FacturaOS Payment Services Terms

1. When these terms apply

These Payment Services Terms apply when a workspace connects a Stripe account, completes payment onboarding, creates an online invoice-payment link, views provider payment status, or uses another FacturaOS feature powered by a payment provider. They supplement the Terms of Service.

By using a connected payment feature, you authorize FacturaOS to create, access, configure, and communicate with the connected account to the extent needed to provide the feature and follow your instructions.

2. Stripe agreements and onboarding

Stripe provides the regulated payment services. You must accept and comply with the Stripe Connected Account Agreement, Stripe Services Agreement for your account country, Stripe's prohibited and restricted business rules, and other Stripe terms presented during onboarding.

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

3. Your role as merchant

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

FacturaOS is a software platform and does not become the seller, escrow agent, fiduciary, creditor, bank, or money transmitter for your customer relationship by providing a payment link.

4. Payment links 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 Stripe and FacturaOS to present transaction and business information needed for checkout, receipts, fraud prevention, and support.

5. Fees, taxes, and net proceeds

Stripe processing, international-card, currency-conversion, dispute, instant-payout, refund, and other fees may apply under Stripe's current pricing. FacturaOS may charge separately for its subscription or payment features if disclosed before activation. Fees may be deducted from transaction proceeds where provider rules allow.

You are responsible for taxes, duties, reporting, withholding, and records related to payments. Amounts shown as gross, fees, net, pending, available, or paid are informational and should be reconciled against Stripe and bank statements.

6. Authorization, settlement, and payouts

A successful authorization or checkout session does not guarantee final settlement. Payments may be delayed, reversed, refunded, disputed, blocked, or deemed fraudulent. Stripe and financial partners control settlement timing, payout 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.

7. Refunds and cancellations to your customers

You are responsible for your refund and cancellation policy and for promptly handling valid customer requests. Refunds of customer payments are processed through Stripe and may not return original processing or other provider fees. A FacturaOS subscription refund is separate and governed by the Refunds and Cancellation Policy.

Disconnecting Stripe or deleting a payment link does not cancel a completed payment, refund a customer, resolve a dispute, or eliminate your obligations.

8. Disputes, chargebacks, and negative balances

You are responsible for responding to disputes and chargebacks with accurate evidence before provider deadlines. Stripe and card networks decide outcomes. FacturaOS may transmit available invoice or payment metadata at your direction but does not guarantee acceptance or success.

You are responsible for chargeback amounts, dispute fees, refunds, reversals, fines, penalties, and negative balances arising from your activity. Stripe may debit your connected balance or bank account as its terms permit.

9. 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 Acceptable Use Policy and Stripe's current restricted-business rules. Provider approval does not establish that an activity is legal.

10. Fraud, monitoring, and reserves

FacturaOS and Stripe 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 Stripe, banks, card networks, regulators, law enforcement, and affected customers as permitted by law.

We are not liable for lawful provider holds, reserves, payout delays, or account restrictions.

11. Data sharing and privacy

You instruct FacturaOS and Stripe to exchange business, representative, customer, device, invoice, transaction, dispute, and connected-account information needed to provide and secure payment services. Stripe may act as an independent controller for payment, fraud, identity, and regulatory purposes.

You must provide required privacy notices and obtain rights and consents needed for customer and representative information. See the Privacy Policy and Stripe's Privacy Policy.

12. Payment status and records

FacturaOS may update invoice payment status using webhooks, provider lookups, and user actions. Network delays, configuration errors, disputes, partial events, or manual changes can make a status incomplete or incorrect. Stripe and bank records control for settlement; your underlying contract with the customer controls what is owed.

Do not rely on FacturaOS alone for regulated accounting, tax reporting, cash management, or release of high-value goods or services.

13. Suspension, disconnection, and termination

FacturaOS may restrict or disconnect payment features for provider requirements, verification issues, excessive disputes, suspected fraud, legal risk, security risk, Terms violations, or service changes. Stripe may separately restrict or terminate the connected account.

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.

14. Allocation of risk

Payment services are third-party services and are 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, payment activity, customer notices, refunds, disputes, chargebacks, taxes, prohibited activity, or breach of these Payment Services Terms.