Terms & Conditions

Last updated: December 1, 2025

These Terms & Conditions (“Terms”) govern your access to and use of Paybar’s website and services. By engaging Paybar, submitting an intake form, or entering into any service agreement, you acknowledge and agree to these Terms.

1. About Paybar
Paybar is a global payments and commerce advisory firm providing services related to payment processing support, reserve recovery coordination, risk remediation, product testing, and supplier alignment. Paybar does not operate as a bank, payment processor, acquiring institution, or law firm.

2. Scope of Services
Paybar provides professional services including, but not limited to:
- Payment processor advisory and coordination
- Reserve and funding hold recovery support
- Risk and compliance remediation
- Product testing and supplier realignment
- Strategic introductions to third-party partners.

All services are advisory and execution-support in nature. Final decisions rest with payment processors, banks, networks, suppliers, regulators, or other third parties.

3. No Financial or Legal Authority

‍Paybar does not:
- Hold, transmit, or control merchant funds
- Underwrite merchants
- Guarantee account approval, fund release, or reinstatement
- Provide legal representation or legal advice

Any legal coordination provided is conducted through licensed third-party professionals.

4. Client Responsibilities
‍Clients represent and warrant that all information provided to Paybar is accurate, complete, and lawful. Clients remain fully responsible for:

- Their products and claims
- Regulatory compliance
- Business operations
- Representations made to processors or partners
Paybar relies on client-provided information and is not responsible for inaccuracies or omissions.

5. Fees & Payments
‍Service fees are agreed upon in writing prior to engagement. Fees are earned upon delivery of services and are not contingent upon outcomes unless explicitly stated in a separate written agreement.

6. Intellectual Property
All Paybar frameworks, methodologies, documentation, processes, and materials — including MRD™ — are proprietary and may not be copied, shared, or reverse-engineered.

7. Limitation of Liability
To the maximum extent permitted by law, Paybar shall not be liable for:
- Loss of revenue, profits, or business
- Processor or bank decisions
- Delays or denials by third parties
- Indirect or consequential damages

8. Governing Law
‍These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

‍Services Disclaimer
‍Paybar provides advisory, analytical, and coordination services only. We do not control or influence the internal decision-making of payment processors, acquiring banks, card networks, or regulators.

Outcomes such as account reinstatement, reserve release, fee adjustments, or processing approvals are determined solely by third parties.

‍No Guarantee Policy

‍While Paybar has successfully assisted clients in releasing $1M+ in held funds, past performance does not guarantee future results. Each case is evaluated independently. No assurance is made regarding:
- Timing of fund release
- Approval outcomes
- Account reinstatement
- Reduction of reserves or holds
- Engaging Paybar does not guarantee a specific result.