Payment Terms

These Payment Terms apply when PAZA enables a payment workflow for a Brand, Creator, or other authorized user. They supplement the Terms of Service and the specific campaign, order, or transaction terms accepted by the parties.

PAZA provides software and transaction-coordination functionality. PAZA is not a bank, deposit-taking institution, money transmitter, stored-value issuer, escrow company, or peer-to-peer money-transfer service. PAZA does not offer users a deposit account or a freely transferable stored balance, and PAZA does not take legal custody of user funds. Payment processing and regulated movement of funds are performed by independent third-party payment service providers and their financial partners.

The payment provider available for a transaction may vary by country, currency, risk profile, provider eligibility, and the PAZA feature being used. The applicable provider will be identified in the payment or onboarding flow where relevant. Users may be required to accept that provider's terms and privacy notice. Nothing in these Payment Terms guarantees that a particular provider, method, currency, payout route, or country will always be available.

A provider may require a Brand or Creator to create a connected account, subaccount, merchant profile, payout profile, or similar provider-side record. The provider may require identity, business registration, beneficial-owner, sanctions, tax, banking, mobile-money, or other information and may refuse, suspend, restrict, or close access according to its rules and applicable law. PAZA may receive limited verification status and transaction information needed to operate the PAZA workflow.

A Brand must pay the amount and currency stated in the applicable campaign, order, invoice, or checkout. Initiating a payment does not by itself prove that payment succeeded. A Brand's payment obligation is treated as satisfied through the PAZA payment workflow only when the payment provider confirms successful receipt of the required amount for the applicable transaction, subject to any lawful refund, reversal, chargeback, or correction.

Where the provider supports marketplace, connected-account, split-settlement, delayed-settlement, milestone, or similar functionality, PAZA may transmit an instruction or status indicating that a transaction or milestone is eligible for settlement under the applicable campaign workflow. The payment provider retains control of the regulated custody and movement of funds and executes settlement or payout under its own rules. A displayed PAZA status such as pending, approved, released, paid, or similar is a workflow status and is subject to provider confirmation.

Unless PAZA later launches a separately regulated and expressly documented feature, PAZA does not provide users with stored-value wallets, cash balances that can be freely transferred between users, or general-purpose peer-to-peer transfers. Amounts shown in PAZA are transaction, earnings, payout, or reporting records and should not be understood as deposits held by PAZA.

PAZA may charge subscription, software, intelligence, activation, transaction-coordination, or other platform fees where they are displayed or agreed. The payment provider or financial institution may separately charge processing, payout, foreign-exchange, chargeback, refund, network, banking, or other fees. Where a provider supports split settlement, an agreed PAZA fee may be routed by the provider as part of the transaction. Applicable fees should be disclosed before or as part of the relevant transaction or written order.

Transactions may be offered in currencies supported by the applicable campaign and payment provider. If a provider, bank, card network, mobile-money service, or other financial institution converts currency, that provider determines the applicable exchange rate and may charge conversion fees. PAZA does not guarantee an exchange rate unless a written PAZA order expressly provides otherwise.

A campaign may condition settlement eligibility on completion of specified deliverables, milestones, approvals, or verification steps. PAZA may use platform records and submitted evidence to determine the workflow status under the campaign terms. This is a contractual or platform determination about the collaboration, not PAZA taking custody of money. The provider remains responsible for the regulated payment function.

Cancellation and refund eligibility depends on the applicable campaign, order, the Refund & Fulfillment Policy, provider rules, and applicable law. Where a refund is approved, PAZA may transmit the appropriate instruction or request to the provider, but the provider or originating financial institution executes the money movement. Refund timing can vary by payment method and provider.

Cardholders and other payers may have rights to challenge transactions through their financial institutions. A chargeback, reversal, return, failed debit, or other provider action may reduce or reverse a settlement. Users must cooperate with reasonable requests for transaction evidence. Chargebacks must not be used fraudulently to avoid a legitimate payment obligation. PAZA cannot guarantee recovery of funds after a bank, network, provider, or other financial institution makes a final determination.

A dispute about whether a Creator completed a campaign is distinct from a processor dispute about whether a payment was authorized, processed, or reversed. PAZA may assist with the campaign dispute using platform records and evidence. The payment provider, card network, bank, mobile-money operator, or other financial institution controls payment disputes within its jurisdiction. A PAZA campaign decision cannot override a mandatory provider or financial-institution process.

A payment provider may delay, reserve, restrict, investigate, or decline a transaction or payout for fraud, sanctions, KYC/KYB, chargeback, compliance, banking, network, or other reasons permitted by its agreement or law. PAZA may disable or pause payment functionality when required by a provider or when reasonably necessary to prevent fraud, comply with law, or protect users. PAZA will not represent a provider-mandated restriction as money being held by PAZA.

Payments may not be used for unlawful or prohibited transactions, money laundering, sanctions evasion, fraudulent schemes, unlicensed financial services, unsupported escrow or stored-value activity, or other activity prohibited by the Acceptable Use Policy, the provider's rules, card-network rules, or applicable law.

For Brand-Creator collaborations, the Creator is generally the supplier of the Creator services and the Brand is generally the purchaser of those services. PAZA separately supplies PAZA's software, intelligence, activation, or other services. Each party is responsible for its invoices, registrations, income taxes, VAT/sales taxes, withholding, reporting, and other tax obligations, except where applicable law requires PAZA, the Brand, or a payment provider to collect, report, or withhold an amount. PAZA does not provide tax advice.

PAZA is not a shipping company, warehouse, fulfillment center, or logistics provider. If a Brand supplies samples, merchandise, rewards, prizes, or other physical goods to a Creator or participant, the Brand or its designated fulfillment provider is responsible for shipping, customs, product safety, delivery, returns, and related obligations unless a separate written PAZA agreement expressly states otherwise.

Payment information is processed in accordance with the Privacy Policy and the applicable payment provider's privacy and security terms. PAZA does not intentionally store full card numbers when payment entry is hosted or tokenized by a provider. Users must keep payment credentials and payout-account access secure and promptly report unauthorized activity.

Users must promptly report suspected duplicate, incorrect, missing, or misdirected transactions. PAZA may compare platform records with provider records to help reconcile an issue. Corrections remain subject to provider capabilities, applicable law, and the rights of other parties to the transaction.

PAZA may add, replace, or remove payment providers, methods, currencies, and payment features where necessary for reliability, compliance, geography, or product design. Material changes to these Payment Terms will be reflected by an updated effective date and additional notice where required.

The PAZA platform contracting entity is Paza Social, Inc., a Delaware corporation. PAZA is not the regulated payment entity merely because a payment is initiated from the PAZA interface. The applicable licensed third-party payment service provider is identified in the relevant provider onboarding, checkout, or payment flow. Contact PAZA at legal@paza.social for platform payment questions.