Terms of Service

Last updated · 23 April 2026

Plain-English summary: If you sign up as an operator, these terms govern the use of PayLoop's ordering, payment, and loyalty platform. The formal pricing (including the Year 1 free offer) and the Service Level commitments are incorporated by reference from the Pricing page and individual order forms. Written to be readable, not to bury anything.

1. Parties and agreement

These Terms of Service ("Terms") form a binding agreement between PayLoop ("PayLoop", "we", "us") and the entity or person accepting these Terms ("Operator", "you"). By signing a PayLoop order form, using the PayLoop platform, or checking an acceptance box during sign-up, you confirm you are authorised to bind your business and agree to these Terms.

2. The service

PayLoop provides a cloud-based platform comprising:

Self-service ordering (QR-linked menus, item selection, bill split)
Payment processing (via our PCI-DSS compliant payment processor — currently Paymob in the UAE)
Closed-loop cashback loyalty
Operator dashboard, CRM, and reporting
Integration with your existing POS, where supported

Exact features available to your account are set out in your order form. Features may evolve over time — we'll notify you in advance of any material removal of functionality.

3. Account setup and eligibility

You represent that you operate a legally registered food & beverage business in a jurisdiction where PayLoop operates, and that you have all licences and permits required to sell food, beverages, and accept card payments in that jurisdiction. You are responsible for keeping your account credentials secure.

4. Fees and billing

Platform fees are as published on the Pricing page at the time of your sign-up, or as set out in an individual order form. In summary:

Year 1 (founding partners): 0% platform fee.
Year 2 (founding partners, if continued): 0.50% per transaction.
Standard: 1% per transaction.
Payment gateway fees (currently 1.75% + AED 0.50 per transaction) are pass-through to the payment processor and are not retained by PayLoop.

We do not charge setup fees, hardware fees, monthly minimums, or per-seat charges. Fees are calculated monthly in arrears based on transactions processed through the platform.

5. Settlement

Payments from guests are settled to your designated business account by our payment processor, typically within 1–2 business days of the transaction, subject to the processor's terms. Platform fees (when applicable) are invoiced separately and are not deducted from settlement at source.

6. Acceptable use

You agree not to:

Use PayLoop to process transactions for goods or services other than legitimate F&B sales at your licensed venue(s)
Misrepresent cashback amounts or loyalty rewards to your guests
Reverse-engineer, resell, or white-label the PayLoop platform to third parties without a written reseller agreement
Use PayLoop to process fraudulent, illegal, or prohibited transactions
Circumvent the platform fee structure (e.g. by splitting transactions)

7. Your data

Transaction records, customer profiles built via PayLoop, and your menu data remain your data. We act as a processor; you are the controller. See our Privacy Policy for details on how data is handled.

On termination, you may export your data in a standard format (CSV or JSON) at any point up to 90 days after account closure. After that, we may retain anonymised aggregates for analytics but will delete identifiable data, subject to legal retention requirements (see Privacy Policy, section 7).

8. Intellectual property

PayLoop retains ownership of the platform, software, design, and branding. You retain ownership of your menus, trademarks, photography, and operator-uploaded content. You grant PayLoop a non-exclusive licence to display this content solely to run the service for you.

9. Service availability

We aim for 99.9% uptime on a rolling monthly basis, measured at the platform API level. Planned maintenance is announced at least 48 hours in advance where practicable. Unplanned outages longer than one hour will be followed by a post-mortem shared with affected operators within 5 business days.

10. Termination

Either party may terminate with 30 days' written notice. We may suspend or terminate immediately for non-payment, material breach, or unlawful use.

If you terminate during the Year 1 free period, no clawback applies — no fees, no penalty. You may download your data as described in section 7.

11. Warranties and disclaimers

We provide the service with reasonable skill and care, consistent with industry standards for cloud F&B platforms. To the extent permitted by law, the service is provided "as is" without other warranties, and we disclaim implied warranties of merchantability or fitness for a particular purpose.

12. Limitation of liability

To the extent permitted by law, neither party is liable for indirect, incidental, or consequential damages (including lost profits, lost revenue, or loss of goodwill). Our total liability in any 12-month period is capped at the platform fees paid by you to us in that period (or, if Year 1 is free, at AED 10,000). Nothing in these Terms limits liability for fraud, wilful misconduct, or any other liability that cannot be limited by law.

13. Indemnity

You will indemnify us for third-party claims arising from your breach of these Terms, your menu content, or your handling of guest disputes relating to the quality of food or service (for which you, not PayLoop, are responsible).

14. Governing law and jurisdiction

These Terms are governed by the laws of the United Arab Emirates. Disputes will be resolved in the courts of Dubai, subject to first attempting good-faith negotiation between the parties for 30 days.

15. Changes to terms

We may update these Terms. Material changes will be notified to you via email to your registered operator email at least 30 days before taking effect. Continued use of the service after the effective date constitutes acceptance.

16. Contact

Anything contractual: info@pay-loop.io.

Draft notice: These Terms are a reasonable starting point grounded in PayLoop's actual commercial model and UAE operations. Please have them reviewed by a qualified UAE commercial lawyer before publishing against your production DNS.