FacturaOS Payment Services Terms

1. When these terms apply

These Payment Services Terms apply when a workspace connects Stripe, activates ATH Móvil Business — Alpha, creates an online invoice or customer-membership payment link, uses Online Checkout powered by Stripe, records an external or manual membership payment, views provider payment status, or uses another FacturaOS payment feature. They supplement the FacturaOS Terms of Service at https://terms.facturaos.com/en/terms and Privacy Policy at https://terms.facturaos.com/en/privacy.

By using a connected payment feature, you authorize FacturaOS to create, access, configure, and communicate with the selected provider account to the extent needed to provide the feature, execute and verify your payment instructions, protect the service, and maintain payment records.

2. Provider agreements, eligibility, and setup

Stripe or Evertec, as applicable, owns and operates the selected third-party payment service. You must independently obtain and maintain an eligible provider account and accept all provider terms, privacy notices, prohibited or restricted activity rules, fee schedules, limits, refund and dispute procedures, and other requirements presented during setup or use.

You must provide complete, accurate, and current business, representative, owner, bank, tax, identity, website, product, and eligibility information requested by the provider or FacturaOS. The provider may require verification, impose restrictions, change limits, or reject, suspend, or close an account. FacturaOS does not control or override those decisions.

3. ATH Móvil Business — Alpha

ATH Móvil Business — Alpha is available when the workspace market configuration includes Puerto Rico, but FacturaOS permits checkout only for Puerto Rico invoices denominated in U.S. dollars. A United States-only configuration or mainland-U.S. invoice is not eligible. Although Evertec states ATH Business is also available in the U.S. Virgin Islands, FacturaOS does not currently enable this integration for USVI invoices.

You must have and maintain an active, eligible ATH Business account, an eligible payment destination, and the public and private API credentials assigned to that business by Evertec. You represent that you are authorized to connect the account. Keep credentials confidential, restrict setup access to authorized administrators, rotate compromised credentials, and promptly disconnect the integration if access or authority changes.

By enabling this integration, you appoint FacturaOS as a technical integration provider solely for your eligible ATH Business account. You remain responsible for obtaining and maintaining every permission required by Evertec and the participating financial institution and for ensuring that this use is permitted by their current API, account, deposit-account, debit-card, and electronic-banking terms. FacturaOS does not transfer or sublicense any Evertec API or provider-account right to you.

You authorize FacturaOS to use the connected merchant credentials to register, update, or remove a webhook subscription and receive transaction-event notices for this integration. Evertec controls subscription acceptance, available events, delivery, retries, and API limits. A webhook or browser callback is never treated as proof of payment by itself.

The integration is an Alpha feature provided as is and as available. Evertec's published Payment Button materials state that no testing environment is available, so setup or testing may use live accounts and create a real transaction, provider fee, tax or reporting record, and refund obligation. Current materials allow invoice totals from $1.00 to $1,500.00, and the current FAQ states that a business may receive up to $10,000 per day while a customer may send up to $1,500 per day. Provider webhooks, callbacks, APIs, guides, limits, and production behavior may be incomplete, delayed, duplicated, changed, or unavailable. FacturaOS may limit, suspend, modify, or discontinue the integration and does not guarantee provider approval, compatibility, uptime, event delivery, payment completion, settlement, or support response times.

The current ATH Business Terms and Conditions are at https://ath.business/en/terminos; fee, limit, eligibility, refund, tax-reporting, and support information is at https://ath.business/en/faq; Payment Button materials are at https://ath.business/en/botondepago; and official integration documentation is at https://github.com/evertec/athmovil-javascript-api and https://github.com/evertec/athmovil-webhooks. As of the date above, ATH Móvil Business advertises a 2.25% service fee per payment with a $0.06 minimum. This information is not a FacturaOS price or availability promise: Evertec and participating financial institutions may change fees, limits, eligibility, settlement, refunds, disputes, or other rules, and you must confirm the current provider terms before activation and throughout use.

4. Your role as merchant

You—not FacturaOS—sell the goods, services, memberships, and included benefits described on your invoices or checkout pages and are the merchant or service provider to the payer. You are solely responsible for lawful offerings, licenses, truthful descriptions, prices, taxes, delivery, benefit availability and redemption, warranties, receipts, customer service, refunds, returns, cancellations, and consumer rights.

FacturaOS is a software platform. It is not the payment processor, financial institution, merchant of record, seller, escrow agent, fiduciary, creditor, bank, money transmitter, or a party to the transaction between you and the payer. Connecting a provider or providing a payment link does not transfer your merchant, tax, customer-service, compliance, refund, dispute, or reconciliation responsibilities to FacturaOS.

