“FielddPAY” means the payment processing service operated by Fieldd Inc., providing credit card, debit card, ACH, digital wallet, and other payment processing services as may be offered from time to time.

“Processing” refers to the authorization, capture, settlement, and reporting of payment transactions on behalf of a Merchant.

“Merchant” refers to the individual or business entity that accepts payments for goods or services through FielddPAY.

“Platform Partner” refers to any third-party software platform that integrates FielddPAY as a payment processing option for its users.

“Processor” refers to the third-party payment facilitator that processes card transactions on behalf of FielddPAY.

“Services” means collectively all payment processing, settlement, reporting, and related services provided by FielddPAY.

FielddPAY provides embedded and standalone payment processing services, including but not limited to credit card processing, debit card processing, ACH transfers, digital wallet payments (such as Apple Pay), stored card-on-file transactions, tipping, and gift card processing. FielddPAY may add, modify, or discontinue specific services at any time with reasonable notice.

To use FielddPAY, you must:

1. Be at least 18 years of age or the age of majority in your jurisdiction.

2. Be a legally formed business entity or sole proprietor operating a lawful business.

3. Provide accurate, current, and complete information during registration and keep it updated.

4. Not operate a business type that is restricted under the card network rules or by our Processor.

5. Complete any required identity verification, including Know Your Customer (KYC) and Anti-Money Laundering (AML) checks as required by applicable law.

4.1 United States

In the United States, FielddPAY partners with Rainforest Payments, a registered Payment Facilitator and Level 1 PCI Compliant Service Provider, acting as a registered agent of Citizens Bank, N.A. and Sutton Bank. By using FielddPAY, you agree to the Processor’s Terms and Conditions, which may be amended from time to time.

4.2 Australia

In Australia, FielddPAY partners with a PCI DSS accredited Payment Service Provider to process transactions. By using FielddPAY in Australia, you agree to the applicable Processor’s terms and conditions.

4.3 Additional Jurisdictions

FielddPAY may expand to additional jurisdictions. Processing in each jurisdiction will be subject to the terms of the applicable local Processor and relevant regulatory requirements.

5.1 Transaction Fees

You agree to pay all applicable processing fees for transactions submitted through FielddPAY. Fees are deducted from the transaction amount prior to settlement.

1. United States: 2.9% + $0.30 USD per transaction. For card-present transactions using FielddPAY-approved hardware, a reduced fee of 2.59% + $0.30 applies.

2. Australia: 1.89% + $0.30 AUD per transaction. Automated contractor payroll: $1.00 AUD per payout.

5.2 Additional Fees

1. Chargeback Fee: $30.00 per chargeback, non-refundable regardless of dispute outcome.

2. Improper Chargeback Administrative Fee: $500.00 if a chargeback is filed in violation of these terms and subsequently overturned in FielddPAY’s favor.

3. Recovery Fees: FielddPAY may charge your connected bank account or card on file to resolve any unpaid fees, adjustments, or negative balances.

5.3 Fee Changes

FielddPAY reserves the right to modify its fee structure with 30 days’ written notice. Continued use of the Services after the effective date of a fee change constitutes acceptance of the new fees.

6.1 United States

Funds are settled to your designated bank account on the next business day. Transactions processed before 7:00 PM ET will be included in that day’s batch settlement.

6.2 Australia

Funds are settled on a Monday–Sunday weekly cycle, with a cut-off time of 11:59 PM Sunday AWST. Funds are deposited by automatic electronic settlement at 12:30 PM AWST Thursday to your nominated bank accounts. Victorian and Australian national public holidays on Monday, Tuesday, and/or Wednesday will delay Thursday’s settlement.

6.3 General

1. FielddPAY may deduct any outstanding fees from your payouts prior to settlement.

2. Payout timing is subject to change based on risk assessment, account history, or regulatory requirements.

3. FielddPAY reserves the right to hold, delay, or suspend payouts where it reasonably suspects fraudulent activity, excessive chargebacks, or violations of this Agreement.

