Legal & compliance

Unlimited Processing provides a payment orchestration platform: software that lets merchants connect their own payment gateways and processors, route and retry transactions across them (cascading), and run hosted checkouts, subscriptions and reporting from one dashboard.

Unlimited Processing is not a bank, a payment institution, an acquirer or a payment service provider. We do not accept deposits, we never receive or hold your funds, and we do not acquire or settle transactions. Transactions are processed under the merchant accounts you hold with your own payment processors, acquiring banks and other regulated providers (“Partners”), under your own agreements with them.

Your use of each Partner remains subject to that Partner’s terms and to card network rules.

To use the Services you must be a duly registered business, authorised to carry out your activity in every country where you operate, and represented by a person with authority to bind it.

• You must provide complete, accurate and up-to-date information and documents during onboarding and whenever we request them.
• We carry out identity, business and risk checks (KYC/KYB) before and during our relationship, in line with our AML & KYC Policy.
• We may approve, limit or refuse any application at our discretion. Approval of your account does not guarantee the approval of every transaction.

You agree to:

• comply with all applicable laws, card network rules and Partner requirements;
• sell only lawful goods and services that you have described to us, and tell us before you change your business model, website or products;
• display clear prices, terms of sale, refund and delivery policies, and contact details on your website;
• never split transactions, process payments on behalf of third parties without our written consent, or submit transactions you know to be fraudulent;
• never store card security codes and keep any cardholder data you handle secure.

Unless otherwise agreed in writing, the fees for the Services depend on your plan, based on your monthly approved volume:

• Growth (up to USD 50,000 per month): USD 69 per week, plus 1% of approved volume, plus USD 0.25 per transaction;
• Scale (USD 50,000 to USD 500,000 per month): no weekly fee, 0.8% of approved volume, plus USD 0.25 per transaction;
• Enterprise (over USD 500,000 per month): pricing agreed in writing.
• The per-transaction fee applies to every payment attempt, approved or declined. A cascade (the retries of one payment across your gateways) counts as one transaction. The percentage applies to approved volume only.
• Fees charged by your Partners and by card networks are separate from ours and are billed to you directly by them.
• Our fees are exclusive of applicable taxes, including VAT. We may change our fees with at least 30 days’ prior notice.

Funds from your transactions are settled by your Partners directly to your bank account, on the schedule set out in your agreement with each Partner. Unlimited Processing never receives, holds or pays out your funds.

Payout timing, reserves and deductions applied by a Partner are governed by your agreement with that Partner. Settlement information shown in our dashboard is provided for information only.

Any reserve, payout delay or hold on your funds is decided and applied by your Partners, not by Unlimited Processing.

We may limit, suspend or block the routing of transactions through the Services where we reasonably believe there is elevated risk, for example unusual activity, suspected fraud, a material change in your business, or a legal or regulatory request.

Chargebacks, reversals and refunds are handled between you, your customers and your Partners. You are responsible for them and for any fines or assessments imposed by card networks or Partners because of your activity. The Services can help you track and respond to disputes, but we do not pay or receive chargeback or refund amounts.

You may not use the Services for any unlawful purpose, for money laundering or terrorist financing, for the benefit of sanctioned persons or jurisdictions, or for any of the prohibited activities listed in our AML & KYC Policy.

Either party may terminate the Services by written notice. We may suspend or terminate the Services with immediate effect if you breach these Terms, if required by a Partner, a card network or the law, or if your account presents an unacceptable level of risk.

Termination does not affect obligations that arose before it. Fees for transactions routed before termination remain due.

We process personal data in accordance with our Privacy Policy. Each party will keep confidential any non-public information received from the other and use it only to perform these Terms.

The Unlimited Processing name, logo, website, dashboard, API and documentation belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use them only to access the Services during our relationship.

The Services are provided with reasonable care and skill but, to the extent permitted by law, without any other warranty. We are not liable for indirect or consequential losses, loss of profit or business, or for interruptions caused by Partners, card networks, banks or events outside our reasonable control.

To the extent permitted by law, our total liability arising from or in connection with the Services is limited to the fees you paid us in the three months preceding the event giving rise to the claim.

You will indemnify us against any loss, fine, claim or expense arising from your breach of these Terms, the law or card network rules, or from the goods and services you sell.

We may update these Terms from time to time. We will notify you of material changes by email or through the dashboard. Continuing to use the Services after the changes take effect means you accept them.

These Terms are governed by the laws of [Governing jurisdiction]. Any dispute arising from or in connection with them will be submitted to the exclusive jurisdiction of the competent courts of [Governing jurisdiction], unless otherwise agreed in writing.

Questions about these Terms: hello@unlimitedprocessing.com · Telegram @unlimitedprocessing.

