Merchant Agreement
This Merchant Agreement supplements our Terms of Service and applies specifically to businesses ("Merchants") that integrate RetroPay's API, WooCommerce plugin, embedded checkout, or Android relay app to accept payments.
1. Onboarding
To become a Merchant, you provide a business name and webhook URL, and RetroPay issues a public key, API key, and webhook secret. You are responsible for keeping these credentials confidential and for all checkout sessions and API calls made using them.
2. API and webhook use
- API requests must be authenticated using your assigned credentials and must not exceed reasonable, good-faith usage.
- Webhook endpoints must be reachable over HTTPS and should verify the signature RetroPay attaches to each payload before trusting it.
- You must not share API keys or webhook secrets with third parties without our written consent.
3. The Android relay device
If you use the RetroPay Android app to relay MFS confirmation SMS, you confirm that:
- You own or are authorized to use the device and the MFS number receiving payments.
- You will keep the device powered on, connected, and the app updated so payments can be verified promptly.
- You understand that loss of connectivity, app permissions, or device access will delay or prevent automatic verification, and you remain responsible for confirming affected orders manually.
4. Heartbeat and device status
The relay device periodically reports a heartbeat to RetroPay. If heartbeats stop, your dashboard may flag the device as offline so you can confirm orders manually until connectivity is restored.
5. Acceptable use
You agree not to use RetroPay to process payments for illegal goods or services, to launder funds, to misrepresent the amount or nature of a transaction, or to attempt to trigger false payment confirmations.
6. Suspension
We may suspend a Merchant account, API key, or specific device if we detect suspicious activity, repeated verification failures consistent with abuse, or a violation of this Agreement, and will make reasonable efforts to notify you.
7. Order confirmation is not a payment guarantee
RetroPay's confirmation reflects that a matching MFS SMS was received and validated against your checkout session at the time of verification. It is the Merchant's responsibility to deliver goods or services only once it has reasonably confirmed payment, and to handle any later disputes (e.g. reversed or fraudulent transactions reported by an MFS provider) directly with the payer.
8. Term and termination
This Agreement remains in effect for as long as you maintain a Merchant account. Either party may terminate by deactivating the account or providing written notice; outstanding obligations (such as fees owed) survive termination.
9. Contact
For merchant onboarding or integration questions, contact merchants@retropay.app.