1. General Provisions
1.1. This Policy regulates the procedure for integration and use of the Crypto Pay payment system ("Payment System"), which allows external services ("Partners") to accept cryptocurrency payments from users within the unified infrastructure of Crypto Bot.
1.2. The Payment System is a centralized service for accounting and transferring digital assets between users’ internal balances.
1.3. Use of the Payment System constitutes the Partner’s consent to this Policy, as well as to the accompanying AML/CFT Policy and Terms of Service.
2. Integration and Technical Interaction
2.1. Integration is carried out through an open API provided by the Payment System.
2.2. The Partner undertakes to:
use the official API documentation and testing environment (@CryptoTestnetBot);
ensure the security of API keys and access tokens.
2.3. The Payment System may monitor traffic and transactions for security purposes.
2.4. The Payment System reserves the right to make changes to the API and technical documentation at any time without prior notice to Partners.
Use of the Payment System by the Partner after such changes have been made constitutes acceptance of the updated version.
3. Payment Processing Procedure
3.1. The user (the Partner’s client) initiates a payment through the Payment System interface.
3.2. After a successful transfer, the Partner receives a notification or webhook confirming the credit, if such are enabled.
3.3. Internal commissions and exchange rates (if applicable) are determined automatically by the system at the time of the operation. The service is not responsible for inaccurate rate information provided by external sources.
3.4. The Payment System may charge fees for processing transactions, currency conversions, withdrawals, or other operations in accordance with the applicable tariffs published in the Crypto Pay section in Crypto Bot.
4. Security
4.1. All users must comply with the AML/CFT Policy.
4.2. The Payment System has the right to suspend or cancel internal transfers if there is suspicion of:
money laundering or terrorist financing;
fraudulent activities;
the use of prohibited content or services.
4.3. The Partner must not accept payments for goods or services that violate the laws of their jurisdiction or international sanctions.
4.4. The Payment System may require KYC verification of the Partner and/or its users.
5. Liability of the Parties
5.1. The Partner bears full responsibility for the goods, services, and refunds provided to its users.
5.2. The Payment System is responsible only for the correct execution of internal transfers within its infrastructure.
5.3. The Payment System is not responsible for:
disputes between the Partner and its users;
exchange rate fluctuations;
actions of third parties who gained access to Partner or user accounts.
6. Refunds and Disputes
6.1. Since operations are instant and do not involve blockchain transactions, refunds can only be initiated by the Partner via the system interface or API.
6.2. In case of an erroneous transfer or technical failure, a refund is possible only with confirmation from both parties and provided that the funds have not been withdrawn.
7. Confidentiality and Data
7.1. The Payment System processes personal data of users and Partners solely for the purpose of fulfilling its functions.
7.2. Data is not shared with third parties, except as required by law or upon request from regulators.
7.3. The Partner undertakes to maintain the confidentiality of information received through the API and notifications.
8. Restrictions and Termination of Cooperation
8.1. The Payment System has the right to suspend the operation of a specific integration, as well as block the Partner’s account or its related balance in the following cases:
violation of this Policy or the Terms of Service;
receipt of complaints from users, regulators, or payment partners;
investigation of suspicious or illegal activities;
detection of operations related to money laundering, fraud, terrorist financing, or sanctions evasion;
detection that the Partner accepts payments for prohibited goods, services, or content (including but not limited to: narcotics, weapons, gambling, pornography, pirated content, phishing services, cash-out schemes, sale of personal data, etc.).
8.2. In case of suspension of activity for one or more integrations, the Payment System may freeze the Partner’s internal balance until the investigation is completed and a decision is made regarding its status.
8.3. The Payment System may withhold or confiscate funds if it is determined that they were obtained through prohibited or fraudulent activity.