Last Updated: 07/20/2026

Welcome to YapPay®.

YapPay® is a registered trademark of Dubau Ventures, LLC. Throughout these Terms & Conditions ("Terms"), "YapPay," "we," "our," or "us" refers to YapPay®, its websites, applications, products, and services.

These Terms govern your access to and use of the YapPay website located at https://yappay.app, affiliated websites, software, merchant portals, payment processing services, business banking solutions, applications, and any other products or services we make available (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must discontinue use of the Services.

1. Eligibility

You must be at least eighteen (18) years of age and legally capable of entering into a binding agreement to use our Services.

By using our Services, you represent and warrant that you satisfy these eligibility requirements.

2. Changes to These Terms

We may update these Terms at any time.

Changes become effective immediately upon posting unless otherwise stated.

Your continued use of the Services after any revisions are posted constitutes your acceptance of the updated Terms.

3. Accounts and Security

Certain Services require registration or account creation.

You agree to:

• Provide accurate, complete, and current information.

• Maintain the confidentiality of your login credentials.

• Notify us immediately of any unauthorized access to your account.

• Accept responsibility for all activity occurring under your account.

We reserve the right to suspend, restrict, or terminate accounts that violate these Terms or present security, compliance, or operational concerns.

4. Our Services

YapPay provides financial technology solutions that may include:

• Payment processing

• Payment gateways

• Virtual terminals

• Payment links

• Merchant accounts

• Cash discounting programs

• Business banking solutions

• Business checking accounts

• ACH services

• Domestic and international wire transfers

• Debit card services

• Embedded financial services

• Business management tools

• Payment integrations

• Developer APIs

Not every Service is available to every merchant.

Availability depends on underwriting, risk approval, geographic location, banking partner requirements, card brand rules, and applicable laws and regulations.

5. Payment Processing and Business Banking

YapPay partners with registered Independent Sales Organizations, acquiring banks, financial institutions, payment gateways, and technology providers.

Payment processing services and business banking products are provided through authorized third party financial institutions and sponsoring banks.

Business banking products are offered through YapPay Financial Powered by Netevia Banking Services and other authorized financial institution partners.

YapPay is not a bank, does not accept deposits, and does not provide FDIC insurance.

Approval for payment processing and banking services is subject to underwriting, eligibility requirements, and the policies of our financial institution partners.

6. Intellectual Property

All content available through our Services, including text, graphics, logos, icons, software, designs, videos, trademarks, service marks, and other materials, is owned by YapPay or its licensors and is protected by applicable intellectual property laws.

YapPay® is a registered trademark of Dubau Ventures, LLC.

Nothing contained within our Services grants any license or right to use our trademarks, branding, or intellectual property without our prior written consent.

7. Acceptable Use

You agree to use our Services only for lawful purposes.

You may not:

• Violate any applicable law or regulation.

• Submit false or misleading information.

• Attempt unauthorized access to any system or account.

• Introduce malware, viruses, or harmful code.

• Interfere with the operation or security of our Services.

• Transmit spam or unsolicited communications.

• Misrepresent your identity or business.

• Use the Services for fraudulent, deceptive, or illegal activities.

8. Prohibited Businesses

Our Services may not be used for businesses or activities prohibited by applicable law, card network rules, sponsoring financial institutions, or underwriting policies.

Examples include:

• Illegal drugs

• Illegal gambling

• Fraudulent investment programs

• Money laundering

• Counterfeit goods

• Human trafficking

• Certain firearms businesses

• Unauthorized adult content

• Businesses prohibited by Visa, Mastercard, Discover, American Express, NACHA, or our financial institution partners

Approval decisions remain subject to underwriting.

9. PCI DSS Compliance

Merchants are solely responsible for maintaining compliance with the Payment Card Industry Data Security Standard (PCI DSS) and any other applicable security requirements.

YapPay may provide educational resources or compliance tools but does not certify or guarantee merchant compliance.

10. User Content

If you submit reviews, testimonials, comments, documents, images, or other materials through our Services, you grant YapPay a worldwide, non exclusive, royalty free license to use, reproduce, display, publish, and distribute such content solely for operating, improving, and promoting our Services.

You represent that you have the legal right to submit such content.

11. Third Party Services

Our Services may integrate with third party providers including payment gateways, financial institutions, banking partners, software vendors, CRM platforms, accounting systems, and other business applications.

YapPay is not responsible for the availability, security, accuracy, or content of third party services.

Your use of those services is governed by their respective agreements and privacy policies.

12. Disclaimer of Warranties

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, YapPay disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non infringement, and uninterrupted availability.

We do not guarantee that the Services will always be available, secure, or error free.

13. Limitation of Liability

To the fullest extent permitted by law, YapPay, Dubau Ventures, LLC, its affiliates, officers, employees, contractors, licensors, processors, banking partners, and sponsoring financial institutions shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising from or related to your use of the Services.

Our maximum liability for any claim shall not exceed the amount paid directly to YapPay for the specific Service giving rise to the claim during the twelve (12) months immediately preceding the event.

14. Indemnification

You agree to defend, indemnify, and hold harmless YapPay, Dubau Ventures, LLC, its affiliates, officers, employees, contractors, licensors, processors, banking partners, sponsoring financial institutions, and agents from any claims, liabilities, losses, damages, costs, or expenses, including reasonable attorneys' fees, arising from:

• Your use of the Services.

• Your violation of these Terms.

• Your violation of applicable law.

• Your infringement of any third party rights.

15. Governing Law

These Terms are governed by and interpreted under the laws of the State of Wyoming without regard to conflict of law principles.

16. Dispute Resolution

Any dispute arising from or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association in the State of Wyoming, except where prohibited by applicable law.

To the fullest extent permitted by law, both parties waive the right to a jury trial or participation in any class action proceeding.

17. Termination

We may suspend, restrict, or terminate access to any Service at any time if:

• These Terms are violated.

• Fraudulent or suspicious activity is detected.

• Required by law or our financial institution partners.

• Continued access presents security, operational, or regulatory concerns.

Termination does not relieve either party of obligations incurred before termination.

18. Contact Information

If you have questions regarding these Terms, please contact us:

YapPay®

Email: [email protected]

Phone: (833) 992-7729

Mailing Address:
Dubau Ventures, LLC dba YapPay
1309 Coffeen Avenue, Suite 1200
Sheridan, WY 82801

Website: https://yappay.app

19. Entire Agreement

These Terms, together with our Privacy Policy, Merchant Processing Agreement, Business Banking disclosures, and any additional agreements expressly incorporated by reference, constitute the complete agreement between you and YapPay regarding your use of the Services and supersede all prior or contemporaneous communications, negotiations, and agreements relating to the Services.

YapPay® is a registered trademark of Dubau Ventures, LLC.

Business banking products are offered through YapPay Financial Powered by Netevia Banking Services and other authorized financial institution partners. YapPay is not a bank. Payment processing services are provided through registered Independent Sales Organizations, sponsoring financial institutions, and authorized payment processing partners.