Terms of Service
Last updated on publication. These terms govern use of the MaxRail platform by merchants.
1. Who we are
MaxRail is operated by MaxRail LLC (“MaxRail”, “we”). We provide payment orchestration: routing transactions across payment rails supplied by third-party processors, acquirers and networks. We are not a bank. Depending on the rail, funds may be processed and settled by a third party under its own agreement with you.
2. Eligibility and onboarding
Accounts are granted at our discretion following screening described in our compliance programme. You must provide accurate business, ownership and banking information, and keep it current. You must comply with our acceptable use policy, which forms part of these terms.
3. Your obligations
- Describe your products and business accurately to us, to your customers, and to any processor in the chain.
- Comply with all applicable law in every jurisdiction you sell to, including licensing, labelling and advertising rules.
- Maintain the controls represented at onboarding, including any purchase restrictions enforced server-side.
- Notify us before materially changing what you sell or how you describe it.
- Comply with PCI DSS as applicable, and never transmit or store card data outside an approved provider frame.
- Honour your published refund and shipping policies.
4. Fees
Fees are set out in your account agreement and may include a platform fee, per-transaction processing fees, and pass-through network costs. Fees for existing accounts change only on written notice.
5. Settlement, reserves and chargebacks
Settlement timing depends on the rail and on account risk. Where a reserve applies, the percentage and hold period are stated in writing before the account goes live. You are responsible for chargebacks, refunds, fines and network assessments arising from your transactions, and you authorise us to recover these from settlement funds or the reserve. Where recovery is not possible, the amounts remain payable by you.
6. Suspension and termination
We may suspend or terminate processing, immediately where required by law, a network, or a processor in the chain, or where a blocking compliance finding arises. Where the reason is remediable we will tell you what it is and what would resolve it. On termination, funds are settled subject to reserve and chargeback exposure, and we will state the hold period. Either party may terminate for convenience on notice as set out in your account agreement.
7. Third-party rails
Rails are provided by third parties. Their availability, pricing and acceptance criteria are theirs, not ours, and can change without our consent. We do not guarantee that any particular rail will remain available to your account. Our commitment is to route to the rails available to you and to tell you when one is withdrawn.
8. Disclaimers and limitation of liability
The platform is provided as-is to the extent permitted by law. We are not liable for indirect, incidental or consequential loss, including lost profits, and our aggregate liability is limited to the fees you paid us in the three months preceding the claim. Nothing in these terms excludes liability that cannot lawfully be excluded.
9. Indemnity
You indemnify us against claims, fines and costs arising from your products, your customers, your breach of these terms or the acceptable use policy, or your misdescription of your business.
10. Changes
We may update these terms. Material changes are notified to merchants in advance, and continued use after the effective date constitutes acceptance.