You are liable for all chargebacks and associated fees arising from transactions processed through your FielddPAY account.

1. You are responsible for managing chargeback responses through the FielddPAY dashboard or as otherwise directed by FielddPAY.

2. If you experience a billing concern with FielddPAY, you agree to contact FielddPAY Support to attempt resolution before initiating any chargeback or dispute with your financial institution.

3. Filing a chargeback without first seeking resolution through FielddPAY may result in FielddPAY disputing the chargeback and providing evidence of your agreement to these terms.

4. Repeated chargeback activity may result in account suspension, termination, or placement in a monitoring program.

FielddPAY reserves the right to:

1. Withhold payouts or place funds in reserve if your account is associated with elevated chargeback risk, suspected fraudulent activity, or regulatory concern.

2. Request additional verification or documentation at any time, including proof of delivery, business licenses, or identity documents.

3. Terminate or suspend your access to FielddPAY if you are engaged in a restricted business type as determined by FielddPAY, the Processor, or applicable card network rules.

4. Set, adjust, or enforce processing limits, volume caps, or transaction thresholds at its sole discretion.

You may not use FielddPAY to:

• Process transactions for illegal goods or services.

• Process transactions on behalf of a third party not authorized under your account.

• Submit fraudulent, fictitious, or unauthorized transactions.

• Operate a business type prohibited by card network rules, applicable law, or FielddPAY policy.

• Engage in money laundering, terrorist financing, or any activity prohibited under applicable AML/CTF laws.

• Use the Services in a manner that violates applicable data protection or privacy laws.

• Circumvent or attempt to circumvent any security measures, fraud detection, or risk management controls.

FielddPAY processes personal and financial data in accordance with its Privacy Policy, available at fielddpay.com/privacy.

1. All transactions are encrypted and processed in compliance with PCI DSS standards. Card data is tokenized and never stored on FielddPAY or Merchant servers.

2. You agree to handle all customer data in compliance with applicable privacy laws, including but not limited to GDPR, CCPA, and the Australian Privacy Act 1988.

3. You are responsible for maintaining the security of your account credentials and must notify FielddPAY immediately of any unauthorized access to your account.

All trademarks, logos, software, documentation, and other intellectual property associated with FielddPAY are owned by Fieldd Inc. You are granted a limited, non-exclusive, non-transferable, revocable license to use the FielddPAY name, logo, and integration materials solely in connection with your authorized use of the Services. You may not use FielddPAY’s intellectual property in any manner that suggests endorsement, affiliation, or sponsorship without prior written consent.

If you access FielddPAY through a Platform Partner (e.g., a third-party software application that has integrated FielddPAY as a payment option):

1. Your relationship with FielddPAY is governed by this Agreement, independent of any agreement you have with the Platform Partner.

2. The Platform Partner is not a party to this Agreement and is not responsible for FielddPAY’s obligations hereunder.

3. FielddPAY is not responsible for the actions, omissions, products, or services of any Platform Partner.

4. Disputes between you and a Platform Partner do not affect your obligations to FielddPAY under this Agreement.

If a Platform Partner integrates FielddPAY under its own branding or as a white-label payment solution, the following requirements apply:

Processor Disclosure. All white-label implementations must display “Powered by FielddPAY” in a clearly visible location on any payment screen, checkout flow, receipt, invoice, or payment confirmation presented to end users. This attribution must be legible, unobscured, and not smaller than 10px or the equivalent in print.

Regulatory Compliance. This disclosure is required to comply with card network rules (Visa, Mastercard, American Express) and applicable banking regulations, which mandate that the entity processing the payment is identifiable to the cardholder. Removal or concealment of this attribution is a material breach of this Agreement.