5. Payment links, credentials, and customer notices

Review every invoice, recipient, amount, currency, due date, payment setting, and description before creating or sending a payment link. Use links only for valid amounts that your customer legitimately owes and do not split, duplicate, inflate, or mischaracterize transactions.

You must give customers legally required privacy, refund, cancellation, recurring-payment, delivery, and contact notices. You authorize FacturaOS and the selected provider to present and exchange transaction and business information needed for checkout, authorization, verification, receipts, fraud prevention, reconciliation, and support.

Do not expose, publish, share, or reuse a private provider credential outside authorized setup. You are responsible for credentials and activity under the connected merchant account, for using only accounts you are authorized to control, and for keeping your provider configuration and payment instructions accurate.

6. Fees, taxes, and net proceeds

The selected provider's processing, service, international, conversion, dispute, payout, refund, or other fees may apply under its then-current pricing and rules. FacturaOS may charge separately for its subscription or payment features if disclosed before activation. Provider fees may be deducted from proceeds where provider rules allow and may not be returned after a refund.

For ATH Móvil Business, do not add a fee for receiving the payment to the price of the goods or services or pass that provider fee to the ATH Móvil payer. Evertec's transaction fee may be debited from the designated account, and the participating financial institution may debit that account for reversals, declined or unauthorized transactions, claims, or other obligations allowed by its agreements.

You are responsible for taxes, duties, reporting, withholding, and records related to payments. Evertec's current FAQ states that it reports annual ATH Business income to the Puerto Rico Treasury Department on Form 480 using registration information. Keep provider registration data accurate and address corrections with Evertec; FacturaOS does not prepare, file, correct, or guarantee the tax treatment of a provider form. Amounts shown as gross, fees, net, pending, available, or paid are informational and must be reconciled against the provider's transaction records and your bank records.

7. Authorization, settlement, and payouts

A successful authorization, checkout, callback, webhook, or completed status does not guarantee final settlement. Payments may be delayed, reversed, refunded, disputed, blocked, duplicated, or deemed fraudulent. The selected provider and financial partners control settlement timing, account eligibility, holds, reserves, offsets, negative balances, and bank transfers.

FacturaOS does not hold payment funds and does not guarantee that you will receive a payout by a particular date. You must maintain accurate bank details and sufficient balances to cover reversals, refunds, disputes, and fees.

8. Refunds and cancellations to your customers

You are responsible for your refund and cancellation policy and for promptly handling valid customer requests through the selected provider's supported process. A provider may limit refund timing or amount and may not return original processing or other fees. A FacturaOS subscription refund is separate and governed by the Refunds and Cancellation Policy.

Closing an unpaid ATH Móvil Business checkout in FacturaOS requests cancellation from the provider and may remain pending while FacturaOS checks for a completed transaction. It does not cancel or refund a completed payment. ATH Móvil Business — Alpha does not issue refunds through FacturaOS; use the provider-supported ATH Business process and reconcile the result. A refund or reversal does not reopen the final FacturaOS invoice.

Disconnecting Stripe or ATH Móvil Business, deleting a payment link, deleting an invoice, or deleting FacturaOS does not cancel a completed payment, issue a refund, resolve a dispute, close the provider account, or eliminate your obligations.

9. Disputes, chargebacks, reversals, and negative balances

You are responsible for responding to disputes, chargebacks, refund requests, and reversals with accurate evidence before provider deadlines. The selected provider and its financial partners decide outcomes. FacturaOS may transmit available invoice or payment metadata at your direction but does not guarantee acceptance or success.

You are responsible for disputed amounts, provider fees, refunds, reversals, fines, penalties, and negative balances arising from your activity. A provider may debit or offset your provider balance, payment destination, or bank account as its terms permit.

10. Prohibited and high-risk activity

Do not use payment features for illegal, fraudulent, deceptive, sanctioned, prohibited, restricted without approval, cash-advance, money-transmission, gambling, counterfeit, abusive, or unauthorized activity. Do not test stolen cards, process your own cards to create artificial volume, evade monitoring, or use invoices to disguise the nature of a transaction.

You must comply with the FacturaOS Acceptable Use Policy and the selected provider's current eligibility, acceptable-use, and restricted-activity rules. Provider approval does not establish that an activity is legal or permitted by FacturaOS.

11. Fraud, monitoring, and provider controls

FacturaOS and the selected provider may monitor activity, request records, delay or block links, limit features, share risk information, or require verification to prevent fraud, abuse, sanctions violations, excessive disputes, or harm. We may preserve relevant records and cooperate with providers, financial institutions, regulators, law enforcement, and affected customers as permitted by law.