Depending on how you interact with us, we may collect:

• Contact data: name, email address, phone number, Telegram handle.
• Business data: company name and registration details, website, business description, processing volumes and history.
• Identity and compliance data: identity documents and details of directors and beneficial owners, proof of address, screening results.
• Financial data: bank account details for payouts, transaction records, chargeback and refund history.
• Technical data: IP address, device and browser information, log data and cookies.

Full card numbers and card security codes are processed in a PCI DSS compliant environment and sent to your Partners so they can process your transactions. We do not store card security codes. We may keep limited card information, such as the card brand, country and last four digits, to operate and support the Services.

We use personal data to:

• assess your application and open your account;
• provide, operate and support the Services, including transaction routing;
• carry out KYC/KYB, anti-money laundering, sanctions and fraud checks;
• communicate with you about your account and respond to your requests;
• meet our legal, regulatory and card network obligations;
• improve our website and Services and, with your consent where required, send you marketing communications.

We process personal data where necessary to perform our contract with you or take steps at your request before entering into it, to comply with legal obligations, for our legitimate interests (such as preventing fraud and securing our Services), or with your consent, which you may withdraw at any time.

We do not sell personal data. We share it only where necessary with:

• the payment processors, acquiring banks and card networks you connect to process your transactions;
• identity verification, sanctions screening and fraud prevention providers;
• hosting, IT and communication service providers acting on our instructions;
• professional advisers such as lawyers and auditors;
• public authorities, regulators and law enforcement where required by law.

Our Partners and service providers may process personal data outside your country. Where this happens we take appropriate measures to ensure your data remains protected, in line with applicable law.

We keep personal data only as long as needed for the purposes described above. Records required by anti-money laundering laws, including identification documents and transaction records, are kept for at least five years after the end of our business relationship, or longer where the law requires.

We use technical and organisational measures appropriate to the risk, including encryption in transit, access controls and staff confidentiality obligations. No system is completely secure, but we work to protect your data against loss, misuse and unauthorised access.

Subject to applicable law, you may request access to your personal data, its correction or deletion, the restriction of or objection to its processing, and its portability. You may also withdraw your consent at any time. Some data must be kept to meet legal obligations. To exercise your rights, contact hello@unlimitedprocessing.com. You may also lodge a complaint with the competent data protection authority.

Our website uses essential cookies to work properly. We use analytics or marketing cookies only with your consent where required. You can manage cookies in your browser settings.

Our Services are intended for businesses and are not directed at anyone under 18.

We may update this Privacy Policy and will post the new version on this page with its date. For any question about your data: hello@unlimitedprocessing.com.

This policy applies to all merchants, their directors, beneficial owners and authorised representatives, and to every transaction processed through our Services.

Before opening an account, and periodically afterwards, we collect and verify information such as:

• certificate of incorporation, trade licence and company registration documents;
• identity documents and proof of address of directors and of every beneficial owner holding 25% or more;
• a description of the business model, products, target markets and expected volumes;
• website and legal pages (terms of sale, refund and privacy policies);
• details of the processing accounts you connect and, where available, previous processing statements.

Each merchant receives a risk rating based on factors such as industry, geography, ownership structure, volumes and chargeback history. Higher-risk merchants, including high-risk verticals, politically exposed persons and links to higher-risk jurisdictions, are subject to enhanced due diligence, which may include source-of-funds information, additional documents and senior management approval.

We screen merchants, directors and beneficial owners against applicable sanctions lists, including those of the United Nations, as well as other relevant lists such as OFAC, the EU and the UK, at onboarding and on an ongoing basis. We do not do business with sanctioned persons or in comprehensively sanctioned jurisdictions.

We do not accept merchants involved in:

• illegal goods or services, illegal drugs, weapons, ammunition or explosives;
• unlicensed gambling, unlicensed financial services or money transmission;
• pyramid or Ponzi schemes and other deceptive practices;
• counterfeit goods or goods infringing intellectual property rights;
• child sexual abuse material or any illegal content;
• shell companies with no genuine activity, or any activity prohibited by card network rules or our Partners.

We monitor transactions for unusual patterns, such as sudden changes in volume, ticket size, geography or chargeback ratios, and periodically review merchant information and websites. We may request additional information at any time.

Where we suspect money laundering, terrorist financing or other financial crime, we report it to the competent authorities, including the relevant Financial Intelligence Unit, as required by law. We will not inform the merchant concerned where the law prohibits it.

We keep due diligence records and transaction data for at least five years after the end of the business relationship, or longer where the law requires.

A designated compliance officer oversees this policy. Staff receive regular training, and the policy is reviewed periodically to reflect changes in law, risk and our Partners’ requirements.

You agree to provide the information we request promptly and accurately. Failure to do so, or providing false information, may lead to the suspension or termination of the Services and, where required, to a report to the authorities. Compliance questions: hello@unlimitedprocessing.com.