Terms and Conditions

1. Acceptance of These Terms

These Terms and Conditions govern your access to and use of the iGamingGateway website and payment services. By applying for an account, accessing our website or using our services, you agree to be bound by these terms. If you do not agree, you must not use our services.

2. About iGamingGateway

iGamingGateway supplies technical payment gateway services only. We provide the technology that connects your systems to acquiring banks, card networks and alternative payment providers, together with related value-added services. We are not a bank, a card issuer, an acquirer, a money remitter or a payment facilitator.

iGamingGateway does not hold, control, manage, safeguard or settle client funds. Funds move directly between your customers, the relevant acquirers, card networks and payment providers, and are settled to you by those parties under their own terms. iGamingGateway never takes possession of, or title to, transaction funds.

3. Eligibility and Onboarding

To use our services you must be a legally registered business or sole trader able to enter into binding contracts. All applications are subject to our review, and approval is at our sole discretion.

• You must provide accurate, complete and current information during onboarding and keep it up to date.
• You must complete identity, ownership and business verification as required by our compliance programme and by our partners.
• You are responsible for entering into any separate agreement required by an acquirer or payment provider before you can process through them.
• We may decline an application, request further information, or impose conditions on approval.

4. Merchant Obligations

You are responsible for your business, your customers and your use of the services.

• Comply with all laws and regulations applicable to your business in every jurisdiction in which you operate.
• Obtain and maintain any licences, registrations or authorisations your activities require.
• Provide accurate descriptions of your goods and services, and honour the terms you present to your customers.
• Keep your integration, credentials and systems secure and notify us promptly of any suspected compromise.

5. Prohibited Activities

You must not use the services to process transactions that are unlawful or that breach our policies or those of our partners.

• Any activity that is illegal, fraudulent or intended to deceive customers, partners or iGamingGateway.
• Any business category we have not approved, or that breaches our partners' acceptable use requirements.
• Processing transactions on behalf of an undisclosed third party, or activity inconsistent with your approved profile.

6. Fees and Charges

iGamingGateway charges you for access to and use of the gateway. Fees are set out in your commercial agreement and may be charged as one or more of the following:

• Transaction fees — a fee per transaction processed through the gateway, charged at the rate agreed for the relevant payment method, currency or region.
• Value-added service (VAS) fees — a fee for optional services such as routing optimisation, fraud and risk tooling, tokenisation, reconciliation, reporting and chargeback management.
• Integration and set-up charges — a fee for integration work, bespoke development, technical configuration, additional environments or onboarding support where these are requested or required.
• Other charges — any additional fees expressly agreed with you, including third-party costs, scheme or partner fees, and dispute or chargeback fees.

7. Billing and Payment

Fees are invoiced and payable in the currency and on the terms set out in your commercial agreement. Unless agreed otherwise, fees are billed periodically and must be paid within the period stated on the invoice.

Because iGamingGateway does not handle transaction funds, fees are collected from you directly by invoice or by the agreed billing method, and are not deducted from, or netted against, funds held on your behalf by us. Any fees levied directly by an acquirer, card network or payment provider are payable by you to that party under its own terms.

We may set off any undisputed amounts you owe us against any amounts we may owe you. Late or unpaid amounts may result in suspension of access to the gateway and may attract interest or recovery costs where permitted.

8. Chargebacks and Refunds

You are responsible for chargebacks, reversals, fines and related fees arising from your transactions, together with any applicable dispute fees. Chargebacks and refunds are managed by the relevant acquirer, card network or payment provider under its own rules, and you agree to cooperate with their investigations and provide evidence within the timeframes specified.

9. Intellectual Property

All intellectual property rights in our website, services, software, documentation and branding belong to iGamingGateway or its licensors. You receive a limited, non-exclusive, non-transferable right to use the services for your internal business purposes during the term of your agreement.

10. Warranties and Disclaimers

The services are provided on an “as available” basis. To the fullest extent permitted by law, we disclaim all implied warranties, including fitness for a particular purpose and uninterrupted or error-free operation. We do not warrant that any acquirer or payment method will approve your transactions, and we are not responsible for the acts, omissions, delays or decisions of any acquirer, card network or payment provider.

11. Limitation of Liability

To the fullest extent permitted by law, iGamingGateway is not liable for indirect, incidental, special or consequential losses, loss of profits, revenue, goodwill or data. iGamingGateway is not liable for any loss of or delay in transaction funds, since we do not hold or control those funds. Our total aggregate liability arising out of or in connection with the services is limited to the gateway and service fees paid by you to iGamingGateway in the three months preceding the event giving rise to the claim.

12. Term and Termination

Your agreement continues until terminated in accordance with its terms. We may suspend or terminate access immediately where we suspect fraud, illegal activity, breach of these terms, or where required by law or by our partners. On termination, amounts owed remain payable and obligations that by their nature should survive will survive.

13. Governing Law

These terms are governed by the laws of the jurisdiction specified in your commercial agreement, and the courts of that jurisdiction have exclusive jurisdiction, unless applicable law requires otherwise.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. Continued use of the services after an update takes effect constitutes acceptance of the revised terms.

15. Contact

Questions about these terms can be sent to legal@igaminggateway.com.