We are not liable for lawful provider holds, reserves, settlement delays, service interruptions, event-delivery failures, account restrictions, or eligibility decisions.

12. Data sharing and privacy

You instruct FacturaOS and the selected provider to exchange business, representative, customer, payer, device, invoice, transaction, refund, dispute, and connected-account information needed to initiate, execute, verify, reconcile, secure, and support payments. The provider may act as an independent controller or business under its own privacy notice for payment, fraud, identity, settlement, and regulatory purposes.

You must provide required privacy notices and obtain all rights and consents needed for customer, payer, and representative information. See the FacturaOS Privacy Policy, Evertec's privacy notice at https://ath.business/en/politica_privacidad when using ATH Móvil Business, and the selected provider's current terms.

13. Payment verification, invoice finality, and records

A browser callback or webhook is a technical notice, not independent proof of payment. FacturaOS does not mark an ATH Móvil Business invoice paid from a callback or webhook alone. It independently compares the expected amount, currency, transaction type, reference, and correlation metadata against an authenticated provider lookup; unverified or ambiguous notices remain pending or require review. You must not treat an unverified callback as payment, represent an invoice as paid, or release goods or services based only on that notice.

After FacturaOS successfully verifies that the provider reports the expected transaction as completed, FacturaOS may mark the invoice paid and final and prevent reopening or ordinary edits. That product lock preserves the verified invoice record; it is not a guarantee of settlement and does not erase later refunds, reversals, disputes, fraud findings, provider corrections, or your recordkeeping duties.

Network delays, configuration errors, duplicate or partial events, provider outages, refunds, and disputes can make a FacturaOS status incomplete or subject to correction. Provider and bank records control for settlement; your underlying contract with the customer controls what is owed. Reconcile transactions regularly and do not rely on FacturaOS alone for regulated accounting, tax reporting, cash management, or release of high-value goods or services.

14. Suspension, disconnection, and termination

FacturaOS may restrict, suspend, disable, or disconnect a payment integration for provider requirements, credential or verification issues, excessive disputes, suspected fraud, legal or security risk, Terms violations, provider outages, webhook unreliability, unsupported markets, or product changes. The provider may separately restrict or terminate its account or service.

After disconnection, completed transactions, refunds, disputes, reserves, negative balances, reporting duties, and other accrued obligations continue. You must retain the records needed to manage them.

15. Customer memberships and owner-recorded payments

For a customer membership sold through Online Checkout powered by Stripe, your connected business is the seller and merchant responsible to the customer. You authorize FacturaOS to create and manage the supported Stripe customer, price, subscription, invoice, and status records for your connected account. Stripe collects the payment method, presents the recurring-payment authorization, attempts charges, and controls payment authentication, retries, settlement, refunds, disputes, and provider fees under its agreements. FacturaOS may display and react to Stripe-reported status but does not guarantee collection or settlement.

For ATH Móvil Business, cash, check, bank transfer, or another payment method collected outside a supported recurring provider flow, FacturaOS may let an owner or authorized user record the method and confirm that payment was collected. That entry is an owner attestation, not independent verification, a provider receipt, or a recurring debit instruction. You are solely responsible for collecting every amount when due, obtaining any recurring-payment authorization required by law or provider rules, issuing receipts, maintaining evidence, correcting status, and keeping benefit and redemption records accurate.

A plan may store price, tax treatment, accepted methods, renewal interval, duration, included services, usage limits, cancellation terms, color, availability, and customer terms. A sold membership may retain a snapshot so later plan edits apply only to future sales. You must honor the terms presented to each customer and provide notice or obtain agreement before any change that affects an existing customer.

Pausing, resuming, cancelling, archiving, or deleting a membership in FacturaOS can affect future access or a supported Stripe subscription, but it does not by itself refund a prior charge, reverse an external payment, resolve a dispute, or cancel a separate provider instruction. Verify the provider and bank records, communicate the effective date and consequences to the customer, and complete any refund through the provider-supported process.

16. Allocation of risk

Payment-provider services and Alpha features are third-party or preliminary services provided subject to the disclaimers, liability limits, indemnity, arbitration, and governing-law provisions in the Terms. To the maximum extent permitted by law, you will indemnify the protected FacturaOS parties for claims arising from your goods or services, provider account or credentials, payment activity, customer notices, refunds, disputes, chargebacks, reversals, taxes, prohibited activity, or breach of these Payment Services Terms.