Last Updated: 10/18/2026

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

These Terms govern your access to and use of the YapPay website located at yappay.app, affiliated websites, software, merchant portals, payment processing solutions, access to third-party banking and financial services made available through YapPay, applications, and any other products or services we make available or facilitate access to (collectively, the “Services”).

• Payment processing

• Payment gateways

• Virtual terminals

• Payment links

• Merchant accounts

• Cash discounting programs

• Cryptocurrency payment acceptance and related digital-asset services for approved merchants

• Access to Netevia Banking Services

• ACH payment services

• Eligible ACH and wire-transfer capabilities through applicable providers

• Eligible business debit-card services through applicable providers

• 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

YapPay makes payment processing services available to eligible businesses through its technology, white-label programs, and relationships with registered Independent Sales Organizations, acquiring banks, sponsoring financial institutions, processors, gateways, and other authorized payment partners.

Depending on the merchant’s approved configuration, services may include card acceptance, payment gateways, virtual terminals, hosted checkout, payment links, recurring billing, tokenization, and ACH payment acceptance.

Approval, pricing, processing limits, funding, settlement, reserves, and service availability are governed by the merchant’s applicable agreements and are subject to underwriting, compliance review, geographic eligibility, card network rules, and applicable provider requirements.

Merchants are responsible for reviewing and complying with their merchant processing agreements, pricing schedules, operating requirements, and applicable disclosures. Features described on our websites are available only where supported and enabled for the merchant’s account.

5A. YapPay Crypto

Service Scope and Availability

YapPay Crypto enables approved merchants to accept supported cryptocurrency payments through YapPay’s applications, payment interfaces, and APIs.

Depending on the merchant’s approved configuration, services may include conversion into supported fiat currencies, cryptocurrency balances, and settlement to an approved bank account or cryptocurrency wallet.

Services are provided through YapPay’s technology and applicable digital-asset, conversion, custody, and settlement providers. Availability depends on merchant approval, jurisdiction, supported assets and networks, and the capabilities enabled for the merchant’s account.

Merchant Approval and Compliance

Merchants must complete applicable identity, business, ownership, and compliance verification and provide accurate, current information. Additional documentation or verification may be required during the relationship.

Transactions and wallet addresses may be screened for sanctions, fraud, money laundering, and other compliance risks. Payments, conversions, withdrawals, refunds, or settlements may be delayed, restricted, declined, or held where required by applicable law, compliance review, or governing service agreements.

Payment Instructions and Confirmation

Customers must follow the instructions displayed for each transaction, including the cryptocurrency, network, destination address, required amount, and expiration time.

Sending an unsupported asset, using an incorrect network or address, or sending funds after expiration may result in a delayed, uncredited, or unrecoverable payment. Recovery is not guaranteed and, where available, may involve additional verification and disclosed fees.

A submitted transaction, blockchain transaction identifier, or initial payment notification does not by itself establish that a payment is complete. Merchants must verify the payment’s final successful status through YapPay’s authenticated systems before fulfilling an order.

Quotes, Fees, Conversion, and Settlement

Exchange-rate quotes apply only for the period and conditions shown. Expired quotes may require a new quote.

Conversion and settlement amounts depend on the applicable transaction terms, exchange rates, processing fees, network fees, and the merchant’s agreed pricing. Cryptocurrency values may fluctuate, affecting the value of balances held in cryptocurrency.

Settlement schedules, minimum amounts, supported currencies, and withdrawal conditions depend on the merchant’s approved configuration and applicable agreements. Blockchain congestion, banking schedules, technical interruptions, and compliance reviews may affect completion times.

Payment Exceptions and Refunds

Underpayments, overpayments, and late payments are handled according to the transaction status, enabled service capabilities, and applicable merchant procedures. They may require additional payment, merchant acceptance, a refund, or further review.

Cryptocurrency transfers generally cannot be reversed through the blockchain after confirmation. A refund, where available, is a separate transaction subject to eligibility, available funds, supported assets and networks, verification, and applicable fees.

A payment that has already been converted or settled may require a separate purchase or transfer of cryptocurrency to return value to the customer. Exchange-rate movements and fees may cause the cryptocurrency amount returned to differ from the amount originally sent.

Merchants remain responsible for their customer-facing cancellation, return, and refund policies, subject to applicable law.

Wallets, Custody, and Security

Where cryptocurrency holding or wallet functionality is enabled, custody, private-key control, withdrawal rights, and access conditions are governed by the applicable service agreements.

Access through a YapPay interface does not by itself establish that a wallet is self-custodial or that private keys can be exported.

Merchants must protect their account credentials and API keys, verify settlement destinations, restrict access to authorized users, and promptly report suspected compromise.

Sandbox and Production Access

Sandbox environments are provided for development and testing. Simulated balances and transactions have no monetary value and do not represent actual payments or settlement.

Sandbox access does not constitute production approval. Production use requires separate activation, appropriate credentials, and completion of applicable onboarding and verification requirements.

Additional Agreements

YapPay Crypto may be subject to a separate merchant agreement, pricing schedule, acceptable-use requirements, privacy disclosures, and applicable provider terms. Mandatory provider identification or disclosures may appear where required.