Statement Descriptor. Transactions processed through white-label implementations will appear on cardholder statements with a descriptor that includes FielddPAY or an approved abbreviation, in accordance with card network requirements. Platform Partners may request a custom statement descriptor prefix, subject to FielddPAY approval.

Terms Accessibility. Platform Partners must ensure that end users (Merchants) have access to FielddPAY’s Terms of Service and Privacy Policy, either through a direct link or by incorporating them into the Platform Partner’s own onboarding flow.

Brand Guidelines. Use of the FielddPAY name, logo, and “Powered by FielddPAY” badge must conform to the FielddPAY Brand Guidelines, available upon request. Unauthorized modification of FielddPAY branding assets is prohibited.

FielddPAY provides the Services “as is” and “as available.” To the maximum extent permitted by law, FielddPAY makes no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

1. FielddPAY’s total liability to you for any claims arising under this Agreement shall not exceed the total fees paid by you to FielddPAY in the twelve (12) months preceding the claim.

2. In no event shall FielddPAY be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, regardless of whether such damages were foreseeable.

You agree to fully indemnify, defend, and hold harmless Fieldd Inc., its officers, directors, employees, and agents from any and all losses, liabilities, claims, damages, costs, and expenses (including reasonable attorney’s fees) arising from:

1. Your use of the Services.

2. Any chargebacks, refunds, transaction errors, or fraudulent activity associated with your account.

3. Your violation of this Agreement, applicable law, or card network rules.

4. Any claims brought by your customers, employees, contractors, or any third party in connection with your use of FielddPAY.

If FielddPAY incurs financial losses as a result of your chargebacks, failed refunds, or any other activity conducted through your account, FielddPAY will pursue full recovery through all legal means available. This includes, where applicable, holding owners, officers, or responsible individuals personally liable in cases involving negligence, misrepresentation, fraud, or failure to meet financial obligations.

This Agreement is effective upon account creation and continues until terminated by either party.

1. You may terminate this Agreement at any time by closing your FielddPAY account, provided all outstanding obligations (including pending transactions, chargebacks, and fees) are satisfied.

2. FielddPAY may suspend or terminate your account at any time, with or without cause, including but not limited to: violation of this Agreement, excessive chargeback rates, suspected fraud, engagement in restricted business types, or as required by law or card network rules.

3. Upon termination, FielddPAY may hold funds for up to 180 days to cover potential chargebacks, refunds, or other liabilities. Sections 5, 7, 8, 13, 14, and 17 survive termination.

FielddPAY reserves the right to amend this Agreement at any time. Material changes will be communicated via email or through the FielddPAY dashboard with at least 30 days’ notice. Continued use of the Services after the effective date of any modification constitutes acceptance of the revised terms. If you do not agree with a modification, your sole remedy is to close your account before the effective date.

United States: This Agreement shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under this Agreement shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, with arbitration to take place in Austin, Texas.

1. Australia: This Agreement shall be governed by the laws of the State of Western Australia. Any disputes arising under this Agreement shall be submitted to the exclusive jurisdiction of the courts of Western Australia.

2. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration against FielddPAY.

FielddPAY shall not be liable for any failure or delay in performance of its obligations under this Agreement due to circumstances beyond its reasonable control, including but not limited to natural disasters, acts of government, internet or telecommunications failures, cyberattacks, pandemics, or failures of third-party processors or banking partners.

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

This Agreement, together with the Privacy Policy, Acceptable Use Policy, and any Processor terms referenced herein, constitutes the entire agreement between you and FielddPAY with respect to the Services and supersedes all prior agreements, representations, and understandings.

FielddPAY is operated by Fieldd Inc.

Email: fielddpay@fieldd.co

Address: Austin, Texas, United States

For support inquiries, visit fielddpay.com/support or contact our team Monday–Friday, 9:00 AM–5:00 PM CST.

By creating a FielddPAY account or using the Services, you acknowledge that you have read, understood, and agree to be bound by this Agreement.