.

If a routed payment cannot complete, it is built to return the funds to the customer's source wallet and is marked failed or refund-required. Because Apa is non-custodial it never holds the funds and does not move customer money on your behalf; any remaining edge case is coordinated with the merchant. Crypto payments are final and chargeback-free: refunds, where warranted, are sent by the merchant directly, and Apa may flag a refund-required case but cannot reverse a settled payment.

8. Prohibited use

• Using Apa for unlawful activity, fraud, or to evade sanctions or AML controls.
• Accepting payments for goods or services that are illegal in your jurisdiction.
• Attempting to disrupt, reverse-engineer or gain unauthorised access to the Service.
• Misrepresenting who you are or what a payment is for.

Because Apa never holds merchant or customer funds, it operates as software rather than a custodian or exchange. You agree to these acceptable-use and prohibited-business terms, and Apa screens payout and counterparty addresses against sanctions lists and may decline or halt a payment that matches.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied. Apa does not warrant that the Service will be uninterrupted, error-free, or that any payment or route will succeed. Apa does not provide financial, investment, legal or tax advice.

10. Limitation of liability

To the maximum extent permitted by law, Apa is not liable for any indirect, incidental, special or consequential damages, or for any loss of funds arising from blockchain transactions, third-party providers, network conditions, or errors in the addresses or settings you configured. Because Apa never takes custody of your funds, it cannot reverse, recover or refund any payment on your behalf.

11. Changes to these terms

Apa may update these terms from time to time. Material changes will be reflected by an updated date at the top of this page. Your continued use of the Service after a change constitutes acceptance of the revised terms.

12. Contact

Questions about these terms can be sent to [email protected].