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Terms of Service

Last updated: February 23, 2026

1. Agreement to Terms

By accessing or using PebblePay (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. PebblePay operates as a Merchant of Record ("MoR"), meaning we are the legal seller of digital products on behalf of our sellers. We handle payment processing, tax collection and remittance, compliance obligations, and dispute resolution.

2. Definitions

  • "Seller" refers to any individual or entity that creates an account on PebblePay and lists digital products for sale.
  • "Buyer" refers to any end customer purchasing digital products through the Platform.
  • "Merchant of Record" means PebblePay acts as the legal entity processing the transaction, responsible for tax compliance and payment handling.
  • "Digital Products" means downloadable or electronically delivered goods, including but not limited to software, e-books, courses, templates, music, and digital art.
  • "Payout" refers to the transfer of earned revenue (minus applicable fees) from PebblePay to the Seller.

3. Merchant of Record

As the Merchant of Record, PebblePay is the entity of record on all buyer transactions. This means:

  • PebblePay appears on buyer bank/credit card statements.
  • PebblePay is responsible for collecting and remitting applicable sales tax, VAT, and GST on behalf of sellers.
  • PebblePay manages payment disputes, chargebacks, and refunds.
  • Sellers receive payouts from PebblePay, net of fees and any applicable taxes or reserves.

4. Seller Eligibility

To become a Seller, you must meet the following criteria:

  • Be at least 18 years of age or the age of majority in your jurisdiction.
  • Provide accurate and complete information during the application process.
  • Meet our minimum monthly revenue threshold of $5,000 USD (or equivalent).
  • Only sell digital products that comply with our Acceptable Use Policy.
  • Provide a valid cryptocurrency wallet address for payouts.

5. Prohibited Content

Sellers may not list, distribute, or sell the following through PebblePay:

  • Illegal content or products that violate applicable laws in any jurisdiction.
  • Content that infringes on third-party intellectual property rights.
  • Malware, exploits, hacking tools, or any software designed to cause harm.
  • Content involving the exploitation of minors.
  • Fraudulent or misleading products (e.g., fake reviews, counterfeit goods).
  • Products facilitating illegal gambling or unlicensed financial services.
  • Stolen, leaked, or unauthorized data or credentials.

We reserve the right to remove content and terminate accounts at our sole discretion if any products violate these guidelines.

6. Fees and Payouts

PebblePay charges a percentage-based fee on each transaction, determined by your monthly revenue tier. Current fee tiers range from 4% to 10% and are detailed on our Pricing page. Payouts are made in cryptocurrency to the wallet address provided during your application. Payout schedules, minimum thresholds, and supported networks are outlined in our documentation.

7. Tax Responsibilities

As the Merchant of Record, PebblePay handles the collection and remittance of applicable consumer sales taxes, VAT, and GST. However, Sellers are responsible for their own income tax obligations and any reporting requirements in their jurisdiction. PebblePay does not provide tax advice. We recommend consulting a tax professional regarding your specific obligations.

8. Chargebacks and Disputes

PebblePay manages payment disputes and chargebacks on behalf of Sellers. If a buyer files a dispute, PebblePay will attempt to resolve it. If a chargeback is initiated, the disputed amount may be deducted from pending payouts. Excessive chargebacks (above 1% of transactions) may result in account review, increased reserves, or termination.

9. Payment Card Industry (PCI) Compliance

PebblePay is committed to maintaining the highest standards of payment security in accordance with the Payment Card Industry Data Security Standard (PCI DSS). As a Seller on our Platform, you acknowledge and agree to the following:

  • No Cardholder Data Storage: PebblePay does not store, process, or transmit full cardholder data (including full PAN, CVV/CVC, or PIN data) on its servers. All payment card processing is handled by PCI DSS Level 1 certified payment processors.
  • Tokenization: Payment card data is tokenized at the point of capture and only secure tokens are used for transaction processing.
  • Secure Transmission: All payment data is transmitted using TLS 1.2 or higher encryption protocols.
  • Seller Obligations: Sellers must not request, collect, store, or process cardholder data directly. All payment collection must occur through PebblePay's secure checkout system.
  • Third-Party Compliance: Our payment processing partners maintain PCI DSS Level 1 certification, the highest level of compliance, and undergo annual third-party audits.
  • Security Incident Reporting: Any suspected security incident involving payment data must be reported immediately to PebblePay support.

Violation of PCI DSS requirements, including unauthorized handling of cardholder data, may result in immediate account termination and potential legal liability.

10. Data Retention and Legal Requirements

PebblePay is a UK-registered company. Under UK law (Companies Act 2006 and HMRC requirements), we are legally required to retain certain records for specified periods:

  • Accounting Records (6 Years Minimum): Sales records, invoices, transaction amounts, payout calculations, seller balances, refund records, and chargeback records must be retained for at least 6 years from the end of the financial year they relate to.
  • Tax Records (6 Years): VAT, sales tax, and other tax-related documentation as required by HMRC.
  • KYC/AML Records (5 Years): Identity verification and due diligence records must be retained for 5 years after the business relationship ends.

By using the Platform, you acknowledge that we will retain your transaction and financial data for these legally mandated periods, even after account closure. Full details are provided in our Privacy Policy.

11. Account Termination

PebblePay reserves the right to suspend or terminate any account that violates these Terms, engages in fraudulent activity, accumulates excessive chargebacks, or sells prohibited content. Upon termination, any pending payouts will be held for a minimum of 90 days to cover potential chargebacks or disputes.

12. Limitation of Liability

PebblePay is provided "as is" without warranties of any kind. To the maximum extent permitted by law, PebblePay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of revenue, data, or business opportunity.

13. Modifications to Terms

We may update these Terms at any time. Material changes will be communicated via email or Platform notification at least 30 days before taking effect. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

14. Contact

Questions about these Terms can be directed to our support team.