Terms and Conditions
Last updated: December 21, 2025
Please read these Terms and Conditions (“Terms”) carefully before using the website www.paybypago.com (the “Website”) and any related services (the “Services”) operated by Paybypago Limited (“Paybypago”, “we”, “us”, or “our”).
By accessing or using the Website or Services, you confirm that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you must not use the Website or Services.
1. About Us
Paybypago Limited is a company incorporated under the laws of Malta and operates in accordance with applicable Maltese and European Union laws and regulations, including those applicable to financial institutions and payment service providers.Registered address: 14 Vault Valletta Waterfront, Floriana, Malta, FRN 1914
Email: info@paybypago.com
2. Scope of Services
The Website provides general information about Paybypago, its products, and its services. Nothing on this Website constitutes financial, legal, or professional advice, nor does it constitute an offer or solicitation to provide regulated services unless expressly stated.Access to certain Services may be subject to additional terms, contractual documentation, regulatory approval, and customer due diligence requirements.
3. Eligibility and Acceptable Use
You represent and warrant that:• You are at least 18 years of age and have legal capacity to enter into binding agreements
• You will use the Website and Services only for lawful purposes
• You will not misuse the Website, including attempting unauthorised access, introducing malware, or interfering with its functionality
We reserve the right to suspend or terminate access to the Website or Services where misuse or unlawful activity is suspected.
4. Regulatory and Compliance Obligations
Use of our Services is subject to applicable laws and regulations, including but not limited to anti-money laundering and counter-terrorist financing (AML/CFT) obligations, sanctions regimes, and card scheme rules.We reserve the right to request information and documentation necessary to comply with legal and regulatory requirements and may refuse, suspend, or terminate Services where such requirements are not satisfied.
5. Intellectual Property
All content on this Website, including text, graphics, logos, trademarks, and downloadable materials, is the property of Paybypago Limited or its licensors and is protected by applicable intellectual property laws.You may not reproduce, distribute, modify, or publicly display any content without our prior written consent.
6. Third-Party Websites
The Website may contain links to third-party websites or services that are not owned or controlled by Paybypago. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.You acknowledge and agree that Paybypago shall not be responsible or liable for any damage or loss caused by or in connection with the use of any third-party websites or services.
7. Disclaimer and No Warranty
The Website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.To the fullest extent permitted by law, Paybypago disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components.
8. Limitation of Liability
To the maximum extent permitted by applicable law, Paybypago shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of, or inability to use, the Website or Services.Nothing in these Terms shall exclude or limit liability that cannot be excluded under applicable law.
9. Indemnity
You agree to indemnify and hold harmless Paybypago, its directors, officers, employees, and affiliates from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:• Your breach of these Terms
• Your misuse of the Website or Services
• Your violation of any applicable law or third-party rights
10. Changes to These Terms
We reserve the right to modify or replace these Terms at any time. Updated Terms will be posted on the Website with a revised “Last updated” date.Your continued use of the Website following the publication of changes constitutes acceptance of the updated Terms.
11. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of Malta, without regard to conflict of law principles.The courts of Malta shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or your use of the Website, subject to mandatory consumer protection laws.
12. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.13. Contact Us
If you have any questions about these Terms, please contact us:Email: info@paybypago.com
Address: 14 Vault Valletta Waterfront, Floriana, Malta, FRN 1914