If these general Terms conflict with a service-specific agreement, the service-specific agreement governs that service to the extent of the conflict.

5B. Access to Business Banking Services

YapPay provides access to Netevia Banking Services as an Authorized Certified Banking Agent of Netevia.

Banking products and services are provided by or through the applicable banking and financial-services providers identified in the governing account agreements and disclosures. Depending on eligibility and the applicable program, available features may include business accounts, ACH transfers, wire transfers, and business debit cards.

YapPay is not a bank, does not accept deposits, does not itself provide deposit accounts or banking services, and is not itself an FDIC-insured depository institution.

Deposit insurance, where applicable, is subject to the terms, conditions, limitations, and disclosures of the applicable banking program and depository institution. Cryptocurrency assets are not bank deposits and are not covered by FDIC deposit insurance.

Approval, account access, transaction limits, funds availability, fees, and other program features are subject to separate eligibility requirements, compliance review, geographic availability, provider policies, and applicable account agreements.

The applicable banking provider’s agreements and disclosures govern the banking relationship. YapPay’s general Terms do not replace or modify those agreements.

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 and Arbitration

Informal Resolution

Before initiating arbitration or other formal proceedings, you and YapPay agree to make a good-faith effort to resolve any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Services, or your relationship with YapPay.

A party seeking to initiate a dispute should provide the other party with written notice describing the nature of the dispute and the relief requested. The parties will have thirty (30) days from receipt of the notice to attempt to resolve the dispute informally before commencing arbitration, unless applicable law requires otherwise.

Binding Arbitration

Except for matters expressly excluded below, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between you and YapPay that cannot be resolved informally shall be resolved through binding individual arbitration administered by the American Arbitration Association ("AAA") in accordance with the applicable AAA rules and procedures.

The arbitrator shall have authority to award any remedy or relief that would otherwise be available to the parties individually under applicable law, subject to the limitations contained in these Terms.

Arbitration may be conducted by telephone, videoconference, written submissions, in person, or through another method permitted by the applicable AAA rules or agreed upon by the parties.

Individual Proceedings and Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND YAPPAY AGREE THAT ANY DISPUTE OR CLAIM SHALL BE BROUGHT AND RESOLVED ONLY ON AN INDIVIDUAL BASIS.

YOU AND YAPPAY WAIVE ANY RIGHT TO BRING, PARTICIPATE IN, OR HAVE A CLAIM RESOLVED AS PART OF A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING.

Unless both parties agree otherwise in writing, the arbitrator may not consolidate the claims of more than one person or entity or otherwise preside over any form of class, collective, consolidated, or representative proceeding.

Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND YAPPAY EACH WAIVE THE RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE SUBJECT TO THIS ARBITRATION AGREEMENT.

Exceptions

Nothing in this Section prevents either party from:

• Bringing an eligible individual claim in small claims court;

• Seeking temporary, preliminary, or other appropriate injunctive or equitable relief from a court of competent jurisdiction to protect intellectual property rights, confidential information, data, systems, security, or prevent unauthorized use or access; or

• Pursuing any remedy that applicable law expressly prohibits from being subject to mandatory arbitration.

Governing Law and Location

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law principles, except to the extent superseded by applicable federal law.

Unless otherwise required by applicable law or the applicable AAA rules, any in-person arbitration shall take place in Wyoming or at another location mutually agreed upon by the parties.

Arbitration Costs

Payment of filing, administrative, and arbitrator fees shall be governed by the applicable AAA rules and applicable law.

Each party shall otherwise be responsible for its own attorneys' fees and costs unless the arbitrator determines that applicable law, these Terms, or another enforceable agreement authorizes an award of attorneys' fees or costs.

Severability

If any portion of this Section 16 is determined to be invalid, illegal, or unenforceable, that portion shall be severed or limited to the minimum extent necessary, and the remaining provisions shall continue in full force and effect, except where applicable law requires a different result.

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 and any other YapPay agreements, disclosures, or terms expressly incorporated by reference, constitute the agreement between you and YapPay regarding your use of the applicable YapPay Services and supersede prior or contemporaneous communications, negotiations, representations, and agreements between you and YapPay concerning those Services.

Certain payment processing, Netevia Banking Services, banking, technology, and other third-party products or services are governed by separate agreements, disclosures, privacy policies, and terms issued by the applicable third-party provider. Those third-party agreements govern your relationship with the applicable provider and are not modified or superseded by these Terms unless expressly stated otherwise.

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

YapPay provides access to Netevia Banking Services as an Authorized Certified Banking Agent of Netevia. YapPay is not a bank and does not itself provide deposit accounts or banking services. Banking products and services are provided through Netevia and its applicable banking partners and are subject to separate terms, disclosures, eligibility requirements, and account agreements.

Payment processing services are provided through applicable registered Independent Sales Organizations, acquiring banks, sponsoring financial institutions, processors, gateways, and other authorized payment-processing partners. Approval and availability are subject to underwriting, eligibility requirements, applicable agreements, and provider policies.