Terms and Conditions
These terms outline the rules for using our platform.
§1Introduction
These Terms of Service (“Terms”) govern your access to and use of the OQOVOPAY platform, website, APIs, software, and related services (collectively, the “Services”).
OQOVOPAY is a payment orchestration platform operated by OQOVO LLC, a limited liability company registered in the State of New Mexico, United States, with its registered address at 102 Gold Ave SW, Albuquerque, NM 87102.
OQOVOPAY provides software, dashboards, onboarding and orchestration services only. OQOVOPAY is not a bank, payment processor, money transmitter or money services business, and does not collect, hold, control or transmit end-customer funds. All payment collection, processing and settlement services are provided to you directly by licensed third-party payment providers under their own terms.
Throughout these Terms, “OQOVOPAY,” “we,” “us,” and “our” refer to OQOVO LLC. By using the Services you agree to these Terms.
§2Scope of Services
OQOVOPAY provides a unified payment orchestration layer enabling businesses to:
- Connect to licensed payment providers (acquirers and PSPs) through a single integration
- Route transactions intelligently across providers to improve authorization rates
- Configure one-time and recurring billing, executed by licensed providers
- Monitor transactions, disputes and payouts in real time from one dashboard
- Access analytics, reporting and revenue-optimization tools
- Integrate with third-party tools and platforms
- Use white-label or embedded dashboard solutions
All payment collection, processing, refunds and settlement are performed by the licensed payment provider serving your account — never by OQOVOPAY. OQOVOPAY may update, modify, or enhance the Services at any time.
§3Eligibility
To use Oqovopay, you must:
- Be a legally registered business or organization
- Have the authority to bind the business to these Terms
- Use the Services solely for lawful commercial purposes
§4Account Registration
You agree to provide accurate, complete, and up-to-date information during registration and throughout your use of the Services. Oqovopay may request additional information or documentation to:
- Verify your identity or business
- Assess risk and compliance
- Maintain platform integrity
§5Platform Role & Transaction Handling
OQOVOPAY’s role is limited to software, orchestration and onboarding. In that capacity, OQOVOPAY:
- Provides the dashboards and APIs you use to configure and monitor payments
- Transmits payment instructions to your licensed payment provider(s)
- Does not collect, hold or control end-customer funds at any time
- Does not execute refunds, reversals or payouts — these are performed by the licensed provider
- Receives only its own service fees and commissions, invoiced separately
Funds flow directly between end customers, the licensed payment provider and your settlement account. Client money sits with regulated institutions at all times — never with OQOVOPAY.
§6Fees & Pricing
Fees for using OQOVOPAY are defined in your commercial agreement, order form, or pricing pages. OQOVOPAY may modify pricing with reasonable notice.
Payout timing, settlement schedules, reserves, refunds and chargebacks are determined and executed by your licensed payment provider under its own terms. OQOVOPAY has no control over, and no access to, settlement funds.
§7Prohibited Activities
You may not use Oqovopay for:
- Illegal, fraudulent, or deceptive activities
- Money laundering, terrorism financing, or sanctions violations
- Unauthorized sale of regulated or prohibited products
- Infringement of intellectual property rights
- Circumventing security or monitoring systems
§8Fraud Prevention & Risk Management
Oqovopay employs automated and manual systems to:
- Monitor transactions
- Detect suspicious behavior
- Prevent fraud and abuse
- Protect end customers
OQOVOPAY may suspend platform access or flag activity for review when risk thresholds are exceeded, and may report suspected fraud to the relevant licensed payment provider, which decides on any holds or reversals under its own policies.
§9Availability & Performance
While Oqovopay targets high availability and reliability, the Services are provided on an “as is” and “as available” basis. Oqovopay does not guarantee uninterrupted or error-free operation and may perform maintenance or upgrades without prior notice.
§10White-Label & Embedded Use
If you use Oqovopay in a white-label or embedded context:
- You remain responsible for your end-user relationships
- You must present accurate information to your customers
- You may not misrepresent Oqovopay's role or functionality
Oqovopay may impose additional requirements for white-label usage.
§11Intellectual Property
All intellectual property related to OQOVOPAY, including software, APIs, documentation, trademarks, and branding, is owned by OQOVO LLC or its licensors. No rights are granted except as expressly stated in these Terms.
§12Limitation of Liability
- Oqovopay is not liable for indirect, incidental, special, or consequential damages
- OQOVO LLC's total liability is limited to the fees paid during the three (3) months preceding the event giving rise to the claim
§13Indemnification
You agree to indemnify and hold harmless OQOVOPAY and OQOVO LLC from any claims, damages, liabilities, costs, or expenses arising from:
- Your use of the Services
- Your business activities
- Violations of these Terms or applicable law
§14Termination
Oqovopay may suspend or terminate access at any time for compliance, risk, or operational reasons. Termination does not relieve you of outstanding obligations.
§15Governing Law & Jurisdiction
These Terms are governed by the laws of the State of New Mexico, USA, without regard to conflict-of-law principles. Exclusive jurisdiction lies with the courts located in New Mexico.
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