Terms of Service
Effective September 14, 2026
1. Using Paywalla
Paywalla helps organizations collect payments from multiple people toward a single purchase. Each participant pays the organization directly through Stripe; Paywalla never holds customer funds. By creating a checkout or paying a share, you agree to these terms and to Stripe's applicable terms.
2. Organizations
Organizations are the merchant of record for every charge. They are responsible for the goods or services offered, fulfillment, refunds, customer support, and accurate checkout details (total, deadline, and participant assignments). Paywalla is a payment-orchestration tool, not a party to the transaction between an organization and its participants.
3. Participants
Participants pay only their assigned share and receive a secure, one-time payment link. No account is required. By paying, a participant authorizes the charge to the organization's Stripe account for the amount shown.
4. Platform fee
Paywalla collects a small percentage of each successful payment as a platform fee, deducted at the time of payment. Stripe's processing fees are separate and are the responsibility of the organization. The applicable fee rate is shown to the organization before a checkout is published. Platform fees are non-refundable: if an organization issues a partial or full refund to a participant, Paywalla does not return the platform fee it collected on that payment.
5. Refunds and disputes
Refunds are issued at the organization's discretion and governed by its refund terms, which are shown on each checkout. An organization may issue full or partial refunds; because platform fees are non-refundable, the organization is responsible for the difference between the amount returned to the participant and any fee Paywalla retains. Chargebacks and disputes are handled through Stripe and the participant's card issuer. Paywalla may assist organizations in responding to disputes but is not liable for their outcome.
6. Acceptable use
You may not use Paywalla for unlawful, fraudulent, or prohibited activity, or in a manner that violates Stripe's restricted-business list. Without limiting the foregoing, you may not use Paywalla to operate or promote pyramid schemes, Ponzi schemes, or any arrangement in which returns depend primarily on recruiting new participants rather than the sale of goods or services; to offer, sell, or solicit investments, shares, securities, or fractional ownership in any company, asset, or venture unless you are properly licensed and registered to do so in the jurisdictions where you operate; to launder money or facilitate any activity designed to conceal the origin of illicit funds; to engage in fraudulent, deceptive, or misleading practices, including misrepresenting a checkout's purpose, total, or refund terms; or to collect payment for any activity that is illegal where the organization or any participant is located. Organizations must provide accurate information and may not misuse participant contact details. If you become aware of any organization or checkout that may violate these terms, you may report it to us through the contact form on our Support page. We may suspend or terminate access for any organization, checkout, or account engaged in abuse or suspected violations, and we may cooperate with Stripe, card networks, and legal authorities in connection with any investigation.
7. Limitation of liability
Paywalla is provided on an "as is" basis. To the fullest extent permitted by law, Paywalla is not liable for indirect, incidental, or consequential damages, or for the actions, fulfillment, or failures of any organization or participant using the platform.
8. AI and connected clients
Paywalla offers an MCP (Model Context Protocol) server that lets AI assistants and other connected clients create and publish checkouts on behalf of an organization owner who has authorized the connection through their Paywalla session. The organization owner is fully responsible for any checkout an authorized AI client creates, including the accuracy of every detail and the emails Paywalla sends to the organizer and participants. Authorizing a client grants it the ability to check readiness and create live checkouts until access is revoked; you can disconnect a client at any time from your Paywalla settings. Paywalla is not liable for errors, misuse, or unintended checkouts caused by an AI client acting on your authorization.
9. Changes to these terms
We may update these terms from time to time. Material changes will be posted on this page with an updated effective date. Continued use after changes takes effect constitutes acceptance.
Questions about these terms? Contact support@paywalla.co.