Terms of Service

Effective Date: August 16, 2026 | Version 2026.1

NON-CUSTODIAL PLATFORM NOTICE: ePayUs operates strictly as a software connector and workflow automation tool between third-party processors (e.g., Stripe, PayPal), banks, and accounting ledgers (e.g., Xero, Intuit QuickBooks). ePayUs is not a bank, depository institution, money transmitter, or licensed public accounting firm.

1. Acceptance of Terms & Governance

These Terms of Service (“Terms”) constitute a legally binding agreement between ePayUs, Inc. (“ePayUs”, “we”, “us”, or “our”) and the subscriber, agency, or individual accessing the services at e-payus.com (the “Platform”). By connecting third-party platforms via OAuth, printing deposit slips, or synchronizing financial metadata, you agree to these Terms.

2. Architecture & Scope of Services

  • Non-Custodial Architecture: ePayUs never takes custody of, pools, intercepts, or holds user funds. Payment rails run directly via connected merchant accounts or bank deposits.
  • Ledger Synchronization: We interface with authorized general ledgers to categorize sales, separate processing fees, and assist in daily zero-balance reconciliation.
  • No Accounting or Legal Advice: Automated workflows do not constitute certified audits, tax preparation, or formal CPA services. Users are solely responsible for reviewing reconciled entries.

3. Check Processing & Deposit Slip Compliance

Features concerning check drafting, deposit slip generation, and ACH file preparation comply with US Check 21 Act standards, UCC Articles 3 & 4, and NACHA rules:

  • Payer Authorization: You certify and warrant that you hold valid, documented authorization for every check, draft, or deposit slip processed and will retain proof of such records for at least two (2) years.
  • Deposit Slips: Slips generated by the Platform are administrative summaries designed to assist banking workflows. You remain responsible for physical cash and check counts prior to bank presentation.
  • ACH Export Formats: Exported NACHA-compatible batch files must strictly adhere to NACHA guidelines and applicable AML/OFAC regulations.

4. Multi-Tenant Accounts (Agencies & CPA Firms)

Agencies utilizing the Partner Hub or managing multiple client entities warrant that they possess legal authorization to access and adjust client data across linked ledgers and payment rails, accepting responsibility for invited team members.

5. Subscription Tiers & Billing

Tier Monthly Rate Annual Rate Scope
Starter $49/mo $39/mo ($468/yr) Up to 150 tx/mo, 1 Ledger connection
Growth $89/mo $69/mo ($828/yr) Up to 750 tx/mo, ACH files, hourly sync
Agency Hub $199/mo Wholesale Includes 5 client organizations (+$29/mo per additional seat)

6. Data Ownership & “No Lock-In” Policy

Subscribers retain full, perpetual ownership of their business financial records. Upon termination of service, ePayUs disconnects API credentials without locking or altering transactions previously written to your third-party accounting ledger.

7. Limitation of Liability & Governing Law

To the maximum extent permitted by applicable law, ePayUs shall not be liable for indirect, incidental, or consequential damages (including tax penalties or bank fees). Our aggregate liability shall not exceed the total fees paid by Subscriber in the three (3) months preceding the incident. These Terms are governed by the laws of the State of Delaware, with disputes resolved via confidential individual arbitration under AAA rules.