1. Who we are and what these terms cover
GatewayChanger ("GatewayChanger", "we", "us") provides a payment routing and orchestration service at gatewaychanger.com, together with store plugins and documentation (the "Service"). These terms govern your organization's use of the Service.
To be confirmed The operating legal entity, its registered address and its company number will be stated here before these terms take effect.
2. What the Service is — and is not
The Service decides, according to rules you configure, which of your shops should take payment for an order and with which payment processor. It issues a signed routing decision, records the outcome your shops report, and presents decisions, transactions and settlement summaries in a dashboard.
The Service is not a payment service provider, acquirer, payment institution, e-money institution or card vault. We do not process card payments, we do not receive cardholder data, we do not hold your processor credentials, and we never come into possession of funds. Your shops keep their own merchant agreements with their own processors.
3. Your account
You need an account to use the Service. You are responsible for the accuracy of the details you provide, for the security of credentials and API keys, and for everything done under your organization's account. Notify us promptly if you believe a key has been exposed; keys can be rotated from the dashboard at any time.
You must be at least 18 years old and authorised to act for the organization you register.
4. Shops, roles and the charger attestation
You register shops and give each one a seller role, a charger role, or both. Before a shop may act as a charger you must attest that:
- your acquirer or payment service provider is aware that the shop processes payments for the other entities you have named;
- receipts and card descriptors identify the entity that takes the payment;
- a written agreement exists between the selling and the charging entity; and
- refunds and disputes are handled by the charging shop.
We record who accepted that attestation and when. Attesting falsely is a material breach of these terms.
5. Your responsibilities
- Legality of the arrangement. You are responsible for ensuring that having one entity charge for another is permitted by your acquirer, your card scheme rules and your local law.
- Consent. Your seller shops must display the consent we provide, unaltered in meaning, and your terms of service must state that payment may be processed by a named affiliated company.
- Customer service. The selling shop remains responsible to the customer for the goods or services; the charging shop remains responsible for the payment, refunds and disputes.
- Taxes and invoicing between your own entities are yours to handle. Our settlement reports are a summary, not an invoice, and not tax advice.
- Security of your stores. Keeping your shop software, plugins and servers up to date is your responsibility.
6. Acceptable use
You must not use the Service to:
- process transactions for an undisclosed third party, or otherwise engage in factoring or transaction laundering;
- evade a processor, acquirer or scheme decision, a MATCH listing, sanctions, or a chargeback monitoring programme;
- process payments for goods or services that your processor prohibits or that are unlawful where you or your customer are;
- test stolen card data, or route traffic whose purpose is card testing or fraud;
- disguise the identity of the charging entity from the customer, the acquirer or us; or
- attack, overload, reverse engineer or resell the Service.
We may suspend routing for an organization or a single shop immediately where we reasonably believe this section is being breached, and will tell you why.
7. Fees and billing
Plans and prices are published at gatewaychanger.com/pricing. Plans are priced by the number of connected shops — shops that are switched on in the Service — and are billed yearly in advance. Transactions, turnover and routing decisions are not metered or charged. Prices are exclusive of VAT and any other applicable taxes.
Moving to a larger plan takes effect immediately; the difference for the rest of the current year is prorated to the day and charged at once. Moving to a smaller plan is possible once no more shops are connected than it covers, and the unused part of the current year is credited against your next invoice. You may cancel at any time, effective at the end of the year already paid for; we do not refund the remaining part of a year.
If a payment fails, the Service continues while the payment is retried. If it remains unpaid, routing of real payments is paused until the plan is paid; the test environment and your data exports remain available.
Paying in cryptocurrency. You may pay for a plan in the cryptocurrencies offered in the dashboard. Prices are set in US dollars; the amount of cryptocurrency due is calculated at the exchange rate when you choose the coin and holds for 60 minutes, after which a new amount is calculated. A payment counts as received once the network has confirmed it. Network fees are yours. A payment sent on a network other than the one shown, or to an address other than the one shown for that payment, cannot be credited or returned. A crypto payment covers one year in advance and does not renew automatically: the plan ends at the end of the paid year unless you pay for the next one, which then starts when the current year ends. Moving to a larger plan during a year paid in cryptocurrency costs the difference for the rest of that year, prorated to the day; moving to a smaller plan takes effect when you pay for the next year. Crypto payments are not refunded; an amount received in excess of what was due is not returned automatically — write to us about it.
To be confirmed Invoicing entity.
8. Availability, support and changes
During early access the Service is provided without a service level agreement. We will publish planned maintenance and post incidents honestly. Paid plans include the support response targets stated on the pricing page.
We may change the Service. Breaking changes to the API or the shop-to-shop protocol are versioned and announced in the changelog before they take effect. Plugin updates never change the behaviour of your checkout silently: new behaviour ships switched off.
9. Data protection
Our processing of personal data on your behalf is governed by the data processing addendum, which forms part of these terms. Our own processing as a controller is described in the privacy notice.
You retain all rights in your data. You can export decisions, transactions and settlements at any time, and we do not charge for export — during the relationship or after it ends.
10. Intellectual property
We keep all rights in the platform, the dashboard, the documentation and the brand. You keep all rights in your data, your stores and your content. The store plugins are distributed under the licence stated in each plugin's own files, which for WordPress and Magento distributions is an open-source licence compatible with those ecosystems.
You may reproduce our documentation internally to implement the Service. You may not present the Service as your own product without a separate written agreement.
11. Warranties and disclaimers
We provide the Service with reasonable skill and care. Beyond that, and to the maximum extent the law allows, the Service is provided "as is": we do not warrant uninterrupted availability, that a routing decision will always find an available charger, or that a payment will succeed.
We make no representation that your particular arrangement complies with card scheme rules, PCI DSS, PSD2 or any other regime. The information on this site is not legal advice.
12. Liability
To be confirmed The final liability cap will be stated here. Our intent is a cap at the fees you paid in the twelve months before the claim, with the usual exclusions for indirect and consequential loss, and no exclusion for fraud, wilful misconduct, death or personal injury.
We are not liable for the acts of your processors, acquirers or card schemes, for chargebacks, or for money that one of your entities owes another.
13. Term, suspension and termination
These terms run until terminated. You may terminate at any time from the dashboard. We may terminate for material breach that is not cured within 30 days, or immediately for a breach of the acceptable-use section.
On termination, live routing stops. Your data remains exportable for 90 days, after which it is deleted according to the retention rules in the data processing addendum.
14. Changes to these terms
We will give at least 30 days' notice by email before a change that materially affects you takes effect. If you do not accept it, you may terminate before it applies. While these terms are marked as a draft, they do not bind either of us.
15. Governing law and disputes
To be confirmed Governing law and the competent courts will be stated here once the operating entity is registered. Consumers, where they use the Service at all, keep the protections of their local law.
16. Contact
Write to [email protected] for anything about these terms, including a redline of this draft.
Questions about this draft go to [email protected]. See also the compliance page for the plain-language version of how the service is built.